Podcasts about smart strategies

In this episode of the Jon Sanchez Show, hosts Jon Sanchez, Dwight Millard, and Cory Edge discuss the current state of the housing market and the common mistakes buyers are making. They emphasize the importance of understanding market dynamics, particularly the impact of interest rates and buyer psychology. The conversation highlights the need for buyers to focus on the right home rather than just chasing the lowest mortgage rate, as this can lead to missed opportunities. The hosts also stress the significance of being well-prepared with a solid pre-approval and understanding seller concessions to make informed decisions in a competitive market. As the discussion unfolds, the hosts share insights on the optimism surrounding the market, driven by recent positive trends in stock performance and mortgage rates. They caution against analysis paralysis, urging potential buyers to act decisively rather than waiting for the perfect moment. The episode wraps up with practical advice for buyers, including the importance of leveraging professional expertise and being proactive in negotiations to secure favorable deals.The Jon Sanchez Show is a service of Sanchez Gaunt Capital Management, LLC in Reno, Nevada.Learn more about our services: https://www.sanchezgaunt.com/our-processChapters00:00 Introduction and Market Overview01:04 Current Trends in Home Buying04:21 Common Home Buying Mistakes08:40 The Importance of Pre-Approval12:35 Leveraging Seller Concessions19:09 Smart Strategies for Buyers31:24 Disclaimer

Welcome back to the Law School Toolbox podcast! As AI is becoming part of our everyday life, we're discussing the good practices and the questionable uses of AI in law school. In this episode we discuss: How law students are currently using AI How law schools and professors are responding to AI usage The upside: When AI genuinely helps you learn and practice  Risks, pitfalls, and ethical landmines Resources: Tutoring for Law School Success (https://lawschooltoolbox.com/tutoring-for-law-school-success/) AI in Higher Education: A Meta Summary of Recent Surveys of Students and Faculty (https://sites.campbell.edu/academictechnology/2025/03/06/ai-in-higher-education-a-summary-of-recent-surveys-of-students-and-faculty/) ABA Task Force on Law and Artificial Intelligence releases survey on AI and legal education (https://www.americanbar.org/news/abanews/aba-news-archives/2024/06/aba-task-force-law-and-ai-survey/) This law school is among the 1% that allow use of AI to write admissions essays (https://www.abajournal.com/news/article/a-majority-of-surveyed-law-schools-have-no-policy-on-using-ai-to-write-admission-essays/) Risks of AI in Legal Practice (https://law.stanford.edu/juelsgaard-intellectual-property-and-innovation-clinic/risks-of-ai-in-legal-practice/) Podcast Episode 480: Ethical Uses of AI in Law School (w/Professor Susan Tanner) (https://lawschooltoolbox.com/podcast-episode-480-ethical-uses-of-ai-in-law-school-w-professor-susan-tanner/) Podcast Episode 505: Breaking ADHD Barriers with the Help of AI (w/Lindsay Scola) (https://lawschooltoolbox.com/podcast-episode-505-breaking-adhd-barriers-with-the-help-of-ai-w-lindsay-scola/) Podcast Episode 517: Teaching AI in Law School (w/Megan Hutchinson and Nicole Phillips) (https://lawschooltoolbox.com/podcast-episode-517-teaching-ai-in-law-school-w-megan-hutchinson-and-nicole-phillips/) Download the Transcript  (https://lawschooltoolbox.com/episode-538-using-ai-in-law-school-smart-strategies-and-red-flags/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/law-school-toolbox-podcast/id1027603976) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). If you're concerned about the bar exam, check out our sister site, the Bar Exam Toolbox (http://barexamtoolbox.com/). You can also sign up for our weekly podcast newsletter (https://lawschooltoolbox.com/get-law-school-podcast-updates/) to make sure you never miss an episode! Thanks for listening! Alison & Lee

Are you wondering how shifts in the energy sector and commodity markets might impact your retirement income? In this episode of The Financial Hour of The Tom Dupree Show, Tom Dupree, Mike Johnson, James Dupree, and Clark Dupree reveal why oil company stocks are rising even as oil prices fall—and what this means for Kentucky retirement planning. For investors approaching or enjoying retirement, understanding how quality energy companies provide both income and stability becomes crucial. This conversation demonstrates why personalized investment management focused on individual stock ownership often outperforms mass-market approaches during commodity market volatility. The Energy Sector Paradox: Lower Oil Prices, Higher Stock Values One of 2025’s most surprising market developments has been the disconnect between oil prices and energy company performance. Oil prices dropped 19% this year, yet the energy sector gained approximately 3%. “This is the first time this century that that has happened,” explains Mike Johnson. “Typically the market prices those producers to track the underlying commodity.” This divergence reflects important factors that Kentucky retirement investors should understand: Policy Changes Create Investment Opportunities Recent regulatory shifts have created a more favorable environment for energy companies. Occidental Petroleum quantified benefits from recent legislation at $700-800 million for 2025-2026 alone. Combined with emission standard rollbacks, these changes have extended market expectations for fossil fuel demand. Integrated Oil Companies Provide Natural Hedging Major companies like Chevron and Exxon operate with advantages that pure drilling companies lack. They have multiple profit centers including exploration, production, and refining. “With oil prices in the upper fifties, that means for the refining business their input costs go down,” Johnson notes. “So that’s a more profitable line of business. It’s like a natural built-in hedge.” This structural advantage makes integrated oil companies attractive for investors seeking stable dividend income rather than commodity speculation. Lessons from 2014: Why Energy Companies Are Stronger Today The energy sector’s transformation since 2014 offers crucial insights. When oil peaked at $150 per barrel in 2014, companies embarked on aggressive drilling. By 2020, oil prices had essentially dropped to zero. “Through blood, sweat, and tears, they were forced to become more efficient,” Tom Dupree observes about the industry’s evolution. Today’s energy companies focus on high-quality drilling opportunities with strong returns rather than volume at any cost. This disciplined approach creates sustainable businesses capable of maintaining dividends during commodity downturns. Quality Companies Over Commodity Speculation “This is why we invest in companies that actually make a profit,” Dupree emphasizes. “What we’re trying to do is invest in things that make a profit and pay a dividend and do something that’s valuable.” Silver, Gold, and Bitcoin: Understanding Commodity Risk for Retirees Precious metals have experienced significant volatility. Silver mining company Coeur Mining traded at $8 in August, surged to $24, then pulled back to $19—all while silver and gold continued broader upward trends. Why Commodities Don’t Fit Retirement Income Strategies Mike Johnson explains why Dupree Financial Group approaches commodities cautiously in retirement portfolios: “Gold has no earnings. There’s no dividend associated with it. In a bear market on the commodity, the gold mining companies are gonna stop paying the dividend. In the context of retirement investing and producing an income, it’s just a speculative commodity.” While commodities can appreciate—gold and silver performed exceptionally well recently due to dollar concerns—their lack of earnings and dividends makes them problematic as core holdings for income-focused investors. The Free Cash Flow Advantage Chevron’s 6.8% free cash flow yield versus the S&P 500’s 3.4% illustrates why Dupree Financial Group focuses on individual company ownership. Free cash flow represents actual cash available to shareholders after expenses, providing more accurate valuation than simple price-to-earnings ratios. Companies with strong free cash flow sustain and grow dividends even during commodity weakness, providing the income stability retirees depend upon. What Kentucky Retirement Investors Really Need Clark Dupree, working with prospective clients, offers insight into what drives people to seek professional investment management: “They’re looking for a relationship. They’re looking for somebody to give them peace of mind.” This highlights the distinction between Dupree Financial Group’s personalized approach and commoditized experiences at large national firms. Transparency Over Complexity Many firms use complex jargon that creates client dependency rather than understanding. As Clark notes: “Sometimes advisors rely on codependent relationships that are not healthy. When you talk over somebody’s head, a client may feel disempowered without you.” The team emphasizes clear communication about portfolio holdings, investment rationale, and risk management. Every client owns investments in a separately managed account rather than pooled mutual funds. “We don’t own the stocks that we own and the bonds we own on our balance sheet,” Johnson clarifies. “We hold them on behalf of our clients. That’s the difference.” Specialized Retirement Income Expertise Unlike generalist advisors serving all investor types, Dupree Financial Group specializes in retirement investing and income generation for clients ages 50 and above. “Our specialty is retirement investing and producing that income stream for clients,” Johnson explains. “To concentrate on an income stream and mitigate risk. The byproduct of that is what the returns are.” Every investment decision centers on generating reliable income and managing downside risk. Total returns relative to the S&P 500 become secondary to these primary objectives. Key Takeaways for Kentucky Retirement Investors Energy companies can provide attractive income even when commodity prices decline, especially integrated oil companies with multiple profit centers The 2014-2020 oil collapse taught energy companies efficiency lessons that make today’s dividend-paying energy stocks more sustainable Commodities like gold, silver, and Bitcoin lack earnings and dividend characteristics necessary for reliable retirement income Free cash flow yield provides better insight into dividend sustainability than price-to-earnings ratios Separately managed accounts offer transparency that pooled investments cannot match Specialized retirement investment management serves pre-retirees and retirees better than generalist approaches Clear communication creates empowered investors rather than dependent relationships Notable Quotes from This Episode On energy transformation: “Through blood, sweat, and tears, they were forced to become more efficient. Everything from… the reason for that was in 2014, oil hit $150 a barrel, and by 2020, it had basically dropped to zero.” – Tom Dupree On commodity risks: “Gold has no earnings. There’s no dividend associated with it. In a bear market on the commodity, the gold mining companies are gonna stop paying the dividend.” – Mike Johnson On investment philosophy: “This is why we invest in companies that actually make a profit. We may not keep up with gold or silver that really moves up in a hurry, but over time we think we’ll outperform them.” – Tom Dupree On client relationships: “They’re looking for a relationship. They’re looking for somebody to give them peace of mind.” – Clark Dupree Frequently Asked Questions About Energy Investing and Retirement Portfolios Q: Why are energy stocks performing well even though oil prices have dropped? A: Energy company stocks reflect multiple factors beyond current commodity prices including regulatory changes, improved efficiency since 2014-2020, attractive dividend yields, and recognition that fossil fuels will remain necessary longer than expected. Integrated oil companies particularly benefit because lower oil prices reduce refining input costs. Q: Should retirees invest in gold and silver? A: While precious metals can appreciate significantly, they generate no earnings or dividends. During bear markets lasting a decade or more, they provide no income while potentially declining. For Kentucky retirement portfolios focused on reliable income, dividend-paying quality companies typically serve investors better. Q: What makes integrated oil companies better investments than pure drilling companies? A: Integrated companies like Chevron and Exxon own both drilling operations and refining facilities, creating natural hedges. When oil prices are low, refining divisions benefit from lower input costs. Pure drilling companies lack this balance and remain entirely exposed to commodity swings, making dividends less sustainable. Q: How does personalized investment management differ from large national firms? A: Large firms typically assign clients to counselors who recommend pre-packaged mutual fund portfolios. Personalized management provides direct access to portfolio managers who build custom portfolios of individual stocks and bonds in separately managed accounts, providing complete transparency about holdings and fees. Q: What is free cash flow yield and why does it matter? A: Free cash flow yield measures actual cash a company generates after expenses relative to stock price. Unlike earnings with non-cash items, free cash flow represents real cash available for dividends. Companies with high free cash flow yields (Chevron’s 6.8% versus the S&P 500’s 3.4%) have greater capacity to sustain dividends during challenges. Q: Why specialize in retirement investing rather than serving all investors? A: Retirement investing requires different strategies than accumulation. Retirees need reliable income, downside protection, and portfolios sustaining withdrawals for 30+ years. Specializing in clients ages 50 and above allows deep expertise in income-focused strategies and risk management techniques, serving this phase most effectively. Take Control of Your Kentucky Retirement Portfolio If you’re approaching retirement or already retired and want a local financial advisor providing direct access to portfolio managers rather than assigned counselors, Dupree Financial Group offers a different approach. Our three-generation, Kentucky-based team specializes in creating personalized, income-focused portfolios using individual stock and bond ownership rather than mass-market mutual funds. You deserve transparency about what you own, why you own it, and exactly what fees you’re paying. Schedule Your Complimentary Portfolio Review Discover how personalized investment management focused on dividend income and risk mitigation can provide greater peace of mind for your retirement years. Call Dupree Financial Group at (859) 233-0400 or visit dupreefinancial.com to schedule your complimentary portfolio analysis. Our team will review your current holdings, discuss your income needs and risk tolerance, and explain how our approach differs from large national firms. There’s no obligation—just straightforward guidance from Kentucky investment professionals who put your retirement security first. Explore More Resources: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Browse Our Market Commentary Archive The post Energy Sector Investing: Smart Strategies for Kentucky Retirement Portfolios appeared first on Dupree Financial.

John Corcoran is a recovering attorney, an author, and a former White House writer and speechwriter to the Governor of California. Throughout his career, John has worked in Hollywood, the heart of Silicon Valley, and run his boutique law firm in the San Francisco Bay Area, catering to small business owners and entrepreneurs. Since 2012, John has been the host of the Smart Business Revolution Podcast, where he has interviewed hundreds of CEOs, founders, authors, and entrepreneurs, including Peter Diamandis, Adam Grant, Gary Vaynerchuk, and Marie Forleo. John is also the Co-founder of Rise25, a company that connects B2B businesses with their ideal clients, referral partners, and strategic partners. They help their clients generate ROI through their done-for-you podcast service. In this episode… Many professionals struggle to stand out online and build the relationships that fuel business growth, often feeling overwhelmed or plagued by impostor syndrome as they step into thought leadership. With countless tools and platforms competing for attention, it's hard to know where to focus. How can you overcome self-doubt, use modern tools effectively, and build meaningful B2B connections?  John Corcoran, a seasoned entrepreneur and relationship-building expert, faced these challenges directly by applying clear frameworks, smart technology, and a people-first mindset. Drawing on resources like Winnie Hart's The Daily Thought Leader, John shares how consistent, practical content can build credibility and quiet self-doubt. He also explains how AI note-taking tools and intentional email welcome sequences helped him boost productivity, nurture prospects, and turn casual interest into lasting professional relationships.  Tune in to this episode of the Smart Business Revolution Podcast as Chad Franzen of Rise25 interviews John Corcoran about leveraging thought leadership and technology to build real B2B relationships. They discuss overcoming impostor syndrome, leveraging AI note-taking tools, and creating an effective email welcome series that nurtures leads and opens doors to new partnerships.

Ep 206: Career Storytelling and Other Smart Strategies for 2025 and Beyond”

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New Episode Alert: Claims Tech Year in Review

Dr. Corey Pfaffe is a Certified Public Accountant and Principal of MinistryCPA. They advise individuals and organizations as they steward the financial resources entrusted to them. Prior to this organization, Corey served as the Dean of the School of Business at Maranatha Baptist University in Watertown, Wisconsin. He holds a PhD in Management Science. Proverbs 3:9 says: "Honour the Lord with thy substance, and with the first fruits of all thine increase." We do this as we put our check in the church offering regularly, yet is there anything else we should be considering? Yes, there's the tax issue. Jesus said: "Render unto Caesar the things that are Caesar's, and to God the things that are God's." However, we aren't entitled to give Caesar more than he's entitled to. So is there a way we can do that without compromising our integrity while increasing our stewardship? This is where Dr. Pfaffe comes in as he explained a number of stewardship opportunities that he referred to as tax smart strategies. They include: Donor Advised Fund Qualified Charitable Distribution Gifts of Appreciated Stock Charitable IRA Request Required Minimum Distribution Listeners brought their questions to the broadcast as well, so there's a lot to take in and learn from this edition of Crosstalk.

Dr. Corey Pfaffe is a Certified Public Accountant and Principal of MinistryCPA. They advise individuals and organizations as they steward the financial resources entrusted to them. Prior to this organization, Corey served as the Dean of the School of Business at Maranatha Baptist University in Watertown, Wisconsin. He holds a PhD in Management Science. Proverbs 3:9 says: "Honour the Lord with thy substance, and with the first fruits of all thine increase." We do this as we put our check in the church offering regularly, yet is there anything else we should be considering? Yes, there's the tax issue. Jesus said: "Render unto Caesar the things that are Caesar's, and to God the things that are God's." However, we aren't entitled to give Caesar more than he's entitled to. So is there a way we can do that without compromising our integrity while increasing our stewardship? This is where Dr. Pfaffe comes in as he explained a number of stewardship opportunities that he referred to as tax smart strategies. They include: Donor Advised Fund Qualified Charitable Distribution Gifts of Appreciated Stock Charitable IRA Request Required Minimum Distribution Listeners brought their questions to the broadcast as well, so there's a lot to take in and learn from this edition of Crosstalk.

Tax stress doesn't start in April—it starts when we ignore the basics. We sit down with Rose, best-selling author of Add a Zero, to turn anxiety into a simple, repeatable system that keeps your books clean and your tax bill smaller. From hiring an affordable bookkeeper to building monthly routines, we walk through the exact steps that make compliance easy and strategy possible.We dig into the power of clean data: connecting your accounts to QuickBooks, letting a pro categorize your transactions, and answering a short monthly list of questions so your P&L stays accurate. Then we layer in automation using project tools like Asana—recurring tasks for contractor 1099s, retirement contributions before the cutoff, and a post-filing strategy session with your CPA. The result is less guesswork, fewer surprises, and more time to focus on work that grows the business.Rose breaks down the tax-savvy retirement options many entrepreneurs skip. Learn how a solo 401k can combine employee and profit-sharing contributions toward a high annual limit, why a SEP IRA might fit certain team setups, and how a defined benefit pension plan can unlock six-figure, tax-deductible contributions for high earners. We also cover structure choices, salary versus distributions, and the low-hanging savings a good accountant will spot when you bring organized numbers and smart questions.If you're ready to stop scrambling and start saving, this conversation gives you the playbook: simple systems, clear roles for your bookkeeper and CPA, and proven strategies to keep more of what you earn. Subscribe, share with a founder friend, and leave a review with the tax question you want us to tackle next.Read more HERESupport the show

Episode 110 - Smart Strategies for Seniors - Steve is joined by Geoff Hoatson, CEO and founding attorney of Family First Firm, Florida's largest elder law firm, to guide seniors and families through the challenges of aging. Disclaimer: Please note that all information and content on the UK Health Radio Network, all its radio broadcasts and podcasts are provided by the authors, producers, presenters and companies themselves and is only intended as additional information to your general knowledge. As a service to our listeners/readers our programs/content are for general information and entertainment only.  The UK Health Radio Network does not recommend, endorse, or object to the views, products or topics expressed or discussed by show hosts or their guests, authors and interviewees.  We suggest you always consult with your own professional – personal, medical, financial or legal advisor. So please do not delay or disregard any professional – personal, medical, financial or legal advice received due to something you have heard or read on the UK Health Radio Network.

In this episode, we trade spreadsheets for trench coats and step straight into the shadows of Amazon PPC's darkest alleyways. What looks like “bad performance” or “great ACOS” at first glance? — rarely is.Together with Steve, we crack open five real PPC cases from the Miami field files:a suspicious drop in ACOS that wasn't what it seemed…a top-converting ASIN that suddenly vanished from the scene…a keyword framed for a crime it didn't commit…an auto campaign that went rogue overnight…and finally, the delicate, dangerous game of cutting branded spend.Each case reveals the same truth: great PPC managers aren't just optimizers — they're detectives.Welcome to The PPC Crime Scene Files!

Know what you own. Know the indicators that are important to stock price like MacD and RSI. Know the fundamentals of the stocks you own. Know if they have changed based on earnings and estimates. If none of that is worrisome - you're fine! Today's episode is all about - WE NEED A PULLBACK and more may be in store. But panic is not a strategy. BLACK FRIDAY SALES END SOON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER - Up to 68% off and 52 trainings for the next year. HUGE SALE saving you over $1,000. SEEKING ALPHA BUNDLE - Save over $200Seeking Alpha Premium - FREE 7 day trial Alpha Picks - Save $100 Seeking Alpha Pro - for the Pros EPISODE SUMMARY

Whether you're considering a big purchase, making investments, or just want to optimize your finances, this episode is packed with actionable advice to help you take control, plan ahead, and maybe even celebrate tax season like you've just won the Super Bowl.Welcome back to the Empowering Entrepreneurs Podcast! Glenn Harper and Julie Smith explore how proactive tax planning for entrepreneurs makes tax time stress-free—starting now! Instead of letting April 15th become a source of anxiety, they're here to show you how it can just be another day—with the right strategies in place.Glenn and Julie give you practical tips like maximizing your retirement contributions, mastering tax loss harvesting, leveraging donor-advised funds, and making the most of charitable giving. They also touch on new opportunities provided by recent tax legislation and remind you why staying connected with your advisor year-round is key to avoiding last-minute stress.This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Moments00:00 "Tax Planning for Smart Savings"05:24 CPA Guidance Starts With Input06:56 Proactive Tax Planning Tips09:29 Julie Smith Overview Here are 3 key takeaways:Start NOW: Waiting until April 15th is too late. Early conversations with your CPA or advisor set you up to leverage every tax benefit available and avoid last-minute stress.Maximize Your Planning: From retirement plan contributions and tax loss harvesting to charitable donation stacking, there are so many proactive moves you can make before year-end.Constant Communication is Key: Keep your advisor in the loop before making big decisions—from buying property to major purchases—so everything is set up for success, not cleanup.Glenn Harper, CPA, is the Owner and Managing Partner of Harper & Company CPAs Plus, a top 10 Managing Partner in the country (Accounting Today's 2022 MP Elite). His firm won the 2021 Luca Award for Firm of the Year. An entrepreneur and speaker, Glenn transformed his firm into an advisory-focused practice, doubling revenue and profit in two years. He teaches entrepreneurs to build financial and operational excellence, speaks nationwide to CPA firm owners about running their businesses like entrepreneurs, and consults with firms across the country. Glenn enjoys golfing, fishing, hiking, cooking, and spending time with his family.Julie Smith, MBA, is a serial entrepreneur in the public accounting space. She is the Founder of EmpowerCPA™, Founder of PureTax, LLC, COO for Harper & Company CPAs Plus, and Co-host of the Empowering Entrepreneurs podcast. Named CPA.com's 2021 Innovative Practitioner of Year, Julie led Harper & Company's transition to an advisory-focused firm, doubling revenue and profit in two years. She now empowers other CPA firm owners nationwide through consulting and speaking, teaching them how to run their businesses like entrepreneurs. Julie lives in Columbus, OH with her family and enjoys travel, coaching basketball, sporting events, and the occasional shopping spree.Running a business doesn't have to run your life.Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business.Stop letting your business run you. At Harper...

As we close in on year-end, this week's “Henssler Money Talks” tackles three financial decisions that can make a major impact on your long-term plan. First, before you write that last charitable check of 2025, make sure you're doing it strategically. We break down the evolving charitable giving rules—from updated deduction limits to how Qualified Charitable Distributions and Donor Advised Funds can help you give more efficiently. Whether you donate regularly or ramp up your giving at year-end, understanding these rules can help you maximize both your impact and your tax benefit. Next, we dig into a question many listeners are asking: Should you stop saving and pay off the mortgage before retirement? While being debt-free sounds great, it may leave you “house-rich and cash-poor.” We unpack the trade-offs, including how mortgage rates compare to long-term investment returns, the risks of cutting back on 401(k) contributions, and why carrying some debt into retirement may actually support your overall financial flexibility. Finally, we explore the recommended “order to savings”—and why it's not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 15, 2025  |  Season 39, Episode 46 Timestamps and Chapters 7:35: Smart Strategies for 2025 Charitable Contributions 21:32: Stop Saving to Pay Off the House? Let's Talk About It.26:58: Your Savings, Your Strategy: Where to Start 38:17: Shutdown Ends, Earnings Season and Selling NVIDIA Follow Henssler:Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/TikTok: https://www.tiktok.com/@hensslerfinancial?lang=enX: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

In today's show, Ken Raiss and I discuss the intricacies of wealth building and legacy planning.   We explore the importance of careful planning to avoid common pitfalls, the role of trusts in estate planning, and the implications of superannuation on wealth transfer.   The conversation also covers strategies for gifting wealth, the benefits of investment bonds, and the significance of philanthropy.   Finally, we provide actionable steps for individuals looking to start their legacy planning journey.   Takeaways  ·         Wealth building requires careful planning to avoid losses. ·         Timing is crucial in wealth transfer strategies. ·         Trusts can provide flexibility and tax advantages in estate planning. ·         Superannuation can complicate wealth transfer if not managed properly. ·         Gifting wealth during one's lifetime can have tax implications. ·         Investment bonds can be a tax-effective way to pass on wealth. ·         Philanthropy should be approached with specificity to ensure impact. ·         Legacy planning should start early, considering values and timing. ·         Consulting with financial experts can simplify complex decisions. ·         It's essential to communicate intentions clearly to avoid family disputes.     Chapters  00:00 Building a Legacy: The Importance of Planning 04:30 Wealth Transfer Strategies 09:42 Gifting Wealth During Lifetime 12:16 Superannuation: Friend or Foe? 17:15 Real Estate and Capital Gains Tax   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Michael Yardney   Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us    Ken Raiss, Director of Metropole Wealth Advisory   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/ 

In this episode, host Olivier Lafontaine speaks with Adrian Webb, Executive Chairman of OutcomePath, about the intersection of artificial intelligence (AI) and the insurance industry. Adrian breaks down how AI transforms insurance operations, from improving fraud detection to automating complex processes. He discusses the practicalities of scaling AI responsibly, weighing its opportunities and risks.  Adrian also explores the growing issue of deception in the digital age, sharing how linguistic analysis and AI can help companies detect fraud more efficiently. With insights into the future of the trust economy, he explains why the biggest challenge insurers face may not just be technological; it's understanding the human element in the rapidly changing world of AI.   Key Takeaways: AI as a Double-Edged Sword: Adrian discusses how AI can drive efficiency in the insurance industry but warns of the risks it introduces, especially in fraud detection and customer relationships. Detecting Deception with AI: Learn how linguistic analysis, combined with AI, can help identify fraudulent claims and improve accuracy in underwriting, all while maintaining human oversight. The Future of the Trust Economy: As AI evolves, Adrian highlights the growing importance of trust in a digital world and how companies can adapt to this shift to protect their business and customer relationships.   Jump Into the Conversation: (00:00) Meet Adrian Webb (02:12) How Adrian's journey in insurance led to exploring AI for fraud detection(04:13) The impact of AI on operational efficiency in insurance(06:57) Deception in the digital age: the challenges AI faces(10:45) Using linguistic analysis to spot fraud in claims(13:33) The role of AI in automating complex insurance processes(16:06) The trust economy: how AI is reshaping customer relationships(20:12) Balancing AI's risks with its potential benefits for insurers(25:39) Why AI can't solve all the problems in insurance(29:12) What's next for AI in insurance: efficiency, trust, and innovation Resources: Connect with Adrian Webb: https://www.linkedin.com/in/webbadrian/  Check out OutcomePath: https://www.outcomepath.co.uk/  Connect with Olivier Lafontaine: https://www.linkedin.com/in/olivierlafontaine/

Welcome educators!

Are you structuring your business the right way — or making costly mistakes that could be draining your profits? In this episode of the Main Street Business Podcast, Mat Sorensen and Mark J. Kohler team up to answer your questions on taxes, legal structures, and real-world strategies for small business success. Together, they uncover the truth about LLCs, S-Corps, and the $50K rule that determines when to make the switch.From transferring real estate into an LLC safely to understanding what truly qualifies as business income, this discussion covers the practical steps every entrepreneur should take to protect their assets, reduce taxes, and stay compliant. You'll also learn how to pay yourself properly, avoid due-on-sale issues, and maximize wealth through smart entity planning.If you're serious about building your business the right way and keeping more of what you earn, this is an episode you can't afford to miss!You'll learn:How to decide when it's time to convert your LLC to an S-Corp — and how the $50K rule really worksHow to transfer real estate into an LLC without triggering the due-on-sale clause or losing financing optionsThe difference between true business income and passive income (like royalties, rentals, and trading profits)How to pay yourself correctly as a business owner — and avoid IRS red flags with payroll, draws, and distributionsSimple bookkeeping and payroll strategies to stay compliant and ready for tax seasonHow to use smart entity structuring to protect your assets and save thousands in self-employment taxesPractical tips for maximizing retirement contributions through Solo 401(k)s and Mega Backdoor Roth strategiesGet a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_content=msbp597-smart-strategies-to-pay-yourself&utm_campaign=main-street-business-podcast Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Send us a textIf your marketing feels hit or miss — you're posting, showing up, maybe even running webinars — but the results aren't there… It's not the algorithm. It's the message.In Episode 97, Sylvia Garibaldi breaks down why no marketing channel works without content and how your message is the real force behind every result you see. If you've ever said, “Social media doesn't bring me business,”  this episode will change how you see content — not as extra work, but as the foundation that makes every other marketing effort work!In this episode, you'll learn:03:23 The Truth About Clear Messaging07:33 The Hidden Power of Content09:15  Visibility Meets Credibility12:01 The Compounding Effect of Consistency14:47 The Foundation Every Strategy Depends On16:44 Content In Motion20:02 Creating Effective ContentResources:Feeling stuck about how to grow your practice, book a free strategy call here.#14 Be Seen. Be Heard. Be Noticed: The Power of Personal Branding#21 Visibility Matters: Strategies to Stand Out#39 Smart Strategies to Repurpose Content and Boost Visibility#62 Attract Clients: The "Serve First" SecretRate, Review, & Follow on Apple Podcasts"Love listening and learning from the Serve First, Sell Later Marketing Podcast” If that sounds like you, please consider rating and reviewing my show! This helps me support more people -- just like you. Click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Want more insights like this? Sign up for our newsletter. Sign up for our free LinkedIn newsletter on marketing your professional practice Connect with me on linkedin Join our online community Subscribe to my youtube channel

Got an inherited IRA, or think you might someday? On this episode of Five Minute Finance, Matt Robison and Certified Financial Planner Mike Morton give you the no-nonsense playbook. You'll learn the nuances of the 10-year rule, how to build a simple distribution plan, and strategies for maximizing your inheritance. Don't pay more in taxes than is absolutely necessary. Make a plan. Find out more about Mike at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

Black Friday: Profit or Pitfall? The Retail Game Plan for Indie Brands Black Friday isn't designed for indies, so why do so many small retail business owners still feel pressure to play? In this episode of the Resilient Retail Game Plan, I pull you behind the screens and into the real numbers; sharing where the opportunities actually lie for UK product businesses come November, what the headlines miss, and how you can plan Black Friday on your own terms. No boss babe myths. No one-size-fits-all answers. Just straight-talking product business advice from 25 years in the retail trenches. I'll help you squeeze more margin, build customer loyalty, and avoid the stress spiral—whatever you decide about Black Friday.Why listen? Flip mainstream Black Friday thinking and capture the month's biggest wins—for your bottom line and your valuesSqueeze more profit from your Q4, not just turnoverTame your promotions calendar, reduce customer “discount fatigue”Reward loyal customers in a way that fits your brandUse cash flow for retailers and inventory management podcast tactics to plan stock (not just hope for the best)Hear exactly how successful indie retailers choose, pace, and communicate their Black Friday offers—without losing themselves in the noiseDM me @resilientretailclub on Instagram with your Black Friday takeaways or guest ideas for the podcast. If this episode clears the fog, rate and follow the show in your favourite retail podcast UK app.

962. Laura reviews strategies to reduce or avoid debt during the last quarter of the year and still have a bright holiday season.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I tackled some of the most common and pressing questions I've received from listeners, prospective clients, and current clients at Retire Strong Financial Advisors. These questions are all centered around one big theme: preparing for retirement with clarity and confidence. Whether you're wondering about old 401(k)s, required minimum distributions (RMDs), or how to structure your retirement income, we covered a lot of ground. One of the first things I addressed was the new government resource for tracking down forgotten retirement accounts: LostAndFound.dol.gov. If you think you might have an old 401(k) or pension from a previous employer, this secure database can help you locate it. If you're nearing retirement, it's crucial to understand how RMDs work, what your contribution limits are, and whether your plan provider supports the latest updates, such as the changes from the SECURE Act 2.0. Always check with your financial advisor or plan administrator to make sure you're making the most of your options. Social Security questions came up a lot, too. I discuss survivor benefits for ex-spouses, how to correct errors in your earnings record, and what happens if you're working while collecting benefits. If you're past full retirement age and no longer need the income, you can even suspend your benefits to earn delayed retirement credits. And if you inherit an IRA or Roth IRA, you're not stuck with your parents' financial institution, as you can transfer those assets to a custodian of your choice. Finally, I revisited the bucket strategy. This is a framework we use at our firm to help clients organize their retirement savings. Bucket One is your emergency fund, Bucket Two is your income bucket for regular withdrawals, and Bucket Three is your growth bucket for long-term investing.  Matching your account types (Roth, after-tax, and pre-tax) to the right buckets is key. Understanding how much you have in each type of account is the first step. Everyone's situation is different, but the strategy gives you a roadmap to make smarter decisions and build a retirement plan that fits your life. You will want to hear this episode if you are interested in... (00:00) Intro. (03:40) How to find old retirement accounts. (11:40) Common Question on Social Security. (19:30) How to get your money out of life insurance policies. (22:50) How the Bucket system works for you. Helping Those Close to Retirement Navigate their Accounts One major topic I covered was how to track down forgotten retirement accounts like old 401(k)s or pensions, especially if you're unsure whether the funds are still active. I introduced a helpful new tool, LostAndFound.dol.gov, a secure government database created under the SECURE Act 2.0, which allows you to search for lost employer-sponsored retirement plans. I also covered the rules around required minimum distributions (RMDs), which kick in at age 73. If you're still working and contributing to your current employer's 401(k), you may be able to delay those RMDs, but IRAs don't offer that flexibility, and distributions must begin regardless of employment status. On the contribution side, I explained that in 2025, the standard 401(k) limit is $23,500, with an additional $7,500 catch-up for those 50 and older, totaling $31,000. For those aged 60 to 63, a new “super catch-up” provision allows an extra $11,250, though many plan providers haven't yet updated their systems to support it.  Smart Strategies for Navigating Social Security In this episode, we also cover questions that focus on survivor benefits, earnings corrections, working while collecting, and voluntary suspension, all aimed at helping retirees make informed, strategic decisions. Another common issue is incorrect earnings records; since Social Security benefits are based on your top 35 earning years, it's crucial to fix any errors within three years, three months, and 15 days of the year the wages were paid. I also clarified that working while collecting Social Security can actually increase your benefit if those earnings replace lower years in your record. However, if you're under full retirement age and earn more than $23,400, your benefit could be temporarily reduced. Lastly, I explained that if you inherit an IRA and no longer need Social Security income, you can file a voluntary suspension to earn delayed retirement credits and potentially reduce your tax burden.  What is the 3 Bucket Strategy? The 3 Bucket System is a retirement strategy that divides your savings into three categories: emergency fund, income, and growth. Bucket One holds liquid, after-tax money for unexpected expenses like medical bills or home repairs. Bucket Two provides a steady income through withdrawals from retirement accounts, often funded with pre-tax assets like IRAs and 401(k)s. Bucket Three focuses on long-term growth to combat inflation, typically using Roth accounts and investments with higher risk tolerance.  Matching your account types to the right buckets helps create a balanced, tax-efficient retirement plan tailored to your needs. Resources & People Mentioned Retirement Replay: The Bucket Strategy, Ep #72 - RetireStrong Financial Advisors 3 Steps to Retirement Planning Retirement Savings Lost and Found Database | Employee Benefits Security Administration Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

As we hit our 40s and beyond, the game changes, and it's no longer about chasing ego but about channeling energy smartly. After working with countless athletes, I've seen the same cycle repeat: pushing like you're still in your 20s, sidelining recovery, neglecting nutrition, and sidelining strength training as if it's an unwanted homework assignment. And the result? Injuries, burnout, and identity crises. But here's the transformative truth: energy is your greatest asset, not your ego. As we age, we gain something invaluable—self-knowledge and wisdom. This episode invites you to harness the power of experience, turning past lessons into a roadmap for maximizing performance and sustaining a fulfilling athletic journey. Join us as we dismantle the myth that age equals decline and explore how to optimize performance in the master's category. We offer a fresh perspective on understanding human limitations and adapting strategies that empower rather than deter. Insights from the Endurance Station highlight the mantra "energy over ego," guiding us through the four pillars of mastering endurance. Whether you're competing against others or striving for personal bests, this episode provides a strategic advantage to redefine athletic goals. Tune in to rediscover the joy in competition and the art of using energy wisely to achieve lasting results.

Should you invest actively or stick with indexing? Lance Roberts & Jonathan Penn break down five different strategies investors use to build wealth, reduce risk, and stay ahead of the market. From active stock picking to index fund simplicity, we'll explore the pros, cons, and real-world applications of each approach so you can better understand how they fit into your financial plan.

Should you invest actively or stick with indexing?  Lance Roberts & Jonathan Penn break down five different strategies investors use to build wealth, reduce risk, and stay ahead of the market. From active stock picking to index fund simplicity, we'll explore the pros, cons, and real-world applications of each approach so you can better understand how they fit into your financial plan.

In this episode of Rhee Gold's Dance Life Podcast, Rhee Gold and Stacey Morgan dive into the busy season of studio registration and why it's crucial not to panic if your enrollment numbers aren't where you'd hoped—yet. This candid conversation explores how the dance studio business has evolved, and why September and October can be just as critical for attracting new students as the traditional registration period. You'll learn how to analyze your schedule using the red-yellow-green method, how to market specific classes (not just your studio), and how to adapt to the modern needs of dance families who value convenience and clarity. They also share actionable strategies like simplifying your registration process and building smart landing pages that convert browsers into enrollments. Whether you're a studio owner or a dance teacher, this episode is packed with insight, encouragement, and practical tools to help you confidently navigate the early season and beyond.

Finding a job in today's economy can feel overwhelming, but you don't have to face it alone. With interest rates remaining high and the job market slowing, this is a strategic moment to refresh your job search. By combining diligence, adaptability, and prayerful preparation, you can approach this season with confidence rooted in God's wisdom.Proverbs 27:12 reminds us: “The prudent sees danger and hides himself, but the simple go on and suffer for it.” Preparation matters—not just in life but in your job search. With the right approach, you can steward your time, skills, and relationships wisely while trusting God to guide your steps.A great place to start is your resume. Applicant Tracking Systems (ATS) filter applications before a human ever reviews them, so tailoring your resume to each job description is essential. Use specific keywords, highlight measurable results, and connect your experience directly to the role. Think of it as stewardship—presenting your God-given abilities thoughtfully and effectively.Building Relationships That Open DoorsEven in a digital age, networking is still king. Studies show up to 85% of jobs are filled through referrals, and many roles are never posted publicly. Reconnect with colleagues, reach out to mentors, and don't overlook your church community. Genuine, relational conversations—built on curiosity rather than transaction—often lead to opportunities you couldn't find otherwise.Employers are also seeking adaptable learners. Developing skills in areas like AI, digital communication, or project management shows you're willing to grow. Affordable platforms like Coursera, edX, and Google Career Certificates make it easy to build new skills that employers value.Standing Out in a Digital WorldYour online presence is often the first impression an employer has. More than 70% of hiring managers review social media profiles, and nearly half say what they find influences their decision. Clean up questionable content, complete your LinkedIn profile, and stay active with thoughtful updates. Treat it as your digital business card—when you remain visible, opportunities are more likely to find you.Interviews have also shifted online. Prepare your space, dress professionally, and look into the camera to build connection. Small details—like lighting, posture, and a thank-you note afterward—leave a lasting impact.Trusting God in the ProcessA slowing job market can stir up fear, but Philippians 4:6–7 offers comfort: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.”Preparation and diligence matter, but so do prayer and trust. God orders your steps. Every interview, every connection, and every opportunity is part of His greater story for your life. Search faithfully, not fearfully, knowing He is your ultimate provider.On Today's Program, Rob Answers Listener Questions:What is the statute of limitations for a collection agency to pursue a debt I still owe?I'm thinking about applying for Social Security Disability because of a physical condition from my recent job. What are the advantages and disadvantages of doing that?I still owe $31,000 on my mortgage, but I've been paying an extra $2,000 each month. A friend told me I shouldn't rush to pay it off. What's your advice?I'm 70 years old and live in a busy part of Chicago. Due to my age and zip code, I'm being charged very high rates by insurance companies. Is that legal, and what can I do to get the best coverage for my money?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Policygenius | NerdWallet | Insurify | The ZebraCoursera | edX | Google Career Certificates | LinkedIn LearningConsumer Financial Protection BureauWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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.

Finding a job in today’s economy can feel overwhelming, but you don’t have to face it alone. With interest rates staying high and the job market showing signs of slowing, now is the time to refresh your job search strategy. On the next Faith & Finance Live, Rob West explores proven tips to help you navigate this season with wisdom and confidence. Then, it’s on to your calls. That’s Faith & Finance Live—where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In today's episode,  we'll break down practical steps you can use right now to build wealth and grow a massive bank account.Paris Cluff is a former financial advisor turned financial educator and coach. He has been in the financial industry for 25 years. He loves helping couples and families turn their income into wealth and build massive bank accounts.He is a husband of 28 years, a father of 5 with 2 sons-in-law. So not only does he have professional experience helping people with their everyday money, he also has significant experience with running his own finances and having a successful marriage and family life.He believes we should all act as the CFO of our homes so we can have and build financial freedom.Connect with Paris Here: https://www.instagram.com/pariscluff/https://www.youtube.com/@FinancialSelfReliancehttps://www.linkedin.com/in/pariscluff/https://x.com/ParisCluffhttps://www.tiktok.com/@pariscluffhttps://www.facebook.com/pariscluffhttps://pariscluff.com/Grab the freebie here: https://pariscluff.com/freebook===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Financial Freedom & Wealth  Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

Despite making insurance decisions almost daily, many retirement savers don't truly understand what they're buying or why they need it. In today's episode, I'm breaking down life insurance into simple, actionable terms. Specifically, I'm sharing: ‣ The 3 essential steps to managing insurable risks ‣ The key differences between term and permanent life insurance ‣ The exact questions to ask yourself before buying (or hanging onto) any policy  I'm also sharing a few little-known facts and tips to help you properly evaluate options you may be considering. Even if you think you know everything about life insurance as it relates to your retirement plan, today's episode will provide valuable and important reminders as you continue managing your ongoing insurance needs. *** SCHEDULE A RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement's biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you're seeking clarity and a proven retirement planning process, we'd be honored to help.

Life insurance isn’t just for when you’re working—it can be a powerful tool in retirement. In this episode of Protect Your Assets, host David Hollander, The Sandman, breaks down whether retirees should keep their life insurance policies, how required minimum distributions (RMDs) can be converted into tax-free wealth for heirs, and why today’s interest rate environment may offer opportunities to upgrade existing coverage. You’ll also learn: The key differences between term and permanent life insurance in retirement. How life insurance can supplement retirement income and provide long-term care benefits. Strategies for using life insurance to offset taxes, protect your spouse, or strengthen your estate plan. Tips for qualifying for coverage after age 65 and why underwriting rules matter. Whether you’re approaching retirement or already there, this episode will help you evaluate your current policies, uncover hidden value, and decide if life insurance still belongs in your financial plan. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Planning for your child's college education can feel overwhelming, especially when faced with skyrocketing tuition costs and countless savings options. This week on the show, we're discussing the question of exactly how much you should save in a 529 college savings plan. Outline of This Episode [00:00] Decide your college funding goal before saving in a 529 account. [02:06] An overview of college costs. {02:35] Advantages of the 529 Plan. [03:54] Weighing college savings vs. retirement savings. [05:31] What happens if I save too much?  [07:35] Expanded legislation as part of the OBBB. ***********

Life insurance isn’t just for when you’re working—it can be a powerful tool in retirement. In this episode of Protect Your Assets, host David Hollander, The Sandman, breaks down whether retirees should keep their life insurance policies, how required minimum distributions (RMDs) can be converted into tax-free wealth for heirs, and why today’s interest rate environment may offer opportunities to upgrade existing coverage. You’ll also learn: The key differences between term and permanent life insurance in retirement. How life insurance can supplement retirement income and provide long-term care benefits. Strategies for using life insurance to offset taxes, protect your spouse, or strengthen your estate plan. Tips for qualifying for coverage after age 65 and why underwriting rules matter. Whether you’re approaching retirement or already there, this episode will help you evaluate your current policies, uncover hidden value, and decide if life insurance still belongs in your financial plan. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Don't forget to grab your free book! www.TheMichaelBlank.com/QRPMost people don't know this—but you can invest your IRA or 401(k) in real estate instead of leaving it trapped in mutual funds. In this episode, I'm joined by Damion Lupo, founder of eQRP, to explain exactly how to unlock your retirement savings and use them to invest in apartments, storage, and more. We walk through the process step-by-step, dispel common myths, and show you how to avoid one of the biggest tax traps most investors don't even see coming: UBIT. Whether you're a passive investor or a GP raising capital, this is a must-listen.Key TakeawaysWhy Most Investors Don't Know About ThisFinancial advisors don't promote these options because they lose fees when you take control.Most investors have old 401(k)s or IRAs they've forgotten about—but those funds are eligible for self-direction.Online platforms like Schwab and Fidelity won't show you the option to invest in real estate—you have to know to ask.How Self-Directed Accounts Actually WorkSelf-directed IRAs and solo 401(k)s give you full control—you can invest in real estate, crypto, gold, and more.The right setup gives you checkbook control and removes delays caused by custodians.Solo 401(k)s (like EQRPs) offer faster transactions, better flexibility, and fewer limitations than traditional IRAs.The UBIT Tax Trap—and How to Avoid ItUsing leverage in real estate deals inside a self-directed IRA can trigger UBIT—up to 40% in surprise taxes.Solo 401(k)s are exempt from UBIT, even in leveraged deals.You can convert from an IRA to a solo 401(k) before the deal sells to avoid the tax completely.Smart Strategies for Passive and Active InvestorsPassive investors can use these accounts to invest in syndications—earning tax-free or tax-deferred returns.Active investors (GPs) can raise more capital by educating others on how to invest through their retirement accounts.Damion's team offers tools like books, webinars, and white-glove onboarding to help GPs guide investors through the process.Rules, Limits, and Legacy PlanningYou can't use these accounts to buy personal assets, rehab your own property, or benefit directly from the investment.You can borrow up to $50K from your solo 401(k) for any reason and pay yourself back—with interest you choose.Setting up retirement accounts for parents or family members can create powerful tax-free legacy wealth.Roth solo 401(k)s allow real estate investing with leverage and no taxes on gains—making them the most powerful tool in the tax code.Connect with Damion LupoGET A FREE BOOK www.TheMichaelBlank.com/QRP Connect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)

This week, we're tackling a little bit of everything event professionals deal with—from whether money really buys happiness to how formal RFPs are changing, tips for asking for and giving referrals, and when you absolutely need a contract. We also answer a listener question about getting booked without a formal agreement and share our go-to strategies for managing workload as event pros.Whether you're a planner, producer, or director, this episode is packed with practical insights you can use right away.SHOW NOTES:Register for the 2025 Better Events Conference (Oct. 1st & Dec. 18th): https://app.swapcard.com/login/event/2025-better-events-conference/registrationLearn more about the conference: https://bettereventspod.com/conferenceWant our updated free run of show template? Send us an email at bettereventspod@gmail.comJoin the paid Better Events Community: https://bettereventspodcast.substack.com/Buy Us a Coffee Link: https://www.buymeacoffee.com/bettereventspodTHANKS FOR THE LOVE! Love this podcast? Please share with your event friends, tag us, and leave a review!Leave us a rating on Spotify: https://open.spotify.com/show/04ivq77TMgF5HhJHJOMe1VLeave us a review on Apple Podcast: https://podcasts.apple.com/us/podcast/better-events/id1561944117——FOLLOW US ON INSTAGRAM:@bettereventspod@loganstrategygroup_events (Logan)@epeventsllc (Mary)

https://sustainablepackaging.org/events/It was so much fun and a true honor to get to interview my friend Olga Kachook As the Director of the Sustainable Packaging Coalition she has a lot on her plate and is doing amazing work. More than just events they are working to solve a lot of sustainability issues and make things even smoother for consumers and business who are trying to do the right thing. Contact Us at Atlantic Packaging Today for Smart Strategies, Sustainable SolutionsInnovative Packaging you can trust for over 75 years! https://www.atlanticpkg.com/ https://anewearthproject.com/pages/our-story https://podcasts.apple.com/us/podcast/packaging-today-show/id1656906367Join Us Live Daily on LinkedIn Or YouTube or listen at your leisure on Apple or Spotify Packaging Today Podcast https://open.spotify.com/show/6dksVwqEFVDWdggd27fyFF?si=e924995740f94e19https://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

In this episode, we dive deep into branded campaigns on Amazon PPC with Mike Danford from Adverio. Many clients run 30–70% of their budget on branded spend, but SQPD works differently — it helps you calculate your real share and spot cannibalization.We break things into buckets like branded search, product defense, and placements, use dashboards and incrementality scores, and even show tricks like looser targeting to land on competitor pages cheaper.A quick screenshare later shows how to pull a search term report, clean it up, and optimize spend step by step.We'll see you in The PPC Den!

https://www.metsagroup.com/metsaboard/Is paper more sustainable than other packaging materials? Thank you again kristen.clark@metsagroup.com Contact Us at Atlantic Packaging Today for Smart Strategies, Sustainable SolutionsInnovative Packaging you can trust for over 75 years! https://www.atlanticpkg.com/ https://anewearthproject.com/pages/our-story https://podcasts.apple.com/us/podcast/packaging-today-show/id1656906367Join Us Live Daily on LinkedIn Or YouTube or listen at your leisure on Apple or Spotify Packaging Today Podcast https://open.spotify.com/show/6dksVwqEFVDWdggd27fyFF?si=e924995740f94e19https://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

After a short break, Hal Sweasey is back alongside John Turner, diving into the latest trends shaping our market. In this episode, you'll hear why smart pricing strategies matter more than ever, what it means that 61% of local homes are selling in 30 days or less, and how reverse offers can help sellers win big. We'll unpack inventory shifts, and why Real Estate is a constant when it comes to being inflation resistant in today's climate. Welcome back Mr. Sweasey… Text your questions to 805-244-1170 or call Team Sweasey at 805-781-3750. Subscribe to Team Sweasey on YouTube @halsweasey for quick tips and full episodes of the SLO County Real Estate Podcast with Hal Sweasey. A production of AGM Podcasts California DRE #01111911

In this episode of Building Better Developers with AI, hosts Rob Broadhead and Michael Meloche revisit another one of their popular topics: developer performance. Originally explored in the episode “Supercharge Your Focus and Productivity – Expert Tips for Success,” the discussion now receives an AI-powered refresh, bringing new insights into how developers can enhance their output, sustain energy, and prevent burnout. Why Developer Performance Is Harder Than Ever Distractions have only increased since the original discussion. Slack messages, meetings, and endless browser tabs compete for attention. As Rob points out, context switching drains productivity, and remote work piles on additional interruptions. The bottom line? Sustained developer performance is more challenging than ever, and it requires intentional strategies to conserve time and energy. Developer Performance Habits That Work The hosts highlight proven methods that still deliver results today: The Pomodoro Remix – Rob adapts Pomodoro into 45-minute deep work sprints paired with Brain FM playlists. The payoff: completing tasks in nearly half the time. Digital Fences – Blocking out email, Slack, and app notifications creates essential uninterrupted focus. Energy Mapping – Michael emphasizes tracking your natural highs and lows throughout the day to tackle demanding tasks when your brain is sharpest. Developer performance isn't about working longer—it's about aligning your work with your natural rhythms. Developer Performance Hacks You Haven't Tried Yet AI introduced new tactics that extend beyond the original discussion: Single-Tab Coding – Limit yourself to one task, one tab, and one flow to reduce distractions. Micro-Deadlines – Break big projects into smaller deliverables to keep momentum steady. Code Music Playlists – Experiment with playlists or white noise to match your coding flow. Michael even points out Mac's built-in background sounds as a quick win for blocking noise without extra tools. Protecting Developer Performance From Burnout Performance isn't sustainable without recovery. Rob emphasizes the 90% rule: always leave some energy in the tank for tomorrow. He also recommends using breaks for side projects, reading, or exercise to recharge. Michael adds that mindset plays a critical role. Starting the day with negative news or stressful emails can quickly drain your energy. Instead, begin with positive routines, check your mental state regularly, and unplug from devices at night. Protecting your energy is the ultimate developer performance hack. Burnout prevention keeps you sharp long-term. Final Takeaway: Developer Performance Is a Rhythm Revisiting Supercharge Your Focus and Productivity proves that while tools and technology evolve, the fundamentals of performance remain the same. Rob and Michael remind us that developer performance isn't about squeezing out more hours—it's about adopting smarter habits, practicing intentional rest, and maintaining sustainable rhythms. By experimenting with Pomodoro sprints, energy mapping, and digital fences, you can achieve more while protecting your well-being. Challenge for You Pick one developer performance hack this week—whether it's micro-deadlines, single-tab coding, or extended Pomodoro sprints—and track how it impacts your output. Minor adjustments often yield the most significant results. Stay Connected: Join the Developreneur Community We invite you to join our community and share your coding journey with us. Whether you're a seasoned developer or just starting, there's always room to learn and grow together. Contact us at info@develpreneur.com with your questions, feedback, or suggestions for future episodes. Together, let's continue exploring the exciting world of software development. Additional Resources Keep Focus On The Important Things – Interview With Pranay Parikh Essential Habits for Software Developers: Boosting Productivity and Career Growth Focus is the Key To Success (and Maybe Happiness) Increasing Productivity and Quality With Proper Tools The Developer Journey Videos – With Bonus Content Building Better Developers With AI Podcast Videos – With Bonus Content

Join Us this November 10-12 / 2025 https://www.packagingsummit.earth/2025Save 20% with CORYC20 as your code! A MUST ATTEND EVENT! See you there. Contact Us at Atlantic Packaging Today for Smart Strategies, Sustainable SolutionsInnovative Packaging you can trust for over 75 years! https://www.atlanticpkg.com/ https://anewearthproject.com/pages/our-story https://podcasts.apple.com/us/podcast/packaging-today-show/id1656906367Join Us Live Daily on LinkedIn Or YouTube or listen at your leisure on Apple or Spotify Packaging Today Podcast https://open.spotify.com/show/6dksVwqEFVDWdggd27fyFF?si=e924995740f94e19https://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

Daniel K. Berman, PhD is the founder of CollegeSolutionsUSA, a college admissions coaching firm dedicated to guiding students through the complexities of higher education applications. A Harvard graduate with more than 30 years of experience in college admissions coaching, he has authored several books and earned hundreds of five‑star client reviews. Formerly a college instructor, Dr. Berman leverages an engaging and encouraging coaching style to empower applicants and their families with the insider knowledge needed for successful college and graduate school admissions. youtube.com+3linkedin.com+3linkedin.com+3.www.podcastreallife.comWebsite: BestPersonalStatements.comEmail: danielkberman@alumni.harvard.edu (Write: “Matchmaker sites” in the Subject line.)Kindle eBook: How to Write Winning College Application Essays16personalities.com Get full access to Melvin E. Edwards at storiesfromreallife.substack.com/subscribe

Demo Day for the International Fresh Produce Association new fresh Field Catalyst Date: Wednesday, August 20, 2025Time: 9:30 AM – 4:00 PM PTLocation: Taylor Building, 150 Main Street, 3rd Floor, Salinas, California, USALearn more about the Fresh Field Catalyst program and this year's cohort here.https://www.freshproduce.com/resources/technology/fresh-field-catalyst/Reach Out To : https://www.linkedin.com/in/vonnieestes/Contact Us at Atlantic Packaging Today for Smart Strategies, Sustainable SolutionsInnovative Packaging you can trust for over 75 years! https://www.atlanticpkg.com/ https://anewearthproject.com/pages/our-story https://podcasts.apple.com/us/podcast/packaging-today-show/id1656906367Join Us Live Daily on LinkedIn Or YouTube or listen at your leisure on Apple or Spotify Packaging Today Podcast https://open.spotify.com/show/6dksVwqEFVDWdggd27fyFF?si=e924995740f94e19https://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

Inflation is squeezing margins across every corner of the spa industry - from skincare products to payroll. But there's a smarter way forward. In this episode of Spa Marketing Made Easy, Daniela walks you through five proactive strategies to stay profitable, intentional, and allows you to cut costs without cutting the experience: Know your true cost-per-treatment and key KPIs Raise prices confidently without fear Build $10K+/mo in recurring revenue with memberships Streamline operations and get back 20-30% of your time Reduce payroll costs by up to 25% by training your team on AI Tune in to reframe inflation as opportunity—not obstacle—and learn how to emerge stronger than ever. What you'll learn during this episode: The essential financial metrics every spa owner must track Pricing psychology and when to say goodbye to low-profit clients Membership structures that deliver breathing room for CEOs Practical cost-cutting strategies that don't affect experience How to empower your team to use AI   Keep the conversation going inside the Spa Marketing Made Easy Community by clicking here. IG / @addoaesthetics WEB / addoaesthetics.com YOUTUBE / @addoaesthetics LINKEDIN / @addoaesthetics   ABOUT THE SPA MARKETING MADE EASY HOST      Daniela Woerner is the founder and CEO of Addo Aesthetics, a leading community for aesthetic professionals, and the creator of the Growth Factor® Framework—a proven system that has helped 582 six- and seven-figure spa owners scale their businesses with strategy and systems. With nearly two decades in the aesthetics industry, Daniela has trained alongside top physician-dispensed brands, consulted with leading dermatologists, and helped thousands of spa professionals streamline their operations and maximize profitability. Her mission? To transform overworked aesthetic professionals into Spa CEOs - building a business and life they love with the strategic systems needed for long-term financial growth. As the host of the Spa Marketing Made Easy podcast, Daniela brings expert insights, real-world strategies, and in-depth conversations to help spa owners elevate their marketing, optimize their operations, and create sustainable success. With over 400 published episodes, 1 million+ downloads, and a ranking in the top 1% of all podcasts worldwide, Spa Marketing Made Easy is the go-to resource for spa and aesthetic professionals looking to level up. Tune in each week for actionable strategies, expert interviews, and inspiration to help you build a thriving, systemized, and scalable spa business!    

Can Beth and Rip retire early, spend more, and Die with Zero? When should they claim Social Security? Forrest and Jenny have 10 rental properties at age 31. Can they retire at age 50? (And what makes you a real estate professional from a tax perspective?) Plus, what are the rules for spousal IRA contributions and required minimum distributions? Memphis wants to know. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW audience members who are definitely not fictional characters, today on Your Money, Your Wealth® podcast number 540. Free financial resources & episode transcript: https://bit.ly/ymyw-540 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps: 00:00 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 00:35 - Intro: This Week on the YMYW Podcast 01:13 - Can We Retire Early, Spend More, and Die With Zero? When Should We Collect Social Security? (Beth and Rip, FL - voice) 12:06 - Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV Calculate your Financial Blueprint Schedule a Free Assessment 13:41 - We Have 10 Rental Properties at Age 31. Are We on Track to Retire at Age 50? (Forrest and Jenny, Cherry Hill, NJ - voice) 20:04 - Spousal IRA Contributions and RMD Rules (Memphis) 32:23 - YMYW Podcast Outro