Podcasts about hidden costs

‍A major highway project is pitched as a safety upgrade — but at what cost to the community? Today, Chuck is joined by Matt Steele, a fellow Brainerd-area resident and longtime Strong Towns member. They unpack a highway interchange that's been proposed in nearby Baxter and the long-term trade-offs that shape strong (or fragile) places. Additional Show Notes Read more about this project: "Six Roundabouts to Nowhere" by Charles Marohn Chuck Marohn (Substack)   This podcast is made possible by Strong Towns members. Click here to learn more about membership.

Most school owners aren't losing money because of one major expense.They're losing money in the quiet places—the small operational habits, the unspoken “just this once” purchases, and the daily micro-decisions no one sees.These are money leaks—and they drain profit, capacity, and emotional bandwidth far more than leaders realize.In this episode, Chanie shares a short but powerful clip from HQ member Nikki, who took the Money Leaks Diagnostic and used one simple rhythm—not an overhaul—to cut her supply costs by 50% in 90 days.But the deeper transformation is even more important:She stopped carrying the financial stress alone.Her team stepped into real ownership.Her assistant director found confidence she hadn't trusted in herself for years.And the entire school strengthened its financial gear.This episode is a reminder that financial health is deeply connected to culture, leadership, and operational rhythms—not just spreadsheets.If you want a school that runs with more clarity, less reactivity, and stronger team buy-in, this conversation will open your eyes to what's possible.What You'll Learn in This EpisodeWhy most schools lose money through leaks, not large expensesHow simple rhythms—not complex systems—create predictable financial stabilityThe connection between financial health and team cultureHow to establish a supply baseline that restores clarity and reduces wasteWhy teachers and support staff play a role in every single gear, including financialsHow ownership develops when leaders stop holding everything aloneThe emotional relief that comes from shifting financial responsibility from “me” to “we”Key Insights for School Leaders1. Money leaks are leadership problems, not budgeting problems. They're symptoms of unclear rhythms, inconsistent expectations, and leaders carrying operational details alone.2. Stability is built through small, predictable systems. Not dramatic overhauls—just rhythms your team can trust and repeat.3. Every team member influences your financial gear. When teachers understand usage, they naturally make different decisions.4. Ownership grows when leaders step back. Nikki's story shows how powerful it is when a leader stops rescuing and starts equipping.Memorable Quotes“Most leaders don't need more money. They need fewer leaks.”“You don't fix financial stress by working harder—you fix it by installing a rhythm that everyone can follow.”“Every person in your building is part of every gear. Financial health is a team sport.”“Relief doesn't come from overhauling your school. It comes from sharing the weight.”Why This Matters for Your SchoolA school with constant money leaks will always feel behind—financially, emotionally, and operationally. When you strengthen this gear:✓ Your team takes more ownership✓ Your spending becomes predictable✓ Your systems stabilize✓ Your culture strengthens✓ Your leadership becomes lighterThis isn't about cutting corners.It's about aligning your people, your systems, and your rhythms so your school can breathe again.Take the Next StepIf you want to identify your biggest leaks and begin plugging them immediately:Take the Money Leaks Diagnostic schoolsofexcellence.com/moneyleaksThis diagnostic will show you exactly where money is slipping through the cracks — and give you a clear starting point for strengthening your school's financial

Today, we will explore one of the most emotionally charged and misunderstood topics of our time: money. Not just how to make it, but how to build a healthy, grounded, and spiritually aligned relationship with it. You’ll hear raw insights from leaders like Scott Galloway, Jaspreet Singh, Codie Sanchez, and Lewis Howes, each offering a window into the habits, mindsets, and blind spots that keep us feeling financially stuck. From the shame many of us carry around saving to the ways our education system failed to prepare us, this episode reveals why so many people feel overwhelmed by finances and why that struggle is more normal and more solvable than we think. Scott Galloway explains why saving feels impossible today and why young people need discipline, forced systems, and a focus on building human capital. Jaspreet Singh breaks down the habits that keep people financially stuck, overspending, blind trust in the system, and not understanding how money works, and shares how he learned that real wealth comes from owning assets. Codie Sanchez simplifies the risk, reward equation, urges beginners to start with low-cost index funds, and reminds us that the highest-return investment is always in ourselves. Lewis Howes brings the spiritual side of money to life, showing how healing our relationship with money opens the door to abundance, gratitude, and new opportunities. In this episode, you'll learn: How to Build a Realistic Saving System How to Create Forced Savings That Actually Work How to Shift From Spending to Investing How to Break Free From the Poverty Mindset How to Build Wealth Through Equity, Not Salary How to Strengthen Your Relationship With Money You don’t need to have everything figured out to begin. You don’t need the perfect plan, perfect timing, or perfect background to build a healthier relationship with money. What matters is your willingness to learn, to question old patterns, and to try again even when things feel overwhelming. With Love and Gratitude, Jay Shetty. Join over 750,000 people to receive my most transformative wisdom directly in your inbox every single week with my free newsletter. Subscribe here. Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast What We Discuss: 00:00 Intro 00:55 Building a Framework for Realistic, Healthy Saving 06:19 Why Saving Feels Harder Than Ever 13:27 The Three Habits That Keep You in a Poverty Mindset 33:51 Why You Need Both Vision and Execution to Build Wealth 37:16 Why Investing in Yourself Comes First 41:07 Stocks and Bonds Explained Simply 43:52 Stepping Into the World of Private Investing 45:03 The #1 Shift That Can Transform Your Financial Future 48:36 Giving Yourself Permission to Explore Possibilities 54:53 How to Create a Respectful Relationship With Money 01:04:12 The Power of Living Beneath Your Means 01:06:54 The Hidden Costs of Chasing Easy Money See omnystudio.com/listener for privacy information.

Is your engineering team wasting budget and sacrificing latency by pre-computing data that most users never see? Chalk co-founder Elliot Marx joins Andrew Zigler to explain why the future of AI relies on real-time pipelines rather than traditional storage. They dive into solving compute challenges for major fintechs, the value of incrementalism, Elliot's thoughts on and why strong fundamental problem-solving skills still beat specific language expertise in the age of AI assistants.Join our AI Productivity roundtable: 2026 Benchmarks Insights*This episode was recorded live at the Engineering Leadership Conference.Follow the show:Subscribe to our Substack Follow us on LinkedInSubscribe to our YouTube ChannelLeave us a ReviewFollow the hosts:Follow AndrewFollow BenFollow DanFollow today's guest(s):Elliot Marx: LinkedIn Chalk: Website | Twitter/X | CareersOFFERS Start Free Trial: Get started with LinearB's AI productivity platform for free. Book a Demo: Learn how you can ship faster, improve DevEx, and lead with confidence in the AI era. LEARN ABOUT LINEARB AI Code Reviews: Automate reviews to catch bugs, security risks, and performance issues before they hit production. AI & Productivity Insights: Go beyond DORA with AI-powered recommendations and dashboards to measure and improve performance. AI-Powered Workflow Automations: Use AI-generated PR descriptions, smart routing, and other automations to reduce developer toil. MCP Server: Interact with your engineering data using natural language to build custom reports and get answers on the fly.

