Podcasts about real cost

Think owning a bar is just pouring drinks and counting cash? Think again. Bar owner and coach Chris Schneider breaks down what really makes a bar work…and why a packed room can still leave you broke on Monday. Chris joins Matthew R. Meehan and Luigi Rosabianca to talk pricing, staff, food, location, profit, and the small costs that can quietly wipe out your margin. He also explains why gut instinct is not enough, why simple drinks often win, and why your parking lot may matter more than your cocktail list.  

  New York City wants to sell essential groceries at 30% below typical retail prices. Sounds great, until someone asks who pays the difference, how purchases get rationed, and what happens to every unsubsidized grocery store down the street. Nate and Chuck break down Mamdani's government grocery plan and the bureaucratic monster required to keep it running. The proposal includes taxpayer-backed operating deficits, higher labor costs, purchase limits, restricted products, and a "library card-esque" system to prove shoppers are New Yorkers. Also in this show: • Why subsidized groceries could create resellers and black markets • How the plan accidentally exposes what government does to existing stores • Trump's latest "last chance" for Iran and the war nobody authorized • The spread of Flock cameras and automated surveillance Links Watch All Episodes: https://www.youtube.com/playlist?list=PLi78svKlBr_8o0dDOX8DxO_Wwxu6WYhhA Watch Host Favorites: https://www.youtube.com/playlist?list=PLi78svKlBr__Zu40RL7mWxCuOOe54zgy2 Join the Fed Haters Club: https://www.goodmorningliberty.us/fedhatersclub Martens Minute: https://martensminute.podbean.com/ All Links: https://gml.bio.link Chapters 00:00 A Somber Return to Good Morning Liberty 03:19 Mamdani's Government Grocery Store Plan 04:34 NYC's "Library Card-Esque" Grocery ID 06:17 Resellers, Delivery Apps, and Grocery Arbitrage 08:22 The Bureaucracy Behind Five City-Run Stores 11:23 Mamdani Promises Groceries at 30% Below Retail 15:12 The Bottomless Subsidy and Price Controls 18:27 Rationing, Administrative Costs, and Store Competition 25:31 The Grocery Store Press Gag 26:12 Government Ignores the Real Cost of Groceries 30:36 NYC Hires a Branding Consultant 32:52 The Plan Accidentally Confesses Government Is the Problem 37:14 Trump, Iran, and Another "Historic" Peace Deal 43:02 The Military Asks for Ideas to Punish Iran 47:13 The Constitutional Case Against the War 50:39 Socialists Will Seize the Affordability Crisis 52:17 Flock Cameras and Automated Surveillance 54:16 Final Thoughts and Sign-Off  

Judge Glock, Director of Research and Senior Fellow at the Manhattan Institute, joins Brian Kilmeade to discuss the rapid explosion of AI data centers across America. Glock explains why state moratoriums in blue states like New York are costing taxpayers millions, how data centers can actually lower local property taxes, and why the "green energy" push is hitting a wall against real-world power demands. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Revisited: Q&A - The Real Cost of Healthcare

Whether you're relocating for work, military reassignment to JBER (Joint Base Elmendorf-Richardson), seeking off-grid property, or searching for affordable starter homes, this episode covers the unfiltered reality of living in Alaska. We dive deep into housing affordability, real estate bidding wars, home inspection red flags, winter commuting hazards (frost heaves & ice), heating costs (spruce/pine vs. oil/gas), zoning & land buying tips, and living alongside local wildlife like bears.Frontier Home Inspections: https://frontierteam.pillartopost.com/Kerry's Soy Wax: https://fjordtundracreek.com Jamin Goecker Website (For Relocation Guide): https://jgoecker.kw.comPodcast: https://open.spotify.com/show/2AgBLvg...LinkedIn: https://www.linkedin.com/in/jamingoecker/Instagram: / jamin_goecker App: https://jgoecker.kw.comFacebook: / gojaminrealestate Keller Williams Realty Alaska Group01:17 – Living in Anchorage, Alaska: Physical Environment & City Life02:02 – Anchorage Population Growth & Housing Constraints02:51 – Moving from Big Cities (LA & Arizona) to Alaska03:42 – Anchorage Housing Affordability & Property Costs04:44 – Anchorage vs. Mat-Su Valley Housing Prices05:18 – The Real Cost of Heating in Alaska (Natural Gas vs. Heating Oil)07:11 – HOA Rules & Regulations in Anchorage & Eagle River08:20 – Job Opportunities & Employment in Anchorage, AK08:47 – Commuting from Mat-Su Valley to Anchorage for Work10:08 – Who Should Live in Anchorage? (Lifestyle & Amenities)11:52 – Anchorage Outdoor Recreation, Trails & Parks13:04 – Winter Challenges in Anchorage: Snow Plowing & Road Conditions15:40 – Living in Houston, Alaska: Remote & Sparse Environment16:45 – Weather & Climate Differences in Houston vs. Big Lake18:38 – Affordability & Off-Grid Living in Houston, AK19:16 – Local Community Vibe & Small-Town Privacy21:50 – Job Market & Seasonal Employment in Houston & Big Lake23:00 – Houston & Big Lake Lifestyle: Summer Tourism vs. Winter Living25:00 – Winter Driving Challenges in Houston, AK (Frost Heaves & Potholes)26:15 – Driving the Alcan Highway: The Truth About Destruction Bay Roads27:06 – Eagle River, Alaska: Physical Environment & Community Vibe28:06 – Housing Costs & Land Availability in Eagle River29:12 – Eagle River Affordability: Real Estate Prices & Natural Gas Utilities30:15 – Commuting from Eagle River to Anchorage & JBER Base32:28 – Job Market & Employment in Eagle River, AK33:06 – Trades vs. White-Collar Jobs in Alaska33:55 – Eagle River Lifestyle: Trails, Nature Center & Wildlife34:30 – Living with Bears in Eagle River (Wildlife Realities)35:43 – Unique Challenges in Eagle River: Traffic, Accidents & Highway Bottlenecks37:04 – Importance of Winter Tires & Ice Driving Safety37:46 – Living in Wasilla, Alaska: Physical Environment & Town Growth39:37 – Wasilla Housing Affordability & Starter Home Reality40:05 – Why You ALWAYS Need a Home Inspection in Alaska41:10 – Real Estate Market Competition in Mat-Su Valley (Bidding Wars & Appraisal Gaps)43:05 – Buying New Construction in Alaska: Resale Risks for Military Families44:20 – Land Buying Tips: Why You Should Buy Adjacent Lots Early45:59 – Job Market & Blue-Collar Opportunities in Wasilla, AK47:15 – Wasilla Lifestyle: Shopping, Amenities (Walmart, Lowe's) & Ski Access48:07 – Wasilla's Biggest Challenge: Parks Highway Traffic & Summer Congestion50:04 – Point MacKenzie Bypass & Eminent Domain Controversies50:49 – Proposed Anchorage-to-Point Mac Bridge/Tunnel & Highway Links51:57 – Future Town Planning & Entry-Level Commuter Homes in Point Mac52:48 – Knik-Goose Bay (KGB) Road Real Estate Price Trends53:13 – Centralized Planning & Zoning Challenges in Mat-Su Borough54:25 – Businesses Next to Homes: Alaska's "Leave Me Alone" Culture54:57 – Living in Willow, Alaska: Remote Atmosphere & Physical Environment56:36 – Tourism & Highway Traffic Through Willow57:02 – Housing Affordability & Seasonal Dry Cabins in Willow

Where Real Estate Investors Lose MoneyReal estate investors often focus on purchase price, rental income, and appreciation while overlooking the expenses that quietly reduce their returns.Guest host Ken May talks with Sam Yang, owner of Overline IQ, about cost segregation, insurance expenses, ownership structures, excessive leverage, and the importance of planning before purchasing a property. Sam explains how investors can identify financial inefficiencies, protect their cash flow, and make decisions based on real numbers rather than emotion.5 Key TakeawaysTaxes and insurance are two of the most overlooked expenses affecting real estate returns.Cost segregation may allow qualifying property components to be depreciated more quickly.Renovations and partial asset disposition can create tax opportunities investors frequently miss.Proper ownership structures may help separate liability between properties and protect other assets.Successful investors forecast cash flow, prepare for unexpected expenses, and avoid becoming overleveraged.Connect With Sam YangWebsite: https://overlineiq.comEmail: sam@overlineiq.comPhone: 401-339-7930Connect with Ken May on LinkedIn: https://www.linkedin.com/in/kenmaymoney/This episode is for educational purposes and does not constitute individualized tax, legal, insurance, or investment advice.

In the Season Three finale of Torque Up, Jimbo shares the reality of his first three months working entirely for himself.We discuss the pressure of building an electrical business, finding consistent work, managing cash flow, keeping up with administration and knowing when it is time to employ someone. Jimbo also opens up about the personal cost, including the loss of routine, difficulty switching off and the impact on his physical and mental health.The conversation also covers new expectations around pre work assessments, whether electricians may need to start charging for quotations, changes to Further Investigation codes on EICRs, the quality of landlord electrical reports and whether the industry needs better monitoring.Plus, William shares the latest developments from Navitas, including the growth of its three phase range and the thinking behind its new single phase consumer units.A frank conversation about electrical contracting, self employment and what it really takes to build something of your own.Torque Up returns with Season Four in September.

Dr. Todd Bilby, Director of Dairy Technical Services at Merck Animal Health, and sales rep Josh Churchwell discuss the real cost of poor reproductive management on the dairy. They cover what makes ESTRUMATE® (cloprostenol injection) uniquely effective, how SenseHub® Dairy monitoring technology can combine with hormones for greater repro rates and why the Merck Animal Health partnership is so valuable. If you're looking to tighten your repro program and improve herd profitability, this episode is for you. Episode Highlights: The real cost of poor reproductionWhy ESTRUMATE® outperformsHow the M-Power approach elevates dairies With identification, monitoring and biopharma products fully integrated in one portfolio, Merck Animal Health offers the only true full-solution approach in the dairy industry. Which means you get the tools you need to eliminate guesswork, solve specific problems, let cows be cows and put more milk in the tank. It's the way you want to work, working better than ever before. Learn more about this unique approach to dairy at M-Power-Dairy.com. Important Safety Information ESTRUMATE: Do not administer ESTRUMATE to a pregnant cow unless abortion is desired. Severe localized post-injection clostridial infections have been reported; in rare instances infection has led to death. Women of childbearing age, asthmatics, and persons with respiratory problems should exercise extreme caution when handling ESTRUMATE. ESTRUMATE is readily absorbed through the skin and can cause abortion and/or bronchospasms; direct contact with the skin should be avoided, and accidental spillage on the skin should be washed off immediately with soap and water. For complete safety information, refer to the product label.

