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Is shopping becoming a dangerous game? From live streams to influencer deals to 'Buy Now, Pay Later' offers—your brain's reward system is constantly being triggered to encourage constant spending. Join us for a discussion with Credit Counsellor Charlie Kovacs, who exposes the risks tied to retailer financing, debunks the myth of discount savings, and explores the real impact these marketing 'tricks' have on your financial health. (1:30) – The Modern-Day Shopping Channel: How Retailers Keep You Hooked (4:00) – Live Shopping & Influencers: The New Age of Consumer Marketing (7:45) – Dopamine & Shopping: How Social Media Fuels Impulse Buys (14:00) – How Algorithms Are Designed to Make You Spend More (15:10) – Buy Now, Pay Later: The Rise of Consumer Credit Debt (17:00) – The Hidden Risks of Financing Through Retailers (21:00) – The Gamification of Consumerism: How Retailers Turn Shopping into a Game (23:30) – The Gamification of Credit: Why Your Debt Feels Manageable (But Isn't) (25:00) – Credit Counsellor Charlie Kovacs Explains Why Discounts Don't Save You Money (29:00) – Everyone Is Selling Something: Recognizing the Marketing Tricks Hoyes Michalos Effective Money Management Strategies Explore Credit Card Debt Relief Why We Overspend and How To Break Bad Money Habits Sign Up for the Debt Free Digest FREE Credit Rebuilding Course Debt Repayment Calculator Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized guidance from a qualified financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.
View From Victoria: Will cutting carbon tax save you money? Guest: Vaughn Palmer, Vancouver Sun Columnist Learn more about your ad choices. Visit megaphone.fm/adchoices
Hey friend! These are the top home maintenance and car safety tips that should be handled in the month of March. By staying on top of these, you house and car will stay in tip top shape, which helps to save you money on costly repairs or damages. Blessings to your family, Mandy Thank you for helping this show rank in the top 2% globally! I appreciate you so much!
EV drivers often save big on certain costs in the long run. Learn more at https://www.yaleclimateconnections.org/
The Farm Family TableâHomesteading, Homemaking, Christian Mom
Have you ever stopped to think how much your disposable products are actually costing you? Not only can single-use items contribute to a lot of waste but they can also add up to a big expense over time. In this episode, I share 5 of my favorite reusable swaps that I actually like better than the disposable versions and will save you a significant amount of money in the process. If you are looking to reduce costs, cut back on waste, or just make healthier choices for your home, these are practical swaps that you can make right away. I hope you find these practical swaps helpful for your family. Making small changes, like buying a reusable mop pad instead of Swiffer pads, might seem like an insignificant thing, but overtime those savings really do add up! And especially when you start to make more of these reusable swaps. So go ahead and give it a try. Thank you so much for joining me! Resources mentioned in today's episode: → Tell me your favorite reusable swap in the Farm Family Community Our Sponsor: Inherit Clothing Company - find modest, fashionable clothes designed with Christian values Go to inheritco.com/FARMFED Use code: FARMFED for 10% off your order Free recipes, gardening tips, food preservation tutorials, and more! Follow us on Facebook Connect with Jocelyn!
How to Save Money on Your Divorce Proceedings | Los Angeles Divorce
Discover the hidden magic of Walt Disney World without spending a penny! In this episode, we unveil the most surprising freebies you can enjoy across the parks and resorts. From unique souvenirs to unforgettable experiences, we'll share our top tips for making the most of Disney without breaking the bank.Don't miss out—tune in now and start saving while still soaking up all the magic! And if you love what you hear, be sure to subscribe, leave a review, and share this episode with your fellow Disney fans!
In the latest episode of Air Power Airwaves we are exploring the high cost of tools in Assembly Manufacturing...and how to be sure you are selecting the right tool to save you money$$$ Selecting the wrong tool doesn't just cost you the price of the tool, it cost you much more in down-time, inferior productivity, substandard quality of output and worker safety. We all know this, but thanks to the new Whitepaper commissioned and release by Cleco Production tools...we have the actual numbers. In this episode we discuss this new study with Josh Ference from Cleco and Matt Tuttle from Air Power to find out the causes and effects of "SAVING" money on the front-end of a tool purchase. We cover; • What are the causes of downtime in manufacturing? • The cost of downtime in manufacturing • Choosing the right tool for the job (Safety Critical vs Quality Critical vs Functional) • Operator Training If you have any questions about today's topic or would like to schedule an Air Power visit to your facility for more information on Cleco Production Tools please contact Air Power today at 1-800-334-1001.Connect with Air Power Manufacturing Solutions on: LinkedIn | Facebook | Instagram | Twitter
Ask any household, and the grocery bill is still up there as one of the top stresses on the family budget. So today, we’re looking at a very modern way to save money on groceries. Join Canna Campbell - a financial planner for 20 years - and Fear & Greed's Michael Thompson as they look at how to use ChatGPT to rescue your household shopping bill! ---The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.Canna Campbell is a Corporate Authorised Representative and Corporate Credit Representative of Wealthstream Financial Group Pty Ltd ABN 35 152 803 113 Australian Financial Services Licensee AFSL 412079.See omnystudio.com/listener for privacy information.
Want to make your next holiday cheaper and easier? Jess shares her best travel hacks, from scoring flight deals to strategically planning your annual leave to get the best bang for buck. She also shares tips for avoiding hidden costs, packing smarter, and making the most of every trip, whether it's a weekend away or an overseas adventure.To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here.We hate email spam so we don't create it! Sign up to the money money money newsletter to get only the valuable money, careers and property info you need.Have a question or topic for the show? Post it in our Facebook group.To get help click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.Jessica Brady is an authorised representative of Paragem Pty Ltd. Authorised Representative No. 1259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.
Before you file your tax return, listen up! A few important changes this year could put money back in your pocket. Be sure you're not missing out and tune in as we break down the key updates to the 2025 tax code. Spoiler alert: Not all of the changes will save you money.Hi, I'm John Gigliello, a CERTIFIED FINANCIAL PLANNER™ with the Albany Financial Group, and you are listening to Invest in Knowledge, a podcast for people who are planning for retirement or already retired and want to know more about proactive tax planning, retirement income planning, social security timing, investment management and asset protection. After a life-altering health issue at age 39, my calling in life became clear: To share my knowledge of personal finance with people who are looking to make smart and responsible choices with their money. Tax season is officially underway, so let's take a look at the changes for this filing season. Some may save you money, but some may not. Even though Congress did not make major changes for this year, there are some new details to be aware of, especially for those who sell things online, bought an electric vehicle, or who prefer to get their refund as a savings bond.Before we get started, please remember that the rules for income taxes are complex and they change a bit every year, including annual inflation adjustments for tax brackets and the standard deduction. Bigger changes may be in store for next year and beyond, depending on how President Trump and Congress address the fate of the 2017 Tax Cuts and Jobs Act, which sunsets on Dec. 31 this year.Filing taxes might also be a little less cumbersome this year since the IRS upgraded its online services by adding features and making it easier to check the status of refunds. It takes taxpayers an average of 13 hours and $290 to prepare and file their tax returns, according to the IRS. But the time and money seemed to pay off. Last year, tax refunds averaged $3,138, according to the IRS. Taxpayers who file electronically and choose direct deposit should get the payments within 21 days.Here are some key changes for this year to note:The Standard deduction has increased, along with other annual inflation adjustments.If you sold anything online, you might receive a 1099K.If you bought an Electric Vehicle in 2024, you may qualify for a tax credit. But you may also owe.Filers in disaster relief areas may be eligible for extended deadlines. More taxpayers are getting hit with penalties for underpayment. This year, there are more ways to file your taxes free.I bonds are no longer an option for your refund.
Laura answers a listener's question about whether buying mortgage points saves money over the long run.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/
Hey friend! I'm covering some of the top home maintenance and a car safety tip that should be handled in the month of February. By staying on top of these, you house and car will stay in tip top shape, which helps to save you money on costly repairs or damages. Blessings to your family, Mandy Thank you for helping this show rank in the top 2% globally! I appreciate you so much!
The Recruit-Me Athletic Scholarship Podcast with Brent Hanks
See how you can save money on your recruiting journey. Click Here to join the Recruit-Me Monthly Newsletter. Get monthly tidbits of recruiting advice and education. Recruit-Me.com Recruit-Me 3.0 Athletic Scholarship System FREE Recruiting Power Pack QRRecruiter.com promo code RecruitMe5 CollegeCoachesOnline.com promo code RM123 Listen to Past Episodes of The Athletic Scholarship Podcast Baseball Bluebook Virtual Dugout App
Welcome back to The Pre Nup, the wedding-obsessed podcast designed to help you plan your dream day! I'm your host, Adriana, and each week, I'm joined by the industry's top professionals, celebs, influencers, and friends who are sharing their best tips, advice, and the mistakes they've made so you don't have to. Planning a wedding can feel overwhelming—especially when it comes to setting a budget! In this episode, Adriana breaks down the essential steps to creating a realistic wedding budget that works for you. From figuring out how much you can save to navigating tricky family contributions, we're covering it all. Adriana also shares practical tips on how to manage your guest list, prioritize spending, and avoid the common pitfalls that lead couples to overspend. Plus, learn how to allocate your budget to ensure you get the wedding of your dreams without breaking the bank! Episode Highlights: • How to calculate your wedding budget step-by-step • Tips for managing your guest list and keeping costs down • Creative ways to save on catering and decor • Why a longer engagement can be a budget-friendly choice • Budget-friendly alternatives for wedding rings and bands Whether you're just starting to plan or deep into wedding prep, this episode is packed with real advice, budgeting hacks, and inspiration to make your wedding planning journey as stress-free as possible. We love hearing from you! Drop your budget questions in the comments or reach out to us at podcasts@lovestoriestv.com with your feedback or suggestions for future episodes.
Join Peter von Panda as he reveals his favorite golf glove that promises to save you money while enhancing your game! After two years of rigorous use, this durable glove outperforms traditional ones, offering exceptional comfort and longevity. Learn why Peter believes this is a must-have for any golfer looking to upgrade their gear without breaking the bank. Tune in to find out how this glove could make you a scratch golfer and why you should grab one before they sell out! ▶ Get this product here: https://geni.us/q4tugf5 ---------- LET'S TALK ABOUT LIVING BETTER: ▶ Podcast: https://geni.us/FtGAT4 ▶ My Amazon Store: https://www.amazon.com/shop/petervonp... ---------- IF YOU'D LIKE TO SHOW SOME LOVE: ▶ Buy My Book: https://geni.us/qwbZAE ▶ Become A Channel Member: https://geni.us/AA3Jk ▶ Patreon: / petervonpanda ▶ Merch: https://petervonpanda.storenvy.com/ ▶ Free Panda Group: https://panda-research-institute.mn.co FOLLOW MY OTHER SOCIAL MEDIA PLATFORMS: ▶ Instagram: / petervonpanda ▶ Facebook: / petervonpanda
The IRS has new tax changes for some filers who are victims of natural disasters or purchased an electric vehicle last year. In the second episode of our series, Wall Street Journal reporter Ashlea Ebeling joins host Ariana Aspuru to discuss the latest tax credit changes, disaster relief, and how to stay organized this tax season. If you missed the first episode, you can find it here. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices
Organising your finances can feel overwhelming, but it doesn't have to be. In this post, I share practical steps to declutter your financial life, set up a budget, and build sustainable habits for long-term success. Whether you're tackling debt, starting an emergency fund, or simply wanting to gain more control over your spending, these tips will help you approach your money with clarity, confidence, and a positive mindset. It's not about perfection—it's about progress! Subscribe, follow, or like my podcast on your preferred platform and share it with friends who might benefit from these organisational gems. I'd love to hear your thoughts and experiences, so please leave a review or connect with me on social media. Thanks Shelina Support this Podcast Learn more about DeCluttr Me on our website or follow Decluttr Me on Social Media: Facebook • Twitter • Instagram #decluttering #organising #extracash #sellingunwanteditems #onlineselling #financialhealth #payoffdebt #reducelandfillwaste #sustainability
Reusable bamboo utensils are not just eco-friendly—they're a game-changer for your wallet too! In this podcast, we dive deep into how switching to bamboo utensils can save you money every day while contributing to a sustainable future. Learn the economic benefits of reducing single-use plastics, how reusable alternatives pay for themselves, and why bamboo is the ideal choice for eco-conscious and budget-savvy individuals. Listen now to discover the financial perks of a greener lifestyle! Don't forget to like, subscribe, and share your thoughts in the comments below. Together, let's make sustainable living practical and affordable for everyone! https://lovewithsex.me/?p=25373 reusable bamboo utensils, economic benefits of bamboo utensils, save money with bamboo, eco-friendly utensils, sustainable kitchen products, bamboo utensils vs plastic, reusable utensils for budget, green living tips, zero waste kitchen tools, bamboo sustainability, switch to bamboo utensils, eco-conscious dining, sustainable utensils guide, bamboo kitchen essentials, eco-lifestyle tips, reusable utensil hacks, cost-effective green solutions, bamboo utensils explained, eco-friendly alternatives, financial benefits of bamboo, sustainable living tools, eco dining choices, reduce waste save money, bamboo versus single-use plastic, green choices for your home, affordable sustainable products, money-saving eco tips, eco-friendly money hacks, living green on a budget, bamboo utensils economic guide, reusable kitchen items, zero waste hacks, bamboo utensils worth it, financial perks of bamboo, #ReusableBambooUtensils, #SaveMoney, #EcoFriendlyLiving, #SustainableLiving, #BambooBenefits, #EcoHacks, #BudgetFriendlyLiving, #GreenLivingTips, #ZeroWasteLife, #EcoConsciousChoices, #LifeWithoutPlastic, #BambooUtensils, #SustainableChoices, #ReusableProducts, #GreenLiving, #ZeroWaste, #EcoConscious, #BambooLife, #MoneySavingTips, #SustainableEating, #PlasticFree, #EcoWarrior, #BambooBenefits, #ConsciousConsumer, #BudgetFriendly, #NatureLovers, #HealthyLiving, #EcoChic, #EverydaySavings,
What if spending money could actually make you money? In this episode, Emma breaks down why outsourcing to experts isn't just a cost—it's one of the smartest moves you can make to grow your business. From saving time to achieving a higher ROI, Emma shares how delegating consistent, ongoing tasks like social media marketing can free you up to focus on what you do best. Plus, hear a powerful client success story that showcases how outsourcing is the ultimate strategy for scaling. Don't miss this actionable episode that will leave you rethinking how you spend your time and money. Listen in as Emma explains: The true ROI of hiring experts How you can avoid expensive hiring and training Why delegating tasks enables you to scale and step into your role as a visionary leader And so much more! Connect with Ninety Five Media: Website Instagram Need Support with Your Podcast? We've got you covered Book a Strategy Intensive Call with Emma for a custom marketing plan for your brand: strategyintensivecall.co Book a call to explore our social media management services for your business! ninetyfivemedia.co/book-a-call
Ready to retire but uncertain about your next steps? Let's build a retirement plan you can count on. Schedule a call with Peter now. Sign up for the newsletter for exclusive content. ----- In this episode, I'm sharing a great conversation I had with Adam Cmejla, CFP® on his podcast, 20/20 MONEY. We talked about something that's changing the way people invest: direct indexing. Not familiar with direct indexing? Don't worry, you're not alone. We break it down in a simple way so you can see how it might work for you. We also chatted about how strategies like tax loss harvesting can help you manage your investments more efficiently, especially if you own a business or are preparing for a major financial milestone, like selling a practice. I'm excited to share this conversation with you in hopes you'll be able to learn practical and approachable ways you can make more thoughtful, informed decisions with your money. Listen now and learn: ► What “direct indexing” is and how it can help you save on taxes. ► Why tax loss harvesting is a game-changer for your financial plan. ► How investing is about much more than just returns. Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. (01:36) What is Direct Indexing? (06:02) Tax Loss Harvesting Explained (13:59) The Evolution of Investing (19:33) Use Cases for Business Owners (25:07) Accumulation vs. Decumulation (31:00) Risks and Misconceptions (38:06) Future of Direct Indexing
Farm & Ranch Director Sarah Heinrich tells you more: See omnystudio.com/listener for privacy information.
On today's podcast Marc and Bryan are offering their top 10 tips to save you money during your next vacation. We tackle the latest headlines and play Disney's College of Knowledge. Check out our latest episode.
Retirement planning is more than just saving money; it's about making your savings last as long as you do. Today Scott is going to share five crucial tax strategies that can significantly impact your financial future. Here's what we cover in this episode: 0:00 – Intro 1:19 – Why tax planning is critical to today's retirement plan. 3:13 – Roth conversions 5:38 – Harvesting capital gains 7:15 – Tax diversification 9:41 – Required minimum distributions 12:39 – Health savings accounts Read Scott's Kiplinger article: https://www.kiplinger.com/retirement/tax-strategies-to-help-your-money-last-in-retirement Want to connect with us? Web: https://listentoscott.com/ Schedule a call: https://elevatemyretirement.com/contact/ or 913-393-4724 Watch the show on YouTube: https://bit.ly/3RiT7Ky
In today's episode, I'll share some of my favorite tests that Facebook and Instagram advertisers should be doing. These 5 simple but powerful tests can sometimes make a huge difference! Website: https://philgrahamdigital.com
Jackie Meyer is the Founder and President of TaxPlanIQ, a software platform that equips tax advisors with tools to streamline tax planning and maximize client savings. A CPA with extensive experience, Jackie previously owned an award-winning CPA firm and developed the ROI Method of Value Pricing to align services with client value. She is also an educator and speaker focused on improving financial literacy and efficiency for professionals and small businesses. In this episode… Are you paying more taxes than you should? Many business owners assume their CPA or tax preparer has every deduction and strategy covered, but the truth is tax planning often goes beyond the basics. What strategies can keep more money in your pocket while staying compliant with the law? According to Jackie Meyer, a pioneering tax strategist and educator, true tax planning is about going beyond simple projections to uncover actionable strategies that minimize liabilities. She highlights the importance of asking the right questions when engaging a CPA, such as whether they offer advanced tax strategies or attend ongoing education. By focusing on proactive, ROI-driven planning, individuals and businesses can save tens of thousands of dollars annually. In this episode of the Financial Clarity podcast, host Hannah Smolinski hosts Jackie Meyer, Founder and President of TaxPlanIQ, to discuss actionable tax planning strategies that save money and increase value. They cover the critical differences between tax preparation and planning, how to identify when tax planning is worth the investment, and practical tips for finding the right tax professional. Jackie also shares insights into value pricing and how it transforms client relationships and CPA practices.
Join my Facebook group, Tax Strategies for Real Estate Investors, and become part of a community with 11,500+ high-level real estate investors ► Join here: https://www.facebook.com/groups/taxstrategyforinvestors In this episode of the LearnLikeaCPA show, I dive into the essential playbook for setting up LLCs as a real estate investor. I break down the pros and cons, common mistakes, and the key steps to structuring LLCs for asset protection and tax efficiency. You'll learn when you actually need an LLC, how to avoid creating unnecessary tax returns, and my guidelines for determining the right amount of equity per property before setting up a separate LLC. Timestamps: 00:00:00 Intro 00:00:58 Why LLCs Don't Save You Money on Taxes 00:01:43 Guidelines for Determining When to Set Up an LLC 00:02:28 Pros of Setting Up an LLC for Asset Protection 00:03:14 Common Mistakes with Multi-Member LLCs 00:04:53 Avoiding Unnecessary Tax Returns 00:05:43 Back-of-the-Napkin Math for Equity in LLCs 00:08:08 Steps to Setting Up an LLC Properly 00:09:33 Registering LLCs in Out-of-State Investments 00:10:33 Outro and Call to Share the Podcast Interested in working with me? Apply here: ► https://taxstrategy365.com/apply?el=podcast Let's connect! ► Instagram: https://www.instagram.com/learnlikeacpa/ ► LinkedIn: https://www.linkedin.com/in/learnlikeacpa/ ► Twitter: https://x.com/LearnLikeaCPA ► Facebook: https://www.facebook.com/learnlikeacpa ► Tiktok: https://www.tiktok.com/@learnlikeacpa *None of this is meant to be specific investment advice, it's for entertainment purposes only.
Mark Miller, Morningstar contributor, talks about the new $2,000 out-of-pocket cap for Medicare Part D coming in 2025. Plus, learn what you should know before switching between Medicare Advantage and traditional Medicare during open enrollment.Traditional Medicare vs. Medicare AdvantageWhy Seniors Shouldn't Just Roll Over Their Plans in 20252025 Medicare Part D ChangesMedicare's New Prescription Payment PlanWhat Should Seniors Do If Their Medicare Advantage Plan is Being Eliminated?What You Need to Know About Switching Between Traditional Medicare and Medicare Advantage Where You Can Go to Get Help Choosing a New Medicare Plan Read about topics from this episode. Medicare Open Enrollment: What to Know as You Enroll for 2025I'm 65 and Still Working. Should I Enroll in Medicare?Are Consumers Better Off With Medicare Plus a Medigap Plan? What to watch from Morningstar.A Better Way to Use Leverage in Your ETF PortfolioApple Earnings Are on Deck. Will Apple Intelligence Help Drive iPhone Sales?Is Your Portfolio Built to Withstand a Market Rotation?Inherited IRA Rules: What You Need to Know Before 2025 Read what our team is writing:Mark MillerIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/
In this episode, Stefan Bolleininger will explain you can save money on your MDR or IVDR submission just by choosing the right MDR or IVDR code and by following some of his advice. Who is Stefan Bolleininger? Stefan Bolleininger is a key opinion leader and speaker for the medical device regulation MDR in Europe. He founded the be-on-Quality GmbH consulting agency to passionately support manufacturers during CE approvals or FDA approvals. This support covers the full chain of quality and regulatory requirements: Implementation, maintenance, audits, assessments, and inspections. In the area of “Risk Management and Usability for Medical Devices and Medical Networks”, he holds a teaching assignment at the Technical University of Nuremberg and the VDI Technical Committee “Quality Assurance for Software in Medical Devices”. Who is Monir El Azzouzi? Monir El Azzouzi is the founder and CEO of Easy Medical Device a Consulting firm that is supporting Medical Device manufacturers for any Quality and Regulatory affairs activities all over the world. Monir can help you to create your Quality Management System, Technical Documentation or he can also take care of your Clinical Evaluation, Clinical Investigation through his team or partners. Easy Medical Device can also become your Authorized Representative and Independent Importer Service provider for EU, UK and Switzerland. Monir has around 16 years of experience within the Medical Device industry working for small businesses and also big corporate companies. He has now supported around 100 clients to remain compliant on the market. His passion to the Medical Device filed pushed him to create educative contents like, blog, podcast, YouTube videos, LinkedIn Lives where he invites guests who are sharing educative information to his audience. Visit easymedicaldevice.com to know more. Link Stefan Bolleininger Linkedin: https://www.linkedin.com/in/stefan-bolleininger-3a717028/ BeOnQuality Website: https://www.be-on-quality.com/ MDCG 2019-14 – MDR code: https://health.ec.europa.eu/system/files/2020-09/md_mdcg_2019_14_mdr_codes_en_0.pdf MDCG 2021-14 – IVDR code: https://health.ec.europa.eu/system/files/2021-07/md_mdcg_2021-14-guidance-ivdr-codes_en_0.pdf EMDN Code: https://webgate.ec.europa.eu/dyna2/emdn/ Notified Body database NANDO : https://webgate.ec.europa.eu/single-market-compliance-space/notified-bodies/by-legislation eQMS for Medical Devices: https://eqms-smarteye.com/ Social Media to follow Monir El Azzouzi Linkedin: https://linkedin.com/in/melazzouzi Twitter: https://twitter.com/elazzouzim Pinterest: https://www.pinterest.com/easymedicaldevice Instagram: https://www.instagram.com/easymedicaldevice
Attention all Postal and Federal Employees: Open Season is just 4 days away... Are you ready? Change is not coming... It's already here! In this episode, Elizabeth Inman gives you important information about this year's Open Season as Postal workers and retirees face new challenges with the commencement of the new Postal Service Health Benefits Program. If you are unsure about the new program and how it works, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you. We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171
In this episode, we are joined by Leonie Freeman from the Property Council to discuss the government's RMA reforms. This includes how much the red-tape cutting will save and what the opportunities are for property investors. For more from Opes Partners: Sign up for the weekly Private Property newsletter Instagram TikTok
This is such a great episode covering Seven Ancestral Swap That Will Save You Money. We are assuming you are already well on the way to eating ancestral diet, so these are not swapping ancestral foods for conventional foods; these are swaps within the ancestral food paradigm that Alison and I have utilized to save money - within saving money. Everyone is tightening up their budgets right now and we are no exception to that. The conversation around fats, dairy products and drinks and so much more in this episode is so interesting; and the last, most complex swap is a very interesting one that has saved our family thousands of dollars, and it is well worth the time and effort it takes to investigate it.* * * * * * * * * * * * * * * * * * * * * * * * * *One Earth Health make the grass-fed organ supplements we use and trust. Get 15% off your first order here and 5% off all subsequent orders here.* * * * * * * * * * * * * * * * * * * * * * * * * *Get our two podcast cookbooks:Meals at the Ancestral HearthSpelt Sourdough Every DayAlison's course, Rye Sourdough Bread: Mastering The Basics is here, with a 10% discount applied!Alison's Sowans oat fermentation course is here, with a 10% discount applied!Get 10% off any course at The Fermentation School: click here and use code AKP at checkout.Get 10% off US/Canada Bokashi supplies: click here and use code AKP.Get 10% off UK Bokashi supplies.Visit our (non-Amazon!) bookshop for a vast selection of ancestral cookbooks: US link here and UK link here.* * * * * * * * * * * * * * * * * * * * * * * * * *Our podcast is supported by Patrons in ancestral kitchens around the world!Come join our community! You can choose to simply sponsor the podcast, or select from a variety of levels with benefits including monthly live Zoom calls, a private podcast feed stuffed with bonus content from Alison and Andrea, and a Discord discussion group.To read more about becoming a patron and explore the various levels, click here!* * * * * * * * * * * * * * * * * * * * * * * * * * What we cover:Use regional fatsSwap sour cream for other home-made milk fermentsUpgrade your shop fizz to some favourite fermented drinksEnjoy Chai mixes instead of cocoaStudy the grains you use and look for alternativesSub in organ meat and/or pulses for ground
Your Instagram and TikTok are full of them: Influencers trying to convince you to part with your hard-earned cash and spend it on some trendy item that you won't be using two weeks from now.While conspicuous consumption has been all the rage in recent years, with influencers sharing their massive hauls, there's been a shift. In fact, the latest trend is DEinfluencing.Is deinfluencing really where it's at? And will it save you money? This week's guest, Kara Perez, is the founder of Bravely Go, a website that focuses on sustainable finances. She's also a deinfluencer and the author of Green Money: How to Reduce Waste, Build Wealth, and Create a Better Future for All. Ready to save more with a little deinfluenceing? Take a listen to this eye-opening discussion. But before you do, don't forget to subscribe to the Money Talks News newsletter and YouTube channel for more expert financial advice and money-saving strategies. Your future self will thank you! https://youtu.be/e636rxDyt0U 0:00 - Intro: What is Deinfluencing?3:45 - The Rise of Influencer Marketing8:30 - Key Deinfluencing Strategies14:15 - Balancing Sustainability and Consumerism19:00 - Impact on Companies and Product Quality23:30 - Making Money as a Deinfluencer27:00 - Conclusion: The Future of DeinfluencingBecome a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.
Let's dive into the impact of financial trauma and how it shapes your relationship with money. Whether you grew up with scarcity or are now making more than you used to, we all face overspending or a scarcity mindset at some point. Understanding your financial behavior is key to building a healthier money mindset.Get instant access to my FREE money webinar : https://www.youmanifestedthat.com/opt-in-79a81750-c2d3-473e-bb3c-80d75be76a91Join 8 weeks to sacred abundance where you will learn to manifest more money and create a better life
Washington's gas prices are among the highest in the country. Some blame the state's efforts to reduce climate change for the extra cost at the pump. This November, they've put those concerns on the ballot. Initiative 2117 aims to cut prices at the pump by cutting the state's plan to reduce fossil fuels. But would killing that plan -- known as the Climate Commitment Act -- result in even higher prices? In this episode of Booming, we look at the economics and hidden costs of our addiction to fossil fuel... and the surprising lesson we can draw from past efforts to curb pollution. Want a recipe with Cabrales cheese? (It'll make sense once you listen to the episode...) Check this out: Roasted Sweet Onions with Cabrales Blue Cheese Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/boomingnotes. Booming is a production of KUOW in Seattle, a proud member of the NPR Network. Our editor is Carol Smith. Our producers are Jennie Cecil Moore and Lucy Soucek. Our hosts are Joshua McNichols and Lucy Soucek, filling in for Monica Nickelsburg.Support the show: https://kuow.org/donateSee omnystudio.com/listener for privacy information.
Refinancing Your FHA or VA Loan to Save Money | Streamline Refinance Explained In this episode of the State 48 Homeowner podcast, we break down how refinancing your FHA or VA loan can significantly reduce your monthly payments and save you money in today's high-inflation environment. Host Scott Kooiman and mortgage expert Steve Farrington walk through the Streamline Refinance option, a powerful but often overlooked tool that allows homeowners to lower their interest rates without the need for equity, credit checks, or appraisals. Learn how a Streamline Refinance works, who qualifies, and how this hassle-free process can help you combat rising costs and keep your mortgage payments manageable. Whether you purchased your home recently or a few years ago, now might be the perfect time to explore this refinancing strategy and lock in lower rates. Key Topics Covered: ● What is a Streamline Refinance for FHA and VA loans? ● How to reduce your interest rate without needing equity. ● The step-by-step process for Streamline Refinancing—no appraisals, no credit checks, and limited documentation required. ● Why this option is perfect for homeowners with government-backed loans and interest rates above 6.5%. ● How real-life homeowners are saving hundreds of dollars per month through Streamline Refinance. ● How to know if you qualify and get started with just a 15-minute call. Why You Should Watch: If you're an FHA or VA loan holder, this episode is a must-watch! Get all the details on how to reduce your mortgage payments easily and quickly with a Streamline Refinance. Whether you're trying to offset rising insurance or tax costs or simply want to pay less on your loan each month, this episode has all the answers you need. About Our Experts: Scott Kooiman and Steve Farrington bring decades of experience in real estate and mortgage lending. As trusted Arizona real estate professionals, they are dedicated to helping homeowners navigate the complexities of the housing market and find ways to save money.
This episode is a re-run. It was originally published in February 2023. Want to cut costs on your construction projects? Learn how a well-crafted contract can save you money and prevent costly mistakes. Tune in! Our “Quantum Contract Advantage System” is known industry-wide for taking construction contractors from being contractually vulnerable, losing money on project administration, and appearing amateur during bidding and negotiations to instead putting that process on auto-pilot so they can secure more contracts, with better terms, for more profit, all while reducing risk. We have done over 6,000 contract reviews and helped over 300 Construction Contractors, Subcontractors, and Suppliers across the USA, Australia, Canada, New Zealand, UK & Ireland manage over $20 billion worth of contracts. Want to IMPROVE your contract terms for FREE? Go here: https://hubs.ly/Q02Q4r6W0 Want to BOOST your profit margins up to 15%? Go here: https://quantumcs.co/YtO3SimpleChanges Want us to MANAGE your contracts for you? Go here: https://quantumcs.co/YtOCal3SimpleChanges Timestamps: (1:31) - Risk is a little bit different in what a win looks like (3:34) - The perception of risk changes a lot but the actual risk doesn't change (6:08) - The road to less stupid is doing less stupid things, making fewer downsides (8:02) - As a construction person you can analyze and interpret construction drawings (9:38) - That's why signing a better contract is better for you DISCLAIMER: The content of this podcast does not constitute legal advice, is not intended to be a substitute for legal advice, and can not be relied upon as such. You should seek legal advice or other professional advice in relation to any matters you or your business may have. Follow our Socials and let's get connected! ⤵️ Facebook | LinkedIn | YouTube | Instagram | TikTok | Twitter
Ron Wilson of In (what's left of) the Garden
Jess is joined by Ruth Buggie of the SEAI to talk about smart meters, how do they work and can they save you money?
Joseph Noor is the CTO of Ownwell, a company that uses technology to revolutionize property tax appeals. Inspired by his father's entrepreneurial spirit, who fled the Lebanese Civil War and built multiple businesses in the U.S., Joseph embodies the essence of entrepreneurial innovation and resilience. He is passionate about disrupting traditional industries with technology and creating equitable systems. Joseph and his team have raised $25 million from investors like First Round Capital, Long Journey Ventures, and Founder Collective. They currently have over 150,000 customers and are projecting $50 million in revenue this year. Joseph always approached life as an entrepreneur: flipping golf balls, building sneaker bots, creating private MMORPGs, saving money on property taxes. He was raised with the mentality of relentlessly chasing the hardest problems, pushing past what was initially thought possible, and leveling up in the process. In the unrelenting demand for academic excellence, he was enrolled in elementary two years early and was still pushed to skip grades. Enamored with the iPhone, he chose to study Computer Science to build software that can scale to the whole world. It wasn't until the PhD where he met his first real academic challenge – developing AI to self-optimize computer systems. What you will learn The role of AI in optimizing distributed systems and how it was applied in Joseph Noor's research. How technology, including AI, is revolutionizing property tax appeals through Joseph's company, Ownwell. The challenges of scaling a tech-driven business and how to overcome them. The importance of explainable AI models in industries like real estate, where transparency is crucial. Insights into the entrepreneurial mindset, including the value of persistence, adapting to challenges, and leveraging technology to solve traditional problems.
Send us a Text Message.Email Lennie at lennielawson2020@gmail.com
In this episode I interview Mike from 420 Things. He has been gardening for 15 years and grows a variety of plants. He is big into gardening on a budget. In this episode he reveals many budget-friendly gardening ideas to help save you money.Support the Show.
Tim Noteboom, former contractor and home inspector, answers listener questions about their home maintenance and DIY projects. In this episode, Mr. Fix-It talks about hail damage, camera doorbells and insurance savings and much more! Mr. Fix-It can be heard the first Wednesday from 1pm to 2pm each month during It Takes Two with Amy & JJ.See omnystudio.com/listener for privacy information.
Send me a message! In this episode I share 7 ways to make and save money through your website. From integrating appointment schedulers and online payment systems to leveraging your site for employee recruitment and email marketing, you'll discover how to turn your website into a revenue-generating asset for your business. Let's do this!Resources mentioned:Affiliate LinksICD Soft HostingTermageddonWebsite Audit About me, Website Designer, Mom + Biz Owner JennyB,Hi, I'm Jenny Belanger, CEO and creative director of JennyB Designs a brand + web design studio in Reading, Massachusetts. I adore helping others shine online and design websites that reflects you, your brand, and works for you 24/7 bringing in ideal clients and making you money. In this podcast you'll learn web design strategies for high-converting websites, digital marketing tactics to reach ideal customers and systems to simplify operations. Let's creatively optimize YOUR unique business.Wondering what your website personality is? Take the quiz! Let's Connect!Website - jennyb-designs.comInstagram - @TheJennyBDesignsLinkedIn - Jenny BelangerEmail - jenny@jennyb-designs.comPlease make sure to subscribe, rate, and review the Creatively Optimized podcast!
If you're on a steady salary, creating a spending plan is straightforward, because you know both what's coming in and what's going out every month. But what if you don't have a stable salary? What if you're one of the millions of Americans who do side work or own a business or get paid commission? For you, a variable income is just part of the deal. This is also true for people who depend on tips, like bartenders, Uber drivers, servers -- you name it. So, how are you supposed to budget or create goals when you don't know how much money you're going to make tomorrow, much less next month or next year? Let's find out. In today's podcast, we're going to tackle the topic of creating a stable budget with an unstable income. As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Our guest is Barbara Sloan, a former exotic dancer and the author of "Tipped," a book about financial empowerment for service industry workers. Be aware that nothing you hear on this podcast constitutes financial advice. Always do your own research and consult your own experts before acting on anything you learn here. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. What kind of career do you have? We tackle some of the main things you need to be aware of when you work in a career that features a variable income. Barbara's book, Tipped, takes you through what you need to know as well. If you're looking for a new career or source of income, check out some of our articles on different jobs and side hustle ideas. The Ultimate Guide to Building Freelance Income Side Hustle Success: Financial Freedom From Lipstick and Bras 7 Tips for Getting a Great Part-Time Job in Retirement Calling All Night Owls: 14 Jobs for People Who Like to Stay Up Late 16 Early-Morning Jobs for People Who Wake Up With the Sun 10 Companies That Hire Part-Time Proofreaders and Editors 7 Things You Need to Know About How to Get a New Job in 2023 4 Tips for a Modern Online Job Search 25 Companies Switching to Permanent Remote Work-From-Home Jobs 9 Top-Paying Side Hustles Where You Could Earn More Than Full-Time Work Why You Can Benefit From a Career Coach Get more from your money Don't forget about money moves you can make, no matter what your income looks like. Here are some of our best resources for budgeting, saving, investing and spending your money. 6 Things Every Self-Employed Worker Should Know About Taxes Money Tight? 4 Legit Ways to Bring in Extra Cash Keep Your Money and Health on Track With These 9 Apps 32 Inflation Hacks to Save You Money in an Economic Downturn 10 Depression Era Hacks and Frugal Living Ideas to Save Money Now 10 Ways to Change Bad Spending Habits and Save Money The 5 Best Budgeting Apps to Get Your Finances Together 8 Surprising Ways to Become Richer Within the Hour Your Guide to Alternative Investments Where Stocks Are Going in 2023 and Where You Should Invest Now 7 Things You Should Know Before Investing in I Bonds The 60/40 Investment Mix Is Dead – or Is It? Meet this week's guest, Barbara Sloan Barbara Sloan is the author of the book Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. Barbara was a homeless teen, who danced for dollars, and definitely did not graduate from college. She spent two decades working in every imaginable position in the service industry all over the country and learning about money on her own. In addition to owning and running a construction company in the heart of Manhattan, she is a personal finance expert and coach. She leverages her experience in the service industry to focus on issues that many in the mainstream financial media don't cover. Barbara lives in New York City with her wife of 10 years, an esteemed corporate finance exec, and together they are a couple of adorable money nerds who point out every dog they see. Website Facebook Instagram Book Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.
In this episode, I'll discuss diamond fluorescence, a topic that is rarely talked about. I'll explain what fluorescence is in my own words, and how it affects the appearance and value of a diamond. I'll also address the question of whether fluorescence is a "good or bad" thing and per usual, how the ultimate answer to that question comes down to personal preference. You'll learn a few things about this lesser-known aspect of diamond buying. Takeaways Fluorescence refers to the discharge of light that occurs when a diamond is exposed to ultraviolet light. Approximately 25-30% of diamonds exhibit some degree of fluorescence. Fluorescence can cancel out the yellowish tint in near colorless diamonds, making them appear whiter. Fluorescence can lower the price of diamonds, making them a bargain for some buyers. Personal preference is key when deciding whether fluorescence is desirable in a diamond. If you need expert advice about something you don't know much about, and need a little guidance, send me an email at andy@buylikeaguy.com and I'll do my best to cover it in an upcoming show. If you're “that guy or girl,” that people should hear from because you know your sh*t about a certain subject, please reach out to me, and let's talk about how we can work together. Music credits: Preacher Man by Miles Neilson and The Rusted Hearts, used with permission. A killer band with original songs that get stuck in your head. They're awesome. Listen To Preacher Man on Spotify: https://open.spotify.com/track/7ImcaJKIk0ZVtPzuUVV4vc?si=80581c74a9be4987
Nausheen Farishta went from hating solo travel to falling in love with it in her 30s. Nausheen is a testament to the transformative power of solo travel and the importance of building a strong relationship with oneself. Discover the power of solo travel and how it can help you build unstoppable self-confidence and find joy. How solo travel can be more affordable than traveling with friends or family Best solo travel activities, such as cooking classes and food tours How to combat loneliness while traveling solo Favorite solo travel destinations worldwide Is solo travel worth it? Get Nausheen's solo travel ebook, “From Doubtful to Darling,” a beginner's planning guide to confident solo travel. Enjoy 15% off with promo code “GLOBE15”. Connect with Nausheen Farishta: Website: globe-gazers.com Follow on Instagram: @globegazers Other Episodes You'll Enjoy: How To Plan Your First Solo Backpacking Trip - Episode 90 Why You Need a Travel Fund – Episode 2 10 Ways To Travel Without Getting Into Debt – Episode 143 Ways To Save Money Traveling and Cut Costs (blog post) Must-Read Budget Travel Books (blog post) Read My Books: We Are Financially Savvy Travelers Affording Travel: Saving Strategies For Financially Savvy Travelers Traveling With a Full-Time Job Managing Your Money As A New Homeowner Iceland: Nature, Nurture & Adventure Connect With Danielle Desir Corbett: Join my newsletter: https://thethoughtcard.substack.com/ Website: www.thoughtcard.com Follow on Instagram: @thedanielledesir Work With Me: Email thethoughtcard@gmail.com for brand partnerships and business inquiries. Resources For Financially Savvy Travelers: Thrifty Traveler Premium for finding cheap flights and mistake fares. CardPointers for figuring out which credit card to use at checkout to maximize points and miles. Save 30% using our link. SafetyWing for travel medical insurance in your home country or anywhere you travel. Trade and Travel course by Teri Ijeoma for learning how to trade in the stock market as a day trader or swing trader. Podcasting Gear and Equipment: ATR2100x Dynamic Microphone Sony Dynamic Stereo Headphones Ausha for podcast hosting Streamyard for streaming and high-quality studio recording Swell AI for episode descriptions, show notes, and social copy
Are you wondering how your local library can save you money? We all know you can check out books, but libraries have plenty of other resources too. On this episode of Eight Frugal Minutes, we share 6 ways libraries can help you live your best life and save money too. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message
Understand how you may actually be able to save money on fast food thanks to “dynamic pricing.” What's the difference between surge pricing and dynamic pricing? How can you take advantage of supply and demand timing for certain products and services? Hosts Sean Pyles and Anna Helhoski tackle the buzz around Wendy's controversial new pricing strategy, dissecting the confusion surrounding surge pricing and clarifying Wendy's actual plan of implementing dynamic pricing starting in 2025. They discuss the potential impact this AI-driven pricing may have on consumers and how it could result in discounts based on factors like weather and demand, and its applications in other areas such as ticket sales, hotels, and airlines. In their conversation, the Nerds discuss: dynamic pricing, fast food costs, AI technology, surge pricing, consumer impact, pricing strategies, Wendy's, rideshare services, supply and demand, menu changes, digital menu boards, AI-enabled technology, real-time data, pricing decisions, ticket sales, value offers, fluctuating prices, industry trends, and price shifts. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.