In this episode of the Prosperity Podcast, explore the risks of "playing it safe" in finance, health, and personal growth. Embrace challenges to spur growth! Discover the power of accountability with special insights into managing your cash flow effectively. Don't miss actionable tips on taking risks and the hidden costs of hesitation. Prosperity Thinkers is proud to be an affiliate of the transformative Gravy Stack movement, helping individuals around the world unlock their potential and achieve financial freedom. By providing resources, tools, and mentorship, we contribute to creating a culture of abundance, possibility, and growth. Please note, that as an affiliate, we may receive compensation for our efforts. Our collaboration, however, goes beyond financial arrangements; we truly believe in the power of the Gravy Stack movement to change lives and foster prosperity. Best-selling author Kim Butler and Spencer Shaw show you how to take more control of your finances. Tune in to The Prosperity Podcast to learn more about Prosperity Thinkers' thinking and strategies today! Do you have a question you would like answered on the show? Please send it to us at hello@prosperitythinkers.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://storage.googleapis.com/msgsndr/yBEuMuj6fSwGh7YB8K87/media/68e557c906b06d836d9effad.pdf  https://www.youtube.com/@KimDHButler   Show Notes Exploring the Hidden Costs of Playing It Safe The Dilemma of "Too Much Cash" Personal Growth Through Challenges Establishing Accountability for Personal Finance App + Accountability: The Best Financial Strategy Choosing the Right Accountability Partner Personal Story: Missed Bitcoin Opportunity Encouragement to Take Action Understanding the Concept of Time Preference   Special Listener Gift Free eBook: Activating Your Prosperity Guide.   Kim Butler's groundbreaking eBook/ audiobook explains why typical financial advice may be sabotaging your wealth... and what to do instead!    Review and Subscribe If you like what you hear please leave a review by clicking here   Subscribe on your favorite podcast player to get the latest episodes. iTunes RSS  

This episode of Dog Works Radio delves into the hidden costs and long-term responsibilities of puppy ownership, especially during the holiday season. It emphasizes that bringing a puppy home is not just a festive moment but a multi-year commitment that involves financial, emotional, and lifestyle adjustments.   The hosts discuss the various expenses associated with puppy care, the time commitment required for training and supervision, and the emotional responsibilities that come with raising a dog. They stress the importance of being prepared for the realities of dog ownership to ensure a fulfilling relationship between families and their pets.   Takeaways A puppy is a multi-year financial and lifestyle commitment. The initial cost of a puppy is just the beginning. Training is essential for a well-balanced adult dog. Puppies require constant supervision and structured interaction. Emotional commitment is as essential as financial commitment. Puppies go through various developmental stages that need guidance. A dog should be considered a member of the household. Choosing the right time for a puppy is crucial for success. Families should prepare for the long-term responsibilities of dog ownership. Support and training can help prevent overwhelming situations for new owners.

In this episode, you'll discover the hidden costs of running an interior design business, the quiet money leaks, emotional spending habits, and overlooked subscriptions that slowly chip away at your profit. Instead of tightening everything to the point of restriction, we walk through how to make more intentional, aligned investments so your business feels lighter, more transparent, and far more sustainable. If you've been wondering where your profit is going, or why your business feels more expensive than it should, this episode shows you exactly where to look and how to take back control. In this episode, you'll hear: (02:18) Why "looking the part" doesn't require overspending (05:40) How to audit your wardrobe, branding, and personal presentation with intention (10:12) The silent profit leaks hiding in your tech stack and tools (14:55) When memberships and associations help, and when they're just noise (19:43) The difference between appearances and aligned investment If you're ready to understand the true story your numbers are telling, and build a business that supports your life, book your confidential Design Business Assessment at melissagalt.com/DBA or DM me "DBA" and I'll send the link. You've got this: I've got you always! Connect with Melissa Website Instagram  

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  A deep dive into Trump's latest tariff messaging, the Supreme Court signals he may be bracing for, and the eyebrow-raising behavior of Commerce Secretary Howard Lutnick's former firm betting against the very tariffs he champions. Plus—how toy makers, from major brands to small U.S. designers, are getting crushed by the reality of 30–145% duties and a labor market that makes reshoring fantasy. It's a whirlwind of politics, economics, and holiday-season chaos.

Skipping your annual HVAC checkup can trigger a cascade of hidden costs - from voided warranties to emergency repairs. We look at what really happens when preventive care gets pushed aside and why that investment might save you thousands. Read more at https://engleservicesheatingandair.com/ Engle Services City: Sylacauga Address: 40300 U.S. 280 Website: https://engleservicesheatingandair.com/

Everyone online makes entrepreneurship look like the ultimate path to freedom—but the truth is far more complicated. After 18 years of building SeedTime, Bob & Linda open up about what most people never say out loud: the failures, the mental load, the pivots, the spiritual battle, and why starting a business isn't automatically God's will for everyone. If you're dreaming of quitting your job… or you already have a business and feel the weight of it… this honest, hope-filled conversation will help you discern your next step with wisdom, peace, and biblical grounding. What We Cover Why 95% of their entrepreneurial attempts failed (and why that's normal) The truth behind "being your own boss" (spoiler: you still have bosses) The 87% mental-health struggle rate among founders How social media romanticizes entrepreneurship—and how Christians should see it differently When hating your job doesn't mean God is calling you to start a business What Scripture actually teaches about work, calling, and servanthood How prayer sustained SeedTime (including years of praying daily over the book) Why purpose—not profit—is the only sustainable fuel for entrepreneurs The friend who lost everything building a business… only to discover God's better plan in a "regular job" The role of humility, long checklists, and constant pivots in real-life entrepreneurship   Scripture Mentioned (NLT) Colossians 3:23 — Work willingly as though working for the Lord. Mark 10:44 — "Whoever wants to be first must be the servant of all."   Who This Episode Is For ✓ The employee dreaming of quitting a job they hate ✓ The entrepreneur who feels tired, discouraged, or unseen ✓ The Christian wrestling with calling, purpose, or career direction ✓ Anyone wondering, "Is entrepreneurship really for me?"     Share This Episode Know someone wrestling with career decisions or dreaming about starting a business? Send this their way—they'll thank you later. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Most people assume you need $20 million, a bank charter, a building, employees, and 10 years before a bank ever makes a profit.  But Nelson Nash reveals a far simpler way to create your own banking system, one that's been quietly working for over 200 years.

From layoffs to mental health crises, we are starting to get a clearer picture of the horrible impacts AI is having on all of us, and in this episode we continue to ask what the government and our society is going to do about it. Content Warning: this episode does discuss a few recent cases of suicide related AI chatbots, so skip ahead to 25:16 to avoid those topics. Join the discussion on Reddit: https://www.reddit.com/r/AcceptanceCriteria/ And on the Discord: https://discord.gg/2Tyj8H9MFF The post E062: AI's horrific hidden costs are slowly being revealed first appeared on Acceptance Criteria.

It's one of the toughest financial moments you'll ever face: someone you care about needs help, and you feel torn between wanting to support them and protecting your own financial future. In this episode, we talk openly about the emotional pressure of lending money to friends and family, and the real consequences most people don't think about until it's too late. You'll hear a balanced look at boundaries, alternatives, and healthy ways to navigate these situations without damaging relationships or your retirement plans. Here's some of what we discuss in this episode:

Scary skinny is back, and the ultra skinny look is hitting women and girls harder than ever. This episode takes a real look at why rapid, dramatic weight loss is being celebrated again, how celebrity culture and GLP1 drugs are fueling it, and what is really happening behind the filters. From hair loss and hormone crashes to influencer hypocrisy and hidden health fallout, this is an honest conversation about the new wellness lie. Listeners will walk away with clarity, context, and practical ways to protect themselves and their daughters from the pressure to keep getting smaller.  

Most filmmakers think development is just “writing the script.” In reality, it's the quiet money pit no one warns you about — from lawyer fees and talent outreach to pitch deck design, travel to festivals, industry events, budgeting specialists, and even the technological tools required. In this episode, I break down the real hidden costs of getting a project off the ground, why budgeting for development is essential, and how creators can avoid getting blindsided. Whether you're building an indie or studio film, this is the episode that reveals what development actually takes behind the scenes.

