Podcasts about hidden costs

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  

Is Home Ownership Still Affordable? Exploring California's Housing Market ChallengesIn this episode, Vito discusses the current state of housing affordability in California and other parts of the United States. With home insurance premiums skyrocketing by nearly 50% since 2020, and home maintenance costs swelling due to inflation, buying a house has become increasingly difficult. The video explores alternative investments, such as rental properties in more affordable states like Texas, and delves into insights from the National Association of Realtors (NAR) on home sales projections, mortgage rates, and housing inventory. Vito also highlights the challenges faced by first-time home buyers, showcases some unique property listings, and provides tips for preparing a home for sale.Hidden homeownership costs are straining affordabilityNAR Forecast: Home Sales Expected to Jump 14% in 2026San Jose Real Property Transfer Tax Increases to homes sold over $2.3 million.12 County Bay Area Real Estate ReportCupertino Home of the WeekWillow Glen Home of the WeekLuxury Home of the WeekFIRE MAPFREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/HomebuyerchecklistHome Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklist 00:00 Introduction: Is Home Ownership Still Affordable?00:17 Hidden Costs of Home Ownership00:51 Insurance Premiums and Rising Costs01:32 Alternative Housing Options01:59 NAR Forecast and Market Predictions04:03 Challenges for First-Time Home Buyers04:43 Cupertino House of the Week06:03 Willow Glen House of the Week06:30 Luxury Home of the Week06:58 Conclusion and Market Overview

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

Jane Dutton (standing in for Relebogile Mabotja) speaks to consumer journalist Wendy Knowler about companies offering 'extras' to consumers - often added as the default - which are not needed, because it is already covered by law. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

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!

⬥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: 

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, Stefan Lutzmayer, from IQVIA's EMEA Thought Leadership team, speaks with Özgür Tuncer, CEO & Executive Director of Stablepharma, about the growing complexity of the pharmaceutical cold chain and how innovation could make it more resilient, sustainable, and accessible.IQVIA's EMEA Thought Leadership team analyses major trends shaping the pharmaceutical market and their implications for healthcare systems and companies across the region.You'll hear about:•Why “keeping it cold” is more than logistics—it's about safety, equity, and sustainability•Where breakdowns happen in practice, from transport to site of administration•Why the cold chain is not just an issue of low- and middle-income countries•How hidden costs and emissions make the cold chain a big topic for healthcare systems around the world•The promise of thermostable technology to reduce waste, cut costs, and expand access globallyListen in for practical insights on how the next decade of cold-chain innovation could reshape the future of biologics and global health.For more insights, read IQVIA's white paper “Tip of the Iceberg: Economic and Environmental Impact of the Vaccine Cold Chain.”

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.

In this episode of the Mindset Matters podcast, Patrick and Steffany unpack one of the most profound truths about personal growth: everything worth having comes with a cost of entry. Creating a life by design requires more than intention or vision—it asks for commitment, awareness, and the willingness to pay the invisible prices of self-mastery. Patrick introduces the Seven Costs of Entry as essential truths for anyone pursuing growth and transformation. Each cost represents the discomfort required to evolve into the best version of yourself: Uncertainty is the cost of achievement. True success has no guarantees. If you need certainty, you'll trade your dreams for comfort. Imposter syndrome is the cost of growth. Feeling unqualified means you're stretching into new territory. Loneliness is the cost of transformation. As you evolve, not everyone will evolve with you. Embarrassment is the cost of progress. Growth is messy, and fear of looking foolish keeps many people stuck. Courageous conversations are the cost of meaningful relationships. Authentic connection requires honesty, even when it's uncomfortable. Criticism is the cost of excellence. The higher you climb, the more visible—and judged—you become. Boredom is the cost of success. True mastery is built on repetitive, often unglamorous consistency. Through relatable stories and practical insights, Patrick and Steffany connect these seven costs to the MindShui Way—clearing mental clutter, embracing discomfort, and aligning with purpose. Their message is simple but powerful: the world belongs to those willing to pay the real price of growth. Tune in to explore how reframing discomfort as the natural cost of progress can help you step into clarity, confidence, and a truly meaningful life.

Renting pressure washing equipment seems affordable until you factor in repairs, wasted weekends, and potential property damage. Learn what rental companies don't disclose upfront.To learn more, visit: https://www.affordable-and-professional.com/our-power-washing-and-gutter-cleaning-and-gutter-guard-and-window-washing-services Affordable & Professional Window & Gutter Cleaning PowerWashing Services City: Freehold Address: 18 Willow Brook Rd Website: https://www.affordable-and-professional.com/

Beyond the higher consumer prices and animal losses, outbreaks are also very costly to monitor and contain.

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.

Episode 85 Each October, the city of Detroit braced for three nights of chaos known as Devil's Night—a grim tradition of arson and destruction that peaked in the 1980s with hundreds of fires set across the city. But behind the headlines and the flames lies a story of resilience, strategy, and a community that refused to burn. In this episode, we take you inside the rise and fall of Devil's Night—how economic collapse, political scandal, and desperation turned mischief into mayhem, and how Detroit's residents, firefighters, and city leaders fought back through the “Angels' Night” campaign. We'll trace the legacy of those fire-filled nights and ask: what happens when a city becomes known not for its industry, but for its inferno? Listen to You Should Be Here on your favorite podcast app including Apple Podcasts and Spotify. The new season, Cases that Haunt us is out now! The Crime to Burn Patreon - The Cult of Steve - is LIVE NOW! Go join and get all the unhinged you can handle. Click here to be sanctified.  Inner Sanctum Acknowledgments: Eternal gratitude to our Inner Sanctum patrons, Jenny Mercer and Laura Pisciotta, for helping us bring light to the stories others would rather leave in the ashes. Listener discretion is advised. Background music by Not Notoriously Coordinated  Get your Crime to Burn Merch! https://crimetoburn.myspreadshop.com Please follow us on Instagram, X, Facebook, TikTok and Youtube for the latest news on this case. You can email us at crimetoburn@gmail.com We welcome any constructive feedback and would greatly appreciate a 5 star rating and review.  If you need a way to keep your canine contained, you can also support the show by purchasing a Pawious wireless dog fence using our affiliate link and use the code "crimetoburn" at checkout to receive 10% off. Pawious, because our dog Winston needed a radius, not a rap sheet.  Sources:  Maciak, Barbara, PhD, MPH, et al. (1999). Preventing Halloween Arson in Urban Settings: A Model for Multisectoral Planning and Community Participation. Journal of Public Health Management and Practice. JSTOR link Zaharan, Sammy, et al. (2019). Hidden Costs of Blight and Arson in Detroit: Evidence From a Natural Experiment in Devil's Night. Ecological Economics, Volume 158, pp. 266–277. ScienceDirect link Anonymous (2021, October 31). The Devil's Night: On the Ungovernable Spirit of Halloween. Ill Will Editions. illwill.com/devils-night Chafets, Ze'ev. (1990). Devil's Night and Other True Tales of Detroit. Random House. LeDuff, Charlie. (2013). Detroit: An American Autopsy. Penguin Books.

Is getting bigger always better for startups? This episode dives into the hidden costs of scaling up and how growth can sometimes make a company worse, not better. Ryan and Will discuss the trade-offs between size and quality, using examples like Google and PayPal. They explore how rapid growth can diminish company culture, slow down decision-making, and introduce inefficiencies. The conversation also covers personal experiences in startup growth, emphasizing the importance of optimizing for better rather than just bigger. Whether it's adding more staff or raising capital, they advocate for making decisions that enhance company quality and founder life satisfaction.Resources:Startup Therapy Podcasthttps://www.startups.com/community/startup-therapyWebsitehttps://www.startups.com/beginLinkedInhttps://www.linkedin.com/company/startups-co/Join our Network of Top FoundersWil Schroterhttps://www.linkedin.com/in/wilschroter/Ryan Rutanhttps://www.linkedin.com/in/ryan-rutan/What to listen for:00:14 The Myth of Bigger is Better00:43 Examples of Companies That Grew and Suffered02:00 The Hidden Costs of Scaling05:08 Personal Experiences with Growth Challenges13:01 The Importance of Freedom and Quality17:18 The Hidden Costs of Growth17:58 Balancing Growth and Quality of Life20:39 Defining Non-Negotiables for Better Business22:33 Scaling with Soul: Maintaining Company Culture24:41 Quality Over Quantity: Making Strategic Decisions28:07 The Power of Saying No31:15 Sticking to Your Values for Sustainable Growth

R. Jisung Park is assistant professor at the University of Pennsylvania, where he holds appointments in the School of Social Policy and Practice and the Wharton School of Business.It's hard not to feel anxious about the problem of climate change, especially if we think of it as an impending planetary catastrophe. In Slow Burn: The Hidden Costs of a Warming World (Princeton UP, 2025), R. Jisung Park encourages us to view climate change through a different lens: one that focuses less on the possibility of mass climate extinction in a theoretical future, and more on the everyday implications of climate change here and now.Drawing on a wealth of new data and cutting-edge economics, Park shows how climate change headlines often miss some of the most important costs. When wildfires blaze, what happens to people downwind of the smoke? When natural disasters destroy buildings and bridges, what happens to educational outcomes? Park explains how climate change operates as the silent accumulation of a thousand tiny conflagrations: imperceptibly elevated health risks spread across billions of people; pennies off the dollar of productivity; fewer opportunities for upward mobility.By investigating how the physical phenomenon of climate change interacts with social and economic institutions, Park illustrates how climate change already affects everyone, and may act as an amplifier of inequality. Wealthier households and corporations may adapt quickly, but, without targeted interventions, less advantaged communities may not.Viewing climate change as a slow and unequal burn comes with an important silver lining. It puts dollars and cents behind the case for aggressive emissions cuts and helps identify concrete steps that can be taken to better manage its adverse effects. We can begin to overcome our climate anxiety, Park shows us, when we begin to tackle these problems locally. This interview was conducted by Dr. Hannah Pool, a senior researcher at the Max Planck Institute for the Studies of Societies. Her research focuses on human mobilities and her new book has just been published (2025, Oxford University Press). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Are you trading too much and losing more than you think? Discover the mental, financial, and emotional toll of overtrading—and how to protect your account.In this episode, Brian dives deep into the 7 hidden costs of overtrading that can quietly destroy your trading performance, confidence, and growth.Overtrading isn't just about losing money—it affects your mental focus, decision-making, learning process, and even your time. If you're struggling to stick to your trading plan or find yourself taking too many trades, this episode is a must-listen.Brian discusses: Mental Fatigue – How trading too much exhausts your brain and slows reaction times.Blurry Focus – Why scattered attention leads to missed signals and suboptimal trades.Lower Quality Decisions – How overtrading weakens judgment and breaks your rules.Drain of Capital – Small losses pile up quickly and erode your account.Lost Learning – Skipping journaling and trade reviews slows skill growth.Confidence Collapse – Taking unnecessary trades chips away at your self-belief.Time Theft – Why chasing lower-quality setups dilutes your system and steals precious time.By understanding these hidden costs, you can trade smarter, protect your capital, and improve your long-term performance.If you found this episode helpful, subscribe to the Learn to Swing Trade the Stock Market podcast, leave a review, and share it with a fellow trader who might be overtrading without realizing it.Bonus! As promised, here is the link to the DTA A+ Trade SetUp Checklist - https://bit.ly/3Z0gWe9Ready to take your swing trading to a whole new level? Check out the Disciplined Traders Academy & Community - https://bit.ly/3Mm41N9

R. Jisung Park is assistant professor at the University of Pennsylvania, where he holds appointments in the School of Social Policy and Practice and the Wharton School of Business.It's hard not to feel anxious about the problem of climate change, especially if we think of it as an impending planetary catastrophe. In Slow Burn: The Hidden Costs of a Warming World (Princeton UP, 2025), R. Jisung Park encourages us to view climate change through a different lens: one that focuses less on the possibility of mass climate extinction in a theoretical future, and more on the everyday implications of climate change here and now.Drawing on a wealth of new data and cutting-edge economics, Park shows how climate change headlines often miss some of the most important costs. When wildfires blaze, what happens to people downwind of the smoke? When natural disasters destroy buildings and bridges, what happens to educational outcomes? Park explains how climate change operates as the silent accumulation of a thousand tiny conflagrations: imperceptibly elevated health risks spread across billions of people; pennies off the dollar of productivity; fewer opportunities for upward mobility.By investigating how the physical phenomenon of climate change interacts with social and economic institutions, Park illustrates how climate change already affects everyone, and may act as an amplifier of inequality. Wealthier households and corporations may adapt quickly, but, without targeted interventions, less advantaged communities may not.Viewing climate change as a slow and unequal burn comes with an important silver lining. It puts dollars and cents behind the case for aggressive emissions cuts and helps identify concrete steps that can be taken to better manage its adverse effects. We can begin to overcome our climate anxiety, Park shows us, when we begin to tackle these problems locally. This interview was conducted by Dr. Hannah Pool, a senior researcher at the Max Planck Institute for the Studies of Societies. Her research focuses on human mobilities and her new book has just been published (2025, Oxford University Press). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs

R. Jisung Park is assistant professor at the University of Pennsylvania, where he holds appointments in the School of Social Policy and Practice and the Wharton School of Business.It's hard not to feel anxious about the problem of climate change, especially if we think of it as an impending planetary catastrophe. In Slow Burn: The Hidden Costs of a Warming World (Princeton UP, 2025), R. Jisung Park encourages us to view climate change through a different lens: one that focuses less on the possibility of mass climate extinction in a theoretical future, and more on the everyday implications of climate change here and now.Drawing on a wealth of new data and cutting-edge economics, Park shows how climate change headlines often miss some of the most important costs. When wildfires blaze, what happens to people downwind of the smoke? When natural disasters destroy buildings and bridges, what happens to educational outcomes? Park explains how climate change operates as the silent accumulation of a thousand tiny conflagrations: imperceptibly elevated health risks spread across billions of people; pennies off the dollar of productivity; fewer opportunities for upward mobility.By investigating how the physical phenomenon of climate change interacts with social and economic institutions, Park illustrates how climate change already affects everyone, and may act as an amplifier of inequality. Wealthier households and corporations may adapt quickly, but, without targeted interventions, less advantaged communities may not.Viewing climate change as a slow and unequal burn comes with an important silver lining. It puts dollars and cents behind the case for aggressive emissions cuts and helps identify concrete steps that can be taken to better manage its adverse effects. We can begin to overcome our climate anxiety, Park shows us, when we begin to tackle these problems locally. This interview was conducted by Dr. Hannah Pool, a senior researcher at the Max Planck Institute for the Studies of Societies. Her research focuses on human mobilities and her new book has just been published (2025, Oxford University Press). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/environmental-studies

R. Jisung Park is assistant professor at the University of Pennsylvania, where he holds appointments in the School of Social Policy and Practice and the Wharton School of Business.It's hard not to feel anxious about the problem of climate change, especially if we think of it as an impending planetary catastrophe. In Slow Burn: The Hidden Costs of a Warming World (Princeton UP, 2025), R. Jisung Park encourages us to view climate change through a different lens: one that focuses less on the possibility of mass climate extinction in a theoretical future, and more on the everyday implications of climate change here and now.Drawing on a wealth of new data and cutting-edge economics, Park shows how climate change headlines often miss some of the most important costs. When wildfires blaze, what happens to people downwind of the smoke? When natural disasters destroy buildings and bridges, what happens to educational outcomes? Park explains how climate change operates as the silent accumulation of a thousand tiny conflagrations: imperceptibly elevated health risks spread across billions of people; pennies off the dollar of productivity; fewer opportunities for upward mobility.By investigating how the physical phenomenon of climate change interacts with social and economic institutions, Park illustrates how climate change already affects everyone, and may act as an amplifier of inequality. Wealthier households and corporations may adapt quickly, but, without targeted interventions, less advantaged communities may not.Viewing climate change as a slow and unequal burn comes with an important silver lining. It puts dollars and cents behind the case for aggressive emissions cuts and helps identify concrete steps that can be taken to better manage its adverse effects. We can begin to overcome our climate anxiety, Park shows us, when we begin to tackle these problems locally. This interview was conducted by Dr. Hannah Pool, a senior researcher at the Max Planck Institute for the Studies of Societies. Her research focuses on human mobilities and her new book has just been published (2025, Oxford University Press).

Most people think anxiety keeps you stuck in inaction — hiding, avoiding, or freezing. But with high-functioning anxiety, it often looks completely different. In this episode, I'm sharing three powerful lessons I've learned from helping hundreds of high-achieving professionals manage their anxiety — lessons that may just change the way you see yourself.   In this episode, you will learn: The unexpected way anxiety drives high achievers to cope A common pattern that leaves you drained without realizing it A powerful shift that can help you finally feel calmer   3-Part High-Functioning Anxiety Series: Part 1: The Hidden Costs of High-Functioning Anxiety: https://youtu.be/X1rd5sb7hRo Part 2: The Cycle of High-Functioning Anxiety (and How to Finally Break It): https://youtu.be/PVZhxcSx5hs Do you have unrealistic expectations?: https://youtu.be/xEkbSU53zJo   ——————— Calmly Coping is a self-improvement podcast for high achievers who struggle with high-functioning anxiety to help you feel more calm, balanced, and confident from within. ———————   ✨ Learn more about the brand new Calm & Ambitious Resource Vault: https://www.calmlycoping.com/vault  

When buying a home, a mortgage isn't the only thing that can weigh down your finances. From repairs to maintenance, the true costs of owning a home can surprise you.

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 this episode of the Sunlight Tax podcast, I dig into the real impact of Buy Now, Pay Later (BNPL) services on spending habits and financial health. These “pay-later” plans may seem harmless, but they can quietly lead people, especially young consumers—into cycles of debt and financial stress. I break down how BNPL changes the way we think about money, what the long-term risks are, and why financial education is one of the most effective tools for protecting yourself. Research shows that learning even the basics of personal finance can save you tens of thousands of dollars over your lifetime.   Also mentioned in this episode: 02:00 Introduction to Personal Finance and Consumer Culture 04:15 The Dangers of Buy Now, Pay Later Services 06:37 The Importance of Personal Finance Education 09:49 The Value of Financial Literacy 12:28 Building Wealth Through Smart Financial Habits 15:11 Conclusion and Call to Action   If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.   Links: New York Times Article: They Got To Live A Life Of Luxury. Then Came The Fine Print  'Buy Now, Pay Later' has built a delirious new culture of consumption — and trapped users in a vortex of debt. CNBC Article: You can put a price tag on the value of a personal finance education: $100,000 Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Check out my program, Money Bootcamp Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions  

In Today's Episode... Jordan Pendleton delves into the multifaceted impacts of alcohol on personal finances, relationships, and emotional well-being. She shares her personal journey of healing and self-discovery, highlighting the intertwined nature of alcohol consumption, financial habits, and relational dynamics. The discussion emphasizes the importance of self-awareness, cultural influences, and the need for support in navigating the complexities of alcohol use and its effects on life.   Don't forget about this amazing free offer from Jordan. She put a lot of time and effort into this project to be able to offer it to you, absolutely free! Take advantage now while you can! eBook: Couples Guide to Getting on the Same Page About Money   Reminder: Subscribe, Rate & Review this podcast!   Whatever platform you are listening on, make sure to follow or subscribe & sign up for notifications for when weekly episodes drop every week! And if you feel called, please leave a rating and review. This helps us to reach more people!  JordanPendleton.com

Ziv Nakajima-Magen's presentation at the JRE Summit, autumn 2025.

Creating impactful training programs for nonprofit teams takes more than good intentions; it takes strategy. In this episode of Learning for Good, we're diving deep into the hidden and high costs of getting training wrong. From budget overruns to burnout, I'm breaking down what nonprofit leaders risk when they don't start with the right diagnosis—and how to get it right.This conversation is especially critical for leaders focused on nonprofit leadership development, staff training and development, and building a culture of learning that drives mission impact. Whether you're exploring learning and development strategies or already implementing instructional design in nonprofit organizations, this episode gives you a practical lens for avoiding costly missteps.▶️ Key Points:01:52 Training doesn't always work02:31 Wasted resources06:32 Hidden costs08:20 Missed impact09:21 How to ensure you don't build the wrong thingResources from this episode:Catch up with Episode 152: When Training Works and When It Doesn't and Episode 154: Why So Many Trainings Fail.Join the Nonprofit Learning and Development Collective Catalyst Tier before November to attend our group coaching session around solving the right problems with the right solutions:  https://www.skillmastersmarket.com/nonprofit-learning-and-development-collectiveWas this episode helpful? If you're listening on Apple Podcasts or Spotify, follow and leave a review!

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive into one of the biggest lifestyle and financial questions facing retirees — when and how to downsize. They explore the emotional and financial sides of moving to a smaller home, freeing up cash flow, and simplifying life in retirement. Jim and Casey walk through key considerations such as market timing, tax implications, and the impact of housing costs on your long-term plan. They also share real client stories of those who downsized successfully (and those who wish they'd done it sooner), along with practical guidance on how to decide whether now's the right time to make the move. Whether you're thinking about selling your family home, relocating to a lower-cost area, or exploring retirement communities, this episode will help you make an informed decision that supports both your heart and your balance sheet.

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. ------