This episode is brought to us by Back Market, the world's largest pure-play premium refurbished tech marketplace. Back Market's mission is to make refurbished tech the mainstream choice, by extending the life of devices, fighting electronic waste, and challenging today's throwaway culture.On today's show we sat down with Lauren Benton, General Manager of Back Market in the US, to talk about the real cost of family tech - and how to bring it down. To learn more, visit BackMarket.comApple just raised prices on several products (up to $300 more on certain MacBooks and iPads), and analysts expect the iPhone to see a hike this fall too. So the timing couldn't be better to rethink how we're spending on tech.Here's what we learn:Why "refurbished" doesn't mean what most people think it means, and how devices are quality-checked before they're ever resold.Where the real savings are: specific numbers on phones, laptops, tablets, and watches.The hidden costs in your tech budget that have nothing to do with the device itself.How to know when it's worth trading in an old device instead of letting it collect dust in a drawer.What to prioritize (and skip) when Back-to-School shopping collides with these new Apple prices.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

When I decided to take on my first fix and flip property, I had a plan for everything. I had a budget, a timeline, profit goals, and what I believed was a solid strategy. Like many entrepreneurs stepping into something new, I thought I had prepared for every possibility. What I quickly learned was that experience is often the greatest teacher. In today's episode, I'm sharing the real story behind my first flip house, including the mistakes that significantly impacted our budget, the unexpected challenges we faced, and the lessons I wish I had known from the beginning. From purchasing decisions and demolition surprises to contractor issues and construction setbacks, this project taught me more than I ever anticipated. We talk about the wins, the failures, the costly mistakes, and the mindset shifts that came from navigating a project that didn't go exactly according to plan. At one point, I had to face the reality that our budget had grown far beyond what I originally projected and our expected profit had been cut dramatically. Important Links: Needing more tools to make your business thrive? Try She's Equipt Episode 54 - The Real Cost of a Flip House Episode 52 - Slow Feet Don't Eat

Episode Overview In this episode, Michael D. Levitt speaks with Melissa Robinson-Winemiller about the role of empathy in modern leadership and why it is no longer optional. Drawing from Melissa's research and Michael's real-world leadership experience, this conversation reframes empathy from a soft skill into a measurable leadership strategy that directly impacts retention, performance, and organizational outcomes. The Empathy Gap in Leadership A consistent issue across organizations: Leaders feel pressure from above and disconnect below Middle managers report feeling unheard and unsupported Communication breakdowns create disengagement Melissa's research highlights this gap as a root cause of: Leadership burnout Workplace dissatisfaction Breakdown in team cohesion The pandemic accelerated this shift, forcing employees to reassess what they will tolerate in leadership and culture. Empathy Is a Strategic Tool, Not a Soft Skill Empathy is often misunderstood. It is not about emotional reaction. It is about perspective-taking and informed decision-making. Melissa defines this as a structured leadership capability, not a personality trait. Research shows the impact clearly: Productivity increases by 87% Innovation increases by 86% Profitability increases by 84% Empathy, when applied intentionally, becomes a competitive advantage. Case Study: Listening as a High-ROI Leadership Move Michael shares a practical example of transforming a toxic workplace. Approach: Conducted one-on-one conversations with team members Asked for their perspective Asked what they would change if they were leading Outcome: Turnover reduced from 90% to 6% annually No financial incentives were introduced. The shift came from: Being heard Being included Being respected Listening is not passive. It is a leadership system. Why Listening Works Listening creates: Trust Psychological safety Better decision-making It also reduces: Misalignment Rework Internal friction The investment is time. The return is stability and performance. The Real Cost of Attrition Turnover is not just an HR issue. It is a financial and operational risk. Key reality: Replacing an employee costs 90% to 200% of their annual salary Additional hidden costs: Loss of institutional knowledge Disruption to team performance Increased workload for remaining staff Retention is not a cultural initiative. It is a business decision. The Failure of Command-and-Control Leadership Traditional leadership models are breaking down. Old approach: Authority-driven Compliance-based Top-down decision making Modern workforce response: Disengagement Exit Loss of trust As Melissa highlights, today's workforce no longer tolerates environments where their voice is ignored. Leadership Evolution: From Control to Connection Effective leaders today: Seek input before making decisions Create space for dialogue Build systems that incorporate team feedback This is not about consensus. It is about informed leadership. Key Takeaways Empathy drives measurable business outcomes Listening is one of the highest ROI leadership actions Turnover is more expensive than most leaders realize Command-and-control leadership is no longer viable Perspective-taking improves decision quality and team performance Action Steps Schedule one-on-one conversations Ask: “What would you change if you were in my role?” Audit your leadership communication Are you informing or engaging? Identify friction points Where are employees not being heard? Track turnover costs Quantify the financial impact Implement feedback loops Make listening part of your operating system Closing If your team does not feel heard, your leadership system is broken. Empathy is not optional. It is a strategic requirement for performance and retention. https://eqviaempathy.com/ https://www.linkedin.com/in/dr-melissa-a-robinson-winemiller-author-speaker-trainer   Book your Leadership Operating System review: https://BreakfastLeadership.com/LeadershipOS  

Who is really paying the price for your unforgiveness? In this video, I share 5 biblical truths about forgiveness that completely changed how I understand it — including a personal story about a conflict I've walked through with my own family that I've never shared publicly before.Forgiveness in the Bible isn't just a feeling — it's a command, a cost, and ultimately a decision to hand the gavel back to God. Whether you're wrestling with how to forgive someone who hurt you, or you've been told forgiveness means pretending nothing happened, this video will challenge what you thought you knew.

Cody Townsend joins the MTNTOUGH Podcast for a raw conversation on evolving from ego-driven free-riding to mature risk management, knowing when to turn around, and finding deeper mental toughness through suffering. He opens up about the death of friends that forced a mindset shift, completing 46 of the 50 classic ski descents, raising a son while staying in the mountains, training his “mountain-proof” body through strength work and trail running, and the alarming impact of climate change on skiing and public lands. Cody also shares why he believes hunters and anglers are the best conservationists and how storytelling can inspire more people to protect wild places.Join Dustin Diefenderfer, Founder of MTNTOUGH Fitness Lab and creator of the MTNTOUGH+ Fitness App in the top podcast for Mental Toughness and Mindset. (P.S.

Most HR leaders think a resignation starts the day someone hands in their notice. It doesn't. It starts months earlier, the moment someone decides it's no longer worth speaking up. And almost nobody in HR is measuring it.This episode is sponsored by Deel.Hire, manage and pay, anyone, anywhere: https://www.deel.com/nickdayhr/In this episode of @thehrldpodcast, Nick Day, CEO at JGA Recruitment Group, breaks from his usual format for the first time in more than 200 episodes. There is no guest this time, just Nick, a microphone, and one idea he cannot stop thinking about. After 24 years of exit interviews and placing over 10,000 professionals across 40+ countries, he has built his own coaching framework around fear. This episode is where he unpacks it in full.Nick introduces the idea of the fear tax, the invisible cost every organisation pays when people stop raising problems, ideas, and concerns out loud, and breaks down why silence looks like a wellbeing problem but spends like a balance sheet one. He contrasts a manager who unknowingly built a culture of fear with a leader whose team openly flagged a critical mistake before it went public, walks through his own fear equation of anxiety plus uncertainty multiplied by imagination, and explains why fear in capable people rarely looks like fear at all, instead disguising itself as caution, busy bravery, perfectionism, or imposter syndrome. He also shares the BOLD protocol, a four step method for catching fear in the three second window before it wins, backed by research from Stanford and UCLA, and gets personal about a lesson he learned the hard way with his own father.In a world where HR is expected to protect culture, retain top talent, and prove ROI on every initiative, this episode makes the case that the biggest lever HR has never measured is right in front of them. It is whether people feel safe enough to speak.A must-listen for HR leaders, people managers, and anyone who has ever sat in a meeting, known exactly the right thing to say, and said nothing.Enjoyed this? Check out our sister podcast @thepayrollpodcast for more great content!Nick Day's LinkedIn: https://www.linkedin.com/in/nickday/Find your ideal candidate with our job vacancy system: https://jgarecruitment.ck.page/919cf6b9eaSign up to the HR L&D Newsletter: https://jgarecruitment.ck.page/23e7b153e7Stay tuned for the next episode of the HR L&D Podcast, brought to you by Nick Day, CEO at JGA Recruitment, landing soon!Timestamps:(00:01) Rachel's Story: The Resignation That Started Eight Months Early(02:16) Why Nick Broke Format for His First-Ever Solo Episode(04:38) James: The Manager Who Built a Fear Culture Without Raising His Voice(07:03) Naming the Fear Tax(09:07) The Real Cost of Losing Good People(11:31) Why Your Speak-Up Culture Is Your Talent Strategy(13:55) Amy Edmondson's Research: Why Quiet Teams Aren't Healthy Teams(18:32) The Fear Equation: Anxiety Plus Uncertainty, Multiplied by Imagination(22:01) From Fear Culture to Courage Culture: James's Turnaround and Fear's Disguises(28:41) The Courage Window and the BOLD Protocol(35:15) HR's Blind Spot: Practicing Psychological Safety and Convincing Skeptical Leaders(43:14) The Monday Morning Move and Closing Thoughts

Most UK-US cross-border tax advisors fall into one of two camps: UK-based specialists who understand British and US tax intimately but charge eye-watering fees, or US-based CPAs who know their side of the Atlantic but have insufficient grasp of the UK side of things. This episode explores what happens when British expats end up in the wrong camp, and why finding someone who genuinely understands both systems, including the US UK tax treaty, while being based in America, has been so hard to come by.  Richard Taylor, Chartered Financial Planner and founder of Plan First Wealth, is joined by Toni Sculthorpe, founder of Avante Tax and known online as "Your Tax Lady," to unpack the gap she's spent the last decade filling. After 25 years as a UK accountant, Toni was pulled into cross-border work when a client's US-based Amazon business exposed how badly disconnected American and British tax advice can be. As a British expat herself, now based in North Carolina, Toni frames the conversation through the lens of clients navigating dual tax UK and US obligations on both sides of the Atlantic.  Richard and Toni walk through the most common, and most costly, mistakes British expats make once they've relocated: unreported FBAR accounts, ISAs that trigger PFIC penalties, mishandling a UK pension or US pensions during the transition, and the temptation to take tax advice from Facebook groups or ChatGPT instead of getting proper US tax help from a qualified professional. They break down why the IRS's reasonable cause can test hinges on whether you disclosed everything to your advisor, whether that advisor was actually qualified to advise on your situation, and whether you followed their advice, and why skipping professional guidance before a move can turn a $2,000-3,000 problem into a $30,000+ one.  They also discuss why tax compliance and financial planning are too often handled in silos, with tax advisors and financial planners on opposite sides of the Atlantic never speaking to each other, and what it looks like when those two roles work in tandem instead of in isolation.  Whether you're moving to America, already living there and unsure if you're fully compliant, or advising clients with assets on both sides of the Atlantic, this episode covers the specific mechanics of what gets missed, not just the broad strokes. It fits into cross-border financial planning for anyone managing international wealth across the UK and US.  --  Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.  https://planfirstwealth.com/  --  Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

Every dad has been there. Your child says something disrespectful. Your spouse reacts in a way you didn't expect. Stress builds at work, and before you know it, you're responding out of emotion instead of wisdom. But what if there was a simple framework that could help you slow down, take ownership of your thoughts, and respond in a way that honors God? In this episode, we're joined by James Lenhoff to unpack the powerful CTFAR method—a practical tool that's helped countless people navigate conflict, parenting, marriage, work, and even financial decisions with greater clarity and self-control. If you've ever wished you could respond more intentionally instead of reacting in the moment, this conversation will give you a framework you'll use for years to come. Links In This Episode Emotion Wheel: https://abrahamswallet.com/wp-content/uploads/2026/07/Emotion-Wheel-1.jpg CTFAR Model Questions: https://abrahamswallet.com/wp-content/uploads/2026/07/Unknown.pdf WealthQuest: https://www.wqcorp.com/ GoodSense: https://goodsensemovement.org/  FreedUp App: https://getfreedup.com/  Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/support AW website Apple Podcasts Spotify YouTube Facebook LinkedIn Instagram Chapters (00:00:00) - How to Get Through a Conflict With Yourself(00:00:46) - Take Control of Your Wallet(00:01:44) - A Christian Financial Planner on Abraham's Wallet(00:03:36) - Cognitive Behavioral Therapy(00:11:16) - How to Get Through a Conflict With My Wife(00:17:14) - The Real Cost of Blaming Your Partner(00:24:46) - Boundaries for Relationships(00:30:45) - How to Talk About Abusive Relationships(00:33:47) - The Woe and the Money(00:41:12) - The Problem of Spending Too Much(00:45:07) - How to Get Through Anger Issues in Guys(00:48:27) - Share the Emotion Wheel With Others(00:51:56) - C2 is a hard verb(00:52:14) - Good Sense: What's Going On There?

Hunters, hikers, and mountain bikers are all fighting for the same land, and someone has to figure it out. → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join other Ozarkers in our Patreon - The Holler⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ → ⁠⁠⁠⁠⁠⁠⁠⁠Get weekly updates, show notes, and stories in our NEWSLETTER⁠⁠⁠⁠⁠⁠⁠⁠ Part 2 with the Arkansas Office of Outdoor Recreation gets into the hard stuff. We tackle the real tension between user groups head-on — cyclists vs. hunters, growth vs. conservation, loving a place to death vs. sharing it with the next generation. You'll hear why the Mena Bike Park won't hurt hunters, how gateway activities like fishing could save the conservation funding model, and what it's going to take to keep the Ozarks from turning into the next Moab. This is the most honest conversation about the future of the Ozarks we've had on this show, and it's one every outdoorsman needs to hear. Together with... ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vortex Optics⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Industry leader in scopes, rangefinders, and binoculars 0:00 – Recap of Part 1 4:00 – Are We Loving the Ozarks to Death? 7:00 – Manufacturing Drives Arkansas' Outdoor Economy 13:00 – The Real Cost of Growth: Wastewater 22:00 – How the State Decides Who Gets Trails, Boat Ramps & Grant Money 32:00 – The Cycling vs. Hunting Tension 43:00 – How Hiking & Biking Could Save Hunting & Fishing 50:00 – How Do You Fund Conservation When Fewer People Buy Licenses? 57:00 – What Does Success Look Like for the Office of Outdoor Recreation? What is The Ozark Podcast? In the Ozarks, people have always lived in rhythm with the natural world. Hunting, fishing, and living off the land, aren't just things we do, it's who we are. And though our lives are inextricably linked to the land we live on, we've never been more disconnected from it. So join us, as we travel across the region to bring you the voices of the Ozarks to deepen your connection with the land, sharpen your skills in the outdoors, and help you learn what it means to be an Ozarker. Our hosts are ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Kyle Veit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Kyle Plunkett⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and our producer is ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Daniel Matthews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Theme music: 'American Millionaire' by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠JD Clayton⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Catch up with us on Instagram and Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@theozarkpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ PLEASE reach out to us with any recommendations or inquiries: theozarkpodcast@gmail.com

In this episode, Matt & Lauren continue the conversation they started in Episode #128 and dig into the cost involved in selling direct. Learn more about what expenses you should account for as you launch, maintain, and grow your ecommerce store, including:

The podcasting world never stands still, and neither do the challenges creators face. The morning show cast and crew discuss AI ad blockers, video strategy & discovery, and the real cost of video production as platforms continue to evolve. From monetization and sponsorships to smarter growth strategies, the conversation looks at what today's headlines mean for podcasters trying to build a sustainable show. Whether you're launching a new show or growing an existing one, these stories reveal where podcasting is headed next.Episode Highlights:[03:28] Active Podcast Stats[07:57] Watch vs. Listen Trends[12:23] Podcast Ad Blockers Explained[13:57] The Ad Blocking Debate[22:00] How Creators and Sponsors Are Responding[27:35] Finding Better-Fit Sponsors[33:14] Riverside Editor Changes[36:28] Netflix and Video Podcasts[40:03] The Press Releases Debate[49:44] The Real Cost of Video PodcastingLinks & Resources:Community Meet-up for Women, Trans, and NonBinary Podcast Experts:https://www.eventbrite.com/e/community-meet-up-for-women-trans-and-non-binary-podcast-experts-tickets-1993847710174Empowered Podcasting 3 Tickets (Use coupon code EPCMARC20):https://empoweredpodcasting.comRiverside's New Editor Walkthru (Free):https://riverside.com/webinars/the-new-riverside-editor-live-walkthroughPodcast Ad Blocker:https://www.adblockpodcast.com/Nielsen's Podcast Listen & Watch Report:https://www.nielsen.com/insights/2026/nielsens-podcast-listen-watch-report/Feature Your Podcast on the Podcasting Morning Show:https://PodcastingMorningShow.com/spotlightThe Podcasting Morning Show:⁠⁠www.podcastingmorningshow.com⁠⁠Ways to Watch or Listen:⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠https://www.podcastingmorningshow.com/joinus/Meet the PMS Cast and Crew:⁠⁠https://podcastingmorningshow.com/people⁠⁠Join The Empowered Podcasting Facebook Group:⁠⁠www.facebook.com/groups/empoweredpodcasting⁠⁠⁠Book A Free Call With Marc:⁠https://go.ironickmedia.com/widget/booking/eQwHs399qL9VlLcRQaYC⁠ Application To Submit Your Show For Evaluation:⁠⁠⁠⁠⁠https://podcastingmorningshow.com/eval⁠⁠Powered by⁠⁠⁠ ⁠iRonickMedia.com⁠⁠⁠⁠ and⁠ ⁠ContentCreatorsAccountant.com⁠⁠Send in your mailbag questions:⁠⁠⁠⁠ https://www.podcastingmorningshow.com/contact/⁠⁠⁠⁠ or ⁠marc@ironickmedia.com⁠Want to be a guest on The Podcasting Morning Show? Send me a message on PodMatch, here:https://podmatch.com/hostdetailpreview/1729879899384520035bad21b

When I first stepped into the world of real estate investing, I was overwhelmed by vague advice, broad profit estimates, and plenty of people telling me what I "should" expect. The truth is, I wanted someone to give me an honest look at what getting started actually looks like. In today's episode, I'm pulling back the curtain on my first fix and flip property and sharing the real story behind the experience so far. We'll talk about the wins, the challenges, working with great contractors, navigating difficult situations, and the lessons I've learned along the way. If you've ever considered investing in real estate or pursuing a new opportunity outside your comfort zone, this conversation is for you. Important Links: Needing more tools to make your business thrive? Try She's Equipt Book Our Rental Property Use Front + Center 52 | Slow Feet Don't Eat 49 | My Favorite Things

In this discussion, Travis Chappell and producer Eric unpack the debate surrounding New York City's proposed rent freeze and what it reveals about housing affordability, property ownership, and economic incentives. Using a real-world example of a small landlord facing financial hardship, they explore both sides of the issue while examining the unintended consequences of well-intentioned housing policies. On this episode we talk about: The debate over New York City's rent freeze and its impact on tenants and landlords Why small landlords and institutional investors are affected differently by housing policies Common misconceptions about real estate investing and rental property economics How government intervention can create unintended long-term market consequences The balance between housing affordability and encouraging private investment Top 3 Takeaways Policies often have unintended consequences. While rent freezes may provide short-term relief for tenants, they can discourage small investors and reduce future housing investment. Owning real estate doesn't automatically mean someone is wealthy. Many landlords operate with mortgages, refinancing, and thin cash flow despite owning valuable assets. Good policy requires nuance. Addressing housing affordability means considering both the needs of renters and the financial realities faced by property owners. Notable Quotes "The desire for everything to be cheap and free and easy is just not going to happen." "Doing this one thing does not solve affordability." "People tend to think that just because somebody bought this building a while ago, they must be flush with cash—and that's not always the case." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell/ Instagram: https://www.instagram.com/travischappell/ Other: https://travischappell.com/ A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplies last.  - Go to Leesa.com for 25% OFF select mattresses (through July 26, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Service Drive Revolution #368, Chris, Hogi, and Adam dig into one of the biggest and most expensive misconceptions plaguing dealership fixed operations today: the constant cry for "more traffic" and "advisor training." The team uncovers the real patterns behind hundreds of service departments and reveals a harsh disconnect—dealerships aren't running out of work; they are failing their technicians and losing their best producers. Chris and the crew break down why shoving more traffic into a shop running at 60% to 70% efficiency is an absolute recipe for disaster that tanks your customer satisfaction score. We unpack why service advisors secretly refuse to sell work when the shop is backed up, why the industry completely abandoned basic maintenance sales, and how to use the "Theory of Constraints" to treat your shop like a high-output factory. Plus: Adam talks about his $7,500 journey to becoming a certified master distiller, Chris debates the risks of blind-inducing backyard moonshine, and the guys try to figure out which "I" state they are traveling to next.

Go to www.LearningLeader.com The Learning Leader Show with Ryan Hawk Buy my new book, The Price of Becoming www.LearningLeader.com/Becoming This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. Get The Price of Becoming: The Price of Becoming is available now wherever books are sold.   "Have a plan, work the plan, plan for the unexpected." From my old Miami football coach, Terry Hoeppner. It was posted in the locker room. He said it every day. I still think about it all the time. There is no hack. There is no one thing. At many keynote Q&As, someone asks me for a quick fix. The only answer is the power of compounding. Consistency, dependability, and reliability are the least sexy words of all time. And they're the whole game. Take your work seriously. Don't take yourself seriously. The best leaders go hard at the work but laugh at themselves. It's important to be able to laugh with your team. Optionality is overrated.  "I'm trying to beef up my obituary. I'm not going to dabble." - Ed Latimore (Ep. 648) Live like a hawk. Hawks have eyesight eight times better than humans. They glide and observe constantly. But once they see what they want, they commit with everything they have. Be a professional noticer. Then commit fully. Talk to your people before big decisions. My dad. Miranda. And the wide network of high-caliber people I've built over 700 podcast episodes. Be specific. Off the record. Long conversations. Then trust your gut. Take bits and pieces from the best. Then find your own voice. As a brand new sales rep at LexisNexis, Rex Caswell had me interview and sit with the ten best reps in the company. I took a piece from each, mashed it together with my own personality, and eventually found my own voice. I still use that formula today. Use social media to create in-person moments. Organize dinners, meetups, coffees. Get in the room with people. Concert ticket prices and The World Cup tell you everything you need to know about how much people are craving in-person connection right now. Don't outsource your thinking to AI. You can't walk into the weight room, look around, and expect to build muscle. You have to move the weights. Use AI as a tool. Don't let it do the thinking for you. Your job is to add value to other people's lives. Coach Hoeppner sat 19-year-old me down with the other quarterback and pointed at both of us: "He adds more value to our team than you do. He gives us a better chance to win. That's why he's going to play." It was brutal. It was a very lucky moment for me to experience that in my formative years. I fell into the AI trap. The Be a Pro section originally started as a LinkedIn post that was heavily influenced by Claude. It went well on Twitter too. People DM'd me praising it. It felt great. And it scared me. I was getting the rewards without doing the work. The good old days are right now. I try to work hard when my family is asleep or at school. Between those hours, I go as hard as I can. Outside those hours, I try not to work too much. I've talked with so many dads who are older now, and their kids are out of the house. They miss the time when they were with their kids so much. I try to think of that daily. Making positive dents in the world. Leave people, places, and things better than you found them.  That's how you make a positive dent, one person at a time. My philosophy on keynotes and writing: story, science, and practical application. Great storytelling to move people to the edge of their seat. Empirical evidence to make it true. Practical application to answer, "So what? Why should I care?" You have to have all 3. Our edge in coaching leadership teams: my coaches actively live what they teach. They didn't attend a seminar and get certified. They're still active coaches themselves, still leading teams in real time. That's what separates authentic teaching from performance. Push your edges. Find your Goldilocks zone. James Clear told me you don't get better at tennis by playing Roger Federer. He'll destroy you. But you also don't get better by playing a five-year-old. You need to be uncomfortable, but not so uncomfortable that you break. Shane Gillis walked off stage looking exhausted. Dan saw him live in Cincinnati. On stage, effortless. The second he stepped behind the curtain, his shoulders slumped like he was ready to fall asleep. That's what the great ones do. They make it look easy because of the price they paid to get there. My productive paranoia. Our team has to earn it every session. It creates a productive paranoia knowing that continuous improvement is necessary. The reward is bigger than the cost. It's the greatest gig in the world. I bet on myself and the team every single day because if we keep adding value, I like our chances. Reflection Questions Where are you dabbling right now? What would 100% commitment actually look like, and what's stopping you from making the call? My end-of-day prompts: What did I do today to add value to others' lives? What did I do today to push my edges? Get The Price of Becoming: The Price of Becoming is available now at learningleader.com/becoming or on Amazon.  More Learning #529: James Clear - Becoming an Optimist & Building Better Habits  #648: Ed Latimore -  Discipline Over Feelings, Don't Dabble Your Way Through Life#602: The Learning Leader Squad - Helping Teams Become Elite & People Become Excellent   Episode Chapters00:00 A Special Launch Episode: The Price of Becoming  02:29 Have a Plan, Work the Plan, Plan for the Unexpected  05:15 There Is No Hack. Just the Power of Compounding.  08:04 Take Your Work Seriously. But Not Yourself 12:31 Optionality Is Overrated: Why You Should Stop Dabbling  16:13 How I Make Big Decisions  20:34 Using Social Media to Build Real In-Person Relationships  23:27 The Danger of Using AI to Write 34:16 How I Structure My Work Days 40:47 The One at a Time Moments That Signal a Positive Dent  42:04 Leave People, Places, and Things Better Than You Found Them  50:52 Story, Science, and Practical Application  55:14 What Makes The Learning Leader Team Different 57:39 Push Your Edges: The Goldilocks Zone  01:06:24 The Real Cost of Betting on Yourself  01:10:45 EOPC

Are you running an accounting practice that can survive independent of your personal production, or are your key successors already looking for the nearest exit? In this episode of Growing Your Firm, host David Cristello sits down with Ira Rosenbloom, CEO of Optimum Strategies, known across the industry as the "Merger and Profitability Optimizer." With over 25 years of hands-on experience as a practicing CPA and managing partner, Ira pulls back the curtain on how to navigate the complex crossroads of generational change, standardizing client management, and securing maximum value for your firm. Whether you are a managing partner trying to transition equity, a CPAs starting a firm, or an operations manager driving software adoption, this masterclass changes how you view structural firm health. Inside This Episode, We Unpack: The Valuation Multiplier Trap: Why the fastest way to explosive growth isn't just jacking up client fees—it's analyzing fee tiers to identify where leakage actually occurs. Preventing Scope Creep: How to eliminate standard-to-actual time gaps by aligning your team with automated tracking and project margin thresholds. The "Gen-Z" Partnership Disconnect: Why your "locked-in" junior leaders are turning down partnership tracks—and how to redesign firm culture around outcomes instead of clock-punching. The Real Cost of Private Equity: A look at the 50-50 staff retention reality after a roll-up and what a boardroom buyout means for your long-term team autonomy. The Alternative Practice Model: How boutique independent firms can replicate private equity structures by integrating non-CPA advisory services to remain fiercely competitive. Ira's Golden Rule Checklist: The explicit strategic milestones every owner needs to implement between ages 55 and 65 to protect firm lineage. Key Metrics & Operational Takeaways For Firm Managers: Shed Equity Early: Why passing down fractional client liaison-ships ahead of retirement protects your client stickiness from a sudden talent walk-out. Client Tier Consolidation: Shifting bandwidth away from low-margin $3,500 compliance accounts to high-value strategic advisory. Featured Guest: Ira Rosenbloom  

Most men despise small talk, dismissing it as shallow, fake, or a complete waste of breath. We skip the pleasantries and go straight to the agenda. But in this episode of Friday Field Notes, Ryan Michler breaks down why avoiding small talk is quietly costing you massive life, career, and romantic opportunities. Small talk isn't about the weather or sports; it's a low-risk reconnaissance mission to establish trust, likeability, and respect. Ryan shares 4 actionable moves to stop trying to be "impressive" and instead leverage genuine curiosity to open doors you've been walking right past. Stop treating small talk like a nuisance - it's the gateway to your next big breakthrough.   SHOW HIGHLIGHTS 00:00 - The Real Cost of Skipping Small Talk 02:35 - Low Risk Equates to High Opportunity 04:30 - The Instinctual Mistakes Men Make 06:47 - The True Function of Small Talk 08:34 - Curiosity Over Performance 12:55 - Move 1: Master the Follow-Up Question 16:40 - Move 2: Be Memorable, Not Impressive 18:50 - Move 3: The 48-Hour Follow-Up Rule 20:45 - Move 4: Treat Every Room Like It Matters 28:00 - Why Introversion Is Not an Excuse 29:40 - Your Weekend Assignment   Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready  

Has having three kids become a status symbol in Canada?In this episode of DemograFix, Cara Stern and Mike Moffatt explore why having three children has become a luxury for many middle-class Canadian families. From the cost of family-sized housing to childcare, career sacrifices, transportation, and the changing expectations placed on parents, they break down why so many families stop at two, even when they wanted more.The conversation also looks at Canadian and international research on fertility, Quebec's childcare experiment, why family-sized homes have almost disappeared from our cities, and what governments would actually need to change if they want Canadians to have the families they hope for.If you've ever wondered why three kids now feels like a status symbol, this episode explains the economics behind it.Topics covered:Why Canada's fertility rate has reached record lowsIs a third child becoming a luxury good?How housing shortages shape family sizeWhy family-sized homes are disappearingThe hidden career costs of having childrenDoes affordable childcare actually increase birth rates?Why cities are losing young familiesWhat policies could make raising larger families affordable againChapters:00:00 Why 3 Kids Are Becoming a Rich Person's Luxury00:58 When Families Become Status Symbols03:03 The Housing Crisis is Eliminating the Third Child05:09 Canada Stopped Building Family Homes06:28 The Big Childcare Problem07:55 Does Cheap Childcare Actually Boost Birth Rates?12:15 The Real Cost of a Third Baby15:07 Families Are Being Forced Out of Cities17:20 How Canada Could Make Three Kids Affordable AgainResearch/links:More Crowding, Fewer Babies: The Effects of Housing Density on Fertility | Institute for Family Studies https://ifstudies.org/blog/more-crowding-fewer-babies-the-effects-of-housing-density-on-fertilityThe ultimate status symbol? A big familyhttps://www.ft.com/content/a4025e93-7552-4f8f-8ce2-e785a7d950a4?syn-25a6b1a6=1Opinion | Three Kids? You Showoffs. - The Washington Post https://www.washingtonpost.com/archive/opinions/2008/04/06/three-kids-you-showoffs/6b7952ed-4547-4f9b-ae9b-cd9d2f1d8aa0/Why are some families with children leaving the inner city and other staying? https://www.scup.com/doi/10.18261/njus.2.1.2Home Alone | Cardus https://www.cardus.ca/research/family/reports/home-alone/Hosted by Mike Moffatt & Cara Stern & Sabrina MaddeauxProduced by Meredith MartinFunded by the Neptis Foundation https://neptis.org/

Almost every machine you can buy today is technically an “AI PC.” Which is exactly why the label can't tell you what to buy. This episode skips the hype and asks the question IT leaders are actually wrestling with: why now, and what happens if you wait? Because two things just landed on the same calendar — the end of Windows 10 support, and an AI-driven memory shortage pushing hardware prices up every quarter — and together they're quietly taking the refresh decision out of your hands.In this episode:Why “AI PC” has stopped being a useful filter — and what to look at insteadThe hidden tax you're already paying on the machines that still turn onHow Windows 10's end of support and the memory squeeze changed the math on waitingA practical way to make the refresh call: match the machine to the workload, not the org chartFeaturing Ivo van Selst, Senior Technical Solutions Architect for AI and Data at Softchoice, a World Wide Technology Company, and Brandon Boone of Dell Technologies' Client Solutions Group. This episode is brought to you by Dell Technologies. Explore Dell's AI PC lineup — Dell, Dell Pro and Dell Pro Max — and find the right fit for your fleet at softchoice.com/technology-partners/dell#AIPC #ITLeadership #DeviceRefresh #Windows11 #MidMarketIT #EndUserComputing #TheCatalystShow Notes & ResourcesReferenced in this episode:Windows 10 end of support (October 14, 2025) — Microsoft: support.microsoft.com/en-us/windows/windows-10-support-has-ended-on-october-14-2025The global memory shortage and its impact on device costs — IDC: idc.com/resource-center/blog/global-memory-shortage-crisisDRAM prices and the AI memory squeeze — IEEE Spectrum: spectrum.ieee.org/dram-shortageAI-capable PCs to surpass half of global shipments in 2026 — Counterpoint Research: counterpointresearch.com/en/reports/ai-advanced-pcs-to-surpass-half-of-global-shipments-in-2026The productivity cost of aging PCs — Intel research (PCs 4+ years old lose ~21 hours per year)Dell's AI PC portfolio — Dell, Dell Pro, Dell Pro Max: dell.com/en-us/blog/dell-transforms-ai-pc-portfolio-for-anywhere-productivityWorkplace lifecycle services — Softchoice: softchoice.com/solutions/modern-workplace/managed-services/lifecycle-servicesGuests:Ivo van Selst, Senior Technical Solutions Architect for AI and Data, Softchoice — linkedin.com/in/ivo-van-selst-4579a96Brandon Boone, Dell Technologies, Client Solutions Group — dell.comKey moments:Cold open — the hidden tax: the laptop nobody complains aboutAct One — what an AI PC actually is, and why the label misleadsAct Two — the false economy of deferring a refreshAct Three — Windows 10, the memory squeeze, and losing control of your timelineAct Four — match, don't guess: segmenting your fleet by workloadThe Catalyst by Softchoice is the podcast dedicated to exploring the intersection of humans and technology. 

1. Why Retirement Planning Is More Complex Than Ever Why retirement is no longer simply about accessing your pension. How today's retirees must balance income needs, tax efficiency and long-term financial security. 2. Annuities vs Drawdown – Understanding Your Options What annuities are and why they're becoming attractive again. How combining guaranteed income with flexible drawdown can create a more resilient retirement strategy. Why today's annuity options offer greater flexibility than many people realise. 3. Building a Sustainable Retirement Income Why creating reliable income throughout retirement requires careful planning. How cash flow modelling helps prepare for inflation, market downturns and changing income needs. Why having different "buckets" of money can reduce investment risk during retirement. 4. The 2027 Pension Inheritance Tax Changes What the upcoming inheritance tax changes could mean for pension holders. Why pensions are no longer simply a retirement planning tool—they're becoming an inheritance tax planning consideration. How planning early can help minimise unnecessary tax liabilities. 5. Reducing Inheritance Tax Efficiently How trusts can help transfer wealth more tax efficiently. Why gifting strategies remain an important part of estate planning. How turning pension capital into guaranteed income can remove assets from your taxable estate. 6. Protecting Your Family and Your Legacy Why inheritance tax planning is about more than reducing tax. How life assurance can provide liquidity so loved ones aren't forced to sell assets. The difference between whole-of-life cover and long-term life insurance strategies. 7. Financial Planning for Business Owners How Relevant Life Policies allow business owners to provide life cover tax efficiently. Why many business owners overlook valuable tax-saving opportunities. How structuring protection correctly can reduce both personal and business tax costs. Actionable Takeaways Review your retirement plan to ensure it balances flexibility with guaranteed income. Understand how the April 2027 inheritance tax changes may affect your pension. Consider whether your retirement income strategy is tax efficient. Review your estate plan and explore whether trusts or gifting could reduce future inheritance tax. If you're a business owner, check whether you're making the most of Relevant Life Policies. Work with an independent financial adviser to understand all of your retirement and inheritance planning options before making irreversible decisions. Remember that successful retirement planning isn't just about building wealth—it's about protecting it for yourself and future generations. Resources: WealthBuilders Membership – Free access to guides, webinars and community Download our FREE Pensions & Inheritance Tax Guide Connect with Andrew Cooper (Kingswood Law IFA) on LinkedIn Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Jim Moore, VP of OEM & Product Development at SEMA, joins the show from SEMA Garage in Diamond Bar, CA to break down the EPA's new ruling recognizing SEMA Certified emissions as a legal pathway, how CAD data and Tech Transfer help aftermarket manufacturers build parts, and why the fight over ADAS and the Right to Modify is the next big battle for the industry. Take your build up a whole new level with 6XD Gearbox: https://6xdgearbox.com Code "Minnoxide5" for 5% off High Performance Academy: https://hpcdmy.co/Minnoxide Use code "MINNOX" for 55% off ANY course Use Code "MINVIP" for $300 of the MINVIP Package Tuned By Shawn: https://www.tunedbyshawn.com Code "Minnoxide" for 5% off! Ship With Sure Thing Logistics: https://www.surethinglogistics.net MORE BIGGER Turbo T-Shirts: https://www.minnoxide.com/products/more-bigger-t-shirt 0:00 Visiting SEMA Garage and Meeting Jim Moore 5:14 CAD Data, Reverse Engineering & What Is SEMA Garage 14:21 The June 29 EPA Ruling: History of Emissions Regs & SEMA Certified 20:29 How SEMA Garage Helps Small & Large Manufacturers 26:54 SEMA's Economic Impact & Jim's Automotive Roots 32:06 Software-Defined Vehicles 37:49 Growing SEMA: Goals & Protecting Modification Rights 43:31 ADAS Regulation: Getting Ahead of the Next Fight 49:17 Modern Tech, Classic Cars, Crate Engines & EO Certification 54:43 Decoding the VECI Label & Engine Families 1:00:26 From Aftermarket to Factory, Trends, Trucks & Powersports 1:05:58 The Real Cost of Skipping Compliance: Counterfeits & Consequences 1:11:44 Joining SEMA: Costs, Member Benefits & CAD Data Access 1:17:23 PRI, Small Track Advocacy & Trump's Right-to-Repair Order 1:22:13 How SEMA Got the President's Attention

EP 429 — Two brothers turn British honey into a fast‑growing drinks brand while fighting cheap imports and scaling on a shoestring.Hive Mind Mead Co went from brewing in a garage to landing listings with Selfridges, Co‑op and top restaurants — all while protecting UK beekeeping and battling a drinks industry full of shortcuts. Kit explains the real cost pressures, the rebrand fight, and the constant juggle of production, stock and authenticity.They dig into the practical decisions behind scaling a physical product: pricing under duty pressure, navigating retailers, managing 180 hives, and avoiding the traps that sink early‑stage drinks businesses. No fluff — just the reality of turning a hobby into a viable UK brand.What You'll Learn in This Episode:• Price a craft product when duty dwarfs ingredients• Decide when to rebrand and how to manage the pain• Spot BS in food and drink manufacturing• Use small batches as a smart marketing tool• Scale a physical product without wrecking marginsPerfect for UK founders building a physical product or anyone curious about growing an authentic drinks brand without losing your soul.*For Apple Podcast chapters, access them from the menu in the bottom right corner of your player*Spotify Video Chapters:0:00 Starting with too many products02:30 From geologist and designer to mead makers06:30 What mead actually is11:00 Turning a hobby into a business14:00 The rebrand fight: Y Valley Meadery to Hive Mind18:00 Retailers, awards and credibility23:00 Honey sourcing, supply and UK provenance27:00 Bee health, climate and the rural economy32:00 Alcohol duty and margins34:30 Launching honey‑based soft drinks38:00 Industry shortcuts and authenticity43:00 Courses, community and brand building46:00 Business or BS55:00 Scaling a physical product57:30 Where to find Hive Mind MeadWatch and subscribe to us on YouTubeFollow us:InstagramTikTokLinkedInTwitterFacebookIf you'd like to be on the show, get in contact - contact@withoutbs.com

"Don't hire someone just to fill a position. Hire the right person for the long haul." Episode Chapters [00:01:35] Looking Beyond Retention Rates [00:03:02] Why Great Employees Always Have Options [00:07:59] How Disney Measured Turnover and Retention [00:10:42] The Real Reason Employees Leave [00:12:35] Using Data to Improve Hiring and Leadership Low turnover doesn't always mean your organization is healthy. In this episode, Lee Cockerell shares the difference between retaining employees and retaining the right employees. Great people have choices and poor leadership is often what drives turnover. When you take the time to understand who leaves and why, it can strengthen your culture, improve hiring, and build a stronger organization. Read my blog for more from this episode. Resources CockerellStore.com The Cockerell Academy About Lee Cockerell Mainstreet Leader Jody Maberry Travel Guidance Magical Vacation Planners are my preferred travel advisors. Reach out to have them help plan your next vacation. You can reach them at 407-442-2694.

Chad and Cheese drag Josh Secrest, Paradox's Head of Marketing, into the hot seat. Josh's resume boasts stints at both Abercrombie & Fitch and McDonald's. Once the guys stop badgering Josh about the Golden Arches, they get into why your current frontline application process is a flaming dumpster fire: The Velocity Deficit: The average restaurant or retail shop takes 16 painful days to lock down a frontline worker. The automated elite? They're doing it in 3.5 days. Frontline candidates are applying to 25 jobs simultaneously; if you aren't the first to text them back, you're just a ghost in their inbox while your remaining staff burns out. The Real Cost of "Quick Quits": Josh officially declares standard "time to hire" dead. The only metrics that actually impact the C-suite are the Break-Even Point (the magic 31-day mark where a worker finally stops costing you money) and the Retention Sticking Point (day 100, where they actually become a fixture). If your hires drop out before day 31, congratulations—you just subsidized their brief stint at your expense. Administrative Errand Boys: Your highly paid store managers are burning 10 to 12 hours a week acting as calendar secretaries, copy-pasting interview schedules and building shift templates. Paradox aims to execute that administrative trivia so managers can do the unfathomable: stand front-of-house and generate revenue. The Cold Hard Truth: Stop making people take a 45-minute personality quiz to flip a burger or stock a shelf. Automate the blocking and tackling, match their schedule instantly, or get used to looking at a red balance sheet.

Authority always starts with mission. It's about harnessing your passion, your platform, and your unique story to inspire real change. It is not just to generate content. In this episode of Influential Voices of Authority, Erik K. Johnson sits down with Paul "Waterboy" Brown who is on a two-year mission to walk across Africa and help local communities gain permanent access to clean water.   Important Links: Head to www.water.work to donate $1 and change a life. Get more information on Paul "Waterboy" Brown at http://www.waterwalk.co. Subscribe to the podcast: Apple Podcasts: http://www.PodcastTalentCoach.com/apple Spotify: http://www.PodcastTalentCoach.com/spotify Website: http://www.PodcastTalentCoach.com/podcasts   Episode Segments: 00:00 "Rooting Authority in Relationships" 01:13 "From Combat to a Calling" 03:01 "One Billion Without Clean Water" 05:14 "A Mission Revealed in a Moment" 07:45 "Real Estate as a Freedom Vehicle" 10:07 "The Real Cost of Water Wells" 11:15 "Training Locals for Legacy" 13:11 "Divine Appointments in Daily Life" 15:36 "Why Waterboy? The Power of an Approachable Brand" 17:34 "Building a Team on the Ground" 19:05 "Walking as Survey, Walking as Solidarity" 24:23 "Navigating Setbacks, Upgrading Along the Way" 28:00 "Sleeping with Elephants, Learning from Locals" 33:06 "How to Support: Make an Impact for $1" 34:49 "The Lesson: Ask for More Help, Sooner" 36:05 "What's Next: Across Africa…and Beyond" 38:22 'True Success: Empowerment, Not Dependency"   Key Takeaways: - Authority Flows from Relationships Paul Brown shares why real leadership is rooted in authentic relationships, not credentials or ego. Through his On Your Terms podcast, he connects guests and listeners for transparent conversations about building freedom and impact on their own terms. - Combining Passion, Purpose, and Platform Paul's mission began with a challenge to rethink charity and instead empower self-sufficiency. Mixing military discipline, real estate expertise, and a willingness to risk, he built a platform able to fund and amplify his mission—showing what's possible when vision and practicality align. - Empowerment Over Handouts Instead of just drilling wells, Paul emphasizes teaching local communities both how to build and maintain water infrastructure. This creates autonomy, dignity, and a ripple effect... local leaders training their neighbors, multiplying sustainable impact for generations. - Your Network Is Your Net Worth Critical "divine appointments" came simply by doing business with purpose—from deep study at home to chance meetings in banks and conferences. As Paul puts it, clarity and calling often show up after you act, not before. - The Power of Team, and Asking for Help From trusted Zambian partners to a walking buddy fluent in five languages, Paul illustrates how teamwork and openness to help strengthens any mission. If he started again, he'd ask for more help sooner, because community outpaces solo effort. - How You Can Create Massive Impact for Just $1 Paul's unique call to action is clear: for every $1 given, one person in Africa gains permanent access to water. He invites listeners to give, join the journey, and see exactly where their support makes a difference.   Episode Highlights: - Real cost and logistics of water well drilling across Africa - Wild realities of walking and camping with elephants, rhinos, and hippos - Building true legacy by empowering others to take ownership and lead - Why "Waterboy" isn't just a nickname... it's a strategic approach to humility and visibility - Strategies for transforming everyday business into powerful impact   Connect with Paul "Waterboy" Brown: Head to www.water.work to donate $1 and change a life. Your support builds authority, legacy, and life-saving access for entire communities one relationship at a time. Get more information at http://www.waterwalk.co.   Ready to strategically grow your podcast authority? You've published the episodes. You've stayed consistent. You know your content is good. And yet… You're not being seen as the authority in your niche Your podcast isn't creating the level of influence or opportunity you expected People listen—but they don't take action And you sound professional… but not unforgettable The truth? Consistency alone doesn't create authority. Intentional leadership does. Are you ready to turn your podcast into an authority engine and not just more content? Would you like to move from best-kept secret to recognized authority? Let me audit your podcast and find the gaps. Go to www.PodcastTalentCoach.com/coaching, click the button and apply to have a chat with me. We will uncover your authority positioning problem, develop your plan to succeed, and see how I can help and support you to achieve your podcast goals. Get your podcast audit at www.PodcastTalentCoach.com/coaching. Until we do this again, step into your authority. We'll see you next time.

Discover why the sticker price on Angi and HomeAdvisor leads doesn't tell the full story. We break down the real cost-per-booked-job formula, compare shared versus exclusive leads, and reveal how speed-to-lead and qualification can make or break your roofing business. Profit Acuity City: Pittsburgh Address: 239 Fourth Ave, Ste 1401 #8511 Website: https://app.profitacuity.com Phone: +1 877 624 1229

Love and money are two of the biggest factors in any relationship, but how much should dating actually cost?In this episode of Finance on Fridays, David Shands and Doug Washington have an honest conversation about dating on a budget, engagement rings, weddings, building wealth as a couple, and the financial decisions that can shape your future. They share personal stories about choosing love over fast money, the importance of finding the right partner, and why building together will always be more valuable than trying to impress others.Whether you're single, dating, engaged, or married, this conversation will challenge the way you think about relationships, finances, and long term wealth.In this episode you'll learn:• How much you should actually spend while dating• Why your partner is one of the biggest financial decisions you'll ever make• The truth about engagement rings and expensive weddings• How to talk about debt, credit, and money before marriage• Why building wealth together beats chasing appearancesIf you enjoyed this episode, be sure to like, subscribe, and share it with someone who needs to hear this conversation.#FinanceOnFridays #SocialProof #DavidShands #DougWashington #PersonalFinance #Dating #Marriage #Money #Relationships #WealthBuilding #FinancialFreedom #EntrepreneurshipOur Sponsors:* Check out Cash App and use my code CASHAPP10 for a great deal: https://cash.appAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Episode SummaryOto sits down with Tom Barendregt to go deep on TAG/CopyX — and the "Amplified Account" that lets clients trade with up to 12X their deposited capital. Tom shares his personal story (three cancer diagnoses, a decade in affiliate marketing, and how he ended up in Dubai), then breaks down exactly how the platform works: the mechanics of leveraged trading, how CopyX protects elite traders from being copied in real time, the fee structure and high watermark system, and the affiliate ecosystem tying TAG, Bit.one, and BIX together. Oto plays devil's advocate throughout, pressing Tom on negative reviews, regulatory questions, and the classic "is this an MLM" concern — and Tom answers all of it directly.Chapters / Timestamps(Shifted +52s to account for the trailer at the top of the episode)00:00 – Trailer00:52 – Intro & Meet Tom Barendregt01:52 – From Hockey Prospect to 3x Cancer Survivor05:52 – How Tom Got Into Affiliate Marketing10:52 – Is TAG/CopyX an MLM? Debunking the Stigma16:52 – The Real Cost of Joining (It's Free to Start)19:52 – What Is CopyX? FX Brokerage 10123:52 – Three Ways to Use the Platform (Self-Trade, Learn, CopyX)27:52 – Why CopyX Is Different From Other Copy Trading37:52 – The Amplified Account: Trading 12X Your Capital44:52 – Real Numbers: The Sonic Expert Group's Track Record53:52 – Fees, High Watermarks & How Payouts Actually Work1:00:52 – Meet the Owners Behind CopyX1:05:52 – The Growth Numbers (25K to 600K Clients)1:08:52 – The Full Ecosystem: TAG + Bit.one + BIX Card1:13:52 – Withdrawal Rules & The 30-Day Lock Explained1:19:52 – Addressing the Bad Reviews (Trustpilot, WikiFX)1:26:52 – Regulation, Mauritius, and the Netherlands Controversy1:35:52 – Why Discernment Matters More Than Headlines1:38:52 – Tom's Life Lesson: Focus on What You Can Control1:44:52 – Closing Thoughts & How to Get StartedKey TakeawaysCopyX is a licensed FX brokerage (regulated via the Financial Services Commission of Mauritius through TM Financials Ltd), not a fund or family office — it only facilitates trades.The Amplified Account lets clients trade with up to 12X their deposited capital, backed by real liquidity providers (banks) — capped at a 10% max drawdown on the account.CopyX hides live trades from followers (only visible once closed) specifically to protect high-caliber providers from being copied and resold by third parties.Fee split example: on $120 profit, client keeps $84 (70%), 5% goes to the provider, 25% to the affiliate plan — and it's all governed by a high watermark so fees are only paid on new profit highs, never on recovered losses.Minimum to just try the platform: $10. Minimum to qualify as an affiliate: $250 in an active strategy.The ecosystem (TAG, Bit.one crypto exchange, BIX card) shares one referral link and one affiliate back office — affiliates earn across all three.Tom addresses negative reviews directly explains WikiFX's pay-for-score model, a retracted Dutch regulator complaint, and the ownership transition from Pure North Markets to TM Financials Ltd.**THIS IS NOT FINANCIAL ADVICE, THIS IS FOR EDUCATIONAL AND ENTERTAINMENT PURPOSES ONLY**JOIN TAG/COPYX TODAYGET TAG/COPYX ONBOARDING SUPPORTCONNECT WITH OTO:Instagram - https://instagram.com/otogomesWebsite - https://otogomes.liveJOIN CFA FREE

Send us Fan MailYour son makes a top travel or select team and suddenly everything feels urgent. Tryouts, fees, rankings, showcases, guest players, tournament schedules, recruiting promises. We slow the moment down and ask the question that actually protects families: are you buying real player development, or are you buying a uniform and a calendar?We sit down with Bobby Minor, a former D1 player and longtime coach who now helps baseball parents make smarter decisions from Little League through high school baseball and into college baseball. We talk about the hidden “most expensive” part of youth travel baseball: uninformed choices made out of fear, comparison, and pressure. Bobby breaks down early bloomers versus late bloomers, why so many kids quit by 14, and how work ethic and patience beat hype almost every time.We also get practical. What should you ask a travel team before you commit? Bobby explains why guest player policies matter, how the true all-in cost can double once uniforms, facility fees, hotels, and gate charges hit, and what a real development plan should look like when a player struggles. Then we tackle arm care and pitcher overuse on weekends, plus the truth about Perfect Game and PBR rankings as marketing tools versus real recruiting signals.If you want clearer priorities, fewer regrets, and a healthier path through travel baseball, hit play, subscribe, share this with a baseball parent, and leave a quick review so more families can find it.Support the showFollow:  X | @BCUPod / IG @baseballcoachesunplugged Website - https://www.athlete1.netSponsor: The Netting Professionalshttps://www.nettingpros.com

In today's FittBite, we look at what really affects the cost of a hoodie when different factories quote the same design. This FittBite explains how GSM, fabric type, fit, construction method, logo application, trims, production support, and factory assumptions can all change the final unit price.Tune in to learn why the cheapest quote is not always the best deal, and how to compare pricing more accurately before choosing a factory.Book a 1 on 1 with our host, Shadi for personalized advice on how to create and grow your fashion business: https://www.fittdesign.com/services/consultationDesign your own collection with our instantly downloadable factory ready tech pack templates:  FittDesign Tech Pack TemplatesFollow our host on instagram:https://www.instagram.com/shadiadada/https://www.instagram.com/fittdesign/Got any other questions, email us for an instant response at:studio@fittdesign.comSubscribe to our weekly fashion design podcast (New episodes every Thursday at 4pm CST): https://podcasts.apple.com/gb/podcast/the-fittdesign-podcast/id1454410683Visit our website:https://www.fittdesign.com/Follow us on:https://www.linkedin.com/company/fittdesign/https://www.facebook.com/fittdesignhttps://www.pinterest.com/fittdesign/https://www.behance.net/fittdesign...

The Reserve Bank just lifted the OCR.So what does that actually mean for your mortgage?In this episode, Ed and Andrew unpack the latest OCR decision, why the Reserve Bank made the move, and what it means for interest rates in the months ahead. You'll learn: What the Reserve Bank's latest OCR decision means How much your mortgage rate could change The interest rate discounts investors are getting right now An OCR change makes headlines. But what really matters is how it flows through to the rates you'll actually pay.And if you want to talk to one of our mortgage advisers, just reach out to ⁠⁠⁠⁠⁠⁠Opes Mortgages⁠⁠⁠⁠⁠⁠ for a free meeting.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠

Want our guidance to build and run your own marketing engine? Book a call with our team: https://call.contractordynamics.com/yt?utm_source=YouTube&utm_medium=Description&utm_campaign=7.07.26Get our FREE marketing course for contractors here: https://course.contractordynamics.com?utm_source=YouTube&utm_medium=Description&utm_campaign=7.07.26Most roofing agencies won't tell you what you're actually paying for until you're already locked in.In this episode, Joseph Hughes breaks down everything you need to know before hiring a marketing agency: the five pricing models, the red flags that should make you walk away, what actually drives costs up (and what's worth paying for), and the hidden fees nobody mentions until it's too late.If you've ever wondered whether $3,000 a month is reasonable, or gotten burned by an agency that overpromised and underdelivered, this is the video you needed six months ago.Key Takeaways for Contractors✔️ The five pricing models agencies use and what each one really costs you✔️ Five red flags that mean it's time to walk away✔️ What actually drives agency pricing up (and what's worth paying for)✔️ The hidden costs no one tells you about until you're locked in✔️ Why the cheapest agency is almost always the most expensive one✔️ A real case study of a $5-7M roofing company that was burning $18,000/month with no idea what it was gettingKey Timestamps0:00 Why most roofing owners have no idea what they're paying for2:08 The five pricing models, explained3:42 Five red flags that mean walk away5:19 What drives agency costs up and what's actually worth it7:13 The hidden costs nobody tells you about8:38 Case study: the $18,000/month agency that wasn't working10:56 Recap and what to ask before you signIf you want to learn how Contractor Dynamics helps roofing companies build marketing systems that actually connect to revenue, watch this free video that walks through our entire system:https://www.contractordynamics.com/training/?utm_source=YouTube&utm_medium=Description&utm_campaign=7.07.26Ready to find out what's really happening inside your marketing?Schedule a Marketing Demo with our team and we'll show you exactly what's working, what's not, and what it would take to fix it.

Let's talk about something a lot of us have been quietly researching — cosmetic procedures. Whether you've gone down a TikTok rabbit hole on facelifts or you're seriously considering something, the money side of this decision matters just as much as the medical side.In this episode, I'm joined by Dr. Ruslan Zhuravsky — board-certified facial plastic surgeon and founder of Z Face Plastic Surgery in Aventura, Florida — to break down the real economics of cosmetic surgery. We're talking about why bargain procedures can end up costing you way more in the long run, which procedures are actually worth the investment, and what to look for (and run from) when choosing a provider. This is the informed, empowered conversation you need before spending a single dollar on your face. Let's get into it.WE GET INTO:00:00 — Introduction: Why plastic surgery belongs on a personal finance podcast01:22 — Dr. Z's background: from art and architecture to facial surgery04:03 — Why he chose a boutique practice over high-volume centers05:23 — Building a practice from scratch: loans, word-of-mouth, and the grind08:07 — The economics of cosmetic procedures: price vs. value09:34 — The danger of over-filling: why "cheaper" treatments compound costs11:05 — Real patient story: years of med spa treatments vs. one surgical solution13:04 — How to evaluate if a quoted price is fair15:11 — Going abroad for surgery: real talk on risks and rewards17:31 — The three pillars of aging: laxity, volume loss, and skin changes20:48 — Where to invest first if you have a limited aesthetic budget22:44 — Botox 101: cost, longevity, and what can go wrong24:46 — Med spas vs. surgical practices: what's actually different26:52 — Skincare myths and social media trends to be skeptical about28:22 — Retinol: is it worth the hype?29:45 — Best long-term value procedures vs. worst investments36:27 — Facelifts and Ozempic face: what GLP-1 users need to know36:55 — The honest surgeon test: red flags to watch for in consultations39:05 — What a good consultation actually looks like41:13 — When the right answer is NOT to have surgery43:11 — How to verify credentials and board certifications46:18 — Dr. Z's money lesson: let your money work for youKEY TAKEAWAYS:– Cheap treatments aren't just less effective — they can make future surgery harder and more expensive– The three pillars of aging are laxity, volume loss, and skin changes — each requires a different solution– Board certification is the bare minimum, not the finish line — do your research beyond that– Rhinoplasty is often the best long-term investment because a quality one is one and done– Neck liposuction and buccal fat removal are frequently bad investments — most patients don't actually need them– Good consultations take time — if a doctor is rushing you out, that's your sign– About 30% of patients Dr. Z sees are told not to have surgery at all — an ethical surgeon will tell you the truth– Skincare basics (sunscreen, moisturizer, microneedling) are the highest ROI foundation before any procedure– Always get multiple consultations — even Dr. Z encourages his own patients to shop aroundCONNECT WITH DR. ZInstagramWebsiteTAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

AI isn't just another tool. It's intelligence becoming cheap, instant, and impossible to switch off from, and neurofuturist Joel Pearson thinks most of us haven't reckoned with what that actually means. In this episode, Mel sits down with Joel to unpack what happens to our brains, our work, and our relationships when thinking hard stops being necessary. They talk about the tension between innovation and staying human, why "just another tool" is the wrong way to think about AI, and what leaders and individuals alike need to understand before the ground shifts further underneath them. If you've felt caught between excitement and unease about where this is all heading, this conversation will give you language for it.

I know this might be a controversial opinion, but I don't think screens belong in preschool classrooms.In this solo episode, I share what I've observed as a school-based occupational therapist and why I believe we've become too reliant on technology in early education. This isn't about being anti-screen or anti-teacher. It's about asking whether screens are replacing the hands-on, movement-rich experiences that young children actually need to develop.I talk about SMART Boards, educational apps, handwriting, fine motor development, free play, and why movement, creativity, and real-world learning can't be replaced by a screen. I also share practical ideas for parents, therapists, and educators who want to reduce screen time without eliminating technology altogether.At the end of the day, technology isn't the enemy, but development has to come first.Thanks for listening

Travel baseball can cost you tens of thousands of dollars, and the real bill is bigger than the checks you are writing. Here is what you are actually paying for.   MLB agent Matt Hannaford adds up the real cost of travel baseball so you can stop overpaying and start spending on what actually develops your son. Subscribe for the insider playbook on recruiting, the transfer portal, and the MLB Draft.   WHAT YOU'LL LEARN The full cost of travel baseball that most families never add up Why spending more does not mean your son is developing more When a roster spot you are paying for is no longer worth it The cost that has nothing to do with money: your relationship with your son How to capture the benefit of travel baseball at the lowest possible cost   Matt Hannaford answers three real questions from travel baseball parents, and every one of them comes back to cost. First, the obvious bill: entry fees, program dues, flights, rental cars, hotels, and food. Matt is direct that travel baseball is a completely different animal than Little League, and that the financial buy-in is real before you talk about anything else.   Then comes the cost most families never see coming. Parents spend all of this money chasing exposure early, and end up in the hole 20, 40, sometimes hundreds of thousands of dollars, only to reach 16 and wonder why their son still is not being recruited. Matt explains the order that protects your wallet: development first, then competition, then exposure, because August 1 of junior year is the first time a Division I program can even contact you. You can go to almost no events, focus on development, and your son is still not behind. He points to Steph Curry, who developed his game and went to Davidson, and Evan Longoria, who went from junior college to Long Beach State to the third overall pick.   When Jim from Naperville asks whether he is just paying $3,000 to develop the starters, Matt gives you the two questions to ask a coach before you write the check, and the respectful meeting to have when the program stops adding value. And the deepest cost is not money at all. When Tom from Louisville asks whether travel ball is development or status, Matt gets honest about the ranking system and the value of failure, citing the start to Austin Riley's career. Former big leaguer Danny Espinosa shares what a real win looks like: your son saying, it's okay, I love you. Related topics include college recruiting, scholarships, the transfer portal, NIL, and rec ball versus travel ball.   TIMESTAMPS 0:00 - The Real Cost of Travel Baseball 1:40 - The Costs Nobody Adds Up 4:41 - The Benefit at the Lowest Cost 16:25 - Spending Big and Still Not Recruited 22:06 - Paying $3,000 to Sit the Bench 28:47 - The Cost That Isn't Money 31:26 - Why Rankings Cost You Focus   ABOUT THE MVA PODCAST Matt Hannaford is an MLB agent who gives you the insider playbook on college recruiting, the transfer portal, and MLB Draft decisions. The Most Valuable Agent Podcast helps parents and players navigate the system with confidence.   Have a question for a future episode? Email matt@mostvaluableagent.com   Subscribe: https://www.youtube.com/@mostvaluableagent MVA Website: https://www.aligndsports.com/ Instagram: https://www.instagram.com/mfhannaford/    #MVAPodcast #TravelBaseball #CollegeBaseball #MLBDraft #YouthSports  

Are you constantly moving the financial goalposts, yet never quite feel satisfied? This episode delves into the psychology of "never enough." We explore how increasing income often leads to increased spending, more stress, and less fulfillment. We challenge the belief that more money is always the answer and offer strategies for finding contentment and defining what “enough” truly means.Key Moments:The Moving Goalpost of Enough - The discussion kicks off comparing chasing money to a dog after its tail or a cat toying with an ever-higher string 01:27.Inflation, Lifestyle Creep, and Sticker Shock - We deep dive into rising costs, from $100k SUVs and the temptation to upgrade lifestyle alongside income 02:23, 03:26.Can More Money Make You Poorer? - The surprising idea that bigger paychecks can actually lead to less freedom and cash flow if not managed well is unpacked 04:51, 07:46.The Value of Money Habits Over Income - Old-school budgeting strategies and the importance of meticulous money management are key no matter your income 05:54, 06:53.The Hidden Costs of Chasing Higher Salaries - We scrutinize the trade-offs of chasing bigger paychecks, sacrificing relationships, workplace equity, and sometimes true happiness 10:59.Defining Success on Your Own Terms - Decide what “enough” looks like for yourself rather than defaulting to societal expectations 27:09, 28:09.Why You Should Tune InTune in for honest, relatable insights on breaking the cycle of working for “more” at the expense of peace, relationships, and real fulfillment. This episode delivers both actionable strategies and the permission to redefine success in your own terms—whether you're climbing the corporate ladder, running your own business, or somewhere in between.Who This Episode Is ForAnyone struggling with feeling like it's “never enough,” regardless of incomeAmbitious professionals weighing job offers or lifestyle upgradesCouples navigating financial decisions and long-term planningListeners interested in practical budgeting, the FIRE movement, or redefining wealth and happinessTake a thoughtful, funny, and truth-filled journey that will help you decide—once and for all—how much is enough for you.This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: www.AHCU.co/ForBetterandWorthOur website: www.forbetterandworth.comGet Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlightConnect with us:Instagram: @forbetterandworthYouTube: @forbetterandworthEricka: @erickayoungofficialChris: @1cbyoung

Send us Fan MailFreedom gets talked about like it's a feeling, but it's really a foundation, and foundations can crack. With the 250th anniversary of America's independence on our minds, we slow down and look at what liberty actually costs, what keeps it strong, and what happens when a culture starts trading it away piece by piece. I share why I'm deeply grateful to live in the United States, not as blind optimism, but as a sober appreciation for a heritage built through sacrifice and shaped by faith. We go to Scripture, especially Galatians 5, to separate real Christian freedom from the cheap version that means “do whatever I want.” Christ sets us free so we can live free, and that freedom is meant to produce self-control and love of neighbor, not indulgence. From there, we talk about self-governance, the role of government in restraining evil, and why a moral code matters if you want a society where free speech, private property, and true religious liberty can survive. I also tell a story from Africa that challenged me to see America's Christian heritage with fresh eyes. Then we get practical through the lens of faith and farming. Economic independence and local production helped early Americans resist tyranny, and the same principle applies today when consumerism, debt, and dependency quietly limit our choices. If we want to keep living out a biblical worldview in our work, our homes, and our land, we need the courage to sacrifice comfort for freedom. Subscribe, share this with a friend, and leave a review with one takeaway you want to live out this week.Buy a copy of Henry and the Great Society from our friends at https://homeward.press/Support the show

Rebalancing toward brand from a performance-only mix lifts revenue ROI by a median of 90%. Yet 67% of senior marketers are still shifting budget the wrong direction. The gap between what marketers know and what they do turns out to be one of the costliest problems in the industry.In this episode, Elena, Angela, and Rob dig into the Multiplier Playbook, a new WARC report that surveyed over 200 senior marketers to identify the structural, cultural, and measurement barriers keeping brands stuck in a performance-only loop. They break down the doom loop, explain the missing 15% of brand value hiding in baseline sales, and discuss what it really takes to close the say-do gap. Topics covered:[01:18] What the Multiplier Playbook found about the say-do gap [02:01] Why 67% of marketers keep shifting budget toward performance [07:15] The doom loop and how performance-only thinking compounds over time [10:56] The missing 15% of brand value hiding in your baseline [14:12] Why 41% of marketers say creativity is seen as a risk [16:13] How brand investment strengthens your visibility in AI-driven search [17:55] Why 90% of ads get pulled before they ever wear inTo learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.Resources:The Multiplier Playbook: https://www.warc.com/en/the-multiplier-playbook-2026Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts.

Most of us have felt it — that quiet nudge toward something more. A calling that keeps showing up no matter how many times we push it aside. But then reality kicks in. Bills, responsibilities, family, security. And suddenly following your heart starts to feel like a luxury you can't afford.In this episode we explore one of the most common tensions people face — how to honor what you're truly called to do without neglecting the life you've already built. We break down the difference between following your feelings and following your heart, how to recognize your real calling when it shows up, and why being fiscally responsible and following your purpose are not mutually exclusive.We also explore two very different ways of waking up every morning — and which one is actually the more responsible choice in the long run.If you've ever felt trapped between your dreams and your obligations, this episode will give you a new way to see both.Send us a text message. We'd love to hear from you!

This week on the podcast we are joined by Dr. Kemi Doll, a physician, surgeon, researcher, double board-certified gynecologist and oncologist, and founding director of the Gynecologic Research and Cancer Equity Center at the University of Washington. After 16 years of training and over $200,000 in student loan debt, she turned her personal and professional experience into a mission to change how Black women are treated in gynecologic care.  In this episode, Dr. Kemi breaks down how conditions like heavy menstrual bleeding, endometriosis, and fibroids are not just health issues; they are career and financial ones. Women with endometriosis can miss up to 60 to 65 days of work a year, while women with heavy bleeding often show up to work functioning far below their capacity, a phenomenon called presenteeism.  She shares the clinical signs that your period is not normal, the exact language to use at your gynecology appointment to be taken seriously, and how to find a provider who will actually listen. We also get into her own story of resilience, how she used the NIH Loan Repayment Program to eliminate her debt while building her research career, and why she started a coaching company after discovering she was being paid 30% less than her colleagues. In this episode, Dr. Kemi shares: How untreated womb conditions like fibroids and endometriosis silently drain Black women's productivity and earning potential The clinical signs that your period is not normal and what you can do about it How to advocate for yourself at a gynecology appointment, including the exact phrases that get doctors to take your symptoms seriously How she paid off over $200,000 in student loans using the NIH Loan Repayment Program while building her research career + more What's New in the Paperback Edition of Your Journey to Financial Freedom: A bonus chapter: When Life Happens: Staying on the Path to Financial Freedom Through Setbacks, Shifts, and Uncertainty A book club and discussion guide with prompts, exercises, and action steps Updated corrections from the original hardcover Exclusive bonus The Fire Starter Course The Find Your FIRE Number Worksheet Other related blog posts/links mentioned in this episode: NIH Loan Repayment Program: lrp.nih.gov Check out "A Terrible Strength" by Dr. Kemi Doll Check out the FIRE Calc Get your paperback edition of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Dr. Kemi: Website: Kemidoll.com Instagram: @KemiDoll TikTok: @DrKemiDoll Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide