Podcasts about minimize

Are you secretly dodging the doctor's office out of fear it might hurt? You're not alone—and it's more common than you think. In this week's episode of The Skin Real, Dr. Mina dives into the real reasons so many of us avoid care and shares her top five ways to make your next dermatology visit actually less painful. Whether it's fear of needles, past trauma, or just not wanting to be poked and prodded, this episode is packed with tips to help you get the care you need without the panic attack. Key Takeaways: - Fear of the doctor is real—and valid. Many adults experience anxiety around doctor visits, especially when needles or potential diagnoses are involved. - Needle fear is on the rise. It's not just for kids—more adults are reporting anxiety about shots and blood draws. - You're not alone. From biopsies to bloodwork, fear of pain keeps many people from getting necessary care. - Empathy matters. Even as a dermatologist, Dr. Mina admits she still finds blood draws stressful—no one is immune! - Knowledge is power. Understanding what to expect at your appointment can significantly reduce fear. - You can minimize the pain. Simple strategies like numbing patches or distraction techniques can make procedures much more bearable. - Your health is worth it. Avoiding appointments may feel easier, but prioritizing your skin health leads to better long-term outcomes.   If you're building a personal brand, this is for you! Wealthy & Well-Known is the new audiobook from my mentors, Rory and AJ Vaden—and it's available now! It's packed with insights on turning your reputation into revenue.

In the current tech landscape, everyone is experimenting with AI, but when it comes to finance, we tread more carefully. In this episode, CJ is joined by Amy Butte, the CFO of Navan, one of the most AI-forward travel and expense platforms in operation. Amy highlights how the company is weaving AI into its operating system, not just to summarize documents, but to manage financial workflows with real impact. With a career spanning Wall Street and Silicon Valley, Amy also discusses her journey from being the CFO of the New York Stock Exchange to her current role. She delves into her experiences as an audit chair and touches on the challenges and opportunities in building teams and navigating change. She also breaks down the dynamics of the build versus buy debate in the current tech space before sharing anecdotes about her unique experiences at the New York Stock Exchange and her perspectives on being a woman in leadership.—LINKS:Amy Butte on LinkedIn: https://www.linkedin.com/in/amybutte/Navan: navan.com/RunthenumbersExtraordinary Women on Boards: https://www.ewobnetwork.com/CJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: http://mostlymetrics.com—TIMESTAMPS:00:00 Preview and Intro02:59 Sponsor – MUFG | NetSuite | Pulley06:52 Conferences and Networking09:09 How Navan Has Implemented AI12:17 Whose Responsibility Is It To Drive AI Adoption14:50 The Risks Involved in Using AI in Finance15:50 Navan's New Bot “Miles”17:00 Sponsor – Brex | Aleph | RightRev | Navan22:31 The Operational and Financial Impact of Using AI at Navan23:36 CSAT Scores: Humans Versus Bots24:46 AI Within the Finance Department27:37 What an Audit Chair Does32:04 Using the Audit Chair Seat To Influence Business Outcomes33:33 Mentoring CFOs and Unlocking Opportunities As Audit Chair36:29 How To Become a Board Member or Audit Chair38:58 The Role of the Director Versus the Role of the Operator39:44 Building Teams and Empowering People48:48 Build Versus Buy in the Era of AI51:28 Partnering: Collaboration Versus Control53:07 A Story About the Security at the New York Stock Exchange55:36 Meeting the CEO of Merrill Lynch57:43 Leadership and Opportunities for Women in Finance1:00:37 Long-Ass Lightning Round: A Big Mistake1:01:31 Advice to Younger Self1:02:37 Finance Software Stack1:02:55 Craziest Expense Story—SPONSORS:MUFG is a global banking powerhouse that provides comprehensive banking services for VC-backed, PE-backed, and public companies with revenues starting at $40M. Accelerate your growth trajectory. Contact group head Bob Blee at bblee@us.mufg.jp to find out more.NetSuite is an AI-powered business management suite, encompassing ERP/Financials, CRM, and ecommerce for more than 41,000 customers. If you're looking for an ERP, head to https://netsuite.com/metrics and get the CFO's Guide to AI and Machine Learning.Pulley is the cap table management platform built for CFOs and finance leaders who need reliable, audit-ready data and intuitive workflows, without the hidden fees or unreliable support. Switch in as little as 5 days and get 25% off your first year: pulley.com/mostlymetrics.Brex offers the world's smartest corporate card on a full-stack global platform that is everything CFOs need to manage their finances on an elite level. Plus, they offer modern banking and treasury as well as intuitive expenses and accounting automation, bill pay, and travel. Find out more at brex.com/metricsAleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at getaleph.com/runRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit rightrev.com and schedule a demo.Navan is the all-in-one travel and expense solution that helps finance teams streamline reconciliation, enforce policies automatically, and gain real-time visibility. It connects to your existing cards and makes closing the books faster and smarter. Visit navan.com/Runthenumbers for your demo.#Navan #AIFinance #FinancialTransformation #AuditChair #WomenInLeadership Get full access to Mostly metrics at www.mostlymetrics.com/subscribe

Soil and agriculture provide us with something every day. Dara Booher is an agricultural educator with Shenandoah County Public Schools and a farmer-mentor coordinator with the Virginia Forage and Grassland Council and the Virginia Soil Health Coalition. Dara loves talking to youth and others about soil and agriculture. In this episode, Dara shares her enthusiasm for youth education and soil health with Mary, Eric, and Jeff, along with many teaching and demonstration resources (e.g., Enviroscape, Soil Your Undies, etc.) for immersive experiences and classroom fun.Dara recommends the National Agriculture in the Classroom teacher center for lesson plans and a full suite of educational resources. Additionally, Dara encourages farmers to visit the Virginia Forage and Grassland Council's website for farmer-to-farmer networking opportunities.As always, we encourage you to cooperate with other farmers and follow the four core soil health principles: 1) Keep the soil covered -- Cover crops are our friends;2) Minimize soil disturbance -- Practice no-till or gentle tillage in your field or garden as much as possible;3) Maximize living roots year-round -- to improve biodiversity and life in the soil; and4) Energize with diversity -- through crop rotation and/or livestock integration.Yes, soil health is a great conversation starter because we can all be 4 The Soil and for the future!  To enjoy recent 4 The Soil blog posts and additional soil health resources, please visit https://www.4thesoil.org/blog and https://www.virginiasoilhealth.org/. For questions about soil and water conservation practices and outdoor educational activities for youth, call or visit a USDA Service Center, a Virginia Soil and Water Conservation District office, or your local Virginia Cooperative Extension office.  

⚖️ How to Minimize Financial Losses During a Divorce Settlement? | Los Angeles Divorce

Elon Musk, Peter Thiel, Reid Hoffman, Max Levchin, David O. Sacks, Roelof Botha, Chad Hurley, Russel Simmons, and Jeremy Stoppelman are among those considered the “PayPal Mafia”. These are cofounders or early team members of PayPal who went on to found or invest in major tech companies like Yelp, Palantir, YouTube, Facebook, SpaceX, X, LinkedIn, Affirm, Airbnb, and others. In this episode, CJ is joined by Jimmy Soni, bestselling author of The Founders, which chronicles the early years of PayPal. He delves into some of the lesser-known aspects of PayPal's history. He sheds light on Peter Thiel's prediction of the dot-com collapse, why he advocated for the employment of Roelof Botha as CFO at the age of just 26, and his second-chance philosophy for hiring failures. The conversation covers PayPal's “frenemy relationship” with eBay, how they convinced their users to advocate for them, and pivotal moments that influenced their IPO and sale. Tune in for unique insights into one of the most important "seed funds" in tech history.—LINKS:Jimmy Soni on X (@jimmyasoni): https://x.com/jimmyasoniJimmy Soni on LinkedIn: https://www.linkedin.com/in/jimmysoniThe Founders: The Story of PayPal and the Entrepreneurs Who Shaped Silicon Valley: https://www.amazon.co.za/Founders-Paypal-Entrepreneurs-Shaped-Silicon/dp/1501197266CJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: http://mostlymetrics.comRELATED EPISODES:How Upwork CFO Erica Gessert Drove 20 Points of EBITDA Growth in Just 3 Quarters: —TIMESTAMPS:(00:00) Preview and Intro(02:12) Sponsor – Pulley | Brex | Aleph(07:40) Jimmy's Approach to Writing the Book(08:56) An Intro to the “PayPal Mafia”(10:57) The 1998 to 2002 Time Period(12:36) Present-Day Successes of “PayPal Mafia” Members(14:06) Challenges of Interviewing High-Profile Figures(16:06) Sponsor – RightRev | Navan | NetSuite(19:46) Comparisons to Other Influential Tech Groups(21:05) PayPal, YouTube, and the Embed Strategy(23:21) The Company's $20 Referral Program(27:10) Peter Thiel's Prediction of the Dot-Com Collapse(30:48) The Fallout From the Merger That Resulted in PayPal(33:00) The Evolution of PayPal's Business Model(36:58) The Unique Skillset That Roelof Botha Brought to the CFO Role(41:04)) Fraud-Fighting Techniques(43:26) PayPal's “Frenemy Relationship” With eBay(47:10) Challenges Faced by PayPal That Modern Fintechs Still Grapple With(49:13) How PayPal Made Its Users Advocates for the Business(53:44) PayPal's Talent Acquisition and “Misfits” Culture(56:54) Peter Thiel's Talent-Spotting Abilities and Second-Chance Philosophy(1:00:12) The Outcome of the eBay Sale(1:05:03) One of the Most Important “Seed Funds” in Tech History(1:08:07) Advice for Moving From Fast Work To Slow Work(1:11:18) Favorite Behind-the-Scenes Anecdote(1:13:04) The Most Underrated Member of the “Mafia”(1:14:04) One of the Most Pivotal Decisions Made(1:15:03) Wrap—SPONSORS:Pulley is the cap table management platform built for CFOs and finance leaders who need reliable, audit-ready data and intuitive workflows, without the hidden fees or unreliable support. Switch in as little as 5 days and get 25% off your first year: pulley.com/mostlymetrics.Brex offers the world's smartest corporate card on a full-stack global platform that is everything CFOs need to manage their finances on an elite level. Plus, they offer modern banking and treasury as well as intuitive expenses and accounting automation, bill pay, and travel. Find out more at brex.com/metricsAleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at getaleph.com/runRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit rightrev.com and schedule a demo.Navan is the all-in-one travel and expense solution that helps finance teams streamline reconciliation, enforce policies automatically, and gain real-time visibility. It connects to your existing cards and makes closing the books faster and smarter. Visit navan.com/Runthenumbers for your demo.NetSuite is an AI-powered business management suite, encompassing ERP/Financials, CRM, and ecommerce for more than 41,000 customers. If you're looking for an ERP, head to https://netsuite.com/metrics and get the CFO's Guide to AI and Machine Learning.#PayPalMafia #JimmySoni #CAPTCHA #PayPal #fintech Get full access to Mostly metrics at www.mostlymetrics.com/subscribe

In this episode, I explore the difference between the military mindset and the more stealth approach of minimization in cybersecurity. I share the results from the Ghost in the Source Capture the Flag (CTF) challenge, revealing how the winners cracked the AES encryption using dictionary attacks, keyword harvesting and the cipher tool hidden in robots.txt. I discuss why the “assume breach” mentality just leaves the doors wide open, using examples from Kevin Mitnick's 1981 Pacific Bell infiltration to modern ransomware groups like Scattered Spider who breached MGM and Marks & Spencer through social engineering.I also cover practical tactics for using public Wi-Fi, data curation techniques, the invisible surveillance net including Stingray devices, and provide a deep dive into GrapheneOS covering user profiles, app sandboxing, network controls, sensor permissions, and the proper use of sandboxed Google Play services.In this week's episode:Ghost in the Source Capture the Flag challenge resultsThe military mindset problem in cybersecurityStrategic use of public Wi-Fi for account creation and privacy techniquesData curation tactics, and “Minimizing What Can Be Known”Invisible surveillance net and Stingray devicesGrapheneOS discussion on user profiles, app sandboxing, network controls, sensors permissions, sandboxed Google Play services, and security architectureMatrix Community RoomsMatrix Community Space - https://matrix.to/#/#psysecure:matrix.orgIndividual Room Links:https://matrix.to/#/#lockdown-general:matrix.orghttps://matrix.to/#/#lockdown-podcast:matrix.orghttps://matrix.to/#/#lockdown-intro:matrix.orgShow Links:Noam Chomsky on Internet Privacyhttps://www.youtube.com/watch?v=QIWsTMcBrjQNoam Chomsky on Advertising - https://www.youtube.com/watch?v=PfIwUlY44CMTryHackMe Platform - https://tryhackme.comHack the Box - https://hackthebox.comWired Article on DNC Stingray Surveillance - https://www.wired.com/story/2024-dnc-cell-site-simulator-phone-surveillance/IntelTechniques Data Removal Guide - https://inteltechniques.com/workbook.htmlOptery Data Broker Removal - https://optery.comGraphene OS - https://grapheneos.org“We're dragons. We're not supposed to live by other people's rules.”- Hajime Ryudo ★ Support this podcast on Patreon ★

DM “RECIPE GUIDE” to @ COLOSSUSFIT for my free pre logged recipe guides with step by step instructions and a barcode you scan to directly add the meals right into myfitnesspal.Summary of episode:Tracking your food doubles your chance of success with your diet. We know it's important and we need to do it, and perhaps you've tied and failed with logging your food beforeIn today's episode I am going to give you ten pro tips to make logging your food as simple as possible so you can build the habit and reap the rewards. .Listed points:(01:50) Change your mindset(03:52) Reminders/ make it a habit (Get a streak going)(06:36) Pre-made MFP meals (anchor with protein + fiber) Ex. Greek yogurt and berries, chicken and broccoli, eggs spinach etc(09:19) “default meals” that will fit close to perfect (turkey burger, burrito bowls, greek yogurt)(13:00) “default days” - consistent simple fall back meals(14:48) Log even when you go over(17:07) Don't put off “difficult” meals(18:52) Minimize random snacking (Better behavior anyways) “I don't need it”(21:04) Be accountable to the data/ review the dataThanks for listening! We genuinely appreciate every single one of you listening.➢Follow us on instagram @colossusfit➢Apply to get your Polished Physique: https://colossusfitness.com/

In many companies, the CFO is more important than the CEO. And the majority of private equity-backed CFOs are actually not up to par. In this episode, CJ is joined by Scott Engler, of LinkedIn fame, to explain why he believes these bold statements to be true. Scott is the CEO and co-founder of Sync Executive Partners and the co-founder of PE-Xcelerate. He has decades of experience studying, recruiting, and coaching CFOs. He shares insights on the evolving role of the CFO, the many hats they wear, and which they should prioritise. He gives advice on how to navigate your relationship with your CEO, your PE sponsor, and other stakeholders, and provides some social profiling hacks that can help. The conversation covers the benefits of upside-down reviews and why not having a recommendation can be the smartest move, before examining the best way to get a CFO job at a PE-backed company, and how to negotiate equity packages.—LINKS:Scott Engler on LinkedIn: https://www.linkedin.com/in/scottengler/Sync Executive Partners: https://www.syncexecutivepartners.com/PE-Xcelerate: https://www.pexcelerate.com/CJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: http://mostlymetrics.comLooking for Leverage: RELATED EPISODES:So You're Looking for a “Strategic” CFO? Bloomerang's Steve Isom on What That Really Means - CFO of FloQast on Why Finance Teams are Data Curators: “What's in It for Me?” The Art of Storytelling in an IPO - with Monday.com CFO Eliran Glazer: Inside the "Triangle of Doom”: How Great CFOs Navigate CEO and Board Dynamics: —TIMESTAMPS:(00:00) Preview and Intro(02:20 ) Sponsor – Brex | Aleph | RightRev(07:12) How the CFO Role Has Changed Over the Last Decade(12:08) Why the CFO Needs To Drive the Pace(14:49) Why Most Private Equity-Backed CFOs Aren't up to Par(16:36) Sponsor – Navan | NetSuite | Pulley(20:07) The PE-Backed CFO Versus Hypergrowth VC CFO(21:54) How Senior Leaders Are Incented To Play It Safe(26:04) The Operational CFO: The CFO Becoming More of a COO(28:41) Why the CFO Is More Important Than the CEO(32:16) How a CFO Should Prioritize Their Many Roles(34:46) The Importance of Being a Good Storyteller(38:49) What an Upside-Down Review Is(43:46) Why Not Having a Recommendation Can Be the Smartest Move(49:50) The Hardest CFOs Are the Easiest To Influence(55:37) The Art and Science of Managing Your CEO(57:48) Social Styles Hack(1:00:47) Working With Your CEO and PE Sponsor(1:04:08) The Best Way To Get a CFO Job at a PE-Backed Company(1:11:54) The State of Comp for PE-Backed CFOs in This Market(1:13:16) Negotiating Equity Packages(1:15:39) The Biggest Challenge for PE-Backed CFOs Today—SPONSORS:Brex offers the world's smartest corporate card on a full-stack global platform that is everything CFOs need to manage their finances on an elite level. Plus, they offer modern banking and treasury as well as intuitive expenses and accounting automation, bill pay, and travel. Find out more at brex.com/metricsAleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at getaleph.com/runRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit rightrev.com and schedule a demo.Navan is the all-in-one travel and expense solution that helps finance teams streamline reconciliation, enforce policies automatically, and gain real-time visibility. It connects to your existing cards and makes closing the books faster and smarter. Visit navan.com/Runthenumbers for your demo.NetSuite is an AI-powered business management suite, encompassing ERP/Financials, CRM, and ecommerce for more than 41,000 customers. If you're looking for an ERP, head to https://netsuite.com/metrics and get the CFO's Guide to AI and Machine Learning.Pulley is the cap table management platform built for CFOs and finance leaders who need reliable, audit-ready data and intuitive workflows, without the hidden fees or unreliable support. Switch in as little as 5 days and get 25% off your first year: pulley.com/mostlymetrics.#CFO #CEOversusCFO #ChiefFinancialOfficer #PrivateEquity #ScottEngler Get full access to Mostly metrics at www.mostlymetrics.com/subscribe

Partner Jon Forster and Of Counsel John DeStefano will discuss legacy management and how to optimize client outcomes for successful families by using artificial intelligence and BakerHostetler's fintech application, FinClar. The discussion includes real-world examples and success stories of how FinClar enabled families by democratizing data for family use, improving advisor collaboration, promoting clear decision-making and reducing long-term costs. They will also share how tech can foster family communication to ensure that the next generation is best positioned to steward family resources into the future.Key Takeaways:Increase portfolio alpha by finding the untapped value of legacy management.Improve clarity in decision-making by offering digestible data to stakeholders.Increase efficiency in implementation and ongoing plan maintenance.Minimize postmortem administration delays and costs.Equip the next generation to understand and manage the family legacy.Unite financial, legal and tax advisors to form a collaborative ensemble.Questions and comments: jforster@bakerlaw.com; jdestefano@bakerlaw.com

In this eye-opening episode, Sandy digs into one of the most overlooked contributors to rising accounts receivable (AR) in dental practices—abandoning mailed statements too soon. You may be emailing and texting patients about balances, but do you actually know how many patients you're reaching? Sandy breaks down the data and shares real stats from dental dashboards, showing that many practices have incomplete contact info for 20–40% of their patients—and it's costing them tens of thousands. Whether your AR is creeping past $100,000 or you're trying to build a smarter collection system, this episode will help you understand the risks of relying too heavily on tech—and how to create a system that actually works. You'll learn how to: ✅ Evaluate how many patient emails and cell numbers are actually in your system ✅ Set up a multi-step system for statements that includes email, text, and physical mail ✅ Use dashboards like Practice by Numbers to track and improve your data ✅ Minimize collection delays by acting faster and smarter—not cheaper ✅ Understand the real cost of “saving 60 cents” on postage

There's a silent killer lurking in most cash-pay practices—and it's draining your revenue and limiting your impact more than you realize. It's not poor marketing. It's not your clinical skills. It's patient drop-offs—when clients leave before completing their full plan of care. And while it may feel like an unavoidable part of running a practice, the truth is: you can stop it. In this week's podcast episode, I share an inside look at our weekly mastermind group coaching call, where I walk through two lesser-known strategies for dramatically reducing drop-offs. These aren't your typical reminders to “educate more” or “build better rapport.” We're talking about mindset shifts and strategic adjustments that create long-term commitment, starting before the first visit even happens. Also, be sure to scroll down and grab my free resource—“3 Simple Scripts That Turn Uncommitted Prospects Into Fully Committed Patients”, that are designed to help you overcome one of the biggest practice killers: uncertain leads who never convert into loyal clients. If you've ever struggled with patient retention or getting hesitant prospects to fully commit, this resource is made for you. Scroll down to download your free copy now. USEFUL INFORMATION: Check out our course: Cash-Based Practice Freedom 2.0

Are you here right now, or just scrolling through life on autopilot?If you're anything like most hustlers out there, you're juggling 47 things at once. Your brain's bouncing between yesterday's regrets and tomorrow's to-do list. And before you know it… —another day gone, and you barely remember living it.Sound familiar?Well, let me hit you with a truth bomb that might just change the way you hustle:

Task avoidance is the tendency to delay, resist, or ignore certain tasks. Even when we know they're important. Kinda sounds like procrastination, doesn't it? For adults with ADHD, this isn't about laziness or a lack of willpower. It's often rooted in how the ADHD brain processes motivation, emotions, and executive functions… ah yes, those skills used to plan, start, and complete tasks). Join Dave on this short, ADHD-friendly podcast about task avoidance and some strategies and tactics to minimize it in your daily life. **Do you want to work with Dave one-on-one? Go to www.overcomingdistractions.com and book an introductory Zoom chat. Or go directly to Dave's calendar; https://calendly.com/davidgreenwood1/15min  

This Podcast Is Episode 634, And It's About Financial Red Flags Your Construction Company Can't Afford To Ignore As a construction bookkeeper, I've had a unique vantage point, watching countless projects unfold from the first bid to the final payment. While the hammers and blueprints are the visible signs of progress, it's the numbers behind the scenes that truly tell the story of a company's health. And let me tell you, those numbers often whisper warnings before they start screaming.   Small business owners in the construction industry are incredibly busy. You're juggling bids, managing crews, dealing with permits, and ensuring client satisfaction. It's easy for subtle financial warning signs – what I call "red flags" – to get overlooked until they become critical problems. However, ignoring these signals can lead to severe cash flow issues, stalled growth, and even business failure.   Based on what I've observed, here are five common financial red flags that you absolutely cannot afford to ignore, along with practical steps you can take to address them. Red Flag #1: Constant Cash Flow Crises Despite "Profitable" Projects This is the most puzzling red flag for many owners. You look at your profit and loss statement, and it shows a healthy profit. Yet, your bank account is always running on fumes. You're constantly chasing payments, delaying supplier invoices, or juggling funds to make payroll. Why it's a problem: Profit is a theoretical measure of what you've earned over a period; cash flow is the actual money moving in and out of your business. In construction, where you often incur significant costs upfront (materials, labor for the first phase) and payments come in installments (often with retainage held back), it's entirely possible to be profitable on paper but cash-poor in reality. This constant stress impacts your ability to take on new projects, negotiate better deals, and even pay your team on time, leading to low morale. How to fix it: Implement Robust Progress Billing: Don't wait until a project is 50% or 100% complete. Structure your contracts to allow for regular progress payments tied to specific milestones (e.g., foundation poured, framing complete, rough-ins finished). This ensures a steady stream of cash. Aggressive Accounts Receivable (A/R) Management: Send invoices promptly as soon as milestones are met. Have a polite but firm follow-up process for overdue invoices. Don't be afraid to make phone calls. Negotiate Favorable Payment Terms with Suppliers and Subcontractors: While you want to pay your bills on time, try to secure longer payment terms (e.g., Net 30 or Net 45) from your vendors whenever possible. This helps you collect from your clients before your payments are due. Manage Retainage Proactively: Thoroughly understand the retainage clauses in your contract. Track how much retainage is outstanding for each project and aggressively pursue its release as soon as the contractual conditions are met. This money is yours; get it! Build a Cash Reserve: Even a small percentage of profit set aside each month into a dedicated savings account can create a vital buffer for lean times. Aim for 3-6 months of operating expenses. Red Flag #2: Consistently Inaccurate Project Estimates (Leading to Underbidding) Do you frequently find projects ending up significantly over budget, eating into your expected profit margins, or even becoming a loss? Do you often need to inform clients about additional costs? This points directly to issues with your initial estimating process. Why it's a problem: Inaccurate estimates mean you're consistently underbidding, leaving money on the table, or worse, taking on jobs that will inevitably lose you money. This directly impacts your profitability and, by extension, your cash flow, as you're funding the gap with either the cash from other projects or your capital. It also damages client trust when costs unexpectedly balloon. How to fix it: Implement Detailed Job Costing: This is a non-negotiable requirement. For every project, meticulously track all expenses, including labor hours (with specific tasks), material quantities and costs, subcontractor invoices, equipment rentals, permit fees, and miscellaneous expenses. Learn from Past Projects: Conduct a post-mortem analysis after each project. Compare your actual costs to your estimated costs. Where were the discrepancies? Was it materials? Labor hours? Unexpected site conditions? Use these insights to refine your estimating formulas. Categorize and Standardize: Develop a comprehensive system of cost codes for materials, labor types, and activities to ensure accurate and consistent tracking of costs. This consistency makes it easier to track and compare data across projects. Build in Contingency: Always include a contingency fund (typically 5-15% of the total project cost) in your estimates for unforeseen issues, changes in material prices, or minor scope creep. Use Estimating Software: Even simple estimating software can help streamline the process, ensure all line items are considered, and integrate with your accounting system. Red Flag #3: Uncontrolled Material Waste & Loss Are materials constantly going missing or getting damaged on site, or are you consistently buying more than what was initially estimated? This is a direct drain on your project's profitability and your company's cash. Why it's a problem: Every piece of wasted or lost material is money directly out of your pocket. It means you're paying more than you bid, leading to cost overruns. It can also cause project delays while you wait for replacements. How to fix it: Implement Strict Inventory Control: Secure Storage. Designate secure, organized storage areas on job sites for materials when not in use or overnight. Material Tracking System: For larger projects, consider a simple log or spreadsheet to track materials received and used. Regular Site Cleanliness: A clean, organized job site naturally leads to less waste and makes it easier to spot missing items. Careful Material Handling: Train your crew on proper handling and storage techniques for various materials to minimize damage and ensure optimal safety. Accurate Take-offs: Ensure your initial material take-offs (the process of determining the quantities of materials needed) are precise to avoid over-ordering or multiple trips to the supplier. Return Unused Materials: Establish a process for returning unused, undamaged materials to suppliers for credit, where possible. Red Flag #4: Inefficient Labor Utilization & Unaccounted Time Labor is often the most significant cost for a construction company. Suppose your crews are standing around, waiting for materials, traveling excessively between job sites without proper tracking, or simply not as productive as they could be. In that case, your labor costs are likely to be increasing significantly. Why it's a problem: Every idle hour or misspent minute costs you money. Inefficient labor directly reduces your profit margins and can cause projects to fall behind schedule, leading to client dissatisfaction and potential penalty clauses. Unaccounted time can also lead to compliance issues with wage and hour laws. How to fix it: Accurate Time Tracking: Implement a robust system for tracking employee time. This could include mobile apps with GPS features, biometric time clocks, or even detailed paper timesheets, as long as they are managed in a meticulous manner. Ensure all hours (including travel, breaks, and specific tasks) are accurately recorded. Optimize Scheduling & Workflow: Plan daily tasks meticulously. Ensure materials, equipment, and instructions are ready before the crew arrives. Minimize downtime from waiting or searching for tools. Cross-Training: Train your crew members on various tasks. This provides flexibility and prevents delays if one skilled worker is absent or busy elsewhere. Daily Huddles/Toolbox Talks: Begin each day with a brief meeting to review tasks, identify potential roadblocks, and ensure everyone is aware of their role. Regular Performance Reviews: Identify bottlenecks or areas where productivity can be improved. Provide training or reassign tasks as needed. Red Flag #5: Lack of Financial Visibility & Untimely Reporting Are your financial reports always weeks or months behind? Do you rely on gut feeling more than actual numbers to make business decisions? Do you only look at your bank balance at the end of the month? This means you're flying blind. Why it's a problem: Without up-to-date and accurate financial information, you cannot make informed decisions. You won't spot cash flow issues, cost overruns, or unprofitable projects until it's too late. This lack of visibility prevents strategic planning and proactive problem-solving. How to fix it: Invest in Good Accounting Software: QuickBooks Desktop or Online, Foundation Software, or other industry-specific solutions are essential. They automate data entry, generate reports, and track job costs. Maintain Clean Books Consistently: Don't let your bookkeeping pile up. Enter invoices, payments, and expenses regularly, ideally on a daily or weekly basis. This provides a real-time picture. Review Key Reports Regularly: Cash Flow Statement - Review it weekly or bi-weekly to track where your money is going and coming from. Job Costing Reports: Review weekly to compare actual costs against your budget for each project. Accounts Receivable Aging Report: Review weekly to see who owes you money and for how long. Work Closely with Your Bookkeeper: A good construction bookkeeper isn't just a data entry specialist; they are your financial partner. They can provide valuable insights, flag potential issues, and help you understand your numbers, enabling you to make informed, profitable decisions. Identifying and addressing these financial red flags isn't about adding more burdens to your plate; it's about building a stronger, more resilient construction business. By taking proactive steps and staying on top of your numbers, you can turn those red flags into green lights for growth and lasting profitability. Don't let hidden financial issues undermine your hard work on the job site – empower yourself with clarity and control.   About The Author: Sharie DeHart, QPA, is the co-founder of Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on managing the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com    

Join Jason as he explains how the WNBA has evolved into a modern soap opera, albeit a poorly scripted drama. Caitlin Clark is the lead in this soap opera, as both the protagonist and antagonist. Joy Taylor's recent take proclaiming that Clark's fame is thanks to Angel Reese is the current plot that Jason highlights, along with the ever-present Alphabet Mafia policing WNBA broadcasts. Steve Kim joins the discussion to pontificate on the fact that the league doesn't Make America Great Again; Max Kellerman teaming up with Dana White and returning to the media stage for a major boxing match; and Tyrese Haliburton proclaiming he wouldn't change his decision to play through a calf injury that eventually led to a year-long sideline. Last, the NFL seems to deepen ties with Jay-Z. Make sure to tune in to Harmony afterward, as Jason explains why Genesis 12:3 has become a topic of conversation, as well as the ongoing stories in the Middle East. Jason also explains recent spats involving Tucker Carlson, Ted Cruz, and Elon Musk. ​​Today's Sponsors: Relief Factor With Relief Factor, you'll feel better every day, and you'll live better every day. Get their 3-Week QuickStart for only $19.95 – that's less than a dollar a day. Call 1-800-4-Relief Or Visit ⁠https://ReliefFactor.com   SHOW OUTLINE 00:00 Intro Want more Fearless content? Subscribe to Jason Whitlock Harmony for a biblical perspective on everyday issues at https://www.youtube.com/@JasonWhitlockHarmony We want to hear from the Fearless Army!! Join the conversation in the show chat, leave a comment or email Jason at FearlessBlazeShow@gmail.com Get 10% off Blaze swag by using code Fearless10 at https://shop.blazemedia.com/fearless Make yourself an official member of the “Fearless Army!” Support Conservative Voices! Subscribe to BlazeTV at https://get.blazetv.com/FEARLESS and get $20 off your yearly subscription. Visit https://TheBlaze.com. Explore the all-new ad-free experience and see for yourself how we're standing up against suppression and prioritizing independent journalism. CLICK HERE to Subscribe to Jason Whitlock's YouTube: https://bit.ly/3jFL36G CLICK HERE to Listen to Jason Whitlock's podcast: https://apple.co/3zHaeLTCLICK HERE to Follow Jason Whitlock on X: https://bit.ly/3hvSjiJ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the podcast, Jeff Ishee chats with Susan Watkins of Watkins Farms in Dinwiddie County Virginia, a 3500 acre farm growing soybeans, corn, and wheat. Susan shares information about the long history of her family far, their transition to cover crops and no till over twenty years ago, and their approach to cover cropping. She shares about the cost and labor savings that have come from transitioning to these practices. Watkins Farms is located in the Chesapeake Bay watershed, which means conservation practices like no-till planting and the use of cover crops have an impact beyond the soil health of the land itself. Farmers play a key role in improving the water quality in the Bay. You can find more info at: https://farmersforsoilhealth.com/success-stories/seven-generations-of-stewardship-with-susan-watkins/ As always, we encourage you to cooperate with other farmers and follow the four core soil health principles: 1) Keep the Soil Covered -- Cover crops are our friends; 2) Minimize soil disturbance -- Practice no-till or gentle tillage in your field or garden as much as possible; 3) Maximize living roots year-round -- to improve biodiversity and life in the soil; and 4) Energize with diversity -- through crop rotation and/or livestock integration. Yes, soil health is a great conversation starter because we can all be 4 The Soil and for the future!  To enjoy recent 4 The Soil blog posts and additional soil health resources, please visit https://www.4thesoil.org/blog and https://www.virginiasoilhealth.org/. For questions about soil and water conservation practices and outdoor educational activities for youth, call or visit a USDA Service Center, a Virginia Soil and Water Conservation District office, or your local Virginia Cooperative Extension office.  

In this episode of the Econ Dev Show, Dane Carlson interviews Sophia Zheng, Founder and CEO of Bludot Technologies, a startup initially incubated through a unique collaboration with a city's economic development department. Sophia explains how Bludot's innovative platform helps more than 150 communities across the U.S. and Canada retain and expand local businesses through advanced data analytics and digital incentives. She dives into the successful Open Rewards program, a community-wide shop-local initiative, and explores how technologies like AI could further enhance business retention and expansion strategies. Sophia also highlights Bludot's achievements, including recognition in Govtech 100 and AWS GovtechStart, as well as USDA NIFA grants for supporting rural economic development. Like this show? Please leave us a review here (https://econdevshow.com/rate-this-podcast/) — even one sentence helps! Ten Actionable Takeaways for Economic Developers Consider launching digital reward programs to incentivize local spending. Centralize your local business data for effective business retention strategies. Leverage consumer data to tailor shop-local campaigns to specific areas or seasons. Minimize barriers for businesses to participate in city-sponsored programs. Regularly evaluate and track consumer behaviors to measure the impact of your initiatives. Use qualitative consumer feedback to validate program effectiveness. Collaborate with local chambers, business districts, and main streets for increased program reach. Explore targeted incentives to revitalize specific economic zones. Integrate technology-driven solutions to streamline business support and retention processes. Continuously innovate engagement tactics to keep consumers excited and actively shopping locally. Special Guest: Sophia Zheng.

Thanks to our partner PromotivePlanning for taxes shouldn't feel like rolling the dice. In this episode of Business by the Numbers, Hunt walks through how smart shop owners use real data, not hope, to forecast and manage their tax obligations all year long.Why Q2 and Q3 are the real moneymakers for accurate tax forecastingWhen it actually makes sense to buy that truck for the write-offHow and when to adjust your tax estimates (and why it matters)The truth about retirement contributions as a tax strategyCommon mistakes shop owners make by skipping tax planningThanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit www.gopromotive.com.Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Aftermarket Radio Network: https://aftermarketradionetwork.com/Remarkable Results Radio Podcast with Carm Capriotto https://remarkableresults.biz/Diagnosing the Aftermarket A to Z with Matt Fanslow https://mattfanslow.captivate.fm/Business by the Numbers with Hunt Demarest https://huntdemarest.captivate.fm/The Auto Repair Marketing Podcast with Kim and Brian Walker https://autorepairmarketing.captivate.fm/The Weekly Blitz with Chris Cotton https://chriscotton.captivate.fm/Speak Up! Effective Communication with Craig O'Neill https://craigoneill.captivate.fm/

Thanks to our partner PromotivePlanning for taxes shouldn't feel like rolling the dice. In this episode of Business by the Numbers, Hunt walks through how smart shop owners use real data, not hope, to forecast and manage their tax obligations all year long.Why Q2 and Q3 are the real moneymakers for accurate tax forecastingWhen it actually makes sense to buy that truck for the write-offHow and when to adjust your tax estimates (and why it matters)The truth about retirement contributions as a tax strategyCommon mistakes shop owners make by skipping tax planningThanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit www.gopromotive.com.Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Aftermarket Radio Network: https://aftermarketradionetwork.com/Remarkable Results Radio Podcast with Carm Capriotto https://remarkableresults.biz/Diagnosing the Aftermarket A to Z with Matt Fanslow https://mattfanslow.captivate.fm/Business by the Numbers with Hunt Demarest https://huntdemarest.captivate.fm/The Auto Repair Marketing Podcast with Kim and Brian Walker https://autorepairmarketing.captivate.fm/The Weekly Blitz with Chris Cotton https://chriscotton.captivate.fm/Speak Up! Effective Communication with Craig O'Neill https://craigoneill.captivate.fm/

In the last email, I talked about presenting your UX vision to stakeholders and leadership. We looked at how to focus on the value you offer and how to tailor that message to your audience's specific needs. But, successfully driving through your strategy involves more than just a well-crafted presentation. It also needs a strategic approach when you are in the room with those key decision makers.I want to share some additional thoughts on that today.The Problem with Asking PermissionOne common mistake I see is when UX practitioners pitch their strategy as something they need management to sign off on. This can trigger a cautious mindset in people. They might start thinking, "Is this going to cost me money?" or "What are the implications for me?" and the conversation quickly becomes a critique.A Better Approach: Ask for HelpInstead, I recommend going in and asking for their help. Explain your goals clearly. Tell them you're trying to improve in specific areas and deliver on the goals they care about. Then, explain that you believe your strategy is the way to achieve this. Crucially, ask for their perspective. Ask if they agree with your approach and what they think about it.Why This WorksThis approach of drawing them in and asking for their feedback does two powerful things.First, you're appealing to their ego a little bit. You're saying that you value their opinion and believe they can help you. People are generally quite receptive to that.Second, if you can genuinely take on board their comments and tweak your strategy based on their feedback, they've essentially given you permission already. If you've incorporated their suggestions, they are more likely to be happy with it. People like to be consistent with their previously stated views, so it becomes very unlikely they will reject it. Even if you don't apply all their recommendations, having a dialogue about it means they feel a sense of ownership over your strategy.Find Your AlliesIt also helps significantly if you do some preparation before you speak to management. Go and seek allies. These are other people who are excited by your strategy and vision and are willing to support you in your conversations with leadership by saying, "Yes, I'm behind this too." The more voices you have, the more momentum your strategy picks up. This means management is much more likely to approve it. It's really worth trying to create excitement around your strategy before you try to make it official.Start with Design ChampionsWhen looking for potential allies, start with the obvious people. These are the individuals who already value design and UX within your organization. You likely know who they are. Even if they don't use the specific term "user experience," they are certainly affected by the negative consequences of a poor user experience. Typically, these will be people in marketing or customer service.Find Change AdvocatesNext, look for those who are dissatisfied with the status quo. Your best allies are often those who are unhappy with current processes and want things to change. For example, product owners who feel frustrated that the UX team has become a bottleneck, or that you can't contribute as much as they'd like, can often be useful allies.Prepare for ObjectionsWhen you start talking to potential allies, senior management, or any colleagues, you need to be ready for objections. There will be many thrown at you, and you need to have responses prepared. While I won't list every possible objection, here are some common ones you might hear:Red tape: "We need to go through procurement for that." This is especially common in larger organizations.Resource constraints: "We haven't got enough people to do this."Risk aversion: People don't like to do anything different because it might be dangerous.Lack of evidence or data to support your proposed approach.Return on investment (ROI).The objection of others: "That's a great idea, but you'll never get it past so-and-so."Change fatigue: People are tired of changing their behavior.Poor market conditions or economic situation.Broadly speaking, I have three different tactics for these situations:Minimize the impact: Emphasize that what you're proposing will impact others very little. As long as people don't have to do extra work, they are normally more open to change.Stage the rollout: Suggest a trial period. Implement changes in stages while monitoring to ensure they are having the desired effect.Don't ask for anything extra: No extra money, people, or time. This gives people very little room to object since you're not asking anything of them.Be Patient and PersistentWith all of this, you need to be patient and persistent. Don't just make a one-off attempt. Follow up and keep the conversation going with updates and additional information as needed. That's why you want to avoid a situation where management simply says no. By talking about getting their help rather than their permission, you create opportunities to follow up and continue providing information gradually.Stay committed. Perseverance is not only important to achieve your goal. It also shows dedication to your vision. This can persuade people over time that your strategy isn't just a passing idea but something you are committed to and believe is important. It's important to recognize that shifting your role and strategy is a marathon, not a sprint.Next TimeThat's all I want to say about defining your role and strategy for now. In the next email, we're going to look at how you can have a much bigger impact on projects within your organization, even with limited resources. This is where we'll really begin to unpack some elements of that strategy and how it can help you have a bigger impact on projects. But that's for next time.

Dave Rubin of “The Rubin Report” talks about how Gavin Newsom's latest lie-filled speech addressing the ICE riots in Los Angeles and Donald Trump sending in the National Guard may actually be a dangerous escalation as the riots spin out of control; “The View's” Whoopi Goldberg shocking her audience by echoing Republican talking points in advocating for states rights to attack Donald Trump's decision to send the National Guard to Los Angeles to get control of the ICE riots; Alexandria Ocasio-Cortez coming under fire for defending protesters throwing rocks at police and vehicles in the LA ICE riots; CNN's Harry Enten showing shocking new polling data that shows how much Americans are pushing Trump's approval ratings to new heights due to his strict policies on immigration and mass deportations; Eva Vlaardingerbroek addressing how the European refugee crisis is getting much worse despite pledges by politicians to stop the inflow of illegal migrants; Donald Trump getting the press to laugh with his critique of Greta Thunberg's failed attempt to bring humanitarian aid to Gaza as a part of the Freedom Flotilla Coalition which was intercepted by Israel; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: PDS Debt- If you're making payments every month on your debt and your balances aren't going down, this program is for you. PDS Debt has customized options for anyone struggling with credit cards, personal loans, or medical bills. Get started with your free debt analysis in just 30 seconds and there is no minimum credit score required. Go to: https://PDSDebt.com/RUBIN Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" CBDistillery.com- Struggling with poor sleep or aches and pains? Take the advice of our over 2 million satisfied customers. Use CBD after physical activity for reductions in stress and pain. Don't miss the Stock-Up Sale! use code RUMBLE to save up to 40% off. Go to: http://CBDistillery.com and enter PROMO CODE: RUMBLE

In this episode of The Matt Feret Show I interview Therese Forton-Barnes, a green-living expert, advocate, and business owner. Therese and I discuss her mission of detoxifying American households, and she identifies the top products mindful consumers may want to avoid. Therese shares insight into her process of downsizing toxins in her home and provides helpful resources listeners can explore to learn more about the ingredients in their cleaning supplies, drinking water, and health and beauty products. Watch this podcast on YouTube.Introduction to Therese Forton-Barnes [1:09]Health Starts in the Home with Therese Forton-Barnes [5:46]Products to Minimize in the Home with Therese Forton-Barnes [9:45]Monitoring the Air Quality in Your Home with Therese Forton-Barnes [28:06]Common Air Pollutants in the Home with Therese Forton-Barnes [30:58]Chemical Content of Personal Products with Therese Forton-Barnes [42:17]How to Minimize Chemicals in Water with Therese Forton-Barnes [57:38]Connect with me via the podcast website, LinkedIn, Facebook, and Instagram.Check out Therese's Green Living Guru's website, Instagram, LinkedIn, Amazon storefront.Explore green-living resources Environmental Working Group Tap Water Database, Environmental Working Group, Made-Safe.org. Hosted on Acast. See acast.com/privacy for more information.

The three-year transition to certified organic farming can present a formidable challenge for farmers. A whole community working together can make the process smoother. In this second episode, Elizabeth "Liz" McMullen and Garland Mason of Organic Valley Cooperative (OV) share how the company and its farm membership nourish a whole community perspective to benefit existing farmer member-owners and reduce obstacles for farmers who are curious about organic production and joining the cooperative as members.  Liz and Garland state that OV regional pool managers can talk with farmers about the certification process, requirements, and specific on-farm organic practices. Liz and Garland also advise reaching out to neighboring OV farmers in your state who have gone through the process.Organic Valley's Rootstock blog provides glimpses into the day-to-day on-farm work routines and the values, practices, and experiences that inform organic farming as a business and build a whole community. To learn more about Organic Valley's commitment to cooperation, sustainability, soil health, and thriving farms and communities, please visit https://www.organicvalley.coop/  As always, we encourage you to cooperate with other farmers and follow the four core soil health principles: 1) Keep the Soil Covered -- Cover crops are our friends; 2) Minimize soil disturbance -- Practice no-till or gentle tillage in your field or garden as much as possible; 3) Maximize living roots year-round -- to improve biodiversity and life in the soil; and 4) Energize with diversity -- through crop rotation and/or livestock integration. Yes, soil health is a great conversation starter because we can all be 4 The Soil and for the future! To enjoy recent 4 The Soil blog posts and additional soil health resources, please visit https://www.4thesoil.org/blog and https://www.virginiasoilhealth.org/. For questions about soil and water conservation practices and outdoor educational activities for youth, call or visit a USDA Service Center, a Virginia Soil and Water Conservation District office, or your local Virginia Cooperative Extension office.  

Dave Rubin of “The Rubin Report” talks about Gavin Newsom telling Brian Tyler Cohen and MSNBC's Jacob Soboroff why the Los Angeles ICE riots are the fault of Donald Trump; Elon Musk's reaction to the ICE protests in Los Angeles blowing up into full blow riots featuring cars on fire and looting; LA Mayor Karen Bass contradicting the LA Police Cheif on CNN about the need for the National Guard to help control the ICE riots; Maxine Waters having a door slammed in her face as she tried to enter a federal building; Senator Markwayne Mullin giving CNN's Dana Bash a brutal dose of reality about the origin of the ICE riots in Los Angeles; Bill Maher trying to convince the NELK Boys' Kyle Forgeard on the “Full Send Podcast why Republicans are more dangerous than Democrats; Simone Biles getting into a Twitter fight with Riley Gaines over transgender athletes in women's sports; Elon Musk responding to JD Vance telling Theo Von on “This Past Weekend” why there still may hope for Donald Trump and Musk's relationship; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/   Today's Sponsors: GoldCo - Protect your money with gold and silver during these unstable times. Get UNLIMITED bonus silver on all qualified orders, just for getting started. You'll also get a complimentary 2025 Gold & Silver Kit to help you make a decision. Go to: http://davelikesgold.com/ Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" Ground News - Avoid the agenda-driven narratives and outright manipulation of the facts from Mainstream Media. Ground News is not a news publisher, they are an independent app and website that simply aggregates every source on a story, so you can compare coverage and see through mainstream media spin. Rubin Report viewers get 40% off their best plan Go to: https://Ground.News/Rubin

Avian Influenza and what you need to know.  Plus snake bites have been on the rise, what you need to do in case of an emergency and records have been broken in the fishing world. Join radio hosts Rebecca Wanner aka 'BEC' and Jeff ‘Tigger' Erhardt (Tigger & BEC) with The Bend Radio Show & Podcast, your news outlet for the latest in Outdoors & Western Lifestyle News! Season 5, Episode 240 Avian Influenza:  2 Types Of Viruses  There are two types of virus: Highly Pathogenic Avian Influenza (HPAI): Virus strains are extremely infectious, often fatal to domestic poultry and can spread rapidly from flock to flock. Low Pathogenicity Avian Influenza (LPAI): Virus strains occur naturally in wild migratory waterfowl and shorebirds without causing illness. LPAI can infect domestic poultry with little or no signs of illness. Avian Influenza: The Signs In Birds & Poultry Sudden, unexplained death Decline in water consumption Decreased egg production and depression in layers Purple or dry combs Quieter than normal Frequently laying down Swelling around eyes Procedures For Wild Birds The primary carriers of avian influenza A are waterfowl, gulls, terns and shorebirds. Avoid direct contact with wild birds and observe them only from a distance. Wild birds can be infected without showing symptoms of the infection. The Center for Disease Control and Prevention (CDC) currently believes that the public health risk from the current HPAI outbreak is low. They advise avoiding direct contact with sick or dead wild birds. Individuals should also avoid transporting sick or dead birds. Do not handle dead wild birds. Avian influenza surveillance and testing in wild birds is being done by USDA APHIS Wildlife Services and North Dakota Department of Game and Fish. Please report wild sick and dead birds at https://gf.nd.gov/wildlife/diseases/mortality-report. Wild bird avian influenza questions can be directed to 701-204-2161. Reduce the attractiveness for wild birds to stop at your place by cleaning up litter and spilled feed around your domestic poultry housing. When should you move wild bird carcasses? While handling and transporting carcasses is not advised, there may be some cases where it is required to minimize transmission of HPAI and continue normal activities. This would be especially true to limit contact with domestic poultry, or if fields need to be worked in preparation for planting, etc. Handling According to the CDC: “If you must handle wild birds or sick or dead poultry, minimize direct contact by wearing gloves and wash your hands with soap and water after touching birds. If available, wear respiratory protection such as a medical facemask. Change your clothing before contact with healthy domestic poultry and birds after handling wild birds, and discard the gloves and facemask, disinfect footwear, and then wash your hands with soap and water.” Disposal It is critical that carcasses are disposed of properly to reduce the risk for transmission to domestic flocks and other wildlife. Numerous cases of mortality in eagles, hawks and owls have occurred as a result of scavenging on dead bird carcasses. For this reason, moving carcasses to new areas and discarding them on the landscape should be avoided, as this may unintentionally contribute to more cases. Acceptable disposal options for wild bird carcasses include: Move carcasses to the edge of the field. Burial is acceptable for small numbers of birds. Be sure to bury carcasses four feet above the water table with four feet of cover. If possible bury birds in clay soils. Burn carcasses. Be sure to check if you are under a burn ban prior to burning,  Dispose at an approved municipal solid waste landfill. Please contact the landfill to determine disposal protocols. Carcasses must be double bagged. Bags must be disinfected before transporting to the landfill. Be sure to use a disinfect registered for use against AI, https://www.epa.gov/pesticide-registration/antimicrobial-products-registered-disinfection-use-against-avian-influenza Following disposal be sure to disinfect the vehicle used to transport the carcasses. REFERENCES: https://www.ndsu.edu/agriculture/ag-hub/highly-pathogenic-avian-influenza https://www.ndsu.edu/agriculture/extension/publications/highly-pathogenic-avian-influenza-hpai https://www.aphis.usda.gov/livestock-poultry-disease/avian/avian-influenza/hpai-detections/wild-birds https://www.aphis.usda.gov/livestock-poultry-disease/avian/avian-influenza/hpai-detections/commercial-backyard-flocks Snake Bite Are Becoming More Common Snake season is upon us.  Make sure you know the does and don't of what to do in case of a snake bite Do's for Snake Bites: Call for help: Immediately call 911 or your local emergency number.  Stay calm and still: Minimize movement to slow the spread of venom.  Remove jewelry and tight clothing: Swelling may occur, making it difficult to remove these items later.  Keep the bite area below heart level: This helps slow the venom's circulation.  Wash the wound: Clean the bite with soap and water.  Cover the bite: Apply a clean, dry dressing.  Take a photograph of the snake (if safe): This can help medical personnel identify the snake species and determine the appropriate treatment.  Don'ts for Snake Bites: Don't assume the snake is harmless: Always treat a snakebite as serious.  Don't try to catch or kill the snake: This can lead to further bites.  Don't use a tourniquet: Tourniquets can cause serious complications, including blood clots and potential amputation.  Don't apply ice or cold compresses: This can damage tissue.  Don't cut into the bite or try to suck out the venom: These practices are ineffective and can be harmful.  Don't take pain relievers like aspirin or ibuprofen: These medications can interfere with the treatment of snake venom.  Don't give the person anything to eat or drink: This can interfere with medical treatment.  Don't try to identify the snake if it's not safe to do so: Safety comes first.  State Record Fish In Connecticut A new state record has been set for the largest freshwater fish ever caught in Connecticut. In May, angler Rafal Wlazlo landed a massive 45-pound, 8-ounce Common Carp at Lake Lillinonah, making it the heaviest freshwater fish recorded in the state. According to the Connecticut Department of Energy and Environmental Protection (DEEP), Wlazlo's catch now holds the official title for the largest freshwater fish in Connecticut history. Wlazlo, owner of Carp Angler, noted that carp fishing is hugely popular in Europe and is gaining traction as a niche yet growing sport in the United States. Prior to this record-breaking carp, the largest freshwater fish on record in Connecticut included a 29-pound Channel Catfish, Lake Trout, and Northern Pike. REFERENCES: https://www.nbcconnecticut.com/news/local/common-carp-fish-connecticut-state-record-lake-lillinonah/3577638/ https://www.carpangler.com/ OUTDOORS FIELD REPORTS & COMMENTS We want to hear from you! If you have any questions, comments, or stories to share about bighorn sheep, outdoor adventures, or wildlife conservation, don't hesitate to reach out. Call or text us at 305-900-BEND (305-900-2363), or send an email to BendRadioShow@gmail.com. Stay connected by following us on social media at Facebook/Instagram @thebendshow or by subscribing to The Bend Show on YouTube. Visit our website at TheBendShow.com for more exciting content and updates! https://thebendshow.com/ https://www.facebook.com/thebendshow WESTERN LIFESTYLE & THE OUTDOORS Jeff 'Tigger' Erhardt & Rebecca 'BEC' Wanner are passionate news broadcasters who represent the working ranch world, rodeo, and the Western way of life. They are also staunch advocates for the outdoors and wildlife conservation. As outdoorsmen themselves, Tigger and BEC provide valuable insight and education to hunters, adventurers, ranchers, and anyone interested in agriculture and conservation. With a shared love for the outdoors, Tigger & BEC are committed to bringing high-quality beef and wild game from the field to your table. They understand the importance of sharing meals with family, cooking the fruits of your labor, and making memories in the great outdoors. Through their work, they aim to educate and inspire those who appreciate God's Country and life on the land. United by a common mission, Tigger & BEC offer a glimpse into the life beyond the beaten path and down dirt roads. They're here to share knowledge, answer your questions, and join you in your own success story. Adventure awaits around the bend. With The Outdoors, the Western Heritage, Rural America, and Wildlife Conservation at the forefront, Tigger and BEC live this lifestyle every day. To learn more about Tigger & BEC's journey and their passion for the outdoors, visit TiggerandBEC.com. https://tiggerandbec.com/

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In today's episode, we're breaking down how to minimize risk and maximize your wealth—not through guesswork, but through smart, strategic tax moves most people overlook.Rachel Farris is a distinguished Certified Public Accountant recognized as one of the top 40 Under 40 Tax and Accounting Professionals by CPA Practice Advisor. Her CPA firm specializes in helping individuals & businesses through the complex landscape of tax and compliance issues, offering sophisticated tax planning & minimization strategies and overseeing their Act 60 journey. Her extensive experience at a top-tier Big 4 international accounting firm informs her comprehensive & global approach.Rachel Farris, CPA has offices in San Francisco & Puerto Rico and is highlighted for her strategic use of the Act 60 Puerto Rico investor & business tax decrees – to maximize tax savings for her clients. Her firm's mission is to deliver exceptional service, leveraging specialized expertise in tax planning & compliance to meet the needs of their clientele. She also offers a comprehensive educational course on Act 60, available at MaximizeWealth.com, designed to empower individuals with the knowledge and tools needed to confidently navigate Puerto Rico's tax incentives.Connect with Rachel Here: https://www.linkedin.com/company/rachel-farris-cpa/https://www.maximizewealth.com/Grab the freebie here: https://www.maximizewealth.com/products/courses/act-60===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Financial Freedom & Wealth Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

Dave Rubin of “The Rubin Report” talks about former White House Press Secretary Karine Jean-Pierre announcing her new book “Independent” and that she has left the Democratic Party after what she saw first-hand in the final days of the Biden White House; CNN's Scott Jennings' shocking Lulu Garcia-Navarro by giving a brutal reaction to Karine Jean-Pierre leaving the Democratic Party; Mike Johnson sharing what Elon Musk and he discussed about the Big Beautiful Bill behind closed doors; Scott Jennings sharing if he is siding with Elon Musk or Donald Trump on whether or not to support or fight the Big Beautiful bill; Chuck Schumer, Hakeem Jeffries and other Democrats suddenly changing their talking points on Elon Musk; Donald Trump issuing a new unexpected travel ban executive order that is infuriating liberals in response to the Boulder Colorado terror attack by Mohamed Sabry Soliman; and much more. Dave also does a special “ask me anything” question-and-answer session on a wide-ranging host of topics, answering questions from the Rubin Report Locals community. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors:  Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" Chef iQ - Take the stress out of not knowing if your meat will come out good! CHEF iQ Sense continuously monitors and predicts precisely when your food will be done. Go to: http://chefiq.com and use promo code RUBIN for 15% off! Balance of Nature - Make sure you are getting all the positive effects from a wide variety of fruits and vegetables. Rubin Report viewers get 35% off their first order plus a FREE Fiber & Spice supplement when you use Code RUBIN. Go to: http://balanceofnature.com/

One error could have huge implications. Learn how to take one slow step at a time. #ThePitch #INICIVOX #VirtualMentorship

Dave Rubin of “The Rubin Report” talks about the latest news in the terror attack in Boulder, Colorado, by suspect and illegal immigrant Mohamed Sabry Soliman, who shouted “Free Palestine” while using a makeshift flame thrower to burn protesters at a pro-Israeli event organized to raise awareness about the remaining hostages taken by Hamas. Dave also discusses Jake Tapper discussing the Democrat-led coverup of Joe Biden's cognitive decline on “Real Time with Bill Maher” the importance of building bridges at this moment, the current state of the Israel - Hamas War from Tel Aviv in Israel, and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Morgan & Morgan - Morgan & Morgan is America's Largest Injury Law Firm, with over 1,000 attorneys operating in all 50 states. Go to: https://ForThePeople.com/Rubin Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30"

Do you want a more efficient schedule? There's a way to do it by looking at one number. In this episode of Metric Mondays, Kirk Behrendt brings back Miranda Beeson, ACT's director of education, to break down production per hour so you can maximize your hours at work with your team. To learn the quickest way to optimize your schedule, listen to Episode 895 of The Best Practices Show!Learn More About Miranda:Send Miranda an email: miranda@actdental.com Follow Miranda on ACT's Instagram: https://www.instagram.com/actdentalSend Courtney an email to learn more about ACT: courtney@actdental.com More Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 895: https://www.youtube.com/@actdental/videosRegister for ACT's To The Top Study Club (July 18th, 2025): https://www.eventbrite.com/e/climb-with-us-register-for-july-18-2025-ttt-study-club-tickets-1205460116659Register for ACT's To The Top Study Club (July 25, 2025): https://www.eventbrite.com/e/climb-with-us-register-for-july-25-2025-ttt-study-club-tickets-1205497959849Main Takeaways:Production per hour measures appointment efficiency and schedule optimization.If you have high production per hour, it means your schedule is optimized.Look at your schedule and ask, “Is this the best use of our time?”Maximize your team and your time by delegating what you can.Minimize open time using the Function Accountability Chart.Snippets:0:00 Introduction.2:34 Production per hour,...

TIME STAMPS:00:55  Countdown and start of Angela's contest prep at 9 weeks out from the 10th annual IPL SW Grand Prix in Phoenix, AZ. 02:30 sous vide ( soo - VEE ) - why Casey and Daniel prefer this cooking method and how it's done! 05:39 Best ways to cook meats and fish with an AIR FRIER. 06:30 How to cook the worlds best ribeye at home with a cast iron skillet and a blow torch!10:50 Daniel's tilapia and butter recipe!15:56 Animal fats vs rendered fats like tallow and duck fat. 23:34 Cooking HEART, LIVER, BRAINS, other organ meats and supplements - LONVERA Grass Fed Beef Liver Supplement link: https://lonvera.com/?ref=coltmilton / Code “COLT20” saves you 20% on your purchase

Dave Rubin of “The Rubin Report” talks about Donald Trump responding to Elon Musk's harsh criticism of the Big Beautiful Bill on CBS News, where he claimed that the bill would grow the national debt and undermine the work of the DOGE; Mike Johnson correcting CNN's Jake Tapper with the facts behind why people committing Medicaid fraud will no longer be covered by the program; Fox News' Jesse Watters being stunned by David Sacks' bombshell accusation of who was behind Joe Biden's autopen signings; JD Vance announcing a major change in how the federal government will handle cryptocurrency and Bitcoin; Bill Ackman pointing out how Harvard University's strategy of escalating its war with Donald Trump will backfire; newly leaked footage of the Venezuelans illegal migrants responsible for the hit and run jet ski death of 18-year-old Ava Moore attempting to flee the scene; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/  Today's Sponsors: Prolon - Rejuvenate your body from the inside out, while supporting enhanced skin appearance, fat loss, and improving energy and focus. Prolon is offering 15% off and a bonus gift for Rubin Report viewers. Go to: http://ProlonLife.com/DAVE Upside - Earn cash back from everyday purchases! Download the FREE Upside App at https://upside.app.link/rubin to get an extra 25 cents back for every gallon on your first tank of gas. Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30"

Join the conversation by letting us know what you think about the episode!Understanding the connection between humans and nature is of utmost importance now. In fact, developing that understanding may lead to solutions to existential threats like climate change and social inequality. Our guest Anne Riley has spent a lifetime thinking about and trying to understand this connection. She even wrote a book about it - The Human Idea: Earth's Newest Ecosystem.For many years, Anne balanced family life with a career in various industries, including technology, teaching, and finance, before retiring in 2011. Influenced by Michael Rothschild's Bionomics, Riley developed a theory known as the Ideasphere, exploring the parallels between human and ecological systems. Her theory is articulated in her book The Human Idea, Earth's Newest Ecosystem. Riley's work is not just a reflection on our past but a call to action for our future. As we stand at a pivotal moment in history, grappling with existential threats like climate change and social inequality, The Human Idea offers a roadmap for applying the lessons of nature to build a better world.Where to find Anne Riley and her work:Website: https://www.thehumanidea.comSurvey: https://www.thehumanidea.com/surveyYouTube: https://www.youtube.com/@TheHumanIdeasphereFacebook: https://www.facebook.com/anne.riley.16144606/LinkedIn: https://www.linkedin.com/in/anne-riley-656b0125a/Instagram: @anne_riley_ideasphereThreads: @anne_riley_ideasphereSupport the showBe part of the conversation by sharing your thoughts about this episode, what you may have learned, how the conversation affected you. You can reach Raquel and Jennifer on IG @madnesscafepodcast or by email at madnesscafepodcast@gmail.com.Share the episode with a friend and have your own conversation. And don't forget to rate and review the show wherever you listen!Thanks!

Welcome to a special edition of We get work®, recorded live from Workplace Horizons 2025 in New York City, Jackson Lewis's annual Labor and Employment Law Conference. Over 500 representatives from 260 companies gathered together to share valuable insights and best practices on workplace law issues impacting their business today. Here's your personal invitation to get the insights from the conference, delivered directly to you. 

Public Relations Specialist Elizabeth McMullen and Sustainability Funding and Communications Specialist Garland Mason of Organic Valley Cooperative join Mary and Eric to share about the common ties that are essential to the farmer-owned cooperative. Cooperation and a strong commitment to the sustainability of small and mid-size family farms, local culture, and community are the most basic ties. In this episode, Elizabeth and Garland outline the history of Organic Valley and how the business started as a vegetable cooperative in 1988 and now has over 1,500 dairy farmer-member owners in 29 states with an average herd size of 70 cows per farm. Preserving small family farms was an impetus for Organic Valley's start. In carrying that mission forward, Organic Valley assists farmer member-owners to be sustainable and profitable through on-farm practices such as solar, composting, solid and liquid separation of manure, reduced tillage, and nutrition management to reduce nitrogen, phosphorus, and gas emissions. Most recently, OV farmers have experimented with Agolin Naturu, which is an organic certified enteric feed supplement made of essential oils of coriander, clove, and carrot that results in better fermentation, digestibility, and less burping.To learn more about Organic Valley's commitment to cooperation, sustainability, and soil health, please visit https://www.organicvalley.coop/  The website also provides recipes and a searchable database of Organic Valley farms near you.As always, we encourage you to cooperate with other farmers and follow the four core soil health principles: 1) Keep the Soil Covered -- Cover crops are our friends; 2) Minimize soil disturbance -- Practice no-till or gentle tillage in your field or garden as much as possible; 3) Maximize living roots year-round -- to improve biodiversity and life in the soil; and 4) Energize with diversity -- through crop rotation and/or livestock integration. Yes, soil health is a great conversation starter because we can all be 4 The Soil and for the future! To enjoy recent 4 The Soil blog posts and additional soil health resources, please visit https://www.4thesoil.org/blog and https://www.virginiasoilhealth.org/. For questions about soil and water conservation practices and outdoor educational activities for youth, call or visit a USDA Service Center, a Virginia Soil and Water Conservation District office, or your local Virginia Cooperative Extension office.  

Send us a textTax Savings Strategies for Early RetireesIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly delves into tax-saving strategies tailored for high-income earners aiming for early retirement. Hunter discusses the advantages of Roth conversions during low-income years, the benefits of tax-loss harvesting to offset capital gains, the importance of proper asset location, strategic withdrawal sequencing to minimize taxes, and the utilization of Health Savings Accounts (HSAs) for managing medical expenses before Medicare eligibility. Emphasizing long-term tax planning, he offers valuable insights to help listeners retain more of their wealth and achieve a smoother transition into early retirement.00:00 Introduction to Tax Savings Strategies for Early Retirees02:25 Roth Conversions: A Game Changer for Early Retirees09:22 Tax Loss Harvesting: Turning Losses into Gains14:09 Asset Location: Placing Investments Strategically17:21 Strategic Withdrawal Sequencing: Maximizing Your Retirement Funds20:05 Health Savings Accounts: A Triple Tax Advantage22:40 Conclusion and Next StepsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Protect yourself from a person who causes you heartache, pain and upset, even when they're family.Call 1-800-DR-LAURA / 1-800-375-2872 or make an appointment at DrLaura.comFollow me on social media:Facebook.com/DrLauraInstagram.com/DrLauraProgramYouTube.com/DrLauraJoin My Family!!Receive my Weekly Newsletter + 20% off my Marriage 101 course & 25% off Merch! Sign up now, it's FREE!Each week you'll get new articles, featured emails from listeners, special event invitations, early access to my Dr. Laura Designs Store benefiting Children of Fallen Patriots, and MORE! Sign up at DrLaura.com

On today's episode, hear May's top grape article about minimizing vineyard packaging theft, crime by employees, copper wire theft and more.Check out the full article here.Supporting the People who Support AgricultureThank you to this month's sponsors who makes it possible to get you your daily news. Please feel free to visit their website.2025 Crop Consultant Conference - https://myaglife.com/crop-consultant-conference/

Dave Rubin of "The Rubin Report" talks about Donald Trump catching South African president Cyril Ramaphosa completely off guard by forcing him and the press to watch video footage of Economic Freedom Fighters'Julius Malema getting crowds to chant "Kill the Boer, Kill the Farmer"; Elon Musk staring down South African President Cyril Ramaphosa as Trump explains the murders of white South African farmers; Scott Jennings and CNN's Abby Phillip getting into a tense debate over the murders of white South African farmers; Charlie Kirk exposing how uneducated the "free Palestine" advocates and protesters at University of Cambridge are; Columbia University's graduation ceremony descending into chaos as Columbia President Claire Shipman desperately tries to show her support for Mahmoud Khalil;" Marco Rubio's tense exchange with Pramila Jayapal over the revoking of Tufts University student Rumeysa Öztürk's visa; The Beat's'" Ari Melber pushing back on James Carville's baseless accusations of the Trump administration pressing charges on LaMonica McIver because she's black; and much more. Dave also does a special "ask me anything" question-and-answer session on a wide-ranging host of topics, answering questions from the Rubin Report Locals community.   WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/   ---------- Today's Sponsors: Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30"   Franzese Wine - Experience the rich legacy of 94-point wines from Armenia, inspired by Michael Franzese's story of redemption. Get your first bottle today for 15% off! Limited time offer. Go to: https://franzesewine.com/ and use code RUBIN for your discount.   Juvenon BloodFlow 7 - BloodFlow-7 by Juvenon is scientifically designed to support healthy circulation — so you feel energized, clear-headed, and vibrant again. Go to: https://www.bloodflow7.com/Rubin

Dave Rubin of “The Rubin Report” talks about Donald Trump sharing some of the details of his historic phone call with Vladimir Putin that may finally bring an end to to the Russia-Ukraine War; “The View's” Whoopi Goldberg and Ana Navarro desperately trying to explain how there is no cover-up related to Joe Biden's cancer diagnosis; “Morning Joe's” Joe Scarborough being stunned by guest Dr. Zeke Emanuel describing how there is no way that Joe Biden couldn't have known about his cancer diagnosis over the past year; Scott Jennings ripping into Democrats for their pushing of the “big lie” about Joe Biden's cognitive decline; “Flagrant's” Andrew Schulz and Akaash Singh getting Bernie Sanders to admit on camera that the Democratic Party is a threat to democracy; Brazilian American Hugo Monteiro shocking a reporter by reaffirming his support for Trump's mass deportation plans after he was accidentally detained by ICE agents; the “All-In Podcast's” David Friedberg exposing how Trump's “big beautiful bill” will still lead America into a massive financial crisis; Scott Adams announcement of his own battle with cancer; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: GoldCo - Protect your money with gold and silver during these unstable times. Get UNLIMITED bonus silver on all qualified orders, just for getting started. You'll also get a complimentary 2025 Gold & Silver Kit to help you make a decision. Go to: http://davelikesgold.com/ Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" Brickhouse Nutrition -Whether you're looking for collagen, creatine, or any of their other doctor-formulated products, they're all on sale for 25% off! Don't miss the Memorial Day Sale! Go to http://brickhousenutrition.com and use code MEMORIAL25 for 25% off. Learn more about your ad choices. Visit megaphone.fm/adchoices

Head over to 8020BASEBALL.com⁠⁠⁠⁠⁠⁠⁠⁠ and get the full 8020BASEBALL Coaching Plan for 25% off (use code GREATCOACH25) to get the special price that is only good for another 10 days (end of May). 

How To Save On Summer Travel:Be a points hacker - It's a great time to use all those points and miles you've built up. Don't pay full price on travel gear - Before you buy new things like portable cribs, compact strollers or travel-friendly car seats, consider open-box and overstock gear at sites like REBEL. These items were returned, but never used, and come with discounts as much as 50% off retail.Try an off-season destination - Pick a place that's not all over Instagram in July. Find those free activities - Look for urban green spaces, interactive art parks, summer festivals and fairs at your destination - some cities even create calendars with zero-cost options for families.Think midweek, not peak week - Want to fly on a Friday? So does everybody else, so consider shifting your dates to midweek — especially Tuesdays and Wednesdays. How To Keep Your Brain In Tip Top Shape:Exercise -  research shows that the number one thing you can do for the brain is to be active regularly. Eat more whole foods and fewer processed foods Minimize drinking and don't smokeManage your stress - Stress may not be a direct risk factor for dementia, but chronic stress is tough on the brain's memory system.Challenge your brain - Keeping your brain sharp by playing games, learning a new language or instrument, and doing social activities.Get seven to nine hours of sleep - Not getting enough sleep is bad for the brain and can even raise the risk of Alzheimer's.Spend time with friends and family - Staying socially active is incredibly important, as research shows that social isolation is linked to as much as a 50% higher risk of dementia. Signs Your Man Is Noble:He opens doors for youHe calls you instead of textingHe walks on the street side of the sidewalkHe walks you to your doorHe sends good morning textsHe understands the etiquette of leadershipHe puts his hand on the small of your back when introducing you to someoneHe takes the time to plan a dateSecond Date Update: Emma calls about Paul. She thought he was a true prospect since he took dating and relationships seriously. Now, nothing.

Dave Rubin of “The Rubin Report” talks about Joe Biden's disastrous appearance on “The View” where Alyssa Farah Griffin asked him directly about the recent claims from Democratic staffers of his cognitive decline; Jill Biden jumping in to answer for Joe Biden after he failed to give a sensible answers to Alyssa Farah Griffin's questions about his cognitive decline; Scott Jennings and CNN's Abby Phillip ganging up on “The View's” Ana Navarro for her ridiculous lies defending Joe Biden; Amy Klobuchar's failed attempt to rewrite history to “Meet the Press'” Kristen Welker when asked if Joe Biden was a good candidate to run in the 2024 election; Robert F. Kennedy Jr. explaining to Fox News' Bret Baier the shocking statistics of the connection between Americans' use of prescription drugs and America's allowing Big Pharma drug commercials; and much more. Dave also does a special “ask me anything” question-and-answer session on a wide-ranging host of topics, answering questions from the Rubin Report Locals community. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Tax Network USA - If you owe back taxes or have unfiled returns, don't let the government take advantage of you. Whether you owe a few thousand or a few million, they can help you. Call 1(800)-958-1000 for a private, free consultation or Go to: https://tnusa.com/dave Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" GoldCo - Protect your money with gold and silver during these unstable times. Get UNLIMITED bonus silver on all qualified orders, just for getting started. You'll also get a complimentary 2025 Gold & Silver Kit to help you make a decision. Go to: http://davelikesgold.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Rubin of “The Rubin Report” talks about David Hogg's comments on “Real Time with Bill Maher” that may have helped contribute to his ouster as the vice chair of the Democratic Party; Charlie Kirk exposing to Fox News' Jesse Watters how shallow David Hogg's depiction of young Gen Z voters really is; Kevin O'Leary pushing back on CNN's Sara Sidner's technical definition of genocide while describing the plight of white afrikaners from South Africa who Trump has welcomed in as refugees to America; CNN's Ashley Allison's failed attempt to give Scott Jennings a history lesson on apartheid in South Africa; Ron DeSantis perfectly pointing out Democrats hypocrisy on the deportation of illegal immigrants by reminding them of the deportation tactics of Bill Clinton and Barack Obama; Texas governor Greg Abbott telling Fox News' “The Ingraham Angle” the real reason behind his shutting down of the Epic City, the planned Muslim community in East Plano Texas led by Yasir Qadhi; Donald Trump giving ABC News a blunt answer to their question about Qatar's luxury jet gift to temporarily replace Air Force One; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" Upside - Earn cash back from everyday purchases! Download the FREE Upside App at https://upside.app.link/rubin to get an extra 25 cents back for every gallon on your first tank of gas. Lean - A powerful weight loss supplement with remarkable results to help lower blood sugar, burn fat by converting it into energy, and curb your appetite. Rubin Report viewers get 20% off plus free rush shipping off their first order! Go to: https://TakeLean.com and enter promo code RUBIN20 for your discount Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan Nicodemus returns to talk about the things that enhance—and the things that get in the way of—enjoying the adventures, experiences, activities, and hobbies that make life more delightful. Discussed in this episode: How can I enjoy my adventures and hobbies without getting overwhelmed by the accessories and equipment that accompany those experiences? (2:33) What activities bring you joy, and what material things are an essential part of those activities? (21:40) Listener tip: Minimize the noise and opinions to uncover a quieter life. (44:22) Listen to the full Maximal episode on Patreon: patreon.com/theminimalists Detailed show notes: minimalists.com/podcast Recorded at Earthing Studios.

In this mailbag episode, Brad and Rachael dive deep into strategies for efficiently withdrawing money from taxable brokerage and retirement accounts. With a focus on understanding the different tax treatments associated with these accounts, listeners gain crucial insights into managing tax liabilities for retirement. Key Takeaways Different Types of Accounts: Taxable brokerage accounts versus traditional IRAs and 401ks have distinct tax consequences affecting retirees. Tax Treatment: Withdrawals from traditional retirement accounts are taxed as ordinary income, while long-term capital gains from taxable accounts are taxed at a lower rate. Strategic Tax Planning: Employing strategies such as Roth conversions and tax gain harvesting can significantly minimize tax impacts during retirement. Investment Placement: It's vital to manage tax-efficient placements for investments, especially during retirement. Timestamps 00:00:00 - Podcast Intro: Introduction to the episode topic. 00:04:36 - Taxable Brokerage Accounts vs Traditional Accounts: Discussion on the terminology and tax implications. 00:09:59 - Tax Strategies and Opportunities: How to minimize taxes in retirement using investments. 00:23:10 - Roth Conversions Explained: Understanding the benefits of converting retirement accounts. 00:48:13 - Conclusion and Future Topics: Wrap up and upcoming episode topics. Key Insights Tax Treatment of Withdrawals: Withdrawals from a traditional IRA are taxed as ordinary income. (00:04:36) Understanding Taxable Brokerage Accounts: "Taxable brokerage accounts" may be better understood as your basic savings or investment accounts. (00:05:07) Investment Strategies: Use tax-advantaged accounts to defer taxes on income. (00:09:59) Minimize taxes with proper investment placements and strategies like tax gain harvesting. (00:23:10) Roth Conversions: Roth conversions allow you to transfer pre-tax retirement accounts into a Roth IRA and pay taxes on the converted amount, providing tax benefits later. (00:26:56) Actionable Takeaways Understand Account Types: Familiarize yourself with the differences in tax treatment between taxable brokerage accounts and traditional retirement accounts. (00:04:36) Maximize Tax Efficiency: Consider implementing Roth conversions to streamline taxes during retirement. (00:26:56) Tax-Efficient Investments: Be strategic about investment placements—opt for tax-efficient funds to minimize taxable income. (00:23:10) Related Resources Kitcis Article on IRA Strategies: Read here (00:52:55)   Rachael Camp   Please note: Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.

Real estate diversification is the cornerstone of any resilient investment strategy, and in this episode, we explore it in depth with expert investor Lon Welsh.With over $2.8B in sales, 750+ agents, and leadership roles in both Your Castle Real Estate and Ironton Capital, Lon brings unmatched insight into how strategic diversification can protect and grow your portfolio—even in uncertain markets.If you're searching for ways to reduce risk while still earning solid returns through real estate, this episode has the answers. We discuss how diversification across geography, asset class, strategy, and sponsorship shields investors from localized legislation, economic downturns, and natural disasters. Whether you're actively managing your own properties or seeking passive real estate income, Lon explains why you must rethink relying solely on traditional investments like single-family homes.We also dive into smarter alternatives to the 1031 exchange using synthetic tax strategies that can help you defer capital gains while maintaining high returns. Learn how depreciation strategies can offset income and how to structure funds to take advantage of favorable tax treatments.For those concerned about rising interest rates, insurance challenges, or climate-related risks, Lon shares how investors are navigating today's headwinds and what vehicles offer short- and medium-term flexibility without sacrificing yield.And if you're evaluating syndications or funds, Lon outlines what due diligence truly looks like—how to spot red flags, differentiate luck from skill, and avoid common traps newer investors fall into.This isn't theory—this is tested wisdom for smart, future-ready real estate investing.To connect with Lon, visit: https://www.linkedin.com/in/lonwelsh/0:00 – Intro & Lon Welsh's background1:23 – Why real estate diversification matters3:08 – Four pillars: geographic, asset class, sponsor, strategy6:32 – Avoiding 1031 exchange with synthetic depreciation9:15 – Real estate tax advantages explained11:00 – Short-term vs. medium-term real estate funds13:02 – How to navigate climate, insurance, and market risk15:12 – Skill vs. luck in real estate investing17:00 – Free book and how to connect with Lon WelshTo check out the YouTube (video podcast), visit: https://www.youtube.com/@drchrisloomdphdDisclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphdWe couldn't do it without the support of our listeners. To help support the show:CashApp- https://cash.app/$drchrisloomdphdVenmo- https://account.venmo.com/u/Chris-Loo-4Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/supportBuy Me a Coffee- https://www.buymeacoffee.com/chrisJxClick here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-onlineClick here to check out our bookstore, e-courses, and workshops: https://www.drchrisloomdphd.com/shopClick here to purchase my books on Amazon: https://amzn.to/2PaQn4pFor audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1FFollow our YouTube channel: https://www.youtube.com/chL1357Follow us on Twitter: https://www.twitter.com/drchrisloomdphdFollow us on Instagram: https://www.instagram.com/thereal_drchrislooFollow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233Subscribe to our email list: https://financial-freedom-podcast-with-dr-loo.kit.com/Thank you to all of our sponsors and advertisers that help support the show!Financial Freedom for Physicians, Copyright 2025

Need a break? Dr. Aditi Nerurkar, author of The 5 Resets, offers quick, easy ways to minimize stress in your daily life — no lavish vacations or big life changes necessary. This episode originally aired Feb. 6, 2024.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Dave Rubin of “The Rubin Report” talks to “Outkick the Morning's” Charly Arnolt, and cohost of the “PBD Podcast”, Adam Sosnick about NYC Mayor Eric Adams coming clean to “Flagrant's” Andrew Schulz about how the average Democrat has lost their sanity due to combination of Trump derangement syndrome and Elon Musk's handling of the DOGE; how dumb some of the protesters actually are at the Tesla protest targeting Elon Musk; Alexandria Ocasio-Cortez refusing to say if there's any connection between Democrats dangerous rhetoric against Elon Musk and the recent attacks on Tesla dealerships and Tesla owners; Ben Shapiro's reactions to Frank Luntz naming Corey Booker the new leader of the Democrat Party after his record breaking senate speech; “The View's” Sunny Hostin, and Alyssa Farah Griffin falling for Corey Booker's idiotic publicity stunt; a resurfaced clip of Donald Trump's appearance on Oprah Winfrey where he outlined his idea for reciprocal tariffs in 1988; Jasmine Crockett proudly admitting that her career advanced because of DEI and not her effort or skill; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" 1775 Coffee - Get the Longevity Bundle featuring their top-selling Anti-Aging Coffee, the ultra-rare Peaberry blend, an exclusive 1775-branded tumbler, plus more premium coffee and limited-edition merch you can't find anywhere else. Every dollar you spend enters you to win a blacked-out 2024 Tesla Cybertruck plus $30,000 cash! Rubin Report viewers get 15% off their order. Go to: https://1775coffee.com/RUBIN and use code RUBIN Rumble Premium - Corporate America is fighting to remove speech, Rumble is fighting to keep it. If you really believe in this fight Rumble is offering $10 off with the promo code RUBIN when you purchase an annual subscription, Go to: https://Rumble.com/premium/RUBIN and use promo code RUBIN Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Rubin of “The Rubin Report” talks about “The Daily Show's” Jon Stewart being surprisingly open to conservative economist Oren Cass' defense of Donald Trump's tariffs, Donald Trump's “liberation day” speech where he involved the benefit of his tariffs and how experts have been wrong about NAFTA and trade deals of the past; Thomas Sowell's telling the Hoover Institution's “Uncommon Knowledge” his reaction to Trump's tariffs and if he fears it is escalating into a trade war; Sky News' profiling of the ISIS kids of Syria who make it very clear what they want to do to Westerners; Keir Starmer blaming the manosphere for the online radicalization of young boys; fencer Stephanie Turner making a brave gesture to protect women's sports and protest her being forced to compete against trans athlete Redmond Sullivan; and much more. Dave also does a special “ask me anything” question-and-answer session on a wide-ranging host of topics, answering questions from the Rubin Report Locals community. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Gravity Defyer - Sick of knee pain? Get Gravity Defyer shoes. Minimize the shock waves that normal shoes absorb through your feet, knees and hips with every step. Use the promo code "RUBIN30" at checkout, to get an extra 30% off orders over $120 or more. Just text RUBIN30 to 91888 or go to: http://gdefy.com and Use the promo code "RUBIN30" CBDistillery.com- Struggling with poor sleep or aches and pains? Take the advice of our over 2 million satisfied customers. Use CBD after physical activity for reductions in stress and pain. Order now and save up to 25% on everything! Go to: http://CBDistillery.com and enter PROMO CODE: RUBIN 1775 Coffee - Get the Longevity Bundle featuring their top-selling Anti-Aging Coffee, the ultra-rare Peaberry blend, an exclusive 1775-branded tumbler, plus more premium coffee and limited-edition merch you can't find anywhere else. Every dollar you spend enters you to win a blacked-out 2024 Tesla Cybertruck plus $30,000 cash! Rubin Report viewers get 15% off their order. Go to: https://1775coffee.com/RUBIN and use code RUBIN Learn more about your ad choices. Visit megaphone.fm/adchoices