In this episode of Let's Combinate: Drugs + Devices, host Subhi Saadeh speaks with Steven O'Rourke, regulatory strategist and founder of Clarifi, a consultancy helping MedTech, biotech, and novel food startups navigate EU and US regulatory pathways.They discuss:- The hidden costs of regulatory failure and how to avoid them- Why early engagement with regulatory agencies is critical- Global regulatory models, including emerging markets like China and the UAE- A clear explanation of UDI and serialization- How regulatory impacts extend beyond compliance teams- The role of LinkedIn and storytelling in regulatory careers- Steven's experience running for the European Parliament and what it taught him about policyTimestamps00:00 – Introduction and Guest Welcome00:38 – The Hidden Costs of Regulatory Failure03:47 – Engaging with Regulators Early05:26 – Global Regulatory Models and Emerging Markets10:07 – Understanding UDI and Serialization15:16 – The Power of LinkedIn and Personal Stories17:11 – Running for European Parliament and Policy Insights21:18 – Conclusion and Contact InformationConnect with Steven O'RourkeWebsite: https://clarifi.fiLinkedIn: https://linkedin.com/in/sorourkdeSubscribe to Let's Combinate for more conversations exploring combination product development, quality systems, and regulatory strategy.Stephen O'Rourke is a regulatory strategist and founder of Clarifi, a consultancy helping MedTech, biotech, and novel food startups navigate EU and US regulatory pathways. Based in Helsinki, Finland, his work spans UDI, 510(k), EU MDR, combination products, and novel ingredient safety.Subhi Saadeh is a Quality Professional and host of Let's Combinate. With a background in Quality, Manufacturing Operations and R&D he's worked in Large Medical Device/Pharma organizations to support the development and launch of Hardware Devices, Disposable Devices, and Combination Products for Vaccines, Generics, and Biologics. Subhi serves currently as the International Committee Chair for the Combination Products Coalition(CPC) and as a member of ASTM Committee E55 and also served as a committee member on AAMI's Combination Products Committee.For questions, inquiries or suggestions please reach out at letscombinate.com or on the show's LinkedIn Page.

On this episode of the Adult Autism:  A Spectrum of Uniqueness podcast Dr. Quarto reviews the results of an informal survey in which autistic adults were asked to specify what prevents them from taking off their “mask” as an autistic person.  Listen now and take one step closer to understanding your authentic self. And if this episode speaks to you, check out Dr. Quarto's upcoming online course: Unmasked: Living Authentically as an Autistic Adult. The Adult Autism:  A Spectrum of Uniqueness podcast series is hosted by Christopher Quarto - a licensed psychologist who conducts Autism Spectrum Disorder (ASD) evaluations for adults (https://chrisquarto.com).  Issues pertaining to mildly autistic adults (and neurodiverse folks who believe they are on the spectrum) are covered on the podcast including sensory sensitivities, how to make friends, regulating emotions and the role pets play as friends.  Listen and discover why your uniqueness is awesome! Would you like to watch a video version of this podcast episode?  Check out the Adult Autism:  A Spectrum of Uniqueness YouTube channel:  https://www.youtube.com/playlist?list=PL4IPUmICA-ZlIERsJk3pHyqkSyPKMht9X * Are you interested in taking the online course for autistic adults that Dr. Quarto mentioned during the podcast episode?  It's getting closer to being done!!  The title of the course is “Unmasked: Living Authentically as an Autistic Adult” and while it's designed for newly diagnosed autistic folks (i.e., diagnosed within the past few years) any autistic person will benefit from the content and experiences. Shoot Dr. Quarto an e-mail to be placed on a waiting list to be notified about the course when it is done which will likely be in fall 2025 or early winter 2026: chris@chrisquarto.com * Are you thinking that you might be autistic but have never been professionally evaluated?  How about taking a 6-question quiz designed by Dr. Quarto to find out if autism is likely:  “Am I Autistic?” quiz link - https://quiz.tryinteract.com/#/64db4bb606278800141be2fd * Are you interested in getting evaluated for autism? Dr. Quarto conducts in-person and telehealth evaluations with clients in most states across the United States! Click here to get the ball rolling: https://chrisquarto.com/autism-spectrum-disorder-testing/    

You may be tempted to stretch your budget to get a larger boat or more features. But wait. Have you considered the hidden costs you may pay when buying a boat? Summary When a friend started looking for a slightly larger boat, I began thinking about the hidden costs he'd have to pay. He found a larger catamaran that would cost around $300,000. Sure, it would be a stretch, but they thought it was possible--before they considered the extras. So what are these extras? And will they affect you? First, there is sales tax. It varies from state to state (or even by county). If he bought where we are, that would be 7.5%, or $22,500. Even though Florida caps sales tax at $18,000, that's still a big check to write. And what about insurance? Hull coverage is a percentage of the boat's value, and you must pay it every year. Of course, when buying a boat, you'll want to have a professional survey. Combined with the costs of hauling out, you're talking about thousands of dollars. That's for the basics. If you add in engine and rigging survey or oil analysis, you're looking at even more. If the survey reveals issues or you simply want to upgrade to make the boat fit you better, that's even more money--before even leaving the dock.   If you buy a larger boat, haulouts and marina stays will cost more over the life of the boat. And expect to pay 5 to 10% of the boat's value on maintenance every year. My friend did the review and realized that while they could probably afford the purchase, the ongoing costs would significantly affect their cruising plans. Don't get discouraged. Just look carefully at all the costs before you buy a boat. It's part of the delicate balancing act most cruisers make between money and satisfaction. For more details, listen to the complete podcast or read The Hidden Costs When Buying a Boat. Subscribe to the Boat Galley Newsletter! - https://theboatgalley.com/newsletter-signup-2 Links:  Free Boat Buyer's Checklist - https://theboatgalley.com/documents-for-boat-buyers-owners/ Today's episode of The Boat Galley Podcast is sponsored by Lunatec, makers of the hydration spray bottle, odor-free dishcloth and self-cleaning washcloth. Lunatec offers practical gear designed to save water and reduce waste. A water bottle that doubles as a garden hose? A dish cloth that doesn't get stinky? Yes, please! Visit Lunatecgear.com to learn more; use code boatgalley to save 10% on everything. Lunatec: innovative gear for your outdoor adventures. Click to see all podcast sponsors, past and present. - https://bit.ly/3idXto7 Music: "Slow Down" by Yvette Craig  

