Podcasts about households

The latest figures from the Commission for Regulation of Utilities make for stark reading. More than 328,000 households are behind on their electricity bills, with almost 189,000 in gas arrears. Hundreds of households are also being disconnected for failing to pay.  With energy prices remaining high and further increases on the way, what should Government be doing when the Dáil returns from its summer break?  Joining Alan Morrissey earlier to discuss the growing pressure on families were Shannon Sinn Féin TD Donna McGettigan, and Fianna Fáil TD Cathal Crowe / Fine Gael TD Joe Cooney. Photo (c) AndreyPopov from Getty Images via Canva

Commonwealth Bank has delivered a record full-year profit of $10.98 billion, but Australia’s biggest bank is also seeing clear signs of a slowing economy. Mortgage applications have fallen, household pressures are building and CBA expects housing credit growth to weaken.Sean Aylmer speaks with Commonwealth Bank CEO Matt Comyn about what the bank is seeing inside the Australian economy, the impact of changes to housing taxes, why slower home lending could cost CBA around $100 million in revenue, the outlook for interest rates and housing, and where the bank is investing in AI.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

Hello everyone; in this episode we talk women's bodies and all the fun that comes along with aging. Yes we may have covered this before but who doesn't like talking about real life- we do! Also, lets be honest my memory isn't what it used to be so who knows what I have said already. I hope you take a listen and have a laugh because someone out there can relate to us! 

Join us as Pastor Tim Powell brings us today's message. To learn more about NLC Greenbrier- TEXT "Greenbrier" TO: 88000 to connect with us!

Everyone in Australia on the night of Tuesday, 11 August 2026 must be counted in the Census, including people on student, bridging, tourist, and any other kind of temporary or permanent visas. Completing it is compulsory under law. Households that don't respond receive a formal written direction, and refusing after that can lead to prosecution and fines of up to $364 a day. In this episode, Swati Sharma explains how to fill out the form, what to do if you're overseas on the night, the ancestry question, the religion question and how to identify Census related scams. Listen now.

This week on Inside the Economy, we explore consumer spending, interest rates, world markets, and where oil stands today. Recent data shows consumer spending continues to be elevated while wage increases are slowing, with wage earners feeling the pressure. Households earning $125,000 or less are beginning to experience greater financial strain, but is this a temporary squeeze or could it be the start of a broader shift in consumer behavior? Homes currently on the market are taking longer to sell, and prices have come down somewhat. Would another increase in interest rates push prices down even further, and would that be a good thing for the overall health of the real estate market? Foreign holdings of U.S. financial assets have changed over time. In 2010, foreign investors held 33 percent of U.S. equities. What is that share in 2026? U.S. imports from Asia have risen significantly, but that growth is increasingly coming from countries other than China, while imports from China have declined to their lowest level in years. Which other countries are exporting more to the U.S., and what might the future hold for the trade relationship between the U.S. and China? Tune in to learn more. Key Takeaways: • 30-year Mortgage at 6.66% • S&P 500 Net Profit Margin expected to be 15.7% in Q2 2026 • U.S. GDP growth rate at 1.5% in Q1

This week on Inside the Economy, we explore consumer spending, interest rates, world markets, and where oil stands today. Recent data shows consumer spending continues to be elevated while wage increases are slowing, with wage earners feeling the pressure. Households earning $125,000 or less are beginning to experience greater financial strain, but is this a temporary squeeze or could it be the start of a broader shift in consumer behavior? Homes currently on the market are taking longer to sell, and prices have come down somewhat. Would another increase in interest rates push prices down even further, and would that be a good thing for the overall health of the real estate market? Foreign holdings of U.S. financial assets have changed over time. In 2010, foreign investors held 33 percent of U.S. equities. What is that share in 2026? U.S. imports from Asia have risen significantly, but that growth is increasingly coming from countries other than China, while imports from China have declined to their lowest level in years. Which other countries are exporting more to the U.S., and what might the future hold for the trade relationship between the U.S. and China? Tune in to learn more.   Key Takeaways: 30-year Mortgage at 6.66% S&P 500 Net Profit Margin expected to be 15.7% in Q2 2026 S. GDP growth rate at 1.5% in Q1

