Podcasts about spending

President Biden and Amazon CEO Jeff Bezos get into a Twitter spat over the White House plan to whip inflation now by jacking up taxes on the rich and spending trillions of dollars more. Scott Ott, Stephen Green and Bill Whittle create 260 new episodes of Right Angle each year thanks to our Members. When you join, you meet a legion of committed conservatives by unlocking exclusive features of our site. Find out more and become a Member when you click the big green button at https://BillWhittle.com If you wish to donate right now without becoming a Member, use the big blue button to make a one-time or recurring donation with PayPal or credit card. Thank you.

I spent a day in neutral. That's the way it felt anyway. A better way to describe my experience is that I was fully present.

Rahul Tandon looks at changing attitudes to defence spending following Russia's invasion of Ukraine. There have been new funding commitments from countries like Germany, while Sweden and Finland now want to join NATO, but what's the true cost? We speak to Estonia's defence minister Kalle Laanet about his country's growing military budget, and German member of the European Parliament Viola Von Cramon Taubadel on her country's decision to spend more. Dr Diego Lopes Da Silva, a researcher with the Stockholm International Peace Research Institute, says global spending reached a record level of $2 trillion in 2021, before the invasion of Ukraine. Steven Zaloga, a military analyst at the Teal Group, explains the role of cutting edge drone technology, and Allison Pytlak from the Women's International League for Peace and Freedom discusses the human cost of conflict. Presenter: Rahul Tandon Producer: James Graham Photo: Ammunition in a shopping trolley (Credit: Getty Images)

Labor reveals it'll add billions more to government debt than the Coalition in the short term, insisting cuts to waste and mismanagement will eventually repair the budget. The unemployment rate ticks down even further, but it's rising for younger Australians who are fighting for a fair go in the jobs market. Part one of our pre-election policy guide - what voters need to know about climate, housing and tax policy. A virus has leapt from animals to humans and is spreading across the world, why Monkeypox is causing concern.

Do you find that it's harder to stay on track with your budget and keep your spending in check during the summer months? You might even be going into the season with a good hold on your finances, a budget that's been working for you, and a money routine that helps you stay on track. But by the end of the summer, all the vacations, summer outings, new patio furniture, and new summer wardrobe for the family has caught up to you. You're left with a massive amount of guilt hanging over you along with a large credit card bill to reinforce that feeling. I've been there. My husband and I had the summers off from teaching, meaning we had a lot more time on our hands to spend money. If you can relate, this episode is for you! I'm going to be sharing the 4-step framework to help you avoid going overboard with your spending by creating a plan for your summer money. I'll also be showing you exactly how you can free up money in your budget to be able to adjust for summer fun!Enjoying the podcast? Make sure to subscribe & leave a review!Follow Allison on Instagram! @inspiredbudgetResourcesWant to learn how to budget? Click here to take this FREE budget class Get the full show notes here on the blog!

Lauren Greutman was a drug addiction specialist and counselor. When addressing her own personal finances, she realized that she showed similar characteristics when it came to spending. Is spending your drug of choice? It was Lauren's. Listen how she bounced back. 

Want to avoid mistakes in Long Distance Investing?  Download your FREE document at http://keeponcashflow.clickfunnels.com/7mistakes  Going Long Podcast Episode 213: How Brilliance on Broadway can Lead to  Your Investing Success In the conversation with today's guest, Matt Picheny, you'll learn the following:   [00:30 - 04:35] Show introduction with comments from Billy. [04:35 - 08:19] Guest introduction and first questions. [08:19 - 19:07] The backstory and decisions made that led Matt to this point in his journey. [19:07 - 25:34] How Matt came to get into Real Estate investing in a major way despite not coming from a R.E.I. background. [25:34 - 29:42] What it was like to go from investing in smaller units to much larger scale multifamily properties. [29:42 - 33:14] The story of how Matt came to create and publish his own bestselling book on investing.   Here's what Matt shared with us during today's conversation:    Where in the world Matt is based currently: Brooklyn, New York. The most positive thing to happen in the past 24 hours: Spending time with his kids!  Favourite European City: Barcelona, Spain. A mistake that Matt would like you to learn from so that you don't have to pay full price: Persistence is the key to success! Book Recommendations: Principles for Dealing with the Changing World Order, by Ray Dalio.  Be sure to reach out and connect with Matt Picheny by using the info below:   Website: https://picheny.com/  To see the Video Version of today's conversation just CLICK HERE.   How to leave a review for The Going Long Podcast: https://youxccbxtu.be/qfRqLVcf8UI    Start taking action TODAY so that you can gain more Education and Control over your financial life.   Do you want to have more control and avoid the mistakes that I made getting started in long distance investing?  Then you can DOWNLOAD the 7 Mistakes to Avoid in Long Distance Investing Guide by clicking HERE.   Be sure to connect with Billy!  He's made it easy for you to do…Just go to any of these sites:   Website: www.billykeels.com Youtube: billykeels Facebook: Billy Keels Fan Page Instagram: @billykeels Twitter: @billykeels LinkedIn: Billy Keels

If you've checked your 401(k) today, you've probably been pretty depressed. What is behind Wall Street's major sell off? Investopedia Editor-in-Chief Caleb Silver talks with Boyd about whether this a blip or a sign of longer term problems in the economy. See omnystudio.com/listener for privacy information.

End of school traditions. Beer prices. Spending vs saving. Congressman Pete Sessions's weekly Washington update.

Are you currently trying to improve your health and gain more energy, but assume that you need hours of cardio to achieve it? If so, this one is for you! We chat about two SIMPLE ways that you can hit your goals. SPOILER: no HIIT training or endless cardio involved. Follow along and join the Nursing Co-op community on Instagram @ashley_nursingcoop and on Facebook in The Nursing Co-op Huddle! We would love to see you there! As always, message me with any feedback, comments, or questions on Instagram, or shoot me an email at thenursingcoop@gmail.com. Happy Nursing!

When it comes to the subject of faith, the church, and money, too often the images that come to mind aren't exactly positive. Today on CFO at Home Vince talks with Scott LaPierre, a Pastor who is dedicated to teaching sound, practical biblical money principles through his sermons, podcast, blog, and most recently his new book, Your Finances God's Way, A Biblical Guide to Making the Best Use of Your Money. Check out the conversation where we discuss Scott's views on the bedrock financial topics of spending, saving, debt, and more. Key Takeaways Developing healthy savings and spending habits involves balance and wisdom Sacrifices may be needed for a season of life to meet long-term financial goals, but that doesn't necessarily mean a lifetime of denial Budgeting can reveal wasteful and even unintentional spending that can be applied towards savings  Managing your finances well is a wisdom issue. It's determining how best to spend your money by applying the knowledge that you have.  In order to be wise with your finances, you have to be knowledgeable.  Having  knowledge but not applying it is the biblical definition of behaving foolishly Debt Scott is married, has 9 kids, has supported his family on a single income (as a teacher or pastor) and has no debt. Given that his professions have not been high-income, his belief that it is possible to live a fulfilling life without debt is rooted in personal experiences.  Believes with careful planning and sacrifice, debt (even mortgage debt) can be avoided Resources Your Finances God's Way: A Biblical Guide to Making the Best Use of Your Money Ways to contact/follow: Scottlapierre.org Scott Lapierre - Youtube Scott Lapierre - Facebook Contact the Host - vince@thecfoathome.com  

On this episode, Arthur Miguez joins KT and Kellen to talk about how he has managed to grow his business in a down market. Arthur also talks about how he got started and what he focuses on to help him stand out. 3:00 Intro to Arthur9:15 What actions allow you to be up in production13:52 Advice to stuck LOs19:20 Challenges of creating processes Quotes:“Being an assistant was probably the best thing that ever happened to me, because it allowed me to speed up my learning curve.”“My biggest challenge wasn't getting the business,  it was managing my pipeline.”“Above all, you have to believe in yourself.”“I have been extremely blessed to have had amazing people around me.”Key Takeaways:As you look to grow a loan officer, think about making them an assistant first so that they can learn the business. Confidence sells. Show your customers and partners that you are confident in your ability. Spending the time on your education is always a good investment as it will put you a cut above. Surround yourself with the best people you can find and you will learn how to be great. Links:Next Level Loan Officers - www.BecomeNL.comLoan Officer Events - loanofficerevents.comNext Level Coaching Call - https://nl.nextlevello.com/schedule-consultationebk1Ea8h  Social Media:Facebook - https://www.facebook.com/NextLevelLoanOfficers/YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQLinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/ Text the word: nextlevel to 36260 to download our

State budget surplus will boost per pupil spending, student support, says governor. Also a man beaten by officers after he returned fire from an unmarked police van gets a $1.5 million settlement from Minneapolis. This is an evening update from MPR News, hosted by Tim Nelson. Music by Gary Meister.

How I determine what I spend my money on in my agency.

NCAA spending and apparently Phil Mickelson is too See omnystudio.com/listener for privacy information.

Rate & review the Simply Financial Podcast on ITunesSpecial Guest: Kristen McGarry CRPC, Pacific Life

Selling With Love is more than a podcast! Join the community of like-minded entrepreneurs ready to overcome their sales blockages and transform the planet at: https://www.linkedin.com/groups/14070148/ ======= Are you a CEO or a founder struggling with sales? If so, pay attention because Alice Heiman can make your current and future life way easier. Along the interview, you'll discover the first sales, leadership skills and progressive stages that every CEO has to go through. Besides, you can discover why is never to late to learn how to sell, and the crucial aspect of remaining close to your customers if you want to thrive in business. Save the episode and take good notes because it can save your present and upcoming career. =======

The details of US April retail sales data will be monitored for evidence of demand destruction, and ongoing demand normalization. As US households spend more money fueling the family fleet of SUVs, they have less money to spend elsewhere. In addition, areas where demand was exceptionally strong in 2021 have been moving towards normal or even below normal demand in 2022.

Becky Daggett discusses Flagstaff mayoral campaign. Jim Lamon on why he'd vote no on Ukraine spending.   #1378: Monday, May 16, 2022    Jeff discusses some of his news picks of the day (0:00-25:46) including abortion protests in Phoenix and $40 billion to Ukraine.   Becky Daggett talks about her bid to be Flagstaff's next mayor (25:45-59:24) including housing and forest fires. https://beckydaggett.com   Jim Lamon discusses why he would not vote for the $40 billion Ukraine spending (59:25-74:00) as well as his experience running businesses in the energy sector. 

Tucker Carlson’s recent monologue stated that what’s happening in the country isn’t about freedom or rights, but about attacking God and Christianity. Wretched Radio | Air Date: May 16, 2022 https://media-wretched.org/Radio/Podcast/WR2022-0516.mp3 Segment 1 CS Lewis was a big fan of walking. Charles Spurgeon talked about the the pastor’s fainting fits. Spending time in the country […] The post TUCKER CARLSON: THIS IS ABOUT GOD appeared first on Wretched.

Our anchors begin today's show with CNBC's Mike Santoli explaining similarities and differences between the current sell-off and the dotcom crash, and Satori Fund Founder Dan Niles offers his outlook following last week's volatility. Then, neighborhood social networking platform Nextdoor CEO Sarah Friar joins after beating the Street in Q1 but posting a miss on guidance, and CNBC's Dom Chu breaks down Nasdaq names still trading near their 52-week lows. GGV Capital Managing Partner Jeff Richards also shares his perspective on enterprise spending, and our Julia Boorstin covers some of the best and worst performing stocks to have been included in CNBC's Disruptor 50 list. Later, CNBC's Courtney Reagan looks at the state of consumers in the U.S. based on trends from retailers including Amazon and eBay.

Seeking to understand the priorities, plans, and activities that financial institutions are focused on? On today's podcast, host Craig Jeffery is joined by Steve Bullock, Vice President of Insurance and Financial Services at Kyriba, to discuss results from the 2022 Non-Banking Financial Institutions (NBFI) Survey. Topics of discussion center around technology, plans to spend, pain points, and more. Our Non-Banking Financial Institutions Survey, underwritten by Kyriba, polled NBFI professionals on complexity, technology, exposure management, and assets, plans, pains, spend, and focus. You are invited to read through the top ten items from the research and see what is dramatic and notable, as well as what hasn't changed much. Download the report here.

Spending Problem or Income Problem? - Minute Mondays EP_58 We often tell people that we can have a spending problem when things seem sour, it's our way to make light of a bad situation. Sometimes it's not that simple, you may actually have an income problem or worse you have both. The best way to figure out the root of the problem is to start off with creating a budget. You can then dissect your expenses from your income. You will be able to see everything that you spend money on and decide if it's still worth paying for. Once you have gone through everything, eliminated expenses and spending. habits that you can do without, that number will be your minimum spend per month. Comparing that number with your income will tell you if your current income will pay those bills. You may have to find another way to make more money, whether through a part time job, a side income, re-schooling to get a higher paying job, applying elsewhere to find a higher paying job, uber, skip the dishes, whatever.  It will be easier to come up with a plan and take action once you know where your starting point is.

Personal transformation takes time, subscribe now, and let's grow together!  ----------------------------------------­­­­­­­----------------

A listener writes into the show to ask: how should you track vacation spending? Vacation is a time to relax and let loose a little, but the listener wants to make sure he is pacing the family's expenses during the trip so he doesn't go overbudget.   Jesse offers a few different options, including sophisticated use of categories to track the vacation spend without creating too much complexity.   Have a question for Jesse? Send him an email at: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

A mother & daughter production! Today we discuss how many meatballs we take when we make our plate (LOL), grocery prices, grocery shopping, and budgeting! Enjoy this sporadic episode of Coco Caliente! Get 15% off plus free shipping on your first order at https://gladskin.com/coco More podcasts at WAVE: https://podcasts.apple.com/us/artist/wave-podcast-network/1437831426

Cathal Berry, Independent TD for Kildare South and former Army Ranger.

Carole speaks to former corporal Mark Keeley about poor pay in the armed forces.

Real estate has many moving parts and it takes a lot to make sure everything's going smoothly. In this episode, Justin Brennan of The Brennan Pohle Group joins us to discuss how he and his team are running a tight ship and successfully scaling their business. He goes in-depth on doing proper due diligence and managing worksites and contractors.      [00:01 - 05:59] Don't Go Big Too Soon Justin's background and his team's measured approach to investing Setting up operations and logistics in advance Careful due diligence before doing deals   [06:00 - 14:29] Properly Managing Contractors  Spending time talking to contractors and visiting their worksites Understanding their software, billing, and supply chain The importance of having a foreman on site Don't hire cheap contractors Considerations before paying contractors in advance   [14:30 - 15:22] Closing Segment Reach out to Justin!  Links Below Final Words Tweetable Quotes   “Don't go big too soon despite what you know. Some people say you're going to make mistakes, just don't make big ones.” - Justin Brennan   “Nobody's going to watch your money like you're going to watch your money. You can't expect people to watch your money like you're going to watch it because they're not getting paid your money.”  - Justin Brennan -----------------------------------------------------------------------------   Connect with Justin! Head over to The Brennan Pohle Group website or follow him on LinkedIn. Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   Justin Brennan  00:00 Nobody's gonna watch your money like you're gonna watch your money and you can't expect people to watch your money like you're gonna watch it. Because they're not getting paid your money. So for you to say, Oh, I expect them to like work harder do this well, okay, well then give them a piece of the equity and maybe they will. But yeah, no one's gonna work the way you're gonna work. No one's gonna protect your money or your investors' money the way that you are either.    Intro  00:18 Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.     Sam Wilson  00:30 Justin Brennan is the CEO and multifamily investor of the Brennan Pohle Group. They own over 500 units. He's also a real estate broker. Justin, welcome to the show.   Justin Brennan  00:39 Thanks for having me on, man. I appreciate it.   Sam Wilson  00:41 Hey, man, the pleasure is mine. There's three questions I ask every guest who comes on the show: in 90 seconds or less, can you tell me where did you start? Where are you now? How did you get there?   Justin Brennan  00:50 Well, we started in 2010 was the first investment we bought in that was $100,000 condo in the midst of the financial crisis in Murrieta, California, of all places, which is actually the heart of the financial crisis, right in Riverside County. The irony in that, and then that kind of grew from a single condo investment rental property into two to four-unit deals, then we got into five to 10, then 20 to 50. And then now we're into the 90 plus 100 plus unit space, and then you're starting to hit those 200 unit deals.   Sam Wilson  01:21 Got it. I love that it sounds like you guys have taken a very measured approach to your investing. What have been some of the things you feel like you've done really well?   Justin Brennan  01:30 The logistics of setting up operations, especially from going in state to out of state investing, you know, we kind of mastered the different size of deals, not getting too big, too fast. You know, you hear from some syndicators and guys saying, I'll just go big, go big, and, you know, I get it, I get the thought, in theory, they're accurate. But the thing they're missing is that first of all, they never started big. So I don't know how they say that. Number two, there's more zeros in the big stuff and more big mistakes you're gonna make because you're gonna make mistakes. And so I'd rather make mistakes with smaller zeros where you can recoup that versus making a mistake that's 100 to 200 to a million-dollar mistake. And so managing those mistakes to where they were minimized and learning about along the process to where, you know, now we're at a point where you learn as you go is a part of that too. And now I feel like okay, we've gotten through some of those pains to where I'm not going to make the same mistakes twice. I mean, we're dealing with larger numbers, now you're dealing with $30, $40, $50 million deals or not 2 million, right? Or 500,000. So big difference.    Sam Wilson  02:37 Big, big difference there. When you say you got the logistics of operations figured out. What does that mean to you?   Justin Brennan  02:43 Yeah, so when you're going out of state because it was the big thing for us in 2017-18 said, okay, you know, we're in California, it's not the cheapest place to live, we want to grow. So we had to set up operations outside and my business partner Christopher Pohle had ended up purchasing a ranch outside of Austin. So that was kind of now second headquarters was outside of Austin's now we had Midwest and then west coast. And then going into each market, we were interested in primarily Midwest being Kansas City in Missouri, we got Oklahoma, Texas, Alabama, stuff like that, Tennessee, in setting up operations about six to nine months in advance, actually pulling in deals. And when I say operations, I mean property management companies, construction crews, logistics, legal accounting, all those things that you're going to deal with from kind of the back office side of things, lay of the land, good neighborhoods, bad neighborhoods, where's the development? Where's pat the progress? Where's the city planning on putting in money? Are there railways and other light rail systems, all these details that go into where's the market for the market, so we don't just go in and start finding deals and then kind of catch tail later. It's six to nine months in advance, get the lay of the land operations set up so that way when deals start flowing, we can execute quickly.   Sam Wilson  03:57 That sounds very time intensive. What is the practical way that you guys have decided to do that without you, Justin moving to Nashville, Tennessee and going okay, let me go spend nine months here and figure out what the city is doing?   Justin Brennan  04:12 I am flying in there consistently during that six to nine months. And spending three, four days of time meetings, driving neighborhoods, learning it. So yeah, it is time-intensive. But it's also avoided us from making really dumb mistakes and getting put into a neighborhood and we're like, we shouldn't have bought here. Right? Right. I mean, so perfect examples. You know, every time we're looking at a deal, I'll go sit at the property at different times in different days of the week. So I'll go in the morning. I'll go midday, and I'll go in the evening and wait for people to come home from work. I'll go on a weekday and weekend, typically a Sunday and I say Monday or Tuesday because I just want to see the flow of the area flow the neighborhood when you're getting past normal due diligence and things like that, right. So you need to understand what you're getting yourself into otherwise, you deal with horror stories like I heard recently from a first-time syndicator, who bought a property had money backing, it was his first bigger deal, didn't do proper due diligence, got into it thought they were getting a great deal because they had a great basis. And on paper, the cap rate looks great cash on cash, everything looks good on paper, then come to find out because of the lack of due diligence, there was a lot of deferred maintenance, a lot of issues with that property neighborhood not being the best setup. And they inherited a lot of delinquencies, bad tenants issues, and it just turned into a complete... And now they've lost well over a million dollars. Well, and the guys, he'll never do another syndication because he'll never get money again. He was backed by good money, good people. But because he operated so poorly, he's basically blackballed. No, right. I say, don't go big too soon, right. Despite what you know, some people say you're gonna make mistakes, just don't make big ones.   Sam Wilson  06:00 When you're setting up your back office, talking about attorneys, title companies, all of those, you know, other than calling your contractors and maybe even going and seeing their work like, what else, what other due diligence is there really to do until you're ready to send them a deal? I mean, there's only so many conversations you can have with a contractor like, Hey, you guys, yeah, we've done these three projects. Okay, cool. Well, and I get one together, I'll call you.   Justin Brennan  06:24 Yeah, exactly. You can certainly go and see some of their work. That's definitely something you want to take a look at. Understanding, you know, there are foremen who run the jobs. What kind of software do they use? How do they do billing? Who does their supply chain? Who's going to order the supplies? Is it going to be you as the owner? Is it going to be them? Yeah. How's their labor force? We're talking about labor shortages, especially these days. Right? So we're dealing with that, you know, in foreman on-site, you know, because a lot of times they're running multiple jobs. So okay, great. So the foreman is going to be here once a day in the mornings in the evenings, who's opening up who's locking units? Is it our job, is it your job, is it our maintenance staff? Logistically, how are we dealing with that? Yeah, what software are you guys using? Are we corresponding through that for just… because when you're doing renovations on value add? It's an assembly line. Right? Right. And so you have to really manage that correctly. So you don't have too many vacancies at a time. Too many not available at a time. It's like this seesaw assembly line battle between your kind of rental guys and your leasing staff. Right. And that blending those two together to where you Okay, five units a month come vacant? How long does it take you to turn those things? How long does it take you to market them? How long does it take people to get in there where you're collecting checks? And I kind of calculate check to check meaning person moves out, you're not getting any money once next person give you a check? Is it 30 days, 60 days, fortify like, what does that look like? Right? In timing that up and then layering over-layering. Because it's a dance, it's not easy to manage that process. And it's not a perfect science. So having a construction crew that gets that in can help you manage that isn't just all over the place is really, really, really important.   Sam Wilson  08:02 Yeah, absolutely. What about that, I guess that the management side of it, is there a certain size of construction company? You guys always look for where you say, Man, you've got to have X number of employees, you got to do X number of dollars in volume a year? Is there anything like that, that goes into that equation on your kind of due diligence?   Justin Brennan  08:20 Yeah, so you should definitely have at least one foreman on-site or an assistant foreman every day. And if you're going to run the jobs, and if they're leaving for a little bit, but they need to pretty much be there constantly in and out every day, touching the job site every day. And then you're typically going to have two workers per unit is kind of what I've seen the best flow from a labor force standpoint. So if you're going into renting a unit, depending on what you're doing to but let's… presuming you're doing a pretty good Reno, and you're adding washer dryers and some electrical work. So there's some rough stuff that has to get done. That usually happens first. See those guys going in and doing the rough electrical, rough plumbing, and then that gets done. So now coming in behind that as some drywall painting cabinet, guys, countertops, fixtures, plumbing, electrical fixture type stuff. Flooring is usually one of the last items going and stuff like that. And then appliances if you're bringing those in. So the two guys per unit. So if you're doing five units at a time, per month, right, that's 10 dudes on-site every day. Yeah. Plus your foreman, right? So Mister contractor, can you supply that? Yes, we can. Okay, what happens if you don't? Right? So just working through some of that logistical stuff? Because we've dealt with it, right. We're the contractor says x. And then there's five guys on site. And then you start falling behind, right? Because now you're not catching up to the rental schedule, right? And then you got to backtrack and all this other stuff. So it's not a perfect science.   Sam Wilson  09:49 No, it's not even like you said, if they say yeah, we can get 10 guys on-site plus a foreman. I mean, if you're not there, when the cat's away, the mice will play, especially in the   Justin Brennan  09:59 And that's where our staff comes on top of that. That's why it's so key. That's why we don't do any deals under 90 units anymore, right? Because 90 units is where the economies of scale come in, where you have on-site management, on-site leasing, on-site maintenance on-site, everybody. And so they're my eyes and ears on it. Plus, we have cameras, right? Plus, we have me, and I'm on-site every other week, and I'll just show up randomly. on purpose, right, and you just have to listen, nobody's gonna watch your money, like you're gonna watch your money and you can't expect people to watch your money like you're gonna watch it. Because they're not getting paid your money, right? So for you say, Oh, I expect them to like work harder. Do this well, okay, well, then give them a piece of the equity and maybe they will write that's maybe, oh, maybe but yeah, no one's gonna work the way you're gonna work. No one's gonna protect your money or your investors' money the way that you are either.   Sam Wilson  10:49 Have you ever made a bad by?   Justin Brennan  10:51 Not yet? Not knock on wood, man. No, not yet. We could have you know, we ended up last year having to pull out of a deal that in hindsight, was kind of it was weird as a blessing because we were finding things out. And then but we had money hard. And there was really wasn't there wasn't an out force legally at that point. But just so happened, there was a fire on one of the properties during escrow, which ended up giving us an out legally. And then hindsight 2020, you're like, gosh, that was actually a good decision. Because it may have ended up being a bad buy for us at the time, you know, kind of looking forward now, six months later, like we got, you know, a lot going on with this other property at the moment. So it would have been put us in a tough spot. So that was a little bit of luck. But I'd say there's no accidents, things happen for a reason. And there are no accidents. The craziest things happen in life.   Sam Wilson  11:46 But what's a lesson or a mistake you've made that you feel like you could help someone else not make?   Justin Brennan  11:52 Don't hire the cheapest contractor. I made that mistake once even though I did my due diligence on them, right? We checked them all out. I even tested them, like on a small portion of the job first to see if they could execute. And they did. And I was like, okay, so you got you got a little $3,000 portion of the job you executed. Okay, now we're gonna graduate you up to the next stage, and then come to find out, they're just full of hot air. And they took about $17,000. And, you know, so I mean, it wasn't a massive mistake that we couldn't recuperate from it, it was a $17,000 mistake. But imagine if that was another contractor on a much and that was only on a 30 unit deal. I say the mistakes are made. Imagine that was a 200-unit deal. And that was a $200,000 mistake, right? Do not ever, people know this intuitively, but just stick with this. Don't ever pay the contractors in advance. I mean, progress payments, you can do a deposit, typically, maybe 25%. But a lot of times, you'll get bids come in and they'll say 50% up front and then 50% Upon completion. Yeah, kiss my you know what, right? I will pay you a 20 to 25% deposit upfront, then we will do progress payments, right, depending on the length of your job, and then you will get the final payment within 30 days of completion.   Sam Wilson  13:12 Yeah, that 25% Upfront is largely contingent upon what they're bringing, if they're not bringing any materials, and it's all straight labor. Correct. If it's straight labor, I would be really hard-pressed to give them anything. Well, sure.   Justin Brennan  13:24 Yeah. So the usually the deposits are typically based on materials they're bringing on site roofing or fencing or, you know, basic stuff, then you're typically paying a 25% deposit, because there's an on site move for materials.   Sam Wilson  13:41 Right, yeah, I get it. I was a contractor for way too long. I completely understand it.   Justin Brennan  13:46  And I'm a licensed GC. So but yeah, I would never, we just learned that battle. And you'd have to fight it a bit because they want some more payment up front. Because they're either, with all due respect, not all of them. So I don't want to aggregate but a lot of really bad money management. So they're floating a job here for job there and money moving here for that here. And they can't really manage their money correctly. So they're taking money from here to pay some guys over here. And you see how that flows. And you're not going to use our job as your cash flow or so.   Sam Wilson  14:15 Right. Not only that, but also just the risk of them. Like you said, backing up and walk and you go oh, okay, well, thanks. Well, that was enjoyable writing you…   Justin Brennan  14:23 I paid you 50% upfront, right? Yeah, you go deposit, but that's specific, usually for materials.   Sam Wilson  14:29 Right. Yep, that makes a heck of a lot of sense. Justin, if our listeners want to get in touch with you, what's the best way to do that?   Justin Brennan  14:35 Google me, man, Justin Brennan on Google. That's probably the easiest way to have some stuff pop up or you can go to our website, which is brennanpohle.com. That's B-R-E-N-N-A-N-P-O-H-L-E.com. And, yeah, read whatever you want.   Sam Wilson  14:53 Great. Sounds good, man. Justin, thanks for your time today. Certainly appreciate it.   Justin Brennan  14:55 You bet. Thank you.   Sam Wilson  14:56 Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen, if you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories so appreciate you listening. Thanks so much and hope to catch you on the next episode.   

Why tracking is important both to know how much debt is owe, and when due.  Tracking checking, credit cards, savings knowing what is due when and the amount in emergency fund. Article Links:https://www.nerdwallet.com/article/finance/tracking-monthly-expenses By Courtney Neidelhttps://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_spending_tracker_2018-11_ADA.pdfHow to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Biden police funding intro wrap

David Eliot and Myles Dannhausen Jr. discuss the 2022 Philanthropy edition of Door County Living magazine, which focuses on how Door County communities have invested more than $26 million to open public access to 2,700 feet of shoreline since 2007. The issue is available on newsstands now and was supported by grants from the Wisconsin Humanities Council's Beyond the Headlines program.

How do you best direct your time to bring value to your organization? Any given day, there are numerous ways a fundraiser can spend their time. Greg explains how your activities fall into one of two categories: income or expense. The income producing tasks are short and simple. The expense producing tasks are many and should be exercised judiciously. Find out whether the tasks you do are making or spending money for your non-profit.

Where Does all my Money Go? How to Find Clarity when Spending is a Black Hole In today's episode, I talk about a common question we ask ourselves: "where does all my money go?". I talk about why this is so common, especially for women and how we can find more clarity and feel more in control of where our money goes.  Learn more about Meghan here: https://moneyisntscary.com/

Kennedy's Impossible Parody this week is for all you Target lovers out there who go to the store needing one thing and coming out in debt...

AP correspondent Mike Hempen reports on Biden-Police Funding.

Today, I am blessed to have here with me, Dr. Lana Morrow. She is an award-winning functional medicine neuroscientist, Founder, CEO, and creator of the THINK system and is an expert in dopamine, executive functions, and neurotechnology.  She has worked with students, diplomats, actors, European royalty, and Fortune 500 CEOs in Manhattan, Paris, and Rome. Engaging with students and professionals, Dr. Morrow improves their attention, mood, and academic and sports performance. She has been featured in the New York Times, Panorama, RAI 2, and various other media. Known for her innovative and caring approach, Dr. Morrow helps many achieve optimal potential with advanced approaches. Dr. Morrow founded THINK Interfaces in order to create non-invasive, non-pharmacological methods for remediation of attentional and movement related disorders. She is passionate about helping her clients elevate their cognitive performance, longevity and memory. She is a Galileo2000 Award winner, and recognized as a pioneer in brain computer interfaces and neuroeconomy.    Dr. Morrow earned a doctoral degree in cognitive neuroscience from Sapienza University in Rome, Italy, was a visiting researcher at the Sorbonne in Paris, and completed her post-doctoral training at Mount Sinai Hospital in New York City, performing EEG-based brain mapping techniques in dopamine research and at Columbia Presbyterian hospital.  Her skills also include treatment of learning disabilities, attention deficit disorder and the differential diagnosis of complex brain disorders. As a neuroscientist, she conducts research collaborations with major universities in Europe and the United States. In this episode, Dr. Lana Morrow speaks about the inspiration behind her career as a neuroscientist. One of Dr. Morrow's passions is helping children with ADHD through neuro programs disguised as video games. Then, we dive into dopamine and what you need to know about this powerful neurotransmitter. Dr. Morrow reveals brain hacks you can start doing right now that will increase your dopamine levels. Tune in as we chat about Dr. Morrow's work in helping people overcome debilitating issues and how your thoughts can create new brain cells.  Purchase Ari's new book Eat For Energy here: https://bit.ly/3Fka6VB Free 7 Day Keto Challenge May 9th 2022. Register your free spot here: https://kka.mykajabi.com/keto-challenge Get Keto Flex on Audible for Free (New Customers Only): https://adbl.co/36d6A24 Get Keto Flex on Audible here for current customers: https://adbl.co/3699lBm / / E P I S O D E   S P ON S O R S  PureForm Omega Plant Based Oils (Best Alternative to Fish Oil): http://www.purelifescience.com Use ben4 for $4.00 off. Paleo Valley beef sticks, apple cider vinegar complex, organ meat complex & more. Use the coupon code KETOKAMP15 over at https://paleovalley.com/ to receive 15% off your entire order. Upgraded Formulas Hair Mineral Deficiency Analysis & Supplements: http://www.upgradedformulas.com Use KETOKAMP15 at checkout for 15% off your order.  Text me the words "Podcast" +1 (786) 364-5002 to be added to my contacts list.  [00:45] The Inspiration Behind Dr. Lana Morrow's Career as a Neuroscientist  We don't choose our vocation; it chooses us. For Dr. Morrow, she is on a mission to make humanity stronger.  Eventually, Dr. Morrow opened a private practice in New York City and worked with many ADHD children.  Countless ADHD children also have congenital heart issues; therefore, they can't take stimulants.  So, Dr. Morrow started to create video games; in reality, they are neuro programs. She likes to bring the fun into healing.   [08:15] Understanding Dopamine 101: The Pathway To Pleasure  Dopamine is a style of neurons anatomy. A neuron is comprised of long sausage-like connection accents. A key and lock system enables the dopamine or any other neurotransmitter to flow from one end of the presynaptic to the postsynaptic gap. Dopamine is popular because it is responsible for our reward system.  Once your vagus nerve is stimulated correctly, you will have a flow of dopamine, which is crucial for your wellbeing.  [13:40] Brain Hacks: How To Improve Your Dopamine Levels  Turn off your phone for three minutes. Go barefoot on the grass. Take a look at the sunshine. Move your head to the left and the right in the sun.  Spending time in the sun will regulate your melatonin and regulate your inner lining of mitochondria.  [28:40] How Dr. Morrow Has Helped People Overcome Debilitating Issues Dr. Morrow's system has helped 82 traumatic brain injury clients. She will get rid of people's mental fog and anxiety and increase mobility.  Everyone can get themselves out of massive trauma.  It's so important to support each other.  Dr. Morrow has helped people get rid of their ADHD and ADD.  Plus, she helps people improve their focus.  [41:40] Find Out More About Dr. Morrow's Work With The Brain Email: DrMorrowTeam@thinkinterfaces.com Website: https://www.thinkinterfaces.com Find Dr. Morrow on Instagram: Instagram: https://www.instagram.com/drlanamorrow/. Overall, we all want to get to the next level.  Dr. Morrow says it's all about bringing your mind and your body into synchronicity.  [43:40] Your Thoughts Can Create New Brain Cells - Remember To Practice Gratitude With your thoughts, you can create new neurogenesis, which creates new brain cells.  If you have 60,000 thoughts per day, those are 60,000 opportunities to put your body in a healing state. You can look younger, look more muscular, feel stronger, and be healthier through keto.  Gratitude and ketosis work incredibly well together.  AND MUCH MORE! Resources from this episode:  Check out Think Interfaces: https://www.thinkinterfaces.com Follow Dr. Lana Morrow LinkedIn: https://www.linkedin.com/in/lanamorrow/ Instagram: https://www.instagram.com/drlanamorrow/ Email: DrMorrowTeam@thinkinterfaces.com Join the Keto Kamp Academy: https://ketokampacademy.com/7-day-trial-a Watch Keto Kamp on YouTube: https://www.youtube.com/channel/UCUh_MOM621MvpW_HLtfkLyQ Watch Keto Kamp on YouTube: https://www.youtube.com/channel/UCUh_MOM621MvpW_HLtfkLyQ Free 7 Day Keto Challenge May 9th 2022. Register your free spot here: https://kka.mykajabi.com/keto-challenge Get Keto Flex on Audible for Free (New Customers Only): https://adbl.co/36d6A24 Get Keto Flex on Audible here for current customers: https://adbl.co/3699lBm / / E P I S O D E   S P ON S O R S  PureForm Omega Plant Based Oils (Best Alternative to Fish Oil): http://www.purelifescience.com Use ben4 for $4.00 off. Paleo Valley beef sticks, apple cider vinegar complex, organ meat complex & more. Use the coupon code KETOKAMP15 over at https://paleovalley.com/ to receive 15% off your entire order. Upgraded Formulas Hair Mineral Deficiency Analysis & Supplements: http://www.upgradedformulas.com Use KETOKAMP15 at checkout for 15% off your order.  Text me the words "Podcast" +1 (786) 364-5002 to be added to my contacts list.  *Some Links Are Affiliates* // F O L L O W ▸ instagram | @thebenazadi | http://bit.ly/2B1NXKW ▸ facebook | /thebenazadi | http://bit.ly/2BVvvW6 ▸ twitter | @thebenazadi http://bit.ly/2USE0so ▸clubhouse | @thebenazadi Disclaimer: This podcast is for information purposes only. Statements and views expressed on this podcast are not medical advice. This podcast including Ben Azadi disclaim responsibility from any possible adverse effects from the use of information contained herein. Opinions of guests are their own, and this podcast does not accept responsibility of statements made by guests. This podcast does not make any representations or warranties about guests qualifications or credibility. Individuals on this podcast may have a direct or non-direct interest in products or services referred to herein. If you think you have a medical problem, consult a licensed physician.

Creating sustainable self-care practices involves The realization that slowing down is still moving forward Replacing the habits you remove with something positive and fulfilling Asking for and receiving what you want and need Using natural solutions from plants to support your wellness practices Spending quality time in nature   Do you find it hard to carve out time for yourself every single day? Like me, I bet there are days when you feel pulled in a million different directions, tending to everyone's needs but your own. It takes dedication to stick to self-care practices while living a full, and sometimes hectic life. I get how self-care doesn't always go according to plans. That's why I brought on today's guest to share her key wellness practices to embrace despite being overscheduled and busy.   About Jovanka Ciares Jovanka Ciares is the author of Reclaiming Wellness and several other titles. A certified wellness expert, integrative herbalist, nutrition educator, and coach, she offers lectures and workshops in Spanish and English.  Jovanka studied nutrition with bestselling author T. Colin Campbell, Ph.D., at his Center for Nutrition Studies (in partnership with Cornell University) and herbalism/plant medicine with Tieraona Low Dog, MD. A native of Puerto Rico, she lives in Los Angeles.   Slowing Down and Getting Support So You Can Do More For Yourself Adapting wellness practices to your life, especially when you're overwhelmed, is no simple task. Yet, as Jovanka explains, transformational habits and rituals can be integrated with ease and grace.  This involves realizing that just because you might be slowing down, you are still moving forward. It also involves replacing the habits you remove with something more fulfilling. You'll likely need to ask others to support you with this. Don't be afraid to do so because receiving in itself is an act of generosity as Jovanka explains.   FInding Natural Support from Plants and Herbs An essential part of Jovanka's process involves the medicinal nature of plants. Whether you need focus, energy, or relaxation, tapping into the power of plants can go a long way in supporting your wellness practices.  Herbs and supplements can restore your endocrine system, support your body, and give your mind what it needs. Jovanka describes how a number of specific adaptogenic herbs can help support and sustain your self-care rituals. What can support you on your path to self-care and wellness? Share your thoughts with me in the comments section of the episode page.   Quotes: “People need to start understanding that they are the experts in their body. The person you look at in the mirror every morning is the expert of you.” [11:19] “A lot of us, especially women, are very generous with our time and energy, but we don't want to receive. Nothing could be more detrimental. We have to learn that the act of receiving is also an act of generosity.” [21:27] “So you find some alternative solutions and, in combination with what your doctor recommends, there is no need for us to struggle through a lot of these hormonal changes.” [29:30] “We are part of mother nature and we need to reconnect with it. It's critical to our health and wellbeing.” [33:50]   In This Episode Understanding that you are the expert of your own body and advocating for what you need for it  [6:30] Reclaiming what fulfills you after removing what doesn't [15:30] How adaptogenic plants can help us adapt and reclaim our wellness [22:30] Why a connection with nature is an integral part of wellness [31:15]   Resources Mentioned: Use Promo Code ‘podcast' for 10% off your order at the Essentially Whole Store Here Jovanka Ciares' Website Follow Jovanka on Facebook | YouTube | Instagram | Linkedin | Twitter The Reclaiming Wellness Book   Other Resources: Check out the full show notes page Keep up with everything Dr. Mariza Follow Dr. Mariza on Facebook | Instagram | Twitter | Youtube Podcast production & marketing support by the team at Counterweight Creative

Mark interviews D. E. Cunningham, a middle-grade fantasy author, about his life as a storyteller and his new novel Marco Swift and the Mirror of Souls. Prior to the main content, Mark shares a recent comment, a personal update, and a word about this episode's sponsor. You can learn more about how you can get your work distributed to retailers and library systems around the world at starkreflections.ca/Findaway. During their chat, Mark and David talk about: The inspiration behind writing Marco Swift and the Mirror of Souls Writing a musical comedy for stage when in college, and making short VHS movies, improv and parodies with his friends when he was in high school Being able to bang out 1000 words an hour, but without proper structure and plotting Discovering Brandon Sanderson's DIY writing class on YouTube How dramatically different the later drafts of the novel became after David learned more about the craft David's desire to make the heart of the Marco Swift story about children facing trauma and learning to not blame themselves Inspiration from Mister Roger's and his own passion for ensuring that every child knew they were loved and they are capable of loving Going through depression and being semi-suicidal when he was younger Writing this first novel while working on his MFA for Film Production Hiring an editor through Reedsy Work David had done writing a couple of episodes and outlines for a few different television shows as well as voicing the main character for one series Spending a year and a half querying 122 agents The one agent who asked to read the book who told David it was "good not great" Hiring a second editor to address the feedback this agent had offered to David Trading skills with an artist/designer to get a professional looking cover for his self-published book The 99% Perspiration/1% Inspiration principal Realities of television and movie adaptations The coolest things about self-publishing a book David deciding to do the audiobook himself because he already had voice-acting experience Advice David would offer to his younger self And more... After the interview Mark reflects on David's life-long passion for storytelling, being cognizant of his target audience, and his determination and persistence as a writer.   Links of Interest: Marco Swift Website D. E. Cunningham Facebook Page D. E. Cunningham Instagram Findaway Voices The World of Publishing (Victoria, BC & Virtual) - May 14, 2022 Buy Mark a Coffee Patreon for Stark Reflections Accounting for Authors The Relaxed Author Buy eBook Direct Buy Audiobook Direct Publishing Pitfalls for Authors An Author's Guide to Working with Libraries & Bookstores Wide for the Win Mark's Canadian Werewolf Books This Time Around (Short Story) A Canadian Werewolf in New York Stowe Away (Novella) Fear and Longing in Los Angeles Fright Nights, Big City Lover's Moon   D. E. Cunningham is a middle-grade fantasy author who currently resides in Virginia Beach with his wonderful wife and three fun-loving boys. His search for truth, goodness, and beauty have driven him to write larger-than-life adventures for a new generation of readers. When not writing, he can be found voicing cartoon characters, producing animated children's shows, and exploring the wilderness with his family.   The introductory, end, and bumper music for this podcast (“Laser Groove”) was composed and produced by Kevin MacLeod of www.incompetech.com and is Licensed under Creative Commons: By Attribution 3.0   

Ryan Wiggins presents the guessing game....Does it cost less or more than the $40B Ukraine Spending Bill? Wiggins presents various "items"  to Annie and Brad that they then guess if it costs more or less than 40 Billion Dollars. 

See omnystudio.com/listener for privacy information.

The Lakers have lower spending limits than their competition. Should they? And does that mean fans should expect less of the organization? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Someone spent all their money on Harry Styles tickets.. but can you blame them? Plus, a snap hack! Listen to all of today's crazies!

This Wednesday at 12 p.m. PST I am having my best email copywriter share his top secrets on the mistakes most coaches and course creators make with paid advertising and email nurture series for their high ticket offers Strictly limited to first 100 people. I'm sharing it ALL… Free LIVE training for ambitious coaches & course creators sick of spending FAR too much on rising ad costs... Revealed: The Super Simple Email Funnel My Clients Have Used & Applied To Generate Over $840K+ In The Last 12 Months Working With Me...   Without Being A Pest Or Pushy In The Follow Up Key #1 ✅ How to sell high ticket services on the back-end of your paid traffic profitably. And how a client of mine virtually outspends every other ad buyer and is still more profitable than their competition… Key #2 ✅ Slash your ad costs with a proven email marketing follow-up sequence…guaranteed to safeguard you from any algorithm changes, ‘Google Slaps' or the next ad cost apocalypse! Key #3 ✅ 3 secrets to deter crappy sales appointments & ensure only the most qualified prospects show up on high ticket discovery calls…(And no, it's not a 10 page questionnaire)! Key #4 ✅ Ethically persuade people to take action NOW…without the repulsive ‘bro-marketer' energy we all hate. Knowing exactly what to say, in your own words to move people to get off their butts and into your calendar – while thanking for you the opportunity. Key #5 ✅ How to melt customer objections BEFORE they get on a sales call with you. Peak over my shoulder as I breakdown the simple email funnel my clients have used to bring in over $840k in sales by building a bond of trust. Sign up here https://julesdan.com/paidtraffic-emailmasterclass/?inf_contact_key=31d18bac55b3be17517f93c52e7c6683680f8914173f9191b1c0223e68310bb1

Selfie-Drone, Masterclass, Guard Your Heart, Mother's Day, God Cares What We Do, Our Soul, We Don't Have to Know, Rules for Cats, God is not Scandalized, Gratitude, Honorary Doctorate, Genuine Apologies, Jesus/Freedom; Quotes: “What I pay attention to means everything.” “Spending time enjoying God is what fills you up.” “The cross was enough for all of us.” “The most accurate way to view the world is with hope.”

Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether that be going out or grocery shopping to feed yourself, your spouse, your kids, and anyone else in your family— eating well isn't cheap…or so most people think.Beth Moncel is here to tell you that the preconceived notion of good food = expensive food, isn't exactly right. Beth started her blog, Budget Bytes, over a decade ago during the great recession, when many families struggled to put food on the table. With a degree in nutrition, Beth knew that she could scientifically design recipes that not only filled up her family but helped her do so on a budget.If you're constantly going over your food budget, this is the episode to listen to. Beth gives a masterclass on food budget savers vs. sinkers, pantry staples and go-to recipes, meal planning, eating out, and whether or not you should shop on an empty stomach. Prepare to upgrade your dinner time while keeping more cash in your pocket!In This Episode We CoverCommon mistakes budgeters make when trying to plan weekly meals The biggest budget busters you'll find in your local grocery store and what to buy insteadBeth's go-to recipes that also act as pantry clean-out meals for less food wasteMeal planning and how to start with simple, filling recipes you won't get tired ofShopping without coupons and why the best ingredients are often the cheapestCalculating the exact cost of your meals and tweaking recipes for frugal shoppersAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetBiggerPockets Money Podcast 251 with Preston CooperFlipp.com WebsiteBudgetBytes.comConnect with DavidSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.