Podcasts about Total cost

This episode is brought to you by HalloCasa, the SEO-ranked digital business card for real estate agents. Looking to find the right agent, no matter where you are?Visit https://home.hallocasa.com to discover and connect with top real estate agents globally.Explore and get started today: https://hallocasa.com/brokersIn this episode, I talk to Filippo Zeni, co-founder of Zelo Real Estate and partner of Casaitalia International, about the luxury real estate market in Trento, Bolzano, Merano, and the wider South Tyrol region in Northern Italy.Time Stamps:00:00:30 Introduction00:02:30 About Trento and South Tyrol00:06:30 About the Real Estate Market in Trento, Merano, Bolzano and South Italy and its history and trends in the entire region00:09:30 Real Estate Prices in the entire region of South Tyrol00:16:45 About the Real Estate Buying Process in South Tyrole and Italy00:23:15 Details about the Real Estate Pre-Contract00:30:42 Total Cost of the Real Estate Purchase in ItalyWhether you're considering buying a vacation home, investing in property, or just curious about the Italian real estate landscape, this episode is packed with valuable knowledge.You can contact Filippo via:https://zelore.it/en/https://zelore.it/en/contacts/

On this week's show we look at how the strategies keep changing in the streaming wars. We spend your money and design a home theater system for less than $2000. And as usual we read your email and take a look at the week's news. News: Broadcast Schedule's New Paradigm 75% of Streamers Have Tried an Ad-Supported Plan Google TV users will soon be asked to rate apps Viewers can now add Apple TV+ to a DIRECTV subscription Top Streaming Services Change Up Strategies A Business Insider article suggests the streaming wars have shifted from competition to strategic alliances and distinct priorities. Netflix now prioritizes engagement over subscriber numbers, revamping its homepage with vertical video to rival YouTube and TikTok. Disney focuses on subscriber growth through bundles with Hulu and ESPN, aiming for profitable expansion. Warner Bros. Discovery's Max emphasizes profitability, leveraging high-quality content to retain subscribers rather than competing with Netflix's scale. Engagement is key as streamers build ad businesses. Netflix, with 8% of U.S. connected TV watch time, uses engagement to reduce churn and support its $2.2 billion ad business. Amazon's Prime Video scales ads by enabling them for all users unless they opt out, using shopping data to boost ad effectiveness. While Netflix and Amazon focus on engagement for ads, Disney, Paramount+ (79 million subscribers), and Peacock (41 million) prioritize subscriber growth, though neither is profitable yet. Profitability is critical for WBD, which has cut Max's content spending to focus on financial sustainability, leveraging HBO's legacy content. Its bundling with Disney+ and Hulu supports international growth. Apple TV+ faces high churn due to its limited library, leaving its strategy unclear. As streamers balance growth, engagement, and profitability, alliances and niche strategies redefine success in a crowded market. Home Theater System for under $2000 Ok so you bought a house and spent all your money but you already had a 70” TV from your previous home. And while that has been great you want something more out of your TV watching experience. Somehow you scrape together a $2000 budget and want to know what kind of “Home Theater” System you can cobble together to provide you with immersive surround sound. For this exercise we are assuming a typical living room (e.g., ~15x20 ft) and a focus on movies and general entertainment. We will emphasize value and performance while keeping the setup beginner-friendly. Key Considerations Room Size: Our medium-sized living room can benefit from a 5.1 or possibly a 5.1.2 (Dolby Atmos) setup for surround sound. We have chosen to stay with a 5.1 system for budget concerns. Priorities: Clear dialogue, deep bass, and immersive surround effects are key for movies and gaming. Music performance is secondary but still considered. Components: You'll need an AV receiver, speakers (front, center, surrounds), a subwoofer, and a streaming device.  Setup: We opted for wired speakers for reliability and cost savings over wireless systems, which can eat into the budget. Recommended System AV Receiver: Denon AVR-S760H 2021 Model  ($500 from Amazon) We are on a budget so a 2021 model that does everything you need for a small family room on a budget is absolutely the right call here. Don't overlook last year's models on your A/V equipment. No one will walk into your house and whisper about last years (or four years ago) model behind your back. This is a 7.2-channel receiver with 75W per channel, supporting 4K/120Hz, Dolby Atmos, DTS:X, and room calibration (Audyssey). It's versatile, beginner-friendly, and handles modern formats for movies and gaming. 6 HDMI inputs (3 with 8K support), Bluetooth, Wi-Fi, and HEOS for streaming. Refurbished units can save even more. Speaker System: RSL CG3M 5.1 home theater system ($850 Direct from RSL) We splurged a little on the speakers. The CG3Ms will not disappoint! We have been fans of RSL since we had Joe Rogers on the show about 15 years ago. He is a musician and understands what music is supposed to sound like and has designed speakers with that in mind.  This compact speaker system will put you right in the middle of a concert or movie! You really can't get better at this price. The 300 watt 10” subwoofer is plenty for your small to medium sized family room.   Speaker Wire and Cables: Monoprice ($50 Budget) Pretty much from day one we have been saying buy good cables but don't spend a lot of money doing so. $50 at Monoprice goes a long way for your Speaker and HDMI cables.   Streaming Device: ($150 Budget) A streaming device enhances your home theater by providing access to all kinds of entertainment options, including Netflix, Hulu, and Disney+,and YouTube. These dedicated streaming devices offer faster performance, regular software updates, and broader app compatibility. They also support advanced features like 4K HDR, Dolby Atmos, and voice control, elevating your viewing experience with superior picture and sound quality. Additionally, devices like Roku, Amazon Fire TV, or Apple TV are portable, affordable, and easy to set up, making them a versatile upgrade for any home theater, regardless of your TV's age or brand. Sales Tax: $90 - $150 Unfortunately we can't forget the tax man. There are a few places in the US that do not have a sales tax and other areas range from 6% up to 10%. Total Cost: ~$1,640-$1,700 This leaves ~$300-$360 for a programmable remote, Atmos, or height speakers. Or a year of a new streaming service.  This system balances cost, performance, and future expandability, delivering an elevated experience for your new home without breaking the bank.

This one's personal, Justin's been a client of mine for years, and in this episode, we finally unpack the horror story we've been sitting on for two years. What started as a killer commercial deal turned into a sewer line lawsuit with a surprise twist… and a happy ending (yes, with beer). We talk due diligence, problem-solving under pressure, and lessons from navigating the unexpected.

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Ross from Houston faces a common challenge in channel sales: how do you create brand preference for your product when you're selling through distributors who carry multiple competing lines and competitors who undercut your price? His company builds industrial dust-collection equipment and ducting, but they don't sell direct—meaning they rely heavily on distributors, contractors, and engineers to choose their brand over cheaper alternatives. Below, you'll find key insights on how to drive more “pull-through” sales to your channel partners and convince every stakeholder—from designers to installers—to pick your product. Why Pull-Through in Channel Sales Matters When you sell through distribution, you lose a lot of direct control. Your product is on the shelf (literally or figuratively) alongside competitors, and the distributor or contractor can often steer buyers toward any brand they choose. Pull-through happens when the end user, contractor, or engineer specifically requests your brand—making your distributor the middleman who fulfills the preference you created. Educate & Collaborate With Specifiers Ross' sales team already does lunch-and-learn sessions with engineering firms. Those engineers create the specs that contractors must follow, so if your product is “baked in” early, that's a massive advantage later when the contractor goes shopping. But the real test comes when the contractor or installer sees a cheaper alternative on the distributor's line card. Key Steps: Educate engineers on the deeper value and functionality of your product, so they'll insist on it in their specs. Collaborate with contractors. Even if they're not the final decision-maker, they can heavily influence whether your premium line or a cheaper knockoff is chosen. Brand Preference vs. Price Objections The toughest hurdle for a premium brand is the classic price objection. If the competitor's line undercuts you, how do you prove your extra value? Unearth the Real Cost of Going Cheap. Show specifiers and end users the Total Cost of Ownership—that cheaper or less-robust solutions can lead to higher maintenance, safety issues, or inefficiencies down the line. Highlight Success Stories. Gather testimonials or case studies from buyers who saved time, boosted reliability, or lowered total cost of ownership by choosing your brand. Create Tools and Guides. Develop clear documentation or ROI calculators that help buyers see beyond sticker price—especially useful if the distributor's rep isn't fully equipped to present your value. Dealing with the Distributor as a Gatekeeper You can do all the contractor or engineer training you want, but if the distributor's inside salesperson steers a buyer to a cheaper product, you still lose. That's why building the distributor relationship is non-negotiable. Action Items: Train the Distributor's Sales Reps. Show them exactly how to pitch your brand's advantages, from installation ease to long-term reliability. Reward Them for Advocacy. If possible, offer spiffs or incentives when they successfully sell your line. In some cases, highlight how your product can reduce their support headaches and returns, making their life easier. Co-Sell on Big Deals. Bring major opportunities to the distributor, or volunteer to go on key calls together. When you help them close deals, they become more loyal to you. Get Proactive and Strategic One pitfall in channel sales is that your rep can become just a “help desk” for the distributor—always fixing problems instead of actively driving new deals. But a proactive approach can turn that support into a competitive edge: Offer On-Site or Virtual Coaching. Whenever the distributor or contractor hits a snag, your rep steps in, demonstrating expertise. This builds trust and brand loyalty. Balance Support with Hunting. While your reps should help,

What's the real difference between negotiation strategy and tactics, and why does it matter so much in high-stakes deals? In this episode of Sales Reinvented, we're joined by Stuart Foster, an international sales performance coach, who answers this question and shares his expertise on navigating complex negotiations.  Stuart reveals how understanding the balance between strategy and tactics can be the key to closing deals, building long-term relationships, and ensuring mutual success. Whether you're negotiating with a tough buyer or trying to secure a lasting partnership, Stuart's actionable advice will equip you with the tools you need to master the art of negotiation. Outline of This Episode (0:51) What is the difference between negotiation strategy and tactics? (1:26) How should strategy and tactics complement each other in a deal? (2:22) Stuart's go-to negotiation strategy for high-stakes deals (5:28) The role of planning in negotiation strategy and tactics (6:55) Common negotiation strategies in complex sales (8:55) How to handle aggressive negotiation tactics from buyers (10:30) Stuart's top three negotiation strategy dos and don'ts (13:38) Real-world example of applying strategy and tactics in a high-stakes deal Connect with Stuart Foster Connect on LinkedIn Connect With Paul Watts  LinkedIn Twitter  Subscribe to SALES REINVENTED Audio Production and Show notes by PODCAST FAST TRACK https://www.podcastfasttrack.com

In der aktuellen Podcast-Folge habe ich mit Florian Döring, Fleet Manager bei OMS, gesprochen. Das Unternehmen, das sich auf elektrische Sicherheitsprüfungen spezialisiert hat, ist mittlerweile nahezu komplett auf Elektroautos umgestiegen – ein beeindruckender Schritt, wenn man bedenkt, dass es sich um eine Flotte von rund 600 Fahrzeugen handelt. Florian hat erzählt, dass dieser Wandel von innen heraus getrieben wurde. Besonders wichtig sei es gewesen, die Mitarbeiter:innen mitzunehmen und nicht einfach eine Entscheidung von oben zu diktieren. „Man muss die richtigen Rahmenbedingungen schaffen und die Leute mitnehmen. Es reicht nicht zu sagen: Hier ist dein E-Auto, fahr damit los.“ Stattdessen wurde viel Wert darauf gelegt, den Mitarbeitern Elektromobilität zu erklären, sie an die Hand zu nehmen und die Umstellung schrittweise zu gestalten. Ein entscheidender Faktor war die Ladeinfrastruktur. OMS hat seine Mitarbeitenden aktiv dabei unterstützt, eigene Lademöglichkeiten zu Hause zu schaffen. Das Unternehmen hat sich finanziell an den Kosten beteiligt, sodass die Fahrzeuge morgens vollgeladen bereitstehen konnten. Besonders für Vielfahrer und Stadtbewohner war das ein Schlüssel zur Akzeptanz der Elektromobilität. Bei der Fahrzeugwahl setzt OMS auf Modelle mit großer Reichweite und verlassene Service- und Ersatzteilverfügbarkeit. Das erklärt, warum sich die Flotte mittlerweile stark in Richtung Volkswagen und Skoda entwickelt hat. „Wir wollen keine Experimente machen, wenn es um Zuverlässigkeit geht. Die Teileverfügbarkeit und das Servicenetz sind essenziell, damit die Autos so schnell wie möglich wieder auf die Straße kommen.“ Wichtige Kriterien für OMS sind eine Mindestreichweite von 300 Kilometern auf der Autobahn im Winter und Batteriekapazitäten von mindestens 70 kWh. Neben der Umweltfreundlichkeit war auch die Wirtschaftlichkeit ausschlaggebend. Hier hat OMS eine klare Bilanz gezogen: „Unsere E-Autos sind in der Total Cost of Ownership günstiger als Verbrenner, sogar wenn man die Ladeinfrastruktur mit einrechnet.“ Konkret spart OMS pro Auto etwa 15 Euro im Monat – hochgerechnet auf 600 Fahrzeuge eine erhebliche Summe. Der Umstieg war kein Selbstzweck. Neben der Kosteneffizienz spielt auch der CO₂-Fußabdruck eine Rolle. Viele Kunden von OMS profitieren nun davon, dass sie Dienstleister mit geringem CO₂-Ausstoß in ihre eigene Klimabilanz einrechnen können. Der Erfolg von OMS zeigt: Die Umstellung auf eine rein elektrische Flotte funktioniert, wenn sie strategisch durchdacht ist. „Wer es konsequent macht, wird am Ende belohnt – sei es durch geringere Kosten, zufriedenere Mitarbeiter oder ein nachhaltigeres Unternehmen.“ Nun aber genug der Vorworte, lasst uns direkt in das Gespräch einsteigen.

Supercharge your analysis with AI! Get 15% of your membership with our special link here: https://finchat.io/csi/The Nvidia GTC Keynote from Jensen Huang was packed full of data for investors. Is the AI boom over? Or is Nvidia's value proposition to customers only just starting? Chip Stock Investors Nick and Kasey break down a pivotal moment in the GTC event, and discuss whether the AI data center trade will re-accelerate or not.Sign Up For Our Newsletter: https://mailchi.mp/b1228c12f284/sign-up-landing-page-short-formJoin us on Discord with Semiconductor Insider: https://ko-fi.com/chipstockinvestor/tiersSafeguard your personal information with Aura's monitoring service – try it free for two weeks and see where your data might be lurking: https://aura.com/chipstockinvestor

For fleet managers, timing is everything when it comes to vehicle replacement. Wait too long, and maintenance costs spike while reliability plummets. Replace too soon, and you could be throwing away thousands on a vehicle that still has life left in it.In this episode of The Fleet Code, we explore a third option: remanufacturing. Jonathan Carr, President of Vehicle Reman, joins us to break down the numbers behind replacement vs. remanufacturing, which fleets benefit the most, and how to minimize downtime while maximizing cost savings.View a transcription and show notes for this episode here →Takeaways from this episode: Use data to determine when a vehicle is costing you more than it's worthIf your vehicles are highly upfitted, replacement might not be the best optionThink long-term and decide where remans could fit into your immediate–, future–, and even transitionary plansGuest: Jonathan Carr, President, Vehicle RemanAdditional Links and Resources:Learn more about Vehicle Reman (website)How to Calculate the Total Cost of Ownership for Your Fleet (blog)Developing a Fleet Vehicle Replacement Strategy (white paper)

Health plans often underestimate the full financial burden of their core administration systems. This episode shines a light on the hidden costs buried and spread throughout the lifecycle of a typical core admin vendor contract. We will discuss what total total cost of ownership is, how to evaluate it, and what to do when costs are unexpectedly higher than you anticipated due to spread-out expenses, complex integrations, and recurring upgrades. Listeners will learn how to identify the operational “patchwork” that keeps plans tethered to legacy models and discover why taking a shorter, more honest view of long-term costs can reveal hidden savings. The conversation explores how integrated ecosystems provide stability, transparency, and scalability, positioning plans to invest in growth rather than wasting unoptimized resources.

Hoe ziet de toekomst van bedrijfswagens eruit? In de nieuwe podcast aflevering gaan Arjos en Elske in gesprek met Lex Rutten van Kia over de bedrijfswagenontwikkelingen die ondernemers niet mogen missen. Van de energietransitie en uptime tot de echte Total Cost of Ownership: wat betekent dit allemaal voor jouw wagenpark?

Free laundromats are hard to find, but can be a great way to break into the industry. But are they really free?? In this episode of The Laundromat Millionaire Show, Tim Richardson shares his "free laundromat" story and the real costs that went into creating his amazing new store.Referenced Links: Our Sponsor: H-M Company Drain Troughs: https://www.draintroughs.comTim's Facebook: https://www.facebook.com/LASDRICHThe Deluxe Laundry Spa website: https://deluxelaundryspa.com/Our Website: https://www.laundromatmillionaire.comOur Online Course: https://dave-menz.mykajabi.com/sales-pageOur Youtube channel: https://youtube.com/c/LaundromatMillionaireOur Podcast: https://laundromatmillionaire.com/podcast/Our Facebook: https://www.facebook.com/laundromatmillionaire/Our Facebook Group: https://www.facebook.com/groups/laundromatmillionaireOur LinkedIn: https://www.linkedin.com/in/dave-laundromat-millionaire-menz/Our Instagram: https://www.instagram.com/laundromatmillionaire/Our laundromats: https://www.queencitylaundry.comOur pick-up and delivery laundry services: https://www.queencitylaundry.com/deliveryOur WDF & Delivery Workshop: https://laundromatmillionaire.com/pick-up-delivery-workshop/LaundroBoost Marketing Company: https://laundroboostmarketing.com/Suggested Services Page: https://www.laundromatmillionaire.com/servicesWDF & Delivery Dynamics: A Complete Business Blueprint: https://laundromatmillionaire.com/wdf-delivery-dynamics-a-business-blueprint/Torrance Memorial Hospital: https://www.torrancememorial.org/Dave's Book on Amazon: https://www.amazon.com/Laundromat-Millionaire-Grit-Elevate-Industry/Hubspot: https://www.hubspot.com/products/Beyond Scared Straight TV Show: https://www.imdb.com/title/tt1707374/Timestamps0:00:00 Episode 92 Intro0:02:50 Tim Richardson's Journey into the Laundry Industry0:15:13 Researching the Industry and Finding the right Laundromat to Buy0:23:44 Understanding Working with Brokers0:26:21 The Quality of Laundry Industry Resources0:38:29 Focusing on Your Desired Customer0:43:57 Initial Costs on a “FREE Laundromat”0:45:33 Timelines and the Transformation0:49:28 Total Cost of Project0:52:10 Lessons on Store Layout 0:54:28 Shift from Commodity to Service Focus0:55:08 The First Day Open and Growth from there1:00:03 Final Thoughts and Contact Info

In this episode, Jeffrey discusses using a TCO (Total Cost of Ownership) tool to evaluate project options Each week, Jeffrey will be sharing his knowledge on Service Delivery (Mondays) and Service Management (Thursdays). Jeffrey is the founder of Service Management Leadership, an IT consulting firm specializing in Service Management, Asset Management, CIO Advisory, and Business Continuity services.  The firm's website is www.servicemanagement.us.   Jeffrey has been in the industry for 30 years and brings a practical perspective to the discussions. He is an accomplished author with seven acclaimed books in the subject area and a popular YouTube channel with approximately 1,500 videos on various topics.  Also, please follow the Service Management Leadership LinkedIn page.

Send us a textWhat strategic decisions can lead to long-term success in real estate investments?Dive into this engaging episode of Weiss Advice with Yonah as he interviews Andy McQuade, a multifaceted real estate consultant. Andy shares his journey from the supply side of building materials to consulting for multifamily operators. With over two decades of experience, Andy highlights the critical role of procurement, the concept of total cost of ownership (TCO), and how thoughtful decision-making can shape the future of real estate investments.[00:01 - 09:32] From Lumberyards to Real Estate ConsultingAndy's early career journey and his unexpected leap into entrepreneurshipThe impact of growing up with an entrepreneurial fatherLessons from working in corporate environments[09:33 - 18:19] Mastering Procurement in Multifamily Real EstateThe meaning and importance of procurement in real estateHow procurement can drive efficiency and long-term savingsInsights on avoiding common operational pitfalls[18:20 - 27:46] Total Cost of Ownership: A Game-ChangerAndy's realization of TCO's importance in real estatePractical applications of TCO in multifamily propertiesAdapting IT-based principles to real estate decision-making[27:47 - 37:00] The Power of Networking and EducationAndy's involvement with Real Estate Investment Associations (REIAs)How these groups foster learning and community among real estate investorsInsights into the importance of staying updated on local policies[37:01- 46:06] Building Success and Finding FulfillmentReflections on defining success and balancing personal life with professional goalsAndy's thoughts on the evolution of his career and what's nextEncouraging entrepreneurs to focus on their strengths while delegating weaknessesConnect with Andy:Linktree: https://linktr.ee/andymcquadeLEAVE A 5-STAR REVIEW by clicking this link.WHERE CAN I LEARN MORE?Be sure to follow me on the below platforms:Subscribe to the podcast on Apple, Spotify, Google, or Stitcher.LinkedInYoutubeExclusive Facebook Groupwww.yonahweiss.comNone of this could be possible without the awesome team at Buzzsprout. They make it easy to get your show listed on every major podcast platform.Tweetable Quotes:“Don't focus on putting band-aids on your weaknesses because you'll constantly be chasing your tail. Focus on the things you're good at.” – Andy McQuade“Procurement isn't just about buying things; it's about shaping the direction of an entire company.” – Andy McQuadeSupport the show

This episode outlines the factors influencing divorce expenses, including attorney fees, filing fees, and additional costs. Attorney fees vary based on experience and case complexity, with contested divorces costing more due to disputes over issues like custody or property. Uncontested divorces, where parties agree on terms, are less expensive and faster. This episode is based on an article titled: The Total Cost of a Divorce To learn more about our Louisville, KY family law attorneys or to schedule an initial consultation, please call 855-805-0595 or email info@stangelawfirm.com.Become a supporter of this podcast: https://www.spreaker.com/podcast/family-law-talk--6410781/support.

On this episode FDE+ we've got something special for you as we dive an incredible conversation with Diane Prince, Founder of Recruiting Agency 360. From discussing profit calculations and the role of Employer of Record (EOR) in payroll and compliance to emphasizing the importance of recurring revenue and niche market fit, Diane covers it all. She opens up about her journey in the staffing industry, the significance of having a clear vision, and her business strategies that paved the way for her success.We'll also explore actionable business development tips, including effective and authentic cold outreach, the growing trend towards temporary workforce by 2030, and the unique advantages of temp staffing over direct hires.Get ready to learn, engage, and envision bigger goals for your business as Diane answers your burning questions and offers practical advice for achieving growth and scaling your staffing agency. This episode is packed with valuable insights and strategies that you won't want to miss.________________Follow Diane on LinkedIn: LinkedIn | Diane PrinceWant to learn more about Crelate? Book a demo hereFollow Crelate on LinkedIn: https://www.linkedin.com/company/crelate/Subscribe to our newsletter: https://www.crelate.com/blog/full-desk-experience

Have you ever stopped to consider the real costs—and sacrifices—of borrowing someone else's money? Whether it's a mortgage, car loan, or another form of financing, the hidden fees, penalties, and long-term credit impacts can quickly add up. Beyond the numbers, debt can bring stress, limit opportunities, and force tough choices in your personal and professional life. Doug Hoyes and Ted Michalos provide expert insights to help you confidently navigate borrowing, avoid costly mistakes, and make decisions that protect your finances and peace of mind. Timestamps: (1:00) – Get Interested in Your Interest Rates (3:25) – Understanding Origination Fees and Insurance Costs (8:05) – Why Doug and Ted Recommend Paying on Time (10:15) – Prepayment Penalties and Other “Hidden” Fees (15:10) – Discretionary Spending or Needing to Borrow More (17:10) – How Borrowing Impacts Your Credit Score (19:30) – Debt Causes Stress and Limits Opportunities (21:15) – Why Banks Encourage You to Finance   (24:00) – Practical Advice – How to Read Your Loan Contract (26:50) – The Bottom Line: Calculating the Total Cost (29:00) – Knowing When to Seek Professional Help Learn more from Hoyes Michalos: Debt Repayment Calculator Debt To Income Ratio Calculator Budgeting Course Sign Up for Our Newsletter HERE Smart Borrowing and Loan Management Tips Hoyes Michalos YouTube Channel Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn Straight Talk on Your Money by Doug Hoyes Find a Hoyes Michalos Office in Your Area Here 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 advice 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.

We want to hear from you! Send us a text message.With U.S. manufacturing facing a potential shortfall of 7.5 million skilled workers, how can we bring jobs back and build the workforce to sustain them?In this episode of The TechEd Podcast, host Matt Kirchner sits down with Harry Moser, founder and president of the Reshoring Initiative, to explore the critical intersection of reshoring manufacturing, workforce development, and technological advancement. With decades of experience in manufacturing and workforce advocacy, Harry shares actionable insights for educators, policymakers, and business leaders aiming to strengthen America's industrial future.From addressing workforce shortages to overcoming supply chain risks, Harry explains the importance of apprenticeships, hands-on learning, and reshoring strategies like total cost of ownership (TCO) analysis. He also reveals why countries like Switzerland excel in workforce preparation and what the U.S. must do to compete.Listen to learn:How reshoring addresses a 45% cost gap with China to protect U.S. supply chains and economic security.Why FAME apprenticeships produce $98K earners within five years, rivaling or exceeding college degree outcomes.How TCO analysis helps manufacturers uncover hidden costs, making U.S. production viable in 50% of cases.What the U.S. can learn from Switzerland, where 60% of students enter apprenticeships & fuel their industrial workforce.How reshoring has grown U.S. manufacturing jobs 25x since 2010—and the critical steps needed to sustain it.3 Big Takeaways from this Episode:1. Reshoring is essential for U.S. economic and national security in an era of global uncertainty.The U.S. faces a 45% manufacturing cost gap with China, but Total Cost of Ownership (TCO) analysis shows that 50% of cases favor reshoring when hidden costs like tariffs and geopolitical risks are factored in. Harry Moser emphasizes the dangers of supply chain disruptions and reliance on foreign manufacturing for critical goods.2. Apprenticeships are a high-earning alternative to traditional college degrees, with faster results.Graduates of programs like FAME earn an average of $98,000 annually within five years, far surpassing many degree holders. They also start earning earlier, graduate debt-free, and enter the workforce with advanced technical skills in high demand.3. The U.S. must address a projected 7.5 million skilled worker shortfall in manufacturing.Harry Moser highlights Switzerland's apprenticeship model, where 60% of students gain hands-on skills through advanced training programs, as an example the U.S. could emulate. Building similar pathways could help meet workforce needs and drive manufacturing growth.Resources in this Episode:To learn more about the Reshoring Initiative, visit: reshorenow.orgTry the Total Cost of Ownership Estimator®Instagram - Facebook - YouTube - TikTok - Twitter - LinkedIn

In this episode of Making Cents of Money, we discuss the costs of car ownership and the impact it could have on your budget. Are you ready to see if you're prepared to purchase a vehicle? Tune in to learn more. Show Notes: MCOM Episode 74: Credit Reports Update: https://soundcloud.com/idfpr/episode-74-credit-reports-update?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing MCOM Episode 70: The Impact of Compound Interest: https://soundcloud.com/idfpr/episode-70-the-impact-of-compound-interest?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Comparing Commute Costs Calculator: https://bicycleuniverse.com/car-free-millionaire/ Calculating Cost of Ownership • Edmund's True Cost to Own ® Calculator: https://www.edmunds.com/tco.html • What Is the Total Cost of Owning a Car? via NerdWallet: https://www.nerdwallet.com/blog/loans/total-cost-owning-car/ • Illinois Tollway Trip Calculator: https://ua.getipass.com/trip-calculator Can Your Budget Handle It? • Budgeting & Financial Planning episode list for Making Cents of Money: https://on.soundcloud.com/CJbxcrPsLRzCXVW78 • Budgeting Web Page from University of Illinois Student Money Management Center: https://www.studentmoney.uillinois.edu/learn/budgeting • You can also use something like this budget worksheet from the CFPB: https://files.consumerfinance.gov/f/documents/cfpb_well-being_monthly-budget.pdf Manufacturer vs Extended Warranties • CFPB Article, “What is the difference between a manufacturer's warranty and an extended vehicle warranty or service contract?”: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/ Title and Registration • ILLINOIS Registration Renewal and ID Cards: https://www.ilsos.gov/departments/vehicles/title_and_registration/regid.html • FAQ on Title & Registration in Illinois: https://www.ilsos.gov/departments/vehicles/faq.html • Buying or Selling a Used Vehicle Pamphlet from IL Sec of State: https://www.ilsos.gov/publications/pdf_publications/sos_dop141.pdf • Seller's Report of Sale Form: https://www.ilsos.gov/publications/pdf_publications/vsd703.pdf Don't Forget Monthly Costs • Edmund's True Cost to Own ® Calculator: https://www.edmunds.com/tco.html Two Types of Financing • CFPB's Take Control of Your Auto Loan Guide: https://files.consumerfinance.gov/f/documents/201606_cfpb_take-control-of-your-auto-loan-guide.pdf Know Your Resources • Kelly Blue Book: https://www.kbb.com • NADA Guides: https://www.nadaguides.com/Cars • Edmunds True Market Value: https://www.edmunds.com/tmv.html • CarFax History-Based Value: https://www.carfax.com/value/ Research & Compare • CFPB Auto Loan Worksheet: https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf • CFPB Site on Auto Loans: https://www.consumerfinance.gov/consumer-tools/auto-loans/ • FTC Used Cars Site: https://consumer.ftc.gov/features/used-cars • Prioritize debt repayment: https://powerpay.org/ Auto Loan Calculator Examples: • NerdWallet Car Loan Calculator: https://www.nerdwallet.com/blog/loans/car-loan-calculator/ • Bankrate Auto Loan Calculator: https://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx Know Your Credit • Get Free Weekly Credit Reports from Equifax, Experian, & TransUnion: https://www.annualcreditreport.com/ • Ep. 74 – Credit Reports Update: https://blogs.uofi.uillinois.edu/view/7550/1222872163 Insurance • State of Illinois Mandatory Insurance: https://www.ilsos.gov/departments/vehicles/mandatory_insurance.html Tips to Protect Yourself • FTC article: “Put the brakes on phony online car sales”: https://www.consumer.ftc.gov/blog/2019/06/put-brakes-phony-online-car-sales • Buying a Used Car from FTC: https://www.consumer.ftc.gov/features/feature-0040-used-cars

In this episode, we discuss the pros and cons of using serverless architecture in enterprise companies. We cover topics like cost, complexity, security, ability to evolve architecture, and more. Overall, we find that serverless can provide benefits like reduced operational costs, improved developer productivity, and increased focus on core business logic for larger companies. AWS Bites is sponsored by fourTheorem, an Advanced AWS partner that works collaboratively with you and sets you up for long-term success on AWS. Find out more at fourtheorem.com In this episode, we mentioned the following resources: - Yan Cui - “Even simple serverless applications have complex architecture diagrams”, so what? - Dark Matter Developers: The Unseen 99% - Deloitte - Determining the Total Cost of Ownership of Serverless Technologies when compared to Traditional Cloud (PDF) - Generating Value Through IT Agility and Business Scalability with AWS Serverless Platform (Gated Link) Do you have any AWS questions you would like us to address? Leave a comment here or connect with us on X/Twitter: - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/eoins⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/loige⁠⁠⁠⁠

In this episode, Stacey Richter speaks with Rob Andrews, CEO of the Health Transformation Alliance (HTA) and former Congressman, about the strategic steps jumbo employers can take to achieve improved health outcomes while reducing cost. They delve into the importance of using data to discern effective practices, negotiate contracts, and hold intermediaries accountable. To Read The Show Notes With All Mentioned Links, Visit the Episode Page. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. The discussion highlights maternal health as a critical area of focus, with successful interventions shown to reduce NICU admissions and overall healthcare costs. Andrews emphasizes the role of self-insured employers in driving systemic changes that align financial incentives with health outcomes. This encore is very relevant after the shows with Cora Opsahl (EP452), Claire Brockbank (EP453), and Marilyn Bartlett (EP450). Getting better health for the 160 million Americans covered by commercial insurance is all about rates, rights, and power. 07:34 How did Rob get to his current role? 09:08 The problem of maternal health and mortality rate, and how self-insured employers wind up directly and indirectly paying for this. 10:27 Why economic consequences move the needle, and why sometimes they don't. 12:26 Why the best way to address costs isn't to re-shift costs but to address them directly. 13:22 Why compensation that isn't dependent on outcomes is a problem. 16:23 “Strategy's not what people say; it's what they do.” 18:21 How do you operationalize saving money with better outcomes? 26:26 How do employers turn conflict into collaboration? 28:20 What is the win-win-win structure among employers, payers, and providers in Rob's eyes? 30:53 To whom should the task of risk adjustment fall? 34:43 “Better contracts do improve outcomes.”  

The education and BFSI sectors in India are embracing desktop virtualization to modernize their operations and reduce costs. In the latest episode of The Edge & Beyond podcast, Michelle Dawn Mooney hosts a discussion with key figures from Intel and INP, focusing on how their partnership is reshaping computing for these sectors through the Intelligent Desktop Virtualization (IDV) initiative.Ashish Agarwal of Intel explains the vision, stating, “IDV addresses the limitations of traditional thin clients, offering scalable and robust solutions tailored for the evolving demands of modern ICT labs and banking environments.” Manoj Dubey of INP adds, “With Intel's technology, we're developing cost-effective, high-performance solutions that transform the user experience, especially in remote and underserved areas.”The episode highlights the importance of reducing Total Cost of Ownership (TCO) while leveraging AI and Intel's 12th Gen processors to deliver immersive, multimedia-rich experiences. The guests also discuss future developments, including expanded use cases beyond education and BFSI.For more on how Intel and INP are driving desktop virtualization in India, listen to the podcast and connect with the guests:Ashish AgarwalManoj DubeySubscribe to To The Edge & Beyond podcast on Apple Podcasts and Spotify for more insights from leaders in the Intel and Edge Network group.

The education and BFSI sectors in India are embracing desktop virtualization to modernize their operations and reduce costs. In the latest episode of The Edge & Beyond podcast, Michelle Dawn Mooney hosts a discussion with key figures from Intel and INP, focusing on how their partnership is reshaping computing for these sectors through the Intelligent Desktop Virtualization (IDV) initiative.Ashish Agarwal of Intel explains the vision, stating, “IDV addresses the limitations of traditional thin clients, offering scalable and robust solutions tailored for the evolving demands of modern ICT labs and banking environments.” Manoj Dubey of INP adds, “With Intel's technology, we're developing cost-effective, high-performance solutions that transform the user experience, especially in remote and underserved areas.”The episode highlights the importance of reducing Total Cost of Ownership (TCO) while leveraging AI and Intel's 12th Gen processors to deliver immersive, multimedia-rich experiences. The guests also discuss future developments, including expanded use cases beyond education and BFSI.For more on how Intel and INP are driving desktop virtualization in India, listen to the podcast and connect with the guests:Ashish AgarwalManoj DubeySubscribe to To The Edge & Beyond podcast on Apple Podcasts and Spotify for more insights from leaders in the Intel and Edge Network group.

Description: A new roof is a big investment. Roofers should be able to help both homeowners and commercial property owners account for the lifecycle of the materials they choose, durability and performance attributes, aesthetics over time and warranty to truly explain the total cost of ownership of a roof.    In this RLW, join roofer Jason Totin, president and owner of Totin Too out of Wexford, Pennsylvania as he shares his 20+ years of roofing knowledge on Selling Total Cost of Ownership to Property Owners. He'll be joined by Jason King, territory sales manager for DaVinci Roofscapes, the leading composite roofing manufacturer in the country. Jason has years of hands-on experience in the roofing and remodeling industry where he learned that investing in the best made materials brings the highest return on investment for property owners.    Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/     Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up     Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #DaVinciRoofscapes #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

In this episode of the Personal Finance Podcast, we're going to talk about how to figure out how much you will spend in retirement by age. How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Monarch Money: Get an extended 30 day free trial at monarchmoney.com/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. This show is sponsored by Better Help. Go to betterhelp.com/pfp and be on your way to your best self. Go to joindeleteme.com/pfp20 for 20% off!  Links Mentioned in This Episode:  The 1-3-6 Method For Building & Managing Your Emergency Fund How to Run the Numbers When You Buy a House! (Total Cost of Ownership!) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Companies are generating more data than ever, and storage costs are rising. Six Five Media hosts Mitch Lewis and Camberley Bates are joined by Broadcom Product Marketing Engineers Tom Nagelmeyer and John Nicholson, for a conversation on how modern solutions can significantly lower the Total Cost of Ownership (TCO) for storage. Their discussion covers: - The evolving landscape of data storage and its impact on TCO - How Broadcom's innovative solutions are setting new standards for storage efficiency - Real-world examples where modern storage solutions have made a difference - The role of software in optimizing storage costs - Future trends in storage technology and their implications for businesses  

In this episode of the Personal Finance Podcast Money Q&A, we're going to talk about should I reduce my 401k contributions to save for a house? Today we are going to answer these questions!  Question 1: Should I reduce my 401(K) Contributions to Save for a House? Question 2: How do I find my Old 401(k)?! Question 3:How to Pay Of Debt Step-By-Step Question 4: One-third of the US population's background info is now public How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Monarch Money: Get an extended 30 day free trial at monarchmoney.com/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Go to joindeleteme.com/pfp20 for 20% off! This show is sponsored by Better Help. Go to betterhelp.com/pfp and be on your way to your best self.  Links Mentioned in This Episode:  How to Run the Numbers When You Buy a House! (Total Cost of Ownership!) The 1-3-6 Method For Building & Managing Your Emergency Fund How to Create a Bulletproof Wealth Protection Plan Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

The energy storage market is truly moving faster than ever, and with it, the complexity of building and managing these projects and products that serve our need for 24/7 renewable power. It does, however, raise a number of interesting, if not troubling questions:How does this rapid change impact the Total Cost of Ownership for battery energy storage projects?Are there hidden costs to this pace of growth?As we watch the industry scale, it has started to feel a bit like companies are rushing projects (and products) to market in a race to meet market demand and be “first” in a number of key areas, not the least of which is power density and battery size. So we have to ask, “how big is too big?”And, as sites begin to move closer to population centers, what do we do about the inevitable concerns surrounding noise ordinances? Is Noise the next challenge in front of the industry?I asked these and many others of today's special guest while we were live on our PowerUp Live stage recently at RE+ 2024.With over 12.5 gigawatt-hours of contracted storage systems, including 8.5 gigawatt-hours already in operation, Wärtsilä Energy Storage & Optimisation (ES&O) is rapidly expanding its global footprint across key markets, from the US and Canada to Chile, the UK, and beyond. With the market moving faster than ever, Wärtsilä is tackling both technical and logistical challenges, ensuring that its battery storage systems are ready to meet demand.Andy Tang, Vice President of Wärtsilä ES&O, brings nearly two decades of expertise in battery storage and grid edge development to the table. And in our conversation, he addresses head on the impacts of rising energy density on Total Cost of Ownership (TCOE) and the hidden costs associated with larger, more complex systems. Expect to learn:Whether the race to greater energy-density batteries is really “good” for the market.The emerging challenge of noise and how Wärtsilä is addressing it through advanced design and site planningTang's advice for procurement managers in vendor & product selection.Watch this and other insightful conversations recorded live at the PowerUp Live Podcast Stage over at www.suncast.live!If you want to connect with today's guest, you'll find links to his contact info in the show notes on the blog at https://mysuncast.com/suncast-episodes/.Our Platinum Presenting Sponsor for SunCast is CPS America!SunCast is proudly supported by Trina Solar.You can learn more about all the sponsors who help make this show free for you at www.mysuncast.com/sponsors.Remember, you can always find resources, learn more about today's guest and explore recommendations, book links, and more than 730 other founder stories and startup advice at www.mysuncast.com.Subscribe to Valence, our weekly LinkedIn Newsletter, and learn the elements of compelling storytelling:

Rushi Lala is the founder and managing partner of AbsoluteLabs, a firm that specializes in helping consumer brands innovate, adapt, optimize, and achieve breakthrough results. 

“Passer en SaaS ne veut pas dire qu'on a plus de dette technique. On l'a juste mutualisée”. Dans ce quatrième épisode de la série spéciale Tech, Laurent Kretz demande conseil à Kévin Couvet, le CTO de CosaVostra, pour optimiser et anticiper au mieux sa dette technique. Un site e-commerce sera toujours contraint d'évoluer avec son écosystème, en ajoutant des couches de développement, des interfaçages et des plugins. L'ensemble de ces éléments constitue la dette technique qui, à terme, devra forcément être refondue. Kevin nous explique comment anticiper au mieux ce chantier inévitable et ainsi maîtriser au mieux le Total Cost of Ownership de son site. Dans cet épisode, on parle de :00:04:55 - Passer en mode SaaS pour mutualiser sa dette technique ; 00:07:00 - Se faire accompagner par un dev pour éviter que les nouvelles couches ne fassent régresser le site ;00:09:55 - Anticiper les mises à jour en SaaS ; 00:12:25 - Développer son site open source de manière à ce qu'il puisse évoluer facilement ; 00:17:00 - Scaler grâce à la bonne architecture serveur. Et quelques dernières infos à vous partager : Suivez Le Panier sur Instagram lepanier.podcast !Inscrivez- vous à la newsletter sur leanier.io pour cartonner en e-comm ! Écoutez les épisodes sur Apple Podcasts, Spotify ou encore Podcast AddictLe Panier est un podcast produit par CosaVostra, du label Orso Media.

Tim Lombard, Fine Gael Senator; Louise O'Reilly, Sinn Féin TD for Dublin Fingal; Matt Shanahan, Independent TD for Waterford; Louise Burne, Political Correspondent for the Irish Mirror

It's a common misconception that pre-construction consists solely of estimating costs based on drawings and coordinating subcontractor bids. Pre-construction might begin with feasibility studies and initial concepts, which help determine what is financially viable. It comprises a wide range of tasks until building begins, with designs finalized and budgets secured. The pre-construction phase involves a large amount of work. Today, we are joined by Steve Dell'Orto, the founder & CEO of ConCntric, a cloud-based construction software platform for pre-construction and construction cost estimating. With 26 years of experience in the construction industry, Steve is well-equipped to drive digital transformation in this field. He is dedicated to using his expertise to enhance innovation and technology in real estate and construction. Together with his team, Steve aims to make the built world more affordable, predictable, and sustainable, positioning them to significantly impact the future of the industry. He joined us today to discuss ways to maximize pre-construction success while also improving collaboration, affordability, and outcome certainty. Steve starts the conversation by explaining what pre-construction is and how people mistakenly view pre-construction as merely estimating costs. Steve then kindly shares the importance of the alignment of all stakeholders around common objectives, saying that successful project delivery relies on effective communication and collaboration, ensuring that everyone understands the value being provided and works towards the shared goal of a high-quality outcome. We also talk about the role of technology in renovating the construction industry. By integrating workflows and automating procedures, you may improve communication, save time, and allow skilled workers to focus on their strengths. Collaboration and transparency in gathering ideas from many stakeholders can result in substantial advancements and innovation throughout the industry. As we continue our conversation, we focus on the following aspects of the pre-construction process: the primary problem, the non-linear nature of pre-construction, risk mitigation prior to construction, the black-box approach, and the role of AI in the construction industry.   EPISODE HIGHLIGHTS [01.56] Steve's career journey at Clark Construction Group. [05.12] What is pre-construction? [08.07] Impact of the lack of financial commitment.  [12.31] The impact of a good pre-construction process.  [16.08] The importance of aligning all stakeholders around common objectives. [20.52] Careful selection of partners and clear communication.  [23.40] The importance of leveraging technology to modernize the construction industry. [27.00] Augmenting existing expertise.  [31.04] The main pain problem in the pre-construction process.  [36.15] How the non-linear nature of pre-construction influences data quality and decision-making. [39.30] Mitigating risks before construction.  [42.07] The black-box approach.  [44.00] The difference between information and data. [45.13] The role of AI in construction.  [48.32] The biggest shift in construction regarding technological application.    TIPS & TOOLS TO IMPLEMENT TODAY Always put yourself in the client's shoes Focus on the Total Cost of Ownership Prioritize Transparency and Structure Embrace Technology for Efficiency Gradual Integration of Technology   Are people problems eroding your company's profits? Discover proven strategies to lead, strategize, and sell effectively, ensuring your projects stay profitable. Elevate your construction business by purchasing Construction Genius: Effective, Hands-On, Practical, Simple, No-BS Leadership, Strategy, Sales, and Marketing Advice for Construction Companies today and turn your people problems into profit!: https://www.amazon.com/Construction-Genius-Effective-Hands-Leadership/dp/B0BHTRDY1T/ Is an executive or leader in your company struggling? Reach out to Eric to discuss how his transformative executive approach can help. Schedule a 10 minute call with Eric today to learn more: 10minuteswitheric.youcanbook.me   RESOURCES Connect with Steve LinkedIn - linkedin.com/in/stevedellorto/  Website - concntric.com/

This is a staggering statistic that most people have never been told. This will not come from the insurance carriers or anyone deep in the system because this is driving the cost increases. No one in the $4.3 trillion system actually wants you to lower your costs.Once you grasp this fundamental concept, the way you view health insurance cost in the future will forever be changed Warning once you hear this, you cannot UN-hear it.

Join us for our live event as we sit down with Founding Attorney, Lewis Landerholm, to discuss what a legal retainer is, why it's required, and how it works in a legal matter.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

 In this episode of the Personal Finance Podcast, we're going to do a Money Q&A about what are the Best Real Estate Books, Index Funds, and Mortgage Loans - Rapid FIRE  Today we are going to answer these questions: Question 1: Favorite Place to Set-Up A Roth IRA? Question 2: Real Estate Investing Book  Question 3: Why is the 6% Interest rate the Threshold for High Interest Debt?  Question 4: I want to upgrade my house in 6 years, Where do I park the money?  How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Delete Me: Use Promo Code PFP for 20% off!   Links Mentioned in This Episode:  10 Incredible Benefits of a Taxable Brokerage Account! 8 Steps to Running The Numbers on a Rental Property (THIS YEAR!) How to Run the Numbers When You Buy a House! (Total Cost of Ownership!) How to Run the Numbers on a Rental Property (And the Mistakes You MUST Avoid) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Consumer Reports offers new data that shows just how affordable Teslas are to own through the first decade of ownership, the Cybertruck gets a pricey new accessory, Tesla's craziest new Supercharger location makes notable construction progress, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call or Skype is 1-888-989-8752. The Tesla raffle from ChesedChicago is back! For your chance to win a Tesla (including a Cybertruck!) or $50,000 cash and help a great cause in the process, head to https://ccraffle.com, where you can get $25 off two tickets or $500 off of 15 tickets by using the promo code “RTL” (without the quotes).  Go to xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla, and don't forget to use the discount code “Lightning” for $100 off your purchase. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL). 

Send us a Text Message.Michael Cannon is the Cato Institute's director of health policy studies and it is his third time on the podcast. He has been on The Washingtonian's list of most influential people for four years in a row. Today, we talk about why people think the American healthcare system is “free market” and the role of prices in determining health outcomes--- and how unfettered markets improve the lives of everyone in need of healthcare. He tells us about the ways government intervention, like patchwork, distorts and attempts to undistort prices, and how it leaves us all worse off. He leaves us with a bit of hope though, so tune in for a sunbeam of optimism in the thundering sky of our health policy landscape! Want to explore more?Michael Cannon on Medicare, a Great Antidote podcast.Michael Cannon on Employer-Sponsored Healthcare, a Great Antidote podcast.Keith Smith on Free Market Healthcare, an EconTalk podcast.Explore all the EconTalk episodes on healthcare. There are a lot! Richard McKenzie and Katherine Shelton, How Free-Market Kidney Sales Can Save Lives- and Lower the Total Cost of Kidney Transplants, at Econlib.Never miss another AdamSmithWorks update.Follow us on Facebook, Twitter, and Instagram.

In this episode of the Personal Finance Podcast, we're going to do a Money Q&A about is now the right time to buy a house? Today we are going to answer these questions:  Question 1: Is now a good time to Buy a House?  Question 2: How to Get Around Personal Guarantees?  Question 3: Can you withdraw your contributions in a Roth 401(K)?  How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Delete Me: Use Promo Code PFP for 20% off!   Relevant Episodes:  The Mega-Back Door Roth IRA (How to Get an Extra $43,500 in Your Roth!) Roth 401(K) Vs Traditional 401(K): Which Should You Consider Based on Income! Should You Save for A House or Contribute to an IRA?! Buy VS. Rent: Is Buying a House a Good Investment? How to Buy a House The Right Way In 2024 How to Run the Numbers When You Buy a House! (Total Cost of Ownership!) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Edouard is the CEO of Stellantis Insurance, having spent his career building new ways to solving insurance-related needs globally. He is responsibile for creating insurance solutions to support Stellantis' growth objectives in their automotive business, where insurance can enable or hinder those aspirations. He formerly worked at Volvo and Stellantis' predecessor, PSA. He joins the show as he winds down his time leading Stellantis' efforts in Insurance, and on the back of a major announcement with Bolt on embedding auto insurance in the US market. We met over a year ago when we were part of research Capgemini was doing on the future of Mobility and its impact on insurance as part of their World Insurance Report in 2023, which Lars Boeing joined the show to discuss. I shared my work on the Future of Auto Insurance with Edouard, and was excited to bring him on the show to discuss his take on the question given his rich background in the space and being a key driver in where things are heading. Highlights from the Show Edouard began his insurance career while still in school, doing his master's dissertation on new entrants into insurance That lead to a roll at Volvo Group to setup an insurance business, which then lead to a roll with PSA (now Stellantis) to build their insurance business Why would car companies (OEMs) get into insurance? Total Cost of Ownership (TCO) - if insurance for a given car model is too expensive, people won't buy your car, so OEMs want to work to control insurance cost as part of TCO Diversification of Revenues - important in any business, and if you run it right, there's attractive margin in insurance Opportunity - insurance is a way to demonstrate to consumers that you care, and the perception of most insurers is that they're against you rather than trying to pay your claims, so OEMs are well positioned to be the solution to that issue But can OEMs succeed? They're very well positioned with existing assets – brand name with high loyalty and affinity, logistics and supply chains, key purchasing moments, repair and distribution networks, deep understanding of the physical product being insured, etc. They have the assets and resources, but the remaining challenge is execution There's also a question of whether the OEM has to be the insurer, or simply partner with insurance providers and capacity This depends on risk appetite, which is trickier in insurance since you don't know the cost of product until after it is sold Stellantis has looked at multiple models, from building their own insurer to partnering with insurers to working with platforms like Bolttech in each of their global markets to meet local needs Partnership matters because, even if you have your own insurer, you cannot and do not want to take every risk that comes in Car dealers still need to make the sale, so they need solutions beyond an OEM's insurer to be sure they don't get forced to say "No" to a customer who needs coverage We discussed whether OEM's push into subscription services means insurance mustbe part of the equation, but there are local regulations that need to be navigated that may not allow this, so Stellantis must have options for customers that could include an embedded insurance offering but has to include other paths The technology we have to enable new pathways for OEMs to sell insurance are completely different than ever before It's important for insurers to create far more technical capabilities to partner with OEMs as most insurers currently are not flexible enough for most OEM needs You can get the report at future-of-insurance.com/capgemini2023 Download The Future of Auto Insurance: Connected, Embedded, Subscribed for free today This episode is brought to you by The Future of Auto Insurance: Connected, Embedded, Subscribed, which you can download for free today, thanks to support from Guidewire. This report is part of The Future of Insurance book series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

The classic economic definition of the total cost of ownership (TCO) is the purchase price of an asset plus its operating costs over the asset's lifespan. While this may be relatively easy to calculate for hard goods like a piece of machinery, the cost factors for soft goods, such as SCADA software, are more complicated to ascertain due to their wide range of features and licensing models. Control talked with Barry Baker, vice president of Trihedral Engineering Limited, to gain some insights from his more than 30 years of SCADA systems experience in many diverse industries.

How I'm I supposed to live my life with a car that only goes 300 miles per charge when I might need to go to the dry cleaner 4 miles from my house?BONUS EPISODES available on Patreon (https://www.patreon.com/deniersplaybook) SOCIALS & MORE (https://linktr.ee/deniersplaybook) CREDITS Created by: Rollie Williams, Nicole Conlan & Ben BoultHosts: Rollie Williams & Nicole ConlanExecutive Producer: Ben Boult Producer: Gregory Haddock Editor: Brittany TerrellResearchers: Carly Rizzuto, Canute Haroldson & James CrugnaleArt: Jordan Doll Music: Tony Domenick Special thanks: The Civil Liberties Defense CenterSOURCESAllen, S. (2016, August 22). The horror of alligator attack on boy at Disney World resort is detailed in new reports. Los Angeles Times.Better Offline. (2024, May 8). Enron Musk ft. Ed Niedermeyer.Contributor, G. (2023, August 13). Are Electric Cars Really Cheaper To Own And Drive Than Gas Cars? CleanTechnica. Coren, M. (2023, August 8). Advice | Is it cheaper to refuel your EV battery or gas tank? We did the math in all 50 states. Washington Post. Electric Classic Cars. (2021, January 4). VW Beetle converted to electric in a day. YouTube. Enel X Way. (2022, November 21). Future of gas stations vs EV chargers | Enel X Way. Www.enelxway.com. Energy.Gov. (n.d.). The Cost to Charge an Electric Vehicle Explained. Energy.gov. Retrieved May 14, 2024, from https://www.energy.gov/energysaver/cost-charge-electric-vehicle-explained#:~:text=Using%20the%20U.S.%20household%20averageFederal Highway Administration. (n.d.). National Household Travel Survey. Nhts.ornl.gov. Retrieved April 24, 2024, from https://nhts.ornl.gov/vehicle-tripsFischer, J. (2022, September 22). The Average Price of an Electric Car Keeps Dropping (2024 Update). CarEdge. Forest Breaking News. (2023, September 20). WATCH: Pete Stauber Tears Into Sec. Pete Buttigieg Over EV Mandates. Www.youtube.com. fueleconomy.gov. (2019). How many gas stations are there in the U.S? Fueleconomy.gov. Hoonigan. (2017, March 28). [HOONIGAN] DT 012: Electric Smart Car Burnouts, Donuts and Other Bad Ideas. YouTube. Jalopnik. (2020, June 2). Unboxing The World's Cheapest New Car Reveals It's So Much Better Than You Think. Www.youtube.com. Jalopnik. (2021, June 29). How The Cheapest Electric Car In The World Held Up After 1 Year. YouTube. Keley Blue Book. (2024, February 13). Kelley Blue Book Reports New-Vehicle Transaction Prices Continue to Tumble, Down 3.5% Year Over Year in January. Kelley Blue Book. Marklines. (2024, January 4). USA - Flash report, Automotive sales volume, 2023 - MarkLines Automotive Industry Portal. Www.marklines.com. Meyer, R., & Jenkins, J. (2024, May 8). ‎Shift Key with Robinson Meyer and Jesse Jenkins: Elon Musk Is Putting the EV Transition in Peril on Apple Podcasts. Apple Podcasts. Nadel, S. (2024, January 10). Charging Ahead: How EVs Could Drive Down Electricity Rates | ACEEE. Www.aceee.org. Not Just Bikes. (2023, March 6). These Stupid Trucks are Literally Killing Us. Www.youtube.com. Office of Energy Efficiency & Renewable Energy. (2022, March 21). FOTW #1230, March 21, 2022: More than Half of all Daily Trips Were Less than Three Miles in 2021. Energy.gov. Policy, A. P. (2024, March 7). Comparing the Total Cost of Ownership of the Most Popular Vehicles in the United States. Atlas Public Policy. Randall, T. (2023, March 9). US Electric Cars Set Record With Almost 300-Mile Average Range. Bloomberg.com. Shilling, E. (2022, January 27). Trucks And SUVs Are Now Over 80 Percent Of New Car Sales In The U.S. Jalopnik. Squires, A. (2023, June 27). Building the 2030 National Charging Network. Www.nrel.gov. St. John, J. (2024, May 2). Tesla's Supercharger team layoffs perplex EV charging industry. Canary Media. Sturges, D. (2023). Near to Far: A design for a new equitable and sustainable transportation system. Dan Sturges.The Economic Times. (2023, December 3). Trump on electric vehicles: “They don't go far, they cost a fortune.” Www.youtube.com. The International Council on Clean Transportation. (n.d.). Five things you know about electric vehicles that aren't exactly true. International Council on Clean Transportation. The Simpsons. (n.d.). The Simpsons - Electric car of the future. Www.youtube.com. Retrieved May 14, 2024, from https://www.youtube.com/watch?v=0wjyaF8ut_E. Season 14, Episode 7.Torchinsky, J. (2023, April 27). This Indian-Market Brochure For The New MG Comet EV Is Concentrated Cringe Injected Right Into Your Brain. The Autopian. Torchinsky, J. (2024a, January 5). You'll Never Guess The Technology That Hospital Beds And Premium Cars Share, And For Very Different Purposes. The Autopian. Torchinsky, J. (2024b, January 8). VW Will Be The First Carmaker To Offer Integrated ChatGPT After All None Of You Demanded It. The Autopian. Torchinsky, J. (2024c, January 24). EV Startup Canoo Announces Deal With Post Office To Provide A Comically Small Number Of Vans. The Autopian. Torchinsky, J. (2024d, January 30). America Is Missing Out on the Best Electric Cars. The Atlantic. Torchinsky, J. (2024e, February 27). Congratulations! You Have Achieved The Same Results As Apple's 10-Year-Long EV Program Which They Just Shut Down. The Autopian. Torchinsky, J. (2024f, March 29). Huge Smartphone Company Xiaomi Just Showed The World Their Under-$30,000 Tesla Model 3 Fighter. The Autopian. Torchinsky, J. (2024g, April 12). “Fully Automated AVs May Never Be Able To Operate Safely” Says One Of The Oldest Professional Computing Technology Organizations. The Autopian. Witt, J. (2022, December 12). Winter & Cold Weather EV Range Loss in 7,000 Cars. Www.recurrentauto.com.Additional Media: The horror of alligator attack on boy at Disney World resort is detailed in new reports - Los Angeles TimesAmerica Is Missing Out on the Best Electric Cars - The AtlanticRobinson Meyer, Elon Musk Is Putting the EV Transition in PerilEd Zitron, Enron Musk Ft. Ed NiedermeyerVW Beetle converted to electric in a dayHow The Cheapest Electric Car In The World Held Up After 1 YearUnboxing The World's Cheapest New Car Reveals It's So Much Better Than You Think[HOONIGAN] DT 012: Electric Smart Car Burnouts, Donuts and Other Bad IdeasI'm an electric car - The SimpsonsWATCH: Pete Stauber Tears Into Sec. Pete Buttigieg Over EV MandatesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode 317: We're thrilled to announce that The Heavy Duty Parts Report is now presented by the Heavy Duty Consulting Corporation. Our consulting company works with manufacturers, distributors and repair centers to solve problems in their business.Our featured guest, Len Gonzalez, Director Aftermarket of Sales at MGM Brakes, has spent over 40 years helping fleets lower their total cost of operation. Join the conversation as Len excitedly shares their new high-quality brake product called LTS Brake, designed for long-lasting performance.Show Notes: Visit HeavyDutyPartsReport.com for complete show notes of this episode and to subscribe to all our content.Sponsors of this EpisodeHeavy Duty Consulting Corporation: Find out how many “fault codes” your heavy-duty parts business has. Meet with us today. Visit HeavyDutyConsulting.comHengst Filtration: There's a new premium filter option for fleets. If you're responsible for a fleet, you won't believe how much using Hengst filters will save you. But you've got to go to HeavyDutyPartsReport.com/Hengst to find out how much.Diesel Laptops: Diesel Laptops is so much more than just a provider of diagnostic tools. They're your shop efficiency solution company. Learn more about everything Diesel Laptops can do for you today by visiting DieselLaptops.com today.HDA Truck Pride: They're the heart of the independent parts and service channel. They have 750 parts stores and 450 service centers conveniently located across the US and Canada. Visit HeavyDutyPartsReport.com/HDATruckPride today to find a location near you.Disclaimer: This content and description may contain affiliate links, which means that if you click on one of the product links, The Heavy Duty Parts Report may receive a commission.  Sign up for our weekly email so you never miss out on an episode: Follow the Show

Is your organization effectively leveraging cloud technologies to boost efficiency and advance sustainability? In this enlightening episode of Tech Talks Daily, we sit down with Steen Dalgas, Senior Cloud Economist at Nutanix, to unravel the complexities of cloud economics and its pivotal role in driving sustainable technological advancements and robust multi-cloud environments. Steen shares his expertise on how Nutanix, a company at the forefront of hyper-converged infrastructure, is revolutionizing the way enterprises approach cloud technology, delivering substantial cost benefits and enhanced operational flexibility. We dive into how cloud economists like Steen are instrumental in crafting transparent Total Cost of Ownership (TCO) models that extend beyond mere cost analysis to include profitability, risk, and sustainability. Moreover, we discuss the critical role of Environmental, Social, and Governance (ESG) factors in today's IT strategies. Steen explains how Nutanix is tackling IT emissions through optimized operations and a dedication to renewable energy, thus making a significant impact on the company's carbon footprint. The conversation also covers the evolution of hybrid multi-cloud architectures, addressing the inherent complexities and how Nutanix aims to streamline these through standardized operating models. Plus, we explore the emergence of marketplaces designed to facilitate frictionless IT solution purchases with clear pricing models. Join us as Steen Dalgas shares valuable insights on why there are no shortcuts to achieving Net Zero and how digital sobriety should be part of every organization's strategy to ensure sustainable and financially sound cloud solutions. What are the sustainable practices your organization has implemented in its cloud strategy? Share your thoughts and join the conversation on our social media channels or leave a comment below.    

This week we're covering a subscriber-requested topic on the total starting cost for wedding attire. For daily content, follow @weddingfashionexpert on Instagram!   www.weddingfashionexpert.com www.lovellabridal.com FOLLOW @WEDDINGFASHIONEXPERT ON SOCIAL: Instagram & TikTok SUBSCRIBE ON YOUTUBE! NEW Episode every Wednesday for #WeddingWednesday  READ MY BOOK  FREE DOWNLOADS Online Education for Wedding Professionals Speaking & Appearances SHOP MY AMAZON STORE GET SOCIAL WITH LOVELLA:  Instagram: @lovellabridal @lovellaplus  TikTok: @lovellabridal Pinterest

In this episode of the Personal Finance Podcast, we are going to talk about how to buy a house the right way in 2024. How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Delete Me: Use Promo Code PFP20 for 20% off!  Links Mentioned in This Episode:  Here is the Total Cost of Ownership Calculator Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Personal Finance Podcast, we are going to do a Money Q&A about what to do if you started investing late. Today we are going to answer these questions!  Question 1: What do I do with a high-interest mortgage?  Question 2: What do I do If I started Investing Late?  Question 3: How to get started in real estate investing? How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Delete Me: Use Promo Code PFP20 for 20% off!  Links Mentioned in This Episode:  Here is the Total Cost of Ownership Calculator 26 Ways to Find Real Estate Deals (Some You Have Never Heard Of!) 5 Ways Rental Properties Will Make You A Real Estate Millionaire Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we discuss the total cost of RV ownership.  Many people think once you purchase an RV, the spending is over.  Sadly, there are many more expenses that go along with that RV and we are talking about them all.   Ultimate Cloth https://www.ultimatecloth.com/TWD SAVE 15% with Code TWD15   Check out our YouTube Channel:  https://www.youtube.com/travelswithdelaney   Follow us on INSTAGRAM and FACEBOOK: @travelswithdelaney   Checkout our website: https://www.travelswithdelaney.com   RV DESTINATIONS MAGAZINE: https://www.rvdestinationsmagazine.com/TravelDelaney USE CODE: TRAVELDELANEY20 to save 20% off of any of their subscriptions Don't Just Camp; Camp Happy! https://www.camphappyacres.com

Interest rates could likely be coming down, we discuss when, and we also talk about how much an ETF costs. And as the Magnificent Seven results start to roll in, are some of these stocks a buy?00:33 Tesla's Slower Growth in 202401:37 Verizon's Strong Q402:36 Netflix's Booming Subscriber Growth03:31 The Total Cost of Owning an ETF04:19 Why Do the Costs of ETFs Vary?04:49 How Should Investors Measure ETF Holding Costs?  05:39 Tracking Costs vs Tracking Error06:21 What Are Transaction Costs?06:51 Holding Costs vs Transaction Costs07:45 Fed Unlikely to Cut Interest Rates in March, but What About May? Read about topics from this episode.  Tesla Earnings: Slower Growth Expected in 2024 Verizon Earnings: Stellar Cash Flow and Pricing Discipline Bode Well Netflix Earnings: Performance and Outlook Impressive, but Subscriber Growth Should ModerateWhat Is the Total Cost of Owning an ETF? When Will the Fed Start Cutting Interest Rates? What to watch from Morningstar.Could Company 401(k)s Go the Way of IBM? Why Now Is the Time for Value InvestingAI Can Help Restaurants Innovate, But Will It Deliver Profits?Betting Big on Stocks Rarely Beats Boring Investing Read what our team is writing:Ruth Saldanha Zachary Evens Preston Caldwell Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/  

The total cost of owning an exchange-traded fund can be roughly split into two parts: holding costs and transaction costs.(Fees are only a small part of the equation.)  Today's Stocks & Topics: SWK - Stanley Black & Decker Inc., AGM - Federal Agricultural Mortgage Corp. Cl C, MPW - Medical Properties Trust Inc., AGM - Federal Agricultural Mortgage Corp. Cl C, 529 Plan, Bank Earnings.Our Sponsors:* Check out Monarch Money and use my code INVESTTALK for a great deal: https://www.monarchmoney.com/* Check out Rosetta Stone and use my code TODAY for a great deal: https://www.rosettastone.com/Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this highlight episode we feature Andy McQuade, a seasoned consultant in the commercial multifamily real estate sector. Andy shared his insights on common issues faced by operators and how his Total Cost of Ownership (TCO) method is revolutionizing the way they manage and increase their properties' net operating income (NOI) and return on investment (ROI).Andy's background includes over two decades in the supply side of real estate, which has equipped him with a deep understanding of the challenges operators face. His transition to consulting has allowed him to leverage this experience to help operators enhance their portfolios by adopting best practices from across the industry.Throughout the conversation, Andy emphasized the importance of looking beyond the initial purchase price of products and considering the long-term costs associated with maintenance, utilities, and disposal. He provided compelling examples, such as the choice between traditional smoke detectors and 10-year sealed units, and the decision to replace flappers in toilets with more durable options. These examples highlighted how operators can save significant amounts of money and time by making more informed purchasing decisions.Andy also touched on the importance of process costing, which includes all expenses related to a maintenance task, not just the cost of materials but also the labor and associated overheads. He stressed the need for operators to think about the end goal and how every decision, no matter how small, should align with the overall business strategy.Remember to like, subscribe, and share the Real Estate Syndication Show with friends interested in building wealth through real estate. For those ready to start investing, visit lifebridgecapital.com to begin your journey today.Click the links below to tune in to the full episodes.https://lifebridgecapital.com/2023/10/03/increase-your-net-operating-income-with-the-tco-method-andy-mcquade/https://lifebridgecapital.com/2023/10/02/this-model-could-help-you-save-money-on-every-property-andy-mcquade/VISIT OUR WEBSITEhttps://lifebridgecapital.com/Here are ways you can work with us here at Life Bridge Capital:⚡️START INVESTING TODAY: If you think that real estate syndication may be right for you, contact us today to learn more about our current investment opportunities: https://lifebridgecapital.com/investwithlbc⚡️Watch on YouTube: https://www.youtube.com/@TheRealEstateSyndicationShow