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In today's episode - Clark has new data on renting vs. buying in terms of long-term net worth and how renters can close the gap. Also, With Valentine's Day ahead, Clark has good news if you are in the market for jewelry, specifically diamonds. Changes in the marketplace mean deals.    Housing: Bridging The Net Worth Gap: Segment 1 Ask Clark: Segment 2 The Diamond Marketplace: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The median renter in America has a net worth of $10,400. The median homeowner's net worth is $400,000 Should You Take Your Pension in a Lump Sum or Monthly Payments? What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors De Beers amasses biggest diamond stockpile since 2008 financial crisis Verizon administrative settlement payments are nowhere near $100. Here's why Should You Respond to Class-Action Lawsuits? How To Sell, Cancel or Get Rid of Your Timeshare Why Vacation Clubs Are Even Worse Than Timeshares Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With Debt Redemption Texas Debt Relief (+1-800-971-4060) you take actionable steps to a financially free future. Discuss your situation today! Find out more at: https://debtredemption.com/debt-relief-in/san-antonio-texas/ Debt Redemption Texas Debt Relief City: San Antonio Address: 40 NE Interstate 410 Loop, Suite 565 Website: https://debtredemption.com/

Want to buy real estate WITHOUT banks or using your credit? Go Here: ⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠https://creativefinanceplaybook.com/?utm_source=podcast&utm_medium=cfp&utm_campaign=v1⁠⁠⁠⁠ Want to JOIN our amazing CFP community? Go here: ⁠⁠⁠⁠https://www.facebook.com/groups/creativefinanceplaybook⁠⁠⁠⁠ In today's episode, we're sharing a proven method to structure low monthly payments, even in this high interest rate environment. We'll cover how to negotiate with sellers on free and clear properties to get the monthly payments you need, without sacrificing the seller's price. This is a game-changing strategy for real estate investors looking to cash flow their deals. ► Join The Creative Finance Playbook Community & Learn Creative Finance Directly from Jenn & Joe

Looking for reliable, trustworthy financial guidance to help you escape debt? Talk to the Debt Redemption Texas Debt Relief at +1-800-971-4060! Find out more at: https://debtredemption.com/debt-relief-in/austin-texas/ Debt Redemption Texas Debt Relief City: San Antonio Address: 40 NE Interstate 410 Loop, Suite 565 Website: https://debtredemption.com/ Phone: +1 800 971 4060

    LIGHT LANGUAGE SUMMIT - SAN DIEGO, CA https://www.melissabbates.com/lightlanguagesummit888 LABOR DAY SALE - 50% OFF 1:1 Support Calls - 50% Off >> I know how impactful it is to have 1:1 time to speak your truth, be seen, be heard so I have a few personal calls to help you shift: 1. 1:1 Soul Blueprint + Quantum Healing -> Click Here to purchase $166.50 2. 1:1 Money Transformation Call -> Click Here to purchase $166.50 3. 1:1 Nervous System Reset -> Click Here to purchase $166.50 _______ Money Support - LIVE 8 WEEK - Money Embodiment Program 50% Off >> This program starts 9/26/2024 Energetic Investment: Pay in Full -> $777.50 5 Monthly Payments -> $166.50 20 Weekly Payment -> $44.44 > _______ Light Language Support - Light Language Workshops - 50% Off Back in 2020 - I started my Light Language Training for $3000, but these powerful workshops give you the opportunity to begin and expand your path for only $277.50. Have you been ready to start your Light Language Journey to not only become a Master Healer, but also help many others transform with your gifts? IT'S THE BEST PATH - I LOVE IT LOL! If so, Part 1 & 2 are on sale separately now: Energetic Investment: Pay in Full - $277.50 2 - Monthly Payments of - $144 3 - Weekly Payments of $111 Click here to Purchase - Light Language Workshop 1 Click here to Purchase - Light Language Workshop 2 _______ Daily Support: The program I brought up for daily support is The Quantum Prayer Portalbecause daily prayer has changed my life and i've had some of my biggest manifestations just through prayer. 50 % Off Energetic Investment: $55.50 Monthly >

  Join Sarah for a special Friday Five episode all about the Medicare Prescription Payment Plan. Find out what insurance agents need to know – including how to get client-facing marketing materials that detail the Inflation Reduction Act changes coming to Medicare Part D in 2025.   Interested in the marketing materials Sarah mentioned during this episode? Contact our sales team at Ritter Insurance Marketing at https://www.ritterim.com/meet-your-sales-team Email the podcast at ASGPodcast@Ritterim.com Call our hotline and leave a voicemail at 1-717-562-7211 Learn more about MedicareCENTER at https://integrity.com/medicarecenter/   Resources: 5 FAQs About the Shop & Enroll Phaseout: https://link.chtbl.com/ASGF20240712 Agent's Guide to Social Media Communication Resources: https://link.chtbl.com/ASG606 Facebook Basics for Insurance Agents: https://link.chtbl.com/ASG607 Medicare Advantage & Part D Certification Info: https://link.chtbl.com/ASGN20240715 Preparing Clients for the New Medicare Prescription Payment Plan Program: https://ritterim.com/blog/preparing-clients-for-the-new-medicare-prescription-payment-plan-program/ Ritter Insurance Marketing Summits 2024: https://link.chtbl.com/ASDF20240719 The Medicare Part D Creditable Coverage Determination Changes for 2025 or Beyond: https://ritterim.com/blog/the-medicare-part-d-creditable-coverage-determination-changes-for-2025-or-beyond/   References: “The Biden-Harris Administration Releases Final Part Two Guidance to Help People with Medicare Prescription Drug Coverage Manage Prescription Drug Costs.” CMS.Gov, Centers for Medicare & Medicaid Services, 16 July 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-releases-final-part-two-guidance-help-people-medicare-prescription-drug “Biden-Harris Administration Issues Final Guidance to Help People with Medicare Prescription Drug Coverage Manage Prescription Drug Costs.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Feb. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-issues-final-guidance-help-people-medicare-prescription-drug-coverage “CMS Issues Additional Guidance on Program to Allow People with Medicare to Pay Out-of-Pocket Prescription Drug Costs in Monthly Payments.” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Feb. 2024, www.cms.gov/newsroom/press-releases/cms-issues-additional-guidance-program-allow-people-medicare-pay-out-pocket-prescription-drug-costs “CMS Issues Draft Guidance on New Program to Allow People with Medicare to Pay Out-of-Pocket Prescription Drug Costs in Monthly Payments.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Aug. 2023, www.cms.gov/newsroom/press-releases/cms-issues-draft-guidance-new-program-allow-people-medicare-pay-out-pocket-prescription-drug-costs “CMS National Training Program Live Events.” CMS National Training Program, Centers for Medicare and Medicaid Services, cmsnationaltrainingprogram.cms.gov/live-events Accessed 25 July 2024. “Fact Sheets Draft CY 2025 Part D Redesign Program Instructions Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, 31 Jan. 2024, www.cms.gov/newsroom/fact-sheets/draft-cy-2025-part-d-redesign-program-instructions-fact-sheet “Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 25 July 2024. “Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 25 July 2024. “Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf Accessed 25 July 2024. “Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 25 July 2024. “Medicare Prescription Payment Plan Implementation Timeline.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 July 2024, www.cms.gov/files/document/medicare-prescription-payment-plan-timeline.pdf Seshamani, Meena. “Medicare Prescription Payment Plan Draft Part Two ...” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Feb. 2024, www.cms.gov/files/document/medicare-prescription-payment-plan-draft-part-two-guidance.pdf   Seshamani, Meena. “Medicare Prescription Payment Plan Part 1 Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Aug. 2023, www.cms.gov/files/document/medicare-prescription-payment-plan-part-1-guidance.pdf     Follow Us on Social! Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, and Threads Tina on LinkedIn

Homeowners on Edge: Rising ARM Rates and San Jose ADU Trends In this episode, we discuss the potential impact of rising adjustable-rate mortgage (ARM) payments on thousands of homeowners, with a deep dive into the mechanics of these loans. We also explore the increasing ease of building backyard homes (ADUs) in San Jose, and the potential benefits and drawbacks of such additions. The pitfalls of overpricing homes in the current market and the broader impacts on inventory are covered, alongside this week's featured homes in Las Gatos and Santa Clara County's highs and lows. Lastly, we touch on the market trends, as well as give tips on home inspections. It's never been easier to build a backyard home in San Jose Los Gatos Home of the Week Price Reductions FREE HOME BUYER CHECKLIST HERE Home Inspection CHECKLIST HERE Santa Clara County High's and Low's What are your plans for the 4th of July? 00:00 Introduction and Overview 00:20 Adjustable Rate Mortgages Explained 01:31 Impact of Rising Rates on Homeowners 03:08 Commercial Real Estate Challenges 03:51 Home Inspection Checklist 04:59 Building Backyard Homes in San Jose 07:19 Real Estate Listings and Market Analysis 11:43 Conclusion and Key Takeaways --- Send in a voice message: https://podcasters.spotify.com/pod/show/siliconvalleyliving/message

Philip Deng is the Co-founder and CEO of Grantable, a world-class grant writing assistant powered by AI. In this episode, Philip explains the difference between using ChatGPT and Grantable, how to keep an authentic tone while writing grants with AI software, and how much you can trust the output of an AI. He also talks about why AI can't be used for research purposes, the best type of AI to use for grant writing, and why having a master grant template is so valuable. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to The Freelance Grant Writer Academy unti May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨The Nonprofit Consulting Conference ✨Episode 279: Chat GPT and AI for Grants: Revolutionizing Grant Writing with Grantable ✨Everything Inside the FGW Academy, Who It's For, & How to ✨Get Your Investment Back with One Sale Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Grant Easy Management Software Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

In this episode, Holly talks about the difference between male and female grant writers, the benefits of working from home as a mother, and the freedom that comes with being a freelance grant writer She also explains how to transition from working for a nonprofit to writing grants as a freelancer., how you can increase your income through freelance grant writing, and how to set up your business acumen skills. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Interested in Finding out More? Join the “Is the Freelance Grant Writer Academy for Me?” Live Call on Friday, May 10th at 4 pm EST. https://us02web.zoom.us/meeting/register/tZItc-qqqTkpE9UdmfsXGlkFc5mBFwFG9oPx Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨How Tiffany is Quitting Her Full-Time Job Early with Freelance Grant Writing ✨Why you struggle with pricing as a freelance grant writer with Rachel Waterman ✨Replace Full-Time Income on Flexible Hours as a Freelance Grant Writer Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Payton Murphy is a grants professional with experience in grant writing, research, management, and budget development. Payton explains how to articulate the value of your grant writing services, the benefits of looking at your job as if they are a client, and the sales strategies grant writers can use with nonprofits. She also talks about the business fundamentals behind grant writing, how to set up systems and processes to save you time when writing grants, and the difference between doing sales with non-profits and for-profit businesses. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

In this episode, Holly talks about the skills grant writers need to become business owners, how grant writers should design their service offerings, and why nonprofits often pay for people to join The Freelance Grant Writer Academy. She also explains the business acumen skills you learn in The Freelance Grant Writer Academy, the value of a master grant writing template, and how grant reviews can help grant writers and their nonprofits. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Interested in Finding out More? Join the “Is the Freelance Grant Writer Academy for Me?” Live Call on Friday, May 10th at 4 pm EST. https://us02web.zoom.us/meeting/register/tZItc-qqqTkpE9UdmfsXGlkFc5mBFwFG9oPx Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Grantable ✨Get your 9-5 to Pay for the Academy ✨Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Replace Full-Time Income on Flexible Hours as a Freelance Grant Writer Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Grace Pankin has been writing grants for Southern Nevada nonprofits for over 5 years, and within the last three of those years, she's helped to raise over 5 million dollars. Grace explains how she manages her grant writing time, networks with nonprofit clients, and prices her grant writing services. She also talks about how she increased her contracted hours with a current client, the different ways she improved her deliverables and customer service, and the value she got from having a new perspective on the grants she was writing. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to The Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Grants With Grace Consulting ✨Nonprofit Consulting Conference ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Kari is a Philadelphia-based grant writer specializing in small and start-up nonprofits, who has worked in the non-profit field for over a decade. Kari explains the business side of being a grant writing consultant, how to be properly valued as a grant writer, and how to effectively price your grant writing services. They also talk about the different deliverables grant writers should offer, the business and sales lessons they learned in the academy, and the value of being a part of a community of grant writers. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

