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How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

Howie Roseman has his work cut out for him this offseason and the 94WIP Morning Show is discussing what his strategy should be. On the defensive side of the ball, there are many decisions to be made with players like Jalen Carter, Jaelan Phillips, Nakobe Dean, and more. Dallas Goedert and A.J. Brown are two huge offensive names that are also in heavy conversation. Listen at the end of the segment for today's edition of the Time's Yours line!

Bob didn't retire because he was tired of work — he retired because life kept reminding him that time isn't guaranteed. In this conversation with Ari Taublieb, CFP®, Bob shares how personal loss, perspective shifts, and years of disciplined saving made early retirement feel less like a risk and more like the only choice that honored the life he wanted.He opens up about the emotional side of leaving a long career, the moment he realized he didn't want to push the goalpost back anymore, and the confidence he found once the numbers — and his values — finally aligned. Now his days are built around health, connection, slow mornings, and the freedom he once only imagined.--Bob is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

How Kim Jong Un's Daughter Spends Her $100 Billion Inheritance

This week on the Retirement Quick Tips podcast, I'm breaking down the generational differences between Gen X & Boomers. These two generations approach money very differently, and those differences have a big impact on how they save, plan for retirement, and ultimately live in retirement. Today, I'm talking about Gen X's saving and spending habits.

Sonja, my guest this week, is angry with her son because he spends so much time on the computer. She wants him to be with the family, go out and play with friends, and stay "in the real world." Join us as she discovers the cause of her suffering and how to end it. Let's do The Work! Catch Byron Katie live every Monday, Tuesday, and Wednesday, 9am/PT on Zoom Register: athomewithbyronkatie.com

The average parent spends 34 minutes a week doing this...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Plus: Elon Musk announces a reorganization and staff departures at xAI. And Lenovo posts record revenue driven by device sales and AI. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Goldman joins My Life Now to talk about the heart behind his children's books Big Buck Gives, Saves, and Spends and Little Penny Gives, Saves, and Spends. In a world where most families avoid money conversations until it's too late, Mark created a fun, story-driven way to teach kids generosity, saving, and wise spending early.This episode covers practical parenting, building values in the home, and why the money lessons kids learn young often shape the adults they become. If you're a parent, grandparent, educator, or anyone who cares about raising grounded kids, this one will hit.CONNECT WITH AUTHOR - https://give-save-spend.comBUY THE BOOK - https://a.co/d/01jOf8LVHosted by Chris Buscher

Day 1,442.Today, as reports suggest Russian troops are in turmoil across the frontline after being denied access to Starlink satellite communications, we return to Abu Dhabi for the latest developments in the ongoing trilateral peace talks between the United States, Ukraine, and Russia. We then hear live from Kyiv with firsthand reactions and descriptions of the situation on the ground, before turning to the Russian press for insight into the state of Russia's economy – and an extraordinary story about Moscow's efforts to turn pigeons into drones.ContributorsFrancis Dearnley (Executive Editor for Audio). @FrancisDearnley on X.Dominic Nicholls (Associate Editor of Defence). @DomNicholls on X.Antonia Langford (Journalist in Kyiv). @antonialford on X.James Kilner (Foreign Correspondent). @jkjourno on X.SIGN UP TO THE ‘UKRAINE: THE LATEST' WEEKLY NEWSLETTER:http://telegraph.co.uk/ukrainenewsletter Each week, Dom Nicholls and Francis Dearnley answer your questions, provide recommended reading, and give exclusive analysis and behind-the-scenes insights – plus maps of the frontlines and diagrams of weapons to complement our daily reporting. It's free for everyone, including non-subscribers.CONTENT REFERENCED:Russia spends half its state budget on military (The Telegraph):https://www.telegraph.co.uk/world-news/2026/02/04/russia-spent-half-its-state-budget-on-military-in-2025/ How Russia uses neural chips to turn live pigeons into drones (The Telegraph):https://www.telegraph.co.uk/world-news/2026/02/04/russia-implants-chips-spy-pigeons-brains-cyborgs-war/ The last foreign correspondent to file from a war zone via carrier pigeon (Airmail):https://airmail.news/issues/2024-7-27/the-view-from-here Record-breaking Russian strikes during peace negotiations (Centre for Information Resilience):https://www.info-res.org/eyes-on-russia/articles/record-breaking-russian-strikes-during-peace-negotiations/ Sanctions having ‘significant impact' on Russian economy, says EU special envoy (The Guardian):https://www.theguardian.com/world/2026/feb/05/sanctions-significant-impact-russian-economy-interview-eu-special-envoy-david-osullivan Keith Kellogg says he left Trump's White House to be 'free to talk' about Ukraine (Kyiv Independent):https://kyivindependent.com/keith-kellogg-says-he-left-trumps-white-house-to-be-free-to-talk-about-ukraine/ Russia claims US 'ignored' offers to extend nuclear arms control agreement as key treaty set to expire (Kyiv Independent):https://kyivindependent.com/russia-claims-us-ignored-offers-to-extend-nuclear-arms-control-agreement-as-treaty-set-to-expire/ LISTEN TO THIS PODCAST IN NEW LANGUAGES:The Telegraph has launched translated versions of Ukraine: The Latest in Ukrainian and Russian, making its reporting accessible to audiences on both sides of the battle lines and across the wider region, including Central Asia and the Caucasus. Just search Україна: Останні Новини (Ukr) and Украина: Последние Новости (Ru) on your on your preferred podcast app to find them. Listen here: https://linktr.ee/ukrainethelatestSubscribe: telegraph.co.uk/ukrainethelatestEmail: ukrainepod@telegraph.co.uk Hosted on Acast. See acast.com/privacy for more information.

The Treasurer says it’s not his fault. The Reserve Bank has been caught napping. But it’s clear we are spending too much and going too slow on housing - and that’s why the RBA’s under huge pressure to lift the cash rate today. Economics editor Matthew Cranston is here with some straight talk. View an edited transcript of this episode, plus photos, videos and additional reporting, on the website or on The Australian’s app. Read more about this story at theaustralian.com.au and see the video by subscribing to our YouTube channel. This episode of The Front is presented and produced by Claire Harvey with assistance from Lia Tsamoglou and edited by Jasper Leak. Our team includes Kristen Amiet, Tiffany Dimmack and Joshua Burton. Jasper Leak also composed our theme.See omnystudio.com/listener for privacy information.

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The XCE Desktop Environment plans to spend most of their donated funds to throw out their well tested X11 backend, in favor of a non-existent Wayland compositor written in Rust. Leftists cheer.More from The Lunduke Journal:https://lunduke.com/ This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit lunduke.substack.com/subscribe

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“I don't worry about being replaced by AI. I worry about being replaced by someone who's really good at using AI.”Atlassian has 10,000+ engineers currently split-testing the world's top AI coding tools, from GitHub Copilot and Cursor to Claude Code. In this episode, Co-Founder & CEO Mike Cannon-Brookes joins Lukas Biewald to share what their data reveals about the world's best AI tools today.Hear how 24 years of building a tech giant and a massive internal study on AI productivity have shaped Mike's vision for the future of dev jobs.Connect with us here:Mike Cannon-Brookes: https://www.linkedin.com/in/mcannonbrookes/?originalSubdomain=auAtlassian: https://www.linkedin.com/company/atlassian/?viewAsMember=trueLukas Biewald: https://www.linkedin.com/in/lbiewald/ Weights & Biases: https://www.linkedin.com/company/wandb/00:00 Trailer01:08 Introduction03:11 Connecting Technology and Business Teams07:22 The Impact of AI on Business Workflows13:26 Developer Productivity and AI21:03 Measuring Developer Efficiency25:41 Future of AI in Development34:59 Legacy Technology and Code Changes39:29 AI's Role in Developer Productivity47:40 AI and Junior Developers52:30 Product-Led Growth and Business Strategy01:00:29 Core Metrics for Sustainable Growth01:06:56 Staying Creative in the Tech Industry

Shoot us a Text.Episode #1243: We're talking about a viral moment at Ford's Dearborn plant, a smart strategy for turning old trade-ins into profit, and surprising insights into the real buying power of Gen Alpha.Show Notes with links: President Donald Trump made a high-profile visit to Ford's Dearborn Truck Plant, touring the F-150 line with company leadership, previewing a patriotic new pickup, and filming a CBS interview on the factory floor.Trump was guided by CEO Jim Farley and Executive Chair Bill Ford and saw an F-350 wrapped in an American flag; Ford plans to release it midyear for America's 250th anniversary.The plant was described by Farley as “the most important automotive plant in the United States.”Trump praised Ford's workforce and the sound of the assembly line.The visit ended on a viral note when Trump flipped off a heckling worker during his exit.A GoFundMe has been started for the employee which has raised over 25k from almost 1000 donors.Faced with affordability challenges and aging trade-ins, more dealers are implementing targeted reconditioning strategies to retail vehicles that would've gone to auction just a few years ago.The approach includes dedicated checklists that focus on safety and mechanical soundness while allowing minor cosmetic flaws.Holman adopted this method in June, leading to faster turnaround times and stronger profit margins.Dealers like Premier Automotive and Ganley Automotive are also leaning into older, higher-mileage units to meet demand.The goal is to invest intelligently—fix what matters, disclose the rest, and keep prices approachable.“You have to intelligently dial in the reinvestment,” said Chris Morgan of Holman. “It's not easy—but it works.”A new study shows that kids born after 2010 are already shaping nearly half of family spending decisions—despite most of them not even being old enough to drive.Gen Alpha influences $255B in U.S. spending across food, fashion, and leisure.Their buying influence is powered by peer and family input—not influencers or ads.Visual appeal and style are top decision factors; sustainability ranks low at just 16%.Many Gen Alpha kids are already earning money through informal or part-time jobs.“Our findings show a generation skeptical of media messages and steadfast in their opinions,” said Teneo's Gee Lefevre.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Local 12 Digital Sports Columnist and Editor Richard Skinner was joined by Mike Petraglia from CLNS media to analyze the words of Cincinnati Bengals Director of Player Personnel Duke Tobin following his media conference on Friday, Jan. 9, 2026.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The $5 million quarterback is here—Texas Tech resets the NIL market with the blockbuster addition of Brendan Sorsby. Should LSU covet Sam Leavitt despite health concerns?Brian Smith breaks down why spending big on transfer quarterbacks like Texas Tech is doing with Sorsby, as well as Wisconsin with Colton Joseph, show the aptitude necessary to win at the Power 4 level. The podcast explores key fits like Ashton Daniels to Florida State, Nebraska's gamble on Kenny Menchy (although Kentucky is trying to steal him as of the time of this recording), and Miami's evolving approach under Mario Cristobal. Get insights on portal trends, quarterback market values, team-building strategy, and the potential ripple effects for high school recruiting. With discussions on emerging talents, injury risks, and the NIL arms race, this episode is a must-listen for anyone following college football's high-stakes quarterback carousel.Everydayer Club  If you never miss an episode, it's time to make it official. Join the Locked On Everydayer Club and get ad-free audio, access to our members-only Discord, and more — all built for our most loyal fans. Click here to learn more and join the community: https://theportal.supercast.com/X @fbscout_floridaTikTok @lockedontheportalHelp us by supporting our sponsors!FanDuelToday's episode is brought to you by FanDuel. Before tip-off, check the FanDuel app and see what's dropping during NBA Happy Hour — every Friday from 6 to 7:30 PM Eastern. GametimeToday's episode is brought to you by Gametime. Download the Gametime app, create an account, and use code LOCKEDONCOLLEGE for $20 off your first purchase.RugietToday's episode is brought to you by Rugiet. If you've been thinking about taking the next step, now's the time. Head to Rugiet.com/LOCKEDONCOLLEGE to get 15% off your order for a limited time. Rugiet Ready. Feel present. Feel confident. Feel ready.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pink has swapped champagne for...neck surgery on New Years Eve, and BTS have sent fans into an absolute meltdown, 4 years after going on a hiatus. It's all happening, Spillers! Pink spends NYE in hospital BTS tease a huge return Zootopia 2 knocks Frozen off the box office podium Jojo Siwa changes her name Taylor Swift's Wood lyrics send a live NYE telecast into meltdown THE END BITS Support independent women's media Get your daily pop culture fix with The Spill here Check out The Quicky Instagram here GET IN TOUCHShare your story, feedback, or dilemma! Send us a voice note or email us at thequicky@mamamia.com.au CREDITS Host & Producer: Ash LondonBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Pink has swapped champagne for...neck surgery on New Years Eve, and BTS have sent fans into an absolute meltdown, 4 years after going on a hiatus. It's all happening, Spillers! ☕ Pink spends NYE in hospital ☕ BTS tease a huge return ☕ Zootopia 2 knocks Frozen off the box office podium ☕ Jojo Siwa changes her name ☕ Taylor Swift's Wood lyrics send a live NYE telecast into meltdown Our podcast Watch Party is out now, listen on Apple or Spotify. THE END BITS Support independent women's media Follow us on TikTok, Instagram and Facebook. And subscribe to our Youtube channel. Read all the latest entertainment news on Mamamia... here. Discover more Mamamia Podcasts here. CREDITS Host & Producer: Ash London Executive Producer: Monisha IswaranBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Live show for the boys on duty! Please consider joining our Patreon!! Check out our sponsors!! Human Performance Team (promo code "HERO" for 20% off!) GhostBed (promo code "ANTIHERO" for 10% off!) Elevated Silence (promo code "ANTIHERO15" for 15% off!) Venjenz (promo code "ANTIHERO" for 15% off!) Counter Culture Inc. (promo code "ANTIHERO" for 15% off!) Flatline Fiber Co. (promo code ANTIHERO15 for 15% off!) Violent Provisions (promo code ANTIHERO for 15% off!!) Learn more about your ad choices. Visit megaphone.fm/adchoices

President Trump announces a firm new blockade on sanctioned Venezuelan oil tankers, calling the Maduro regime a national security threat tied to narco-terrorism and criminal networks. Is this lawful enforcement of sanctions—or a dangerous step toward war? Todd breaks down the constitutional, strategic, and humanitarian arguments on both sides, cutting through the noise to explain what this move actually means for America and the world.Then, the focus shifts home as a new report reveals a staggering truth: federal government spending per person has exploded nearly 10,000% over the past century. From entitlements to debt interest now rivaling defense spending, Todd explains why Washington's addiction to spending threatens economic sanity—and why avoiding entitlement reform is no longer an option.

President Trump announces a firm new blockade on sanctioned Venezuelan oil tankers, calling the Maduro regime a national security threat tied to narco-terrorism and criminal networks. Is this lawful enforcement of sanctions—or a dangerous step toward war? Todd breaks down the constitutional, strategic, and humanitarian arguments on both sides, cutting through the noise to explain what this move actually means for America and the world.Then, the focus shifts home as a new report reveals a staggering truth: federal government spending per person has exploded nearly 10,000% over the past century. From entitlements to debt interest now rivaling defense spending, Todd explains why Washington's addiction to spending threatens economic sanity—and why avoiding entitlement reform is no longer an option.

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LEAVE US A VOICEMAIL OR MESSAGE: 347-450-0723 00:00 - Intro 01:31 - Kansas City Recap 31:43 - Taylor Talk 01:16:59 - Pop Culture Catch Up SUPPORT THE SHOW: PINK WHITNEY: Take Your Shot with Pink Whitney AURA FRAMES: Exclusive $35 off Carver Mat at https://on.auraframes.com/TAYLORWATCH. Promo Code TAYLORWATCH EXPERIAN: Download the Experian® app and share it with the fam—because everyone could use a Big Financial Friend. OUR MERCH: https://store.barstoolsports.com/collections/taylor-watch FOLLOW TAYLOR WATCH: Instagram: @taylor.watch Tik Tok: @taylor.watch FOLLOW US: Instagram: @gia.mariano Tik Tok: @gia.mariano Instagram: @kelly.keegs Tik Tok: @kellykeegs

This is the Fall 2025 Edition of my audio newsletter. In this episode, I update you on my business, both of my podcasts, my family, and what I've been listening to, reading, watching, and playing between August 22-December 3, 2025. This is my last Fall update because I'm switching from a weekly format to a monthly format in February 2026.   The FULL show notes are on https://www.thepharmacistsvoice.com. Click the podcast tab, and select episode 359.    Host background (December 2025) Kim Newlove is an Ohio-licensed pharmacist. She graduated from The University of Toledo College of Pharmacy with her BS Pharm in 2001. She has experience in hospital, retail, compounding, and behavioral health. Kim is not in clinical practice anymore. Instead, she uses my voice to write, narrate, and podcast—drawing on her experience to help others share their own voices through spoken and written content.   Subscribe to or follow The Pharmacist's Voice ® Podcast to get each new episode delivered to your podcast player and YouTube every time a new one comes out!     Apple Podcasts https://apple.co/42yqXOG  Spotify https://spoti.fi/3qAk3uY  Amazon/Audible https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt   Click to sign up for the monthly newsletter: https://bit.ly/3AHJIaF     Business Update - The Pharmacist's Voice ®, LLC Writing my second book  Writing newsletters for my business, LinkedIn, and The Perrysburg Podcast Not narrating any audiobooks or medical narration projects this month I have 2 podcasting clients at this time, and I have room for two more.  I help authors narrate their audiobooks, and I have room for two new clients. I helped Rosa Hart "Nurse Rosa" with her audiobook project this year. Her book is available on Amazon now: Speak Up, Start Now by Rosa Hart. Went to the MidYear Meeting of the Ohio Pharmacists Association and earned CE Taught a Podcasting 101 and Audio Engineering for Podcasters Classes at the 577 Foundation in September.   Update on The Pharmacist's Voice Podcast Changing from a weekly format to a monthly format in February 2026. January 23, 2026 is my 6-year podcast anniversary show February 2026 will be part of the Pharmacist Podcasters Series March is my Annual Poison Prevention Episode April is my Annual Autism Awareness and Acceptance Month Episode May will be part of the drug pronunciation series. June will be part of the Pharmacist Authors Series. July will be my Summer Update. August will be about author-read audiobooks.  The September episode will be about Drug Names (interview with a branding company?) October is American Pharmacists Month, and the topic will be about profession of pharmacy.  November will either be a Men's Health Episode or an interview with a Veteran Pharmacist. December's episode will be about pharmacist-led smoking cessation programs   Update about The Perrysburg Podcast  I live in a small town in NW Ohio called Perrysburg. The Perrysburg Podcast is a resource for Perrysburg residents. We talk about what's in Perrysburg, and why people like to live here. The website is perrysburgpodcast.com.  Sign up for the newsletter on perrysburgpodcast.com/ I did not win the "Ear Worthy" Award for Best Local Podcast, but I was nominated. Click to read Ear Worthy https://podalization.substack.com  I am writing a book about local podcasting.   Family update Spent Thanksgiving with family in NW Ohio Fall was fun! We crossed a lot of items off our "Fall of Fun list," including eating pumpkin pancakes, picking apples and pumpkins, going on hay rides, walking through a corn maze, and going to Cedar Point. Hear more about our Fall of Fun in episode 113 of The Perrysburg Podcast. Finished phase one of our backyard patio project. Family portrait session with Vanity Studios in September Adopted a dog, but she didn't work out. I'm allergic! Booked our family vacation for 2026  Focusing on Christmas now that it's December: church, shopping, Christmas cards, and more.   Nathan Update Cheering for the Cleveland Browns Manages 5 Fantasy Football teams Loves eating Christmas cheddar from Walt Churchill's Market Baked a pumpkin pie using a pumpkin he picked out of a field in October Started a 12-part LinkedIn newsletter called Lessons From the Climb Celebrated one year as plant manager at First Solar's PGT3 facility   Kim Update Kraig's full time caregiver, Mom, and guardian Helping with the Ohio Pharmacists Association Communications Committee Planning my 30-Year High School Reunion with my classmates Donated blood Took a cooking class Rode my BMWC400X scooter until late October and loved it Swam laps at the YMCA twice/month Went to lunch with pharmacy friends (and my sister) in October Visited my friend Almasa in North Carolina in November. Almasa was featured in Episode 115 of The Pharmacist's Voice Podcast.  Met legendary podcaster Elsie Escobar via Google Meet.  Finished growing 99% of the color out of my hair.   Kraig Update  Kraig is 22 and has autism.  Spends most of his days around the house or out in the community Seems happier and less anxious now that he has graduated Loves it when my husband and I read to him Has helpful caregivers Enjoys watching birds, squirrels, and chipmunks on the App for his Bird Buddy Bird Feeder.   Derrick Update 20-year-old college student at The University of Cincinnati  Business Analytics major (Class of May 2027) Coming home for Christmas break soon!   What have I been listening to? Christmas music playlist Podcasts: School of Podcasting, NPR Up First, and several others as time allows. Audiobooks:  The Obstacle Is the Way by Ryan Holiday Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grummet Dirty 30, by Janet Evanovich Now or Never, by Janet Evanovich It Ends with Us by Colleen Hoover It Starts with Us by Colleen Hoover Atlas of the Heart: Mapping Meaningful Connection and the Language of Human Experience by Brene Brown.   What have I been reading?  Spy School Goes South by Stuart Gibbs Spy School British Invasion by Stuart Gibbs Spy School Revolution by Stuart Gibbs Spy School at Sea by Stuart Gibbs Spy School Project X by Stuart Gibbs Winning is in my DNA, 15 Minutes of Self Reflection by Dr Sandra Onye (See Episode 353)   What have I been watching? TV Shows: The Pitt, Community, The Amazing Race Movies: Superman and The Family Plan Part 2 YouTube videos: Saturday Night Live, The Holderness Family, and Mama Doctor Jones.   What have I been playing this Fall?  Ticket to Ride on my iPad. Note: Ticket to Ride USA Board Game is a great Christmas gift! Looking forward to playing board games as a family when Derrick returns for winter break!   Previous Updates on this podcast Episode 344 Summer 2025 Update Episode 331 Spring 2025 Update Episode 319 Winter 2025 Update Episode 305 Fall 2024 Update Episode 291 Summer 2024 Update Episode 279 Spring 2024 Update Episode 264 Winter 2024 Update  Episode 252 Fall 2023 Update Episode 238 Summer 2023 Update Episode 217 Spring 2023 Update Episode 200 Winter 2023 Update Episode 186 Fall 2022 Update   Kim's websites and social media links: ✅ Monthly email newsletter sign-up link https://bit.ly/3AHJIaF  ✅ LinkedIn Newsletter link https://bit.ly/40VmV5B ✅ Business website https://www.thepharmacistsvoice.com ✅ Buy my book on amazon.com https://amzn.to/4iAKNBs  ✅ The Pharmacist's Voice ® Podcast https://www.thepharmacistsvoice.com/podcast ✅ Drug pronunciation course https://www.kimnewlove.com ✅ A Behind-the-scenes look at The Pharmacist's Voice ® Podcast © Online Course https://www.kimnewlove.com  ✅ LinkedIn https://www.linkedin.com/in/kimnewlove ✅ Facebook https://www.facebook.com/kim.newlove.96 ✅ Twitter https://twitter.com/KimNewloveVO ✅ Instagram https://www.instagram.com/kimnewlovevo/ ✅ YouTube https://www.youtube.com/channel/UCA3UyhNBi9CCqIMP8t1wRZQ ✅ ACX (Audiobook Narrator Profile) https://www.acx.com/narrator?p=A10FSORRTANJ4Z ✅ Start a podcast with my coach, Dave Jackson from The School of Podcasting! Click my affiliate link: https://community.schoolofpodcasting.com/invitation?code=G43D3G  *New 12-4-25*   Thank you for listening to episode 359 of The Pharmacist's Voice ® Podcast. If you know someone who would like this episode, please share it with them!

-- On the Show: -- Donald Trump scrambles as a deep red Tennessee congressional district suddenly becomes competitive on election day -- Whie House Press Secretary Karoline Leavitt confirms a second military strike on survivors and attempts to justify it as a lawful action -- Karoline Leavitt struggles publicly as reporters confront her with contradictions and misstatements -- Karoline Leavitt attempts to dismiss concerns about Donald Trump's health while offering confusing medical explanations -- Donald Trump floods Truth Social with attacks, conspiracy claims, and reposts in a late-night social media spiral -- Homeland Security Secretary Kristi Noem reveals that extreme immigration vetting was never fully implemented under Donald Trump -- Megyn Kelly openly calls for suffering and death against suspects in an alleged military incident -- Kristi Noem advocates for an extreme travel ban that would cripple the nation -- On the Bonus Show: Kevin Hassett is the favorite to be the next Fed chair, Quebec to ban prayer in public places, the DOJ is preparing to charge James Comey again, and much more...

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2025-2028 Roofing Market Report: https://roofmarketreport.com/FREE Roofing Sales & Growth Platform: https://adamsfreestuff.com/ =============FREE TRAINING CENTERhttps://adamsfreestuff.com/ FREE ROOFING MARKET REPORT:https://roofmarketreport.com/FREE COACHING FROM MY AI CLONEhttps://secure.rsra.org/adams-cloneJOIN THE ROOFING & SOLAR REFORM ALLIANCE (RSRA)https://www.rsra.org/join/ GET MY BOOKhttps://a.co/d/7tsW3Lx GET A ROOFING SALES JOBhttps://secure.rsra.org/find-a-job CONTACTEmail: help@rsra.orgCall/Text: 303-222-7133PODCASTApple Podcasts: https://apple.co/3fSQiev Spotify: https://bit.ly/3eMAqJe Available everywhere else :)FOLLOW ADAM BENSMANhttps://www.facebook.com/adam.bensman/   https://www.facebook.com/RoofStrategist/ https://www.instagram.com/roofstrategist/ https://www.tiktok.com/@roofstrategist https://www.linkedin.com/in/roofstrategist/#roofstrategist #roofsales #d2d  #solar #solarsales #roofing #roofer #canvassing #hail #wind #hurricane #sales #roofclaim #rsra #roofingandsolarreformalliance #reformers #adambensman

Elon Musk Reporter Theo Wayt talks with today's TITV Host Anita Ramaswamy about Elon Musk's mission to replace X staff with xAI's Grok and the role of the Siboliyev twins. We also talk with D.A. Davidson's Gil Luria and WorkHelix's Andrew McAfee about AI's accelerating impact on job cuts, particularly in white-collar professions, and the shift of wealth from big tech to NVIDIA. Warp CEO Zack Lloyd shares his data showing Google's Gemini 3.0 model's advantage over OpenAI's models in agentic coding. Lastly, KeyBanc Capital Markets' Jackson Ader provides an earnings preview for Zoom, Zscaler, and Salesforce, and The Information's Co-Executive Editor Martin Peers breaks down the unprecedented growth of NVIDIA's free cash flow and how the company is using it to fight competition.Articles discussed on this episode:https://www.theinformation.com/articles/twins-pushing-elon-musks-plans-replace-x-staff-grokhttps://www.theinformation.com/articles/nvidias-mushrooming-cash-pile-spotlights-spending-choicesTITV airs on YouTube, X and LinkedIn at 10AM PT / 1PM ET. Or check us out wherever you get your podcasts.Subscribe to: - The Information on YouTube: https://www.youtube.com/@theinformation- The Information: https://www.theinformation.com/subscribe_hSign up for the AI Agenda newsletter: https://www.theinformation.com/features/ai-agenda

Dan Nathan and Deirdre Bosa, CNBC's Tech Check host, delve into key topics around AI technology and investments. They discuss the growing influence of Chinese open-source AI models and compare US and Chinese AI CapEx spending, drawing on insights from a Bloomberg tweet thread. The conversation highlights China's commoditization strategy in AI and its implications for US-China tech competition. They also scrutinize tech companies like Core Weave, Meta, and AMD, examining their financial strategies, AI ambitions, and market performance. The challenges of power constraints, valuation concerns, and investor sentiment shifts in the AI and tech sectors are thoroughly explored. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

Vincent Mason stops by the studio with some of the craziest road stories Bobby’s heard in a while. He shares the wild story of his van losing a tire while going 70 mph, plus the time they hit a black bear and a hawk on back-to-back days out on the road. Vincent talks about what he actually spends his money on, the real difference between grinding it out in a van versus finally leveling up to a bus, and how all of that changes the way you see success. He also tells Bobby about all the times he spotted Bobby’s doppelganger at the gym, and why Bobby was convinced this interview would only go 30 minutes… before it turned into a full hour conversation.Check Vincent out on tour: VincentMasonMusic.com Check out his Debut Album: ‘There I Go’ which is OUT NOW! Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCast Watch this Episode on YoutubeSee omnystudio.com/listener for privacy information.

Shoot us a Text.Episode #1193: Today, we're covering a spike in EV inventory, why dealerships are losing service customers, and how Gen Z's complex spending habits could reshape the retail landscape.Show Notes with links:A new Cox Automotive study warns that dealerships are quietly losing the long game in fixed ops. Despite the average age of a vehicle being 12.8 years, customer loyalty—especially among recent buyers—is slipping fast.Dealerships now see 12% fewer service visits than in 2018, despite rising service volume overall.Loyalty is weakening: just 54% of owners with cars under 2 years old return to the selling dealer, down sharply from 72% in 2023.Independent shops, quick lube chains, and mobile services are capturing business once assumed to be “locked in.”Primary reasons for defections include surprise costs and poor communication—despite dealership pricing being slightly lower than independents on average.“There is a clear call to action here for dealerships to proactively address customer dissatisfaction, strengthen communication and improve sales to service coordination to build back market share through lasting relationships.” said Skyler Chadwick, Director of Product Consulting at Cox Automotive.New-vehicle inventory in the U.S. surged past 3.1 million units in early November, with electric vehicles stacking up the fastest.Total inventory rose from 2.8M to 3.14M units, with days' supply climbing to 70.EV supply more than doubled in October to 107 days, up from 47 just a month earlier.Gas-powered vehicles sit at 72 days; hybrids at a leaner 57 days. Cars remain tight at 46 days while light trucks sit at 60 daysToyota leads the pack with the tightest supply at just 33 days, while several Stellantis brands now exceed 100 days' supply.Subaru was the only automaker among monthly reporters to see inventory shrink.Retailers are racing to understand Gen Z—set to command $12 trillion in spending power by 2030. A new PwC report shows this generation mixes frugality with emotional spending and values-driven decisions.Gen Z plans to cut holiday spending by 23%, averaging $1,357—far less than millennials at $2,190.82% plan to buy “dupes”—affordable versions of luxury goods—and 79% wait for sales.While cautious, they'll splurge on “affordable affluence”: resale sneakers, luxury skincare, and $7 matcha lattes.Loyalty is fleeting: 81% have changed buying decisions based on a brand's reputation.Quote: “For most Gen Z'ers, customer loyalty has to be earned, and even then it is fragile,” said Greg Petro, Forbes contributor.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Another horror story has emerged of an overseas weight-loss operation gone wrong. Manawatu woman Helen Watson's spent six weeks in hospital since returning from Turkey, unable to eat, drink or walk. She's endured a further six operations and more could be on the cards. Jimmy Ellingham reports.

Listener call-in commentary on socialist Zohran Mamdani’s (D) victory in the New York City mayoral election last night. What does it mean to be an American? Emily Kopp’s piece “California Will Spend 28x More On Healthcare For Illegals Than State Law Enforcement” at The Daily Caller News Foundation.See omnystudio.com/listener for privacy information.

We went through Jackie's beauty upkeep and the cost of each one. Then tallied how much ANNUALLY she spends.. See omnystudio.com/listener for privacy information.

Samantha (36) and Kevin (41) have been together for seven years, but their financial lives couldn't look more different. He's a high earner with $800,000 in investments and a paid-down mortgage. She's still carrying student loans, car payments, and lingering shame about being “behind.” While Kevin saves methodically for the future, Samantha prefers to spend on experiences—especially travel—leaving him questioning whether their financial priorities will ever align. Beneath the surface, neither of them has truly learned how to talk about money without shutting down. Can Ramit help them move from avoidance and resentment to shared goals and real plans for the future? A special thanks to Ultraspeaking, who worked with Samantha and Kevin to help them communicate more effectively as a couple. Ultraspeaking is the fastest and most effective way to become a great communicator. Learn more at https://ultraspeaking.com. In this episode we uncover: • Why Samantha believes she'll never be “financially good enough” for Kevin • How their shared avoidant tendencies have allowed them to avoid financial planning for years • How their unspoken expectations around “fairness” create tension • Samantha's logic for not paying rent or mortgage • How Kevin's quiet resentment built up after Samantha didn't use the housing savings to pay down debt • The real cost of their “guilt-free” spending, including $15,000/year on vacations • Why Samantha still feels broke, despite earning $148,000 a year • Samantha's fears about not meeting Kevin's expectations in retirement • The stark contrast between their savings: Samantha has one month of expenses, Kevin has six • How Samantha inherited a “spend it if you have it” mindset from her parents • Kevin's fear of loss from divorce and why he avoids fully committing financially • The role of therapy in helping them rebuild communication and trust Chapters: (00:00:00) “I'll never be financially good enough for Kevin” (00:13:39) “I feel like I have no say because he owns the house” (00:27:08) Ramit breaks down their numbers (00:37:44) “I still feel like I'm only making $50,000” (00:43:59) “Money burned a hole in my pocket” (01:03:09) “That's the bed I made and I will lie in it” (01:08:25) “Closing doors is hard…but staying stuck is harder” (01:15:59) “It's not about catching up — it's about building together” (01:37:50) Where are they now? Samantha and Kevin's follow-ups This episode is brought to you by: NetSuite | Download the CFO's Guide to AI and Machine Learning at https://netsuite.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Am I the Jerk? is the show where you can confess your deepest darkest secrets and be part of the conversation.

See omnystudio.com/listener for privacy information.

Steve Kang never heard of what the Bible calls hell until he was led there by satan. The agony he describes from his time there is riveting. The beings he saw there have no light, no joy, and no faces. No babies, children, animals, or plants.

What really happens after life? Do we fade into nothing—or step into something far more real? In this powerful October series, we're tackling some of life's biggest questions about heaven, hell, and eternity. You'll hear biblical truth, real stories—including a special message from Bill Wiese, author of 23 Minutes in Hell—and discover why what you believe about the eternity changes how you live every single day.

This brief but impactful conversation introduces us to Tommi Sellers. Her daughter, Amanda is an artist who creates under the name "@chronically._.creative".Amanda's story is extraordinary—having spent more time in hospitals than in her own home, she's undergone numerous surgeries including brain operations. Yet what defines her isn't her medical history but her response to it. As her mother beautifully articulates, "When you come out of brain surgery and you have a smile, I think that's an amazing attribute." Amanda channels her experiences into art, finding her muse in the very circumstances that could have defined her limitations.Behind Amanda stands her mother, representing countless parents who serve as advocates, cheerleaders, and sometimes just hand-holders through life's most challenging moments. Her wisdom resonates when she shares, "Sometimes I held her hand tighter than she held mine, but we got through it together." This philosophy of mutual support illuminates the podcast's core message that suffering often precedes success—not as punishment but as the forge that shapes our character. As Amanda's mother succinctly puts it: "There's an A, there's a B. There's no in between. You either get up and go or you give up."Join us in supporting Amanda's creative journey by following "@chronically._.creative" online as we aim to help her reach new heights! Your support doesn't just acknowledge her talent—it celebrates the extraordinary resilience of someone who transforms life's harshest challenges into beautiful expression.

D&P Highlight: Who spends the most on Halloween candy? full 321 Tue, 07 Oct 2025 18:56:00 +0000 ILikCBWBJAHlhSkTe1MvxTnKKfdnGhSa news The Dana & Parks Podcast news D&P Highlight: Who spends the most on Halloween candy? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com

Are you working longer than you need to because of a retirement planning mistake? One of the biggest misconceptions is assuming you will spend the same amount every year in retirement. The reality is different, and understanding it could change when you retire.Experts call it the retirement smile. In your “go-go years” (65–75), spending is highest. Travel, hobbies, and experiences often run $60,000 to $65,000 a year for the average household. In the “slow-go years” (76–85), spending usually drops to $50,000 to $55,000 as travel slows down. Then come the “no-go years” (86+), where overall expenses dip but healthcare costs rise, creating the curve that completes the smile.At Root Financial, many of our clients with $1.5 to $3.5 million in assets might spend $150,000 to $200,000 early on, adjust to $100,000 to $150,000 mid-retirement, and later see healthcare push costs back up to $150,000 to $250,000. The lesson is clear. Planning with a flat budget often means you are overestimating your needs, delaying retirement, or underspending when you could be living more fully. A flexible withdrawal approach, starting around 5 percent, creates freedom while protecting long-term security.Do not let financial fear rob you of retirement joy. Whether it is traveling to the World Cup or simply extending family vacations, understanding your retirement smile can help you step into retirement with confidence and peace of mind.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Episode 656: Neal and Toby explain why President Trump wants to remove Fed Governor Lisa Cook. Then they discuss the end of the De Minimis trade loophole and how shipping to the US could change. Then why is Elon Musk suing Apple and Open AI and Keurig Dr Pepper drops $18 billion on coffee. Next, why dining rooms aren't big on houses anymore and the headlines you need to know heading into Tuesday. LinkedIn will even give you a $100 credit on your next campaign so you can try it yourself. Check out LinkedIn.com/mbd for more. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ 00:00 - Intro 01:00 - Netflix Astrological Suggestions  03:00 - Trump Fed Shakeup  07:50 - De Minimis Shipping Impact  11:40 - $18B Coffee Deal  16:30 - Elon Musk Sues Apple and OpenAI 19:40 - Dining Rooms are Disappearing  23:30 - Headlines All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 7/18/25. APY is variable and subject to change. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jase shares how a backyard celebration turned into a revival, with over 50 people baptized and many more surrendering to Christ. Miss Kay makes a rare public appearance and lights up the event with hugs, laughter, and heartfelt conversations. The guys debate when civil disobedience becomes necessary, what makes a martyr, and how worship itself can become warfare in a world that resists truth. Exploring arguments made by America's Founding Fathers when crafting the Declaration of Independence, they're reminded that real freedom begins at the foot of the cross. In this episode: Joshua 5; Revelation 12, verse 11; Romans 13; Acts 2; Genesis 1, verses 26–27; John 8, verse 36; 2 Corinthians 10, verses 3–5; John 10; Acts 4; Psalm 82 “Unashamed” Episode 1124 is sponsored by: https://cozyearth.com/unashamed — Get 45% off best-selling temperature-regulating sheets, apparel, and more when you use our link or code UNASHAMED at checkout! https://ruffgreens.com — Get a FREE Jumpstart Trial Bag for your dog today when you use promo code Unashamed! https://onekingdom.org — Donate to One Kingdom today to help share the gospel! Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. — Learn more about your ad choices. Visit megaphone.fm/adchoices