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This is a podcast Luke recorded for Keep The Change. If you haven't listened to it yet we believe this will inspire you and be insightful to learn about how a young person built a business from nothing.At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective, Wellington's leading car detailing business with a full studio, mobile fleet, and over 125 five-star reviews.In this episode, Max shares how he turned a side hustle into a thriving company (including signing a lease at 17) and how he's balancing business growth with his personal journey toward financial independence. Max's story is a great reminder that you don't need to wait for permission to build something meaningful and that smart financial thinking can start at any age…even at 13!We cover:Scaling from solo operator to team leaderSmart money moves for young entrepreneursMarketing lessons (and early mistakes)Wild stories from working on high-end carsHow young people are thinking differently about money todayWhy “burnout” needs to be explored not just acceptedIf you're building your own thing, thinking about your future finances, or just love a good underdog story, this one's for you.Max business: https://cleancarcollective.co.nzLinkedIn: https://www.linkedin.com/in/max-tebbs-011468253/
We all have it, we all think about it, and (if we're honest) we all probably want more of it—money, that is. But what does God have to say about money and its role in our lives? What if the things we fear He asks us to do are actually the very things that lead us to the peace we desire?
How do we keep from going back to the old life? In this episode of Live the Bible, we journey to Jerusalem with Nehemiah where he rebuilds the wall. But more importantly, Nehemiah continued what Ezra had done to rebuild the people and help them keep the changes they had made in their lives.How do we keep the change we want in our lives? Nehemiah shows us. Support the show
Luke Kemeys is building serious wealth - without a mortgage, without the pressure, and 100% on his own terms. In this episode, we're joined by Luke Kemeys from Keep The Change and Next Advisory to break down the financial plan that's helped him save 40% of his income, deploy $700K across different investments, and avoid the pressure of homeownership.Learn more about Luke here:Keep The ChangeNext AdvisoryNext Steps:Want help creating a financial plan that actually fits your lifestyle and goals? Lighthouse Financial works with clients across New Zealand to build personalised strategies that make your money work harder — and smarter.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
The Fools confront Alayna and get some solid exposition. Then, they try to use Governor McAllister's connection to the Shala's Tower to gain access. After being turned away empty-handed, the Second Breakfast Club Decides to insist. Forcing their way into the Governor's mansion, the Fools find the Governor quite alone and the home quite perilous.Support us on Patreon at www.patreon.com/CreativeTypo and get additional content at www.afoolsquest.com Cast: Mike Cole = Uorag - Druid Furbolg Shifter. Tony Kinney = Eddie Falzone - Human Wizard. Jess Owen = Adira - Fire Genasi Barbarian. Jesse Wicks = Bill Quiverlance - Human Bard. Nico Rodriguez as your DM. If you would like to follow along with our map, you can find it on our social media pages: www.Facebook.com/afoolsquest / www.Instagram.com/afoolsquestpodcast Special thank you to our Patreon Executive Producers: Nick Mead and Patrick T ArsenaultDungeon World: https://dungeon-world.com/ Music: Music Provided in part by Midnight Syndicate. www.MidnightSyndicate.com Additional music provided by Algal the Bard. www.youtube.com/user/alvariu and Epidemic Sound
Ben , Jeff, and Trent dive into a wild mix of topics, from the highs and lows of live streaming to high school basketball highlights and late-night fast food runs. They break down the chaos of NBA trades, debate the cost of family trips to Disney, and tackle the ever-confusing world of tipping culture. The conversation also touches on podcasting struggles, social media algorithms, and the fine line between censorship and free speech.Things take a turn as they discuss aviation safety (yes, plane crashes), attention spans in sports, and the daily struggles of colorblindness. With humor and sharp insights, this episode is packed with real talk, laughs, and a few too many questionable food choices.Chapters00:00 Setting the Stage: Behind the Scenes of Live Streaming02:54 Game Night Highlights: Celebrating Local Sports06:13 Fast Food Adventures: Brahms and Beyond08:46 High School Basketball Insights: Team Dynamics and Performance11:59 Podcasting Evolution: New Formats and Co-host Dynamics15:06 Social Media Shenanigans: Algorithms and Content Bans17:59 Censorship and Content Control: A Personal Perspective20:59 Closing Thoughts: Community Engagement and Future Plans25:57 The Nature of Love and Connection26:48 Recent Aviation Incidents30:52 Air Travel Anxiety and Safety36:36 NBA Trades and Player Dynamics42:02 The State of Basketball and Attention Spans46:53 Trade Talks and Team Dynamics49:03 The Cost of Family Vacations51:00 Disney vs. Universal: A Pricey Debate55:58 Tipping Culture and Personal Limits01:12:44 Tipping Culture and Expectations01:14:12 Dining Experiences and Price Expectations01:16:37 Frustrations with Spending and Value01:18:28 Fast Food and Quality Concerns01:21:41 Late Night Dining Adventures01:25:55 Work Life and Cultural Interactions01:35:56 Navigating Workplace Dynamics01:38:34 Challenges in Hiring and Retention01:40:59 The Journey of Learning and Growth01:42:32 Colorblindness and Its Impact01:53:48 Reflections on Life Experiences
Here is our sermon "Keep The Change" with Pastor Rick McNeely at Christ Community Church, Murphysboro, Illinois on January 19, 2025. Come be a part of our service every Sunday at 10am on 473 West Harrison Road on the corner of Route 127 and Harrison Road. Our Website: www.cccmurphy.com/ Our Facebook: facebook.com/cccmurphysboro/ Our YouTube: www.youtube.com/@christcommunitychurch8257 Our Soundcloud: @cccmurphy We truly appreciate all your support. If you would like to give a donation, here is a link to our website to do so: cccmurphy.churchcenter.com/giving
Ever notice when you are nervous or stressed, the pitch of your voice goes up? Yet a lower pitch would likely be more useful in most cases because we associate a lower pitch voice with dominance and calm. This episode begins with some insight on how to tame your voice in stressful situations and not be betrayed by your own voice. https://www.psychologytoday.com/us/blog/communications-matter/202101/why-you-need-pitch-your-voice-lower There certainly seems to be a fascination with the human butt. It makes you wonder why there is so much interest in butts and why a lot of people seem dissatisfied with the one they have. What is it that makes a butt attractive or unattractive? Does the type of butt you have really meaning anything? Here to explore this is Heather Radke author of the book Butts: A Backstory (https://amzn.to/3IDCndo) It would be hard to get through life without having to apologize. We all must do it and many of us are not very good at it. And, a bad apology can actually make a situation worse than it was before. So, what is the anatomy of the perfect apology? And how do people usually screw it up? Here with some insight is Marjorie Ingall, co-author of the book Sorry, Sorry, Sorry: The Case for Good Apologies (https://amzn.to/3vTllk9). When you leave a tip at a restaurant, you send a message. Given that, how much should you leave? How do you calculate it? Should you ever leave NO tip at all? Listen as I reveal some things to consider when deciding how to tip. Source: Steve Dublanica author of Keep The Change (https://amzn.to/3Wjelut) Learn more about your ad choices. Visit megaphone.fm/adchoices
Luke Kemeys wants you to give money to a stranger. The financial literacy champion and host of Keep the Change reveals how starting a business has transformed his perspective on money—and his entire worldview. Luke reckons that while money isn’t necessarily easy to come by, it starts with believing that wealth is attainable, and all around you. “If you believe that every dollar you get, you've got to hold on to, and you'll never have another dollar, then you're probably gonna live scarce." In this episode of More than Money, Luke opens up about the grind of entrepreneurship and the power of giving without expectation, and even tells us how you can apply accounting concepts in your own life. More Than Money is a series exploring the wealth choices that change us. In these conversations, Kiwi legends give us a revealing look at one important money decision that helped determine where they are today: the strokes of genius, the near-misses, and the tough calls. Episodes drop every Monday and Thursday in January. Watch this episode on YouTube or Subscribe to the Shared Lunch feed so you don’t miss a thing. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. They are not financial experts and their views are their own. Shared Lunch is not financial advice. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the time of recording.See omnystudio.com/listener for privacy information.
The far more censored version of the award-winning and unparalleled "A Mediocre Time with Tom and Dan." - "A Corporate Time" is a daily companion and terrestrial radio show heard nationally on iHeartRadio. It's silly.
In this bonus episode we continue the conversation with Keep the Change host Luke Kemeys, and unpack the last couple of years of economic rollercoasters! Leighton & Luke explore the importance of financial education and building options, how optimism isn't about everything being perfect, but being prepared, plus Luke shares some real experiences from his community. This bonus bite is in addition to our previous episode '5 blockers to growing long term wealth'. For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand and Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) (collectively referred to as ‘Sharesies'). Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. Shared Lunch is not personal financial advice and provides general information only. Past performance is not an indication of future performance. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the time. See omnystudio.com/listener for privacy information.
Are you overthinking your investing? Do you ever find yourself procrastinating, or getting stuck? In this week's Shared Lunch, accountant and grassroots financial educator Luke Kemeys (Keep the Change) points out five barriers that get in the way of creating wealth. Whether it's a lack of goal-setting, waiting endlessly for the “right time”, analysis paralysis, or letting fear get the best of you, Luke busts your every excuse and reminds us that investing isn't about being infallible, but consistency and a long-term mindset. Hear why and how to start small, stick at it, and keep it simple. For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand and Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) (collectively referred to as ‘Sharesies'). Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. Shared Lunch is not personal financial advice and provides general information only. Past performance is not an indication of future performance. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the time. See omnystudio.com/listener for privacy information.
Today, I'm talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We're talking about money, how property wealth is actually created, and how central banks of the world are on a mission further digitise the money we use. Read more______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15...
In this special webinar episode, we sit down with Luke Kemeys from Keep The Change and Tom Hartmann, Sorted's Personal Finance Lead, to walk us through five essential steps to grow your wealth. From building a $1,000 emergency fund to clearing high-interest debt, we cover key strategies to help you take control of your finances and start investing for the future. This episode is proudly sponsored by Partners Life. For more money tips follow us on: Facebook Instagram LinkedIn TikTok YouTube The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.Re
Is it normal to say "keep the change" just because you can't be bothered to hold it?
On today's show... All these bands are going on "Farewell Tours" but are they really going away? Is it normal or no to say "Keep The Change"? When is a good time to lie to your friends? Enjoy!
Is it normal to say "keep the change" just because you can't be bothered to hold it?
THERE'S LOTS of CHANGES going on. No doubt…there are many of you going through BIG CHANGES. I don't know if you're like me…I want things to change…but when things actually CHANGE…it's nothing like I thought it would be. And I get ticked! So…How do YOU feel about CHANGE? How do you handle it? Do you love it…or do you hate it? You might say, “This is NOT…good. I don't like what's happening. I don't like this change in my life. This is NOT what I wanted.” I get it! Every change is an education. And how we handle the changes that come, can make us bitter...or better. We're talking about it on tonights episode..."KEEP THE CHANGE" - Crud Talk E182 www.sonyabrunner.com Sonya Brunner - Fifty Shades of Grace (Facebook page) @sonya4him - Instagram @SONYAcruddealer - TikTok Sonya (Fifty Shades of Grace, host of Crud Talk podcast) Brunner - Linkedin Got Crud? Yep. We ALL do. It's how we deal with it (or not) that makes all the difference. Crud Talk is a podcast that helps people deal with their crud. Are you stuck? I can help. *Message me for package details. Do YOU have an event? Do you need to encourage your audience with a POWERFUL story? I'd love to be a part of it! *Message me for speaking availability! #crudtalk #podcast #dealwithyourcrud #fiftyshadesofgrace #hope #love #peace #howtodealwithchange #seuxalabuse #JesusChangesEverything #faith #healing #speaker #truth #bible #relationships #forgiveness #Jesus #sin #childabuse #sonyabrunner #changes #lifechanges #howtohandlechange
Bubba gets creative in an effort to put the Night Peddler's infernal guards down for good, Folton tries to get his axe back and a shock awaits The Club on their return to Fable! You can help us grow and get exclusive bonus content by visiting The Danger Club Patreon! Follow us on Facebook, Twitter, Instagram, YouTube, Twitch and Discord! Music thanks to: Kevin Macleod, White Bat Audio, and Ross Bugden.
