Podcasts about high cost

Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Q4 GDP Weaker Than Expected: Implications 5:38 - Markets Bounce off 200-DMA 11:04 - Achieving Financial Independence - How You Know You've Made It 14:46 - Retirement Accounts' Intended Use vs New Rules 17:37 - 401k Plan Access vs Participation 20:39 - The High Cost of Eating Out 22:41 - Comparative High Costs of Hamburgers 24:26 - Market Moves - Price of Admission 26:15 - Creating Financial Cushions & Structuring Savings 30:21 - T-Bills & Bonds in the Savings Mix 34:10 - Volatility is Not Your Friend in Emergency Accounts 36:04 - Rice & Beans to Get Rid of Debt 37:58 - Channeling Dave Ramsey 42:00 - The Process of Getting Out of Debt 45:05 - Getting Fee'd to Death 48:27 - E-Book Tease - Ten Laws of Wealth & Money ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Watch our previous show, "Oil Shock - Markets Reprice Risk," https://youtube.com/live/pU0TuFA1CWE ------- Articles Mentioned in Today's Show: "Treasury Bond Yields Don't Lie: But Wars Don't Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ "Financial Nihilism & The Trap Young Investors Are Walking Into" https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/ -------- The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here: https://youtu.be/9wZsz-bOiUY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy #PersonalFinance #RetirementPlanning #401k #EmergencyFund #FinancialResilience #DaveRamsey #FinancialNihilism

Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Q4 GDP Weaker Than Expected: Implications 5:38 - Markets Bounce off 200-DMA 11:04 - Achieving Financial Independence - How You Know You've Made It 14:46 - Retirement Accounts' Intended Use vs New Rules 17:37 - 401k Plan Access vs Participation 20:39 - The High Cost of Eating Out 22:41 - Comparative High Costs of Hamburgers 24:26 - Market Moves - Price of Admission 26:15 - Creating Financial Cushions & Structuring Savings 30:21 - T-Bills & Bonds in the Savings Mix 34:10 - Volatility is Not Your Friend in Emergency Accounts 36:04 - Rice & Beans to Get Rid of Debt 37:58 - Channeling Dave Ramsey 42:00 - The Process of Getting Out of Debt 45:05 - Getting Fee'd to Death 48:27 - E-Book Tease - Ten Laws of Wealth & Money ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Watch our previous show, "Oil Shock - Markets Reprice Risk," https://youtube.com/live/pU0TuFA1CWE ------- Articles Mentioned in Today's Show: "Treasury Bond Yields Don't Lie: But Wars Don't Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ "Financial Nihilism & The Trap Young Investors Are Walking Into" https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/ -------- The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here: https://youtu.be/9wZsz-bOiUY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy #PersonalFinance #RetirementPlanning #401k #EmergencyFund #FinancialResilience #DaveRamsey #FinancialNihilism

https://takingthelandpodcast.comWhy do some churches grow while others struggle for years?In this powerful message from the Mid-West Bible Conference in Carbondale, Illinois, Pastor Willis Gordon confronts a hard truth about leadership, discipleship, and spiritual development.PREMIUM SUBSCRIPTION for WORLD EVANGELISM:• NO ADS, Early releases, Full-Length Testimony Tuesdays⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• Subscribe for only $3/month on Supercast⁠: https://taking-the-land.supercast.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• Subscribe for only $3.99/month on Spotify⁠: https://podcasters.spotify.com/pod/show/taking-the-land/subscribe• ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for only $4.99/month on Apple Podcasts⁠: https://apple.co/4owjo5ZThe Bible says we carry the treasure of God in earthen vessels. The problem is not the treasure. The problem is the vessel.Using stories from John Wooden, Abraham Lincoln, Theodore Roosevelt, and personal moments with Pastor Wayman Mitchell, this sermon exposes one of the greatest dangers in ministry: believing we are already “good.”If we do not allow God to build the man, we will never build the work.Key themes in this sermon:• Why the greatest works are built by developed men• The danger of giftedness without character• Why spiritual growth cannot be outsourced to sermons or YouTube• The three areas that reveal spiritual maturity• The leadership principle behind “small man, small church”This message is a direct challenge to every believer, leader, and disciple.Because the cost of building men may be high… but the cost of failing to do so is far higher.0:00 The Motto: The Cost of Failing to Build MenShow NotesALL PROCEEDS GO TO WORLD EVANGELISMLocate a CFM Church near you: https://cfmmap.orgWe need five-star reviews! Tell the world what you think about this podcast at:• Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://apple.co/3vy1s5b• Podchaser: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.podchaser.com/podcasts/taking-the-land-cfm-sermon-pod-43369v

In this solo episode of the Ecomm Breakthrough Podcast, host Josh Hadley shares his proven framework for hiring senior leadership in ecommerce. Drawing from personal experience, Josh outlines the costly pitfalls of bad hires and emphasizes the value of securing top 1% talent. He details a structured, three-part interview process focused on track record, culture alignment, and role competence, offering actionable tips for assessing candidates. Josh also discusses the legal and financial implications of hiring, underscoring the importance of systems and focus for business growth. The episode concludes with a call to share and review the podcast.Hiring the wrong person can be a costly "hiring mistake" for any business, impacting your bottom line significantly. This video dives into effective "recruitment" strategies and a robust "hiring process" to help you avoid these pitfalls. Learn about crucial "interview questions" and how to "how to hire" the right talent to propel your e-commerce brand forward.

On this episode of Barn Talk, hosts Sawyer and Tork sit down once again with their friend and neighbor David Zieser for a no-holds-barred conversation about all things farming and rural life. This time, they swap stories about last season's harvest, share laughs over equipment mishaps, and dive into the technical side of strip-till methods and adapting to unpredictable weather.Beyond ag talk, they tackle hot topics like Iowa's water quality, estate planning, the real costs of nursing homes, and what the future holds for family farms. With their trademark humor and honest perspectives, this episode is packed with practical wisdom, a few good jokes, and an authentic look at the ups and downs of life on the farm.JOIN THE BARN TALK NEWSLETTER & GET LIVE EVENT ACCESS: We're on a mission to get 10,000 subscribers, and once we do, we're hosting a live event at the barn! Sign up to get exclusive access to tickets and details.

HEADLINE: The Historical Roots of High Healthcare Costs GUEST: Veronique De Rugy The high cost of American healthcare is traced back to a 1920s tax code decision that exempted employer-provided health benefits from taxation. This "accidental" policy skewed the market toward insurance provided by employers or the government rather than an individual market. Consequently, the individual insurance market remains small and expensive, contributing to the United States having the most expensive healthcare system on the planet. (10)1919

Assemblymember Bill Conrad on NYSERDA report on high cost of clean energy mandates full 178 Thu, 05 Mar 2026 08:26:00 +0000 lrGtvBiyWFVPl7Yp1ZLwdEhl82xWC85b news & politics,news WBEN Extras news & politics,news Assemblymember Bill Conrad on NYSERDA report on high cost of clean energy mandates Archive of various reports and news events 2024 © 2021 Audacy, Inc. News & Politics News False https://pl

In this week's episode of Unpacking Ag, we explore how consumer trends are changing amidst the high cost of living, what this means for the direction of Aussie ag and where we anticipate consumer trends to move in the future with the prospect of further rate rises and persistent inflation. We also discuss the developing conflict in the Middle East and what that may mean for fuel and fertiliser prices over the coming weeks. Insights reports: Discover more with free expert analysis and market updates tailored for your agribusiness: Subscribe to the Bendigo Bank Agribusiness Insights reports. The content on Unpacking Ag is general in nature, for information purposes only and may not be relevant to your personal circumstances. You should consider whether any products discussed in this podcast are appropriate for you.See omnystudio.com/listener for privacy information.

Americans have more economic anxiety about health care costs than anything else, according to a KFF poll. “Conversations on Health Care” hosts Mark Masselli and Margaret Flinter are at the Reporters' Roundtable to break down the policy debates and real-world impacts behind those concerns. Joining the roundtable are: Nada Hassanein of Stateline, Michael McAuliff of […] The post Reporters' Roundtable: High Cost of Health Care appeared first on Healthy Communities Online.

Dr Boyce Watkins talks about the price of financial mistakes.

John Kiriakou, from a decorated high-ranking CIA counter-terrorism chief who led the 2002 capture of al-Qaeda's Abu Zubaydah, to a federal inmate, John Kiriakou's life is a masterclass in the high cost of speaking truth to power. In 2007, he became the first CIA official to publicly confirm the agency's use of waterboarding, explicitly calling it torture—an act of whistleblowing that eventually led to him being the only person imprisoned in connection with the torture program. After serving 23 months, he reinvented himself as a sharp-witted author and commentator, hosting the Deep Focus podcast and penning books like The Reluctant Spy, and the gritty survival manual Doing Time Like a Spy, effectively using his intelligence background to critique the very systems he once served.JOHN KIRIAKOUWebsite: https://johnkiriakou.com/X: https://x.com/JohnKiriakouIG: https://www.instagram.com/realjohnkiriakou Deep Focus Podcast (YouTube): https://www.youtube.com/@DeepFocuswithJohnKiriakouDeProgram Podcast (YouTube): https://www.youtube.com/@DeProgramShowDead Drop Podcast (iTunes): https://podcasts.apple.com/us/podcast/john-kiriakous-dead-drop/id1844905790Substack: https://johnkiriakou.substack.com/subscribeTHE RIPPLE EFFECT PODCAST:WEBSITE: http://TheRippleEffectPodcast.comWebsite Host & Video Distributor: https://ContentSafe.co/SUPPORT:PATREON: https://www.patreon.com/TheRippleEffectPodcastPayPal: https://www.PayPal.com/paypalme/RvTheory6VENMO: https://venmo.com/code?user_id=3625073915201071418&created=1663262894MERCH: Store: http://www.TheRippleEffectPodcastMerch.comTHEORY 6 MUSIC: https://open.spotify.com/artist/1w91xRlB4b2MJYyXXhJcyFSPONSORS:OPUS A.I. Clip Creator: https://www.opus.pro/?via=RickyVarandasScott Horton Academy: https://scotthortonacademy.com/rippleeffectUniversity of Reason-Autonomy: https://www.universityofreason.com/a/2147825829/ouiRXFoLWATCH:OFFICIAL YOUTUBE: https://www.youtube.com/@TheRippleEffectPodcastOFFICIALYOUTUBE CLIPS CHANNEL: https://www.youtube.com/@RickyVarandasLISTEN:SPOTIFY: https://open.spotify.com/show/4lpFhHI6CqdZKW0QDyOicJiTUNES: http://apple.co/1xjWmlFTHE UNION OF THE UNWANTED: https://linktr.ee/TheUnionOfTheUnwanted

In this episode of the America's Work Force Union Podcast, we examine the intersection of trade policy, healthcare funding and the rising tide of union organizing across the United States. Segment 1: The High Cost of Broad Tariffs Retired International Association of Machinists and Aerospace Workers (IAM) International President Tom Buffenbarger joins host Ed “Flash” Ferenc to break down the real-world impact of sweeping tariffs. Buffenbarger explains why broad trade penalties often function as a "consumer tax" that destabilizes North American supply chains, particularly in the aerospace and automotive sectors. He also discusses the recent surge in union membership—reaching a 16-year high—and why younger workers and federal employees (NFFE) are leading the charge for collective action. Segment 2: California's Healthcare Staffing Crisis Guillermo Mendoza-Luján, Secretary-Treasurer of SEIU 121RN, sounds the alarm on hospital layoffs and staffing shortages in Southern California. Following funding cuts to Medi-Cal and Medicare, facilities like Pomona Valley Hospital Medical Center are reducing staffing levels, leading to longer ER wait times and dangerous nurse-to-patient ratios. Mendoza-Luján details the ongoing strike at Providence Cedars-Sinai Tarzana and explains why patient safety is inseparable from worker protections.

Is it time to rethink our food delivery habits?According to data from the National Restaurant Association, around 60% of both millennials and Gen Z say food delivery is an essential part of their lifestyles. But are the steep prices — and occasional guilt — worth the convenience? Brittany is joined by NPR Life Kit producer Margaret Cirino, who recently scaled her food delivery habits way back, to discuss why so many have come to rely on it and what a different path could look like.Support Public Media. Join NPR Plus.Follow Brittany on Instagram: @bmluseFor handpicked podcast recommendations every week, subscribe to NPR's Pod Club newsletter at npr.org/podclub.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The Washington Commanders are not expected to use the franchise tag on any players this offseason, and Chris Russell explains why the team should take lessons from last year to prioritize building depth, particularly at the edge position. Rather than chasing a high-priced star in a costly free-agent market, Russell emphasizes that focusing on multiple depth pieces could provide more value and long-term stability for the roster. He breaks down specific edge targets the Commanders could realistically pursue in free agency, highlighting how a depth-driven approach allows the team to strengthen its defense, manage the salary cap effectively, and avoid repeating mistakes from previous seasons.