Every five years, the Census provides a snapshot of Australia's changing population, including its growing multicultural communities. Speaking to SBS Filipino, Dr Franklin Soriano, multilingual spokesperson for the Australian Bureau of Statistics (ABS), explained why the Filipino community's participation matters, how Census data is used to inform services and planning, and what households need to know when completing the Census. - Tuwing limang taon, nagsasagawa ang Australia ng Census. Sa panayam ng SBS Filipino, ipinaliwanag ni Dr. Franklin Soriano, multilingual spokesperson ng Australian Bureau of Statistics (ABS), kung sino ang kailangang lumahok, paano ginagamit ang impormasyong nakakalap at ano ang dapat malaman ng mga sambahayan bago ito sagutan.

The Australian Bureau of Statistics is reminding households to check their mailboxes as instructions for the compulsory August 11 Census begin arriving across the country. - Nagpaalala ang Australian Bureau of Statistics sa mga residente na tingnan ang kanilang mailbox habang nagsisimulang i-deliver ang mga tagubilin para sa obligadong Census sa Agosto 11.

Today on Galway Talks with Ollie Turner:  9am-10am  Galway pays tribute to Oscar winning songwriter Glen Hansard    Has Galway City Lost Its Spark? One listener thinks so   Galway Peace Walk Returns This Weekend  10am-11am Another Blow for Households as Electricity Costs Rise  Dunmore Man Takes on 24-Hour Croagh Patrick Challenge  We get some tips ahead of Ladies Day at BallyBrit   11am-12pm Campaign Grows to Bring Skatepark Back to Loughrea  We look ahead to the ladies All-Ireland Football final  Music Mornings - Mike Stewart joins us in studio 

On episode 475, Michael Batnick and Ben Carlson discuss: a good sign for the bull market, semoconductor stocks crashing, why valuations keep falling, everyone is bearish about bonds, South Korea traders, how big SpaceX could get, why people keep spending money, Netflix is still dominating streaming, why there aren't more IMAX theaters and more. This episode is sponsored by YCharts and Calamos. To learn more and get 20% off your initial YCharts Professional subscription to take Y for a spin (new customers only), visit https://go.ycharts.com/animal-spirits To learn more about CAIE, visit https://www.calamos.com/funds/etf/calamos-autocallable-income-caie Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Father Koys takes us on another “brain wrinkling” walk as he tackles the topic of households. Households is one of the seven layers in Father Koys art piece “Heptagraph”.  Fr. Koys wrinkles your brain to contemplate this level of association as he references historical references to clarify the fascinating connections.  He dives into historical references on Shakespeare, the House of Plantagenet; it's two branches, House of York and House of Lancaster, as well as the House of Tudor and the war of the Roses.  While experiencing technical difficulties today, Father Koys was a real trooper and trudge along to make his point in order to wrinkle your brain.  Happy Wednesday! St. Stanislaus Kostka Parish 

Households will soon face higher electricity bills after the Commission for the Regulation of Utilities approved a new €41 network charge for this October. What does this mean for the consumer in the already most expensive country in Europe for electricity, and what else could we expect?Joining Ciara to discuss is Daragh Cassidy from the bill switching site Bonkers.ie…

A leading housing charity worked with over 200 Clare households in a precarious rental situation between April and June of this year. Threshold has revealed it worked 210 cases in the county in the second quarter of 2026, with these households comprising 271 adults and 214 children. Of these, 156 households were at risk of homelessness. Threshold National Advocacy Manager Ann-Marie O'Reilly says the majority of people it liaised with in Clare were facing imminent eviction.

Rules For Christian Households

Households Divided Brandon Rodriguez Jesus came to divide those who follow Him from those who reject Him. Just as a drum shield creates necessary separation to improve the music, Christ creates a necessary division between salvation and condemnation. He came to cast fire upon the earth, a fire that reveals and purifies, that shows God's judgment and His refining work in our lives. But before that fire comes the baptism of the cross, where Jesus will be immersed in suffering to bear the weight of our sin. He looks forward to that moment when His sacrifice will accomplish redemption for all who believe in Him.Your allegiance matters. The cross divides because it demands a choice from every person who hears the message. Will you follow Jesus or reject Him? Those who choose to follow will often be divided even from their own families, because His truth cuts through everything we build our lives on. But take heart, believer. Jesus knows suffering. He was acquainted with grief so that we might have peace with God, eternal peace that no worldly circumstance can shake. Do not be surprised if the world rejects you for following Him. Instead, hold fast to Christ, speak His truth with love, show the fruit of His Spirit, and trust that your hope rests not in this temporary life but in eternity with Him.

Insurance costs have been a major pain point for many households in recent years, but data from insurers shows many of us are finding solutions. Money correspondent Susan Edmunds has been looking into some new data and spoke to Ingrid Hipkiss.

Ann-Marie O'Reilly, National Advocacy Manager for Threshold

Truth Be Told with Booker Scott – New York families face rising energy bills, housing costs, and government spending that pushes opportunity out of reach. James Corell argues for reliable nuclear power, practical homeownership incentives, fiscal discipline, and leadership that protects taxpayers while restoring affordability, stability, and hope for young residents across the state and future generations...

Economists say households already feeling the squeeze from the cost of living could be about to face another blow. Many are expecting today's inflation figures to be at the highest level in two years, climbing to 4.1 percent in the year to June. Reporter Anna Sargent asked some people in Christchurch how they're feeling.

Ricardo Smith from Absa Investments weighs up consumer pressures, inflation and what to expect.

More than three years after ChatGPT's launch brought generative AI into the mainstream, OpenAI is broadening its focus beyond individual users to families. Learn more about your ad choices. Visit podcastchoices.com/adchoices

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/sociology

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening!

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/academic-life

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/public-policy

More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of color, and single-parent families, functioning as a private safety net for many in a country with extremely limited public support for families. Despite their prevalence, we know little about how shared households form and how they shape family life. Doubled Up is an in-depth look at the experiences of families with children living in doubled-up households. Drawing on extensive interviews with sixty parents living in doubled-up households, Dr. Hope Harvey examines what circumstances and motivations lead families to form doubled-up households, how living in shared households affects daily routines, and how families fare after these arrangements dissolve.Dr. Harvey shows that although families rely on doubling up to get by in the face of rapidly rising housing costs, precarious labor markets, and unaffordable childcare, these private arrangements are rarely sufficient to overcome such structural barriers. And doubling up incurs its own costs for both host and guest families. For doubled-up families, negotiating household relationships and navigating shared space reshapes family life. Understanding the dynamics of doubled-up households extends scholarship on family life beyond the nuclear family and points the way toward better policies that will serve all families. Guest: Dr. Hope Harvey is an assistant professor at the Martin School of Public Policy and Administration at the University of Kentucky and a research affiliate at the Center for Poverty Research. She is the author of the award-winning book Doubled Up. Host: Dr. Christina Gessler is an academic writing coach and editor. She is the producer and host of the Academic Life podcast. Playlist for listeners: What's On Her Mind: The Mental Workload of Family Life The Fight To Save The Town You're Doing It Wrong Raising Them What Do You Want Out Of Life How Girls Achieve What Might Be Welcome to Academic Life, the podcast for your academic journey—and beyond! Please join us again to learn from more experts inside and outside the academy, and around the world. Missed any of the 300+ Academic Life episodes? Find them here. And thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices

With temperatures expected to reach 30 degrees in parts of the country this week, Uisce Eireann is urging households to be more mindful of their water usage.Margaret Attridge of Uisce Éireann, and Alan O'Reilly of Carlow Weather, join Matt to discuss their top tips to conserve water during a heatwave. Catch the full chat by pressing the 'Play' button on this page!

What was it like to live in a city experiencing occupation by a foreign army? What did it mean when a family had to quarter an officer in their home? More specifically, how did military occupation affect the women and men who lived in those cities, and alter the gender system? Lauren Duval's The Home Front: Revolutionary Households, Military Occupation, and the Making of American Independence (Omohundro Institute and the University of North Carolina Press, 2025) tackles the these questions by looking at the experiences of a wide range of Americans, Black and white, in the cities occupied by the British during the American Revolution. Why the household? Because this was the primary social and economic unit of the day, a site where people during the war encountered unprecedented threats to their sense of social order. By looking at households, we gain not only an intimate view of the experience of war, but also a sweeping interpretation of the effects of war on American understandings of gender and power. Some Americans saw military occupation as a threat, full stop. It challenged men's senses of power and authority over their families, and the ever-present threat of rape hovered over women and girls. But because occupation could loosen some of the patriarchal control in the household, it could also offer tempting new opportunities. Free and enslaved Black people could take advantage of the disruptions to make calculated moves to gain freedom—or more freedom than they currently enjoyed. Black and white women could hope for a different kind of freedom when they forged relationships with military men. In all, The Home Front reveals entire worlds of young women, British officers, anxious patriarchs, enslaved Black women, German soldiers, and wives struggling to survive while their husbands or sons languished in prison or served in the military. And when the book turns to the postwar era, it reveals a stunning assessment of how those experiences of military occupation altered Americans' views of household social order. As a result, Duval's book does something unusual: it threads the needle between military history and the history of gender, women, and sexuality. Join us for this conversation between Lauren Duval and Carolyn Eastman (The Strange Genius of Mr. O and President of the Society for Historians of the Early American Republic) and get a glimpse into the experience of living during wartime. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

What was it like to live in a city experiencing occupation by a foreign army? What did it mean when a family had to quarter an officer in their home? More specifically, how did military occupation affect the women and men who lived in those cities, and alter the gender system? Lauren Duval's The Home Front: Revolutionary Households, Military Occupation, and the Making of American Independence (Omohundro Institute and the University of North Carolina Press, 2025) tackles the these questions by looking at the experiences of a wide range of Americans, Black and white, in the cities occupied by the British during the American Revolution. Why the household? Because this was the primary social and economic unit of the day, a site where people during the war encountered unprecedented threats to their sense of social order. By looking at households, we gain not only an intimate view of the experience of war, but also a sweeping interpretation of the effects of war on American understandings of gender and power. Some Americans saw military occupation as a threat, full stop. It challenged men's senses of power and authority over their families, and the ever-present threat of rape hovered over women and girls. But because occupation could loosen some of the patriarchal control in the household, it could also offer tempting new opportunities. Free and enslaved Black people could take advantage of the disruptions to make calculated moves to gain freedom—or more freedom than they currently enjoyed. Black and white women could hope for a different kind of freedom when they forged relationships with military men. In all, The Home Front reveals entire worlds of young women, British officers, anxious patriarchs, enslaved Black women, German soldiers, and wives struggling to survive while their husbands or sons languished in prison or served in the military. And when the book turns to the postwar era, it reveals a stunning assessment of how those experiences of military occupation altered Americans' views of household social order. As a result, Duval's book does something unusual: it threads the needle between military history and the history of gender, women, and sexuality. Join us for this conversation between Lauren Duval and Carolyn Eastman (The Strange Genius of Mr. O and President of the Society for Historians of the Early American Republic) and get a glimpse into the experience of living during wartime. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

Households and businesses in Oamaru are in clean-up mode after torrential rain and flooding. Floodwaters seeped into the Oamaru Club's clubrooms. President Steven Begley spoke to Ingrid Hipkiss.

What was it like to live in a city experiencing occupation by a foreign army? What did it mean when a family had to quarter an officer in their home? More specifically, how did military occupation affect the women and men who lived in those cities, and alter the gender system? Lauren Duval's The Home Front: Revolutionary Households, Military Occupation, and the Making of American Independence (Omohundro Institute and the University of North Carolina Press, 2025) tackles the these questions by looking at the experiences of a wide range of Americans, Black and white, in the cities occupied by the British during the American Revolution. Why the household? Because this was the primary social and economic unit of the day, a site where people during the war encountered unprecedented threats to their sense of social order. By looking at households, we gain not only an intimate view of the experience of war, but also a sweeping interpretation of the effects of war on American understandings of gender and power. Some Americans saw military occupation as a threat, full stop. It challenged men's senses of power and authority over their families, and the ever-present threat of rape hovered over women and girls. But because occupation could loosen some of the patriarchal control in the household, it could also offer tempting new opportunities. Free and enslaved Black people could take advantage of the disruptions to make calculated moves to gain freedom—or more freedom than they currently enjoyed. Black and white women could hope for a different kind of freedom when they forged relationships with military men. In all, The Home Front reveals entire worlds of young women, British officers, anxious patriarchs, enslaved Black women, German soldiers, and wives struggling to survive while their husbands or sons languished in prison or served in the military. And when the book turns to the postwar era, it reveals a stunning assessment of how those experiences of military occupation altered Americans' views of household social order. As a result, Duval's book does something unusual: it threads the needle between military history and the history of gender, women, and sexuality. Join us for this conversation between Lauren Duval and Carolyn Eastman (The Strange Genius of Mr. O and President of the Society for Historians of the Early American Republic) and get a glimpse into the experience of living during wartime. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

What was it like to live in a city experiencing occupation by a foreign army? What did it mean when a family had to quarter an officer in their home? More specifically, how did military occupation affect the women and men who lived in those cities, and alter the gender system? Lauren Duval's The Home Front: Revolutionary Households, Military Occupation, and the Making of American Independence (Omohundro Institute and the University of North Carolina Press, 2025) tackles the these questions by looking at the experiences of a wide range of Americans, Black and white, in the cities occupied by the British during the American Revolution. Why the household? Because this was the primary social and economic unit of the day, a site where people during the war encountered unprecedented threats to their sense of social order. By looking at households, we gain not only an intimate view of the experience of war, but also a sweeping interpretation of the effects of war on American understandings of gender and power. Some Americans saw military occupation as a threat, full stop. It challenged men's senses of power and authority over their families, and the ever-present threat of rape hovered over women and girls. But because occupation could loosen some of the patriarchal control in the household, it could also offer tempting new opportunities. Free and enslaved Black people could take advantage of the disruptions to make calculated moves to gain freedom—or more freedom than they currently enjoyed. Black and white women could hope for a different kind of freedom when they forged relationships with military men. In all, The Home Front reveals entire worlds of young women, British officers, anxious patriarchs, enslaved Black women, German soldiers, and wives struggling to survive while their husbands or sons languished in prison or served in the military. And when the book turns to the postwar era, it reveals a stunning assessment of how those experiences of military occupation altered Americans' views of household social order. As a result, Duval's book does something unusual: it threads the needle between military history and the history of gender, women, and sexuality. Join us for this conversation between Lauren Duval and Carolyn Eastman (The Strange Genius of Mr. O and President of the Society for Historians of the Early American Republic) and get a glimpse into the experience of living during wartime. Learn more about your ad choices. Visit megaphone.fm/adchoices

What was it like to live in a city experiencing occupation by a foreign army? What did it mean when a family had to quarter an officer in their home? More specifically, how did military occupation affect the women and men who lived in those cities, and alter the gender system? Lauren Duval's The Home Front: Revolutionary Households, Military Occupation, and the Making of American Independence (Omohundro Institute and the University of North Carolina Press, 2025) tackles the these questions by looking at the experiences of a wide range of Americans, Black and white, in the cities occupied by the British during the American Revolution. Why the household? Because this was the primary social and economic unit of the day, a site where people during the war encountered unprecedented threats to their sense of social order. By looking at households, we gain not only an intimate view of the experience of war, but also a sweeping interpretation of the effects of war on American understandings of gender and power. Some Americans saw military occupation as a threat, full stop. It challenged men's senses of power and authority over their families, and the ever-present threat of rape hovered over women and girls. But because occupation could loosen some of the patriarchal control in the household, it could also offer tempting new opportunities. Free and enslaved Black people could take advantage of the disruptions to make calculated moves to gain freedom—or more freedom than they currently enjoyed. Black and white women could hope for a different kind of freedom when they forged relationships with military men. In all, The Home Front reveals entire worlds of young women, British officers, anxious patriarchs, enslaved Black women, German soldiers, and wives struggling to survive while their husbands or sons languished in prison or served in the military. And when the book turns to the postwar era, it reveals a stunning assessment of how those experiences of military occupation altered Americans' views of household social order. As a result, Duval's book does something unusual: it threads the needle between military history and the history of gender, women, and sexuality. Join us for this conversation between Lauren Duval and Carolyn Eastman (The Strange Genius of Mr. O and President of the Society for Historians of the Early American Republic) and get a glimpse into the experience of living during wartime.

Chris Markowski discusses the importance of financial freedom and living well. He reflects on current societal issues, emphasizing the need for community and family values. The conversation delves into economic realities, particularly the impact of dual-income households on financial well-being. McFadden warns against the dangers of a gambling society and advocates for a return to traditional values and self-correction in society.

Scammers are using increasingly convincing AI generated videos to steal people's money. We hear from a victim who had £165,000 stolen and ask an expert how to spot the warning signs before it's too late.The government has promised new financial rights for cohabiting couples. We examine what the plans could mean for the three and a half million couples in the UK who live together without being married or in a civil partnership.Households in Northern Ireland will see their gas and electricity bills rise next month. We find out what's behind the increase and what support is available.Plus, why is one MP comparing parts of England's student loan system to some of the country's biggest financial scandals?Presenter: Paul Lewis Reporters: Hannah Mullane, Jo Krasner, and Niamh Mc Dermott. Editor: Sarah Rogers(First broadcast 12pm Saturday 6th June 2026)

In this episode of Maximal Fire, we take a deep dive into Knight Households in Legions Imperialis, exploring how these towering engines of war perform on the tabletop and how to get the most out of them in your games.We break down the full range of Knight Household units, including their strengths, weaknesses, battlefield roles and best use cases. We also discuss formations, support formations, army construction, list-building choices and how Knights can fit into both casual and competitive Legions Imperialis armies.This episode also looks at taking Knight Households to Legions Imperialis tournaments, including what they do well, where they can struggle, and how to approach match-ups against different army types.Whether you are building a full Knight Household force, adding Knights as support to your Legiones Astartes or Solar Auxilia army, or preparing for your next tournament, this episode is packed with discussion, tactics and hobby insight.Topics include:Knight Households in Legions ImperialisKnight Household formations and support formationsLegions Imperialis army buildingKnight units and battlefield rolesCompetitive Legions Imperialis tacticsTournament play and list constructionEpic scale Horus Heresy gamingDon't forget to like, comment and subscribe for more Legions Imperialis, Horus Heresy, Warhammer and tabletop gaming content from Maximal Fire.

Whether you've been enjoying or enduring the summer heatwave, running that new air-con unit has just got a whole lot more expensive.For millions of people across England, Scotland and Wales the cost of household energy has soared by 13% from the 1 July – following the latest rise in the energy price cap.The war in Iran is largely to blame, thanks to the closure of the Strait of Hormuz and subsequent spike in oil and gas prices.But Donald Trump's military action began at the end of February, so why are we only beginning to feel the impact now? How long will the current high prices persist and are there any tricks for reducing those domestic bills?Mhari Aurora is joined by Sky's business news reporter James Sillars.Have you got a question for the podcast? Email us: why@sky.uk

Over one million Irish households will see their energy bills increase today. As price hikes from Electric Ireland, the country's biggest electricity supplier, and Yuno Energy come into effect. We get recaction from Daragh Cassidy, Head of Communications at Bonkers.ie.

Clement Manyathela speaks to Katlego Ditshego, who is the JOSHCO Acting CEO to better understand what the entity does and how it provides accommodation for low-income households in Johannesburg. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

0:00 Intro 0:03 Todays question 0:12 Homeless 1:17 Hamptons house 1:53 Drugs 3:51 Property management 4:28 Fines 5:13 Penthouse 5:26 Yacht 6:41 Landscaping 7:33 Cleaning 8:35 Flying 9:59 Art handler 10:29 Cars 10:50 Painting 11:15 Watch 11:32 Allowance Learn more about your ad choices. Visit megaphone.fm/adchoices

send us a text via Fan Mail!what can we do at the point in Lent?ContactOn Instagram at @make.joy.normal By email at makejoynormal@gmail.comSearch podcast episodes by topic www.bonnielandry.caShop my recommended resourcesThanks for listening to Make Joy Normal Podcast! 

Your 60-second money minute. Today's topic: Households Worry About Money Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does it really take to build a successful career as a Private PA?In this episode of Life in Private Staffing, Philippa is joined by experienced Private PA Will Graham, who shares his journey through the world of private households, celebrity support, freelancing and lifestyle management.Having worked with high-profile principals across a variety of sectors, Will offers a fascinating insight into the realities of working behind the scenes for UHNW individuals, navigating discretion, building trust and creating long-lasting professional relationships.Together, Philippa and Will discuss how the role of a Private PA has evolved, the opportunities available within private staffing today, and the skills that truly set exceptional candidates apart.In this episode, Philippa and Will cover:✨ How Will landed his first Private PA role

When you have multiple family members working together to earn travel rewards, it becomes more important to share and combine points. So which programs are best for this ability to share?(02:07) - Why Transferable Points matter(05:07) - Why transferable point sharing matters(07:20) - Read more about Citi discontinuing points sharing hereAnd read about Wells Fargo's end to combining points here(08:04) - Transferable points ranked from worst to best for points sharingSubscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast NetworkFrequent Miler's Best Offers Pagehttps://frequentmiler.com/best-credit-card-offers/

Dr Claire Keane, Associate Research Professor at the Economic and Social Research Institute, discusses its latest report which has found that recent energy price increases are placing a disproportionate burden on low-income households.

This week on Tea Time with Gabby Lamb and Harper-Rose Drummond, the honks are BACK with part 2 of listener-submitted chaotic household stories — and somehow these are even more unhinged than the first round. From “camping” for two years without realizing you were homeless, to basement napalm experiments, weird family dynamics, chaotic siblings, and absolute childhood madness, this episode is messy, hilarious, dark, and painfully relatable. If you love candid comedy, chaotic storytelling, and feeling like you're on FaceTime with your funniest friends, welcome home. Grab your V8, your emotional support ramen, and spill the tea with us. Tea Time is the comedy podcast where Gabby Lamb and Harper-Rose Drummond take life's worst moments and somehow make them funny through pure honesty, chaos, and way too much sharing. Subscribe for weekly episodes full of listener stories, relatable struggles, funny commentary, and the kind of unhinged energy that makes you feel a little better about your own life. Find & instantly book doctors appointments with ZocDoc @ http://ZocDoc.com/HONK If you love the show and want to support us, join our growing community on Patreon to see what we're giving for $5 a month! JOIN OUR PATREON https://www.patreon.com/teatime42069 Watch Gabby Lamb's set here: https://www.youtube.com/watch?v=J7oOYWgK598 Donate to Gabby's Fundraiser - Salam Charity https://www.launchgood.com/v4/campaign/gabbys_appeal_for_emergency_aid More info - https://www.salamcharity.org.uk/ https://www.instagram.com/fromnadawithlove_/

In this episode, we are joined by Shelly Antoniewicz, Chief Economist at the Investment Company Institute (ICI), for a data-rich exploration of the modern fund industry. Shelly walks us through the staggering scale of global regulated funds, how ETFs and mutual funds shape capital allocation, and why the rise of indexing may not be as disruptive as critics fear. We discuss the growth of ETFs versus mutual funds, increasing concentration among large fund sponsors, and how financial advisors are reshaping portfolios around low-cost investment products. Shelly also explains why fund fees keep falling, how 401(k) plans have democratized investing for middle-class households, and why investor choice remains central to healthy capital markets. Along the way, we unpack active ETFs, intraday liquidity, interval funds, private credit exposure, and the evolving role of retail investors in financial markets.   Key Points From This Episode: (0:00:00) Introducing Shelly Antoniewicz and the role of the Investment Company Institute.  (0:01:14) The Investment Company Fact Book and why it has become a foundational resource for fund industry data.  (0:03:31) Regulated funds globally now account for roughly $88 trillion in assets.  (0:04:47) The U.S. market contains nearly 17,000 investment companies across mutual funds, ETFs, and related structures.  (0:05:40) U.S. equity funds alone hold roughly $27 trillion in assets.  (0:06:52) More than half of mutual fund and ETF assets are now in index strategies.  (0:07:40) Why index funds still represent only a minority share of the overall U.S. stock market.  (0:09:48) What academic research says about indexing's impact on price discovery and market efficiency.  (0:13:10) There are nearly 770 fund sponsors in the U.S., though industry concentration continues to rise.  (0:13:42) ETF sponsors experienced enormous inflows in 2025, with 90% receiving net new cash.  (0:15:23) Why the largest fund complexes now control a much larger share of industry assets.  (0:16:06) Compliance costs and regulation as drivers of industry consolidation.  (0:17:31) Falling expense ratios as evidence that the industry remains highly competitive.  (0:19:28) How investor flows often reflect rebalancing behavior rather than performance chasing.  (0:22:32) Why ETF investors highly value intraday liquidity, even if most do not actively trade.  (0:23:27) Research on ETF trading behavior among younger investors and retail participants.  (0:27:11) The massive shift from actively managed U.S. equity mutual funds toward indexed products.  (0:27:51) How financial advisors increasingly use model portfolios built around ETFs.  (0:31:20) Why active ETFs exploded in popularity after the ETF rule streamlined launches.  (0:32:31) The growing distinction between ETF wrappers and investment strategies themselves.  (0:33:05) Leveraged and niche ETF products, investor choice, and financial education.  (0:35:48) More than half of U.S. households now own regulated investment funds.  (0:36:41) How 401(k) plans dramatically increased middle-class participation in capital markets.  (0:39:16) Households remain the dominant owners of mutual fund assets.  (0:40:28) The demographic profile of the typical mutual fund-owning household.  (0:41:16) ETF-owning households tend to skew younger, wealthier, and more risk tolerant.  (0:42:03) Mutual fund assets continue to grow despite persistent outflows toward ETFs.  (0:43:39) How investor risk tolerance changes with age and market conditions.  (0:46:22) Economies of scale and the continued decline in fund fees.  (0:47:51) Interval funds, BDCs, and the rise of regulated private credit products.  (0:49:36) Redemption caps and liquidity management inside interval funds.  (0:52:51) Shelly reflects on the enduring popularity of the Investment Company Fact Book.  (0:55:05) Shelly's definition of success: raising children who tell you they love you.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)