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Maria Teresa Geniston is General Manager at Fatima Multi-Purpose Cooperative.Fatima Multi-Purpose Cooperative (FMPC) is a progressive, resilient cooperative dedicated to improving members' lives through financial and non-financial services. It offers credit, savings, microfinance, crop processing, water refilling, fuel and LPG distribution, and hospitality ventures. With growing assets, membership, and community investments, FMPC builds strong partnerships and drives inclusive development.Recent Accomplishment: Best Technology Adopter at the SINAG Awards, January 30, 2026.This episode is recorded live at the Fatima Multi-Purpose Cooperative Root Crops Processing Plant in Tunga, Leyte. This episode is in partnership with VSU Agriculture Technology Business Incubator, Visayas State University, PhilRootCrops, ViCARP, and Raise Region VIII.In this episode:00:00 Introduction01:26 Ano ang Fatima Multi-Purpose Cooperative?48:15 How can listeners find more information?FATIMA MULTI-PURPOSE COOPERATIVEFacebook: https://facebook.com/fatimampc1996VSU TBIWebsite: https://tbi.vsu.edu.phFacebook: https://facebook.com/VSUTBIVISAYAS STATE UNIVERSITYWebsite: https://vsu.edu.phFacebook: https://facebook.com/visayasstateuPHILROOTCROPSWebsite: https://philrootcrops.vsu.edu.phFacebook: https://facebook.com/philrootcropsVICARPWebsite: https://vicarp.vsu.edu.phFacebook: https://facebook.com/vicarpregion8RAISE EASTERN VISAYASFacebook: https://facebook.com/p/RAISE-Eastern-Visayas-100082758964424THIS EPISODE IS CO-PRODUCED BY:OneCFO: https://onecfoph.coKredit Hero: https://kredithero.comYspaces: https://knowyourspaceph.comTwala: https://www.twala.ioSymph: https://symph.coSecuna: https://secuna.ioSkoolTek by Edfolio: https://skooltek.coRed Circle Global: https://www.redcircleglobal.comCHECK OUT OUR PARTNERS:Ask Lex PH Academy: https://asklexph.com (5% discount on e-learning courses! Code: ALPHAXSUP)ArkoTech: https://www.arkotechspacesolutions.comDVCode Technologies Inc: https://dvcode.techNutriCoach: https://nutricoach.comArgum AI: http://argum.aiPIXEL by Eplayment: https://pixel.eplayment.co/auth/sign-up?r=PIXELXSUP1 (Sign up using Code: PIXELXSUP1)School of Profits: https://schoolofprofits.academyFounders Launchpad: https://founderslaunchpad.vcHier Business Solutions: https://hierpayroll.comAgile Data Solutions (Hustle PH): https://agiledatasolutions.techSmile Checks: https://getsmilechecks.comCloudCFO: https://cloudcfo.ph (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH)Cloverly: https://cloverly.techBuddyBetes: https://buddybetes.comHKB Digital Services: https://contakt-ph.com (10% discount on RFID Business Cards! Code: CONTAKTXSUP)Hyperstacks: https://hyperstacksinc.comWunderbrand: https://wunderbrand.comUplift Code Camp: https://upliftcodecamp.com (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH)START UP PODCAST PHYouTube: https://youtube.com/startuppodcastphSpotify: https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVaApple Podcasts: https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394Facebook: https://facebook.com/startuppodcastphPatreon: https://patreon.com/StartUpPodcastPHPIXEL: https://pixel.eplayment.co/dl/startuppodcastphWebsite: https://phstartup.onlineThis episode is edited by the team at: https://tasharivera.com
Dr. Phil discusses how sophisticated networks of online hackers and internet scammers are targeting individuals in attempt to steal their identity and empty their bank accounts. Dr. Phi shares the detailed inner workings of how scammers were able to deceive married couple of 51 years, Mike and Roxanne, out of their entire life savings worth over one million dollars. Mike and Roxanne share with Dr. Phil the details of a scam that not only played out over 4 months, but involved alleged manipulation techniques so advanced, that Mike and Roxanne would never believe know they were being scammed, until it was too late.Thank you to our sponsors that made this episode possible:*ArKay Zero Proof is made so you can celebrate fully, feel your best, and never compromise. Try the zero-proof revolution at https://arkaybeverages.com/ Use code PHIL for 15% off your first beverage. ArKay gives you great flavor without the alcohol.*NMLS 182334, https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 888-841-1319, for details about credit costs and terms. Or https://americanfinancing.net/Phil*Don't wait! If you're on Medicare or will be soon, reach out to Chapter: Call: (352)-845-0659 or go to https://askchapter.org/ to learn about your Medicare options and get help finding ways to save money.*Diabetes doesn't wait. And the cost of waiting can be devastating. But there is another option you need to know about. Learn more: https://drphildiabetes.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Live from Morgan Stanley's European Financials Conference, our Head of European Banks Alvaro Serrano and European Equity Research Banks Analyst Giulia Aurora Miotto discuss how geopolitics, private credit risk and AI are testing how resilient banks really are.Read more insights from Morgan Stanley.----- Transcript -----Alvaro Serrano: Welcome to Thoughts on the Market. I'm Alvaro Serrano, Head of European Banks.Giulia Aurora Miotto: And I'm Giulia Aurora Miotto, European Equity Research Banks Analyst.Alvaro Serrano: Today we're at our annual European Financials Conference.It's Thursday, March 19th at 1:30pm, London.We're at our European Financials conference. Attendance is up almost at record levels, a great deal of engagement with both investors and companies – with three main topics dominating the debate: geopolitics, private credit, and AI. I think, on the Middle East, clearly a lot of focus during the whole three days. I think the message from banks has been about the resilience of the business model, acknowledging the loan growth could be weaker. Some of the investment decisions could be delayed, given the uncertainty. And of course, fees could also be affected as a result. On the flip side, there's an acknowledgement that during stress, savings rates go up. Deposit growth could be better, and with a steeper curve that could be better monetized. So, the message from the banks is about the resilience of the pre-provision profit outlook. Some banks have been talking about top-up of provisions if the situation persists in a IFRS9 world. But we do believe the overall outlook for earnings is of a resilient picture. However, we acknowledge the positioning of the sector is much richer than it was this time last year. The positioning; that means if stress continues, we could see the multiple suffering. And that, to be honest, is what we see the biggest channel of contagion to the sector is – is multiple de-rating if the stress continues, in what otherwise looks like a pretty resilient earnings picture. Giulia, what did you learn on private credit? Giulia Aurora Miotto: Yes, private credit was definitely another area of big focus and worrying from investors. From a bank's perspective, all the banks that are involved in private credit highlighted a couple of things. First of all, they tend to be senior when they lend to B2Cs. Secondly, they are over collateralized by hundreds, if not thousands of loans. And then thirdly, most investment banks have been doing this for a decade or more, and they tend to partner only with prime sponsors. So overall, the message was actually rather reassuring. Alvaro, AI was the other big topic at the conference. What did you learn there? Alvaro Serrano: It's even a bigger topic than last year. And obviously some of the volatility we've seen year-to-date contributed to that. I think overall the banks are seen as net beneficiaries of AI from an operational perspective. There's an acknowledgement that in an AI world, competition might increase, deposit competition has come up. Some fee products has also come up. But you have banks guiding to 9 percentage points improvement in cost income ratio in the next three years. So, the operational savings from productivity are seeing them more than offsetting any potential increase in competition. I think the known-unknown is employment; consequences of the improved productivity further down the line. But the message in Europe is relatively reassuring considering that over 20 percent of the workforce in Europe is expected to retire [in] the next 10 years. So, overall, seen as net beneficiaries.There's also discussions around regulation Giulia… Giulia Aurora Miotto: Yes, we had Maria Luís Albuquerque, European Commissioner in charge of the Savings and Investment Union project. This was one of the most attended sessions. And we heard on one side definitely determination to deliver on the project of the savings and investment union and deepen European capital markets. And mobilize savings towards more productive investments. On the other side, investors were rather skeptical and are really in wait and see mode. Some banks highlighted that they expect the progress on some of the key packages like securitization or market integration package as soon as May. So, we think this is a key area to monitor over the coming months – from a European competitiveness standpoint, Alvaro Serrano: I think that's a great place to wrap it up. And to our audience, thanks for listening. If you enjoy listening to Thoughts on the Market, do let us know wherever you listen and share the podcast with friends and a colleague today.
Brandon Sedloff sits down with John Atwater to explore the evolution of Prime Finance and the broader dynamics shaping real estate private credit. John shares the story of launching Prime during the Savings and Loan crisis and how periods of market stress often create the best opportunities for disciplined lenders. The conversation traces the growth of Prime into a major platform across CMBS, origination, and special situations while examining how lending businesses are ultimately built around relationships and service. Along the way, they discuss how today's private credit market compares to past cycles and where the most compelling opportunities may emerge over the next several years. They discuss: • John Atwater's career path and the founding of Prime during the Savings and Loan crisis • Why market dislocations often create the best investment opportunities for lenders • How Prime built scale across CMBS, origination, and special situations strategies • Key differences between real estate private credit and corporate private credit markets • Current private credit market dynamics and the outlook for the next five years Links: John on LinkedIn - https://www.linkedin.com/in/john-atwater-89ba1b126/ Prime - https://primefinance.com/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/ Topics: (00:00:00) - Intro (00:02:34) - John Atwater's career and background (00:12:39) - Starting prime during the S&L crisis (00:17:28) - Why crisis creates opportunity (00:22:42) - Building the Prime finance platform (00:28:04) - Special situations vs origination (00:33:12) - Real estate credit vs corporate private credit (00:40:08) - Current private credit market dynamics (00:43:31) - Outlook for next 5 years (00:50:20) - How to reach prime finance (00:50:42) - Closing remarks
Bruin's Diehard: Boston Bruins Analysis, NHL Recap, and Hockey Chatter
Most people assume retirement success comes down to picking the right investments, earning higher returns, or trying to outperform the market. But that is rarely the deciding factor. In this episode of The Retirement Fiduciary, Adam Koós explains why most retirement plans fail and what truly drives long-term success. He walks through the difference between saving and chasing returns, why controlling fixed expenses matters more than most people realize, how risk should support the plan instead of the ego, and why every successful retirement is built around a written, living, breathing financial plan. Episode Timestamps 00:00 – Welcome and why most people misunderstand retirement success 01:45 – Why savings matters more than portfolio returns 02:30 – The marathon analogy: returns are weather, savings is forward movement 05:15 – The shift from growth to funding your life in retirement 05:55 – Why controlling fixed expenses creates flexibility 06:30 – The 15-year vs. 30-year mortgage example and liquidity risk 09:05 – Paying yourself first and removing guilt from spending 10:00 – Emergency funds, high-yield cash, and "gunpowder" in retirement 12:10 – Why risk should serve the plan, not your ego 13:15 – The many forms of risk most people overlook 15:30 – Why bad retirement plans assume a static future 16:30 – The danger of linear return assumptions 17:00 – Why simple, understandable plans tend to work better 19:00 – Why diversification alone is not a complete retirement strategy 20:00 – The missing piece: a comprehensive written financial plan 21:20 – Final takeaway: retirement success is about adaptability, not prediction Key Takeaways
On May 16, 2003, a silent alarm was triggered inside Blue Ridge Savings Bank in Greer, South Carolina. When officers arrived just minutes later, they found the bank empty and the cash drawer cleared out.In a small utility room at the back of the building, they made a devastating discovery. Head teller Sylvia Holtzclaw, along with customers Dr. Eb Barnes and his wife Maggie Barnes, had all been shot and killed.Surveillance footage from inside the bank was missing. Grainy video from nearby gas stations showed a red car speeding away from the area, but investigators were never able to identify the driver. More than 20 years later, the triple homicide at Blue Ridge Savings Bank remains unsolved, and detectives are still searching for the person or people responsible.If you have any information, please contact the FBI Office in Greenville, South Carolina at (803) 551-4200 or the Greer Police Department at (864) 848-2151.Editor: Shannon KeirceResearch/Writing: Haley GraySUBMIT A CASE HERE: Cases@DetectivePerspectivePod.com SOCIALInstagram: https://www.instagram.com/detperspective/Twitter: https://twitter.com/detperspectiveFIND DERRICK HERETwitter: https://twitter.com/DerrickLInstagram: https://www.instagram.com/DerrickLevasseurFacebook: https://www.facebook.com/DerrickVLevasseurCRIME WEEKLY AND COFFEECriminal Coffee Company: https://www.CriminalCoffeeCo.comCrime Weekly: https://crimeweeklypodcast.com/shopADS:1. https://www.GetAcreGold.com - Diversify your portfolio and sign up today!2. https://www.HungryRoot.com/Detective - Use code DETECTIVE for 40% off and a FREE item for life!
Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool. But we don't stop there: Tax season is a prime time for scammers, and they're getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind. Whether you're a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have.
The industry changes, but the core challenges of running a dental practice remain remarkably consistent. In this foundational episode of The Millionaire Dentist, hosts Casey Hiers and Jarrod Bridgeman pull back the curtain on how Four Quadrants Advisory has spent over 22 years helping practice owners master the business side of dentistry.We move past the transactional "quick fixes" and dive into what it actually takes to build a life-changing financial strategy. If you've ever felt like the "business" part of your practice is a second full-time job you didn't sign up for, this episode is your roadmap to taking back control.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory
The fallout from Trump's escalating conflict with Iran is growing, and the political backlash is getting louder. Polls show the war is deeply unpopular with Americans, with majorities disapproving of the strikes and questioning the administration's strategy. Even some prominent voices on the right are pushing back, warning that the conflict contradicts the “America First” promise to avoid new foreign wars. Meanwhile, a growing chorus online is asking whether this sudden military escalation is also serving as a distraction from the ongoing controversies surrounding Jeffrey Epstein and the unanswered questions many Americans still have. This episode is sponsored by MSI. Donate today Text LEMON to 511511, or https://MSIUnitedStates.org This episode is brought to you by BiOptimizers. Go to https://bioptimizers.com/donlemon and use my exclusive code DON15 to get 15% off any order. Make 2026 the year you finally start sleeping great again. This episode is sponsored by Graza. Take your food to the next level with Graza. Visit https://graza.co/LEMON and use promo code LEMON today for 20% off your first order! This episode is brought to you by Shopify. See less carts go abandoned and more sales go with Shopify and their Shop Pay button.Sign up for your one-dollar-per-month trial today at https://SHOPIFY.COM/lemon For free and unbiased Medicare help, dial 212-931-0855 to speak with my trusted partner, Chapter, or go to https://askchapter.org/don DISCLAIMER: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors. Learn more about your ad choices. Visit megaphone.fm/adchoices
Don't miss the 2nd round of Medicare Part D negotiated drug prices. Get the details on the prescriptions and savings for Medicare beneficiaries in 2027. Read the text version Get Connected:
On this week's Merryn Talks Your Money personal finance episode, Merryn Somerset Webb and John Stepek tackle a listener’s question about an issue many young UK professionals face: where should retirement savings go after auto-enrollment—a SIPP, an ISA or a Lifetime ISA? With markets volatile, rules changing and political risk on the horizon, the pair break down the pros and cons of each option. Sign up to the subscriber event here: https://www.bloombergevents.com/ZZ3kna?utm_source=Podcast&utm_campaign=Podcast&utm_medium=Podcast&RefId=subSee omnystudio.com/listener for privacy information.
WHAT’S NEW AT TEN! GUEST: Dr. Jason Johnson of MSNOW on Iran, the economy and Seahawks. // Record Numbers of Workers Are Raiding Their 401(k) Savings // SCENARIOS!
Are cash flow problems making growth feel risky? If your revenue is climbing but profit keeps disappearing, this episode will show you exactly what to fix first. In this episode of Business by the Books, Danielle Hayden breaks down the 65-20-15 framework — the exact system Kickstart Accounting uses with CFO clients to help small business owners scale without draining cash or funding growth with debt. If you've been avoiding your numbers or making financial decisions based on stress instead of strategy, this is your starting point for building real financial clarity as a CEO. You'll learn: Why cash flow problems persist even when revenue is growing How to use the 65-20-15 framework to protect profit while scaling The bookkeeping mistakes that make this framework impossible to apply What to do when your current revenue can't fund growth yet How to stop guessing with money and start thinking like a CEO Key Takeaways: 00:00 Intro 00:15 Why growth without a framework drains profit 01:35 Bucket 1: Operating Expenses (65%) 02:25 Bucket 2: Savings (20%) 03:25 Bucket 3: Intentional Growth (15%) 04:10 How to apply the 65-20-15 framework to your income statement today 06:55 What to do when your revenue can't fund growth yet 07:10 Outro Resources: ✨CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/ ✨Check Your Books | https://kickstartaccountinginc.com/ ✨Book a Call | https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: ✨Instagram | https://www.instagram.com/Kickstartaccounting ✨YouTube | https://www.youtube.com/@businessbythebooks ✨Facebook | https://www.facebook.com/kickstartaccountinginc
Financial Flywheel How Savings Begets More Savings by Buck$ Outside The Box Podcast
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Quint and Logan talk through the best places to save money. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Yo Quiero Dinero: A Personal Finance Podcast For the Modern Latina
What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind?In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works.We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind.Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos. WE GET INTO:00:42 - Meet Sahirenys: Creator of the High 5 Banking Method02:14 - Growing Up Watching Her Parents Lose Everything in 200805:33 - From Pharmacy School to Financial Planning07:03 - Why Less Than 4% of CFPs Are People of Color09:04 - How Her Son's Heart Defect Inspired a Money System11:14 - Saving with Confidence: The Surgery Fund Story13:10 - How the System Held Up When Everything Went Wrong at Once14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where19:21 - Do All Your Accounts Have to Be at the Same Bank?20:25 - High-Yield Savings Accounts: Do You Actually Need Them?21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)27:00 - Managing Family Financial Pressure the Cultural Way30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense34:37 - The Four Game Changers for Running Your Household41:28 - Can Free-Spirited People Actually Use Systems?44:10 - What's Inside the BookKEY TAKEAWAYS:Why one checking and one savings account is keeping you stuckHow to set up five purpose-driven accounts without starting from scratchWhen to use high-yield savings — and when it doesn't actually matterHow to build an SOP so you're never scrambling financially in a crisisThe four household systems that eliminate the mental load of running a homeWhy financial systems aren't just about money — they're about protecting your familyCONNECT WITH SAHIRENYS:Instagram: @poisedfinanceandlifestyleWebsite: poisedlifestyle.comBook: The High 5 Banking Method — available at Barnes & Noble, Target, Walmart, and everywhere books are soldTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
What do tariffs, war, AI agents, and a collapsed accounting startup have in common? This week, Blake and David connect the dots between rising economic pressure and rapid tech change. They break down the lopsided cost of drone warfare, small businesses getting crushed by tariffs, AI tools handling tax and bookkeeping tasks, and new details on Botkeeper's collapse. You'll hear what these shifts could mean for accountants, firms, and the future of the profession.SponsorsUNC - http://accountingpodcast.promo/uncOnPay - http://accountingpodcast.promo/onpayCloud Accountant Staffing - http://accountingpodcast.promo/casChapters(01:27) - Sponsor Break UNC (02:46) - War Costs and Drones (08:58) - GPT 5.4 for Accountants (11:13) - AI Agent Files City Tax (15:23) - Claude Skill for Tax Prep (17:11) - Sponsor Break OnPay (18:55) - Gemini Makes Theme Music (22:33) - Uber CEO AI Clone (24:22) - Botkeeper Collapse Follow Up (31:13) - QuickBooks Integration Doubts (31:53) - Cloud Accountant Staffing Spot (32:59) - KPMG Earnings Leak Theory (37:23) - Zapier AI Guardrails (39:43) - 401k Hardship Withdrawals Rise (43:02) - Tariff Refunds and AI Lawsuits (46:27) - Trump v Trump IRS Lawsuit (48:43) - IRS Union Contract Termination (50:01) - Direct File Act Returns (51:56) - Meta 16B Tax Fight (54:33) - Trump Accounts Auto Enrollment (56:13) - Accounting Degrees Loan Limits (57:39) - CPE App and Sign Off Show NotesIran's Drones Cost a Fraction of the U.S. Weapons Shooting Them Down https://www.nytimes.com/2026/03/04/business/iran-drones-us-weapons-cost.html Introducing GPT-5.4 https://openai.com/index/introducing-gpt-5-4/ Breaking Up with TurboTax: How I Used Claude to File My Taxes for Free https://kachess.dev/taxes/ai/personal-finance/2026/02/27/breaking-up-with-turbotax.html Show HN: Claude Skill to Do Your Taxes https://news.ycombinator.com/item?id=47277164 Enrico Palmerino Explains Botkeeper's Fall https://www.accountingtoday.com/news/enrico-palmerino-explains-botkeepers-fall Uber CEO Dara Khosrowshahi Has an AI Clone https://www.fastcompany.com/91500087/uber-ceo-dara-khosrowshahi-has-an-ai-clone KPMG-Audited Companies Are Trading Strangely on Polymarket https://eventwaves.substack.com/p/kpmg-audited-companies-are-trading Zapier Updates: AI Guardrails & Governance Controls https://zapier.com/blog/february-2026-product-updates/ Record Numbers of Workers Are Raiding Their 401(k) Savings https://www.wsj.com/personal-finance/retirement/401k-hardship-withdrawals-record-vanguard-2025 For Some Small Businesses, a Tariff Refund Isn't Worth the Pain of Pursuing It https://finance.yahoo.com/news/small-businesses-tariff-refund-isnt-worth-pain-pursuing-it.html Trump's IRS Lawsuit Offers Lessons on Privacy and Legal Process https://news.bloombergtax.com/tax-insights-and-commentary/trumps-irs-lawsuit-offers-lessons-on-privacy-and-legal-process Democrats Unveil Bill to Resurrect Direct File https://www.accountingtoday.com/news/democrats-unveil-bill-to-resurrect-direct-file I.R.S. Tactics Against Meta Open a New Front in the Corporate Tax Fight https://www.nytimes.com/2026/02/24/business/irs-meta-tax-ireland.html IRS Should Open Trump Accounts for Eligible Children Automatically, AICPA Says https://www.journalofaccountancy.com/news/2026/feb/irs-should-open-trump-accounts-for-eligible-children-automatically-aicpa-says/ NASBA Urges U.S. Department of Education to Restore "Professional" Status for Accounting Degreeshttps://nasba.org/blog/2026/03/05/status-for-accounting-degrees/Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merch
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The hosts Jon and Robert run through sponsor shout-outs, upcoming events and dinners, booking blinds and hunts, and gear talk as they reset after waterfowl season. They also discuss community projects, the Filthy Spoon co-op, trips (Reno, Delta Waterfowl, Tule Creek), shooting instruction, and plans for turkey and striper seasons.
Fresh off the absolute victory for the Greens in Gorton and Denton, Ed Balls and George Osborne debate whether the betting markets - which accurately predicted the results - are reliable forecasters in elections in this week's EMQs. George ponders if, unlike official polling, it might be possible to influence the odds in your favour? Fellow ex-MP Gyles Brandreth asks the brutally honest question: did their careers peak when they were politicians? Despite all their success in podcasting and elsewhere, was being in government the best days of their lives? The pair debate the idea which ends up causing them to reminisce about Michael Gove's dog and a chicken named Gordon.Finally, Mayor of York and North Yorkshire David Skaith asks the best way a mayor can promote growth in their region, particularly one as rural as his. After offering David some useful ideas, the pair wander down a Wuthering Heights tangent and Ed gifts listeners with his slightly dubious Kate Bush impression. David also asks Ed for some personal advice on being a public figure with a stammer. We love hearing from you, so please don't forget to send all your EMQs to questions@politicalcurrency and make sure to include a voice note of your question.This podcast is sponsored by Chip. Join 400,000 customers building long term wealth. Also Chip have agreed that just for our listeners, for your first £10,000 deposited into Chip before midnight 20 March 2026, they'll give you a Fortnum & Mason hamper after holding it for 90 days - just head to getchip.uk/politicalcurrency.T&Cs apply, you must be a new Chip customer, over 18, a UK tax resident, and it's app only. Chip is a trading name of Chip Financial Limited. Savings products are provided by Clearbank and are protected up to the FSCS limit. When investing, your capital is at risk.Thanks for listening. To get episodes early and ad- free join Political Currency Gold or our Kitchen Cabinet. If you want even more perks including our exclusive newsletter, join our Kitchen Cabinet today:
Al's on the mic with a London-led study suggesting specialist palliative care can improve quality of life and ease pressure on the NHS — yes, a rare win-win. Then the UK ADHD debate gets a much-needed reality check as experts say the bigger issue isn't overdiagnosis… it's unmet need and long waits. After that, we jump to physics where atom-thin magnets start forming tiny vortices like it's completely normal, before China's brain-computer ambitions give the sci-fi crowd something to talk about. In gaming, Marvel Rivals brings back Chrono Rush, and we finish on commuter tech: The Standard's take on Google's Pixel 10a. More on all of it at standard.co.uk — and follow Tech and Science Daily from The Standard for your weekday briefing. Hosted on Acast. See acast.com/privacy for more information.
The $15 Lunch That Quietly Steals the Future Bruce and I were talking recently about something that looks harmless on the surface—and yet it explains why so many people feel stuck. Bruce went to lunch and noticed groups of high school kids spending $15–$20 a day at a sit-down restaurant. Every day. And it hit him: we hear the same families say, “My kids will never be able to afford a home.” https://www.youtube.com/live/pIMRNKh4wuQ This isn't about shaming anyone. It's about seeing what's really happening. Because wealth isn't built by one big heroic moment. It's built by the quiet decisions that happen over and over, especially when nobody's watching. That's why this matters: if you're saving, you're already doing something most people don't. But saving alone isn't the end goal. The goal is learning how to turn savings into wealth—so your savings stops sitting idle, stops losing ground to inflation, and becomes part of a system that builds long-term financial strength. How to Turn Savings Into Wealth (Without Chasing the Next “Hot” Thing) If you've been saving money, I want you to hear me clearly: you're winning. Saving is the admission ticket. It's the foundation. It's the habit that makes everything else possible. But here's the tension we see all the time: You save… and it feels like it's just sitting there. You save… and inflation makes you wonder if you're falling behind. You save… but you don't feel confident about what to do next. So in this article, Bruce and I are going to walk you through a simple but powerful shift: Stop thinking of savings as “parked money.” Start thinking of it as net investable income. And then we'll show you how to build a wealth building system that helps you: develop the financial habits of wealthy people avoid lifestyle creep position capital for opportunity build wealth without high risk and create liquidity and control in investing You'll also learn why the cultural mantra “get your money moving” can be dangerous—and what to do instead. The Core System for Turning Savings Into Wealth 1) How to Turn Savings Into Wealth Starts With One Habit: Delayed Gratification Bruce said it plainly: without the habit of saving, you don't have capital to deploy. And here's what's important: delayed gratification is not a scarcity mindset. It's a decision to value your future self. Bruce shared the story of when he and his wife got married in 1986. They didn't have much. They chose to live simply—walking in the park, baking a peach pie from peaches they picked themselves—instead of spending money trying to keep up appearances. And in less than a year, they saved enough not only for a down payment, but to furnish a home and cover all the startup costs of moving into it. People love to say, “It was different back then.” And yes—some things were different. But here's the point Bruce was making: Even when you adjust for the price changes, the principle still holds: wealth is built when you consistently spend less than you make—and you do it long enough for capital to stack. This is the beginning of a savings strategy for wealth building. The real cultural battle today I added something here because we see it everywhere: the pressure to “live now.” If you want to enjoy life now, that's a choice. But you can't also expect to retire early, build financial freedom, and create multi-decade stability without adopting the disciplines that make it possible. You don't need perfection. You need a consistent system. 2) Savings vs Investing for Wealth Building: Don't Confuse “Movement” With Progress This is one of the most important distinctions in the entire conversation. There's a lot of content online telling people:“Don't let money sit.”“Get your money moving.”“Make your money work.” But movement is not the same thing as progress. Bruce told a story that makes this painfully clear: a very successful person had access to a $1 million line of credit, and someone convinced him to trade options with it. In one year, he lost $795,000. Let that sink in. Whatever inflation is doing to your savings, it is not cutting it down by 79% in a year. That's why the question isn't, “How do I move money faster?” The question is: How do I deploy capital wisely—without gambling? That's what separates families who build real wealth from families who stay stuck on a boom-and-bust cycle. This is exactly why we talk about positioning capital. 3) Positioning Capital: How to Position Capital for Investment Opportunities Bruce brought up Warren Buffett, and I love this example because it resets people's thinking. Buffett has held enormous amounts of cash at Berkshire Hathaway—because he wants to be ready when opportunity shows up. He'd rather lose a small amount to inflation for a season than put money into something he doesn't understand and lose it permanently. His first rule is simple: don't lose money. When you have positioned capital, you gain something most people don't have: Control. And control creates: negotiating power speed when the right deal appears calm decision-making the ability to say “no” to bad opportunities This is the heart of a cash position strategy. Because the truth is: the best opportunities often show up during uncertainty. If you're fully deployed and illiquid, you watch them pass. If you're positioned, you can act. 4) Net Investable Income: How to Turn Cash Savings Into Investable Income Here's the mental upgrade that changes everything: Most people treat savings like this:“I'm saving up for a vacation.”“I'm saving up for a car.”“I'm saving up for the next expense.” That's not wrong—it's just limited. If you want to turn savings into wealth, you need another category: Savings that is designated as net investable income. This is money you're intentionally allocating for the future—not to spend, but to deploy when the right opportunity appears. That shift turns savings into a strategic tool. And once you do that, you can build what I call a system. 5) A Wealth Building System: The “Marble Machine” That Never Stops I shared a picture from my own mind that I come back to all the time. We once built a wooden 3D puzzle—one of those machines where you crank a handle and marbles run through a track, loop around, and come back to the beginning. That's what a system is. A system is not sporadic. It's not random. It's not emotional. It's rules and flow. Here's the basic wealth system we discussed: A portion of your income automatically goes into a “wealth accumulation” bucket That bucket holds capital safely until you're ready to deploy You deploy into an opportunity designed to produce cash flow or equity growth That returns cash flow back into your system (not lifestyle creep) The increased income allows you to allocate even more capital going forward That's how wealth compounds in real life. This is how to build wealth with savings—because your savings becomes the engine that feeds the next level. 6) Liquidity and Control in Investing: Why We Like Specially Designed Whole Life Insurance Now let's talk about the tool we referenced—because this is where people start to realize there are levels to this. If your wealth accumulation bucket is a standard savings account, here's what happens: you put money in you deploy it the money leaves the bucket But when we use specially designed whole life insurance (built for cash value), something different becomes possible: You can access capital without removing it. You can borrow against the cash value, deploy into an opportunity, and still have your capital continuing to grow inside the policy (depending on carrier design). That's what we mean when we say this can amplify the system:your money can be working in more than one place at a time. And you still have benefits like a death benefit, plus the ability to use the same pool of capital over and over. This is why people search terms like: whole life insurance cash value strategy cash value life insurance for liquidity and control borrow against life insurance policy for investing Infinite Banking Concept life insurance as a wealth accumulation tool Is it for everyone? No. It needs to fit your cash flow, goals, and timeline. But it is one of the most powerful tools we've seen for people who want liquidity, control, and long-term stability without relying on banks. 7) Create Guardrails: The Most Practical Way to Avoid Bad Decisions Bruce shared something I love because it's so honest. He keeps his accumulation account at a separate credit union: not linked to his main bank no ATM card harder to access quickly Why? Because systems work best when you plan for your humanity. I added this in the episode: we often act like we're above temptation. But the truth is, most of us make worse decisions when it's easy. Guardrails help you stay aligned with what you said you want. This is also how you avoid lifestyle creep: you don't let investment returns drift back into everyday spending. You route them back into the system. 8) Teaching the Next Generation: Give, Save, Spend We also talked about building this into your children early. In our home, we keep it simple: Give (often 10%) Save (often 40%) Spend (often 50%) The “save” portion goes somewhere they can't casually pull from. It's meant to build strength and future options. Because turning savings into wealth is not just a financial technique—it's a way of thinking and living. The Point of Turning Savings Into Wealth If you remember nothing else, remember this: Savings is not the enemy.Savings is the foundation. But to build wealth, you need to turn savings into a system:
Two episodes in a week, don't hold your breath, it wont be a continous thing. Eric was great pre-usual only good thing about Wednesday. But thats not the reason for this episode, its all about Daylight Savings and why the heck we have it. I thought it was to do with farming well I was wrong. I just want to get on the same page across the country but thats a big ask. Please rate/like/review where ever it is you stream podcasts. Also give the show a follow on instagram @something.about.podcast
The Hidden Lightness with Jimmy Hinton – 43% of Americans say they could not cover a $1,000 emergency expense without borrowing money or going into debt. Millions of Americans are living paycheck to paycheck. Savings rates remain low. Consumer spending continues to rise, but much of that spending is being fueled by credit rather than financial stability...
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This episode marks Kathy Jones' farewell as co-host of On Investing. Collin Martin, Schwab's head of fixed income research, takes over as co-host starting on March 20. As Kathy prepares for retirement after a decades-long career in finance, she reflects back on some of the most important lessons she learned throughout her career. She recounts how she started out as a runner at the Chicago Board of Trade before moving into research. Some of her core investing lessons from 50 years in markets include: The trend is your friend, don't marry your investments, and understand risk management. Then, in light of recent military action in Iran, Kathy and Liz Ann also discuss the state of geopolitical risk and its market implications. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions (0326-L457) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In The Pits: Weekly Nascar and Indy Racing Recaps, Car Racing Expertise, and New England Racing
From the Williams Broadcasting Studio join John, Scott, Spencer and Mark for this weeks motorsports racing news update "In The Pits".
(March 05, 2026) President Trump calls on Kurds to aid U.S. effort in Iran, offers American support. Record number of workers are raiding their 401k savings. Why the California wine industry is being crushed. The disappearing American mortgage.See omnystudio.com/listener for privacy information.
Bruin's Diehard: Boston Bruins Analysis, NHL Recap, and Hockey Chatter
From the Williams Broadcassting Studio join John Williams and Jeff Mannix for this weeks Boston Bruins Hockey News update "The Bruins Diehards" podcast!!
Success in dentistry isn't just about being a great clinician; it's about being a master strategist. In this episode of The Millionaire Dentist, Casey Hiers and Jarrod Bridgeman sit down to discuss why "playing it safe" is often the riskiest move a practice owner can make.From Casey's battle with a stubborn sore throat to Jarrod's recent deep dive into a competitive Magic: The Gathering tournament, the guys find inspiration in the most unlikely places. They draw a direct parallel between the high-stakes strategy of a card game and the complex maneuvers required to run a profitable dental practice.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory
PJ talks to Oliver Deasy the man behind the Group Solar Scheme for Newton Court in Grange who explains how a neighborhood scheme can cut the cost of going solar by 50% and to Cllr Oliver Moran who is organizing an event featuring the scheme The event is called "Solar PV For Half The Price A Study From Newton Court (Grange, Douglas) Sustainable Energy Community". It's on Thu Mar 12th 7.30PM at St Josephs Community Assoc Old Youghal Rd (Mayfield Library) Hosted on Acast. See acast.com/privacy for more information.
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This morning, Don breaks down the latest updates on the rapidly expanding crisis in the Middle East. As U.S. and Israeli strikes against Iran continue, regional retaliation spreads, and world powers grapple with what may be a long, costly conflict with no clear end in sight. We'll talk about how this is already affecting American lives, from rising fuel prices at the pump to economic ripple effects and global instability, and what might come next as tensions escalate day by day. Then, we'll shift gears to take a look at today's major political news from Texas: James Talarico has won the Democratic primary for the U.S. Senate race, emerging victorious over Congresswoman Jasmine Crockett in a closely watched contest that could reshape statewide politics this November. Can he flip a long-Republican seat in the general election? We'll break down what this win means and what lies ahead. This episode is brought to you by Incogni. Go to https://incogni.com/donlemon and use code donlemon for 60% off. Incogni HELPS wipe yourself from the Internet — they can't harm you if they can't find you. Click the link below to claim your 60% off and get your personal data off the market! Erase yourself from the internet. This episode is sponsored by 120Life. Go to https://incogni.com/donlemon and use code donlemon for 60% off. Incogni HELPS wipe yourself from the Internet — they can't harm you if they can't find you. Click the link below to claim your 60% off and get your personal data off the market! Erase yourself from the internet This episode is sponsored by BetterHelp. BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at https://BetterHelp.com/donlemon This episode is brought to you by Shopify. See less carts go abandoned and more sales go with Shopify and their Shop Pay button.Sign up for your one-dollar-per-month trial today at https://SHOPIFY.COM/lemon For free and unbiased Medicare help, dial 212-931-0855 to speak with my trusted partner, Chapter, or go to https://askchapter.org/don DISCLAIMER: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, Don breaks down Day 2 of Kristi Noem's testimony, this time before the House, and let's just say… it was wild. From tense exchanges to repeated dodges, lawmakers pressed Noem hard on her leadership, policy decisions and accountability. Instead of clear answers, viewers saw deflection, contradiction, and mounting frustration from members of Congress on both sides of the aisle. What stood out? What questions did she refuse to answer? And after two days of heated hearings, will there be any real consequences, or is this just another Washington spectacle with no follow-through? This episode is brought to you by Incogni. Go to https://incogni.com/donlemon and use code donlemon for 60% off. Incogni HELPS wipe yourself from the Internet — they can't harm you if they can't find you. Click the link below to claim your 60% off and get your personal data off the market! Erase yourself from the internet. This episode is sponsored by 120Life. Go to https://incogni.com/donlemon and use code donlemon for 60% off. Incogni HELPS wipe yourself from the Internet — they can't harm you if they can't find you. Click the link below to claim your 60% off and get your personal data off the market! Erase yourself from the internet This episode is sponsored by BetterHelp. BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at https://BetterHelp.com/donlemon This episode is brought to you by Shopify. See less carts go abandoned and more sales go with Shopify and their Shop Pay button.Sign up for your one-dollar-per-month trial today at https://SHOPIFY.COM/lemon For free and unbiased Medicare help, dial 212-931-0855 to speak with my trusted partner, Chapter, or go to https://askchapter.org/don DISCLAIMER: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aubrey Masango host Dr Frank Magwegwe, Faculty Member at GIBS to discuss how freelancers can build financial stability even when their income is unpredictable. Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, Dr Frank Magwegwe, Freelancer, Wages, Savings, Investment, Financial advisor, Insurance The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
"It's not about deprivation. It's about balance. It's about taking care of your today self and your future self." Join our hosts, Stephanie McCullough of Sofia Financial and Kevin Gaines of American Financial Management Group, as they simplify the world of financial planning, starting with understanding cash flow. They tackle how to monitor the inflow and outflow of your money, without yet worrying about its source or where it's going. Learn the importance of observing more than one month of data, as things can fluctuate from month to month. Stephanie and Kevin further explore the significance of setting up an emergency fund and how much cash you should ideally have available. Listen as they explain why it's essential to have a cash cushion to cover unexpected expenses. They provide insights on how to calculate the amount you should have in your emergency fund and why it may need to be increased if your future seems uncertain. Also, discover the differences between cash and investments, and why cash is best for emergencies. They discuss the different retirement savings and investing options available, such as 401(k)s, IRAs, and target date funds. Gain knowledge on the benefits of each, from lower costs to matching options and pre-tax savings. They also touch on setting up a regular investment account with no limits or restrictions. Their ultimate aim is to emphasize the importance of establishing an investment plan that suits you and doesn't cause unnecessary stress. This episode is your guide to making informed and confident decisions about your financial future. Key Topics: • Cash and Cash Flow (05:15) • Looking at the Trends (08:13) • How Much Cash Should I Have and Where to Put It? (10:58) • How to Invest More Money (20:24) • Don't Get Intimidated by the 1099 Form (24:15) • Savings vs. Investment (25:51) • Wrap-Up (28:23) Resources: • Take Back Retirement Episode 29: How Much Cash Should I Have and Where Should I Be Putting It? • Take Back Retirement Episode 12: What Women Need to Know About IRA's, with Sarah Brenner • Take Back Retirement Episode 45: What Women Need to Know about Target Date Funds • Put One Foot in Front of the Other - Santa Clause is Coming to Town (skit) • HEE HAW Gloom Despair And Agony On Me | Classic Her Haw TV (skit) If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at www.takebackretirement.com. Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn. Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.
How did the promise of Black wealth become a tool for white elites? In this Black History Month special of Rattling the Bars, Mansa Musa speaks with UVA Professor and author Justene Hill Edwards about the tragic history of the Freedman's Bank. They dive into the economic intelligence of enslaved people and how they navigated the inherent violence of the slave economy. Professor Hill Edwards also breaks down the betrayal detailed in her book, Savings and Trust, revealing how a bank built for the formerly enslaved was redirected to fund D.C. infrastructure and white elite interests.Get the book at this link on bookshop.com.Host: Mansa Musa Videographer / Editor / Producer: Cameron GranadinoFollow Rattling the Bars on Spotify or Apple Podcasts Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!
Today we're talking about the importance of saving "differently" after 60. The idea is that at this stage of life you shouldn't be saving to amass wealth; or to leave your savings to family members -- rather, save differently to ensure you're enjoying your senior years while you still can. Go do the things you've worked so hard for, while you can. Interesting panel discussion today - please join us!YouTube: youtube.com/15goodminutesBlueSky: @15goodminutes.bsky.socialemail: rusty@15goodminutes.comTwitter: twitter.com/15goodminutes
* Sponsor read Bart Merrick Team and market confusion * Longtime advertiser becomes platinum client * Advice on buying and selling during rate changes * Friday Free Show opening * BDM Appreciation Week announced * $5 shirt presale and signup info * April 11 members party details * Dad hat merch sale * Construction noise outside studio * Seth absent due to renovation stress * Discussion of stress tolerance and burnout * Stress without recovery worsens coping * Beard turning gray conversation * Biggest regret was starting renovation * Previous mansion sale repair disputes * Video tour of unfinished house * Smart fridge ovens and propane range * Expensive decorative upgrades * Range caused house fire incident * Gaudy luxury house jokes * Wood ceiling beams and playroom prep * Project far behind schedule * Screaming in car lost voice * Wrong appliance finish frustration * Bad contractor work and service issues * Smart oven wifi and Sabbath mode * Limestone tile sealed incorrectly * Entire floor covered in hardened spots * Contractors refused repair job * Chemical strip then mechanical polish * Repair cost about five thousand * Regret selling old house * Marriage strain and cramped rental life * Wife now works at Disney hotel * Increased workload at dojo * Castleberry neighborhood comparison * Broken ride on car giveaway * Boat dock lift completed * Boat stuck in driveway tire issues * Childcare juggling during move * Sleep Number bed delivery trouble * Plumbing and wiring disputes * Move in maybe one to two weeks * Six figures over budget * Savings emotionally drained * Pool dig discovered large root * Extra charges expected * Spiral staircase delivery problems * Karate of Orlando business plug * Dojo pricing confusion email * Premium materials admiration * Tease armed speedboat near Cuba * Cuban Coast Guard shootout story * No child on the boat * Armed men attacked patrol boat * Cuba labeled infiltration * Attackers killed after gunfire exchange * Amateur invasion disbelief * Miami exile groups discussed * Childhood neighbors ran drills * Teen transporting guns to Everglades * Shooting watermelons no ear protection * Guns and Melons joke * Parent loss reflection * Growing up minority in Miami * Kids had access to guns and alcohol * Debate nature vs parenting influence * Listener sent Bentons country ham * Country ham traditions and funerals * Quick fry biscuits serving method * Anniversary restaurant indecision * Tease feeding alcohol to hawk * Man gave BuzzBall to hawk arrested * Alcohol toxic to birds * Old beer drinking camel story * Animals seeking intoxicants discussion * Mid level cruelty debate * Marijuana smoke harms birds * Dead pelican car prank * Amoeba infection fears * Pee hole fish myth debunked * Amazon travel fears comparison * Upcoming show plugs and events ### Social Media [https://tomanddan.com](https://tomanddan.com) [https://twitter.com/tomanddanlive](https://twitter.com/tomanddanlive) [https://facebook.com/amediocretime](https://facebook.com/amediocretime) [https://instagram.com/tomanddanlive](https://instagram.com/tomanddanlive) Tom & Dan on Real Radio 104.1 Apple Podcasts: [https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990](https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990) Google Podcasts: [https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s) TuneIn: [https://tunein.com/podcasts/Comedy/A-Corporate-Time-p1038501/](https://tunein.com/podcasts/Comedy/A-Corporate-Time-p1038501/) Exclusive Content [https://tomanddan.com/registration](https://tomanddan.com/registration)
Joel and Troy discuss how to view money in terms of things like retirement, savings, etc. We compare modern ideas of "legacy building" and "generational growth," with Scripture and church history. It is quite the debate! Support this podcast at — https://redcircle.com/revived-thoughts6762/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
(February 26, 2026) Host of ‘How to Money’ Joel Larsgaard joins the show to discuss medical emergencies leading to bankruptcy, Trump admin. matching retirement funds for people with no 401k, and younger people avoiding homeownership. Supreme Court keeps lid on lawsuit against USPS for delivery issues. Crazy names of animal groups.See omnystudio.com/listener for privacy information.
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THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Hey budget besties — today we're pulling back the curtain on real-life lessons from our private coaching sessions. Because if our clients are dealing with it… chances are you are too. We're talking layoffs and job loss prep, why “0% interest” debt can still be a budget emergency, how to build a storm-mode mock budget, and the surprisingly confusing question: is pet food a savings bucket or a spending bucket? (Answer: it depends… but we'll make it make sense.)We also get into a big one for parents: stop robbing your own spending money to cover everyone else's categories, and let's teach kids how to manage a set amount instead of learning “just go over and Mom will fix it.” Plus, we're giving you permission to simplify your budget: categories > tracking every little transaction.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.
How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts. Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there's a major catch. ETFs vs Mutual Funds: Segment 1 Ask Clark: Segment 2 Pet Wellness Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETFs vs Mutual Funds: What's the Difference and When Does It Matter? Where Should I Set Up My Health Savings Account (HSA)? Life Insurance Archives - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Is Pet Insurance Worth It? - Clark Howard 4 Fastest Ways To Improve Your Credit - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips Southwest changes are infuriating fansClark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
The Origins of Slavery in America, from its early colonial history to its expansion after the Revolutionary war, is the darkest chapter of American history. In this episode, we'll explore how European colonists first brought enslaved Africans to the Americas, how legal frameworks were devised to uphold the practice and what they were forced to endure on the plantations.Today we welcome Justene Hill Edwards, Historian and Professor at University of Virginia, as our guest on today's episode. Justene is the author of Savings and Trust: the Rise & Betrayal of the Freedman's Bank, which was the Winner of the 2025 Frederick Douglass Book Prize.Edited by Tim Arstall. Produced by Tomos Delargy. Senior Producer was Freddy Chick.Sign up to History Hit for hundreds of hours of original documentaries, with a new release every week and ad-free podcasts. Sign up at https://www.historyhit.com/subscribe. All music from Epidemic Sounds.American History Hit is a History Hit podcast. Hosted on Acast. See acast.com/privacy for more information.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3302: Derick Van Ness breaks down the truth behind why so many people fail to save money, even those earning six figures, and reveals a simple, actionable strategy to break the cycle. By shifting focus from spending to consistently saving first, you'll build lasting financial habits and a real safety net for the future. Read along with the original article(s) here: https://biglifefinancial.com/2017-12-11-a-savings-strategy-that-works/ Quotes to ponder: "Simply put, saving needs to be a first priority and a conscious effort or it rarely works." "The difference between financial success and a double digit bank account is NOT about how much money you make." "Bottom line: you have to SAVE FIRST and learn to live on the rest." Learn more about your ad choices. Visit megaphone.fm/adchoices
It's This Week in Bourbon for February 20th 2026. E. & J. Gallo announced its plans to acquire Four Roses, Uncle Nearest will remain under court-ordered receivership, and Michter's Releases their Celebration at $6,000 a bottle.Show Notes: E. & J. Gallo expands its spirits portfolio with a $775 million acquisition of Four Roses Distillery from Kirin A U.S. District Judge ruled that Uncle Nearest will remain under court-ordered receivership through March amid insolvency allegations Frey Ranch Distillery debuts "Harvest the Savings," a new farm-to-glass subscription program offering up to 15% off and free shipping A Texas judge blocked the immediate liquidation of Stoli Group USA and Kentucky Owl, opting for a structured Chapter 11 wind-down A new Kentucky bill proposes a 4% regulatory fee on alcohol sales, shifting the tax burden from producers to consumers Unicorn Auctions' 2025 report reveals a democratized secondary market where 80% of bottles now sell for under $250 Green River launches a 109.3-proof wheated bourbon at a $50 price point across 25 markets this February Black Diamond Distillery introduces a $25 wheated bourbon "Mineshaft" expression designed specifically for cocktails Maker's Mark partners with artist Ashley Longshore on a limited-edition label benefiting women's leadership through Vital Voices Yellowstone Bourbon celebrates America's semiquincentennial with 250 limited-edition Bottled-in-Bond single barrels Michter's prepares to ship the rare 2025 Edition of its Celebration Sour Mash, limited to just 315 bottles globally Buffalo Trace and Chris Stapleton evolve their partnership with the nationwide release of Traveller Whiskey Full Proof at 121 proof Rebel Bourbon joins forces with NASCAR champion Kyle Busch for a limited 108-proof single barrel release Penelope Bourbon upgrades its core Barrel Strength expression to a 7-year age statement for a limited 13,000-case release Southern Distilling Company releases a Statesville-exclusive Southern Star Paragon Bourbon finished in Zinfandel wine casks Learn more about your ad choices. Visit megaphone.fm/adchoices
Neil Patel's origin story involves borrowing from his parents' life savings to keep his startup alive. Not only did his plan work, but he built a million-dollar company, advised companies including Amazon, Google, and Microsoft— and, he paid his parents back. Today, Neil breaks down the money lessons he learned once he made it big. He shares why he still drives a minivan despite being able to afford something bougie, the unusual way he teaches his kids about taxes, and the important distinction he makes between success and wealth. Then, Nicole and Neil get tactical and dig into the future of getting discovered online. Neil explains why traditional search is dead and how to adapt, what founders can do if they have a $0 marketing budget, and the SEO do's and don'ts of naming your business. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Check out Answer the Public, the free tool Neil mentioned in this conversation Find more of Neil's work and resources here Here's what Nicole covers with Neil: 00:00 Are You Ready for Some Money Rehab? 01:09 Launching Crazy Egg and Borrowing From Parents 06:42 Next Ventures and Kissmetrics 09:43 Do's and Don'ts of Naming Businesses 15:31 NP Digital's Massive Success vs Personal Success 21:19 Neil's Perspective on Wealth, and the “Big R” Framework 29:32 Hot Takes on Money 30:07 Teaching Taxes Through Ice Cream 32:15 Living with Less and Financial Goals 38:45 Trust Funds and Regrets 42:09 Actionable Digital Marketing Advice for Business Owners 42:26 Choose Your Fighter: Email List, Website or Instagram? 44:59 Why Traditional Search is Dead 46:59 SEO vs AEO 55:29 Marketing Tips for a $0 Budget 01:00:49 Tip You Can Take Straight to the Bank