In this episode, the gents discuss the idea of "change" over breakfast and coffee. Since the beginning of the podcast, all three gentlemen have moved on from working together in the same school. We all experience change, but some of us seek it out while others avoid it. Some of us get excited about it, and others feel trepidation. How do you respond to major life changes? How does an upcoming change make you feel? Do you choose change or let it happen to you? Is change in opposition to simplicity? Is change harmonious?
How to help a younger person find their career path? David Toussaint shares his insight. Author of "When Money Gets Personal" and "Keep The Change" both on Amazon. David taught "Finances God´s Way" in North, Central and Aouth America. https://whenmoneygetspersonal.com https://www.linkedin.com/in/david-toussaint-8521348
김영철의 파워FM - 진짜 영국식 영어 237회 - 잔돈은 안주셔도 됩니다. = Keep the change mate.
The lads are back with another rage filled deep dive into the past weeks top stories, and the very worst... You can follow the boys on Twitter. Mike is: @IROMG, Kevin is @TVKev and you'll find the podcast too: @ThoughtPoliceTP. Meanwhile if you'd like to send them an email, the address is: thoughtpolicepod@gmail.com
2.21.24 In today's podcast I talk about the history of weather modification, use cases for chemtrails, WW2 stuff, the Bin Ladens and the Bushes, Putin, cars spying on you, and much more! Here's the link analyzing audio from the cop shooting at that dude: https://www.youtube.com/watch?v=K4K26FTC1i8
“KEEP THE CHANGE, YA FILTHY ANIMAL.“On this episode, we are going to be talking about one of the most popular and beloved Christmas films of all time. We will be talking about 1990's Home Alone, directed by Chris Columbus, starring Macaulay Culkin, Joe Pesci, Daniel Stern, and Catherine O'Hara. It is the first movie we have covered that was written by John Hughes, the second Chris Columbus movie, and believe it or not, the third movie we have covered to feature one of the Culkin brothers.When someone mentions “Home Alone,” the first thing we think about is obviously Kevin McCallister (played by Macaulay Culkin) laying traps for a pair of burglars to fall for, and experience head trauma that would kill a normal person, only to get up to fall down more stairs. However, upon reviewing we discover that there was actually a lot more to the movie than over-the-top comedic violence, but a story of a young child's growing resentment for his family and learning to take care of himself. It's success in telling that story is up for debate between your hosts, but we both still enjoy the film, buy maybe one of us didn't like it as much as he used to.We talk about how successfully (maybe too successfully) the film gets us to hate the McCallister family along with Kevin. We talk about the strengths of the films inclusion of the mysterious scary neighbor who isn't all that scary, admire the use of the fake noir film ‘Angels with Filthy Souls,' and discuss the great charisma of Macaulay Culkins performance, and also how good Joe Pesci and Daniel Stern are at playing dumb.Can you believe there are 6 films in this franchise? Why did they make so many, and why is it that the first film was the only film with a relatively positive reception from both critics and audiences? Why did Roger Ebert prefer Home Alone 3? Why did Macaulay Culkin stop away from acting a few years after Home Alone's historic theatrical run? What's he up to now? We get into all of that! We hope you enjoy this episode!Music is from Triune Digital and audio clips pulled from movies we will be reviewing in other episodes.Artwork by @jannelle_o
Join us on this episode of Please Don't Spoil The Movie as we revisit the timeless holiday classic, Home Alone. Kevin McCallister is accidentally left behind when his family goes on vacation for Christmas in Paris. Kevin must defend his home from burglars using creative booby traps while learning the importance of family. Tune in to hear us discuss bad parents, Macaulay Culkin, and concussions.
Win Rob's Change & Keep the ChangeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.