In this episode, we break down new internal research, lawsuits, and global policy moves that reveal how short-form social media is reshaping our attention, sleep, and mental health for both kids and adults. In this episode, we also talk about practical guardrails—from boredom on purpose and one-week detoxes to dumb phones and landlines—that help you reclaim your focus and protect your family from algorithm-driven feeds and explicit content. Get the top 40+ AI Models for $20 at AI Box: ⁠⁠https://aibox.aiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

e-flux journal Associate Editor Andreas Petrossiants talks to author Andrew Ross about his recent book, The Weather Report: A Journey Through Unsettled Climates. Between the summers of 2023 and 2024, Andrew Ross visited Ramallah (Palestine), Dubai (UAE), Phoenix (USA), and Shanghai (China)—some of the landscapes most disturbed by human activity, whether through active warfare or massive development projects. Rather than offering another eco-polemic or recalling for us the dread prognostications of Malthus in the 19th century or Ehrlich in the 20th, The Weather Report is a clear-eyed and essentially optimistic book that proposes a pragmatic, just, and urgent new common ground reestablishing scalable projects of mutual aid and care as a new, essential center for our economic, ecological, and social well-being.  Andrew Ross is a social activist and Professor of Social and Cultural Analysis at NYU. A contributor to The Guardian, The New York Times, The Nation, Artforum, Jacobin, New York Review of Books, and Al Jazeera, he is the author or editor of almost 30 books and hundreds of articles on a wide variety of topics—labor and work, urbanism, politics, technology, environmental justice, alternative economics, music, film, TV, art, architecture, and poetry. His articles have appeared in newspapers and magazines as well as in academic and public interest journals, and his books are published by mainstream trade, academic, and independent presses. He has lectured at hundreds of universities and cultural institutions in North America, Europe, Asia, Latin America, the Middle East, and Australia. Politically active in many movement fields, he is the co-founder of several groups–Gulf Labor Artists Coalition, Global Ultra Luxury Faction, Coalition for Fair Labor, Occupy Student Debt Campaign, Strike Debt, the Debt Collective, and Decolonize This Place—and is an organizer with others, including the American Association of University Professors and the US Academic and Cultural Boycott of Israel. He also serves on the steering committee of the national network of Faculty and Staff for Justice in Palestine. Ross's books include The Weather Report; A Journey Through Unsettled Climates, Abolition Labor: The Fight to End Prison Slavery, Cars and Jails: Freedom Dreams, Debt, and Carcerality, Sunbelt Blues: The Failure of American Housing, Stone Men: The Palestinians Who Built Israel (winner of a Palestine Book Award), Creditocracy and the Case for Debt Refusal, Bird On Fire: Lessons from the World's Least Sustainable City, Nice Work If You Can Get It: Life and Labor in Precarious Times, Fast Boat to China: Corporate Flight and the Consequences of Free Trade–Lessons from Shanghai, Low Pay, High Profile: The Global Push for Fair Labor, No-Collar: The Humane Workplace and its Hidden Costs, The Celebration Chronicles: Life, Liberty, and The Pursuit of Property Value in Disney's New Town, Real Love: In Pursuit of Cultural Justice, The Chicago Gangster Theory of Life: Nature's Debt to Society, Strange Weather: Culture, Science and Technology in the Age of Limits, and No Respect: Intellectuals and Popular Culture.

Your AI tools aren't failing because the technology is bad — they're failing because your organisation wasn't ready. The real issue isn't the model. It's the mismatch between how machines operate and how humans work. And the result? Millions sunk into tools that don't get used, don't earn trust, or quietly increase complexity instead of reducing it.In this conversation with David Swanagon, founder of the Machine Leadership Journal, we unpack a three-dimensional model that finally explains what's going wrong. We explore why traditional leadership traits don't map to AI innovation, why your CHRO needs a seat at the AI strategy table, and how the real challenge of AI is cultural, not technical. If you've been treating AI adoption like a tech rollout, it's time to rethink — fast.Related Links:Join the People Managing People community forumSubscribe to the newsletter to get our latest articles and podcastsConnect with David on LinkedInCheck out Machine LeadershipSupport the show

 Nonprofits often view training as a cost. I've heard it, and I'm sure you've heard it as well. However, it's actually an investment in the very thing that moves your mission forward: your people.That's why, in this episode, I'm sitting down with Nancy Bacon to debunk the idea that training is a cost and highlight all the value it brings when done right. She is a teacher, instructional designer, and learning strategist who has worked in the nonprofit sector for over 25 years.This episode is a game-changer for nonprofit leaders who are struggling with the decision to invest in training, and for nonprofit L&D pros who are struggling to frame up the value of what they do to secure the partners and funding they need.▶️ Training Isn't a Cost: Here's How Nonprofits Actually Save Money Through Learning and Development with Nancy Bacon ▶️ Key Points:0:00:00 How Nancy became a nonprofit learning strategist 0:06:05 Cost vs. investment: the ROI of training0:11:02 Hidden costs of  not investing in L&D0:16:48 Effectively communicate the real value of training21:31 The need to shift our mindset from scarcity to abundanceResources from this episode:Check out Mark Nilles and Nancy Bacon's ebook  Conferences That Make a Difference.Catch up with Episode 156 of Learning For Good, where I talk about the cost of training.Join the Nonprofit Learning and Development Collective: https://www.skillmastersmarket.com/nonprofit-learning-and-development-collectiveIf you're a nonprofit leader who's ready to invest in your people, complete our consulting application form.Was this episode helpful? If you're listening on Apple Podcasts or Spotify, follow and leave a review!

Have you ever wondered why success, health, or happiness always feel just out of reach—no matter how hard you try? Why you keep repeating patterns of over-giving, frustration, and disappointment in your relationships? Or why emotional wounds eventually show up on your face or even in your physical health?In this powerful session, Dr. David Snyder uncovers the hidden emotional blocks, unprocessed grief, and subconscious patterns that keep people stuck. He reveals how the lines and features on your face can reflect energy levels, trauma, emotional repression, and even predispositions to chronic illness. Listeners will learn why knowledge alone—certifications, trainings, endless learning—never leads to true transformation without hands-on practice and real emotional work.Key insights include:How facial markers reveal patterns of stress, over-giving, unresolved grief, and fear.Why “over-nurturing lines” and “bitterness lines” show up when emotional frustration goes unaddressed.How suppressed emotions impact both appearance and long-term physical health.This episode invites you to reflect deeply:What unresolved emotions are you still carrying? What is your face quietly revealing about your journey? And what could your life become if you finally addressed the patterns holding you back?If you're ready to rewrite your story and break free from the cycles that limit your happiness, explore the tools and trainings shared in this session—and begin your transformation today.Quotes:"Bitterness lines are a problem—by themselves, they indicate emotional toxicity, but when you add disappointment and over-nurturing, you have a recipe for chronic illness.""Face reading can give us a glimpse into where the problem areas are and how to fix them before they become a deeper problem.""If you're suppressing emotions or rushing through grief, you may not realize just how much it affects your physical well-being."Actionable Takeaways:Examine your own face in the mirror and look for subtle lines—above the lip, on the chin, or between the eyes—that might signal patterns of over-giving, disappointment, bitterness, or repressed emotion. Journal your observations and see what personal stories or memories come up.Ask yourself: Which emotional issues or past traumas might I still be carrying, unprocessed? How might this be manifesting as physical symptoms or recurring life patterns?Challenge your current approach to learning and self-improvement: Are you just chasing more certificates, or are you truly mastering the skills through hands-on practice and real-world application?Episode Timeline:00:26 — The Stories Your Face TellsHow your philtrum shape and facial lines reveal your energy, resilience, and lifelong health patterns.10:15 — The Hidden Costs of Over-GivingWhat “over-nurturing” lines above your lip expose about frustration and giving more than you receive.11:29 — Emotional Health, Written on Your FaceProfiling trauma, internal health, and unhealed wounds—all visible if you know where to look.15:29 — Are You Really Learning?Why certificates don't always mean competence, and the critical difference hands-on practice makes.25:18 — Repression and the BodyDiscover how unprocessed grief and fear show up as lines on your chin—and what to do about it.33:17 — Impatience Etched InWhat lines between your eyes say about waiting, frustration, and learning to grow.35:04 — Self-Sabotage & Achievement BlocksThe “suspended needle” line, anger, and why success sometimes stops just short.38:49 — Emotional Baggage Becomes PhysicalHow stagnant feelings lead to chronic illness—and what your body is trying to tell you.Links:To learn more about Dr. David Snyder and everything about NLP, visit:Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nlppower.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@DavidSnyderNLP⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/davidsnydernlp⁠

You probably know what you should plan to spend on housing and groceries in retirement. And you've been dreaming to finally book that luxury vacation or close on that lake house in retirement. But are you ready for all the unplanned costs in retirement? 

