Podcasts about should you buy

Tom Hawley joins James Smith to expose the deliberate machinery behind a cost-of-living crisis most people don't even know is happening to them. The co-founder of Azura Financial, one of Australia's top 10 brokerages and a three-time Residential Broker of the Year, Hawley argues that inflation isn't a natural force but a policy choice, a quiet tax on your purchasing power that hits lower and middle-income earners hardest precisely because they can't see it.

Fifty years ago, Clark founded an alternative school called Career Action for adults who were struggling to find their path after high school. The program was intense, with long days, strict standards, and a focus on preparing students for the workplace. It was successful for decades—but here's what's remarkable: virtually every job skill that was taught eventually became obsolete. The lesson is more important than ever today: you can't stay static. Also, Clark explains why extended warranties are usually a bad deal for consumers. Whether it's electronics, smartphones, appliances, or cars, the math overwhelmingly favors the companies selling the coverage. Clark shares what you need to know about smartphone insurance, home warranties, and extended auto warranties—and the one exception if you're determined to buy coverage for your vehicle. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 24, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Adaptation Education: Segment 1 Ask Clark: Segment 2 Warranty Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Starting a School Taught Clark Howard About Success Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty on Your Car? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone What Does a Home Warranty Cover and Is It Worth The Money? That Extended Warranty Is Almost Never Worth the Money. This Is Why You Fall for It Anyway. Report: The Most Reliable Cars for Your Money - Clark Howard 12 Long-Lasting Cars Proven to Get to 200,000 Miles and Beyond Smart Traveler Enrollment Program Clark.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. Visit megaphone.fm/adchoices

Could choosing the wrong franchise cost you years of time, money, and opportunity before you even realize you've made the mistake? If you're considering franchise ownership, it's easy to get distracted by big brand names, flashy marketing, or promises of financial freedom. But as you'll hear in this first episode of a three-part franchising series, the wrong franchise isn't always a bad franchise—it's often a franchise that doesn't fit your goals, skills, lifestyle, or vision for the future. Understanding how to evaluate opportunities before you invest can help you avoid expensive mistakes and increase your chances of building a business worth owning. What You'll Gain From This Episode: Learn the most common reasons entrepreneurs end up choosing the wrong franchise and how to avoid those costly pitfalls. Discover the key questions to ask when evaluating franchise opportunities, franchise culture, support systems, and long-term growth potential. Understand how your personality, experience, risk tolerance, and goals should influence your franchise selection process. Before you invest a dollar into franchise ownership, listen to this episode to learn how to avoid the wrong franchise and identify opportunities that align with your vision for growth and long-term success. Check out: 3:35 – Should You Buy an Established Franchise or Take a Risk on a New Concept? Matt Stevens explains why some investors are attracted to emerging franchise brands and the risks and rewards of getting in early. 16:50 – The Hidden Costs and Challenges of Becoming a Franchisor Learn why franchising isn't a shortcut to growth and what business owners often underestimate when expanding through a franchise model. 29:15 – The Biggest Reason People Choose the Wrong Franchise Matt shares why franchise success starts with understanding your own goals, lifestyle, and motivations—not just finding a popular brand. About Matt Stevens The Franchise Guy, Matt Stevens, is among the more experienced franchise consultants in the country, with more than thirty years in the industry. He has owned four businesses, been Rookie Franchisee of the Year, turned around struggling divisions, and served as a quality board member and partner inside a two-billion-dollar franchise group. Matt is a FranChoice Gold and Century Club member, a Business First Columbus Forty Under 40 honoree, and the author of Franchising 101, an introductory course to franchising. He holds three business degrees from Florida Southern College and Wake Forest University, and is a MENSA member

Richard Gearhart and Elizabeth Gearhart, co-hosts of the Passage to Profit Show interview AI and 3D tech leader James Thornton from Tafi and Daz 3D, franchise expert Cliff Nonnenmacher from Franocity and cybersecurity expert Eric Kanagy from Simplesense. James Thornton, Co-Founder and CEO of Tafi and Chairman & CEO of DAZ 3D, reveals what it really takes to build billion-dollar companies, why most entrepreneurs misunderstand scaling, and why data—not AI models—is becoming the true power behind the future of artificial intelligence. In this inspiring and deeply personal episode, James shares lessons from rebuilding struggling companies, surviving a life-changing stroke in his twenties, creating industry-leading 3D AI technology, and helping shape the next generation of AI-driven business tools. From prompt engineering and AI workflows to resilience, leadership, innovation, and the future of digital humans, this episode delivers powerful insights every entrepreneur, creator, and business leader needs to hear. Read more at: https://www.daz3d.com/ Franchise expert Cliff Nonnenmacher, founder of Franocity reveals what most people completely misunderstand about franchising, wealth creation, and escaping corporate America. In this eye-opening episode, Cliff explains how the right franchise can dramatically reduce business failure risk, why “freedom within the framework” creates successful entrepreneurs, and the critical financial and personality traits needed before investing. He also breaks down the industries he believes are most resistant to AI disruption — including home services, trades, senior care, biohacking, and youth enrichment — while sharing the biggest mistakes aspiring franchise owners make when chasing passive income and financial freedom. Read more at: https://franocity.com/ Cybersecurity expert and SimpleSense founder Eric Kanagy reveals how AI is rapidly changing the future of cyber warfare, infrastructure security, and online safety. From hacked water utilities and nation-state attacks to AI-generated scams and fake voices, this eye-opening conversation explores the growing threats businesses and everyday people face as artificial intelligence becomes more powerful. Eric explains why critical infrastructure is vulnerable, how AI is helping both attackers and defenders, and what entrepreneurs can do now to stay protected in an increasingly dangerous digital world. Read more at: https://simplesense.io/ Whether you're a seasoned entrepreneur, startup founder, inventor, or small business owner, the Passage to Profit Show is a leading podcast for insights on entrepreneurship, innovation, intellectual property and business strategy. Hosted by Richard Gearhart and Elizabeth Gearhart, the show features industry leaders, investors, and founders who share real-world lessons on scaling companies, protecting ideas, building generational wealth, and navigating today's evolving business landscape. Visit https://passagetoprofitshow.com/ for the latest episodes, expert interviews, and resources designed to help you grow, protect, and profit from your ideas. Chapters (00:00:00) - Passive Intelligence: The Future of Business(00:00:25) - Passage to Profit(00:02:13) - We Got Our Patent Granted(00:02:51) - If You Filed Your Return Late, You Can Get a Ref(00:03:48) - A Few Words on Ted Turner(00:04:38) - Jimi Hendrix Legacy Lawsuit(00:05:55) - Mother's Day Plans in New York(00:07:41) - What Was the One Decision That Changed the Direction of Your Business?(00:08:41) - How to Build a Wealth of Franchising(00:10:23) - What Changed the Direction of Your Business?(00:12:18) - The One Decision That Changed the Direction of Your Business(00:15:02) - How Hard Do You Have to Work to Create a Billion-D(00:15:59) - Clifford Robbins on Working Nonstop(00:19:58) - How Having a Stroke Changed My Perspective on Life(00:22:43) - The true power of AI is data(00:25:34) - How to Describe Yourself to the AI(00:28:32) - Car Shield(00:29:43) - Better Health Insurance for You(00:30:43) - How Daz For 3-D Artists Is Taking on AI(00:40:24) - Best Uses of AI in Business Owners Roundtable(00:42:38) - ChatGPT: The Future of Image Generation(00:44:19) - Business Owners Roundtable: Real AI Use Cases(00:46:02) - Debtor Assistance Hotline(00:48:27) - The Secret to Intellectual Property(00:52:00) - Buy a Franchise(00:54:59) - How to Get Out of Corporate America(00:56:36) - Do You Need a Franchise to Create Wealth?(01:00:59) - Should You Buy a Franchise or Start a Business?(01:03:19) - What to Know Before Becoming a Franchisee(01:04:10) - Immortal Franchising: The furthest distance from AI(01:06:20) - Is Cybersecurity More Secure Than Ever?(01:12:25) - James Poneman: Could AI Prevent Cybersecurity Attacks?(01:19:02) - Car Shield(01:20:06) - Memory of the Phone(01:21:22) - Secret Weapons of the Entrepreneurial Mind(01:24:05) - How to Be More Helpful to Others(01:25:12) - Richard Gearhart and Elizabeth Gearhart: Rest Is Not Optional(01:26:50) - Passive to Profit

On this episode of Talking Cars, we discuss our recent evaluation of popular rugged SUV trims, sometimes called "soft roader" SUVs—including the Subaru Forester Wilderness, Honda Passport TrailSport, Toyota RAV4 Woodland, Ford Explorer Tremor, and more—to see whether they add real capability or mostly rugged styling. Plus, we answer a viewer's question about whether roof crossbars hurt fuel economy on SUVs like the Toyota RAV4 Prime.   Join CR at https://CR.org/joinviaYT to access our comprehensive ratings for items you use every day. CR is a mission-driven, independent, nonprofit organization.     SHOW NOTES ----------------------------------- 00:00 Intro 00:16 Soft Roaders Explained 00:47 What Makes an SUV a "Soft Roader" 01:44 Why CR Doesn't Do Formal Off-Road Ratings 03:56 Building and Driving the Off-Road Evaluation Course 04:56 Vehicles Evaluated 06:13 On-Road Compromises 10:26 Off-Road Impressions 12:44 The Big Role Tires Play 16:28 Should You Buy an Off-Road Trim? 20:06 Can You Add All-Terrain Tires Yourself? 21:14 Should CR Fully Test These Off-Road Trims? 21:58 Audience Question: Do Roof Crossbars Hurt Fuel Economy?     ----------------------------------  10 Best SUVs You Can Buy Right Now https://www.consumerreports.org/cars/suvs/10-best-suvs-you-can-buy-right-now-a8518508556/?EXTKEY=YSOCIAL_YT   Who Makes the Most Reliable New Cars? https://www.consumerreports.org/cars/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars-a7824554938/?EXTKEY=YSOCIAL_YT   Best SUV and Truck Tires of 2026 https://www.consumerreports.org/cars/tires/best-suv-and-truck-tires-a3436694441/?EXTKEY=YSOCIAL_YT   Choose the Right Tires for Your Vehicle https://www.consumerreports.org/cars/tires/buying-guide/?EXTKEY=YSOCIAL_YT   10 Tips to Get the Most Out of Your Gas Tank https://www.consumerreports.org/cars/fuel-economy-efficiency/10-tips-to-get-the-most-out-of-a-tank-of-gas-a2642110189/?EXTKEY=YSOCIAL_YT

On this episode of Talking Cars, we discuss our recent evaluation of popular rugged SUV trims, sometimes called "soft roader" SUVs—including the Subaru Forester Wilderness, Honda Passport TrailSport, Toyota RAV4 Woodland, Ford Explorer Tremor, and more—to see whether they add real capability or mostly rugged styling. Plus, we answer a viewer's question about whether roof crossbars hurt fuel economy on SUVs like the Toyota RAV4 Prime.   Join CR at https://CR.org/joinviaYT to access our comprehensive ratings for items you use every day. CR is a mission-driven, independent, nonprofit organization.     SHOW NOTES ----------------------------------- 00:00 Intro 00:16 Soft Roaders Explained 00:47 What Makes an SUV a "Soft Roader" 01:44 Why CR Doesn't Do Formal Off-Road Ratings 03:56 Building and Driving the Off-Road Evaluation Course 04:56 Vehicles Evaluated 06:13 On-Road Compromises 10:26 Off-Road Impressions 12:44 The Big Role Tires Play 16:28 Should You Buy an Off-Road Trim? 20:06 Can You Add All-Terrain Tires Yourself? 21:14 Should CR Fully Test These Off-Road Trims? 21:58 Audience Question: Do Roof Crossbars Hurt Fuel Economy?     ----------------------------------  10 Best SUVs You Can Buy Right Now https://www.consumerreports.org/cars/suvs/10-best-suvs-you-can-buy-right-now-a8518508556/?EXTKEY=YSOCIAL_YT   Who Makes the Most Reliable New Cars? https://www.consumerreports.org/cars/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars-a7824554938/?EXTKEY=YSOCIAL_YT   Best SUV and Truck Tires of 2026 https://www.consumerreports.org/cars/tires/best-suv-and-truck-tires-a3436694441/?EXTKEY=YSOCIAL_YT   Choose the Right Tires for Your Vehicle https://www.consumerreports.org/cars/tires/buying-guide/?EXTKEY=YSOCIAL_YT   10 Tips to Get the Most Out of Your Gas Tank https://www.consumerreports.org/cars/fuel-economy-efficiency/10-tips-to-get-the-most-out-of-a-tank-of-gas-a2642110189/?EXTKEY=YSOCIAL_YT

On this episode of Talking Cars, we discuss our recent evaluation of popular rugged SUV trims, sometimes called "soft roader" SUVs—including the Subaru Forester Wilderness, Honda Passport TrailSport, Toyota RAV4 Woodland, Ford Explorer Tremor, and more—to see whether they add real capability or mostly rugged styling. Plus, we answer a viewer's question about whether roof crossbars hurt fuel economy on SUVs like the Toyota RAV4 Prime.   Join CR at https://CR.org/joinviaYT to access our comprehensive ratings for items you use every day. CR is a mission-driven, independent, nonprofit organization.     SHOW NOTES ----------------------------------- 00:00 Intro 00:16 Soft Roaders Explained 00:47 What Makes an SUV a "Soft Roader" 01:44 Why CR Doesn't Do Formal Off-Road Ratings 03:56 Building and Driving the Off-Road Evaluation Course 04:56 Vehicles Evaluated 06:13 On-Road Compromises 10:26 Off-Road Impressions 12:44 The Big Role Tires Play 16:28 Should You Buy an Off-Road Trim? 20:06 Can You Add All-Terrain Tires Yourself? 21:14 Should CR Fully Test These Off-Road Trims? 21:58 Audience Question: Do Roof Crossbars Hurt Fuel Economy?     ----------------------------------  10 Best SUVs You Can Buy Right Now https://www.consumerreports.org/cars/suvs/10-best-suvs-you-can-buy-right-now-a8518508556/?EXTKEY=YSOCIAL_YT   Who Makes the Most Reliable New Cars? https://www.consumerreports.org/cars/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars-a7824554938/?EXTKEY=YSOCIAL_YT   Best SUV and Truck Tires of 2026 https://www.consumerreports.org/cars/tires/best-suv-and-truck-tires-a3436694441/?EXTKEY=YSOCIAL_YT   Choose the Right Tires for Your Vehicle https://www.consumerreports.org/cars/tires/buying-guide/?EXTKEY=YSOCIAL_YT   10 Tips to Get the Most Out of Your Gas Tank https://www.consumerreports.org/cars/fuel-economy-efficiency/10-tips-to-get-the-most-out-of-a-tank-of-gas-a2642110189/?EXTKEY=YSOCIAL_YT

A note before we begin: RILAs are registered securities, and we don't sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed annuities. This conversation is educational, not a recommendation for or against any specific product. RILAs — registered index-linked annuities — are the fastest-growing annuity category by new premium, with sales reaching $79.5 billion in 2025. That's more than ten times what the category produced a decade ago, and 2024 was the first year RILAs outsold traditional variable annuities. Rapid sales growth doesn't automatically mean a product belongs in your retirement plan. If you've ever seen a RILA illustration and felt like something didn't quite add up, this conversation walks through what these products actually do, where the tradeoffs hide, and why the income story that drives most annuity decisions rarely makes a RILA the right answer. You'll learn how the buffer concept works, why higher caps aren't free, and how absorbing the first 10 to 15 percent of a market loss changes the math on recovery. You'll also see why RILA sales appear to be tracking almost dollar-for-dollar with the decline in variable annuity sales, and what that pattern suggests about who these products are really being built for. The conversation covers the few situations where a RILA genuinely makes sense — a 1035 exchange out of a high-fee legacy variable annuity, non-qualified accumulation after maxing qualified accounts, a long runway of fifteen-plus years to retirement, or an equity-anchored client who refuses to derisk. It also covers where they consistently fall short, particularly on the income side, where a purpose-built fixed indexed annuity with an income rider almost always wins on the math that matters. You'll hear why a 10 percent payout rate on a RILA isn't the same as a 6 percent payout rate on an FIA income rider, and why adding an income rider to a RILA tends to neutralize the very feature that justified accepting buffer risk in the first place. ___________________________________ If you're working through how guaranteed income, principal-protected growth, or a fixed annuity might fit into your retirement plan, schedule a call or send us a written message and we'll walk through SPIAs, MYGAs, and fixed indexed annuities to help you figure out what's actually appropriate for what you're trying to accomplish. To read the article that accompanies this podcast, please click here: Should You Buy a RILA?

Should You Buy a Disney World Annual Pass in 2026? Honest Pros, Cons & New Summer Perks for PassholdersIn this episode of Living by Disney, I'm breaking down the big question so many of you are asking right now: Is a 2026 Walt Disney World Annual Pass actually worth it for your family — or should you stick with single-day tickets?Whether you're a once-a-year visitor wondering if the upfront cost makes sense, or a current passholder excited for the latest perks, I give you the unbiased scoop. We cover the current 2026 tier prices (Incredi-Pass, Sorcerer, Pirate, and Pixie Dust), blockout dates, reservation rules, and real break-even math. Plus, I factor in today's parking reality (and how free parking with an AP can help the pass pay for itself fast).The highlight? All the fresh V.I.PASSHOLDER Summer Days details running May 1 through July 31, 2026 (bigger than last year!): the returning Passholder Lounge at Restaurant Marrakesh in Epcot's Morocco Pavilion, up to 40% off select dining, new collectible magnet, exclusive merch, and more. I share exactly who benefits most and when you might want to skip it entirely.Link to the full list of discounts and perks: https://disneyworld.disney.go.com/passholder-program/passholder-benefits-and-discounts/events-and-entertainment-discounts/

When money is tight, is it ever a good idea to buy a cheap, imported LED wall?In this episode, we sit down with Eduardo Rivera from People's Church to tackle the harsh realities of church tech budgets. We discuss how to start upgrading your gear when your budget is basically zero, and how to coach volunteer teams who yearn for new gear. Topics Covered:Prioritizing budgets: Live Stream vs. In-Person WorshipThe hidden costs of cheap LED wallsDefining production excellence without comparing your church to othersGear and setups currently used at People's ChurchLeading and coaching tech volunteers who suffer from "Gear Acquisition Syndrome"In this episode you'll hear:0:00 Stop Paying to Store Used AVL Gear5:55 Eduardo Rivera from People's Church Joins8:15 Eduardo's Start in Church Tech13:30 Defining Production Excellence at People's Church15:45 The "Church Down the Street" Comparison Trap19:45 Gear Talk: What is People's Church Using?23:00 Budget Strategy: Live Stream vs. The Auditorium25:00 Should You Buy a Cheap LED Wall?34:15 Where to Start When Your AVL Budget is Zero36:45 Coaching Techs Who Always Want New Gear39:49 Church Tech Disaster Story44:44 Tech Takeaway: Always Carry a FlashlightGet expert help and care on your next integration project with our friends at HouseRight here.  Get more money back in your budget and more space in your closet by selling us your used gear here.  Apply to work at ChurchGear here!Resources for your Church Tech MinistrySell Us Gear: Does your church have used gear that you need to convert into new ministry dollars? We can make you an offer here. Buy Our Gear: Do you need some production gear but lack the budget to buy new gear? You can shop our gear store here.  Connect with us: Sales Bulletin: Get better deals than the public and get them earlier too here!Early Service: Get our best gear before it goes live on our site here. Instagram: Hangout with us on the gram here! Reviews: Leaving us a review on the podcast player you're listening to us on really helps the show. If you enjoyed this episode, you can say thank you with a review! 

Today, Jay sits down with his dear friend Nischa Shah, a former investment banker and accountant who walked away from a high-status corporate career to help people rethink their relationship with money, success, and freedom. Nischa reflects on the “dark phase” she experienced while climbing the corporate ladder, realizing that the prestige and polish of banking had created a deep disconnect from her true self. Nischa invites listeners to confront a powerful question many of us avoid: “Would I still be happy if I were living the same life five or ten years from now?” Jay and Nischa shift into practical strategies for navigating money anxiety. Nischa introduces the “ostrich effect,” which is the psychological tendency to avoid looking at our finances out of fear. She shares her simple but powerful “three-bucket” approach to personal finance, where income is intentionally divided between fundamentals, fun, and the “future you.” By reframing the goal from financial success to financial happiness, Nischa offers a clearer, more intentional way to manage money, one that prioritizes peace of mind over status or external validation. In this interview, you'll learn: How to Assess Your Career Alignment How to Calculate a Financial Cushion How to Manage Income Using the Three-Bucket Method How to Audit Spending with Three Key Questions How to Turn Financial Knowledge into Action How to Strategize Paying Off Debt vs. Investing How to Increase Your Value and Earning Potential It is never too late to begin reclaiming your narrative, whether that starts with building a small financial safety net for peace of mind or finally turning knowledge into decisive action. With Love and Gratitude, Jay Shetty JAY’S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe here: https://news.jayshetty.me/subscribe Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast What We Discuss: 00:00 Intro 00:54 Questioning the Traditional Path 03:22 The Courage to Walk Away 06:14 Calculating Your Financial Runway 07:04 Separating Your Self-Worth from Your Title 10:49 What is the Ostrich Effect? 13:45 Fighting Instant Gratification 14:28 Ask Yourself These Three Questions Before Buying Anything 18:30 Micro-Habits That Build Real Wealth 21:29 Spending With Intention 23:33 Why More Money Doesn’t Always Fix Money Problems 28:49 Financial Success vs. Financial Happiness 31:03 Is there Such a Thing as Passive Income? 34:06 Mastering Long-Term Investing 36:42 Should You Buy a Home? 37:42 Breaking the Scarcity Mindset 42:01 Stop Spending to Impress People 44:31 The Problem With Constantly Upgrading 45:55 How Can You Be of Value To Others? 49:07 Focus on Earning More, Not Just Cutting Costs 53:40 Defining Your Personal Freedom 54:52 The Entrepreneurship vs. Employment Trap 56:37 Investing in Your Own Skills 58:47 Short-Term Joy vs. Long-Term Security 01:00:50 We All Make Financial Mistakes! 01:01:31 It’s Never Too Late 01:02:48 This or That: Money Edition 01:06:34 Nischa on Final Five Episode Resources: YouTube | https://www.youtube.com/@nischa Facebook | https://www.facebook.com/profile.php?id=61567018784328 Instagram | https://www.instagram.com/nischa.me/ TikTok | https://www.tiktok.com/discover/nischa-shahSee omnystudio.com/listener for privacy information.

It's an AI-heavy episode with real stakes: Jessica digs into OpenAI's evolving approach to shopping and why “closing the loop” on commerce could be the proving ground for consumer monetization. The group sparrs over charts: OpenAI vs. Anthropic annualized revenue, what “slope” investors actually care about, and whether Anthropic's developer-first strategy (code, tokens, and high ARPU) is the smarter path than consumer mindshare.Sam argues that “intelligence” is heading toward a global, frictionless commodity market (bad for margins, great for usage) and introduces the idea of “dark pools” (proprietary access/data/relationships) as the only durable moat. Dave counters with the more optimistic take: AI is collapsing the line between “consumer” and “developer,” turning everyone into a builder, and launching a new creative medium (with examples spanning from software to film). Brit adds fuel with “nano-targeted” commerce and a tour through A16Z's Top 50 GenAI web products list, highlighting both mainstream shifts and the internet's… more ‘unexpected' categories.Finally: a truly out-of-left-field deal pitch from Jess: should someone buy the Tennis Channel for ~$1B? Plus a rapid-fire pop culture close (Kelce's return, Oscars bets, and what everyone's watching) before Sam heads back to the sauna.Chapters:0:00 — Intro & Sam's Sauna Hat1:33 — First-Ever MOL Podcast Ad3:54 — ChatGPT's Shopping Pivot7:19 — The Chart: OpenAI vs Anthropic Revenue11:52 — The Slope: Linear or Super Linear?16:10 — Commerce Is Bad. Attention Is Good.19:04 — AI Is Turning Everyone Into a Builder20:15 — "$1B Raised, $900M spent on Inference"23:17 — AI Is Worse Than the Cable Business35:58 — Dark Pools: Death of the Open Marketplace40:45 — The P50 Problem: What Happens to Average People?42:38 — "Software Is Totally Commoditized"45:43 — Brit's Bot Corner: Anime Husband Chatbots 50:44 — Should You Buy the Tennis Channel for $1B?54:22 — Pop Culture CornerWe're also on ↓X: https://twitter.com/moreorlesspodInstagram: https://instagram.com/moreorlessSpotify: https://podcasters.spotify.com/pod/show/moreorlesspodOn demand reactions powered by AI: https://molchat.ai/ Connect with us here:1) Sam Lessin: https://x.com/lessin2) Dave Morin: https://x.com/davemorin3) Jessica Lessin: https://x.com/Jessicalessin4) Brit Morin: https://x.com/brit

Raising goats successfully isn't about having more animals or fewer animals — it's about having management that matches your goal. Too many people jump into goats with good intentions, only to feel overwhelmed, frustrated, and eventually sell out because their goats, systems, and goals were never aligned. In this episode, I break down a pattern I see over and over: people either start with too many goats before they've learned how goats behave as a herd, or they start with just a couple of goats that function more like pets and never teach real herd management. Both extremes create problems — just in different ways. We talk honestly about why goats magnify mistakes, how scale multiplies management challenges, and why learning at the right herd size matters. I also share how and why we intentionally scaled our own herd back last year to protect animal health, forage, and infrastructure — not as a failure, but as good management under real-world constraints. We'll dig into the difference between pet goats and commercial goats, including a candid discussion about bottle babies, learned behavior, and why management sometimes has to change to keep animals safe — even when that management isn't ideal. Throughout the episode, everything comes back to one central truth: management depends on your goal. If goats have ever felt harder than you expected, this episode will help you step back, clarify what you're actually trying to build, and make decisions that lead to healthier goats and a more sustainable operation. In This Episode, I Cover: Why people often quit goats within the first year or two How scale magnifies mistakes in fencing, grazing, nutrition, and parasite management Why starting with just two or three goats teaches pet management, not herd management The risks of scaling too fast before understanding goat behavior and systems Our experience selling goats to let infrastructure and management catch up The difference between pet goats and commercial goats — and why neither is “wrong” How bottle baby behavior affects herd flow, boundaries, and daily management Why goat management should work with goat nature, not against it What “enough goats to be a herd, but not a crisis” actually looks like Practical starting numbers for building a commercial meat goat herd based on experience Key Takeaways: Goat management must match your end goal to be sustainable Too few goats can teach the wrong lessons for commercial herd management Too many goats magnify mistakes and accelerate burnout Bottle babies are not bad goats, but they require different management considerations Healthy goat systems guide behavior while protecting animal welfare Clear goals lead to calmer goats and better long-term decisions Related Episodes: 71 | Livestock Management Decisions and Why We Are Selling Part of Our Goat Herd 68 | New to Raising Livestock? Risk Management Strategies When the Learning Curve is Steep 24 | What Is That Smell? The Bucks are In Rut! Should You Buy a Buck to Breed Your Does or Is Leasing a Better Option? 03 | Ready for Goats! 4 Steps to Help You Confidently Shop for and Purchase Your First Goats All the Best, Millie Resources & Links: Leave a review on Apple Podcasts + grab the free Kidding Due Date Chart: https://www.getgoatwise.com/kidding-chart Get Dry Creek meat: https://drycreekheritagemeats.com Join my insider email list: https://www.getgoatwise.com/insider Join the free community: https://www.getgoatwise.com/community Email me: millie@drycreekpastures.com See ranch life on Instagram: https://www.instagram.com/drycreekpastures/ Disclaimer: The information shared in this episode is for educational purposes only and should not be considered veterinary advice. Always consult a licensed veterinarian for animal health guidance.

Should You Buy a Fixer Upper? Pros & Cons ExploredIn this episode, Vito discusses whether purchasing a fixer-upper home is a wise decision in today's real estate market. He weighs the pros and cons, sharing personal experiences and practical advice. Vito covers financial considerations, the potential for sweat equity, and the challenges and rewards of renovating a home. The episode also explores broader market trends, housing affordability, and economic impacts on home-buying decisions. To wrap up, Vito reviews current real estate listings and provides insights on local housing market conditions.Trump fumbles on housing affordability in closely watched Davos speechShould You Buy a Fixer-Upper?PROBATE AND ESTATE SALESOpen Houses this weekend, Silicon Valley CuratedMortgage Rates this week Home Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklistWhat you get for $2MM Santa Clara County AIDA: Attract, Interest, Desire, Action What you get for $1MM in SILICON VALLEY Inventory And Supply ChartsFREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/Homebuyerchecklist 00:00 Introduction: Should You Buy a Fixer-Upper?00:25 Personal Experience with Fixer-Uppers00:57 Considerations for Buying a Fixer-Upper01:50 Unexpected Challenges and Realities02:30 Deciding What You Can Handle03:25 Market Insights and Pricing03:59 Trump and Housing Affordability07:10 Local Real Estate Examples

Wrapping up this mini series, Rob & Rob reveal the final building blocks – from choosing the right location, deciding where to invest and building the right team around you.  It's all about bringing your planning, goals, and strategy together, so you can get going and make 2026 your best year in property yet.   (1:02) Location, location, location…   (8:22) Building your dream team.  Links mentioned:  Property Hub YouTube channel   Rob Dix books   Google street view   How to pick the perfect investment location   Should You Buy a Property in a Limited Company   Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Find out more about Property Hub Invest 

Breeding season success doesn't start when the buck goes in—it starts weeks earlier with intentional management decisions around feed, body condition, mineral, and water. In this episode, I'm walking through how we prepare our goat herd for breeding season on our ranch, and why flushing is less about grain and more about timing and rising energy intake. I explain how our does typically come off pasture somewhat thin due to declining forage quality and demands of lactation, how we use a gradual hay-based recovery phase after weaning, and why we don't rush into flushing too early. You'll hear how we intentionally set the stage so that a modest energy increase 2–3 weeks before breeding actually produces a favorable reproductive response. We also dig into forage-based flushing using high-quality hay, why mineral intake is often the hidden limiting factor in breeding success, and how winter water access quietly controls feed intake, mineral consumption, and overall herd health. If breeding hasn't gone the way you expected in the past, this episode will help you evaluate the foundational pieces before blaming genetics or the buck. In This Episode, I Cover: What flushing really is—and why it's primarily an energy strategy, not a grain strategy Why flushing needs to start 2–3 weeks before breeding, not the day the buck shows up How our does come off pasture thin from limited forage and lactation—and why that matters Our post-weaning feeding strategy to gradually rebuild body condition without overdoing it Why flushing works best when does are moderate condition or slightly thin, not fat How forage-based flushing works with high-quality hay like sainfoin Why intake—not just feed quality—determines whether flushing is effective The critical role of mineral intake in estrus expression, conception, and early pregnancy Why bucks are often overlooked in mineral programs—and how we handle that The trace minerals most closely tied to reproductive success How winter water access limits feed and mineral intake Why water is often the most overlooked nutrient in breeding prep Signs that water intake may be holding your herd back reproductively How consistency—not perfection—sets the stage for a successful breeding season Key Takeaways: Breeding success starts weeks before breeding with intentional preparation Flushing works because of rising energy intake, not because of grain Gradual post-lactation recovery sets the stage for an effective flushing response High-quality forage can support flushing when intake truly increases Mineral intake—not just availability—can make or break reproductive success Bucks need mineral too, even when feeders don't cooperate Without adequate winter water, goats won't eat enough feed or mineral Water is often the limiting nutrient in cold-weather breeding preparation Consistency and timing matter more than aggressive feeding Related Episodes: 14 | When Should My Goats Kid? Timing Your Production Cycle to Optimize Goat Fertility and Forage Nutrition 17 | Do My Goats Need Mineral? How to Meet Their Micronutrient Needs and Keep the Herd Healthy 09 | The Most Important Nutrient for All Livestock is WATER, Time-Saving Tips for Meeting Animal Requirements, and How We Do It Off-Grid 24 | What Is That Smell? The Bucks are In Rut! Should You Buy a Buck to Breed Your Does or Is Leasing a Better Option? 26 | Is My Goat Old Enough to Breed? How To Decide When Your Does Are Ready to Have Their First Kids All the Best, Millie Resources & Links: Leave a review on Apple Podcasts+ grab the free Kidding Due Date Chart: https://www.getgoatwise.com/kidding-chart Get Dry Creek meat: https://drycreekheritagemeats.com Join my insider email list: https://www.getgoatwise.com/insider Join the FB community: https://www.getgoatwise.com/community Email me:millie@drycreekpastures.com See ranch life on Instagram: https://www.instagram.com/drycreekpastures/ Disclaimer: The information shared in this episode is for educational purposes only and should not be considered veterinary advice. Always consult a licensed veterinarian for animal health guidance.

The market is largely being driven by a handful of Artificial Intelligence-focused companies. Is it time to diversify?   Should You Buy at All-Time Highs? Global Diversification Is Still Working University of Missouri Risk Tolerance Assessment Financial Visualization of Markets (finviz.com) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Hi friends!  Today we're talking about selecting replacement bucks, the criteria we use to qualify bucks as breeding stock, and we'll walk through the sorting process and how we handled it this year.  I'll also be sharing some interesting things we observed while sorting and how it's going to affect future decisions and data collection.  Let's get to it!   All the Best! Millie     Mentions:   46 | Early Banding vs Late Banding in Buck Kids: Will Your Goats Be Healthy if You Band Them Early?     Related Episodes:   24 | What Is That Smell? The Bucks are In Rut! Should You Buy a Buck to Breed Your Does or Is Leasing a Better Option?   38 | Buck Management That Will Keep You, Your Goats, and Your Neighbors Happy   62 | The Buck Effect: What Is It, What Causes It, and How It Affects Goat Herd Management     Get your farm fresh meat here: https://drycreekheritagemeats.com     Join our email list and be first to get updates and special offers:  https://www.getgoatwise.com/insider   Join the FB Community: https://www.getgoatwise.com/community     Connect with me:   Email: millie@drycreekpastures.com   See what's happening on the ranch: https://www.instagram.com/drycreekpastures/  

In this episode of The Birdshot Podcast, host Nick Larson welcomes Kirby Hoyt and Travis Shivel from Vintage Doubles to explore the world of vintage shotguns, bird hunting, and the craftsmanship behind classic double-barrel guns. Kirby and Travis discuss their passion for restoring and selling English shotguns, particularly side-by-sides, and discuss the nuances of gun fit, barrel thickness, and gun provenance. They also share insights into the business of vintage gun restoration and how the company came to specialize in the fine art of vintage double guns. Whether you're an avid collector, a bird hunter, or just a lover of fine craftsmanship, this episode will give you a greater appreciation for these beautiful works of art. Kirby Hoyt is the owner and founder of Vintage Doubles, a company specializing in the sale and restoration of fine vintage English double-barrel shotguns. Kirby's expertise spans over decades, working with a variety of gun makers, and he has a deep passion for sourcing, restoring, and finding new homes for these historic firearms.Travis Shivel, a partner at Vintage Doubles, supports the business by handling the tech side of things, including photography, website management, and more. Travis's background in hunting and his connection to Kirby through their shared love of bird dogs make him a perfect fit for the team. Expect to Learn The story behind Vintage Doubles, from Kirby's first introduction to bird hunting to building a successful business around vintage shotguns. The difference between side-by-side and box lock shotguns, and which one might be a better fit for various types of hunters. How to evaluate vintage guns for purchase, including understanding gun fit, barrel thickness, and stock dimensions. The history behind sleeved barrels, and why some vintage guns have them. The importance of proofing and barrel thickness in determining whether a vintage gun is safe to shoot and its overall value. The unique challenges and rewards of buying and selling vintage firearms in today's market.  Episode Breakdown with Timestamps [00:00:00] - Introduction [00:02:04] - Kirby's Journey into Bird Hunting and Vintage Guns [00:05:33] - Introduction to Travis [00:21:03] - Loads of Side-by-Side and no Over and Under [00:27:02] - Field Ready Usable Guns at Vintage Doubles [00:48:51] - Side Lock VS Box Lock [00:58:38] - Which is more expensive?.[01:00:21] - Sleeved Barrels: What Are They and Should You Buy a Gun with Them? [01:10:45] - Which Gun are you grabbing when hunting? [01:18:38] - Closing thoughts and Vintage Doubles Follow the Guests Website: https://www.vintagedoubles.com/  https://www.vintagedoubles.com/subscribe/  https://www.rstshells.com/ Follow Host Nick: Instagram: @birdshot.podcast Website: www.birdshotpodcast.com Listening Links: Spotify: https://open.spotify.com/show/17EVUDJPwR2iJggzhLYil7 Apple Podcasts: https://podcasts.apple.com/us/podcast/birdshot-podcast/id1288308609 YouTube: http://www.youtube.com/@birdshot.podcast SUPPORT | http://www.patreon.com/birdshotUse Promo Code | BSP20 to save 20% on https://www.onxmaps.com/hunt/app Use Promo Code | BS10 to save 10% on https://trulockchokes.com/ The Birdshot Podcast is Presented By: https://www.onxmaps.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

SummaryIn this episode of The Chasing Health Podcast, Chase and Chris bring back a favorite format—Overrated or Underrated! They dive into 10+ hot topics in health and fitness and share their honest thoughts. From trendy green powders and vibration plates to microdosing weight loss drugs and cheat meals, they break down what's helpful and what's just hype. You'll hear real talk about intermittent fasting, cardio, pre-workout, and why getting stronger should be the new goal. This episode will help you stop wasting time and money—and focus on what really works.Chapters(00:00) Welcome Back & Episode Overview(01:24) Intermittent Fasting: Overrated or Underrated?(05:56) Cardio in Today's Fitness Space(09:00) Consistency: The Real Key to Success(09:58) Green Powders & the Supplement Industry(14:32) Pre-Workout Use and Dependency(17:19) Is 8 Hours of Sleep a Must?(18:46) Should You Buy a Weighted Vest?(22:30) The Truth About Cheat Meals(23:58) Microdosing GLP-1s: Dangerous or Helpful?(28:40) Should You Eat Back Exercise Calories?(30:43) Water & Protein: Are They That Important?(33:20) Strong is the New Skinny(36:30) Do Vibration Plates Actually Work?(39:05) Outro & Request for ReviewsSUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also in this episode - Some banks & brokerages are playing games with your money. Clark discusses how to make sure you're getting the best rate on savings.  Clark Stinks: Segments 1 & 2 Attention - Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Here's How Long Your Home Appliances Should Last 6 Things To Know About Series I Savings Bonds New Treasury I Bonds Yield Just Hit 4%. Are They Worth Owning? What Is Umbrella Insurance and Do You Need It? HSA - Clark.com Capital One Agrees To Major Settlement After Accusation of ‘Cheating' Customers Best High-Yield Online Savings Accounts  High-Yield Savings Account (HYSA) Calculator Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Submit a complaint | Consumer Financial Protection Bureau Wills & Funerals Archives - Clark Howard Clark.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

In today's episode - you may have heard ads for services that allegedly lock your home's title. Are they worth it? Clark talks about how best to guard your greatest asset - your home.  Also, as the economy goes into lower gear with layoffs more frequent, Clark has important new info for today's job seekers.  Home Title Protection: Segment 1 Ask Clark: Segment 2 AI & Your Resume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CBS News: FBI Boston warns property owners, real estate agents about "title pirates" after I-Team reports How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion 4 Signs You're a Victim of Deed Theft (and How To Avoid It) 4 Insurance Policies You Actually Need (And 4 You Don't) Should You Buy an Extended Warranty on Your Car? Best Resume Template: 9 Ways To Update Your Resume CRASH Network - Insurer Report Card How to Shop for Lower Car Insurance Fidelity - Spending & Saving Money | Take Control of Your Money Best Online Banks: Free Checking and High-Interest Savings Accounts Clark.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

Is the economy in trouble? Headlines are swirling about inflation, new tariffs, market dips, and global trade tensions — and if you're feeling overwhelmed, you're not alone. In this episode of In Her Wallet, I'm joined by Seth Allen, Senior Portfolio Manager at Cadence Financial Group with Raymond James, who brings over 25 years of experience breaking down the markets and helping investors stay calm during times of uncertainty.We cover:What tariffs actually are (and why governments use them)How trade tensions affect prices at the grocery store, in fashion, and beyondWhat Canadian consumers and investors need to knowHow to stay informed without spiraling from scary headlinesThe #1 money habit to build financial resilience in volatile timesWhether you're a beginner or a seasoned investor trying to make sense of it all, Seth shares practical advice for staying grounded, spotting meaningful economic trends, and making smart money moves in any environment.

Description: Are your investments ready for a world where U.S. bonds are no longer safe? In this urgent Wealthion AMA, WindRock Wealth founder Chris Casey joins the channel's producer, Mario Rodriguez, to answer your top questions and explain why the traditional “risk-free” U.S. Treasuries investing playbook is breaking down. Chris warns of a looming U.S. debt crisis, a possible bond market collapse, and remaining risks in commercial real estate. He shares where he's putting capital now, and why gold, miners, energy, and Bitcoin may be essential for protecting your portfolio. You'll learn: Why U.S. Treasuries have lost their “risk-free” status Chri's 2025 Outlook for the Stock Market Where short-term bonds and cash play a role in today's uncertain markets Why gold miners, and energy stocks are primed for a breakout How Bitcoin fits into your portfolio, but why it's not a safe haven during market crashes Why counting on a Fed rescue may be dangerous in 2025 Chapters:0:55 – Is Commercial Real Estate Headed for More Pain? 2:23 – When Does Commercial Real Estate Become a Buy? 5:07 – Should You Buy the 10-Year Treasury Now? 8:35 – Where Can Investors Find Safe Yield Today? 10:14 – Has the Oil Trade Already Set Sail? 12:25 – How Would a Recession or Tariffs Hit Energy Prices? 13:36 – Is Bitcoin Really a Safe-Haven Asset? 15:11 – How Much Crypto Belongs in a Portfolio? 16:28 – Physical Gold, ETFs or Miners: What's Best Now? 19:50 – How Big Should Your Gold Position Be? 20:46 – Is Hiding in Cash a Wise Strategy? 22:47 – Should You Rotate From U.S. to European Stocks? 24:44 – Which Foreign Markets Actually Look Attractive? 26:24 – Where Is The Market Headed: What's the Smart Play? Volatility got you concerned? Get a free portfolio review with Wealthion's endorsed financial advisors at www.wealthion.com/free Hard Assets Alliance - The Best Way to Invest in Gold and Silver: https://www.hardassetsalliance.com/?aff=WTH Connect with us online: Website: https://www.wealthion.com X: https://www.x.com/wealthion Instagram: https://www.instagram.com/wealthionofficial/ LinkedIn: https://www.linkedin.com/company/wealthion/ #Wealthion #Wealth #Finance #Investing #Gold #Bitcoin #Bonds #DebtCrisis #MarketCrash #SafeHaven #EnergyStocks #Macro #Markets #stocks ________________________________________________________________________ IMPORTANT NOTE: The information, opinions, and insights expressed by our guests do not necessarily reflect the views of Wealthion. They are intended to provide a diverse perspective on the economy, investing, and other relevant topics to enrich your understanding of these complex fields. While we value and appreciate the insights shared by our esteemed guests, they are to be viewed as personal opinions and not as investment advice or recommendations from Wealthion. These opinions should not replace your own due diligence or the advice of a professional financial advisor. We strongly encourage all of our audience members to seek out the guidance of a financial advisor who can provide advice based on your individual circumstances and financial goals. Wealthion has a distinguished network of advisors who are available to guide you on your financial journey. However, should you choose to seek guidance elsewhere, we respect and support your decision to do so. The world of finance and investment is intricate and diverse. It's our mission at Wealthion to provide you with a variety of insights and perspectives to help you navigate it more effectively. We thank you for your understanding and your trust. Learn more about your ad choices. Visit megaphone.fm/adchoices

Register for the webinar:Should You Buy a Business? A Live Panel with Lab Members - Wed Apr 23rd - https://bit.ly/3EBvXvNJoe Ziolkowski found the deal of a lifetime — a $10m manufacturing business — by expanding his filters on BizBuySell.Topics in Joe's interview:Investing with a friend in real estateBacking out of a Mr. Rooter dealAcquiring a restoration businessDealing with insurance in restorationMaking a bad operations hireSelling the business at a profit after 6 monthsAcquiring a wood veneer manufacturing companyGetting a great deal on both businessesSeller's daughter staying on as VPWhy it's impossible to start a wood veneer businessReferences and how to contact Joe:LinkedInjoe@woodlandface.comWoodland FaceWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

► If you enjoyed the episode, please leave us a good review!► More from PIF: https://linktr.ee/practicalislamicfinanceA Trader's MarketIn this episode, we will cover:IntroMarket Recap: Walmart's Weak Forecast Shocks InvestorsBitcoin's Key Price Levels & Market SentimentTesla's India Expansion & Trump's ReactionEthereum vs. Bitcoin: Why I'm Not Investing in ETHGold Nearing $3,000 – Should You Buy?Final Thoughts & Q&ACONTACT USsalam@practicalislamicfinance.comABOUT OUR PODCASTOur podcast is about helping people ethically build wealth. We cover a broad range of topics including stock and crypto investing, product reviews, and general financial well-being.DISCLAIMERAnything you hear in this video is an opinion. It is not personalized financial advice. Make sure you do your due diligence before making any investment decisions.

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - what a lawsuit against Ameriprise can teach us all about saving and investing. Clark Stinks: Segments 1 & 2 Savings Rate Rip Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Travel Insurance Checklist: 5 Types of Coverage To Consider 4 Things To Know Before You Buy a Digital TV Antenna T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Best Credit Cards for Students: Top Picks for 2024 Barrons: Ameriprise Asks Judge to Toss Clients' Cash-Sweep Lawsuit 17 of the Best High-Yield Online Savings Accounts in January 2025 High-Yield Savings Account (HYSA) Calculator MyCredit Guide - American Express Submit a complaint | Consumer Financial Protection Bureau What Is a 403(b) and How Does It Work? Clark.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

to watch this episode, subscribe to my YouTube channel: optYOUmize podcast Youtube optYOUmize is sponsored by: Renew Youth - aging made better Strawberry.me - personal coaching BetterHelp online therapy HelloFresh - America's #1 Meal Kit Amazfit - smartwatches and fitness wearables Summary Brett Ingram speaks with David Sidoni, a first-time homebuyer expert, about the challenges of homeownership in today's market. David shares his unique journey from show business to real estate, emphasizing the importance of education and empowerment for first-time buyers. They discuss the current state of the real estate market, the impact of low inventory, and the philosophical and practical considerations for young renters contemplating homeownership. David also highlights the significance of having a knowledgeable real estate team and navigating online resources effectively. The conversation concludes with insights on entrepreneurial success and the value of continual education. Visit https://howtobuyahome.com for anyone seeking information on the first-time home buying process, from clueless beginner to a researched veteran. Chapters 00:00 Introduction to Homeownership Challenges 01:13 David Sidoni's Unique Journey 05:23 Current Real Estate Market Insights 09:15 Should You Buy a Home Now? 19:24 Strategies for Young Renters 27:40 The Importance of a Real Estate Team 32:54 Navigating Online Resources for Home Buying 37:25 Finding the Right Real Estate Agent 41:53 Final Thoughts on Entrepreneurial Success #homeownership #realestate #personaldevelopment #entrepreneurship #optyoumize #brettingram #entrepreneurpodcast #podmatch Learn more about your ad choices. Visit megaphone.fm/adchoices

Hi friends!  Today we're talking about the social needs of livestock and why they need to be raised with others, preferably of their own kind, to make sure they are happy, healthy and productive.  Listen in to find out why you don't want to raise animals alone whether you're raising them for food or breeding purposes.   All the Best! Millie     Related Episode:   24 | What Is That Smell? The Bucks are In Rut! Should You Buy a Buck to Breed Your Does or Is Leasing a Better Option? https://podcasts.apple.com/us/podcast/get-goat-wise-meat-goats-dairy-goats-self-sufficiency/id1743448724?i=1000670395623   Join our email list and be first to get updates and special offers: https://getgoatwiseinsider.grwebsite.com   Join the FB Community: https://www.facebook.com/groups/getgoatwise     Connect with me:   Email: hello@getgoatwise.com   See what's happening on the ranch: www.instagram.com/dry.creek.livestock  

Hi friends!  Today we're talking about breeding season and buck management.  I'll share our management plan for bucks through the year, some mistakes we've made and tips to avoid making the same mistakes, as well as some simple things you can do that make a big difference when dealing with common buck problems.  With adequate space and good fencing, you can have a great buck experience.   All the Best! Millie   Mentions:   The 12 Week Year by Brian Moran and Michael Lennington: https://12weekyear.com     Related Episode:   24 | What Is That Smell? The Bucks are In Rut! Should You Buy a Buck to Breed Your Does or Is Leasing a Better Option? https://podcasts.apple.com/us/podcast/get-goat-wise-meat-goats-dairy-goats-self-sufficiency/id1743448724?i=1000670395623   Join our email list and be first to get updates and special offers: https://getgoatwiseinsider.grwebsite.com   Join the FB Community: https://www.facebook.com/groups/getgoatwise     Connect with me:   Email: hello@getgoatwise.com   See what's happening on the ranch: www.instagram.com/dry.creek.livestock  

The Fed is scheduled to meet next week. Will it lower interest rates again? With one rate cut already on the books and perhaps two more coming before the end of the year…folks are wondering what effect all this will have on mortgages and home sales. Dale Vermillion joins us today to talk about it.Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Current Mortgage Rate TrendsWith recent shifts in the economy, many are wondering about mortgage rates and how decisions from the Federal Reserve impact them. While the Fed recently lowered interest rates by half a percent, the market already anticipated this move. Mortgage rates dropped nearly a full percent before the Fed's decision, but they've since started to climb back up. Currently, the national average for mortgage rates sits between 6.30% and 6.40%, and experts predict that they will remain in the low to mid-6% range for the rest of the year.For those hoping rates drop below 5%, it's unlikely to happen anytime soon. Leading analysts say we likely won't see those numbers until 2025 or later.Despite the changes in interest rates, home sales have remained relatively flat. While there has been a slight increase in home purchases, with mortgage locks up by 8% from last year, the real activity may come from new construction. Existing homeowners are holding on to their properties due to the so-called "rate lock effect," where people are reluctant to sell because they have locked in low mortgage rates. However, once rates drop, we'll most likely see a surge in home sales around 2025 and 2026.Should You Buy or Refinance Now?For those trying to decide whether to buy a home or refinance, there are pros and cons in every market, but several factors are working in favor of buyers right now:Lower Rates: While mortgage rates aren't at historic lows, they are lower than they've been in recent years.Less Competition: With fewer buyers in the market, now is an opportune time to find a home without the fierce competition of a booming market.If you're renting, it may be a good time to buy as long as you can afford the monthly payments. Buying a home builds equity and provides tax benefits, making it a financially sound decision for many.When it comes to refinancing, do not refinance if it means extending the term of your mortgage. Extending your loan term will wipe out any savings you gain from a lower rate, costing you tens of thousands of dollars in the long run. Only refinance if you can lower your payment while keeping or shortening your mortgage term.Seeking Wisdom in Home FinancingBiblical principles should guide all of our financial decisions, including home financing. Romans 13:8 tells us, "Owe no one anything except to love each other." This verse reminds us that as stewards of God's resources, we should aim to live debt-free and manage our finances responsibly.Navigating the mortgage market can be challenging, but by staying informed and grounded in biblical principles, you can make wise decisions that honor God and secure your financial future. Whether buying your first home or considering a refinance, start with a budget and avoid taking on unnecessary debt. Always ensure your financial decisions align with God's Word and your long-term financial goals.For more insights on mortgage financing and faith-based financial wisdom, you can explore Dale's book, Navigating the Mortgage Maze: The Simple Truth About Financing Your Home, and continue to seek guidance on making informed, biblically sound decisions in your financial life.On Today's Program, Rob Answers Listener Questions:I need to change investment companies from Vanguard, as they are becoming more digital-focused. I'm looking for a company that offers a directed beneficiary program where I can designate beneficiaries per account and a simple process for Qualified Charitable Distributions (QCD) where I can call and request a check be sent directly to the charity.I have existing investments and a financial advisor. I heard you discuss investing in companies aligned with biblical values. Can you provide a resource or recommendation for identifying companies or funds that match those values if I still need to be invested in them?I have two insurance policies, and they are burial policies for my wife and I. They're about $200 between the two monthly and $25,000 each. I'm questioning whether I would be better off just adding that money to my investments or keeping my insurance. I'm 63, my wife is 65, and we're in pretty good health, but I hope we have quite a few more years before that would be necessary.We're at the point in our lives where we need to downsize, so I was wondering if we need to tithe on our sale before investing in another primary residence when we sell our primary home and purchase another one.Resources Mentioned:Navigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionList of Faith-Based Investment FundsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Ethereum's days are numbered! If it doesn't make waves now, it will probably suffer a long and drawn out capitulation while Layer 1s like Solana and Sui take over. Join Ran live to see why he's picking up some Ethereum ecosystem altcoins today, despite his disbelief in the technology! - -

Ben Rains dives into the S&P 500's jump to fresh highs following Taiwan Semiconductor's bullish earnings release. The episode then digs into three market-beating technology stocks—AppFolio, Spotify, and Vertiv—to buy as the busy part of earnings season ramps. (0:15) - Stock Market Update: Bullish Backdrop Remains Despite Possible Profit-Taking Ahead (2:20) - Buy AppFolio On The Dip Before Earnings? (7:30) - Should You Buy and Hold Spotify Stock? (13:35) - Is Vertiv A Strong Long Term AI Investment?                Podcast@Zacks.com

Should you buy the Google TV Streamer? What about the new Roku Ultra? YouTube is displaying more ads. Bose has new earbuds. Steam Families simplifies game sharing. The post Entertainment 2.0 #660 – Should You Buy the Google TV Streamer? appeared first on The Digital Media Zone.

Episode Overview:In this episode, Ben Utley and Nate Reineke address a key question: At what net worth should you begin a financial plan? They explore various financial challenges faced by physician families, including investment opportunities, insurance needs, and handling unexpected financial situations. Drawing on real conversations with physicians, Ben and Nate offer practical insights to help listeners make informed financial decisions.Key Takeaways:1. Investing in Medical Office Buildings: - One physician considers investing in the medical office building where they practice. Ben and Nate highlight the importance of reviewing financial statements, understanding the associated risks, and assessing whether this investment aligns with long-term financial goals.2. Umbrella Insurance for Added Protection: - A psychiatrist inquires about umbrella insurance, and the hosts explain how this additional liability coverage can protect assets in the event of lawsuits. They recommend coverage that reflects one's net worth and discuss the peace of mind it can provide.3. Financial Planning Regardless of Net Worth: - Ben and Nate emphasize that a high net worth isn't necessary to start a financial plan. Even those with significant student loans or low net worth should consider developing a strategy to manage debt and build financial security.4. Should You Buy a Vacation Home? - The hosts explore the pros and cons of purchasing a second home. They discuss how to weigh this decision against broader financial goals and whether a vacation property could be a sensible long-term investment.5. Job Loss and Retirement Savings: - How does an unexpected job loss impact retirement savings? Ben and Nate advise on the importance of maintaining an emergency fund, temporarily pausing contributions, and planning for future retirement savings when circumstances stabilize.6. Tax Strategies for Retirement: - The episode covers tax-saving opportunities, such as deferring taxes through 401(k)s and cash balance plans. The hosts explain why attentiveness to tax implications during retirement fund withdrawals is crucial for maximizing savings and minimizing tax burdens.Actionable Advice:- Get Personalized Financial Advice:For tailored financial guidance that suits your needs, visit www.physicianfamily.com to connect with a professional advisor.- Have a Question?Send your questions to podcast@physicianfamily.com or call 503-308-8733, and your query might be featured in a future episode!Resources Mentioned:- The Overtaxed Doctor's Retirement Investing Checklist: https://www.physicianfamily.com/goAre you getting all the tax breaks you deserve? Download your checklist here to ensure you're maximizing your opportunities.Disclaimer: See marketing disclosures at www.physicianfamily.com/disclosures

At what net worth should you begin a financial plan? Nate and Ben tackle this critical question, along with other financial challenges faced by physician families, including investment opportunities, insurance needs, and managing unexpected financial situations. Drawing on real-life conversations with physicians, they provide practical insights into making informed financial decisions.Key Takeaways:1. Investing in Medical Office Buildings:A physician is considering investing in the medical office building where they practice. Nate and Ben discuss the importance of scrutinizing financial statements, understanding the risks, and evaluating whether this investment aligns with long-term financial goals.2.Umbrella Insurance for Added Protection:A psychiatrist asks about umbrella insurance, and the hosts explain how this additional liability coverage can protect assets in case of lawsuits. They recommend having coverage that matches one's net worth and discuss the peace of mind it provides.3. Financial Planning Regardless of Net Worth:Nate and Ben emphasize that you don't need to have a high net worth to start a financial plan. Even those with significant student loans or low net worth should develop a strategy to manage debt and build financial security.4. Should You Buy a Vacation Home?The hosts dive into the pros and cons of purchasing a second home. They discuss how to weigh this decision against your broader financial objectives and whether a vacation property makes sense as a long-term investment.5. Job Loss and Retirement Savings:How can unexpected job loss affect your retirement savings? Nate and Ben offer advice on maintaining an emergency fund, pausing contributions temporarily, and planning for future retirement savings when your situation stabilizes.6. Tax Strategies for Retirement:The episode covers tax-saving opportunities, like deferring taxes through 401(k)s and cash balance plans. The hosts explain why it's essential to consider tax implications when withdrawing funds in retirement, to maximize your savings and minimize tax burdens.Actionable Advice:- Get Personalized Financial Advice:For tailored financial guidance that suits your needs, visit www.physicianfamily.com to connect with a professional advisor.- Have a Question?Send your questions to podcast@physicianfamily.com or call 503-308-8733, and your query might be featured in a future episode!Resources Mentioned:- The Overtaxed Doctor's Retirement Investing Checklist:Are you getting all the tax breaks you deserve? Download your checklist here to ensure you're maximizing your opportunities.Disclaimer:Physician Family Financial Advisors Inc., a registered investment advisor, has reasonable belief that the information and content as a whole does not include any false or materially misleading statements or omissions of facts regarding services, investments, or client experience. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account the specific situation or objectives of individuals and is not intended as recommendations appropriate for all individuals. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

In response to a listener question from Barry Burns (aka Big Bazza!), the Pro Audio Suite team breaks down their thoughts on the Rode NT2000 and its use for voiceover work. Whether you're a voice actor curious about this mic or just a fan of Rode gear, this episode offers some valuable insights and a healthy dose of gear talk. Topics Covered: Initial Impressions of the Rode NT2000: The crew discusses their experience with the Rode NT2000, diving into the build quality, sound characteristics, and versatility of this multi-pattern mic. Comparisons to Other Mics: How does the NT2000 stack up against mics like the U87 and the Austrian Audio OC818? George and Andrew give their take on whether the NT2000 is a real contender in the voiceover world. Strengths of the NT2000: The team highlights the mic's variable polar patterns, high-pass filter, and low noise floor, making it a solid choice for versatile studio setups. Durability Over Time: With over a decade of use in one Melbourne studio, the team talks about the mic's longevity and how well it holds up compared to other long-term staples in the voiceover industry. The NT2000's Unique Design Features: The discussion covers the adjustable pots on the NT2000 and why, despite their flexibility, they might not be for everyone. Should You Buy the Rode NT2000 for Voiceover? Andrew sums up his experience with the NT2000 and answers whether it's worth the investment or if you should look into alternatives like the Austrian Audio OC818. Listener Question: Barry Burns asked: “I have the Rode NT2000 but can't find much in the way of evaluations for it. Any thoughts on how it stacks up for voiceover work?” Our answer: We break down the pros and cons of the NT2000 in the context of professional voiceover and help Barry (and you) decide if it's a keeper. Special Thanks: A big shout-out to our sponsors, TriBooth and Austrian Audio, for making this episode possible. Subscribe and Stay Tuned: Enjoyed the episode? Subscribe to The Pro Audio Suite for more expert insights on microphones, audio production, and voiceover gear reviews. Don't forget to like, leave a review, and share with your fellow audio pros! Both these companies are providers of QUALITY Audio Gear (we wouldn't partner with them unless they were), so please, if you're in the market for some new kit, do us a solid and check out their products, and be sure to tell em "Robbo, George, Robert, and AP sent you"... As a part of their generous support of our show, Tri Booth is offering $200 off a brand-new booth when you use the code TRIPAP200. So get onto their website now and secure your new booth... https://tribooth.com/ And if you're in the market for a new Mic or killer pair of headphones, check out Austrian Audio. They've got a great range of top-shelf gear..  https://austrian.audio/ We have launched a Patreon page in the hopes of being able to pay someone to help us get the show to more people and in turn help them with the same info we're sharing with you. If you aren't familiar with Patreon, it's an easy way for those interested in our show to get exclusive content and updates before anyone else, along with a whole bunch of other "perks" just by contributing as little as $1 per month. Find out more here..   https://www.patreon.com/proaudiosuite     George has created a page strictly for Pro Audio Suite listeners, so check it out for the latest discounts and offers for TPAS listeners. https://georgethe.tech/tpas If you haven't filled out our survey on what you'd like to hear on the show, you can do it here: https://www.surveymonkey.com/r/ZWT5BTD Join our Facebook page here: https://www.facebook.com/proaudiopodcast And the FB Group here: https://www.facebook.com/groups/357898255543203 For everything else (including joining our mailing list for exclusive previews and other goodies), check out our website https://www.theproaudiosuite.com/ “When the going gets weird, the weird turn professional.” Hunter S Thompson  

Bill and Kenny dive into the challenges faced by short-term rental investors amidst increasing regulations, market saturation, and rising interest rates. They discuss strategic investments and the timing of buying properties, emphasizing the importance of constant market vigilance and prudent financial planning. The episode also explores the implications of market trends and the benefits of using Market My STR's platform for streamlined marketing efforts. Listeners are encouraged to make informed purchasing decisions and stay adaptable in a competitive and fluctuating market. https://go.buildstrwealth.com/tour 00:00 Introduction to STRonomics 00:28 Market My STR: The Ultimate Marketing Platform 01:26 Should You Buy or Wait? 01:45 Personal Investment Stories and Strategies 02:52 Current Market Trends and Predictions 12:24 The Importance of Constantly Looking for Deals 13:25 Challenges in Vacation Rental Markets 19:26 Design and Investment Tips for Super Properties 21:08 Conclusion and Upcoming Events We handle the day-to-day tasks of your short-term rental, giving you the freedom to grow your business and focus on the things that matter most. In the dynamic landscape of short-term rentals, success lies in the details. At STR Super VAs, we bring expertise to every facet of your business, ensuring those details are meticulously managed. Click here to learn more about how you can integrate VAs into your business! https://www.strvas.com/ Watch this podcast each Thursday on our YouTube Channel: https://www.youtube.com/channel/UCnheh3vx0hT5Y7uHWhBs8kA STR Data Hosts Facebook Page Instagram: Kenny_Bedwell You can find more of Bill online at: Bill Faeth Linktree: https://linktr.ee/bfaeth?utm_source=linktree_profile_share<sid=660cbc9b-4a7e-4ed9-a654-900180b83af1 Build STR Wealth: https://buildstrwealth.com/ Instagram: @BillFaeth73 Tik Tok: @bfaeth Learn more about your ad choices. Visit megaphone.fm/adchoices

In the summer series finale Erica and Ben delve into a financial case study of whether it's more cost-effective to buy or rent a vacation home.   (00:00) Podcast Rebranding Announcement (03:33) Should You Buy a Vacation Home? (05:16) Financial Model for Vacation Home Decision (06:48) Survey Insights and Personal Experiences (09:49) Assumptions and Details of the Financial Model (17:14) Understanding Home Value Growth Rate (18:56) Rental Assumptions and Long-Term Benefits (21:31) Investment Growth Rate in Rental Scenarios (23:05) Analyzing the Cash Flow Model (30:08) Qualitative Considerations in Financial Decisions (33:17) Wrapping Up the Summer Series   ============== Link to cashflow model: https://docs.google.com/spreadsheets/u/1/d/1Uj-mng12ul-sBolzGEJ8CELNVNFTWd7SI32vG2wIYUk/copy?gid=1267248657#gid=1267248657 ============== Connect with Erica | LinkedIn | Website | Newsletter Connect with Ben | LinkedIn  

The number one issue people are contacting Team Clark about: Buying a used car. Clark goes back to basics on how to purchase a used vehicle, so you know how to protect yourself before setting foot on a dealer lot.  Later - Antitrust lawsuits allege corporate landlord price collusion via software. What apartment renters need to know and strategies to get the best deal on rent.  Buying A Used Vehicle: Segment 1 Ask Clark: Segment 2 Apartment Rent: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Buy a Used Car (Clark.com) Should You Buy an Extended Warranty on Your Car? Online security: Our promise to you - Investor Vanguard Vanguard's Online Fraud Policy Safer Ways To Send Money NYTimes: Lawsuits Mount Over Software Used by Landlords to Set Rents Trust Pilot - Kensington Tours  /  BBB - Kensington Tours Cancel for Any Reason Trip Insurance: Should You Buy It? Best Travel Credit Cards: Top Rewards Picks for 2024 Is an HSA the Best Way To Save for Future Medical Expenses? Where Should I Set Up My Health Savings Account (HSA)? Clark.com resources Episode transcripts Community.Clark.com 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

Sarah Hansen, Morningstar Inc. markets reporter talks about what is driving the AI market rally, and what's next for AI and the Fab Five. Sean Dunlop, a senior equity analyst for Morningstar Research Services, explains how AI can innovate the restaurant industry. Travis Miller, energy and utilities strategist for Morningstar Research Services, discusses how utilities are powering AI through data center demand.  Should the AI Market Rally Broaden Its View?Who Is Driving the Fab Five's Success?Will NVIDIA Remain the Leader in the Artificial Intelligence Race?Tech Companies Struggling to Keep Up with the Fab FiveAI OutlookCan AI Speed Up Tech Evolution?How Digital Adoption Can Grow Bottom Lines  Restaurant Industry Forecast for 2024Utilities Stocks: When Will the Market Give the Sector Some Respect?  Where Do Utilities Fit Into AI Growth?   Read about topics from this episode.  These Stocks Are (Still) Powering the Bull MarketAI Is Booming, but Consumer Spending Is Slowing. Which Will Prevail in the Stock Market?Should You Buy and Hold an Artificial Intelligence Portfolio?Which AI Stocks Are Turning Hype Into Revenue?Utility Stocks: When Will the Market Give the Sector Some Respect? What to watch from Morningstar.4 Reasons Why the Stock Market Has Delivered Impressive PerformanceInherited IRA Investors Get Another Break, but the Clock Is Ticking on RMDsShort-Term Market Volatility Could Provide Long-Term Investing OpportunitiesAI Can Help Restaurants Innovate, But Will It Deliver Profits? Read what our team is writing:Ivanna HamptonSarah HansenSean DunlopTravis Miller 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/

After finishing residency and swallowing the purple pill (reading a Kiyosaki book), I found my entrepreneurial self for the first time. I was a like a kid in a candy store looking for any business opportunity I could think of. My initial foray into the entrepreneurial world related to my background—as a surgeon. I started […] The post 436: Should You Buy an Online Business? appeared first on Wealth Formula.

Our guest this week is our colleague, Bryan Armour, who is director of passive investment strategies research, North America, for Morningstar Research Services. Bryan is also editor of the ETFInvestor newsletter. Before joining Morningstar in 2020, Bryan spent seven years working for Finra, the Financial Industry Regulatory Authority, conducting trade surveillance and investigations specializing in exchange-traded funds. Prior to Finra, he worked for a proprietary trading firm as an options trader at the Chicago Mercantile Exchange. Bryan holds a BA in Economics from the University of Illinois and the Chartered Financial Analyst designation.BackgroundBioPassive Investing and ETFs“Index Funds Have Officially Won,” by John Rekenthaler, Morningstar.com, Feb. 13, 2024.“Active Funds Fell Short of Passive Peers in 2023,” by Bryan Armour, Morningstar.com, March 12, 2024.“It's Official: Passive Funds Overtake Active Funds,” by Adam Sabban, Morningstar.com, Jan. 17, 2024.“ETFs vs. Mutual Funds: The Benefits That Really Matter,” by Bryan Armour, Morningstar.com, Feb. 6, 2024.“2023 Model Portfolio Landscape,” Morningstar.com.“Markets Are ‘Fundamentally Broken' Due to Passive Investing, Says David Einhorn,” by William Watts, marketwatch.com, Feb. 9, 2024.“How Fund Fees Are the Best Predictor of Returns,” by Russ Kinnel, Morningstar.com, Jan. 12, 2026.“Cage Match: Traditional Index Funds vs. ETFs,” by Christine Benz and Margaret Giles, Morningstar.com, Oct. 20, 2023.“Global Fund Flows: 2023 in Review,” Morningstar.com, Feb. 6, 2024.“A Closer Look at Vanguard's Newest Core Bond ETFs,” by Dan Sotiroff, Morningstar.com, Feb. 12, 2024.“3 New ETFs That Stand Out From the Pack,” by Ryan Jackson, Morningstar.com, Aug. 30, 2023.“Converting Mutual Funds to ETFs: What to Make of the Trend,” by Daniel Sotiroff, Morningstar.com, April 11, 2023.“How to Choose a Great Dividend ETF,” by Dan Sotiroff, Morningstar.com, May 17, 2023.“The Best and Worst New ETFs of 2023,” by Bryan Armour, Morningstar.com, Dec. 19, 2023.Bitcoin and Covered-Call ETFs“Spot Bitcoin ETFs Are Here. Should You Invest?” by Bryan Armour, Morningstar.com, Jan. 11, 2024.“Grayscale's Victory Over the SEC Doesn't Mean a Spot Bitcoin ETF—for Now,” by Bryan Armour, Morningstar.com, Aug. 30, 2023.“Should You Buy a Covered-Call ETF?” Video interview with Bryan Armour and Ruth Saldanha, Morningstar.com, June 14, 2023.Securities MentionediShares ESG Aware ETF ESGUiShares MSCI USA Quality Factor ETF QUALARK Innovation ETF ARKKGrayscale Bitcoin Trust (BTC) GBTCJPMorgan Equity Premium Income ETF JEPIGlobal X Nasdaq 100 Covered Call ETF QYLDVanguard's High Dividend Yield ETF VYMBlackRock Flexible Income ETF BINCSchwab High Yield Bond ETF SCYBT. Rowe Price Capital Appreciation Equity ETF TCAF2x Bitcoin Strategy ETF BITXYieldMax AI Option Income Strategy ETF AIYYOther“The ETF Rule: What It Is and Why It Matters,” by Irene Huhulea, Investopedia.com, Jan. 25, 2024.

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Clark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.  Back To Smaller Homes: Segment 1 Ask Clark: Segment 2 College Major and School Choice Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show Goodbye Bathtub and Living Room. America's Homes Are Shrinking. Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. Should You Buy an Extended Warranty on Your Car? Want high earnings? Focus on the major, not a college's prestige Student Loan Payments Are Restarting: 4 Things To Know How Do Student Loans Work? 7 Things to Know ‘I've had this black cloud looming over me': How private lenders have left millions of college students with no hope for the future Simple Interest: Who Benefits, With Formula and Example Rule of 78: Definition, How Lenders Use It, and Calculation Submit a complaint | Consumer Financial Protection Bureau Why Clark Howard Shifted to a Digital Wallet and You Should Too Clark.com resources Episode transcripts Community.Clark.com 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

As the enrollment period for health insurance approaches, an underused option offers new opportunity involving the best savings plan offered in America. Clark explains. Also, another entity promising big returns in real estate made off with investor money. Clark amplifies his warning against private placement investing - which comes in many forms, including this crowd funding real estate company gone bust.  Is An HSA Right For You? Segment 1 Ask Clark: Segment 2 Beware Private Placement Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Healthcare Plan Most People Should Buy—and Why They Don't WSJ: Couples Can Soon Put Over $10,000 a Year Into Health Savings Accounts What Is an HSA Account and How Does It Work? Raisin Review: Can You Trust This Online Savings Marketplace? Price Drop on Used Electric Cars: Is Now the Time To Buy? Real-Estate Deal Gone Bad Hits Popular Crowd Funder - The Wall Street Journal. Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com 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

Clark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.  Back To Smaller Homes: Segment 1 Ask Clark: Segment 2 College Major and School Choice Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show Goodbye Bathtub and Living Room. America's Homes Are Shrinking. Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. Should You Buy an Extended Warranty on Your Car? Want high earnings? Focus on the major, not a college's prestige Student Loan Payments Are Restarting: 4 Things To Know How Do Student Loans Work? 7 Things to Know ‘I've had this black cloud looming over me': How private lenders have left millions of college students with no hope for the future Simple Interest: Who Benefits, With Formula and Example Rule of 78: Definition, How Lenders Use It, and Calculation Submit a complaint | Consumer Financial Protection Bureau Why Clark Howard Shifted to a Digital Wallet and You Should Too Clark.com resources Episode transcripts Community.Clark.com 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