In this message, Pastor Allen Nolan explores Israel's demand for a king and shows how their reasons—Samuel's age, his corrupt sons, the desire to be like other nations, and the need for defense—were mostly excuses masking a deeper lack of trust in God. Pastor Allen walks through God's warning in 1 Samuel 8 about conscription, property seizure, and taxation, revealing the high price of “being like all the other nations,” and how this applies to our lives, warning that when we insist on our own way, God may sometimes grant our demands as a form of discipline.

Are we ignoring the dark side of Greek life, or are we just blinded by the networking benefits?In this episode of the Palm Wine Central Podcast (@PWCCast), Uncle AK, Tutu, & Hannah dive into the uncomfortable truths of modern society, pop culture, and personal finance. We start with a tribute to civil rights icon Jesse Jackson before exposing a serious lack of Black history knowledge during a heated trivia debate about figures like Roland Martin. We then unpack the controversial Michael Jordan viral video, questioning celebrity behavior and societal paranoia in an era of hyper-vigilance.The conversation takes a raw turn as we discuss the brutal reality of the cost of living, wishing for PPP loans, and the extreme lengths people go to survive this economy. Finally, we tackle the highly debated HBCU vs PWI experience, exploring the cultural isolation of PWIs and the controversial, sometimes "evil" realities of pledging Black fraternities and sororities.Smart Timestamps• 0:00 The tragic reality of public safety today.• 2:04 Jesse Jackson's legacy & the uncomfortable Roland Martin debate• 11:40 Test your cultural knowledge: Black History Month Trivia• 23:12 The Michael Jordan video: Are we reaching or is it a valid concern?• 32:42 The PPP loan regret & identifying the financial habits keeping you broke• 41:32 What you actually don't know about the history of Mardi Gras• 53:18 HBCU vs PWI: Finding the right cultural environment for success• 1:02:40 The dark side of pledging & why people denounce their Greek letters• 1:18:20 40 Days of Discipline: Fasting, breaking bad habits, and finding peace #blackculture #HBCUvsPWI #financialliteracy Produced by: Palm Wine Central ProductionsListen On: Spotify | Apple Podcasts | YouTube | Amazon MusicWatch more: https://www.youtube.com/@pwcpodcast

Fixation on Histology: The High Cost of Johne's Disease Written based on the NSH Webinar Jonesing For Johne's - AFB Control Tissue To Read the Full Blog, Click Here

Do you ever finish a conversation and realize you've just given a twenty-minute dissertation to justify a simple "no" or a basic need? In this episode, we're peeling back the layers on chronic over-explaining. It turns out, this isn't just a quirky personality trait—it's a sophisticated nervous system response. Whether you're trying to preemptively defend yourself against being "the bad guy" or you learned early on that your needs weren't valid unless you built a legal case for them, this episode offers a roadmap to reclaiming your voice.In this episode, you'll learn:The "Origin Story" of Over-Explaining: Why we learn to justify our needs to get them met and how misattunement in childhood creates a blueprint for hyper-communication.Over-Explaining as a Survival Tool: The science of how your amygdala flags "emotional risk" and tries to negotiate safety through a flood of information.The High Cost of Justification: How over-explaining leads to emotional exhaustion, self-abandonment, and the weakening of your own self-trust.The "One-Sentence Rule": A practical challenge to state your truth clearly and then—the hardest part—stop talking.Embracing the Pause: Why silence feels like danger to a dysregulated nervous system and how to tolerate the "awkwardness" of letting your words land.3 Takeaways:Over-explaining is a nervous system response, not a personality flaw. If you had to prove your feelings were valid in the past, your brain adapted by explaining itself into safety. You're not "too much"; you're practicing a survival skill that you no longer need.The cost of over-explaining is self-abandonment. When you lead with a defense, you're inadvertently saying your needs aren't legitimate on their own. Trusting your truth means realizing your "no" doesn't require a dissertation.Practice the "One-Sentence Rule" and embrace the pause. Challenge yourself to say what you need in one clear sentence, then stop. Let the silence be there. People who truly see you don't need an essay to respect your boundaries.—Looking for more personalized support?Book a FREE discovery call for RESTORE, our 1:1 anxiety & depression coaching program (HSA/FSA eligible & includes comprehensive bloodwork)Join me inside Regulated Living, a mental health membership and nervous system healing space (sliding scale pricing available)Order my book, Healing Through the Vagus Nerve today!*Want me to talk about something specific on the podcast? Let me know HERE.Website: https://www.regulatedliving.com/podcastEmail: amanda@regulatedliving.comInstagram: @amandaontheriseTikTok: https://www.tiktok.com/@amandaontherise

The High Cost of Following Jesus   Series - The Gospel of Luke   Jordan Rice   Luke 9:57-62   Everything in life has a price tag, but what is the true cost of following Jesus?   Give to support the ministry of Renaissance Church: https://renaissancenyc.com/give   Keep up with Renaissance by filling out a connection card: https://renaissancenyc.ccbchurch.com/goto/forms/5/responses/new

How Salt, Sugar, Potassium and Vitamin B took over the Influencer Economy.Get Early Access on Substackhttps://sgcarney.substack.com/Join this channel to get access to perks:https://www.youtube.com/channel/UC3PyxGKt94kLzVqkkjEgRFw/join

REVIEW FOR LATER TODAY Guest: Elizabeth Peek. Peek identifies the housing shortage in America as a primary driver of inflation, creating the widespread perception of a punishing high cost of living.1936 BANK RUN EAST SIDE NYC

PREVIEW FOR LATER TODAY Guest: Jonathan Schanzer. Schanzer outlines the urgency of the Israel-U.S.alignment on Iran, noting the high cost of U.S. deployment and the risks of delaying action.1936 ABOLITION OF THE VEIL IN PERSIA

‍ ‍DESCRIPTION‍ ‍Donald Shoup, FACIP, author of The High Cost of Free Parking, discusses parking minimums, paid parking and Pearl Harbor.‍ ‍SPONSORS‍ ‍This episode is brought to you by ParkOrder - the leading work order and project management tool built specifically for the parking industry. From tracking garage maintenance crews to managing office tasks, ParkOrder keeps your team organized and accountable. Whether it's the ability for parkers to report work orders, the leaderboard competition, or employee rewards, see what all the hype is about at parkorder.io. Get started today for just $5 per user per month.‍ ‍This episode is brought to you by Parking Today and the Parking Today Podcast Network. Learn more at parkingtoday.com/podcast.‍ ‍This episode is brought to you by Parker Technology, the customer experience solution of choice for the parking industry. Their solution puts a virtual ambassador in every lane, to help parking guests pay and get on their way in under a minute. Learn more at parkertechnology.com/parkingpodcast and subscribe to our podcast “Harder Than It Looks: Parking Uncovered.”‍ ‍This episode is brought to you by Scheidt & Bachman USA. Scheidt & Bachmann USA markets state-of-the-art Parking Solutions and Fare Collection Systems: the most innovative and advanced solutions in the US. Learn more at scheidt-bachmann-usa.com.‍ ‍This episode is brought to you by Breeze: Parking Concepts' digital platform that makes the parking experience a Breeze! For more than 50 years, PCI has been proactively managing parking & transportation operations with unparalleled integrity & service. Learn more at parkingconcepts.com.‍ ‍Order The Shoup Doctrine: Essays Celebrating Donald Shoup and Parking Reforms and use Promo Code 26SMA1 for a 25% Discount here: https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍WEBSITES AND RESOURCES‍ ‍https://www.parkingcast.com/‍ ‍https://parkingtoday.com/podcast/‍ ‍parkorder.io‍ ‍www.parkertechnology.com/parkingpodcast‍ ‍scheidt-bachmann-usa.com‍ ‍parkingconcepts.com‍ ‍https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍MERCH‍ ‍Check out some of our awesome parking themed t-shirts and other merch at parkingcast.com/swag.‍ ‍MUSEUM‍ ‍Check out some of our artifacts from the world's first parking museum at parkingcast.com/museum.‍ ‍

Introduction On today's episode of the America's Work Force Union Podcast, we look at two major battles for public resources and professional dignity. First, we examine a ballot measure in Ohio that could strip billions from local communities. Then, we look at a wave of union victories in newsrooms that are fighting to keep local journalism alive. Segment 1: The High Cost of Repealing Ohio Property Taxes Frank Mathews, Administrative Director for CWA District 4, joins the show to issue a stark warning about a signature-gathering effort to eliminate property taxes in Ohio. While the pitch sounds appealing to homeowners, Mathews explains why the "fine print" could be disastrous for working families. The $20 Billion Hole: How eliminating property taxes removes the primary funding source for public schools, township roads, and police/fire departments. Who Really Pays: Why replacing this revenue would likely force massive hikes in sales and income taxes, shifting the burden onto lower- and middle-income workers. The Service Gap: The risk to essential services in townships that cannot levy income taxes. Segment 2: Organizing Wins in Ohio & The Future of News NewsGuild-CWA President Jon Schleuss reports on a surge of momentum for newsroom workers, despite corporate consolidation and layoffs at national outlets like the Washington Post. Victory in Columbus: Journalists at the Columbus Dispatch and Newark Advocate have voted overwhelmingly to unionize, strengthening NewsGuild Local 1. Pittsburgh's PAPER: How workers at the Pittsburgh Post-Gazette are building their own community-centered publication, the Pittsburgh Alliance for People-Empowered Reporting (PAPER), to bypass corporate gatekeepers. National Fight: The labor response to recent cuts at the Washington Post and why preserving newsroom jobs is a civic necessity. Links & Resources Support Pittsburgh Journalists: Visit OurPaperNow.org Learn More About CWA District 4: CWA-Union.org Follow the NewsGuild: NewsGuild.org Listen to more episodes: AWF.LaborTools.com Follow Us Twitter/X: @AWFUnionPodcast Facebook: @AWFUnionPodcast

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

Key Takeaways This episode of the Empowered Spirit Show focuses on the theme of self-love, urging listeners to shift their focus from external validation to internal cultivation of love and self-worth. Hosted by Terry Ann Hyman, the episode combines personal anecdotes, insightful observations, and a guided meditation to provide a comprehensive guide to embracing self-love. The Problem with Outward-Focused Love Terri Ann Heiman points out a common pattern, especially among women, of excelling at loving others—partners, children, clients—while neglecting their own needs. This outward focus often leads to a sense of being lost, as individuals give away their power and constantly seek external validation for their worth. Two Patterns of Self-Abandonment The episode identifies two primary ways people abandon themselves in the pursuit of love and wholeness: Losing Ourselves in Love: This pattern involves giving so much to others that one's own well-being is depleted. It's a form of self-abandonment that can be disguised as devotion or service. The External Search for Wholeness: This is the continuous and exhausting search for the next book, workshop, or teacher that promises to make one feel complete. This behavior stems from the belief that something essential is missing within. A Personal Journey to Self-Love Terri Ann shares a deeply personal story of transformation. She recounts how she ignored her intuition about her husband's infidelity, a painful experience that ultimately led her to a profound realization. The moment of crisis became a turning point, prompting her to question who she had been listening to and to start tuning into her own inner voice. The High Cost of Ignoring Your Inner Voice The consequences of not listening to one's inner guidance can be severe, leading to a loss of confidence, a diminished sense of self, and a breakdown of trust in oneself and others. Terry Ann describes this period as feeling disconnected and like a "shell going through the motions." The Path to Reclaiming Self-Love The episode outlines a path to rediscovering and nurturing self-love, which includes: The Power of the Pause: Taking a deliberate break from the constant outward search for answers and validation. Connecting with Inner Guidance: Learning to listen to and trust one's intuition and higher self. Embracing Spiritual Practices: The host highlights the role of practices like Reiki and a daily morning ritual of asking for inner guidance. Guided Meditation for Self-Love A significant portion of the episode is dedicated to a guided meditation. This practice is designed to help listeners connect with their inner selves and cultivate a sense of self-love through breathing exercises, visualizations, and affirmations. The Transformative Power of Self-Love By prioritizing self-love, individuals can stop seeking external validation and begin to source love from within. This shift in focus allows one to operate from a place of fullness and to trust their inner knowing, even in the face of external opposition. The episode emphasizes that you become the "frequency you've been seeking." Paramahansa Yogananda, which so beautifully encapsulates our journey today. He reminds us not to focus on our smallness, on the little wave that feels battered by life. He says, "Don't look to your little body; look within." He urges us to remember that behind every small wave is the entire vastness of the ocean. Yogananda teaches that the ultimate source of love and self-worth comes from only one place—within. From our higher Self. He says, "What you are is much greater than anything or anyone else you have ever yearned for... for within your soul lies the greatest treasure of all — God." He reminds us of our indestructible nature with these powerful words: "You are a spark of an Eternal Flame. You can hide the spark, but you can never destroy it." So, the invitation, as you go forward from this space, is to carry this truth in your heart. The next time you feel yourself seeking outside for validation, or losing yourself in the service of others, or feeling that you are not enough, pause. Remember the ocean within you. Remember the eternal spark you carry. In Yogananda's own words: "Even while striving to improve yourself, learn to stand alone, secure in your own virtues and self-worth." That is the essence of pausing to love. It is standing secure in the truth of who you are. Thank you for journeying with me today. Until next time, trust, believe, and know thyself to be LOVE. To your spirit! Terri PS... Schedule your complimentary Spiritual Upgrade Call here.

In this episode of Case Studies, Casey sits down with Jeremy Hammond; CEO/Founder of CLBR, serial entrepreneur, and operator behind multiple high-growth businesses. From bootstrapping at 21 with his brother Mike to executing multi-million dollar exits across industries, Jeremy's track record is impressive, but what he shares here goes far deeper than deal terms or financial milestones.Jeremy reflects candidly on the hidden cost of chasing success with a narrow focus. Early wins brought money, momentum, and recognition, but left other areas of life underdeveloped. After a tragic personal loss and a series of wake-up calls, he began a new journey: one centered on faith, intentional family leadership, and a more holistic definition of wealth.He and Casey explore what it means to evolve as a man, a leader, and a mentor; to trade short term validation for long term legacy. Jeremy's story is a compelling blueprint for high performers looking to recalibrate, reinvest in their relationships, and build a life where purpose leads profit.This episode is an invitation to pause, zoom out, and ask: What am I actually building? Hosted on Acast. See acast.com/privacy for more information.

Many businesses underestimate the devastating cost of a cyberattack, both financially and reputationally. This episode delves into the potential consequences of neglecting cybersecurity, highlighting the dangers you face if your data falls into the wrong hands. Jerry Abowd of Megaplan IT shares real-world examples of businesses that suffered significant losses due to data breaches. He emphasizes the importance of proactive measures, explaining how investing in cybersecurity is not an expense, but rather an investment in your business's future. Learn how Megaplan IT's services can help you avoid becoming the next victim, saving your business from the financial and reputational damage associated with cyberattacks.

Send us a textEmail Lennie at lennielawson2020@gmail.com

IT WAS TERRIBLE AS THE AI EDITOR THAT TAKES OUT UMS AND AHS JUST BUTCHERED IT - ZENCASTR SUCKSIt's better now. As usual, ai slop shownotes. Robots think that I am Jack or whatever. Enjoy!In this episode of The Two Jacks, Jack the Insider (Joel Hill) and Hong Kong Jack (Jack) dive into a packed agenda of Australian and global politics. They start with the federal government's urgent move to push through new hate speech and gun control laws, discussing the disbanding of neo-Nazi groups and the alarming rise of minors on extremism watchlists. The conversation takes a sharp turn into a heated debate over the "economic self-harm" of Brexit, with Jack the Insider citing a £100 billion annual trade loss while Hong Kong Jack remains a defiant supporter.The Jacks also cover:Trump's Trade War: The impact of a 10% tariff hike on European allies and America's dependence on Danish pharmaceuticals like Ozempic.UK Political Maneuvers: How Kemi Badenoch outsmarted Robert Jenrick's defection to Nigel Farage's Reform party.Sporting Scandals and Struggles: From the "oversold" crowds at the Australian Open to a bizarre aerodynamic "groin inflation" scandal in Norwegian ski jumping.00:00:25 – Introduction Jack the Insider (Joel) and Hong Kong Jack open the show on January 20, 2026, discussing the unscheduled sitting of the Australian Parliament to finalize an omnibus bill.00:01:05 – Hate Speech Legislation & The National Socialist Network The Jacks break down the removal of racial vilification clauses and the remaining "hate group" provisions. They discuss the reported disbanding—and subsequent lobbying efforts—of the National Socialist Network.00:04:17 – Extremism Watchlists & Youth Grooming A discussion on the 320 individuals currently monitored by security agencies, with a focus on the alarming number of minors being "groomed" by radical ideologies.00:06:50 – The Bondi Royal Commission & Law Enforcement Lethargy The hosts preview the upcoming Royal Commission, touching on claims that New South Wales Police may have ignored security warnings prior to major anti-Semitic incidents.00:08:14 – Anti-Semitism and Australian Migration History A look at the "New Australian" migration success story post-WWII and the current shameful necessity of armed guards at Jewish schools and synagogues.00:17:09 – Australian Gun Law Changes Analyzing the impact of new limits on ammunition and firearm ownership for amateur hunters and "weekend warriors."00:19:22 – Political Polling: The Rise of One Nation Recent Demos polling shows One Nation surging to over 20%, potentially acting as a "parking spot" for disaffected voters from both major parties.00:24:35 – Iran: Echoes of 1979 Reflecting on the 1979 Islamic Revolution and the late Mark Colvin's coverage of the regime's early massacres.00:27:50 – US Midterms & The Battle for Greenland A look at the Polymarket odds for the 2026 US Midterms and the strategic (and perhaps absurd) debate over the US acquisition of Greenland.00:33:11 – Trump's Tariffs & "The Art of the Renegotiation" The impact of a 10% hike on European goods, including a deep dive into America's dependence on Denmark for Ozempic and insulin.00:35:22 – The Brexit Economic Autopsy The Jacks have a heated debate over the long-term economic damage of Brexit, including trade losses estimated at £100 billion a year and alleged Russian influence on the "Leave" campaign.00:42:15 – UK Politics: The Jenrick Defection How Kemi Badenoch outmaneuvered Robert Jenrick's defection to Nigel Farage's Reform party.00:46:09 – Germany's Energy Crisis Friedrich Merz calls the exit from nuclear energy a "strategic mistake" as Germany reverts to brown coal to keep the lights on.00:49:29 – The Gaza "Board of Peace" Discussing the controversial international board involving Tony Blair and Jared Kushner, and Australia's invitation to join.00:54:29 – Sports: Australian Open & BBL Privatization Crowd chaos at the Australian Open and the warnings from Jason Gillespie regarding the potential sale of BBL franchises to overseas interests.01:06:53 – West Ham & The High Cost of Relegation The "sweetheart deal" for the Olympic Stadium is turning into a nightmare for UK taxpayers as West Ham faces the threat of the Championship.01:12:47 – Strange World: Norwegian Ski Jumping Scandal A bizarre report on Norwegian ski jumpers allegedly "artificially inflating" their suits for aerodynamic advantages.01:15:30 – Wrap Up The hosts invite listener feedback on Brexit and current events before signing off for the week. 

On this week's episode, special projects editor Melissa Daniels takes a deep dive into how brands are shaking up their returns playbook. As many as 72% of brands are charging for returns these days, according to the National Retail Federation, but that's a major customer pain point. In turn, it's an area of business that brands are constantly evaluating to make sure their return policies make logistical and financial sense while still providing a good customer experience. Daniels speaks with Samantha Gold, founder of sleepwear brand Motette, and Arin Schultz, chief growth officer at mattress brand Naturepedic, about the changes they're making to their return policies to make them more customer-friendly without taking a hit on the costs associated with processing returns. They get into: The invisible costs of free returns, like shipping rates and warehouse restocking fees Why Motette is planning to roll out free returns following a customer poll The ways Naturepedic got its return rate to less than half of the industry average

In this episode of Shrink for the Shy Guy, Dr. Aziz dives deep into one of the sneakiest traps that keep us stuck: deferring decisions. Whether it's fear of making the wrong choice, wanting more clarity, or simply waiting for the “perfect time,” delaying decisions comes at a steep cost—and it's often invisible until it's too late. Dr. Aziz unpacks how avoiding decisions drains your confidence, erodes momentum, and reinforces the illusion that you're not ready or capable. He shares a radically freeing mindset shift that allows you to make powerful choices now, even if you're scared, uncertain, or don't feel 100% “ready.”

Our first ever VIDEO podcast (on YouTube and Spotify)! Join the Busses for a very special 300th episode as they continue with part 3 of this powerful series to equip you to overcome. Dive into an in-depth Bible study about the power of the precious Blood of Jesus, what it means to “plead the Blood” in the Courts of Heaven, why communion is so powerful. Then discover how being filled with and anointed by the Holy Spirit not only empowers you to overcome spiritual attacks, but also helps you to heal trauma and wounding so you can grow up in the spirit as a mature son or daughter of God.EMAIL: feedback@globaloutpouring.orgWEBSITE: https://globaloutpouring.net Chapters:00:00 The Promise of Outpouring00:56 Strategies for Defeating Your Enemy04:46 The Power of the Precious Blood10:32 Pleading the Blood of Jesus18:21 Covenants and the Blood Sacrifice24:52 The Significance of Communion28:31 The New Covenant and Forgiveness32:55 The Power of the Blood of Jesus34:09 The Role of the Holy Spirit42:01 Understanding the Holy Spirit's Guidance46:34 The Outpouring of the Holy Spirit52:35 The Anointing of the Holy SpiritRelated Links:Convention 2026: May 21-24, 2026Podcast Episode 298: “Strategies for Defeating Your Enemy” (Part 1)Podcast Episode 299: “Strategies for Defeating Your Enemy” (Part 2)The Power of the Precious Blood by Gwen Shaw (book)The Power of the Precious Blood by Gwen Shaw (PDF)Ye Shall Receive Power from on High by Gwen Shaw (book)Ye Shall Receive Power from on High by Gwen Shaw (PDF)Podcast Episode 84: “Cancer! The High Cost of Unforgiveness” with Shirley Smith Part 1Podcast Episode 85: The Power to Release Offenses. Cancer! The High Cost of Unforgiveness with Shirley Smith, Part 2 CONNECT ON SOCIAL MEDIA

John and Ryan return with a jam‑packed conversation that swings from tabletop quiet spells to the wild frontiers of modern gaming culture. They kick things off by digging into why Dungeons & Dragons has been unusually silent in 2025, exploring the slowdown in new book releases and what it might mean for longtime fans. From there, the discussion shifts to the trading‑card world, where the duo reacts to the surprising new policy requiring One Piece card game products to be opened upon purchase at local game stores. That leads into a deeper look at the ongoing scalping issues plaguing the One Piece TCG and how scarcity, hype, and opportunism are affecting the community. Collecting chaos doesn't stop there. John and Ryan take a closer look at the cost of Pokémon LEGO sets and what's driving their premium price tags. They wrap up with a breakdown of the GameStop digital game lawsuit. Capping off the episode for their ongoing theme for January—Agonizingly Long Tutorials Month—is a spotlight on Red Dead Redemption 2. The guys reflect on the game's famously slow, cinematic onboarding and how it sets the tone for one of the most immersive open‑world experiences ever made. 00:00 Intro 11:48 Why Dungeons and Dragons has been quite in 2025 in terms of new books 23:23 Ryan's Pokémon Emerald Legacy Update 27:26 Pokémon Nostalgia and Gaming Adventures 31:29 One piece card game now requiring to be opened upon purchase for local game stores 39:06 Scalping Issues in the One Piece TCG 45:01 The High Cost of Pokémon LEGO Sets 54:58 GameStop's Digital Game Lawsuit Find us on TheGameDeflators.com Twitter - www.twitter.com/GameDeflators Facebook - www.facebook.com/TheGameDeflators Instagram - www.instagram.com/thegamedeflators

Streaming costs explode far beyond inflation in 2025. Billy Bob Thornton says rumors about Landman are fake and AI-made. Merrill dives into the future of ChatGPT ads influenced by user conversations—and the surprisingly popular idea of an “airport divorce” to save relationships. See omnystudio.com/listener for privacy information.

[Cold open [Best gift cards // Is ad blocker piracy?] ends at 12:52.]Cesar is back by popular demand for the 3rd time because we need updates!Last we spoke, everything was on fire at his agency. He was stressed and dealing with over 100 clients with a small team. Employees weren't working out, clients were churning, and to make matters more complicated, he had a baby on the way.Something had to change.On this episode, Cesar gives us an update on how the agency is doing and what directions he's moving in to fix the holes in his agency's ship.-----RESOURCES:Want the tools and resources we recommend for agencies? Check them out here:https://www.agencygrowthpod.com/tools-----NEWSLETTERWant the show in your inbox? Sign up for the newsletter!https://www.agencygrowthpod.com/newsletter-----COMMUNITYLooking to join a community of agency owners? Join our Discord!https://discord.gg/uvHRRRFVRD-----CONTACTGot something to say? Send us a message:https://www.agencygrowthpod.com/contact

Send us a textCollege costs continue to rise, and for families dealing with divorce, remarriage, or complex finances, planning can feel overwhelming. In this episode of the Modern Arizona Podcast, Billie Tarascio sits down with a college funding expert to break down how financial aid really works and what parents need to understand before costly mistakes are made.Brad Baldridge is a College Funding Specialist and the founder of Taming the High Cost of College. With nearly 20 years of experience, Brad has helped thousands of families plan and pay for college without derailing their finances or retirement. As a financial expert, consultant, and podcast host, he teaches parents how to choose the right school, maximize financial aid and scholarships, and reduce reliance on student loans through smart, proven strategies.Topics discussed in this episode include:✔️ How divorce affects FAFSA and college financial aid eligibility✔️ The difference between FAFSA and the CSS Profile✔️ How income, assets, and remarriage impact aid calculations✔️ When families qualify for need-based aid and Pell Grants✔️ College planning strategies for divorced and blended families✔️ Why early planning matters more than most parents realizeLearn more and connect with Brad Baldridge:Website: https://www.tamingthehighcostofcollege.comIf you found this episode helpful, like, subscribe, and share it with someone planning for college.

"Think about how many times you've heard someone say, 'I can't do that.'"The real cost of a weak body isn't about looking bad in a t-shirt. It's about Missing the View.You miss the lighthouse view because there is no elevator.You miss the waterfall because it's a 3-mile hike.You miss the memories because you physically can't chase your grandkids.In this chapter of The Utility of Action, Vulcan breaks down the "Opportunity Cost" of low physical utility. When your body becomes the weak link, you stop being a participant in your life and start being a spectator.The Audit: Are you training for Vanity (Show) or for Capability (Go)? Don't let "I Can't" be the reason your world gets smaller.#FunctionalFitness #Stoicism #NoExcuses #MenOfAction #SundaySmoke

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally while it's on your mind. Start at Ridge lending group.com that's Ridge lending group.com    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Episode 96 On December 31, 1986, just hours before Puerto Rico would ring in the New Year, flames tore through the luxurious Dupont Plaza Hotel and Casino in San Juan. What began as a labor dispute escalated into one of the deadliest hotel fires in U.S. history, killing 97 people and injuring more than 140. In the aftermath, investigators would uncover arson, negligence, ignored safety recommendations, a chaotic evacuation, and a legal battle that reshaped fire codes across the hospitality industry. In this episode, we examine: The labor tensions and strike that set the stage for disaster The timeline of the fire and how it spread so rapidly How smoke and toxic gases became the primary killers Failures in life safety systems, egress, and emergency planning The investigation that quickly identified arson Criminal charges against arsonists Massive civil litigation and code reforms that followed Lessons learned in the context of other hotel/casino fires of the era 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, Melanie Curtis, 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:  Video & Documentary Sources Dupont Plaza Hotel Arson Investigation. Señor Onion's Archives. YouTube, April 13, 2021. https://www.youtube.com/watch?v=9JyUjUoX_so Dupont Plaza Hotel Arson of 1986. Señor Onion's Archives. YouTube, October 21, 2024. https://www.youtube.com/watch?v=tJsFLgxuDJ8 Government / Technical / Legal Reports Nelson, Harold E. “An Engineering Analysis of the Early Stages of Fire Development — The Fire at the Dupont Plaza Hotel and Casino — December 31, 1986.” NBSIR 87-3560, National Bureau of Standards, Center for Fire Research, U.S. Department of Commerce, April 1987. Levy, Harold M. “The Dupont Plaza Hotel Fire Litigation: A Case Study in Cooperative Defense.” Alternatives to the High Cost of Litigation, Vol. 7, No. 12, December 1989, pp. 215–233. José Francisco Rivera-Lopez, Plaintiff, Appellant, v. United States of America, Defendant, Appellee. U.S. Court of Appeals for the First Circuit, 4 F.3d 982, September 15, 1993. https://law.justia.com/cases/federal/appellate-courts/F3/4/982/525384/ (Note: First Circuit Local Rule 36.2(b)6 — Unpublished opinions may be cited only in related cases.) News & Contemporary Coverage (1987) “Teamsters Dispute with Dupont Plaza Dates Back Four Months.” UPI Archives, January 13, 1987. https://www.upi.com/Archives/1987/01/13/Teamsters-dispute-with-Dupont-Plaza-dates-back-four-months/7070215305413/ Brossy, Julie. “A Dupont Plaza Bar Boy Was Charged Today With…” UPI Archives, January 14, 1987. https://www.upi.com/Archives/1987/01/14/A-Dupont-Plaza-bar-boy-was-charged-today-with/8362537598800/ Hernandez, Moises. “Suspect in Hotel Fire Was Honored for Saving ‘Many Lives.'” UPI Archives, January 14, 1987. https://www.upi.com/Archives/1987/01/14/Suspect-in-hotel-fire-was-honored-for-saving-many-lives/2708537598800/ Gaulin, Edward J. “Defendants Plead Guilty in Dupont Plaza Hotel Fire.” UPI Archives, April 24, 1987. https://www.upi.com/Archives/1987/04/24/Defendants-plead-guilty-in-Dupont-Plaza-Hotel-fire/8801546235200/ Wilentz, Amy. “A New Year We'll Never Forget.” TIME, January 12, 1987. https://time.com/archive/6708028/a-new-year-well-never-forget/ Features, Retrospectives & Later Reporting Tepfer, Daniel. “A Vacation in Paradise Turns into Fiery Hell.” CTPost, Updated December 30, 2011. https://www.ctpost.com/news/article/a-vacation-in-paradise-turns-into-fiery-hell-2432149.php Reference / Encyclopedia & Summary Sources Dewey, Joseph. “Dupont Plaza Hotel Fire.” EBSCO Knowledge Advantage Research Starters, 2022. https://www.ebsco.com/research-starters/law/dupont-plaza-hotel-fire “Dupont Plaza Hotel Arson.” Grokipedia. https://grokipedia.com/page/Dupont_Plaza_Hotel_arson

Have you ever been taken aback at the checkout, even when just buying your usual groceries? We gathered voices from Sydney's Japanese community. Let's also look at what might happen with the first policy interest rate decision of the year, due in February. Sydney team's Haruka Shinno conducted the interviews at the venue. - いつもの食料品・日用品を買っているだけなのに、レジで驚くことはありませんか？シドニーの日系コミュニティーの声を集めました。２月に下される今年最初の政策金利決定についても、どうなるか考えてみましょう。

In this episode I finally explore a topic I've wondered about for a long time: circumcision. How did an ancient punishment for prisoners turned religious ritual become a medical procedure carried out by over 80% of Americans? What triggered doctors to start recommending circumcision for all newborn boys starting in the late 1800s and why doesn't the rest of the world do it too? What about the ethical implications of performing a body altering procedure on someone without their consent? Is there really a good reason to do it? Or does a 5.4 billion dollar a year industry come into play? Let's fix that. Support the show! Join the Patreon (patreon.com/historyfixpodcast)Buy some merchBuy Me a CoffeeVenmo @Shea-LaFountaineSources:UNAIDS "Male Circumcision: context, criteria, and culture"Journal of Pediatric Surgery "The evolutionary saga of circumcision from a religious perspective"Advanced Urological Care "Circumcision Revisited: An Historical Perspective"National Library of Medicine "Male genital representation in paleolithic art: erection and circumcision before history"Research Gate "High Cost of Circumcision"Wikipedia "Circumcision"Wikipedia "Prevalence of Circumcision"Johns Hopkins Medicine "Johns Hopkins Study: Newborn Male Circumcision Rates In US Dropped Between 2012 and 2022"Shoot me a message! Support the show

Imagine a grown man on a beach bragging about his towering sandcastle, only to watch the rising tide wash it all away. We'd call that foolish, yet we often live the same way—investing ourselves into accumulating earthly treasures as if they’re permanent. Jesus warns us about the danger of placing high value on things that […]

 Jill Lublin is a longtime publicity strategist and media expert with more than 25 years of experience helping entrepreneurs, authors, and professionals gain visibility without paying for advertising. Throughout her career, she has focused on demystifying publicity and removing financial and emotional barriers that keep people from sharing their message. Her work addresses common challenges, such as fear of visibility, unclear messaging, and the misconception that publicity requires expensive PR agencies. By reframing publicity as a skill that anyone can learn, she has helped clients turn personal stories, setbacks, and unique perspectives into compelling media features that drive credibility, trust, and business growth. In this episode of Marketer of the Day, Jill Lublin explains how she helps people become their own publicity machine by focusing on clear messaging, consistency, and practical weekly actions. She emphasizes spending as little as 30 minutes a week on real visibility-building activities such as Google Alerts, responding to media requests, and booking podcast interviews, rather than relying solely on social media. She shares examples of clients who transformed their stories into primary media coverage, book sales, and consulting revenue, reinforcing that publicity multiplies reach and monetizes expertise over time. Key takeaways include saying yes to opportunities, using all parts of your story, starting local, and viewing publicity as a long-term asset that builds authority, trust, and lasting influence. Quotes: “Publicity does not have to be expensive or complicated. When you make it accessible, it becomes a powerful tool for every entrepreneur.” “Consistency and persistence create publicity. When you stay focused and keep showing up, visibility follows.” “Spend 30 minutes a week on real visibility-building activities, and you will see momentum. Publicity rewards action, not perfection.” “Publicity is a gift that keeps on giving because it multiplies you, monetizes you, and maximizes your message.” Resources: Connect with Jill Lublin on LinkedIn Get Guerrilla Publicity: Hundreds of Sure-Fire Tactics to Get Maximum Sales for Minimum Dollars on Amazon. Explore Jill Lublin's strategies for gaining visibility and credibility.

Can you really build a profitable real estate portfolio in a place like Santa Cruz, California? Matt Mainini has done exactly that—and in this episode of The Property Profits Podcast, he shares how. From house hacking and seller financing to short-term rentals and affordable housing, Matt breaks down the smart strategies that helped him thrive in one of the priciest markets in the country. He also talks about his latest project: converting a hotel into over 100 studio units, with a majority dedicated to housing veterans. Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/ #RealEstateInvesting #CaliforniaRealEstate #AffordableHousing #VeteranHousing #PropertyProfits #HotelConversion

Most contractors don't fail because they're lazy. They fail because they quietly drift and tolerate chaos. In this episode, Tom breaks down the 5-step checklist to ensure 2026 isn't just a repeat of the stress and "should've been further along" bullshit of last year. From deciding your profit numbers to enforcing non-negotiable standards, it's time to stop acting like a handyman and start leading like a pro. Don't wake up next December having the same conversation with yourself.============================================================Grab The Contractor's Code to Cracking $1M free course.Click Here for Your FREE Access: https://thecontractorfight.com/code============================================================== Rate the Podcast ==Help your fellow contractors find the podcast! Please leave a rating/review.Apple PodcastsSpotify

Today, I'm discussing the hidden cost of playing it safe, a topic that's secretly all too familiar for women with strong track records of achievement. If you feel restless for that next big leap, yet find yourself sticking to the safe and predictable path, or even avoiding measured, everyday growth opportunities, this episode is for you. I'll help you rethink what responsibility and excellence truly mean, and shed light on why we avoid risk and how to start taking meaningful, supported risks to bring more growth and fulfillment into our lives. From navigating childhood patterns of perfectionism to confronting the fears that keep us boxed in, the insights I'm sharing will help you shift from stagnation to flowing brilliance. This conversation is your invitation to stop shrinking your possibilities and start stretching into your potential and a vibrant next chapter designed just for you!  Show Highlights: Risk aversion in successful women and its disguises. [01:00] The excellence trap of achievement. [04:06] Early social conditioning behind risk aversion. [06:09] Fears that drive safety-seeking behavior. [06:41] Considering the risk of end-of-life regrets. [09:36] How safety breeds stagnation and resentment. [10:15] Is risk-taking a learnable skill? [12:24] My big swing with the Brave initiative. [13:36] How to take your next "Brave" step with Brilliant Balance. [15:25] If you're ready to make courageous choices that create a life you love, join the BRAVE waitlist today: https://brilliant-balance.com/brave Subscribe to the Brilliant Balance Weekly: www.brilliant-balance.com/weekly Follow Cherylanne on Instagram: www.instagram.com/cskolnicki

Supply-Side Progressivism and the High Cost of Green Energy Regulation — Steven Hayward — Haywardexamines the emerging "supply-side progressivism" movement championed by Ezra Klein, which belatedly acknowledges that excessive regulatory frameworks systematically damage economic competitiveness and living standards. Hayward criticizes these progressive intellectuals for acting as though they discovered this reality, ignoring forty years of conservative scholarship documenting regulatory deadweight losses. Hayward highlights California'ssoaring gasoline prices—approaching $7 per gallon in certain jurisdictions—resulting from regulatory destruction of refinery capacity while mandating electric vehicle transition by 2035, creating structural energy price inflation. 1932

Fareed Zakaria joins the show to discuss The Age of Revolutions: Progress and Backlash from 1600 to the Present, arguing that the past 30 years of globalization, AI, and cultural upheaval rival the Industrial Revolutions in their political consequences. He makes the case that today's populist surges—from Sweden to the U.S.—are driven less by economics than by immigration-fueled cultural anxiety, and that Democrats' failure to manage the border gave Trump his strongest 2.0 issue. Plus: the top of the show digs into the Federal Government's error-riddled Texas redistricting defense—complete with "sh*ts and gingles." Produced by Corey Wara Email us at ⁠⁠⁠⁠thegist@mikepesca.com⁠⁠⁠⁠ To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/TheGist⁠⁠⁠⁠ Subscribe to The Gist: ⁠⁠⁠⁠https://subscribe.mikepesca.com/⁠⁠⁠⁠ Subscribe to The Gist Youtube Page: ⁠⁠⁠⁠https://www.youtube.com/channel/UC4_bh0wHgk2YfpKf4rg40_g⁠⁠⁠⁠ Subscribe to The Gist Instagram Page: ⁠⁠⁠⁠GIST INSTAGRAM⁠⁠⁠⁠ Follow The Gist List at: ⁠⁠⁠⁠Pesca⁠⁠⁠⁠ ⁠⁠⁠⁠Profundities | Mike Pesca | Substack⁠⁠⁠⁠