Podcasts about hidden fees

ATM fees, checking account fees, airport baggage fees... it adds up. It may pale in comparison to the fees you will pay in retirement. How does Golden Reserve fight it? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

In this episode of The Dental Brief, Patrick Chavoustie and guest Mandy uncover the costly systems, third-party programs, and outdated processes that many dentists are still paying for — without even realizing how much it's costing them. Discover how to:-Reduce or eliminate processing fees-Take control with in-house membership programs-How to gain clarity and take control of your expenses-Save thousands each year and reinvest in your practiceAbout the guest: Mandy Madeline is the Chief Sales Officer at Pay Proudly Health and a Champion of Practice Transformation in the dental industry.Mandy has over 18 years of experience in the dental field, starting as a dental assistant and growing into leadership roles in administration and operations. Now, she helps dental practices nationwide streamline their payment systems, maximize profitability, and enhance the patient experience. Learn more: payproudlyhealth.com  ***** SPONSOR: – Omni Premier Marketing: https://omnipremier.com/dental-marketing/ CONNECT: – Facebook: https://www.facebook.com/thedentalbrief/ – Instagram: https://www.instagram.com/thedentalbriefpodcast/ – LinkedIn: https://www.linkedin.com/in/dental-brief-podcast-564267217 – Patrick's LinkedIn: https://www.linkedin.com/in/pchavoustie/– Youtube: https://www.youtube.com/channel/UCd08JzybKfNH0v12Q9jf50w WEBSITE: – https://dentalbrief.com/

In this conversation, Kevin discusses various aspects of retirement planning, including the cultural phenomenon of tipping, the hidden fees associated with retirement accounts, the importance of professional guidance, guaranteed income strategies, and the impact of inflation on retirement finances. He emphasizes the need for individuals to be aware of their financial situations and to seek professional help when necessary to ensure a secure retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Heated seats, adaptive cruise—your car has it all… until the subscription ends. Welcome to the age of locked features, where convenience comes with recurring bills. Drivers are realizing: today's 'smart' car might just be a clever way to keep you paying. On the show: Heyang, Steve Hatherly & Yushan

You are buying a house, secured the down payment and ready to get going, however there are a number of other fees you need to consider when buying a new home. To tell us more about it and what homebuyers need to know we have Robert Saunders, CEO and co-founder of Ownright, joins us. Find out more at ownright.com and connect on X/Twitter. Connect with Robert on LinkedIn.

In this episode of Retirement For Living, Taylor Lee discuss critical aspects of retirement planning, including the impact of hidden fees in retirement accounts, market trends, and the importance of having a comprehensive retirement plan. He also shares personal insights and updates, emphasizing the need for strategic financial planning to navigate social security and retirement income effectively. For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The hidden fees of buying a home. Robert Saunders, CEO and co-founder of Ownright, takes us through them. How to maximize your income beyond your base salary. Amit Sonnilal, VP of Capital One Canada, shares his tips for taking advantage of every dollar. Then, a look at a frozen labour market. Economist Todd Hirsch explains what it is and how it can impact the economy.  Plus, we speak with Galen MacLusky, Director of Frontline Programs at Prosper Canada, about their new Resilient Futures Initiative. To find out more about the guests check out: Todd Hirsch: toddhirsch.com | LinkedIn Ownright: ownright.com | X/Twitter Robert Saunders: LinkedIn Amit Sonnilal: capitalone.ca | Instagram | Facebook Galen Maclusky: prospercanada.org | X/Twitter | Facebook | LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

In this episode, we discuss what property managers should really charge — and the hidden fees that could be quietly draining your rental income.You'll learn:What a “normal” property management fee actually includesThe sneaky charges many landlords get stung withAnd how to spot when your manager is overcharging for basic servicesWant to know if you're paying too much? Here's the breakdown of property management costs in NZ and how to compare what you're being charged.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠

In this episode of Greater Perimeter Business Radio, Ramzi Daklouche is joined by Mitch Torbett, Senior Director of Sales at Payroc. Mitch shares his journey from building cell towers to excelling in the payment processing industry. The discussion covers the differences between direct and third-party processors, emphasizing how businesses can save on fees by choosing […]

This week on Charleston's Retirement Coach, Brandon Bowen discusses the importance of understanding hidden fees in financial portfolios, the value of transparency in financial advising, and the mindset needed for a fulfilling retirement. He emphasizes the need for a customized retirement blueprint to ensure financial independence and confidence in retirement planning. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Abrar Al-Heeti from CNET joins Dave to break down the week's biggest tech stories. They dive into the Justice Department's push to break up Google's monopoly, Apple quietly dropping "Available Now" from its AI promises, and Airbnb's long-overdue transparency on hidden fees. Plus, they explore how ChatGPT is reshaping search engines and reflect on Zuckerberg's near-miss decision to spin off Instagram. It's a fast-paced tour through tech's latest headlines, big moves, and what it all means for consumers.

For additional resources for #eventprofs visit www.productionvaluematters.com Get ready for a special edition episode: live from GO WEST, Canada's premier gathering of meeting and event pros. Matthew teams up with a panel of industry experts to tackle some of the hottest topics shaping the future of events. From skyrocketing costs to the tricky world of preferred and exclusive providers, and the fine print in venue contracts that could make or break your event - they're covering it all.

This week on Success in the New Retirement, hosts Damon Roberts and Matt Deaton discuss the prevalence of scams targeting the older generation, the importance of understanding hidden fees in investment portfolios, and the necessity of tailoring retirement strategies based on age. They emphasize the significance of diversification and proper planning to ensure financial security in retirement. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you aware of the hidden fees in your retirement savings? Certified Financial Planner Mike Douglas discusses the importance of cleaning out financial closets and drawers to uncover potential fees that may be costing you thousands each year. He explains that a thorough review can help identify unnecessary costs and ensure your investments are aligned with your long-term goals. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Many investors focus on market performance but overlook one of the biggest threats to their long-term wealth: hidden fees. These costs—often buried within mutual funds, annuities, and trading expenses—can quietly erode your retirement savings over time. In this episode, Eric reveals the true cost of investing and how to protect yourself from unnecessary financial drains. Here's some of what we discuss:

Could saving your organization thousands (or even millions) of dollars affect the vibrant culture you're working to build? How about your ability to hire or retain the right people? In this episode of Build a Vibrant Culture, Nicole sits down with Robert L. Day, founder of WeAudit.com and author of The Great American Heist: How Credit Card Processors Steal Businesses' Profits. With over 30 years of experience in finance and merchant processing, Robert shares eye-opening insights on how businesses can identify and eliminate hidden fees, protect their bottom line, and ultimately safeguard jobs.They discuss why cost savings are just as critical as revenue growth, how businesses unknowingly lose millions due to unethical credit card processing fees, and why HR professionals should care about financial efficiency. Plus, Robert shares his personal journey—from an unsettled childhood to becoming a leader in financial auditing—and why he's passionate about saving companies and families alike.In this episode, Nicole and Robert discuss: [00:05:55] The hidden cost of ignoring savings[00:18:52] Why saving a dollar is more powerful than earning a dollar[00:37:29] Why HR & leadership must care about cost savingsRobert's books: The Great American Heist https://a.co/d/87pScglSuccessonomics https://a.co/d/7WKEXQLCelebrating 365 Days of Gratitude https://a.co/d/fmYk71iRobert's website: weAudit.comFollow Robert at:X: https://x.com/Robert_L_DayLinkedIn: https://www.linkedin.com/in/robertlday/We are so grateful to Robert for joining us at the Build a Vibrant Culture podcast! 

Learn how to budget for travel, save on flights, and maximize credit card rewards for your next trip. How can you budget and save money for travel? How can you maximize credit card rewards and travel points to help lower trip costs? Hosts Meghan Coyle and Sally French discuss budgeting strategies and travel rewards to help you plan smarter for your trips. They begin by sharing new data that might impact your budget for spring break travel, give some highlights of new airport lounges that opened in Las Vegas and Philadelphia, and discuss a change coming to the Uber app that could affect you if you're traveling abroad. Then, they dig into some options for setting a travel budget, with tips on estimating costs using Google Flights, creating a dedicated travel savings fund, and planning ahead for rising airfare prices. Meghan and Sally also explore some of the ways you can leverage credit card perks and travel rewards to stretch your budget even further.  Resources discussed in this episode: LAS Centurion Lounge Review Capital One Lounge Las Vegas: Hits the Jackpot with Food and Drinks What Credit Cards Can Get Me Into Chase Lounges, And Where Are They Located? Best No Foreign Transaction Fee Credit Cards The Best Days to Book a Flight and When to Fly Best High-Yield Savings Accounts  The Best Travel Credit Card Welcome Bonus Offers Right Now In their conversation, the Nerds discuss: travel budget, how to save money for travel, best travel credit cards, travel points and miles, airline rewards, Google Flights price alerts, budgeting for flights, cheap flights, best time to book flights, credit card travel perks, Southwest Companion Pass, travel savings account, airfare inflation, high-yield savings for travel, vacation budget, flexible travel dates, how to maximize travel rewards, best hotel rewards programs, credit card sign-up bonuses, when to use travel points, credit cards with no foreign transaction fees, airline lounge access, how to get cheap last-minute flights, and unexpected travel expenses.