In this episode, Holly talks about the importance of knowing the services and prices you offer, following an ethical sales system, and setting the right expectations when talking to nonprofits, She also explains how to present a business plan to a nonprofit, why freelance grant writers are often more desirable than in-house grant writers, and the skills you need to be a grant strategist. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Interested in Finding out More? Join the “Is the Freelance Grant Writer Academy for Me?” Live Call on Friday, May 10th at 4 pm EST. https://us02web.zoom.us/meeting/register/tZItc-qqqTkpE9UdmfsXGlkFc5mBFwFG9oPx Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨How Freelance Grant Writers Get Paid ✨Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Why Grant Writers Need to Stop Consulting for Free ✨Grant Easy Management Software Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. This episode, Academy Student Mapi Garcia discusses how she had a freelance grant writing business for two and a half years, but it wasn't until she joined the Freelance Grant Writer Academy that she was able to get consistent clients and revenue. Within four months of joining the Freelance Grant Writer Academy she has made $62,775 in her grant writing business, AND has her first ever retainer client, which has set her up for consistent cash flow. The system and reframe of how to set expectations with nonprofit clients has been a gamechanger for her. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250.  The doors are open to The Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ To learn more about this episode AND get the full links for each of these, click here: https://grantwritingandfunding.com/bonus Favor, please? If you love this podcast, would you please do me a favor and leave a review on iTunes or your podcast listener? This helps others find the podcast and I read each and every review! “Every time I listen to Holly's show, I learn something”

Isatou Bittaye-Jobe is a Grant Consultant specializing in gender justice, youth development, and human rights. Isatou explains why having a specific niche is so important, how to increase the conversion rate of your sales calls, and what you need to transition from employee to business owner. She also talks about how The Freelance Grant Writer Academy can support grant writers, the benefits of having a community of grant writers, and the type of goals you should have when entering the academy. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Olive Idehen is the founder and owner of Callive, LLC an independent organizational development consulting firm for small and medium sized social change and nonprofit organizations. Olive explains how to decide which nonprofits to work with, the strategic planning systems that can be created for onboarding clients, and the ways having a master grant template can help with prospecting. She also talks about the importance of pricing your grant writing services correctly, how she positioned herself as a more credible grant writer, and the ways that the Freelance Grant Writer Academy has supported her. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to The Freelance Grant Writer Academy unti May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Listen to the full Webinar Replay, "Replace Your Full-Time Income, on Flexible Hours, Writing High-Quality Grants Fast" and all of the live Q&A

**Doors OPEN! *** The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy In this episode, Holly talks about how long it takes to get your investment back from The Freelance Grant Writer Academy, the community of grant writers in the academy, and how they can support you. She also explains how the grant review service works, the systems grant writers should have to earn a profitable income, and how to have sales conversations with nonprofits ethically and helpfully. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Get your 9-5 to Pay for the Academy ✨Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Replace Full-Time Income on Flexible Hours as a Freelance Grant Writer Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Gwen Valentino is a grant administrator at NM Grant Writers, where she empowers local governments and nonprofit organizations by unlocking the full potential of grant funding. Gwen explains how she's streamlined her grant writing process through using the checklists and systems available in the freelance grant writing academy. She also talks about how to get returning customers as a grant writer, the different types of organizations grant writers can work with, and the impact having a website has had on her grant writing business. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Clark updates EV deals with Tesla now in the mix. Also, what to know about digital wallet options including Paze, a new entry from the big banks. Tesla Deals: Segment 1 Ask Clark: Segment 2 Digital Wallets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's wrong with Tesla? [The Washington Post] Ready or not, self-driving semi-trucks are coming to America's highways Should You Take Your Pension in a Lump Sum or Monthly Payments? Pension Benefit Guaranty Corporation: Home Page Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit The Family Digital Wallet Is A $26 Billion Deposit Opportunity For Banks NYTimes: The Youths Have Spoken: Wallets Are Lame. Go Digital. Millions of small businesses have a new reporting requirement. Here's what to know. Bogleheads Investing Advice and Info Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Doors of The Doctor Coach School™ are open. The Doctor Coach School™ is the only comprehensive coach training program for women doctors of color who want to hit $100K, creating income and impact outside their doctor job.It includes a curriculum on marketing, an entire training dedicated to running high-converting sales calls, training on how to utilize and develop your very own coaching tools and frameworks that get your clients results, and a simple process for how to launch your scalable group coaching offer.Join for $20K paid in full, 12 Monthly Payments of $1,667 or make a $500 deposit and use a third-party funding option.Click here to book a sales call with Dr. Kimmy.******************************************************************************When Dr. Yameika joined DCS, she knew she was in a transition phase. Medicine was not the end all be all for her-she wanted more.She knew she could help parents of children with an unexpected diagnosis cope with all of their fears and parent their children in a healthy, loving way, but she struggled to believe that people would actually buy her offer. She was also unsure about how to manage her full-time job with signing clients. Dr. Yameika has since mapped out her own intellectual property and grew her confidence in her ability to market and sell her offer. She conducted sales calls utilizing The Sales Call Prescription framework, and has been able to sign 3 $5,000 clients. She is excited about helping them to transform with her help.She went from being unsure if people would buy a high-ticket offer from her to making 5-figures as a brand-new Doctor Coach.Listen in as we get into her amazing story.Connect with Dr. Yameika: On InstagramOn FacebookLet's Connect: On Instagram On Facebook On LinkedIn On TikTok On my website

The Doors of The Doctor Coach School™ are open. The Doctor Coach School™ is the only comprehensive coach training program for women doctors of color who want to hit $100K, creating income and impact outside their doctor job. It includes a curriculum on marketing, an entire training dedicated to running high-converting sales calls, training on how to utilize and develop your very own coaching tools and frameworks that get your clients results, and a simple process for how to launch your scalable group coaching offer.Join for $20K paid in full, 12 Monthly Payments of $1,667 or make a $500 deposit and use a third-party funding option. Click here to book a sales call with Dr. Kimmy.******************************************************************************The last day to book your call is December 5th at 11:59 PM EST.When I tell you this is the best training that I have ever put together, and I have put together some fire trainings, so you know this was the best

  The Friday Five for February 23, 2024: Apple Music Replay Monthly FDA Approves Severe Frostbite Treatment New Audio Features from Samsung Medicare Prescription Payment Plan Program KFF Poll on Affordability & ACA: Takeaways for Agents   Ask the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Resources: 4 Perks of Partnering with an FMO: https://link.chtbl.com/ASG575 A Financial Snapshot of Medicare Beneficiaries in 2023: https://link.chtbl.com/ASGF20240209 Halfway Through Medicaid Unwinding: https://link.chtbl.com/ASGF20240216 Learning from Lost Medicare Insurance Sales: https://link.chtbl.com/ASG576 Social Media Marketing Apps: https://link.chtbl.com/ASGA52   Apple Music Replay Monthly: Apple Music introduces a monthly version of Replay: https://techcrunch.com/2024/02/20/apple-music-introduces-a-monthly-version-of-replay/ Apple Music Reply will recap listening habits monthly: https://www.theverge.com/2024/2/20/24078224/apple-music-reply-will-recap-listening-habits-monthly   FDA Approves Severe Frostbite Treatment: FDA approves first treatment for severe frostbite: https://www.cnn.com/2024/02/14/health/iloprost-frostbite-fda/index.html FDA Approves Iloprost for Severe Frostbite: https://www.medscape.com/viewarticle/fda-approves-iloprost-severe-frostbite-2024a10003cn?form=fpf US FDA approves first treatment for severe frostbite: https://www.reuters.com/business/healthcare-pharmaceuticals/us-fda-approves-first-treatment-severe-frostbite-2024-02-14/   New Audio Features from Samsung: Samsung details a host of audio upgrades coming to its phones, tablets, and TVs: https://www.theverge.com/2024/2/20/24078026/samsung-galaxy-buds-auracast-360-audio-auto-switch-support Samsung is upgrading a bunch of audio capabilities on its phones, tablets and earbuds: https://www.engadget.com/samsung-is-upgrading-a-bunch-of-audio-capabilities-on-its-phones-tablets-and-earbuds-133533584.html   Medicare Prescription Payment Plan Program: CMS Issues Additional Guidance on Program to Allow People with Medicare to Pay Out-of-Pocket Prescription Drug Costs in Monthly Payments: https://www.cms.gov/newsroom/press-releases/cms-issues-additional-guidance-program-allow-people-medicare-pay-out-pocket-prescription-drug-costs Draft CY 2025 Part D Redesign Program Instructions Fact Sheet: https://www.cms.gov/newsroom/fact-sheets/draft-cy-2025-part-d-redesign-program-instructions-fact-sheet Fact Sheet: Medicare Prescription Payment Plan: https://www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf   Maximum Monthly Cap on Cost-Sharing Payments Under Prescription Drug Plans: Draft Part One Guidance on Select Topics, Implementation of Section 1860D-2 of the Social Security Act for 2025, and Solicitation of Comments: https://www.cms.gov/files/document/medicare-prescription-payment-plan-part-1-guidance.pdf Medicare Prescription Payment Plan: Draft Part Two Guidance on Select Topics, Implementation of Section 1860D-2 of the Social Security Act for 2025, and Solicitation of Comments: https://www.cms.gov/files/document/medicare-prescription-payment-plan-draft-part-two-guidance.pdf Timeline: Medicare Prescription Payment Plan Implementation: https://www.cms.gov/files/document/medicare-prescription-payment-plan-timeline.pdf   KFF Poll on Affordability & ACA: Takeaways for Agents: Boost Your Commissions with a New HI Sales Strategy ft. Harry Rittner & Damon Logan: https://link.chtbl.com/ASG494 Cross-Selling Cancer, Heart Attack and Stroke, and Critical Illness Insurance: https://ritterim.com/knight-school/expand-dominate/cross-sell/6/ How to Cross-Sell Insurance: The Advisor Approach: https://link.chtbl.com/ASG409 KFF Health Tracking Poll February 2024: Voters on Two Key Health Care Issues: Affordability and ACA: https://www.kff.org/affordable-care-act/poll-finding/kff-health-tracking-poll-february-2024-voters-on-two-key-health-care-issues-affordability-and-aca/ Questions for our Sales Team? Reach out for answers: https://ritterim.com/meet-your-sales-team/

The Freelance Grant Writer Academy is a movement to help level out the freelance grant writer industry. Our movement is to change the paradigm, "I need a 9-5 for financial stability" to "My skills and systems provide financial stability." Specifically, we coach women freelancers to overcome past money and time trauma so that you step into financial stability and safety. Our curriculum, coaching, and processes provide the pathway to replace your full-time income while writing grants part-time. We teach you value-based pricing and ethical nonprofit sales. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The Academy is just One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, Jan. 21st at 11:59 pm EST. Click here to join the movement: https://grantwritingandfunding.com/freelance-grant-writer-course/

When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. Yes, you are investing, but it is a drop in the bucket compared to everything you get inside. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The Academy is just One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, Jan. 21st at 11:59 pm EST. >> Click here to join the Freelance Grant Writer Academy: https://grantwritingandfunding.com/freelance-grant-writer-course/

The Freelance Grant Writer Academy is the #1 Grant Writing and Nonprofit Sales Program in the Industry. When you join the Freelance Grant Writer Academy, you get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Join Now by clicking: https://grantwritingandfunding.com/freelance-grant-writer-course/ Each part of the Academy is a simple process, even if you work a full-time job. You get 12 months to do the curriculum and access the coaching: Business Curriculum: We help you figure out your services, get your business set up, manage your money, and manage your calendar! You will learn our very own Unique Industry Concept formula, where you will always STAND out. Pricing & Sales Curriculum: We teach you our Ethical Nonprofit Sales Strategy and Value-based Pricing. Walk into sales calls with confidence and never back down on your pricing again. Unlimited Customized Grant Reviews: We are the only program in the industry that offers grant reviews. We have been writing grants for 20 years and federal reviewers for 10 years. When we review your grants and give feedback, your grant success rate increases exponentially and you refine your grant writing skills. (We charge $2,500 for reviewing grants to the public. You get as many grants reviewed as you want throughout the entire program! This is a no-brainer). Twice per month Live Coaching Calls: Ask anything in our coaching calls from sales questions, dealing with troublesome clients, how to run a grant workshop, and more. And if you can't come, you can access a private podcast for all replays. Daily Slack Channel: Our expert coaches will respond to any question, and it's a great place to interact with your community. Personalized Business Feedback: Anything to do with your business, we look over and give you personalized feedback. This alone is HUGE as it's the little decisions in business that cause paralysis. Grant Writing Curriculum: You learn how to write a master grant template in 30 days. In fact, we have our 30-day Live Challenge to write a Master Grant Application starting Feb. 5th. Having grant experts even review ONE grant is easily worth the entire price of the program. Bonus Skill Curriculum: We also teach you how to get paid and facilitate Nonprofit Strategic Planning, a Nonprofit Wellness Audit, and a Grant Feasibility Study. When you join the Freelance Grant Writer Academy, you get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, Jan. 21st at 11:59 pm EST. Join Now by clicking: https://grantwritingandfunding.com/freelance-grant-writer-course/

Believe it or not, we still get a lot of questions about pensions. Just because there aren't many private companies that are still offering pensions, there are still many people that had them at a job 20 years ago and they have a choice to make or they are retiring from a state employee job. Whatever the case, one of the questions that people are trying to work through is do I take the lump sum on this pension or do I take the monthly income for the rest of my life? Heath Grossman, CFP® joins the podcast to walk us through that conversation because the answer won't be the same for everyone. It needs to be a part of the broader retirement income plan and we'll share a look into how to determine the best answer for you and your family.   Here's some of what we discuss in this episode: What type of person would benefit from the lump sum over the monthly payout and vice versa. How to utilize a hybrid approach to get the best of both worlds. Pension plan payouts are different and that could impact the decision. How does the interest rate environment change the decision?   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/     

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The Rich Zeoli Show- Full Episode (12/04/2023): 3:05pm- In her most recent New York Times article, journalist Li Yuan documents that an increasing number of Chinese citizens are fleeing their country and crossing the U.S. Southern border illegally. Yuan writes that “[t]he most harrowing part of their journey was trekking through the brutal jungle in Panama known as the Darién Gap.” Chinese citizens are willing to endure the strenuous migration in order to flee a totalitarian regime willing to torment its citizens. You can read the full article here: https://www.nytimes.com/2023/12/03/business/darien-gap-china-immigration.html 3:15pm- On Monday, North Dakota Governor Doug Burgum announced he will suspend his long-shot presidential campaign. According to RealClearPolitics polling averages, Gov. Burgum had only garnered 0.6% support from Republican voters. The Daily Beast reports that Burgum is considered a potential cabinet member, if Donald Trump were to win a second term as president. 3:25pm- While appearing on Fox News with Maria Bartiromo, House Oversight Committee Chairman James Comer (R-KY) revealed that there is now enough internal support from House Republicans to open a formal impeachment inquiry into President Joe Biden regarding money his family received from overseas business associates while serving as Vice President in the Obama Administration. 3:35pm- In a video posted to the Republican Caucus House Oversight Committee's X account, Chairman James Comer (R-KY) alleges that Owasco P.C., a Hunter Biden business, made direct monthly payments to then-Vice President Joe Biden, according to newly discovered bank records. Comer added: “Hunter Biden is under an investigation by the Department of Justice for using Owasco P.C. for tax evasion and other serious crimes.” You can read more here: https://www.nationalreview.com/news/bank-records-show-direct-monthly-payment-from-hunter-bidens-corporation-to-joe-biden/ 3:50pm- While appearing on ABC's This Week with George Stephanopoulos, former RNC Chairman Reince Priebus noted that if Democrats truly believed democracy is on the ballot in 2024, they would run a presidential candidate much stronger than Joe Biden. 3:55pm- While speaking with CBS News' John Dickerson, former Congresswoman Liz Cheney claimed Mike Johnson serving as Speaker of the House during the 2024 presidential election creates an “existential crisis.” She continued, “we have to ensure that we don't have a situation where an election that might be thrown into the House of Representatives is overseen by a Republican majority.” 4:05pm- On Friday, George Santos became the sixth congressman in U.S. history to be expelled from the House of Representatives. The House voted 311 to 114 in favor of removing him following numerous allegations of lying about his background and a 23-count indictment that includes allegations he “repeatedly, without authorization” charged donor credit cards—depositing funds into his own bank account. Meanwhile, Rep. Jamaal Bowman (D-NY) remains a member of the House of Representatives despite pleading guilty to pulling a fire alarm in the Cannon House Office Building just prior to the House holding its vote on a stopgap spending measure to avoid a government shutdown. As Rich notes, Bowman's only punishment was a modest fine and a written letter of apology. 4:10pm- While appearing on The View, Senator John Fetterman (D-PA) reacted to George Santos' expulsion from the House by stating that Senator Bob Menendez (D-NJ) should also be removed from office. Fetterman explained, “Menendez, I think is really a senator for Egypt. You know, not New Jersey. So, I really think he needs to go.” Menendez has been charged with acting as a foreign agent for Egypt, and with accepting bribes in exchange for influence. 4:15pm- Brandon Drey of The Daily Wire writes, “A subpoena request filed in Congress to grant lawmakers access to the flight logs connected to deceased financier and convicted sex offender Jeffrey Epstein was allegedly blocked last week by Sen. Dick Durbin (D-IL). Durbin, who leads the Senate Judiciary Committee, reportedly rejected the request brought forward by Tennessee Republican Sen. Marsha Blackburn in early November. She accused Durbin of standing in the way of certifying the request after a contentious committee meeting on Thursday.” You can read the full article here: https://www.dailywire.com/news/sen-blackburn-says-democrat-led-senate-committee-chair-blocked-epstein-flight-logs-subpoena 4:30pm- If Sen. Bob Menendez (D-NJ) were to resign from the U.S. Senate, would Gov. Phil Murphy (D-NJ) replace him with his wife Tammy Murphy? Last month, Tammy Murphy formally announced her intention to run for U.S. Senate challenging Menendez for his seat. 4:40pm- During Sunday's Eagles-49ers game, San Francisco linebacker Tre Greenlaw and Dom DiSandro, the head of Eagles security, were ejected from the game following a sideline scuffle that DiSandro attempted to break up. 5:05pm- Dr. Wilfred Reilly—Professor of Political Science at Kentucky State University & Author of “Lies My Liberal Teacher Told Me”—joins The Rich Zeoli Show to discuss his latest article at National Review, “There is No Trans Genocide.” Dr. Reilly writes: “Why do respected institutions continue to propound verifiably wrong conspiracy theories about how dangerous America is?” Rich and Dr. Riley also discuss a disturbing Pro-Palestinian protest in Philadelphia on Sunday night that consisted of anti-Semitic chants and the intentional targeting of a restaurant owned by an American-Israeli chef. Plus, the Canadian Human Rights Commission declares that Christmas is racist! You can read the full article here: https://www.nationalreview.com/2023/11/there-is-no-trans-genocide/. And you can pre-order Dr. Reilly's upcoming book here: https://www.amazon.com/Lies-My-Liberal-Teacher-Told/dp/0063265974. 5:40pm- Ellie Rushing of The Philadelphia Inquirer writes: “Two security guards at Macy's in Center City were stabbed, one fatally, inside the iconic department store Monday morning, police said. Shortly before 11 a.m., a 30-year-old man—identified by law enforcement sources as Tyrone Tunnell—attempted to steal some hats from the store at 13th and Market Streets. When security guards confronted Tunnell and retrieved the stolen items, he initially left without incident, said Interim Police Commissioner John Stanford. But about 10 minutes later, Tunnell returned, then approached one of the guards and started stabbing him, Stanford said. When a second security guard attempted to intervene, Stanford said, Tunnell slashed and stabbed that guard as well. One of the men, a 30-year-old who had been stabbed in the neck, died from his injuries at Jefferson Hospital a short time later.” You can read the full article here: https://www.inquirer.com/news/philadelphia/macys-stabbing-philadelphia-center-city-20231204.html 5:50pm- On Monday, North Dakota Governor Doug Burgum announced he will suspend his long-shot presidential campaign. According to RealClearPolitics polling averages, Gov. Burgum had only garnered 0.6% support from Republican voters. The Daily Beast reports that Burgum is considered a potential cabinet member, if Donald Trump were to win a second term as president. 6:05pm- Zach Jewell of The Daily Wire writes: “The Biden administration is pushing countries to ‘accelerate' their climate action and spending $3 billion in taxpayer dollars as a pledge to climate and ‘gender equity' funds, the White House announced Saturday… Buried deep in the White House fact sheet are commitments to advancing ‘gender equity amid climate change,' which include an additional $449 million for new programs such as Global Girls Creating Change, a program that seeks to give 900 girls and young women in 29 different countries ‘professional opportunities in the sustainable economy.'” You can read the full article here: https://www.dailywire.com/news/white-house-announces-3-billion-for-green-projects-overseas-including-nearly-500m-for-gender-equity 6:20pm- During a speech at the 2023 United Nations Conference on Climate Change, U.S. Special Presidential Envoy for Climate John Kerry said that coal fired power plants should not be permitted to exist anywhere in the world. 6:35pm- While speaking in Dubai, Vice President Kamala Harris bizarrely said it was necessary to “revitalize the Palestinian Authority” in response to war between Israel and Hamas. 6:40pm- While speaking with Kristen Welker on NBC's Meet the Press, Gov. Ron DeSantis (R-FL) declined to answer whether the Iowa caucus is “do or die” for his presidential campaign. 6:50pm- During Monday's press briefing, White House Press Secretary Karine Jean Pierre was asked if the Florida Democrat Party cancelling their presidential primary amounted to “voter suppression.” Unsurprisingly, Jean Pierre refused to answer.

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AutoTrader Vice-president of Insights and Intelligence Baris Akyurek leans on his wealth of data to break down current average listing prices, the inventory crunch, and how much Canadians are paying on a monthly basis for vehicles.

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 MAKING ONLY $28,000 A YEAR 05:14 Why are you spending all this money?! 09:50 MISSING HIS DEBT PAYMENTS 12:16 "The bad credit card" lol 17:05 FINANCING A WASHER AND DRYER FOR HIS GRANDPARENTS!!! 24:30 Long car debt... 26:40 Student debt for no degree 29:40 You might be screwed, dude... 33:30 Time to BUDGET 36:00 YOU NEED TO IMPROVE YOUR OWN LIFE FIRST!! 40:00 Clean up this mess... 45:00 This is going to take a very long time 54:07 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 Job and income 02:40 Her finances are really bad! 04:15 OVERDRAFTING 04:30 Public 06:05 OVERDRAFTING p2 08:50 HOW CAN YOU POSSIBLY JUSTIFY THIS 11:40 She wants to do YouTube 12:55 No retirement... 18:35 DISGUSTING personal loan! 23:35 Terrible credit car debt... 25:32 I made her cry 32:25 More credit card DEBT 38:40 I'm scared for your future... 46:00 COLLECTIONS 48:40 Budget, budget, budget! 54:45 CLEAN THIS UP 01:04:40 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Jordan Rich filled in on NightSide:Last week SCOTUS shot down Biden's student loan forgiveness plan, which means millions of borrowers must now plan for the return of payments. To help prepare, Jordan spoke with Donald Kerr, Director of Student Lending and College Services at AAA Northeast Bank.

Buy my stuff Come to rebel capitalist live at https://rebelcapitalistlive.comCheck out my private, online investment community (Rebel Capitalist Pro) with Chris MacIntosh, Lyn Alden and many more for $1!! click here https://georgegammon.com/proRebel capitalist merchandise https://www.rebelcapitaliststore.com

It's getting harder for the average American to be able to afford a new car.  Prices rose during the pandemic and it doesn't appear they'll be coming down anytime soon. For more, KCBS Radio's Holly Quan spoke with Bloomberg News automotive reporter David Welch.

Happy New Year! In today's solo show, Chelsea Dives deep into calling in your New Year Manifestaitons and creating momentum to Rise into your Higher Self for 2023.  There is so much power in your intetnions, and releasing the toxicity to create space for more of what you desire.  Dive in to learn more, and share your takeaways with Chelsea on Social Media. IG: @thechelseaholden FB: @thechelseaholden All the Ways to Work With Chelsea in 2023: 1. Lessons to Love on - Oracle eBook      Pre-Order - $11.11 2. Join Aligned Sobriety - 6 Week Group Experience ($777 or 2 payments of $399)      Join + Pay in Full - $777      2 Monthly Payments - $399 3. R.I.S.E. Bundle - 3 Part Masterclass Series      $88 - Instant + Lifetime Access 3. Curiostity Call for Private Mentorship      Book You Call      3 & 6 Month Packages - Starting at $5,000 4. To hire Chelsea for Speaking, Guest Expert Coaching, or Podcast Interview      Email: chelsea@thechelseaholden.com Big Love from Chelsea Holden, LLC & the Cuppa Chels Podcast

GSD Mode Podcast "Weekly Real Estate Tip" with Joshua Smith discussing the massive opportunities that exist currently and that will continue to exit for Real Estate Agents, Team Leaders and Brokerage Owners during this potential Real Estate Market Crash...

GSD Mode Podcast with Raymond Nadeau and Joshua Smith. Raymond first got His Real Estate License back in 1997 and started His Real Estate Brokerage in 2000... In this GSD Mode Podcast Interview we break down Raymond's Real Estate Journey, how He has adapted during the different market shifts (2000 Crash, 2008 Crash, Etc), how He has adapted with all the Technology shifts & how He is crushing it today with Google My Business and Facebook Ads (scroll below for Raymonds contact info)...

Cook County President Toni Preckwinkle is urging people to apply for a guaranteed income program called the Cook County Promise. About 32,000 applications will be chosen at random, and the winners get those monthly $500 payments for two years to spend however they choose. Reset checks in with Preckwinkle about the basics of the program. We also hear from Rachel Pyon with Equity and Transformation, a group of activists that have started their own guaranteed income program in West Garfield Park.

What's your abundance mindset like for your business? The business world is full of entrepreneurs who have achieved great things, despite limited resources. This is because they have embraced an abundance mindset, which allows them to see opportunity where others see only scarcity. When you have an abundance mindset, you believe that there is enough for everyone and that success is not a zero-sum game. This belief frees you from the limitations of your own self-doubt and enables you to take risks that lead to new opportunities. It also allows you to attract like-minded people and build collaborative relationships that are essential for business success. If you want to achieve greater success in business, embrace an abundance mindset and let go of your limiting beliefs. You'll be amazed at what you can achieve. Thank you for listening and sharing! Links mentioned in the podcast: Beyond Basic- Free Private FB Group https://www.facebook.com/groups/beyondbasic $22 Audios- Recorded/Lifetime Access Freedom (From Overthinking)  https://py.pl/26koL1 Believe (Key to Manifesting)  https://py.pl/tN9fc Success (5 Codes)  https://py.pl/27dTAa Release (The Overwhelm)  https://py.pl/2IAM67 Upcoming Masterclass | Workshop- Masterclass | Workshop & Audio Per Month Bundle https://www.paypal.com/instantcommerce/checkout/UDEXW4AZ3L9VC   Melanie Ann Layer and The Alpha Femme Experience (AFE) https://www.melanieannlayer.com/alphafemmeexperience?affiliate_id=3940875   Amanda Frances- Money Mentality Makeover Couse https://dj613.isrefer.com/go/mmmc/melindavf/ Blog site Medium.com https://medium.com/@melindavf Free Believe & Take Action Daily Guide, courses, links to both podcasts, books, etc. on my websites that connect: https://thegoodkarmasuccesscoach.com/ and https://melindavanfleet.com/ Connect further: FB, LI, TW or IG @melinda_vanfleet 1:1 Coaching Links: Per Month/3 Month Commitment $2,100; 3 Monthly Payments https://www.paypal.com/instantcommerce/checkout/5RDZCV28N5BEJ Pay in Full (PIF) 3 Months $6,000 https://www.paypal.com/instantcommerce/checkout/6KP7PT7WRNYUE 3-month Voxer with three 45-minute calls (one a month) $2,499 (PIF) https://www.paypal.com/instantcommerce/checkout/QJUET4MHMXQZY 3-month Voxer with three 45-minute calls (one a month) $933 (a month/monthly payments) https://www.paypal.com/instantcommerce/checkout/YRN3TJAHDDXGJ One 1:1 Laser Session $333 (PIF only) https://www.paypal.com/instantcommerce/checkout/EHD5KAHW3ZLAL Other inquiries: info@melindavanfleet.com  

I love how things come together! This monthly joint podcast episode with my husband, Ryan Van Fleet of Good Karma Sportfishing and the Good Karma Sportfishing Podcast, shares something we discussed regularly in our household- Mojo and Manifestation. It ties in with a recent teaching and module from the incredible Melanie Ann Layer. I am in her year-long coaching container called The AFE- Alpha Femme Experience. Listen to the episode for all the details about manifestation and how it relates to your mojo. Think about how this fishing charter example and the framing Melanie had shared, can be applied to your life and business so you can dream bigger and manifest faster! Thank you for listening and sharing! Links mentioned in the podcast: Beyond Basic- Free Private FB Group https://www.facebook.com/groups/beyondbasic $22 Audios- Recorded/Lifetime Access Freedom (From Overthinking)  https://py.pl/26koL1 Believe (Key to Manifesting)  https://py.pl/tN9fc Success (5 Codes)  https://py.pl/27dTAa Release (The Overwhelm)  https://py.pl/2IAM67 Upcoming Masterclass | Workshop- “Masterpiece” Next Level Creation— 2 Day Experience 9/27 and QA 9/29 https://py.pl/1XicHh Masterpiece Next Level Creation- 2 Day Experience Sept 27th and Sept 29th https://www.paypal.com/instantcommerce/checkout/J74WUFHXRSL9A Masterclass | Workshop & Audio Per Month Bundle https://www.paypal.com/instantcommerce/checkout/UDEXW4AZ3L9VC Melanie Ann Layer and The Alpha Femme Experience (AFE) https://www.melanieannlayer.com/alphafemmeexperience?affiliate_id=3940875  Amanda Frances- Money Mentality Makeover Couse https://dj613.isrefer.com/go/mmmc/melindavf/ Blog site Medium.com https://medium.com/@melindavf Free Believe & Take Action Daily Guide, courses, links to both podcasts, books, etc. on my websites that connect: https://thegoodkarmasuccesscoach.com/ and https://melindavanfleet.com/ Connect further: FB, LI, TW or IG @melinda_vanfleet 1:1 Coaching Links: Per Month/3 Month Commitment $2,100; 3 Monthly Payments https://www.paypal.com/instantcommerce/checkout/5RDZCV28N5BEJ Pay in Full (PIF) 3 Months $6,000 https://www.paypal.com/instantcommerce/checkout/6KP7PT7WRNYUE 3-month Voxer with three 45-minute calls (one a month) $2,499 (PIF) or Monthly Payments https://www.paypal.com/instantcommerce/checkout/QJUET4MHMXQZY https://www.paypal.com/instantcommerce/checkout/YRN3TJAHDDXGJ One 1:1 Laser Session $333 (PIF only) https://www.paypal.com/instantcommerce/checkout/EHD5KAHW3ZLAL Other inquiries: info@melindavanfleet.com  

Honestly, recording this Good Karma Success Coach Podcast episode was challenging as it is a sensitive subject to many people- triggers and trauma. However, I have pushed past my voice being small, prayed that I don't offend or trigger people...because there are likely the people that need to hear it. That's what being a good coach and mentor is about. We talk about the hard stuff. In that, you may not like what I have to say, but it's meant to be heard to change a life. I also talk about Human Design, Therapy and Melanie Ann Layer's AFE which I am proud to be a part of- two years now. Affiliate link below. https://www.melanieannlayer.com/alphafemmeexperience?affiliate_id=3940875 Thank you for listening and sharing! Links mentioned in the podcast: Beyond Basic- Free Private FB Group https://www.facebook.com/groups/beyondbasic $22 Audios- Recorded/Lifetime Access Freedom (From Overthinking)  https://py.pl/26koL1 Believe (Key to Manifesting)  https://py.pl/tN9fc Success (5 Codes)  https://py.pl/27dTAa Release (The Overwhelm)  https://py.pl/2IAM67 Upcoming Masterclass | Workshop- “Masterpiece” Next Level Creation— 2 Day Experience 9/27 and QA 9/29 https://py.pl/1XicHh Masterclass | Workshop & Audio Per Month Bundle https://www.paypal.com/instantcommerce/checkout/UDEXW4AZ3L9VC   Amanda Frances- Money Mentality Makeover Couse https://dj613.isrefer.com/go/mmmc/melindavf/ Blog site Medium.com https://medium.com/@melindavf Free Believe & Take Action Daily Guide, courses, links to both podcasts, books, etc. on my websites that connect: https://thegoodkarmasuccesscoach.com/ and https://melindavanfleet.com/ Connect further: FB, LI, TW or IG @melinda_vanfleet 1:1 Coaching Links: Per Month/3 Month Commitment $2,100; 3 Monthly Payments https://www.paypal.com/instantcommerce/checkout/5RDZCV28N5BEJ Pay in Full (PIF) 3 Months $6,000 https://www.paypal.com/instantcommerce/checkout/6KP7PT7WRNYUE 3-month Voxer with three 45-minute calls (one a month) $2,499 (PIF only) https://www.paypal.com/instantcommerce/checkout/QJUET4MHMXQZY One 1:1 Laser Session $333 (PIF only) https://www.paypal.com/instantcommerce/checkout/EHD5KAHW3ZLAL Other inquiries: info@melindavanfleet.com    

Although most people know when their financial commitments, like loan payments, are due each month, many are missing their payments because they simply forgot. WSJ personal-finance reporter Veronica Dagher joins host J.R. Whalen to discuss why behavioral economists say this is happening, and steps people can take to get back on track. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on Daily News You Can Use, Ray and Zach discuss the latest Q2 sales data from the auto industry. Even with sales down 24% car prices are still selling at record high levels. General Motors reclaimed their "most cars sold" crown, and we have an update on the chip shortage. Be sure to tune in!