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In this episode of the Money Meets Medicine podcast, host Dr. Jimmy Turner talks with Paul Sipple, a forensic retirement consultant known as the '401k vigilante.' The discussion focuses on the hidden, layered, and unnecessary fees often found in 401k and 403b plans that cost participants thousands over time. They explore the technical aspects of these fees, the Form 5500, and how small and large practices differ in fee structures. Sipple provides insights into negotiating fees, the roles of various service providers in administering retirement plans, and the importance of employers paying administrative costs to maximize tax benefits.Learn more about Paul Sippil here --> https://www.paulsippil.comGet a personal finance lessons sent to your email inbox once each week! Join the weekly MMM update: https://moneymeetsmedicine.com/updateEvery doctor needs own-occupation disability insurance. To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disability Want a free copy of The Physician Philosopher's Guide to Personal Finance? Visit https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Today's blockchain and cryptocurrency news Bitcoin is up slightly at $90,599 Ethereum is up slightly at $3,137 XRP is up half a percent at $2.08 BTC holds ahead of Fed comments Circle secures ADGM provider license HashKey Holdings launches city's first IPO by crypto firm Tether backs Generative Bionics ###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
Watch the YouTube version of this episode HEREAre you a law firm owner looking for ways to integrate AI into your firm? In this episode of the Maximum Lawyer Podcast, Tyson interviews Billie, a law firm owner and legal tech entrepreneur, about the rapid changes in the legal industry. They discuss the challenges of managing law firm operations, experimenting with side projects like the Modern Divorce Navigator, and the impact of AI and venture capital on legal services.Billie shares how AI can increase efficiency in the legal space. There is a current shortage of lawyers and because of this, many people are unrepresented or are having a hard time finding a lawyer. AI has the ability to transform the legal practice and allow lawyers to represent more people and cut down their processes and systems to provide them the time to do it.Billie and Tyson chat about how AI can handle client communications. It can really change the intake system and do tasks like handling client calls. Training AI to handle client inquiries can make things easier for lawyers who might not have the time to respond to clients when needed. It would be great for AI to read client files and provide updates. Though this could be very intrusive and take tasks away from admin staff or paralegals, it is a great way to cut down on firms that are extremely overwhelmed.Listen in to learn more!2:17 Modern Divorce Navigator: Concept & Failure 5:01 Recognizing When to Quit5:37 Law Firm Owners & Side Projects 9:30 AI's Role in Access to Justice10:19 AI, Fees, and the Legal Market 16:27 Challenges of Law Firm Acquisitions18:44 Legal Tech Investment & AI Tools21:05 Building vs. Buying Legal Tech23:31 Rapid AI Advancements & Future Predictions 30:40 Staffing Adjustments & Role Evolution37:34 AI for Current Clients & Future Potential 42:30 Hiring a House Manager: Challenges & TipsTune in to today's episode and checkout the full show notes here. Connect with Billie:Website Instagram Facebook Linkedin Youtube TikTok
Californians hoping to take advantage of free entry days at national parks will see big changes next year. The Trump administration is removing civil rights holidays and adding President Trump's birthday instead. The move is already prompting backlash from civil rights groups and conservation advocates. International visitors will also face new rules for park access. Guest: Sarah Wright, KQED The Ukrainian wife of a U.S. citizen remains in ICE custody after she was detained late last week in San Diego. Her lawyers say the arrest marks another new escalation in the Trump administration's emerging practice of targeting immigrants at their green card interviews. Reporter: Kori Suzuki, KPBS Learn more about your ad choices. Visit megaphone.fm/adchoices
Across the country, kids in the juvenile justice system face a hidden burden: fines and fees that can follow them well into adulthood, affecting their credit, education, and ability to get a job. In this episode, host Maya Rupert speaks with Cameron D. Clark, Co-Coordinator of Debt Free Justice, about their work to eliminate fines and fees placed on youth and their families. In partnership with local communities, Debt Free Justice works to transform the system in states like Hawaii, where youth organizers are advocating for Native Hawaiian accountability practices instead of financial punishment. Through it all, Debt Free Justice is showing us what's possible when we replace punitive fines and fees with real opportunities for growth and accountability. This episode is created in partnership with Charles and Lynn Schusterman Family Philanthropies. Learn more about Debt Free Justice at debtfreejustice.orgSee omnystudio.com/listener for privacy information.
Join Shark and his lineup of seasoned professionals to enhance your understanding of fee management and explore balanced, ethical approaches to maintaining speaker value in a fluctuating market. In this session, you will:* Evaluate the concept of fee congruency and how it allows speakers to adapt their fees based on added values or specific circumstances.* Create a strategy for maintaining fee integrity while being open to non-monetary value exchanges when clients face budget constraints.* Analyze the importance of having a structured fee schedule and the benefits of aligning speaking engagements with personal and family commitments. Become an NSA Member! https://nsaspeaker.org/join/#membership THRIVE 2026! You NEED to be here! https://thrive.nsaspeaker.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Why should everybody get fired at least once? As the former Editor-in-chief of American Vogue, how does Anna Wintour use fashion as a cultural and economic force? Why is Anna's leadership style defined by the speed of her decision making? Rory and Alastair are joined by Fashion icon Anna Wintour to answer all this and more. Gift The Rest Is Politics Plus this Christmas - give someone a whole year of Rory and Alastair's miniseries, ad-free listening, early access to episodes and live show tickets, an exclusive members' newsletter, discounted book prices, and a private chatroom on Discord. Just go to https://therestispolitics.supportingcast.fm/gifts And of course, you can still join for yourself any time at therestispolitics.com For Leading listeners, there's free access to the Wordsmith Academy - plus their report on the future of legal skills. Visit https://www.wordsmith.ai/politics To save your company time and money, open a Revolut Business account today via https://get.revolut.com/z4lF/leading, and add money to your account by 31st of December 2025 to get a £200 welcome bonus or equivalent in your local currency. Feature availability varies by plan. This offer's available for New Business customers in the UK, US, Australia and Ireland. Fees and Terms & Conditions apply. For US customers, Revolut is not a bank. Banking services and card issuance are provided by Lead Bank, Member FDIC. Visa® and Mastercard® cards issued under license. Funds are FDIC insured up to $250,000 through Lead Bank, in the event Lead Bank fails. Fees may apply. See full terms in description. For Irish customers, Revolut Bank UAB is authorised and regulated by the Bank of Lithuania in the Republic of Lithuania and by the European Central Bank and is regulated by the Central Bank of Ireland for conduct of business rules. For AU customers, consider PDS & TMD at revolut.com/en-AU. Revolut Payments Australia Pty Ltd (AFSL 517589). Social Producer: Celine Charles Video Editor: Adam Thornton Producer: Alice Horrell Senior Producer: Nicole Maslen Head of Politics: Tom Whiter Exec Producers: Tony Pastor + Jack Davenport Learn more about your ad choices. Visit podcastchoices.com/adchoices
On this week's episode of Great Practice, Great Life, you're in for a ride. Steve Riley sits down with attorney Brad Wiewel, whose career took a wild turn in 1979 when a client's husband fired a bullet into Brad's car because Brad was fighting too hard in a divorce case involving a stripper. That single ka-pow moment launched Brad's 45-year obsession with what he calls Defensive Law; a proactive, slightly paranoid, and incredibly effective system for protecting yourself, your team, and your license when clients lie, forget, or turn on you. This is hands down the most practical malpractice-prevention episode we've recorded, and it applies to every practice area: PI, family, estate planning, elder law, business—all of it. Brad walks through the exact tools that have kept him grievance-free and malpractice-suit-free for more than four decades. You'll hear about the bulletproof fee agreements packed with bold disclaimers, including the now famous "we can fire you for personality conflicts" clause he makes clients read aloud. You'll learn why every third party, kids, financial advisors, new spouses, sign a non-representation letter the second they enter the room. He shares his library of 100+ one-page "Against My Advice" disclosures clients sign when they insist on risky decisions, the settlement confirmation letter every PI lawyer should require before accepting a dime, and how he turns high-risk fact patterns into written client admissions that stop surprises in court or in front of the bar. And yes, he reveals his dead-simple signing ceremony protocol: hand clients the stack, leave the room for 15 minutes, come back to flawless signatures. No drama. No complaints. No gaps. Brad doesn't deal in theory; he built one of the largest estate planning practices in Texas on these systems. He credits them for never having a single successful grievance or malpractice claim in 45 years. If you've ever lost sleep wondering, "Did I document that conversation well enough?" or heard a former client shout, "You never told me that!", this episode gives you the exact playbook to make those nightmares disappear. Fair warning: After this conversation, you'll never look at a client the same way again. (You'll see every single one as a potential plaintiff, and you'll sleep like a baby because your files will finally be bulletproof.) In this episode, you will hear: The wild "stripper and the bullet" story that birthed Defensive Law Why every client is a potential plaintiff (and how to sleep anyway) The 5 documents that have kept Brad 45 years grievance-free Fee-agreement clauses that kill most problems on day one The 60-second fix when kids or advisors sit in your meeting 100+ one-page "I'm doing this against your advice" disclosures The settlement letter every PI lawyer must get signed How to make clients admit the real facts — in writing The signing-room trick that makes clients happily sign everything An instant checklist to make your entire practice bulletproof Subscribe & Review Never miss an episode. Subscribe on Apple Podcasts, Spotify, or YouTube. ⭐Like what you hear? A quick review helps more people find the show.⭐ Supporting Resources: Brad Wiewel: www.texastrustlaw.com/learn-about-us/attorney-brad-wiewel Texas Trust Law, PLLC: www.texastrustlaw.com Atticus Workshops: atticusadvantage.com/workshops Atticus Newsletter The Path to A Great Practice Great Life Workshop: atticusadvantage.com/workshops/the-path-to-a-great-practice-great-life If there's a topic you would like us to cover on an upcoming episode, please email us at steve.riley@atticusadvantage.com. Curious about growing your own practice? Contact Atticus to see whether our law firm coaching can help you strengthen attorney success, refine your law firm business strategy, and build a practice that actually supports your life. You can also sign up for our newsletter to get practical insights on how to grow a law firm: from law firm leadership and management to marketing, hiring, operations, culture, and profitability, so you can build a Great Practice and a Great Life.
After Jeffrey Epstein's death, Ghislaine Maxwell moved quickly to secure financial support from his estate, filing claims that she was owed money for years of work and personal protection supposedly carried out on his behalf. She framed herself as someone who had provided valuable services to Epstein—both professionally and personally—and argued that she had been left vulnerable and financially exposed because of her association with him. Her legal team pushed the narrative that Epstein had long promised to take care of her financially, and that his estate was obligated to honor those commitments even after his death.The Epstein estate rejected these claims outright, treating them as an attempt by Maxwell to insulate herself at a moment of extraordinary legal pressure. The effort to obtain funds was widely seen as a strategic move ahead of her criminal charges, intended to bolster her resources for a high-stakes defense. In the end, Maxwell's bid for financial support failed, further isolating her as scrutiny intensified. Her attempt to tap into Epstein's fortune after his death became yet another chapter in the unraveling partnership that had once shielded them both.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
Today we'll be talking about some significant changes coming to the way travelers fly in Thailand, murder and intrigues as cyanide was found after a toxicology report of a deceased Channel 8 reporter, and a little later an outrageous case of a Norwegian man going full GTA in Bangkok.
Today's blockchain and cryptocurrency news Bitcoin is down slightly at $89,598 Ethereum is down slightly at $3,032 And XRP is up slightly at $2.03 MetaMask integrating Polymarket Meta is weighing major cuts to metaverse division Reality Labs OpenEden has closed a new strategic round U.S. prosecutors ask for a 12-year prison sentence for Do Kwon ###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
The San Diego County District Attorneys office says they are working with the medical examiner to identify the human remains found at a Southcrest home this week. After being shut down for more than 8 hours, I-5 is now open. San Diego County has announced an increase in park user fees for things like camping, fishing, boating and facility rentals. What You Need To Know To Start Your Saturday.
Download our list of 42 High Performing (and profitable) Franchises: https://www.franchiseempire.com/42hpf?utm_source=FEdec072025If you liked this video, make sure to check out our full playlist of franchise 500 breakdowns: https://youtube.com/playlist?list=PLVT5EmknU3t5Nb5FtfowMdkNTLN1Hre9A&si=NHSb4Yvs6Gb7f_lsEver wonder how much a 7-Eleven franchise really makes? In this video, we break down the startup costs, royalty structure, earnings, and whether owning a 7-Eleven is worth the investment. Plus: Learn about its wild history, who really owns it, and how much profit these stores are pulling in.------------------Considering Investing In A Franchise?
Stephen Grootes speaks to Harry Kellan on his journey in leadership in the financial services, Thabo hollo about ways to spend wisely with the December bonus, Ian Mann on the booked titled Anointed by Toby Stuart and Wendy Knowler on instant payment fees on banking apps. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
College Football podcast on Barstool sports hosted by Brandon Walker and Kayce Smith presented by Twisted Tea 00:00 Intro 08:54 Venmo BIG Game Preview (Indiana vs Ohio State) 21:13 Cracker Barrel Game of the Week 34:05 Is the ACC giving us the worst conference championship game ever? 38:46 Can Diego Pavia win the Heisman? 43:02 Unnecessary Roughness Dog Parlay
Today's blockchain and cryptocurrency news Ledger researchers flag Android chip flaw affecting web3 wallets. International operation busts crypto fraud network that laundered more than $815 million JPMorgan says Strategy's resilience is key to bitcoin's price direction TON treasury files $420M meme shelf registration to invest in tokens and Telegram AI ecosystem ###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
The Break Room (FRIDAY 12/5/25) 7am Hour 1) It's a way to make some extra money, you just don't know HOW much extra money until you commit to baring it all 2) Dollar General Dong 3) Tommy Tells It Like It Is - WEEK 14 - BILLS VS BENGALS
Ontario real estate is experiencing one of the biggest shake-ups in its history — and the ripple effects are impacting REALTORS® everywhere.In this no-nonsense episode of The MindShare Podcast, David Greenspan breaks down the FACTS behind the chaos hitting the industry right now:The Ontario government taking control of RECOOREA's CEO placed on leave days before Power HouseCREA transforming Realtor.ca into a for-profit taxable subsidiaryTRREB dues, CREA dues, OREA dues, and the mandatory ORWP all landing at onceTRREB's complete replacement of the PropTx boardREALTORS® fighting online — and how the public is interpreting itThis episode cuts through the rumours, the emotion, and the social-media noise to give REALTORS® a clear understanding of:What's actually happeningHow consumers perceive this instabilityHow tech and infighting are damaging REALTOR® credibilityWhat YOU must do right now to stay trusted and rise above the chaosHow to protect your business when the system around you looks unstableIf you're a REALTOR® who wants clarity, confidence, and a strategy during one of the most chaotic moments in organized real estate — this is the MUST-LISTEN episode of the year.Build MindShare. Protect your credibility. Lead through instability.
This Day in Legal History: 21st Amendment RatifiedOn December 5, 1933, the United States ratified the Twenty-first Amendment to the Constitution, officially ending the era of national Prohibition. This amendment repealed the Eighteenth Amendment, which had banned the manufacture, sale, and transportation of intoxicating liquors since 1920. Prohibition, championed by temperance movements and moral reformers, was initially seen as a solution to social problems such as crime and poverty. However, over the following decade, it led instead to a surge in organized crime, illegal speakeasies, and widespread disregard for the law.The Twenty-first Amendment is unique in American legal history—it is the only amendment to repeal a previous amendment. It is also the only amendment ratified through state conventions rather than by state legislatures, a strategic move to bypass potential legislative gridlock. Utah became the 36th state to ratify the amendment, securing the three-fourths majority needed for adoption.The repeal of Prohibition returned control over alcohol regulation to the states, many of which continued restrictions at the local level. The amendment's passage marked a shift toward a more pragmatic and less moralistic approach to federal lawmaking. It also highlighted the limits of federal power to regulate personal behavior and underscored the complexities of enforcing unpopular laws.In the broader context of constitutional law, the Twenty-first Amendment demonstrated the capacity of the Constitution to adapt and self-correct. It remains a pivotal example of how constitutional amendments can respond to changing public sentiment and unintended legal consequences.A federal appeals court allowed President Donald Trump to continue deploying National Guard troops in Washington, D.C., halting a lower court ruling that would have required the troops to withdraw by December 11. The temporary order from the D.C. Circuit Court does not address the underlying legality of the deployment but permits it to proceed while litigation continues. The deployment, which began in August, intensified after a November 26 shooting near the White House left two National Guard members injured—one fatally. Trump responded by sending 500 additional troops and renewing his call to halt immigration from what he called “third-world countries,” after a 29-year-old Afghan national was charged in the attack.D.C. Attorney General Brian Schwalb sued the administration in September, arguing Trump unlawfully took over local policing authority and violated federal restrictions on military involvement in domestic law enforcement. A federal judge initially sided with Schwalb, calling the deployment likely unlawful, but delayed enforcement of her ruling to allow time for appeal. The Trump administration maintains it can deploy troops to D.C. without local approval, citing the city's unique federal status. Meanwhile, similar deployments in other Democratic-led cities have sparked lawsuits and accusations that Trump is using federal force for political purposes. Lower courts have largely ruled against these moves, and the Supreme Court is expected to weigh in on the legality of the Chicago deployment soon.Appeals court allows Trump National Guard deployment in DC to continue | ReutersTom Goldstein, a prominent Washington attorney and co-founder of SCOTUSblog, is fighting to sell his $3 million home in D.C.'s Wesley Heights to fund his defense against 22 financial crime charges, including tax evasion. Prosecutors allege that Goldstein, who has made millions as a poker player, misrepresented his financial situation to obtain loans, including one used to purchase the property. A Maryland federal judge barred the sale, ruling the house is likely connected to the alleged crimes. Goldstein has appealed, arguing that blocking the sale violates his Sixth Amendment right to use untainted assets for legal defense, and insists the home is not tied to the alleged misconduct.The appeal is before the 4th Circuit, where Goldstein—representing himself—says he's accumulated millions in legal fees. Prosecutors maintain the house is tainted because Goldstein omitted over $15 million in debt from the mortgage application. The home is also collateral for Goldstein's appearance bond, due to his being labeled a flight risk. One of Goldstein's key financial backers, litigation funder Parabellum Capital, is a witness in the case but not accused of wrongdoing. Legal experts say his effort to sell the house faces steep odds given the property's legal entanglements and standard federal practices regarding tainted assets.Tom Goldstein fights to sell home as tax trial looms | ReutersA federal grand jury has declined to indict New York Attorney General Letitia James, rejecting prosecutors' second attempt to bring criminal charges against her, according to sources familiar with the matter. The Justice Department had sought to revive a case involving allegations of bank fraud and false statements related to a mortgage, after the initial indictment was dismissed in November due to the unlawful appointment of the prosecutor, Lindsey Halligan. Despite the setback, prosecutors reportedly plan to seek a new indictment.James, a Democrat and prominent critic of Donald Trump, was accused of misrepresenting financial information to obtain favorable mortgage terms on a Virginia property. She pleaded not guilty to the original charges. The failed indictment effort comes amid broader DOJ efforts targeting Trump critics, including former FBI Director James Comey and ex-national security adviser John Bolton—cases that have also faced legal hurdles.Grand jury rejections are rare, as prosecutors usually face a low threshold of probable cause to proceed. James is now the highest-profile figure to have such a case rejected during Trump's second term. The president has publicly attacked James for leading a civil fraud lawsuit against him, which resulted in a massive financial penalty, later reduced on appeal but with Trump still found liable for fraud.Grand jury rejects second criminal case against New York Attorney General Letitia James, sources say | ReutersLawyers representing authors and publishers in a $1.5 billion copyright settlement with AI company Anthropic have requested $300 million in legal fees, amounting to 20% of the total settlement. Filed in federal court in San Francisco, the fee request comes after Anthropic agreed in October to settle claims it used pirated books to train its AI models, including its commercial product Claude. As part of the agreement, Anthropic will pay over $3,000 per infringed work, destroy the infringing datasets, and certify they are not part of its commercial systems.The legal team, led by Susman Godfrey and Lieff Cabraser, argued that the fee is “conservative” by class action standards, citing more than 26,000 hours of high-risk work. The settlement, which received preliminary approval in September, is being described as the largest reported copyright class action resolution to date. Anthropic has denied wrongdoing and retains the right to contest the fee amount.Authors have until January 15 to opt out of the class action and pursue individual claims. A final fairness hearing before U.S. District Judge William Alsup is scheduled for April, where objections from class members and fee disputes will be reviewed.Authors' lawyers in $1.5 billion Anthropic settlement seek $300 million | ReutersThis week's closing theme is by Wolfgang Amadeus Mozart, a composer of some note.On December 5, 1791, the world lost one of its greatest musical minds: Wolfgang Amadeus Mozart. Just 35 years old at the time of his death, Mozart left behind an astonishing body of work that shaped the course of Western classical music. His death, shrouded in speculation and mystery, came while he was in the midst of composing what would become one of his most profound and haunting works—the Requiem in D minor, K. 626. The Lacrymosa movement, in particular, captures the emotional gravity of that moment, as if echoing his own impending end.Although Mozart did not live to finish the Requiem, the fragments he left behind were completed by his student Franz Xaver Süssmayr, guided by sketches and oral instruction. The Lacrymosa, with its solemn melodies and aching harmonies, stands as one of the most emotionally resonant sections of the work. Franz Liszt later transcribed it for solo piano, creating a version that retains its choral intensity while adding a layer of intimate, virtuosic expressiveness.Listening to Liszt's transcription of the Lacrymosa is like hearing Mozart's farewell whispered through the keys of a piano—stark, mournful, and deeply human. December 5, then, is not only the date of Mozart's passing but also a reminder of the enduring beauty he left behind, etched into every phrase of the Requiem. His music, especially in this piece, speaks across centuries to the depths of loss and the hope of transcendence.Without further ado, Mozart's Requiem in D. minor – enjoy! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe
Black Friday & Cyber Monday results for Amazon, Walmart, and TikTok, plus the rise of livestream selling, and Amazon's biggest seller fee cuts ever!
Send us a textThe National Association of REALTORs was in the news last week concerning two policies. One was changed and the other was upheld. First, NAR voted to end the requirement of NAR membership to gain access to REALTOR owned MLSs. This is a great policy change but did the change go far enough?Secondly, NAR failed to approve the required disclosure of referral fees in a real estate transaction. This is a very bad look for the Association especially when you hear the amount of support in the Association for the change. Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.
In this episode, Lester De Alwis is joined by Joanne Villani, co-founder of PreVu Software. Joanne shares her 35+ years of experience in dentistry and the biggest lessons she's learned about case acceptance. You'll discover why patients say no, how to build trust, and how powerful visuals like smile simulations can boost case acceptance. If you're looking to reduce your insurance dependence and grow your revenue with fee-for-service treatments, this episode is packed with practical insights you can act on right away. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/ If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/
The K9PT Academy Podcast: Business lessons for canine rehab therapists
Welcome to The K9PT Academy podcast, the only podcast in veterinary rehabilitation & physical therapy that focuses on helping business owners and entrepreneurs build and scale a profitable and successful canine rehabilitation business! In this episode, we continue our theme of planning for 2026—but through a different lens: building a business that supports your life, your family, and your personal journey, not the other way around. I share reflections from the past few months of raising twins, lessons from my original “Walk of Freedom” back in 2017, and why freedom—mindset freedom, time freedom, and personal freedom—is one of the greatest gifts entrepreneurship can offer. If you've ever felt stuck, overwhelmed, or trapped in the hamster wheel of business ownership, this episode will remind you that you deserve a business that gives you life—not one that drains it. Listen to the full episode as we discuss:
Ethereum for the first time ever has rolled out a second major upgrade within a year. Fusaka has gone live less than six months after Pectra. In this Unchained podcast episode, Offchain Labs Prysm Team Ethereum Cored Developer Preston Van Loon joins Protocol Watch founder Christine D. Kim to unpack how Fusaka would make transactions cheaper, improve the UX for users and impact layer 2 chain operators. They also discuss the relatively short time to deployment and how this is impacting client and layer 2 teams. Preston also explains why he is less nervous about Fusaka than he was about Pectra and the indicators of success. Plus what comes next after the hard fork. Thank you to our sponsors! Uniswap Mantle Guests: Christine D. Kim, Host of Ready for Merge Podcast and writer of ACD After Hours Preston Van Loon, Ethereum Core Developer working at Prysm by Offchain Labs Previous appearances on Unchained: How Will ETH React to Ethereum's Shanghai Upgrade? Links: Unchained: Ethereum Fusaka Upgrade Clears Final Test Before December Launch Ethereum Gave Away Too Much for Too Long. Will Its Pivot Be Enough? Timestamps:
We've got some critical updates on a new fee that's been causing quite a stir among Disney Vacation Club (DVC) members and potential buyers. We're talking about the newly introduced $500 Contract Administration Fee for DVC resale contracts. Let's break it down and understand what this fee means for current and future transactions. Episode 368
Time Stamps: 3:27 - D.C. National Guard Shooting15:52 - Venezuela Regime Change & The Somali Conflict34:55 - (First Caller) Influencer Industrial Complex - "All the world's a stage"50:57 - Postmortem/Call-in Portion57:57 - TPUSA Sex Crimes1:06:42 - Haitian Island Sex Slave Conspiracy1:24:50 - The New Poverty Line & the "American Nightmare"1:32:03 - TSA Announces $45 Fee for Passengers with no REAL ID1:32:45 - Indiana Pastor's Son Charged with Child Sex CrimesVenture into the shadowy realms of power and secrecy with Already Dead, where hosts Jose Galison (@towergangjose) and Austin Picard (@theatrethugawp) dissect the intricate web of conspiracy, covert operations, and the underlying political machinations that might just be pulling the strings of our society.What to Expect: Live Listener Interaction: Call in to share your theories, ask burning questions, or discuss personal experiences related to the topics at hand. In-Depth Explorations: Each episode focuses on a different conspiracy or hidden aspect of political history, offering a platform to question and analyze what's often left unsaid. Thought-Provoking Guests: We invite individuals with insider knowledge or those who've taken the red pill to discuss topics that range from the fringe to the forefront of conspiracy culture. Critical Analysis of Current Affairs: We don't just report on events; we interpret them through the lens of parapolitics, looking for patterns and hidden agendas.Join Us: Every Tuesday at 9:30 PM ET, dive into the depths of the unknown with us. Subscribe, participate in our live call-ins, and be part of a community that seeks to understand the world beyond the surface narrative.Disclaimer: This podcast thrives on speculation, hypothesis, and the examination of alternative theories. It's meant to provoke thought and encourage personal research. Not all discussed is proven fact, but rather a call to question, explore, and understand.Warning: For those not ready to challenge their worldview, tread carefully. Once you enter the world of Already Dead, you might find that the truth is often already dead to the uninitiated. Welcome aboard, where curiosity is your guide.Please consider supporting our work-Austin's Patreon: https://www.patreon.com/c/TheUnderclassPodcastAustin's Spreaker: https://www.spreaker.com/podcast/the-underclass-podcast--6511540Austin's Rumble: https://rumble.com/user/TheUnderclassPodcastAustin's YouTube: https://www.youtube.com/@TheUnderclassPodcast#DCNationalGuardShooting #ModernGladio #AfghanPhoenixProgram #VenezuelaRegimeChange #TheSomaliConflict #ImmigrationCrisis #InfluencerIndustrialComplex #InfluenceOperation #SocialEngineering #IdeologicalSubversion #TavistockInstitute #Committeeof300 #ClubofRome #TPUSASexCrimes #HaitianIslandSexSlavePlot #TheAmericanNightmare #TSARealID #IndianaChildSexCrimes #DelphiMurders #PedophileOccupiedGovernmentBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-underclass-podcast--6511540/support.
Hour 3 opens with Mark, Kim, and the team discussing winter road safety and lighthearted text-line commentary before diving into serious topics. Mary Vogt from the Heritage Foundation covers Somali-related fraud in Minnesota, government waste, and a Republican special election win in Tennessee. The conversation then shifts to the Trump administration's handling of drug boats, strikes on cocaine and fentanyl shipments, and the political debate around the War Powers Act. Kim's “On a Whim” segment closes the hour by dissecting TSA's new $45 fee for travelers without a Real ID or passport, examining the rationale, enforcement, and public pushback.
Time Stamps:3:27 - D.C. National Guard Shooting15:52 - Venezuela Regime Change & The Somali Conflict34:55 - (First Caller) Influencer Industrial Complex - "All the world's a stage"50:57 - Postmortem/Call-in Portion57:57 - TPUSA Sex Crimes1:06:42 - Haitian Island Sex Slave Conspiracy1:24:50 - The New Poverty Line & the "American Nightmare"1:32:03 - TSA Announces $45 Fee for Passengers with no REAL ID1:32:45 - Indiana Pastor's Son Charged with Child Sex CrimesVenture into the shadowy realms of power and secrecy with Already Dead, where hosts Jose Galison (@towergangjose) and Austin Picard (@theatrethugawp) dissect the intricate web of conspiracy, covert operations, and the underlying political machinations that might just be pulling the strings of our society.What to Expect:Live Listener Interaction: Call in to share your theories, ask burning questions, or discuss personal experiences related to the topics at hand.In-Depth Explorations: Each episode focuses on a different conspiracy or hidden aspect of political history, offering a platform to question and analyze what's often left unsaid.Thought-Provoking Guests: We invite individuals with insider knowledge or those who've taken the red pill to discuss topics that range from the fringe to the forefront of conspiracy culture.Critical Analysis of Current Affairs: We don't just report on events; we interpret them through the lens of parapolitics, looking for patterns and hidden agendas.Join Us: Every Tuesday at 9:30 PM ET, dive into the depths of the unknown with us. Subscribe, participate in our live call-ins, and be part of a community that seeks to understand the world beyond the surface narrative.Disclaimer: This podcast thrives on speculation, hypothesis, and the examination of alternative theories. It's meant to provoke thought and encourage personal research. Not all discussed is proven fact, but rather a call to question, explore, and understand. Warning: For those not ready to challenge their worldview, tread carefully. Once you enter the world of Already Dead, you might find that the truth is often already dead to the uninitiated. Welcome aboard, where curiosity is your guide.Please consider supporting my work- Patreon- https://www.patreon.com/nowayjose2020Only costs $2/month and will get you access to episodes earlier than the public No Way, Jose! Rumble Channel- https://rumble.com/c/c-3379274 No Way, Jose! YouTube Channel- https://youtube.com/channel/UCzyrpy3eo37eiRTq0cXff0gMy Podcast Host- https://redcircle.com/shows/no-way-joseApple podcasts- https://podcasts.apple.com/us/podcast/no-way-jose/id1546040443Spotify- https://open.spotify.com/show/0xUIH4pZ0tM1UxARxPe6ThStitcher- https://www.stitcher.com/show/no-way-jose-2Amazon Music- https://music.amazon.com/podcasts/41237e28-c365-491c-9a31-2c6ef874d89d/No-Way-JoseGoogle Podcasts- https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5yZWRjaXJjbGUuY29tL2ZkM2JkYTE3LTg2OTEtNDc5Ny05Mzc2LTc1M2ExZTE4NGQ5Yw%3D%3DRadioPublic- https://radiopublic.com/no-way-jose-6p1BAO Vurbl- https://vurbl.com/station/4qHi6pyWP9B/Feel free to contact me at thelibertymovementglobal@gmail.com#DCNationalGuardShooting #ModernGladio #AfghanPhoenixProgram #VenezuelaRegimeChange #TheSomaliConflict #ImmigrationCrisis #InfluencerIndustrialComplex #InfluenceOperation #SocialEngineering #IdeologicalSubversion #TavistockInstitute #Committeeof300 #ClubofRome #TPUSASexCrimes #HaitianIslandSexSlavePlot #TheAmericanNightmare #TSARealID #IndianaChildSexCrimes #DelphiMurders #PedophileOccupiedGovernment
On this episode of GMH Hotels, Wil Slickers and Steve Turk cover a busy week in travel! Expedia Group taps former Google AI leader Xavier (Xavi) Amatriain as its first Chief AI and Data Officer, TSA introduces a new $45 fee for travelers without a Real ID or passport, hotel loyalty programs undergo a major reinvention, and Marriott International expands into branded residences with its Ambar Orlando partnership. The episode wraps with an outrageous travel story you won't want to miss! This episode is brought to you by Amazon! To learn more, go to advertising.amazon.com Follow the Hosts: Brandy Canaley – LinkedIn Jamie Lane – LinkedIn Michael Goldin – LinkedIn Connect with Skift: LinkedIn: https://www.linkedin.com/company/skift/ WhatsApp: https://whatsapp.com/channel/0029VaAL375LikgIXmNPYQ0L/ Facebook: https://facebook.com/skiftnews Instagram: https://www.instagram.com/skiftnews/ Threads: https://www.threads.net/@skiftnews Bluesky: https://bsky.app/profile/skiftnews.bsky.social X: https://twitter.com/skift Subscribe to @SkiftNews and never miss an update from the travel industry.
U.S. Immigration Q&A Podcast with JQK Law: Visa, Green Card, Citizenship & More!
In this episode of the Crypto 101 Rundown, Tevo and Brian break down a major post-Thanksgiving market rebound as Bitcoin rockets from $84K to $92K despite extreme-fear sentiment. They highlight huge bullish catalysts—Vanguard finally enabling crypto ETFs, Bank of America recommending a 1–4% allocation, and whales aggressively accumulating during the dip. The discussion also covers strengthening U.S. regulatory momentum, including the FDIC's movement on stablecoin frameworks and rising institutional adoption from JPMorgan and others. The show wraps with updates on MicroStrategy's cash moves, Ethereum's upcoming upgrade, and community favorites like Pudgy Penguins and HyperLiquid gaining traction. Get my #1 altcoin pick for this month. Check out Plus500: https://plus500.comEfani Sim Swap Protection: Get $99 Off: http://efani.comcrypto101Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comCheck out Quince: https://quince.com/CRYPTO101Check out Gemini Exchange: https://gemini.com/cardThe Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro bonus, 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.Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Chapters00:00 — Show opens: markets rip post-Thanksgiving, BTC rebounds hard, and bullish news floods in.03:33 — Market scan: BTC, ETH, and SOL surge while Fear & Greed stays unusually low.05:51 — Whale wallets holding 1,000+ BTC spike, confirming heavy dip accumulation.09:24 — Vanguard shocks the industry by enabling Bitcoin, Ethereum, Solana, and XRP ETFs.17:11 — Bank of America recommends a 1–4% crypto allocation, signaling major TradFi alignment.24:21 — Sentiment talk: fundamentals remain strong as U.S. regulators and agencies turn pro-crypto.31:30 — Macro discussion: price fear vs. long-term conviction, plus reflections on past cycle psychology.43:36 — Momentum segment: Pudgy Penguins land an NHL partnership and hype tokens react to team unlocks.MERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.com* Check out Quince: https://quince.com/CRYPTO101* Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
If crypto wins without privacy, did we actually win? In this episode, Ryan sits down with Aztec co-founders Zac Williamson and Joe Andrews to unpack their eight-year quest to build a private world computer for Ethereum, covering the Aztec ignition chain, zero-knowledge-powered “private intents,” and how you can route trades across L1 and L2s without exposing your strategies or balances. They dive into ZK Passport (turning your NFC e-passport into a proof of personhood), the coming breakdown of selfie KYC in an AI world, holistic on-chain identity, Aztec's one-shot move to a fully decentralized L2. Along the way, Zac and Joe get candid about the regulatory risk of building privacy rails, echoes of the early SSL wars, and what keeps them grinding after nearly a decade of R&D to ship Aztec Alpha ---
Tuesday, December 2. The seven stories you need to know today. Read today's briefing.If you're not a subscriber, click here to start.
Severe winter weather is affecting travel across the country. Travelers without a RealID will be charged $45 starting next year. A Waymo car drove through a police standoff. Rage bait was named the 2025 Oxford word of the year.See omnystudio.com/listener for privacy information.
San Diego Police look for driver in deadly hit-and-run over the weekend; TSA to charge new fee for travelers without a Real ID, Giving Tuesday fundraiser for non-profits
This episode provides general educational information about the concept of fee only financial planning. We'll explain what the term means, how it differs from commission-based models, and discuss common considerations individuals may evaluate when choosing an approach. We'll also cover general factors related to transparency and client-advisor relationships. Important Note: The content shared is for informational purposes only and should not be considered personalized financial, legal, or tax advice. We do not recommend specific products, investments, or strategies. For advice tailored to your situation, please consult a qualified professional such as a financial planner, tax advisor, or attorney.
Steve Cona is the President and CEO of Associated Builders and Contractors, and in this episode he breaks down the biggest challenges shaping Tampa's construction and development future. He talks about outdated permitting systems, long delays, the need for statewide standards, opportunities for AI and private-sector plan review, workforce shortages, housing affordability concerns, density debates, and the rising conversation around impact fees. Steve explains why timing, clarity, and a modernized process are critical as Tampa continues to grow, and why getting these systems right will determine whether builders, small businesses, and neighborhoods can continue to succeed.0:00:00 - Intro0:01:45 - Permitting Process0:09:34 - Impact Fees0:18:38 - Land Development Code0:40:00 - Updating Building Code0:51:50 - Alternative Building Methods0:54:29 - Tradesman Shortage1:02:49 - West Tampa
Tsa announces $45 fee for travelers with no real id - abc30 fresno Travelers going through airport security checkpoints without a real id or passport will face a $45 fee starting feb. 1, the transportation security administration announced Monday. JD Vance: "how many of you really like turkey?" many soldiers raise their hands. vance: "you're all full of $$#@ He says, it is so American because at the heart of it is the spirit of gratitude. Cyber Monday: how to avoid scams while online holiday shopping Considered one of the biggest shopping days of the year, cyber Monday is also one of the most dangerous as scammers look to capitalize on an influx of shoppers. BBB has some tips on how not to get scammed. Giving Tuesday and local charities Heart of the Horse Ranch, Central Valley Honor Flight, Breaking the Chains, Central Ca Foodbank, the Art of Life Healing Park at Woodward Park, Salvation Army and Poverello House, Marjorie Mason Center, & local Rotary clubs. See omnystudio.com/listener for privacy information.
What if you could fly your family to Europe in first class, stay at luxury resorts for $400 a week, and spend less on vacation than you do at home? Chelsey from Camouflage Perks shares how military families are using fee-waived credit cards and exclusive military discounts to travel the world. Today's guest is Chelsey from Camouflage Perks - Military spouse and travel expert with 45,000+ Instagram followers sharing military-exclusive travel benefits and points strategies. Key Takeaways Exclusive military travel benefits save thousands - from $200 Epic Passes to free Atlantis nights, many perks require in-person verification and aren't advertised online Fee-waived credit cards eliminate travel costs - Military spouses and service members get annual fees waived on premium cards, making $500+ in annual credits completely free Stack benefits for maximum impact - combine credit card points with military discounts to cover flights, hotels, and daily expenses Cards work without travel - streaming services, dining credits, and shopping perks can save hundreds monthly even if you never take a vacation Discipline is essential - this strategy only works if you pay balances in full every month; credit card debt disqualifies you from participating Resources & Links Mentioned: Instagram: @camouflage.perks Website: camouflageperks.com Grand Hyatt Deer Valley: Google "Deer Valley Salute to Service" Epic Pass military: epicpass.com Armed Forces Vacation Club: afvclub.com Use Your Credits (Resy restaurant finder): useyourcredits.com Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
Why has Green party membership exploded since Zack Polanski became leader in September? What radical economic reforms is he fighting for? Why have the Greens stopped talking about the environment? Alastair and Rory are joined by Zack Polanski, leader of the Green Party, to answer all this and more. Gift The Rest Is Politics Plus this Christmas - give someone a whole year of Rory and Alastair's miniseries, ad-free listening, early access to episodes and live show tickets, an exclusive members' newsletter, discounted book prices, and a private chatroom on Discord. Just go to https://therestispolitics.supportingcast.fm/gifts And of course, you can still join for yourself any time at therestispolitics.com For Leading listeners, there's free access to the Wordsmith Academy - plus their report on the future of legal skills. Visit https://www.wordsmith.ai/politics To save your company time and money, open a Revolut Business account today via https://get.revolut.com/z4lF/leading, and add money to your account by 31st of December 2025 to get a £200 welcome bonus or equivalent in your local currency. Feature availability varies by plan. This offer's available for New Business customers in the UK, US, Australia and Ireland. Fees and Terms & Conditions apply. For US customers, Revolut is not a bank. Banking services and card issuance are provided by Lead Bank, Member FDIC. Visa® and Mastercard® cards issued under license. Funds are FDIC insured up to $250,000 through Lead Bank, in the event Lead Bank fails. Fees may apply. See full terms in description. For Irish customers, Revolut Bank UAB is authorised and regulated by the Bank of Lithuania in the Republic of Lithuania and by the European Central Bank and is regulated by the Central Bank of Ireland for conduct of business rules. For AU customers, consider PDS & TMD at revolut.com/en-AU. Revolut Payments Australia Pty Ltd (AFSL 517589). Social Producer: Celine Charles Video Editor: Josh Smith Producer: Alice Horrell Senior Producer: Nicole Maslen Head of Politics: Tom Whiter Exec Producers: Tony Pastor + Jack Davenport Learn more about your ad choices. Visit podcastchoices.com/adchoices
San Diego Police are asking for the public's help finding the hit and run driver that killed a 60-year-old man in Hillcrest. The Zoo has formalized plans to charge $16 per day for parking for Non-Zoo members. Starting tonight at 10:00, the Hawthorne exit on the Northbound I-5 will be closed, as well as the north and southbound SR-163 connectors to I-5. What You Need To Know To Start Your Monday.
Talking about money makes most therapists uncomfortable, especially when it comes to raising fees.Tiffany McLain, Founder and CEO of Lean In. MAKE BANK., joins Michael Fulwiler to explore how therapists can build financially sustainable practices without sacrificing their values or clinical integrity.Tiffany shares how her personal upbringing shaped her views on money, why sliding scales aren't always ethical, and how therapists can rethink their business model to better support themselves and their clients. She also breaks down the unconscious patterns that often hold therapists back from charging what they need and how confronting those patterns can deepen the clinical work.Listen to this conversation to help you think differently about what it means to be a successful therapist in private practice.In the conversation, they discuss:The internalized beliefs that hold therapists back from raising fees, and how these often stem from family dynamicsWhat therapists get wrong about sliding scale models and why setting fees based on assumptions about a client's income can damage the therapeutic relationshipThe strategy Tiffany teaches to help therapists leave insurance panels and build premium-fee caseloadsConnect with the guest:Tiffany on Instagram: https://www.instagram.com/leaninmakebank/ Tiffany on LinkedIn: https://www.linkedin.com/in/tiffanymclain/Visit the Lean In. MAKE BANK. website: https://leaninmakebank.com/ Connect with Michael and Heard:Michael's LinkedIn: https://www.linkedin.com/in/michaelfulwiler/ Newsletter: https://www.joinheard.com/newsletter Book a free consult: joinheard.com/consult Jump into the conversation:(00:00) Welcome to Heard Business School(01:05) Meet Tiffany McLain(02:21) Childhood Lessons that Shaped Tiffany's Money Beliefs(04:34) Hiding Financial Goals During Therapy School Interviews(06:20) The Mindset Most Therapists Bring to Private Practice(08:03) How Tiffany Challenged the Fee Status Quo(10:12) Early Lessons on Raising Fees at Access(12:24) Common Myths Therapists Believe about Setting Fees(14:54) Why Therapists Assume Clients Can't Afford Therapy(16:32) Private Practice Isn't Built to Serve Everyone(19:40) Sliding Scale Often Masks Money Avoidance(23:02) A Practical Method for Calculating Your Fee(25:30) What to Say When Raising Your Rate(30:18) Low Fees Can Harm the Therapeutic Relationship(33:59) Can You Build a Practice on Insurance?(40:31) Tiffany's Four-Step Framework for Premium Practices(46:39) Hiring Challenges and Growing a Values-Led BusinessThis episode is to be used for informational purposes only and does not constitute legal, business, or tax advice. Each person should consult their own attorney, business advisor, or tax advisor with respect to matters referenced in this episode.
On today's Legally Speaking Podcast, I'm delighted to be joined by Darryl Cooke. Darryl is the Co-Founder and Executive Chairman of Gunnercooke LLP, an award-winning international law firm. Darryl's firm is known for redefining what it means to lead and innovate in professional services. A successful corporate lawyer, Darryl has built one of the UK's most disruptive legal firms - and is on a mission to change the legal model, putting people and purpose at the core of business.So why should you be listening in? You can hear Rob and Darryl discussing:- Creating a Revolutionary Fee-Share Model- How to Live Through Values, Not Just Words- Methods of Empowering Leadership- Making the Most of Community-Driven Impact- Designing Your Life, Your WayConnect with Darryl Cooke here - https://uk.linkedin.com/in/darryljcooke
Episode 179. HOT TOPIC between the fees of Signing Agents and Signing Services. How much is offered, and who has more expenses. I'm going to break it down with my real life examples.The following link will take you to our Podcast links, YouTube, social media, and email:https://linktr.ee/peaksigningSupporting our sponsors supports the podcast:Loan Signing System http://loansigningsystem.com/?afmc=3ewCRM: https://learn.loansigningsystem.com/masterclass-2025?am_id=derek51931-on-1 Notary Coaching: https://notarysuccesspath.com/coaching-program448866?am_id=derek820Complete Notary Mentorship https://www.loansigningsystem.com/notary-signing-agent-mentorship.html/?afmc=3ewNotaryAct Ejournal https://register.notaryact.com/peaksignings/
AP correspondent Ed Donahue reports on a new airport fee,
The 1920 General Election: The League and Campaign Oratory — David Pietrusza — Harding proved to be a surprisingly effective orator, earning substantial speaking fees on the Chautauqua lecture circuit despite his reputation for carefully evasive rhetoric. Following his meeting with the infirm Wilson, Cox committed unreservedly to supporting the League of Nations, a political miscalculation that proved electorally catastrophic. Wilson's documented inability to negotiate or tolerate substantive opposition represented a fundamental character flaw that prevented compromise on League ratification. Socialist Eugene Debs also mounted a presidential campaign, remarkably doing so while imprisoned for wartime anti-war advocacy. 1920 COX AND FDR
Today's blockchain and cryptocurrency news China's central bank reaffirms crypto ban, flags stablecoin risks following multi-agency meeting. Visa taps Aquanow to expand stablecoin settlement in key markets###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
Jocko Willink is a retired U.S. Navy SEAL officer, bestselling author, and leadership expert with a 20-year military career. Enlisting at 19, he completed BUD/S class 177, served with SEAL Teams One and Two, and later commissioned as an officer with deployments across Asia, the Middle East, and Europe. He led SEAL Team Three's Task Unit Bruiser in the Battle of Ramadi during Operation Iraqi Freedom, earning the Silver Star while commanding the war's most decorated Special Operations unit. After retiring in 2010 as a lieutenant commander, Willink became a Brazilian jiu-jitsu black belt and advocate of disciplined 4:30 a.m. routines. He co-founded Echelon Front, advising companies worldwide, and launched the Jocko Podcast in 2015, surpassing 1 billion downloads. He co-owns Origin USA, founded Jocko Fuel, and operates Victory MMA & Fitness in San Diego. His books—Extreme Ownership, Discipline Equals Freedom, and the Way of the Warrior Kid series—share his principles of leadership and personal discipline. Willink is a partner in the San Diego FC ownership group and host of the FOX special Above, Below and Beyond, honoring 250 years of the U.S. Navy and Marine Corps. He lives in California with his wife, Hellene, and their four children. Shawn Ryan Show Sponsors: https://USCCA.com/srs https://tryarmra.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://blackbuffalo.com https://shawnlikesgold.com https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://ROKA.com – USE CODE SRS https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video 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. Jocko Willink Links: X -https://x.com/jockowillink IG - https://www.instagram.com/jockowillink YT - https://www.youtube.com/@JockoPodcastOfficial LI - https://www.linkedin.com/in/jocko-willink-260b289 GYM -https://victorygyms.com/person/john-jocko-willink JOCKO FUEL - https://jockofuel.com Echelon Front - https://events.echelonfront.com/product/muster-023 Amazon Author - https://www.amazon.com/stores/Jocko-Willink/author/B00ZY7MWW8 San Diego Futbol Club - https://www.sandiegofc.com/club/ownership Streaming Special - https://nation.foxnews.com/watch/f906bbf75deeb400207c23761349eef5 Learn more about your ad choices. Visit podcastchoices.com/adchoices
Tucker Carlson is a leading voice in American politics, recognized by Time magazine as the “most powerful conservative in America,” and the host of The Tucker Carlson Show, a long-form conversational podcast launched after his departure from Fox News in 2023. He attended St. George's School in Rhode Island, where he met his future wife, Susan, and developed a passion for debating, before earning a B.A. in history from Trinity College in 1991. After a rejected CIA application, Carlson pursued journalism, starting as a fact-checker for Policy Review and writing for outlets like The Weekly Standard, New York magazine, and Reader's Digest. His broadcast career spanned CNN (2000–2005) as co-host of The Spin Room and Crossfire, PBS (2004–2005) with Tucker Carlson: Unfiltered, and MSNBC (2005–2008) with Tucker. In 2010, he co-founded The Daily Caller, a political news website, selling his stake in 2020. Carlson joined Fox News in 2009, becoming a contributor, co-hosting Fox & Friends Weekend (2013–2016), and later hosting Tucker Carlson Tonight (2016–2023), the highest-rated program in cable news history. After leaving Fox in 2023, he founded TCN, an online media company dedicated to unfiltered, truth-driven reporting, reshaping the media landscape with record-breaking online interviews featuring figures like Donald Trump, Vladimir Putin, and Elon Musk. He is the New York Times bestselling author of Ship of Fools and The Long Slide. Carlson advocates for independent media, free speech, and fearless discourse on critical issues. Shawn Ryan Show Sponsors: https://tryarmra.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://blackbuffalo.com https://shawnlikesgold.com https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://ROKA.com – USE CODE SRS https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video 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. Tucker Carlson Links: X - https://x.com/TuckerCarlson IG - https://www.instagram.com/tuckercarlsontcn YT - https://www.youtube.com/@TuckerCarlson TCN - https://tuckercarlson.com The Tucker Carlson Show - https://tuckercarlson.com/podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices