Podcasts about premiums

Premiums are rising... even when nothing happens to your property. In this segment, Chad explains why initial payouts are Actual Cash Value (ACV) (replacement cost minus depreciation), why Replacement Cost isn't paid up front, how insurer backlogs after disasters slow everything down, and what that means for real-estate investors in hotspots like FL, CA, TX, and NV.Learn how to invest in real estate with the Cashflow 2.0 System! Your business in a box with 1:1 coaching, motivated seller leads, & softwares. https://www.wealthyinvestor.com/Want to work 1:1 with Ryan Pineda? Apply at ryanpineda.comJoin our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://tentmakers.us/Want to grow your business and network with elite entrepreneurs on world-class golf courses? Apply now to join Mastermind19 – Ryan Pineda's private golf mastermind for high-level founders and dealmakers. www.mastermind19.com--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing. ...

Visit our website:https://www.thewealthwarehousepodcast.com/New policy in force, now what? Dave and Paul walk through the first moves after your IBC policy goes active. From “slow your roll” capitalizing, to trading out high-interest debt, to building an emergency reserve inside your system, they map a practical sequence so you don't chase loans just to “do something.”They also cover spotting real opportunities (and avoiding FOMO), expanding your system with additional policies, redirecting cash flow, and a quick primer on smarter ways to think about 529 plans.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 – Teaser1:16 – Delayed start & plumbing mishap4:08 – One policy to start; why “now what?” is normal5:32 – “Slow your roll”: capitalizing and building liquidity6:21 – Loans don't add value by themselves7:06 – Trade out high-interest debt; snowball/“velocity banking”7:51 – Trend: eagerness to borrow vs. proper capitalization10:30 – Which debt first? Amortization vs. smallest balance11:59 – Freeing monthly cash flow with the snowball12:54 – Look for opportunities without rushing; be choosy17:25 – Cautionary tales: real estate pitches & protecting capital18:22 – More policies over time: expanding the system 22:05 – The 95/5 rule: focus on earning more, not just cutting25:45 – Kids' policies: small premiums, long runway26:41 – Premiums vs income, lifestyle creep, staying responsible28:48 – Recap: capitalize → redirect → seek opportunities → expand29:30 – 529s: usage today vs. assumptions about tomorrow32:20 – CTA: email, reviews, and sharingABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/...

Health insurance or health cost-sharing—which is the better fit for your family? With open enrollment upon us, it's the perfect moment to explore your choices. Joining me today is Lauren Gajdek to highlight the key differences between health insurance and health cost-sharing.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. The Landscape of Traditional Health InsuranceOpen enrollment season is right around the corner—running from November 1 through January 15, 2026. For most people, that means navigating the world of traditional health insurance. These plans typically require you to select doctors and specialists within a designated provider network, often necessitating referrals or pre-authorization before receiving care.While insurance companies provide coverage, their structure can come at a high cost. Premiums and deductibles are often steep, and because insurers operate for profit, patient care and affordability don't always align. For many families, this creates a significant financial burden.How Health Cost Sharing Is DifferentHealth cost-sharing ministries, such as CHM, offer a unique alternative. The end result is the same—your medical bills are taken care of—but the process looks very different.No provider networks: Members are free to choose their own doctors and hospitals.Nonprofit model: Unlike insurance companies, CHM is a ministry. Members send in a set monthly contribution, which is pooled together to reimburse medical costs.Community approach: Instead of being absorbed into a bureaucratic system, members know that their contributions directly help fellow believers in need.Since its founding, CHM has facilitated over $10 billion in shared medical bills.How Does Health Cost-Sharing Work?Here's how it works for a typical family:Choose your provider. Members can see any doctor or hospital as long as the treatment fits CHM's guidelines.Identify as self-pay. This allows members to receive significant discounts often, sometimes as high as 40%.Submit bills to CHM. The ministry coordinates with providers as needed. In the meantime, members may set up a temporary payment plan until reimbursement arrives.The process is straightforward, designed to give families peace of mind while also offering flexibility and savings.What to Keep in Mind During Open EnrollmentWhen weighing your options, consider more than just the monthly premium. Ask:How much am I actually paying out-of-pocket after deductibles, co-pays, and coinsurance?Will my coverage travel with me if I go out of state—or out of the country?With CHM, members don't face co-pays or coinsurance, and qualifying medical bills are shared 100% according to ministry guidelines. Additionally, portability makes it an appealing option for families who want flexibility, regardless of where life takes them.A Biblical Approach to HealthcareAt its core, CHM is more than a healthcare solution—it's a ministry. Members not only share medical expenses but also pray for one another and receive prayer support in return. Every monthly contribution is a gift that directly helps another member in need.CHM reflects biblical principles of bearing one another's burdens while providing a practical, affordable path to healthcare.To explore whether health cost sharing is right for your family this open enrollment season, visit CHMinistries.org/Faith.On Today's Program, Rob Answers Listener Questions:I'm refinancing my home and am unsure whether I should roll the closing costs into the new loan or pay them from my investments or retirement accounts. Rolling them into the loan would lower my monthly payment, but is that the wisest choice financially—and biblically?Could you explain where the funds actually come from with a reverse mortgage, who technically owns the home in this arrangement, and whether the FHA backs the loan?My wife and I recently took a required minimum distribution from her IRA and made a qualified charitable distribution to our church. They told us it wasn't tax-deductible and wouldn't issue a receipt. What does the IRS actually require in this situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Stephanie Armour et al., “Shutdown Halts Some Health Services as Political Risks Test Parties' Resolve,” October 1, 2025, https://kffhealthnews.org/news/article/federal-government-shutdown-health-services-congress-negotiations-impasse/, KFF Health News. Bridget Early, “Major health programs would continue during shutdown, feds say,” September 29, 2025, https://www.modernhealthcare.com/politics-regulation/mh-government-shutdown-cms-hhs-contingency-plans/, Modern Healthcare. Kff, “How Much More Would People Pay in Premiums if the ACA's Enhanced Premium Tax Credits Expire?,” https://www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/. Holly K. Hacker et al., “At Least 170 US Hospitals Face Major Flood Risk. Experts Say Trump Is Making It Worse.,” October 1, 2025, https://kffhealthnews.org/news/article/hospital-flooding-risk-investigation-trump-policies-fema/, KFF Health News.  Andrew Cass, “Government shutdown begins: What healthcare leaders should know,” October 1, 2025, https://www.beckershospitalreview.com/finance/government-shutdown-begins-what-healthcare-leaders-should-know/, Becker's Hospital Review. Rachana Pradhan, “Patient Numbers at NIH Hospital Have Plummeted Under Trump, Jeopardizing Care,” August 7, 2025, https://kffhealthnews.org/news/article/nih-clinical-center-patient-numbers-drop-under-trump-jeopardizing-care/, KFF Health News.  Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

Medicare is going through some of the biggest changes we've seen in years, and the impact on your retirement planning could be significant. Premiums for Medicare supplement prescription drug plans are expected to rise sharply, and the way you budget for healthcare in retirement may need to shift. In this episode of Wise Money, we break down what these changes mean, why costs are increasing, and how you can prepare. Season 11, Episode 7 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/XF-KsdkFHQ4  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

CMS released their 2026 Medicare Advantage and Medicare Part D projections this week. Join Sarah as she highlights info for agents, from estimates on enrollment and premiums to plan accessibility and more!   Get Connected:

Health care costs could rise sharply next year. A new analysis from KFF finds Affordable Care Act premiums could increase 114%, from $888 to nearly $1,900 a year, if Congress fails to renew enhanced subsidies by year's end. About 22 million Americans currently rely on those tax credits. Democrats are calling for immediate action with open enrollment beginning Nov. 1, while Republicans say they may revisit the issue later. Without a deal, millions could face sticker shock and even lose coverage. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S. government has shut down after the Senate failed to pass a stopgap spending bill. That means some U.S. government services are coming to a temporary halt and many federal workers are furloughed or working without pay through the shutdown. Republicans and Democrats could not come to an agreement on the spending bill before the deadline, which was at midnight. U.S. Sen. Tina Smith from Minnesota is one of many Senate Democrats who voted against the Republican-backed spending bill. MPR News host Nina Moini talks with her about that decision and what's ahead.

Bloomberg Editor John Harney explains why Republicans and Democrats can't come to an agreement to halt a government shutdown. He points to health insurance costs and subsidies provided to 22-million Americans to help afford health insurance in an ever more costly market. He says Smithsonian Museums will remain open, but the Bureau of Labor Statistics will not, the department which is supposed to provide a jobs report next week.

Brian Turner, Health Economist, Cork University Business School, UCC

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠✅ Call us: (801) 255-5340

Episode #87 of 55.Today's topic is a show report from Slayer's mini-festival in Hershey, PA 20 September 2025. It was their final show of the year, lucky #6.The full day of kick-@ss featured sets by Exodus, the Cavalera Conspiracy, Power Trip, Suicidal Tendencies, Knocked Loose, and F.N. Slayer. And I tell ya all about it. Get ready for the sights, the sounds, the scene, the smells, and all the hot sensations.This is a long episode, nearly 60 minutes. If you just want to hear the Slayer part, jump to the 29-minute mark.This week, Ferris is not reading from his newly, extensively overhauled and expanded Slayer book, "Slayer 66 2/3: A Metal Band Biography... or, How F*kin' Slayer Kicked F*kin' @ss," which is available in three different lengths / sizes, plus a mostly-color ebook. In most of the other episodes, that's what he does. Mostly.This is the final episode of Talkin' Slayer, Season 2. We'll return with season Four in early 2026. And when we do, we might not be on Spotify, because of Spotify's various and sundry f*kery and assorted acts of f@keration. So keep your antenna up.You can keep updated for free at Patreon: Patreon.com/SlayerBookUntil season 4, Patreon supporters can hear season 3, weekly, for less than $1 an episode. Until now, free listeners got every other episode. For season 3, free listeners get none.DEEZ NOTES... things referenced in the showPHOTOS: Like 80 pictures I took at the show, randomly shuffledVIDEO: Slayer's full setVIDEO: Exodus' set... someVIDEO: Cavalera Conspiracy's full setVIDEO: Power Trip's full setVIDEO: Suicidal's full setVIDEO: Knocked Loose's full setAUDIO: Exodus' Let There Be Blood, a re-recording of Bonded, featuring Rob Dukes on vocalsAUDIO: ⁠Let There Be Blood album on Spotify⁠AUDIO: Knocked Koose's “Mistakes Like Fractures”VIDEO: Slayer cover Exodus' "Strike of the Beast" in 2013⁠The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠⁠⁠⁠⁠⁠⁠ — all four versions.Free listeners miss every other episode.Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished.Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠Patreon.com/SlayerBook⁠⁠⁠⁠⁠⁠⁠⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠⁠⁠⁠⁠⁠⁠⁠ko-fi.com/slayerbook⁠⁠⁠⁠⁠⁠⁠⁠ . You can order autographed books here, or pre-order the audiobook.GRATITUDE.

Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

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

A pandemic-era boost to health insurance subsidies is set to expire. State Policy Expert Evan Horowitz joins WBUR's Morning Edition to unpack what it means for Massachusetts.

Karley Abramson, health policy associate for the Research Council, speaks with Guy about her most recent paper, Upcoming Changes to the Affordable Care Act (ACA) Tax Credits Will Also Disrupt Michigan's Health Care System, which details how the One Big Beautiful Bill Act would likely result in about 200,000 fewer Michiganders having health care, including about 100,000 who will become uninsured because Congress did not renew or extend the Enhanced Premium Tax Credit (EPTC). The other half are expected to become uninsured due to new administrative requirements that may create barriers to people qualifying for EPTC. Data indicates that about 8 million fewer Americans will have health care over the next decade. “Our research found that of the 530,000 Michiganders who purchase health care through the ACA, more than 350,000 are covered by a tax credit-supported plan,” said Abramson. “As a result of the tax credit enhancement under the 2021 American Rescue Plan 2021, expanding both the size of the credit and who is eligible, premiums for plans sold on the Marketplace have been much cheaper for many enrollees compared to 2020 and earlier.” Since the introduction of the Enhanced Premium Tax Credit, nationwide coverage through the Affordable Care Act marketplace has doubled. Abramson also addressed how the end of these tax credits goes far beyond the financial hardship they impose on Michiganders who directly use them. “This would lead to worse health outcomes for people across Michigan. More uninsured people mean health care costs will go up for everyone, in the form of higher health insurance premiums paid by individuals and employers,” she said. More uninsured people mean health care costs will go up for everyone in the form of higher health insurance premiums, the paper notes. Michigan hospitals will likely see increased rates of uncompensated care, which will worsen hospitals' financial burdens and potentially lead to reduced services and even closure. Much in the same way that the OBBBA Medicaid cuts are expected to impact Michigan, people not buying private insurance through the Marketplace will likely have cascading effects across the state. “Combined with cuts to Medicaid — which already threaten to strip health care from hundreds of thousands of Michiganders — health care in our state faces a dire downward spiral that will put people's health, safety and well-being at risk. The paper also addresses solutions, with the most immediate being for policymakers to renew the EPTC before the end of this year. “We also believe that state legislators in Lansing can create a Michigan-specific tax credit to assist those purchasing insurance through the marketplace or provide incentives for preventative care and vaccinations,” said Abramson. “Doing nothing will have serious long-term ramifications for Michigan families, Michigan businesses and Michigan's economy.”

When most people first hear about Infinite Banking, one of the first questions that comes up is: “But what are the risks of Infinite Banking?” It's a fair question. We live in a financial world where we've been conditioned to look for the fine print, the hidden traps, and the potential downsides of anything that sounds “too good to be true.” https://www.youtube.com/live/7JHmm5jEfQ0 I get it. When you first hear the concept of becoming your own banker through whole life insurance, the mind immediately goes to skepticism: Are the premiums too high? Is whole life a bad investment? What if I can't afford it later? Here's the truth: most of what people call the risks of Infinite Banking aren't really risks at all. They're misconceptions, misunderstandings, or simply the result of looking at Infinite Banking through the wrong lens. In this blog, we'll pull back the curtain and unpack the myths, expose the real risks, and help you see why Infinite Banking—when understood and implemented correctly—is not risky, but rather one of the most powerful financial strategies you can use to take control of your wealth. Common Misconceptions About Infinite BankingMyth #1: Whole Life Insurance is a Bad InvestmentMyth #2: The Premiums are Too HighMyth #3: Infinite Banking = Life InsuranceThe Real Risks of Infinite BankingRisk #1: Not Understanding the Problem You're SolvingRisk #2: Poorly Designed PoliciesRisk #3: Dipping Your Toe InRisk #4: Wrong Perspective (Consumer vs. Owner)Why Infinite Banking Works When Done RightControl vs. DependencyRecapturing Opportunity CostMutual Companies Align With OwnersShould You Be Worried About the Risks?The Bottom Line on Infinite Banking RisksBook A Strategy CallFAQ: What Are the Risks of Infinite Banking?Is Infinite Banking risky?What are the downsides of Infinite Banking?Is Infinite Banking a scam?Can I lose money with Infinite Banking? Common Misconceptions About Infinite Banking Myth #1: Whole Life Insurance is a Bad Investment This is the first thing most people say when they hear about Infinite Banking. They've been told for years by financial gurus that whole life insurance has a low rate of return and is therefore “a bad investment.” But here's the problem: Infinite Banking is not an investment. It's a system. It's about controlling the flow of your money, not chasing the next hot stock. Whole life insurance is simply the tool that makes Infinite Banking possible—it provides the guarantees, safety, and contractual structure you need to run your own banking system. So when someone says Infinite Banking is risky because life insurance is a “bad investment,” they're comparing apples to oranges. Myth #2: The Premiums are Too High Another common objection: “What if I can't afford the premiums long term?” Here's what most people miss. Premiums are not a bill—they are a way of paying yourself first. Every premium dollar you pay is a contribution to your own financial system. Unlike money you pay to a bank, that premium isn't lost—it builds guaranteed cash value that you can use for opportunities, emergencies, or expenses. The real risk isn't paying premiums. The real risk is not valuing your own capital and continuing to let someone else profit from your money. Myth #3: Infinite Banking = Life Insurance This is one of the biggest misconceptions. People hear Infinite Banking and immediately equate it with whole life insurance. But Infinite Banking is bigger. It's about a process—the flow of money, storing it, using it, replenishing it. Life insurance is just the storage tank that makes the process efficient. Confusing the two is like saying “banking equals a vault.” The vault is just the tool. The banking process is much bigger. The Real Risks of Infinite Banking Now let's get into the real question: What are the actual risks of Infinite Banking? Risk #1: Not Understanding the Problem You're Solving

Many Jefferson Parish residents are getting some great news on their flood insurance premiums after a new FEMA rating. We get the details from President Cynthia Lee Sheng.

This week, J.D. Power reported that nearly half of all homeowners saw home insurance premiums go up in the last year. It's just one of the pressures squeezing prospective buyers. A major culprit behind the price increases? Climate change. Also on the show: Nvidia is buying a $5 billion stake in Intel, and we look at what the end of “de minimis" tax exemption means for air cargo companies.

This week, J.D. Power reported that nearly half of all homeowners saw home insurance premiums go up in the last year. It's just one of the pressures squeezing prospective buyers. A major culprit behind the price increases? Climate change. Also on the show: Nvidia is buying a $5 billion stake in Intel, and we look at what the end of “de minimis" tax exemption means for air cargo companies.

This Day in Maine for Wednesday, September 17th, 2025.

A recent visit with Idaho Senator Mike Crapo.

DSD 6.9 | Surplus calves are a perishable commodity This robust beef market is having a direct impact on the bottom line of dairy calf buyers and possesses the ability to radically impact dairymen's bottom line long term through low all milk prices. This month we talk to researcher Dr. Sam Locke from The Ohio State University about a survey launched to help better understand the workings of the current calf buyers, jockeys and marketers. All sectors of this parallel and complementary production stream must work together for the dairy industry to generate a stronger, longer - lasting foothold in the beef industry. If done well through this opportunity, the dairy surplus calf market will establish a foothold in the beef supply chain. Listen in to hear insightful quotes from these Midwest calf buyers to help maximize your operation's innate revenue stream. Topics of discussion 1:06       Paper Title: Understanding 1:40       Introduction of Dr. Sam Locke 2:39       Description of research participants who were being interviewed 3:42       Description of operations 5:07       What are surplus calves 6:09        Percent of Beef on Dairy vs. Holstein calves 7:10       Date of survey / market effect on responses 8:12       Themes of responses 9:36       Number one issue: Long distance transporting 11:31     Gathering calves – the route 12:42     Policies around calf transport in Canada 14:56     Premiums for ideal serum values 16:28     Expert advice needed 18:52     Opinions on vertical integration 21:33     Long term contributions to the beef industry going forward 22:39     Health challenges – consider vaccination 23:54     What do you want “boots on the ground” dairymen to learn from this project? 24:52     Budget impacts Featured Article: Understanding challenges and strengths in the post–dairy farm surplus calf value chain: An interview study #2xAg2030; #journalofdairyscience; #openaccess; #MODAIRY; #bullcalves; #beefondairy; #surpluscalves; #growers; #Calfjockey; #dairysciencedigest; #ReaganBluel

In this episode John and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors.

Visit our website:https://www.thewealthwarehousepodcast.com/This week, Dave and Paul bust a big myth about whole life: that premiums are rigid forever.They break down base (required) vs. PUA, Paid-Up Additions (flexible), why both buy death benefit, and how to use a floor-and-ceiling model to fund smart in tight months or boom years.You'll hear how dividends typically route to PUA, how to check extra LPUA room without triggering MEC, why loans don't “increase” growth, and how convertible term preserves future capacity as your income rises.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Teaser & open3:06 - Premium flexibility myth6:19 - Base vs. PUA9:40 - Cash value = ownership10:59 - Dividends → PUA15:10 - Floor & ceiling funding16:37 - Year-two: pay base, drip PUA20:00 - Extra PUA + MEC check23:50 - Convertible term runway30:38 - Sign-offABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Barron Roberts is my expert today on this Blue Cross Blue Shield Kansas City update show. How will it play out for all of you out there in the audience for your coverage in '26? We will cover the individual side and what Blue Cross is doing to lead the way. They're actually going to have premium reductions on the individual side, and we'll talk about what are the answers to the employers out there, the small group employer, the employer under the 100 lives. Get all the details and find the best way to go now, because come January 1st, all the Aetna plans are pulling the pin on ACA. They're going to be gone. And I will cover what's going to happen with the other plans. They're going to be significant increases across the board. BlueKC continues to lead the way as the local hometown carrier. This is Ep2126 of America's Healthcare Advocate. Learn more at https://www.bluekc.com/ or call 833-467-2145. As always, if you need help or have something to share contact me with this form on my website and let me know what's on your mind, issues you are dealing with, or other health, healthcare, and health insurance questions and concerns. Visit: https://www.americashealthcareadvocate.com/contact-us

Federal subsidies for Affordable Care Act health plans are scheduled to shrink next year. Many shoppers are expected to be priced out of the market, leaving those who stay with higher premiums. It's a dynamic that threatens to repeat, leaving markets with fewer and more expensive options as insurers exit, too. How did we get here?Guest(s):Jonathan Kolstad, professor, Haas School of Business, University of California, BerkeleyNance L. Schick, employment attorney, founder of Third Ear Conflict ResolutionLearn more on our website.Want more Tradeoffs? Sign up for our free weekly newsletter featuring the latest health policy research and news.Support this type of journalism today, with a gift. Hosted on Acast. See acast.com/privacy for more information.

Have questions or comments? We'd love to hear from you!It's no secret that the cattle market is looking great with few – if any – signs of changing directions soon. But with prices as high as they are, where can producers capture additional value? And what role does working with your feeder or packer play in product making it to the meat case? On this episode of Angus at Work we welcome you to listen in as we visit with Paul Dykstra, director of Supply Management and Analysis at Certified Angus Beef, about:His role at Certified Angus Beef,Premiums associated with Certified Angus Beef programs,How cattle qualify for Certified Angus Beef and what might keep them out of the program. In addition,His presentation from Feeding Quality Forum held Aug. 14-15 in Rochester, Minn., How relationships are critical to the continued overall success of the beef industry,And more! A huge thank you to Vermeer for their sponsorship of this episode. Additional Resources:CAB FAQs including brand specificationsTargeting the Brand™Get the CAB InsiderSubscribe to the Angus Beef Bulletin EXTRAFind more information to make Angus work for you in the Angus Beef Bulletin and ABB EXTRA. Make sure you're subscribed! Sign up here to the print Angus Beef Bulletin and the digital Angus Beef Bulletin EXTRA. Have questions or comments? We'd love to hear from you! Contact our team at abbeditorial@angus.org.

Car theft claims rose to a record $233m in Victoria last financial year, but fell in every other state so Stephanie Youssef speaks with Insuance Council of Australia CEO Andrew Hall to find out what can be done about it and what it means for premiums, plus SBS Finance Editor Ricardo Gonçalves takes a closer look at the sharemarket with Ben Clark from TMS Private.

In this Q&A episode of Profits with Pajak, John answers listener questions about buying a major piece of equipment late in the season, dealing with rising insurance premiums, and managing employee pay demands. Get practical insights to help you make profitable decisions in your green industry business. Comments and Questions are welcome.  Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser. Upcoming Events: Get 50% OFF Equip Expo 2025 tickets NOW with promo code PAJAK https://plus.mcievents.com/equipexpo2025?RefId=PAJAK LCR Summit: October 19th and 20th in Louisville, Kentucky The Playbook for Success in Your Business and Life! https://www.lcrmedianetwork.com/   Show Partners: Yardbook Simplify your business and be more profitable.  Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you're earning, spending and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/   Green Frog Web Design Get your first month for only $1 when you use code, PAJAK , and have your website LIVE in 3 weeks from projected start date or it's FREE for a year. https://www.greenfrogwebdesign.com/johnpajak My Service Area “Qualify Leads Based on Your Profitable Service Area.” Click on this link for an exclusive offer for being a “Profits with Pajak” listener. https://myservicearea.com/pajak   Training and Courses Budgets, Breakevens, and Bottom Lines™ Workshop John Pajak's exclusive system is designed to help you avoid common failures and achieve your business' financial goals to be profitable and scale your business. https://www.johnpajak.com/offers/qvgvV8m3/checkout   Yardbook Training Workshops Learn one-on-one with John Pajak to use Yardbook like a pro to streamline your business and make more money! https://www.johnpajak.com/offers/aJ9YX7aB/checkout

Difference in premiums with Medicare Supplements. Importance of Callbacks.  Rite Aid closures.  Cuts to Medicare.  Spousal discounts.

DAT mania meets market reality. Tom Lee becomes the face of ETH as BitMine amasses 1.5% of supply and mNAV premiums start to collapse. We break down Japan's MetaPlanet tax arbitrage, SharpLink's buyback tactics, and the coming wave of DAT M&A. Plus: Robinhood launches tokenized stocks in Europe using Arbitrum, the WFE fires a warning shot, and Stylus lets fintech devs go Rust-first onchain. Welcome to The Chopping Block – where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner chop it up about the latest in crypto. This week, Arbitrum's AJ Warner (Chief Strategy Officer at Offchain Labs) joins to unpack the rise (and potential fall) of Digital Asset Treasuries (DATs), as Tom Lee emerges as Ethereum's public face and BitMine amasses 1.5% of ETH. We dive into the collapse of mNAV premiums, Japan's MetaPlanet tax arbitrage, and the looming consolidation of subscale DATs. Plus: Robinhood launches tokenized stocks in the EU on Arbitrum, AJ shares the roadmap for Robinhood Chain, and we debate whether token wrappers, buybacks, and DAT M&A mark the next era of crypto capital markets. Show highlights

Personal Finance Editor with the Irish Independent Charlie Weston is back with Matt to discuss all your finance queriesOn this week Charlie talks us through why it is important to challenge your insurer on your premiums amid ongoing price hikes across some of Ireland's biggest insurance providers.Hit play on this page to listen now.

Brian Rudick, CSO at Upexi, joins the show to break down why institutions are stacking SOL, and why they might know something you don't. We get into the mechanics of Solana-based treasury companies, premium multiples, staking yields, locked token discounts, and the capital flywheel that's reshaping crypto investing.~~~~~

Health insurance premiums for some Americans could increase by a whopping 66 percent next year. Why are insurers jacking up their rates? And why are Republicans killing off Biden-era subsidies for the Affordable Care Act, despite their overwhelming, bipartisan popularity? Could such efforts backfire and make Medicare for All inevitable? And how can individuals and small businesses prepare for insurance hikes?Today on Lever Time, David Sirota sits down with two of America's leading experts on the health care system, Larry Levitt and Miranda Yaver, who are sounding the alarm about insurance rate increases. We explore the reasons why the Trump administration is making it harder for Americans to pay for their health insurance — and how the coming perfect storm threatens to sink the Affordable Care Act.To read the KFF study referenced in this episode, click here.Click here for a full transcript of the episode.Get ad-free episodes, bonus content and extended interviews by becoming a member at levernews.com/join.To leave a tip for The Lever, click here. It helps us do this kind of independent journalism.

The State Health Plan Board of Trustees voted today to increase premiums for most state employees and retirees for the first time in eight years.  The increases will take effect on Jan. 1, 2026. The plan consists of a tiered structure for the increases, with higher-paid employees paying more monthly than lower-paid employees. For some, the increase will be as low as $15 per month, while those making over $90,000 could see their premiums triple.  This week's episode of The SEANC View Podcast, recorded before the meeting, focuses on the State Health Plan increases. We also discuss the state budget, Gen Z employees, and more.

Summary In this episode, Donny discusses various brands shaping the current zeitgeist, including political branding, cultural events, and social issues. The conversation highlights the impact of crime on political narratives, the influence of celebrities on culture, and trends in alcohol consumption. Additionally, the episode addresses significant social issues such as vaccination rates and the success of anti-poaching efforts led by women in Africa. The episode concludes with a discussion on urban challenges, particularly traffic in major cities. Takeaways Democrats need to address crime effectively to avoid pitfalls. The Toronto Film Festival's decision reflects complex rights issues. Alcohol consumption is at a 90-year low, indicating a cultural shift. Vaccination rates for kindergartners are alarmingly low. Women-led anti-poaching efforts have significantly reduced elephant poaching. Kindness is valued more than looks by a majority of women. Traffic congestion in Washington DC is the worst in the US. Caviar chicken nuggets are a viral sensation returning to the US Open. The Golden Globes are adapting to recognize the podcasting boom. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thanks to growing financial risks from climate change, property insurance premiums are ballooning, and not just in areas inundated with wildfire and subsequent burn scar flooding. On the next Let's Talk New Mexico we'll explore the problem – and possible solutions – as lawmakers try to confront how climate change could reshape the state's insurance market.

Neal Shah didn't start out in life to change the healthcare system but after seeing the result of denied insurance claims in his own life, he set out to create a solution. Getting the coverage our premiums pay for shouldn't be an additional stressor added to the medical situation we are dealing with. Neal explains:How Consumers Can Use AI to Fight Claims - Insurance companies are weaponizing AI while doctors and patients are still using pen and paper. Neal outlines how patients can use tools available right now to appeal insurance claims and fight back.Your Healthcare Rights Playbook - Neal breaks down what patients and their advocates need to attain in simple layman's terms in order to best challenge insurance appeals.A Three-Layer Solution for American Healthcare - Neal shares his comprehensive approach for how healthcare can be improved in this country via universal catastrophic coverage, expanded HSAs and subscription-based healthcare models that can eliminate the insurance bureaucracy.Neal Shah is the CEO of CareYaya Health Technologies, a social enterprise and research lab advancing health equity for aging populations that was named one of America's Top 50 Startups in 2024. He also serves as Chairman of Counterforce Health, an AI platform for navigating insurance claim denials. His new book Insured to Death:How Health Insurance Screws Over Americans - And How We Take It Back is a searing exposé-meets-survival-guide, ripping the lid off America's denial-driven insurance machine that's bankrupting families and costing lives. Visit ConfidenceThroughHealth.com to find discounts to some of our favorite products.Follow me via All In Health and Wellness on Facebook or Instagram.Find my books on Amazon: No More Sugar Coating: Finding Your Happiness in a Crowded World and Confidence Through Health: Live the Healthy Lifestyle God DesignedProduction credit: Social Media Cowboys

The cost of health care is likely to increase next year for people who get their health insurance through the marketplace created by Obamacare. Michael Pope reports.

Back. We are talkin' Slayer. This week's topic is the Great Hanneman Gear Grab: What happened to Jeff's guitar collection, mostly, and why, and how? Tune in.And unless you're a Patreon supporter, this is pretty much the end of Talkin' Slayer, Season 2: New Sh*t Has Come To Light. The episode wraps with some details on what's next in coming months.Plus a few words of gratitude and memoriam for friends past and present. Chris McMaster and Walter Novak RIP.DEEZ NOTES, as referenced in the show:Slayer's classic "War Ensemble" video, featuring Jeff's Punk Rock Jackson guitar. What I'd give for a full video of the show.Slayer's "Bloodline" video.Tween shredder phenomenon Maya Neelakantan tells how Kathryn Hanneman gave her one of Jeff's guitars.Broken Hope's "The Meek Shall Inherit Sh*t," one of the songs written & performed with Jeff Hanneman guitars, from the Mutilated and Assimilated album.Jeremy Wagner talks about the Jeff Hanneman Guitar Estate, plus his influence.Hanneman talks to an ESP video crew. You've seen this before. It bears repeating.Spotify: Me on the Booked on Rock podcast, with host and strong dude Erich Senich. It's a Slayer 101 talk, runtime 39:00.Apple: Me on the Booked on Rock podcast, with host and strong dude Erich Senich. It's a Slayer 101 talk, runtime 39:00.Me on the Bleachmouth Postscript podcast, talking about my top 5 Slayer songs, plus plenty of unrelated stuff, from research citations to Mad Magazine. Runtime about 2 hours.Larry's most metal band, Persistent Aggressor.The Walter Novak photo book.Joel McIver's Cliff Burton biography.ALSO, ALSO...Want to support the show and / or book? Here's three ways:Get it from a cool indie outlet like the Ajna Offensive, which specializes in metal, true crime, and occultism.⁠The new & improved & updated & embiggened book Ferris reads from every week, "Slayer 66 2 /3: A Metal Band Biography..., or, How Fkin' Slayer Kicked F*kin' @ss"⁠⁠⁠⁠⁠⁠ — all four versions.Free listeners miss every other episode.Patreon supporters get an episode every week, plus more bonus Slaytanic content. Packages start at less than $1 an episode. Premiums include stickers, a shout-out on the show, and a free version of the audbiobook when it's finished.Learn more at ⁠⁠⁠⁠⁠⁠⁠Patreon.com/SlayerBook⁠⁠⁠⁠⁠⁠⁠ .If you want to drop some ducats in the virtual tip jar... or you'd rather make a one-time payment for a VIP all-access pass, you can do it at ⁠⁠⁠⁠⁠⁠⁠ko-fi.com/slayerbook⁠⁠⁠⁠⁠⁠⁠ . You can order autographed books here, or pre-order the audiobook.GRATITUDE.

Climate disruptions and growing risk are upending insurance markets, leading many insurers to abandon parts of the country all together. Due to fires, floods and other extreme events, more and more homeowners are facing rapidly rising premiums or being dropped from their insurance plans altogether. Increasing numbers of homeowners are taking refuge in the state insurance plans of last resort, straining the program resources. For homeowners, whose house is often their biggest financial asset, this creates a huge financial risk.  So what should people do to evaluate climate risks and insurance availability during their housing search? And how can governments help insurers weather the increasing frequency of climate-induced disasters so they can continue to underwrite our homes? Guests: Rachel Cleetus, Senior Policy Director, Union of Concerned Scientists Claire O'Connor, Los Angeles real estate agent and homeowner Dave Jones, Director, Climate Risk Initiative at the Center for Law, Energy & the Environment, UC Berkeley  This episode also includes a news feature produced by Camryn Sanchez of KJZZ in Phoenix. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you'll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Climate disruptions and growing risk are upending insurance markets, leading many insurers to abandon parts of the country all together. Due to fires, floods and other extreme events, more and more homeowners are facing rapidly rising premiums or being dropped from their insurance plans altogether. Increasing numbers of homeowners are taking refuge in the state insurance plans of last resort, straining the program resources. For homeowners, whose house is often their biggest financial asset, this creates a huge financial risk.  So what should people do to evaluate climate risks and insurance availability during their housing search? And how can governments help insurers weather the increasing frequency of climate-induced disasters so they can continue to underwrite our homes? Guests: Rachel Cleetus, Senior Policy Director, Union of Concerned Scientists Claire O'Connor, Los Angeles real estate agent and homeowner Dave Jones, Director, Climate Risk Initiative at the Center for Law, Energy & the Environment, UC Berkeley  This episode also includes a news feature produced by Camryn Sanchez of KJZZ in Phoenix. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you'll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

When you need real talk and real data on the glamping industry, there's one person you call — and her name is Shari Heilala. In this episode, I sit down with the “godmother of glamping” for a deep dive into Sage Outdoor Advisory's just-released Q2 USA Glamping Market Insights Report — the most comprehensive data set on the U.S. glamping market to date. We unpack how Shari and her team are filling the gaping holes in industry data with hard-earned, operator-grade insights — from average daily retail rates (spoiler: domes are leading the pack at $257/night) to the surprising rise of budget-minded cabin stays. We explore the methodology behind their research, what types of properties made the cut (and why backyard yurts didn't), and how design decisions, geography, and hospitality strategy are influencing returns in the outdoor space. You'll also hear Shari's reflections on the rise of hard-sided structures, her take on the next evolution of glamping (hint: it's all about service), and how proximity to national parks and airports materially impacts revenue potential. We also chat through: Why occupancy is the next frontier in outdoor data reporting What surprised Shari most by region and unit type How to spot saturated markets — and what it takes to stand out Whether prefab vs. stick-built tells a meaningful data story yet Why land — not your unit type — might be your biggest asset …and so much more This conversation is equal parts masterclass and myth-buster. All right friends, without further ado, get ready to meet Shari. Connect with Shari on LinkedIn Behind the Stays is brought to you by Journey — a first-of-its-kind loyalty program that brings together an alliance of the world's top independently owned and operated stays and allows travelers to earn points and perks on boutique hotels, vacation rentals, treehouses, ski chalets, glamping experiences and so much more. Your host is Zach Busekrus, Head of the Journey Alliance. If you are a hospitality entrepreneur who has a stay, or a collection of stays with soul, we'd love for you to apply to join our Alliance at journey.com/alliance. 

Here's your Daily dose of Human Events with @JackPosobiecRight now, you can get the best-selling MEGA 3-Month Emergency Food Supply, for the same price as the standard kit. From ‘My Patriot Supply' go to http://MYPATRIOTSUPPLY.COM/JACK.Exclusive Offer: 20 Percent off Premiums off of Select Gold and Bullion Products. Go to https://www.protectwithposo.com or call (844) 577-POSO now Start your Gold IRA todaySupport the show

Discover why homeowner's insurance premiums are increasing. It may surprise you what states they are and aren't increasing a lot. Find out the reasons why.  Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)