Amazon's return policy has become a huge factor to consider especially when developing products for the new year. Dave shares 5 tips for e-commerce sellers to reduce returns and to restore some bottom line back into their business. Today's episode is sponsored by Sellerboard. Sellerboard helps users track sales, refunds and fees in real time, and even counts your indirect expenses in final profit. Beyond analytics, Sellerboard also streamlines operations with smart portfolios for PPC, inventory forecasting & management and more! Try Sellerboard free for 2 months — no credit card required. Just go to sellerboard.com/ecomcrew and get clarity on your margins today. Ever wonder how Chinese Sellers dominate Amazon? We'll spill all their secrets in our webinar that's happening on November 25th, 2025 at 10am PST. We'll show you how to find products that can actually be profitable, how to land them cheaply, and how to rank them easily no Amazon.  Timestamps 00:00 - Understanding Amazon's Return Policy 02:51 - The Hidden Costs of Returns 06:01 - Strategies to Reduce Returns 08:49 - Managing Return Merchandise Effectively 12:05 - Improving Product Presentation to Minimize Returns 14:56 - Customer Engagement to Reduce Returns 17:50 - Evaluating Product Viability and Return Rates As always, if you have any questions or anything that you need help with, leave a comment down below if you're interested. Don't forget to leave us a review on iTunes if you enjoy our content. Thanks for listening! Until next time, happy selling!

Points of Interest00:01 – 02:30 – Introduction: Marcel and Kristen introduce the episode's focus on productized services versus custom work and set the expectation for a nuanced, non-dogmatic discussion for agencies.02:31 – 07:25 – Defining Productized Services & Common Misconceptions: Marcel defines productization as selling a clear outcome for a fixed price, explains that backend processes do not need to be identical every time, and debunks the idea that productized services must be rigid or factory-like.07:26 – 11:31 – Benefits of Productized Services for Sales and Operations: The hosts outline how productized services can shorten sales cycles, simplify proposals and contracts, standardize onboarding and delivery, and support more scalable, profitable operations when paired with strong process and pricing.11:32 – 15:43 – Hidden Costs and Rigidity of Productization: Marcel explains how process investments create product and operational debt that are expensive to maintain and slow to change, highlighting the risk of misfit productized offers in complex or iterative work like web and software development.15:44 – 19:00 – Pricing Model Quadrant and Scope–Contract Alignment: The conversation explores the value–risk pricing quadrant and shows how flat-fee or fixed-scope productized offers can clash with agile, fluid scopes when every backlog change forces contract renegotiation and erodes margin.19:01 – 22:33 – Abstracted Time & Materials as a “Productized” Offer: Marcel introduces abstracted time and materials models such as leasing a cross-functional team per sprint, arguing that agencies can sell clear “products” without fixed deliverables while using pricing structures that better share risk with clients.22:34 – 27:10 – Strategic Upsides of Custom Work for Complex Problems: The hosts outline how custom work suits complex, high-value, or enterprise-level problems, enables larger deal sizes and higher absolute profit, and lets agencies operate in less crowded, harder-to-solve problem spaces.27:11 – 29:40 – Staffing Strategy for Custom Agencies: Marcel describes a staffing model built around a small core of senior experts and a flexible bench of freelancers or contractors, enabling agencies to absorb project volume swings without constant hiring and layoffs.29:41 – 33:44 – Pricing, Delivery Margin, and Contractor Economics: The discussion dives into calculating delivery margin targets for internal staff versus contractors, marking up units of time appropriately, and deciding when to treat outside experts as pass-through costs while still protecting project profitability.35:07 – 37:48 – Debunking the Myth That Custom Work Cannot Scale: Marcel challenges the claim that custom work is inherently unscalable or unprofitable by pointing to large professional services firms, while acknowledging the real challenges around utilization, staffing, and pricing on time and materials.37:49 – 42:32 – Market Context, Price Ceilings, and Competitive Pressure: The hosts explain how custom approaches can price agencies out of mid-market segments where clients do not value extensive process, and emphasize matching the business model to what the market needs and is willing to pay for.42:33 – 48:53 – Choosing the Right Model and Recommended Resources: The episode closes with a call to map services against value and risk, design pricing and delivery models accordingly, avoid chasing productization as a silver bullet, and check out suggested experts and resources on productized services and pricing.Show NotesPricing Model QuadrantChris DuboisAnthony GindinBrian KessmanGreg Hickman Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is Airbnb still worth it? In this episode, Tim shares why he took one of his short-term rentals offline—revealing the real earnings, tenant conflicts, and whether switching to a long-term tenant paid off. If you're facing STR fatigue or weighing your rental options, this candid story may change your strategy. • Why a small studio in Memphis seemed like the perfect STR… until it wasn't • The hidden management headaches of mixing short- and long-term tenants • How STR market saturation quietly crushed revenue expectations • Why a midterm rental wasn't the right solution this time • What Tim would do differently—and the one thing he doesn't regret This episode proves that short-term rentals aren't always the easy win. Understanding market shifts, guest expectations, and management challenges is critical. If you're thinking of making a similar move, weigh the numbers carefully. Don't forget to subscribe, share this episode, and check out the resources below for more support. Resource Links: Download the Growth Handbook: https://strriches.com/growth-blueprint/  Check out our videos on YouTube: https://www.youtube.com/@ShortTermRentalRiches Grab your free management eBook: https://strriches.com/#tools-resources Looking to earn more with your property (without the headaches)? Chat with our expert management team: https://strriches.com/management-services/

A new Solitaire Bliss report reveals that 95% of managers monitor employees, but this growing trend may be damaging workplace trust and culture. Learn how constant surveillance increases burnout, reduces retention, and what leaders can do to rebuild psychological safety and transparency. Discover leadership strategies from the Breakfast Leadership Network to shift from control to trust-driven performance. Article:  https://www.breakfastleadership.com/blog/how-employee-monitoring-is-reshaping-workplace-culture-and-what-leaders-must-do-differently Join our Workplace Culture Community:  https://Community.BreakfastLeadership.com Connect regarding healthcare savings  

In this episode of the Tudor Dixon Podcast, Tudor & Kyle Olson explore how artificial intelligence is reshaping everyday life—from the rise of AI-generated music to the rapid expansion of data centers across America. They break down the growing environmental concerns surrounding AI’s energy demands, water use, and community impact, while also examining how technology may be changing the way people form relationships in an increasingly digital world. The conversation also digs into the media’s influence on public perception of AI and the risks of relying on tech-driven narratives for information. The Tudor Dixon Podcast is part of the Clay Travis & Buck Sexton Podcast Network. For more visit TudorDixonPodcast.comSee omnystudio.com/listener for privacy information.

Our expert this morning Margaret Barrett of Mortgage Navigators who took a look at the hidden costs of buying a home and answers listener's mortgage questions.

Buying a home is exciting — but it also comes with financial responsibilities most new homeowners never hear about. In this episode, Rob breaks down the real costs of owning a home and teaches you how to prepare, budget, and protect yourself from surprise expenses. You'll learn: The hidden costs buyers underestimate How to budget for repairs, maintenance, and emergencies When property taxes and insurance can climb fast Investor-style planning that reduces stress How to build a Home Fund that protects your peace of mind Real stories of homeowners who were prepared — and those who weren't If you want to buy a home confidently (or keep the one you have without financial stress), this episode is a must-listen.

Cody Wiseman  - Wiseman Capital On the Caring for Your Investments: "I don't want to be driving by that in 15 years and seeing it's a dump." Investing in real estate has many benefits, but not all investors are created equal. Cody Wiseman started investing in real estate a few years ago.  Through his hard work and care he has built a portfolio, which is great.  the exciting thing is that he gets compliments from his tenants and neighbors for the work that he has done to the properties, to lift the neighborhoods to be nicer places to live.  Without necessarily raising rents.  Affordable luxury, is what he calls it. From the challenges of his very first property renovation, to the ambitious transformation of a rundown motel into affordable luxury apartments, Cody Wiseman shares the behind-the-scenes realities of real estate: sleepless nights, hard-earned lessons, and the creative hustle required to make deals work. Listeners will get an insider's look at how Cody Wiseman partners with local investors, the value of authentic networking—like the Madison Multifamily Meetup that he's grown into the Midwest's largest—and why hands-on leadership and a passionate team matter. Listen as Cody explains his philosophies on real estate investing and how you can apply them to your real estate investments as well. Enjoy! Visit Cody at: https://www.codywiseman.com/ https://Wisemancapitalgroup.com On Instagram: https://www.instagram.com/codyewiseman/   Podcast Overview: 00:00 Wiseman Capital: Local Real Estate Partner 03:30 Real Estate Investment Journey 09:09 Getting Started in Real Estate 10:55 Multifamily Real Estate Networking Event 13:39 "Learning Multifamily & Passive Investing" 18:21 Delegating While Staying Hands-On 22:16 "Journey to Affordable Housing" 23:54 Personal Standards in Property Development 26:37 Community Impact and Urban Transformation 31:08 "Hidden Costs of Rent Explained" 35:00 Property Agreement Protects Long-Term Value 38:49 "Delays, Costs, and Waivers" 40:58 "Proving Creative, Affordable Housing" 45:56 Hardee's Worker Brings Joy 46:48 "Emily Sets Event's Tone" 50:19 "Authenticity in Business Partnerships" 52:49 Navigating Challenges with Confidence Podcast Transcription: Cody Wiseman [00:00:00]: Average rents in Madison, you know, 15, 1600 bucks. Our average rent is a little over a thousand bucks. James [00:00:04]: Wow. Cody Wiseman [00:00:05]: Brand new. I market it as affordable luxury. So people are like, what, what is that? How do you do? Well, let me tell you, we have all of the amenities that you're going to have with a brand new class a ground up deal in downtown Madison. Pool, pool, fitness co working areas, bike parking and storage, dog park, dog wash. James [00:00:30]: You have found authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Today we're welcoming slash, preparing to learn from Cody Wiseman of Wiseman Capital Group. So Cody, how's it going today? Cody Wiseman [00:00:45]: Excellent. Thank you so much James for having me. I'm excited to be here. It's a beautiful studio you have and so close to home. James [00:00:51]: Indeed. So nice. Tell me a story. What is Wiseman Capital Group? Cody Wiseman [00:00:55]: Yeah, so Wiseman Capital, I founded this company back in 2022 and so we're a real estate investing firm really focused in the greater Madison area, multifamily specific. So at the end of the day what it is is we partner with everyday people to invest in real estate together. So that's, that's the beautiful thing about it is a lot of times people are, hey, how do I invest in this building that I see getting put up in Madison or these apartment buildings? They think it's just a big investment firm or something like that. But Wiseman Capital is partnering just with everyday people, a lot of local Madison people,

Still quoting $75 for voiceover gigs? Stop selling yourself short and discover your true worth! In this video, I break down exactly how much new voice actors should charge, why "exposure” rates are career poison, and the real reasons trained beginners deserve professional pay. Learn how to price with confidence, avoid common traps, and use proven scripts to handle tough client negotiations, plus strategies for finding high-paying clients and raising your rates without apology.FREE RESOURCE: The 5 Hidden Costs of Low Rates Worksheet™ https://welcome.vopro.pro/hidden-costs-worksheet50% off with code NEWPRO50:VO Rates 101™: https://training.vopro.pro/vorates101/ClientConnect+™: https://training.vopro.pro/clientconnect/#voiceover #voiceacting #voiceoverbusiness #VOPro #voiceoverpricing #vocoaching #newvoiceactor #voiceoverrates #freelancevoiceoverLinks: (When possible, I use affiliate links and may earn a commission. See disclosure below.)▶️ Subscribe: https://vopro.pro/youtube

When you think of building an art practice, your mind might go to all of your favorite artists. You think of their social media feeds and the gallery shows they promote. You dream about having one of their pieces in your home some day… and maybe you can. Because they SELL their work.But building an art practice is not the same as building an art business. And while the benefits of an art business are many… we don't talk enough about the costs. Because if you do decide to sell your work, there ARE costs. Let's explore the physical, time, and physiological costs to selling your work. And then armed with this knowledge, you can make a more intentional decision about whether selling now, selling later, or selling never is right for you and your goals learning to paint.---Each week, discover 3 ideas you can put to work in your next painting. Sign up for free here: www.learntopaintpodcast.com/newsletterSupport the show

Rejecting Overachievement: Embrace the Low-Pressure Success MethodSUMMARYIn this episode, John reflects on the pervasive culture of overachievement and hustle culture, discussing its detrimental effects on personal well-being and productivity. He shares his experiences and insights from coaching individuals who have faced burnout and highlights how this toxic mindset can lead to long-term damage. John advocates for a sustainable approach to success through the 'low-pressure success method,' emphasising consistency, patience, and maintaining one's health and relationships. He also encourages listeners to redefine success by focusing on presence over performance and taking deliberate, manageable steps toward their goals.CHAPTERS00:00 The Overachiever Myth00:32 The Evolution of Hustle Culture01:25 The Hidden Costs of Burnout02:42 Redefining Success05:21 The Low-Pressure Success Method07:27 Final Thoughts and ResourcesVisit presentinfluence.com/quiz to take the Speaker Radiance Quiz and discover your Charisma Quotient. For speaking enquiries or to connect with me, you can email john@presentinfluence.com or find me on LinkedInYou can find all our clips, episodes and more on the Present Influence YouTube channel: https://www.youtube.com/@PresentInfluenceThanks for listening, and please give the show a 5* review if you enjoyed it.

In this episode, I sit down with psychiatrist and physician-wellness advocate Dr. Dimitrios Tsatiris to unpack why the traits medicine rewards—achievement, perfectionism, and altruism—can quietly fuel suffering. We talk about diminishing returns, moral injury, and the difference between excellence and perfection. We explore practical ways to honor limits, take real vacations, and build cultures of collaboration instead of martyrdom. If you've ever felt “too needed to rest,” this conversation is for you.Connect with Dimitrios: Website: https://dimitriostsatiris.com/IG: https://www.instagram.com/drdimitriosLearn more about Hippocratic Collective: https://hippocraticcollective.org/Connect on Instagram: https://www.instagram.com/joanchanmd

The fastest way to lose your financial footing is to chase someone else's life. We pull back the curtain on financial FOMO—why comparison warps judgment, how hype hides risk, and what it really costs to keep up with curated feeds, trendy purchases, and hot stock tips. Drawing on hard-won lessons from private banking, we unpack the “big hat, no cattle” problem: high incomes paired with high debts and very little true wealth. The images look impressive; the balance sheets tell another story.From retirees eyeing RVs they won't use to investors tempted by message-board momentum, we explore how to spot lifestyle mismatches and promotional noise before they drain your energy and your cash. You'll learn simple, durable guardrails: ask basic questions about profits and customers, set a written investment policy, and resist becoming exit liquidity for someone else's hype. More importantly, we show how to replace the anxiety of missing out with the joy of missing out—protecting the people, routines, and small luxuries that actually make your days better.This conversation is a practical guide to designing a values-first budget. Start by naming what you love—golf, fishing, tennis, Mahjong, community theater, unhurried dinners—and protect that spending. Then prune the rest: unused subscriptions, status upgrades, and impulse buys that don't serve your life. Peace of mind follows when your plan funds what matters, your emergency buffer is real, and your calendar still has room for date night. The win is not the flash; it's the freedom. If that resonates, hit follow, share this with a friend who needs it, and leave a quick review to help more listeners trade FOMO for contentment. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

⬥GUEST⬥Andrew Morgan, Chief Information Security Officer | On LinkedIn: https://www.linkedin.com/in/andrewmorgancism/⬥HOST⬥Host: Sean Martin, Co-Founder at ITSPmagazine and Host of Redefining CyberSecurity Podcast | On LinkedIn: https://www.linkedin.com/in/imsmartin/ | Website: https://www.seanmartin.com⬥EPISODE NOTES⬥The cybersecurity community has long recognized an uncomfortable truth: the gap between well-resourced enterprises and underfunded organizations keeps widening. This divide isn't just about money; it's about survivability. When a small business, school, or healthcare provider is hit with a major breach, the likelihood of permanent closure is exponentially higher than for a large enterprise.As host of the Redefining CyberSecurity Podcast, I've seen this imbalance repeatedly — and the conversation with Andrew Morgan underscores why it persists and what can be done about it.The Problem: Structural ImbalanceLarge enterprises operate with defined budgets, mature governance, and integrated security operations centers. They can afford redundancy, talent, and tooling. Meanwhile, small and mid-sized organizations are often left with fragmented controls, minimal staff, and reliance on external vendors or managed providers.The result is a “have and have not” world. The “haves” can detect, contain, and recover. The “have nots” often cannot. When they are compromised, the impact isn't just reputational — it can mean financial collapse or service disruption that directly affects communities.The Hidden Costs of ComplexityEven when smaller organizations invest in technology, they often fall into the trap of overtooling without strategy. Multiple, overlapping systems create noise, false confidence, and operational fatigue. Morgan describes this as a symptom of viewing cybersecurity as a subset of IT rather than as a business enabler.Simplification is key. A rationalized platform approach — even if not best-of-breed — can deliver better visibility and sustainability than a patchwork of disconnected tools. The goal should not be perfection; it should be proportionate protection aligned with business risk.The Solution: Culture, Collaboration, and ContinuityCyber resilience starts with people and culture. As Morgan puts it, programs must be driven by culture, informed by risk, and delivered through people, process, and technology. Security can't succeed in isolation from the organization's purpose or its people.The Australian CISO Tribe provides a real-world model for collaboration. Its members share threat intelligence, peer validation, and practical experiences — a living example of collective defense in action. Whether formalized or ad-hoc, these networks give security leaders context, community, and shared strength.Getting Back to BasicsPractical resilience isn't glamorous. It's about getting the basics right — consistent patching, logging, phishing-resistant authentication, verified backups, and tested recovery plans. It's about ensuring that, if everything fails, you can still get back up.When security becomes a business-as-usual practice rather than a project, organizations begin to move from reactive defense to proactive resilience.The TakeawayBridging the cybersecurity divide doesn't require endless budgets. It requires prioritization, simplification, and partnership. The “have nots” may never mirror enterprise scale, but they can adopt enterprise discipline — and that can make all the difference between temporary disruption and permanent failure.⬥RESOURCES⬥Inspiring Post: https://www.linkedin.com/posts/andrewmorgancism_last-night-i-was-fortunate-enough-to-spend-activity-7383972144507994112-V3Zr/⬥ADDITIONAL INFORMATION⬥✨ More Redefining CyberSecurity Podcast: 

That cruise for under $100 a day? That week in Cancun for $500? They're real—but they're not the whole story. In this eye-opening episode, travel advisors Ryan and Julie pull back the curtain on the "hidden" costs of travel that can turn your dream vacation budget into a financial surprise.The hosts emphasize they're not talking about scams—these are legitimate expenses that travelers simply forget to factor in. From ground transportation (how ARE you getting from the airport to your resort?) to travel insurance (especially crucial after hurricanes like the one that just devastated Jamaica), parking fees that can double your hotel costs in major cities, and those resort fees you don't see until checkout—it all adds up.Julie shares how checked baggage fees, seat selection charges, and clothing purchases for specific climates (hello, Antarctica coats!) can quietly inflate your budget. The episode includes Ryan's real-time experience rebooking his honeymoon from Jamaica to the Dominican Republic due to hurricane damage, demonstrating how travel insurance and working with an advisor can save the day.Beyond logistics, they dive into experience costs: drink packages, specialty dining, shore excursions (which can cost as much as the cruise itself), WiFi on ships, and international cell coverage. Julie confesses her weakness for Disney merchandise, while Ryan offers his son's wisdom: "Does it look cool at home, or just here?"The truly forgotten costs? Pre and post-travel food, laundry services on longer trips, visa fees, passport renewals, overweight luggage charges, and Ryan's pet peeve—constantly buying bottled water. Julie's tip: bring your own water bottle (just don't fill it before the plane pressurizes!).This episode arms you with a comprehensive checklist so you can budget accurately from the start and avoid that sinking feeling when unexpected charges appear.Support the showLove the podcast? Help us continue to create great travel content by supporting the show. You can do that here: https://www.buzzsprout.com/1197029/supporters/new Ready to plan your vacation? Most families are confused and overwhelmed when planning a vacation. We work with you to plan a trip perfect for your family. Saving you time, money, and stress! Visit our website www.allthingstravelpodcast.com and click on "Plan Your Next Vacation" Join the travel conversations and the fun in our Facebook Page and Instagram Page! Please share the show with your travel buddies!! Click this link and share the show! Never miss an episode and help us take you to the top with us by following and leaving a 5-Star review on your favorite podcasting app!

There are many hidden costs and gifts of trauma. That's what we discussed on the podcast with Dr. Kirsten Viola Harrison, a trauma psychologist, author, and founder of Soul Wise Solutions. For over 35 years, she has guided individuals through profound psychological and spiritual transitions, including C-PTSD, schizophrenia, and near-death experiences. She is the co-author of “I, Sean/a: The Story of a Homeless Intersex Woman Who Inspired a Community”, the remarkable true story of Sean/a Smith, an intersex woman living with schizophrenia, whose life challenges stigma and who inspires a movement toward dignity, inclusion, and soul-deep healing.In this episode of Last First Date Radio:The hidden costs of traumaHope for those who are struggling with traumaHow to combine and emotional and spiritual aspects of traumaConnect with Dr. HarrisonWebsite: https://soulwisesolutions.com/ Facebook: https://www.facebook.com/soulwiseteam/ X: https://twitter.com/soulwiseteam IG: https://instagram.com/soulwiseteam ►Please subscribe/rate and review the podcast on Apple Podcasts http://bit.ly/lastfirstdateradio ►If you're feeling stuck in dating and relationships and would like to find your last first date, sign up for a complimentary 45-minute breakthrough session with Sandy https://lastfirstdate.com/application ►Join Your Last First Date on Facebook https://facebook.com/groups/yourlastfirstdate ►Get Sandy's books, Becoming a Woman of Value; How to Thrive in Life and Love https://bit.ly/womanofvaluebook , Choice Points in Dating https://amzn.to/3jTFQe9 and Love at Last https://amzn.to/4erpj7C ►Get FREE coaching on the podcast! https://bit.ly/LFDradiocoaching ►FREE download: “Top 10 Reasons Why Men Suddenly Pull Away” http://bit.ly/whymendisappear ►Group Coaching: https://lastfirstdate.com/the-woman-of-value-club/ ►Website → https://lastfirstdate.com/ ► Instagram → https://www.instagram.com/lastfirstdate1/ ►Get Amazon Music Unlimited FREE for 30 days at https://getamazonmusic.com/lastfirstdate  

Kentucky utility regulators could approve a rate increase for Louisville Gas & Electric and Kentucky Utilities customers. They've approved new power plants to meet the electricity demands of data centers. Customers may not have known about the hidden cost they're paying for two coal plants. Appalachia + Mid-South Newsroom Managing Editor Ryan Van Velzer spoke with WVPB's Curtis Tate about his reporting on those plants. The post A Conversation About Hidden Costs On Utility Bills, This West Virginia Morning appeared first on West Virginia Public Broadcasting.

In this episode, we tackle the aftermath of Halloween and dive into the pressing political landscape as elections approach. Congressman Mark Harris joins us to discuss the ongoing government shutdown and the implications of subsidies, shedding light on how they benefit insurance companies rather than the average American. We also explore the remarkable findings from a recent study on nutrition and its impact on our biological age, featuring insights on the benefits of Field of Greens with our partners from Brickhouse Nutrition. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textSometimes the best business decision is knowing when to let go. Amy Calandrino, founder of a commercial real estate brokerage, shares her journey from hammering in her own signs during the 2010 recession to building a team of nearly 10 advisors—and why she ultimately chose to close her firm to join Cushman & Wakefield. In this episode, Amy reveals the hidden costs of entrepreneurship, the importance of aligning your work with your values, and how she's redirecting her energy toward meaningful impact through her family foundation's financial literacy programs.[01:05 - 04:10] From Vermont to Orlando: Building a Career on GritStarted working full-time at age 13 and put herself through college debt-freeWorked alongside her husband in a law office where she learned about commercial real estate[04:25 - 07:20] The Hidden Costs of Running a BrokerageFounded her brokerage in 2010 during the economic downturn with a shoestring budgetGrew from solo founder to nearly 10 advisors by 2022[07:21 - 11:45] Making the Leap: Consulting the Best in the BusinessSought advice from industry leaders Sarah Malcolm, Allison Weiss, and Beth AzorRealized she could still be an entrepreneur without owning a brokerage[11:46 - 19:30] The Three-Month Transition and Its Unexpected LessonsSpent 90 days transitioning clients and wrapping up her brokerageExperienced grief despite making the right decision[19:31 - 27:15] Redirecting Energy: The Aspiring Entrepreneur ProgramFounded a family foundation with her husband to give back to the communityCreated an entrepreneurship program for elementary school students[27:20 - 31:50] Final Four & How to ConnectConnect with Amy: LinkedIn: https://www.linkedin.com/in/amycalandrino/Email: Amy.Calandrino@cushwake.comBook: "From Perfect to Real" (available on Amazon)LEAVE A 5-STAR REVIEW by clicking this link.WHERE CAN I LEARN MORE?Be sure to follow me on the below platforms:Subscribe to the podcast on Apple, Spotify, Google, or Stitcher.LinkedInYoutubeExclusive Facebook Groupwww.yonahweiss.comNone of this could be possible without the awesome team at Buzzsprout. They make it easy to get your show listed on every major podcast platform.Tweetable Quote:"Success to me is serving my clients in the best way possible and knowing each and every day that I've put forth the most amount of effort that I can. I never want to pSupport the show

Tara breaks down the seismic shifts in U.S. politics and culture, from Mike Johnson's warnings about the collapse of the Democratic Party to the shocking funding of illegal immigrant healthcare at the expense of rural Americans. Highlighting radical candidates like Zoran Mamdani and extreme Democratic primary contenders in Maine, Tara examines how socialist agendas are reshaping local politics. She also explores cultural moments, like Sydney Sweeney potentially becoming the next Bond girl, as a symbol of conservative resilience in a once-hostile Hollywood. Plus, Tara uncovers how $200 billion in taxpayer money is being spent on illegal immigrant healthcare while rural hospitals are left underfunded, revealing a government increasingly disconnected from its citizens.

Send us a textThe wounds of emotional abuse aren't always visible. Survivors often carry scars that the outside world can't see—feelings of isolation, anxiety, self-doubt, and the deep loss of identity. These are the hidden costs of emotional abuse, and they are just as damaging as physical violence.In this final episode of the Domestic Violence Awareness Month series, Allison K. Dagney—survivor, author, and subconscious reprogramming expert—shines a light on the long-term impacts of abuse that often go unnoticed.You'll learn:How isolation keeps survivors trapped and silentWhy the silent treatment and stonewalling leave lasting emotional woundsHow projection and blame-shifting destroy self-trustThe toll abuse takes on your mental health and nervous systemSteps to begin reclaiming your sense of self and reconnecting with your worthThis conversation will help you understand the invisible aftermath of emotional abuse, validate what you've been through, and remind you: you are not broken—you were abused.

You may have heard the expression “there are lies, damn lies and then, statistics.” This speaks loudest when the issue of ‘renewable' energy comes up. We sat down with Andy Anderson, businessman who has been called to testify before the State Corporation Commission on energy costs, who shows us what he uncovered in the ‘statistics' used to sell the Virginia Clean Economy Act and it's reliance on Solar Energy.  Keep Up With The Daily Signal   Sign up for our email newsletters:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.dailysignal.com/email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠     Subscribe to our other shows:    The Tony Kinnett Cast: ⁠https://megaphone.link/THEDAILYSIGNAL2284199939⁠ The Signal Sitdown: ⁠https://megaphone.link/THEDAILYSIGNAL2026390376⁠   Problematic Women:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠https://megaphone.link/THEDAILYSIGNAL7765680741⁠   Victor Davis Hanson: ⁠https://megaphone.link/THEDAILYSIGNAL9809784327⁠     Follow The Daily Signal:    X:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://x.com/intent/user?screen_name=DailySignal⁠ Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.instagram.com/thedailysignal/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Facebook:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.facebook.com/TheDailySignalNews/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Truth Social:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://truthsocial.com/@DailySignal⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠https://www.youtube.com/dailysignal?sub_confirmation=1⁠    Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

You may have heard the expression “there are lies, damn lies and then, statistics.” This speaks loudest when the issue of ‘renewable' energy comes up. We sat down with Andy Anderson, a businessman who has been called to testify before the State Corporation Commission on energy costs, who shows us what he uncovered in the […]

In today's episode, I sit down with Ryan Newburn, founder and CEO of JuriCon.ai, an AI-powered legal tech platform helping clients find the right lawyer in seconds. Drawing from his experience as a corporate attorney and general counsel, Ryan explains how his company uses plain language and artificial intelligence to match clients with lawyers who have the exact expertise they need—saving time, money, and emotional stress. We talk about the costly mistakes people make when hiring the wrong attorney, how specialized legal work is more affordable than most realize, and how verified reviews will transform the legal industry.

Binance listing fees, finally out in the open. CJ Hetherington, Founder of Limitless, published the offer he received after no NDA. 8% of total token supply and $250k. We dig into why the founders accept deals like this, the hidden sell pressure, and how onchain price discovery can replace CEX gatekeeping. CJ also breaks down Limitless on Base, instant-settlement price markets, and the path to Coinbase via Aerodrome. ------