Podcasts about lists

In episode 14 Owen and JessicaRose share their top 8 films from the year 2020. Plus we explore the Top 8 according to worldwide box office take and dive into a list shared by a listener of the show. Thank you Mike for sharing your top 8 with us.  Head over to instagram to vote for your fav list top_8_media⁠⁠ .  What movies hit top spot?. Where will Tenet, 1917 and Birds of Prey land on the lists? Your top 8 movie based lists are what make the pod work so send them over via DM on Instagram at ⁠⁠top_8_media⁠⁠ . This is a weekly podcast all about movies featuring top 8 lists from our listeners & the industry. Send us your top 8 via DM for our cohosts to discuss.

This week the guys may have finally fixed their long standing camera issue!  Video production is hard.  Foo becomes that Dad and it hits him.  Gym has a hectic Thanksgiving for several reasons.  Foo figures out a new way to make turkey and it pleases him.  Gym weighs in on the new Hunger Games film.  Foo says that Tom Cruise runs really weird.  Gym takes his car back into the show for an evap leak.  The guys get Christmas decorations up.  Foo finds some new outdoor lights but can't quite get them in time.  Foo is getting christmas lists from his kids.  Gym's garage door opener takes a dump but he might be able to repair it.  Muscle memory is real.  Gym has a weird dishwasher fix.  Plus more!

On the 97th episode of the Ego Chall Podcast, Justin Binkowski and Preston Byers discuss the validity of and drama surrounding gentlemen's agreements (GAs), their CDL personal power rankings and tier lists, and the Los Angeles Guerrillas finally announcing its CoD roster.

We were live from LHM Chevrolet Provo and we start off with Frank Christ presents, 'They're Fine, Just Fine', and then it's time for Things That Must Go. After that, we award winner of Boner of the Day and talk about the Road to the Road Home and Gina has a list. Then we play another round of Beat Gina. And of course, we finish out with Boner Recap, news and our Live Nation Concert and Community Calendar.

Pandemic-related strains on the child care labor force caused long wait lists at daycares at military facilities across the country. However, the Navy said the situation is improving. Plus, Gov. Gavin Newsom's office analyzes the potential of generative AI and concludes it could dramatically improve government service but also carries risks. Finally, an exhibition in Chula Vista that shows the legacy of San Diego County's Filipino community has been extended for another year.

Join our free Florida income properties webinar, tonight, Monday, November 27th for 5.75% mortgage rates at: GREwebinars.com Today's topics: Conventional financial advice is God-awful; tertiary real estate markets; I've got a solution to guilt tipping; whether or not the world is uncertain and unsafe. Conventional financial advice is so bad. I attack the practices of setting budget alerts and paying off your smallest debts first.  Don't roll a debt snowball; roll a cash flow snowball. In the past five years, tertiary markets are beginning to exhibit the rent stability of larger markets. Guilt tipping is out of control. Learn my elegant solution. You'll never pay a guilt tip again. It seems like the world is increasingly uncertain and unsafe. It isn't. I talk about why it only seems this way. Timestamps: The limitations of budgeting (00:02:43) Discussion on the drawbacks of using budgeting platforms and how they reinforce scarcity thinking. The debt snowball concept (00:05:09) Explanation of the debt snowball method of debt paydown and why it is not aligned with an abundance mindset. Investing in tertiary real estate markets (00:09:43) Exploration of the emerging bullish case for investing in smaller, tertiary real estate markets and their stability compared to larger markets. Tertiary Real Estate Markets (00:10:56) Discussion of the advantages and objections to investing in smaller tertiary real estate markets. Increasing Investor Appetite in Smaller Markets (00:12:02) Exploration of the growing interest and sales volumes in tertiary real estate markets. Guilt Tipping and a Solution (00:20:16) Explanation of guilt tipping and a proposed solution to avoid feeling pressured to leave a tip when making digital payments. Guilt Tipping and the Increasing Expectations (00:21:20) Discussion on the rise of tipping expectations and the use of digital payment prompts to ask for tips. The Problem with Guilt Tipping and the Inconvenience of Undoing Tips (00:23:45) Exploration of the annoyance of guilt tipping and the difficulty of undoing tips after poor service. The Solution: Paying Cash to Avoid Guilt Tipping (00:31:18) Suggestion to pay with cash as an elegant solution to circumvent guilt tipping and ignore electronic payment terminals. The Uncertainty of the World (00:32:25) Discusses how uncertainty has always existed and how waiting for complete clarity can hinder investment decisions. Disasters and Uncertainty (00:33:47) Lists various disasters and events that have occurred in the US, highlighting the constant presence of uncertainty and the relative sense of certainty and safety today. The Ultra Safety of American Society (00:36:13) Examines how society has become ultra safe, discussing the term "safetyism" and providing examples of excessive safety measures. Resources mentioned: Show Notes: GetRichEducation.com/477 Join our Florida properties webinar, free,  Nov. 27th at 8:30 PM ET at: www.GREwebinars.com For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete Episode Transcript:   Keith Weinhold (00:00:01) - Welcome to I'm your host, Keith Weinhold, with a rant on how conventional financial advice is so terribly god awful an outlook for tertiary real estate markets, then? Are you getting worn down from guilt tipping? I've got a proven solution on how you'll never pay a guilt trip to a business again. And finally, how do you arrange your investing in personal finances in a world that's uncertain and unsafe? All today on get Rich education? When you want the best real estate and finance info, the modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers. Oh, at no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of hours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple text to six, 6866.   Keith Weinhold (00:01:15) - And when you start the free newsletter, you'll also get my one hour fast real estate course completely free. It's called the Don't Quit Your Day dream letter and it wires your mind for wealth. Make sure you read it, text GRE to 66866. Text  GRE to 66866.   Speaker 2 (00:01:40) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:56) - Welcome from Los Angeles, California, to Las Cruces, New Mexico, and across 188 nations worldwide. I'm Keith Wayne holding. This is get rich education. When you pay for a low level service item like a Chipotle burrito, and another human is looking at you to see if you leave a 20% tip on a digital payment terminal, does that make you feel uncomfortable? Well, now you're being asked to. Guilt tip I've got a foolproof way on how to never get put in that situation again. That I'll share with you later here. You know, sometimes you just hear something that triggers a rant. I recently heard an ad for a digital platform that helps you manage your finances.   Keith Weinhold (00:02:43) - And what an awful, in scarcity minded way of thinking this reinforces. But this is actually what mainstream financial guidance looks like. All right, it was an ad for a digital platform trying to attract you there. And here's basically how it works. You set up your account. Then based on your income and expenses, you set up your budget. And as you know, that is a bad word around here, a budget. It's not how you want to live long term. All right. Then, when you're close to hitting your spending budget for the month or whatever, this platform triggers a budget alert. Are you kidding me? You get emailed a budget alert. How convenient. Oh, geez. So much for living an aspirational life by design. What a dreadful idea. Like someone that really wants more out of life would actually take effort to set up something like that. You would be building an architecture to establish life patterns that completely say, I think that money is a scarce resource. Now, in the short term, you've got to do what you've got to do, which might mean living below your means for a little while.   Keith Weinhold (00:03:55) - But in a world of abundance, delayed gratification should be a short term notion for you. I think that this type of platform that centered around stupid budget alerts is so limiting. Gosh, you've got to feel cheap just saying that out loud a budget alert. But anyway, that sounds conducive to this concept of scarcity based finance called a debt snowball that you can read about the debt snowball on Investopedia. But the debt snowball, that's basically how you pay off your debt with the smallest balance first, not the highest interest rate, but yes, the smallest principal balance it would have basically says is in the first step, what you're supposed to do is list your debts from smallest to largest, and that's regardless of interest rate, just smallest to largest based on the amount. And then the next step is that you make minimum payments on all of your debts except the smallest one, because you pay as much as possible on your smallest debt. And then the last step is you're supposed to just go ahead and repeat that until each debt is paid in full.   Keith Weinhold (00:05:09) - That's the debt snowball. So according to that, why do they say to disregard the interest rate, which is your cost of capital? Because they say that when you pay off the smallest debt super quick, that you're going to be jumping up and down with excitement, and that is going to motivate you to keep working hard to get debt free. They say that hope is more important than math. That's the school of thought. And along the way you should lower your expenses, cut spending, work hard and add a side hustle where you can. Oh my gosh, that is all congruent with this debt snowball concept that we sure do not endorse here at. I mean, that is 100% orthogonal to the world of abundance that we believe in. So often on your high interest rate debt. What you would do then is you'd make the minimum payments with this debt snowball, and then you focus it all on your smallest debt amount, regardless of interest rate. You've heard that right? And it even advocates that you stop investing and just focus on that smallest debt amount, even if it's a low interest rate.   Keith Weinhold (00:06:22) - That makes no sense. If you've decided that debt paydown is the best allocation of your first expendable dollar. All right, even if that were a yes, then in most cases you'd want to pay down the highest interest rate independent of the total principal balance on each of your debts. I mean, that's arbitrage, but they even bigger question for you, almost existential in nature is why is the best way to allocate your first expendable dollar on debt? Paydown. And. Any way it's or that. First, because one of the first places to look is how you can leverage that dollar 4 to 1 or 5 to 1 as long as you've controlled cash flows. Now, sometimes there are instances where you'd want to pay down debt before investing, certainly like a 20% Apr credit card debt, that could be one such place. So could retiring a debt to help your DTI, your debt to income ratio so that you can originate a new business loan or a new real estate loan first? All right, you might do thatrillionegardless of the interest rate on a loan.   Keith Weinhold (00:07:30) - But my gosh, if we want to stick with the snowball analogy, since we're a few days from December here, instead of trying to push a debt snowball up a hill to start rolling a cash flow snowball down a hill, when you buy an asset that pays you a monthly income stream to own it, that is constructive. Compounding your cash flows beats compounding your debt paid out. Instead of trying to push a debt snowball up a hill because you're cutting your one and only quality of life down. Instead, start rolling a cash flow snowball down a hill, and now you've got gravity working with you in the right way. That is the end of my rent. Hey, maybe I just feel like complaining a bit. My Jim was playing Phil Collins and Elton John all weekend, so maybe that's a kind of what in the world kind of mood that had generated in me, I don't know. And hey, nothing wrong with Phil Collins and Elton John. I mean, those guys are truly talented singers, 100%.   Keith Weinhold (00:08:28) - I just don't want to be working out to those guys. Michael Bolton, George Michael that's not motivating me to hit 20 burpees. Okay. Hey, well, I hope that you were set up for a great week. Be sure that part of it is that you are signed up for our live event tonight for 5.75% mortgage rates on Florida Income property@webinars.com. Now, whether you're looking at investment property in Florida or most any of the other 49 US states, there's a really nascent and interesting development that's been taking place for at least five years now. And that is what's happening in tertiary markets, smaller markets. I'll define tertiary a bit more shortly, but we're talking about metro statistical areas, MSAs that are probably not under 100,000 population, not that small. From a rent growth perspective. What's happened is that over the last five years, tertiary markets have had similar patterns to bigger markets. And historically, these smaller markets have been more erratic. But in rent growth terms, tertiary markets have stabilized. Now, a primary market is something like New York City or Chicago, a secondary market.   Keith Weinhold (00:09:43) - You might think of that as a little Rock, Arkansas, where it's under a million in size, and then a tertiary market that's going to be somewhat discretionary. But we're talking about a population of 100 K up to, say, 300 K. And what's noteworthy is that there are now more analysts and investors that are bullish on vibrant tertiary markets. So let's talk about why this is happening. I think there's an emerging bull case for overcoming some of the historical roadblocks to tertiary market investments in a diversified multifamily or single family rental portfolio. And one classical objection is that tertiary real estate markets are too volatile. Historically, we perceive smaller markets as more volatile. Yes, and some surely are. But over these last five years, markets outside the top 50 in size were regularly more consistent. Okay. They avoided rent cuts in 2020. They recorded sizable but less lawfully rent hikes in 2021 and 2022. And now they remain moderately positive in 2023, even as larger markets have kind of flattened out in the rent growth.   Keith Weinhold (00:10:56) - And of course, we're talking about a composite group of tertiary markets here. Some are more stable than others. You got to watch those local trends as always, of course. And you know, classically a second objection with these smaller markets is that, well, it's too easy to add a lot of supply. And yes, that is sometimes true and sometimes it's not. Indeed, there are a handful of small markets that are building like crazy, like Sioux Falls, South Dakota in Huntsville, Alabama. But as a group, the construction rate in what that is is the total units under construction divided by the total existing market, that is 5% in large markets versus the construction rate of just 4% in small markets. See, it can be harder to build in certain small markets due to NIMBYism or a lack of debt availability, especially if local banks aren't interested in the check size needed for construction loans. It can also be harder to build in certain small markets due to a lack. Of equity because it's a tougher sell to ask investors in a syndication to bet on a market that they don't have a lot of knowledge of.   Keith Weinhold (00:12:02) - Another objection to these tertiary markets is that small markets are not liquid. Since 2019, sales volumes in dollars going into tertiary markets has doubled. Investor appetite has definitely increased in smaller markets. And that's particularly true among these traditional regional investors that are looking for better yield as the larger cities got pricier. So good small markets, you know, a lot of them really are not secrets anymore. And there's only one more objection to these tertiary real estate markets and that it is harder to scale operations. And yes, there is always benefit in efficiency of scale. But, you know, it's certainly been getting easier with better technology today. Investors can always work with top local property managers. And for investment property owners or managers, they often target small markets adjacent to larger markets where they have a bigger presence. So some other considerations before you as an investor go deep in one of these smaller tertiary markets is you want to be choosy in your market and in your site selection. Look for small markets that have multiple drivers.   Keith Weinhold (00:13:13) - You don't just want these one trick ponies. You know, I've discussed with you before about how markets that are heavily focused on commodities or heavily focused on military, they are not favorable because those two sectors, for example, commodities and military, are just pretty volatile. Look for growth or steady markets, lots of small markets. They continue to grow at a pretty healthy clip. And you want to look for markets with an absence of new product. Now why don't I name a few tertiary markets so that you can get a better idea of this. So about 100 K to 300 K in population size. Not that these next ones are necessarily good or bad markets. It's just for size comparison. I'm thinking about Ocala, Florida and Shreveport, Louisiana. You know those two. They're almost getting too big. They're almost secondary markets Wilmington, North Carolina at 300 K. That's a tertiary market. So are Akron and Canton, Ohio Dayton. That's pretty tertiary, but it's also close to Cincinnati. So you got a little more safety in Dayton.   Keith Weinhold (00:14:20) - Toledo is secondary. Burlington, Vermont is tertiary. Bellingham, Washington is tertiary. Yuma and Flagstaff, Arizona are both tertiary. Yes. We're talking about the stability in rents in tertiary real estate markets. Conventionally. You know, in the past, I've said that MSAs of 500 K population or more, that's pretty much where you want to be. But anymore, with the rise of remote work after 2019, it's really making some of these smaller tertiary markets more palatable to real estate investors and something that you probably want to consider. So really, that's the takeaway for you here and say this is the kind of stuff that really plays into my interests as a geography guy. See, I'm a real estate guy, but I might be the most geography interested real estate guy out there. Geography is something that I really love, though I could I don't share too much geography here on a real estate show. Sometimes it's relevant because both geography and real estate are location, location, location, but sometimes it's less relevant.   Keith Weinhold (00:15:25) - For example, North America's longest river is not the Mississippi, it's the Missouri River. The New York City metro area is so populated that more than one in every 18 Americans live there. That's almost 6% of the entire American population. See, some of this is more trivial or of general interest than it is relevant to real estate. Although you could learn some geography from me. Do you know the closest US state to Africa? If you draw a straight line, the closest state to Africa is not Florida or North Carolina. It is Maine. Look on a globe. Part of the reason that Maine is the closest state is that Africa is primarily in the Northern Hemisphere, not the southern, contrary to popular belief, and to look at a different continent. The entirety of South America is east of Jacksonville, Florida. Here's one more piece of geography. Canada's beautiful and mountainous Yukon Territory is larger than California, yet California has more than 900 times the population of the entire Yukon. Yes, the giant Yukon has less than 45,000 people.   Keith Weinhold (00:16:39) - It is the practice of guilt tipping out of control. And how do you respond to our world that seems to be increasingly unsafe and uncertain. That's coming up next. They say, if you give a man a fish you have fed him for. Or a day. But if you teach them to fish, you have fed him for a lifetime. Well, here at gray, we do both. I'm not talking about both in terms of men and women, but we teach you how to fish and give you a fish. Get rich. Education is where we teach you how to fish. With this show, with our blog and newsletter and videos, we also give you a fish. That's it. Gray marketplace. It's one of the few places you'll find affordable, available properties that are good quality there at marketplace. They're all conducive to our strategy of real estate pays five ways I'm Keith Wild. You're listening to get Rich education. Jerry listeners can't stop talking about their service from Rich lending group and MLS. For 256.   Keith Weinhold (00:17:45) - They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your pre-qualification and you can chat with President Charlie Ridge. Personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate, and I kind of love how the tax benefit of doing this can offset capital gains in your W-2 jobs income, and they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love.   Keith Weinhold (00:18:55) - For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to 66866.   Speaker 3 (00:19:16) - This is real estate investment coach Naresh Vissa. Don't live below your means. Grow your needs. Listen to get rich education with Keith Weinhold.   Keith Weinhold (00:19:34) - Welcome back. I'm your host, Keith Weinhold. There will only ever be one great podcast. Episode 477. And you're listening to it perhaps on one third of our episodes. Throughout the show's history, there is no guest. It's 100% me, a slack jawed monologue like it is today, and lots of great Jerry episodes coming up in the future, including Robert Helms other real estate guys here soon as he runs alongside me for an episode as we discuss goals. If you get value from and you don't want to miss any future episodes, be sure to hit subscribe or follow on your favorite podcast platform so that you're sure to hear from me again after today.   Keith Weinhold (00:20:16) - Is guilt tipping out of control? We have all felt it now. Does this happen to you today when you're about to pay the Starbucks barista or for the subway sandwich and they spin the digital payment terminal around toward you and say, it's just going to ask you a question before you pay. And then they stand there and they look at you in the face and they watch what you choose. All right. Does that right there give you a tinge of anxiety or even stress you out? Well, if you give in to that, that is called guilt tipping. And you know what? I've got a solution to guilt tipping. A simple and elegant way that I'm going to share with you so that you never have to see a payment terminal like this in your face again, that asks you for a tip when you're out shopping or dining and paying for something. Yes, I've got a proven solution for how you'll never even be asked to leave a guilt tip again because I tested it and mastered it. It works.   Keith Weinhold (00:21:20) - We even have an unverified report on Reddit of a self-serve digital kiosk now even asking you for a tip. What? I mean, how far will this go? Yes, like a self-checkout for your own groceries at a supermarket like Giant or Safeway? First, let's get some context about why this is so important to you in the first place and how bad it's getting. It might even be worse than what you're thinking here. All right, a new study from Pew Research. It found that 72% of people said that the long standing practice of tipping is now expected in more places than it was five years ago. My reaction to that stat is what? How is it not 100% of people saying that it's happening all over the place, and consumers like you and I are increasingly getting tired of it? The way it works is that today's digital payment prompts, they allow businesses to preset suggested tip levels, so it's easier than ever for them to ask for tips and companies that have not done so in the past. They are definitely doing it now rather than giving employees a raise.   Keith Weinhold (00:22:35) - Instead, they're asking you to supplement the employee wage by asking you for tips where they didn't before. Must you fight back like David Horowitz, if you're uninitiated on that? I learned about a popular show that apparently ran on prime time network television in the 1980s. The show was called Fight Back with David Horowitz, and it advocated for how consumers can fight back against unscrupulous business practices. In fact, let's listen into the cornball intro of this show, which your parents might remember. It's something about fight back. Don't let businesses push you around.   Speaker UU (00:23:20) - But don't let anyone push you around. Fine, but stand up and hold your ground. I got. Someone tries to you in. Five spot. Just.   Speaker 4 (00:23:44) - Oh, jeez. Yeah.   Keith Weinhold (00:23:45) - Fight back against guilt tipping, I suppose. See, a few years back, the reason that you began getting asked to leave a tip in places you hadn't before. That's because it was a way for you to provide a gratuity for service workers. Because you were supposed to have appreciated that they showed up during the health crisis when a lot of workers did not want to show up.   Keith Weinhold (00:24:09) - But now that the crisis appears largely over with, the tip requests have not gone away. They've gotten worse because by now companies see what they can get away with. Now, look, people don't want to feel like a jerk or a cheapskate. You don't. I don't, but businesses are taking advantage of that fact by making bigger than usual tips. The default option on these payment terminals. It really that's the crux of the annoyance. Say that you're given choices of 20, 25, or 30% on a payment terminal just for someone handing you a pre-made sandwich that's already wrapped in cellophane. I've had it happen to me, and then hoping that you will just go ahead and pay the extra amount, rather than hassling with clicking custom tip and entering a smaller number like 10% or zero. Understand something here. The business call it a sandwich shop. They're not the ones that always decide what tip options you're presented with. Did you know that because the companies that own the payment systems, they can earn a cut of your money from each transaction? Those payment system companies, they also have an incentive to increase those amounts as much as possible, not just the sandwich shop, but they are both complicit in this scheme together.   Keith Weinhold (00:25:37) - But now sometimes you get asked to leave a tip beforehand before you're even delivered any good or service. And see, that's getting awkward too. And see the fear of that you and I should have. Now is that in this case, as the customer, as the client, you are going to get punished if you leave a low tip before they deliver the service to you. See, that's another big problem here with guilt tipping. Now, traditionally, tips were thought of as a way to reward good service after you already received what you paid for, right? That's how it works. You pay your server after a meal, you pay your valet. After they bring you your car. You pay the tour guide after your volcano hike or snorkel tour. If you thought that they did a good job. Now, just the other day at a chain fast casual Mexican restaurant that you've certainly heard of, I was being rung up about $35 for two double steak burritos, and there's a lower service level there than a full sit down restaurant.   Keith Weinhold (00:26:44) - But I left a 10% tip at the counter on that day. I thought they put lots of steak on them. And then I walked my burritos to the tables and the tables were messy. I could not find a clean table anywhere, but I had already left the tip. It was too late, so I left the tip and then only later did I discover the poor service, the messy tables. Oh gosh, I wasn't going to go back and try to undo the tip, huh? Before I tell you about my elegant solution so that you can forever avoid guilt tipping. So let's understand just where are Americans tipping today? The situations when people add a gratuity. You know, this really offers some insight into the new tipping landscape. And again, this is according to Pew Research for dining at sit down restaurants, 92% of people are tipping there. And of note, a majority said that they would tip 15% or less for an average sit down meal. That kind of surprised me, because etiquette experts say the tipping 20% at a full service restaurant is standard now, and that's what I do.   Keith Weinhold (00:27:48) - Okay, getting a haircut 78% of people tip today. Having food delivered 76% for those using a taxi or rideshare service like Uber, 61% of people said that they would tip. I tip for all those things. Buying coffee. Only 25% of people leave tips and eating at fast casual restaurants only 12%. So look, people are upset because we've had years of high consumer price inflation and service inflation on top of that. And then a tip on top of that. Yeah. So it's tip relation on top of inflation. And then there is this preponderance of restaurants especially. It suggests that you tip the post-tax amount. Have you noticed that that means that you're also paying a tip on the tax that you pay? So just pay attention to that next time you're at a sit down, full service restaurant, or really most any other place that suggests a tip amount. And yeah, that's annoying. And I really doubt that that business sends that extra revenue to the IRS where you're paying a tip to the tax amount.   Keith Weinhold (00:29:00) - Gosh. But it all comes back to tip and the influx of automatic prompts at businesses like coffee shops, it gives you more chances to tip, and it'll just wear you down and then wear you out, creating this sense of exhaustion thinking what is all this for? It is just wild. If supermarkets are asking you to leave a tip for self checkout, your supermarket wants to outsource their checkout duties from clerks and cashiers to you, asking you to scan your own groceries. By the way, that is an example of service inflation. And then they ask you for a tip. On top of this food inflation and service inflation, you're doing it all yourself. What is next? You're going to have to unload the store's delivery of food from the 18 Wheeler truck in the back, onto a forklift, and onto the shelves yourself. I kind of doubt that. But if grocery stores are convenience stores, self-serve kiosks, if they're requesting tips, then it's more likely that soon enough, your human checkout clerk is going to start requesting tips.   Keith Weinhold (00:30:09) - When you're checking out at Whole Foods or Publix or Wegmans or Safeway, that human checkout clerk that's going to appear as some sort of small luxury comparatively. I mean, I would expect that to come to your town next. Expect to see it if you haven't already. There used to be this general understanding of what different tip amounts convey to servers and workers. Now, decades ago, it used to be a 10% tip meant, all right, well, hey, it wasn't horrible, but it wasn't great either. A 15% tip was normal and 20%. That meant that person did an excellent job. But now those amounts have all become expected and they've all been bumped up 5% or more. All right, well, here's my solution to avoid guilt tipping the way to no longer see a digital payment terminal spun around put in your face. Putting you on the spot to make a nice tip is just this two word solution pay cash. Yes, when you pay cash, you don't have to see an electronic payment terminal at all.   Keith Weinhold (00:31:18) - And it's far easier for you to ignore a physical tip jar that's sitting on the counter over to the side of you. The elegant and simple solution to guilt tipping is to pay cash. Now go ahead and leave a tip for good service if you want to. I'm not here to suggest that you stop all tipping. It's about how you can make an elegant circumvention of guilt tipping. If you have an eight second long exchange where you ask for a cup of coffee and they turn around and pour it from a spout and hand it to you. And that's all they did. Well, that tips discretionary. The bottom line is that you don't have to tip every time you're prompted. And now go ahead and hit up that ATM with cash. You will be armed and you can avoid guilt tipping completely. And hey, can we say that you will be fighting back like David Horowitz? Tipping is fine, but guilt tipping is out of control. And hey, if you want to see more on guilt tipping, I really brought it to life on a video recently where I really broke it down.   Keith Weinhold (00:32:25) - That is on our YouTube channel. We are consistently branded as they say. Our YouTube channel is called get Rich education. So you can watch me talk about guilt tipping and show you more over there. Do you feel like the world that you're living in is increasingly uncertain and unsafe? And is that adversely affecting your investment decisions? That happens to some people and you can't make gains when you stay on the sidelines. I think some people make too much of uncertainty, even though it has always existed. Just look at the last about four years. You know, someone could have said, I am just paralyzed with inaction because of the pandemic. Oh, that's uncertain then the recession fears uncertain, then rising interest rates where they rose fast, uncertain. And today it might be wars uncertain. And you know, the same people that get paralyzed with uncertainty. They will soon say something next year like, well, it's a presidential election year. So. I think uncertainty is going to sideline me again. If you wait for uncertainty to abate, such as you have complete clarity or even great clarity, you're going to be waiting your entire life.   Keith Weinhold (00:33:47) - Uncertainty and an absence of complete safety that's existed in the world every single day since the day that you and I were born and before you and I were born. And it will exist after we're gone, too. I mean, really, just look at some of these disasters that have taken place just this century, and we're still in the first quarter of this century. And let's look here at some just in the US, not foreign crises. I'm thinking about the Y2K bug, the September 11th terrorist attacks on the World Trade Towers in the Pentagon, the Iraq war, the invasion into Afghanistan, Hurricane Katrina, where 1800 people were killed, the GREAtrillionECESSION, the Arab Spring, the surprise of Donald Trump becoming our president in 2016. Remember, that was a real upset over Hillary Clinton. How about the jarring events of January 6th of the Capitol less than three years ago, the eviction moratorium, the slow creep of climate change, the riots and civil unrest with the George Floyd protests, the wildflowers from California to Maui.   Keith Weinhold (00:35:00) - I mean, I could go on and on about how winners just keep thriving despite a world that's constantly uncertain and unsafe. And I'm only talking about things that involve the United States here, and I'm keeping it confined to this century just a little more than two decades. I mean, before that, we had World wars. We had the Dust Bowl, Cuba's Bay of pigs invasion in the Cuban Missile Crisis that could have led to a nuclear apocalypse that completely destroyed the entire world. There is relative clarity today compared to all that. How about an assassination attempt of our President Reagan? I mean, things are substantially more certain today in a lot of ways. And today, American employment is strong, GDP is growing. Our currency is fairly stable despite our problems, which will always exist. Today, the US economy is outperforming everybody in the world. And in a world that some feel is uncertain and unsafe, just consider the relative sense of certainty and safety you have today. Well, we discuss wars today. As bad as they are when they do happen, they're never on US soil.   Keith Weinhold (00:36:13) - Can you imagine an attack on American soil? How would that sound? Like? The enemy has destroyed and taken control of Charleston in Savannah. And next they're moving inland to take down Atlanta. I mean, that's so unlikely that your mind isn't even conditioned to think that way. But the reason that it seems, seems like your world is getting less certain and less safe is because of media. Media is more fractured than it's ever been. It wants your attention. So with more competition with everything from YouTube videos to TikTok clips now competing with legacy media, you get introduced to more fear in order to get your attention. My gosh. I mean, is American life safer than ever? You can make the case that it's become too safe even. I've talked to you before about how things could very well be in safety overboard mode in real estate. Now here we talk about providing clean, safe, affordable and functional housing. But she should need GFCI outlets all over the place in your property, and carbon monoxide detectors and fire rated doors, even when their improvement to your safety is negligible.   Keith Weinhold (00:37:32) - American society at large is so ultra safe and in fact, there's even a term for this now it's called safety ism. Yeah, look it up. It's how excessive safety is becoming harmful to society. When you are on your last passenger plane flight at night and you just wanted to take a nice nap, or you wanted to get some sleep, did the pilot come on to the intercom system and wake you up, telling you to sit down and put your seatbelt on every time? Just a small amount of turbulence was being felt. Oh, there are endless instances like that where society's gotten so safe that it's just annoying. The last time that I was shopping at Lowe's, the home improvement store, a forklift driver was slowly driving the aisles really carefully. And besides just the forklift driver sitting on the seat, there was a second man, a flagger, that was out in front of him, walking, holding two little flags. So the shopping customers knew that a forklift. This coming. Like, that's such a wild hazard to human safety.   Keith Weinhold (00:38:37) - I mean, gosh, the gross inefficiency of that just to improve safety ever so slightly. Construction workers that have to wear hard hats outdoors in an open field. I mean, our society has become Uber safe. Now, don't get me wrong, some measure of safety is definitely a good thing, but I'm underscoring the fact that historically, this world that you're living in is ultra safe and ultra certain. And then within our investing world, take a look around what can be said to be certain and uncertain. Apple. They're the world's largest company by market cap at about $3 trillion. And their risk is that eventually they might fail to keep innovating. How about Bitcoin? Bitcoin could have government crackdowns or some other lack of certainties, their money in the bank and owning Treasury bonds. All right. That's fairly safe and certain. But you aren't getting any real yield there. And in a world that feels more uncertain and unsafe than it really is, bring it back to the positive attributes of being a real estate investor here.   Keith Weinhold (00:39:46) - You know, monetary inflation is a near certainty, and so is the fact that people will pay you rent if you put a roof over their heads. Certainty. It helps to be mindful that safety is the opposite of freedom, and that having security is the opposite of having opportunity. Hey, well, speaking of opportunity, join our investment coach Norris for Grizz Live event that is to night. You can join from the comfort of your own home. You get to select from one of the two options for Florida Income property. You can select either a 5.75% mortgage rate or the 224 program, which means two years of free property management. 2% of the purchase price. In closing cost credit to you and a generous $4,000 lease up fee credit. Sign up. It's free. It's our live event tonight, the 27th at 8:30 p.m. eastern, 530 Pacific. If you're a few days late, be sure to watch the replay soon. register@webinars.com to have a chance at putting some new Build Florida Income property in your portfolio.   Keith Weinhold (00:41:00) - Until next week, I'm your host, Keith Winfield. Don't quit your day dream.   Speaker 5 (00:41:08) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively.   Keith Weinhold (00:41:36) - The preceding program was brought to you by your home for wealth building. Get rich education.

Katie Lacey is a board member for Designer Protein and a founding member of The Band of Sisters, a consulting firm helping leaders leverage diversity to build inclusive and productive cultures. With expertise in brand strategy and consumer insights, she is a professional with more than 28 years of experience driving the growth of various companies and managing large-scale company turnarounds.  As the former President and CEO of Crane Stationery, she led a management buyout, returned the business to profitability, accelerated e-commerce investment, and acquired Crane's largest competitor, which led to its acquisition by an industry competitor. Before Crane, Katie was the Senior VP at ESPN and held various executive marketing roles at PepsiCo for 13 years. In this episode… Effective business leadership comes in various forms and requires diverse skills and approaches. Leaders who have worked in different companies and industries bring unique insights, particularly those with experience with global brands. Their ability to manage multiple stakeholders, navigate cultural differences, and respond to changing market conditions is essential in today's business environment, where agility and responsiveness are critical to success. Katie Lacey has had an illustrious and diverse career and has amassed a wealth of experience she's refined over the years. Her multifarious background has given her a unique perspective on leadership. Throughout her career, Katie has held leadership roles across various industries, including beauty, fashion, and retail. Her extensive experience has allowed her to develop a versatile and effective leadership approach. Through her work with The Band of Sisters, Katie shares her insights and mentors other women, helping to empower them in their careers. At this career stage, she is dedicated to giving back and sharing her knowledge with others to help them adapt their leadership styles. In this episode of Next Wave Leadership, Dov Pollack talks with Katie Lacey, a board member for Designer Protein and a founding member of The Band of Sisters, to talk about leadership and lessons from her career. They discuss the importance of a first boss, assessing employee reviews, combatting lazy language, and bringing your whole self to work. They also touch on her experience at male-dominated companies and her current work with The Band of Sisters.

Barstool Radio is back and hosted by Kevin Clancy, John Feitelberg, Tommy Smokes & Pat McAuliffe. Get inside and stir up the Barstool drama every day. ++++++++++++++++++++++++++++++++++ Support our sponsors Stacker2 Energy Go to https://Stacker2.com/Barstool for your Barstool Bite Back Special. Get $5 bucks off your purchase OR $5 bucks worth of free product. Rhoback Kick your holiday season off right and use the code “RADIO” on https://Rhoback.com for 20% off your first purchase through the end of this week. Rent.App Head to https://Rent.app/barstool for $50 off your first rent payment and download Rent app in the App store today ++++++++++++++++++++++++++++++++++ Timestamps 0:00 Intro 3:30 Pat got stuffed over Thanksgiving break 13:30 Gaz joins to discuss who didn't post for Black Friday 25:30 Dave jumps on and names names 54:30 Tommy Smokes' last chance at Forbes 30 Under 30 Check out Barstool Sports for more: http://www.barstoolsports.com Follow Barstool Sports here: Facebook: https://facebook.com/barstoolsports Twitter: https://twitter.com/barstoolsports Instagram: http://instagram.com/barstoolsports

Fran McNulty reports from Tel Aviv on the latest on the middle east conflict

With the big game coming up this week with Ohio State vs Xichigan the goons dive right into the madness of the weekend to lead y'all to victory as they present you their picks for the upcoming hockey and football games this weekend! Tail the goons and let's all come out this weekend with full beers and crushed parlays in Dale Jrs name we pray.. Presented by Betjack Sportsbook 21+ OH residents only can sign up for Betjack Sportsbook, scan the QR code and tag along with the goons! Gambling Problem? 1-800-GAMBLER Support the Podcast Below MERCH https://boogereduppodcast.com Links to all social media https://linktr.ee/BoogeredUpPodcast?fbclid=PAAabmut6sVnsjEk4FPBc5nDdmqXh3cXc7JeZJ8JfR6LRoMvvtbRvM6tlxYN4

How to Jump from Stuck to Stellar with Lysa Miller In this transformative episode of 'Look for the Good', we dive into the art of breaking free from life's standstills with Lysa Miller, the visionary founder of Ladybugz Interactive. Have you ever felt paralyzed by uncertainty, trapped in the limbo of indecision? You're not alone. Lysa brings a refreshing perspective to this universal challenge. Discover Lysa's empowering philosophy: Action breeds clarity. Learn how taking even the smallest step can ignite a journey of progress and self-discovery. Lysa reveals how, through embracing her authenticity and shedding the weight of others' expectations, she not only liberated herself but also catapulted her business to new heights. Join us for an episode brimming with heartfelt stories and actionable insights. Whether you're a budding entrepreneur or someone seeking personal growth, Lysa's experiences offer a beacon of hope and inspiration. Don't miss this chance to find out how you, too, can turn a moment of stagnation into a pathway to success and fulfillment. Tune in to 'Look for the Good', where we unravel the blueprint to thriving in business and life with Lysa Miller. Let's embark on this journey of becoming unstuck, together. Tune into Episode 42 on Monday November 20, 2023 at 5am and 5pm ET to hear all the insights for getting unstuck. BIO: Lysa Miller is the founder of Ladybugz Interactive in Hudson, MA, a digital agency specializing in startup and growing companies in biotech, non-profit and B2B.  She has made the cover of the Boston Business Journal's Book of Lists, named Women-Owned Agencies to Watch out for by Agency Vista, recognized by Cloudways as a top-ten women-owned agency, and in 2023 named in the top 3 women-owned agencies the US by Clutch.co. In just over two years Miller has built a digital agency with over 50 biotech, non-profit, and B2B clients. Miller is active in the local community as a board member of Fresh Start Furniture Bank and an elected corporator at Main Street Bank. Find out more about their amazing agency and how to work with them at www.Ladybugz.com Learn More about Carrie here: https://carrierowan.com/

Colter Nuanez is joined by Brooks Nuanez (3:40) to talk about the ebbs and flows of the mindsets of fan bases based on rivalry results, the arch of the Montana-Montana State rivalry in its current iteration, the Griz excelling at Bobby Hauck's system, flexibility when it comes to bouncing back, Montana State's meltdown and why Sean Chambers didn't play. Colter is joined by Andrew Houghton (38:30) to debate All-Big Sky Conference lists and awards plus UC Davis's snub from the FCS Playoffs field. Colter is joined by Ty Gregorak (1:22:30) to talk about the unnecessary vitriol behind the Cat-Griz rivalry, his experience in Missoula, how the Griz have been able to become a completely lights out defense and what the playoff futures might hold for both UM and Montana State. 

In episode 13 Owen and JessicaRose share their top 8 British Film Lists plus we explore the Top 8 according to imdb and dive into a list shared by a listener of the show. Thank you Lynne for sharing your top 8 with us.  Head over to instagram to vote for your fav list top_8_media⁠⁠ .  What movies hit top spot?. Where will trainspotting, love actually and dunkirk land on the lists? Your top 8 movie based lists are what make the pod work so send them over via DM on Instagram at ⁠⁠top_8_media⁠⁠ . This is a weekly podcast all about movies featuring top 8 lists from our listeners & the industry. Send us your top 8 via DM for our cohosts to discuss.

Hey Knuckleheads, we talk Thanksgiving traditions from around the world and lists of Thanksgiving dishes yays and nays...   ⁠⁠ApplePodcast ⁠⁠(PLEASE!! rate, review and subscribe) ⁠⁠Spotify!⁠⁠ ANYWHERE YOU LISTEN TO PODCASTS! Reach out to us if you need an ad or review of something! ⁠⁠Follow us on Twitter!⁠⁠ Email us! ⁠⁠MERCH!!!⁠⁠ Check out our Maker Channel on YouTube! Thesupermakerbros. ⁠⁠https://www.youtube.com/thesupermakerbros⁠⁠

Here are 21 things that are adding value to our lives every day! Jonathan's List 1. Clean Logic Body Scrubber: https://amzn.to/3u5YEeT   “Burpees can get your knees dirty, and this sucker does a great job of keeping me clean.” 2. Stance Low Profile Run Socks: https://amzn.to/40qYElD  “Who doesn't like a high-quality, comfortable pair of socks?” 3. Soundance Laptop Stand: https://amzn.to/3QMkPyz  “This thing saves my neck when I'm spending long hours coaching on my laptop.” 4. Amoji Rain Boots: https://amzn.to/3u2UbJX  “It gets muddy out in the country, so having these helps my training shoes last longer.” 5. Cosori Air Fryer: https://amzn.to/3Sqpd8N  “Cooking got 100% simpler when we got this bad boy.” 6. Packing Cubes: https://amzn.to/3MyRy93  “I fought Blakley on these, but it turns out… They're awesome.” Haley's List 1. Ninja Creami: https://amzn.to/3sGJUmr “I finally caved and got this about 2 months ago. It 1000% lives up to the hype! Protein ice cream?! Say no more!” 2. CRZ Yoga Fleece Lined Leggings: https://amzn.to/3MVdZFx “These are a must-have for me in the winter. They are super warm and comfortable." 3. Rice Cooker:  https://amzn.to/3Ga3A57 “I have no idea why it took me so long to get this. It changes the game in EVERY way! It will save you so much money and time.” 4. Clean Simple Eats Protein Powder in coconut cream:  https://amzn.to/46pqT5I “When I make my protein ice cream with the Ninja Creami I love adding this flavor protein powder. YUM!” 5. Knock Around Sunglasses:  https://amzn.to/3MW4Uwq “These are the best sunglasses I have found for a great price that really stay in place when you are out adventuring! So many cool colors and designs.  My fav design is Coyote Calls” 6. Osprey Water Bladder: https://amzn.to/3uslCgB “Getting a bladder that opens and closes at the top will make your life so much easier.” 7. Vans UltraRange Training Shoe: https://www.vans.com/en-us/shoes-c00081/ultrarange-exo-shoe-pvn0a4u1kblk “These have been my training shoes for the past year (if you are training in a running shoe you better switch to a flat sole!) They are comfortable and look great outside the gym too!” Blakley's Lists: 1. Espresso Maker: https://amzn.to/40SGqtM “Coffee game UPGRADE!” 2. Glute Bench:  https://www.bcstrength.com/products/glute-bench “Do you want glute gains… if the answer is YES you need this!” 3. Walking Pad:  https://amzn.to/49MCvm8 “We use this DAILY!  For warm ups, for accumulating steps, for running in metcons… we love it!” 4. Wooden Gymnastics Rings: https://www.roguefitness.com/rogue-wood-rings “If you are working on your pull up game or want to strengthen your pulling and back muscles… these are great too for your gym arsenal.”  5. Workout Journal + Fun Pens:  https://amzn.to/3Rdsfwc + https://amzn.to/3sGKIaX “I am old school when it comes to journaling my workouts.  J got me this journal last year and I really like it!  Fun pens just make it more … fun too.” 6. Slam Ball: https://amzn.to/49OmzQs “I wish every client had a slam ball in their equipment list.  Cheap.  Easy to use.  Great for conditioning.”  7. Hip Circle:  https://amzn.to/3sNSpvV “This is a go-to for warm ups or finishers to add a bit EXTRA to your glute strength.”  BONUS - Concert Tix to the 30 Seconds to Mars tour  “Are you not entertained?!!” YOU WORK HARD, YOU DESERVE RESULTS Here at Digital Barbell We Help People Finally Look Like They Work Out We combine the best of Strength Training, Body Building and CrossFit to get you the BEST RESULTS OF YOUR LIFE! Training Programs + Nutrition Coaching That Works From Coaches That Care Custom Training: https://www.digitalbarbell.com/custom-training Custom Nutrition Coaching: https://www.digitalbarbell.com/nutrition-framework Be sure to download all of our FREE Training Programs & Nutrition Guides https://www.digitalbarbell.com/free Find us on DigitalBarbell.com

Holmberg's Morning Sickness - Brady Report - Wednesday November 22, 2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Talkin Bout...Podast On today's show we get into what everyone's been talkin bout this week, which is Swerve getting a push in AEW, why that is significant for them and for him. Swerve's match with Hangman Page at AEW Full Gear stole the show but all the conversation around Swerve hasn't been positive as some of his old comments have resurfaced and caused a stir in the Black Internet Wrestling Community. Is this conversation good for wrestling, bad for wrestling? Lets talk about it! Peace and Love, TW

Age of Sigmar Stats Centre: Discover the rapidly evolving meta lists by The Honest Wargamer

THIS IS A MUST-LISTEN!!!!! Holiday edition of the podcast always brings the joy and laughter. ENJOY! KrisCross Corner is the exclusive Detroit-based podcast with Kris Canty and the Great Debaterz. Join the crew as they talk about interesting topics, current events, and more! Kris will also try to get your brains working with some Top 10 Lists of Random topics. Watch the podcast on YouTube! Support the podcast here: anchor.fm/kriscrosscorner/support  Watch the podcast here: www.youtube.com/@kriscrosscorner  Listen to the podcast here: https:// open.spotify.com/show/21S54f6JNK3mxkVkVgGAxH --- Send in a voice message: https://podcasters.spotify.com/pod/show/kriscrosscorner/message Support this podcast: https://podcasters.spotify.com/pod/show/kriscrosscorner/support

In this week's episode, Jen teaches Pete about the ways she uses people, places, positions, and purpose to create target lists.Specifically, in this episode Jen and Pete talk about:Why might it be important to make target lists?What are some tactics for discovering people and places that you might want to add to your target lists?How are the lists for each category different? And how might they overlap?To hear all episodes and read full transcripts, visit The Long and The Short Of It website: https://thelongandtheshortpodcast.com/.You can subscribe to our Box O' Goodies here (https://thelongandtheshortpodcast.com/) and receive a weekly email full of book and podcast recommendations, quotes, videos, and other interesting things that Jen and Pete are noodling on. To get in touch, send an email to: hello@thelongandtheshortpodcast.com.Learn more about Pete's work here (https://humanperiscope.com/) and Jen's work here (https://jenwaldman.com/).

Media theorist, Liam Cole Young, on the darkest kind of list and listmakers, as well as the explosive effect on intellectual life of one short list created by the Argentine writer, Jorge Luis Borges. (RPT)

In Hour 1, Andy and Randy discuss the Georgia win and how impressive Carson Beck has been, the Falcons naming Desmond Ridder as the starting QB moving forward, and the biggest results from the College Football weekend.

In episode 12 Owen and JessicaRose share their top 8 War / Military Film Lists plus we explore the Top 8 Highest Grossing and dive into a list shared by a listener of the show. Thank you Michael for sharing your top 8 with us.  Head over to instagram to vote for your fav list top_8_media⁠⁠ .  What movies hit top spot?. Where will 1917, Saving Private Ryan and Hackshaw Ridge land on the list? Your top 8 movie based lists are what make the pod work so send them over via DM on Instagram at ⁠⁠top_8_media⁠⁠ . This is a weekly podcast all about movies featuring top 8 lists from our listeners & the industry. Send us your top 8 via DM for our cohosts to discuss.

Lists are created to be criticized. That's what I do to the first date list that circulated around the internet in Fall 2023. I agree, disagree, and try to make sense of all twenty-eight (28) date ideas/locations on this list. --- Support this podcast: https://podcasters.spotify.com/pod/show/nostringswithrell/support

On this episode, we learn Poe is not having much of a Thanksgiving Holiday because he is just as much of a workaholic a Bear is. Lists, UD Terms, and Much More follow along with the Thanksgiving Week edition of Poe and Bear Show Episode 57

This week, your friends Count Vardulon and DM watch two movies set on K2, the savage mountain. K2 is more tense drama than action movie but it's still totally worth your time. Vertical Limit is all action and probably not worth your time if we're being honest. Tune in for a video game recommendation, and stay to find out what DM is watching on TV.

As always, our annual Best in Beer issue includes different perspectives. Our subscribers and listeners—that's you!—have spoken, and we've compiled your votes for the Reader's Choice lists, including your Top 25 Beers (https://beerandbrewing.com/best-in-beer-2023-readers-top-25-beers-of-2023/). Plus, our Craft Beer & Brewing Best 20 Beers in 2023 (https://beerandbrewing.com/the-best-20-beers-in-2023/) are the culmination of a year of blind tasting by our review panel and then by our editors, achieving an internal consensus on beers of the greatest character and technical excellence. However, this issue also is a chance for some of our writers and editors to sound off a bit, as we share our favorite beers and highlights of the past year. No blind tasting here—for these hedonistic picks, we fully embrace the contexts in which we enjoyed these beers. That's the idea behind our Best in Beer Critic's Lists, and those are what we explore in this special, once-per-year episode. Featuring thoughtful (and at times heartfelt) takes from Alex Kidd, Kate Bernot, Stan Hieronymus, Courtney Iseman, and Joe Stange—for Jamie's, be sure to read the print edition—these lists give us the chance to spotlight many more of the most enjoyable beers and drinking experiences of 2023, as well as some thoughts on the state of the brewing industry and beer culture today. This episode is brought to you by: G&D Chillers (https://gdchillers.com): For years G&D Chillers has chilled the beers you love, partnering with 3,000+ breweries across the country along the way. Reach out for a quote today at gdchillers.com (http://www.Gdchillers.com) or call to discuss your next project. BSG Craft Brewing (https://Bsgcraftbrewing.com/): BSG and HVG bring you Amira. With its classic hoppy, slightly herbal, and zesty lemon aromas it's the ideal hop for those looking to capture the traditional flavor of a classic German lager. Visit BSGCraftbrewing.com to learn more. Old Orchard (https://www.oldorchard.com/brewer): Old Orchard's new brewing customers often mention discovering Old Orchard through the word-of-mouth recommendation of another brewer. To join the core of Old Orchard's brewing community, learn more at oldorchard.com/brewer (https://www.oldorchard.com/brewer) ProBrew (https://www.probrew.com) The ProFill series of rotary can fillers from ProBrew are accelerating plant production everywhere. For more information, visit www.probrew.com or email contactus@probrew.com. Omega Yeast (https://omegayeast.com): Thiolized yeast are a new tool for brewers to bring intense guava and passionfruit aromas out of your malt and hops. And wait, there's more! Omega Yeast makes yeast-to-order with a consistent one week lead time ensuring peak freshness and reliability. Colorado Craft Beer Summit (https://cacraftbeersummit.com). Join the craft beer community in Sacramento March 12-14 for the California Craft Beer Summit. Bring your entire team from production to marketing to hospitality–there's something for everyone. Early bird registration on sale now through Dec 22 at cacraftbeersummit.com The Perfect Purée (https://perfectpuree.com/beer): The Perfect Purée is offering a free sample box of their frozen fruit purees, concentrates and blends to professional brewers. Choose from 40 plus flavors and build a free sample box at perfectpuree.com/beer. Complimentary to professionals only. Yakima Chief Hops (https://www.yakimachief.com/pink-boots-blend): The 7th Annual Pink Boots Blend is now available for pre-order! $3 of every pound of the Pink Boots Blend purchased will be donated to the Pink Boots Society, a nonprofit organization that support women and non-binary individuals in the fermented and alcoholic industry through education. Learn more at www.yakimachief.com/pink-boots-blend

This episode covers the alternative to to-do lists that 10xes productivity (Replay Dec 2021)Want To Quit Your Job, Build Your Own Business, And Travel / Impact The World?Check Out The Action Academy Community / Schedule A Free Intro CallLearn How To Buy Real Estate & Businesses In 5 Minutes Per Week:Join Our Weekly Newsletter Follow Me As I Travel & Build:Twitter @theactionpodIG @brianluebbenTiktok @brianluebben

In episode 11 Owen and JessicaRose share their top 8 Musical Film Lists plus we explore the Top 8 Highest Grossing and dive into a list shared by a listener of the show. Thank you Lynne for sharing your top 8 with us.  Head over to instagram to vote for your fav list top_8_media⁠⁠ .  What movies hit top spot?. Where will Mamma Mia, The Greatest Showman and Les Mis land on the list? Your top 8 movie based lists are what make the pod work so send them over via DM on Instagram at ⁠⁠top_8_media⁠⁠ . This is a weekly podcast all about movies featuring top 8 lists from our listeners & the industry. Send us your top 8 via DM for our cohosts to discuss.

Holmberg's Morning Sickness - Brady Report - Thursday November 16, 2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever considered having a preferred partner list? It's a list of valuable people who can aid in helping make your own client's lives better. Tune in to hear why preferred partner lists matter! INSIDE THIS EPISODE

For episode 92, my homie Tamyia stops by the studio to chop it up with me about trending topics and celeb news! So if you're ready to enjoy an entertaining convo where we chat about celebrities and their business….Be sure to check out this episode! You'll be thoroughly entertained! —————————————————Ep  92“ What's Good Candi “ The first date lists x Hov says take the money x Ashanti & Nelly spin the block + More  is now available for your listening pleasure. —————————————————— Remember to subscribe, download, leave a comment, rate this podcast and SHARE. xo- Candi HussleEngineered by Ronnie Location: Patchwerk Studio Atlanta, GA Follow On Social MediaInstagram: @DopeChickWithAmbitionPersonal Instagram: @CandiHussleTwitter: @DCWAPodcast

KrisCross Corner is the exclusive Detroit-based podcast with Kris Canty and the Great Debaterz. Join the crew as they talk about interesting topics, current events, and more! Kris will also try to get your brains working with some Top 10 Lists of Random topics. Watch the podcast on YouTube! Support the podcast here: anchor.fm/kriscrosscorner/support  Watch the podcast here: www.youtube.com/@kriscrosscorner  Listen to the podcast here: https:// open.spotify.com/show/21S54f6JNK3mxkVkVgGAxH --- Send in a voice message: https://podcasters.spotify.com/pod/show/kriscrosscorner/message Support this podcast: https://podcasters.spotify.com/pod/show/kriscrosscorner/support

This week on the ‘Let's Get Some Perspective' edition of The Black Psychologist Podcast, we react to the social media gender war lists “28 Places Women In 2023 REFUSE To Go On A First Date vs things Men REFUSE to pay for we are not married” and Restaurants now charging customers a fee for 'bad parenting'

Guest: Dr. Amy Gajaria, psychiatrist at the Centre for Addiction and Mental Health (CAMH) Wait times of up to two years. There are not enough publicly funded therapists. Emergency rooms are overwhelmed by children in crisis. Ontario's child and youth mental health system is at a breaking point. The Mental Health Commission of Canada reports that mental illness affects more than one million children and youth in the country. And while the provincial government has stood up and started to take notice with new funding announcements this year, there remain simply not enough resources to help young people suffering from mental illness. As part of The Kids Aren't All Right series, Kenyon Wallace – who wrote on mental health and children – speaks with Dr. Amy Gajaria. Audio Sources: CBC News This episode was produced by Paolo Marques, Brian Bradley and Kenyon Wallace.

https://vimeo.com/883588545?share=copy https://www.currentfederaltaxdevelopments.com/podcasts/2023/11/11/2023-11-13-irs-completes-inflation-adjusted-number-lists-for-2024  This week we look at: Inflation adjusted numbers for 2024 issued by the IRS Minor revisions made in final BOI FinCEN Identifier rules The IRS issues its second ERC-related GLAM, this time taking aim at OSHA related partial shutdown theories If a Notice isn't binding on the courts, does that mean we can just pretend it doesn't exist when advising our clients?

I am putting out this episode, a first in a brief series before the end of the year (and end of the season), and before a wonderful change to the podcast that will begin at the start of 2024. Each of the episodes will be a small exercise - each can be as easy or involved as you want them to be. This one is about looking backward. Think about a week in 2023 where you felt your very best - work week, vacation week, whatever. We'll examine what things occurred that caused that great feeling. What did you say yes to? What did you say no to? Did you have a lot of engagement, or very little? I hope you enjoy this episode and the journey to help connect to your best self. Stacie More episodes at StacieBaird.com.

Subscribe to Receive Venkat's Weekly Newsletter In the Spring of 2023, Tom conducted a special workshop at Westhill High School. In this episode, we talk to Tom & 3 Students, Melissa, Anne and Chelsea, from the Workshop, Motivated by his experiences and based on our discussions, Tom decided to pilot a workshop for rising seniors using episodes from this Podcast to build college lists. On our podcast, Tom talks about Why he created the Workshop, its structure, the content, Classroom discussions, and 3 Students share their experience with the Workshop. (If you would like the Podcast-based Workbook, please email podcast@almamatters.io.) In particular, we discuss the following with them:  Need for the Workshop Workshop Details Use of Podcast Stories Students' Feedback Topics discussed in this episode: Introducing Tom Stepkoski & Seniors, Westhill High School [] Hi Fives - Podcast Highlights [] Workshop Objectives [] 4 1-Hour Sessions [] Prepping for the Workshop [] Selecting Students [] Classroom Setup [] Student Interactions  [] Enhancements for Next Workshop [] Calibrating/Tracking Students Progress [] 3 Students Share Their Feedback [] Closing Thoughts [] Our Guests:  Tom Stepkoski is the Career and College Counselor at Westhill High School in Stamford, Connecticut. In addition, Tom also runs Tom Step Coaching for Personal Development. 3 Current Seniors from Westhill High School - Melissa, Ann, and Chelsea. Memorable Quote: “And they [students] take advice from their peers a lot faster and a lot quicker and absorb it a lot better than they would when they get the advice from a parent, a teacher or an educator. So the fact that you have students on, talking about their experiences on College Matters [Alma Matters], I think it resonates with that. Would you say that ladies?” Tom Stepkoski. Episode Transcript: Please visit Episode's Transcript. Recommended Episodes: College Experiences Calls-to-action: Follow us on Instagram. To Ask the Guest a question, or to comment on this episode, email podcast@almamatters.io. Subscribe or Follow our podcasts at any of these locations:Apple Podcasts, Google Podcasts, Spotify.

Hang out with Sandy and Terry as they go through Rolling Stone's 100 Greatest TV Theme Songs of All Time! From Seventies sitcoms with expository jams to modern prestige classics with experimental scores, from 'Sanford and Son' to 'Succession,' from 'Match Game' to 'Game of Thrones.' Will your favorite make the list? Enjoy, and get to humming.The PAGE International Screenwriting Awards sponsors the WRITERS' HANGOUT.Executive Producer Kristin OvernCreator/Producer Sandy AdomaitisProducer Terry SampsonMusic by Ethan Stoller 

This week we look at: Inflation adjusted numbers for 2024 issued by the IRS Minor revisions made in final BOI FinCEN Identifier rules The IRS issues its second ERC-related GLAM, this time taking aim at OSHA related partial shutdown theories If a Notice isn't binding on the courts, does that mean we can just pretend it doesn't exist when advising our clients?

A continuation of the clean living, non-toxic conversation. For previous shows leading up to today's in-depth brand and product list, listen here: ATC 357: Non-Toxic Insanity, How to Keep Your Cool and Healthy Balance + Budget Around Clean Living OMM 11: Navigating ‘Non-toxic' Part 1 Everything on our list can be found (ongoing, forever) at […] The post OMM 12: Navigating ‘Non-Toxic' Part 2 – Lists and Products first appeared on Endurance Planet.

In this week's episode of PorchTlk Podcast Ezra, Eric, and Morgan talk about: If you have any health issues how soon would you bring that up when dating someone? (1:24) Do we have a bucket list? If so what's on it?: (7:32) How soon do you start to send out your Christmas list? Who do you send your Christmas list to?: (13:38) When asking someone out or setting a wedding date, do you think about where your anniversary will fall in comparison to other holidays or birthdays?: (23:50) What are the pros/cons of setting up your friends and coworkers to date?: (35:50) Top 5 things you would never gift someone: (45:02) Post Topics real ones only talk: (58:15) -Ezra's house cleaning experience and his day at the DMV Music & TV Recommendations: (1:02:42) All the links you could ever need!: https://linktr.ee/porchtlk Merch Link: https://porchtalk.creator-spring.com/ Use our special link https://zen.ai/-qQ4-pR3Kb0Vl4ZwOR6iDw to save 30% off your first month of any Zencastr paid plan. PorchTlk Podcast, is a podcast about 3 young adults who take a deep dive into everyday matters with their unapologetic and diverse perspectives. We cover current events, life advice, relationship advice, comedy, finances, dating advice, sports, and everything in between!

Scholars!!!!!!!!!! The Bros are back this week with their TOP 5 list on a Variety of topics!!! Tune in to see if you agree with the Bros on their list of Top 5 lists!! Like, Share, Subscribe!!!! ​⁠

As teachers, our To-Do list can get to be a mile long and be a source of serious stress. One of the reasons that teachers are so mentally drained and burned out is because of the overwhelming amount of work we have to do. And it's because you have an incredible mental load that you are carrying—the load that maybe not everyone sees, the anticipation of other people's needs as well as classroom needs and your own needs. In this episode, we focus on transitioning from the never-ending to-do list to repeatable and automated systems to reclaim your time, energy, and capacity. We'll share three essential steps that will allow you to work within your contract hours and live your best life inside and outside of the classroom without sacrificing effectiveness or efficiency. From prioritizing tasks to delegating and automating, this episode provides actionable steps to reduce workload and stress levels. So, if you're ready to take control of your teaching experience and find a better work-life balance, this episode is for YOU!HEAD OVER TO THE SHOW NOTES: teachingmindbodyandsoul.com/episode80

On this week's episode, Ms. Vicky and J.O the King talk about "the lists" circulating social media.Buy your sex toys www.SexTherapyWithMsVicky.comFollow us on IG: Instagram.com/SexTherapyWithMsVickyFollow us on FB: Facebook.com/SexTherapyWithMsVickyEmail us your questions and stories at: SexTherapyWithMsVicky@gmail.com

How to Wholesale Government LISTS for Big Assignment Fees (Step by Step)

This is another listener suggestion, this time from Meg in Las Vegas. They asked if I could do an episode on working cold leads. For this episode, I'm going to assume they mean wedding expo leads, or lists you might get by being referred by a venue or another industry partner. They send you a list of the people they've booked, and you get a chance to reach out to them… but they haven't yet asked for you to contact them. As I started my career in the wedding industry selling magazine ads that came with a mailing list, and I attended countless shows as an exhibitor, this brings me back to my roots!Listen to this new 13-minute episode for ideas that you can use when you get a list from a wedding expo or other source.If you have any questions about anything in this, or any of my podcasts, or have a suggestion for a topic or guest, please reach out directly to me at Alan@WeddingBusinessSolutions.com or visit my website Podcast.AlanBerg.comPlease be sure to subscribe to this podcast and leave a review (thanks, it really does make a difference). If you want to get notifications of new episodes and upcoming workshops and webinars, you can sign up at www.ConnectWithAlanBerg.com Join me at an upcoming event, conference or Mastermind this November & December in Las Vegas, Cincinnati, Alabama and New Jersey. Visit podcast.AlanBerg.com for links and info.

You don't need smart home gadgets to make your home a little smarter. Rosemary Orchard and Mikah Sargent share some clever ways to add automation to your home without the need for smart home accessories. Make a grocery list in Reminders on iPhone Organize cables into mesh bags NFC Tags WiFi QR Code Generator Basic HomeKit Automation if you have a HomePod: Reset the volume daily One Smart Home Gadget recommendation: Smart plug for your Christmas tree/holiday lights/entryway lamp! The best Apple HomeKit tips and tricks News Apple supercharges Logic Pro with powerful tools for music creation on Mac and iPad Final Cut Pro takes video editing on Mac and iPad to the next level with powerful new features Apple TV+ announces new animated Peanuts feature film project D.C. Unveils Its Newest Solution To Car Theft: Apple AirTags Shortcuts Corner Myles is looking for a way to scan documents for work and home with different output destinations for both. Walt wants to know if it's possible to create a Shortcut that sends a notification based on certain weather requirements.  Feedback & Questions David and Mark reveal that they, too, have experienced Bluetooth dropouts in iOS 17. The signal on Vernon's iPhone 15 Pro Max keeps dropping out and shifting to SOS mode. App Caps Rosemary's App Cap: CardBoard: Board Game Scoring Mikah's App Cap: Premium Prints by Google Photos Hosts: Mikah Sargent and Rosemary Orchard Download or subscribe to this show at https://twit.tv/shows/ios-today. Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit You can contribute to iOS Today by leaving us a voicemail at 757-504-iPad (757-504-4723) or sending an email to iOSToday@TWiT.tv. Sponsor: securemyemail.com/twit Use Code TWIT

You don't need smart home gadgets to make your home a little smarter. Rosemary Orchard and Mikah Sargent share some clever ways to add automation to your home without the need for smart home accessories. Make a grocery list in Reminders on iPhone Organize cables into mesh bags NFC Tags WiFi QR Code Generator Basic HomeKit Automation if you have a HomePod: Reset the volume daily One Smart Home Gadget recommendation: Smart plug for your Christmas tree/holiday lights/entryway lamp! The best Apple HomeKit tips and tricks News Apple supercharges Logic Pro with powerful tools for music creation on Mac and iPad Final Cut Pro takes video editing on Mac and iPad to the next level with powerful new features Apple TV+ announces new animated Peanuts feature film project D.C. Unveils Its Newest Solution To Car Theft: Apple AirTags Shortcuts Corner Myles is looking for a way to scan documents for work and home with different output destinations for both. Walt wants to know if it's possible to create a Shortcut that sends a notification based on certain weather requirements.  Feedback & Questions David and Mark reveal that they, too, have experienced Bluetooth dropouts in iOS 17. The signal on Vernon's iPhone 15 Pro Max keeps dropping out and shifting to SOS mode. App Caps Rosemary's App Cap: CardBoard: Board Game Scoring Mikah's App Cap: Premium Prints by Google Photos Hosts: Mikah Sargent and Rosemary Orchard Download or subscribe to this show at https://twit.tv/shows/ios-today. Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit You can contribute to iOS Today by leaving us a voicemail at 757-504-iPad (757-504-4723) or sending an email to iOSToday@TWiT.tv. Sponsor: securemyemail.com/twit Use Code TWIT

Desire is one of the most demonized characteristics of human behavior. Some schools of thought argue that desire is the cause of all our suffering, and that the path to enlightenment is to become detached from them. Thom sets the record straight in this episode, using the concept of Sankalpa to clarify both the function and importance of desire, and giving us a primer on how to ensure our desires remain relevant to our evolution and aligned with Nature's intention.And if you want to take the subject further, you might also like to explore Thom's online course, The Art of Charm - https://thomknoles.com/charm-course/. This course is open to all graduates of a qualified Vedic Meditation course.Episode Highlights:[00:45] Sangha Kalpa[03:14] Misconceptions About Sankalpa[05:06] The Origin of Desire in Vedic Philosophy[07:13] Buddhism vs. Vedic Worldview on Desire[08:59] Desire and Suffering in Buddha's Teachings[11:12] Authorship of Desire[13:27] Ruchika: The Element of Charm[15:59] Fulfillment as Inner Contentedness[18:29] Charm - Nature's Compass for Desires[21:11] Desires Over Time: The Sankalpa Accumulation[23:13] Transcending Unfulfilled Desires[25:49] Embracing Fresh Desires and Letting Go of the Old[28:22] How Meditation Refreshes Your Desires[30:20] Old vs. New Desires[32:26] Explore the Charm CourseUseful Linksinfo@thomknoles.com https://thomknoles.com/https://www.instagram.com/thethomknoleshttps://www.facebook.com/thethomknoleshttps://www.youtube.com/c/thomknoleshttps://thomknoles.com/ask-thom-anything/