In this episode of Success In The New Retirement, Damon Roberts and Matt Deaton discuss the intricacies of retirement planning, focusing on hidden fees in financial services, the importance of fiduciary responsibility, and the diverse strategies available for effective retirement income. They emphasize the need for transparency in fees and the value of working with true fiduciaries who prioritize clients' best interests. The conversation also touches on the balance between different investment strategies to optimize retirement outcomes. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This week on Charleston's Retirement Coach, Brandon Bowen discusses the often-overlooked hidden fees in retirement plans, particularly focusing on expense ratios and their impact on retirement savings. He emphasizes the importance of self-managing retirement funds to avoid unnecessary costs and highlights common mistakes people make when planning for retirement, such as not considering health insurance gaps and the earnings test. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Xeno was unveiled at a recent hackathon—the first fully decentralized payment terminal on the XRP Ledger. Seamlessly tap-to-pay with stablecoins (RLUSD), zero fees, and a frictionless merchant & user experience.~This episode is sponsored by Uphold~Uphold Get $20 in Bitcoin - Signup & Verify and trade at least $100 of any crypto within your first 30 days ➜ https://bit.ly/pbnuphold00:00 intro00:20 Sponsor: Uphold00:50 Swipe Fees01:39 Paul Searches For Zero Fees03:08 Crypto Fees Suck Too04:03 Hidden Fees & New Fees04:36 Solana Partnered With Visa05:34 Visa Crypto Cards06:05 Bitcoin POS System Sucks06:38 Worst Solution EVER? Polkadot07:55 Stablecoins Growing Exponentially08:36 Hackathon Kid Solves Problem?09:06 Xenu Demo on XRP Ledger10:38 XRP POS System Details11:18 Revenue Model: Swap Spread Fees11:45 Pay-To-Earn Adoption12:20 Live Demo at Apex Event12:44 Visa TPS Speed13:00 Bank POS systems Incoming13:32 Ethereum Light Nodes14:39 ETH Gas Fees Falling14:50 Layer-2 TPS15:02 Conclusion15:38 outro#Crypto #XRP #Ethereum~Kid Solves $1 Trillion Problem with XRP?

How to Use an Online Divorce Service (Pros & Cons) | Los Angeles Divorce

This week on Success in the New Retirement, hosts Damon Roberts and Matt Deaton discuss their experiences at the WM Phoenix Open, touching on the thrill and pressure of playing golf in front of a large crowd. They then transition into a critical discussion about hidden fees in retirement planning, emphasizing the importance of understanding what you're paying for in investment vehicles like variable annuities and mutual funds. The conversation wraps up with a warning about the dangers of cashing out 401(k)s when changing jobs, highlighting the potential tax implications and the risk of losing retirement savings. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Business is about solving problems—and Edward Kholodenko has spent his life doing just that. From his early years facing discrimination in the Soviet Union to immigrating to Canada and navigating failed ventures, Edward's journey is one of relentless resilience.In this episode of Kosher Money, he shares how he built Questrade, one of Canada's leading trading platforms, overseeing over $60 billion in assets. But his story isn't just about wealth—it's about adaptability, faith in God, and finding opportunities in crisis.  How did a failed computer business in Ukraine shape his future success?  What financial mistakes do most people make?  How did he navigate market crashes, the 2008 financial crisis, and the rise of AI?  What's his best advice for new investors and entrepreneurs? Whether you're an aspiring entrepreneur, a seasoned investor, or someone looking for smart financial insights, this episode is packed with wisdom, lessons, and real-world strategies to help you succeed.  Watch now and learn how to build, grow, and take control of your financial future!✬ SPONSORS OF EPISODE 87 ✬► BITBEAN: Do you have an ambitious company? BitBean builds custom software and provides software solution consulting. (They do tremendous work.) See case studies, learn more and get in touch here: https://bitbean.link/4edg53 ► THE DONOR'S FUND: More people are using this banklike system for charity. With a sleek mobile app or desktop solution, you can keep all your charity giving in a single place, plus there are about a dozen additional perks. Get a free account here: https://thedonorsfund.org/koshermoney ► TWILLORY: Get $18 OFF your first purchase of comfortable clothing for today's casual professional look. Use code CHAI at https://Twillory.com/KosherMoney ► COLEL CHABAD: Please help Israel as its people need all the help they can get! Visit https://www.ColelChabad.org/KosherMoney to make a much-needed donation!TIME STAMPS:00:00 Intro 01:24 Edward's Early Life In The Soviet Union 03:02 Moving to Toronto 04:25 Did You Grow Up Religious? 06:00 Edward's (Growing) Beard 06:48 His First Business Venture in 1991 11:00 The Fall of the Soviet Union 14:35 10,000% Inflation 14:52 Getting Married & Back to Canada 15:54 The Russian Ruble Crisis 16:45 BitBean 17:43 The Donors' Fund 19:31 A Godly Pattern in Edward's Life 20:03 The Impact Of 9/11 On The Business 20:40 The Start of Questrade 26:04 The First Few Years of Questrade 32:28 Another Business Hurdle 34:10 The Effect of Success 37:09 Best Practices for Business Owners 38:37 The Value of Time 39:24 Starting a New Business 41:00 Twillory 42:16 Colel Chabad - Help Israel 43:41 How to Impact Culture in a Biz 45:55 "Can I Steal a Few Minutes?" 46:26 His Advice for Wealthier Families 49:16 Where Edward Sees Opportunities Now 51:51 Trading in the Markets 54:35 Hidden Fees, Crypto, Risks, Oh My! 57:45 Human Advisors vs. Computers & AI 59:12 How Edward Manages His Phone 1:00:27 What's Your Dream, Edward? 1:02:00 His Torah Learning 1:05:40 Contest, Winners & Outro✬ Donate Tax-Deductible and Inspire Millions: Your gift of any size enables Living Lchaim to share uplifting & educational content! » https://www.livinglchaim.com/donate Follow Kosher Money for Bonus Shorts: TikTok - https://www.tiktok.com/@koshermoneypod Instagram - https://www.instagram.com/koshermoneypod Free Call-In-To-Listen Hotline: USA: 605-477-2100 UK: 0333-366-0154 ISRAEL: 079-579-5088Living Smarter Jewish is a fantastic financial resource. Get guidance at https://livingsmarterjewish.org/contact and check out the new school curriculum here: https://livingsmarterjewish.org/schools WhatsApp feedback to 1-914-222-5513All investment strategies and investments involve risk of loss. Nothing contained in our content, ads and videos should be construed as investment or personal advice. #PersonalFinance #JewishLife #questrade #canada #canadalife #LivingLchaim #KosherMoney #KosherMoneyPod

"Can You Get a Divorce Without Hiring a Lawyer? | Los Angeles Divorce

In this conversation, Jordan and Jacqueline continue their conversation with special guest Klas Bäck from Pagos where they do a deeper dive into the intricacies of network tokens and debit routing, discussing their benefits, challenges, and the importance of data in optimizing payment processes. They explore how network tokens can enhance acceptance rates and the complexities involved in implementing debit routing for merchants. The discussion focuses on the need for merchants to engage with their acquiring partners to leverage these technologies effectively. The conversation details the intricacies of BINs (Bank Identification Numbers) and their significance in payment processing. We discuss the differences between six-digit and eight-digit BINs, their applications in fraud prevention, customer relationship management, and transaction routing. Lastly we explore the complexities of payment fees, including interchange rates and downgrades, emphasizing the importance of accurate data in optimizing transaction costs. The discussion highlights the need for merchants to be proactive in understanding their payment systems and the potential financial implications of mismanagement. --------------- Also, Pagos is giving away FREE enriched BIN data on 25 BINs today to listeners. You can get those by clicking here: https://pagos.ai/landing/fraudboxer Klas Bäck - https://www.linkedin.com/in/klasback

Send us a textVic saw a BBL in the wild for the first time in months. Got us thinking about how we will look back on this chapter of historyIf you're completely done with your holiday shopping you're annoying. Keep the snarky comments to yourself. STFUDrones and Luigi have consumed our media the last few weeks and you cant help but wonderHidden fees for hotels, concerts and vacation rentals will now be banned. HUGE!Why doesn't every store let you shop on the app like at Sam's ClubVic nervously takes a risk every time he leaves the houseThe month between Christmas and Thanksgiving isn't real lifeThursday Night football pick! Broncos @ Chargers & MORE!!!!Find Vic: @vicdradioFind the pod:@ilysayitbackpod

National Correspondent Jack Crumley explains the FTC's new rules for junk and hidden fees, and we get details on the assassination of a Russian general.

This week, JoePat Roop discusses the importance of sustainable income in retirement planning, emphasizing the need for customized financial strategies that cater to individual goals. He highlights the significance of understanding market trends, taxes, and hidden fees that can impact retirement savings. The conversation also touches on the necessity of having a rational approach to financial planning to ensure peace of mind during retirement. For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!See omnystudio.com/listener for privacy information.

I'm putting a meme in the show notes. It's my second meme ever, so I'm clearly on a roll. As you can see, it's a picture of two kids taking a test; and the one kid is cheating off the other kid. It's a How to Do Spread Pricing test, and the kid with carrier has his eyes all over the PBM kid's test. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Look, this is a thing now, medical spread. And similar to how PBM spreads adds up to millions, billions of dollars, medical spread is not change in the couch cushions. Did you see the lawsuit against Cigna? Cynthia Fisher mentions it in the conversation that follows. Spoiler alert, here's the numbers: Self-insured employer paid $4 million for a claim. In this case, there's a slide on this Cynthia Fisher gave me, by the way, if you want to see all this written out. So, the employer pays $4 million. The provider was paid—drumroll, please—$876,000. I'm pausing so that sinks in: $4 million paid by the employer; $876,000 of that makes it across the trench to the provider. What happened, you may be wondering, to the $3.2 million in the middle there that the self-insured employer wrote a check to their carrier for? If I'm the employer, I think I would sort of want to know where the $3.2 million went, because … yeah. I think anyone would be hard-pressed to explain how a prudent fiduciary is managing to pay millions of dollars of its plan members' money for services that actually cost a fraction of that. And this is just one claim. But you came here for a show about transparency. Why, you may be wondering, am I talking about medical spread pricing? It's not a super far leap, so many of you are probably there already; but let me quote Chris Deacon. She wrote, “As these conglomerates expand control over healthcare delivery and administration, radical transparency is our only bulwark. Patients and employers deserve to know exactly what they're paying for, without hidden fees disguised as care costs.” I don't think anyone would say that transparency alone is sufficient to transform healthcare, but it's definitely a start for sure. So, yeah … transparency. The reason why lawsuits about overpayments, big ones—and there's a bunch of them afoot right now, not just that Cigna one—but the reason that these are going down in the first place is because hospital prices and carrier prices are now somewhat available. And we have some plan sponsors—the ones who are worried about fiduciary duty, at least—these plan sponsors are able to cobble together the math to catch a glimpse of how much money is vanishing. Dollars they and their members are paying for medical claims that never make it to the care team providing the care. And who is shocked? Are you shocked? I'm not shocked. Let me read a sentence from a carrier contract that Justin Leader sent me the other day. Section 6.3: “Claim administrator's compensation for its services under the agreement shall include the difference between the net claim payments reimbursed to the claim administrator by the employer and the net amounts paid to providers by the claim administrator.” Translation: We are allowed to add spread pricing. We are able to arbitrage. We are able to mark up (or whatever you want to call it) by any amount we want, and you, plan sponsor, just signed up to pay for it. So, that happened. Listen to episode 433 with Justin Leader, by the way. The show is called “The Mystery of the Weekly Claims Wire,” otherwise known as the Not Transparent Weekly Claims Wire. So, look … transparency: We can talk about it in terms of medical prices. We can talk about transparency in terms of contracts. And actually also in terms of quality, but we don't get into that today. Bottom line, plan sponsors need enough access to billing data and hospital prices to calculate how much the middle folks are taking in spread, which is, as aforementioned, quite a thing. For more actual data on the magnitude of spread pricing goings-on, ask Dan Ross. That's my suggestion. He's got spreadsheets he can show you of how much plan sponsors are paying and how much providers are charging and how much is going missing in the middle. For even more on this, read the recent Owens & Minor lawsuit that just got filed, which is just a case study in how hard some of these middlemen/carrier entities are working to obscure and hide what they are doing. Because, yeah, sunshine is a great disinfectant, and that's what transparency is. Sunshine. Here's another interesting link from Chris Deacon. I say all this to say, this is the kind of transparency that Cynthia Fisher and I talk about in the show today: contract transparency, bill charges transparency, and hospital or medical price transparency for plan sponsors. We do not get into today consumers or patients using price information to shop, just FYI. We also do not get into, really, price convergence, which is what happens when hospital and carrier prices become available in a market and is often brought up on or about conversations about transparency. Okay, I will say just one thing about price convergence. There was some chatter in anti-transparency press releases from parties mostly that didn't want to be transparent at all, no way no how. But there was some talk a couple of years ago that if contracted prices became transparent, the healthcare industry would raise their prices to match the highest in the market and the result would be rising healthcare prices and greater total costs. That turns out, it seems, to be false. There's a study that shows that the bottom of the market (those with the cheapest prices) do, in fact, raise their prices but not as much as the top of the market lowers theirs. So, there is actually net savings. Read about the Turquoise Health study and an article that Forrest Xiao and team posted that shows this, and it's the first study of its kind, at least that I have seen. Okay, so contract transparency, data transparency, that's what's on deck to discuss today with Cynthia Fisher, as I have mentioned several times already, who has a long history as an entrepreneur in the healthcare space. So, Cynthia Fisher gets U.S. healthcare, and she gets being a plan sponsor and a fiduciary. She is founder and chairman of PatientRightsAdvocate.org, as well as Power to the Patients. Her focus is on ensuring that all healthcare shows prices up front so that we can have accountability and integrity in billing and at any point of care. Cynthia has said early and often that transparency protects the ultimate purchasers of healthcare—meaning plan sponsors, plan members, and patients—from overcharges, spread pricing, or otherwise. Where there's mystery, there is margin, as Anthony Ciaccia has said often. Cynthia's call to action is as follows, but listen to the show to hear her say it more eloquently. C-suites, CFOs, in-house counsel use purchasing discipline that your company probably uses elsewhere in the procurement of health benefits.  Cynthia Fisher also says as part of the call to action, refuse to sign blank checks to the healthcare industry and refuse anti-audit provisions. She also has a call to action for the accounting industry to stop ignoring auditing the health plans. And this matters just given the bald-faced fact right now that overcharges are party sized. Let me wrap up with this: There's a lot of brute force tactics out there being deployed by some plan sponsors that effectively keep plan members from getting the care they need because they are functionally uninsured. I've done multiple shows on this, and I link to some of them below. I just can't help to think, some of this brute force, you know, high-deductible health plans and some pretty savage cost containment strategies, might be unnecessary if middleman excess profits were eliminated. Well, I say this with some evidence, actually. Andreas Mang (EP419) was on the pod. He talked about saving 15% or more by being smart about contracts and plan assets at the financial and purchasing level. Brian Uhlig … was talking to him the other day. He was telling me he saved $80 million just doing contracts right. Also Claire Brockbank (EP453) talks about this; Cora Opsahl (EP452), too, from 32BJ. Those are two recent shows, again, about how much money can be saved by only signing contracts that ensure transparency. Also mentioned in this episode are Patient Rights Advocate, Chris Deacon, Justin Leader, Dan Ross, Forrest Xiao, Anthony Ciaccia, Andreas Mang, Brian Uhlig, Claire Brockbank, Cora Opsahl, Mark Cuban, and Mark Cuban Cost Plus Drug Company.   You can learn more at PatientRightsAdvocate.org.    Cynthia A. Fisher is founder and chairman of PatientRightsAdvocate.org, a nonprofit organization seeking healthcare price transparency, giving power to American consumers—patients, employers, and unions—to lower their costs of care and coverage through a functional marketplace and choice. Cynthia is best known for her pioneering work as founder and CEO of ViaCord, Inc., a leading price-transparent umbilical cord blood stem cell banking company which she started in 1993. In 2000, she co-founded and was president of the cellular medicines company ViaCell, Inc., of which ViaCord became a division. ViaCell went public in 2005, was acquired by PerkinElmer, and exists today under the ViaCord brand. Cynthia also serves on the public company boards of the Boston Beer Company, Inc. and Easterly Government Properties, Inc. She serves on the Florida Council of 100 and the board of the National Park Foundation, and she previously served on the board of directors of Water.org. Cynthia holds an MBA from Harvard Business School and a bachelor's and honorary Doctorate of Science degree from Ursinus College.   09:03 What is the goal of PatientRightsAdvocate.org? 10:28 Is American competitiveness being affected by healthcare spend? 13:47 Why is transparency a root cause to healthcare costs? 15:11 What's going on across the country to empower transparency in healthcare? 19:31 “I think people are fed up.” 21:22 The Cigna lawsuit in California. 26:36 How do employers navigate contracts against anti-steering? 28:54 EP419 with Andreas Mang. 29:33 EP452 with Cora Opsahl and EP453 with Claire Brockbank. 29:45 EP433 with Justin Leader.   You can learn more at PatientRightsAdvocate.org.   Cynthia A. Fisher of @PtRightsAdvoc discusses #medicalspreadpricing and #contracttransparency on our #healthcarepodcast. #healthcare #podcast #pharma #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Stacey Richter (INBW40), Mark Cuban and Ferrin Williams (Encore! EP418), Rob Andrews (Encore! EP415), Brian Reid, Dr Beau Raymond, Brendan Keeler, Claire Brockbank, Cora Opsahl, Dan Nardi, Dr Spencer Dorn (EP451)  

Welcome to an all-new Carolina Reeper show! We are FEE-ling Fishy! ...it's all about Hidden Fees and Anchovies! We're gonna talk about Spirit Airlines filing for bankruptcy and why did we ever have to pay $50 to carry on a toothbrush. We'll also dive into the polarizing world of anchovies—are they the Spirit Airlines of pizza toppings? Plus, we are giving away money, and no baggage fees are required! I've got another Residual Check here. How much is it? I don't know? And! The Hickory Hammer returns to the air, Brian the shuttle bus driver makes an appearance, athletes doing the Trump dance, and a recap from my gigs in Plainfield IN, and in Hickory, NC at Warehouse 18 where we raised over $24,000! All this and more on this episode of Carolina Reeper!Click here for Jon's tour datesJon Reep Social Media: Facebook Twitter Instagram TiktokFor gifts and more in the Hickory, NC area check out Goodwill Northwest NC! Go try the Jon Un-REEP-eatable Burger at the Hickory Social House!Get you a Honda and a Hotdog at Hendrick Honda of Hickory!Buy South in Ya Mouth BBQ Sauce here!Download and Listen to the CAROLINA REEPER with Jon Reep Podcast hereVisit the MERCH shop here!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textFor our Season Five Finale, we welcome Leanne Battelle, the restaurant review writer for the Marin Independent Journal (and the editor of the Real Deal Marin website) and Daedalus Howell, the editor of the Pacific Sun (and Bohemian) for a lively discussion on the state of the restaurant business 

The Federal Trade Commission (FTC) announced on Tuesday it will be taking action against the online cash app and neobank Dave, which it says used “misleading marketing to deceive consumers.” At issue is how Dave marketed $500 cash advances to consumers that it rarely offered. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Frank and Frankie discuss the importance of identifying hidden fees in investment portfolios and how these fees can significantly impact retirement savings. They share case studies demonstrating how clients have saved substantial amounts by analyzing their fees and adjusting their portfolios. The discussion also emphasizes the importance of risk management in retirement planning. Connect with the team at A Better Way Financial  to get a second opinion on your retirement plan today! CLICK HERE to register for one of our upcoming Win, Lose, or Draw - How the Election Could Impact Your Retirement. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”See omnystudio.com/listener for privacy information.

Businesses like gyms, airlines, online retailers and ticketing companies are in the spotlight, as the government looks to stamp out potentially harmful practices not already forbidden under Consumer Law. - Ilang negosyo at kumpanya ang may mapanlinlang na taktika sa pagpi-presyo ng produkto o serbisyo kaya naman layon ng pamahalaang sugpuin ito.

Are you unknowingly overpaying for property management services while receiving minimal value in return?   In this episode, Justin Pogue dives into the complexities of property management contracts, revealing hidden fees, operational strategies, and management models that can greatly impact your real estate investment's profitability. Justin offers practical advice on selecting the right property management company, avoiding expensive pitfalls, and ensuring transparency in management practices. His insights will empower property owners to make informed decisions that can save them time, money, and unnecessary stress.     [00:01 - 05:16] The Transparency You Need Fewer units per manager lead to better operational support Owners should expect financial and non-financial reports from property managers Transparency is crucial in management; owners should have access to all reports   [05:17 - 10:45] Choosing the Right Operating Model Dedicated teams offer more personalized service, but at a higher cost Centralized call centers reduce costs but lack familiarity with your property It's important to understand which model your manager uses and the trade-offs involved   [10:46 - 15:01] Hidden Fees to Watch For Some property managers add surcharges to maintenance fees, inflating costs Termination fees can still apply even after a contract expires Carefully review contracts to avoid unexpected financial burdens   [15:02 - 19:09] The Importance of Property Tours Self-guided tours might seem efficient but can miss key property features Guided tours provide essential feedback about prospective renters A hands-off approach to tours can result in higher vacancy costs   [19:10 - 23:20] Avoiding Micromanagement and Maintaining Control Set an expense threshold for managers to avoid constant oversight Budget planning helps ensure expenses align with property needs Avoid companies that lack clauses for spending accountability in contracts         Key Quotes:   "The more transparency, the better off you'll be as an owner." – Justin Pogue   "Some companies seem intent on running up expenses without truly adding value for you, the owner." – Justin Pogue       Connect with Justin:   Website: https://rentalsecrets.net/ LinkedIn: https://www.linkedin.com/in/justincpogue/ Calendar: https://rentalsecrets.net/IntroductoryCall/     Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode.   Are you confused about where to start? Join our community and learn more about real estate investing.    Head over to our Facebook Page, YouTube channel, or website  https://www.theacademypresents.com/jointhesummit36848306.

In this episode of Financial Straight Talk, Jim and Jerry discuss hidden fees in various financial transactions, such as hotel charges, mutual funds, annuities, and 401(k) plans. They emphasize the importance of transparency and understanding the fees that individuals are paying. Jim provides a resource, personalfund.com, where listeners can check the costs of their mutual funds and ETFs. They also highlight the need for individuals to be aware of the fees they are paying and evaluate if they are getting a good value in return. Ready to connect with Jim today?  Get some Financial Straight Talk!See omnystudio.com/listener for privacy information.

Here's a shock: our least favorite brokerage company is in the news again with some monster hidden fees. Robinhood is accused of charging customers a huge "spread" between the amount option buyers pay and the amount sellers receive. While this isn't a charge on the statement, it's a lot of money (nearly double) that other companies charge. This topic got us thinking: what hidden charges, expenses, and costs exist in our life that we overlook or choose to ignore? How much are all of THESE costs adding up? We have the perfect triumvirate for this discussion. Jen Smith, one half of the Frugal Friends duo joins us (they talk consumption non-stop on their podcast). Roger Whitney chimes in (his Retirement Answer Man helps people control excess costs in retirement or when prepping). OG also joins in, with all of his experience helping clients reach their goals. It's a wide ranging, fun discussion, from the cost of pollution to hidden Doordash costs we didn't know about! Of course, halfway through this episode, we take a break to challenge these contributors to a round of Doug's epic trivia. FULL SHOW NOTES: https://www.stackingbenjamins.com/hidden-fees-and-costs Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

How much does a dog really cost (hint: more than you think). This special vault episode is about our furry best friends and explores dog ownership and the costs vs. investment. Our guest on this dogolicious episode is Krista Karpowich, who owns Wag Out Loud and is the host of the Wag Out Loud pawdcast. The Wag Out Loud podcast is a show that helps us pet parents to be the best advocates for your dog's health and wellness. She's here to share everything she knows about dogs, including how much money to spend on food, what to feed your dog, what kind of pet insurance she loves, how much money to devote to training, treats and toys, and so much more. Whether you have a dog or want to bring one into your life, this episode is for you. LINKS Wag Out Loud Pumpkin Trupanion Lemonade Pawp CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She's Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at Notion.com/ETM. Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. Learn more about your ad choices. Visit megaphone.fm/adchoices

One of Canada's biggest monopolies took a hit last week. On this week's TLDR, what the Cineplex decision means for businesses, moviegoers and the future of hidden fees. And, is Mark Zuckerberg one of the most brilliant business leaders of our time? Matthew certainly thinks so. Plus, what the reopening of Three Mile Island tells us about the future of energy — and the tech industry.This episode was hosted by Devin Friedman, business reporter Sarah Rieger, financial educator Kyla Scanlon and former hedgefunder Matthew Karasz. Follow us on other platforms, or subscribe to our weekly newsletter: linkin.bio/tldrThe TLDR Podcast is offered by Wealthsimple Media Inc. and is for informational purposes only. The content in the TLDR Podcast is not investment advice, a recommendation to buy or sell assets or securities, and does not represent the views of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. More information at wealthsimple.com/tldr.

AP correspondent Norman Hall reports a major single-family home renter has settled federal claims it deceived renters of millions of dollars.

Send us a textIn the episode where Peter, Lee, and Shane discuss watching costs and hidden fees, they likely emphasize the importance of closely monitoring expenses in a pool service business. They might talk about how costs can quickly add up in unexpected ways, such as through hidden fees for parts, equipment, or services, like increased shipping charges, vendor markups, or fuel surcharges. These fees can chip away at profits if not carefully accounted for.The trio would probably suggest strategies like negotiating better terms with suppliers, being transparent with customers about any necessary surcharges, and conducting regular financial audits to spot where fees are creeping in. They might also cover tips on using technology and software to track and forecast expenses, as well as the value of teaching employees to be mindful of small, recurring costs that can significantly impact the bottom line over time.Ultimately, the goal would be to empower pool service professionals to take control of their finances by identifying and minimizing hidden fees to preserve profits. BufferZoneBufferZone has been created by a frustrated pool maintenance companyDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

The Hidden Fees Are Getting Out Of Control!!! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Hidden Fees Are Getting Out Of Control!!! Learn more about your ad choices. Visit megaphone.fm/adchoices

Big Tech subscription services are once again in the crosshairs of the Federal Trade Commission, nonprofits with links to OpenAI are becoming less transparent, and Surgeon General Vivek Murthy is urging Congress to require warning labels on social media. Marketplace's Lily Jamali speaks with Paresh Dave, senior writer at Wired magazine, for this week’s Tech Bytes: Week in Review

Big Tech subscription services are once again in the crosshairs of the Federal Trade Commission, nonprofits with links to OpenAI are becoming less transparent, and Surgeon General Vivek Murthy is urging Congress to require warning labels on social media. Marketplace's Lily Jamali speaks with Paresh Dave, senior writer at Wired magazine, for this week’s Tech Bytes: Week in Review

Big Tech subscription services are once again in the crosshairs of the Federal Trade Commission, nonprofits with links to OpenAI are becoming less transparent, and Surgeon General Vivek Murthy is urging Congress to require warning labels on social media. Marketplace's Lily Jamali speaks with Paresh Dave, senior writer at Wired magazine, for this week’s Tech Bytes: Week in Review

Plus, the U.S. Surgeon General calls for social-media warning labels. And Tesla sues a battery supplier over alleged trade secrets disclosure. Zoe Thomas hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

The kid tax, the site-lock fee, lodging taxes, and more—we're running down all the different hidden fees we've seen at campgrounds and RV resorts.  HOMECOMING tickets are now on sale! Save $25 a ticket by becoming a Mile Marker today! Tickets are available at https://rvmiles.com/homecoming/ IMPORTANT LINKS:  For all the links to today's episode visit https://RVMiles.com/321 Become an RV Miles Mile Marker member at https://rvmiles.com/milemarkers Sign up for our weekly Road Signs newsletter: https://rvmiles.com/mailinglist Support our Sponsors: *Check out all Blue Ox has to offer at https://BlueOx.com *Get free shipping from eTrailer on orders of $99 or more at https://www.etrailer.com/?etam=p0001 *RVPostings.com - Your go-to platform for buying and selling RVs. *Liquified RV Toilet Treatment: https://liquifiedrv.com * Harvest Hosts: Save 15% on a Harvest Hosts membership with MILES at https://harvesthosts.com

The Biden administration is trying to crack down on sneaky fees charged by hotels, rental cars, internet providers and more.Jim Tankersley, a White House correspondent, explains why the effort is doubling as a war against something else that Biden is finding much harder to defeat.Guest: Jim Tankersley, who covers economic policy at the White House for The New York Times.Background reading: This month, a judge temporarily blocked a new rule limiting credit-card late fees.Hotels and airlines struggling to recoup their losses from the pandemic have been including more hidden charges. Don't fall for them.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.