Podcasts about save money

If you just got 100K points from a brand new travel rewards card, you should know a few things to help make sure you're earning even more points, saving money, and getting great value. Plus we'll also look at "Amex referral reformatory rescinded" and how to earn points on RENT with any credit card. (01:30) - One reader shares a success story using the "email the GM" strategy... (03:37) - Capital One Venture X Business Card: Up to 350K Miles Read our review of the Capital One Venture X Business Card here. (06:55) - Amex referrals back for many (referral reformatory rescinded) (09:48) - Two Hawaiian cards in one day (my quick experience) (17:23) - Synchrony reintroduces Cathay Pacific card (21:06) - Bilt now offers rewards when you pay your rent with non-Bilt credit cards (26:48) - Virgin jacked up fees on KLM/ Air France then backed off (31:03) - Frontier Elite Gold status for $40 (35:22) - 30% transfer bonus from Citi to Virgin Atlantic thru May 17 Main Event (36:39) - Read our FAQ about this card here. (38:45) - Earn more points (59:09) - Save money (1:09:49) - Redeem points for great value (1:17:33) - DON'T TRANSFER TO... (1:20:50) - World of Hyatt credit card gives an additional Hyatt category 1-4 free night certificate with 15K spend in a calendar year. But with recent Hyatt category changes, is it still worth spending towards that goal? Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media. Music Credit – “Ocean Deep” by Annie Yoder

Nothing like a summer heat wave will remind us how expensive it is to stay cool…literally. But guess what? You don’t need to feel guilty about it at all. In this episode, Jen and Jill are breaking down free, frugal ways to cool your home and your energy costs without feeling guilty!

Send us a textDavid Barnes, Kirkland's Senior Planner for Sustainability, joins us with the inside scoop on heat pump rebates, solar power workshops, and other ways you can help the planet—starting now. Plus, design the official Kirkland flag. Prevent food waste with easy tips. Get money to plant a tree. Stay informed with sustainability info right to your inbox. Know what's coming up at Council. NEW - Follow the Police and Fire Departments on social. Learn CPR, join an upcoming workshop for aspiring Firefighters, and more.  Show note links: kirklandwa.gov/podcast#20250410

#222: Discover how paying taxes with a credit card can unlock huge rewards—or even turn a profit. Chris also shares how he's handling the current market decline and shares practical tips for teaching kids about money, stacking card-linked offers, and using VPNs for big savings. Link to Full Show Notes: https://chrishutchins.com/pay-taxes-with-credit-card-2025-musings Partner Deals Facet: Personalized Financial Planning + $250 enrollment fee waived Storyworth: Share your mother's stories in a custom book (+ $10 off) Vuori: 20% off the most comfortable performance apparel I've ever worn Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth LMNT: Free sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards Best Cards Page 100k Welcome Bonus Offer IRS Authorized Payment Providers: Pay1040 | ACI Payments Business Payment Platforms: Plastiq | Melio Flight Tracker: Flighty CardPointers Pro: 30% off here Rakuten: $30 bonus here Savewise: 20% off with ALLTHEHACKS20 Kudos: $20 bonus here Hyatt Offer: $100 Off Peloton NordVPN Ben Carlon's Chart: 31 Years of Stock Market Returns Wealthfront: Get $5k managed free and get a 0.5% APY boost ATH Podcast Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli Ep #194: The Simple Path to Wealth and FU Money with JL Collins Newsletter Deals Page Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:20) Quick Reminder About Upcoming Tax Payments (03:39) Why and When You Should Pay Taxes on Your Credit Card (08:08) Paying Taxes on a Credit Card to Leverage Welcome Offers (09:22) How to Maximize a Credit Card Welcome Bonus of 100K (13:26) Three Tips from a Recent Trip to Colorado (18:39) A Great Way to Teach Kids About Money and Make a Profit (22:13) Stacking Offers to Get 30% Off Peloton Bikes (28:07) How to Use a VPN to Find Better Deals (29:55) Why It Might Be Cheaper to Pay with Different Currencies (31:52) The Recent U.S. Stock Market Decline (38:53) Chris' Personal Strategy for the 10% Market Drop (40:50) The Importance of Diversifying Your Portfolio (42:12) Tax Loss Harvesting and Why It's a Good Time to Consider It Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Think sustainable living is confusing, expensive, or just plain overwhelming? You're not alone. With so much conflicting advice out there, it’s hard to know what actually makes a difference. Lottie Dalziel is here to set the record straight. Founder of Banish, one of Australia’s most trusted sustainability platforms, Lottie has helped thousands of people and businesses cut through the noise and adopt realistic, impactful changes. Recognized as the NSW Young Australian of the Year and a driving force behind sustainability education, she’s been featured on major platforms for her expertise in reducing waste and making eco-friendly choices more accessible. In this episode, Lottie and I dive into: The easiest way to drastically cut our energy use at work with one simple change A surprising trick to keep your veggies lasting longer in the fridge The everyday household items that might be leaching microplastics into your food and body The biggest sustainability myths that are wasting your time and money How to make sustainable swaps without breaking the bank Four eco-friendly items you can replace almost every cleaning product with. If you’ve ever felt overwhelmed by the pressure to be ‘perfectly sustainable’ or struggled to separate real impact from greenwashing, this episode is for you. Lottie’s no-BS approach will leave you feeling empowered, not guilty, about making small, meaningful changes. Key Quotes: “You don’t need to do everything perfectly. You just need to start.” “The best sustainability tip? Use what you already have.” “One of the easiest ways to reduce your waste is to start composting—it’s simpler than you think and keeps food scraps out of landfills.” Connect with Lottie via her website, Instagram, Tiktok, and LinkedIn. Check out Lottie’s book 365+ Ways to Save the Planet and Your Money at the Same Time Ready to rethink sustainability? Hit play and start making a difference - without the overwhelm. My latest book The Health Habit is out now. You can order a copy here: https://www.amantha.com/the-health-habit/ Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha-imber.ck.page/subscribe Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: The Podcast Butler See omnystudio.com/listener for privacy information.

What's the most unhinged way you've tried to save money before?

Send us a textIs making your own gear actually saving you money? According to our math, DIYers can sometimes save up to 200%—but we've also seen folks drop $300 on a project they could've bought for $250. In this episode, we break down the three tiers of MYOG, what drives costs in each, and what makers are really spending when they go the DIY route.Products Mentioned: Kits/Patterns: ZPPTarp WalletBear Bag Kit with Dyneema® Composite FabricAlpha Raglan HoodieDias ShortsFabrics: 210D Venom™ Gridstop ECO  3.4 oz Nylon Taslan/Supplex1.1 oz SilpolyEp. 69 - Making Happy Accidents with Dustin Klein Find Us on Social Media

Matt speaks with Franco Terrazzano about the carbon tax within the broader context of government spending, taxation, and fiscal responsibility in Canada. They discuss the impact of high government debt, the role of the federal budget, and the long-term consequences of deficit spending. Terrazzano critiques the federal carbon tax, arguing that it places an unnecessary burden on Canadians while failing to achieve its intended environmental goals, and points to some glaring instances of hypocrisy on the part of its supporters. References Axing the Tax: 100 Simple and Painless Ways to Save Money on Your Taxes by Franco Terrazzano https://a.co/d/azlHzK6  "Carbon tax costs average Ontario family $627 this year" by Franco Terrazzano (Canadian Taxpayers Federation) https://www.taxpayer.com/newsroom/carbon-tax-costs-average-ontario-family-627-this-year "PBO confirms carbon tax costs more than rebates" by Franco Terrazzano (Canadian Taxpayers Federation) https://www.taxpayer.com/newsroom/pbo-confirms-carbon-tax-costs-more-than-rebates "Carbon tax bureaucracy costs taxpayers $800 million" by Franco Terrazzano (Canadian Taxpayers Federation) https://www.taxpayer.com/newsroom/carbon-tax-bureaucracy-costs-taxpayers-800-million   "Cut taxes and government spending to combat inflation" by Franco Terrazzano (EnergyNow) https://energynow.ca/2022/02/news-release-cut-taxes-and-government-spending-to-combat-inflation Thanks to Our Patrons Including Kris Rondolo, Amy Willis, and Christopher McDonald. To support the podcast, visit: https://patreon.com/curioustask

Ain't no shame in the frugal game. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

 Going to Disney World on a budget? I've got tips for you on HOW to book your vacation to save money before you ever arrive. I'll share room types to be on the lookout for, how you can get a free DVC upgrade, how you'll want to bundle and purchase tickets, and how many people should be reserved in each room for maximum savings. Share this episode with another Disney loving friend who wants to save some money!I hope you enjoyed today's show. I'd love to connect with you over on Instagram @mountains_of_magic or Facebook at Fantastical Vacations by Daniele. If you would like help in planning an upcoming Disney or Universal vacation, email me at danielerobbins@fantasticalvacations.com or fill out a quote form to get started planning the magic Get A QuoteMy Website mountainsofmagic.square.siteWant to try fetch rewards and get free gift cards by scanning receipts? Use my code 8G48W to get 2000 points at sign up. FETCH REWARDSWant the latest travel deals and all my tips for Disney, Universal and Cruising?Join my email newsletterMusic from Uppbeat (free for Creators!):https://uppbeat.io/t/andrey-rossi/bring-the-funLicense code: E9BZCTS1O3JRPERX This podcast is not sponsored or supported by Fetch Rewards. Views of the host are her own. 

Ever feel like eating high-protein dinners is either too expensive or too exhausting? You're not alone. In this episode, Shaela shares the real-life strategy that changed everything for her family—making high-protein meals doable, affordable, and even enjoyable. From balancing macros on a tight budget to simplifying dinner prep for busy nights, you'll learn how to fuel your body (and your family's) with quality meals that don't drain your bank account or your energy. Shaela breaks down why protein at dinner matters, what happens in your body overnight, and the one shift that helped her stop scrambling at 4 PM without a plan. She also shares her go-to method for effortless meal planning and how a simple change in how she shops for meat helped her save money, gain variety, and take stress off her plate (literally). This isn't about perfection—it's about making real, sustainable shifts in your health habits. Whether you're trying to lose fat, build strength, or just keep up with your family, you'll walk away from this episode with practical, grace-filled tools to help you make dinner one of the simplest, most nourishing parts of your day. Key Takeaways: Why protein at dinner is essential for muscle recovery, fat loss, and staying full overnight The exact high-protein dinner goal Shaela uses (30–40g per meal) How ButcherBox helped her save $100+ a month on meats while adding variety A simple framework for monthly meal planning (even if you're busy or postpartum) How to use one small dinner shift to support long-term fitness goals and save time in the kitchen Resources & Links: Join the Simple Fitness Habits for Christian Women Community: community.simplefitnesshabits.com Your Simple Health Blueprint: www.shaeladaugherty.com/yoursimplehealthblueprint The Stronger Collective Workout & Wellness App: thestrongerco.com ButcherBox Discount Link: Get Your First Box FREE + Free Ground Beef for Life ➡️ Grab Your Simple Health Blueprint to get high-protein meal planning help, strength-focused routines, and sustainable strategies built around your life. ➡️ Want to make fitness easier and more faith-filled? Join The Stronger Collective or jump into our free community!

Welcome to the TestGuild Automation Podcast! In this episode, host Joe Colantonio sits down with Gaurav Mittal, a cybersecurity, data science, and IT expert with over two decades of experience. Gaurav, recognized for his thought leadership in AI and automation with multiple industry awards, shares his insights on making How To Optimize your Automation CI/CD Pipelines in DevOps more cost-effective. Whether you're a test automation engineer or security professional or work with AI/ML, you'll want to hear Gaurav's take on implementing DevOps pipelines that reduce licensing costs and enhance flexibility without sacrificing your team's productivity. Learn about his experiences with GitHub Actions, Jenkins, and the innovative ways he's optimized CI/CD pipelines to save resources and automate extensive testing processes, all while incorporating strong security measures. Join us as we delve into the innovative strategies and practical advice that can help transform your DevOps practices.

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A new project which enables farmers to optimise the use of livestock manure and nutrients while reducing costs and environmental impact is underway following a collaboration of industry experts. The project, called 'Nutrient Utilisation and Recovery through Supercritical Extraction', or NURSE, is led by collaborators including Kairos Carbon Limited (lead), Cranfield University, Royal Agricultural University and the UK Agri-Tech Centre and is part of Defra's Farming Innovation Programme, delivered in partnership with Innovate UK. Nutrient Utilisation and Recovery through Supercritical Extraction to help environment It aims to develop an advanced hydrothermal technology to process livestock wastes - to recover the valuable nutrients they contain - producing carbon-negative, non-leaching fertiliser, while separating the carbon for permanent sequestration. The UK produces approximately 140 million tonnes of livestock waste annually, most of which is spread on farmland. The work of the project will help to reduce emissions by stripping out any carbon before fertiliser is applied to the land. Less than 50% of applied nutrients, such as phosphorus, are taken up by crops when livestock waste is spread on land. Meanwhile, farmers' fertiliser costs are increasing while fertiliser resources, such as phosphorus, are being depleted. By formulating non-leaching fertiliser, which enables more of the nutrients to actually be absorbed by plants, the project aims to keep farmers' costs down and reduce waste of resources. It is vital that farmers are given new tools to recover and reuse valuable nutrients, whilst also reducing their environmental impacts. What are the wider impacts? The technology directly benefits farmers and their impacts through recovering critical materials from livestock waste in condensed form for targeted use as low-leaching, sustainable fertiliser, reducing costs and improving yields. It also allows for better management and processing of waste, the destruction of organic pollutants and the extraction of carbon for capture and storage, all while being energy-neutral. These benefits directly meet UK requirements to improve the management of the tonnes of livestock waste produced, most of which is in England. Kairos' analysis demonstrates they can profitably achieve UK-wide coverage of livestock waste sources. Kairos aims to reduce emissions from UK agriculture as well as prevent pollutants and nutrients from entering water sources. It also aims to prevent air pollution from livestock waste and many other sources of agricultural pollution. In addition, Kairos' technology will support creation and safeguarding of hundreds of skilled jobs across its supply chain including farming and agronomy, such as protecting rural communities, and chemical engineering, such as fabrication and maintenance. The technology can expand to additional industries such as sewage sludge, municipal waste and hazardous chemicals, removing more emissions, pollution and making more nutrients available for agriculture. Megha Raghavan, CEO of Kairos Carbon Limited, said: "It is critical that we find ways to turn wet organic wastes from a problem into a resource. "This technology has the potential to prevent environmental contamination, fight nutrient depletion and remove billions of tonnes of carbon dioxide from the atmosphere, making it a powerful tool in the fight against climate change." Dr Stuart Wagland, Reader in Energy and Environmental Chemistry at Cranfield University, said: "Developing novel thermochemical processes to manage challenging wet wastes, dealing with emerging contaminants and recovering nutrients will have a significant impact across the UK and we are excited to be involved in this project." Dr Karen Rial-Lovera, Associate Professor in Agriculture and Dean of Agricultural Science and Practice at the Royal Agricultural University, said: "This innovation seeks to support our growing need for sustainable nutrient management in agri...

On this episode of Bulture podcast:- ‘One of Them Days' starring Keke Palmer and SZA will be available on Netflix tomorrow-Cardi B claims Offset sent explicit videos of them two to a man she was dealing with-The viral 'Pop the Balloon' YouTube dating show is coming to Netflix in April, with Yvonne Orji as the host-Producer ATL Jacob on Young Scooter passing, he was the one who made his Iconic Voice Tag “ATL Jacob, ATL Jacob-” Young Scooter died after bleeding to death from an injury sustained from jumping over a fence when evading Atlanta police, Scooter was not shot by APD-Coach Prime and Colorado have agreed on a new 5-year, $54 Million contract-CeeDee Lamb's nose wipe celebration is now a 15-yard unsportsmanlike penalty as it's been deemed a violent gesture by the NFL-Chris Brown Announces, “Breezy Bowl XX” World Stadium Tour with Summer Walker and Bryson Tiller Celebrating 20 years in the game-Slim Thug calls out women for wearing thirst trap outfits and then calling men creep-Marvin Sapp stops service to demand his congregation to raise $40,000 before they leave-Trick Daddy reveals why he prefers dating women ages 22 to 35 and says, "Them old h*es need to lower their standards."-YG's new track “2004” where he reveals for the first time that he was sexually assaulted by an older woman-Adam22 Denies Being Arrested in Connection with Big U & Bricc Baby RICO Case-Sauce Walka reveals he's not planning to retaliate against the shooters who killed his artist Sayso P, but makes it clear he could have 400 to 500 good men ready to retaliate at the snap of his fingers-Bia Suggests Halle Bailey Blocked Her DDG Collab: “Don't Let Relationships Get in the Way of Your Creativity”-Unseen Footage of Lil Durk Telling His Friends It's Better to Save Money and Let People Think You're Broke Instead of Being Flashy & Broke-Yella Beezy has been released from Dallas County jail after posting $750K bond, his Grandmother Helped Lower His Bond From $2m to $750k By Refusing To Reveal His Finances-Investigators say Yella Beezy withdrew $40,000 from his account days after Mo3 was killed. The shooter plans to testify against Yella Beezy-The court shows how the Mo3 incident took place on the highway. Footage of Mo3 being shot at and chased by an alleged killer in the middle of I-35 in Dallas in 2020-The Los Angeles Sparks announced today that they will be retiring WNBA legend Candace Parker's No. 3 jersey on June 29 at Crypto.com Arena. Joining the likes of Lisa Leslie- At least 20 people are suspected dead after a massive 7.7-magnitude earthquake struck Myanmar and Thailand on Friday, devastating buildings across Southeast Asia-DDG says $10 Million isn't enough to sustain you for a lifetime and that most people will be broke by 50-Jasmine Crockett gets hilariously pranked on the ‘Steve Harvey Morning Show'-Meek Mill denies being held hostage by L.A. crips-Big U faces life in prison after being named in a 43-count federal indictment for murder, extortion, fraud, and racketeering conspiracy and more-The NFC East is the first division in history to have 4 Black starting QBs ✊

Spring HVAC Prep: Home Maintenance Tips to Save Money and Boost Comfort 3-29-25 by John Rush

The Best Ways to Save Money Grocery Shopping and the Nuggstradamus PredictionsSee omnystudio.com/listener for privacy information.

Send us a textEver feel like you're constantly adding chlorine to your pool, only for it to disappear overnight? In this episode, I break down the biggest chlorine killers and share my best tricks to make it last longer—saving you time and money. From stabilizers to shocking schedules, I've got the inside scoop on keeping your pool crystal clear with less hassle.Support the Pool Guy Podcast Show Sponsors! HASA delivers clean, healthy water solutions. https://bit.ly/HASAhttps://www.orendatech.com/The Bottom Feeder Professional Battery Powered Vacuum System. Save $100 with discount Code: DVB100https://bit.ly/THEBOTTOMFEEDERAnd Skimmer, America's #1 pool service software! Try Skimmer FREE for 30 days at:https://getskimmer.com/poolguy Thanks for listening and I hope you find the Podcast helpful! For other free resources to further help you:Visit my Website: https://www.swimmingpoollearning.comWatch on YouTube: https://www.youtube.com/@SPLPodcast Site: https://the-pool-guy-podcast-show.onpodium.com/

Things frugal people ditched to save money: plastic water bottles, dog toys, paper towels, etc.Can your friends keep up with you? Marcus' sister was in town over the weekend. They went out Friday night and she almost didn't make it out Saturday. Marcus broke her. Would you be able to keep up with Marcus?Things Gen Z loves about older generations: vinyl, walking down the street without looking at your phone, pop-ins, etc.Second Date Update: Dylan and Savannah went for coffee in Mountain View. Was his negative attitude a turn-off?

In recent months, some energy customers have seen energy bills hit their wallets hard. Earlier in the month MA Gov. Healey launched an “energy affordability agenda” promising actions to slash energy bills over the coming years. There is a way energy customers have already been saving money on energy by using a government website called Energy Switch Massachusetts that allows residents to "shop around" for the best energy prices. There is a debate over whether MA should keep this consumer savings tool. Abby Foster, Vice President of Policy, and Advocacy for REAL (The Retail Advancement Energy League) joined us to discuss!Listen to WBZ NewsRadio on the NEW iHeart Radio app and be sure to set WBZ NewsRadio as your #1 preset!

Let's Review the Bassmaster Classic coming up on Fort Worth Texas at Lake Ray Roberts, talk about records, winning weights, big bass, Fantasy Fishing, Classic Expo and more! Congrats to Easton Fothergill on a record breaking performance!Learn about Supreme Lending Dream Team - https://bit.ly/DreamBigHBHellaBass LIVE now BOOSTED by Power House Lithium - https://bit.ly/HB-PHL**Want to Donate?**https://paypal.me/HellaBassVenmo - hellabass—————————————————————————▼ SAVE MONEY & SUPPORT HELLABASS ▼Get 15% off at ARSENAL Fishing w/ code: HELLABASS15 - http://bit.ly/ArsenalShopGet 15% off at OMNIA Fishing w/ code: OMHBF6RH5 - https://omnia.direct/HBOmnia——————————————************************** #HellaBass #BassmasterClassic #PodcastDisclaimer: Some of the links in this description are affiliate links. If you make a purchase through these links you'll help support this bass fishing channel at no additional cost to you. Win/Win! Thanks!

I'm diving into an important yet often overlooked aspect of driving in Iceland—the unique rules of two-lane roundabouts. Even if you are from Europe, there is a good chance that Iceland does two-lane roundabouts a little different than what you expect. How to Save Money on Your Rental Car in Iceland Before we get into that, I want to give a shout-out to our amazing sponsors, Go Car Rental Iceland and Go Campers. If you're planning a trip and need a reliable rental car from a company with great customer service, use my code Iceland10 to save 10% with Go Car Rental Iceland.And if you're looking for the ultimate camper van experience, Go Campers has you covered! Use my code Iceland7 to save 7% and get two free duvets with your camper rental. Why Are Iceland's Two-Lane Roundabouts Unique? Roundabouts exist in many countries, but Iceland's two-lane roundabouts come with specific rules that often catch foreign drivers off guard. If you've ever rented a car in Iceland or plan to, knowing these rules will save you a lot of confusion—and possibly a fender bender!The key thing to know about Iceland's two-lane roundabouts is that the inner lane (the one closest to the center) has the right of way. This is different from many other countries where the outer lane might have priority. Here's how it works:When entering a two-lane roundabout, you should choose your lane before entering.If you plan to take the first exit, you should be in the outer lane (right lane).If you plan to go straight or take any further exits, you should be in the inner lane (left lane).Once inside the roundabout, changing lanes is not allowed. This means if you entered in the inner lane, you must continue in that lane until you exit.If you're in the outer lane and another driver is in the inner lane, you must yield to the inner lane driver if they need to exit. This is where most accidents happen because foreign drivers don't expect this rule.When exiting, use your turn signal to indicate your intention, just like you would in any other roundabout. Two-Lane Roundabout Example in Iceland The first image shows two cars entering a two-lane roundabout in Iceland. The orange car is in the inside lane (left) and the pink car is in the outer land (right). Below shows the the exits that the pink car (outer lane) can take. And here are the exits that the orange car (inner lane) can take. This example is showing if the orange car is entering the two-lane roundabout in the inner lane on the bottom and the pink car is coming from the right in t he outerlane. As a reminder, the pink car can either go to the first or second exit. In this example, it will be going to the second exit. Since the pink car and the orange car are in close proximity to each other, the pink car is the one that gives the right of way, since the orange car is in the inner lane. The pink car (outer lane) must stop and let the orange car (inner lane) exit before continuing on to its second exit. Why These Rules Matter? Iceland's road system is designed to keep traffic flowing smoothly, and roundabouts play a big role in that. However, every year, rental car companies report minor accidents in roundabouts because of misunderstandings about these rules. The last thing you want is to start your Iceland adventure with an accident or a costly insurance claim! The Savvy Traveler's Guide to Iceland Whether it's your first time visiting Iceland or you have been several times before, this guide will help you explore Iceland like a local. From the best things to see in every region of the country to hidden gems, I have you covered. Click Here

EVERYTHING IS SO EXPENSIVE! But that doesn't mean you can't get in great shape. In today's podcast we'll give you 10 ways to save money on your workouts and nutrition without sacrificing your results. Why You Don't Look Like You Lift Email Course: https://www.digitalbarbell.com/looklikeyouliftDigital Barbell Program Options: https://www.digitalbarbell.com/options

DOING IT ALL ALONE ISN'T FRUITFUL- It's easy to believe that doing everything yourself is the best way to save money when starting or growing your coaching business. It might feel like a smart move to DIY your website, social media, and bookkeeping, but the truth is, trying to handle it all can cost you more in the long run: more time, more stress, and even lost income. You'll hear how doing too much affected my own coaching journey, and why focusing on your strengths while outsourcing the rest is actually the smartest investment you can make. Key Takeaways: Your time is your most valuable asset—spending it outside your zone of genius drains energy and delays growth. Outsourcing isn't just an expense—it's a strategic investment that helps you serve more clients and make more money. In the early stages of your business, fancy tools and branding aren't necessary—what you really need is paying clients and real experience. Listener Challenge: Grab a pen and paper. List out three tasks you're currently doing that could be delegated or outsourced. Think about what's draining your time and energy—maybe it's admin work, designing graphics, or managing your inbox. Now, take one step toward getting help with at least one of them this week—whether that's asking for a referral, checking out Fiverr, or posting in a coaching group for support. Read this in the Life Coach Blog   Grab your FREE list of Coaching Business Resources and a Business Plan Template! Become a Life Coach Figure Out Who to Coach Start Your Online Coaching Business Join the Coaching FB Community —> HERE Find me @coachlauramalone on IG —> HERE Your 5 star review on Apple Podcasts means a ton✨

Today we're going to chat about a handful of ways when trying to "save" money on your wedding can totally BACKFIRE.  Aside of college educations, new homes and new cars, your wedding likely has one of the biggest price tags you've ever paid. You're spending tens of thousands of dollars - of course you're trying to save money when possible! You're not out there researching the most expensive venue in your area, or trying to find ways to spend more money on your invitations. When a potential photographer or caterer gives you a quote for services, you probably don't say “well that sounds OK, but do you have anything that costs more?” From your engagement ring to your wedding day, you can protect your most cherished memories with BriteCo.  Visit brite.co/wedpod for a fast, free quote today and unlock peace of mind knowing that you're covered! If you've been listening to the Wedding Planning Podcast for a while, I hope you know me well enough now to know that I'm NOT the wedding professional who's going to tell you NEVER to try to cut this corner, or don't DARE hire a friend to do x, y, z. I see this type of messaging a lot. If you do your own wedding day hair and makeup it will totally fail, and you should hire a professional to do it for you. If you skimp on a photographer, you will regret it for the rest of your life. The trouble is, professional service providers in pretty much any industry have an agenda - to sell their product or service. And whether you hear from a wedding professional on a podcast, read their articles on a blog, or see their posts on Instagram, their position is probably that hiring a professional is THE BEST way to go. "After all", they say, "this is your wedding - you can't afford to cut corners on the best day of your life." Well, for lots of this, I call BS. Sure, if you have a wedding budget in the 6-figures, then “hire a professional” is a great option for everything I just listed. But most of us DON'T have $100,000 to spend on our wedding, so making swaps and saves here and there is a necessary part of planning so that we don't go thousands of dollars into debt - NEVER a good idea. In today's show, let's explore some common areas of wedding planning where couples to try to cut a corner, save some money, leave something out, and then sadly have it backfire in terms of lost money, lost time, lost sanity - and sometimes all three. If you find yourselves at a cost-saving opportunity crossroads and you don't know which way to turn, I have some smart questions to ask yourselves, and potential vendors, that I hope will guide you towards making the best decisions for you and your wedding day. So when you find yourself wondering, hmmmmm ... should we cut that corner? What are the potential outcomes or pitfalls that might come of it? Hopefully after today's show, you'll have some solid answers to some of the most common situations, so that you can make the best decision for you. For one wedding, that might mean hiring a photographer off craigslist for $500. For another couple, that will NEVER be an option that's on the table. And you know what? Both sides are totally fine ;) Full blog post available at www.weddingplanningpodcast.co/wedding-pitfall  

Feeling overwhelmed or confused while shopping for dietary supplements? You're not alone. Here are some essential supplement shopping tips to help you make smarter, safer, and more informed choices. Whether buying vitamins, protein powders, or herbal supplements, knowing how to quickly read the Supplement Facts label, spot misleading front-of-label claims, and understand proprietary blends is crucial. I'll also show you how to avoid paying more than you expected so both you and your wallet stay healthy.   Read My Rhabdo Book   Education is the best defense against getting rhabdomyolysis. I've been teaching about rhabdo for over 10 years. If you are in the US, you can order my book directly from me. ·      Purchase My Rhabdo Book ·      Order on Amazon      Supplement Facts Coffee Mug: https://joecannon.creator-spring.com/listing/supplement-facts-mug   Consultations  https://supplementclarity.com/private-consultations/     Get My Rhabdo Book   Education is the best defense against getting rhabdomyolysis. I've been teaching about rhabdo for over 10 years. If you are in the US, you can order my book directly from me. ·      Purchase My Rhabdo Book ·      Order on Amazon     Connect With Me ·      Joe-Cannon.com ·      SupplementClarity.com ·      YouTube TikTok     About Me   For over 30 years, I've been sorting nutrition facts from fiction, busting myths and helping people understand dietary supplements using clinical research as my litmus test. I am unbiased. I analyze the research so you don't have to.   I have an MS in exercise science and a BS in biology & chemistry. I've written several books, including Rhabdo, the first book about exercise-induced rhabdomyolysis.   Disclaimer   Episodes are for information only. I'm NOT a medical doctor. NO medical advice is given or implied. ALWAYS consult your physician for the best health advice for you. I participate in the Amazon Associates program which means if you click on a link to amazon and make a purchase, I may make a small commission at no extra cost to you.      

“The most difficult part about traveling the world isn't actually the logistics of a trip—it's finding the courage to go in the first place.” —Matt Kepnes In this episode of Deviate, Rolf and Matt talk about how his travel style has changed over the years, and how fears affect people’s travels (1:00); strategies for saving money on the road (10:30); and strategies for finding activities on the road, and where to start a long-term journey (19:30). Matt Kepnes (@nomadicmatt), commonly known as “Nomadic Matt,” is a travel blogger and the New York Times bestselling author of Travel the World on $75 a Day and Ten Years a Nomad. Notable Links: The Vagabond's Way, by Rolf Potts (book) Levison Wood (explorer) Van Life before #VanLife (Deviate episode) Home exchange (lodging service) Trusted Housesitters (lodging service) Travel Ladies (lodging app) EatWith,com (hospitality service) The Deviate theme music comes from the title track of Cedar Van Tassel's 2017 album Lumber. Note: We don't host a “comments” section, but we're happy to hear your questions and insights via email, at deviate@rolfpotts.com.

Your 60-second money minute. Today's topic: Trading Down To Save Money

We are back with updates from our trip to California, tips for saving on groceries, and local events.    Show Notes: We are back with updates from our trip to California, tips for saving on groceries, and local events.    35 Ways People Save Money on Groceries How to Save Money on Groceries: 14 Tips to Try  Part of the Machine: Rock and Pinball  Ohio History Connection Ohio History Center  

Scared? Got Questions about the continued assault on your reproductive rights? THE FBK LINES ARE OPEN! Just call or text (201) 574-7402, leave your questions or concerns, and Lizz and Moji will pick a few to address on the pod! Ken Paxton is at it again—arresting a midwife and two colleagues for allegedly providing abortions—so we're shredding him to filth and exposing the absolute horror show Texas is cooking up with its latest anti-abortion bill. And guess what? NO ONE is talking about it! We're diving in. But it's not all doom! We've got Dr. Jamila Taylor, President & CEO of the Institute for Women's Policy Research, breaking down their latest study on how abortion bans are reshaping the workforce—turns out, 1 in 5 people of reproductive age are relocating and demanding their employers step up on repro care. PLUS: JOY ALERT! The one and only Jean Grae is here to kiki about their new memoir, In My Remaining Years. Friendship, mortality, creative genius—we get into it all! And we even give you something to celebrate! Colorado and Maryland? They just scored some major abortion access wins and we have all the deets you need to know.  Times are heavy, but knowledge is power, y'all. We gotchu.  OPERATION SAVE ABORTION: You can still join the 10,000+ womb warriors fighting the patriarchy by listening to our OpSave pod series and Mifepristone Panel by clicking HERE for episodes, your toolkit, marching orders, and more. HOSTS:Lizz Winstead IG: @LizzWinstead Bluesky: @LizzWinstead.bsky.socialMoji Alawode-El IG: @Mojilocks Bluesky: @Mojilocks.bsky.social SPECIAL GUESTS:Jean Grae IG: @jeanniegrigio Bluesky: @jeanofthegraes.bsky.social Dr. Jamila Taylor IG: @TheIWP GUEST LINKS:IWPR Report on Employee Expectations on Reproductive HealthThe Institute for Women's Policy Research Website (IWPR) Center for Reproductive RightsJean Grae's LinktreeBUY: Jean Grae's Memoir “In My Remaining Years”AUDIOBOOK: Jean Grae's Memoir “In My Remaining Years”The Rise of “Extreme Embalming”Jean Grae's Substack NEWS DUMP:Ohio Anti-abortion Rights Lobby Files Complaint Against Company for Telehealth Abortion ServicesNothing Is Compassionate About Forcing Invasive Procedures on Wyoming WomenFive Things to Know About the Minnesota Senator Accused of Soliciting a Teen for SexA New Texas Bill Is Coming After Online Abortion PillsURGENT: The Texas ‘Exceptions' Bill Is a Trojan HorseBreaking: Texas Midwife Arrested on Felony Abortion ChargesColorado Is Projected to Save Money by Covering Abortions for Medicaid, Child Health Plan Plus RecipientsMaryland Poised to Become First State to Use Insurance Surcharge for Abortions EPISODE LINKS:TICKETS: 4/3 Boom! Buzzkilled in DC at The Black CatVOLUNTEER: Join us in Washington DC on 4/2 at SCOTUSADOPT-A-CLINIC: Toledo Abortion Escorts Amazon WishlistThe Conjuring RoomAbortion Fund of ArizonaPlan C PillsAid AccessHey JaneIf/When/HowFIND YOUR REP IN TEXAS VOTE NO: SB2880 / VOTE YES: SB31Operation Save AbortionSIGN: Repeal the Comstock ActEMAIL your abobo questions to The Feminist BuzzkillsAAF's Abortion-Themed Rage Playlist SHOULD I BE SCARED? Text or call us with the abortion news that is scaring you: (201) 574-7402FOLLOW US:Listen to us ~ FBK PodcastInstagram ~ @AbortionFrontBluesky ~ @AbortionFrontTikTok ~ @AbortionFrontFacebook ~ @AbortionFrontYouTube ~ @AbortionAccessFrontTALK TO THE CHARLEY BOT FOR ABOBO OPTIONS & RESOURCES HERE!PATREON HERE! Support our work, get exclusive merch and more! DONATE TO AAF HERE!ACTIVIST CALENDAR HERE!VOLUNTEER WITH US HERE!ADOPT-A-CLINIC HERE!EXPOSE FAKE CLINICS HERE!GET ABOBO PILLS FROM PLAN C PILLS HERE! When BS is poppin', we pop off!

Managing pests like powdery mildew, downy mildew, botrytis, and sour rot can be a complex challenge. Andy Fles, Vineyard Manager at Shady Lane Cellars in Michigan, shares insights from his USDA Sustainable Ag Research Education producer grant project. The project compares two pest management approaches: a ‘soft' pesticide program and a conventional one. Andy conducted the experiment using his on farm sprayer, providing real-world results. Despite climate variability and fluctuating pest pressures, the soft pesticide program proved effective. The project underscores the potential of using softer chemistries to manage disease while maintaining fruit quality. Resources:         REGISTER: April 25, 2025 | Fungicide Spraying: Evolving Strategies & Grower Insights 80: (Rebroadcast) The Goldilocks Principle & Powdery Mildew Management 117: Grapevine Mildew Control with UV Light 197: Managing the Sour Rot Disease Complex in Grapes 219: Intelligent Sprayers to Improve Fungicide Applications and Save Money 235: Battling Fungicide Resistance with Glove Sampling Rufus Issacson, Michigan State University Shady Lane Cellars Secures $11K National Farming Grant Timothy Miles, Michigan State University Vineyard Team Programs: Juan Nevarez Memorial Scholarship - Donate SIP Certified – Show your care for the people and planet   Sustainable Ag Expo – The premiere winegrowing event of the year Vineyard Team – Become a Member Get More Subscribe wherever you listen so you never miss an episode on the latest science and research with the Sustainable Winegrowing Podcast. Since 1994, Vineyard Team has been your resource for workshops and field demonstrations, research, and events dedicated to the stewardship of our natural resources. Learn more at www.vineyardteam.org.   Transcript [00:00:00] Beth Vukmanic: Managing pests like powdery mildew, downy mildew, botrytis and sour rot can be a complex challenge. [00:00:10] Welcome to sustainable Wine Growing with Vineyard Team, where we bring you the latest in science and research for the wine industry. I'm Beth Vukmanic executive director. [00:00:21] In today's podcast, Craig McMillan, critical resource Manager at Niner Wine Estates. With Longtime SIP Certified Vineyard and the first ever SIP certified winery speaks with Andy Fles, vineyard Manager at Shady Lane Cellars in Michigan. Andy shares insights from his USDA Sstainable Ag Research Education Producer grant project. The project compares to pest management approaches, a soft pesticide program and a conventional one. [00:00:50] Andy conducted the experiment using his on farms sprayer, providing real world results. Despite climate variability and fluctuating pest pressures, the soft pesticide program proved effective. The project underscores the potential of using softer chemistries to manage disease while maintaining fruit quality. [00:01:10] If you'd like to learn more about this topic, then we hope you can join us on April 25th, 2025 for the fungicide spraying evolving strategies in Grower Insights tailgate taking place in San Luis Obispo, California. Dr. Shunping Ding of Cal Poly will share updated results from a study on the efficacy of different fungicide programs containing bio fungicides. [00:01:34] Then we will head out into the vineyard to learn about new technologies for integrated pest management and talk with farmers from different growing regions about their program. Now let's listen in.  [00:01:49] Craig Macmillan: Our guest today is Andy Fles. He is the vineyard manager at Shady Lane Cellars in Michigan. And today we're going to talk about a pretty cool little project. He's got going looking into two different pesticide programs. Thanks for being on the podcast, Andy. [00:02:03] Andrew Fles: Yeah, my pleasure, Craig. [00:02:05] Craig Macmillan: So you have a grant from the USDA sustainable agriculture research and education program. To look at what you call a soft pesticide program for your vineyard in Michigan and comparing it to what we would call a sustainable or sustainable conventional program. What do you define as a soft pesticide program? [00:02:25] Andrew Fles: Well, that's kinda just a, a term that we applied to identify it. I didn't want to use organic because I thought that there would be a good chance we would utilize things that are considered by the industry to be very soft in terms of you know, they're not a harsh chemical or a carcinogenic, a known carcinogenic compound. [00:02:49] But something, for example, like. Like horticultural grade peroxide, which goes by several different trade names. So that's just, it's hydrogen peroxide and it is a disinfectant that turns into water and oxygen. So it's pretty Soft in terms of what it does to beneficials and, and plants and, and such. [00:03:11] We utilize some of those products already in our spray program. But combined also with, we're probably 50 percent organic in terms of what we spray out. for fungicides, pesticides, insecticides. And so we're still altering in some synthetic compounds. [00:03:28] And we wanted to compare that, what we currently do, to something that was much softer, like only soft compounds. Something that could be considered a OMRI certified organic program, or, or almost, right? Like maybe there's just one or two things that are very soft, but not technically OMRI certified. [00:03:49] Craig Macmillan: Right, and I do want to , get into the weeds on that a little bit later. Cause it's a, it's an interesting, Set a program that you've got going and I have lots of questions about them. What inspired this project? [00:04:01] Andrew Fles: I think just that continued movement towards investigating what works here in the east. You know, we, of course, get more wetting events and, and wetting periods that cause more fungal issues here compared to the west coast. And so we really, you know, we have to have an eye on sustainability. Certainly at Shady Lane, we really push for that. [00:04:25] But we also need to make sure that we have a marketable crop. We need to make sure the wine quality is, is high and acceptable for our standards. And so you know, if we're talking about, you know, every year is quite different here. We can get a, like, for example, in 2024, very wet in the first half of the year, very, very dry in the second half. [00:04:51] And, and then, which was quite different from 23 and quite different from 22 and so on and so forth. so, so some years we need to kind of step in and use a synthetic product here at this key time or, you know we need to protect our, our, our wine grape quality. [00:05:07] Craig Macmillan: What are the primary pests and diseases in your area? [00:05:11] Andrew Fles: So we have issues with the usual suspects that powdery mildew, of course. That's, that's fairly, I think if you're on top of your game, that's, it's pretty controllable. Even with soft products here it's just a spray frequency and coverage issue. [00:05:27] Downy mildew is something that can be quite challenging in certain years. [00:05:31] And there's, and there's less tools in the toolbox to use for that as well. And so you gotta, you gotta be on top of that with scouting preventative, like canopy, you know, canopy management practices that deter too dense of a canopy or, or clusters that are. hidden behind several layers of leaf. [00:05:53] Those are going to cause problems for you no matter what you're spraying, synthetic or organic, right? So, so we try and utilize all those things and and then we, we can also have issues in some years with botrytis and even sour rot and tight clustered varieties. So, so we were looking at sour rot and botrytis in the, in the cluster analysis of this portion of the , project. [00:06:18] Yeah, we have some locations can struggle with grape erinium mite. That's becoming more and more prevalent here. Wasn't an issue four years ago. Not, not really up in, up in northern Michigan anyway. So that's becoming more and more of an issue. And then we always struggle with rose chafers. It's a, it's a grub that, you know, comes out for six weeks and really terrorizes the vines. [00:06:49] And for that, for that pest, we really walk the line of the economic damage threshold, right? So, so a little, you know, we're going to see rose chafers every year. Some years are better than others. And what is our acceptable damage, you know? And so, once we see the rose chafers really getting dense in number, and also, you know, munching on a few leaves is one thing, munching on the clusters and the shoot tips is another thing. [00:07:21] Craig Macmillan: That's what I was going to ask. Yeah, I'm unfamiliar with this this pest. It, skeletonizes leaves, but it also will attack flower clusters and, and grape clusters in the early stages of development. Is that right? [00:07:34] Andrew Fles: Pretty much all green tissue. Yeah, a bunch of shoot, shoot tips leaves are probably, you know, their preferred source, I think, but anything tender. And so if, if the timing is just right where the, the inflorescences are, are you know, just coming out when the, when the beetles hatch, then they can really go for those cluster tips and, and shoot tips. [00:07:59] While we're scouting for this pest, we not only do the, you know, the density numbers and annotate that, but we look at, you know, how many are actually eating leaves versus shoot tips and clusters. [00:08:13] Craig Macmillan: Interesting, interesting. What is the design of your project and what varieties are we talking about? And what kind of variables are you measuring and how are you measuring them? [00:08:25] Andrew Fles: this is a farmer grant as opposed to a research grant. , it's tailored to folks that want to do on, on farm trials. And we want to do. Something in a significant enough volume, you know, that, that some that it would apply, it would be more applicable in the real world. [00:08:45] So for example you know, at a university they might do this randomized plots, you know, and they're using a backpack sprayer because they're, they're applying you know, three vines here, three vines there, scattered all throughout the block. And we wanted to use the sprayer that we actually use. [00:09:04] Um, and we wanted to do a bigger sections. And so what we did was we broke it up into two acre sections and we did two acres of both the traditional, the conventional program that we normally would do here and the soft treatment. So we did two acres of each in pinot noir, two acres of each in a, in a French American hybrid called ol, and then two acres of Riesling. [00:09:33] And we wanted to look at powdery, downy, botrytis, and sour rot. [00:09:38] In certain years, we can have quite a lot of botrytis and sour rot pressure in those three varieties. Because Pinot Noir of course is tight clustered. Vignole is even tighter clustered despite having that French American disease resistance package. It, it doesn't possess that for Botrytis or Sour Rot. [00:09:58] and then of course Riesling is a, is a very, it's probably the number one variety in Michigan. And as we all know, it's susceptible to Botrytis. [00:10:08] Craig Macmillan: Yeah. Big time. [00:10:10] Nice design. Great varieties to choose. I think that was really, really smart. How are you going to quantify these different variables? How are you going to measure the damage? [00:10:18] Andrew Fles: So for Powdery and Downey we just kind of did a scouting assessment. You know, how, prevalent is the infection based on how many leaves per, per per scouting event? I think off the top of my head, it was like 25 leaves. Per block that's more, I guess, anecdotal which we, and we did see that in the Pinot Noir, it was pretty clear cut that we struggled to control Downy in the soft treatment more so than in the conventional treatment. [00:10:50] It was, it was pretty clear there. And then as far as the Botrytis and Sour Rot, so that's really where the MSU team came in with the, the Rufus Isaacs lab and Dr. Rufus Isaacs and his master's PhD candidate. They did a lot of work there and, and then also the Tim Miles lab , so basically what they did is they took 25 clusters of each treatment and they did an assessment , for of course, how many berries were infected by, by botrytis and sour rot. [00:11:25] And then they also took those clusters and they hatched them out to see how many Drosophila species were there. [00:11:33] Craig Macmillan: Oh, okay. Yeah, good. That's interesting. [00:11:36] Andrew Fles: Wing drosophila here in Michigan and so really it was just the two species of traditional vinegar fly, drosophila, and then spotted wing. They did, you know, the, the statistics on that. [00:11:50] Craig Macmillan: interesting. And this is, this is a multi year project, right? [00:11:54] Andrew Fles: This was just one year. [00:11:56] Craig Macmillan: Just one year, okay. [00:11:58] And when will you have final results? [00:12:01] Andrew Fles: I have some of those already. We're going to do like a more formal presentation at a spring meeting here, a grower meeting, that's kind of co sponsored between MSU Extension and a local non profit that promotes grape and wine production in the area. So yeah, we're going to make a presentation in April on on the results and, and kind of, we're just continuing to, coalesce and, you know, tie my spray program with wedding events and then the results that they got as well. [00:12:37] Craig Macmillan: What other kinds of outreach are you doing? You're doing the meeting and you're doing other things? [00:12:41] Andrew Fles: I haven't discussed this with with Rika Bhandari as the PhD student. I suspect that she would use this in some of her publishing, you know, whether it gets published, I don't know, it's part of her Her main focus is sour rot, so this will be included in some of her presentations. [00:13:03] But I don't know that for a fact. [00:13:06] Craig Macmillan: That's exciting to get some information that's local. It's locally based and get it out to the local community as well as the broader community. I think that's really important if you don't mind I would like to get into some of the nuts and bolts of these two programs because I found that to be very interesting And then as we go talk about How that panned out for the different pests and diseases that you saw in these trials Let's talk about the soft program first You've got a dormant oil app in May and I assume you mean that there would be like JMS stylet oil or something like that [00:13:41] Andrew Fles: I think it was called bio cover. [00:13:43] Craig Macmillan: Bio cover and that's a pretty standard practice in your area I would guess [00:13:48] Andrew Fles: It is, yeah. [00:13:49] Craig Macmillan: and then the following month in June You, uh, have copper in the mix. In both the traditional and in the soft chemistry. I'm guessing that's also a common practice in your area. Probably for downy and for powdery. [00:14:06] Andrew Fles: Yeah, the copper is is something that we've been leaning towards and getting away from some of the synthetics. Which stick better to plant surfaces, we've been migrating that way anyway, these last numerous years now and so, yeah, , there are some similarities between the two programs at times it's really those key times of pre bloom and post bloom and variation that that we've traditionally. [00:14:34] Really locked in on some of the synthetic chemistries here [00:14:37] Craig Macmillan: And then also in June you have a Serenade Opti, which would be a Subtilis based material. And I believe that's also in your conventional in July. That's pretty standard practice, and that's an OMRI certified product, I believe. [00:14:52] Andrew Fles: Yes, yeah. [00:14:53] Craig Macmillan: There's some overlap there. It looks like the Rose Chaffer comes out around this time. [00:14:59] Andrew Fles: Yeah, probably it's not in front of me, but probably mid june [00:15:04] Craig Macmillan: Yeah, that's what you have here. In the traditional you've got a, a neonic, a sale. And then in the program, there's kind of a question mark here. What did you end up using in the, in the soft program for a roast chaffer? [00:15:19] Andrew Fles: Let me find it here [00:15:21] So we used neemix 4. 5 [00:15:26] Craig Macmillan: Nemix. I'm not familiar with that. Is that a Nemo based product? [00:15:28] Andrew Fles: Yeah, it's a neem oil [00:15:30] Craig Macmillan: And then in the traditional you have a neonic, a sail. Did you see a difference in Rose Chapter damage between the two? Because this is a pretty big difference here. [00:15:39] Andrew Fles: a pretty big difference in terms of [00:15:42] Craig Macmillan: Well, the modes of action obviously are very different. [00:15:45] Andrew Fles: Oh, sure, sure. Yeah, we had a little higher a little higher prevalence of rose chafers in mostly in the Pinot Noir treatments. Not so much in the Riesling, and I think that's largely because of black location. Traditionally the Pinot Noir block is our worst, one of our worst blocks in terms of rose chaffer rose chaffers are these beetles. [00:16:09] Of course, they're very similar to Japanese beetles for those listeners that, that may know that, but they really thrive in sandy soil, which is what we specialize here in northern Michigan, sandy based soil, right? [00:16:22] , and especially in un mowed fields. Right? We've really been trying to manage , our headland spaces like a prairie even more so upon joining SIP and, and learning more about making a comprehensive farm plan of, Of all of the land, right? And so we've really managed our, headlands and open fields like prairies which means minimal mowing, [00:16:47] like once a year is what we, we just mow to keep the autumn olive out. And and so we're trying to promote, you know, bird life and, and. All forms of life in these fields, which includes and sometimes an increase in rose chafers. [00:17:03] However, this 2024 was, was a. Fairly low pressure year. [00:17:09] And so I was very comfortable with, with sticking with this the soft insecticide. And we didn't feel like, you know, even though we saw this, this increase in pressure in the soft treatment, it wasn't surpassing the economic damage threshold that we are really keen. [00:17:27] And right. IPM [00:17:29] Craig Macmillan: So, true IPM. [00:17:31] Andrew Fles: IPM is very important, here, you know, where we have all these insects and it rains a lot and, you know, you got to really. Be ready to to, to scout and then react. [00:17:41] Craig Macmillan: Exactly. Yeah. And knowing what your economic injury limit is, I think it's huge. And your action threshold based on that. Tell me a little bit about the Spinosad based products. You have a couple in the soft that I assume are meant to be insecticides. [00:17:55] Andrew Fles: Yeah. The delegate. Yup. [00:17:56] Craig Macmillan: Yeah, Delegator and Trust. [00:17:59] Andrew Fles: I'll talk a little bit about intrepid as well. That's probably a foreign thing for any, any West coast listener, but that's intrepid is a it's a molting regulator and it's essentially for, in this case, for grapes, it's for grape berry moth. And this is an insect that is very difficult to do IPM on because there's a, there's kind of a morph that lives in northern Michigan that doesn't Go for the traps and so you can put traps out and it you just have no idea what's going on Because they just don't really care for the pheromones so they're really almost impossible to trap and I've talked numerous time with dr Rufus Isaacs about this and how do we you know get a handle on populations and you know They just can't get their traps to work up here. [00:18:50] We target with the intrepid, it's a, again, it's a molting regulator, so it just prevents them from developing, and it's very specific it's not a broad spectrum, so that goes on as a preventative where we have blocks near the woods, [00:19:05] because we see great berry moth coming in from wild, wild vines [00:19:10] that may or may not be in the woods, but we Where we see larva hatching is, is just kind of a perimeter. [00:19:16] So what we'll actually do is a perimeter spray. We don't even spray the whole block. We'll spray the outside row or two or three of each end. And then we just kind of blast it in. Along the, the other, you know, along the posts, the end posts. And that seems to work fairly well. [00:19:34] Craig Macmillan: Huh. [00:19:35] Andrew Fles: And then, as far as Delegate goes and Entrust those are Spinoza based products like you mentioned. [00:19:42] Those are primarily, you'll see that we put them on, well, I don't know if you can see timing, but we put them on. in September. Yeah, at the end of the season. September. [00:19:53] Yeah. Yeah. So, so those go on right around or right before even version and that is for drosophila [00:20:01] I think there's been some research recently from Cornell and then also Brock University in Canada. And I know also that Tim and Rufus have been doing trials here in Michigan as well. between the three of us out here in the, in the Northeast we're very focused on sour rot. [00:20:19] And so Michigan State along with these other folks have done these trials where they found that including an insecticide at veraison or, and then also at about 15 bricks significantly reduces sour rot infections. And that's because you're going after one of the vectors. [00:20:39] Craig Macmillan: Interesting. There's another material that I wasn't familiar with. I did a little bit of research on it. That's a product called Jet Ag, which is a hydrogen peroxide, a peracetic acid material. You have that in both the soft chemistry and your quote unquote conventional section. Is that a material you've used for a long time? [00:20:57] Andrew Fles: Yeah, we, I forget when exactly it started coming around I think probably 2015, 16 is when it was maybe released or made its way to northern Michigan and kind of coincided with with some sour rot. Issues that we have had off and on over the years with Pinot Noir or Vignole. And it's a, you know, it's a strong hydrogen peroxide. [00:21:23] It's a heavy oxidizer. It goes in and it, it, it cleans everything up. You know, it disinfects. And there's, there's some thinking as well that it, it'll kill the yeast. And some of those yeasts, the aroma is very attractive to spotted wing drosophila and regular drosophila. And so if you're, if you're kind of this is probably something that, that people, you know, that rely on native ferments might not want to hear, but you know, it really, it really disinfects the fruit which, which is key for You know, controlling sour rot. [00:21:59] And so we've used that over the years as both a preventative and a curative treatment. [00:22:05] Craig Macmillan: Right. [00:22:06] Andrew Fles: I didn't actually end up using it this year because It essentially stopped raining it was almost west coast ian here in the fall. It stopped raining in August and it didn't rain again. [00:22:19] You know, I mean, aside from like just a, you know, very, very light mist that wouldn't even penetrate the soil deeper than a centimeter. You know, so we didn't get any appreciable rain. From, I think it was maybe August 5 or 10, all the way till November 31st, or sorry, October 31st. [00:22:39] Craig Macmillan: Actually, that raises a good question. So, what is the summer precipitation like, quote unquote, in a normal year or an average year? [00:22:48] Andrew Fles: Yeah, we've been having, [00:22:49] Craig Macmillan: is it? [00:22:52] Andrew Fles: it's so variable is the, you know, we keep coming back to that. Every season is different here and it's so true even in Northern Michigan we have seen climate change affecting our summer rainfalls. So, whereas, you know, traditionally, and I say traditionally as maybe like the 80s and 90s maybe even early 2000s, you would expect to see, you know, a good four to eight inches a month. [00:23:20] you know, less, less so in, you know, in July and August is walking that more like four inch. Four inches of precipitation and you can get that sometimes in two different days [00:23:33] Craig Macmillan: Wow. [00:23:34] Andrew Fles: And that could be all or it could be spread out, you know over over several 4, 5, 6, 7, 8 different events. we had a dry June a couple years ago, I think we, I think it rained two days and amount to much. [00:23:50] And 2023, all of May we had, it rained one day. It was very dry. And so it's really been a roller coaster here in terms of what to expect as far as precipitation comes, I mean during the growing season anyway. [00:24:08] Craig Macmillan: Mm hmm. [00:24:09] Andrew Fles: It's been a challenge to know, you kind of have to have all these tools ready, right? [00:24:13] You have to have your jet ag ready. [00:24:15] If you get a bunch of infections going you got to have some of these other products ready and just , be ready for anything essentially. [00:24:24] Craig Macmillan: That, I'm just kind of reeling, I'm from California, and so like four to eight inches of rain during the growing season, it sounds like a fungal disease disaster to me. I'm impressed that you can get a crop, a vinifera crop to, to harvest with those kind of conditions. [00:24:39] Let's talk about the sustainable conventional program a little bit. Again copper appears early which would make sense. Then the insecticide portion would be a sale. It's a neonicotinoid, and then you've got a couple of fungicides in here. [00:24:55] You've got sulfur, and you've got a boscalid. Then in July again you've got a subtilis, that's serenadopty, and the, the intrepid, the IGR. August, you've got another neonic rally, and then you've got a product called ranman, or ranman. Which is a Sazofenamide, again, traditional fungicide. And then Inspire Supert, verasion, very common. And then you've got the the JetAg and Delegate, which is an antispinosid based product. When I look at this, I see a lot of very safe, very smart, very rotated fungicide chemistries here. Was this the kind of program you were using previously? [00:25:34] Andrew Fles: Yeah. And you know, it always can change a little bit. Sometimes you can't get a certain product or you can't get it in time. [00:25:42] Uh, whereas, you know, you, you're planning to use X product for your, for your kind of like You know, your, your pea sized berry spray, let's say but you, all of a sudden you have a bunch of rainfall, you know, and, and so if I was planning to use Quintech, which only covers powdery all of a sudden I have this big wedding event that was just perfect for growing downy mildew I I might switch from Quintech to and vice versa, you know, if we're, if we're into some weather, that's really favorable, it's time to push more of those serenades and you know, we've used some of the other biologicals over the years as well and, and just trying, trying to go that way as much as possible, but, you know, sometimes the weather forces your hand, like, like it did this year, you'll see in my, In my program we went into some Randman and some [00:26:35] Zampro, and those are those are very specific to to downy mildew. [00:26:41] You know, but we're still, with those products, you know, they're more expensive than something like Kaptan, you know. We Can't spray that with sip and we didn't spray it before because we don't want it on our fingers [00:26:56] The vineyard you and I don't want it in our lives So so we're always trying to go the ran man route, even though it's a little pricier, but it's very Target specific for Downey and so, you know with all the rains that we had in June and July and early July we felt like the smart play and we did start seeing some downy mildew cropping up much earlier than normal. [00:27:21] If, if we see it at all, that is. in that, at that point you want to make the call, you know, Hey, I want to get out in front of this thing. I don't want downy on my fruit. You know, if you start seeing it on growing tips, I think it was the 4th of July or the 2nd of July or something we were scouting and we were getting a lot of rain at that point and it was very humid and it was just like rain every other day for about a week there and it's like you gotta pivot and, and make the move to something that's really going to provide. control there. [00:27:52] For the soft program at that point, we were trying to use, I believe we use serenade, you know, which is more broad spectrum as far as biologicals go. We knew we wanted to keep it going after the, , the Downey with the soft chemistry. And that's why we got into the orange oil as well. [00:28:10] Craig Macmillan: Oh, interesting. [00:28:11] Andrew Fles: to, Yeah, that's, that wasn't in the proposal that I sent you, but we did pivot. I couldn't get. The cinerate it was, I was told it was on the West coast, growers were hoarding it and none of it, none of it made it over this way. I was really hoping to get my hands on some of it. [00:28:28] I've already pre ordered my 2025 cinerate. [00:28:32] Craig Macmillan: And Cinerate is a cinnamon oil based product, right? [00:28:36] Andrew Fles: Correct. Yeah. Cinnamon oil. oil. Yeah, it's another oil. [00:28:39] Yeah. Yeah. It's another one of those kind of antimicrobial oils, if you will. Um, So we pivoted to, to orange oil and thyme oil. TimeGuard has been, is a product that's been out for a number of years now. We've used it before, , we haven't really relied on it as much in the past. As, as we did with this soft treatment. [00:28:59] Craig Macmillan: Tell me a little bit more about what the outcomes have been at this point. We talked about the the pinot noir a little bit. We talked about the Rose Shafter showing up there a little bit more. At, at the end of the day, the end of the season. How did you feel about it? How did you feel about comparing the two [00:29:15] Andrew Fles: you know, it felt, it felt really good. It seemed like the soft program kept pace with the conventional for the most part. In the Pinot Noir, we had we had some more rose chaffer damage, of course, but without doing a, a full on research trial, it's hard to say that it was the treatment alone because of, as I mentioned, the location was a big factor. [00:29:38] With the downy mildew, it seemed to be a little more prevalent, certainly in the Pinot Noir on the, on the soft program that is but it never got to the point and I was, I was always ready to go in with whatever I needed to, because we don't want to have a defoliation and not being able to ripen fruit, you know, the fruit and, and especially in such a great growing year. [00:30:01] we never really resorted to. You know, breaking the glass and, and grabbing the ax and running out there and like, and it was emergency, you know, we never, we never had to do that. There was a moment there in July where, you know, where would the downy pressure we thought maybe. [00:30:19] Maybe we would have to abandon it, but then things dried up and we kept after things with with some of these, these things like thyme oil and orange oil. Getting good coverage with them is so important. But getting those on at the right time really seemed to provide enough control. [00:30:37] Craig Macmillan: Actually that's a, that's an excellent point. Let's talk about the phenology a little bit. How, for the varieties that you're growing, how big are these canopies getting? What's the spacing that they're planted on? How many gallons per acre are you using in your spray applications to get good coverage? [00:30:54] Andrew Fles: Yeah, so for the purpose of the project I stuck with 50 gallons an acre throughout the season. Which even, even for the conventional portion, traditionally I'll, I'll start with 30 gallons an acre aside from the dormant spray, of course, but like, you know, early season sprays until the canopy becomes a little denser, , I'll be at 30 gallons an acre and then probably mid July post bloom, right around bloom, perhaps , we'll ramp up the conventional to 50 gallons as well. [00:31:26] For the purposes of this, we just did 50 gallons across the board, both treatments. a lot of the canopy is well, it's really all VSP except for the vignole. Vignole is high wire cordone. And then we're talking nine by five spacing. The vinifera as well, which is pretty common around here. Double geo some spur pruning. We've really developed a kind of a hybrid system where we do a little bit of, we kind of mix cane and spur , , and alternate those in, in some of our venefera programs. [00:31:57] Craig Macmillan: And in, on the same plant? [00:31:59] Andrew Fles: Yeah. Sometimes. [00:32:01] Yeah. [00:32:01] Craig Macmillan: one side, gator the other. [00:32:03] Andrew Fles: What that does for us you know, where we get. Or we can at least, you know, and we can, sometimes we can lose a whole cane , or a lot of buds. I don't want to get too in the weeds on, on what that system is, but, but it's really developed around being able to quickly replace and adapt to cold damage. [00:32:24] And so if we need to go in and cut a trunk out, we've already got a cane growing from down low, if that makes any sense. [00:32:31] Craig Macmillan: No, that does make sense. And it's a practice that I'm familiar with from other areas in the Midwest, the North, the Northeast. Very, very smart. But that's a very different canopy architecture than you might find someplace that's all VSP. Or, you know, a double canopy situation maybe like in New York. [00:32:48] How comfortable are you now? After going through this, it sounds like you liked the softer program, you feel you got good control on most things. But if I'm understanding you correctly, you're not afraid to keep some other, other tools in the toolbox, basically. [00:33:05] Andrew Fles: Right. Yeah. And I think a big purpose of this program was to investigate some of these products. I want to highlight Problad Verde as well. [00:33:14] That's. Another one that's been out there and we've used it before as well. You know, I did a trial with Tim Miles's lab on and Rufus doing a sour rot trial in Pinot Noir in the past with pro, and it was just kind of a end of the season application of Problad with I believe we use delegate or in trust. [00:33:34] I can't remember. One of them and, this project, the SARE project was really looking at problad as being more of the backbone , of it. And, and so we ended up using that for the soft treatment pre bloom, post bloom. And then again, at version, because it has similar to jet egg, it's kind of a disinfectant, right? [00:33:57] It's this lupine seed extract that, that is a. That is a disinfectant and so it's going to go in, but because it, it's advertised anyway as having some systemic activity, [00:34:09] Craig Macmillan: Mm [00:34:10] Andrew Fles: systemic properties, that's, that's key for us in the east here. Because, hey, if we get a half inch of rain, well, it's still kind of in the leaf or it's still in some of that green flower tissue. [00:34:24] Before it opens up and blooms and so, really working problad in as instead of a kind of just end of the season toy it's really became, became the backbone of the tritus control for us in this, in this trial. And then again, looking at some of these oils, I think there's a lot of promise for. the orange oil in particular, I've, I've been seeing more and more research coming out about how you know, it does work on Downy and we did see that you know, even though we had an increase in Downy infection man, it could have been a lot worse. It was still at an acceptable level. [00:35:02] And so I think, I think I'm going to feel more and more comfortable using those products. [00:35:07] Craig Macmillan: You've demonstrated to yourself. And that's what the, that's how it works, and that's what everybody needs, to have some confidence. Which I think is really great, I was very impressed by the idea of trying things that maybe are not widely used, were not widely tested outside of maybe the West Coast, and to be able to show efficacy on your property, I think is really important. [00:35:27] I think it's one thing many of us have learned about softer materials. They may or may not work depending on what your pressure is. And that can vary region to region, but it can also vary within a region. It definitely can vary year to year, so having that flexibility that you've built into this program is very admirable. What would you say are the big picture benefits of the soft pesticide program at this point? [00:35:48] Andrew Fles: Hopefully just to increase awareness of, of how they can be effective for folks here in Michigan or, or similar climates, New York and Canada, I should say I don't think , this SARE project alone is, is going to be any sort of groundbreaking news, but I think it's just another verification and if we start to have more and more of them people will believe more and more in these products because it's just, it's at that point, it's word of mouth, right? [00:36:21] It's more and more growers are starting to back it. And, or experiment with it at least and, and see results, I think a lot of growers are very word of mouth oriented anyway. [00:36:34] So, uh, so it's very important, like, Oh, Hey, what did you try last year? And I think there's plenty of that going on in our area. [00:36:42] A bunch of us anyway, we seem to network pretty well and, and trust each other. , Oh, I use this at this key time and it really proved effective. So I think just bringing more and more awareness to these soft programs or these soft products, I should say. , and I can't really speak to the sustainability of. Farming lupin seed for for a fungicide product, you know, I can't, speak to that, but I want to believe that it's, it's a more sustainable product than, you know something that was made in a factory and, and might have petrochemicals in it. [00:37:19] Craig Macmillan: Well, it might have resistance issues as well, I think is one of the key things. And by the way, both programs I thought were very intelligent. I think like in terms of the frack rotations in the sustainable one, I thought that was really well done. Is, is there one thing that you would tell growers? [00:37:35] What's the one takeaway you would tell people from this project? You just kind of touched on one, but is there a message here for people? [00:37:43] Andrew Fles: I think the message is, you know, that we have to be really careful in crafting our. Spray program to the season that we have. If we were getting A lot more rain in September than what we ended up having I mean, we were, we were in pretty severe drought here. I think the soft program could still work. [00:38:03] But you have to choose the product and probably apply it much more frequently. You know, you have to go in and respond to those rains. , or even maybe perhaps be ready to pivot to something that is synthetic and systemic and curative. You know, maybe you have to go in with a hammer, but that doesn't mean that, you know, the majority of this growing season can't be done in a very soft way. [00:38:30] And so we're really just responding to that weather. But I think if this is our focus , to use these softer chemistries on things that we're going to drink or eat, even if it's vegetables, I think that these products are becoming better and better and there's becoming more and more of them, which is really encouraging to see you know, 10 years ago, maybe we had serenade and And you know, a couple of other products, but now, now there's, they're really becoming prevalent. [00:38:58] And so I think the take home is, is crafting that spray program with these new found tools that we have. Problads, , your crop, , your what, what should I call them? Like your aromatic oils, lack of better term, like orange oil, thyme oil, cinnamon oil. You know, I think these things do have a place. [00:39:17] Craig Macmillan: Where can people find out more about you? [00:39:19] Andrew Fles: Well, they can visit ShadyLaneCellers. com and there's stuff in there about our farm and in what we do and where we are, who we are a little bit. And then also there will be, and I could get you this information if you're interested, so this spring meeting where we're going to present the results of this believe we'll have a Zoom link option. [00:39:43] Craig Macmillan: As a reference date, this is being recorded in February of 2025. And so spring meeting will be coming up in a few months from here. I'm not sure when this will air, but even anything is fantastic. So I really want to thank you for being on the episode. Our guest today was Andy Fless, he's Vineyard Manager at Shadyland Cellars and you've been a great guest. Hey, thanks for being on the podcast. [00:40:03] Andrew Fles: My pleasure, Craig. Thanks a lot for having me. [00:40:08] Beth Vukmanic: Thank you for listening. Today's podcast was brought to you by Martinez Orchards. Martinez Orchards is one of the most trusted and respected names in the nursery business. They have earned that reputation through years of hard work, honesty, integrity, and a commitment to their customers. They provide support with their knowledgeable salespeople and highly experienced production team. They know successful plantings allow them to fulfill their promises, and they strive to build lasting relationships with their customers based on a foundation of mutual steadfast trust. [00:40:40] Make sure you check out the show notes for links to Andy at Shady Lane Plus. Sustainable wine Growing podcast episodes 117. Grapevine Mildew Control with UV Light 219 Intelligent sprayers to improve fungicide applications and save money. And 235, battling fungicide resistance with glove sampling. [00:41:03] If you liked this show, do us a big favor by sharing it with a friend, subscribing and leaving us a review. You can find all of the podcasts@vineyardteam.org slash podcast and you can reach us at podcast@vineyardteam.org. [00:41:16] Until next time, this is Sustainable Wine Growing with the Vineyard team.   Nearly perfect transcription by Descript

Experts say we need to be 40 per cent more energy efficient to meet our climate goals. Is that doable? And might it save us money too?It's a solution that's been called the main route to net zero: energy efficiency - or using less energy to get the same or better results. But there's an issue – it's got an image problem as many people think it's boring. And it is hard to get excited about the idea of better lightbulbs!But energy efficiency could save us money on our bills too - especially in a warming world, where many countries will need air conditioning just to function. So does this crucial area in the fight against climate change need a rebrand. And could it even become sexy?In a programme first broadcast in 2024, Presenter Jordan Dunbar talks to: Dr Rose Mutiso - Research Director Energy for Growth Hub Prima Madan – Director, Cooling & Energy Efficiency, International Natural Resources Defence Council, India Kofi Agyarko – Director of Renewable Energy and Energy Efficiency, Ghana Energy Commission Thomas Naadi – BBC Correspondent, GhanaProduction Team: Ben Cooper, Octavia Woodward, Brenda Brown, Simon Watts Sound Design: Tom Brignellemail: theclimatequestion@bbc.comNOTE: The speech made by President Jimmy Carter mentioned in the programme, was made in 1977 not 1974, as stated.

Episode 123: of the American Grown Podcast in the Colortech Creative Solutions studios with Tom Gerhart President of Gerhart Financial Services.In this episode Tom shares with us his story from playing under Friday night lights to earning a spot with the Philadelphia Eagles. GO BIRDS! After spending some time playing professional football he made the decision to take his drive and ambition into the world of finance. Tom started his finance business and later launched The Anne Fund to honor his late mother. The Anne Fund is a 501c3 nonprofit organization that funds Cancer related Organizations that provide treatment and aid to our community.To learn more about The Anne Fund click here: https://www.theannefund.comTo Learn more about Gerhart Financial Services click here: https://www.gerhartfinancial.comThis episode is brought to you by these sponsors:College Knowledge Foundation. Your path to higher education.Angelo's Pizza. Enjoy mouthwatering Italian dinners.Boyer's Tavern. Proper food & drinks made by slightly improper people.Triggered 22. Support a local veteran and help spread awareness for PTSD & #22aday.Cleona Coffee Roasters. A small batch coffee roastery & coffee shop, veteran & first responder owned located inside 911 Rapid Response in Annville PA.Modern Gent Customs. We don't make basics...We make statements.Hains Auto Detailing. Have your car smiling from wheel to wheel. After a trip to Josh your car will look better than brand new.Hossler Engraving. Looking for unique handcrafted gifts for all occasions Zach has you covered.Take a sip or snack break.SIP: Garage Beer.SNACK: Jurgy.OFFICIAL STUDIO SPONSOR: Colortech Creative Solutions. Colortech Creative Solutions takes your creative projects from visualization to realization. We've been doing so since 1980 all while keeping your budget in mind.To see photos of today's guest follow our Social media: IG- https://www.instagram.com/americangrownpodcast/ FB-https://www.facebook.com/profile.php?id=100077655465940 or visits us at https://rss.com/podcasts/americangrownpodcast/

