Podcasts about Flat

Last week, I talked about invisible work, all of those small, well-intentioned tasks that quietly chip away at your profits. This week, I want to continue that conversation with one simple question: if you've switched to flat fees, are they actually flat enough? Because I see this all the time. Designers move away from hourly billings thinking, finally, no more time tracking, no more nickel and diming, no more surprises. But then the project ends, the designer is exhausted, the profits are thin, and they're wondering where all of their time went. And it's not that your number was wrong, it's that your flat fee wasn't flat enough.   Mentioned in this episode: Sign up for The Pricing Fix workshop on November 6th, 12:30 PM EST:  https://www.reneedevignierdesign.com/the-pricing-fix Join the wait list for my course, The Designers Edge: https://www.reneedevignierdesign.com/construction-management-interior-designers Access the full video interview with Elana Steele of Steele Appliance here: https://www.reneedevignierdesign.com/appliance Sign up here to join my panel discussion at High Point: https://www.eventbrite.com/e/meet-the-podcasters-tickets-1657193372989?aff=oddtdtcreator Sign up for my weekly newsletter: https://www.reneedevignierdesign.com/from-the-jobsite   Find the full shownotes at: https://devignierdesign.com/why-your-flat-fee-isnt-flat-enough  

The Tampa Bay Buccaneers fall flat in Detroit as the offense completely unravels and the defense fights to keep them alive. Baker Mayfield delivers his worst performance of the season, missing key throws and struggling to find rhythm behind a sputtering offensive line. Meanwhile, Mike Evans leaves early with a concussion and shoulder injury, and the Bucs offense never recovers.

Dave is turning the car rental business upside down, Jeff is glamming up your pets, and Queen Ana is pushing her shrimp empire.Check out the full episode on the Patreon.Get merch and inventions at slop.online.Follow Twinnovation on Instagram.Send your ideas and inventions twinnovationpodcast@gmail.com or DM Dave on Instagram.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Calandagan crowned. Cicero's Gift shocks the world. Powerful Glory lands a 200/1 bomb.Ascot's Champions Day had everything: elite brilliance, total chaos, and the rise of new stars. In this Final Furlong special powered by 1xBet, Emmet Kennedy leads a high-energy review with Georgia Cox, Adam Mills, and jockey Charlie Bennett - breaking down every Group 1 with pace maps, sectionals, ratings, betting takeaways, and plenty of craic.

Returning guest, singer/songwriter Oscar Herrera (The Sleep of Reason, Black Tape for a Blue Girl), brings us Bauhaus and their 1980 debut full-length: 'In The Flat Field'. Often cited as a foundational release in the Goth-rock genre, there's no denying this darkly theatrical, often ferocious collection of songs STILL packs an unsettling punch. Happy pre-Halloween! Songs discussed in this episode: Dark Entries (Bauhaus cover) - Revolting Cocks (Feat. Gibby Haynes); I Have A Task - Oscar Herrera; God Of Thunder - Kiss; Isolation - Joy Division; Jigsaw Feeling - Siouxsie and The Banshees; His Box - Dalis Car; Castor and Pollux, To The Sea, Validation - Oscar Herrera; Double Dare, Antonin Artaud, In The Flat Field, God In An Alcove, Dive, The Spy In The Cab, Small Talk Stinks, St Vitus Dance, Who Killed Mr Moonlight, Stigmata Martyr, Nerves, Bela Lugosi's Dead, Telegram Sam (T-Rex cover), Ziggy Stardust (David Bowie cover) - Bauhaus; The Black Harvest (Live) - The Sleep Of Reason; Rose Garden Funeral of Sores (John Cale cover, live) - Bauhaus; Vienna (Ultravox cover) - Oscar Herrera

Donn McClean and Micheál Deasy join host Tom Stanley for the conclusion of the Flat season. Twitter/X: https://bit.ly/3Trz7Fb Facebook: https://bit.ly/3cqQlC4 Instagram: https://bit.ly/3Aq7qE0 Search Matchbook Insights for our latest written previews   18+ | BeGambleAware

Support our sponsors this week by using the links below for the exclusive Solomonster offers!BETTERHELP ▶ Get 10 PERCENT OFF your first month and give online therapy a try at http://www.betterhelp.com/solomonster to start being your best self. Thanks to BetterHelp for sponsoring this week's episode!FACTOR MEALS ▶ Use code "solomonster50off" at http://www.factormeals.com/solomonster50off to get 50 PERCENT OFF your first box plus FREE BREAKFAST for one year!Solomonster reviews the final AEW Dynamite before WrestleDream, which was a THREE HOUR SHOW with Collision tacked on at the end.  These three hour blocks need to die in a fire.  The only thing of any great value was an INCREDIBLE cinematic face-to-face with Jon Moxley and Darby Allin that was giving off Batman/Joker interrogation scene vibes.  Whoever produced that needs to do MORE OF THAT.  The rest of this show felt very flat and uninspired. ***Follow Solomonster on X (formerly Twitter) for news and opinion:http://x.com/solomonsterSubscribe to the Solomonster Sounds Off on YouTube:https://www.youtube.com/user/TheSolomonster?sub_confirmation=1Become a Solomonster Sounds Off Channel Member:https://www.youtube.com/channel/UC9jcg7mk93fGNqWPMfl_Aig/join

Send us a textShownotes can be found at https://www.profitwithlaw.com/503.Hourly billing feels safe—but it's actually one of the biggest traps holding law firms back. It limits your earning potential, creates tension with clients, and keeps you stuck trading time for money instead of building real value.In this episode, Moshe Amsel sits down with Jonathan Stark, author of Hourly Billing Is Nuts and a leading voice in alternative pricing, to unpack why the billable hour model is broken—and what to do instead.From fixed fees to subscription models, Moshe and Jonathan break down how to charge more ethically, boost client trust, and create a firm that grows without burning you out.⏰It's time to double your take-home pay and cut hours in ½.Long hours, inconsistent income, and no clear path out of it are not fun revenue rollercoasters for any solo attorney.In a free, 30 minute call, we help law firm owners with a proven roadmap to escape that cycle and build predictable growth.In that growth call, get:

FINAL FURLONG PODCAST — Champions Day Special

Plus: Progressive posts disappointing earnings. And Morgan Stanley and Bank of America jump after earnings surprise to the upside. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Champions Day at Ascot — the £4 million finale to the Flat season featuring five Group 1s and the sport's biggest names: Delacroix, Ombudsman, Calandagan, Rosallion, Field Of Gold, Trawlerman, and more.

Alistair Bruce-Ball, Chris Sutton and Statman Dave talk all things FPL ahead of Gameweek 8. Dave finally gives into Haaland, but should we be giving up on our Liverpool assets already? Is Reijnders overrated? Will Chris ever get the name of the pod right? Will Barry from the AA fix Ali's car in time?H2H Division One leader Natalie Pike joins the pod for a very competitive Sutton Death and a listener takes advantage of a glitch in the FPL app.Make sure you enter your team into the BBC Sport League! The all-important code is bbcfpl.To get in touch - email fpl@bbc.co.uk or Voice notes on WhatsApp to 0800 028 9369.Premier League commentaries on 5 Live and BBC Sounds this week –Saturday 19th October – Manchester City v Everton – 3pm Saturday 19th October – Crystal Palace v Bournemouth – 3pm (Sports Extra) Saturday 19th October – Fulham v Arsenal – 5:30pm Sunday 20th October – Tottenham Hotspur v Aston Villa – 2pm Sunday 20th October – Liverpool v Manchester United – 4:30pm

Packers Total Access Hour 1 : The Lions Fall Flat! + Victory Monday!!!

Packers Total Access Hour 1 : The Lions Fall Flat! + Victory Monday!!!

