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John 14:31 The post Identification Required appeared first on Calvary Chapel Chino Hills.
Godwin trusts his friend—and dog trainer—Curly to handle a minor “procedure." Watching the chaos inspires Uncle Si to relive one of his most agonizing Duck Commander moments and the pocketknife surgery he performed on himself afterward. Martin is stunned when Si casually reveals he ranked in the top five percent of the Army in his field, and John-David shares a retail insider lesson on the real reason prices always end in .99. Duck Call Room episode #534 is sponsored by: https://tecovas.com/duck — Get 10% off when you sign up for email and texts. https://rocketmoney.com/duck — Let Rocket Money help you reach your financial goals faster! https://trybeef.com/duck — Get 10% off your first TriTails box straight from their ranch to your door. https://timtebow.com/tree-duck/ — Get your copy of If the Tree Could Speak by Tim Tebow on Amazon today! - Learn more about your ad choices. Visit megaphone.fm/adchoices
Does the Christian catechism require loyalty to Benjamin Netanyahu? Apparently it does, as Carrie Prejean Boller learned the hard way. (00:00) Trump's Religious Liberty Commission (14:53) Who Is Paula White? (30:01) What Is Replacement Theology? (32:13) Was Carrie's Ousting in Preparation for the Iran War? (43:18) Carrie's Strange Meeting With Dan Patrick and Paula White (52:01) What Happened in the Hearing? (1:17:12) Carrie's Feud With Seth Dillon Carrie Prejean Boller has been boldly standing for truth since 2009. Almost 20 years later here she is, the same girl, still standing. More bold than ever. Unwilling to compromise her Christian beliefs for a temporal position, even one appointed by the President of the United States. IG: @carrieprejeanboller X: @carrieprejean1 Paid partnerships with: VanMan: Use code TUCKER for 15% off your first order at http://vanman.shop/tucker Charity Mobile: A pro-life company serving pro-life customers and supporting pro-life causes for 30 years. Use promo code TUCKER to get a free phone with free activation, free shipping, and a free gift with every new line of service at https://charitymobile.com/Tucker Cozy Earth: Luxury shouldn't be out of reach. Get up to 20% off at https://cozyearth.com/TUCKER Defend: Enter code "Tucker" for 20% off your purchase at https://defendcellcam.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Jonny Drury and Lewis Cox bring you the latest episode of the Baggies Broadcast - in association with Sandwell College. The mood is certainly better since the last podcast - with two improved displays against Sheffield United and Southampton. But - they only picked up two points and the boys talk about the need for wins. They look at system chances, James Morrison's impact and whether Albion can survive after the positives to come from this week.
In this episode of the ASC Podcast with John Goehle, we discuss the latest news and information, review the regulatory impact over the past year on ASCs, discuss required Department of Transportation Training related to Regulated Medical Waste and in our focus segment, continue our Accreditation Organization Series with an interview with Noel Adachi, Chief Executive Officer for the Accreditation Association for Ambulatory Health Care (AAAHC). This episode is sponsored by Surgical Information Systems, RFX Solutions, Medserve and Ambulatory Healthcare Strategies. Notes and Resources from this Episode: Beckers ASC Review 10 Biggest Disruptions to ASC's https://www.beckersasc.com/asc-news/the-10-biggest-disruptions-to-ascs-to-prepare-for-in-2026/?origin=ASCE&utm_source=ASCE&utm_medium=email&utm_content=newsletter&oly_enc_id=5567B4088734C3Z From Beckers ASC Review - The ASC Policy Whiplash https://www.beckersasc.com/asc-coding-billing-and-collections/the-asc-policy-whiplash/?origin=ASCE&utm_source=ASCE&utm_medium=email&utm_content=newsletter&oly_enc_id=5567B4088734C3Z The Accreditation Association for Ambulatory Healthcare (AAAHC) https://www.aaahc.org/ Announcing our upcoming Bootcamps! Director of Nursing Bootcamp April 7-10 Administrator's bootcamp - May 26-29 For More Information, go to: https://conferences.asc-central.com/bootcamps/ INFORMATION ABOUT THE ASC PODCAST WITH JOHN GOEHLE ASC Central, a sister site to http://ascpodcast.com provides a link to all of our bootcamps, educational programs and membership programs! https://conferences.asc-central.com/ Join one of our Membership Programs! Our Patron Program: Patron Members of the ASC Podcast with John Goehle have access to ASC Central - an exclusive membership website that provides a one-stop ASC Regulatory and Accreditation Compliance, Operations and Financial Management resource for busy Administrators, nurse managers and business office managers. More information and Become Member The ASC-Central Premium Access Program A Premium Resource for Ambulatory Surgery Centers including access to bootcamps, education programs and private sessions More Information and Become a Premium Access Program Members Today! Important Resources for ASCs: Conditions for Coverage: https://www.ecfr.gov/cgi-bin/text-idx?c=ecfr&rgn=div5&view=text&node=42:3.0.1.1.3&idno=42#se42.3.416_150 Infection Control Survey Tool (Used by Surveyors for Infection Control) https://www.cms.gov/Regulations-and-Guidance/Guidance/Manuals/downloads/som107_exhibit_351.pdf Updated Guidance for Ambulatory Surgical Centers - Appendix L of the State Operations Manual (SOM) https://www.cms.gov/Regulations-and-Guidance/Guidance/Manuals/downloads/som107ap_l_ambulatory.pdf https://www.cms.gov/medicareprovider-enrollment-and-certificationsurveycertificationgeninfopolicy-and-memos-states-and/updated-guidance-ambulatory-surgical-centers-appendix-l-state-operations-manual-som Policy & Memos to States and Regions CMS Quality Safety & Oversight memoranda, guidance, clarifications and instructions to State Survey Agencies and CMS Regional Offices. https://www.cms.gov/Medicare/Provider-Enrollment-and-Certification/SurveyCertificationGenInfo/Policy-and-Memos-to-States-and-Regions Other Resources from the ASC Podcast with John Goehle: Visit the ASC Podcast with John Goehle Website Books by John Goehle Get a copy of John's most popular book - The Survey Guide - A Guide to the CMS Conditions for Coverage & Interpretive Guidelines for Ambulatory Surgery Centers
Significant changes to Indiana law governing community association assessment collections take effect July 1, 2026. In this episode, KSN attorney Kelly Elmore explains how HB1152 and HB1115 will impact collection procedures, enforcement options, and policy considerations for associations. She also discusses the steps boards and community managers should take now to update procedures, review governing documents, and avoid delays or reduced recovery options once the new law takes effect. Advance planning is critical to maintain enforcement leverage and minimize potential financial consequences.
Today, on Notable Leaders' Radio, I speak with Elizabeth Haggerty, EVP Customer Solutions, America's Division, CRH. She highlights how navigating life's and career pivots, unexpected business challenges, and a life-changing health diagnosis led her to discover untapped reserves of courage and resilience, offering real-life strategies to thrive through uncertainty and continual growth. In today's episode, we discuss: Adopt the "one foot in, one foot out" approach. When considering a new role or industry, bring core skills you already have while stretching into new territory, so you're growing without completely untethering yourself. Let your setbacks refine, not define, you. When a business is sold, or a role ends abruptly, even through being fired, treat it as a painful but powerful pivot point, not a verdict on your worth or future potential. Integrate joy and self-care into your life. Make space for passions, hobbies, and relationships outside of work. These experiences not only enhance your overall well-being but also give you energy and perspective to face professional challenges with renewed spirit. Redefine your identity beyond job titles. Reflect on how external achievements and positions have shaped your sense of self. Shift your focus from titles to your skill sets, values, and unique contributions. This empowers you to navigate transitions and derive fulfillment from multiple aspects of life. Release the need to do everything alone. Accept that asking for help is a sign of wisdom, not weakness. Rely on your team's expertise and focus on asking insightful questions. This collaborative approach strengthens outcomes and develops your leadership. Guest Bio: Elizabeth Haggerty is a high-impact executive with over a 35-year history of driving growth and profitability in the building products industry. Starting in the HVAC industry leading global product and channel P&Ls before transitioning to the industrial material products space where she has led large P&L businesses and key customer growth strategies. Liz has experience in green fielding businesses as well as leading turn arounds and corporate carve-outs. All of this done through building and developing high performing teams and investing in leadership development. She has a bachelor's and master's degree in metallurgical engineering and an MBA. Elizabeth has been recognized by: Glass Magazine as one of the industry's Most Influential People, Engineered Systems Magazine as 20 Women to Watch HVAC and by Industry Week for women in manufacturing. She was also recognized by the Manufacturing Institute a Women in Manufacturing Step Ahead Honoree in 2021. Website/Social Links LinkedIn: https://www.linkedin.com/in/elizabeth-haggerty-81885115/ Belinda's Bio: Belinda is a sought-after Leadership Advisor, Coach, Consultant and Keynote speaker and a leading authority in guiding global executives, professionals and small business owners to become today's highly respected leaders. As the Founder of BelindaPruyne.com, Belinda works with such organizations as IBM, Booz Allen Hamilton, BBDO, The BAM Connection, Hilton, Leidos, Yale School of Medicine, Landis, and the Discovery Channel. Most recently, she redesigned two global internal advertising agencies for Cella, a leader in creative staffing and consulting. She is a founding C-suite and executive management coach for Chief, the fastest-growing executive women's network. Since 2020, Belinda has delivered more than 72 interviews with top-level executives and business leaders who share their inner journey to success; letting you know the truth of what it took to achieve their success in her Notable Leaders Radio podcast. She gained a wealth of expertise in the client services industry as Executive Vice President, Global Director of Creative Management at Grey Advertising, managing 500 people around the globe. With over 20+ years of leadership development experience, she brings industry-wide recognition to the executives and companies she works with. Whether a startup, turnaround, acquisition, or global corporation, executives and companies continue to turn to Pruyne for strategic and impactful solutions in a rapidly shifting economy and marketplace. Website: Belindapruyne.com Email Address: hello@belindapruyne.com LinkedIn: https://www.linkedin.com/in/belindapruyne Facebook: https://www.facebook.com/NotableLeadersNetwork.BelindaPruyne/ Twitter: https://twitter.com/belindapruyne?lang=en Instagram: https://www.instagram.com/belindapruyne/
Carol Zizzo the CEO of Henley Leadership Group, a premier strategic consultancy dedicated to transforming mid-market and enterprise organizations from the inside out joins Enterprise … Read more The post The New Executive Skill Set Required for 2026 and Beyond appeared first on Top Entrepreneurs Podcast | Enterprise Podcast Network.
Listen LIVE weekdays 9am-10am EST on Turf's Up Radio.
Also: should you feel guilty if you don't read books? This episode originally aired on August 15th, 2021. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What if journaling isn't the right doorway for you, but your body still needs a way to release what it's holding? In this episode, we explore a simple 90-second voice memo practice that lets emotions move without needing to be written down, analyzed, or saved. We talk about how speaking engages the nervous system, supports emotional discharge, and creates safety through impermanence. Together, we're practicing how to let feelings rise, pass, and gently return us to the present moment.Links + Resources from this episode:Join the Restorative Grief CommunityBecome a PatronSubscribe to the Restorative Grief NewsletterWork with Mandy
Should Cursive Be Required in Schools? by Jimmy and Alfonso by 826 Valencia
One of the Biblical principles that we need if we are to lead like Jesus is humility. It is a part of God's plan for our life. Humility dictates what we say and do and will turn us into a leader that other want to follow. In order to be a strong leader, we must have humility. Interesting, huh? You probably don't list that as one of the elements of strong leadership – but without humility – you will not lead with lasting impact. John Maxwell defines humility this way... HUMILITY - "not thinking less of yourself, but thinking of yourself less". It's time to do a little introspection and take the steps necessary to have the humility required to lead like Jesus. It will take intention and practice in order to exalt Jesus and submit to become a leader who leads like Him. Invitation: If you are a Christian woman who wants to lead with clarity, confidence, and biblical alignment, I invite you to sign up for the Confident Leader Workshop, a 3 session experience designed to help women lead intentionally and stay rooted in God's plan. Click here to sign up. Your Next Step If this episode resonates and you're craving deeper clarity, confidence, and intentional growth, I would love to walk alongside you.
Tait Duryea and Ryan Gibson break down one of the most important retirement decisions pilots face: Traditional vs. Roth IRAs. They explain how taxes impact withdrawals, why required minimum distributions matter, and how poor planning could leave your kids with a massive tax bill. The conversation also explores advanced strategies like Roth conversions, self-directed IRAs, and “Roth chunking” during low-income years. If you want to build wealth through real estate while protecting your retirement from unnecessary taxes, this episode offers practical frameworks to help pilots think long-term about their portfolio, income streams, and legacy planning.Show notes:(0:00) Intro(3:01) Traditional vs Roth fundamentals(7:30) Required minimum distributions explained(11:13) Nest egg vs golden goose investing(14:55) Using self-directed IRAs for real estate(21:37) Inherited IRA tax pitfalls(26:08) Roth chunking for new airline hires(30:58) Strategic Roth conversions during low-income years(35:11) Passive income to fund retirement(38:35) Advanced Roth conversion appraisal strategy(45:38) OutroRelated Episode:#110 - The IRA Club Advantage: The Self-Directed IRA Strategy for Pilots with Ramez Fakhoury: https://passiveincomepilots.com/episode/110-the-ira-club-advantage-the-self-directed-ira-strategy-for-pilots-with-ramez-fakhouryIf you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you at the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.
Cammy is here with this weeks Extra as he and Martyn discuss the aftermath of last weeks Old Firm game and look forward to this weekends game in the Scottish Cup QF against Celtic at Ibrox. EXCLUSIVE NordVPN Deal ➼ https://nordvpn.com/heartandhand Try it risk-free now with a 30-day money-back guarantee - Watching Sporting Events/TV Shows/Films which aren't available in your region by switching your virtual location to a country which is showing the event. E.g. if you are abroad then you can access all your streaming services from back home. - Protect your private data like bank details, passwords and online identity - NordVPN can switch your virtual location allowing you to save money by purchasing flights, hotels, subscriptions from other countries at a cheaper price - Protecting your data whilst traveling and using public wifi, NordVPN protects you wherever you are in the world - NordVPN Threat Protection feature protects you from viruses, malicious malware and phishing sites - Fastest VPN in the world - no buffering/lagging whilst streaming and stops your ISP bandwidth throttling - Premium cyber-security for the price of a cup of coffee per month - 1 NordVPN account can be used on up to 10 devices Learn more about your ad choices. Visit podcastchoices.com/adchoices
The post Why Didn't Jesus Make Foot Washing A Required Practice? LIVE Q&A for March 5, 2026 first appeared on Enduring Word.
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If you've ever tried to “be good with money” by tightening every screw in your life, you know how quickly that approach can wear thin. This episode digs into why so many smart, capable women swing between extreme discipline and total exhaustion, and why neither seems to stick. Erin takes a thoughtful look at the hidden patterns behind debt cycles, burnout, and the constant feeling that you should be doing better by now. Join our online community: www.getthehelloutofdebt.com Today's episode is brought to you by Mint Mobile. Get 50% off Unlimited premium wireless. Plans start at $15/month at mintmobile.com/skye Support our sponsor, Chime. Chime is not just smarter banking, it is the most rewarding way to bank. It just takes a few minutes to sign up at chime.com/erin Thanks also to Function Health. You can own your health for $365 a year. Visit www.functionhealth.com/ERIN or use gift code ERIN25 for a $25 credit toward your membership. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices
With spring break right around the corner, we're answering a big question:Do you really need to leave DFW to have an amazing spring break? Short answer: absolutely not. In this episode, we're sharing some of our favorite staycation ideas, overnight trips, family activities, and hidden gems right here in the Metroplex. From resort-style hotels like the Gaylord Texan, Omni PGA Frisco, and the Anatole… to budget-friendly fun like escape rooms, water parks, local Airbnbs, food adventures, camping, and even backyard memory-making with your kids. Whether you're new to DFW, thinking about moving here, or you've lived here for years, this episode will open your eyes to just how much there is to do, without ever getting on a plane. If you're considering buying, selling, or investing in Dallas–Fort Worth, or you just want to make the most of living here, we'd love to help. TEXT OR CALL ANYTIME 214-310-0008www.dallashomerealty.com
Sermon by Brother Micah RiceRecorded March 1, 2026
ween America and Iran.Preview for later today: Mary Kissel discusses the State Department's resource shortages and the complex planning required to secure Venezuela, release political prisoners, and coordinate with international allies.1930
Have you ever wanted something so badly — more money, a new opportunity, a dream lifestyle — and yet found yourself not taking action? You journal. You visualize. You set intentions. But something invisible keeps holding you back. In this fascinating conversation, I sit down with Kam Knight, bestselling author, coach, and speaker who specializes in internal resistance — the hidden mental blocks that can quietly sabotage our manifestations without us even realizing it. Because here's the truth: You can consciously want one thing… while your unconscious mind is manifesting the opposite. And that inner conflict? That's where resistance lives. This episode is a powerful blend of mindset, neuroscience, and manifestation, helping you understand why action sometimes feels harder than it should — and how to gently work with your mind instead of against it. ✨ What We Dive Into In This Episode: What is "internal resistance"? How can the conscious mind and unconscious mind manifest different outcomes? How does childhood conditioning play into your manifestations? How do conflicting desires stall manifestations? How does our subconscious identity impact manifestation results?
In this episode, Niall Boylan is joined by podcaster and commentator Elaine Mulally to debate Rupert Lowe's proposal: should able-bodied people on long-term welfare be required to do community work, or is that “slave labour”?
If your business slows down when you step back, you're still operating — not leading. In this episode, we unpack the identity shift required to move from being the most capable person in the room to the most strategic. Inside this episode: • How to define your CEO role so you stop falling back into the operator role • Scaling is less about working harder and more about working smarter • Why most of us don't scale past 6 figures • The emotional resistance behind control • The decision-making lens of true expansion Scaling doesn't require you to work harder. It requires you to think differently. WORK WITH CHRISTINE: Buy my new book: Turn Impostor Syndrome Into Your Superpower Download: Consistent $10K Month Method Connect with Christine on Instagram https://www.instagram.com/christinecorcoran_coach/ Book a Discovery Call with Christine here Join the waitlist for the next round of Unstoppable Sales HERE Join the waitlist for the next round of NEXT LEVEL Mastermind HERE Christine's website https://christinecorcoran.com.au/
David Heslam is the Executive Director of Earth Advantage. A nonprofit based in Portland Oregon that works to ensure the U.S. housing market recognizes the elements of a home that create climate risk and values the characteristics of a homes that provide climate solutions. David spent 15 years designing, building, and remodeling homes in Portland. His award-winning company, Coho Construction Services, became known as a local and national leader for adopting new technologies and striving for high levels of sustainability. As his company migrated to working on more existing homes, he helped found Earth Advantage and became their director, where he has become a national leader in the effort to develop and deploy energy labeling systems into the residential market. Home performance labeling system put data in the consumers hands helping them better understand what they are purchasing and the value of better performing homes. As you will hear toward the end of your conversation, David and I went down a rabbit hole of if the IECC requires a builder to heat or cool a house because of its hyper focus on the building thermal envelope. I was able to find on Section R325.8 Required heating of the IRC where there is a requirement to every dwelling unit is required to maintain a room temperature of not less than 68 degrees. There is no requirement in the IRC for cooling of a homeDavid Heslam on LinkedIn Earth Advantage The Green Building RegistryAppraisals Will Look Very Different in the Near Future—AreYou Ready?
Job 28 Suffering is a cruel teacher that reminds us of our desperate need for God.
1. Supreme Court Tariff Decision A predicted 5–4 ruling upholding presidential tariff authority was incorrect; the Court ruled 6–3 against the administration’s use of one specific tariff statute (AIPA). Majority held that the statute allowed banning imports but not charging tariffs—a conclusion strongly criticized in the dissents (Kavanaugh, Thomas). Despite the ruling, the impact is expected to be limited, as the President has multiple other statutes still available to impose tariffs. A new 10–15% tariff was quickly announced using alternate legal authority. The administration still retains broad power using: Section 338 (1930 Tariff Act) – allows tariffs up to 50% for discriminatory treatment. Section 122 (Trade Act of 1974) – 15% tariffs for 150 days (renewable). Section 301 (Trade Act of 1974) – addresses unfair foreign trade practices. Section 232 (Trade Expansion Act of 1962) – tariffs for national‑security threats. Section 201 (Trade Act of 1974) – safeguard tariffs for import surges. Litigation may unfold for years, potentially costing billions over refunded or contested tariffs. China and Democrats were portrayed as celebrating the ruling, implying political dimension rather than policy substance. Administration aims to use tariffs as leverage for better trade deals, not as permanent protectionism. 2. State of the Union (SOTU) Speech Impact Speech viewed as effective, more disciplined, and likely helpful for midterm momentum. Highlighted major administration achievements: Border control and sharp decline in illegal crossings. Crime reductions (e.g., murder and overdose rates reportedly down by ~20%). Economic relief themes like no tax on tips and overtime. Strong emotional moments involving veterans, Olympians, and American heroes created bipartisan resonance. Speaker Johnson and congressional Republicans portrayed as unusually unified. Coordination with the President seen as stronger than in previous cycles. 3. The Olympic Contrast: Alysa Liu vs. Eileen Gu Alysa Liu Daughter of a Chinese refugee who fled Tiananmen Square. Target of CCP intimidation and espionage on U.S. soil. Required 24/7 FBI protection before the Beijing Olympics. Despite pressure, competed for Team USA and won gold. Story framed as patriotic, resilient, and emotionally powerful. Eileen Gu Also U.S.-born with Chinese heritage. Chose to compete for China after being offered substantial financial incentives. Criticism focused on choosing a communist regime over the U.S., though the speakers avoided personal attacks. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.
On this Friday Q&A episode, Don answers listener questions on international stock overweighting inside a Seattle city retirement plan, whether a Vanguard target-date fund might be a smarter emotional guardrail than self-managing allocations, how much term life insurance a family really needs (hint: it's about replacing income, not funding Ivy League dreams), whether an aggressively small-value–tilted Avantis portfolio is too risky for a disabled early retiree, and how to evaluate a $36,000 pension annuity versus a $500,000 lump sum using withdrawal math instead of Monte Carlo optimism. The recurring theme: feelings aren't an edge, discipline beats prediction, and structure matters more than conviction. 0:09 Fewer recorded questions lately and how to submit them 1:41 Seattle city employee overweighted in international stocks 3:36 Why “historic pivots” and gut feelings aren't an investing edge 4:50 Target-date fund vs. self-built allocation 7:27 Using small-cap/value funds alongside a target-date fund 9:15 Risk tolerance vs. emotional market timing 10:53 How much term life insurance is enough? 12:35 Replacing income vs. funding lifestyle extras 12:44 Aggressive Avantis (AVGV/AVGE/AVNV/DFAW) portfolio review 15:50 What happens if your portfolio drops 50%? 17:10 Pension choice: $36k annuity vs. $500k lump sum 21:29 The 41-year math on the lump-sum difference 22:52 Why lump sum often makes you the “insurance company” Learn more about your ad choices. Visit megaphone.fm/adchoices
In honor of the 100-year commemoration of Negro History Week, now celebrated as Black History Month, Disability Inclusion: Required is passing the mic over to Black Disabled leaders. This episode features Marq Mitchell, Heather Watkins, Natasha Nelson, and Mel Brown. Each of them share a 5-minute story about the power of your work, or a 5-minute reflection on what it means to lead liberatory projects while Black and disabled. Our podcast theme music is by Andre Louis and Precious Perez. Thank you to Recording Artists And Music Professionals With Disabilities (RAMPD) for connecting these talented disabled musicians with the Disability & Philanthropy Forum.
Daily Halacha Podcast - Daily Halacha By Rabbi Eli J. Mansour
Whereas Ashkenazic custom requires standing during Kaddish, the accepted practice among Sepharadim is to remain seated during Kaddish, unless one was standing when Kaddish began, in which case he must remain standing (until he completes his "Yeheh Shemeh Rabba" response). Hacham Ovadia Yosef ruled that if a Sepharadi wishes to follow the stringent practice of the Ashkenazim and stand for Kaddish, he should not do so, as this appears arrogant. Since the accepted Sephardic custom is to remain seated, and even the greatest Rabbis sit during Kaddish, making a point of standing gives the appearance of thinking that one is better than everyone else, and this is therefore inappropriate. Hacham Ovadia notes the ruling of the Kol Eliyahu that one who decides to stand during the Torah reading – when the commonly accepted custom is to sit – should be reprimanded for this display of arrogance. By the same token, it is inappropriate to break the accepted Sephardic practice by standing for Kaddish. The Sedeh Hemed (Rav Haim Hizkiya Medini, Hebron, 1834-1904) writes that his practice was to stand for Kaddish. The reason may have been that as a Rabbinic leader, he felt this was an appropriate stringency to accept. Regardless, as a general rule, this is discouraged. Summary: Sephardic practice is to remain seated during Kaddish, and it is improper for a Sepharadi to make a point of standing.
This episode is an unexpected transmission on what it really requires to lead a movement. If you're a woman who already holds power (money, influence, clients, vision), but feels the friction of your next level calling you forward…this is for you. We're talking about erotic power. Capacity. Nervous system regulation. Kinky shadow integration. The edge you're afraid to cross and why crossing it is the key to unlocking your next level of power. Because there is no final level of power. There is only the next edge. The next portal, threshold, crossroad seducing you into even more power than you knew possible. Because it's already there (right here) within you now. Inside this episode we reveal… Why leading a provocative movement requires you to stay at the edge of your power—not settle into comfort or playing small The truth about powerful women…you don't stop becoming powerful, you expand your capacity to hold more How erotic energy is the fastest pathway to influence, visibility, money, and embodied leadership The "dangerous woman" archetype and why systems were designed to make you fear your own authority Capacity work, nervous system regulation, kink, and why holding more money, visibility, and influence must feel safe in your body The rose analogy: how power spirals in layers and why there is always another (deeper) layer to integrate If your body knows there is more power available for you to access right now (and six months from now)… If the edge both excites and terrifies you…but you know it's required…and so is the right room, mentor, and intimate circle of women to hold you as you meet that edge… The Sanctum Mastermind is where you expand your capacity to hold it. Through erotic embodiment, somatic work, pleasure, deep ritual, kink, sisterhood, high-level provocative mentorship. Claim your key. The table is set. Want a deeper glimpse through the keyhole of The Sanctum? Get it exclusively inside my free course, Lead From Your Erotic Edge. Let's get social, sexy: Instagram: https://www.instagram.com/theamberrenee/ TikTok: https://www.tiktok.com/@theamberrenee Threads: https://www.threads.net/@theamberrenee YouTube: https://www.youtube.com/@TheAmberRenee/ Facebook: https://www.facebook.com/share/16E3eSNDNM/?mibextid=wwXIfr Blog page for this episode: https://missamberrenee.com/the-edge-of-your-power-is-required-to-lead-a-movement-bigger-than-you/
No Password Required: Next Gen – Ep. 1 - Michelle McAveety Michelle McAveety- Cyber Competitions, Crowd Surfing & Main-Character Energy Welcome to our new spinoff series, No Password Required: Next Generation. Where we go behind the scenes and interview up-and-coming young professionals in cybersecurity! Whether you're trying to figure out your career path, looking for a little inspiration, or just want to have a laugh while learning about the industry, this show is for you. Real stories. Real journeys. Next Gen Cyber. About this episode: Michelle McAveety is a Computer Engineering and Math student at USF and the Team Captain of the CyberHerd, the university's cybersecurity competition team. We get into the chaos and adrenaline of competition life, what it's like leading in a high-pressure cyber environment, and how she balances it all without losing herself. Spoiler: the answer includes crocheting, blasting heavy metal, going to concerts, and possibly crowd surfing if the vibe is right. Michelle also drops some real advice opening up about the pressure to compare yourself in competitive fields and why staying grounded and focused on your own path is the real win. Follow Michelles journey on linked in! https://www.linkedin.com/in/mcaveety/ Chapters: 00:39 - Who is Michelle? 00:54- Being in Cyberherd 01:38- Hobbies that bring Michelle Joy! 02:51- Comparison and Growth
There comes a point in many therapy careers where working harder is no longer the solution. You can raise your fees. You can tighten your cancellation policy. You can fill every slot on your calendar. And still feel financially vulnerable.In this episode, Ashley Stephens and I explore why supervision often becomes the smarter revenue stream at that stage. Not because it is easy. Not because it is trendy. But because it is structurally different from therapy income.Supervision is tied to licensure. Associates are required to have it in order to practice and accrue hours. That built-in demand creates a level of predictability that weekly therapy referrals simply do not. When designed intentionally, supervision can become a steady arm of your income instead of a reactive scramble.We also slow down and talk about ethics. Required does not mean exploitative. Supervisees deserve clarity, transparency, and the ability to reassess the relationship. Supervisors have obligations too. Contracts matter. Review points matter. Documentation matters. When those systems are in place, supervision supports both parties instead of draining them.And we address the legal realities. Supervising across state lines is not something you assume your way into. The compact does not automatically grant supervision privileges. Most states require full licensure and specific supervisor training. Getting this wrong can cost a supervisee their hours. That is not a risk worth taking.In this episode, we discuss:How supervision creates more predictable income than session-based therapy aloneThe difference between stable revenue and predatory practicesWhy long-term supervisory relationships can reduce burnoutWhat to confirm before offering supervision in another stateIf you have been thinking about adding supervision to your practice or shifting more fully into it, this conversation will help you evaluate that decision through an ethical and business lens. Not as a side hustle. Not as a last resort. But as a deliberate professional move.Download our free resource, Stop Working for Free: The Therapist Fee Reset, to identify where your practice may be leaking money.And if you are ready to build supervision into your model with strong systems and clean boundaries, that is exactly what we teach inside our Step It Up Membership.Get your step by step guide to private practice. Because you are too important to lose to not knowing the rules, going broke, burning out, and giving up. #counselorsdontquit.
If you're not a fan of clipping coupons on your phone, there could be a change coming to your food aisle. A bill in the Illinois Legislature would require grocery stores to offer another option than digital-only coupons.
In the 7 AM Hour: Larry O’Connor and Cassie Smedile discussed: WMAL GUEST 7:05 AM - INTERVIEW - MATT SCHLAPP - chairman of the American Conservative Union and CPAC TOPIC: React to State of the Union and CPAC coming up in Texas NJ DEVILS CROWD GOES NUTS WHEN JACK HUGHES GOES OUT ON THE ICE IN HIS FIRST GAME BACK AFTER THE OLYMPICS.WMAL GUEST 7:35 AM - INTERVIEW - RON HALBER - Chief Executive Officer of the Jewish Community Relations Council of Greater Washington TOPIC: Halber called out the political candidate questionnaire developed by the Democratic Socialists of America’s (DSA) Metro DC chapter for "encouraging the systematic erasure of Jewish and pro-Israel Americans from public life." Trump administration considers requiring banks to collect citizenship information Where to find more about WMAL's morning show: Follow the Show Podcasts on Apple podcasts, Audible and Spotify. Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile, @CMSmedile and @heatherhunterdc. Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Show Website: https://www.wmal.com/oconnor-company/ How to listen live weekdays from 5 to 9 AM: https://www.wmal.com/listenlive/ Episode: Thursday, February 26, 2026 / 7 AM Hour See omnystudio.com/listener for privacy information.
Most people spend significant time planning how to build wealth, but far fewer consider how their family would access that wealth if something unexpected happened. For Americans living in Israel who maintain U.S. brokerage or retirement accounts, that question can be more complex than it appears. The challenge usually involves authority, documentation, and cross-border procedures. From the outside, U.S. accounts often appear unchanged after someone relocates to Israel. Statements arrive, online access continues, and the accounts seem stable. That familiarity can create comfort, but it can also hide administrative challenges that surface during estate transitions. When inheritance meets two legal systems Inheritance is often assumed to be simple. A relative passes away, assets transfer to heirs, and accounts continue under new ownership. Cross-border estates rarely follow that pattern. Consider a common situation. A son lives in Israel while his parent maintains brokerage accounts in the United States. The parent passes away and the will names the son as the heir. From the son's perspective, the next step seems straightforward. Notify the financial institution, submit documentation, and transfer the accounts. Instead, access to the accounts often stops immediately after the parent's death. Financial institutions typically freeze accounts once they receive notification. This step protects assets and ensures that only properly authorized individuals can act. At that point, the focus shifts from who should inherit the assets to who has legal authority to act on behalf of the estate. That distinction frequently creates confusion. Family expectations often rely on intent. Legal systems rely on documentation and verification. When required paperwork is incomplete or delayed, inheritance can slow significantly. Beneficiary designations and wills Many retirement and brokerage accounts use beneficiary designations on their retirement accounts. When completed correctly and kept current, they normally allow assets to transfer directly to heirs without probate. Financial institutions still require verification before releasing assets. But regular brokerage accounts don't usually have the possibility of a beneficiary designation. "What about transfer-on-death accounts (TOD)?" you might ask. If the account owner and heirs all live in the United States, that might work, but for people who live overseas, the TOD may not work and the brokerage firms may require a probated will. Probate is the court-supervised process that confirms who has legal authority to inherit assets. Depending on jurisdiction and estate complexity, it can take considerable time and delay account access. Power of attorney can create misunderstandings. While it may allow someone to manage accounts during a person's lifetime, that authority generally ends at death. Even if a family member previously helped manage accounts, that control disappears once the account holder passes away. Online account logins do not replace legal authority and continued use after death can create additional complications. Additional documentation cross-border families often face Cross-border inheritance frequently introduces procedural steps that families do not anticipate. Documents may require notarization, apostilles, or translation. Financial institutions may request tax clearance before releasing assets. Communication often involves multiple time zones and unfamiliar regulatory processes. Each requirement exists for protective and regulatory reasons. Financial institutions must verify identity, confirm authority, and comply with legal obligations. For families managing responsibilities from another country, the administrative process can still feel overwhelming. Many individuals assume that having a will resolves these challenges. A will remains an important estate planning document, but it functions within the legal system where it was created. When heirs live abroad, additional validation steps may still be required. Why inheritance paperwork often continues after assets transfer Inheritance rarely ends when accounts transfer. It often unfolds in stages that may include estate administration, account restructuring, and tax considerations across multiple countries. In the United States, estate taxes may apply depending on estate size and applicable thresholds. In Israel, receiving inherited assets may create reporting obligations depending on the circumstances. If inherited investments are later sold, capital gains rules in one or both countries may apply. Retirement accounts such as IRAs can introduce further complexity. Required minimum distributions may create ongoing reporting responsibilities and potential taxable events based on the heir's individual situation. This article is intended for educational purposes only and should not be considered financial, legal, or tax advice. Each situation involves unique factors and should be reviewed with qualified professionals. Planning that may help reduce future delays Cross-border estate planning does not eliminate complexity, but it can reduce uncertainty and help coordinate financial, legal, and administrative processes. Families who experience smoother inheritance transitions often share several habits. They periodically review beneficiary designations to confirm they reflect current intentions. They maintain organized records of accounts, financial institutions, and contact details. They revisit estate planning documents after relocating to Israel to confirm the structure remains effective. When planning evolves alongside life changes, families often encounter fewer unexpected administrative obstacles. Practical steps that may improve preparedness Americans living in Israel who maintain U.S. investment accounts may benefit from several foundational steps. Maintaining a consolidated list of accounts can help family members identify financial institutions and contact details if needed. Reviewing beneficiary designations can help confirm retirement accounts align with estate planning goals. Discussing financial account access with family members may help clarify who should contact financial institutions and which documentation may be required. These steps do not eliminate every challenge, but they may reduce uncertainty and help families navigate complex situations more effectively. Schedule a Conversation If you are living in Israel and managing U.S. brokerage or I.R.A. accounts, and you are unsure whether your investments still make sense for your situation, it may be worth taking a fresh look. You can book a free cross-border evaluation call here: https://profile-financial.com/call. It is a no pressure conversation and a chance to see whether your current setup aligns with how you live today.
IEC 60601 has been central to medical electrical equipment safety for decades. From the prescriptive approach of the 2nd edition to the risk-based philosophy introduced in the 3rd edition, the standard has continuously evolved to address technological and regulatory complexity.Now, the upcoming 4th edition represents more than an amendment — it signals a structural transformation.This article explores:The Evolution of IEC 60601• Key shifts from the 2nd to the 3rd edition• Why risk management became central• What lessons shaped today's safety philosophyWhat the 4th Edition Brings• A major rewrite rather than incremental updates• The introduction of “atomic requirements”• Structural clarity for manufacturers, test labs, and regulators• Emerging technical considerations (digitalization, AI, cybersecurity, home use)Impact on Existing Devices• Will re-testing be required?• How to assess validity of existing test reports• Transition strategies with notified bodiesIntegration into Design & Documentation• Embedding IEC 60601 into risk management from day one• Required updates in risk files, EMC documentation, labeling, and usability engineering• Practical advice for SMEs with limited resourcesThe Future of IEC 60601• Greater harmonization with ISO 14971 and IEC 62304• Alignment with digital and AI regulatory frameworks• The long-term outlook for medical electrical safetyFor manufacturers, the message is clear:IEC 60601 is not just a testing standard — it is a design and risk management framework that must be integrated early and strategically.Who is Monir El Azzouzi? Monir El Azzouzi is the founder and CEO of Easy Medical Device a Consulting firm that is supporting Medical Device manufacturers for any Quality and Regulatory affairs activities all over the world. Monir can help you to create your Quality Management System, Technical Documentation or he can also take care of your Clinical Evaluation, Clinical Investigation through his team or partners. Easy Medical Device can also become your Authorized Representative and Independent Importer Service provider for EU, UK and Switzerland. Monir has around 16 years of experience within the Medical Device industry working for small businesses and also big corporate companies. He has now supported around 100 clients to remain compliant on the market. His passion to the Medical Device filed pushed him to create educative contents like, blog, podcast, YouTube videos, LinkedIn Lives where he invites guests who are sharing educative information to his audience. Visit easymedicaldevice.com to know more. If you need help implementing QMSR or preparing your teams for FDA inspections, contact: info@easymedicaldevice.com If you are located outside the EU/UK/Switzerland and need an Authorized Representative (and possibly an Importer), we can support you as well.LinkLeo Linkedin: https://www.linkedin.com/in/leoeisnersafetyconsultants/Social Media to followMonir El Azzouzi Linkedin: https://linkedin.com/in/melazzouziTwitter: https://twitter.com/elazzouzimPinterest: https://www.pinterest.com/easymedicaldeviceInstagram: https://www.instagram.com/easymedicaldeviceThis podcast is powered by Podcastics, the easiest platform to create and publish your podcast.
For most companies in the oil industry, drilling new wells is a major part of their business strategy. Today, we're highlighting a firm that's taking a very different tack. Will Ulrich has served as co-CEO of Presidio Petroleum alongside his partner Chris Hammack, since founding the company in 2017. Presidio's mission is to generate the oil industry's best return on capital by delivering the industry's lowest operating expenses, highest profitability and best emissions profile — all without doing any drilling. Today, Will shares Presidio's unique approach to value creation, their upcoming plan to go public via business combination, and the reasons why they're optimistic for the future. Highlights:Founding Presidio (1:57)Going Public (4:45)The end of the 'Capital Intensive Shale Era' (7:06)Institutional Backing (8:58)Dividend (10:46)Private Equity (13:58)Reducing Operating Costs (17:21)Field Incentive Plan (20:55)Stable Well Production (22:30)Hedging (23:42)CapEx (25:43)Acquisition Strategy (27:23)5-year Outlook (29:17)Links: Will Ulrich LinkedInPresidio LinkedInPresidio WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.
As Jeremy's church moves from survival to sustainability—new building, construction, momentum—he asks a question that every growing leader must wrestle with:Which leadership habits that served me early on still belong in this season… and which ones could now be holding us back?This conversation is packed with clarity for pastors navigating growth, change, and increasing demands.In this episode, we talk through:• Why structure must change when the nature of your church changes• How momentum can exaggerate strengths while hiding weaknesses• The danger of measuring only attendance and offering• How to measure activities that actually predict long-term health• How to protect your heart as pressure and criticism increase• The difference between being out of balance vs out of obedience• Why leaders need both a mentor and a coach—and why they are not the sameIf your church is growing—or you're praying for growth—this episode will help you think more strategically about leadership, culture, and sustainability.
David Livingston of The Space Show and Kishalay De of Columbia University discuss a star collapsing into a black hole without a supernova, challenging established theories about the minimum mass required for such cosmic events. 9.1951
SummaryIn this episode of the Stellar Teacher Podcast, host Sara Marye discusses the challenges and strategies for teachers dealing with mandated curriculums. She emphasizes the importance of recognizing gaps in the curriculum, enhancing instruction with supplemental resources, focusing on effective teaching methods, and using assessment data to justify changes. The episode provides practical tips for teachers to navigate the constraints of mandated curriculums while still meeting the diverse needs of their students.TakeawaysEvery class has unique needs that may not be met by a standard curriculum.Identifying gaps in the curriculum can provide opportunities for creative teaching.Enhancing instruction with supplemental resources can improve student engagement.Focusing on the 'how' of teaching can be more impactful than the 'what'.Teachers can control how students process their learning even within a rigid curriculum.Using assessment data can help justify changes to the curriculum.It's important to advocate for what works best for students.Teachers should feel empowered to supplement their mandated curriculum.Professional judgment is key in navigating curriculum requirements.Resources:Join The Stellar Literacy CollectiveGet the Stellar Intervention ToolkitSign up for my Private Podcast: Confident Writer Systems SeriesSign up for my FREE Revision Made Easy email seriesIf you're enjoying this podcast, please leave a review on Apple Podcasts!
If you've ever tried to “earn” your food with workouts or punish yourself for indulgent weekends, this episode is for you. I dives deep into the toxic reward-and-restriction cycle so many high-achieving women are stuck in—and shows you how it's sabotaging your fat loss, hormone health, and relationship with food.Learn the science of under-fueling, how fasted workouts impact your nervous system, and what it really takes to eat like someone who wants to feel strong, calm, and energized. Ditch the diet guilt and discover how to fuel your body with intention, not shame.If you're interested in more mindset and health hacks for overwhelmed women, find me on Instagram @jaimefilerfitness, or head to https://call.jaimefiler.com/form to learn more about the 16 week 3R Method
Midnight Mike is the host of a weekly conspiracy, paranormal, news talk show calledOBDM, and also a co-host of Doom Scrollinwith Sam Tripoli, and co-host of the wildly popular round-table discussion podcast, The Union of the Unwanted, with Charlie Robinson (Macroaggressions), Sam Tripoli (Tin Foil Hat), and Ricky Varandas (The Ripple Effect).MIDNIGHT MIKEWebsite: https://ourbigdumbmouth.com/YouTube: https://www.youtube.com/@obdmpodRumble: https://rumble.com/user/obdmDoomScrollin: https://samtripoli.com/doomscrollin/X: https://x.com/obdmpodIG: https://www.instagram.com/obdmpod/THE RIPPLE EFFECT PODCAST:WEBSITE: http://TheRippleEffectPodcast.comWebsite Host & Video Distributor: https://ContentSafe.co/SUPPORT:PATREON: https://www.patreon.com/TheRippleEffectPodcastPayPal: https://www.PayPal.com/paypalme/RvTheory6VENMO: https://venmo.com/code?user_id=3625073915201071418&created=1663262894MERCH: Store: http://www.TheRippleEffectPodcastMerch.comTHEORY 6 MUSIC: https://open.spotify.com/artist/1w91xRlB4b2MJYyXXhJcyFSPONSORS:OPUS A.I. Clip Creator: https://www.opus.pro/?via=RickyVarandasScott Horton Academy: https://scotthortonacademy.com/rippleeffectUniversity of Reason-Autonomy: https://www.universityofreason.com/a/2147825829/ouiRXFoLWATCH:OFFICIAL YOUTUBE: https://www.youtube.com/@TheRippleEffectPodcastOFFICIALYOUTUBE CLIPS CHANNEL: https://www.youtube.com/@RickyVarandasLISTEN:SPOTIFY: https://open.spotify.com/show/4lpFhHI6CqdZKW0QDyOicJiTUNES: http://apple.co/1xjWmlFTHE UNION OF THE UNWANTED: https://linktr.ee/TheUnionOfTheUnwanted
send us a text via Fan Mail!In this part two I discuss more practical aspects of record keeping, transcript writing and building healthy communication with our teens. 1:02 - What is a transcript? 4:15 - Systems for assigning credits 7:16 - Required and elective courses9:30 - Importance of record keeping13:23 - Our role as a parent18:23 - Support and communicationPlanning pages for high school homeschooling high school: a typical course of study, what does that even mean? (blog post) Contact On Instagram at @make.joy.normal By email at makejoynormal@gmail.com Search podcast episodes by topic www.bonnielandry.ca Shop my recommended resources Thanks for listening to Make Joy Normal Podcast!
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➡️ Connect with Jasmine Arora: -Schedule Free Strategy Call: https://jasminearora.ae/skipthetrialanderroragentedge -LinkedIn: https://www.linkedin.com/in/socialjasmine/ -Instagram: https://www.instagram.com/jasminearora.ae -YouTube: https://www.youtube.com/@Milliondirhamagents ➡️ Want To Learn More About Partnering With Me at eXp (Get all my Training & Coaching For Free) Schedule a Zero Pressure, Fully Confidential Zoom Call with me: https://go.oncehub.com/PartnerwithJoshuaSmithGSD ➡️ Connect With Me On Social Media: Facebook: https://www.facebook.com/JoshuaSmithGSD Instagram: https://instagram.com/joshuasmithgsd/ About Joshua Smith: -Licensed Realtor/Team Leader Since 2005 -Voted 30th Top Realtor in America by The Wall Street Journal -NAR "30 Under 30" Finalist -Named Top 100 Most Influential People In Real Estate -Top 1% of Realtors/Team Leaders Worldwide -6000+ Homes Sold & Currently Selling 1+ Homes Daily -Featured In: Forbes, Wall Street Journal, Inman & Realtor Magazine -Realtor, Team Leader, Coach, Mentor
Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.
-Rob unloads on the “voter ID is racist” narrative, pointing out that you need an ID to rent a hotel room, adopt a cat, move into senior housing, or board a plane — but somehow not to vote. -The hour wraps with Rob blasting Apple News for curating overwhelmingly left-wing content, celebrating media firings at CNN, and even detouring into a “smart underwear” study proving Americans pass more gas than previously reported. Today's podcast is sponsored by : RELIEF FACTOR - You don't need to live with aches & pains! Reduce muscle & joint inflammation and live a pain-free life by visiting http://ReliefFactor.com QUINCE CLOTHING - Refresh your wardrobe with Quince. Go to http://Quince.com/NEWSMAX for free shipping on your order and 365-day returns. BIRCH GOLD - Protect and grow your retirement savings with gold. Text ROB to 98 98 98 for your FREE information kit! To call in and speak with Rob Carson live on the show, dial 1-800-922-6680 between the hours of 12 Noon and 3:00 pm Eastern Time Monday through Friday…E-mail Rob Carson at : RobCarsonShow@gmail.com Musical parodies provided by Jim Gossett (http://patreon.com/JimGossettComedy) Listen to Newsmax LIVE and see our entire podcast lineup at http://Newsmax.com/Listen Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at http://NewsmaxPlus.com Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : http://nws.mx/shop Follow NEWSMAX on Social Media: -Facebook: http://nws.mx/FB -X/Twitter: http://nws.mx/twitter -Instagram: http://nws.mx/IG -YouTube: https://youtube.com/NewsmaxTV -Rumble: https://rumble.com/c/NewsmaxTV -TRUTH Social: https://truthsocial.com/@NEWSMAX -GETTR: https://gettr.com/user/newsmax -Threads: http://threads.net/@NEWSMAX -Telegram: http://t.me/newsmax -BlueSky: https://bsky.app/profile/newsmax.com -Parler: http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices
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