Podcasts about spending more

Roth conversions are almost a buzzword today, with many people jumping into them like they're a guaranteed fix for tax worries—much like rushing into surgery hoping it will solve all your problems. But just like surgery, Roth conversions require careful consideration, and they're not always the right solution. Before deciding to convert, it's essential to understand why not to do it.Here are some key reasons to skip—or at least pause—on Roth conversions:- Lower Future Tax Bracket: If you anticipate being in a lower tax bracket during retirement, it might not make sense to pay taxes upfront. For example, retiring and moving to a no-income-tax state like Texas can naturally reduce your tax obligations.- No Significant RMD Issue: If your required minimum distributions (RMDs) won't be large enough to push you into a higher tax bracket, the urgency to convert may not exist.- Charitable Giving Plans: Those planning to donate through qualified charitable distributions (QCDs) after 70½ can leave funds in tax-deferred accounts, making those donations tax-free without needing to convert.- Social Security Tax Torpedo: Conversions can increase your provisional income, causing more of your Social Security benefits to be taxed, effectively raising your tax rate.- Medicare Premium Surcharges (IRMAA): Conversions can push your income above IRMAA thresholds, leading to higher Medicare premiums.- Spending More or Retiring Earlier: Sometimes, simply increasing your spending or retiring sooner can reduce the need for conversions by naturally lowering tax-deferred account balances.While Roth conversions can be a valuable tool, they're not a one-size-fits-all solution. Thoughtful planning and understanding your unique financial situation are key to making the right choice.Submit your request to join James:On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply Here Timestamps:0:00 - Roth conversions are like surgery3:07 - Questions that prompted this episode5:28 - Why not to do a Roth conversion8:38 - RMDs prompt Roth conversions10:50 - Spend more money, and retire earlier13:27 - Rethinking what Roth conversions mean15:12 - A financial example18:06 - IRMA considerations22:31 - Knowing enough to be dangerous24:04 - More reasons to be cautious Create Your Custom Strategy ⬇️ Get Started Here.

Welcome to Season 11, unofficially deemed our *practical* era. Are your expenses outpacing your income? With inflation rising and wages lagging, many Canadians are feeling financial strain. Doug Hoyes and Ted Michalos discuss why government stats might not tell the whole story, why lowering interest rates won't solve everything, and share practical advice for anyone struggling to keep up with debt.  Timestamps: (0:00) Spending More, Not Making More? Hilarious Season 11 Premier with Doug Hoyes and Ted Michalos (1:00) How Different Groups Have Fared from 2019 to Now (3:00) Discrepancies in Government Stats: Inflation vs. Wage Growth (4:50) How Has Everyone Been Coping with Rising Prices and Stagnant Wages? (8:10) Looking Ahead: Why Falling Behind Might Be Inevitable for Some (9:20) Bank of Canada Rate Cuts: Why They Won't Make a Big Impact (10:28) The Reality of Recession: Focusing on the Most Vulnerable (13:10) The Pitfalls of Side Gigs and Increasing Income (14:50) Strategies to Decrease Expenses (17:22) Mindset Matters: Breaking Out of Unhelpful Financial Habits (19:15) The Future of Debt Free in 30: What to Expect Master Your Money! Subscribe to the Debt Free in 30 podcast, enable notifications, and follow us on socials for practical expert advice and engaging content: Watch: Debt Free in 30 YouTube Follow: Hoyes Michalos InstagramHoyes Michalos Facebook Hoyes Michalos TikTokHoyes Michalos Twitter (X)Hoyes Michalos LinkedIn Resources:“Joe Debtor” Hoyes Michalos Annual Bankruptcy StudyRising Interest Rates and Debt – Current Rates Tips to Avoid Debt Inflation is Driving Up Credit Card Usage  What To Do? Advice for Overwhelming Debt Disclaimer:The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized guidance from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Unit 3-3 Spending More than You Think? Our Guide to Avoiding Impulse Purchasing 每當我們走進商店，總是一不小心又買多了？究竟是哪裡出了問題呢？點開本集，來聽看看商家如何引誘你進行更多的消費，以及該如何避免掉入「衝動購物」的陷阱吧！

Unit 3-2 Spending More than You Think? Our Guide to Avoiding Impulse Purchasing 每當我們走進商店，總是一不小心又買多了？究竟是哪裡出了問題呢？點開本集，來聽看看商家如何引誘你進行更多的消費，以及該如何避免掉入「衝動購物」的陷阱吧！

Unit 3-1 Spending More than You Think? Our Guide to Avoiding Impulse Purchasing 每當我們走進商店，總是一不小心又買多了？究竟是哪裡出了問題呢？點開本集，來聽看看商家如何引誘你進行更多的消費，以及該如何避免掉入「衝動購物」的陷阱吧！

In this captivating podcast, join Joey Pool and Mourad as they explore the world of freelancing, creativity, and entrepreneurship. Discover the secrets to turning your passion into a profitable freelance career, with valuable insights and real-world experiences shared by the hosts. Gain practical advice and inspiration on thriving beyond the 9-to-5 grind. Whether you're a seasoned freelancer or just starting your journey, this masterclass will equip you with the knowledge and motivation to unleash your creative genius and unlock the path to success.  Joey, a freelance illustrator and artist, and Mourad engage in a dynamic conversation about the challenges and intricacies of being a freelance artist. They explore various aspects, including networking, the balance between personal artistic work and business-oriented work, and the journey from taking on any job to selecting the right clients. Joey emphasizes the importance of being visible both online and in real-life meetups while also separating artistic and business mindsets. He advises emerging freelancers to maintain a balance between personal artistic expression and client-oriented work, highlighting the need to protect oneself and manage time effectively. The discussion provides valuable insights for artists seeking to establish themselves in the freelance world and maintain a successful and fulfilling creative career. Timestamps (00:00) ⁠Joey Pool (03:00) Challenges of Combining Colors in Art (04:00) Pursuit of the Perfect Brushstrokes, Colors, and Details (06:00) Background and Transition to Becoming an Illustrator (07:00) Importance of Being True to Oneself (19:00) Relationship Between Personal and Business Work for Freelancers (22:00) Separate the Business-oriented Side From The Artistic Side (25:00) Goal of Spending More time On The Artistic Side --- Send in a voice message: https://podcasters.spotify.com/pod/show/mountain-collective/message

If you're not familiar with numbers, you might end up SPENDING MORE, especially when buying a house. This episode explains the differences in how numbers are described in Chinese and English. It helps you understand numbers better, so that you can avoid making “expensive mistakes”. - 对很多英文学习者来说，听懂英文中对于数字的描述是一大难点。本期节目，讨论中英文之间对"数字"和"数学单位"描述的区别，并帮助您更好地理解英文中有关数字的表达。

Find us on social media: Facebook & InstagramEmail us: hello@thetinlounge.com Discussion:How the 2023 TravelAge West Trendsetter Award Winners Are Leveling Up Their BusinessesWhat the Agency Industry Is Doing to Address the Advisor ShortageAdvisor Insight: Is Technology a Challenge or Benefit to Agencies As heard on Excess Baggage:Backcountry skiing startup Bluebird closesThe booking curve has lengthened, but tour companies say close-in trend lingersAmericans Taking Longer Trips, Spending More on Summer VacationsShort-Term Rental Market in US Experiencing Decline to Start 2023JetBlue Terminates Alliance With American After DOJ RulingCelebrity Cruises Launches New Caribbean Program for Summer '24Crystal Serenity Completes Sea TrialsU.S. State Department Launches Passport Fairs to Ease DelaysSee omnystudio.com/listener for privacy information.

Prosperity Intuitive Reading for Oct 2022 (Focus on Spending More).  I pulled this card from a deck I created for money manifestation. It is a symbol or sign for the energy you will encounter in the month. Intuitive Messages are always a call-to-action, so take the time to go within and uncover what this message is guiding you to do in October 2022. To learn more about the Massive Result Intuitive Coaching Package: https://www.intuitivecoachingwithamy.com/massive-result-intuitive-coaching-package.html

Welcome back! Small Axe Community! Today we have a powerhouse couple Michael and Lindsey Duguet!  Michael and Lindsey became interested in Real Estate Investing in 2018. They started their educational journey by reading REI books, listening to podcasts, and being active on Bigger Pockets. They joined Real Estate Elevated for intensive training and founded Duguet Estates in March 2019. Their first off-market single-family homes were purchased in May 2019, followed by a duplex in June 2019. They started direct mail campaigns and bought 4-plex and 3 single-family homes throughout the rest of 2019. They bought a 10-plex using off-market advertising in December 2020. All acquisitions were completely remodeled (most full gut jobs) and now are stabilized and all cash-flowing. They have enjoyed huge equity gains through forced appreciation.    They have successfully BRRRR'd with 100%+ cash out refinances on half of their portfolio which they have rolled over into new deals. Michael & Lindsey joined the MIH Mastermind in 2022 and subsequently formed Clover Key Capital in May 2022. Their first syndication deal closed in June 2022 in Indianapolis, IN. They and their partners have funded $5.5 million together, and own thousands of units. They are actively looking for C+ to B+ class value-add, 1960+ build apartment complexes. Specializes and improves multifamily properties and their focus on acquiring income-producing properties.   Michael was born and raised in France and moved to the United States in 2011. He is a mechanical engineer and came to Philadelphia on a work contract. Lindsey was in medical school at the time and they both met while living in Philly. Lindsey is now an emergency medicine physician, getting her doctorate at Philadelphia College of Osteopathic Medicine and training in Emergency Medicine in Danville, PA. Together they have two children.       [00:00 - 08:29] Opening Segment Lindsey and Michael are founders of Clover Key Capital and Duguet Estates LLC They started their educational journey by reading REI books, listening to podcasts, and being active in bigger pockets. They joined real estate elevated for intensive training and founded Duguet estates in March, of 2019. Their first off-market single-family homes were purchased in May of 2019, followed by a duplex in June of the same year, they started direct mail campaigns and bought a 4-plex and three single-family homes throughout the rest of 2019. Michael is a mechanical engineer  Lindsey is an ER physician and still doing a full-time W2 job.   [08:30 - 17:09] Reducing Hours and Spending More time with family. The challenges faced when starting as an entrepreneur physician include dealing with contractors and tenants. The first two deals were bought off-market and dealt with evictions and squatters. The strategy for buying properties has changed since then and is no longer in distressed areas. Quick Ad: Nico Invites you to join Jake's & Gino's Multifamily Mastery 5 in Florida this coming November 2022 If you're joining, Nico Salgado offers early bird pricing for you! All you have to do is connect and message him through his Instagram, Facebook, and LinkedIn or email him directly at nico@smallaxedcommunities.com to get the code you can use to avail your discount!     [17:09 - 27:37] Growing Portfolios Now, Michael and Lindsey are renting out their two units for 1,000 to 1100 per month, doubling their income. The units were completely redone in the back, and the parking lot was also redone. They expect to get between 300 and 465 tax-free cash out from refinancing on this project. They bought this property in December 2020.     [27:19 - 31:40] Closing Segment   Connect with Michael and Lindsey by visiting www.duguetestates.com       LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. I believe that you only need a small axe to build a lasting empire. Let's start building yours!     To know more about me and all the real estate opportunities you can find, you can connect with me on LinkedIn, Instagram, and Facebook, or check out my website https://smallaxecommunities.com/ and book a call with me.     Tweetable Quotes:   “It was a big mindset shift for me. As a physician, I try to do everything well, everything perfect. We are taught that these are people's lives, so you can't fail. Failure is not an option. You can't mess up with that. So for me, to start partnering with other people and giving up some of this control. It is certainly a little bit tough, but we realized that having a little piece of the pie is better than no piece of the pie. So as we start to form these partnerships, we're moving forward with bigger deals now that we couldn't take down on our own and that we are with other people who have knowledge that has done these much bigger multifamily deals that they can bring some capital with us” - Lindsey Duguet     “We started the first two years and we were on the path to success after a year or two, we hit the first roadblock. And it was a lack of capital. we were just stuck. We could not buy more units. And I was doing the rehabs, managing all the leases. So we reach that ceiling eventually We looked into a mastermind and learned that you don't need to control everything, but just find the resource of people that can help you.” - Michael Duguet      

Tonight, we are talking to the Money Expert Jini Thornton to make sure we've got our minds right when it comes to earning and maintaining the money we make!Don't forget to follow us @girlstoppod and turn on your post notifications so you don't miss a thing!CLICK HERE TO WATCH THIS EPISODE ON YOUTUBEEPISODE BREAKDOWN:[0:33] Introduction[01:49] Mindset in a Recession[03:53] The 4 Mindset Principles[09:03] 3 Steps to Making More Money[12:00] Introducing Jini Thornton[13:40] Intentionally Managing Money[21:55] Money Meetings & Money Calendar[27:19] Making More Leads to Spending More [31:37] Insurance as an Investment[32:50] Keeping Roles Separate[35:00] Where's the Money Accountability?[39:14] The B Word- Budgeting[40:54] Helpful Money Apps[43:31] Thriving in a Recession[46:25] How to find Jini ThorntonSupport this podcast at — https://redcircle.com/confessions-of-a-werkaholic/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

" The Personal Computer Show Wednesday September 15th 2021 PRN.fm Streaming On the Internet 6:00 PM Eastern Time IN THE NEWS o Mars Rover Collected Its First Samples. What's Next? o AI Systems Cannot be Recognized as Patent Inventors. o 24% Plan on Spending More on Their Phone Due to COVID-19. o Can Apple Reduce its Dependence on China? o Malicious Lightning Cable Can Record and Transmit Data a Mile Away. IT Pro Series with Benjamin Rockwell o Farewell eMails and Leaving with Style From the Tech Corner - COVID 19 and the Acceleration of Abrupt Changes o The Great Resignation o Employers Are Rejecting Millions of Qualified Workers. o 43% of College Graduates are Underemployed in Their First Job. o Student Loan Debt of $1.73 Trillion is Rapidly Rising. "

Losing weight on the keto diet shouldn't be expensive! I was able to lose 140 pounds by doing my keto grocery shopping at "normal people" grocery stores like Walmart. I didn't buy any fancy-pants keto foods - and guess what? I still lost weight. Personally, I don't think spending lots of money on organic, exotic ingredients is important when following a ketogenic diet. Normal food from everyday grocery stores is all you need! Spending MORE money won't help you lose weight any faster. On this week's DIRTY, LAZY, Girl Podcast #32, season 2, we share all sorts of ideas to help you save money at the grocery store. Eating healthy doesn't have to cost an arm and a leg! https://www.youtube.com/watch?v=758QsVzL1Gc&t=21s Easy ways to save money fast on groceries + meal planning? We've got you covered. You can lose weight on the keto diet when you're on a strict budget. Cheap healthy meals are possible with our money-saving tips. If you like saving money as much as I do, check out The DIRTY, LAZY, KETO Dirt Cheap Cookbook (Simon & Schuster, 2020) by Stephanie and William Laska. 100 Easy Recipes to Save Money & Time! Every recipe costs less than $10 to make (for the whole thing!) and every serving is 10g of net carbs or less. That's amazing! Stephanie Laska lost 140 pounds and has kept the weight off for 7 years (and counting!). She is the author and creator of DIRTY, LAZY, KETO. Related Articles:                

This has been a crazy week. Steven is reminded just how great X-Men: Days of Future Past was, while Adam tries to get his gaming life back in order. Not to mention how idiotic the internet is for complaining about the delay in The Falcon and the Winter Soldier. They discuss the giant Twitter hack and the new Wayfair conspiracy theory. And other news you may have missed over the last week. SHOWNOTES: Opening: Forgot How Great "Days of Future Past" Is People Bitching about 'Falcon and the Winter Soldier' Delay Getting my Gaming Backlog in Order News: Steven: That Huge Twitter Hack Adam: UAE to Launch Its First Mars Mission Steven: Star Wars Spin-Off 'Bad Batch' Coming to Disney+ Adam: EA Will Remove the Washington Football Team's Name in Madden 21 Steven: The Walking Dead Coming in Color Adam: Gamers are Spending More in 2020 Than They Have in a Decade Steven: Metacritic Gonna Stop Review Bombing Adam: Microsoft Discountinues Xbox One X and Xbox One S Digital Edition One Last Thing: Wayfair Has Got What You Need Wanna Donate to our Beer Fund: Donate to our PayPal Contact Us: Blog: https://thelazygeeks.com/ Email: themailbag@thelazygeeks.com Facebook: https://www.facebook.com/thelazygeeks/ Twitter: https://twitter.com/thelazygeeks Instagram: https://www.instagram.com/thelazygeeks/ YouTube: http://www.youtube.com/c/Thelazygeeks --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/thelazygeeks/message Support this podcast: https://anchor.fm/thelazygeeks/support

Spending More time developing the job seeker versus spending more time influencing the employer's perceptions of the job seeker!

About Bob Burg   Bob Burg shares information on topics vital to the success of today’s businessperson. He speaks for corporations and associations internationally, including fortune 500 companies, franchises, and numerous direct sales organizations. Although for years he was best known for his book, "Endless Referrals," over the past few years it’s his business parable, "The Go-Giver" (coauthored with John David Mann) that has captured the imagination of his readers. "The Go-Giver" shot to number six on The Wall Street Journal’s Business Bestsellers list just three weeks after its release and reached number nine on BusinessWeek. Since its release it has consistently stayed in the top 25 on 800ceoread’s Business Book Best Seller List. It’s an international bestseller and has been translated into 21 languages. It is Bob’s fourth book to sell over 250,000 copies. Bob believes his newest books, "Adversaries Into Allies: Win People Over Without Manipulation or Coercion" and “The Go-Giver INFLUENCER” are by far his most important work yet. Drawing on his own experiences and the stories of other influential people, he offers five simple principles of what he calls Ultimate Influence — the ability to move people to your side in a way that leaves everyone feeling great about the outcome… and about themselves!   In this episode Virginia and Bob discuss: The importance of having systems and a predictable process to ensure success Why it is important to master your emotions The dangers of rationalizing (rational – lying) Spending MORE time in RESPOND-mode and LESS time in REACT-mode Why overcoming confirmation bias is essential to creating positive relationships   Key Takeaways: If you want to be an influencer….   Master Your Emotions Step into the Other Person’s Shoes Set the Frame.  Communicate with Tact and Empathy. Let Go of Having to be Right.      How to reach Bob Burg:   Download the first two chapters of Bob’s new book: The Go-Giver Influencer at www.thegogiver.com

As dealers increase their investments in online advertising, they face significant challenges to increase their Return on Ad Spend (ROAS). Spending MORE does not increase sales in any linear manner.  Dealers receive up to 25 sales and marketing reports a month and most have no actionable insights. As floorplan costs increase and margins decrease, dealers need real-time insights to adjust their marketing investments to increase showroom traffic. In this podcast, I will share how some of the latest upgrades to Vistadash are helping managers confidently manage their ad spend.  Dealership managers can obtain more information on Vistadash by visiting: https://vistadash.com/

Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. 1 Timothy 6:9-10 (NIV)  For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. 1 Timothy 6:9-10 (NIV) Earning (Avg. household income = $52,000 / TOP 1% in the world!) Spending (More than 70% of Americans don't have a monthly written budget.) Saving (Emergency Fund / 3-6 months… The avg. American spends 136% of their income.) Investing (Instead of working for your money… your money is starting to work for you.) Giving (Non-Christians 3% - Christians 3.8%) Now this is what the Lord Almighty says: “Give careful thought to your ways.  You have planted much, but harvested little. You eat, but never have enough. You drink, but never have your fill. You put on clothes, but are not warm. You earn wages, only to put them in a purse with holes in it.” Haggai 1:5-7 (NIV) This is what the Lord Almighty says: “Give careful thought to your ways. Haggai 1:5-7 (NIV) Message Title: “Beyond the Numbers” Where is the wise person? Where is the teacher of the law? Where is the philosopher of this age? Has not God made foolish the wisdom of the world? 1 Corinthians 1:20 (NIV) For where your treasure is, there your heart will be also. Matthew 6:21 (NIV) 5 Principals that go BEYOND THE NUMBERS: CALLING vs. COMPENSATION The secret to the life you want is to discover why you were put on this planet. However, I consider my life worth nothing to me; my only aim is to finish the race and complete the task the Lord Jesus has given me—the task of testifying to the good news of God's grace.  Acts 20:24 (NIV) CONTENTMENT vs. CONSUMERISM Beware! Don't always be wishing for what you don't have. For real life and real living are not related to how rich we are.” Luke 12:15 (TLB) But godliness with contentment is great gain.  For we brought nothing into the world, and we can take nothing out of it. 1 Timothy 6:6-7 (NIV) Contentment is not the fulfillment of what you want, but the realization of what you have. GOD DEPENDENT vs. INDEPENDENT The wealth of the rich is their fortified city; they imagine it a wall too high to scale. Proverbs 18:11 (NIV) As Jesus looked up, he saw the rich putting their gifts into the temple treasury.  He also saw a poor widow put in two very small copper coins.  “Truly I tell you,” he said, “this poor widow has put in more than all the others. Luke 21:1-4 (NIV) All these people gave their gifts out of their wealth; but she out of her poverty put in all she had to live on.” Luke 21:1-4 (NIV) Staying God dependent in your finances is not about the amount you trust Him with… but the amount in comparison to what you have. (Tithing = 10% / the average Christian = 3.8%) Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. 1 Timothy 6:17 (NIV) STEWARDSHIP vs. OWNERSHIP Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. Matthew 6:19-21 (NIV) But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. Matthew 6:19-21 (NIV) For where your treasure is, there your heart will be also. Matthew 6:19-21 (NIV) It ALL belongs to Him. We are just managing what He has allowed us to oversee.  GENEROSITY vs. MISERY In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.'  Acts 20:35 (NIV) Generosity is a demonstration of God's love in a practical way. The value of my life is not determined by how much I achieve or accumulate, but how much I give away. Command them to do good, to be rich in good deeds, and to be generous and willing to share. 1 Timothy 6:18-19 (NIV) In this way they will lay up treasure for themselves as a firm foundation for the coming age… 1 Timothy 6:18-19 (NIV) …so that they may take hold of the life that is truly life. 1 Timothy 6:18-19 (NIV)

Scripture: After Jesus was born in Bethlehem village, Judah territory––this was during Herod's kingship––a band of scholars arrived in Jerusalem from the East. They asked around, "Where can we find and pay homage to the newborn King of the Jews? We observed a star in the eastern sky that signaled his birth. We're on pilgrimage to worship him.” Matthew 2:1-2 (MSG) This week we are going to examine how to Spend LESS and Give MORE instead of Spending MORE and Giving LESS. You know we spend the most money on the stuff that here’s today and outdated, outsourced and antiquated in a couple of years. The presents that cost the most money are sometimes the lessor gifts. I like the Lexus commercials each year. Who gives these Lexus' with the big red bows for Christmas anyway? I mean with 240,000 miles on my car I like to be-friend or even be adopted this Christmas by one of those Lexus gift giver. Ok. I digress. Now don’t get me wrong there’s nothing wrong with presents, So don’t tell folks the pastor went all Soorge on us this morning. But when we put such an emphasis on the “stuff” of Christmas, when we give into the greed and extreme consumerism of the cultural Christmas we always end up disappointed.