Podcasts about how does it work

Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, how one state plans to use controversial technology to slow down speeders. Clark Stinks: Segments 1 & 2 Intelligent Speed Assist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: “Clark Stinks!” - by Son of Scotland How To Open a Roth IRA 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Use Priceline To Save on Travel What Is an HSA Account and How Does It Work? Virginia will use technology to slow chronic speeders' cars Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, learn more about I-Bonds. Are they still worth buying? Clark explains how I-Bonds work and why they can be a solid part of your saving strategy. Also, the tariff news keeps coming, with a temporary reprieve on goods from China now in effect. Clark discusses what this will mean for consumers and merchants moving forward. Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 The Tariff Reprieve: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Things To Know About Series I Savings Bonds Do Not Use Smartwatches or Smart Rings to Measure Blood Glucose Levels: FDA Safety Communication Dexcom G7 CGM and Stelo Glucose Biosensor Subaru Ascent SUVs Recalled. Automaker Advises Owners to Park Outside and Away From Structures. The Center For Auto Safety How Much Money Do I Need in My Emergency Fund? HSA Store - Learning Center What Is an HSA Account and How Does It Work? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What You're Going to Learn in This Video:If you're a new business owner with a limited budget and you're unsure whether to invest in SEO or paid ads, this video breaks it down for you with practical, real-world insights. You'll learn the key differences between paid ads and SEO, how long each takes to generate results, the associated costs, and how to decide based on your current stage. Discover why paid ads might be a better initial investment to test product-market fit, and when SEO becomes a powerful long-term strategy. This is a must-watch if you're looking to maximize ROI from day one.

What do the St. Louis Rams and Prince have in common? Their stories illustrate the pros and cons of an ILIT—or, more accurately, what happens when estate planning tools like an ILIT aren't used at all. https://www.youtube.com/live/ni7KgQ_ZTLI They both became cautionary tales of what happens when estate planning falls short. When Georgia Frontiere passed away, her heirs were forced to sell the Rams to cover estate taxes. Prince's estate? Still tied up in probate years after his death. These aren't stories of neglect or ignorance. These are stories of high-capacity individuals who didn't have the right tools in place. And that's why today's conversation matters. Because we're diving into a financial strategy that could mean the difference between your family being forced to sell a cherished asset—or preserving it for generations. We're talking about ILITs: Irrevocable Life Insurance Trusts. Why ILITs Matter More Than You Might ThinkWhat Is an ILIT and How Does It Work?Estate Taxes: Why the Exemption Threshold MattersThe Pros and Cons of an ILITThe Pros of Using an ILITThe Cons of Using an ILITWhen Does an ILIT Make Sense?Strategic Flexibility: You Don't Have to Choose All or NothingThe Generational Impact of Strategic PlanningIs an ILIT Right for You?Book A Strategy Call Why ILITs Matter More Than You Might Think Whether you're familiar with ILITs or hearing the term for the first time, this strategy could hold the key to protecting your estate, reducing tax liability, and setting up your heirs for success. But it's not a one-size-fits-all solution. In fact, it may not be the right move for everyone—but for some, it can be one of the most powerful wealth-preserving tools available. This blog will unpack what an ILIT is, how it works, and most importantly, the pros and cons of an ILIT. We'll also explore the real-life application of ILITs, share client insights, and equip you with actionable steps you can take. By the end, you'll know if this tool aligns with your multigenerational vision and the legacy you want to leave. And if it does, you'll be empowered to act decisively. What Is an ILIT and How Does It Work? An ILIT—short for Irrevocable Life Insurance Trust—is exactly what it sounds like: a trust that holds life insurance outside of your estate. It has its own tax ID, its own trustee (not you), and its own beneficiaries. This separation means that when you pass, the death benefit doesn't get added to your estate total—which could potentially save your heirs from paying up to 40% in federal estate tax on that benefit. At the state level, those percentages could be even more aggressive depending on where you live. That's the power of an ILIT: separation equals protection. It turns your life insurance policy into a strategic asset that bypasses probate and keeps your wealth intact. Estate Taxes: Why the Exemption Threshold Matters Right now, the estate tax exemption for a couple is over $26 million. That means if your estate is worth less than that, you won't owe federal estate taxes. But here's the catch: that number is a moving target. It's not static, and it's not guaranteed. Congress has changed it before and will likely do so again. Under previous administrations, the exemption was as low as $2 million. And with $36 trillion in national debt and rising, the likelihood of Congress lowering that threshold is very real. It's not a matter of if the rules will change—it's a matter of when. And if you wait until after they do, it may be too late to put the right tools in place. That means even if your estate is valued at $10 or $15 million today, you could face estate taxes tomorrow—unless you plan proactively. The Pros and Cons of an ILIT The Pros of Using an ILIT Reduces Estate Taxes: The biggest benefit. By keeping the death benefit outside your estate, you prevent your estate from ballooning in value and triggering taxes.

Today, Clark talks GOLD! Should you be buying gold to help offset the uncertainty of the stock market? Clark discusses the nature of gold as an asset, and, should you decide to buy it, the best way to do so. Also - you may have seen lots of ads lately from the big cell phone carriers. Is it time to switch?  Gold As An Asset: Segment 1 Ask Clark: Segment 2 Cell Phone Plan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy Gold? Is It a Good Investment? Should You Buy Gold at Costco? Warning: How You Should NOT Buy Gold Trump Says Tariffs Are Reciprocal. They Aren't. The trade deficit isn't an emergency – it's a sign of America's strength WSJ: Verizon Offers 3-Year Price Lock for Wireless Customers Best Verizon MVNOs: Cell Phone Companies That Use Verizon's Towers Verizon Wireless Deal: Get Four Unlimited Lines for $100 13 New Cell Phone Deals in April  - Google Fi Review The Best Phone Plan For You – Compare Phone Plans Best Phone Plans: Get Exactly What You Want at the Cheapest Price Xfinity Mobile Review: Verizon's Network Starting at $20 a Month Spectrum Mobile Review: 7 Things To Know Before You Sign Up Automatic Bill Pay: How It Works and How To Do It Safely Charles Schwab Review: Pros & Cons 5 Money Tips To Know Before You Travel Abroad What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Mindful Monday, Everyone! In this week's episode how host Allie Brooke shares about diving deep into the powerful and practical framework of Rational Emotive Behavior Therapy (REBT): the ABC model. We'll meticulously break down each component – Antecedent (the activating event), Behavior (your reaction), and Consequence (the result) – and reveal how understanding this sequence is the key to unlocking emotional freedom. More than just explaining the theory, Allie will guide you through the process of reverse-engineering your own emotional experiences. Learn how to trace back your current feelings and behaviors to the specific triggers that set them in motion. By understanding these patterns, you can identify the often-hidden beliefs and thought processes that fuel your reactions. This episode will equip you with actionable techniques to challenge unhelpful thoughts, modify your behaviors, and ultimately create more positive and adaptive emotional outcomes in your life. Episode Topics Decoding the ABCs: What is the REBT Model and How Does It Work? Reverse Engineering Your Emotions: How to Trace Your Feelings Back to Their Source Uncovering Hidden Beliefs: Identifying the Thoughts That Fuel Your Reactions Challenging Unhelpful Thoughts: Practical Techniques for Cognitive Restructuring From Reaction to Response: Modifying Your Behaviors for Emotional Well-being The Growth METHOD. Membership Join Here! Use Code:growthmindsetgal for 50% off your first month's subscription! 1:1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ GROWTH MINDSET COACHING PROGRAMS! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Application Form ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Coaching Programs information What are the coaching sessions like?⁠⁠ Tailored weekly discussion questions and activities to spark introspection and self-discovery. Guided reflections to help you delve deeper into your thoughts and feelings. Thoughtfully facilitated sessions designed to provide maximum support, accountability, and growth. Please apply for a FREE discovery call with me! Allie's Socials Instagram:@thegrowthmindsetgal TikTok: @growthmindsetgal Email: thegrowthmindsetgal@gmail.com Links from the episode Growth Mindset Gang ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram Broadcast Channel Growth Mindset Gang Newsletter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Growth Mindset Gal ⁠⁠Website⁠⁠ Better Help Link: Save 10% ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://betterhelp.com/growthmindsetgal Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, when it comes to medical insurance denials, companies count on people just paying up. But those who appeal are often successful. Clark shares a new guide that makes the appeal process easier.   Clark Stinks: Segments 1 & 2 Appeal Health Insurance Denial: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Certificate of Deposit (CD): What Is It, Best Places To Open One Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account 23andMe Bankruptcy: Why You Should Erase Your Data Now What Is a Solo 401(k) and How Does It Work? When Is the Best Time To Collect Social Security? What Is an ABLE Account? Find Out Why Health Insurance Denied Your Claim What Should You Do if Your Insurance Claim Is Denied? Can a Patient Advocate Help With Your Medical Bills? What's the Best Way To Send Money Overseas? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As we relaunch Successful Scales, we're thrilled to kick things off with none other than Certified EOS Implementer Leslie Camacho.In this episode, we dive into Leslie's journey, unpacking his experiences and expertise as we explore the real (and often messy) side of business growth. We explore what the EOS (Entrepreneurial Operating System) framework looks like in practice, how different businesses experience it, and what it really takes to overcome the challenges that come with growth.From leadership mindset shifts to building transparency and clarity within your organization, this conversation is packed with practical insights and real talk that any business leader can learn from.Timestamps0:00 Meet Our Guest: Leslie Camacho0:57 Welcome to the Show1:43 Kicking Off the Conversation3:50 From Consultant to Coach: Leslie's Path to Helping Teams Thrive10:11 What is EOS and How Does It Work?14:55 How EOS Journeys Differ from Business to Business17:22 Experience, Expertise, & Shifting Mindsets23:38 Tackling Organizational Roadblocks37:44 Getting Clear on Your Business Vision46:44 The Role of Transparency in Growing a Business52:31 Final Takeaways & Advice for Business Owners✨ Download our FREE Financial Planning Template for Amazon Sellers: https://bit.ly/free-amazon-financial-...✨ Connect with our guest: ✨ Connect with us on social media:Yoni on LinkedIn -   / yonkoz  LinkedIn -   / successful-scales  Instagram -   / successfulscales  ✨ More about us:MultiplyMii Staffing - https://multiplymii.comEscala Consulting - https://weareescala.comSuccessful Scales Podcast - https://successfulscales.com✨ Full video episodes are always uploaded on YouTube:Subscribe here: https://lnkd.in/gAuEXjS✨ We're on all major podcast platforms: Apple Podcasts - https://bit.ly/successful-scales-appleSpotify - https://bit.ly/successful-scales-spotifyGoogle Podcasts - https://bit.ly/successful-scales-googleAnchor - https://bit.ly/successful-scales-anchorStitcher - https://bit.ly/successful-scales-stit...

Today brings a Clarkonomics session on something much in the news - the potential for stagflation. Clark explains this economic environment and how you can prepare.  Also, something terrible just got worse: Pay in 4. Why you should just say NO to Buy Now Pay Later. Clarkonomics - Stagflation: Segment 1 Ask Clark: Segment 2 BNPL Spells TROUBLE: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Certificate of Deposit (CD): What Is It, Best Places To Open One 18 of the Best High-Yield Online Savings Accounts in April 2025 Are Money Market Funds a Safe Place To Stash My Savings? Why Big Banks Are a Bad Place for Your Cash Social Security Fairness Act: Windfall Elimination Provision File a Consumer Complaint  /  Air Travel Service Complaint | secure.dot.gov Axios: BNPL is everywhere  / Why 'Buy Now, Pay Later' Worries Clark Howard How To Improve Your Credit Score in 5 Key Areas What Is a Secured Credit Card and How Does It Work? Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationWelcome to our latest episode!Today, we're joined by Brett Swarts, Founder of Capital Gains Tax Solutions, best-selling author, and SUCCESS® Certified Coach. With a remarkable track record in facilitating over $500 million in Deferred Sales Trust (DST) transactions, Brett has made it his mission to help high-net-worth individuals and their advisors defer taxes and build lasting wealth through strategic planning.In this high-impact conversation, Brett breaks down the Deferred Sales Trust (DST) structure and how it empowers entrepreneurs, real estate investors, and business owners to defer taxes, reinvest, and grow their wealth tax-efficiently. He shares real-world examples, such as dentists and car wash owners who used the DST to unlock passive income, diversify their investments, and regain control of their financial future. Brett also dives into critical differences between the DST and the Delaware Statutory Trust, how to avoid wealth-destroying mistakes, and the powerful strategy of "partnering with the trust" to create new depreciation schedules and boost returns.If you're looking to preserve your hard-earned capital, create true passive income, and use tax strategies to build long-term wealth, this episode is a must-listen. Tune in now to discover how you can take control of your exit strategy and unlock greater freedom and impact through advanced tax planning!TIMESTAMPS01:17 – Guest Intro: Brett Swarts06:41 – What Is a Deferred Sales Trust (DST) and How Does It Work?08:26 – DST vs. Delaware Statutory Trust: Understanding the Difference09:58 – How DST Unlocks Passive Income and Financial Freedom11:13 – Flexible Investment Options and Entrepreneurial Control with DST13:09 – Using DST to Be Your Own Managing Member and Fund New Ventures14:50 – Making the DST an Investment, Not an Expense: Fees Explained16:48 – Deferring Both Capital Gains and Income Tax Through DST17:36 – Creating New Depreciation Schedules with the DST Structure19:55 – How DST Strategies Help Avoid Estate (Death) Tax24:54 – Real Client Story: Selling a Business, Diversifying, and Thriving with DST28:59 – How to Connect with Brett and Explore DST FurtherConnect with the Guest:Website: https://capitalgainstaxsolutions.com/LinkedIn: https://www.linkedin.com/in/brett-swarts/Instagram: https://www.instagram.com/brett_swarts/Youtube: https://www.youtube.com/@CapitalGainsTaxSolutions#TaxStrategies #DeferredSalesTrust #WealthBuilding #PassiveIncome #CapitalGainsTax

Military-grade spyware, once the province of shadowy intelligence outfits, is now being handed over to local police forces. As an Ontario resident, I find this deeply unsettling. These tools are powerful, precise, and built for a level of strategic nuance that most municipal sometimes even provincial police simply aren't equipped to handle. It's like handing a ten-year-old a scalpel and asking them to perform surgery. The intentions might be sincere, but the training, context, and oversight just aren't there. And that gap between tool and user is where things start to slip where privacy erodes, rights get sidelined, and the line between public safety and state overreach gets dangerously blurry. What Is Spyware and How Does It Work? At its core, spyware is software designed to secretly infiltrate and monitor digital devices usually without the knowledge or consent of the person being targeted. Once installed, it can track online activity, harvest sensitive information, and even take control of device functions like cameras and microphones. Military-grade spyware, like NSO Group's Pegasus or Paragon's Graphite, takes this to another level. These advanced tools can penetrate even the most secure devices, including phones protected by encrypted messaging apps like WhatsApp, iMessage, and Signal. Some spyware even uses "zero-click" exploits meaning the target doesn't need to click a suspicious link for their device to be compromised. This isn't just like wiretapping a phone call. Spyware can reveal a person's entire digital life recording private conversations, tracking real-time locations, logging browsing histories, and accessing stored files. For police, it's revolutionary. But for the rest of us? It's a chilling reminder that nothing is truly private anymore. Why Are Local Police Using Spyware? So, why are local police turning to such extreme surveillance measures? The short answer: encryption. As more people use encrypted communication platforms, traditional surveillance methods like wiretapping are becoming less effective. Criminal organizations, human traffickers, and other bad actors know how to hide their tracks using secure apps, creating a major challenge for law enforcement. Spyware gives police a way around these barriers by directly accessing the suspect's device and collecting evidence that would otherwise be out of reach. And there's public pressure, too. With high-profile crimes making headlines, law enforcement is under intense pressure to deliver fast results. Spyware, with its ability to gather and analyze large amounts of information in real time, can speed up investigations and improve the odds of making an arrest. In Canada, local police forces are increasingly adopting advanced surveillance technologies to stay ahead of tech-savvy criminals. But as these tools become more common, there's a growing concern: Who's watching the watchers? Ontario Police and "Graphite" Spyware Controversy A recent example that's sparked public debate is Ontario police's use of Graphite spyware. This highly advanced tool can bypass encrypted communications and operate without leaving a trace, meaning police can monitor individuals without them ever knowing. Police officials claim they only use Graphite in the most serious cases. But here's the catch there's little public information about how often it's used or what safeguards are in place. Without transparency, it's impossible to know whether police are sticking to serious crimes or deploying these powerful tools for more routine investigations. Civil liberties advocates are especially worried that spyware could be turned against people who challenge authority - journalists, political activists, or marginalized communities. And it's not just happening in Ontario. Across the globe, police forces are quietly adopting military-grade spyware, often without public input or clear legal oversight. RCMP's Use of Spyware It's not just local police getting in on the action. In 2022, the...

Live from Bitcoin Beach in El Zonte, El Salvador, I sat down with Wiz, the co-founder of Mempool, one of the most important tools in the Bitcoin space. We covered a ton of ground in this one, from how he got into tech as a kid to what the Bitcoin mempool actually is and why it matters.Wiz breaks down how Mempool space helps people understand Bitcoin transaction fees, track confirmations, and now even accelerate stuck transactions through their new feature, Mempool Accelerator. Super useful stuff, especially if you've ever been confused about fees or had a transaction get stuck.We also dive into why he's seriously considering moving his company from Japan to El Salvador. It's about being part of a real movement, joining a growing Bitcoin community, and contributing to the transformation that's happening here on the ground.Whether you're deep into Bitcoin tech or just curious about what's going on in El Salvador, this episode has something for you.- MikeSupport and follow Bitcoin Beach:https://twitter.com/Bitcoinbeachhttps://www.instagram.com/bitcoinbeach_sv/https://www.tiktok.com/@livefrombitcoinbeachWeb: https://www.bitcoinbeach.com/Connect with Mempool:Website: https://mempool.space/X: https://x.com/mempoolGithub: https://github.com/mempoolPrimal: https://primal.net/mempoolYT: https://www.youtube.com/@mempoolBitcoinTV.com: https://bitcointv.com/c/mempool/videosX: https://x.com/wizBrowse through this quick guide to learn more about the episode:00:00 – Introduction02:24 – What Is Mempool Space and Why Is It So Important to Bitcoin?07:15 – What Is the Bitcoin Mempool and How Does It Work?09:02 – How Do Bitcoin Miners Choose Which Transactions to Confirm?14:46 – How Can You Avoid Overpaying Bitcoin Fees?18:22 – What Is Mempool Accelerator and How Does It Work?26:15 – How Mempool Space Ended Up Powering Cash App and Bitkey28:05 – How El Salvador's Bitcoin Treasury Is Publicly Tracked32:26 – Why El Salvador's Bitcoin Adoption Matters Globally36:05 – Why Bitcoin Companies Are Relocating to El Salvador39:03 – Is El Salvador Becoming the Silicon Valley of Bitcoin?47:02 – Is Mempool Space Building a Bitcoin Wallet Next?Live From Bitcoin Beach

Today Clark goes back to basics on homeowner's insurance as rates continue to rise around the country, including 2 common mistakes to avoid, and specific advice for those thinking of moving. Also in this episode - eyes wide open on meme coins and crypto. There are lots of people pitching these as “alternative investments” to the stock market. Get Clark's take on how to approach the hype.  Homeowner's Insurance: Segment 1 Ask Clark: Segment 2 Clark On Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Housing market map: How much home insurance is expected to rise by 2055 Best and Worst Homeowners Insurance Companies How Much Homeowners Insurance Do I Need? 5 Reasons Why Your Home Insurance Will Cancel You as a Customer Credit Karma Review: Free Credit Score and More at Your Fingertips Warning: How You Should NOT Buy Gold Limited Purpose Flexible Spending Account (LP-FSA) Guide What Is an HSA Account and How Does It Work? Legit Online Surveys for Money: What I Earned Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One topic that never goes away are the scams criminals constantly come up with to part you from your money. Clark shares a list of the top scams to look out for today - and a new way for Android users to protect themselves.  Another chronic problem - gift cards. Clark provides yet another reason gift cards are fool's gold. Top SCAMS: Segment 1 Ask Clark: Segment 2 The Gift Card Hatin' Club: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Top scams of 2024 Google takes the battle to scammers with a groundbreaking feature for Android & Pixel phones What Is a Solo 401(k) and How Does It Work? How Should I Handle Car Insurance for My Teenage Driver? What Is Umbrella Insurance and Do You Need It? Walmart+ Membership Program: 4 Things To Know National Academy of Elder Law Attorneys Home NAELA Why It's More Important Than Ever To Have an Emergency Fund The Best Time and Place To Buy a TV The best deals on TVs available now Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

KEY MILESTONES AND WHAT'S NEXTSuccessful Phase 1 Trial: Lucid-MS has shown excellent safety with no serious side effects, paving the way for a groundbreaking treatment for MS.Next Major Step: The Phase 2 trial is set for early 2026, with 60 participants.FDA Submission on the Horizon: Plans to submit application to the FDA by late 2025, taking a huge step toward regulatory approval.Massive Market Opportunity: With 2.9 million people worldwide affected by Multiple Sclerosis and the market projected to surpass $30 billion by 2030, Lucid-MS could potentially capture a significant share of this rapidly expanding space.A NEW ERA IN MULTIPLE SCLEROSIS TREATMENTQuantum BioPharma (NASDAQ: QNTM) (CSE: QNTM) Lucid-MS is setting the stage to revolutionize MS treatment. Unlike existing therapies that only target immune system responses, Lucid-MS focuses on protecting and repairing myelin, the critical layer around nerve fibers. This novel approach has the potential to slow or even reverse disease progression—offering new hope for millions of MS sufferers.Think of nerves like electrical wires in your body, and myelin as the protective coating around those wires. With Multiple Sclerosis, the immune system attacks this coating (called demyelination), causing damage that leads to muscle weakness, vision problems, and difficulty moving.Most MS treatments try to calm the immune system to slow down the attack. Lucid-MS is different. Instead of focusing on the immune system, it works directly on the myelin to stabilize and protect it from damage.HOW DOES IT WORK? A TOTALLY NEW APPROACH TO TREATING MSThink of nerves like electrical wires in your body, and myelin as the protective coating around those wires. With Multiple Sclerosis, the immune system attacks this coating (called demyelination), causing damage that leads to muscle weakness, vision problems, and difficulty moving.Most MS treatments try to calm the immune system to slow down the attack. Lucid-MS is different. Instead of focusing on the immune system, it works directly on the myelin to stabilize and protect it from damage.WHY IS THIS IMPORTANT?By keeping myelin intact, Lucid-MS may help slow down the progression of MS and prevent disability—something current MS drugs don't do very well.SCIENTIFIC BREAKTHROUGH BACKED BY INDUSTRY RECOGNITIONLucid-MS is backed by cutting-edge research from Dr. Lakshmi Khotra's lab at the University of Toronto, where the critical process of myelin breakdown in MS patients was discovered. The drug's ability to address this underlying issue is a potential game-changer in neurodegenerative treatments.It's already gaining enthusiastic support from leading medical experts and researchers, underscoring its transformative potential.A VISION FOR THE FUTUREDr. Andrzej Chruscinski, Vice President of Scientific and Clinical Affairs at Quantum BioPharma, expressed the company's excitement about Lucid-MS's future.“We are on the cusp of something monumental. Lucid-MS has the potential to transform MS treatment and open doors for treating other nerve-related diseases. As we move toward Phase 2 and beyond, we're excited to bring this innovative therapy to the patients who need it most.”With promising clinical results, a massive market opportunity, and rising industry recognition, Quantum BioPharma is leading the charge in next-generation treatments for Multiple Sclerosis 

Today, Clark attempts to talk about a topic that always elicits spirited responses - social security. There are questions about the future of the program, and Clark gives you his take. Also, the story of a life well lived which can serve to inspire us all. Social Security: Segment 1 Ask Clark: Segment 2 All Cash - No Flash: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? Will Social Security Run Out?   /   Social Security - Clark.com Best Credit Cards for Students: Top Picks for 2025 Home — TreasuryDirect What's the Best Savings Account for a Teenager? How To Open a Roth IRA Investment Growth Calculator - Clark Howard Bob Kierlin, Frugal CEO Who Wore Secondhand Suits, Dies at 85 - WSJ Countries Offering Digital Nomad Visas What Is an HSA Account and How Does It Work? Why You Should Never Use a Debit Card To Pay for Anything Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark focuses on one of the biggest purchases most of us make in life - cars. There are ways to get a vehicle for way less money than most people pay. Also, a look at the pros & cons of so called smart electric meters and time of use plans offered by utility companies - and how to decide which is best for you.  Best Low Cost Vehicles: Segment 1 Ask Clark: Segment 2 Smart Meters: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best new cars in 2025: Consumer Reports reveals top picks for reliability, safety and more Costco Car Buying Program: 4 Things To Know Before You Sign Up How To Buy a Used Car / How to Buy a New Car in 5 Steps Elliott Report: Home What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps What Is Disability Insurance and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special episode, we dive into the world of geofencing technology and how it can transform small business marketing. Joining me are Barbara Wardell and Ernesto Cullari, co-founders of Cullari & Wardell, a geofencing ad agency. They break down what geofencing is, how it works, and why it's an affordable and effective marketing strategy for small businesses—especially those with limited budgets. We discuss: How geofencing targets the right audience with precision Why it's more cost-effective than traditional marketing How home-based businesses and service providers can benefit The importance of niche marketing and continuous education A new Amazon advertising opportunity for service-based businesses If you're a small business owner looking for innovative ways to attract more clients, increase engagement, and maximize your marketing dollars, this episode is for you! Timestamps: (00:00) Introduction: What to Expect in This Special Episode (01:00) Meet Barbara Wardell & Ernesto Cullari: Geofencing Experts (02:30) What is Geofencing and How Does It Work? (05:00) The Cost-Effective Power of Geofencing vs. Traditional Marketing (08:30) How Geofencing Protects Privacy While Still Being Effective (12:00) How Small Businesses Can Find and Target Their Ideal Clients (16:30) Smart Marketing Strategies for Service-Based Businesses (22:00) How to Use Geofencing Data to Track and Improve Marketing Efforts (29:00) The Importance of Niche Marketing & Continuous Self-Education (35:00) Exclusive: New Amazon Advertising Opportunity for Small Businesses (40:00) Where to Learn More & Final Takeaways Resources & Links Mentioned: Cullari & Wardell Geofencing Agency: Visit www.cullarimedia.com to schedule a consultation. Follow Ernesto on Instagram: @ernestocullari EmpowerHer Self-Paced Program: empowerherap.com  Special Announcements & Links Free 30-Hour EmpowerHer Discovery Session: https://channerconsultingllc.hbportal.co/schedule/660da85649ef86002d1790d3 Subscribe for regular content on developing a solid marketing plan, marketing strategy, and marketing tips. Connect with us: LinkedIn: https://www.linkedin.com/company/channer-consulting-llc Facebook: https://www.facebook.com/channerconsulting/ Instagram: https://www.instagram.com/channerconsulting/ Get in touch: info@channer-consulting.com If you found this episode valuable, please leave a review, share with a friend, and let us know your biggest takeaway! Until next time, keep building your dream business, one step at a time.

This week, we are delighted to be joined by the wonderful Maddie Moate. Maddie is a children's TV presenter, YouTuber, Author and West End star who has just released her latest book "How Does It Work?" which inspires curious children to understand how the world around them works. In our chat with Maddie, we discuss the importance of science, why fostering curiosity in children is vital, the desire to have more role models in STEM for young children (especially girls) & what her book does to try and do all of the above. Check out Maddie's new book "How Does It Work?" now: https://www.maddiemoate.com/howdoesitwork

Make Your Bible Study an Adventure! Unlock a Fresh, Spirit-Led Approach Ever feel like your Bible study routine has gone a little... stale? Maybe you're stuck in a rigid reading plan, checking boxes but not really connecting. Well, get ready for a game-changer! In this episode, Catherine Segars shares her go-to Bible study method—a dynamic, off-road adventure that breathes life into your quiet time. This isn’t about following a strict schedule; it’s about letting the Holy Spirit guide you on a personalized journey through Scripture. How Does It Work? Instead of just reading through the Bible in a year (and feeling guilty when you fall behind), Catherine encourages a more flexible, interactive approach. She gives us a real-life example with the book of Ruth, uncovering deep insights that only come when you step off the beaten path and explore scripture with fresh eyes. Key Takeaways from This Episode:

One of the most popular pages on Clark.com is our Best High Yield Online Savings Accounts article, because we all want to get the most interest on our cash. Capital One was recently accused of cheating customers out of interest rate payments - so how do you ensure you are getting best rates? Also - several high profile celebrities have revealed that they have run out of retirement savings. It just goes to show that it's not how much you make, but how much you save. Avoid the MPC (Marginal Propensity to Consume) trap that has drained dry even the wealthiest of earners.  Make More On Savings: Segment 1 Ask Clark: Segment 2 Retirement: Running On Empty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Capital One Accused of ‘Cheating' Customers Out of $2 Billion Best High-Yield Online Savings Accounts - Clark.com  High-Yield Savings Account (HYSA) Calculator How To Open a Roth IRA Best 529 College Savings Plans By State What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Advertisers: policygenius.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Helping Families Be Happy podcast, produced by Familius Publishing, host Adina Oberman speaks with Sarah Winkler, an experienced preschool teacher and mom of three. Sarah shares her expertise in play-based learning, emergent curriculum, and hands-on activities that inspire creativity, confidence, and curiosity in young children. Sarah explains how parents and educators can use simple, everyday moments to create meaningful learning experiences. She highlights the social, emotional, and cognitive benefits of play and offers practical tips for setting up engaging activities at home and in the classroom. This episode is packed with actionable advice for parents, caregivers, and teachers looking to nurture early childhood development and build stronger family connections through play. Episode Highlights [02:10] What Is a Lab School and How Does It Work? Sarah describes her unique teaching environment, which emphasizes hands-on, play-based education and training for future educators. [06:30] Why Play Is Essential for Early Childhood Development: Discover how play builds cognitive, social, emotional, and physical skills—and why it's a child's most important job. [10:45] Meaningful Play Activities for Home and Classroom: Sarah shares tips for creating simple, interactive activities like sensory bins, water play, and nature walks that promote learning and exploration. [15:20] Building Social and Emotional Skills Through Play: Learn how play encourages problem-solving, teamwork, and emotional regulation while laying the foundation for future academic success. [20:10] Encouraging Curiosity Through Scientific Inquiry: Sarah explains how activities like shadow exploration and melting ice experiments spark curiosity and teach basic STEM concepts. [24:30] Empowering Kids Through Emergent Curriculum: Sarah discusses how building lessons around children's interests fosters confidence, creativity, and a love for learning. Key Takeaways Play Is Learning: Play isn't just fun—it's how kids develop critical thinking, social skills, and emotional intelligence. Simple Activities Create Big Impact: Everyday objects like water, sand, and blocks can be transformed into meaningful learning tools. Follow Children's Interests: Let kids' curiosity guide activities to deepen engagement and foster a love for learning. Encourage Conversation During Play: Ask open-ended questions to build vocabulary, math skills, and problem-solving abilities. Support Emotional Growth: Teach kids self-regulation, empathy, and cooperation through hands-on play and social interactions.

Ep 63: In this episode, we dive deep into the world of intermittent fasting to uncover whether it's just another passing trend or a scientifically backed health practice. We'll explore the potential benefits, from weight loss and improved energy to enhanced longevity, as well as the drawbacks, like hunger, sustainability, and its impact on women.   Join us as we break down the science, address common myths, and help you decide if intermittent fasting is the right approach for your health and lifestyle. Whether you're curious about trying it or skeptical of the hype, this episode has something for everyone! Time Stamps: (0:00) Introduction (2:04) Do All “Good” People Go To Heaven (19:59) Coryn's Current Morning Routine (24:45) Crysanne's New Favorite Way To Get Volumizing Hair (27:57) Experience With Buying A Cow For Beef (32:08) Should Everyone Intermittent Fast? (34:12) What Is Intermittent Fasting & How Does It Work? (35:52) Benefits Of Intermittent Fasting (40:52) Crysanne's Experience With IF and Perimenopause (44:51) Coryn's Experience With Intermittent Fasting (48:58) IF and the effects it has on the women's cycle (51:39) The Issue With The Science Behind IF (52:35) Women In Menopause (58:50) Phasing IF with your cycle Submit your questions ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Grey Space Podcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grey Space Podcast Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Grey Space Podcast ⁠⁠⁠⁠⁠Tiktok⁠⁠⁠⁠⁠ Follow Coryn on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Crysanne on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *Disclaimer* Grey Space Podcast offers health, fitness, and nutritional information for educational purposes. You should not rely on this information as a substitute for, nor does it replace, professional medical advice, diagnosis, or treatment. You should always consult a physician if you have any concerns or questions about your health. Do not disregard, avoid or delay obtaining medical or health related advice from your healthcare professional because of something you may have read or heard. The use of any information provided in the podcast is solely at your own risk.

An appraisal waiver with Fannie Mae (FNMA) is part of their Desktop Underwriter® (DU®) system. It allows eligible borrowers to bypass the need for a traditional home appraisal as part of the mortgage approval process. This can save time, money, and simplify the loan process. Here's a breakdown:What Is an Appraisal Waiver?Definition: It's an offer to waive the traditional appraisal requirement for certain loans, relying instead on data and models from Fannie Mae's property valuation tools.Purpose: Streamlines the loan process, reducing delays and costs associated with appraisals.How Does It Work?Fannie Mae's DU evaluates the loan application and determines if the property is eligible for an appraisal waiver.The system uses proprietary data, including property valuation databases, prior appraisals, and market analysis, to assess the property's value.If deemed eligible, the lender may accept the waiver instead of ordering a new appraisal.Eligibility CriteriaTo qualify for an appraisal waiver:Loan Purpose: Often available for refinances (limited cash-out or cash-out) and some purchase transactions.Loan-to-Value (LTV) Ratios: Must meet specific LTV thresholds, which vary based on the loan type.Loan Type: Applicable to certain single-family homes, condos, and PUDs (Planned Unit Developments). Not typically available for multi-unit properties or manufactured homes.Borrower/Property Profile: FNMA's database must have sufficient prior data to validate the property value.Other Requirements: Loan must conform to FNMA standards (i.e., not jumbo or non-conforming).BenefitsSaves the borrower hundreds of dollars in appraisal fees.Reduces loan processing times, speeding up the closing process.Simplifies the underwriting process by eliminating the need for third-party appraisals.Key ConsiderationsWaiver Isn't Guaranteed: Even if DU suggests eligibility, lenders may still require an appraisal at their discretion.Market Risks: Without an appraisal, there's a risk that the property value could be incorrect, impacting the lender.Not for All Properties: Properties with unique characteristics or limited valuation data may not qualify.Would you like help determining if a specific loan scenario might qualify for an appraisal waiver? Or need assistance with FNMA guidelines?tune in and learn at https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

Today - Consumer spending has steadily become a larger part of the economy over the years. Tech and the ability to shop online has made the problem of shopping addiction substantially worse. Clark shares some simple steps you can take to avoid overspending online. Speaking of the internet - Clark has changed the way he goes online when away from home. You'll want to hear his recommendations to protect your privacy and your money. Shopping Triggers: Segment 1 Ask Clark: Segment 2 Public Wi-Fi Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Biggest Money Mistakes To Avoid in 2025 Why Clark Says It's Time To Dump I Bonds Why You Might Be Paying Your Credit Card Bills All Wrong Best Phone Plans: Get Exactly What You Want at the Cheapest Price Best Unlimited Data Plans in 2024: Starting at $25 for One Line The Best Unlimited Hotspot Plans The Best International Phone Plans Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) What Is a 403(b) and How Does It Work? How To Find and Choose a Financial Advisor How Much Does a Financial Advisor Cost? What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Looking to help your pets overcome health issues naturally? For the first time on Vitality Radio, Jared is covering your furry companions! Marie Camille returns to the show to talk about the MediNatura line of homeopathic solutions for common pet health issues. Jared and Marie cover the products that address pain, arthritis, allergies, anxiety, and digestive issues for your housepets and farm animals. You'll learn why each of these formulas are effective for an array of issues and have incredible safety profiles. Homeopathy is an affordable, natural way to keep your beloved pets feeling their best.Products:MediNatura Pet LineAdditional Information:#474: Homeopathic Formulas for Cold and Flu Symptom Relief with Marie Camille#429: Homeopathic Formulas for Pain, Cold and Flu, and Seasonal Allergies with Marie Camille#393: What Is Homeopathy and How Does It Work? With Guillaume LoisVisit the podcast website here: VitalityRadio.comYou can follow @vitalitynutritionbountiful on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - what a lawsuit against Ameriprise can teach us all about saving and investing. Clark Stinks: Segments 1 & 2 Savings Rate Rip Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Travel Insurance Checklist: 5 Types of Coverage To Consider 4 Things To Know Before You Buy a Digital TV Antenna T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Best Credit Cards for Students: Top Picks for 2024 Barrons: Ameriprise Asks Judge to Toss Clients' Cash-Sweep Lawsuit 17 of the Best High-Yield Online Savings Accounts in January 2025 High-Yield Savings Account (HYSA) Calculator MyCredit Guide - American Express Submit a complaint | Consumer Financial Protection Bureau What Is a 403(b) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

January is not only a bargain month to travel, but also brings deals for spring and summer travel. But when shopping travel options, things aren't always as they appear.  Clark tells you what to look out for when booking flights, cruises, hotels and car rentals  Also - do you know what an Amazon “brushing” scam is? Clark explains this “gift that you don't want.” Summer Travel: Segment 1 Ask Clark: Segment 2 Amazon Brushing Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Archives - Clark Deals  /  Travel Archives - Clark Howard Auto Europe: Cheap Car Rentals from $6/day! Best Rate Guarantee Rentalcars.com: Cheap Car Rental, Price Match Guarantee Cheapest Way to Rent a Car: Expert Tips When Should You Get an Accountant To Do Your Taxes? What Is a Roth 401(k) and How Does It Work? 5 Best Robo-Advisors in 2024 What Is a Fiduciary Financial Advisor and Do I Need One? Amazon Scam Warning: Beware of Deliveries You Didn't Order Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textLifestyle Education | Back to Basics: What Is Swinging and How Does It Work? | Episode 177In this episode of The Swing Nation Podcast, the top-rated podcast about non-monogamy and swinging, Dan and Lacy take it back to the basics! Whether you're brand new to the lifestyle or just curious, this episode is your ultimate beginner's guide to swinging.Dan and Lacy break down what swinging really is, explain essential key terms, and explore the different types of swinging—from soft swap to full swap and everything in between. They also dive into how swinging works, offering insight into navigating connections, boundaries, and expectations in the lifestyle.Tune in for a fun, informative, and candid conversation that's perfect for anyone looking to learn more about the world of swinging. Don't miss this back-to-basics episode!- The Swing Nation -Main Website Quick Navigation Website: -- (Find all our social media links & more!)- Swinger Society - Our Website to meet, connect & events Swinger Society Discord Our Facebook Group- Swinger Websites -Kasadie 90 day free trialUsername: TheSwingNation SDC 14 day free trial Username: TheSwingNation** Use code 36313 for 14 days free! ** SLSUsername: NorthernGuynSouthernGirl- Merch & More -Order Your Merch Here!- Lacy's Fun Links -VIP OnlyFansPREMIUM OnlyFans-- THANK YOU TO OUR SPONSORS --Wisp : Making sexual healthcare inclusive, cost-effective, and accessible—for everyoneUse Code SWING at checkout for 15% off your oder!Shameless Care: ED Medication and at home STD testingUse Code TSN at checkout for $30 off your order!Promescent® Make Love Longer, It's Time for Great SexUse Code SwingNation for 5% off!Sing it Bikinis:  adjustable one-size styles, thoughtfully crafted to flatter every body type.Support the show- Thank you for the support! -

Subscribe to DTC Newsletter - https://dtcnews.link/signup In this episode of the DTC Podcast, we dive into Applovin, the emerging mobile ad network reshaping how DTC brands scale. Join Taylor Cain and Aves from Pilothouse Marketing as they share their hands-on experience with Applovin, exploring its algorithm-driven audience targeting and creative-first approach. Key Takeaways: What is Applovin? Learn how this platform enables 9x16 video ads in mobile apps and why it's creating buzz in the e-commerce space. Creative Strategy Tips: Discover why humor, entertainment, and long-format storytelling are crucial for success on this platform. Incrementality Challenges: Understand how to measure new customer acquisition effectively with tools like post-purchase surveys and MTA analysis. Who Can Advertise? A $20k/day spend on Meta is required to qualify—making it ideal for scaling brands. Don't miss this practical breakdown of how to leverage Applovin to tap into new audiences and boost growth. Timestamps 0:00 Introduction to Applovin and Event Announcement 2:10 What is Applovin and How Does It Work? 4:20 Performance Insights: Comparing Applovin to Meta Ads 6:30 Creative Strategies for Applovin Ads 9:00 Incrementality and Measuring Success on Applovin 11:30 Challenges and Limitations of Applovin for DTC Brands 14:20 Future of Applovin and Final Thoughts Hashtags #Applovin #DTCAdvertising #EcommerceMarketing #MobileAdNetwork #DigitalMarketing #CreativeStrategies #PerformanceMarketing #MetaAds #MobileAdvertising #DTCInsights Subscribe to DTC Newsletter - https://dtcnews.link/signup Advertise on DTC - https://dtcnews.link/advertise Work with Pilothouse - https://dtcnews.link/pilothouse Follow us on Instagram & Twitter - @dtcnewsletter Watch this interview on YouTube - https://dtcnews.link/video

The murder of United Healthcare CEO Brian Thompson has created a lot of argument and discussion about healthcare and health insurance. Clark addresses the problems and challenges we face with the U.S. healthcare system including lack of choice, hidden pricing, and consumers being squeezed on cost and denied care. Also - Clark discusses new statistics on how long it is taking many workers to find a new job, and how you should prepare. American Healthcare: Segment 1 Ask Clark: Segment 2 Employment Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: After a shocking shooting, Americans vent feelings about health insurance National Academy of Elder Law Attorneys Home NAELA How Much Money Do I Need in My Emergency Fund? How Much Do You Need To Save a Month To Get $10,000? 17 of the Best High-Yield Online Savings Accounts in December 2024 Is Robinhood Gold Worth It? How To Open a Roth IRA What Is a SIMPLE IRA and How Does It Work? What Is a SEP IRA and Who Is Eligible? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One.Demarc by TELIN: Seamlessly Survive Your ISP Outages, One.Demarc by TELIN: Seamlessly Survive Your ISP Outages @Telin Blog What is One.Demarc? TELIN's One.Demarc solution integrates cutting-edge SD-WAN technology with Peplink SpeedFusion and eSIM capabilities to create a secure and reliable voice network. Designed to ensure seamless communication, One.Demarc enhances voice service quality by connecting your local network directly to TELIN's data centers via a robust VMPLS connection. How Does It Work? Edge Device Integration TELIN provides an edge device that integrates seamlessly with your existing network. Secure Routing Phone traffic is routed securely through the device using SpeedFusion VPN, ensuring consistent and direct transmission to TELIN's data centers. Automatic Failover An embedded eSIM enables automatic failover to a cellular network during ISP outages, ensuring uninterrupted calls. Who Benefits from One.Demarc? Partners: Elevate your offerings with a reliable solution that adds value for your clients. End Users: Experience consistent, high-quality communication that's built to handle any challenge. Key Features Zero Disruption: Automatic failover ensures seamless communication during outages. Enhanced Connectivity: Combine ISP and cellular networks for faster, more reliable connections. WAN Smoothing: Eliminate latency and packet loss for superior call quality. SpeedFusion Technology: Enterprise-grade SD-WAN guarantees network reliability. Direct Connectivity: Private, secure links to the PSTN bypass carrier issues for unmatched reliability. Who is TELIN? TELIN is a unique telecom company with a distinct distribution model, acting as your single source for unified communications. As a preferred provider of 3CX licensing, SIP trunks, hosting, and VoIP solutions, TELIN empowers partners to consolidate all telecom infrastructure components needed to deliver exceptional service. With decades of expertise in security, redundancy, and compliance, TELIN offers unmatched white-glove service at a wholesale level. Why Partner with TELIN? One provider for all your cloud and voice services One service level agreement for simplified management One expert support team with over a century of combined experience Freedom to control your margins Next-gen cloud infrastructure delivering enterprise-grade performance and cost savings White-label billing with tier-2 and tier-3 support An unrivaled partner success program designed for growth Discover how TELIN's One.Demarc can transform your communication infrastructure and deliver unmatched reliability. Partner with TELIN today to unlock the future of unified communications. Got questions or need more info? Reach out to our team today! Let's connect your business to the future. Partner with us: Telin Partner Success Program | Telin | Unified Communications Email: sales@telin.com Call us: +1 855-550-0514 Visit: www.telin.one Telin One.Demarc solves customer challenges, offers brand damage rescue, Podcast  

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time.  Clark Stinks: Segments 1 & 2 401(k) Super Catch-Up Provision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why I Think Medicare Advantage Plans Stink - Clark Howard The American College of Trust and Estate Counsel: ACTEC What To Do if Your Flight Is Delayed or Canceled Older Workers Can Now Supersize Their 401(k) Savings - WSJ 401(k) Calculator (Clark.com) Roth vs. Traditional 401(k): What's the Difference? What Is a Solo 401(k) and How Does It Work? 5 Sneaky Ways To Improve Your Credit Score Journal of the American Medical Association The New England Journal of Medicine | Research & Review The Lancet | The best science for better lives Mayo Clinic: Top-ranked Hospital in the Nation / Cleveland Clinic Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people mistakenly use the terms procurement and purchasing as if they mean the same thing. While they are closely related and often overlap in practice, they represent two distinct concepts in the business world. Understanding the difference is critical. Link to What Is a Purchase Order and How Does It Work? What You Need to Know https://youtu.be/rnZD3qJOzoA Subscribe for more tips and insights like this: https://www.youtube.com/APNow?sub_confirmation=1 Looking for more of the most current business intelligence about + Best practices around your payment and accounts payable function + Current and new fraud protection protocols + The newest technology impacting your accounting, accounts payable, and payment functions + Career advancement +And much more!! +++++++++++++++++++++++ See most recent videos at: https://www.youtube.com/@APNow/videos See all short tips at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-He5ELp9TP3wqQdHIbfIcFAB Learn more about AP Best Practices; Playlist at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-HcvMSJTdNs0BCQJ0Ivb4l9V Learn more about Internal Controls in AP; Playlist https://www.youtube.com/playlist?list=PLtL6rWSXZ-HdV9JIterJ-bf6TwMset_z_ Looking for Automation insights: Playlist at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-Hf_cZwQOcDZrYV4dA0oDVby

Send us a textThis week on the Investing RN Podcast, we're excited to feature George McCleary, a seasoned real estate investor, developer, and entrepreneur who's turning heads with his viral content and unfiltered insights into property management challenges. From tackling squatting and deed fraud to navigating viral fame, George shares his journey of resilience and innovation in the world of real estate.George's fascinating story began with his first duplex in 2004, financed with no money down and house hacked with pizza and beer. Since then, he's scaled his portfolio, explored unique niches in real estate, and gained attention for his satirical yet educational viral videos. This episode uncovers the hidden struggles of property ownership and actionable strategies to safeguard your investments.If you're a nurse exploring real estate investing, a homeowner curious about tenant laws, or just someone who loves a good success story, this episode is packed with insights, humor, and valuable advice.

Live from Bitcoin Beach in El Zonte, El Salvador, I'm joined by Hermann Buhr-Vivier, the inspiring founder of Bitcoin Ekasi in South Africa. Hermann shares the incredible story of how he's using Bitcoin to transform a South African township, starting with a surf program that's been running for over a decade. We talk about how Bitcoin integrates into their circular economy, the struggles and triumphs of building grassroots adoption, and how paying coaches and local merchants in Bitcoin is creating generational wealth.We dive into their latest projects, like building a permanent education center, the buzz around the Bitcoin Bowl skate park, and even how they've been painting murals on shacks to spread Bitcoin awareness. Hermann also gives us an inside look at the bigger picture—supporting Bitcoin adoption projects across Africa and hosting a Bitcoin conference in Cape Town this January.Whether it's onboarding merchants, empowering kids to save, or watching a community transform through proof-of-work, Hermann's story will leave you inspired. Oh, and if you've ever dreamed of a Bitcoin-friendly surf trip to South Africa, Hermann's got you covered too! Don't miss this one.- MikeSupport and follow Bitcoin Beach:https://twitter.com/Bitcoinbeachhttps://www.instagram.com/bitcoinbeach_sv/https://www.tiktok.com/@livefrombitcoinbeachWeb: https://www.bitcoinbeach.com/Follow Bitcoin Ekasi:X: https://x.com/BitcoinEkasiYouTube: https://www.youtube.com/channel/UC0BJ9ZD6JXKzJUtXfhy2pSgWebsite: https://bitcoinekasi.com/Unravel Surf X: https://x.com/UnravelSurfBrowse through this quick guide to learn more about the episode:0:00 - Introduction1:25 - What's New at Bitcoin Ekasi? Latest Updates and Community Impact2:22 - What Are the Plans for Bitcoin Ekasi's New Community Center?4:37 - What Is Bitcoin Ekasi and Why Was It Started?7:06 - How Has Apartheid's Legacy Shaped South African Townships Today?10:34 - How Did Bitcoin Ekasi Integrate Bitcoin into Its Programs?12:26 - What Made Bitcoin a Lifeline for Businesses in South Africa?13:38 - What Challenges Do People Face When Adopting Bitcoin for Payments?15:18 - How Did Bitcoin Ekasi Onboard Coaches and Local Shops?18:09 - How Did Bitcoin Change the Financial Lives of Surf Coaches?20:15 - Can Bitcoin Help Build Generational Wealth for Low-Income Families?23:59 - What's the Shack Painting Program and How Does It Promote Bitcoin?26:33 - What Is a Bitcoin Circular Economy and How Does It Work?27:36 - What Is Bitcoin Ekasi's Vision for Its New Education Center?30:17 - Why Do Bitcoin Communities Need Physical Spaces for Education?32:38 - What Is the Bitcoin Diploma Program and How Does It Work?34:08 - What Is the Bitcoin Bowl and Why Is It a Big Deal in South Africa?39:24 - Why Is Bitcoin Important for South Africa's Economy?43:05 - When Is the 2024 Bitcoin Conference in Cape Town?45:57 - What Are the Most Exciting Bitcoin Projects Across Africa?50:50 - Which African Countries Are Adopting Bitcoin the Fastest?54:50 - How Are Bitcoin Projects in Africa Overcoming Challenges?1:01:12 - Can Bitcoin Help Kids Develop Financial Skills for the Future?1:02:44 - How Can You Support Bitcoin Ekasi and Join a Surf Tour?1:05:03 - What Are Bitcoin-Friendly Surf Tours in South Africa Like?Live From Bitcoin Beach

TOPICS:⁃ WHAT IS BLOOD FLOW RESTRICTION & WHAT'RE THE ORIGINS OF THIS APPROACH?⁃ WHAT IS THE PROPER WAY TO PERFORM BFR & HOW DOES IT WORK?⁃ HOW DOES LOW LOAD BFR TRAINING COMPARE TO HIGH LOAD TRADITIONAL TRAINING WHEN IT COMES TO MUSCLE GROWTH?⁃ THE BENEFITS OF BFR TRAINING⁃ PRACTICAL APPLICATION SECTION: HOW CAN THOSE LOOKING TO MAXIMIZE MUSCLE GROWTH INCORPORATE BFR INTO THEIR TRAINING PROGRAM?⁃ MYTHS RELATED TO BFR WHERE TO CONNECT WITH ME: Follow Brandon on IG: https://www.instagram.com/brandondacruz_/ Email: Bdacruzfitness@gmail.com For Info on Brandon's Coaching, Consultation & Mentorship Services: https://form.jotform.com/bdacruzfitness/coachinginquiry Brandon's Website: https://www.brandondacruzfit.com Nick's IG Account:https://www.instagram.com/thehpm?igsh=cGpiYTIxN2tzZTJq

On this episode of Vitality Radio, Jared gives a long awaited update on his experience with a GLP-1 boosting protocol. You'll hear how it has impacted his weight and sugar cravings over the past three months, as well as the new product he is developing in light of his personal experience! Jared also shares another Homeopathic Minute from his series of quick, easy to digest information on single homeopathic remedies. Today's remedy is Calcarea Sulphurica.Products:Calcarea SulphuricaPrecision Probiotic Vital SporesEstrosenseAndrosenseOllois Homeopathic KitsAdditional Information:#452: Boosting GLP-1 Naturally: Unlocking Weight Loss and Blood Sugar Control without Semaglutide#393: What Is Homeopathy and How Does It Work? With Guillaume LoisVisit the podcast website here: VitalityRadio.comYou can follow @vitalitynutritionbountiful and @vitalityradio on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

Let's discuss the role of homework (or other effort pieces of learning) in an Alternatively Graded course in more depth. In this episode, Sharona and Boz look at a recent research study about the inclusion or exclusion of a "homeworK' grade in the grading architecture of a high school geometry class and the impact it had on student completion of homework as well as their final grades. We distinguish between "product", "progress", and "process" grades and discuss their potential roles in different types of courses.LinksPlease note - any books linked here are likely Amazon Associates links. Clicking on them and purchasing through them helps support the show. Thanks for your support!What Is Standards-Based Grading, and How Does It Work? by Matthew StoneAssessing the impact of standards-based grading policy changes on student performance and practice work completion in secondary mathematics by Huey, Silvey, Vaughan and FisherEpisode 31 -The Role of “Effort” or “Work” in an Alternative Grading Architecture and the Relationship with Due Dates ResourcesThe Center for Grading Reform - seeking to advance education in the United States by supporting effective grading reform at all levels through conferences, educational workshops, professional development, research and scholarship, influencing public policy, and community building.The Grading Conference - an annual, online conference exploring Alternative Grading in Higher Education & K-12.Some great resources to educate yourself about Alternative Grading:The Grading for Growth BlogThe Grading ConferenceThe Intentional Academia BlogRecommended Books on Alternative Grading:Grading for Growth, by Robert Talbert and David Clark

Amino acids are the true building blocks of the human body. This episode of Vitality Radio focuses specifically on Glycine, Citrulline, and Glutamine. Jared unpacks the unique impact of these powerful aminos and why they deserve a closer look. You'll learn about their impressive benefits as individual nutrients - supporting gut health, enhancing muscle recovery, and even promoting restful sleep. Jared also explains how single amino acids work vs. protein as a whole, and additionally, the role of digestive enzymes in breaking down protein to ensure we absorb these vital amino acids. Jared also shares another Homeopathic Minute from his series of quick, easy to digest information on single homeopathic remedies. Today's remedy is Calcarea Carbonica. Products:GlycineCitrullineN.O. Cardio BoostGlutamineAssimil-8 Digestive EnzymesCalcarea CarbonicaOllois Homeopathic KitsAdditional Information:Code: enzymes for $5 off Assimil-8 Digestive Enzymes 120 count#393: What Is Homeopathy and How Does It Work? With Guillaume Lois#477: Why I Do What I Do - Jared's StoryVisit the podcast website here: VitalityRadio.comYou can follow @vitalitynutritionbountiful on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

#126 - Seed Cycling: Does it Actually Work? Should You Try It for Hormonal Harmony? Have you ever felt out of sync with your hormones? If so, this episode is for you! Welcome to the Seed Cycling episode, where we dive into the fascinating (and surprisingly easy) world of seed cycling—a simple yet powerful way to help balance your hormones naturally.  What You'll Learn: What is Seed Cycling? I'll break down this holistic practice and talk with you about how it can make a difference in your hormonal health. How Does It Work? Find out how seed cycling aligns with the different phases of your menstrual cycle. Seeds You Need to Know: We'll talk about the powerhouse seeds—pumpkin, flax, sesame, and sunflower—and the amazing nutrients they offer. Cycle Phases Explained: Learn how to use these seeds during the follicular and luteal phases of your cycle for maximum benefits. If you're perimenopausal or menopausal, learn why seed cycling is for you and how to begin. Easy Seed Cycle Tips: We'll cover easy ways to incorporate seed cycling into your daily meals and snacks. Potential Benefits: From easing PMS and menopause symptoms to boosting fertility, find out how seed cycling can enhance your overall well-being. Join the Conversation: Have you tried seed cycling? I'd love to hear your experiences! Share your thoughts with us on social media using the hashtag #SeedCyclingPodcast. Subscribe & Review: If you enjoyed this episode, please hit that subscribe button and leave us a review! Your support means the world to us and helps us reach more listeners who are looking for natural health solutions. Resources and Links: Funk It Seed Cycling Kit (1 Month Supply) https://funkitwellness.com/products/seed-cycling-kit-monthly The primary purpose of The Pretty Well Podcast being to educate. This content is for informational and educational purposes only. It is not intended to provide medical advice nor to take the place of such advice or treatment from a personal physician. By listening to this content, you agree to consult your own physician or qualified health professional regarding specific health questions. Neither Lisa Smith, The Pretty Well Podcast, nor any guest takes responsibility for possible health consequences of any person or persons following the information in this educational content. All listeners of this content, especially those who are pregnant or taking prescription or over-the-counter medications, should consult their physicians before beginning any nutrition, supplement, or lifestyle program. The Pretty Well Podcast is for private non-commercial use and our guests do not necessarily reflect any agency, organization, or company that they work for. In addition, opinions of interview guests do not necessarily reflect the opinions of Lisa Smith and/or The Pretty Well Podcast. This content is not guaranteed to be correct, complete, or up to date.

Today's mandatory arbitration abuses trace back to a law passed a century ago, repeatedly upheld to deny citizens their right to a day in court. Clark shares yet another case in point. Also in this episode- open enrollment is an opportunity to choose among health care plans which offer one of Clark's favorite tools for long term financial security. Should you opt for an HSA - Health Savings Account?  Mandatory Arbitration: Segment 1 Ask Clark: Segment 2 The Case For HSAs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Long Should I Save Pictures of My Car Rental? Military and Veterans Guide: Free Resources for Your Finances Where Should I Set Up My Health Savings Account (HSA)?- Clark.com What Is an HSA Account and How Does It Work? Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Refunding Fees for Delayed Checked Bags and Ancillary Services File a Consumer Complaint | US Department of Transportation Elliott Report: Home What Luggage Does Clark Howard Recommend? 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Join AMBrewster to learn how your parenting today will greatly affect the nation of tomorrow.Truth.Love.Parent. is a podcast of Truth.Love.Family., an Evermind Ministry.Purchase Quit: How to Stop Family Strife for Good for only $8. https://evermind.passion.io/checkout/193426 Support our 501(c)(3) by becoming a TLP Friend! https://www.truthloveparent.com/donate.htmlDiscover the following episodes by clicking the titles or navigating to the episode in your app:The Point of (nearly) Every Conversation https://www.truthloveparent.com/taking-back-the-family-blog/tlp-308-the-point-of-nearly-every-conversation What is Your Child's Sin? https://www.truthloveparent.com/taking-back-the-family-blog/tlp-237-what-is-your-childs-sin What Is Sin and How Does It Work? https://www.truthloveparent.com/taking-back-the-family-blog/tlp-446-what-is-sin-and-how-does-it-work Should I Ever Ignore My Child's Sin? https://www.truthloveparent.com/taking-back-the-family-blog/tlp-446-what-is-sin-and-how-does-it-work Your Child's Bungee | the nature of sin and parenting https://www.truthloveparent.com/taking-back-the-family-blog/tlp-199-your-childs-bungee-the-nature-of-sin-and-parenting Why Your Family Has Ups and Downs https://www.truthloveparent.com/taking-back-the-family-blog/tlp-274-why-your-family-has-ups-and-downs Parenting Is More Than a Formula | Jim Newheiser Interview https://www.truthloveparent.com/taking-back-the-family-blog/tlp-480-parenting-is-more-than-a-formula-jim-newheiser-interview Parenting in Christ Series https://www.truthloveparent.com/parenting-in-christ-series.html The Most Potentially Destructive Influence in the Life of Your Child https://www.truthloveparent.com/taking-back-the-family-blog/tlp-42-the-most-potentially-destructive-influence-in-the-life-of-your-child Click here for Today's episode notes, resources, and transcript: https://www.truthloveparent.com/taking-back-the-family-blog/tlp-558-how-to-destroy-the-world-with-your-childrenNeed some help? Write to us at Counselor@TruthLoveParent.com. 

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, news for first time homebuyers that changes Clark's long time advice.  Clark Stinks: Segments 1 & 2 Buying A New Vs Used Home: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Does Escrow (in Escrow) Mean, and How Does It Work? What Clark Says You Should Do With Your I Bonds This Year New rules could reshape homebuying. Here's what it means for you. Clark.com - CELL PHONES Best Phone Plans: Get Exactly What You Want at the Cheapest Price Phone Plan Finder – Find the Best Plan For You - Clark.com Zelle scams prompt federal probe into whether banks are doing enough to protect customers Online Defensive Driving Course From AARP Driver Safety Defensive Driving Courses & Traffic School | DriveSafe Online® New homes are getting smaller. That could be big news for first-time buyers Axios: New houses now cost less per square foot than old houses Axios: End of hallways Should You Respond to Class-Action Lawsuits? What Is an ETF? Axios: How action against hidden junk fees affects your wallet Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark is out today, but returns tomorrow in time for Clark Stinks. Back by popular demand is Wes Moss, a fiduciary financial advisor that Clark and Christa have known for years. A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principles work in the future? CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the purpose of these fundamentals and explains why they still belong on the Mt. Rushmore of finance. 60/40 Portfolio: Segment 1 Ask Wes: Segment 2 4% Rule: Segment 3 Ask Wes: Segment 4 Mentioned on the show: Mistakes Investors Might Make When Following The Herd A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin Wes Moss, Capital Investment Advisors What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? What Is a SIMPLE IRA and How Does It Work? What A 6% Withdraw Rate Could Mean For Your Retirement How to Start Investing: 10 Steps for Beginners What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, choosing the right phone plan could save you up to $1500 a year. Clark introduces our new Phone Plan Finder tool to help you cut through the confusion and make that choice much easier. Then Clark discusses a great new retirement savings option for part-time and self-employed workers. Also - It's vital to understand your liability risks and insure accordingly, which for many, includes umbrella insurance. New Roth Options: Segment 1 Ask Clark: Segment 2 Liability Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find the Best Plan For You - Clark.com Changes in Retirement Savings Rules to Know Before Year's End - WSJ 6% of Your Paycheck Is Becoming the New Standard for 401(k) Saving The 3 Biggest Mistakes You Can Make With Your 401(k) The 401(k) Rollover Mistake That Costs Retirement Savers Billions - WSJ 401(k) Rollover: How To Roll Over a 401(k) (Clark.com) What Is a SEP IRA and Who Is Eligible? What Is a SIMPLE IRA and How Does It Work? Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a Roth 401(k) and How Does It Work? Rollovers From a 529 Plan to Roth IRA: What to Know Umbrella Insurance Covers Worst-Case Scenarios. There Are Now More of Them. - WSJ What Is Umbrella Insurance and Do You Need It? (Clark.com) 6 Things To Know Before Contacting the National Foundation for Credit Counseling Why Clark Says You Should ‘Ignore' Paze as Trendy New Payment Option Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Target has announced it will no longer accept one form of payment. Clark shares why this is a good idea, with a payment method warning for you. Clark Stinks: Segments 1 & 2 Using Checks- A Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Get an Identity Protection PIN (IP PIN) Retrieve your Identity Protection PIN (IP PIN) Where To Buy the Best Cheap Printer How to Freeze Your Credit With Experian, Equifax and TransUnion Career opportunities - Careers - About.usps.com How to Avoid Paying Vacation Rental Fees Target will stop accepting this old-school form of payment What Is Mortgage Protection Insurance and Do You Need It? 4 Insurance Policies You Actually Need (and 5 You Don't) What Is Disability Insurance and How Does It Work? Southwest Airlines Is Ending Open Seating. Here's What This Historic Change Means for You Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation has curved downward affecting interest rates, presenting challenges for savers. There are great differences between financial institutions regarding savings rates. Clark discusses how to get the best rates on CDs and savings accounts, and why you NEVER allow a CD to auto-renew.  Also, Amazon is feeling the heat from Temu and Shein, and they are answering with a new competitive site.  Saving Rates Update: Segment 1 Ask Clark: Segment 2 Amazon's New Discount Store: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 16 of the Best High-Yield Online Savings Accounts in July 2024 Best Online Banks: Free Checking and High-Interest Savings Accounts Why Big Banks Are a Bad Place for Your Cash What To Do BEFORE Your CD Expires What Is a 403(b) and How Does It Work? How a 457 Plan Works After Retirement - Investopedia What Are Index Funds? Longevity Insurance: What Is It and Do You Need It? Amazon set to take on Temu and Shein with new discount section How Higher Income Can Affect Medicare Premiums 7 Things To Know Before You Use Zelle How To Spot and Avoid Gift Card Scams Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Seniors are getting scammed more and more. But there are ways to help protect loved ones.  Clark Stinks: Segments 1 & 2 Senior Scam Alert: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Simple Steps To Get Better Customer Service Do Not Give Your Social Security Number at These Places 403b Wise   /   What Is a 403(b) and How Does It Work? Should You Get a Business Credit Card? | When is it Worth it? 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money 7 Things To Know Before You Use Zelle Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%? How To Create a Safe Password Scamming Seniors Is a Growing Problem. Wall Street Wants Washington to Stop It Elder fraud has reached epidemic proportions – a geriatrician explains what older Americans need to know — The Conversation Are older adults more vulnerable to scams? What psychologists have learned about who's most susceptible, and when — The Conversation Why You Should Never Prepay for a Rental Car How To Dispute a Charge on Your Credit Card Submit a complaint | Consumer Financial Protection Bureau Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark goes back to basics on 403(b) plans and 401(k)s. And Speaking of saving, how about saving way more by doing a no-buy (except for necessities) month? Some people are managing to do just that! 403(b) & 401(k) Plans: Segment 1 Ask Clark: Segment 2 The No-Buy Challenge: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? (Clark.com) Pros and Cons of 403(b) Plans What Is a 401(k) Plan and How Does It Work? Pump Up Your 401(k). New Roth Rules Make It Easy NYTimes: Was the 401(k) a Mistake? About 1 in 4 US adults 50 and older who aren't yet retired expect to never retire, AARP study finds 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money Best Investment Companies for Investors in 2024 Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? How To Open a Roth IRA 403bwise: The K-12 403(b) is broken. Together we can fix it. Credit Karma Review: Free Credit Score and More at Your Fingertips What Is a Good Credit Score? Axios: The no-buy challenge / Axios: No-buy revolution More people make 'no-buy year' pledges as overspending or climate worries catch up with them Tempted to try a no-buy year? Here are tips from people doing it Is an HSA the Best Way To Save for Future Medical Expenses? Where Should I Set Up My Health Savings Account (HSA)? The Best Places To Buy Hearing Aids Stash puts the power of investing in the palm of your hand Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices