Podcasts about hidden costs

The Fortified Life Podcast with Jason DavisEpisode 191 | Guest: Shae Bynes – Teacher, Speaker, and WriterTitle: "Grace Under Pressure: A Business Fable for the Kingdom Leader"

Why do you avoid conflict, over-apologize, or say “yes” when you really mean “no”? In this powerful episode, Dr. Aziz unpacks the deeper reasons behind people-pleasing and “nice” behavior—and reveals what's really driving it. You'll discover that these habits aren't just random quirks—they're part of a system designed to keep you “safe” by earning approval and avoiding disapproval. But this comes at a huge cost: your authenticity, your confidence, and your freedom. Dr. Aziz shares key signs of hidden people-pleasing and offers a compelling invitation to look at what you're really afraid to feel. Once you understand the emotional root of these patterns, you can start breaking free—not by fixing a dozen behaviors, but by going straight to the source.

You're grateful for your clients, busy calendar, and growing revenue, but you're starting to feel a deep resentment towards a business you started for freedom… and aren't getting. Sound familiar?    If you're personally providing a service to your clients, you're being the business, you're slammed at work, and you can't seem to see a way out, this is an episode you do not want to miss.   This week, Eleanor is pulling back the curtain on the hidden costs of being the business, why so many brilliant consultants get stuck at capacity, and more importantly, how to break free.    Get full show notes and more information here: https://safimedia.co/WO55

Are free trials, free consultations, or “just a few hours” of free work really helping you grow your business? Or are they actually KILLING your profit, authority, and sanity? In this eye-opening episode of SoTellUs Time, Trevor exposes the hidden dangers of giving away too much for free — and how this nice guy strategy is keeping you broke, burned out, and begging for better clients.

To watch a video version of this podcast, click here: https://youtu.be/LzP_zb7BsGQIn this episode, Reuben Saltzman and Tessa Murry discuss various common home inspection issues, focusing on the top five problems that often arise in older homes. They delve into the importance of water management, electrical safety, chimney maintenance, gas leak concerns, and sewer problems. The conversation highlights the importance of home buyers being aware of these issues and adjusting their expectations when purchasing older properties.Here's the link to check out Inspector Empire Builder: https://events.iebcoaching.com/eventsYou can find more information on Tessa's website: https://www.yourhousecoach.com/Takeaways:Tessa is feeling better after a month of illness.Summer brings challenges with kids at home.Common home inspection issues can apply to many areas.Water management problems are critical for home safety.Unprotected overhead electric wires pose serious hazards.Masonry chimneys require regular maintenance and inspection.Gas leaks are more common than expected in home inspections.Sewer problems can lead to expensive repairs.Home buyers should reset their expectations regarding property conditions.There is no such thing as a perfect house. Chapters:00:00 Summer Vibes and Health Updates07:20 Home Inspection Stories and Experiences07:50 Top Home Inspection Issues11:26 Water Management Problems17:13 Electrical Safety Concerns21:33 Masonry Chimney Challenges22:36 The Hidden Costs of Chimney Maintenance31:30 Understanding Gas Leaks and Their Risks37:32 Sewer Problems: A Costly Concern40:50 Common Issues in Older Homes

Nathan Webster (aka, NDUB) invites Amanda Farley ( AIMClear's CMO ) to discuss the hidden costs of overlooking a marketing strategy. They cover the importance of brand authority, authenticity in marketing, and the role of social media algorithms. Amanda shares insights on humanizing content with AI, effective content distribution strategies, and the significance of building brand authority through genuine connections. The conversation emphasizes the need for marketers to focus on quality over quantity and to bring their true selves into their work.  

287: The Hidden Costs of Winging It in Your Design Business In this episode, we unpack the hidden costs of winging it in your design business. Michele shares why flying by the seat of your pants can lead to burnout, missed opportunities, and financial messes. She dives into the power of intentional planning, strategic hiring, and clear marketing—all rooted in a strong, future-focused vision. If you're ready to stop guessing and start growing, this one's for you. Topics Mentioned: Missed Opportunities Peace Process Being Intentional Key Thoughts:  When I was winging it, I realized there was a huge cost to me, to my peace, to my time, and certainly to my money. Michele Williams   We're working on the wrong initiatives, the wrong plans, and things that might support us in the short term, but not in the long term. Michele Williams   I would like to work with an intentionality on where I'm going, what I'm doing, who I'm doing with, and how I'm going to show up in the world, because that brings me peace. Michele Williams   The goal here is to really be able to have an intentionality in what we are doing so that as we do it, we know that we are checking off those tasks and those goals that are moving us closer to the business that we want to become. Michele Williams   Contact Michele: Email: Team@ScarletThreadConsulting.com Facebook: Scarlet Thread Consulting Instagram: @ScarletThreadATL Website: ScarletThreadConsulting.com LinkedIn: Michele Williams References and Resources: Work with Me The Designers' Inner Circle - Become a Member Today    CFO2Go Metrique Solutions How to Build, Manage, and Execute on a Business Strategy course beginning August 2025 sign up now! FREE Step-by-Step Guide to Mapping Your Business Growth

Bob hosts economist Daniel Lacalle to analyze the controversial Big Beautiful Bill. Daniel explains why, despite its imperfections, the bill represents a vital first step toward curbing government spending and protecting private-sector prosperity from excessive state intervention.Daniel's Article, "The Big Beautiful Bill Is Much Better Than You Think": Mises.org/HAP504aThomas Massie's X Exchange on the Hidden Costs of the BBB: Mises.org/HAP504bBob's Recent Blog Post on the BBB: Mises.org/HAP504cThe Mises Institute is giving away 100,000 copies of Murray Rothbard's, What Has Government Done to Our Money? Get your free copy at Mises.org/HAPodFree

Bob hosts economist Daniel Lacalle to analyze the controversial Big Beautiful Bill. Daniel explains why, despite its imperfections, the bill represents a vital first step toward curbing government spending and protecting private-sector prosperity from excessive state intervention.Daniel's Article, "The Big Beautiful Bill Is Much Better Than You Think": Mises.org/HAP504aThomas Massie's X Exchange on the Hidden Costs of the BBB: Mises.org/HAP504bBob's Recent Blog Post on the BBB: Mises.org/HAP504cThe Mises Institute is giving away 100,000 copies of Murray Rothbard's, What Has Government Done to Our Money? Get your free copy at Mises.org/HAPodFree

Greenville's public transit system is failing its essential workers, leaving them stranded and costing local businesses dearly. Hear directly from riders like Carlton and Barbara, alongside Larkin Restaurants co-owner Adam Hayes, about how inadequate bus schedules and Sunday service impact their lives and operations. Discover how Greenville Connects is fighting for vital 30-minute frequency and Sunday bus service to create a more equitable and efficient community for everyone._Produced by Podcast Studio X.Bussin' is a project of Greenville Connects.

Healthcare churn—when people switch insurance plans—is particularly bad in the US. In today's episode, why Americans switch healthcare plans so much, and how that can cost a lot in money ... and in health.Related episode: How doctors helped tank universal health care (Apple / Spotify)Healthcare And Economic DespairFor sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org.Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In this fiery segment, the host breaks down a so-called "China trade deal" that's anything but. Despite media buzz, key tariffs remain untouched while the U.S. agrees to welcome Chinese students—days after intercepting an alleged Chinese bioweapon. The episode dives deep into how Biden-era rare earth policy left Trump cornered in negotiations, granting China leverage over U.S. supply chains. It also uncovers the true nature of an ICE raid in L.A.—not a simple immigration sweep, but a cartel money laundering bust. As Democrats erupt, connections between cartel operations and political protection are laid bare. This explosive commentary exposes geopolitical betrayal, national security risks, and the corrupt convergence of crime and politics.

Think saving is enough? That debt is bad? That retiring at 65 is normal? You've been sold a lie. In this episode of No BS with Birchy, Nathan exposes the system keeping Aussies broke and shares how to break free using debt the right way.

