Podcasts about paying

Yascha Mounk and Francis Fukuyama delve into 9/11, the hubris of humanitarian intervention, and the letter he regretted signing. Francis Fukuyama is the Olivier Nomellini Senior Fellow at Stanford University. His latest book is In the Realm of the Last Man. He is also the author of the “Frankly Fukuyama” column at Persuasion.  In this week's conversation, Yascha Mounk and Francis Fukuyama discuss why Fukuyama initially supported the Iraq War and what changed his mind, how the neoconservative movement's experience of Eastern Europe shaped its disastrous assumptions about the Middle East, and what his break with former colleagues cost him personally and professionally. Enjoying this discussion? In an event exclusively for readers of American Purpose and Persuasion, Yascha Mounk will be interviewing Francis Fukuyama about his life and thought at 5pm on Sunday, September 6 at The Abbey Centre, London. Find out more and get tickets here. Paying subscribers of Persuasion and American Purpose can access a code for a free ticket here. We're delighted to feature this conversation as part of our series on Liberal Virtues and Values. This series, made possible with the generous support of the John Templeton Foundation, features content making the case that liberalism has its own distinctive set of virtues and values that are capable not only of responding to the dissatisfaction that drives authoritarianism, but also of restoring faith in liberalism as an ideology worth believing in—and defending—on its own terms. If you have not yet signed up for our podcast, please do so now by following ⁠⁠this link on your phone⁠⁠. Email: leonora.barclay@persuasion.community Podcast production by Jack Shields and Leonora Barclay. Connect with us! ⁠⁠Spotify⁠⁠ | ⁠⁠Apple⁠⁠ X: ⁠⁠@Yascha_Mounk⁠⁠ & ⁠⁠@JoinPersuasion⁠⁠ YouTube: ⁠⁠Yascha Mounk⁠⁠, ⁠⁠Persuasion⁠⁠ LinkedIn: ⁠⁠Persuasion Community Learn more about your ad choices. Visit megaphone.fm/adchoices

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Are you spending your time, energy, and attention on financial optimizations that barely move the needle? In this episode, Dr. Jim Dahle and Tyler Scott, President of Planning at White Coat Planning, work through a series of real listener questions, from Trump account contribution rules and gift tax exclusions to HSA family contribution limits and 457 plan quirks, and use each one to illustrate a bigger point. Some financial moves genuinely change your outcome. Others feel productive but barely register. They walk through examples of both. A listener trying to squeeze out a few extra months of tax-free growth by pre-funding a solo 401(k) contribution gets a gentle but clear answer: the impact is measured in hours, not years. Meanwhile, using a mega backdoor Roth option in that same account, or choosing tax-efficient accounts for early retirement withdrawals, can genuinely shift a retirement date by months or years. Tyler also introduces his framework of the four currencies of life, money, time, energy, and attention, and how understanding which one you're actually spending helps clarify which optimizations are worth pursuing. The takeaway is not that details do not matter. It is that knowing which details matter is the real skill. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

We continue our conversation about the moon landing with a play-by-play of how Apollo 11 made its way to the surface; a conspiracy-by-conspiracy debunking of the popular "it was fake" myths; and a look at the role that space exploration plays in our modern politics.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

Your best advertising isn't an ad – it's someone else's shelf. And "just go direct" probably talked you out of it. Everyone is telling premium brands to cut out the middleman and go direct-to-consumer. In this episode of The Brand Marketing Show, I make the case for the channel most premium brands undervalue: why the right stockist is some of the best advertising money can't buy, why direct and wholesale grow each other when you stop undercutting yourself, why the right shop is the fullest expression of your brand rather than a loss of control, and how to design your channel mix on purpose. It's not "wholesale good, direct bad" – it's the right mix for your particular brand, buyer and economics. Want help designing yours on real numbers? A Brand Growth Strategy Session is where that starts: https://productpreneurmarketing.com/lets-talk Find this episode and more at productpreneurmarketing.com/episode-329

Moving out of the family home can be a big first step at whatever age you do it. Paying bills, budgeting, shopping, and importantly cooking for yourself. In this programme Rumella Dasgupta asks what dishes you should be able to cook when you leave home for the first time. Rumella meets chef and food writer Claire Thomson and her daughter Grace Williamson in their kitchen in Bristol, England. Claire's latest cookbook, 'Dear Grace: Recipes from Your Mother for the Next Chapter in Life', was written when Grace left home for university a year ago. At Salford Youth Zone, a youth centre in the North of England, Rumella talks to teenagers about how confident they feel in the kitchen. Shahpar Salim in Bangladesh talks about the challenges of leaving home for a new country when she came to the UK for her studies. Food writer and editor Yeonjoo Jung explains why young people often live at home throughout their twenties in South Korea. And mothers in the United States tell us how mealtimes changed once faced with the so-called 'empty nest'. If you would like to get in touch with the show, please email: thefoodchain@bbc.co.ukProduced by Beatrice Pickup. (Image: a young woman standing in a green open doorway holding a suitcase and looking hopeful. Credit: Getty Images)

Kansas Schools are Ready for Court, Election Reaction, AOC 2028 and States Paying You to Not Drive | 8-12-26See omnystudio.com/listener for privacy information.

Many people think financial planning is mostly about investing and saving money. The reality is that some of the biggest financial decisions happen before you ever invest a dollar. In this episode of The Budgetdog Breakdown, I answer real listener questions about protecting your income with disability insurance, combining finances before marriage, understanding the backdoor Roth IRA, deciding whether to pay off your car early, and determining how much a wedding should really cost. We discuss why protecting your ability to earn is so important, how couples can create a shared financial system, why the backdoor Roth isn't as complicated as it sounds, and how to think about debt versus investing. Money isn't just about math. It's about making decisions that protect your family and align with what you actually value. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:18 The insurance most people forget 01:25 Combining finances before marriage 03:52 Understanding the backdoor Roth IRA 05:41 Paying off your car vs. investing 07:32 How much should a wedding cost? 09:39 Final thoughts Key Takeaways • Protecting your income is just as important as protecting your life • Financial transparency is essential in marriage • A backdoor Roth IRA is a legal strategy for accessing Roth contributions when income limits apply • Paying off debt provides a guaranteed return equal to the interest avoided • Major purchases should reflect your values, not social pressure • Financial systems make difficult decisions easier Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Protect your family in every single potential scenario." "Money isn't just about math. It's about behavior." "Are you doing what is right for you, or are you just keeping up with the Joneses?" The goal isn't to make every financial decision perfectly. It's to build a system that protects your family, supports your goals, and lets you spend your money intentionally.

CONTACT: sponsors@LilyandBaeEnt.comWhat's actually the bare minimum in a relationship… and when does it cross the line into being spoiled? Flowers? Paying all the bills? Sharing locations? Planning every date? Taking your car to get gas?

On this episode of Millennial Debt Domination, Katie highlights building a financial plan while paying off student loans.  If you're juggling student loan payments while trying to build a future, saving, investing, maybe even dreaming about buying a home, you're not alone. For many millennial and Gen Z listeners, student debt is part of the financial starting line, not the finish line. And while it can feel like those monthly payments are holding you back, the truth is: you don't have to wait until your loans are gone to start building a solid financial plan. On this episode, Katie is joined by Skyler Fleming, financial planner and host of Money Talk.  Katie and Skyler discuss balancing debt repayment with saving and investing, deciding which financial goals to prioritize, and how to avoid feeling like you must choose between paying off debt and building your future.  Follow Navicore on Social Media: X: @NavicorePR Instagram: @navicoresolutions Facebook: NavicoreSolutionsPR More questions for Katie? E-mail us: olm@navicoresolutions.org About Navicore Solutions: We are a national nonprofit provider of financial education and compassionate personal finance counseling. We can help you gain control of your finances. A debt-free future is possible. Learn more about us here: http://navicoresolutions.org/     

Alina Vehuni was that perfect girl. Silent most of her life, meeting every demand placed on her, putting herself last, because somewhere in childhood she learned that love had to be earned. Then, in her late 40s, her mother found out she was dating a man with a different skin color and gave her an ultimatum. Family, or him. This is what happens when love comes with conditions for long enough: you stop noticing the price tag until someone finally asks you to pay it in full. Alina paid it. She chose herself. Her mother stopped speaking to her for a period of time. If you've ever gone quiet to keep the peace and called it love, you already know this one. Once she made that choice, the silence didn't stay contained to her mother. She started speaking up in places she'd stayed quiet for years, in her work, in a podcast she'd been sitting on for years, everywhere she'd been the perfect girl instead of herself. Here's what it cost her to finally stop paying:

Canada's growing debt isn't just a problem for governments; it could shape the future for younger generations.Sabrina Maddeaux and Mike Moffatt explore how government debt, Old Age Security (OAS), and spending choices shift wealth between generations. They discuss whether wealthy seniors should receive full OAS benefits and how younger Canadians may be paying more through higher taxes, housing costs, and rising debt.While not all debt is harmful, borrowing for long-term investments like infrastructure, transit, housing, and energy can be beneficial, borrowing to sustain costly programs is more controversial and raises questions about long-term fiscal sustainability.The key question: Is Canada placing too much of the financial burden on younger generations?Topics covered:• Canada's rising public debt and interest costs• Old Age Security (OAS) and wealthy seniors• Intergenerational wealth transfers• Why government debt is rarely fully “paid off”• Infrastructure investment vs. program spending• The Gordie Howe Bridge and public investment• Inflation, money creation, and debt• Housing, taxes, and affordability for younger Canadians• OAS reform and fiscal trade-offsChapters:01:28 OAS: The $100 Billion Problem Hiding in the Budget02:09 Why Wealthy Seniors Still Get Old Age Security03:28 When Government Debt Is Actually a Good Thing05:29 Who Should Pay for Infrastructure That Lasts 100 Years?06:00 The Gordie Howe Bridge and the Case for Government Debt06:53 The Truth About How Government Debt Gets Paid Off08:49 Why Canada's Growing Debt Still Matters09:16 How Government Debt Can Fuel Inflation10:18 What Happens When Governments Can't Borrow?11:38 Why Deficits Are Especially Dangerous for OAS12:08 Should Canada Cut Old Age Security?13:10 Are Younger Canadians Giving Up on Canada?13:58 There's No Easy Way to Fix the Intergenerational Wealth Gap14:55 Why Younger Canadians Want Lower Taxes16:20 Why Tax Cuts Aren't Fixing the Generational Divide16:46 When Government Debt Makes Sense—and When It Doesn'tResearch/Links:As Canada faces crippling debt, it must do the unpopular thing and cut elderly benefitshttps://www.theglobeandmail.com/business/commentary/article-canada-debt-cut-elderly-benefits/Scott Gallowy Short:https://youtube.com/shorts/PAAbLq1bJY0?si=9-Z06rW1H8tiQW-kCanadian taxpayers face up to $3,348 each in government debt interesthttps://www.wealthprofessional.ca/news/industry-news/canadian-taxpayers-face-up-to-3348-each-in-government-debt-interest/392762The Burdens of borrowing: Government debt and intergenerational fairnesshttps://www.if.org.uk/2025/01/28/the-burdens-of-borrowing-government-debt-and-intergenerational-fairness/G7 debt is now a pressure point for anxious marketshttps://www.reuters.com/world/china/g7-debt-is-now-pressure-point-anxious-markets-2025-06-03/The evolution of federal debt interest costs in Canadahttps://www.fraserinstitute.org/commentary/evolution-federal-debt-interest-costs-canadaCanada's combined federal-provincial government debt estimated to surpass $2.4 trillion in 2025/26https://www.fraserinstitute.org/studies/growing-debt-burden-canadians-2026-editionIntergenerational Injustice in Canadian Public Financehttps://www.gensqueeze.ca/intergenerational_injustice_in_canadian_public_financeHosted by Mike Moffatt & Cara Stern & Sabrina MaddeauxProduced by Meredith MartinFunded by the Neptis Foundation https://neptis.org/

For the twenty-ninth installment of “50 Weeks That Shaped America” we go to 1969 and the United States victory in the race to the moon. Jody, Niki, and Kellie discuss John F Kennedy's speech setting the goal of reaching the moon; how the program continued after his death; and the questions about whether going to the moon was a wortwhile endeavor given all the problems here on Earth.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

The percentage of paid claims appears to be dropping industry-wide, over time. https://www.lehtoslaw.com

In this solo "drill-down" episode, host Tyler Kamerman connects the dots across recent conversations with leadership coach Allie Jones, marathoner and wellness leader Zach Schmit, and nonprofit veteran Mary Core. Inspired by a message Tyler recently delivered at Red Rocks Ministry in Pella, Iowa, the episode centers on a simple yet life-changing three-word declaration: "Here I am." Tyler breaks down how true purpose isn't built on surface-level pleasantries or waiting until you have all the answers, but on stepping out with authentic availability. From shifting out of artificial politeness into courageous "Iowa Kind" compassion to taking 30-minute quiet walks without headphones, this conversation challenges listeners to stop living on autopilot and start leaning into intentional impact. Tyler weaves together physical discipline, emotional resilience, and community stewardship to map out what a "Here I Am" posture looks like in everyday life. You'll discover why leaning into chosen hardships builds the psychological and spiritual armor needed when unchosen life trials strike, how dialing in sleep quality directly fuels your capacity to serve, and why "paying your civic rent" through community involvement transforms both recipient and giver. God isn't searching for the most credentialed, wealthy, or naturally talented person in the room—He's looking for those willing to raise their hand, step into the messy middle, and say, "Use me." Key Takeaways Trade "Nice" for "Kind": Real connection requires moving past artificial politeness into authentic, courageous availability where "clear is kind, unclear is unkind." Embrace Chosen Hardships: Intentionally leaning into difficult physical and mental disciplines builds the spiritual and mental armor required when unchosen life trials hit. Optimize Your Health Foundation: Build long-term resilience by dialing in the foundational pillars of sleep: quality, quantity, and consistency. Pay Your Civic Rent: Actively invest back into the communities you consume benefits from by volunteering, mentoring, and building safety nets for the next generation. Uncover Your Strengths Through Community: Ask 3–4 trusted friends why you're friends and what value you bring to their lives to discover the unique, God-given gifts you can offer the world. To connect with Tyler: https://www.tylerkamerman.com/

12 - Ron Johnson is hot on Fauci's tail! 1210 - Side - associated with the farm 1215 - Welcome to Woke 2.0! 1220 - Your calls. 1230 - When did Corey become the School Choice Evangelist? Corey DeAngelis joins us today as we find out more about COVID behind the scenes. How much of a farce were the CDC guidelines after the Teachers Unions got after them? Are people going to donate once people hear about the benefits of school choice credits? Who is Corey going to be debating in PA? 1250 - The University of Michigan is lowering the standard to the ground for incoming freshman. 1 - Does Trump need three Air Force Ones? 105 - Your calls. 115 - Will self-driving buses come to SEPTA? 120 - More of your calls. 150 - Senator Jarrett Coleman has a proposal that would benefit cyclists in Pennsylvania. Do you like it? 2 - Whoops! Went long on that last segment. 210 - Your calls. 215 - Dom's Money Melody! 220 - Chairman of Do No Harm, Dr. Stanley Goldfarb joins us here today. What does he think about the development of de-transitioning centers for kids? Will this lead to less states performing the gender changing operation and procedures? What does he think of CHOP's decision to keep performing these procedures? Has woke been beaten down enough on this issue? 225 - Who is feeling like they're in a chokehold? 240 - What's the latest crisis in Italy? Would Frank in South Philly know anything about it? 250 - The Lightning Round!

Most shop owners who invest in shop management software are using maybe a third of what they're paying for. They swap the old manual process for a digital one, call it an upgrade, and move on. But that's not an upgrade; it's just a translation.In this episode of Maximum Octane, Jason Patel sits down with Brett Kinsfather and Zack Buffum from Shopmonkey, a shop management software platform that's been in the space since 2017 and now runs a team of over 220 people. Brett comes from a deep background in automotive and focuses on industry partnerships and education. Zack is the director of training and operations and was there almost from the beginning. Together, they bring both the shop-floor perspective and the software side of the equation.The conversation covers a lot of ground: why shops keep bolting new software onto broken processes and then wonder why nothing changes, what Shopmonkey sees as the most underutilized features across the industry (DVIs and canned services top the list), and how fewer than 15 percent of auto repair shops have a functioning DVI in place despite the technology being available for nearly a decade. They also get into the customer experience conversation, what it really means to map the full customer journey, why a shop's competition for experience is not the shop down the street but every great experience that customer has ever had, and how to make vendor relationships actually work in both directions.Tune in to episode 145 of Maximum Octane if you have shop management software and a nagging feeling you're not getting everything out of it, or if you're thinking about switching platforms and want a clearer sense of what to look for and how to implement it right.Episode Takeaways:04:15 The Shopmonkey Foundation and "Maintenance for Moms": why the company built a nonprofit from day one and what it says about how they run the business09:24 The real mistake shops make with new software12:15 Tools cannot replace processes17:47 Why DVIs and canned jobs are the two most underutilized features in shop management software19:44 Less than half of shops use DVIs at all, and less than 15 percent have one properly implemented21:00 Why Brett recommends auditing your DVI usage every six months, not just at implementation26:21 A shop's real competition for customer experience is not the dealership down the road30:27 How to actually get more out of your software vendor36:39 How Shopmonkey rebuilt its support structure after realizing customers couldn't reach a real personConnect with Zack Buffum:LinkedInConnect with Brett Kinsfather:LinkedInVisit Shopmonkey's websiteLet's connect:WebsiteLinkedInFacebookEmail: info@maximumoctane.com Hosted on Acast. See acast.com/privacy for more information.

On this episode of the Plug N Play Podcast, Henry breaks down the now completed EA leveraged buyout with Saudi Arabia. How will EA get out of this financial pickle? We also go over the new GTA 6 exclusive showing being behind a Netflix paywall. Is this too far or just far enough in our capitalist society? Impressions this week are on Neva, the beautiful game about fighting black blobs with a wolf, and one of the best reviewed game of last year. And Big Walk, one of the best reviewed games of THIS year and an interesting co-op adventure. Do either of these live up to the hype? Tune in to find out!Feel free to send us a question at plugnplaypodcast1@gmail.com for a chance to have it read out on the show!Get 10% off your order of DUBBY energy drinks with code PLUGNPLAY! Link here: https://www.dubby.gg/discount/PLUGNPLAY?ref=lcphqeeoX/Twitter: https://x.com/PlugNPlayPod1Instagram: https://www.instagram.com/plugnplaypod1/TikTok: https://www.tiktok.com/@plugnplay397Spotify: https://open.spotify.com/show/7dE5501VjBjk9XbQdxvIG3Apple Podcast: https://podcasts.apple.com/kh/podcast/plug-n-play-podcast-video-game-news-and-reviews/id1725685950YouTube: https://www.youtube.com/channel/UC0kfqx6YQ5xqXRfaKRO8wJwLinktree: https://linktr.ee/plugnplaypodcastTimestamps:0:00 - Intro16:04 - Comment Corner28:37 - EA officially Saudi owned41:52 - GTA 6 Exclusive look on NetflixImpressions:56:14 - Neva1:05:30 - Big Walk

In this episode, Natalie Koop and Danielle Putnam sit down with Federico Crivelli, Head of Partnerships at Avoca AI, to talk about the biggest source of lost revenue for contractors — and it's not lead generation. Federico breaks down the "leaky bucket" problem, why every missed call could cost you up to $40,000 in lifetime customer value, and why paying for the phone to ring but not answering it is like setting money on fire. He walks through what AI agents can actually do in 2026, the difference between automation and true "agentic" AI, and why the CSRs whose jobs people worry about are usually the ones who end up loving it the most. If you're a contractor pouring money into marketing and quietly watching leads slip through the cracks, this one is for you.You can connect with Federico directly at f@avoca.ai.Social Media Links:InstagramTNFR- ⁠⁠https://www.instagram.com/thenewflatrate⁠⁠Avoca AI- https://www.instagram.com/avoca.ai Federico Crivelli- https://www.instagram.com/fedecriv/ FacebookTNFR- ⁠⁠https://www.facebook.com/TheNewFlatRate⁠⁠Avoca AI- https://www.facebook.com/profile.php?id=61576039259389 Federico Crivelli- https://www.facebook.com/federico.crivelli/ LinkedInTNFR- ⁠⁠https://www.linkedin.com/company/the-new-flat-rate-inc-/posts/?feedView=all⁠⁠Avoca AI- https://www.linkedin.com/company/avoca-ai/ Federico Crivelli- https://www.linkedin.com/in/federico-crivelli/ YouTubeAvoca AI- https://www.youtube.com/@avoca-ai Links and Resources:https://thenewflatrate.com/https://www.avoca.ai/

President Trump is no fan of wind farms. And his administration is putting taxpayer money where his mouth is, paying companies billions of dollars to NOT build them. On today's show, Trump's plan to squelch wind farms with the public purse. Fact checking by Tyler Jones. Your Next Listen — Wind boom, wind bust (Two Windicators)Connect with The Indicator — Sign up for The Indicator's brand new newsletter — Find our socials, YouTube and more! — For sponsor-free episodes, subscribe to NPR+ Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show's perks include sponsor-free listening. Learn more at plus.npr.org.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

How does a physician couple pay off $405,000 in student loans in less than two years, while one of them is still in residency? In this Milestones to Millionaire episode, Joe, an anesthesiologist, and Mary Beth, an Air Force dermatologist and first-year attending, share how they eliminated more than $400,000 in combined student loan debt in about 20 months. Joe explains how a strong anesthesia market, no kids yet, and a decision to keep driving seven-year-old cars rather than inflating their lifestyle let them redirect nearly every extra dollar toward the loans. They walk through the psychological side of carrying a debt like this, why Joe felt he "wasn't fully done with medical school" until it was gone, and how the process shifted from feeling impossible to feeling automatic. They also discuss the tradeoffs of paying aggressively instead of investing the difference, and why the peace of mind outweighed the math for them, even while still managing to take about five international trips and buy a house during the same period. Now debt free aside from their mortgage, Joe and Mary Beth are shifting that same cash flow toward maxing out retirement accounts, building a taxable brokerage account, and setting aside reserves for future real estate investing. Paying off a large debt fast doesn't have to mean putting your whole life on hold. It just takes a plan, a shared goal, and a willingness to prioritize what matters most. Imagine your capital working quietly in the background, compounding into something meaningful while you stay focused on the life and work that matter most. Black Swan Real Estate's Secure Freedom Fund was built for physicians and accredited investors who want clarity, control, and a steady path to financial independence. With over 14 years of experience, a $450M portfolio, and over 600 passive investors, Black Swan combines discipline, transparency, and hands-on stewardship. Their investor-first structure is rooted in alignment, offering the choice between reliable monthly income or compounded growth over time. Led by physician Dr. Elaine Stageberg and a vertically integrated team, every investment is managed with care and intention. Discover how Secure Freedom Fund fits your goals: https://whitecoatinvestor.com/blackswan Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Truth Social offers information in advance. Jobs decrease but the unemployment rate stays low, medical expenses are increasing for seniors and Zac Brown is getting grief for giving away cruises. Plus a bill to increase the home sale tax exclusion, Costco treats their employees well, and do NOT mess with your college professors by using AI.

Which is better: Word of mouth or paid ads? My guest, Chris Fresh, says that word of mouth still beats paid ads. Chris is the founder of the Plumbing Sales coach. His philosophy is “always be serving” which has help technicians communicate better, provide a better customer experience, and increase your company's profitability. He'll tell you why word of mouth is better and how to make it a reality in your company. Free P&L Statement and Balance Sheet https://tinyurl.com/2rjd6wxu Ruth King Facebook - https://www.facebook.com/ruthking1650 LinkedIn - https://www.linkedin.com/in/ruthking1/   Podcast Produced by Nick Uttam https://www.linkedin.com/in/nick-uttam-4b33a1147

The Learning Leader Show with Ryan Hawk www.LearningLeader.com The Price of Becoming is a USA Today, LA Times, and Publishers Weekly Bestseller! www.LearningLeader.com/Becoming This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. My Guests:  My dad, Keith Hawk (also known as Pistol), spent decades leading sales teams at LexisNexis and has taught leadership and public speaking to audiences all over the country. He's the author of multiple books including Get Real Selling. Pistol has that rare ability to be both universally liked and 100% respected by all who know him. My brother AJ Hawk was an All-American linebacker at Ohio State, where he won a national championship. He played 11 years in the NFL, won a Super Bowl with the Green Bay Packers, and retired as the franchise's all-time leading tackler. Now you'll see him every weekday on ESPN as a co-host of the Pat McAfee Show Notes: Key Learnings Be a consciously competent leader. Pistol's framework: you have to understand the processes of the work you're asking people to do, not just the end result. First-line leaders have to know the work at a great level of detail.  One tactical way to get there: do after-action reviews on both wins and losses. Know why you win. Know why you lose. Describe both in detail. That's how you earn vivid clarity. Give people vivid clarity. Don't tell your team to "go get the ball carrier." Tell them precisely how to handle each situation. Great leaders are great because they give vivid clarity to the people they're leading on how to do the thing. Stack days. If I can't win by being brilliant, I can win by being able to endure. Just get up and do the thing day after day. Growing up, AJ and I had an unwritten rule: no matter what we did the night before, we were going to the first available lift. You don't have to go to bed early. But you're going to work no matter how you feel. When AJ knew he could do it. Freshman year at Ohio State. A tunnel screen play in camp. He read it perfectly, took off, and delivered a textbook hit on the receiver. That was the moment: "Football's football. These guys are all monsters. But I think I can find a way to make some plays." How to write a book: get up an extra hour early for 200 days in a row and never miss a day. Anybody can do it. You just have to be willing to make the decision, and then follow through, and then follow through again. My scout team Super Bowl. As a scout team QB at Ohio, I picked the Florida game to prepare like it was the real thing. I wore Rex Grossman's number and arm sleeve. Spatted my cleats. I rewrote the practice cards based on real Florida plays. We ended up being in a tight ball game against a national powerhouse. My teammates came back after the game and said practice that week was harder than the actual game. This is when I learned what is possible when prepared for the moment.  The Mike Nolan $10 bill story. When AJ was in college, the 49ers head coach Mike Nolan needed to tip a valet and asked if he had any cash. AJ gave him $10. Weeks later, a handwritten note showed up at AJ's college house with a $10 bill inside and a thank-you note from Mike Nolan. Follow-through. Attention to detail. Paying people back. AJ never forgot it. AJ's delusional confidence in Tahoe. AJ had an unlucky drive that left him 254 yards from the pin, in the first cut. Jack Wagner was still on the green in front of us. AJ pulled out a four iron. I told him to wait. He said, "I'm just gonna go, and hit it on the green." He flushed it. Landed on the green 25 feet from Jack. There's power in belief, speaking things into existence, and then doing them.  Irrational self-confidence isn't irrational. Pistol quoted Bill Simmons: "As long as you believe it's possible, it's possible." Regardless of what it is. My biggest risk: leaving corporate at the end of 2017. I had a VP of sales job, and I left it all to bet on this podcast. Miranda believed in it maybe even more than I did. That combination made it possible. Pistol's biggest risk: August 1st, 1999. He left LexisNexis after 14 years to go be a public speaker. Two years later, on August 1st, 2001, he came back. Both times on his birthday. His career jumped five notches on his return. Sometimes you have to leave to come back better. AJ's biggest risk: hiding a broken wrist during a Super Bowl run. AJ refused an X-ray or MRI so they couldn't shut him down. The trainer taped and casted it. He played the whole season, won the Super Bowl, and made the Pro Bowl. He had surgery to repair it days after the Super Bowl.  The best players are consistent. When I'd talk to AJ's teammates in Green Bay about him, they used the unsexy words: "Most consistent guy on the team. First guy in the weight room. Will be where he's supposed to be on every play." He did that for eleven years. Show up. Every single day. Pistol said it: "Anybody that's been great at something didn't get great on the first day, but they did the right types of things along the way."  Don't grade your kid's games. Grade the effort. "Did you play hard? That's all I care about." AJ said his family doesn't have good or bad games. There's only one question after the game: did you play hard or did you not?  Show them what "hard" actually looks like. Sometimes kids think they're playing as hard as they possibly can when they're not. AJ's brother-in-law Jack Johnson reminded him of this. You can't just say "play hard." You have to describe it. You have to show them. Otherwise they don't know what the standard is. Model it. Don't tell. Leadership is caught more than it's taught. My primary role as a dad and a husband is to be the model. If I have low standards, my kids will have low standards. If I show up every day, they'll learn what showing up looks like. Do all the work. Then trust your instincts. AJ's approach to football. Reinstall the defense from scratch every year. Take fresh notes. So when it's game time, you don't have to think. You just play. The Dinner Guest Draft: Every hundredth episode, we do a draft. This one: pick five living dinner guests.  AJ's table: Michael Jordan Charles Barkley Arnold Schwarzenegger Palmer Luckey Denzel Washington My table: (All dream guests for The Learning Leader Show) Dave Chappelle Dave Matthews Mike Rowe Doris Kearns Goodwin Michael Lewis Pistol's table: (All former guests of the show)  Admiral William McRaven Dan Patrick Nikki Glaser Stephen M.R. Covey Oz Pearlman Champagne Moments a Year From Now My dad: Celebrating his 71st birthday dinner with all of us. AJ: To keep being present with his kids while they're still young. To slow down and enjoy it. Me: A good year of college for the older girls in our family. Reflection Questions Where in your work are you giving people vivid clarity? Or are you handing them broad general directives and hoping they figure it out? What is your version of the Mike Nolan $10 bill story? What small act of follow-through could you do this week that someone will remember for years? Where are you being performative right now, doing something for the audience instead of doing it because you want to be great? What would change if you only did it when nobody was watching? More Learning #600 - AJ, Pistol & Ryan Hawk - Setting the Standard #500 - AJ, Pistol, Ryan & Pat McAfee - Live Your Life as a Movie #400 - AJ, Pistol & Ryan Hawk - The Life Experiences That Shape Our Character Podcast Chapters 00:00 The Arena Invite  01:30 Meet Keith "Pistol" Hawk and AJ Hawk  03:34 What Everyone's Been Up To For the Past Two Years  05:09 What We Learned From Robert Saleh (head coach, Tennessee Titans) and Mike Macdonal (head coach of the defending Super Bowl Champion, Seattle Seahawks) About Tackling  08:50 Be a Consciously Competent Leader. Give People Vivid Clarity.  10:44 Inflection Point Stories: When AJ and Ryan Knew They Could Do It  16:33 How Pistol Spotted the Talent Early  21:32 Why Written Communication Is More Important Than You Think  25:21 The Power of Stacking Days  33:06 The Mike Nolan $10 Bill Story  35:24 Delusional Confidence: The Tahoe Golf Moment  42:51 Irrational Self-Confidence Isn't Irrational  43:15 The Biggest Risks Each of Us Ever Took  47:24 Playing Through a Broken Wrist to Win a Super Bowl  50:38 How to Raise Kids With High Standards  54:28 Regimented vs. Disciplined  59:30 AJ's Hack to Beat a Shellfish Allergy 01:06:00 The Dinner Guest Draft Begins  01:21:21 Draft Recap  01:23:43 The Champagne Question  01:26:33 EOPC  

This past week we did a two-parter on the desegregation of the military. For today's "Sunday Context" episode, we revisit an episode we dd about the time First Lady Eleanor Roosevelt took an airplane ride in a small plane piloted by Charles “Chief” Anderson, a Black pilot and member of the Tuskegee airmen.Jody, NIki, and Kellie discuss how the photo caused a sensation, and controversy — and helped bolster the case for Black pilots to serve in WWII.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

Send us Fan MailThe Oakwell Odyssey Missed ChancesCostelloe Off The MarkPromising SignsPaying The PenaltyThree Point StatementReally?Up the tics!MP3 DownloadContact PWU PodcastTweet us @PWUPodcast or @WorthingtonBazemail barryworthington@hotmail.comCatch us at the gameEditor & Producer - Barry Worthington©Progress With Unity Podcast

Today's listener (from Egypt!) is teaching software development through an apprenticeship model, but most of his students aren't paying. How can he convert some of these free students into customers?Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week.Show notes: SideHustleSchool.comEmail: team@sidehustleschool.comBe on the show: SideHustleSchool.com/questionsConnect on Instagram: @193countriesVisit Chris's main site: ChrisGuillebeau.comRead A Year of Mental Health: yearofmentalhealth.comIf you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

Yascha Mounk and Francis Fukuyama explore why any theory of politics must begin with an account of what makes us human. Francis Fukuyama is the Olivier Nomellini Senior Fellow at Stanford University. His latest book is In the Realm of the Last Man. He is also the author of the “Frankly Fukuyama” column at Persuasion.  In this week's conversation, Yascha Mounk and Francis Fukuyama discuss why human nature has been so central to Fukuyama's political thought, what modern evolutionary biology and anthropology tell us about the myth of primordial individualism, and whether human beings are best understood as fundamentally social creatures or fundamentally self-interested ones. Enjoying this discussion? In an event exclusively for readers of American Purpose and Persuasion, Yascha Mounk will be interviewing Francis Fukuyama about his life and thought at 5pm on Sunday, September 6 at The Abbey Centre, London. Find out more and get tickets here. Paying subscribers of Persuasion and American Purpose can access a code for a free ticket here. We're delighted to feature this conversation as part of our series on Liberal Virtues and Values. This series, made possible with the generous support of the John Templeton Foundation, features content making the case that liberalism has its own distinctive set of virtues and values that are capable not only of responding to the dissatisfaction that drives authoritarianism, but also of restoring faith in liberalism as an ideology worth believing in—and defending—on its own terms. If you have not yet signed up for our podcast, please do so now by following ⁠this link on your phone⁠. Email: leonora.barclay@persuasion.community Podcast production by Jack Shields and Leonora Barclay. Connect with us! ⁠Spotify⁠ | ⁠Apple⁠ X: ⁠@Yascha_Mounk⁠ & ⁠@JoinPersuasion⁠ YouTube: ⁠Yascha Mounk⁠, ⁠Persuasion⁠ LinkedIn: ⁠Persuasion Community Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is August 8th, the peak of the Lion’s Gate Portal. This is a powerful energetic gateway inviting you to reconnect with your own inner wisdom, release what no longer serves you, and align with the life your soul calls for. It’s a time to open yourself to new possibilities and I recommend opening to the magic that’s all around you. To celebrate this day, I’m sharing my own story of how my soul called to me about magic. The Word Is Magic It began with a single word. Magic. But you know that's not just any word. Magic is a noun, a verb, a way of life. Magic holds the universe together and keeps the planets circling the sun. Even if you can't quite see or hear or touch magic, you know without question that it is there. Magic is real. At least to some people, like me. During Covid, I felt its pull. Magic beckoned me and I heeded the call. I stumbled on a magic coach who started me with simple things. I loved it. My favorite magic was with a sugar bowl, stirring sweetness into your life. I felt a little bit like Mary Poppins with her spoonful of sugar that made the medicine go down in the most delightful way. But I didn't need any medicine. I just needed the magic. Friday is Freya’s Day My coach suggested I pick a Goddess to work with and meditate with her every week. She said that Friday was Freya's day and somehow that felt perfect. I chose Freya, or maybe she chose me. From Norse mythology, Freya is the Goddess of love and war, beauty, fertility, and magic. Oh, of course she is. What a surprise that I felt drawn to her. So, I began a ritual where every Friday, I took a bath to cleanse my energy. I smudged my home to clear that as well. And once complete, I would sit in my chair to meditate and connect with the Goddess Freya. It didn't take too many tries before I enjoyed a visit from the Goddess herself. She came to me with outstretched arms and a smile. I wasn't sure what would happen as she moved closer to me, but I stayed open and quite curious. Freya came with healing in mind. She worked on my energy body, clearing and removing old energy, no longer wanted or needed. I could feel the change as a lightness lifted me. While I'm not sure how, something released and I felt free for the first time since…Well, I'm not sure I can even identify such a time. The result were expressed in my art journal piece. I felt free to be my magical self. That me had wings and a very big heart. There were colorful clouds behind me and glittering chunks of rose quartz before me. I smiled brightly at this image once it was finished and still do today as it hangs on my wall. Over time, I came to realize that I had been prevented from connecting with my magic by so many things. I discovered one vow after another, binding me and supposedly keeping me safe from interacting with magic. I must not talk about magic. I must not use any magic. I must not teach or share any magic. I must hide my magic. I don't know why I made these vows. Was this for my highest good? Was I coerced into these vows by another? I cannot say with any true clarity. But every time I found a vow, the need to shake free was undeniable and overwhelming. And I did, releasing every vow I came upon. So, as a result, I became even freer. Bypassing the Obstacles Magic is boundless, so I found my way around the preventive measures that were meant to keep me apart from this universal life force. Magic is for everyone, of this, I am sure. It's a natural force waiting for us to discover and interact with. Magic is here to help us live the life we want and to do good things in the world. It is the secret to living a rich full life that's fun and satisfying. At a craft fair, I bought photographs of letters, captured from architectural elements. Each letter is a different image but put together, they spelled the word MAGIC in the most creative way. I hung the word over my office door. Every time I enter, I now enter the magic. I took a course on blessings. Day one was the blessing of abundance. Day two was good health. Day three was peace. Day four was happiness. Day five was different. I don't remember what the teacher suggested, but my own blessing welled up within me to be brought forth divinely – I live in the magic. While I had signed up for a 30-day program, I could go no further. What was a bigger blessing than to live in the magic? I've lived there ever since. A simple song I had created years back came to me out of the blue. I started to sing it again while I took my daily walk. It's a short song in a minor key but creates an uplifting feeling. Here are the words: “Life is magical, life is magical, the universe is magic and the magic starts with me. As I open my heart, and expand it trustingly, the Universe does respond to me.” Absolute gold. When did this come to me? I could not remember. Magical Experiences My life continued with discoveries and experiences that could be defined in no other way than simply magical. Moments that add so much joy and wisdom. Getting a message from my honeysuckle vine, pointing out that I was missing out on joy and to open my awareness wider. Seeing a three-inch boot print that depressed the grass in my front yard as I planted flowers. An elemental letting me know it was there. After expressing gratitude in the garden to the plant devas and elementals, two tiny orange moths landed on my arm and did a synchronized dance before flying off together. A friend built a fire on a summer evening and suggested we communicate with it. The fire spoke to me in poetry, describing its power and the nature of its energy. A small pile of leaves caught my attention as I walked by my neighbor's yard. They suddenly whirled upwards into the air in a surprising spiral. Claiming Magic Next, I worked with a somatic coach, who helped me release stuck emotions from my body. During this one particular session, it was the magic that came free. I claimed it. Both my hands reached up above my head to the sky and these words reverberated through my body as I spoke them: “I am magic.” Yes, I am. Do I understand my history or what separated me from my magic? Some of it maybe, but certainly not all. Yet, how interesting that it doesn't matter. I am magic and nothing can ever prevent that again. But what I have discovered and now know to be true, is that you too are magic. We are all magic. So, if you haven't yet come to this idea, or connected to your magic, but find yourself reading this curious piece of writing, know this message is meant for you. You are magic and it's time you started living as if you know that this is true. If you feel ready to connect with your inner wisdom and magic, I'd love to help you with that. Reach out to me here. Where the Magic Actually Lives Magic showed up for Ronnie during Covid, starting with something as simple as a sugar bowl — proof that reconnecting with magic doesn’t require anything dramatic. Working with a chosen goddess (Freya, for her) through weekly ritual — bath, smudging, meditation — opened the door to real energetic healing and release. Unconscious vows (“I must not talk about magic,” “I must hide my magic”) can quietly block your connection to magic until you find and release them. Magic announces itself in small synchronicities — a message from a honeysuckle vine, moths dancing on an arm, leaves spiraling upward — if you’re paying attention. The claim “I am magic” isn’t reserved for a chosen few. As Ronnie puts it, “You are magic and it’s time you started living as if you know that this is true.” FAQs What is the Lion’s Gate Portal? The Lion’s Gate Portal is an annual energetic gateway, peaking August 8th, that many spiritually minded people mark as a time for release and alignment. It’s considered a powerful window for reconnecting with inner wisdom, letting go of what no longer serves you, and opening to new possibilities. How do I start connecting with my own magic? Start small and consistent. You might choose a goddess or guide to meditate with weekly,. Build a simple ritual around it (cleansing, quiet reflection, intention, journaling), and staying open to what shows up is often enough to begin. The connection tends to deepen with repetition, not intensity. What is a soul vow, and how do I release one? A soul vow is an unconscious promise, often made for protection, that can block you from fully living. This could be a vow to hide or never share your gifts. Recognizing the vow when it surfaces and consciously releasing it is often enough to feel its grip lift. Can everyone access magic, or is it reserved for certain people? Everyone can access magic. It’s described as a natural force available to all, not a special ability limited to a few. The main barrier tends to be awareness rather than aptitude. Start to notice small synchronicities is one first step toward recognizing it. What are some signs that magic is present in daily life? Signs of magic tend to be small and easy to miss, like an unexpected message from nature or an unusual pattern in the physical world. Animals may behave in a way that feels meaningful or even noticing a sudden shift in your own emotions or energy. Paying attention is what makes them visible. { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is the Lion's Gate Portal?", "acceptedAnswer": { "@type": "Answer", "text": "The Lion's Gate Portal is an annual energetic gateway, peaking August 8th, that many spiritually minded people mark as a time for release and alignment. It's considered a powerful window for reconnecting with inner wisdom, letting go of what no longer serves you, and opening to new possibility." } }, { "@type": "Question", "name": "How do I start connecting with my own magic?", "acceptedAnswer": { "@type": "Answer", "text": "Start small and consistent. Choosing a goddess or guide to meditate with weekly, building a simple ritual around it (cleansing, quiet reflection, intention), and staying open to what shows up is often enough to begin. The connection tends to deepen with repetition, not intensity." } }, { "@type": "Question", "name": "What is a soul vow, and how do I release one?", "acceptedAnswer": { "@type": "Answer", "text": "A soul vow is an unconscious promise — often made for protection — that can block you from fully living, such as a vow to hide or never share your gifts. Recognizing the vow when it surfaces and consciously releasing it is often enough to feel its grip lift." } }, { "@type": "Question", "name": "Can everyone access magic, or is it reserved for certain people?", "acceptedAnswer": { "@type": "Answer", "text": "Everyone can access magic — it's described as a natural force available to all, not a special ability limited to a few. The main barrier tends to be awareness rather than aptitude; noticing small synchronicities is often the first step toward recognizing it." } }, { "@type": "Question", "name": "What are some signs that magic is present in daily life?", "acceptedAnswer": { "@type": "Answer", "text": "Signs of magic tend to be small and easy to miss: an unexpected message from nature, an unusual pattern in the physical world, animals behaving in a way that feels meaningful, or a sudden shift in emotion or energy. Paying attention is what makes them visible." } } ] } The post Slowly But Surely, I Began To Remember That I Am Magic appeared first on Intuitive Edge.

This episode was sponsored by Cardiff & Top Tier Solar Solutions    LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ This episode delivers a gut-punch redemption story with Vincent Torres, a sales leader who spent years cycling through addiction, arrests, and a 325-pound rock bottom before rebuilding himself from nothing.   Vincent breaks down his path from Brooklyn street life, gang ties, and heroin addiction to losing everything — then simultaneously getting clean and dropping over 110 pounds in 18 months. He now leads sales teams generating $20-25 million annually and reveals the exact mindset shift that took him from self-pity to seven-figure opportunity.   If you think your past has already decided your future, this conversation proves otherwise — Vincent lived the worst-case scenario and still built the best-case life.  

For years, one of the best ways to save money on a cruise was to wait until the last minute. But Royal Caribbean Group executives said that trend is all but dead.Share with me your thoughts, questions and comments via...Twitter: @therclblogFacebook: /royalcaribbeanblogYouTube: royalcaribbeanblogEmail: matt@royalcaribbeanblog.comLeave a voicemail: (408) 6ROYAL6You can subscribe to the Royal Caribbean Blog Podcast via iTunes, Google Play, Stitcher or RSS.

Someone has to pay for all this AI, nothing is foolproof, and Apple's lawsuit with OpenAI is only just beginning, all on the AppleInsider Podcast.Contact your hosts:@williamgallagher_ on Threads@WGallagher on TwitterWilliam's 58keys on YouTubeWilliam Gallagher on emailWes on BlueskyWes Hilliard on emailWes's blog HillitechLinks from the Show:Apple AI compute costs will be covered by iCloud+ subscriptions, for nowMeta's Muse Code is yet another AI coding agent on macOSRAM production worldwide is sold out through 2027The world's RAM supply crisis is going to get worse before it gets betterWhy you should never put a hot iPhone in the fridge or freezerAnother iPhone 17 Pro plummets from plane, and found intactTilta Khronos iPhone 17 Pro Max photography kit reviewPSA: don't fall for the scam Uber email making the roundsGoogle Health now shares Fitbit workouts with Apple HealthWebKit leaks in iOS & macOS expose user data in spite of proxy useNew OpenAI post doesn't address Apple's IP theft claims at allConfidential Apple files followed former employees to OpenAI through iCloudApple demands OpenAI injunction, discovery, testimony now to prevent more harmApple's corporate espionage suit against OpenAI: How we got hereTelegram's takedown caused by planted porn & weaponized App Store policiesTelegram briefly disappeared from the Apple App Store due to CSAM2027 iPhone 18 rumors: Smaller Dynamic Island, 12GB or 9GB RAM, 2nm A20 chipiPhone Fold is on schedule for September after manufacturing problems are solvedStaff lottery reveals Apple's first-half September event plansApple's iPhone 18 Pro event won't be live, no matter what you've heard todaySupport the show:Support the show on Patreon or Apple Podcasts to get ad-free episodes every week, access to our private Discord channel, and early release of the show! We would also appreciate a 5-star rating and review in Apple PodcastsMore AppleInsider podcastsTune in to our HomeKit Insider podcast covering the latest news, products, apps and everything HomeKit related. Subscribe in Apple Podcasts, Overcast, or just search for HomeKit Insider wherever you get your podcasts.Subscribe and listen to our AppleInsider Daily podcast for the latest Apple news Monday through Friday. You can find it on Apple Podcasts, Overcast, or anywhere you listen to podcasts.Those interested in sponsoring the show can reach out to us at: advertising@appleinsider.com (00:00) - Apple Intelligence tokens (19:35) - RAM crisis (30:41) - Do not freeze your hot iPhone (39:26) - Don't drop iPhones from planes (44:53) - Email scams, Google Health, and OpenAI ★ Support this podcast on Patreon ★

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In episode 384 of The Physical Performance Show, Brad Beer and fellow physiotherapist Tim Studley tackle a wide-ranging Q&A on tibial bone stress injuries. Following the recent bone stress injury mini-series and two-part tibial bone stress injury masterclass, Brad and Tim answer listener questions covering chronic tibial stress responses, recurring shin pain, rehabilitation, plyometrics, strength training, anti-inflammatory medications, and how to reduce the risk of future bone stress injuries. The episode explores some of the practical clinical questions that arise when athletes are trying to understand persistent shin pain and return to running. Brad and Tim unpack the difference between tibial bone stress injuries and medial tibial stress syndrome (MTSS), explain how workload and tissue tolerance interact, discuss when to introduce single-leg strength and plyometrics, and highlight why a thorough assessment of both biomechanical and biological risk factors is essential for athletes with recurring bone stress injuries. Show Sponsor: PILLAR Performance is leading a new frontier in the sports nutrition industry through micronutrition innovation. Their Performance Health range is designed to support the crucial hours outside of training and racing, helping athletes return to the start line in peak condition. One of their newest releases is Collagen Repair, developed in collaboration with Gelita Laboratories and featuring the clinically trialled collagen peptide TENDOFORT. For 15% off your first purchase, head to pillarperformance.shop or, for North American listeners, thefeed.com and use the code PHYSICALPERFORMANCE at checkout. Show Sponsor: Pillar Performance continues to lead the way in sports nutrition through micro-nutrition innovation, now expanding into the Performance Health range. One of their newest releases, Collagen Repair, was developed with Gelita Laboratories (Germany) using a clinically trialled collagen peptide (Tendofort) to support tendon and ligament health in conditions like hamstring tendinopathy, Achilles tendonitis, shin splints, and patellofemoral pain. Head to pillarperformance.shop (or thefeed.com for North American listeners) and use code PHYSICALPERFORMANCE for 15% off your first purchase. Pogo Physio also offers online Telehealth Consultations for endurance athletes managing bone, tendon, or joint issues — book online at pogophysio.com.au.   Partners / links mentioned: Show sponsor: PILLAR Performance — 15% off your first purchase using code PHYSICALPERFORMANCE at checkout. PILLAR Performance: pillarperformance.shop North American listeners: thefeed.com Pogo Physio Telehealth Consultations: pogophysio.com.au     In this episode, you'll hear: Chronic tibial bone stress injuries: whether an experienced ultramarathon runner can adapt to a persistent Grade 2 stress response and continue running without progressing to a stress fracture Recovery strategies: what sauna, nutrition and strength training may—and may not—contribute to recovery from tibial bone stress injuries Nutrition and bone health: the importance of adequate calorie and micronutrient availability, and why recurrent bone stress injuries may warrant review with a sports dietitian Calcium supplementation: what is known about calcium availability and why there isn't a clear tibia-specific dose linked directly to bone stress injury recovery Recurring shin pain: why an athlete can continue experiencing medial shin pain despite controlled mileage and well-rounded strength training The three-part clinical framework: biomechanics, workload, and tissue capacity as key areas to investigate when shin pain keeps returning MTSS versus bone stress injury: why persistent posterior-medial shin pain may represent medial tibial stress syndrome rather than a bone stress injury Individual differences: why some runners seem more susceptible to shin pain and why comparing your injury history with other runners can be misleading Plyometrics and single-leg strength: when to introduce spring-based loading, hopping and jumping during tibial bone stress injury rehabilitation Rehabilitation progression: why single-leg strength work can begin relatively early while plyometrics are generally introduced later Training the opposite leg: why the unaffected limb should continue to be trained during rehabilitation Return to running with persistent shin pain: how MRI findings, symptom location and clinical presentation can help distinguish MTSS from tibial bone stress injury Strength training progression: moving from higher-repetition, lower-load work capacity training towards heavier strength and eventually rate-of-force and plyometric training Anti-inflammatory medications: what regular use of ibuprofen and diclofenac may mean for bone and skeletal health, and why they are unlikely to be the sole cause of a running-related bone stress injury Posterior tibial stress reactions: how running workload can exceed bone tolerance and how factors including bone geometry, bone quality, biomechanics and psychology may influence risk Preventing recurrence: why runners with a previous bone stress injury have a significantly elevated future risk and need to identify and manage their individual risk factors The role of the gym: why strength and conditioning can help restore muscle capacity, support bone health and prepare the tibia for the demands of running Hop testing: why a pain-free hop test is useful when assessing tibial bone stress injuries, while recognising that other diagnoses can also produce pain with hopping The 10 cm palpation rule: why longer areas of shin tenderness are more consistent with medial tibial stress syndrome than focal bone stress injury Clinical assessment: why practitioners need to consider gait, palpation, loading tests, biomechanics, workload, tissue capacity and differential diagnoses rather than relying on pain intensity alone. Quotes / takeaways: "Bone stress is not something that the body adapts to." "Most people are paying a tax, I always say, to play the game they want to play." "There's no recipes." "It's never just one thing." "You need running workload and that workload exceeds, in simple terms, bone's tolerance." "Once a runner's had a bone stress injury, they have much heightened risk, six to seven fold for the rest of their running life."   Time Stamps: 00:00 – Episode introduction and breakthrough experience 00:23 – Episode 384 introduction: Q&A on tibial bone stress injuries 00:53 – Sponsor: PILLAR Performance and Performance Health 01:20 – Collagen Repair: formulation, TENDOFORT and collagen health 01:49 – 15% PILLAR Performance discount with code PHYSICALPERFORMANCE 02:18 – Episode begins: listener Q&A following the bone stress injury series 03:24 – How the listener questions were gathered and why these themes matter 03:53 – Chris' question: chronic Grade 2 tibial bone stress injury in an experienced ultramarathon runner 04:23 – Can the body adapt to bone stress and allow an athlete to run through it? 05:49 – Why symptomatic bone stress requires an appropriate deload 06:16 – Sauna, nutrition and other recovery techniques 07:11 – Micronutrients, calories and optimal skeletal health 08:07 – Strength training and progressive restoration of tibial capacity 08:33 – Calcium intake and the importance of sports dietitian review for recurrent injuries 09:57 – Zane's question: recurring medial shin pain despite controlled mileage and strength training 10:52 – Why some runners continue to struggle despite avoiding obvious training spikes 11:51 – The three key areas: biomechanics, workload and tissue capacity 12:19 – MTSS versus tibial bone stress injury 12:46 – Biomechanical strategies and the example of professional triathlete Josh 13:39 – Strength and conditioning relative to the demands of professional triathlon 14:07 – Why recurring shin pain may require a more individualised assessment 15:03 – Why comparing yourself with runners who appear injury-free can be misleading 15:33 – "Paying a tax" to participate in the sport you love 16:02 – Isaac Fishlock's question: when to introduce plyometrics and single-leg strength 16:28 – Plyometrics as a late-stage rehabilitation tool 16:57 – Why bones need spring loading and high rates of loading 17:26 – Introducing single-leg strength early and training the unaffected leg 17:55 – Why the opposite leg may also be at increased risk after deloading 18:18 – Are there strength or pain benchmarks before introducing plyometrics? 18:45 – Why rehabilitation progression needs to be individualised 19:15 – Rhonda Gainsford's question: persistent medial shin pain with a negative MRI 19:45 – Why persistent symptoms can point towards MTSS rather than bone stress injury 20:13 – What an MRI showing no bone stress response can tell you 20:42 – Focal versus longer-length tenderness along the shin 21:10 – Can the runner return to running? 21:41 – The Coil Crew's question: heavy reps versus endurance work for calf raises 22:10 – Starting with higher-repetition, lower-load work capacity 22:41 – Progressing towards heavier strength work 23:09 – The three-pronged calf framework: endurance, maximum strength and spring 23:39 – Clinical benchmarks for calf endurance and reactive strength 24:09 – Ryan Williams' question: can regular ibuprofen or diclofenac cause a stress response? 24:37 – Anti-inflammatories, collagen synthesis and potential effects on skeletal health 25:03 – Why anti-inflammatories are unlikely to independently cause a running-related bone stress injury 26:01 – How a posterior tibial stress reaction develops 26:31 – Running workload versus bone tolerance 27:00 – Bone geometry, bone quality, adolescent sport and other risk factors 27:29 – Why bone stress injuries are multifactorial 27:57 – Reducing future risk through biological and biomechanical risk stratification 28:26 – The heightened recurrence risk following a previous bone stress injury 28:54 – Does going to the gym reduce the risk of future stress reactions? 29:22 – What the research says about strength training and injury prevention 29:50 – Restoring calf size, strength and muscle characteristics after deloading 30:15 – Building an individualised strength and conditioning program 30:42 – Osteogenic exercise and addressing obvious strength deficits 31:10 – Lenny P's question: symptoms greater than 10 cm and a positive hop test 31:37 – Other causes of pain with hopping, including calf injury and MTSS 32:06 – The 10 cm palpation finding and what it suggests 32:35 – Why pain intensity is not a reliable guide to bone stress injury severity 33:04 – Q&A conclusion and invitation for further questions 33:33 – Future expert episodes on femur, foot, ankle and sacral bone stress injuries 33:58 – Episode close and PILLAR Performance sponsor reminder 34:26 – Pogo Physio Telehealth Consultations and closing details.   THE TEAM: Join the The Physical Performance Show LEARNINGS membership through weekly podcasts here: https://www.patreon.com/TPPShow Our goal is to get you back to your Physical Best. Find out more about Telehealth Consultations and book online. Your Hosts:

8-7-26 Aging in Place - What to Consider More Americans want to age in place, but is staying in your home the best financial and lifestyle decision? Richard Rosso & Jonathan McCarty explore the real costs, benefits, and planning strategies behind one of retirement's biggest decisions. We discuss how neighborhoods, community connections, and changing retirement goals influence aging in place, while comparing the costs of home modifications with assisted living. We also examine emerging technologies—including AI companions, telehealth, smart-home monitoring, and wearable devices—that are reshaping independent living for older adults. Topics include long-term care planning, reverse mortgages and HECMs, Social Security and Medicare decisions, accommodating live-in caregivers, home safety upgrades, mental fitness, and why some older Boomers are choosing larger homes rather than downsizing. Whether you're planning for yourself or helping aging parents, this conversation offers practical financial insights for making informed decisions before a crisis forces your hand. 0:00 INTRO 0:19 - Aging Place Rationale & Evolution 2:30 - Neighborhoods & Community Spirit 5:29 - Progression of Goal Shifting 6:43 - Financial Guide - Aging in Place 10:52 - Eliminating Risks at Home 14:55 - Is Remaining at Home less Expensive than Assisted Living? 18:27 - Preparing for One vs Two Aging in Place: Future Technology 19:40 - The Demographics of AI Companions 20:15 - Surveillance Technology 22:36 -Children's Awareness of Long Term Care Coverage 23:27 - Home Bidets 25:11 - Understanding the trends & technology of Aging in Place 26:02 - Accommodating live-in caregivers 27:05 - Older Boomers Buying Bigger Homes trend 28:53 - After dinner dominos, cards, Mahjong, & Bingo 32:38 - Things to do for mental acuity - Elder Tech: Door Dash, Uber, Aura ring, etc. 35:44 - New Longevity Calculators & Telehealth 37:30 - Renovation vs Relocation 39:12 - Paying for the modifications - reverse mortgages & HECM's 41:04 - Smart decisions for SS & Medicare Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/H03YeyoVCkk ------- Articles mentioned in this report: "RIA E-Guide Library: Aging in Place" https://realinvestmentadvice.com/ria-e-guide-library/ -------- Watch our previous show, "The 60/40 Portfolio Is Not Dead" https://youtube.com/live/9KGokK9tGuA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #AgingInPlace #LongTermCare #PersonalFinance #Retirement

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast #BEST #SHMS #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast #BEST #SHMS #STRAWSee omnystudio.com/listener for privacy information.

Paying tribute to a great singer/songwriter/actor we lost last week at the age of 56. Glen Hansard, Irish musician who was with The Frames and Swell Season, as well as co-starring in the film Once, was killed in a motorcycle accident last week. Let’s listen to covers of songs of and by Mr. Hansard. (61 […]

Our conversation about military integration continues with a look at Harry Truman and the civil-rights battle within the Democratic party. After a contentious 1948 convention, Truman starts to embrace desegregation, starting witht the military. Then we discuss how the culture of the armed forces began to slowly change.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

Rising taxes over the years have been a major cause of affordability issues for many Americans. The Senate committee is voting today to hold Dr. Anthony Fauci in contempt of Congress, and Mark breaks down what may happen to him. In addition, he may know why Minority Leader Chuck Schumer hasn't been around lately. Some old-school rock bands, such as ZZ Top and The Rolling Stones, have recently rescheduled or canceled their shows. Anthony Fauci has officially been held in contempt. The FBI is launching a major investigation into James Comey and how he handled the Russian hoax and probe against President Trump. A Yankees fan is suing the team after being hit by a bat that a player lost control of. What is Dr. Abdul El-Sayed up to today after his win in the Michigan Primary? We head to the CNN pollster to get his opinion on how Abdul El Sayed did in his political race. If you are an Amazon driver, be careful delivering packages because you may be recorded, as an incident in Florida proves, as Mark explains. A list of the top hospitals has been released, and some in New York made the list. Mark interviews economist Steve Moore. Mark and Steve dive into the recent economic numbers, including manufacturing, affordability, and more, that came out and are highlighting the US economy's robust performance. The numbers are good. Mark asks Steve whether raising taxes over the years has been the cause of paying more for daily expenses, which may be higher than paying for clothes, food, shelter, and more. Steve says Abdul El-Sayed winning isn't good for the country. He explains why incorporating AI into your business could be expensive. The Senate seat that Dr. Abdul El-Sayed and Republican Mike Rodgers are fighting for will be a very aggressive race. If Iran backs out of making a deal with the USA, they will get hit very hard. Mark heard some insider info from Donald Trump that he wants JD Vance to be the 2028 Presidential candidate. Mark interviews WOR Weeknight host Jimmy Failla. Jimmy and Mark talk about Mamdani getting booed at a speech he made in Staten Island. Dr. Anthony Fauci's chances of major exposure are expanding, including new info from his diary about his secret crushes.

This is a free preview of a paid episode. To hear more, visit www.serioustrouble.showThis week: Jeanine Pirro would like everyone to know this embarrassing turn in the reflecting pool case is all Interior Secretary Doug Burgum's fault. We talk about her remarkable and remarkably detailed filing seeking to dismiss charges against David Hearn related to the pool, plus Anthony Fauci refusing to testify before a Senate hearing, citing his Fifth Amendment right against self-incrimination.Those discussions are for all listeners, along with a look at what Todd Blanche's letters to the Senate say and don't say. Paying subscribers also hear about:* A lesson from Rep. Chuck Edwards, on how being creepy can constitute sexual harassment even if you never explicitly ask for sex.* Paramount's litigation strategy choices.* Capital One's arguments that it didn't violate the president's civil rights.* Judge Amit Mehta reluctantly vacating the case against Stewart Rhodes.* More problems with posting through it at DOJ.* And Kash Patel being deprived of a default judgment in a bullshit defamation case for the court's lack of personal jurisdiction over the defaulted defendant.Upgrade your subscription now at serioustrouble.show.

Hi! I'm back with a new episode. Today, we're going to talk about tourist traps—and how to avoid paying much more than you expected while travelling. Today, you'll hear some useful and challenging words. Visit my website to get the transcript for free: speakenglishpodcast.com/386-the-tourist-trap-test Ok, let's start!  

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast #BEST #SHMS #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Not every ocean conservation win comes from a nonprofit or a government program. In this episode, Andrew breaks down three for-profit companies that are cleaning up the ocean, funding wildlife research, and paying living wages to the people doing the work. These businesses show that conservation and profit are not opposing goals. They can be the same goal. Andrew covers 4Ocean, whose full-time captains and cleanup crews earn living wages with health insurance and bonuses across Florida, Bali, Haiti, and Guatemala. He covers Ocean Sole, the Kenyan social enterprise that pays local collectors for discarded flip-flops and employs artisans to turn that waste into sculptures sold around the world. And he covers the wildlife tracking bracelet company that lets a purchase fund a satellite tag on a real shark, manatee, or seabird, connecting buyers directly to the research their money supports. This episode is for entrepreneurs, scientists, and conservationists who want their work to have impact without depending entirely on grants or donor cycles. Andrew argues these three companies point to a business model that more of the ocean conservation space should be paying attention to: people, planet, and profit working together instead of one getting sacrificed for the others. Takeaways 4Ocean employs over 200 full-time captains and crew at living wages across Florida, Bali, Haiti, and Guatemala, plus 350+ bracelet artisans in Bali and Guatemala Ocean Sole pays Kenyan collectors for discarded flip-flops and employs local artisans to carve them into sculptures sold worldwide Wildlife tracking bracelets connect a single purchase to funding for a real satellite tag on an animal like a shark, manatee, or penguin All three companies operate as B Corps or B Corp-style social enterprises, combining environmental impact with fair local employment For-profit conservation businesses can offer more consistent funding than grant-dependent nonprofits, since revenue comes from ongoing product sales rather than competitive fundraising cycles Andrew argues the "triple bottom line" of people, planet, and profit should be the standard other conservation-minded entrepreneurs build toward Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

----- 0:00 Intro & Lush Shows Up 30 Minutes Late 0:20 Roasting Lush for Being Late 1:05 Lush Opens Up About His Girl's Overdose 2:19 Lush Reveals What Happened 3:18 Cast Reacts to Lush's Emotional Story 4:27 Falling for "Houston" 6:24 Lush Regrets Ignoring Her Messages 7:35 The Emotional Text That Hit Lush Hard 8:22 Adam Suggests Using It in the Title 9:28 Lush Says His Ex Made Things Worse 10:32 FaceTiming From the Hospital 12:10 Edibles, Addiction & Coping 13:05 Lush Apologizes to the Fans 20:35 Who Started LA Street Podcasting? 22:38 No Jumper's Early Growth 24:14 Why Adam Waited to Interview Munchie B 24:37 Did No Jumper Create Street Podcasting? 25:38 Crip Mac, Dean & Paying for Interviews 27:02 How Dean the Great Blew Up 28:21 Are Streamers Buying Bots? 37:17 Black & Mexican Relations: Texas vs California 39:47 Munchie B's Viral 20 vs 1 Moment 40:13 Behind the Scenes of Munchie's 20 vs 1 00:40:25 Dating standards, attraction & boundaries 00:55:19 Viral cross-country walker & food talk 00:56:11 Big Groove debate: genius marketer or cringe? 01:07:07 Cute N The Kitchen brings Long Beach food 01:09:11 Supporting a local food business 1:10:18 BBQ Taste Test & Rick Rack's Family Kitchen 1:11:00 Discovering Big Groove 1:17:38 Lush's Girlfriend Story Takes a Wild Turn 1:18:33 Girlfriend Overdose & Hospital Update 1:20:42 Would You Stay With Someone After Jail? 1:21:02 Papoose & Remy Ma Relationship Discussion 1:22:48 Why Remy Ma Chose Easy the Block Captain 1:25:00 Papoose's "Punctuation Slaughter" Breakdown 1:41:05 What Is an Overt Act? 1:42:01 Legitimate Debt vs. Extortion 1:50:30 Flakko Appears on Tasha K 2:10:39 How everyone knew the song was AI 2:11:25 The "all genres" plan & early clues 2:12:06 Producers explain how they detect AI vocals 2:13:54 Why this AI song sounded better than most 2:14:53 Tyler, the Creator's feedback on the song 2:16:24 The "Jagged Little Pills" lyric theory 2:18:07 How Phoenix could've sold the story better 2:19:03 What this means for Phoenix's career 2:20:04 The "all genres" strategy under scrutiny 2:22:37 Could this hurt Shoreline Mafia? 2:23:46 Should Phoenix remake the song with his real voice? 2:24:21 Celebrity speculation & fan theories 2:25:05 OGZ vs. Phoenix: Shoreline dynamics 2:28:45 What really broke up Shoreline Mafia? 2:31:19 Instagram unfollows & rap politics 2:34:54 More OGZ/Phoenix rivalry speculation 2:39:29 Is the controversy helping or hurting Phoenix? 2:40:04 AI Music & Phoenix Flex Controversy 2:41:15 AI Software Leak & Damage Control 2:46:58 Did Taiga Copy the AI Wave? 2:48:27 Why the Viral Song Didn't Go Bigger 2:53:22 Sydney Starr Allegations Discussion 3:00:41 Teacher Scandals & Dark Humor 3:02:33 Body Hair Preferences & Grooming Debate 3:04:16 Calling 911 on an Ex Story 3:05:07 YG "Red Alert" & Drake/Drakeo Theory 3:10:09 Drakeo conspiracy theories & rap lyrics 3:12:57 Bobby Green pays Smac $10,000 to get choked out 3:20:14 Adam's 2013 GHB story 3:27:58 Lush's hospital girlfriend drama 3:45:52 Swifty T2 Calls Out Lush 3:46:47 Is It Time to Stop Talking About Him? 3:47:01 Big Groove & Wild Joke 3:51:46 Perez Hilton vs. Paris Hilton Mix-Up 3:52:58 Phoenix Flex AI Music Debate 3:55:54 Munchie's Style & Outfit Talk 3:56:55 White People, the N-Word & Race Discussion 3:59:28 Paris Hilton, Commercials & Nostalgia 4:00:24 Old-Timey Voices in Media 4:01:07 Did N.W.A. Start Cursing in Rap? 4:02:01 Afrika Bambaataa Allegations 4:04:34 Gandhi's Controversial "Celibacy Tests" 4:06:44 Why Rios Left the Group Chat 4:08:39 Lush's Greyhound Story Returns 4:09:49 Breckie Hill Appreciation Segment 4:12:54 Jay Hood Energy Drink Video 4:14:46 More Superchats & Lush Responds 4:15:28 Revenge porn discussion & protecting a partner 4:16:15 Protecting someone you care about 4:16:50 "Underage" rumor as a deterrent 4:30:47 Outro Shout out to all our members who make this content possible, sign up for only $5 a month https://www.youtube.com/channel/UCNNTZgxNQuBrhbO0VrG8woA/join Promote Your Music with No Jumper - https://nojumper.com/pages/promo CHECK OUT OUR ONLINE STORE!!! https://nojumper.com NO JUMPER PATREON http://www.patreon.com/nojumper CHECK OUT OUR NEW SPOTIFY PLAYLIST https://open.spotify.com/playlist/5tesvmDS8h50LkjnSAWMOs?si=j6sJD6DkR4mk5NZZWnlK7g Follow us on SNAPCHAT https://www.snapchat.com/discover/No_Jumper/4874336901 Follow us on SPOTIFY: https://open.spotify.com/show/4z4yCTjwXa4an6sBGIe7m5 iTunes: https://itunes.apple.com/us/podcast/no-jumper/id1001659715?mt=2 Follow us on Social Media: https://www.snapchat.com/discover/No_Jumper/4874336901 http://www.twitter.com/nojumper http://www.instagram.com/nojumper https://www.facebook.com/nojumper http://www.reddit.com/r/nojumper JOIN THE DISCORD: https://discord.gg/Q3XPfBm Follow Adam22: http://www.instagram.com/adam22 adam22bro on Snapchat Learn more about your ad choices. Visit megaphone.fm/adchoices

We talk a big game about taxes, until the bill actually shows up in our inbox. This week I'm digging into a question that's been nagging at me ever since Montclair, one of the most progressive towns in New Jersey, split down the middle over a special election to cover a $20 million school budget deficit. It wasn't that people stopped believing in public schools. It was more like, prove to me this actually fixes anything.That flinch, the gap between what we say we believe and what we're willing to pay for, is exactly what financial planner Georgia Lee Hussey has been sitting with. Georgia is the founder of Modernist Financial, and she's noticed something uncomfortable happening even in deeply progressive circles: a growing resistance to taxes, alongside language that sounds a lot like the anti-government scripts used by anti-democratic movements.We get into:The Portland preschool tax story that started Georgia down this rabbit holeWhy there's such a gap between "I support this policy" and "I resent paying for it"Whether this is really about money, or about trust, especially with trust in government sitting at a historic lowWhat "paying" can look like beyond a check: time, civic skills, citizen journalism, showing upThe line between healthy skepticism of government spending and something more corrosiveWhat Georgia saw in Vienna, where a huge share of residents live in subsidized housing, and what (if anything) that model could teach an American system built on individual tradeoffsHer advice for a median-income family when no amount of smart financial planning can solve housing, elder care, or college costs on its ownLearn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.