Podcasts about Planning

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the “why” behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

In this episode of Planning Aces, CFO Kevin Rubin of Zscaler, CFO Bruce Schuman of Universal Technical Institute, and CFO Razzak Jallow of FloQast share how disciplined FP&A leadership is shaping AI adoption. Rubin frames AI as a capital allocation exercise governed centrally to prevent tool sprawl. Schuman stresses foundational readiness—data governance, ERP consolidation, and process redesign—before deploying AI-driven forecasting. Jallow cautions against fragmented “spaghetti AI,” advocating for platform coherence and skill development. Together, they reveal that AI success in FP&A depends less on speed and more on governance, architecture, and trust in the planning process.

What if the reason you feel disappointed after reaching a goal… isn't failure — but lack of preparation? In this episode of The Millionaire Woman Show, Debra Kasowski explores why so many high achievers experience an emotional letdown after finally accomplishing what they worked so hard for. From income milestones to leadership promotions to personal breakthroughs, success can feel surprisingly empty when we haven't prepared ourselves to sustain it. Debra unpacks the concept known as the “arrival fallacy,” popularized by positive psychology expert Tal Ben-Shahar, the belief that happiness lies at the finish line. You'll discover: Why achievement without identity growth leads to dissatisfaction The three layers of preparation: mental, strategic, and emotional How to build consistency that creates self-trust Practical strategies to prepare for the opportunities you say you want Why celebration and reflection are essential to sustainable success Preparation isn't just about planning logistics. It's about becoming the person who can hold the next level. If you desire greater impact, income, influence, or legacy — this episode will challenge you to stop waiting and start preparing. Because when your opportunity arrives…you don't want to meet it overwhelmed. You want to meet it ready. Debra Kasowski is the charismatic podcast host of The Millionaire Woman Show, 3X Best Selling Author, Speaker, and Certified Executive Coach. She interviews incredible speakers, authors, CEO, Business and Organizational Leaders, and drops solo episodes with tips, strategies, and techniques for your success. GET YOUR GIFT Sign up for our Success Secrets Newsletter and download your FREE 10-page PDF of Reset Your Mindset at www.debrakasowski.com. Book your Complimentary Discovery Session with Debra today! 1. Connect with Debra Kasowski on social media Instagram https://www.instagram.com/debrakasowski YouTube https://www.youtube.com/@UCIg8Qcl0OERGMbT5eOUGkCg Facebook https://www.facebook.com/DebraKasowskiInternational/ 2. SUBSCRIBE to The Millionaire Woman Show podcast on iTunes 3. PURCHASE Debra's books – Amazon, Barnes & Noble,

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

-What We've Been Watching-Join Our Patreon And Over 50 Exclusive Episodes In 2026. All Episodes Ad-Free & Early Access https://www.patreon.com/GeekVerse-Find Our Discord, Podcast/Video Feeds & Social Media In The Link Below! https://solo.to/geekverseTOPICSSony Officially Rebooting The Sony-Marvel Verse, Planning Out Our Phase 1 Of The RebootTrailer Reviews :Backrooms, Toy Story 5, The Yeti, Over Your Dead Body, The Mummy, Bodycam, SlantedBecome a supporter of this podcast: https://www.spreaker.com/podcast/geekverse-podcast--4201268/support.

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 11 o'clock hour is brought to you by TRAJAN WEALTH; Planning for tomorrow starts today. Visit Trajan Wealth dot com to learn more about retirement and state planning On Campus - Kirby's telling stories RedZone - NFL Combine Day 2 US Hockey with Olympic size ratings See omnystudio.com/listener for privacy information.

In this episode of Skip the Queue, Andy Povey is joined by Ray Hole of Ray Hole Architects for a wide-ranging and thought-provoking conversation about strategy, storytelling and the true economics of experience design. Key Topics Discussed The “Camelot” collaboration model in attraction development Experience economy vs. pure economics Primacy and recency effects in guest psychology Designing the departure experience Turning operational cost into experiential value Storytelling through architecture Instagrammable design and generational behaviour Empathy in ticketing and security Integrating accommodation into attraction strategy Converting capex into revenue-generating experiences   Show References:   Ray Hole, Managing Director of Ray Hole Architects https://www.rayhole-architects.com/ https://www.linkedin.com/in/ray-hole-a6b7396/   Skip the Queue is brought to you by Merac. We provide attractions with the tools and expertise to create world-class digital interactions. Very simply, we're here to rehumanise commerce. Your host is Andy Povey.   Credits: Written by Emily Burrows (Plaster) Edited by Steve Folland Produced by Emily Burrows and Sami Entwistle (Plaster) Download The Visitor Attractions Website Survey Report - https://www.merac.co.uk/download-the-visitor-attractions-survey We have launched our brand-new playbook: ‘The Retail Ready Guide to Going Beyond the Gift Shop' — your go-to resource for building a successful e-commerce strategy that connects with your audience and drives sustainable growth. Download your FREE copy here

Episode 5165: Georgia Is Still The Railhead Of 2026; What Is JP Morgan Planning Against Trump

Brent Toderian has decades of experience in city planning, urban design, and transportation. He was chief planner for the city of Vancouver from 2006 to 2012, a time when the city hosted and was transformed by the Winter Olympics. As a consultant, Brent has advised and collaborated with folks from Auckland to Buenos Aires to Copenhagen to Reykjavik, and he often sparks conversation on social media, where he is one of the most prominent voices advocating for more human and humane urban design. We talked with him about how to make downtowns attractive and livable for families, why developers should value regulation, and that legendary urban Costco in Vancouver. Plus, Brent gives us the scoop on the new Urban Truth Collective and its mission to beat back the lies people tell about cities. Join The War on Cars on Patreon and listen to exclusive ad-free versions of regular episodes, Patreon-only bonus content, Discord access, invitations to live events, merch discounts and free stickers! Find out more about Brent Toderian and all his projects at his website, and follow him on Bluesky. And check out the brand-new Urban Truth Collective, Brent's collaboration with Tom Flood and Grant Ennis. Order our new book, Life After Cars: Freeing Ourselves from the Tyranny of the Automobile, out now from Thesis, an imprint of Penguin Random House. Find us on tour and get tickets at lifeaftercars.com. Thanks to Cleverhood for sponsoring this episode. Listen to this episode for the latest discount code and get the best rain gear for walking and cycling. The War on Cars is produced with support from the Helen and William Mazer Foundation. www.thewaroncars.org

Today we are talking about approaching one thing you do in a new way… that will positively benefit your life in lots of ways. It's the way you plan your meals.  It's the shift of thinking about food or meals when you start to feel hungry or when it's about time to eat… to thinking about meals ahead of time.. sometimes a few hours and other times a few days before.  It's actually EASIER than doing it last minute because you can plan for a few meals at once rather than each meal like a fire drill when its time to eat… it can be cheaper because you aren't having everything delivered and it's way healthier because we know home cooked meals if done right, are usually the best for you. We all know we're going to eat today.  We know roughly when we're going to eat today. So it doesn't make sense to deal with it at the last minute…. when you're starving, and stressed to get something going and often end up eating much later than you want to. This episode isn't about telling you what to eat.  Because of course, do what you want. It's a really helpful chat I think about how to think differently about eating so you stay aligned with your goals, your health, your energy… and honestly your peace of mind. ***The Problem Isn't Cravings… It's Lack of Planning*** Most people think they "fell off" because of willpower. But most of the time? It's not cravings.  It's not discipline. It's poor planning. You didn't think about lunch…  You didn't prep dinner…  You showed up somewhere starving… and suddenly you're stuck with whatever options exist. And then you feel frustrated… not because you wanted that food… but because you didn't plan ahead. When you change the way you think about meals… everything shifts. *** The Mindset Shift… Always Be Thinking One Meal Ahead*** Always be thinking about your next meal before you need it. Not obsessively… just intentionally. Ask yourself: • What am I eating next?  • Where will I be?  • Will there be options I actually want?  • Do I need to prep something or bring something? This one shift removes: last-minute stress  decision fatigue  random eating you regret  overspending on delivery You stop reacting… and start operating on purpose. ***My Personal Food Philosophy (Without Telling You How To Eat)*** For me personally, I eat very specifically because that's when I feel my best. Mostly single-ingredient foods…  Organic fruits and vegetables…  Grass-fed meats…  Organic eggs… raw cheese… rice… pasta… chicken… High protein, lower carbs… zero refined sugar… minimal processed ingredients. Kind of carnivore-ish with fruits, honey, berries, dates — foods that actually fuel me. But listen… this podcast is not about copying how I eat. You should eat in a way that makes you feel energized and aligned. The real takeaway is this: Whatever your style is… planning ahead protects it. ***Tactical Strategies That Make This Easy*** 1. Cook Once, Eat Twice  Dinner isn't just dinner… it's tomorrow's lunch.  Make extra on purpose.  Future you will be grateful when lunch is already solved. 2. Pre-Decide Your "Default Meals"  Have a short list of meals you rotate.  Less thinking… more consistency.  Decision fatigue disappears when meals become automatic. 3. Think About Your Schedule Like a Food Map  Look at your day and ask: Am I driving somewhere long?  Am I going somewhere with limited options?  Do I need snacks?  Should I eat before I go? Planning food is really just planning logistics. 4. Bring Food Without Making It Complicated  A cooler bag… simple containers… prepped proteins… fruit… dates…  Not fancy.  Just intentional. 5. Make Eating Out an Event — Not a Reaction  For me, eating out is something I enjoy intentionally.  Not something I fall into because I didn't think ahead. That small mindset shift changes your relationship with food entirely. ***The Hidden Benefits Nobody Talks About*** Planning meals ahead doesn't just change what you eat… It changes your whole day. You save time.  You save money.  You avoid DoorDash panic orders.  You reduce mental clutter.  You feel calmer because decisions are already made. And honestly… You feel proud of yourself because your actions match your goals. ***The Bigger Picture*** This isn't really about food. It's about living intentionally. When you plan your meals… you're saying: "I'm not leaving my health up to chance." You're not reacting to hunger… you're designing your life. And that energy spills into everything else: Your workouts.  Your focus.  Your confidence. Look at your day the night before!  Think about what meals you (and your family if you have one) will eat the next day.  It changes how it all goes!! This one shift might sound small… But it completely changes how you show up in your body and your life. And that's awesome!!

In hour four, filling Hoch in on the potential of Crowder and Omar Kelly stepping into the ring to box each other. If there was a Royal Rumble of just WQAM employees, who would win? Plus, Solana bakes cookies for the guys!?!?!?!

#310 In this episode, Thom Plummer shares insights on how gym owners can build lasting businesses by focusing on purpose, continuous learning, and strategic planning. Discover how to avoid common pitfalls, develop emotional connections, and reinvent your approach every few years for lasting success and fulfillment. Main Topics Covered: The importance of starting with a clear life and business purpose Mastering core skills: sales, marketing, and finance Developing emotional ties through storytelling and communication The significance of strategic exit planning and long-term vision Reinventing your business approach every 3-5 years Trends shaping the future of gyms, including aging populations and AI impacts Personal character traits that foster ongoing growth and leadership Timestamps: 00:00 - Introduction and guest credibility 02:29 - Beginnings in the gym industry in 1977 04:13 - Lessons learned from past entrepreneurial ventures 07:15 - Mastering business fundamentals for gym owners 09:14 - Horizontal vs. vertical management in gyms 11:19 - The importance of daily sales and marketing discipline 13:21 - Planning your business with an end goal in mind 17:30 - The significance of understanding your exit strategy 20:39 - Trends: aging populations and classic gym models return 23:10 - The dangers of chasing other people's dreams 25:22 - The power of storytelling and emotional connection 27:05 - Developing communication skills for business growth 29:24 - The impact of reading and continual learning 32:37 - AI, data, and future trends in the fitness industry 35:52 - Reinventing the business every 3-5 years 39:00 - Personal stories of transformation and leadership 43:41 - Building genuine client relationships and community 47:36 - The value of personal integrity and serving others 51:22 - Continual self-education and pulling the thread of knowledge 54:08 - Resources and strategies for improving writing skills 58:23 - The importance of storytelling and human touch in marketing 61:00 - Final reflections on purposeful living and legacy Resources & Links: The Experience Economy by Pine & Gilmore Stage Not Age by Christina Roulstone Anne Handley's Writing Courses Gotham Writers Workshop SNHU Writing Programs Connect with Thom Plummer: Perform Better Speaker Schools Additional Highlights: Emphasizing that true progress comes from intentional story-driven communication. The necessity of planning the business's end game to align daily actions. Reinvention as key to staying relevant amidst changing industry trends. The importance of character traits like coachability, humility, and service. This episode underscores that long-term success in the gym industry hinges on purpose, strategic management, continual learning, and authentic human connection. Implement these principles to elevate your business and life.  

In this episode of The Jason Cavness Experience, I sit down with Barry Gipson, better known as the Cowboys Unifier content creator, Dallas Cowboys superfan, and featured speaker at Military Creator Con. Barry shares how he built and monetized a content brand rooted in sports, community, and veteran identity. We break down how Facebook monetization actually works, how he generates revenue from memes and engagement, and why most creators quit before the real results show up. Barry is not just attending Military Creator Con. He's a featured speaker, sharing lessons from a decade of content discipline, audience building, and platform monetization. As a veteran creator, he represents what's possible when you combine consistency, niche focus, and community-first thinking.  We also discuss: • How Barry monetized Facebook and built recurring revenue • Turning passion into a sustainable content business • Why veterans have an advantage in discipline and execution • Planning content like a long-term brand, not a viral gamble • The psychology of algorithms and audience loyalty • Dealing with critics and staying consistent • Why niche audiences outperform broad appeal • What he'll be sharing on stage at Military Creator Con Barry proves you don't need a studio setup to win. You need focus, repetition, and the willingness to show up for years. If you're a veteran creator, entrepreneur, or someone serious about monetizing social platforms, this episode delivers practical insight.  Connect with Barry Gipson LinkedIn: https://www.linkedin.com/in/barry-gipson-cowboys-unifier/ Website: https://officialamericasteam.com/ Facebook: https://www.facebook.com/cowboysunifier Military Creator Con Website: https://www.militarycreatorcon.com/ Connect with Jason Cavness LinkedIn: https://www.linkedin.com/in/jasoncavness  Instagram: https://www.instagram.com/thejasoncavnessexperience/ TikTok: https://www.tiktok.com/@jasoncavness Podcast: https://www.thejasoncavnessexperience.com Be Great Every Day!

Planning a London itinerary sounds simple… until you actually try to do it.With so many iconic landmarks, historic sites, museums, neighbourhoods and experiences to choose from, it is easy to overpack your days, waste time travelling across the city, or miss the moments that truly make London special.In this week's episode Tracy is joined by Becki from Walks and Devour Tours to share expert advice on building a realistic, well-paced, and memorable London itinerary.Together they discuss:• The biggest mistakes visitors make when planning their London trip • How to prioritise must-see landmarks without exhausting yourself • Why grouping attractions by area makes a huge difference • When guided tours transform your experience at places like the Tower of London and Westminster Abbey • How to balance big-ticket sights with slower, immersive experiences • What to book in advance and what you can leave flexible • Simple ways to enjoy London like a localIf you are planning your first visit to London - or returning and wanting to do it better - this episode will help you create an itinerary that feels exciting, manageable, and truly unforgettable.

Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distributions. They had delayed their first RMD until April of the following year — which meant taking two distributions in one tax year. That part was allowed. In some cases, it can even be strategic. But when they called their IRA custodian and asked, “How much should I withhold for taxes?” they were given the default answer: 10% federal withholding. They assumed that must be right. It wasn't. They ended up short on taxes by more than $10,000 — and owed penalties on top of that. That situation wasn't caused by breaking a rule. It was caused by following the rule without a plan. And that's where most RMD mistakes begin. I recently wrote an article for Kiplinger magazine titled “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” and for this week's episode of the “Retire Today” podcast I decided to talk through each of these mistakes in detail. Mistake #1: Waiting Until Age 73 to Create a Plan Turning 73 is not a strategy. If you wait until the government forces your first RMD to think about it, you've already missed years of opportunity. The window between retirement and RMD age is often the most flexible tax-planning period of your life. In those years, you may have: Lower earned income No required withdrawals yet Control over when and how you take distributions That's prime territory for intentional tax planning. Once RMDs begin, you've lost some flexibility. In the KEEP step of the Retirement Master Plan, tax timing matters. RMDs don't happen in isolation. They interact with Social Security, pensions, and brokerage income. Planning ahead—sometimes a decade ahead—can dramatically change the long-term outcome. Mistake #2: Failing to Make Use of Qualified Charitable Distributions (QCDs) This one surprises me every year. RMDs currently begin at age 73 (moving to 75 for those born in 1960 or later). But Qualified Charitable Distributions still start at 70½. That means you can send money directly from your IRA to a charity before RMDs even begin. Why does that matter? Because a QCD: Reduces your IRA balance (lowering future RMDs) Keeps the distribution out of your taxable income May help limit Social Security taxation May help reduce Medicare premium surcharges Many retirees continue writing checks to charities from their checking account, hoping for a deduction. With today's larger standard deduction, many people don't itemize at all. Going directly from IRA to charity is often more tax-efficient—and sometimes dramatically so. If charitable giving is already part of your plan, the tax strategy should be part of it too. Mistake #3: Doing the Wrong Tax Withholding When retirees call their custodian to take their RMD, they're often asked: “How much would you like withheld for taxes?” The default federal withholding is often 10% for IRAs and 20% for 401(k)s. Many people assume, “That must be right.” It often isn't. I recently saw a retiree who delayed their first RMD until April of the following year—which meant taking two distributions in one year. They defaulted to 10% withholding. They ended up underpaying taxes by more than $10,000 and owed penalties. The custodian can't provide tax planning. That's not their role. Before taking an RMD, you need to project: What tax bracket you'll land in Whether additional withholding is necessary How this affects your overall estimated payments Again, this falls under the KEEP step. Don't let the default settings dictate your tax bill. Mistake #4: Not Realizing How Your RMD Income Affects the Rest of Your Tax Return RMDs don't just increase taxable income. They can: Make more of your Social Security taxable Push capital gains from 0% into taxable territory Trigger Medicare IRMAA surcharges Many retirees focus only on their marginal bracket. But the real issue is tax cost, not tax bracket. An extra $20,000 RMD might not just be taxed at 22%. It could cascade into additional taxation elsewhere. That's why projections matter. You don't want to discover these ripple effects after the fact. Mistake #5: Forgetting That the M in RMD means ‘Minimum,' not ‘Maximum' The M in RMD stands for minimum. It does not mean that's the only amount you're allowed to withdraw. You can: Withdraw more than your RMD Complete Roth conversions after satisfying the RMD Send more than your RMD amount to charity (subject to QCD limits) Sometimes taking more than the minimum makes sense—especially if it smooths taxes over multiple years. RMDs are a rule. They are not a retirement strategy. The Bigger Lesson RMDs are not just a government requirement. They are a planning opportunity—or a planning hazard. They affect your income plan (MAKE), your spending plan (SPEND), your tax strategy (KEEP), and even what you ultimately LEAVE behind. The biggest mistake isn't misunderstanding a rule. It's treating RMDs as an isolated event instead of part of a coordinated retirement master plan. Because in retirement, small tax decisions compound just like investment returns may do. And when handled intentionally, RMDs don't have to derail anything at all. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: – Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps – “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” by Jeremy Keil, Kiplinger Magazine – https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/rmd-mistakes-that-even-seasoned-retirees-can-make – Create Your Retirement Master Plan in 5 Simple Steps – 5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

This week on the show, you're going to ride along with me from the incredibly comfortable and stylish VW ID.Buzz, which served as the mobile podcast studio at CEDIA Expo / CIX this September in Denver, Colorado. Were going back for more conversations from the show. Designer Resources Pacific Sales Kitchen and Home. Where excellence meets expertise. TimberTech – Real wood beauty without the upkeep CEDIA (Custom Electronic Design & Installation Association) is the global trade association for home technology professionals, specializing in smart home, automation, audio-visual, networking, and integrated systems. Its mission is to advance the home technology industry through education, certification, advocacy, and networking. Members include integrators, designers, manufacturers, and consultants who shape the connected environments we live and work in. CEDIA Expo is the industry's largest annual event for residential technology professionals. With hundreds of exhibitors, educational sessions, live demos, and global networking opportunities, it's where new ideas and innovations in smart home and AV integration take center stage. The Commercial Integrator Expo (CIX), co-located with CEDIA Expo, focuses on commercial integration technologies—from conferencing and IT infrastructure to building automation and emerging AV solutions—bringing together commercial integrators, IT pros, designers, and tech managers. Jason McGraw | Group VP and Show Director, CEDIA Expo / CIX Scope of the Show: McGraw details the scale of CEDIA Expo 2025, featuring over 350 exhibitors and immersive demo rooms that showcase integrated audio, video, and control systems. Integration Meets Design: Discussion centers on the critical partnership between integrators and the design-build community (interior designers, architects, builders). McGraw emphasizes that technology—ranging from AI and energy management to lighting—must be a foundational element of the design process, not an afterthought. The Business Case: Designers are encouraged to view integrators as essential trade partners, similar to electricians or plumbers, to better service clients and protect home networks. Dale Sandberg | Product Manager for Electronics, Sonance Aesthetic Performance: Sandberg discusses Sonance's philosophy that sound should support the design of a space rather than dominate it. The focus is on blending high-fidelity performance with discreet aesthetics. New Innovations: Highlights include the compact UA Series amplifiers designed to fit behind displays or in tight spaces, and the integration of professional-grade Blaze Audio amplifiers into the Sonance family. Outdoor Living: The conversation covers the growing trend of outdoor entertainment, where amplifiers and speakers are used to create immersive environments in backyards and outdoor kitchens. Jim Garrett | Senior Director of Product Strategy, Harman Luxury Audio Group Hidden Technology: Garrett addresses the challenge of eliminating “wall acne” through invisible speakers and design-integrated solutions that do not compromise acoustic performance. Pandemic Influence: The discussion explores how the pandemic shifted focus toward outdoor living and unconventional entertainment spaces, including garages and multi-generational gaming setups. Brand Portfolio: Insights into the product strategies for Harman's luxury brands—JBL, Revel, Mark Levinson, and JBL Synthesis—and the importance of gathering direct feedback from integrators to drive R&D. Links & Resources CEDIA Expo Commercial Integrator Expo NKBA – National Kitchen & Bath Association KBIS – Kitchen & Bath Industry Show Show Topics & Outline CEDIA Expo 2025 Snapshot Denver, Colorado Convention Center 350+ exhibiting brands, 100+ conference sessions, 115 manufacturer trainings Demo rooms showcasing integrated audio, video, and control systems The Wave Effect of Trade Shows Innovation as unseen currents shaping the industry Ideas incubated at CEDIA spreading across markets and returning as trends Integration Meets Design Town hall insights with CEDIA's Daryl Friedman & NKBA's Bill Darcy Bridging integrators with interior designers, kitchen & bath professionals, and architects Untapped opportunities in collaborative smart home projects Technology as a Design Driver AI, energy management, lighting trends, and seamless AV systems Why technology must be discussed at the start of design projects Case studies: motorized shades, outdoor AV, invisible speakers, custom veneers Outdoor Living & Luxury Spaces Kitchens and backyards as multi-hundred-thousand-dollar investments Expanding living spaces through technology Luxury demo rooms and high-performance home theaters Why Designers Should Be Here Missing out on competitive advantages without CEDIA exposure Seeing products in person vs. static web images Real examples of design-centric AV solutions and invisible tech The Business Case Designers need integrators just as they need electricians, plumbers, and fabricators Protecting networks and ensuring cybersecurity in the home Service and maintenance as part of the client experience Looking Forward Progress and serendipity at trade shows Extending collaboration with KBIS and IBS (Orlando, 2026) Building lasting bridges between integrators and designers Links & Resources CEDIA Expo Commercial Integrator Expo NKBA – National Kitchen & Bath Association KBIS – Kitchen & Bath Industry Show Dale Sandberg on Sonance, New Electronics, and Designing for Sonic + Aesthetic Experience Dale Sandberg, new Product Manager for Electronics at Sonance, shares how the company is blending high-fidelity performance with discreet design solutions, introducing amplifiers and loudspeakers that elevate both sonic and aesthetic experiences in residential and commercial spaces. At his first CEDIA Expo, Dale highlights Sonance's latest innovations, from compact UA Series amplifiers designed to disappear behind displays to Blaze Audio's professional-grade amplifiers now integrated into the Sonance family. With a philosophy that sound should enhance the design of a space rather than dominate it, Sonance is shaping how integrators and designers deliver immersive, comfortable experiences both indoors and out. Guest: Dale Sandberg, Product Manager for Electronics, Sonance. Background: from pro audio to Sonance, less than one year with the company. Context: first CEDIA Expo experience, excitement about Sonance's direction. New Product Highlights Loudspeakers High Output Series (professional side). Wedge speaker for outdoor/architectural blending. Re-engineered Power Pipe subwoofers for stronger low-end performance. UA Series Amplifiers Compact two-channel models (UA-125, ARC-enabled versions). Mountable behind TVs, under tables, or in tight spaces. Features T-slots for stacking/mounting other gear. Energy-efficient design with minimal heat output. Blaze Audio Amplifiers Sonance acquisition of Blaze Audio brand (Pascal, Denmark). Range from 60W per channel up to 400W bridged. Full DSP capability, rack-mountable, UL-rated. Outdoor applications via weather-rated cases. Design & Integration Perspective Compact electronics give designers freedom to hide gear while maintaining performance. Balancing performance and aesthetics: sound follows the design, not the other way around. Example: background music at parties that fills space without overwhelming conversation. Outdoor living trend: amplifiers and speakers enabling outdoor kitchens, theaters, and entertainment spaces. Company Ethos & Philosophy Mission: deliver complete audio solutions—amplification, processing, and speakers. Philosophy: the sonic experience should support the aesthetic experience of a home or space. Growth vision: expand residential dominance while building commercial presence. Takeaway: not just about volume—it's about creating the right experience. Jim Garrett | Harman Luxury Audio Jim Garrett on Harman's Audio Innovations, Hidden Tech, and Pandemic-Inspired Entertainment Jim Garrett, Senior Director of Product Strategy and Planning at Harman Luxury Audio Group, shares how the company balances high-performance audio with design aesthetics, explores emerging opportunities in outdoor and unconventional home entertainment, and highlights why integrator feedback is vital to shaping future products. From invisible speakers to immersive home cinema solutions, Jim Garrett takes listeners behind the scenes of Harman's engineering and R&D process, discussing product development for brands like JBL, Revel, Synthesis, and Mark Levinson. He explains how the pandemic inspired new entertainment spaces, how technology can be seamlessly integrated into interiors, and why CEDIA Expo remains an essential hub for innovation, collaboration, and awareness in the custom electronics industry. Guest: Jim Garrett, Senior Director of Product Strategy & Planning, Harman Luxury Audio Group. Role: Oversees product roadmap, development direction, and exhibition strategy. Context: Recorded in Volkswagen ID.Buzz at CEDIA Expo 2025. CEDIA Expo 2025 Overview Largest booth shared with parent company Samsung. Opportunity to engage integrators directly and gather actionable feedback. Importance of listening to installation professionals to improve products. Product Strategy and Brand Focus Harman Luxury Audio Group brands: JBL, JBL Synthesis, Revel, Mark Levinson. Focus at Expo: JBL Synthesis for home cinema and immersive audio. Solutions include invisible speakers, wall/ceiling installations, and custom home audio products. Balancing Performance and Aesthetics Challenge: high-performance products that are visually unobtrusive. Goal: eliminate “wall acne” with invisible or design-integrated speakers. Inspiration drawn from evolution in lighting design to minimize visual clutter. Engineering and R&D Harman's science-based approach: performance must meet visual and acoustic demands. Innovation includes weatherproof outdoor speakers and displays for bright sunlight. Teams challenged to create high-fidelity systems that integrate seamlessly into homes. Expanding Entertainment Spaces Pandemic influence: growth of outdoor living and unconventional entertainment areas. Multi-generational engagement: home theaters, garages, patios, bathrooms, and gaming setups. Flexibility of audio/video systems allows new experiences across the home. Integration and Awareness Educating interior designers, architects, and end users about hidden tech. Raising awareness of capabilities beyond audio: lighting, shades, HVAC, security integration. Emphasis on simplifying life at home while elevating performance and experience.

Tue, 24 Feb 2026 14:45:00 GMT http://relay.fm/focused/250 http://relay.fm/focused/250 David Sparks and Mike Schmitz David & Mike discuss how to plan your week and share their own weekly planning workflows. David & Mike discuss how to plan your week and share their own weekly planning workflows. clean 4134 David & Mike discuss how to plan your week and share their own weekly planning workflows. This episode of Focused is sponsored by: Gusto: Payroll, HR, Benefits. Simplified. Get 3 months free. Links and Show Notes: Deep Focus: Extended ad-free episodes with bonus deep dive content. Productivity Field Guide 2026 (Pro Edition) | MacSparky Field Guides The 4 Disciplines of Execution Supernote Nomad Analog Weekly Cards | Ugmonk The End of Burnout by Jonathan Malesic The Pe

Tue, 24 Feb 2026 14:45:00 GMT http://relay.fm/focused/250 http://relay.fm/focused/250 Planning Your Week 250 David Sparks and Mike Schmitz David & Mike discuss how to plan your week and share their own weekly planning workflows. David & Mike discuss how to plan your week and share their own weekly planning workflows. clean 4134 David & Mike discuss how to plan your week and share their own weekly planning workflows. This episode of Focused is sponsored by: Gusto: Payroll, HR, Benefits. Simplified. Get 3 months free. Links and Show Notes: Deep Focus: Extended ad-free episodes with bonus deep dive content. Productivity Field Guide 2026 (Pro Edition) | MacSparky Field Guides The 4 Disciplines of Execution Supernote Nomad Analog Weekly Cards | Ugmonk The End of Burnout by Jonathan Malesic The Peace Of W

You have so many great ideas and amazing projects and they're just sitting there in your planning drawer waiting to be finished and released into the world.Jona Hysa helps us today with getting through the perfectionism and set up a system to move those ideas, those offers, and those projects into the launching stage.----Sponsor of the show: Imagen AIGet 1500 images edited for free when you try Imagen at https://imagenai.com/allheartphoto----Connect with Jonainstagram.com/jona.hysa_digitaltime4pa.com----Follow the showPatreon: https://patreon.com/wittpodWebsite: https://podcast.allheartphoto.comInstagram: https://instagram.com/witt.podYouTube: https://www.youtube.com/@wisdominthetangents

Note: Video of this episode can be found on Youtube and Spotify! Coming soon to Apple Podcasts. In this episode, hosts Tom Kim and Trevor Mountcastle recount Trevor's recent New Years trip to Australia that included visits to Brisbane, Sydney and Melbourne. They discuss the challenges of booking flights using points and miles, the varying experiences with American Airlines and Qantas business class, and the highlights of their stay in Brisbane, including the Lone Pine Koala Sanctuary. The conversation also covers their New Year's Eve celebrations in Sydney, exploring local attractions like the Opera House and The Rocks, and the unique culinary experiences they encountered. The hosts also discuss Melbourne and her beautiful markets and the Australian Open. They discuss the challenges of booking travel during peak times, the logistics of traveling with family, including limited mobility considerations, and how we chose specific flight experiences to mitigate those logistical challenges, such as the importance of non-stop flights. Key Points From This Episode: 00:00 Introduction to the Australian Adventure 00:47 Planning the Trip: Points and Miles Challenges 04:55 Flight Experience: Comfort and Crew Dynamics 11:27 Arrival in Australia: First Impressions 17:55 Hotel Experience: Hyatt Regency Brisbane 21:21 Wildlife Encounters: Lone Pine Koala Sanctuary 26:37 Exploring Brisbane: Markets and Local Culture 27:47 Traveling to Gold Coast: A Budget-Friendly Choice 31:04 Accessibility Challenges in Air Travel 31:22 Packing Light for a Long Trip 34:56 Choosing Accommodations: From Hyatt to Apartments 36:28 New Year's Eve in Manly: A Family Celebration 44:11 Transitioning to Hyatt Regency: A Familiar Stay 48:10 Exploring Sydney: New Experiences and Local Markets 50:49 Cultural Experiences: A Visit to the Opera House 51:40 Experiencing the Sydney Opera House 52:46 Traveling to Melbourne: A New Adventure 53:52 Hotel Experiences and Upgrades 55:32 Booking Strategies for Travel 59:07 Exploring Melbourne: Markets and Local Culture 01:00:38 Weather Challenges in Melbourne 01:04:34 Dining Experiences and Service Culture 01:11:07 Unexpected Adventures at the Australian Open 01:16:56 Experiencing Sporting Events with Low Friction 01:19:07 Navigating Travel Logistics and Flight Changes 01:22:33 Dining Experiences in Airports 01:26:31 First Class Lounge Experience at Qantas 01:27:30 Reflections on Long-Haul Flights 01:34:15 Desire to Return to Australia and Future Travel Plans 01:36:51 The Value of Nonstop Flights

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 11 o'clock hour is brought to you by TRAJAN WEALTH; Planning for tomorrow starts today. Visit Trajan Wealth dot com to learn more about retirement and state planning On Campus - Kirby does stand-up BTG Winter Olympic hangover See omnystudio.com/listener for privacy information.

In this episode of the JAMODI Podcast, Coach Matt Sayman sits down with Coach Jake Garner, Head Boys Basketball Coach at Walnut Grove High School in Prosper ISD. From small-town Texas roots to opening a brand-new high school program, Coach Garner shares the leadership lessons, systems, and daily disciplines that have shaped his journey.This conversation dives deep into culture building, parent relationships, spring development, and how to balance school basketball with the realities of select/AAU in the DFW area.If you're a high school basketball coach, athletic director, or leader building something from the ground up, this episode is packed with practical takeaways.Key Topics Covered:

In this solo episode of Even Better, Sinikka Waugh explores what it means to plan with purpose, drawing on insights from recent quarterly planning and coaching conversations. She breaks planning into three essentials: setting simple yet SMART goals that bring clarity, identifying the big rocks that matter most so they do not get buried in the daily grind, and finding a rhythm that keeps you focused and aligned. Sinikka reflects on how easily cadence slips and how weeks or even months can pass without us noticing, and she highlights the value of reconnecting to a natural, intentional rhythm. Throughout the episode she returns to one grounding question: Why am I doing this? With practical examples and honest reflection, Sinikka encourages listeners to view planning not as a task to complete but as a purposeful practice that helps us stay connected to our priorities and move through life with greater intention. -- Sinikka Waugh - Connect with me on either LinkedIn or send me an email! Founder, Owner, Trainer, and Coach Sinikka Waugh, PMP, President and CEO of Your Clear Next Step, spends her days helping people have better workdays. Trainer, coach, business leader, and difference maker, Sinikka is known for consistently helping people solve problems and get things done at work. With a 20+ year background in languages, literature, and project management, Sinikka has helped over 50,000 people have better workdays since 2008. Her clients value how her professionalism blends seamlessly with her down-to-earth, "try this now" approach and her passion for helping others. Sinikka holds a BA from Central College, an MA from the University of Iowa, and is a certified Project Management Professional through the Project Management Institute (PMI).

In this episode of the Dover Download podcast, Deputy City Manager Christopher Parker chats with Finance Director Dan Lynch, Planning and Community Development Director Donna Benton, and Public Welfare Director Dave Balian about their respective fiscal year 2027 budget presentations. Parker begins with a brief overview of the Executive Department budget, noting it is largely personnel-driven with no major capital costs. Lynch explains that the Finance Department budget is developed with input from division supervisors across Purchasing, Accounting, the City Clerk/Tax Collector, and Assessing offices. He notes that unlike recent years, which saw the implementation of new voting machines and a computer-aided mass appraisal system, FY2027 has no major capital purchases. Benton discusses the Planning Department budget, highlighting a reduction in the Transportation chapter of the Master Plan line item from $100,000 to $40,000 as the department shifts to the Stewardship chapter. She notes her request for an additional building inspector to handle increasing development activity was not included in the proposed budget. Balian outlines the welfare department's five-point approach to budget development, which considers current and historical spending, economic factors, employment trends, and potential legislative cost shifts. He emphasizes that local welfare is state-mandated but funded entirely through local general funds, and that his department has held its budget flat for several years by investing in better case management and partnerships with outside agencies. Listeners can explore all budget presentations on the city's Budget Revealed page at: https://www.dover.nh.gov/government/open-government/budget-revealed/fy2027-budget/.In This Week in Dover History, we look back at "Dover's Black Day" — the catastrophic flood of March 1, 1896, when a 10-hour rainstorm caused the Cochecho River to rise between six and 10 feet. The flood destroyed five bridges, swept buildings from the Central Avenue Bridge into the river, caused over $300,000 in damages, and effectively ended Dover's shipping industry by filling the river with silt and debris.

In this episode, I'm sitting down with estate planning attorney Cecilia Amo to talk about something most of us avoid — wills, trusts, and what actually happens if something happens to us. But this conversation goes way deeper than legal documents.  We talk about legacy, faith, values, and what it looks like to fully integrate who God made you to be into your calling and business. Cecilia shares why estate planning is a spiritual responsibility, how the government already has a default plan for your family (yes, really), and how to make sure your kids are raised with your values if the unthinkable happens. This episode will challenge you to think beyond money and start thinking generationally. __________________________________________________________ Ready for more? Here are 3 ways we can help you: 1)

In this episode, Dr. Killeen shares a simple evening habit that leads to better sleep and stronger mornings. By writing down tomorrow's priorities and setting up the environment ahead of time, you free your mind from overnight planning and reduce friction the next day. Preparation beats motivation and that small, intentional habit can quietly improve both rest and performance.

Benson officials face a March 6 deadline to answer state investigators as the Attorney General’s office keeps digging into whether the city’s Planning and Zoning Commission followed Arizona’s open meeting rules during key votes on the Aluminum Dynamics permit.Support the show: https://www.myheraldreview.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

In this episode, Ryan Burklo and Alex Collins discuss the complexities of navigating stock market opinions and the futility of market timing. They emphasize the importance of a diversified investment strategy and the need for long-term planning, especially as individuals approach retirement. The conversation highlights the noise created by market predictions and the necessity of focusing on personal financial goals rather than external pressures. Check out our website:  https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #BuiltForLifeNotJustWealth #stockmarket #markettiming #diversification #retirementplanning #financialadvice #investmentstrategies #marketpredictions #wealthmanagement #financialliteracy #economic trends   Takeaways Market timing does not work; it's about time in the market. Predictions are often just guesses; focus on planning instead. Diversification is key to a healthy investment portfolio. Understanding the market means looking beyond just the S&P 500. Many investors are over-concentrated in a few stocks. Zooming out helps to see the bigger picture of investments. Retirement planning should start well before retirement age. It's important to align your financial strategy with personal goals. The financial landscape has changed; past strategies may not apply today. Planning for the future is quieter but more impactful than predictions. Chapters 00:00 Navigating Market Opinions 03:09 Understanding Market Timing and Predictions 05:45 The Importance of Diversification 11:59 Planning for Retirement and Market Valuation  

Tell us what you think of the show! With global energy demand at an all-time high, battery storage is evolving from a flexible filler into a critical grid resource. Success in this new era depends less on the hardware itself and more on the digital intelligence used to run it. By leveraging a digital layer to optimize the economics of battery assets, utilities are now rethinking BESS as a high-value, GW-scale engine for reliability and market participation.To understand what this means on a practical level, we sat down with Brian Fellon, the Senior Vice President of Power Solutions at Xpansiv. He explains why battery energy storage systems are no longer an optional add-on but a critical backbone for grid operators. We also explore how utilities are moving from small-scale pilots to gigawatt-scale operations, the role of batteries in managing volatile demand from data centers, how real-time market participation demonstrates measurable value to regulators and ratepayers and much more. Want to make a suggestion for This Week in Cleantech? Nominate the stories that caught your eye each week by emailing Paul.Gerke@clarionevents.com

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 11 o'clock hour is brought to you by TRAJAN WEALTH; Planning for tomorrow starts today. Visit Trajan Wealth dot com to learn more about retirement and state planning RedZone - Does Baker have beef with Kevin Stefanski On Campus College hoop with a big weekend! See omnystudio.com/listener for privacy information.

This is a recap of the top 10 posts on Hacker News on February 22, 2026. This podcast was generated by wondercraft.ai (00:30): How I use Claude Code: Separation of planning and executionOriginal post: https://news.ycombinator.com/item?id=47106686&utm_source=wondercraft_ai(01:57): Japanese Woodblock Print SearchOriginal post: https://news.ycombinator.com/item?id=47107781&utm_source=wondercraft_ai(03:25): Attention Media ≠ Social NetworksOriginal post: https://news.ycombinator.com/item?id=47110515&utm_source=wondercraft_ai(04:53): A Botnet Accidentally Destroyed I2POriginal post: https://news.ycombinator.com/item?id=47106985&utm_source=wondercraft_ai(06:21): Back to FreeBSD: Part 1Original post: https://news.ycombinator.com/item?id=47108989&utm_source=wondercraft_ai(07:48): Palantir's secret weapon isn't AI – it's Ontology. An open-source deep diveOriginal post: https://news.ycombinator.com/item?id=47107512&utm_source=wondercraft_ai(09:16): What Is a Database Transaction?Original post: https://news.ycombinator.com/item?id=47110473&utm_source=wondercraft_ai(10:44): Iranian Students Protest as Anger GrowsOriginal post: https://news.ycombinator.com/item?id=47108256&utm_source=wondercraft_ai(12:12): People Loved the Dot-Com Boom. The A.I. Boom, Not So MuchOriginal post: https://news.ycombinator.com/item?id=47107819&utm_source=wondercraft_ai(13:39): U.S. Cannot Legally Impose Tariffs Using Section 122 of the Trade Act of 1974Original post: https://news.ycombinator.com/item?id=47108538&utm_source=wondercraft_aiThis is a third-party project, independent from HN and YC. Text and audio generated using AI, by wondercraft.ai. Create your own studio quality podcast with text as the only input in seconds at app.wondercraft.ai. Issues or feedback? We'd love to hear from you: team@wondercraft.ai

Understanding the Human Side of Financial Decisions Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life. Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and social comparisons influence your financial behaviors. From procrastinating on taxes to feeling envy or guilt when scrolling social media, Zach and Christina break down common cognitive biases—like loss aversion and present bias—and offer relatable stories (including a Monopoly experiment!) to show how these play out in real life. Get practical with 5 actionable tools to rewire your financial habits: Automate your savings and bills for less stress Create simple money rituals to reduce avoidance Reframe your money story for a healthier mindset Add friction to overspending and remove it from positive habits Seek accountability and professional support when needed Walk away with strategies to break the anxiety–avoidance loop, resist emotional overspending, and counteract the pressure of social comparison. Whether you're just starting out or looking to strengthen your financial foundation, this episode will help you see your money life as a relationship you can nurture and improve—no shame, just progress.

Welcome to Agronomic Monday on RealAg Radio with your host Lyndsey Smith! For today’s show, Smith is joined by: Dr. Josh Nasielski and graduate student Lance Javier of the University of Guelph on fine-tuning seeding rates for no-till soybeans; Mike Howell of Nutrien on fertilizer planning, ROI and season 5 of The Dirt podcast; Harmeet... Read More

In this episode, Neil explores the psychological trap of treating a business plan as a finished work of art. Using the classic imagery of Wile E. Coyote running off a cliff, Neil reflects on his own experience of ‘running out of plan' after successfully completing a 10-year business roadmap. He discusses the danger of the ‘inner moron' taking over when we lack forward momentum and emphasises that a plan should never be a static relic. KEY TAKEAWAYS Reaching the end of a long-term plan can lead to accidental stagnation if a successor plan isn't already in place. Without a clear, written direction, our less-productive impulses tend to take over, leading to business stalls. A business plan is not a ‘holy relic' or a final work of art; it must evolve as the business and the owner evolve. Set a recurring schedule (at least every six months) to revisit, tweak, and refine your master plan. Always maintain a forecast that extends at least five years past your current milestones to maintain momentum. BEST MOMENTS "He was absolutely fine until he realised he'd run out of road." "The framed plan was my point of reference, but it only went as far as the frame would permit." "Even on a good day, without a plan, I'm a total cabbage. Most of us are." "The plan will never be done. It'll never be finished. It'll live and it'll evolve as I live and evolve." "I hope we continue to dream, to chase those dreams down, endlessly pushing out the limits of what we think is possible for ourselves." VALUABLE RESOURCES www.Neilcowmeadow.com info@neilcowmeadow.com HOST BIO Neil Cowmeadow is a maverick peripatetic guitar teacher from Telford with over 19 years' experience in the business of helping people. Learn how to start, grow and love your business with Neil's invaluable advice and tips without the buzzwords and BS! This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Welcome to Agronomic Monday on RealAg Radio with your host Lyndsey Smith! For today’s show, Smith is joined by: Dr. Josh Nasielski and graduate student Lance Javier of the University of Guelph on fine-tuning seeding rates for no-till soybeans; Mike Howell of Nutrien on fertilizer planning, ROI and season 5 of The Dirt podcast; Harmeet... Read More

In this engaging episode of Business Growth Talks, host Mark Hayward speaks with Matt Morizio about the intricate relationship between emotions and financial decisions for entrepreneurs. Matt shares his personal journey from aspiring baseball player to wealth advisor, offering valuable insights into managing money and fear. This episode is a must-listen for business owners in the US and UK looking for clarity on using money as a tool rather than letting it control them. With terms like cash flow management, identity shifts, and financial freedom woven into the conversation, listeners are equipped with strategic insights for building stronger businesses.The conversation dives deep into the common fears entrepreneurs face regarding personal finances, paralleling with Matt's unique experiences in professional sports. Matt highlights how many entrepreneurs focus heavily on business finances, often at the expense of their personal financial literacy, which he believes should be addressed to prevent detrimental fear-based decision-making. Through anecdotes from his personal struggles to financial ideologies he now champions, Matt's compelling narrative provides a model for emotional detachment from money and responsible wealth generation through methods like intentional investments and personal development practices.Key Takeaways:Emotional Detachment from Money: Understanding how emotional triggers affect financial decisions can lead to better money management and personal freedom.Shift in Money Beliefs: Transitioning from fear and scarcity mentality to seeing money as a tool for fulfilling life's purpose is crucial for growth.Invest in Yourself: Business owners should prioritize investing in their business for the best returns before seeking external investment opportunities.Education and Mindset: Cultivating financial literacy and a mindset geared towards growth and abundance dramatically alters financial success.Planning and Budgeting: Knowing personal and business financial numbers is foundational for crafting a realistic and effective financial plan.SPONSORSPodcast Introduction: podcastintroduction.comStay engaged with these insights by listening to the full episode, and join us next time for more enlightening content on Business Growth Talks.Support the showIf you want to watch the full video of this episode go to:https://www.youtube.com/@markhayward-BizGrowthTalksDo you want to be a guest on multiple podcasts as a service go to:www.podcastintroduction.comFind more details about the podcast and my coaching business on:www.businessgrowthtalks.comFind me onLinkedIn - https://www.linkedin.com/in/mark-hayw...Tik Tok - https://www.tiktok.com/@mjh169183YouTube Shorts - https://www.youtube.com/@markhayward-BizGrowthTalks/shorts

This week join Mike McNamara and his guest Susan Peavey, a veteran travel professional. The discussion highlights the evolving role of travel agents, emphasizing how their expertise provides security and personalized logistics that internet booking sites often lack. Peavey explains the benefits of bundled vacation packages, the importance of travel insurance, and the complexities of organizing destination weddings or multi-generational family trips. Throughout the show, the participants share anecdotes about handling unforeseen travel disruptions, such as flight cancellations and medical emergencies, to illustrate the value of professional oversight. The segment serves as both an informative guide for listeners planning international getaways and a showcase for Peavey's localized travel agency. Michael J. McNamara, Ph.D., CFP®, is the founder of McNamara Financial. A seasoned financial planner with over 40 years of experience, Mike is now semi-retired and works exclusively with long-time clients and a select few new ones.

A Clare developer who's been fighting for 20 years to get planning permission for a development on the site of a former pub says no one will "put a gun" to his head and stop him from achieving his aim. Noel O'Loughlin has withdrawn an application for a mixed-use development, including assisted living houses, on the site of Purcell's Lounge Bar in Ruan due to wastewater connectivity issues. It's the fifth time the Corofin native has attempted to get approval for a redevelopment of the building which was subject to an act of vandalism earlier this month. He says he intends to keep moving forward until the project is realised.

Planning the future of your family operation will always be stressful and solutions will take careful planning, especially when there's no next generation. Nebraska Extension Ag Economist Jessica Groskopf talks about strategies and resources to help navigate succession planning without a family heir.

In this episode of the JAMODI Podcast, Coach Matt Sayman sits down with Coach Jake Garner, Head Boys Basketball Coach at Walnut Grove High School in Prosper ISD. From small-town Texas roots to opening a brand-new high school program, Coach Garner shares the leadership lessons, systems, and daily disciplines that have shaped his journey.This conversation dives deep into culture building, parent relationships, spring development, and how to balance school basketball with the realities of select/AAU in the DFW area.If you're a high school basketball coach, athletic director, or leader building something from the ground up, this episode is packed with practical takeaways.Key Topics Covered:

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.       1. An annual review with a client who received 20% return with their index annuity this past year.      2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..      3. Planning meeting that potentially doubled income for retirement.   US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession.    Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.   Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.   Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.   Realtor.com states one of the following needs to occur for homebuyer demand to return:      1. Mortgage rates fall to 2.65%.    2. Household incomes rise 56% to a median of $132,171.    3. Median home prices drop 35% to a median of $273,000.

Spring is just around the corner and that means farmers are thinking about the approaching growing season. Corteva Agriscience Nitrogen Stabilizers Strategic Account Manager, Heather Vosburgh, says there are several considerations when timing nitrogen applications. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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#278 - Life Will Interrupt Your Training — Plan for ItIn this episode, we are talking about: Planning for life's uncertainties, AC Race Series & Shout Out to Pat DumadagLet's Dive In. Would You Like To Support the Show? https://www.runtothebestyou.com/sponsors❤️If you love this episode, please share it on your Instagram stories and tag me at @coachtadris Please rate and leave a review on Apple Podcast. Thank you. HOW WE CAN WORK TOGETHER Create Memories With Us!Start Your Journey With Coach Tadris Start Your Running Journey, Or Ask About The AC Race Series Discounts https://www.runtothebestyou.com/coach-tadrisLEAVE A MESSAGE FOR SHOW (Voice or Text) @ coachtadris@gmail.com FREE RESOURCES: 101 HEALTH TIPS: https://www.runtothebestyou.com/news-notes/160-running-list-of-101-tips-to-better-your-healthBLOGS: https://www.runtothebestyou.com/news-notesWEBSITE: www.runtothebestyou.com FACEBOOK: https://www.facebook.com/tadris.parkerTIKTOK: https://www.tiktok.com/@tadrisparkerThanks For Listening And Remember, Keep Calm And Run To The Best You! - Coach Tadris

Week 18? I dunno. It's actually week 19, but period 18 is fine. In any case, it's the final regular season week before most playoffs begin and it's time to figure out just how cut-throat we need to be to wrap things up! The Old Man Squad has a PATREON now. It's $1 and doesn't get a single benefit. It is entirely to support the mission here but won't change anything we do. https://www.patreon.com/cw/oldmansquad Follow Dan Besbris on Twitter: https://x.com/danbesbris Find Dan on the brand new BlueSky social network: https://bit.ly/3Vo5M0N Check out Dan's Google Sheet with Ranks, Weekly Streaming Schedule Charts & Injury Replacement Adds FREE! https://bit.ly/3XrAdEW Listen and subscribe on iTunes: https://apple.co/3XiUzQK Listen and subscribe on Spotify: https://spoti.fi/3ACCHYe Float on over to the new Old Man Squad Sports Network YouTube page to watch videos from the network's top talent: https://bit.ly/46Z6fvb Join the Old Man Squad Discord to chat with Dan and all the other hosts: https://t.co/aY9cqDrgRY Follow Old Man Squad Fantasy on Instagram for all our short videos: https://bit.ly/3ZQbxrt Podcast logo by https://twitter.com/freekeepoints 0:00 Week 19 Preview (Why the Naming Is Confusing) 0:56 Full Weekly Schedule Breakdown (Mon–Sun) 1:40 Overload Days: Tuesday & Sunday Strategy 3:53 Worst Schedule: Clippers 6:36 Suns Two-Game Week Strategy 10:49 Raptors & Warriors: Drop After Wednesday 13:08 Teams With the Best Schedules 14:20 Kings & Spurs: Best Early-Week Streams 19:17 Late-Week Streaming Targets (Thu–Sun) 19:54 Best Late-Week Team: Lakers 21:03 Nets Stream Targets 22:36 Mavericks Stream Targets 23:07 Pelicans Stream Targets 23:30 Trail Blazers Stream Targets 23:46 Playoff Strategy: Cutthroat vs Safe 26:18 Planning for First Week of Playoffs Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3465: Jen Hayes breaks down financial wellness into nine clear, no-nonsense principles that make money management feel less overwhelming and more achievable. From avoiding debt and living below your means to investing early and planning large purchases, her advice empowers listeners to take control of their financial future. Read along with the original article(s) here: https://www.jenhayes.me/personal-finance-summarized-in-9-simple-sentences/ Quotes to ponder: "Live on less than you make." "Emergencies are not a surprise. The only guarantee we have about emergencies is that they WILL happen." "Planning ahead for large purchases allows us to buy items without paying a bunch of money in interest." Learn more about your ad choices. Visit megaphone.fm/adchoices

Ciao friends! We are doing a Q&A episode, and we want to hear from you. Planning your first trip? Going back and wanting to go deeper? Not sure which region is right for you or how to piece it all together? Send your questions to ciao@untolditaly.com and Katy will answer as many as she can in our upcoming episode. No overthinking it. Just hit send.The premium Untold Italy app has ad-free access to our complete archive of 300+ episodes searchable by place and topicFOLLOW: Instagram • Facebook • YouTube GET OUR NEWS: Subscribe hereTRIP PLANNING: Learn more hereJOIN US ON TOUR: Upcoming departuresThe Untold Italy travel podcast is an independent production. Podcast editing and audio production by Mark Hatter. Production assistance by the other Katie Clarke 

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3919: Colin Wright reflects on how a string of false fire alarms led him to reevaluate his relationship with possessions, priorities, and preparedness. By organizing a go bag and rethinking what truly matters, he finds clarity, peace of mind, and a renewed sense of freedom in the face of uncertainty. Read along with the original article(s) here: https://exilelifestyle.com/planning-fire/ Quotes to ponder: "It's never pleasant to consider dangerous scenarios that would, at best, result in our losing almost everything we own, not to mention a place we've come to think of as home." "It's possible to have things that are valuable but to not become dependent on those things." "My go bag has a change of clothes, some toiletries, some charging cables, and a few documents, like my passport and vaccine information." Learn more about your ad choices. Visit megaphone.fm/adchoices

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