Description: In this eye-opening episode of The First Home Owners Program Podcast, host Maryanne Elliott reveals the often-overlooked costs of buying your first property. Learn why your deposit is just the beginning and how working with a mortgage broker can help you budget accurately for your entire home buying journey.Key Points:The major upfront costs beyond your deposit that first home buyers frequently underestimatePost-settlement expenses that can strain your budget if not properly planned forHow mortgage brokers provide comprehensive cost estimates tailored to your specific situationReal-life example of how proper cost planning prevented financial stress for first-time buyersQueensland-specific information on stamp duty and first home buyer concessionsResources Mentioned:First Home Buyers online course: [link to course]Free 15-minute strategy call: https://calendly.com/360mortgagesolutionsHome Buying Cost Calculator: [link to resource]First Home Owner Grant information: [link to resource]Connect with 360 Mortgage Solutions:Website: https://360mortgagesolutions.com.au/Phone: (07) 3520 8698Email: info@360mortgagesolutions.com.auInstagram: [Instagram handle]Facebook: [Facebook page]About Maryanne Elliott: Maryanne is the founder of 360 Mortgage Solutions and has worked in the finance industry since 2005. With experience as a bank teller, branch manager, portfolio manager, home lender, and trainer, she launched 360 Mortgage Solutions in late 2016 and The First Home Owners Program in late 2017 to help Australians navigate the complex journey to homeownership.Keywords: first home buyer, hidden property costs, stamp duty, lenders mortgage insurance, mortgage broker, home loan fees, property purchase expenses, Queensland first home buyer, settlement costs, building inspectionEpisode Transcript:INTRO: Welcome to The First Home Owners Program Podcast! I'm Maryanne Elliott from 360 Mortgage Solutions, and today we're pulling back the curtain on something that catches many first-time buyers by surprise – the hidden costs of buying a property. Those expenses beyond the deposit that can quickly add thousands to your budget. But don't worry – by the end of this episode, you'll know exactly what to expect and how a broker can help you navigate these financial surprises.SECTION 1: BEYOND THE DEPOSIT When most people think about buying their first home, they focus almost exclusively on saving for the deposit. And while that's certainly important, it's just the beginning of your financial commitment.Let's break down some of these hidden costs:First, there's stamp duty – a government tax that varies by state and property value. In Queensland, for a $500,000 property, this could be around $8,750, though first home buyers may qualify for concessions.Then there are loan application and establishment fees. Depending on your lender, these can range from $200 to over $1,000.Don't forget lenders mortgage insurance or LMI. If your deposit is less than 20%, you'll likely need to pay this, which can add thousands to your costs.Legal and conveyancing fees typically range from $800 to $2,000 for a standard property purchase.Building and pest inspections are essential and typically cost between $400 and $600 combined.SECTION 2: AFTER SETTLEMENT COSTS But wait – there's more! After you get the keys, you'll face:Moving costs, which can range from a few hundred dollars if you're doing it yourself to several thousand for professional movers.Council rates and body corporate fees if applicable.Home and contents insurance – a must-have that many first-time buyers underestimate.And don't forget about immediate repairs or renovations. That peeling wallpaper or outdated bathroom you planned to "fix later" might become an urgent priority once you move in.SECTION 3: THE BROKER ADVANTAGE This is where working with a mortgage broker becomes invaluable. At 360 Mortgage Solutions, we don't just help you find the right loan – we provide a comprehensive cost estimate tailored to your specific situation.As your broker, I'll:Create a detailed breakdown of all government charges specific to your property and situation.Calculate your exact stamp duty, including any first home buyer concessions you might be eligible for.Estimate all lender fees and charges, helping you compare the true cost of different loan options.Provide a settlement cost estimate that includes legal fees, adjustments, and transfer costs.Factor in post-settlement expenses like insurance and moving costs to give you a complete financial picture.The result? No nasty surprises and a clear understanding of exactly how much you need to budget beyond your deposit.SECTION 4: REAL CLIENT EXAMPLE Let me share a quick story about a couple I worked with recently. James and Emma had diligently saved a $50,000 deposit for their first home. They were looking at properties around $500,000 and thought they were ready to go.When we sat down for their initial consultation, I created a comprehensive cost estimate. They were shocked to discover they needed an additional $15,000 to cover all the associated costs! Rather than being discouraged, they were grateful to know this before falling in love with a property they couldn't afford.We adjusted their search criteria slightly, found them a lovely property that fit their true budget, and they moved in three months later – with no financial stress or unexpected bills.CONCLUSION: Understanding the full financial picture of buying a home isn't just about avoiding stress – it's about making informed decisions that set you up for long-term success. As a mortgage broker, providing these detailed cost estimates is one of the most valuable services I offer my clients.If you're starting your home buying journey, book a free 15-minute call with me, and let's make sure you're prepared for every cost along the way – not just the obvious ones.Until next time, this is Maryanne Elliott from The First Home Owners Program Podcast, helping you navigate the path to homeownership with confidence.

Santiago Gallino, Associate Professor of Operations, Information and Decisions, and of Marketing at the Wharton School, discusses the growing presence of self-checkout in retail, its intended operational benefits, and the unintended consequences—including theft, customer friction, and strategic recalibration—that are prompting retailers to rethink their approach. Hosted on Acast. See acast.com/privacy for more information.

Ever watched the sun rise over a pristine northern lake and thought, "I could do this for a living"? Before you mortgage your home and cash in your retirement savings, you need to hear the raw, unfiltered truth about what it really takes to run a fishing lodge.Steve Niedzwiecki, former owner of Chaudière Lodge on Ontario's French River, pulls back the curtain on the reality behind the dream job. From the heart-stopping financial gamble of startup costs that can easily hit seven figures, to the exhausting cycle of staffing where relationship management becomes as important as business acumen. Steve reveals how he mortgaged everything he owned—even securing loans against his parents' property—to pursue a vision that most would call madness.The logistics are staggering: varnishing 13 cedar-strip boats annually, navigating government compliance, managing romantic entanglements between staff members, and taking personal responsibility for every guest's experience. When a single bad water test results in skull-and-crossbones warning signs during your busiest week, or when your chef decides that frozen patties on hamburger buns are an acceptable substitute for authentic veal cutlets, the pressure can feel crushing.Yet through it all, there's an unmistakable thread of passion that defies pure economics. As Steve puts it, "Passion must outweigh profit," because the moment you start cutting corners to save money, the entire experience unravels. The most successful lodge owners understand they're not just selling accommodation and guided fishing—they're orchestrating memories that guests will cherish for decades.Would Steve do it all again? "Absolutely," he says without hesitation. Despite the missed family events, the 20-hour workdays, and the constant weight of responsibility, the relationships formed and experiences created made it all worthwhile. If you're contemplating this path—or simply curious about what happens behind the scenes of your favorite fishing destination—this revealing episode offers both caution and inspiration in equal measure.

Roger and Elias discuss often overlooked costs of retirement plus signs you may need help from a financial professional.  Take control of your financial future: https://www.btwealthshow.com/start-planning Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.  Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.  Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

In this episode, Lady Landlords founder, Becky Nova shares all the hidden costs you need to factor into your deal analysis to make sure your rental is actually profitable.If you would like support from Becky Nova and our Lady Landlords community, email Becky@lady-landlords.com===

In this week's episode, host Daniel Raimi talks with McKenna Peplinski, a senior research associate at Resources for the Future, about delays in building up the infrastructure that delivers electricity to the United States. Many electric power projects, such as bids for new generators and transmission lines, are waiting in long queues to connect to the grid. In a recent study she coauthored, Peplinski examines the consequences of these delays in building out power infrastructure by comparing two scenarios that the research team modeled: one in which projects move forward on schedule, and another in which projects get stalled. She shares the research findings, which reveal that these delays have negative consequences for energy costs, emissions from power plants, public health, and the feasibility of adding renewable energy sources to the grid. References and recommendations: “Power Delayed: Economic Effects of Electricity Transmission and Generation Development Delays” by Daniel Shawhan, McKenna Peplinski, Sally Robson, Ethan Russell, Ethan Ziegler, and Karen Palmer; https://www.rff.org/publications/working-papers/power-delayed-economic-effects-of-electricity-transmission-and-generation-development-delays/ “Clean Power Delayed: Effects of Infrastructure Delays on Health, Environment, and US Households” by Daniel Shawhan, McKenna Peplinski, Sally Robson, Ethan Russell, Ethan Ziegler, and Karen Palmer; https://www.rff.org/publications/working-papers/clean-power-delayed-effects-of-infrastructure-delays-on-health-environment-and-us-households/ “Decarbonize Your Life” from Heatmap News; https://heatmap.news/decarbonize-your-life

Today, we talk about the hidden cost of constant distraction, as well as cover all of our usual Monday segments. Featured Event: June 29 Meetup and Rabbit Processing Event https://www.livingfreeintennessee.com/2025/06/02/rabbit-processing/ Sponsor 1: DiscountMylarBags.com Long-term food storage supplies that won't break the bank. Sponsor 2: AgoristTaxAdvice.com Helping entrepreneurs, homesteaders, and freedom-minded folks handle taxes the smart way. Tales from the Prepper Pantry Country Store Update Canning Season Is Started Dried Herbs For Sale – Packaging Ideas Broccoli Score and How to Freeze It Weekly Shopping Report From Joe: Food City: The pet food aisle was well-stocked. Then we hit the usual places, next stopping at Dollar Tree. The drink selection continues to change, although the shelves remain full. There's not a lot of Monster left, and I'm seeing a distressing number of “zero sugar” alternatives. These typically contain liver toxins disguised as artificial sweeteners. Fortunately I'm seeing a few choices made with cane sugar. They don't have caffeine, but I'm trying to cut down on that anyway. The tag in the store has lately been missing, but the online price of a 2x4x8 stud at Home Depot is still $3.85. Aldi was last. Other than my preferred chocolate (I had to choose the 85% alternate), we found everything else we wanted. There have been a few more price changes since the last report, with decreases bigger than increases. Staple prices were: Bread (20 oz. white): $1.39 Eggs: $2.96 (-) Whole milk: $2.72 (+) Heavy cream: $5.29 OJ: $4.25 Butter: $3.75 Bacon: $3.99 Potatoes: $3.49 (-) Sugar: $3.29 Flour: $2.35 80% ground beef: $4.69 Untainted regular gasoline at Weigels is still $3.59/gallon. No frugality tip this week. Operation Independence Attempt to launch the glamper rental LOL  Main Topic of the Day: The Hidden Cost of Constant Distractio What happened when I deleted tiktok from my phone - it got me to observing. Every major mistake I have made involved an interruption Slow progress   So I did a test - I became hardcore about interruptions, including leaving my phone away from me completely for hours at a time, setting alarms for benchmark tasks, and setting better boundaries. Better sleep, better health, better focus I pissed off some folks and hurt a feeling or two Why do people resist stillness so hard? Fear of rejection They never learned to be alone Not following their purpose and they know it Using distraction to avoid processing trauma or other things Then it hit me - distractions aren't just digital—boundary violators are distractions too. We all have encountered people who don't care a whit about your boundaries because what they need is more important to them. Who push beyond what is reasonable. And who seek to manipulate you when they realize that you are not going to play along.   What happens next is: Character assault Temper tantrums Manufactured crisis So much more   But what about being available to your true friends and your family? The delio is this - If you need space to accomplish things, then your true friends and family will not only understand when you create that space, but they will help you do it. And if they won't one of two things is true: You are not honoring your commitments to relationships (We've all done this) They arent a true friend or nontoxic family member   Because you are building YOUR life on YOUR terms to fulfill YOUR purpose   And that NEED to be constantly available and responsive? Is it truly a need because your Mom is in the hospital? Or is it a way to feel important? And what price are you paying by letting the distractions happen without end?   Just some food for thought.   REMEMBER The Holler Roast Prebuy is live! Support the shack, get coffee credit, and score digital goodies. HollerRoast.com   Self-Reliance Festival tickets—Only a few left at the $95 price point. Don't miss it before the next price jump.   Make sure you're on the newsletter list for updates, events, and all things Holler.   Make it a great week.   Song:   GUYS! Don't forget about the cookbook, Cook With What You Have by Nicole Sauce and Mama Sauce.    Community Follow me on Nostr: npub1u2vu695j5wfnxsxpwpth2jnzwxx5fat7vc63eth07dez9arnrezsdeafsv Mewe Group: https://mewe.com/join/lftn Telegram Group: https://t.me/LFTNGroup Odysee: https://odysee.com/$/invite/@livingfree:b Resources Membership Sign Up Holler Roast Coffee Harvest Right Affiliate Link  

Send us a textSkipping home inspections might seem like a smart move to strengthen your offer in a competitive market, but this short-sighted decision frequently returns to haunt homeowners years later. Jim and Laura dive deep into the concerning trend of inspection waivers and the painful consequences many homeowners now face when trying to sell properties they purchased without proper due diligence.Through shocking real-life examples, they reveal how seemingly minor oversights transform into major financial burdens. There's the horrifying story of a flipped house where the renovator converted an exterior deck into bedrooms by simply laying carpet over deck boards that were making ground contact, creating perfect conditions for moisture damage and mold. Another cautionary tale involves unpermitted structural modifications where load-bearing walls were removed without proper engineering or authorization, leaving homeowners vulnerable to both safety concerns and potential legal complications.The conversation highlights how moisture problems, when caught early, might cost hundreds to repair, but when left undetected for years, can require tens of thousands in remediation. For those who previously purchased without inspections and now plan to sell, the hosts offer practical advice: commission a pre-listing inspection to identify and address issues proactively rather than waiting for buyers to discover them. This transparency creates buyer confidence and demonstrates responsible stewardship of the property.With approximately 70% of buyers who waived inspections reporting regret about their decision, the podcast makes a compelling case for why professional home inspections remain essential despite market pressures. Whether you're buying, selling, or simply maintaining your home, this episode delivers valuable insights into protecting your largest investment. Have you experienced inspection regrets? Share your story and subscribe for more real estate wisdom from Ohio's inspection experts.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TV Advice from experts: Don't skip the home inspection | NBC4 WCMH-TV OSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TV How to save money by winterizing your home | NBC4 WCMH-TV Continuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course lis...

RICHPANELCut your support costs by 30% and reduce tickets by 30%—guaranteed—with Richpanel's AI-first Customer Service Platform that will reduce costs, improve agent productivity & delight customers at http://www.richpanel.com/partners/ajf?utm_source=spotify.FERMAT Create funnels the same way you create ads with FERMAT by visiting ⁠⁠https://fermatcommerce.com/af//In this episode, we does something rare — I get to break down the real P&L of a $5 million DTC brand and show exactly how to think about cost of delivery, fixed overhead, and ad spend efficiency.You'll learn:Why a brand with great product margins can still lose moneyHow in-house manufacturing + fulfillment can kill your profitabilityWhen to cut salaries, outsource ops, and lean into paid acquisitionThe framework I use to analyze any eCommerce P&LIf you run a 7–9 figure eCommerce business and want practical, honest insight into what's really driving (or killing) profitability, this episode is a must-watch.CHAPTER TITLES:1:28 - Intro To A P&L5:00 - Descriptions of a P&L10:17 - Analyzing Sales17:31 - Digital Ad Spend49:53 - Customer Cohort Analysis// SUBSCRIBE TO MY CHANNEL FOR 2X/WEEKLY UPLOADS!//ADMISSIONGet the best media buying training on the Internet + a free coaching call with Common Thread Collective's media buyers when you sign up for ADmission here: https://www.youradmission.co/andrew-faris-podcast//FOLLOW UP WITH ANDREW X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/andrewjfaris Email: podcast@ajfgrowth.comWork with Andrew: https://ajfgrowth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Story at-a-glance Ozempic users risk losing essential lean muscle and bone mass, making them physically weaker and shortening their lifespan GLP-1 drugs like Ozempic dull emotional responses, reduce life satisfaction, and significantly increase risks of depression and suicidal thoughts by altering brain chemistry and dopamine regulation After discontinuing semaglutide, many users regain more fat than they lost, with a worse fat-to-muscle ratio, as hunger returns and muscle loss remains unrecovered Common GI symptoms could escalate into dangerous conditions like gastroparesis, where digestion slows or halts, leading to vomiting, nutrient deficiency, and chronic digestive distress Since 2018, 62,000 adverse events and 162 deaths linked to Ozempic-type drugs have been reported, with a surge following increased marketing and prescriptions after 2022

The Hidden Costs of Stagnation: Why Running EOL Software is a Ticking Time Bomb, Maintaining FreeBSD in a Commercial Product – Why Upstream Contributions Matter, LLMs ('AI') are coming for our jobs whether or not they work, Implement Anubis to give the bots a harder time, erspan(4): ERSPAN Type II collection, Just my memory here is how I've configure OpenBSD and FreeBSD for a IPv6 Wifi, and more NOTES This episode of BSDNow is brought to you by Tarsnap (https://www.tarsnap.com/bsdnow) and the BSDNow Patreon (https://www.patreon.com/bsdnow) Headlines The Hidden Costs of Stagnation: Why Running EOL Software is a Ticking Time Bomb (https://freebsdfoundation.org/blog/the-hidden-costs-of-stagnation-why-running-eol-software-is-a-ticking-time-bomb/) Maintaining FreeBSD in a Commercial Product – Why Upstream Contributions Matter (https://klarasystems.com/articles/maintaining-freebsd-commercial-product-why-upstream-contributions-matter/?utm_source=BSD%20Now&utm_medium=Podcast) News Roundup LLMs ('AI') are coming for our jobs whether or not they work (https://utcc.utoronto.ca/~cks/space/blog/tech/LLMsVersusOurJobs) Implement Anubis to give the bots a harder time (https://dan.langille.org/2025/05/03/implement-anubis-to-give-the-bots-a-harder-time/) erspan(4): ERSPAN Type II collection (https://www.undeadly.org/cgi?action=article;sid=20250512100219) Just my memory here is how I've configure OpenBSD and FreeBSD for a IPv6 Wifi (https://vincentdelft.be/post/post_20250208) Beastie Bits Some Interesting pieces of history Netnews History (https://www.cs.columbia.edu/~smb/papers/netnews-hist.pdf) History of Solaris (https://cse.unl.edu/~witty/class/csce351/howto/history_of_solaris.pdf) Nuclear Wall Charts (https://econtent.unm.edu/digital/collection/nuceng/search) [TUHS] The Case of UNIX vs. The UNIX System (https://www.tuhs.org/pipermail/tuhs/2025-February/031403.html) Tarsnap This weeks episode of BSDNow was sponsored by our friends at Tarsnap, the only secure online backup you can trust your data to. Even paranoids need backups. Feedback/Questions Paul - my setup (https://github.com/BSDNow/bsdnow.tv/blob/master/episodes/614/feedback/Paul%20-%20my%20setup.md) Send questions, comments, show ideas/topics, or stories you want mentioned on the show to feedback@bsdnow.tv (mailto:feedback@bsdnow.tv) Join us and other BSD Fans in our BSD Now Telegram channel (https://t.me/bsdnow)

“There are two biggest buckets of cost in any fleet: your people and your assets. If you're not managing both with strategy, you're leaking efficiency.”In this consulting-centric episode, Marc Canton and Steve Saltzgiver give listeners an inside look at the real issues fleet organizations are asking RTA for help with — and the critical ones they aren't asking about but should be.From right-sizing analyses and facility planning to VMRS codes and preventive maintenance workflows, this episode reads like a checklist of where modern fleets are succeeding... and where they're falling behind. Steve breaks down how fleets can turn reactive problems into proactive strategies by investing in policies, proper documentation, and performance benchmarking.Whether you're a fleet manager dealing with staffing shortages or a city agency unsure if your shop still fits your growing fleet, this episode is packed with practical guidance and candid consulting insights that will help you run a more efficient, effective operation.Key Takeaways:Most Requested Projects: Best practice assessments, staffing studies, facility reviews, right-sizing analysis, and cost of service evaluations. Right-Sizing Always Pays Off: These projects consistently deliver ROI by helping fleets identify and reduce excess or underutilized assets. Facility Assessments Are Rising: Growing fleets are struggling with outdated bays, cramped layouts, and missing the mark on equipment needs. Underutilized Tools: Many fleets still lack documented workflows, up-to-date policy manuals, and clean, lean shop environments. Preventive Maintenance Process Is Key: PM efficiency depends on prep work — staging parts, tools, and task flow to avoid tech downtime. Chargebacks and Data Visibility Drive Better Behavior: Transparent cost allocation policies can improve operator stewardship and accountability.Marc CantonProduct leader at RTA and seasoned fleet consultant, Marc combines 20 years of fleet management experience with a sharp eye for software design and operational strategy. He's passionate about helping fleets modernize.Steve SaltzgiverFleet Hall of Famer and consulting guru, Steve brings decades of experience across public, private, and federal sectors. Known as the “Fleet Whisperer,” his insights drive transformation from the shop floor to the boardroom.

First-time visitors often overlook fees, taxes, and everyday costs that quickly pile up. From mandatory resort charges to surprise parking rates and even the cost of sunscreen, Hawaii has a way of nickel-and-diming travelers if they're not prepared. Here's what you need to know to avoid sticker shock when your credit card bill arrives after paradise. Resort Fees: The Price of Paradise Comforts Most mid-range to upscale hotels and even some budget-friendly spots charge a daily resort fee, whether or not you use the amenities. These can run anywhere from $30 to over $60 per night, per room. What do you get for that? Usually Wi-Fi, towel service, beach rentals, and local phone calls. Sometimes it's a shell lei greeting and access to a fitness center or yoga class—but don't expect to opt out. This fee is mandatory, and it adds up fast. Hawaii's Hotel Taxes and New Green Fee Hawaii tacks on a state hotel tax (10.25%), a general excise tax (around 4.712%), and now a new “green fee” in some areas aimed at protecting natural resources. As of 2024, certain counties—especially Maui—have introduced conservation-related charges for visitors staying overnight. The green fee may be wrapped into your nightly rate or added at checkout, but either way, it's becoming more common—and it's not optional. Parking: Not Always Free, Rarely Cheap Most Hawaii hotels charge for parking, some condos too, and not just a few bucks. Expect $35–$65 per night for valet or self-parking. Even vacation rentals and condos that advertise “parking available” may charge separately. Street parking? Good luck. It's scarce, metered, and strictly enforced. Rent a car, and you'll likely need to budget just as much to park it as to drive it. Tip: Some hotels offer packages that include parking—worth asking about. Car Rental Taxes, Fees, and Hidden Costs of a Hawaii Vacation Renting a car in Hawaii can seem cheap—until you check out. On top of the base rate, you'll pay: Renting a car in Hawaii can seem cheap—until you check out. On top of the base rate, you'll pay: Airport facility fee Vehicle registration recovery Taxes on top of all of the above Optional add-ons like Insurance, Car Seats, and Dropoff-fees It's not uncommon for a $60/day rental to balloon into $100 or more after all the extras. What's more, gas prices hover above the national average, especially on the neighbor islands. Dining: Sticker Shock in Paradise You're on vacation—you'll want to eat well. But remember, most restaurants automatically add a tip or service charge, especially for larger parties or hotel guests. Quick breakfasts or snacks from a café can cost $20+ per person. A decent sit-down dinner? Easily $50–$100 per head, without alcohol. Tip: Many vacation rentals come with kitchens. Shopping at Costco or Foodland and preparing a few meals at home can stretch your budget significantly. Tips and Gratuities: Not Always Optional In Hawaii, tipping is part of the culture. Here's a rough guide Bell staff: $2–$5 per bag Valet: $3–$5 each time Housekeeping: $3–$7 per day Tour guides: $15–$20, depending on length and group size Wait staff 20% (cash is better) Tour guides: $5–$20 depending on length and group size Booking a snorkel tour, ATV ride, or helicopter flight? You'll pay state taxes, sometimes harbor fees, and possibly fuel surcharges. Equipment like snorkels, fins, or wet suits might not be included. Even hikes into some popular areas now require reservations and entrance fees—like Waimea Valley or Hanauma Bay. Incidentals You Didn't Pack Many visitors forget about TSA restrictions and end up buying pricey items after they land. Here are a few common culprits: Sunscreen (reef-safe brands are required and more expensive) Aloe for sunburns Water shoes or reef-safe footwear Hats or rash guards Beach toys for kids

Feeling stuck in your career? You're not alone — and you're not broken. But staying stuck comes at a cost.In this solo episode, I explore the hidden toll that being in the wrong job, or simply feeling misaligned, can have on one's energy, confidence, and future opportunities.Drawing on my experience of feeling stuck in a successful but unfulfilling engineering role, I share what it means to be stuck, how it shows up in your day-to-day life, and the quiet impact it can have over time.But this isn't just a diagnosis—it's a path forward.You'll learn three practical ways to loosen the grip of stuckness and begin creating momentum:• How to notice and name what's really going on• Why micro-experiments can unlock surprising new directions• And the power of talking it through with the right peopleThis episode is both a compassionate reflection and a gentle nudge—because staying stuck isn't your only option. And often, the first small step changes everything.Thanks for listening! If you need support with your career:call me on 07833 593875email mark@bravocoaching.co.ukvisit www.bravocoaching.co.uk

How could rising tariffs at the Canadian and Mexican borders possibly affect your Airbnb? Turns out, quite a lot. In this episode, we break down how new 25% tariffs could increase your renovation and furnishing costs—and what you can do to prepare for a tighter margin environment. • Discover how new tariffs can increase your construction and renovation costs by 10% or more. • Learn why your furniture and appliance budget needs to grow—and how to plan for it. • Understand how these price hikes impact international travel, guest spending, and your occupancy. • Get actionable tips on using dynamic pricing tools like PriceLabs and AirDNA to stay competitive. • Find out how to prep for longer lead times, inventory issues, and future-proof your STR investments. Tariffs may sound like far-off policy shifts, but they're already working their way into your operating budget. Stay informed, adjust your strategies, and protect your margins by staying ahead of these shifts. Don't forget to subscribe, share the episode, and tap into the resources below. Resource Links: 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/

In this episode, we explore two pressing topics shaping lives today. First, we uncover the surprising financial and emotional realities of owning pets in 2025, revealing why caring for dogs, cats, and even exotic pets is far more costly and demanding than most expect. Then, we shift gears to discuss escalating political and social tensions in the U.S., from violent left-wing attacks and immigration challenges to the ongoing struggles of America's working class. Join us for an honest, thought-provoking conversation about responsibility, commitment, and the fractures in society.

In this podcast episode, Christina discusses the importance of taking action and the hidden costs associated with staying stuck in one's current situation. She shares personal experiences and client stories to illustrate how investing in oneself, whether through time, money, or mindset shifts, can lead to significant personal and professional growth. The conversation emphasizes the need for clarity, the value of time, and the importance of reprogramming beliefs about success and self-worth.

Thinking about renovating your home or flipping a fixer-upper? Home improvement looks effortless on TV, but in reality, unexpected costs can quickly drain your budget and turn your dream project into a self-inflicted nightmare. In this podcast, we break down the hidden costs of home renovations and show you how to avoid costly surprises BEFORE they happen.3 Must-Know Steps Before You Begin:Know what you're buying – Inspections, boundary lines, hidden repairsKnow what you plan to do – Scope of work, budgeting, preventing scope creepKnow who can get it done – Finding reliable contractors, avoiding scams

In this episode of the Drop In CEO podcast Ted Santos, a leadership disruptor and creator of the Disruptive Leadership Model, discusses strategies for fostering breakthrough growth in organizations. Ted shares his unique approach to advising CEOs, which includes creating problems to generate new solutions, transforming corporate cultures, and identifying untapped markets. He also delves into the personal and professional impact of effectively managing chaos and uncertainty, using examples from his extensive career. Episode Highlights: 09:30 Creating Breakthroughs and Disruptive Strategies 13:49 Challenges in Scaling and Integration 17:39 Transforming Mindsets and Organizational Structures 22:57 The Hidden Costs of Employee Turnover 23:47 The Value of Training and Development 35:27 The Impact of Personal Issues on Workplace Productivity Ted Santos is a leadership disruptor who helps CEOs, executives, and entrepreneurs transform chaos into their greatest advantage. As the creator of the Disruptive Leadership Model, he teaches leaders to stop solving problems—and start creating the right ones to fuel innovation and exponential growth. His bold strategies have doubled productivity, shattered growth ceilings, and turned struggling companies into industry leaders. Ted is also the author of Here’s Why You Can’t Find Love, which links personal struggles to lost business performance. Through every talk, training, and transformation, Ted helps high-achievers think bigger, move faster, and lead with radical clarity. Connect with Ted Santos: Company Website: www.turnaroundip.com Ted’s Linkedin: linkedin.com/in/ted-santos-ab0107 For More Insights from The Drop In CEO:

Building a modern home sounds simple—until it's not. In this episode of the Your Project Shepherd Podcast, Curtis Lawson is joined by architects Sam Brisendine and Julie Wright of BRIGHT Architects & Co. to explore the real-world complexities of custom modern home construction. Discover how tight tolerances, framing precision, foundation planning, and high-end finishes impact cost and performance. If you're planning a custom home, remodeling with modern design, or working in residential architecture, this episode is packed with expert tips and insights. Learn how collaborative planning leads to smoother builds—and better homes.

Hidden Costs of Retirement Podcast by Jackson & Peck Financial Group Podcast

A major new report from the OECD has revealed shocking insights into how screen use is shaping children's lives—and not for the better. In this episode, Justin and Kylie Coulson unpack the disturbing statistics, explain the real-world impact of screens on kids’ mental health, relationships, and development, and offer practical, age-specific strategies to help parents take back control. From toddlers to teens, this is the digital wake-up call every parent needs. KEY POINTS Startling Stats: Aussie teens average 7 hours of screen time per day. 12% use screens more than 80 hours per week. 70% of 10-year-olds “own” smartphones. 60% of Australian girls report severe distress from cyberbullying. 4 Uncomfortable Truths for Parents: Real-world problems predict digital problems. Kids in distress offline turn to screens for escape. Most parents are fighting the wrong war. The issue is less about screen time and more about content and connection. It’s a bi-directional trap. Poor mental health drives screen addiction, and screen use worsens mental health. Parental hypocrisy matters. Kids don’t listen if we model the very behaviour we criticise. The Hidden Costs of Screen Use: Depression, anxiety, loneliness, academic decline, sleep issues, and family conflict all rise with excessive and unsupervised screen use. The Real Solution: Strong offline relationships, autonomy-supportive parenting, and a focus on values, not just rules or limits. QUOTE OF THE EPISODE “You can’t lift someone up if you’re underneath them. You’ve got to stand on high ground.” — Justin Coulson RESOURCES MENTIONED OECD Report: How’s Life for Children in the Digital Age? The Parenting Revolution by Justin Coulson Happy Families Webinars and Courses Nonviolent Communication by Marshall Rosenberg Past episodes on sextortion and gaming ACTION STEPS FOR PARENTS For Kids Aged 0–7: Be present during screen time or avoid it altogether. Keep devices out of bedrooms—model this yourself. Avoid gamified apps and addictive content. Prioritise simple, slow-paced shows (e.g., Bluey). For Kids Aged 8–12: Create a co-designed family media plan. Prioritise what they’re consuming, not just how much. Invest in offline activities and friendships—nature, play, and sport are protective. For Teens: Shift from control to collaboration. Support autonomy and solve problems with them. Address root issues—mental health, loneliness, stress—before tackling screen habits. Model healthy screen use. Walk your talk, or your words will fall flat. See omnystudio.com/listener for privacy information.

AI's increasing presence in the legal field is raising significant concerns, particularly regarding the accuracy of information generated by these systems. Judges have reported a notable rise in AI-generated inaccuracies, with 23 instances of fake legal citations identified since May 1st. Legal data analyst Damien Chartland has documented 120 cases where courts recognized AI's hallucinations, which include fabricated legal quotes and non-existent authorities. This trend indicates a shift in responsibility, as lawyers are now accountable for these errors, contrasting with previous instances where self-represented individuals were primarily at fault. The implications are serious, with courts imposing fines exceeding $10,000 for AI misuse.The impact of automation extends beyond the legal sector, as a recent report highlights the potential for AI to exacerbate the gender employment gap. In high-income countries, the risk of women facing job automation has risen to 9.6%, while the risk for men is significantly lower at 3.5%. Jobs traditionally held by women, such as administrative roles, are particularly vulnerable to automation. Experts warn that without substantial changes in the labor market, women may face increased challenges in securing stable employment, as their work often shifts toward household tasks rather than formal employment.In the tech industry, Databricks has revealed that 80% of new databases created on their NEON platform were generated by AI agents, showcasing the growing influence of non-developers in coding. This trend emphasizes the need for companies to adapt to remain competitive, focusing on optimizing products for visibility to large language models. Meanwhile, Zoom's CEO has begun using an AI avatar for quarterly earnings calls, raising questions about authenticity and trust in corporate communication. The use of AI avatars could level the playing field for small business leaders but also introduces risks such as impersonation and misuse.Finally, Qualcomm has challenged Apple's claims regarding the performance of its in-house C1 modem, asserting that it falls short compared to Qualcomm's existing technology. A study found that Android devices powered by Qualcomm outperformed the iPhone 16e in both download and upload speeds, particularly in urban environments. Despite these challenges, Apple aims for full-stack control over its technology, and while the initial performance may not meet expectations, the company is known for its ability to iterate and improve rapidly. This ongoing competition highlights the dynamic nature of the tech industry and the importance of innovation.  Four things to know today  00:00 The Hidden Costs of AI: Legal Fines, Workforce Disruption, and the Rise of Unchecked Automation in the Enterprise05:51 New AI Integrations From OpenAI, Salesforce, and GoTo Push Deeper Into MSP Value Chain—Control or Be Commoditized09:01 From Efficiency to Deception? Zoom's AI Avatar Sparks Questions About Corporate Authenticity and Accountability10:49 Apple's DIY Modem Underperforms Qualcomm—But Version One Shows the Game Plan Is in Motion  Supported by:https://www.huntress.com/mspradio/https://cometbackup.com/?utm_source=mspradio&utm_medium=podcast&utm_campaign=sponsorship All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech

Writer, activist, and mother of two, Samantha DeLoach, joins me to delve into the complex and often troubling world of reproductive technologies, including egg harvesting and IVF. We explore the emotional and medical consequences that women face when they engage with these procedures, particularly the risks that are often downplayed or ignored by the industry. Samantha shares her personal journey, reflecting on her own experiences as a college student tempted by the allure of quick cash for egg donation, and how her perspective has evolved over the years.We discuss the predatory nature of the reproductive industry, which targets vulnerable young women, and the societal pressures that lead them to make decisions that could have lifelong repercussions. Samantha highlights the stark reality that many women are sold a dream of balancing career and motherhood, only to find that the success rates of using frozen eggs are alarmingly low.Additionally, we touch on the philosophical implications of separating motherhood into distinct roles—biological, gestational, and social—and the potential identity issues that children conceived through these means may face. This conversation aims to challenge listeners to think critically about the ethics of reproductive technologies and the importance of prioritizing the well-being of children over adult desires. Join us as we navigate these pressing issues in bioethics and family planning.Growing up in a small town in the heart of Florida, Samantha DeLoach developed a deep appreciation for truth, beauty, and conviction. Now a social media consultant for Live Action and Them Before Us, she is a bold advocate for the pro-life cause and children's rights. Known as @Prolife_Sam on X, Samantha takes on pro-choice arguments with razor-sharp clarity, sharing the beauty of motherhood, and connecting women in crisis with life-affirming resources. A devoted Christian, wife of nearly 12 years, and mother of two boys, she believes the culture is starving for truth and she's committed to shining light into a morally declining culture by emphasizing that the rights and well-being of children must come before the desires of adults.Samantha's article in Evie Magazine: They Told Us Motherhood Could Wait, Then Sold it Back to Us at $12,000 a Round 00:00 Start[00:02:29] Egg harvesting consequences in college.[00:05:20] Consequences of egg donation.[00:08:11] Predatory egg donation practices.[00:11:12] Egg freezing and career choices.[00:15:24] Identity issues in reproductive technology.[00:19:21] Adoption vs. Surrogacy Perspectives.[00:25:00] Surrogacy and maternal roles.[00:27:24] The importance of childhood attachment.[00:32:36] Reproductive technologies and attachment wounds.[00:35:19] Rights and protection of children.[00:39:24] IVF and abortion in media.[00:44:54] Maternal attachment and pregnancy.[00:48:08] Mother-child emotional bond.[00:51:39] Birth control's long-term impact.[00:55:28] IVF and egg retrieval process.[01:02:00] IVF risks and complications.[01:02:43] IVF emotional decisions and regrets.[01:06:24] IVF and ethical dilemmas.[01:12:27] Child memory and psychological effects.[01:14:38] Genetically engineering children today.[01:20:18] Human connection and artificial wombs.[01:22:05] Children's rights and responsibilities.[01:25:42] Responsibility to future children.[01:29:40] Family origin stories and intentions.[01:32:57] Identity formation through stories.ROGD REPAIR Course + Community gives concerned parents instant access to over 120 lessons providing the psychological insights and communication tools you need to get through to your kid. Use code SOMETHERAPIST2025 to take 50% off your first month.PODCOURSES: use code SOMETHERAPIST at LisaMustard.com/PodCoursesTALK TO ME: book a meeting.PRODUCTION: Looking for your own podcast producer? Visit PodsByNick.com and mention my podcast for 20% off your initial services.SUPPORT THE SHOW: subscribe, like, comment, & share or donate.ORGANIFI: Take 20% off Organifi with code SOMETHERAPIST.Watch NO WAY BACK: The Reality of Gender-Affirming Care. Use code SOMETHERAPIST to take 20% off your order.SHOW NOTES & transcript with help from SwellAI.MUSIC: Thanks to Joey Pecoraro for our song, “Half Awake,” used with gratitude & permission. ALL OTHER LINKS HERE. To support this show, please leave a rating & review on Apple, Spotify, or wherever you get your podcasts. Subscribe, like, comment & share via my YouTube channel. Or recommend this to a friend!Learn more about Do No Harm.Take $200 off your EightSleep Pod Pro Cover with code SOMETHERAPIST at EightSleep.com.Take 20% off all superfood beverages with code SOMETHERAPIST at Organifi.Check out my shop for book recommendations + wellness products.Show notes & transcript provided with the help of SwellAI.Special thanks to Joey Pecoraro for our theme song, “Half Awake,” used with gratitude and permission.Watch NO WAY BACK: The Reality of Gender-Affirming Care (our medical ethics documentary, formerly known as Affirmation Generation). Stream the film or purchase a DVD. Use code SOMETHERAPIST to take 20% off your order. Follow us on X @2022affirmation or Instagram at @affirmationgeneration.Have a question for me? Looking to go deeper and discuss these ideas with other listeners? Join my Locals community! Members get to ask questions I will respond to in exclusive, members-only livestreams, post questions for upcoming...

Saddle up, #TexasCleanFreaks–because this week we're tackling one of the sneakiest budget-busters in SPD—power equipment failures! Join Dusty Glass as he sits down with Elvis Lormeus, Corporate Product Manager at STERIS, to dive into the hidden dangers behind equipment breakdowns in Sterile Processing. You'll discover how small missed steps in reprocessing can lead to major power equipment failures—and how preventive maintenance, IFU knowledge, and smart vendor support can help your team stay a step ahead. This episode of Everything is Cleaner in Texas is packed with insights and strategies to keep your power equipment running strong when it matters most, so tune in today! A special thanks to our sponsor, STERIS IMS, for making this series possible! Their commitment to education and excellence in the Sterile Processing industry has been instrumental in bringing this series to life. Make sure to follow us on LinkedIn and Facebook so you never miss a new episode! After finishing this interview, earn your 1 CE credit immediately by passing the short quiz linked below each week. Visit our CE Credit Hub at https://www.beyondcleanmedia.com/ce-credit-hub to access this quiz and over 350 other free CE credits.  #BeyondClean #STERISIMS #EverythingIsCleanerInTexas #SterileProcessing

Your bad estate plan is going to cost you! In today's episode, Lauren Klein, a Florida-based tax and estate planning attorney, discussed the critical components of effective estate planning. She debunks myths about revocable trusts, touches on the importance of regularly updating estate plans, and shares on the unethical financial incentives some attorneys may have to let plans fall short. We also talk the strategic use of irrevocable trusts, asset titling, and state-specific protections like Florida's homestead laws for enhanced asset security. We discuss... Lauren Klein is a Florida-based tax, trust, and estate attorney who works nationally, helping clients with estate planning, probate avoidance, and tax strategies. Probate happens when someone dies owning assets solely in their name without a beneficiary or trust.  Probate adds stress during grief and often sparks disputes—especially if there's no clear plan or distant relatives get involved. Family fights usually come from unresolved issues, emotional baggage, or greed. Clear planning helps prevent conflict, though it can't always stop it. Many assume a will or trust avoids probate, but trusts must be properly funded—assets need to be retitled into the trust or have it listed as beneficiary.  The estate planning industry is too transactional—clients get documents but little follow-up. After a death, families often struggle to locate and transfer assets legally while grieving. It requires attorneys, paperwork, and patience. A common myth is that revocable trusts protect assets from taxes or lawsuits. They don't during your lifetime—but they help avoid probate and add control. Revocable trusts shine when passing assets to kids. They can protect inheritances from divorce or lawsuits and become irrevocable (and stronger) after death. Trusts are especially helpful for blended families and young kids. You can distribute assets in stages and add estate tax protection with proper planning. Irrevocable trusts offer stronger protections but are more complex and better suited for high net worth or special planning needs. Asset protection varies by state—Florida, for example, offers homestead and tenancy protections. Even how you title a car can matter. Retirement accounts and life insurance have some protection, but it depends on the state. Listing all assets is key to building a strong estate plan. Crypto is showing up more in estate planning. It requires special steps to protect and transfer securely. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/bad-estate-planning-lauren-klein-714 

Clarity should bring peace… but what if it feels heavy instead? Learn what it's really costing you — and how to respond with self-trust.In this Part 5 of the Living By Your Standards series, host Chris Oh dives into the hidden emotional and psychological costs of clarity — the part of personal growth no one talks about.Clarity is essential if you want to live by your own standards. But what happens after you know your truth? Why do guilt, fear, or tension show up when you're finally clear on your values, decisions, or direction?Whether you're going through a mindset shift, making big life changes, or stepping into new boundaries — this conversation will help you understand:Why clarity often feels heavy, not peacefulThe 3 hidden costs of clarity: relational, identity, and comfortHow your brain resists uncertainty (even when it's right for you)How to move from awareness to aligned action with more self-trustThis is a powerful follow-up to our last episode on discernment — and a must-listen if you've ever thought, “I know what I want, but I don't know how to live it yet.”

In this episode of Volunteer Nation, Tobi Johnson sits down with Jennifer Sirangelo, President & CEO of Points of Light, to explore why volunteerism is not just a “nice to have”, it's a necessity. Jennifer shares her inspiring journey into the nonprofit world and offers a behind-the-scenes look at Points of Light's mission to position volunteer management as essential infrastructure. Together, they unpack key insights from the groundbreaking report From Nice to Necessary, which outlines the urgent need for increased investment in volunteer engagement. If you're a nonprofit leader, volunteer coordinator, or advocate for civic engagement, this episode will leave you energized and equipped to make the case for stronger volunteer systems. Full show notes: 163. New Research from Points of Light with Jennifer Sirangelo Points of Light - Episode Highlights [03:01] - Jennifer's Nonprofit Journey [05:47] - The Importance of Volunteerism and Civic Engagement [08:36] - Challenges and Opportunities in Volunteer Management [09:08] - The State of Volunteering Today [20:07] - The Hidden Costs of Volunteer Engagement [24:37] - Discussing Healthcare Access and Volunteer Management [26:02] - Theory of Change in Volunteering [27:41] - Challenges in Measuring Volunteer Impact [29:32] - Research and Data in Volunteerism [33:35] - Engaging Funders in Volunteerism [34:55] - Addressing Volunteer Infrastructure [38:44] - Digital Marketing and Volunteer Recruitment [43:42] - Supervisory Ratios and Staffing Helpful Links Volunteer Management Progress Report  Volunteer Nation Episode #047: The State of Volunteer Engagement with Dr. Sue Kahl and Nathan Dietz Volunteer Nation Episode #71: Partnering with Funders to Support Volunteer Engagement with Jane Justis & Betsy McFarland Volunteer Nation Episode #158: Nonprofit Capacity Building with the Community Foundation for a greater Richmond Volunteer Nation Episode #81: How Vol Services & Nonprofit Marketers Can Work Together with Kivi Leroux Miller  Points of Light, From Nice to Necessary: Unleashing the Impact of Volunteering Through Transformative Investment  Contact Points of Light  Find Jennifer on LinkedIn Thanks for listening to this episode of the Volunteer Nation podcast. If you enjoyed it, please be sure to subscribe, rate, and review so we can reach more people like you who want to improve the impact of their good cause. For more tips and notes from the show, check us out at TobiJohnson.com. For any comments or questions, email us at WeCare@VolPro.net.

Are free trials costing your studio more than they're helping?In this episode, Chantelle and Michelle reveal the 5 biggest downsides to free trials—and what to do instead if you want better retention, smoother operations, and more confident enrolments.You'll learn:Why free trials double your workload without guaranteeing enrolmentsHow they secretly impact your retention rates and teacher focusWhat to do instead that boosts your bottom line and studio positioning

Jon Buehler from Jacksonville asks: "How do you maintain the consistency and intensity with prospecting? I find myself doing these sprints to get momentum, but struggle to keep that momentum going for long, sustained periods of time." Jon's question gets to the heart of one of the most significant challenges in sales: maintaining disciplined, consistent, daily prospecting over the long haul. It's a challenge that plagues even experienced sales professionals. In this Ask Jeb article and Sales Gravy Podcast, I dig into why this happens and how to fix it. The Prospecting Paradox Prospecting is the lifeblood of sales success, yet it's the activity most salespeople hate and avoid. This creates a dangerous pattern I call the "desperation rollercoaster"—a cycle that wreaks havoc on your results, your mental health, and ultimately your career. Here's how it works: You prospect hard for a while, fill your pipeline, and start closing deals. Life is good. Then you get busy servicing those new clients and tell yourself you've "earned a break" from prospecting. Your prospecting activity slows down or stops entirely. Fast forward 30-90 days, and suddenly your pipeline is dry. Panic sets in. Your manager is breathing down your neck. Your commission checks shrink. Only then do you rediscover your "motivation" to prospect. And the cycle repeats. Up and down. Feast and famine. This isn't a strategy; it's a recipe for burnout and inconsistent performance. The Hidden Costs of Inconsistent Prospecting The desperation rollercoaster creates damage far beyond just an empty pipeline. When you're desperate for deals, everything about your sales approach deteriorates: You become pushy and pitchy instead of consultative You come across as desperate and insecure You focus exclusively on what YOU need, not what the PROSPECT needs Your discovery questions become shallow You skip crucial steps in your sales process You discount aggressively because you have no leverage Your negotiation and closing skills deteriorate In short, when you're desperate for deals, you sell terribly. Inconsistent prospecting doesn't just hurt your pipeline—it undermines your entire sales approach. The 30-Day Rule: Why Consistency Matters More Than Intensity In Fanatical Prospecting, I discuss the "30-Day Rule": The prospecting you do in this 30-day period will pay off in the next 90 days. This rule explains why inconsistent prospecting is so dangerous. When you take even a single day off from prospecting, it creates a hole in your pipeline 30-90 days from now. Take a week off, and you create a significant gap. Take a month off, and you essentially guarantee a sales crisis in your near future. Understanding this principle makes it crystal clear why consistency trumps intensity every time. I'd rather see you make 20 prospecting calls every day for a month than 100 calls in a single day and nothing for the rest of the month. The Pain and Pull Method for Maintaining Motivation So how do you maintain your prospecting discipline when motivation inevitably fades? I use the "Pain and Pull" method. The Pain: Visualize the Consequences When I don't feel like prospecting (and yes, even after decades in sales, I still have those days), I vividly picture what will happen if I skip it: The stress of an empty pipeline 60 days from now The uncomfortable conversation with my team The hit to my income and reputation The desperation that will undermine my sales approach By focusing on the pain I'll experience in the future if I skip prospecting today, I create immediate motivation to pick up the phone. The Pull: Connect to Your Why My friend Victor Antonio calls this "the big pull," connecting your daily prospecting discipline to your most important goals and aspirations. Nobody wakes up excited to make cold calls. But many people wake up excited about buying their dream home, sending their kids to college,

In this episode, Marcia discusses the detrimental effects of negativity on our brains, attractiveness, and aging. She elaborates on the role of the Reticular Activating System (RAS) in filtering our perceptions based on our thoughts, beliefs, and emotions.  Through anecdotal evidence and personal insights, Marcis emphasises the importance of maintaining a positive mindset, emotional resilience, and fostering a supportive social environment. She also highlights the impact of stress and negativity on our biological aging process. Listeners are encouraged to focus on solutions, practice gratitude, and choose positivity to enhance their overall well-being and success. 00:41 The Hidden Costs of Negativity 03:30 Impact of Negativity on Aging and Attractiveness 05:59 Negativity in Relationships and Leadership 12:34 Choosing Positivity and Emotional Resilience 19:30 Conclusion IG: @marciamiatke | FB: @marciamiatke | LI: @marciamiatke     Join our FREE Emotional Intelligence FB group @eqmovement  Ready to take your life and relationships to the next level? Join our Emotional Intelligence Academy where you'll learn to optimise your emotions, leverage your feminine and masculine energies and show up your most confident and radiant self!

In this episode of The Brainy Business podcast, Melina Palmer dives deep into the concept of inequity aversion and its significant implications for businesses. She explores the human tendency to react strongly against perceived unfairness and how this aversion can impact employee motivation and organizational culture. Melina unpacks the distinctions between equity, equality, and fairness, illustrating how these concepts play out in real-world scenarios, from employee compensation to customer relations. Listeners will gain insights into the psychological drivers behind our reactions to inequity and how businesses can create environments that minimize these negative feelings. Melina shares practical strategies for fostering fairness and transparency within organizations, emphasizing the importance of understanding diverse perspectives and maintaining open communication. With engaging examples, including the famous capuchin monkey experiment, she highlights the necessity of addressing inequity before it becomes a significant barrier to productivity and morale. In this episode: Understand the concept of inequity aversion and its effects on decision-making. Learn the differences between equity, equality, and fairness in business contexts. Explore real-life examples that illustrate the consequences of perceived unfairness. Discover strategies for creating a fair and equitable workplace. Gain insights into the psychological principles that drive employee motivation and engagement. Get important links, top recommended books and episodes, and a full transcript at thebrainybusiness.com/496. Looking to explore applications of behavioral economics further?  Learn With Us on our website. Subscribe to Melina's Newsletter Brainy Bites.  Let's connect: Send Us a Message Follow Melina on LinkedIn The Brainy Business on Youtube The Brainy Business on Instagram

A Note from James:Marty Makary is the new head of the FDA, but he is also an old friend of the podcast. He's been on several times, and it's really important to know how this is going to be a new and different FDA, and it's going to be molded by Marty's very specific opinions about healthcare and the medical industry—and here they are.Episode Description:In this episode, James reconnects with Dr. Marty Makary, now heading the FDA, to discuss what's broken in the American healthcare system—and what can actually be done about it. Marty pulls back the curtain on the realities of medical pricing, why unnecessary surgeries happen more often than most suspect, and how medical education is failing future doctors and patients alike. They explore the origins of Marty's bestselling books, the TV adaptation of Unaccountable, and why your hospital bill may have little to do with actual care. This conversation is a rare window into what's really happening inside hospitals and policy rooms—and what the future of smarter, more humane healthcare could look like.What You'll Learn:Why 11% of surgeries and 21% of all medical care may be unnecessary—and what's driving that trend.How hidden costs, out-of-network billing, and surprise charges are crippling Americans financially.What reforms are gaining traction in Congress and why hospitals may be resisting them.How nutrition, inflammation, and simple wellness practices are overlooked in modern medicine.What questions you should ask your doctor to avoid inappropriate or excessive care.Timestamped Chapters:[00:00] Introduction to Marty Makary and the New FDA[01:17] From Book to TV Show: The Journey of Unaccountable[03:42] The Price We Pay: Unveiling Healthcare Costs[09:06] Medical Education and Its Flaws[15:01] The Hidden Costs of Healthcare[34:52] Inappropriate Care and Its Consequences[43:14] The Referral Business in Medicine[44:00] Unnecessary Surgeries: A National Concern[44:48] Malpractice Fears and Their Impact[47:33] The Overuse of Antibiotics[50:28] Inappropriate Medical Care: Real-Life Examples[53:45] The Role of Nutrition and Wellness in Healthcare[58:15] Innovative Medical Education and Training[01:00:36] The Importance of Experience in Medical Practice[01:18:32] The Future of Healthcare: Inflammation and Biome Health[01:20:53] Final Thoughts and Practical Health TipsAdditional Resources:Dr. Marty Makary's websiteUnaccountable by Marty MakaryThe Price We Pay by Marty MakaryThe Resident (TV Series)Healthcare BluebookRestoring MedicineSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nick and Tyler talk about what it really costs to grow a business—and why scaling back might be the smartest move you can make. They unpack the illusion that more work equals more success, the hidden costs of chasing bigger numbers, and how to build a company that actually works for you, not just your spreadsheet. From forecasting cash flow to facing the uncomfortable truths behind low-margin projects, this episode is a must-listen for anyone feeling the pressure to grow without a plan. Whether you're doing $1M or $10M a year, the real question is: are you making it work, or is it working you?   Show Notes:  Modern Craftsman Podcast Introduction and Sponsor Acknowledgements (0:00) Personal Experiences with Real Estate and Housing Market (8:21) Comparing Home Building to Custom Car Building (18:07) Scaling Business and Managing Growth (30:05) Employee Management and Career Development (36:12) Balancing Business Goals and Personal Life (59:24) Dad's Active Lifestyle and Its Impact (1:01:58) Business Vision and Scaling Plan (1:15:57) Promoting the Newsletter and Behind-the-Scenes Content (1:17:46) Nick's Vulnerability and Reader Engagement (1:19:47) VIdeo Version https://youtu.be/2QyINuxS-9U   Partners:  Andersen Windows Buildertrend Velux Harnish Workwear  Use code H1025 and get 10% off their H-label gear   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media