10/14/25: Jeff is the President and Chief Executive Officer of NexEra Materials Group, LLC based out of South Dakota. NexEra, the manufacturer of Cem-Rock planned to break ground on two new manufacturing facilities—one in Rapid City, SD, and another in Waycross, GA, but he changed his mind on it earlier this year. He joins Joel Heitkamp on "News and Views" to talk about the tariffs in place impacting American businesses and buyers. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

✅ How to Finalize Your Divorce Quickly in Santa Clarita? | Santa Clarita Divorce

When Rishi moves into a cheap Mumbai flat, strange things begin to happen — a TV that turns on by itself, CCTV footage showing his own apartment… and someone standing right behind him. Flat No. 404 — a haunting reminder that some doors should never be reopened. Learn more about your ad choices. Visit megaphone.fm/adchoices

Could GLP-1s like Ozempic and Mounjaro be making you feel less motivated? Registered Dietitians Kait Richardson and Megan Ware explore how weight loss medications impact the brain's reward (dopamine) system for better or for worse.Get your own personalized nutrition plan!Work 1:1 with Kait & Megan: ⁠⁠⁠⁠www.orlandodietitian.com⁠⁠⁠⁠Follow us on Instagram: Nutrition Awareness: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/nutrition.a..⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Our books:You can order How to Eat Like a Normal Person: A Guide to Overcoming the All-or-Nothing Mindset with Food & Diet ...on ⁠⁠⁠Amazon⁠⁠⁠⁠!And The Optimized Life ... on Amazon⁠⁠⁠ ⁠here⁠⁠⁠⁠!Speaking:Kait is available for virtual and in-person speaking events to inspire your team to stop dieting and eat healthier. Learn more on her website ⁠⁠⁠⁠www.kaitrichardsonrd.com⁠⁠⁠⁠.Disclaimer: Kait and Megan are Registered Dietitians, not licensed therapists or medical doctors. This information is for educational and entertainment purposes only. It is not meant to be a substitute for mental health counseling or medical advice.

Big shocks at Newmarket, a record haul for Ballydoyle, and a new juvenile course record - here's what reallymatters for the Guineas and Derby trail. Emmet Kennedy, Georgia Cox, and Jamie Wrenn rewind an unforgettable weekend of racing action:

⚠️ How to Avoid Common Mistakes in Santa Clarita Divorces | Santa Clarita Divorce

Duane and Producer Steve recap the Sabres 3-1 loss to the Boston Bruins: - Embarrassing 1st period. Outshot 18-1 - Stars aren't shining - How much of this is on Lindy Ruff? Does this tarnish his legacy with Buffalo? - Should Alex Lyon remain starter when UPL returns? - If season goes off rails, who gets fired first? Lindy or Kevyn? - Why not try Josh Doan on top line? - To fill the hole left by Josh Norris injury, why not bring up Rosen, Helenius, or Ostlund? - More! Subscribe on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts! Presented by Fattey Beer Co. Learn more about your ad choices. Visit megaphone.fm/adchoices

⏳ How Long Does Divorce Take in Santa Clarita? | Santa Clarita Divorce

He's the bloodstock mastermind behind over 4,000 race winners - sourcing Cheltenham Gold Cup heroes, Grand National champions, and Grade 1 stars from Native River to Envoi Allen. But earlier this year, Tom Malone found himself in an unexpected spotlight when Paul Nicholls announced changes to his buying team. Tom reflects on that moment - the noise, the lessons, and how he chose quiet work over public defence - before turning the page to what really matters: the horses who could light up the 2025/26 Jumps season. In this wide-ranging conversation, Emmet Kennedy goes deep with one of the most successful, straight-talking figures in bloodstock on:

In this Final Furlong special, Emmet Kennedy sits down with Sky Sports Racing presenter Josh Apiafi, the driving force behind The Enduring Race, his new Sky Sports documentary examining whether horse racing has truly delivered on diversity, equality, and inclusion. Five years after his powerful film Leading The Way with Rishi Persad and Brian Finch, Josh returns with a sobering message: warm words aren't enough. In this candid conversation, Josh explains:

Zavateri: The £35,000 Bargain Who Could Become Europe's Champion Juvenile. This Final Furlong Podcast Bonus Episode, powered by 1XBet, features one of British racing's most admired trainers: Eve Johnson Houghton. Live from Tattersalls, Eve reveals the inside story behind her unbeaten colt Zavateri, who cost just 35,000 guineas and now stands on the brink of Group 1 immortality in the Darley Dewhurst Stakes at Newmarket. Can Zavateri emulate — Teofilo, New Approach, Dawn Approach, Air Force Blue, Churchill, Pinatubo, and Native Trail — by landing the Vincent O'Brien National Stakes–Dewhurst Group 1double?

WWE's NXT and AEW went head-to-head on Tuesday with NXT Showdown battling AEW Title Tuesday for eyeballs. Host Adam Silverstein opens by diving into the latest wrestling news [2:15] involving Santos Escobar, Kota Ibushi, Karrion Kross and MVP before breaking down both shows. "The Silver King" tackles NXT [13:35] where the head-to-head with TNA Wrestling left a lot to be desired despite Ethan Page and Mustafa Ali putting on the match of the week. The Survivor Series matches failed to deliver as The Hardys won the NXT tag team in fun yet depressing fashion. Adam then breaks down AEW [28:45] with Samoa Joe working hard to build his title match with Hangman Page, Orange Cassidy vs. Pac going off the rails, Darby Allin introducing a Molotov cocktail against the Death Riders, Kris Statlander and Toni Storm being relegated to Collision alongside an overall refusal to tell stories that drastically impacted both shows. Follow Getting Over on Twitter, Bluesky & YouTube @GettingOverCast.

After tipping two 14/1 winners (Jel Pepper & Daryz), a 12/1 winner (Syzygy), plus 11/4, 3/1, 9/4 & 11/10 NAPs last weekend —Emmet Kennedy, Andy Newton, George Gorman, and Peter Michael return to tackle Dewhurst Day at Newmarket, featuring a Group 1 card stacked with betting opportunities.

Are you truly prepared for a roadside breakdown, or are you just one flat tire away from a crisis? In this comprehensive episode of Ready Your Future, Todd reveals how to build a proper vehicle survival kit that goes far beyond the basic jumper cables most drivers keep tucked away. Drawing from his own experience of a tire blowout during an anniversary trip and the list created by the RYF Exclusive Email Group, Todd explains why every prepper needs a well-thought-out auto emergency kit tailored to their specific climate, vehicle type, and travel patterns. This isn't about tossing random items in your trunk—it's about strategic preparedness that transforms your vehicle into a mobile resource center. Todd breaks down the essential components of an effective car emergency kit, from the tools that save you money during breakdowns to the life-saving gear needed for winter emergencies. Whether you're stranded in extreme heat, caught in a snowstorm, or simply dealing with a dead battery in a sketchy neighborhood, the right vehicle kit makes all the difference between vulnerability and self-reliance. Learn how to properly store temperature-sensitive items, which tools veteran preppers swear by, and why your prepper kit should include items you've probably never considered—all based on real-world testing and years of practical experience. Mentioned in this Episode FREE PDF: Vehicle Emergency Prep Kit Checklist PIC: Fix a Flat from 2014! Batteryless Jump Starter Kidde Fire Extinguisher for Vehicles, Cars, Trucks, Single-Use 10BC USB-C Rechargeable LED Road Flares Emergency Lights-Large Capacity Self Sealing Fusing Silicone Tape POD: Listen to Ep 843 – The Too Hot, Too Cold Kit Of Interest Get One Preparedness Action Tip in Your Email Weekly! Listen to The Christian Prepper Podcast Join the Exclusive Ready Your Future Email Group

The Final Furlong team return with a huge Friday racing preview - from the Fillies' Mile at Newmarket to inside info at Chepstow, York, and Dundalk!

The best and worst picks of the week and Michigan State continues to get in their own way. Download the latest episode of Cash the Ticket today. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

From 'Cash The Ticket' (subscribe here): The best and worst picks of the week and Michigan State continues to get in their own way. Download the latest episode of Cash the Ticket today. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

It's EV News Briefly for Tuesday 07 October 2025, everything you need to know in less than 5 minutes if you haven't got time for the full show. Patreon supporters fund this show, get the episodes ad free, as soon as they're ready and are part of the EV News Daily Community. You can be like them by clicking here: https://www.patreon.com/EVNewsDaily UK EV SALES REACH RECORD LEVELS https://evne.ws/46QfDBv TESLA TEASES OCTOBER 7 MODEL Y REVEAL https://evne.ws/46WT3Hs TESLA GERMANY SEPTEMBER SALES AND BYD SURGE https://evne.ws/4mRi9gM EUROPE EV SALES RISE IN AUGUST https://evne.ws/46Vqpqm FRANCE SEPTEMBER EV MARKET UPDATE https://evne.ws/48NVMp9 AUDI US EV SALES SURGE Q3 2025 https://evne.ws/48jHD30 CADILLAC Q3 EV SALES SURGE https://evne.ws/4nI8z1c BMW AND STELLANTIS MATCH FEDERAL EV CREDIT https://evne.ws/4q3L9VG DACIA SPRING UPGRADED WITH MORE POWER AND LFP https://evne.ws/4hiK8oN SCANIA HIGH-FLOOR ELECTRIC COACH PLATFORM https://evne.ws/4374rPM KIA PV5: ELECTRIC LIGHT COMMERCIAL VAN https://evne.ws/48PS12r ILLINOIS EV FAST CHARGING: $15 FLAT https://evne.ws/3KBE8uY RIVIAN ADDS LIDAR TO AUTONOMY PLATFORM https://evne.ws/4h1hacD UK EV SALES REACH RECORD LEVELS UK electric car registrations surged nearly 33% in September to 72,779 units, with over half of new vehicles electrified and the majority purchased by businesses or fleets. Government grants and incentives have widened adoption, and zero-emission vehicles now account for over 22% of new cars registered in 2025, while diesel registrations plummeted to historic lows. TESLA TEASES OCTOBER 7 MODEL Y REVEAL Tesla released a teaser for an October 7 Model Y reveal, sparking speculation over a more affordable variant intended to boost sales momentum and address product aging. The event is pivotal as Tesla faces pressure from competition and expiring federal incentives; analysts expect production ramp-up of the lower-cost Model Y in Q4. TESLA GERMANY SEPTEMBER SALES AND BYD SURGE In Germany, BEV registrations rose 31.9% year-over-year, but Tesla's numbers fell 9.4% in September and halved since January, while Chinese rival BYD saw registrations soar beyond twenty-fold for the month. The rise of competitors and market diversification are accelerating electrification, prompting legacy automakers to refresh offerings despite Tesla's updated Model Y achieving stronger results in other parts of Europe. EUROPE EV SALES RISE IN AUGUST European plug-in vehicle sales climbed 36% year-over-year in August to about 246,000 units, outpacing overall market growth and raising BEV share to 21%. Popular models like Tesla's Model Y, Skoda Elroq, and Model 3 contributed to momentum, reinforcing investment in charging infrastructure and fleet electrification. FRANCE SEPTEMBER EV MARKET UPDATE France saw 140,090 total registrations in September with plug-in vehicles making up 29% of sales, as BEVs and PHEVs increased their market share compared to last year. The Tesla Model Y led the month's results with its best French volume in two years, pointing to strengthening Q3 demand for electrification despite a slight year-to-date shortfall. AUDI US EV SALES SURGE Q3 2025 Audi's U.S. EV sales leaped 232% to 18,071 units in Q3 2025, with electrics making up 39% of the brand's quarterly volume as the Q6 e-tron outsold its ICE sibling Q5. The shift signals consumer preference for electric variants, but ongoing growth depends on scaled production, dealer readiness, and effective ownership economics. CADILLAC Q3 EV SALES SURGE Cadillac delivered 18,383 EVs in Q3—a record since 2013—boosted by expiring tax credits, with electric models chosen by 40% of buyers in the period. Q3 EV deliveries rose 154% year-over-year, though upcoming quarters will test Cadillac's ability to sustain the momentum. BMW AND STELLANTIS MATCH FEDERAL EV CREDIT BMW and Stellantis are offsetting the loss of the $7,500 federal EV tax credit by applying equivalent discounts to eligible electric and plug‑in hybrid models. The offers, restricted to dealer inventory and requiring delivery by early November, are intended to prevent immediate price hikes and maintain sales amidst changing incentives. DACIA SPRING UPGRADED WITH MORE POWER AND LFP Dacia's upgraded Spring city car features new, more powerful motors and a lithium iron phosphate (LFP) battery that improves cost and safety while maintaining a WLTP range of 140 miles. The revised models, now quicker and more efficient, are priced from £15,000 to £17,000 and arrive early next year. SCANIA HIGH-FLOOR ELECTRIC COACH PLATFORM Scania has launched a high-floor battery-electric coach platform with up to 600 km range, supporting multiple body types and maintaining luggage space comparable to conventional coaches. The new platform comes with integrated smart charging services and aims to advance commercial vehicle electrification across Europe. KIA PV5: ELECTRIC LIGHT COMMERCIAL VAN Kia's new PV5 electric van, built on a dedicated E-GMP.S platform, offers multiple body styles, battery options up to 258 miles, and fast DC charging of up to 150 kW. Integrated fleet management and warranty features support commercial use, with mass production underway in Korea. ILLINOIS EV FAST CHARGING: $15 FLAT Universal EV Chargers now provide flat-rate, $15-per-session DC fast charging across Illinois, eliminating time-based pricing and surprise surcharges. Drivers use CCS or NACS connectors, scan to start, and benefit from predictable costs with a growing statewide coverage. RIVIAN ADDS LIDAR TO AUTONOMY PLATFORM Rivian will incorporate LiDAR sensors into its next-generation vehicles to bolster their autonomy platform, reflecting industry trends as costs for the technology decrease. Recent hires and tech stack updates align with CEO RJ Scaringe's statements about Rivian's long-term focus on advanced driver-assistance systems.

Can you help me make more podcasts? Consider supporting me on Patreon as the service is 100% funded by you: https://EVne.ws/patreon You can read all the latest news on the blog here: https://EVne.ws/blog Subscribe for free and listen to the podcast on audio platforms: ➤ Apple: https://EVne.ws/apple ➤ YouTube Music: https://EVne.ws/youtubemusic ➤ Spotify: https://EVne.ws/spotify ➤ TuneIn: https://EVne.ws/tunein ➤ iHeart: https://EVne.ws/iheart UK EV SALES REACH RECORD LEVELS https://evne.ws/46QfDBv TESLA TEASES OCTOBER 7 MODEL Y REVEAL https://evne.ws/46WT3Hs TESLA GERMANY SEPTEMBER SALES AND BYD SURGE https://evne.ws/4mRi9gM EUROPE EV SALES RISE IN AUGUST https://evne.ws/46Vqpqm FRANCE SEPTEMBER EV MARKET UPDATE https://evne.ws/48NVMp9 AUDI US EV SALES SURGE Q3 2025 https://evne.ws/48jHD30 CADILLAC Q3 EV SALES SURGE https://evne.ws/4nI8z1c BMW AND STELLANTIS MATCH FEDERAL EV CREDIT https://evne.ws/4q3L9VG DACIA SPRING UPGRADED WITH MORE POWER AND LFP https://evne.ws/4hiK8oN SCANIA HIGH-FLOOR ELECTRIC COACH PLATFORM https://evne.ws/4374rPM KIA PV5: ELECTRIC LIGHT COMMERCIAL VAN https://evne.ws/48PS12r ILLINOIS EV FAST CHARGING: $15 FLAT https://evne.ws/3KBE8uY RIVIAN ADDS LIDAR TO AUTONOMY PLATFORM https://evne.ws/4h1hacD

The show kicks off with a sardonic take on turf wars between delivery drivers—yes, really—before diving into third-quarter market returns, investor behavior, and asset class performance. Don and Tom remind listeners (again) that sticking with a diversified portfolio beats timing markets or following headline noise. Listeners call in about Social Security strategies, inheritance accounts for minors, and what to do with large sums of cash in retirement. The show wraps with a smart look at ETF-to-mutual fund conversions and why the old-school fund industry is getting left in the dust. 0:11 Delivery turf wars joke and quarter-end reflections 1:40 Fears vs. reality: inflation, jobs, and trade wars 2:16 Q3 returns: U.S. stocks +8%, EM +9.6%, silver tops, cocoa flops 3:09 What you had to do to earn those returns: be invested, diversified, and ignore noise 5:13 Don scolds investors still avoiding value and international stocks 6:11 Chocolate aside, it's been a strong year for stocks and bonds 7:42 Promo: Why guessing isn't a retirement plan 7:51 Don recovers from a cough; Tom lists worst Q3 performers (lean hogs!) 9:13 Listener Chad argues for claiming Social Security early if you can earn 3% 11:08 Don crunches the math: break-even at age 81–82 if invested at 3% 12:57 Survivor benefits and why waiting helps your spouse 13:57 Don jokes about his wife stealing his life force and living to 112 14:54 Vaccine banter and intro to next caller 15:56 Caller Michael from Burien sells a condo, asks where to put $300k 19:07 Don and Tom suggest municipal bonds like VTEB for tax-free yield 20:20 Michael quotes a great retirement planning aphorism 20:29 Shift to ETF inflows and the downfall of mutual funds 29:13 Vanguard's tax-free conversion model and Dimensional's exemptive relief 30:49 What this shift means for investors with taxable accounts 31:17 Mutual funds may soon be the next buggy whips 32:22 Listener Connie asks: do you really get back Social Security withheld when working before FRA? 33:14 Tom and Don clarify: benefit adjusted later, but no “refund” 34:37 Caller Susan from Connecticut: what to do with $250k in cash 36:52 Don: You don't need more products—you need a real financial plan 39:17 Flat-fee plans and how to find a true fiduciary Learn more about your ad choices. Visit megaphone.fm/adchoices

Jerry's first update was a symphony of New York misery — from the Yankees' collapse to the Giants' and Jets' turnover festivals. Boone, Judge, and company sounded defeated, while the Giants and Jets coughed up the ball like it was contagious. Three teams, zero hope — and Philly up next on Thursday night.

On today's show, Kimberly is joined by Marketplace's very own Henry Epp to chat about his reporting on the “maturing” of the craft beer industry, and just who's sipping all those IPAs and sours. They'll also get into how the Trump administration is using the government shutdown to consolidate power. Plus, we'll play a round of Half Full/Half Empty!Here's everything we talked about today:“For years, craft beer was booming. Now, it's ‘maturing'” from Marketplace“Trump charts path to total control amid government shutdown” from Axios“AOL's dial up internet takes its last bow, marking the end of an era” from the Associated Press“Colleges turn to video essays to counter AI-written submissions” from Marketplace Tech“Robots are learning to make human babies. Twenty have already been born.” from The Washington Post“Buy it in ChatGPT: Instant Checkout and the Agentic Commerce Protocol” from OpenAI“The future of loyalty” from Business Insider

On today's episode, Andy & DJ discuss Trump's N-word joke falls flat as America's top generals laugh awkwardly at gag about firing them, Trump vowing border patrol agents will take no nonsense as feds march into downtown Chicago, and the grieving dad slamming lawmakers for crime policies that freed daughter's suspected career criminal killer.