Concerns the cost of living crisis is causing older New Zealanders to cutting back on food at risk to their own health.

Walking has very real financial benefits. During today's ten-minute walk, Dave talks about five ways walking can save you money. Check out Walking is Fitness on YouTube Support the podcast with a virtual coffee through Buy Me A Coffee Download your free 90 Days To A Walking Habit You'll Love Learn more about your ad choices. Visit megaphone.fm/adchoices

It's time to take control of your legal costs and protect your financial future. Understanding how legal retainers work can save you time, money, and frustration during your divorce or custody case. In this episode, Grown Girl Divorce Podcast Host, Kimberly A. Cook, Esq. breaks down what a legal retainer is, how attorneys apply it to your case, and key strategies to maximize its value.  Kimberly shares how to streamline communication, stay organized, and avoid unnecessary legal fees while ensuring you get the best representation possible. Whether you're navigating a high-conflict divorce or working through custody arrangements, these practical tips will help you make the most of your legal retainer while also saving you money.  ********************************************************************************************* The Grown Girl Divorce podcast is a space of relatability for Black women considering and going through a divorce. These are girlfriend conversations to educate and empower you through the process. Our host, Kimberly A. Cook, Esq., is a highly acclaimed divorce attorney and mediator breaking down divorce misinformation, dismantling stereotypes on Black families, and shining the light on the importance of diverse representation in family law. Grown Girl Divorce podcast guests are primarily women of color providing expert information or personal stories as a way to give voice to and support Black women going through divorce. Connect with us: Website: www.growngirldivorce.com Instagram: @growngirldivorce LinkedIn: www.linkedin.com/company/grown-girl-divorce To learn more about the podcast host: Website: https://sdflaw.com/team/detail/kimberly-a-cook LinkedIn: www.linkedin.com/in/kimberlyjohnsoncook  

On this episode of Inside the Firm, You're never going to believe it but the new 2024 building codes are actually set to save everyone money, don't believe us?! Tune in to find out. ! Join us as we go back Inside the Firm!

Understanding taxes empowers you to make informed decisions and ultimately saves you money. But many successful business people don't really understand their taxes. In this episode, Dan and Donnie delve into tax-related topics, including individual taxes, capital gains, business income, deductions and the executive order on tax credits.      Hosts:  Dan Gordon, PCO Bookkeepers & M&A Specialists Donnie Shelton, Triangle Home Services    

Let's preview the Bassmaster Classic coming up on Fort Worth Texas at Lake Ray Roberts, talk about records, winning weights, big bass, Fantasy Fishing, Classic Expo and more! Baitman joins to help break it down!Learn about Supreme Lending Dream Team - https://bit.ly/DreamBigHBHellaBass LIVE now BOOSTED by Power House Lithium - https://bit.ly/HB-PHL**Want to Donate?**https://paypal.me/HellaBassVenmo - hellabass—————————————————————————▼ SAVE MONEY & SUPPORT HELLABASS ▼Get 15% off at ARSENAL Fishing w/ code: HELLABASS15 - http://bit.ly/ArsenalShopGet 15% off at OMNIA Fishing w/ code: OMHBF6RH5 - https://omnia.direct/HBOmnia——————————————************************** #HellaBass #BassFishing #PodcastDisclaimer: Some of the links in this description are affiliate links. If you make a purchase through these links you'll help support this bass fishing channel at no additional cost to you. Win/Win! Thanks!

Having gut issues can be expensive! There are so many products, tests and practitioners offering to reduce bloating, get rid of constipation or calm abdominal pain. Unfortunately they don't all add up. This week I've got some tips on how to save money when you're dealing with IBS or SIBO. In this episode:The cost of IBS to the NHS (including how much NHS tests and appointments really cost)Which tests are unnecessary for most people with digestive issuesIdeas for saving moneyWhy you need to get off your dairy and gluten free dietDownload the Non-Food IBS Strategies workbook - https://mailchi.mp/a4f23ce52488/ibs-non-food-tips Linked episodesEp 31 - Navigating Supplements for SIBOEp 19 - Dairy and Irritable Bowel SyndromeEp 16 - Should you go gluten free if you have IBS?Work with me3 month Gut Reset - https://www.goodnessme-nutrition.com/consultations/Book a discovery call about working with me - https://calendly.com/annamapson/30min Ready for your gut reset?

View this video at https://macmost.com/10-ways-to-save-money-when-buying-apple-products.html. Apple products are expensive, but you can often save a little buy buying refurbished items, using educational discounts, looking for sales at third-party sites, and using other money-saving techniques.

Have a love-hate relationship with avocados? If so, I don't blame you – I do too. Some days, I'm delighted to cut open an avocado and see a smooth blemish-free interior to enjoy. On other days, I'm utterly disappointed when I cut open one and find a blemished brown and ugly interior, and have to toss it away in disgust. Such a waste of money! But with rising food and gas prices, it's now even more important to know how to stretch our food dollars and make what we buy last longer. And I've discovered ways now to minimize those ‘not-so-good' avocado days.   So, let's talk avocados. In this episode, I'll show you how to wisely pick avocados from the store, then how to best store them at home. This way, you can enjoy them more, with less stress and worry about having to use them up fast before they spoil. If you've never tried an avocado before, make sure to listen in too, so you can learn from the get-go how to best buy and store them, and save money and needless frustration in your plant-based diet transition!     Join -> www.plantnourished.com/ppltcourse Contact -> healthnow@plantnourished.com Learn -> www.plantnourished.com Connect in the Facebook Community -> www.bit.ly/pbdietsuccess Apply -> Free Rapid Health Transformation Call: https://bit.ly/plantnourished Free Resource -> Quick Start Grocery Guide for Plant-Based Essentials: www.plantnourished.com/groceryguide     Have a question about plant-based diets that you would like answered on the Plant Based Eating Made Easy Podcast? Send it by email (healthnow@plantnourished.com) or submit it by a voice message here: www.speakpipe.com/plantnourished         [Plant-Based Diet, Money Saving Tips, Plant Based Eating on a Budget, Save Money, Produce Stretching Hacks, Plantbased Shopping]

It's critical for you and your spouse to have good financial habits. Greg and Erin Smalley talk with John about ways they've tried to save money, and how you can too. Also, Jim Daly talks with Dave and Ashley Willis about how saving a little money creates freedom in your marriage. Find us online at focusonthefamily.com/marriagepodcast or call 1-800-A-FAMILY. Receive the book 7 Days to a Naked Marriage Bundle for your donation of any amount! Focus on Marriage Assessment Listen Anytime Finding Financial Unity in Marriage 3 Steps to Stop Bankruptcy from Bankrupting Your Marriage Support This Show! If you've listened to any of our podcasts, please give us your feedback.

In this episode, Dr. Glenn Vo chats with Dicky Ball, co-founder of Summit Handpiece Express, about: ✅ Why handpiece repairs are a smarter investment than replacements ✅ How Summit Handpiece Express provides nationwide repair services ✅ The family-driven customer service that sets them apart ✅ Their fast turnaround time—get your handpieces back in DAYS, not months! ✅ Exclusive Nifty Deal: 10% OFF all repairs + FREE estimates

Dining out has become more expensive. But a new generation of loyalty apps such as Blackbird, inKind and Dorsia offer perks to repeat diners, help score hard-to-get reservations and can take some of the sting out of the bill. Wall Street Journal contributor Kathleen Squires joins host Ariana Aspuru to discuss how to know which one is right for you. Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices