Podcasts about real numbers

What if thousands of steps of gentle walking aren't giving you the brain protection you think they are? In this solo episode, I break down one of the most important exercise studies published in Nature Communications and what it means for your brain, longevity, and Alzheimer's risk. Tracking over 73,000 people for eight years using wearables, the findings are shocking: one minute of vigorous exercise is worth up to 10 minutes of moderate activity — not the outdated 2-to-1 rule. For diabetes prevention, it's nearly 10-to-1. For cardiovascular mortality, it's 8-to-1. And here's what no one is saying: every outcome measured — heart disease, diabetes, metabolic dysfunction — is an independent risk factor for Alzheimer's and dementia. I explain why vigorous exercise is so powerful for your brain: shear stress that strengthens blood vessels, lactate that triggers BDNF, muscle fiber recruitment that protects against falls and cognitive decline, and glucose regulation that defends against insulin resistance — a driver of neurodegeneration. Think vigorous exercise is out of reach? Good news: the study defines it as brisk stairs, carrying groceries, or playing actively with your kids. No gym required — just effort. Just 3–4 minutes of vigorous bursts per day can reduce all-cause mortality by 40% and cardiovascular events by nearly 50%. For women over 40, this is critical. Two-thirds of Alzheimer's cases are women, and perimenopause is a vulnerability window for the brain. Vigorous exercise can partially compensate for declining estrogen by improving glucose regulation, reducing inflammation, and protecting the brain in ways gentle movement cannot. *** Reduce your risk of Alzheimer's with my science-backed protocol for women 30+: https://go.neuroathletics.com.au/brain-code-yt Subscribe to The Neuro Experience for more conversations at the intersection of brain science and performance. I'm committed to bringing you evidence-based insights that you can apply to your own health journey. *** A huge thank you to my sponsors for supporting this episode. Check them out and enjoy exclusive discounts: Rho NutritionYou can get 20% off with the code NEURO at https://rhonutrition.com Function HealthVisit https://functionhealth.com/louisa or use gift code NEURO100 at sign-up to own your health. AquaTruGo to https://AquaTru.com now for 20% off using promo code NEURO. TimelineHead to https://www.timeline.com/neuro to get 20% off. Cure HydrationGet 20% off your first order at https://curehydration.com/neuro with code NEURO. *** I'm Louisa Nicola — clinical neurophysiologist — Alzheimer's prevention specialist — founder of Neuro Athletics. My mission is to translate cutting-edge neuroscience into actionable strategies for cognitive longevity, peak performance, and brain disease prevention. If you're committed to optimizing your brain — reducing Alzheimer's risk — and staying mentally sharp for life, you're in the right place. Stay sharp. Stay informed. Join thousands who subscribe to the Neuro Athletics Newsletter → https://bit.ly/3ewI5P0 Instagram: https://www.instagram.com/louisanicola_/ Twitter : https://twitter.com/louisanicola_ Topics discussed:00:00:00 Introduction: The Exercise Intensity Revolution 00:01:02 The Study That Changes Everything 00:04:50 The Flawed Foundation: Why Guidelines Were Wrong 00:06:50 The Real Numbers: 4 to 10 Times More Powerful 00:08:53 The Brain Connection No One Is Talking About 00:15:32 Mechanism 1: Shear Stress and Cerebral Blood Flow 00:17:38 Mechanism 2: Lactate and BDNF Production 00:19:25 Mechanism 3: Type 2 Muscle Fibers and Myokines 00:24:30 Mechanism 4: Glucose Regulation and Mitochondrial Health 00:28:18 VILPA: The 3-Minute Daily Game Changer 00:32:16 Women and Menopause: The Critical Window 00:35:19 Practical Protocols: What to Do Starting Today Learn more about your ad choices. Visit megaphone.fm/adchoices

“Be honest — what's something you've been consistent at… but haven't seen results from yet?” You can do the right things and still be headed in the wrong direction. In this episode of the Secret to Success Podcast, the conversation goes straight at a frustration many disciplined people quietly carry: “I followed the rules. I showed up. I stayed consistent… so why isn't it working?” This isn't a motivational episode. It's an examination. The team breaks down why effort alone doesn't produce growth, how consistency without measurement becomes rehearsed failure, and why isolation — not laziness — is often the real reason progress stalls. You'll hear why pain is often proof of progress, why feedback is essential (even when it hurts), and how following the wrong formula can keep smart, hardworking people stuck for years. If you've been doing the work but questioning the results, this episode will help you identify what needs to change — without throwing away everything you've built. This conversation is about alignment, correction, and building with intention — not just grinding harder. Chapters 00:00:00 Opening: Consistency Isn't Enough 00:01:26 Welcome and Team Introductions 00:06:55 How Do You Know When God Is Telling You to Move? 00:11:33 The Power of Making Decisions Over Waiting 00:13:23 Patterns Over Decisions: Learning God's Ways 00:15:57 Excellence Is God: Moving in the Spirit of Excellence 00:16:46 Consistency Without Quality Is Rehearsed Failure 00:21:37 The Sandpaper People: Why You Need Correction 00:24:18 Stop Working in Isolation: The Cage Mentality 00:34:39 Measuring Progress: Pain Equals Progress 00:38:04 Quick Evaluation: The Secret to Accelerated Growth 00:40:15 Being Coachable: ET's Jordan Brand Adjustment 00:43:09 Real Numbers, Real Accountability 00:57:52 Breaking Free from Your Cage: Changing Your Circle 01:02:07 Closing: Merry Christmas and Final Encouragement Subscribe If you're serious about growth — not just motivation — subscribe to the channel. New conversations drop weekly, focused on discipline, clarity, and building a life that actually works. Join Our Patreon Community If you want to go deeper than the podcast, join our Patreon community. Patreon members get: - Behind-the-scenes conversations - Extended discussions and bonus content - Direct access to the community shaping these ideas in real time patreon.com/s2spodcast120 Share This Episode If this episode made you uncomfortable — it'll probably help someone you care about. Share it with a friend who's doing everything right but feels stuck. Share this with someone who's doing everything right but feels stuck

Is Catholicism really growing? Across TikTok, YouTube, and X, Catholic and Orthodox content seems to be exploding — but is this a true religious shift or just a digital trend? In this video, Christian Barrett explores why Catholic conversations are increasing, whether Catholicism is actually growing statistically, and what all of this means for Protestant churches today.In Part 1, he analyzes the rise of Catholic and Orthodox voices online, the renewed interest in tradition, liturgy, and authority, and what's driving the digital “Catholic moment.”In Part 2, he examines what's actually growing in Christianity and why Protestantism — especially evangelical and non-denominational churches — continues to shape most conversions worldwide. We also discuss what Protestants must recover: depth, discipleship, theology, formation, and historic rootedness.Support Emet Ministries, so we can continue to provide content and resources to help disciples become disciplers: https://veritas-ministry-415223.churchcenter.com/givingMy reading list:⁠ https://www.goodreads.com/user/show/74696644-christian-barrettChapters:00:00 – Is Catholicism Really Growing?00:22 – Why Catholic Content Is Exploding Online04:18 – Are Catholicism and Orthodoxy Actually Growing in Real Numbers?12:03 – What's Really Growing in Christianity Today?15:40 – What the Rise in Christian Interest Means for Protestants17:XX – The Protestant Opportunity: Depth, Discipleship, and FormationCatholicism growth, Catholic revival, Protestant church decline, Orthodoxy trends, is Catholicism growing, why Catholicism is growing, Catholic TikTok, Protestant vs Catholic, Christian trends 2025, Christian conversions data, theology, church history, Emet Ministries#catholic #protestant

Real numbers

Is Knoxville Still an Affordable City? Breaking Down Real Numbers and What It's Like to Live Here In this week's episode of Real Estate with Ryan, Ryan Coleman takes a closer look at one of the biggest questions people are asking today: Is Knoxville still an affordable place to live? Ryan breaks down the real numbers behind home prices, interest rates, and cost of living, while also sharing what day-to-day life in Knoxville and East Tennessee is really like. Whether you're considering a move, thinking about buying your first home, or weighing a relocation, this episode delivers practical insight backed by local expertise. Tune in Saturday at 11 AM on Talk Radio 92.3 FM / AM 760 WETR, and catch the recap video at 1 PM on Facebook, YouTube, and Apple Podcasts. You can also listen at 1 PM on News Talk 98.7 FM, or watch the full episode on Facebook and catch the replay on YouTube, Apple Podcasts, or SoundCloud. Ryan Coleman Founder / Broker / CEO Hometown Realty LLC Voted Best of Knoxville 2017–2025 Proud Sponsor of the VOLS Dave Ramsey Top ELP YOUR TENNESSEE AGENT #RealEstateWithRyan #KnoxvilleRealEstate #EastTennesseeLiving #MovingToKnoxville #KnoxvilleHousing #HousingMarketUpdate #EastTennesseeRealEstate #HometownRealty

You know how every summer Australians wander down to the beach, breathe in the salty air, have a few too many wines, and suddenly convince themselves that owning a holiday home is a brilliant investment strategy?   Well… it isn't. In fact, it's one of the biggest financial traps I see Aussies fall into.   And today, I'm joined by Brett Warren, National Director of Property at Metropole, to unpack all the reasons why holiday homes almost always underperform, why the numbers never stack up, and what smarter investors are doing instead.   Our discussion highlights the risks associated with holiday properties, the necessity of prioritising long-term financial goals, and the current market trends that could impact property investment decisions in the coming years.   Takeaways  ·         Holiday homes often come with hidden costs and risks. ·         Successful investors prioritize essential investments over lifestyle choices. ·         Understanding market trends is crucial for long-term investment success. ·         Emotional decisions can lead to poor investment choices. ·         It's important to evaluate the true costs of owning a holiday home. ·         Investing in high-demand areas can yield better returns. ·         The property market is cyclical, and timing is essential. ·         Strategic planning can help achieve financial goals more effectively. ·         Investors should focus on data-driven decisions rather than emotions. ·         Wealth building requires a long-term vision and strategy.   Chapters  00:10  Why holiday moods lead to bad investment decisions. 05:05  Why holiday towns underperform long-term despite recent spikes. 10:05  Airbnb myths, hidden costs and tax pitfalls investors ignore. 15:05  Volatility, low land value and why holiday homes drag wealth. 20:00  Strategic investing vs lifestyle buying as 2026 market shifts. 24:55  Wealth principles: build assets first, enjoy holidays later.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us   Brett Warren - National Director of Property at Metropole   Michael Yardney   Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Welcome to Freedom In Five Minutes! The brutal truth nobody's talking about: AI won't replace you... but a competitor using it absolutely will. And that gap? It's widening right now in December 2025. In this episode, Kevin from the Pro Sulum team breaks down the latest industry research showing why small and medium-sized businesses are perfectly positioned to dominate with AI—yet most are frozen in analysis paralysis while their competitors race ahead.

In this powerful conversation, real estate entrepreneur and author Garrett Maroon shares his journey from grinding 60-hour weeks to redefining success on his own terms. With five kids at home and a thriving business, Garrett reveals how he doubled down on what truly matters—family, faith, and fulfillment—without sacrificing profitability. This episode challenges the hustle culture narrative and offers a refreshing roadmap for entrepreneurs who want to win at work without losing at life.Episode Topics:Redefining Success Beyond Revenue: Why traditional metrics of success leave entrepreneurs empty and how to create your own scoreboardThe Breakdown That Led to Breakthrough: Garrett's pivotal moment realizing his business was getting in the way of the life he wantedHustle in a Box: How to channel ambition within healthy boundaries instead of letting it consume your lifePlaying to Your Superpowers: Why trying to be good at everything keeps you working more while earning lessThe Ego vs. Family Account: Recognizing which account you're depositing into with every business decisionFaith in Business: Navigating authenticity and showing up as your whole self in an increasingly secular marketplaceAmbition vs. Submission: The tension between dreaming big and surrendering to divine timingInsights:Success should be measured by personal goals like family time and profit targets, not just industry standards for sales volumeWorking within defined boundaries actually increases profitability because it forces you to eliminate unnecessary tasks and delegate effectivelyLike Einstein's fish judged on tree-climbing ability, entrepreneurs often pursue strategies that don't align with their natural strengths, leading to burnoutBuilding a business around your unique superpower allows you to do less work while earning more because you're focusing on your highest-value activitiesAsking "how do I achieve X?" is incomplete—the better question is "how do I achieve X without sacrificing Y?"Faith and identity aren't a backpack you can take on and off—authenticity means showing up as your whole self in every contextBurnout is often a signal that you're operating outside the boundaries of your intended purposeHighlights:00:00 Introduction and Guest Background02:28 Motivation for Writing Book11:22 Defining Personal Scoreboard16:06 Reducing Hustle While Growing25:54 Faith and Authenticity in Business33:40 Purpose, Stewardship, and Contentment38:25 Practices to Hear Guidance43:56 Book Launch and Contact Info45:54 Podcast episode ended Resources:Book: The Balanced Breakthrough: Winning at Work Without Losing at Life by Garrett Maroon (Launches November 25th - Available for pre-order)https://www.simonandschuster.com/books/The-Balanced-Breakthrough/Garrett-Maroon/9781637634752 The Balanced Breakthrough is a call to redefine success by aligning your business with your values, so you can thrive professionally without sacrificing what matters most. Drawing from his experience as a top-producing real estate agent, Garrett Maroon shares the PDA Formula—Predictability, Dollar-Productivity, and Authenticity—to help others build intentional, profitable businesses. The book challenges the industry's toxic scoreboard and guides readers to create their own, measuring success on their own terms. It's a practical and heartfelt roadmap to...

In this episode of the Real Estate Pros podcast, host Erika chats with Kenny Bedwell, a successful investor in the short-term rental market. Kenny shares his journey from a corporate job to real estate investing, emphasizing the importance of diversification and understanding market dynamics. He discusses the creation of his company, STR Insights, which helps investors find viable markets and properties. Kenny also highlights common pitfalls in real estate investment and the significance of enhancing guest experiences to ensure success in the short-term rental business.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Giveaways are an incredibly easy way to grow your email list, expand your audiences, and drive sales. In this episode, we break down our giveaway lead-gen strategy and the results of a recent campaign we ran over the span of a week to add over 5,000 email subscribers for The Quirky Mouse. -=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-► Visit Our Website For Training and Resources ► Leave Us An Honest Rating, Email An Image Of Your Rating To team@theecommercealley.com, We'll Send You A $10 Amazon Gift Card As An Appreciation Gift!► Learn About Our Mentorship Program For Ecom Brands Making Over $10k/month ► Checkout Our Upcoming Software, Breezeway - Never Second-Guess Your Meta Ads Again ► Follow Josh on social media: YouTube | Instagram | Facebook | TikTok |

Too many bar owners rely on guesswork or outdated markup formulas when setting menu prices. They assume as long as it covers the liquor cost, it's profitable. It's not.In this episode, we uncover why pricing based on instinct or competition is silently draining your profits. You'll learn how to factor in waste, spillage, garnishes, and even straws to build real margin. Plus, we'll walk through psychological pricing tactics and how to raise prices without scaring your regulars away.If you've ever wondered why your bar feels busy but the bank account says otherwise, this episode is your fix.What You'll Learn

In this conversation, William Holder shares his journey as a real estate investor, discussing the challenges he faced, the lessons learned, and the strategies he employs to succeed in the industry. He emphasizes the importance of patience, responsible scaling, and building strong partnerships while navigating the complexities of real estate investment.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Today I'm back with Leah Drake of Vibrant Valley Music Studio for part two. In part one we talked about her transition to group lessons through the chaos of COVID and losing her teaching space. It's quite the story! In today's episode we zoom in on her move to a commercial space—and the very real finances behind it. Leah is based in San Jose, so none of this is cheap. She walks us through how she chose square footage with room to grow, why she prioritized a storefront for visibility, and how she financed the whole thing. If you like numbers, this episode will not disappoint. Leah is very transparent about her budget. Here's my conversation with Leah.   A full transcript and resources from this episode can be found at MusicStudioStartup.com/episode171.   MSS Entrepreneurs Hub + Mastermind MSS Studio Launch Grant Competition Music Studio Business Building 101 Business Finance for Music Teachers  

Weekly interview with former State Sen Linthicum:Is OR hiding the real numbers of child sex change procedures? https://www.libertynation.com/is-oregon-fudging-the-numbers-on-child-sex-change-procedures/ The crazy people still want to remove dams: https://www.oregonlive.com/opinion/2025/09/opinion-collaboration-not-litigation-can-support-both-salmon-and-hydropower.html ANTIFA guy posts video of shooting Andy NGO and Charlie Kirk: https://oregoncatalyst.com/90940-portlander-posts-video-shooting-andy-ngo-charlie-kirk.html Charlie's memorial marks the beginning of the end of lukewarm Christianity: https://thefederalist.com/ Trump's vaccine statements shock everybody: https://www.thegatewaypundit.com/2025/09/donald-trumps-vaccine-statements-shock-world/ CNN pollster Enten says Dems in big trouble in midterm elections: https://www.mediaite.com/politics/what-are-you-doing-cnns-enten-warns-democrats-are-in-trouble-ahead-of-the-midterms/?cfp   

Open Bodybuilding Olympian, 3x IFBB Pro Champion, pro podcaster in the IFBBAMA and can be often seen on Bodybuilding & Bollocks on the Real Bodybuilding Podcast.Watch it: https://youtu.be/gPfRK3HoAAYThe Bodybuilding-friendly HRT Clinic - Get professional medical guidance on peptides AND optimizing your health as a man or bodybuilder: [ Pharma Test, IGF1, Tesamorelin, Glutathione, BPC, Semaglutide, Var troche, etc]http://www.transcendcompany.com/nylenaygaRP Hypertrophy Training App: rpstrength.com/nylePlease share this episode if you liked it. To support the podcast, the best cost-free way is to subscribe and please rate the podcast 5* wherever you find your podcasts. Thanks for watching.To be part of any Q&A, follow trensparentpodcast or nylenayga on instagram and watch for Q&A prompts on the story  https://www.instagram.com/trensparentpodcast/Huge Supplements (Protein, Pre, Defend Cycle Support, Utilize GDA, Vital, Astragalus, Citrus Bergamot): https://www.hugesupplements.com/discount/NYLESupport code 'NYLE' 10% off - proceeds go towards upgrading content productionYoungLA Clothes: https://www.youngla.com/discount/nyleCode ‘NYLE' to support the podcastLet's chat about the Podcast:Instagram: https://www.instagram.com/trensparentpodcast/TikTok: https://www.tiktok.com/@transparentpodcastPersonalized Bodybuilding Program:  https://www.nylenaygafitness.comTimestamps:00:00 Intro to James Hollingshead04:40 Early Bodybuilding Journey and Influences09:18 Deep Dive into Nutrition and Longevity19:16 Steroid Use and Its Impact on Career26:14 Mindset and Overcoming Hardships38:00 Health Monitoring and Genetics46:20 Optimizing Training Splits57:46 Balancing Bodybuilding and Mental Health01:07:25 Dealing with Loss and Finding Purpose01:18:56 Favorite Prep Memories01:26:04 Best Peaking Show Memories01:33:27 Truth About Dosages01:45:36 Rep Ranges for Hypertrophy01:51:35 Offseason Strategy: Mass vs Conditioning01:55:24 Fertility While on Cycle01:57:14 Favorite Compounds02:00:02 Appreciating the Whole Physique02:04:23 Views on Lifting Styles02:07:51 Balancing Fatherhood and Bodybuilding02:14:45 Therapy and Travel Insights02:17:56 Final Message to the World

Vocational assessments can shape spousal support and earning-capacity debates. Rhonda and Dan unpack what credible reports look like, how to prepare, and how to challenge numbers that don't match reality. What you'll learn in this episode: ✨ Purpose & scope: Employability, realistic job options, training needs, and reasonable earnings. ✨ Data that matters: Social Security earnings, medical narratives, education, work history, and daily commitments.  ✨ Prep moves: What to bring, how to show up, and how to keep the interview factual and respectful.  ✨ Quality standards: Current labor data, paid databases, and transparent methodology—not a Google job search.  ✨ Retraining reality: Timelines (PT vs. FT), tuition costs, entry pay, and wage progression. ✨ After the report: Red flags to spot and when to seek a second opinion. 

This week I am chatting with yoga trainer, studio owner, and data maven, Gina Ward.Gina ran some data for yoga studio owners, so she could better inform her yoga teacher trainees what the realities of studio ownership are like. Wanna know what the data said? Yeah, I did too. Take a listen find out.KEY TAKEAWAYS:1. Studio profitability isn't guaranteed Profitability means revenue exceeds expenses—but 20% of yoga studios never reach that point. Only 25% are profitable in year one, while 55% take 1–5 years. Most studio owners earn less than people assume.2. What studio owners really earn 52% of yoga studio owners make $12–60K per year, often working 40+ hours a week. Only 12% earn more, while 18% make less than $12K. These numbers show two truths: (1) owners aren't the “big winners” of the yoga industry, and (2) we can't fix money problems we refuse to discuss. 3. Headcount ≠ success For membership-based studios, headcount is often a vanity metric. It looks good on paper but doesn't always reflect real revenue or financial health.4. Pay for prep time Gina compensates teachers for reading emails and prep work—a small but powerful shift that values teachers' time. This should be an industry standard. 5. Rethinking hiring culture Studios often expect teachers to “fit in” socially before being hired. This mindset undervalues professionalism and holds the industry back. Fair, transparent hiring practices are essential for credibility.6. Professionalism vs. friendship In wellness, blurred boundaries between “boss” and “friend” are common. But leaders set the tone: if owners expect professionalism from teachers, they must model it themselvesRESOURCESWorking In Yoga WebsiteWorking In Yoga NewsletterPodcast ShopRegister for the FREE webinarOffering Tree Discount For Working In Yoga Listeners!!Gina's Website

In How to Invest in Real Estate for Retirement: Simple Steps & Real Numbers, we explore how real estate can be a powerful tool to fund your future. Over the past 20 years, real estate has delivered average annual returns of 5.2%, often outperforming bonds and stocks. Meanwhile, REITs (real estate investment trusts) are projected to yield around 9%. This episode breaks down three clear strategies: buy-and-hold rentals for steady long-term cash flow, REITs for hands-off investing with strong returns, and real estate funds or crowdfunding for a low-maintenance, diversified approach. Whether you want to be an active landlord or a completely passive investor, we'll show you how to build wealth, create income, and let your money work for you in retirement. Let's dive in and get your future ready for your retirement. 

We're wrapping up Divorce Summer School with real-world examples from the divorce frontlines. In this episode, Karen and Catherine walk through true-to-life financial case studies to show how preparation, clarity, and the right support can completely transform the divorce experience. You'll hear what went right, what went wrong, and what you can do differently—so you don't become a cautionary tale. What You'll Learn: Why “simple” divorces can still go financially off the rails The cost of emotional decision-making (and how to avoid it) Real examples of how the MDS Financial Portrait™ changes outcomes How one couple saved thousands by getting clarity before hiring professionals The questions that could have saved others months—and tens of thousands of dollars Send us your story or question: wechat@ck11.net. We may share lessons from it in a future episode. Get your Financial Portrait™ started at mydivorcesolution.com Join our community for tools, support, and real-life insights Thank you for joining us for Divorce Summer School! Catch up on all 6 episodes and begin your journey to financial clarity and smart decision-making in divorce. Free Resources: Learn more about your ad choices. Visit megaphone.fm/adchoices

J.C. and Bev Webber's late-starter journey is proof that resilience + innovation can outrun even a Great Financial Crisis. J.C. gives us his real numbers and how he sprinted from a net worth of ~$120k (age 51) to $1.5M (age 57)—only to see it crash to ~$864k in early 2009. But that didn't derail their plans because he and his wife Bev still retired early and hit the road in their RV. You could say they reached FIRE (Financial Independence, Retire Early) before it was hot! In this episode they walk us through all the twists and turns, giving us the excruciating details that you rarely hear about, including: J.C.'s brother-in-law bailing him out of credit-card debt by loaning him money J.C.'s military service and using the GI Bill hack college Ditching dead-end jobs for higher paying tech careers and eventually retiring from Apple Weathering multiple divorces and proving that it doesn't have to ruin your finances The unshakeable confidence in their human capital  Plans to live out their later years in Mexico   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI” - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)  

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment When it comes to tax law changes, even official government summaries can get the details wrong. In this episode, Phil revisits the “Big Beautiful Bill” (BBB) discussion from a few weeks ago with important clarifications and corrections. After discovering that early government summaries included incorrect numbers and unclear explanations, Phil dug deeper using trusted tax research services to get the facts straight. Here's some of what we discuss in this episode:

We ❤️ Case Studies! Nurse practitioner and mom of three, Lisa, opens up and shares what's in her wallet, and her heart. In this episode we dive into her fascinating late-starter story and financials. She was also this year's brave Case Study at the EconoMe conference and revealed all her numbers in front of a live audience to get crowd-sourced feedback in real time. What transpired afterwards was powerful- she quit her day job and handed in her clinical badge to enjoy a sabbatical she had been longing for! With a little help from some Boldin financial modeling and a Nectarine hourly planner, she made the leap and takes us through exactly how she did it.    ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI” - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)  

IFBB Pro Open Bodybuilder, 2023 Chicago Pro Champ, & Olympian, known for his wild proportions & training style.The Bodybuilding-friendly HRT Clinic - Get professional medical guidance on peptides AND optimizing your health as a man or bodybuilder: [ Pharma Test, IGF1, Tesamorelin, Glutathione, BPC, Semaglutide, Var troche, etc]https://transcendcompany.com/patient-intake-form/?ls=Nyle+NaygaRP Hypertrophy Training App: rpstrength.com/nylePlease share this episode if you liked it. To support the podcast, the best cost-free way is to subscribe and please rate the podcast 5* wherever you find your podcasts. Thanks for watching.To be part of any Q&A, follow trensparentpodcast or nylenayga on instagram and watch for Q&A prompts on the story  https://www.instagram.com/trensparentpodcast/Huge Supplements (Protein, Pre, Defend Cycle Support, Utilize GDA, Vital, Astragalus, Citrus Bergamot): https://www.hugesupplements.com/discount/NYLESupport code 'NYLE' 10% off - proceeds go towards upgrading content productionYoungLA Clothes: https://www.youngla.com/discount/nyleCode ‘NYLE' to support the podcastLet's chat about the Podcast:Instagram: https://www.instagram.com/trensparentpodcast/TikTok: https://www.tiktok.com/@transparentpodcastPersonalized Bodybuilding Program:  https://www.nylenaygafitness.comTimestamps:00:00 - Intro02:05 - Pod Setup03:41 - Relationships & Personal Stories05:04 - Dealing with Loss13:20 - Grief and Maintaining Routine16:27 - Navigating Life Transitions21:40 - Contest Prep Updates27:08 - Gut Health Protocol Impact30:59 - Lifelong Gut Issues42:36 - Justin being comparatively small44:35 - Cycles, Training Styles & Genetics50:16 - You are not gonna feel great all the time!54:44 - Eric Janicki & Training to Failure01:03:44 - Journey to Bodybuilding01:08:52 - Longevity in Bodybuilding01:14:25 - Growth Hormone Experiences01:18:34 - Training Style Evolution01:20:09 - Coach Behind Justine & Motivation01:27:03 - Balancing Bodybuilding, Business and Relationships01:32:02 - Being Raised Perfectly01:40:33 - Moderate Dosage Benefits & Being Health Conscious01:47:49 - Consistency in Training01:55:21 - Acne Struggles & Solutions02:04:58 - Obsession vs. Balance in Prep02:09:06 - Peak Week Nutrition02:14:04 - Frenchie vs. Pug Debate02:19:33 - Cannabis Business Role02:24:33 - Delegating in Business02:27:00 - Getting competition lean on burgers02:32:23 - Training Frequency Benefits02:39:55 - Exercise-Specific Training02:43:59 - Back Density Movements02:46:34 - Olympia Stress Disaster02:57:10 - Do What You Love

Curious how nurse entrepreneurs actually pull off a six-figure launch?In this episode, I reveal the behind-the-scenes truth of my first $100K+ launch for the NursePreneur Academy in April 2025 — and it wasn't all smooth sailing.Forget the Instagram highlight reel. You'll hear exactly what went down:

What if the secret to more leads wasn't just more ads, but the way your message shows up everywhere?Welcome to Gym Marketing Made Simple—where marketing meets clarity, and client growth is finally within reach. This show is your go-to resource for making smart, straightforward moves to grow your gym and increase revenue without getting lost in complex tactics.Episode Highlights:In this episode, David Rubin, owner of Courage Fitness in Durham, NC, shares how his gym went from 30 organic leads a month to over 80 and how pairing paid ads with a clear, consistent message helped drive over $83,000 in monthly revenue. He discusses the halo effect of advertising, the importance of message alignment across all platforms, and how gym owners can utilize both automation and a human touch to nurture leads effectively.Key Insights:Paid ads don't just bring in paid leads—they also boost organic traffic when done right.A consistent message across your website, social media, and ads builds trust and improves conversions.The halo effect of ads enhances brand awareness and amplifies its impact across all channels.Automation is helpful, but keeping it personal is what makes clients feel seen.A high barrier to entry (like personal training) can attract better-quality leads.Manual tracking gives clearer insights into the sales journey.A diversified marketing strategy is more sustainable than relying on one source.Long-term gains often come from short-term patience and consistency.Episode Chapters:00:00 Intro01:40 Dave Rubin's Client Experience and Success.05:04 The Halo Effect and Marketing Strategy.23:15 Lead Nurturing and Sales Process.23:46 The Role of Technology and Personal Touch.28:33 Advice for Gym Owners on Paid Marketing.If this episode has helped spark new ideas for your gym's growth, please share it with someone who needs it, or join the conversation with us. Marketing doesn't have to be overwhelming when you're not doing it alone.Thanks for tuning in to Gym Marketing Made Simple. We're grateful to have you here. Make sure to catch the next episode—we're just getting started.

In this episode of Mountain Real Estate, Candice De and Amy Nakos dive into what it really costs to own a property in Summit County, Colorado—specifically a two-bedroom, three-bath condo in Keystone. They break down four financial scenarios using cash or a loan, with and without a property manager. You'll hear about monthly costs, rental income projections, tax benefits, and long-term appreciation potential. Whether you're buying for lifestyle, investment, or both, this episode gives you a clear picture of real numbers in today's mountain market.

In this eye-opening episode of American Potential, host David From sits down with David McNeilly, a financial advisor from Michigan, who shares how the Tax Cuts and Jobs Act (TCJA) has had a measurable, personal impact—not just on his clients, but on his own family's financial freedom. With a background in ministry and a passion for helping others, McNeilly now helps middle-class families navigate retirement planning, tax strategy, and long-term financial goals. But when he crunched the numbers comparing his 2023 tax bill under current rates versus pre-TCJA levels, the result shocked him: a $4,700 difference in annual tax savings—enough to take his family on a Disney cruise. McNeilly walks listeners through how policies from Washington shape real lives, sharing stories of clients who have retired early, sent their kids to private school, or bought long-dreamed-of lake houses—opportunities made possible by smart planning and a more favorable tax environment. He also explains how he's preparing clients for the potential expiration of TCJA, and why higher taxes could force middle-class families to rethink their futures. If you want a clear, data-driven perspective on how federal tax policy affects everyday Americans—not the wealthy, but the working families—this episode delivers it straight from the source.

A consistent message from farm groups nationwide is that labor is a No. 1 issue in the agricultural economy. Jeremy Foltz is a professor of agricultural and applied economics at UW-Madison. He’s currently gathering data on what the farm workforce looks like on dairy farms across the state. It’s research done through the UW Dairy Innovation Hub. He paints the picture for us on what the survey results have shown so far, and he agrees lack of farm labor is a problem.See omnystudio.com/listener for privacy information.

In this roundtable conversation, Todd Langford, Denzel Rodriguez, Daniel Rondberg, and Caleb Guilliams walk through every variable — interest rates, compounding, cash flow, risk, flexibility, and even tax deductions for velocity banking. Does this concept actually work to pay off mortgages faster or is it a wash? Check out everyones channel: Todd Langford: https://www.youtube.com/@TruthConcepts Denzel Rodriguez: https://www.youtube.com/@DenzelNapoleonRodriguez Daniel Rondberg: https://www.youtube.com/@DanielRondberg 00:00 Understanding Mortgage Payoff Strategies02:34 The Role of Velocity Banking05:20 Comparing HELOC and Traditional Mortgages07:55 Cash Flow and Interest Rates10:34 Analyzing Interest Savings with HELOC12:30 Income and Expense Management14:46 The Impact of Accelerated Payments17:57 Tax Implications of Mortgage Payments20:24 Final Thoughts on Mortgage Strategies25:20 Understanding Interest Rates and Mortgage Strategies31:32 The Impact of Debt on Financial Decisions35:04 Comparing Payment Strategies: HELOC vs Traditional Payments43:59 Evaluating the Role of Time Value of Money50:43 Entrepreneurial Perspectives on Debt Management58:14 The Emotional Weight of Debt59:15 Understanding Debt vs. Cash Flow01:00:38 The Debate on HELOC vs. Savings01:02:28 Velocity Banking Explained01:04:46 Cultural Perspectives on Debt01:06:37 The Role of Emotion in Financial Decisions01:08:31 Comparative Rates and Financial Strategies01:11:19 Risk-Adjusted Returns and Financial Planning01:14:01 The Importance of Rate in Financial Decisions01:18:22 Final Thoughts on Financial StrategiesDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Are you tracking your spending—or just hoping it all works out? In this episode of The Grow Your Wealthy Mindset, I share how tracking your expenses can empower you to make intentional decisions, without the restrictions of a traditional "budget." I explain the difference between a spending plan and a budget, why I prefer the former, and exactly how my household tracks spending down to the category—from groceries and entertainment to travel and household maintenance.To kick off the 4th season of The Grow Your Wealthy Mindset Podcast, I'm embracing being open when talking about money. I also break down our real numbers from July 2023 to June 2024, so you can see how a personalized spending plan actually works in practice. I offer insights into tools, tracking systems, and the mindset shifts that can help you take control of your financial life.If you've ever felt overwhelmed by the idea of budgeting or confused about how much you should be spending, this episode will help demystify the process—and show you how tracking your spending can give you clarity, not constraint.What You'll Learn in This Episode: ·        The difference between a budget and a spending plan·        Why awareness (not restriction) is the key to financial control·        How we track expenses using spreadsheets—and why that works for us·        A full breakdown of our actual household spending (including groceries, entertainment, utilities, travel, and more)·        What it means to "pay yourself first" and how we invest 25%+ of our gross income·        How to adjust your spending plan as life and priorities change·        Tools and apps you can consider to help track your spending Consider checking out  Episode 25: Tools to Help Track Your Net Worth and Spending (Nov 16, 2022) Connect With Me:If you're ready to get clarity around your money, feel confident managing your finances, and design a spending plan that supports your goals, I'm here to help. I work with physicians and high-income professionals 1:1 to build financial literacy, heal money shame, and create intentional wealth. 

In this week's MBA Admissions podcast we began by discussing the recent events and activities that Clear Admit has been involved in, including our MBA Fair in Boston, and online admissions events series that wrapped up last week. More than 600 attendees participated in our most recent virtual event, which included admissions representatives from UPenn / Wharton, Stanford, Texas / McCombs, Columbia and Yale SOM. Graham noted two articles that have been recently published on Clear Admit. The first focuses on the different teaching methods that are used in top MBA programs. The second focuses on financial aid issues relevant to U.S.-based candidates, including FAFSA (Free Application for Federal Student Aid). Graham then highlighted two Real Numbers articles that focus on Consumer-Packaged Goods (CPG) and Health Care placements. Graham highlighted five Real Humans alumni spotlights, alums from Yale SOM working at Amazon, IMD working at Disney, Cornell / Johnson working at Invenergy, UPenn / Wharton working at Aepnus Technology, and Chicago / Booth working at American Express. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate has a 695 GMAT and 3.8 GPA. They are seeking a top MBA with goals to pivot to the entertainment industry. This week's second MBA candidate has not yet taken the GMAT, but everything else about their profile looks very strong. Their long-term goal is to develop a chain of dental practices. The final MBA candidate is deciding between Northwestern / Kellogg, with a significant scholarship, and Harvard. They want to work in venture capital or private equity. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

In this tactical episode of Rethink Real Estate, Ben Brady picks up where we left off in our last practical session — diving deep into the questions that actually matter in weekly client meetings. While the last episode unpacked the format of weekly updates and reports, this one is about the substance: how to ask better questions that lead to clearer price feedback, sharper seller education, and more realistic expectations.Ben breaks down word-for-word the kinds of follow-up calls and price feedback conversations agents need to master — whether speaking to buyers, sellers, or other agents. You'll learn how to handle vague responses like “it's priced right” and how to push the dialogue just enough to get real, usable information. Because when a buyer won't write an offer, that tells you just as much as when they do.Whether it's uncovering if someone would still say no at $1.3M or showing how weekly price conversations are your insurance policy against missed expectations, this episode is about asking the uncomfortable questions that lead to clarity, confidence, and better outcomes for sellers.Timestamps & Key Topics:[00:00:00] - Welcome: Why Better Questions Make Better Weekly Reports[00:01:17] - The Insurance Policy Analogy for Seller Education[00:02:53] - Why “It's Priced Right” Isn't Feedback[00:04:00] - Word-for-Word Buyer Follow-Up Script[00:06:12] - Why Open Houses Are More Valuable Than You Think[00:07:49] - Shifting From Surface-Level Feedback to Real Numbers[00:09:32] - Educating Sellers Doesn't Block High Offers — It Prepares Them[00:11:03] - How to Push for Honest Agent Feedback Without Being Pushy

This week's Suburban Underground has a set of virtual love songs.  In this show you will hear the artists: The First Time, Frankie Rose, Guster, The A's, Adam & The Ants, The Real Numbers, The Hives, Pixies, Rubblebucket, Cheap Trick, Martha And The Muffins, The Charlatans, Yaz, Frank Black, The Drams, The Sundays. AI-free since 2016! On the Air on Bedford 105.1 FM Radio      *** 5pm Friday ***      *** 10am Sunday ***      *** 8pm Monday *** Stream live at http://209.95.50.189:8178/stream Stream on-demand most recent episodes at https://wbnh1051.podbean.com/category/suburban-underground/ And available on demand on your favorite podcast app! Facebook: SuburbanUndergroundRadio   ***    Instagram: SuburbanUnderground   ***    #newwave #altrock #alternativerock #punkrock #indierock

In this week's MBA Admissions podcast we began by discussing the Round 3 activity on LiveWire; interview invites and final decisions continue to roll out for this shortened application cycle; next week Emory / Goizueta, Berkeley / Haas and Duke / Fuqua are scheduled to release final decisions. Graham noted a new Clear Admit survey, where we are trying to understand the issues and concerns that international students may have, with regards to coming to the United States for an MBA. The survey link is here: https://bit.ly/mba25usa Graham highlighted Clear Admit's Application Overview May series of events that begin this week on Tuesday and Wednesday. Tuesday's event includes Dartmouth / Tuck, Duke / Fuqua, INSEAD, London Business School and Michigan / Ross. The remainder of events in this series will be hosted on May 20 and 21. Signups are here: https://bit.ly/appoverview25 Sandwiched in the middle of this series is Clear Admit's MBA admissions fair in Boston, on May 14th. This event includes panel discussions, one of which is focused on Consulting hiring and is led by Bain. Twenty-four of the top 25 U.S.-based MBA programs are planning to attend, along with London Business School. Signups for this event are here: https://bit.ly/mbafair2025 Graham noted three articles recently published on Clear Admit. The first details the best laptops for MBAs as they plan to begin their program. The second article is part of Clear Admit's Real Numbers series and looks at the percentage of MBA students who go into Consulting after business school. The final article is a deep-dive research piece that examines placement statistics of the top US MBA programs, by geography. This helps us understand the regional nature of many of the leading MBA programs. Graham highlighted five Real Humans alumni spotlights, alums from Michigan / Ross working at PepsiCo, Emory / Goizueta working at Accenture, IESE working at BCG, Irvine / Merage working at Disney, and Columbia working at their own company, Small Bear. Finally, Graham discussed a recently published podcast episode about careers and impressive growth at SMU Cox with Shelly Heinrich. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate has a 695 GMAT score and a strong GPA. They are working in Australia and received their undergraduate degree from New Zealand. This week's second MBA candidate is from India and has 8 years of work experience. They are targeting a 330 on the GRE and have extensive experience building online communities. The final MBA candidate is deciding between Chicago / Booth and Berkeley / Haas. They are seeking a career in tech. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!---

Today, we're discussing the tragic murder of Austin Metcalf — a case that's not just heartbreaking but deeply revealing of a larger cultural crisis we need to address head-on. I'll be sharing my raw thoughts on what happened, and more importantly, having the uncomfortable (but necessary) conversation surrounding crime statistics in the black community.If we're ever going to see real change — fewer senseless killings, safer neighborhoods, and stronger families — then we have to stop tiptoeing around the truth. It's time to talk about why these patterns keep repeating and what cultural shifts must happen to break the toxic and deadly cycle.This isn't about hate — it's about accountability, truth, and the fight for life, stability, and genuine justice.—https://policecoffee.com/?gad_source=1&gbraid=0AAAAACG7qmLTSF8TidU6uJpGkHMYzxsnd&gclid=Cj0KCQjwqcO_BhDaARIsACz62vPh4GA_6w_PdX8w4PW0sRhPD76KOyhYBmiEOdpiLXHP1G10c9kaPMEaAkK-EALw_wcB

In this week's MBA Admissions podcast we began by discussing Round 2 activity on LiveWire; CMU / Tepper was among the top MBA programs releasing Round 2 decisions last week. For this upcoming week, Rice / Jones, UVA / Darden, Emory / Goizueta, Dartmouth / Tuck, Duke / Fuqua, Michigan / Ross, Vanderbilt / Owen, Notre Dame / Mendoza, Georgia / Terry and Indiana / Kelley are releasing their Round 2 decisions. Minnesota / Carlson is releasing their Round 3 decisions. Graham noted that Clear Admit now has several admissions-related events for the month of May; this includes the 2025 MBA Fair Clear Admit is hosting in Boston, on May 14th. Twenty-four of the top U.S.-based MBA programs are planning to attend. Signups for this event are here: https://bit.ly/mbafair2025 Graham mentioned two recently published articles by Clear Admit that focus on leading MBA programs' efforts to support students who are focused on sustainability and social impact, both really important fields in the world in which we now live. Graham then highlighted a Real Humans alumni spotlight on an HBS alumni who is now working at American Express. He notes the real value of all the case studies he was exposed to during his MBA. Graham also highlighted two Real Numbers features, that focus on average GMAT scores for European MBA programs, and average GRE scores for U.S.-based MBA programs. Graham then mentioned the publication of an admissions tip that focuses on Welcome Weekend events that top MBA programs host, once they have released their Round 2 decisions. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate is a military veteran who is looking to transition from the military after 20 years of service. This led us to discuss which is the right format of MBA to pursue. This week's second MBA candidate is still in college and is applying via the deferred admissions process. They have outstanding credentials, despite their 48th percentile in the verbal reasoning section of the GMAT. The final MBA candidate is deciding between Duke / Fuqua and Indiana / Kelley. They have a Forte Fellowship and are pursuing an MBA in health care. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

In this week's MBA Admissions podcast we began by discussing Round 2 activity on LiveWire; a few MBA programs are still releasing a few interview invites, but we are getting closer to the end of the Round 2 cycle; CMU / Tepper, Johns Hopkins / Carey and Ohio State / Fisher are scheduled to release final decisions for R2 candidates this upcoming week. Graham highlighted the MBA Fair Clear Admit is hosting in Boston, on May 14th. Twenty-four of the top 25 U.S.-based MBA programs are planning to attend. Signups are here: https://bit.ly/mbafair2025 Graham then mentioned the publication of an admissions tip that focuses on strategies for those on a waitlist. Graham then discussed a new Real Humans piece that focuses on students at Harvard Business School. Graham also highlighted two Real Numbers features, that focus on average GMAT scores at leading b-schools and the percentage of international students in MBA programs. We then discussed the Class of 2024 career report released by Texas / McCombs. They did see an uptick in recruiting for tech-related jobs, which bucked a trend we are seeing with other top MBA programs. This may be a function of another recent trend - tech firms moving to Texas. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate is applying next season, and had experience in the military in special operations, as well as more recent role as a financial advisor. They have a total of 13 years of experience, but we worry their current GRE score of 315 is a little low. This week's second MBA candidate applied in Round 2, is from India and works in the tech space. Despite being potentially over-represented, they have received several invitations to interview, including from Stanford. The final MBA candidate is deciding between Northwestern / Kellogg, with a scholarship, and UPenn / Wharton. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

In this week's MBA Admissions podcast we began by discussing Round 2 activity on LiveWire; UPenn / Wharton and MIT / Sloan released their interview invites last week; Washington / Olin, Georgia Tech / Scheller, SMU / Cox and Oxford / Said are scheduled to release final decisions this upcoming week. We then discussed the “user behavior” of Ask Clear Admit, Clear Admit's new AI chatbot. The bot has received nearly 1,500 prompts since its launch. Graham then highlighted the webinar series for Master's in Management candidates; the final webinar in this series is on Wednesday, and features Chicago / Booth, Emory / Goizueta, Indiana / Kelley, Duke / Fuqua and London Business School. Signups are here: https://bit.ly/mim0225 Graham noted the continuation of Clear Admit's articles about great podcast, where we place the spotlight on podcasts from the leading MBA programs. This final spotlight features podcasts from leading business schools in Europe. We then had an animated discussion on the recently published Financial Times 2025 global MBA rankings. One key point we made is that a ranking of top MBA programs really does need to include Stanford... Graham then mentioned the publication of two admissions tips that focus background checks and applying to MBA programs as a couple, as well as two Adcom Q&As, from INSEAD and Babson / Olin. Finally, Graham highlighted a Real Numbers feature on US minority representation at top MBA programs, and a recently recorded podcast episode featuring the GM of the Philadelphia Phillies, who is doing an Executive MBA at Wharton. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate is planning ahead but needs to retake the GRE (score of 292) and also consider taking additional coursework to counter their 3.0 GPA. This week's second MBA candidate is also planning ahead in terms of their applications, is a first-generation college graduate, who appears to have a strong career and activities record. They will also need to perform well on the standardized test. The final MBA candidate is deciding between USC / Marshall, Texas / McCombs and Washington / Foster, with very similar scholarship offers. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

Are you focusing on the wrong numbers in your real estate business? GCI and sales volume don't tell the whole story.In this episode of Life at Ten Tenths, Matt and Garrett get into the REAL numbers that put money in your pocket—the ones that determine your profitability, business health, and financial freedom.Learn to: ✅ Shift your focus from GCI to net profit (and why it matters)✅ Identify the hidden costs eating into your bottom line✅ Track the right financial metrics to make smarter business decisions✅ Build a business that fuels your life—not just your egoStop chasing the illusion of volume—start maximizing your take-home profit.

In this week's MBA Admissions podcast we began by discussing Round 2 activity on LiveWire; interview invites continue to roll out for Round 2 candidates; last week, Chicago / Booth, Columbia, and Michigan / Ross released interview invites, along with those programs which trickle out invitations across several weeks (e.g. Stanford, Yale, et al). This week, INSEAD is scheduled to release their Round 3 interview invites. Graham highlighted the second webinar for Deferred Admissions candidates, scheduled on Wednesday, which includes CMU / Tepper, Chicago / Booth, Columbia, Yale SOM and UVA / Darden. Signups are here: https://bit.ly/de0225 Graham then mentioned the upcoming webinar series for Masters in Management candidates, taking place later this month, with signups here: https://bit.ly/mim0225 Graham mentioned several MBA news stories: London Business School is launching a Smart EMBA, which takes a blended learning approach. Clear Admit published two podcast-related posts; the first focuses on podcasts from some of the top-16 MBA programs, and the second looks at UPenn / Wharton's Ripple Effect podcast. Finally, Clear Admit also published a story regarding Duke / Fuqua students doing a career trek in Silicon Valley. Graham then highlighted two admissions tips. The first focuses on the versatility of the MBA, the second looks at questions a candidate might want to prepare, ahead of their MBA interview. Clear Admit's Real Numbers series is now back; the first two articles in this series focus on class sizes across the top US MBA programs, and the yearly cost of attendance at American b-schools. Finally, we discussed one more MBA Class of 2024 career report from Berkeley / Haas. Their career statistics follow similar patterns we have identified with prior career reports that we have published this season. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate is applying through the deferred admissions process, so is still an undergraduate student. They have a 3.9 GPA and a 730 GMAT score. This week's second MBA candidate is planning to apply either next season, or the season after. They have a 3.2 GPA, with a positive upward trend. They have a 322 GRE, which we think they might want to retake. They are also still determining between post-MBA goals in finance or consulting. The final MBA candidate is deciding between Dartmouth / Tuck and Berkeley / Haas, and they are seeking a short-term goal in private equity. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

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Most people buy term insurance expecting to outlive it - and that's exactly what the insurance companies are counting on. In this eye-opening episode, we take a critical look at one of the most widely promoted financial strategies: "Buy term and invest the difference." What seems like sound advice on the surface reveals itself to be fundamentally flawed when examined through the lens of actual financial outcomes and human behavior. Through practical examples and real-world scenarios, the discussion illuminates why this strategy fails most people who attempt it. Using analogies from other types of insurance and diving deep into actuarial science, we explore why term insurance is designed to expire before most people die, and why this matters for your long-term financial planning. The conversation culminates in presenting a more effective alternative - "create an estate and invest the difference" - while explaining how convertible term insurance can bridge the gap between human life value and affordable coverage. This comprehensive approach ensures lasting protection while building living benefits through properly structured whole-life insurance. Understanding Term Insurance Reality: A deep dive into why term insurance is the most profitable product for insurance companies, with only about 1% of policies ever paying out. The discussion reveals how term insurance is designed to expire before most people die, leaving policyholders with nothing to show for years of premiums. The Economics of Insurance Pricing: Using practical car insurance analogies to illustrate why whole life insurance costs more than term - it's guaranteed to pay out, unlike term insurance which most people outlive. The conversation explores how actuarial science and mortality tables influence insurance pricing. Smart Use of Convertible Term: A detailed explanation of how convertible term insurance can bridge the gap between human life value and affordable coverage, allowing policyholders to maintain insurability and gradually convert to permanent coverage as their income grows. A Better Alternative Approach: Introduction to a more effective strategy: "Create an estate and invest the difference." This approach ensures lasting protection while building living benefits through properly structured whole-life insurance. ▶️ Chapters:  00:00 - Introduction and Previous Episode Discussion 03:00 -  Criticizing "Buy Term Invest the Difference" 14:00 - Term vs. Whole Life Insurance Comparison 25:00 - Understanding Convertible Term Insurance 37:00 - Real Numbers and Practical Examples 45:00 - Final Thoughts on Financial Legacy Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance  Don't forget to hit LIKE and SUBSCRIBE

Do you know how much you actually spend on clothes? Today, in episode 66 of the Signature Style Systems podcast, I'm sharing my own real numbers from 2024! When you know what works for you, you can be strategic about buying exactly the right pieces, no matter what kind of budget you have.  Grab the workbook: The Wardrobe Pyramid and discover what clothes you really need for your lifestyle.   Let's connect! Download the free guide: Discover Your Essential Aesthetic. Take the style personality quiz: What's Your Style Personality? Take the quiz here! Are you a DIYer? Grab the workbook: The Wardrobe Pyramid and discover what clothes you really need for your lifestyle. Want to learn more about how to discover your Style DNA? Visit my website. To suggest a podcast topic, send email to hello@signaturestylesystems.com.      

Pags Reveals the Real Numbers of How Many at the Border Are Tied to Violent Gangs. Plus, Marc Lotter Joins to Discuss Trump's Positive Poll Numbers and Call Out ‘Border Czar' Harris for Her Border Failures!

Out on the Campaign Trail for Kamala, Obama Takes Credit for Trump's Economic Success—Pags Breaks Down the Truth and Brings the Real Numbers to Light!