Podcasts about spending

Are you grinding every day but still not getting any closer to your next storage deal? Most investors don't fail because they're lazy, they fail because they spend their time on the wrong things. In this episode, Alex Pardo breaks down the exact busy work that keeps new and experienced investors stuck,  and the surprisingly simple actions that actually get deals done. In this episode, Alex pulls real questions from the Storage Wins private community and shows you how to cut through distractions, focus on revenue-generating activity, and finally start making traction. If you've been hiding behind spreadsheets, systems, and getting ready, this is the wake-up call you need. You'll Learn How To: Focus your time on activities that actually get you deals Use cold calling the right way and why Saturdays are a secret weapon Ask owners the only two numbers you need to underwrite any facility Follow up like a pro, so you never lose a deal that should've been yours Simplify your process so you stop hiding behind CRMs and start taking action What You'll Learn in This Episode: [00:00] The truth about busy wor" and why it kills momentum [01:00] The cold-calling schedule that separates you from your competition [04:00] The two pieces of info you need to underwrite any deal [08:00] Why follow-up is the real reason deals get done [12:00] How to stop hiding behind CRMs and start doing the real work [20:00] The mindset shift that helps you finally buy your first or next facility Who This Episode Is For: New investors trying to get their first facility but feeling stuck Operators who feel busy every day but aren't seeing real progress Anyone overwhelmed with systems and information instead of action Why You Should Listen: If you've been spinning your wheels, this episode will show you exactly where your time is leaking, and how to fix it today. You'll walk away knowing what actually moves the needle in storage, how to simplify your process, and how to create real momentum instead of false productivity. This is the clarity most investors never get, and the reason many never buy a single facility. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/  

Send episode requests hereMy bestie Dr. Jasmyne went from never asking men for help with her luggage to having a pilot chase her through the airport offering to buy her whatever she wants. The shift happened in less than one week—and it started with something as simple as letting a man put her bag in the overhead bin.In this episode, Dr. Jasmyne joins me to talk about what actually happened on our trip to Orlando and Nashville that had millionaires at our table, a prominent head coach adjusting his game schedule around us, and wealthy men treating us like we were the only women in the room. She's breaking down the exact moments that changed how she sees herself and what she now expects from men.After listening, you'll understand why the tiniest shifts in how you move through the world can completely change the caliber of men who pursue you—and what's keeping you from experiencing this level of attention right now.Join my Attract Him Online 30 Day Challenge HEREConnect with my friend, Dr. Jazmyne HEREFollow me on Instagram for more dating gems at: @torahcents @curved2cuffed 

Charles is joined by Jeffrey Gundlack Doublelime Capital Founder, CEO & CIO to discuss the role of tariff rebates in the growing national debt, the unusual behavior in the bond market where long term treasury yields have not fallen despite rate cuts, and The Federal Reserve's focus on employment versus inflation. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Have you ever moved through your day on autopilot – checking boxes, getting things done, but barely feeling present? Spending too much time in your head can leave you feeling stuck, disconnected, and out of sync with what brings you joy. Dr. Caitlin Hoops is a physician and hula-hoop artist who believes that flow state is the gateway to presence, focus, and calm. She first experienced being in flow while hula hooping, and it completely changed every aspect of her life. Now she teaches others how to access that same energy in their everyday lives so they can get out of their heads, reconnect with their bodies, and feel fully alive.   In this episode, you'll learn: What flow state really feels like in your body How being in flow positively impacts your stress hormones and wellbeing Why multitasking pulls you out of presence – and what to do instead Simple practices to become clearer, calmer, and more aligned How to reconnect with joy (and play) and invite more of it into your life   You'll feel inspired to find your flow state, shift out of autopilot, and follow your true joy – hula hoop optional! Resources Mentioned: Astral Hoops Hoopologie   Learn More about Dr. Caitlin Hoops: Instagram: https://www.instagram.com/dr.caitlinhoops/ Facebook: https://www.instagram.com/dr.caitlinhoops/   Learn More about Elise Museles: Get the Food-Mood Bundle Special Podcast Listener Offer Food Story: Rewrite the Way You Eat, Think, and Live Website: elisemuseles.com Instagram: @elisemuseles Facebook: @elisemuseles

What did Young Tony ask today? - M&M debate how the Giants should invest their spending this offseason, how high Curry can climb the NBA's all-time scoring list, if Macklin Celebrini is the most exciting Bay Area athlete right now, & which Godfather movie is the bestSee omnystudio.com/listener for privacy information.

It's one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn't just about inheritance. It's about passing on faith, values, and a vision for generosity.To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF)—a trusted partner helping believers give wisely and joyfully.From Obligation to Joyful GenerosityChristin's passion for generosity began early, though not in the way it's shaped her life today.“As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn't until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.”That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out.What's Driving the Next Generation to GiveWhen it comes to generosity, Millennials and Gen Z are rewriting the playbook.According to NCF's research, millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.”Christin explains:“They believe all resources have equal value—not just money, but time, influence, and relationships. They don't just want to write a check. They want to be part of the change.”This shift from transactional to relational giving marks a profound change from previous generations.Reimagining Traditional ToolsYounger Christians aren't abandoning tools like donor-advised funds, estate plans, or investment portfolios—they're personalizing them.“They want to see impact,” Christin said. “They're asking, ‘How is my giving being used?' and ‘What difference is it making?'”They're also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones.At NCF, this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact.What Advisors Need to KnowFinancial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset.“Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It's not just about managing money—it's about helping them uncover all the ways God's entrusted them to give.”For advisors, that means focusing less on control and more on collaboration, connection, and calling.How Families Can Have Faith-Filled ConversationsGenerosity isn't just a financial transaction—it's a family story. Cristin encourages families to start there.“The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.”Listening to one another's experiences helps bridge differences and creates a shared vision for stewardship across generations.How NCF Is Helping the Next Generation Live GenerouslyAt the National Christian Foundation (NCF), this generational shift is sparking new ideas and tools for families and advisors alike.New Research & Resources: NCF has published a comprehensive Next Gen Generosity Report—designed to help both older and younger generations navigate these conversations.Experiences & Events: Through community gatherings and local partnerships, NCF helps families explore generosity together—often in creative, organic ways led by next-gen participants.Collaboration with Advisors and Churches: NCF connects givers to trusted partners who can guide them through every stage of stewardship—from first-time donors to business owners planning legacy gifts.You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch.The Power of AgencyOne key insight from NCF's research is the role of agency in healthy stewardship.“We define agency as the ability to act on the free will God gives us,” Cristin explained. “The more we step into that responsibility—making decisions, taking ownership—the more confident and joyful we become.”That means even those who inherit wealth should be encouraged to find their “Gen 1” opportunities—ways to take initiative, make decisions, and live out their calling to give.The Influence of Women in GenerosityAnother striking finding: women—especially mothers—play a major role in shaping generosity.“Seventy-two percent of millennials we surveyed said their mothers were the biggest influence on their giving,” Cristin shared.Yet, the research also revealed that many women feel unheard in family wealth decisions. The next step, Cristin says, is ensuring their voices are part of the conversation.“This is the time to incorporate women's perspectives in giving and wealth transfer. Their influence is profound—and essential.”Passing Faith Along With FinancesAs this great wealth transfer unfolds, Cristin reminds us that what we pass on matters more than what we possess.“It's not just about money moving between generations,” she said. “It's about passing along faith, values, and purpose.”And that's a legacy that truly lasts. Learn more about how you can make generosity part of your family's story at FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:Our home is fully paid off, and we're nearing retirement. I've heard you discuss reverse mortgages, but I have always been hesitant. What are the real benefits and drawbacks, especially regarding the accumulated interest? Also, what kind of closing costs or fees should we expect, and which company do you recommend?I'm approaching my required minimum distribution and recently learned about qualified charitable distributions (QCDs). Can I withdraw the money first and then donate it, or must it go directly to the charity to qualify?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF)NCF Next Gen Generosity ReportWomen, Wealth, and Faith Research Study (Sign up to Participate) - Partnership with Women Doing Well and the Lake Institute on Faith & GivingWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What did Young Tony ask today? - M&M debate how the Giants should invest their spending this offseason, how high Curry can climb the NBA's all-time scoring list, if Macklin Celebrini is the most exciting Bay Area athlete right now, & which Godfather movie is the bestSee omnystudio.com/listener for privacy information.

Outline(0:00) Vintage or New Plate Results(1:02) Concept2 Trio or Commercial Grade Treadmill(3:20) HomeGymCon Update(4:33) Survey Results(12:00) Blind Ranking Strength Sports

Join host Cherryh Cansler as she sits down with Brian Choi, CEO of The Food Institute, to tackle the biggest challenges facing restaurants in 2026. With consumer sentiment at 50-year lows and economic uncertainty looming, Brian shares his Wall Street expertise and food industry insights on how fast casual brands can thrive. Discover why going back to basics, leveraging social media, and embracing global flavors are key to success. Learn about emerging trends from West African cuisine to GLP-1-friendly menus, plus practical strategies for managing rising costs while keeping customers excited about your brand.#FastCasualNation #RestaurantIndustry #FoodTrendsGet Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

Chris & Gemma built a 7-figure agency by saying NO to 90% of clientsChris walked into a client meeting. Got the job brief. Then said "No way."The client looked at him like he was insane."You haven't shown me the office. I don't know your team. I can't work on this job."She'd just told him they were more expensive than every other agency.He didn't care.This is how Chris and Gemma built Mixos - a husband-and-wife recruitment agency that operates completely backwards.They REFUSE to take briefs over email. They WON'T work with clients who rush them. They'd literally rather go bankrupt than cut their fees.And somehow? Rookies from retail are billing £50k+ quarters. They've grown to 15 people in 18 months. Their LinkedIn DMs are full of warm leads.In this episode:Why they lost one job last month and Chris "felt like someone stuck a knife in him"The cocktails-in-Mallorca conversation that merged two agencies during a pandemicHow they got a psychology graduate with zero experience to £53k in 90 daysBuilding a 400-person local community that makes cold calling irrelevantWhy they walked away from their biggest client (and replaced it with 5 better ones)The "blueprint everything first" strategy that stops quality diluting as you scaleWhat happens when you tell a client, "I can't help you" in the first meetingThis isn't about growth hacks or AI tools or scaling fast.This is about two people who set impossible standards, refuse to compromise, and somehow built an agency where saying NO is their superpower.For every recruiter who's tired of competing on price and wondering if there's another way.__________________________________________Episode Sponsor: AtlasAdmin is a massive waste of time. That's why there's Atlas, the AI-first recruitment platform built for modern agencies.It doesn't only track CVs and calls. It remembers everything. Every email, every interview, every conversation. Instantly searchable, always available. And now, it's entering a whole new era.With Atlas 2.0, you can ask anything and it delivers. With Magic Search, you speak and it listens. It finds the right candidates using real conversations, not simply look for keywords.Atlas 2.0 also makes business development easier than ever. With Opportunities, you can track, manage and grow client relationships, powered by generative AI and built right into your workflow.Need insights? Custom dashboards give you total visibility over your pipeline. And that's not theory. Atlas customers have reported up to 41% EBITDA growth and an 85% increase in monthly billings after adopting the platform.No admin. No silos. No lost info. Nothing but faster shortlists, better hires and more time to focus on what actually drives revenue.Atlas is your personal AI partner for modern recruiting.Don't miss the future of recruitment. Get started with Atlas today and unlock your exclusive RAG listener offer at https://recruitwithatlas.com/therag/__________________________________________Episode Sponsor: HoxoEvery recruitment founder is investing in LinkedIn.Spending thousands on Recruiter licences.Building connections. Posting content. Growing networks.But here's the question almost no one can answer:How much revenue is LinkedIn actually bringing into your business?Most founders have thousands of connections but no clear process to turn that attention into cash.That's the problem we solve.At Hoxo, we help recruitment founders build predictable revenue systems on LinkedIn, not just noise or vanity metrics.Our clients are turning LinkedIn into...

On tonight's Rajeev's Corner, I'm breaking down the Big Ten's push for a power-weighted College Football Playoff model and what that stance means for the future of the sport. I'll also react to Ted Kellner's comments on ESPN Madison, where he said Wisconsin will land in the top third of Big Ten football spending next year — a major signal about the program's commitment and direction.Help The Bucky Report get some feedback! We would appreciate any listeners taking this short 15 min survey to help us grow the show! http://bit.ly/thebuckyreport-survey Hosted on Acast. See acast.com/privacy for more information.

Our Chief Global Economist Seth Carpenter and Global Cross-Asset Strategist Serena Tang return to conclude their two-part episode on 2026 outlooks and explain why the market environment is turning in favor of risk assets, especially U.S. stocks.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts in the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist.Serena Tang: And I'm Serena Tang, Morgan Stanley's Chief Global Cross-Asset Strategist.Seth Carpenter: Yesterday, Serena, we discussed our views on the global economy, and today I'm going to turn the tables on you and start asking you questions about our market outlook and how to invest across regions and across asset classes.It's Tuesday, November 18th at 10am in New York.Alright, Serena in 2025, global markets rode some significant volatility driven by tariffs, policy uncertainty. Things went up, they went down. Equities ultimately outperformed bonds as rate cuts began. But cross-asset strategy depended so much on identifying correlations, opportunities – all in a world that is still adapting to the new geopolitical dynamics and what seemed like evolving rules.So, with that backdrop, could you just broadly tell us what the investment strategy should be in 2026?Serena Tang: We think 2026 will be a strong year for risk assets as you have unusually pro-cyclical policy mix that's supportive of earnings. And that frees up markets to shift the focus from global macro concerns, which of course have dominated this year, to more micro asset specific narratives. Particularly those related to AI CapEx investment.And I think such a constructive environment really calls for a risk on tilt. We recommend equities over credit and government bonds, with a preference for U.S. assets.Seth Carpenter: Okay. I think last year we had some preference, at least for U.S. equities. Are there any other big rotations versus more of the same that you really want to highlight for folks?Serena Tang: In terms of, I think the strategy outlook itself, a big shift has been what we think drive investor focus the most. Our strategy mid-year outlook had focused heavily on global macro risks, right? Especially those, I think, emanated from trade tensions, which you alluded to earlier.I think this time around as the distribution of outcomes on tariffs, I think, has become a bit narrower, it's very much more about asset specific stories. And yes, you know, to your point about being, bullish on U.S. equities, we've maintained that view this time round and believe that U.S. equities can generally do better than rest of world.As you know, Mike Wilson, a colleague and chief U.S. equity strategist, he has a price target of 7800 for the S&P 500 index …Seth Carpenter: Wow.Serena Tang: Beating the expected returns from other regional equities by like quite a bit. So that's not changed. But I think that with this backdrop of post cyclical policy combo lifting U.S. earnings, we've also turned more bullish on high-yield corporate credit – that is bonds which are riskier.I think very much like U.S. equities, we believe that the asset class can benefit from the combination of monetary deregulation policy. But there's also like a very interesting technical component there, which is, as we expect, a surge in investment grade issuance to fund AI related CapEx. I think the high-yield market will be more insulated from this, which means outperformance versus higher quality corporate bonds.Seth Carpenter: Got it. Okay. So, as you're coming up with these strategies and these recommendations in lots of ways, it just relies on forecasting. And I have to say I'm sympathetic to how hard forecasting is, especially when it comes to the future. In our economic forecast, we also included a bunch of different alternate scenarios because I just see that much uncertainty in the global economy.So, with that as a backdrop, nothing is for sure. But where would you say your highest conviction calls are when it comes to investing in 2026?Serena Tang: Well, as I mentioned, we like U.S. equities and that remains a very high conviction call for us. [I] sort of dug through the details of that already. And so, I want to turn to a[n]other high conviction view, which is curve steepening. We see pretty material U.S. treasury curve steepening over the next year. I think even as a macro strategist, actually expect yields at least in the backend to be mostly range bound. And this steepening will be very much driven by what happens in the two-year point – I think as markets continue to, we think, underpriced, future Fed easing and growth slow down tail risks.Seth Carpenter: So that's super helpful in terms of the places where you're convicted. Let me be perhaps a little bit unfair because nothing is in fact certain. And so, if there are things that we feel pretty sure about, there've got to be things where we're either not sure or parts of the market that really pose the most risk.So, if I asked you then, where do you see the biggest risk for investors in markets next year, what would you say?Serena Tang: So, one of them really is AI investment cycle abruptly ending. And this has been a topic of huge debate in all of the investor meetings that we've had over the last several weeks. Because the idea is you have a sharp pullback in investment in the next 12 months, which could trigger a pretty cascading effect. And of course that would likely pressure U.S. equities, I think given hyperscalers index weight. But could weirdly enough benefit IG credit by reducing issuance, which has been the main driver of wider spreads in our forecast. But I think the other risk here actually is if animal spirits run a bit too hot. Underlying our equities over credit over rates allocation is some revival in animal spirits, but it's not the kind of irrational exuberance that marks the end of cycle in our view.Given, I think there's still rational belief in that policy triumvirate that we touched on earlier, that can still be supportive of risk. But you know, I think if sentiment does overheat then our allocation tilt towards cyclicals and beta would be wrong. And historically late cycle expansions see investment grade outperforming high yield inequities, with bonds eventually leading returns.The last risk, I think, to our asset allocation, is really the Fed. Either the FOMC not easing further over the next 12 months or if it changes its reaction function. And I think both of those will have very different implications of what happens to the front end of the yield curve. So, my question to you, Seth, is what do you see as the probability around both of those scenarios?Seth Carpenter: Look, with the data that we have before the government shut down, it was clear there was a tension. Spending by households, spending by businesses was strong. Employment data were getting weaker and weaker, and the Fed has decided to start cutting to err on the side of insulating against further deterioration in the labor market.So, one thing that could upend our forecast is that the real signal is from the spending. Spending stays strong, the labor market eventually catches up to the stronger spending, and we start to see job gains come back. If that happens, especially with inflation now running notably above the Fed's target, I just don't really think we're going to get anywhere near the number of rate cuts that we forecast or that are already priced into market. So, you'd have to see a reversal.How likely is that you can't rule it out? I'd say 20 percent or something like that. Maybe a little bit more. On the other hand, to the downside. I wonder if what you're getting at a little bit is there's going to be some turnover in the personnel at the Fed. And do we have to worry about a fundamentally different reaction function from the Fed going forward and cutting rates aggressively, even if the macro considerations don't warrant? Is that really what you were getting at?Serena Tang: Yes. I think that has been the question on the forefront of investors' minds…Seth Carpenter: Yeah, I think that's a real question. The way I look at it is Chair Powell is in charge of the Fed now. His term goes through May of next year. And so, until we get to the middle of next year, I don't really think there's any fundamental change in how the Fed does business. But it really does seem like we're going to have a new Fed chair in June of next year. But even there, we have got to remember that the committee is a committee and that's how policy is decided. And so, if there was a new chair who really, really, really wanted to take policy in a truly unorthodox way, I also don't think that's really feasible over the second half of next year – because there just won't have been that much turnover in terms of the personnel of the Fed. That's how we're looking at it for now. I really don't think that latter version of the world is a big risk. That said, I'm going to throw it back to you [be]cause I always have to get the last word.You talked about asset classes, bullish on U.S. equities. We talked about high yield bonds; we talked about some of the risks that markets have to face. But one thing I didn't hear – and we do have a global investor base – Is about currencies and specifically the dollar.So, this time last year, the team made a pretty bold call that the dollar would depreciate a great deal. And here we are and the dollar has come off a lot on net over this year. That stabilized a little bit. Maybe not for the whole year [be]cause that kind of forecasting is hard for currencies. But what do you see over the next few months called the next half year for the dollar? Is it going to continue the trend or do you think we should see a reversal?Serena Tang: So, we do think the dollar will continue its trend downwards from here to the middle of next year. And I know, I know. There's been a lot of discussion, there's been a lot of debate around whether the dollar has basically stopped where we are. But the thing is, you know, going back to what you mentioned around the path for growth in the U.S. and unemployment in the U.S. – if we do see softer economic data in the first half of next year, that can drive the dollar downwards. In fact, we're once again, more bearish than consensus on the dollar by the middle of next year.Seth Carpenter: Got it. All right. That's super helpful. Serena, thank you so much for taking the time to talk with me today and let me ask the questions of you.Serena Tang: Always a pleasure, Seth.Seth Carpenter: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or a colleague today.

China has been on a giant global shopping spree. Since 2000, Chinese state banks have fuelled investments and acquisitions at a surprisingly rate - some four times what was previously thought. Brand new data, shared exclusively with the BBC, reveals that many of Beijing's state-backed spending has targeted rich countries. Such deals are strictly legal, though not always easy to trace. Observers in the United States, Europe and elsewhere are alarmed at the potential for Beijing to dominate key technologies and turbo charge its technological might. Celia Hatton investigates the sometimes murky ways in which Chinese state money can be traced to sensitive industrial sectors. But she also discovers that shutting out Chinese influence is not easy or desirable.

Title: A 52-Week Plan to Get the Most Amount of Referrals in the Shortest Amount of Time WITHOUT Spending a Dime Host: Michael J. Maher Guest: Sheri Maher Description: In this powerful and practical episode, Michael and Sheri break down one of the most misunderstood — and most important — distinctions in real estate success: the difference between a traditional business plan and an appreciation plan. You'll learn why a business plan sets your direction, but an appreciation plan fuels your referrals… and your results. They also dive into how to grade your database, who truly deserves more of your time, and why chasing strangers is the fastest way to burnout — while communicating with friends is the fastest path to referrals. PLUS, Michael drops an early leak of our Black Friday special that will transform your 2026 before it even starts. (7L) Referral Strategies Podcast Topics: YAPS, Grade your database Special Offer: Michael reveals our Black Friday special EARLY on this episode! Get all the details — and lock in an entire year of leadership and coaching from Michael for less than $1,000 — at www.YAPSworkshop.com This special gives you a full year of guidance on building your 2026 plan, choosing the right events, implementing a real buyer process, mastering networking for referrals, and so much more.

In today's world, money defines success, security and self-worth. but God's way is radically different. In this episode, Chad and Robert dive into the biblical principles of money, wealth, and generosity. They talk about giving, saving, contentment, and why financial peace starts with spiritual surrender.Subscribe to receive our latest videos!Website: https://www.sunvalleycc.com/Facebook: https://www.facebook.com/sunvalleycc/Instagram: https://www.instagram.com/sunvalleycc/Tiktok: https://www.tiktok.com/@sunvalleyccTo support Sun Valley and help us continue to reach people all around the world click here: https://www.sunvalleycc.com/givingGod loves you no matter who you are, what you've done, or what's been done to you. This is the vision of Sun Valley Community Church, led by Pastor Chad Moore and based in Gilbert, AZ with multiple locations throughout the Phoenix valley.Chapters:00:37 Why We Should Give to the Church  01:23 Regret in Spending vs. Giving  02:01 How Generosity Built Wealth  02:40 Give First. Save Second. Live on the Rest.  03:40 Following Jesus Means Full Surrender  04:37 What It Means to “Die to Yourself”  06:05 Discipline, Accountability, and Trust  07:26 Jesus Always Knows What's Best  08:16 Faith in Action: Marriage, Money, and More  09:38 Galatians 2:20 and Living by Faith  11:39 Finances as Evidence of Faith  12:27 Why Talking About Money Feels Uncomfortable  14:40 Spend Less Than You Make  15:50 Biblical Principles vs. Cultural Lies  17:36 Why Kids Are Happier Than Adults  19:36 Stingy With Giving, Risky With Spending  21:26 How Money Destroys Relationships  22:05 The Power of Contentment  23:11 The Bible's Simple Money Plan  24:52 How Credit Cards Derail Contentment  25:54 Honor God. Build Wealth. Learn Contentment.  26:45 Stewardship Over Stuff  27:44 Wisdom Is Better Than Money

If your daughter dreams of playing in college but you're overwhelmed by where to start, this episode breaks the process down into something clear and doable. Coach Bre talks with David Hitz, COO of Athlete Narrative, about what recruiting really looks like today and how your athlete can get noticed without expensive platforms or endless research.

In this solo catch-up episode, Valeria invites listeners into a candid life update that is messy, honest, and a little chaotic in the best way. She recaps her recent trip to Nashville and the inspiring female entrepreneur event she attended before diving into a wide-open Q&A. From beauty procedures and where she stands on lip filler to the latest on her nose job and why she doesn't wear her engagement ring, nothing is off the table. Valeria also talks about reconnecting with her body, the importance of intentional time with girlfriends, and the perspective that keeps her from living with regrets. She shares a therapy update, her best advice for keeping a marriage thriving, and why she believes there's no single “right” way to live, especially in a place overflowing with possibility. Shop my looks from this episode: https://shopmy.us/shop/collections/2924722 Follow me: https://www.instagram.com/valerialipovetsky/  What I talked about:  0:06 - Why this episode might be a rough but fun one 0:26 - Debriefing her Nashville trip 2:55 - Female entrepreneur event with Emma Grede 8:00 - Start of Q&A portion 8:23 - Recent beauty procedures 15:29 - Update on her nose job 16:02 - Not wearing her engagement ring 17:18 - Tips for connecting to your own body 19:17 - Spending intentional time with girlfriends 21:09 - Why she wouldn't change any part of her past 24:27 - Therapy update 25:49 - Advice for keeping your marriage alive & well 29:35 - Never being set in a right or wrong way to do things 31:45 - The abundance of living in Miami / The U.S. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's always a pleasure to welcome back Dr. Shane Enete—Associate Professor of Finance at Biola University, founder of Biola's Financial Planning Program, and creator of The Money Storybook Bible Podcast. His creative work helps parents disciple their children in biblical stewardship by weaving financial lessons into retold Bible stories.When asked what inspired the podcast, Dr. Enete explained that the idea grew from a common question he receives: “How can I teach my kids about money?” His realization was simple yet profound—the Bible already does this. “The Bible talks about money more than almost any other topic, and it's filled with stories for all ages,” he said. “So I thought, what if I just told these stories to my kids in a way that helped them see themselves in the story and learn about money at the same time?”Stewardship as an Expression of LoveFor Dr. Enete, the goal goes far beyond teaching budgeting or saving. “Stewardship is one of the greatest opportunities we have to express our love for Jesus,” he said. “When we share, we're loving Him and others.”He hopes parents and children alike will see money not as a source of stress or status, but as an opportunity for love, wisdom, and worship. “I want kids to understand the dangers of debt and discontentment,” he added, “but even more, I want them to know that Jesus is everything—and that money can be used to love Him.”Storytime with a PurposeEach podcast episode features Dr. Enete reading to his own children, with interactive moments that bring the stories to life. “We start with fun icebreakers, like a ‘Would you rather' question, then read a Bible story together,” he explained. “Afterward, I ask questions to help them reflect, and we finish with a hands-on activity that reinforces the lesson.”One of Dr. Enete's favorite family moments came from a story about Solomon. “I asked my kids which world they'd rather live in—one where they're rich but don't know Jesus, or one where they have Jesus but not the riches. They didn't even hesitate—they chose Jesus. That's when I knew these lessons were hitting home.”The Story of Lydia: Business as MinistryOne memorable episode, Purple Snail Robes, retells the story of Lydia from Acts 16. In Dr. Enete's version, Lydia initially wants to give away her wealth to follow Paul, but he helps her see that her business can be a ministry in itself.“Sometimes God wants us to serve Him right where we are,” Paul tells her. “When you share what you have and do your work with skill and kindness, you're showing people who Jesus is.”Dr. Enete shared that Lydia's story was inspired by the idea of Gospel Patrons—those who use their resources to fuel God's work. “Lydia was one of the first gospel patrons,” he said. “I wanted kids to see that our work and business can glorify God. Plus,” he laughed, “the fact that purple dye came from smashed snails makes it extra fun for kids!”The Story of Nicodemus: Costly GenerosityAnother powerful episode, 75 Pounds of Spices, reimagines Joseph of Arimathea and Nicodemus as they prepare Jesus' body for burial—with a young girl named Abigail watching nearby. The story illustrates generosity that is both courageous and costly, as Joseph donates his tomb and Nicodemus buys an extravagant amount of burial spices.Even little Abigail joins in, offering her treasured blue necklace to honor Jesus. “That moment shows that no act of generosity is too small,” said Dr. Enete. “It's a picture of giving that flows from love—something children can grasp in a tangible way.”Free Resources for FamiliesTo help parents extend the lessons at home, Dr. Enete created a free activity book that pairs with the podcast. It includes fun exercises, badges, and a certificate of completion—each tied to key money principles like giving, saving, and contentment.You can find the podcast and resources at WholeHeartFinances.com.At the heart of The Money Storybook Bible Podcast is a simple but transformative message: Jesus is the true treasure. Teaching kids about money isn't just about dollars and cents—it's about helping them see that every financial decision can be an act of love for God and others.As Dr. Enete put it, “More than anything, I want kids to know that money isn't the goal—knowing and loving Jesus is.”On Today's Program, Rob Answers Listener Questions:I've been diagnosed with a terminal illness and care for my four-year-old grandson. I have $100,000 in life insurance, $50,000 in retirement savings, and $20,000 in cash. How can I set up a trust and invest wisely to provide for him after I'm gone? Also, does the guardian I choose also control the trust, or must they be named separately as trustee or beneficiary?I've seen ads claiming thieves can steal your home's title unless you buy special insurance. Is that a real concern or just a scare tactic?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The Money Storybook Bible PodcastWhole Heart FinancesWhole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy by Dr. Shane EneteWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sent us text! We would love to hear from you!Those who resist Artificial Intelligence (AI) are likely to find themselves falling behind their counterparts in a manner similar to those who didn't believe in computers a few decades ago. It makes more sense to become familiar with the basics this new operating technology that is increasingly becoming part of the foundation of much of the present day world of work.  The fear of job-loss from  automated intelligence is understandable. Therefore, it is prudent to be on the leading edge of this global reality, instead of making believe it doesn't exist, and being left in the dust by all those willing to learn.We spend all of our working lives earning money for the expenses of life that need to be paid. Those who are prudent set aside a certain portion of their earnings for savings that will hopefully grow in the future. The question at hand is one most of us don't think of. When is the appropriate time to focus on your money's distribution instead of accumulation? With advanced age comes reduced mobility, so don't wait to long to use some of your gains and enjoy your life.The pressures in modern life, part of day to day living, can interrupt the flow of positive feelings in us all. With whatever is going on, one needs to have hope, and particularly hope for the future, especially if you are going through a rough patch at the present time. Studies show that hopeful people have better lives overall as well as health outcomes to match.Meet a family of wingmen, headed by a now-famous athlete, hailing from humble beginnings that took him from city streets to world-wide fame. This athletic family literally plays together and stays together as they watch over one another.

Garrett Melson joins Diane King Hall at the NYSE set to get his vantage point on the current markets. He examines the gains between the Mag 7 and the "S&P 493" to break down the performance between them. Garrett doesn't see any let up in capex spend from the hyperscalers and says the market pessimism isn't making sense to him. On the more macro front, he sees a potential "pause and skip" for the FOMC. Garrett later looks at the jobs market, with a low hire/low fire rate continuing to limit job openings calling it a "linear cooldown" but not a cracking in the labor market. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Hour 4 with Joe Starkey: What changed for Mason Rudolph over the years? Mason Rudolph has done a good job playing with pace and working with the offense. Darnell Washington is showing great signs and has unique talents. Darius Slay is going to return as a starter. Jeff Passan is reporting that the Pirates offered Josh Naylor double the contract they signed Francisco Liriano too. Passan linked the Bucs to Kyle Schwarber!

Jeff Passan is reporting that the Pirates offered Josh Naylor double the contract they signed Francisco Liriano to. Like Skenes said, talk is cheap. We want to see the Pirates get something done. Passan linked the Bucs to Kyle Schwarber! There are two Japanese hitters the Pirates have been linked to.

In this episode, Aqura shares five spending hacks for 2025 that will help you keep more money this month without sacrificing your lifestyle. If you are someone who wants to pay off debt, save more, or invest consistently but feels like overspending keeps getting in the way, this episode is for you.You will learn five practical strategies that Aqura and her clients use to simplify spending, prevent overspending, and stay focused on financial goals without guilt or restriction. These tips are clear, doable, and help you keep more money without overcomplicating your finances.To learn more about 1:1 money coaching with Aqura click here. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.Subscribe to Surplus Living to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.Follow Aqura on Instagram.

Segment 1: Ryan Messner, President of Long Grove's Historic Downtown Business Association, joins John Williams to talk about all the holiday festivities the town has planned for the upcoming holidays. Segment 2: Matt Schultz, LendingTree Chief Consumer Finance Analyst, talks with John about a new Lending Tree survey that shows Thanksgiving hosts are expected to spend an average of $487 […]

A new University of Oxford report finds a rapid switch to renewables could double energy-sector productivity in low-to-middle income economies within 25 years. In many countries, this would result in a GDP boost by mid-century of around 10%. "Opting for clean energy could be an economic boon for solar-rich countries such as Burundi, DR Congo and Mozambique," says Professor Sam Fankhauser, Interim Director of Oxford Smith School of Enterprise and the Environment. "For context, 10% of GDP is roughly the amount countries typically spend on public health. These productivity gains are unprecedented, and it could be the developing countries that benefit the most." The importance and benefits of a clean energy transition Renewable energy boosts productivity in two ways: more electricity is generated per dollar invested, with fewer losses (for example to heat) compared to fossil fuels, and renewable energy is cheaper - enabling households, businesses and industries to run for longer at lower cost. The report quantifies this gain over the next 25 years and finds that renewable energy productivity gains are much higher in the Global South, resulting in an important advantage in the growing net zero economy. Renewables could finally start to close the income gap between rich and poor countries, say the authors. The report, part of a three-year research programme funded by energy company SSE, also investigates how renewable energy investment has already boosted GDP in low and middle-income countries as compared to fossil fuels. Spending on renewables gets multiplied in the local economy much more than fossil fuels - along the supply chain and through local wages. The analysis shows that from 2017-2022 this has boosted the GDP of the 100 largest developing countries (excluding China) by a combined US$1.2 trillion - the equivalent of 2 to 5% of GDP for most nations. In COP30 host Brazil, renewable investments raised GDP by US$128 billion. However, the authors caution that the economic benefits of renewables do not automatically flow to host communities. Instead, deliberate benefit-sharing mechanisms such as community benefit funds and co-ownership are needed. The report concludes by emphasising the potential of distributed renewable energy for accessibility and inclusion. "The success of the renewable energy transition will depend not only on lower costs and higher productivity - both of which are now all but guaranteed - but on our collective ability to ensure that its benefits are fairly and widely shared, leaving no community behind," says Professor Fankhauser. Rhian Kelly, Chief Sustainability Officer at SSE, comments: "Meaningful consultation must sit at the heart of every approach to community engagement. The most successful models go well beyond minimum requirements, reflecting the priorities and context of local people. By sharing learnings, we can identify what works best - and ensure that dedicated community funds are transparent, flexible, truly responsive to local needs. In the UK and Ireland, these funds have already supported more than 12,000 projects. With clear policy frameworks - including minimum contribution thresholds and standardised benefit-sharing agreements - we can build on this success and deliver lasting benefits for communities." The report will be uploaded here: https://www.smithschool.ox.ac. uk/research/economics sustainability About the Smith School of Enterprise and the Environment The Smith School of Enterprise and the Environment at the University of Oxford equips enterprise to achieve net zero emissions and the sustainable development goals, through world-leading research, teaching and partnerships. https://www.smithschool.ox.ac. uk/ See more breaking stories here.

It was Christmas Day 2017 when 35-year-old David Horn Jr. vanished from Marcus Hook, Pennsylvania. At the time, Dave was living alone just around the corner in Trainer. That evening, the Philadelphia Eagles were set to play the Las Vegas Raiders. Dave had been born and raised in the Philadelphia area and was a devoted Eagles fan. Spending a holiday night at a neighborhood pub to watch the game would not have been unusual for him. What was unusual was that as other fans were filing in to settle down for the Christmas night game, Dave walked out of the bar. No one ever saw or heard from him again.Dave had plans to leave for a trip to Las Vegas right after the holiday, so when he went quiet, friends and family assumed he was already there. But in early January, Dave's father went to check on him and found an unsettling scene. Dave's truck was still parked outside. Inside, the lights and TV were on, and his belongings appeared untouched. Even the plane tickets for his upcoming trip were sitting out in plain view. Then his father noticed the basement door had a broken window with what looked like blood on it.By then, precious days had already passed. As his family retraced his steps, they confirmed that the last known sighting of Dave was at the pub in Marcus Hook. They learned he had ordered an Uber that evening, but the ride was canceled. After that moment, his trail went cold. Nearly eight years later, Dave's loved ones are still searching for answers about what happened that Christmas night and why he never made it home.If you have any information about the disappearance of David Horn Jr., please contact the Trainer Borough Police Department at (610) 494-7399.If you have a missing loved one that you would like to have featured on the show, please fill out our case submission form.Follow The Vanished on social media at:FacebookInstagramPatreonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

0:30 - CTU spending 17:53 - Epstein 38:39 - Border/migrants/deportations 01:02:25 - Why Dan Proft is Single 01:22:35 - Visiting fellow in The Heritage Foundation’s Allison Center for Foreign Policy Studies, Steven Bucci, on cartels and the unanswered questions about the Trump shooting in Butler, PA. 01:43:01 - Paul Vallas, senior policy advisor at the Illinois Policy Institute and former CPS CEO and mayoral candidate, calls out Brandon Johnson’s budget — warning rising costs are driving people out. Paul also writes a weekly column for the Chicago Contrarian - keep up with Paul on X @PaulVallas 01:59:50 - RealClearPolitics’ national political correspondent, Susan Crabtree, on LA's rebuild and California officials' incompetence as Palisades Residents Bemoan Fire Response. Susan is also co-author of Fool’s Gold: The Radicals, Con Artists, and Traitors Who Killed the California Dream and Now Threaten Us All 02:19:47 - Sam Olson, ICE Chicago Field Office Director, responds to conflicting reports on the success of Operation Midway BlitzSee omnystudio.com/listener for privacy information.

Summary In this transmission, Clayton Cuteri delves into various pressing topics, including the release of the Epstein files, the implications of US-Israel financial relations, and the consequences of military spending on American society. He emphasizes the need for transparency and accountability in government, while also exploring the broader themes of consciousness and social justice. Clayton advocates for a shift in priorities towards education, healthcare, and community welfare, envisioning a future where the government serves the interests of the people rather than the military-industrial complex. In this transmission, Clayton Cuteri also discusses the implications of U.S. funding to Israel, the impact of closing the hemp industry, the consequences of tariff wars, and the ongoing strikes in Venezuela. He emphasizes the need for awareness regarding political choices and the dehumanization of immigrants, while advocating for empowerment through knowledge and wealth creation.Clayton's Social Media LinkTree | TikTok | Instagram | Twitter (X) | YouTube | RumbleTimecodes 00:00 - Intro01:30 - The Epstein Files: Unveiling Controversies11:42 - US-Israel Relations and Financial Implications17:20 - The Consequences of Military Spending22:11 - A Vision for a Better Future28:04 - The Hemp Industry Shutdown30:53 - Venezuela Strikes and Innocent Casualties39:15 - The Illusion of Political Choices46:42 - Empowerment Through Knowledge and WealthIntro/Outro Music Producer: Don Kin IG: https://www.instagram.com/donkinmusic/Spotify: https://open.spotify.com/artist/44QKqKsd81oJEBKffwdFfPSuper grateful for this guy ^NEWSLETTER - SIGN UP HEREBecome a supporter of this podcast: https://www.spreaker.com/podcast/traveling-to-consciousness-with-clayton-cuteri--6765271/support.

When Ron Blue joins us, it's always a masterclass in biblical wisdom. He's co-founder of Kingdom Advisors, a best-selling author, and a trusted mentor to many. Ron has spent decades helping believers apply God's principles to every area of life and business.Today, Ron unpacks what Scripture teaches about partnerships and how faith should shape the way we enter, manage, and exit them.The Broader Meaning of “Partnership”When the Apostle Paul warned believers about being “unequally yoked,” he wasn't speaking only about marriage. As Ron explains, “Paul was talking about partnerships—and there are so many kinds.”From professional firms and small businesses to investment ventures and partnerships, they can take many forms. And while they can be incredibly fruitful, they also carry spiritual and relational risks.Ron pointed out that partnerships often last a long time—sometimes decades. “The CPA firm I founded has been operating as a partnership for 50 years,” he said. “But not all partnerships endure well. Like marriage, many end in conflict.”Principle #1: Protect Your TestimonyRon's first principle is about spiritual integrity. “You have to ask what the partnership will do to your testimony,” he said. “If you're unequally yoked with someone whose values fundamentally differ from yours, you could lose your witness in the process.”He recalled being asked whether a Christian OB-GYN should enter a business partnership with a doctor who supports abortion. “Only you and God can answer that,” he said, “but it's a big question. Your witness is always at stake.”Principle #2: Plan Your Exit Before You Begin“Have your exit strategy in place before you form the partnership,” Ron advises.Just as couples prepare for challenges in marriage, business partners should anticipate potential separation. A clear exit plan protects both parties, ensures fairness, and helps maintain peace when the time comes to move on.“When you have that in place,” Ron said, “you avoid a lot of conflict and preserve your testimony if you're the believer who's leaving.”Principle #3: Preserve the Mission Beyond the RelationshipPerhaps the most powerful insight Ron shared was this: the mission must outlive the partnership.Ron recalled his own experience leading a financial planning firm. “After 23 years, I left—but no one left with me,” he said. “They were committed to the mission. That's what you want to see happen.”A strong exit strategy and shared vision help ensure that the work—and the witness—continue long after any individual departs.The Bottom LineShared faith isn't just good for business—it's essential for a lasting witness. Partnerships grounded in biblical principles reflect God's wisdom and preserve peace amid challenges.As Ron put it, “The most critical thing you want to preserve is your testimony. Everything else flows from that.”On Today's Program, Rob Answers Listener Questions:I'm concerned about vendors and service providers who want my bank account information for automatic withdrawals. I've been paying my lawn service with money orders, but now they require my account number. I told them we'd have to stop doing business because I'm not comfortable giving out that information. Isn't this kind of intrusive? What do you think about vendors wanting access to our accounts?My spouse and I are both 70 and ready to retire. I own 10 rental houses, but managing them has become too much. Once I sell the properties, what should I do with the proceeds? I understand the basics about capital gains and selling real estate, but I don't want the responsibility of managing individual stock investments myself.I've saved about $15,000 for a car, but have kept my current vehicle running as long as possible. It's a 2007 with 235,000 miles and is starting to have more issues. I found a good used car for about $8,500 and am wondering if I should buy it now or keep driving my current one until it dies, even though repairs may be on the horizon.My parents' health is declining, and we're moving them closer to family. Their current home is in an irrevocable trust, but we've found a condo they can buy before selling that house. Can the new condo be added to the same irrevocable trust? And when the old home sells, what happens to the proceeds?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Options flashing a bullish, but cautious, signal ahead of Nvidia earnings. Bernstein sees near-term risk for the country's biggest retailer. Plus, the $100M AI Super PAC picks its first target.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Our Indie Podcasters Report shows that once production goes past six hours, audio-only creators are the ones spending the most time in the edit. But why?The answer goes beyond workflow. Audio culture has always valued clean mixes, careful pacing, and detailed sound design, so creators tend to polish every moment. Video makers often move faster by embracing jump cuts and a simple top, tail, publish routine.That doesn't mean video is the easier path. It brings its own challenges, from codec issues and lighting problems to huge file sizes that slow everything down.In the end, this isn't a contest between formats. It is about understanding the differences so you can choose the approach that suits your skills, your time, and your goals.We also put our heads together to try and flesh out a USP for Colin's new podcast, discuss gear-related accessibility issues, and look ahead to the upcoming Black Friday deals season. Also MentionedAlitu: The Podcast MakerTellaaiCarouselsGensparkBlack Friday for PodcastersSeedpace Kids Audio PlayerThe Podcraft Academy

Each day, SDPB brings you statewide news coverage. We then compile those stories into a daily podcast.

Hawkish commentary from Fed speakers, a lack of economic data, and trouble balancing a dual mandate are all headwinds Rebecca Walser (@walserwealth) sees hitting the Fed. She explains how they conglomerate into markets pricing in a lesser chance for a December interest rate cut. On the A.I. trade, Rebecca talks about "bubbleistic" and "prickly" views on spending that she believes started with Oracle (ORCL). She adds that projections of a 7,800 SPX by the end of 2026 is attributed to analysts "pricing everything for perfection." ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Some ads catch attention instantly. Others struggle because the message isn't clear enough to speak to a real problem.Welcome back to Gym Marketing Made Simple, the show that helps boutique gyms communicate more clearly, attract the right members, and make marketing feel less overwhelming.Episode HighlightsThis episode breaks down how problem-solution copywriting helps gyms connect with people who are actually ready to join. Blake explains Facebook's new AI features, how to write for different customer avatars, and why clear language outperforms clever wording every time.Episode OutlineProblem-solution copy connects better than feature-focused messages.Facebook's new AI systems target people based on readiness to buy.Each avatar needs copy tailored exactly to their problem.Write copy in multiple formats to see what performs well.Specific headlines stop the scroll more effectively than broad ones.Clear, simple wording lowers cost per lead.Spending 3× the client value in month one gives Facebook enough room to optimize.Position the gym as the guide, not the hero.Strong CTAs help people take the next step without confusion.Small wording changes can make a big impact on performance.Episode Chapters00:00 Intro00:34 Writing Copy that Sells02:58 Understanding Avatars and Targeting04:36 Attention-Grabbing Headlines06:55 Testing and Refining Copy12:44 Positioning the Gym as a Guide13:32 Psychological Impact of CopyCall to ActionIf this conversation helps, share the episode with a coach or gym owner who could use clearer, easier messaging.Supporting Information

Imagine your power goes out tonight; no lights, no phone charger, no warning. Could you navigate your home in the dark, cook a meal without electricity, or contact your family if the grid stayed down for days? In this episode, we're going into simple, no‑cost and low‑cost prepping steps that build real resilience, things you can do right now with what you already have. From making a family code word to crafting DIY fire starters, you'll learn how to get prepared without spending big, just planning smart.Mentioned In This Episode:     Expanded Show Notes     Download The Episode Here     Click here for the Free Guide on "Clean And Treat Before Filling, Because Clean Storage Equals Safe Water" (Second in the series)     "The 31-Day Devotional For Preppers"     Battery BuddyIf you find value what we do, would you be willing to give back a little?You can do that one of several ways.     Go to our support page               OR     By starting your Amazon shopping from our website? --->  CLICK HERE        (We earn from qualifying Amazon purchases)Contact us:Practical PreppingWebsiteOur Sponsors:Practical Prepping BooksProof Minimalist Wallets (Discount code PREPPER)ProLine Digital Group   Website  Email1791gunleather.com (Discount code: PREP15) SurfsharkPodcast music written and recorded by Krista LawleyWebsite design and hosting by ProLine Digital Group.Podcasts Copyright 2025, P3 Media Group, LLC, and Practical Prepping Podcast

Real talk:We're in the final stretch of the year.And this is the season when your energy can either feel focused and intentional — or completely scattered and drained.Between holiday plans, wrapping up work projects, social gatherings, and trying to finish the year “strong,” it's so easy to end up spending your energy everywhere — but not really investing it anywhere that truly matters.So today, I want to pause with you and ask a powerful question:

Health scares. We all think they won't happen to us… until they do.This week, we're opening up about the most unhinged (and terrifying) things we've gone through with our health. From losing organs overseas to ignoring symptoms until it was almost too late.In partnership with @fwd.malaysia, we're talking about how it really feels to deal with sudden health scares, critical illness, and the price you pay - physically and financially - when you keep saying “I'll deal with it later.”From now until 31 December 2025, customers who purchase FWD CI Intense Shield will stand a chance to win one of ten 0.1g yellow gold wafers from FWD Insurance. Contact FWD Insurance's Wealth Advisor today and mention the code TTFWD when you sign up!This episode might make you call your doctor… and your insurance agent. You might wanna sit down for this.Comment FWD FTW if you've watched till the end! #FWDInsurance #CelebrateLliving #CriticalIllnessAwarenessFollow FWD Insurance on Instagram at:https://www.instagram.com/fwd.malaysia/Follow Joyce on Instagram at:https://www.instagram.com/joycicle_/Follow Caleb on Instagram at:https://www.instagram.com/calebbbby/CHAPTERS01:16 - New Familiar Faces 01:10 - The sickest lineup thus far02:20 - Do sick people like being pitied?!04:50 - Worst things we've done to fake sick 07:40 - Microdosing food poisoning 09:20 - THE MAN FLU. 10:24 - Is your doctor fear irrational?10:50 - “You have psoriasis because you're depressed”12:50 - Self medicating till you're choking 15:00 - I can fix myself vs SEE A DOCTOR15:30 - How Caleb lost a gallbladder in Korea 18:40 - Heartburn located under the ribs 21:00 - Getting your organs trafficked 23:10 - “You wait another day you would've gone blind”30:15 - Having the insurance against cats31:00 - Getting diagnosed with MS (Multiple Sclerosis)33:00 - Washing machine your plasmas 34:00 - “I've only seen this in literature” 35:00 - Getting discharged straight into the ICU38:15 - Symptoms so you don't brush things off40:00 - Waiting 3 months for treatment43:50 - If it lasts 36 hours, GO SEE DOCTOR. 46:11 - The Price of Waiting One Week (RM28K)47:00 - Spending a few RM100K on hospitalisation 48:30 - When you get baby insurance too late50:20 - Is insurance a scam?52:30 - Treating cancer without insurance 56:20 - Pseudosymptoms 58:00 - Self diagnosing Stage 1 Arthritis 01:00:00 - Can we sue???01:00:50 - Don't choose work over your health!!!01:02:38 - Crisis level acute high blood pressure

The Senate's ambitious plan for a four-bill spending package faces an uphill climb. Proponents of a congressional stock trading ban gear up for a Wednesday hearing. And defense contractors want "right-to-repair" language removed from the defense authorization bill. David Higgins has your CQ Morning Briefing for Monday, Nov. 17, 2025.

Ag employers took a big sigh of relief last month after the Department of Labor revised the methodology for determining the H-2A program's Adverse Effect Wage Rate.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3355: Jennifer explores seven thoughtful investments that consistently pay off in the long run from personal growth to practical tools that save time and stress. Her insights challenge the guilt often tied to spending, encouraging more intentional choices that align with your values and enhance everyday life. Read along with the original article(s) here: https://www.simplyfiercely.com/7-things-you-will-never-regret-spending-money-on/ Quotes to ponder: "You'll never regret spending money on things that help you grow as a person." "Spending money to save time and energy isn't lazy, it's strategic." "When you say yes to something, you're saying no to something else, so make your choices count." Episode references: Atomic Habits: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

Study Guide | Download Audio File This week, Pastor Eric continues The R.I.C.H. Life series with a message called Controlled Spending. Discover how biblical wisdom can bring peace, freedom, and purpose to your finances. Learn practical ways to budget wisely, resist greed, and enjoy the life God wants for you. It's a reminder that when […]

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3355: Jennifer explores seven thoughtful investments that consistently pay off in the long run from personal growth to practical tools that save time and stress. Her insights challenge the guilt often tied to spending, encouraging more intentional choices that align with your values and enhance everyday life. Read along with the original article(s) here: https://www.simplyfiercely.com/7-things-you-will-never-regret-spending-money-on/ Quotes to ponder: "You'll never regret spending money on things that help you grow as a person." "Spending money to save time and energy isn't lazy, it's strategic." "When you say yes to something, you're saying no to something else, so make your choices count." Episode references: Atomic Habits: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

Study Guide | Download Audio File This week, Pastor Eric continues The R.I.C.H. Life series with a message called Controlled Spending. Discover how biblical wisdom can bring peace, freedom, and purpose to your finances. Learn practical ways to budget wisely, resist greed, and enjoy the life God wants for you. It's a reminder that when […]

On this episode of The Federalist Radio Hour, Grover Norquist, president of Americans for Tax Reform, joins Federalist Senior Elections Correspondent Matt Kittle to discuss the history of the partisan power struggle for the national purse and explain what Democrats got out of the latest and longest government shutdown. If you care about combating the corrupt media that continue to inflict devastating damage, please give a gift to help The Federalist do the real journalism America needs.   

After decades of saving/investing, it's hard to immediately flip a switch and go into spending mode. Spending is a skill that you should develop on your way to FI, so that you're better at it when the time comes to really do it. Here's what worked for me over the last few years! Highlights How to reframe expenses and recalibrate how you value money (e.g. College Calculation, 0.01% Rule, etc.) Why you should expect inefficiencies/waste as your net worth grows The benefits of splurge accounts and forced annual-spending targets Balancing the idea that "everything is free" with the benefits of incremental improvements The importance of prioritizing "now" over "the future", while still spending/saving for both How to give more while increasing the personal benefits of that giving

It's another Coca Thursday! This one is filled with Coca defending fans and David defending ownership! Per usual! Just remember that these are friendly conversations and we all love each other! Hope you enjoy and we'll see you again on Monday! Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this highlights edition of Ask KT & Suze Anything, Suze answers questions about annuities, CD callbacks and medical debt. Plus, a Roth quizzy and so much more! Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

It's another Coca Thursday! This one is filled with Coca defending fans and David defending ownership! Per usual! Just remember that these are friendly conversations and we all love each other! Hope you enjoy and we'll see you again on Monday! Learn more about your ad choices. Visit podcastchoices.com/adchoices