Podcasts about true cost

On the show this week, I draw on real-world experiences from current retirees to uncover the surprises, challenges, and valuable lessons they wish they'd known before stepping into retirement. If you're curious about the realities of social interaction after leaving the workforce, managing rising healthcare costs, or navigating company-specific 401(k) features, this episode is for you.    You will want to hear this episode if you are interested in... [00:00] Retirement lessons from retirees [08:23] Prioritizing tax planning in retirement [15:06] Retirement accounts & investment insights [20:20] Surprises, joys, and challenges of retirement [25:40] Retirement costs and income trends [29:33] Feeling free and contented as a retiree   Real-World Wisdom for a Confident Retirement We imagine endless free time, new adventures, and freedom from work stress—but what is retirement really like? In my years guiding clients through retirement, I often ask retirees, "What surprised you most?" What do you wish you'd known? What would you warn others about? These questions have uncovered truths that go beyond finances and touch on the emotional, social, and practical realities of retirement. Social Connections: The One Thing You Can't Save for in an Account One of the biggest things retirees miss from their working years is the daily social interaction. While the freedom from commutes, meetings, and workplace stress is lauded, losing those daily connections can leave a gap that's hard to fill. For those who draw much of their sense of identity and purpose from their careers, this can be especially jarring. Structuring your weeks, finding new sources of community, and keeping your mind engaged become just as important as managing your income streams. Health, Taxes, and the True Cost of Living Even with careful planning, some expenses in retirement can catch people off guard. Health insurance costs (including deductibles, vision, and dental plans) often rise higher than expected. The end of workplace group insurance makes the cost and complexity of health coverage feel much more real. Inflation and utility bills also bite into budgets—sometimes spiking enough that even conservative projections fall short. For example, one of my clients saw their trash bill go up by 35% and their homeowners' insurance by 25% in a single year. Taxes are another recurring theme. Many are surprised to learn that not only do taxes not disappear in retirement, but they can be significant, particularly with Social Security benefits subject to federal (and, in some states, local) taxation. Time, Freedom, and Flexibility It's not all challenges, of course. Many retirees I know say they actually enjoy retirement more than expected. The ability to control your schedule, indulge in more travel (with strategic timing to save money), and enjoy less stress are rewards that many say "you can't put a price on." When every day is a Saturday, the power to choose makes all the difference. Preparation Outweighs Guesswork If there's one recurring thread, it's this: those who enjoy retirement most are the ones who entered it with a clear, written plan. Whether forced into it early by layoffs or health issues, or able to choose the optimal time, being prepared gives you confidence and flexibility. My advice is don't wait, start planning well before your retirement date, and remember to factor in the emotional side of retirement, not just the dollars and cents. Then review your plan with professionals who can help you adapt as things change. Retirement isn't just about the numbers, it's about building a life with meaning, joy, and resilience. Listen to those who've been there, adapt to life's surprises, and give yourself the best chance to retire strong, happy, and worry-free.   Resources & People Mentioned 3 Steps to Retirement Planning   Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

In collaboration with other independent podcasters during the global Podcasthon charity event, ADHD-ish host Diann Wingert is opening up about the real costs women face when their ADHD goes undiagnosed for far too long—especially those running their own businesses.From emotional tolls and damage to self-worth, to identity crises and financial setbacks, Diann unpacks how the ADHD diagnostic criteria based on the behavior of young boys has resulted in several generations of females going undiagnosed, forcing them to struggle and overcompensate just to get by.This episode is a heartfelt exploration of what it means to finally get answers after decades of struggle, and the reckoning that follows. Diann shares her own journey from therapist to entrepreneur, the lessons she learned raising kids with ADHD, and the impact a late diagnosis had on her life and work.She also introduces listeners to the nonprofit “Find the ADHD Girls,” an organization dedicated to closing the diagnostic gap for girls everywhere, and invites you to make a difference. You can make a donation or simply share this episode to raise awareness.So grab your favorite drink and settle in, because this week's episode is about honesty, hope, and shifting the narrative for women and girls who've always felt just a little out of step with the world.3 key takeaways:Masking isn't thriving. Many women spend years camouflaging their struggles, only to later realize they were “passing for normal” rather than actually okay.Delayed diagnosis has real professional costs. Every ounce of energy spent managing ourselves is bandwidth that's not going into growth, strategy, or creativity in our businesses—and it adds up.Early awareness changes lives. The sooner ADHD is identified—especially in girls—the fewer years are lost to self-blame and missed opportunities.About the hostDiann Wingert is a passionate advocate and expert on ADHD, rooted in her own delayed diagnosis, as well as two decades of experience as a licensed psychotherapist, serial business owner, and parent of several children with ADHD.For years, Diann—and many women like her—carried a persistent sense that “something's wrong with me,” a quiet conviction fed by a lack of answers and the feeling that everyone else had life figured out. This experience led her to see the reality: women with ADHD were hiding in plain sight, while the world slowly learned to recognize their struggles.Now, as the host of the podcast ADHD-ish and an internationally recognized ADHD business coach, Diann welcomes a community of listeners searching for understanding and authenticity, promising strategic guidance and an honest exploration into what it means to live and run a business with ADHDSuggested Listener Action Steps:Donate to Find the ADHD Girls: help close the ADHD diagnostic gap for girls.Share the Episode: If a donation isn't possible, share this episode with someone who might benefit from it, raising awareness about ADHD in women and girls.Visit the Podcasthon site and support other independent podcasters and non-profit organizations.Visit the Find The ADHD Girls site for additional resources© 2026 ADHD-ish Podcast. Intro music by Ishan Dincer / Melody Loops / Outro music by Vladimir / Bobi Music / All rights reserved.

In this episode, Mike McNamara discusses the hidden expenses of homeownership and strategies for enduring a potential market downturn. He argues that most homeowners significantly underestimate total costs, emphasizing that mortgage payments are merely a financial floor rather than a ceiling. To manage these properties, he recommends budgeting at least two percent of a home's value annually to cover rising insurance premiums, taxes, and inevitable maintenance like roof or septic repairs. Transitioning to investment advice, McNamara warns that the current economy is due for a period of high volatility or a bear market. He advises retirees to protect themselves by maintaining two to three years of cash reserves in "income buckets" to avoid selling assets during a crash. Ultimately, he encourages listeners to proactively stress-test their financial plans to ensure long-term stability regardless of economic shifts. Michael J. McNamara, Ph.D., CFP®, is the founder of McNamara Financial. A seasoned financial planner with over 40 years of experience, Mike is now semi-retired and works exclusively with long-time clients and a select few new ones.

True Cost

In this episode of Out of the Clouds, host Anne V. Mühlethaler welcomes Katia Dayan Vladimirova, a senior sustainability policy expert with almost fifteen years of research experience at the intersection of fashion, policy, and social change. Katia is the founder of the Post Growth Fashion Agency, a boutique advisory service working with local and national governments and NGOs to transform how we consume and dispose of fashion. She is also the author of the Substack Post Growth Fashion, the founder of the International Research Network on Sustainable Fashion Consumption — now hosted at Yale and bringing together close to 180 researchers globally — and the founder of Well Rounded, the first plastic-free underwear brand made in Europe, with a supply chain traced all the way to cotton fields in Greece. She holds a double PhD in climate ethics and political science, and has studied and worked at institutions including the London School of Economics, MIT, ULB in Brussels, LUISS in Rome, and UNIGE in Geneva.The conversation begins with Katia sharing her story. Anne and Katia then get into the ideas at the heart of Katia's work. She unpacks degrowth and sufficiency, making the case that the labels do these concepts a disservice, since studies show overwhelming public support for the underlying principles once they are actually explained. Applied to fashion, she is interested not in restricting creativity but in shifting how we experience clothing: through swapping, renting, repairing, community events, and a deeper relationship with what we already own. She talks about the Rule of Five, how we would each need to limit ourselves to in order to stay within the planetary boundaries aligned with the Paris Agreement's target. The pair also discuss the role of cities in managing textile waste and Katia's work with Geneva, Luxembourg, Amsterdam, and others to make sustainable fashion alternatives viable at a local level. She notes that in Geneva, only 3% of donated garments are redistributed locally; the rest enter a global stream that ends up, in large part, in open-air landfills in West Africa. Katia then shares the argument at the heart of her essay The Trojan Horse of Fashion: that the oversupply of secondhand. itself a product of fast fashion overproduction, is creating a bubble that will burst within five to ten years, forcing a major restructuring of the industry. An exceptionally knowledgeable, warm, and surprisingly joyful conversation on one of the most urgent topics of our time. Happy listening!Connect with Katia Dayan Vladimirova:Find Katia on LinkedInPost Growth Fashion SubstackPost Growth Fashion AgencyInternational Research Network on Sustainable Fashion ConsumptionWell Rounded — Katia's circular underwear brandReferenced in the episode:The True Cost movie — Documentary (2014) directed by Andrew MorganRana Plaza — Background on the 2013 factory collapse in Dhaka, BangladeshHot Cool Institute — Berlin-based think tank; co-authors of the 2022 global fashion consumption reportThe Rule of Five — Campaign inspired by the five-garment-per-year findingParis Agreement — The 2015 climate accord and its 1.5-degree targetVestiaire Collective — Secondhand platform referenced by AnneHUT / Caritas Luxembourg — One-stop sustainable fashion hub in LuxembourgKate Fletcher — Pioneer in sustainable fashion, featured in Katia's webinar seriesDilys Williams — Sustainable fashion academic, featured in Katia's webinar seriesJason Hickel — Degrowth scholar referenced in the conversationProject 333 — Capsule wardrobe challenge referenced in the conversationGabriela Hearst — Designer referenced by Anne for her approach to materialsSatoshi Kuwata — Milan-based designer mentioned by Katia as an example of genuine creative resilienceTim Lomas — Positive psychology professor, featured in an earlier Out of the Clouds episode, Your Story Your Map: — a contemplative guide to help you trace the arc of your life with intention. Get it hereVisit our website Out of the Clouds : https://outoftheclouds.com/Find us on Instagram: https://www.instagram.com/_outofthecloudsAnne on Instagram: https://www.instagram.com/annvi/Anne on BlueSky: https://bsky.app/profile/annvi.bsky.socialAnne on LinkedIn: https://www.linkedin.com/in/anne-v-muhlethaler/Please subscribe and leave us a review ✨ Hosted on Acast. See acast.com/privacy for more information.

Peter Greenberg, travel expert and host of Eye on Travel on WGN Radio, joins Wendy Snyder, in for Lisa Dent, to discuss new airline routes for the summer, a hidden cell phone feature for outdoor travel, and how to figure out the true cost of a vacation before traveling.

True Cost

In this week's Grow Guides episode, we take an honest look at the realities of growing at home. The things people don't always talk about before starting their first setup. We break down the true cost of growing, from equipment and electricity to the hidden expenses that can creep in over time. We also discuss the time commitment required to properly care for plants, and why growing isn't quite as “set and forget” as some people might think. The conversation also moves into practical considerations like managing noise, smell, and privacy, especially for growers trying to keep things discreet at home. From loud extraction fans to odour control, these are factors every grower needs to plan for. We also discuss burnout and over-scaling, a common trap where growers expand too quickly and end up overwhelmed, and we finish by exploring the mental side of growing, the patience, discipline, and mindset that help turn a stressful grow into an enjoyable and rewarding one. This episode is all about keeping expectations realistic and helping growers build setups they can actually manage long term.

Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria, a couple in their thirties with three children who own a home they adore in the suburbs of New York. Despite a beautiful house and growing family, their financial reality is grim. They are facing a structural financial problem, with 97% of their take-home pay consumed by fixed costs and less than a week's worth of savings. Ramit helps them confront the deep-seated issues that are keeping them in a constant state of financial precarity, from their avoidance of tough money conversations to inherited money scripts from childhood. Can John and Victoria break free from their cycle of justification and short-term thinking to secure their family's future, or will their dream home remain their biggest financial burden? In this episode we uncover: • How 97% fixed costs lead to a desperate financial situation • The role of a vacation in triggering their mortgage payment crisis • Their alarming "once a year" approach to discussing money • The mental gymnastics behind their Amazon purchases • A revealing peek at their "money wishlist" revealing crazy renovation plans • The shocking truth about their combined total net worth • The impact of a significant annual financial gift on their spending habits • Victoria's avoidance of medical bills and connection to her mother's money habits • Ramit's candid warning about their path to losing their home • The critical choice they face: the house or their financial stability Chapters: (00:00:00) Introduction (00:02:37) The Mortgage Crisis and Vacation Spending (00:07:45) Their "Once a Year" Money Talks (00:16:14) The Amazon Justification and Money Wishlist (00:25:10) A High Net Worth, Zero Liquidity (00:30:15) The Emotional Cost of Financial Struggle (00:41:50) The True Cost of Their Grocery Spending (00:48:10) Understanding Their Credit Card Debt (01:09:31) Ramit's Dire Warning: The Threat to Their Home (01:13:07) A Fork in the Road: House vs. Financial Stability This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit3. Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  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 Do you want to retire in the next 5 years but wonder if you have enough? If so, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply

This episode features Barry Skolnick - entrepreneur, and collector of luxury cars.Barry shares the story behind building Ikonick and how he turned his passion for art, culture, and business into a successful company. In this conversation, we talk about:• How Barry built and scaled his companies• The mindset and discipline behind a successful brand• His passion for collecting contemporary art and iconic Ferrari models • Bitcoin Crash, banking, investing, and digital money• Current state of IranIf you're interested in entrepreneurship, business strategy, e-commerce, branding, luxury lifestyle, exotic cars, or building a successful brand, this episode is for you.Like & subscribe to support the channel and stay tuned for more conversations with entrepreneurs, creators, and industry leaders.----

Ep. 150 of Real Black News features Pulitzer Prize-winning journalist Trymaine Lee discussing his book, A Thousand Ways to Die: The True Cost of Violence on Black Life in America a work that merges memoir with reporting to examine how systemic racism, historical trauma, and gun violence impact Black life. Inspired by his own 38-year-old heart attack, he explores the emotional, physical, and ancestral weight of violence. 

Are "cheap" bank loans really cheap? And are you asking the wrong question about the rate of return? In this episode, we break down pages 68–70 of Becoming Your Own Banker and uncover the hidden cost of acquisition, why chasing higher returns misses the point, and how Infinite Banking can create true generational wealth.

Stephen Grootes speaks to Amo Ramela, morning traffic reporter on 702, Dr Megan Bruwer from Stellenbosch University’s transport and logistics department, and independent transport economist Ofentse Madisha about growing congestion in Johannesburg and Cape Town, where commuters say traffic volumes have surged since the start of the year. With more vehicles on the road, shifting work and school patterns, and ongoing pressure on public transport systems, many South Africans are spending longer hours behind the wheel. Beyond daily frustration, rising congestion raises questions about lost productivity, increased fuel costs and the broader economic impact on two of the country’s most important metros. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Hello Flower friends. Today we're gonna talk about style shoots, and I've been reminded of  really like  the costs, not only  from a, you know.  Actual phy physical costs, like money, you have to pay for the flowers and all these things, but like the emotional costs and the mental energy that you're using there, it's so much bigger than I think somebody looking in on Instagram at somebody's magical moment really is.So, style shoots are super glamorous on Instagram, but let's really talk about the actual cost you. Because  that's way, way, way, way, way more than flowers. All right, so let's start off with the real cost of flowers.  You are usually not putting your shoddy foot forward, so we're not usually putting in things that are leftovers or are maybe not at their peak of their prime, usually not basic Betty Flowers you're using.Buying premium blooms, you're designing multiple pieces for content. So a ceremony, a table, a bouquet, an installation on and on.  Flowers are often not easily repurposable for paid work, so you're not like able to just, I'm gonna take all these and then tear it apart and then use it for a paid job. Usually there isn't that like great opportunity to do that. And then there's a risk of waste if designs don't photograph well, like you could potentially have something that just doesn't photograph well for some reason. Um, this is a marketing expense,  not a fun creative project. It costs money to market. In styled shoots are a way to market your business in several levels.Marketing with the pictures that you're getting in the long run. Marketing, hopefully if you have a team on board that is stellar and is, you know,  uh,  people who are usually kind of at their top of their game that are, are vendors that like to be submitted for styled shoots for potential publication. Then there's a relationship capital. The relationships that you build at these, it's just, there's just domino of value, and  I would love for you to get that value out of those situations, but I would love for you not to blow your marketing budget on one.  All right, the next one.  Is really the time costs, and nobody really talks about this, but as someone who backs into what my hourly wage is. Often and does that with coaching clients, like things take time, mood boards, conceptions, like all of those things, take time. Emailing with collaborators, coordinating schedules, chasing deliverables, packing and loading, and set up and tear down, editing content, posting, tagging, following up. You could easily put in 24 40, 22, 40 hours into one shoot.Easy.  Um, and that's time you could have spent designing for paying clients, working on your business or imagine this resting.  All right. The next one is the mental and emotional load.  This part is exhausting.  Will the photographer deliver the actual.  Like look and feel that I'm going for, will this venue share the images?Will this even attract my ideal client?  Do I choose? Did I choose? Like,  you know, you're always looking at something and you're just like, oh my God, it's so beautiful. But really, did you choose the right color palette, concept model, and all of that for the right. You know, venue and all of that with the right photographer.'cause like all these things kind of meld together. The emotional labor on this is totally real.  All right. Then there is the collaboration tax.  Even with donations, you are still coordinating a mini production.  You are often carrying the creative and logistics load because like the flowers are the prettiest part of that. I care about things being really fucking pretty when I'm doing these types of things, and  that can sometimes be dicey, so  I, I wanna make sure that I'm getting the right team in place.  All right, and then you're relying on other people's professionalism. You can't, don't control timelines, edits, or brand alignment, and sometimes you walk away with images you don't even want to use, which is a complete truth.I had this exact example when gay marriage was legalized in Minnesota.  Somebody invited me into a inclusive shoot that was basically like a pride themed. It was in June, so it was going to be published in like a local pride, um, themed magazine and on and on, and.  The photographer, like I really liked them as a person, but that was some dark and booty shit.Like they just have a darker photo style than I like to fill my feed with. I like light and airy. I think light and airy speaks to money,  and  so I spent close to a thousand dollars of flowers  and I mean, I can say that I did it and I did it for a good reason to celebrate,  but.  I didn't post those photos because they were too dark and it just wasn't my jam. All right,  then here's the hard truth. Style shoots are high effort, high emotional output,  like high cost, low certainty  from an ROI perspective. They can be,  but. They're not only the one way to build a portfolio or elevate your brand, and I think that's how most people think that they need to do it.  So  I wanna talk about why workshops could be depending on where you're at,  a smarter move. So instead of spending potentially a thousand dollars on flowers, coordinating with six vendors, hoping the photos turn out, crossing your fingers, that everything comes together, that your model shows up, that your, you know, photographer delivers and doesn't take a million years, and  your makeup artist shows up and just all of those things. Those are all like you're resting a lot of the success of this on other people. But  when you go to a workshop, you get this curated high-end installs, professional photography, intentional design for portfolio use. You get education strategy, hands-on, skill building and content that actually aligns with higher end clients.So I.  I want you to remove the guesswork and the what if anxiety and the production stress and wasted time, and really replace it with strategic brand positioning, portfolio content. You're proud of  education and confidence and an excellent real ROI like.  You actually did something. This wasn't just objective.You're like, you did something that you have this experience, you learned and you got this portfolio. It's just like so magical.  I know 'cause I have designed and put together so many styled shoots that this can be a beast.  And I have seen Floris go in and spend three, $4,000 get horse shit. Direction from the person running the style shoot.I realistically won't really do a style shoot unless I am collaborating with a, an event designer. So somebody that really lives in the design space and I have heavy impact, I. In the decisions I, and also I potentially brought the initial VIN vision to fruition. I normally just like to do run with myself, you know, like, here's the concept, I'm gonna run with it because I don't want to get.Bogged up in details that are easy for me to figure out, but we have to have like 30 minute conversations about fucking glasses. I just don't have time for that. Like I'll figure out the glasses, they'll be fine. They'll be beautiful. Like I just went and figured out all the linens for four different things that are coming up and it was just absolutely stunning.So.  If you're feeling exhausted by trying to DIY, your brand elevation through style shoots or maybe your  portfolio,  uh, elevation, there's an easier way, and I have three workshops coming up that will nail  any one of these goals. And if you want to even do two even better because then you would get a more diverse portfolio. 

What is the TRUE COST of your TRADESPEOPLE?A lot of tradies and builders misunderstand how much their people actually cost their business, and, because of that misunderstanding, they undercharge for the labour they're selling.Labour is one of the biggest costs in a trades business, and if you don't charge enough, you won't be profitable. You have to put time and energy into understanding your business's numbers and making sure you run your business profitably.How do you do this? I've made a tool called the Tradie Labour Cost Calculator - it calculates the REAL cost of tradespeople. Get it and calculate the cost of your people for how you pay them, and how you charge your customers.And start charging enough to cover their costs to your business.That's your job now: to make sure your business IS profitable.--------------------------------------Get the Tradie Labour Cost Calculator for Trades and Builders here: https://www.smallfish.com.au/tradies/true-cost/If you want more money (profit), more time (off work), and more freedom (from work, stress, responsibility), Book a Money Call: smallfish.com.au/tradies/money-call/FOLLOW US AT:Facebook: https://www.facebook.com/smallfishcoach/Twitter: https://twitter.com/smallfishcoachInstagram: https://www.instagram.com/smallfishbusinesscoach/YouTube channel: https://www.youtube.com/c/smallfishau

The ecological transition applied to mobility is often presented as a constraint. However, for an overwhelming majority of French people, cars remain essential: 85% say they are dependent on them daily, and up to 90% in rural areas. Getting around means accessing employment, healthcare, and social life. This reality is highlighted in the new episode of the On The Way podcast, through the findings of the study "French Car Budget - 2025 Edition", conducted by Roole.This study reveals a key figure: the average budget allocated to cars is €416 per month, equivalent to nearly a third of the minimum wage. Even more striking, two-thirds of this cost is not related to usage, but to fixed, non-negotiable expenses (purchase, insurance, parking, maintenance). This insight is essential to understanding why mobility weighs so heavily on households and why 15 million French people are currently in a situation of mobility precariousness, having already given up on a trip due to lack of solutions.Beyond the observation, this episode also highlights Roole's commitment to more responsible, solidarity-based, and fair mobility. Among the initiatives presented: "Donnez votre voiture" (Give Your Car), a platform that allows you to donate a still-operational vehicle and deduct the residual value of your car from your taxes! These cars are then put back into circulation through solidarity garages, benefiting people in difficulty. A simple, eco-friendly, and solidarity-driven gesture that restores mobility's fundamental role as a tool for social inclusion.And because commitment doesn't stop there, discover also the Roole Map application: the first all-in-one app designed for your vehicle, whether it's thermal, hybrid, or electric. Need an optimized route? A gas station at the best price? A available charging point? An accessible parking lot 24/7? Roole Map accompanies you simply, daily, to facilitate all your trips.

In today's devotional, Dr. Michael A. Youssef explains that it is better to lose a battle than to sacrifice your witness. If you would like more insight into today's devotional topic, watch or listen to Dr. Michael A. Youssef's sermon Healthy Living in a Sick World, Part 8: LISTEN NOW | WATCH NOWNEW FOR YOUR GIFT OF ANY AMOUNTYou've seen the shift. You've felt the uneasiness. You know something is changing in America—and not for the better. Under the guise of political correctness, a quiet takeover is happening in our nation. In Unholy Alliance, Dr. Michael A. Youssef reveals the coordinated movement behind it all—and how you can stand firm in a time of deception.Unholy Alliance is Dr. Youssef's most urgent book in 50 years. It's time for the Church to find its voice—and rediscover its mission—before it's too late. Pre-order your copy today for your gift of any amount!*Offer valid through April 5, 2026, in US, UK, and Canada.  The voice you hear on the MY Devotional podcast is digitally generated with Dr. Youssef's permission. If today's devotional stirred a question, burden, or need for prayer, you don't have to walk through it alone.

Buying property in NYC is about far more than the purchase price. Today, we are unpacking the true cost of owning in NYC—the expenses that often surprise buyers long after the closing table.   From monthly carrying costs and common charges to unexpected assessments, property taxes, and rising insurance premiums, ownership in this market comes with layers of financial responsibility that demand careful planning. Whether you're considering a co-op, condo, or townhouse, understanding these costs upfront can mean the difference between a comfortable ownership experience and a financial strain.    This conversation is about  clarity, preparedness  and making smarter, more informed decisions in one of the most complex real estate markets in the world.   Filmed at Brown Harris Stevens' Studio 1873, Part of the Mastery of Real Estate (MORE) Network.   Subscribe: https://podcasts.apple.com/us/podcast/talking-new-york-real-estate-with-vince-rocco/id1645541166   Connect with Vince Rocco: https://www.bhsusa.com/real-estate-agent/vince-rocco   Brown Harris Stevens is one of the largest privately owned real estate brokerages in the country, with more than 40 offices across four states: New York, New Jersey, Connecticut, and Florida.   https://bhsusa.com/   #realestatebuyers #nycrealestate #realestate #vincerocco #TNYRE #theeverset #roadwaymoving #newyorkrealestate #nyc

The True Cost of Real Discipleship (Part 4) Luke 14:25-35 with a survey of Luke chapters 13-15

In this episode of the Dental Boardroom Podcast, Wes Reed dives into some of the most common and costly business and practice management mistakes dentists make. Drawing from years of experience working with hundreds of dental practices, Wes explains how strong clinical skills alone aren't enough to build a sustainable, profitable, and stress-free practice.He breaks these mistakes into six core areas, covering everything from management systems and PPO economics to lease agreements, partnerships, financial planning, and KPIs. Throughout the episode, Wes uses practical examples and real-world analogies (including agile software development) to show how intentional systems and financial clarity can free owners from burnout and help practices scale intelligently.This episode is a must-listen for practice owners who want to stop managing reactively and start operating with structure, clarity, and long-term strategy.Key Topics Covered1. Not Adopting a Management ProcessMany dentists manage by instinct instead of by process. Without a clear management operating system including defined roles, meeting cadence, accountability, and decision-making frameworks, practices become reactive, inconsistent, and owner-dependent. Wes explains how adopting even a simple system and iterating over time can dramatically improve operations and reduce burnout.2. Not Understanding the True Cost of PPOsPPOs often increase top-line revenue but quietly erode profitability. Wes breaks down how fee schedules, write-offs, chair utilization, and hygiene profitability impact the bottom line. He emphasizes that PPOs are essentially an expensive marketing channel and that growth without profitability can lead to exhaustion, not success.3. Not Understanding Lease TermsA lease is often the largest non-clinical financial commitment a dentist makes, yet many sign without fully understanding the implications. Wes discusses escalation clauses, renewal options, relocation clauses, and why poor lease terms can hurt practice value or even prevent a successful exit.4. Partnering Without Profit-Split ModelingPartnerships often fail not because of personality conflicts, but because of unclear financial structures. Wes explains why production, ownership, expenses, and profit splits must be modeled and stress-tested before forming a partnership and why aligning accounting execution with the partnership agreement is critical.5. Lacking Financial Planning & Analysis (FP&A)Most practices rely only on historical financial reports, such as P&Ls, which show where the practice has been, not where it's going. Wes explains how FP&A (or a CFO model) helps dentists forecast cash flow, plan strategically, and turn financial anxiety into financial control.6. Not Using KPIs or KPI SoftwareWithout key performance indicators, practices lack visibility and accountability. Wes highlights the importance of both leading and trailing KPIs, the value of KPI software, and how daily or weekly team huddles around metrics create a culture of ownership and consistency.Key TakeawaysClinical excellence alone doesn't guarantee a successful practice; systems and strategy matter.A management operating system frees the owner from being the bottleneck.PPO participation must be understood at the procedure- and profitability-levels, not just collections.Lease terms can significantly impact long-term practice value and...

Grab a copy of our BOOK here: http://winningtheweek.com/ Join Lifehack Tribe: https://members.lifehackmethod.com/join-lifehack-tribeSUBSCRIBE to our podcast on the platform of your choice! Spotify: http://spoti.fi/3pNtPVe Apple Podcasts: http://apple.co/3tiIpWW Or subscribe to our YouTube channel: https://www.youtube.com/c/LifehackBootcamp

Luke 14:25-35; John 5:36-47, 13:34-35, 15:12-14; Ephesians 5-6; Titus 2:3-5; 1 John 2:9-11; Matthew 10:37-39

Send us a textIn this episode of the College Knowledge Podcast, host Joe Kerns sits down with renowned sociologist Dr. Sara Goldrick‑Rab to uncover the real drivers behind rising college costs and the policies shaping higher education today.As the founder of the Real College movement and author of Paying the Price, Dr. Goldrick-Rab breaks down why the current education system is failing students and families, how financial aid is often misunderstood, and what meaningful reform could look like.Listeners will walk away with practical insights for navigating the college financial journey — plus a deeper understanding of bold solutions such as free community college and the policy changes needed to make higher education more affordable and equitable for all.

You know what to do when it comes to fat loss — but actually staying consistent feels way harder than it should.In this episode, I'm breaking down the hidden cost of not hiring a coach — from the money spent on unused fitness programs, to the mental load of dieting, to the confidence lost every time you start over again.We'll talk about why willpower and motivation don't lead to sustainable fat loss, how doing this alone keeps you stuck in the restart cycle, and how 1:1 fitness coaching can actually save you time, energy, and money long-term.If you're tired of starting over and wondering whether investing in support is worth it, this episode will help you see the full picture.Apply for 1:1 coaching: ⁠https://www.sweatsimpleco.com/onlinecoaching⁠The SweatSimple Podcast Show Notes:  ⁠https://www.sweatsimpleco.com/post/how-to-stop-starting-over-with-fat-loss

Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.Transparent. Data-driven. No hype.In this video, I show you how to run the real math behind refinancing and mortgage decisions, including:✔ Your true refinance costs✔ Your break-even point✔ How long it takes to recover fees✔ Whether refinancing actually saves you money✔ If using equity to pay off high-interest debt makes sense✔ Which option puts you in the strongest financial positionNo guessing.No pressure.Just real numbers.00:00 Why Most Refi Decisions Are Wrong01:40 Understanding True Costs04:20 Finding Your Break-Even07:10 Comparing Options10:00 Debt & Equity Strategy12:45 Tools & Resources14:30 Final Thoughts

What does it really cost to follow Jesus? Does anything feel too "expensive" to surrender? What are you holding onto instead of following Jesus fully? In today's episode, Jeff shares how Mark 6:13–29 challenges us to count the cost of discipleship and trust that surrender is possible because we are already loved by Jesus. Read the Bible with us in 2026! This year, we're exploring the Gospels—Matthew, Mark, Luke, and John. Download your reading plan now. Your support makes TMBT possible. Ten Minute Bible Talks is a crowd-funded project. Join the TMBTeam to reach more people with the Bible. Give now. Like this content? Make sure to leave us a rating and share it so that others can find it, too. Use #asktmbt to connect with us, ask questions, and suggest topics. We'd love to hear from you! To learn more, visit our website and follow us on Instagram, Facebook, and Twitter @TenMinuteBibleTalks. Don't forget to subscribe to the TMBT Newsletter here. Passages: Mark 6:13-29 

When it comes to studying conflict, there is obvious data to examine: spending on arms, the number of people killed or injured, and the amount of land won or lost. What's harder to track are the indirect effects of conflict, the ways it produces deaths over time, or its impacts on public health. Researchers are trying to find ways to account for the sometimes less obvious impacts of conflict, and that's the focus of this episode of Stats and Stories with guest Xiao Hui Tai. Xiao Hui Tai is an assistant professor of statistics at the University of California Davis' Department of Statistics. Her research interests include the use of non-traditional data sources to study problems in data-scarce settings. With the current focus on global public health and estimating the consequences of violent conflict, she's the author of the Significance article Counting the True Cost of War.

In this episode of Disruption/Interruption, KJ sits down with Joey Coleman, two-time Wall Street Journal bestselling author and expert in experience design and retention strategy. Joey reveals the shocking truth about employee turnover—costing businesses a trillion dollars annually—and shares his proven framework for transforming the first 100 days of any relationship. From his background as a criminal defense attorney and White House advisor to consulting with NASA, Volkswagen, and Zappos, Joey brings unique insights into why companies lose employees and customers, and more importantly, how to keep them. Four Key Takeaways The First Day Crisis (10:25) 4% of all new hires quit after their first day of work globally, and by day 45, that number jumps to 22%. By the one-year mark, 40% of employees have left—costing U.S. businesses approximately $1 trillion annually. The True Cost of Turnover (13:00) Replacing an employee costs between 100-300% of their annual salary just to get someone new into the seat—not including their actual salary and benefits. For a $50,000 employee, you're looking at $50,000-$150,000 in replacement costs alone. HR's Shift from Culture to Compliance (27:00) Over the past 50 years, HR departments have shifted focus from creating great workplace cultures to managing compliance, documentation, and litigation prevention—leaving no one responsible for making the workplace the best it can be. The Remarkable Organization Test (35:31) "The way you know you're running a remarkable organization is if you announce you're hiring and your existing employees immediately recommend amazing people they want to work with. In most organizations, internal referral candidates measure close to zero." Quote of the Show (28:12):"There is no one who wakes up in the morning, looks in the mirror and says, 'My primary job when I get to work today is to make sure that this is the best place that any of these people have ever worked.'" – Joey Coleman Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Joey Coleman: LinkedIn: https://www.linkedin.com/in/joeycoleman1/ How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Neil Drabkin, is a lawyer who served as federal prosecutor and a political commentator who was a chief of staff in the Harper government, and Caroline Codsi, Founder & Chief Equity Officer, Women in Governance. A framework deal over the future of the Arctic has been agreed upon between U.S President Donald Trump and NATO. Ontario Premier Doug Ford is calling on Canadians to boycott Chinese-made vehicles in the wake of a federal trade deal that will allow them into the country. Canada has quietly hit the reset button on TikTok — and the timing is raising eyebrows. The federal government has drawn up a plan to ban social media for children under the age of 14.

Is buying a house still a good investment—or has the market pulled too much future return forward? Lance Roberts & Jonathan Penn break down the housing investment debate through a time-horizon lens, comparing housing to stocks, examining historical “win rates,” and explaining why transaction costs, leverage, and holding period matter far more in real estate than most buyers realize. 0:00 INTRO 0:19 - Moving into the Heart of Earnings Season 5:36 - Markets' Price Consolidation Breaks to the Downside 9:51 - Lance & Jonathan's Weekend Recap 11:36 - Collegiate Investors - Be Careful of Risk 16:35 - Don't Invest Your Student Loan Money! 18:40 - Buying a House for Rental or Residence? 21:13 - It's Always Something 23:32 - Housing - Net Worth or Liability? 26:34 - Fitting a House into a Financial Plan 27:48 - HELOC & Reverse Mortgages 28:53 - Do You Really Need to Own a Home? 30:25 - The Housing Supply - Demand Paradox 34:11 - Beware Creative Financing 38:33 - The Peace of Mind in Renting 40:10 - The True Cost of Home Ownership 42:38 - Proper Planning for Home Purchase 46:31 - Yard Plants & Money Trees Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- You can read Michael Green's blog, "Yes...I Give a Fig," here: https://www.yesigiveafig.com/ ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Metric that Matters - The Michael Green Interview" here: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- The latest installment of our new feature, Before the Bell, "Short-term Volatility Ahead," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketUpdate #RiskManagement #MarketPullback #InvestorDiscipline #HousingMarket #RealEstateInvesting #HomeBuying #FinancialPlanning #InvestmentRisk

Is buying a house still a good investment—or has the market pulled too much future return forward? Lance Roberts & Jonathan Penn break down the housing investment debate through a time-horizon lens, comparing housing to stocks, examining historical "win rates," and explaining why transaction costs, leverage, and holding period matter far more in real estate than most buyers realize. 0:00 INTRO 0:19 - Moving into the Heart of Earnings Season 5:36 - Markets' Price Consolidation Breaks to the Downside 9:51 - Lance & Jonathan's Weekend Recap 11:36 - Collegiate Investors - Be Careful of Risk 16:35 - Don't Invest Your Student Loan Money! 18:40 - Buying a House for Rental or Residence? 21:13 - It's Always Something 23:32 - Housing - Net Worth or Liability? 26:34 - Fitting a House into a Financial Plan 27:48 - HELOC & Reverse Mortgages 28:53 - Do You Really Need to Own a Home? 30:25 - The Housing Supply - Demand Paradox 34:11 - Beware Creative Financing 38:33 - The Peace of Mind in Renting 40:10 - The True Cost of Home Ownership 42:38 - Proper Planning for Home Purchase 46:31 - Yard Plants & Money Trees Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- You can read Michael Green's blog, "Yes...I Give a Fig," here: https://www.yesigiveafig.com/ ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Metric that Matters - The Michael Green Interview" here: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- The latest installment of our new feature, Before the Bell, "Short-term Volatility Ahead," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketUpdate #RiskManagement #MarketPullback #InvestorDiscipline #HousingMarket #RealEstateInvesting #HomeBuying #FinancialPlanning #InvestmentRisk

On January 7, 2025, the Palisades and Eaton Fires erupted, eventually burning down more than 16,000 structures and killing at least 31 people, becoming among the most destructive and deadly wildfires in California's history.  Two Wirecutter writers, Gregory Han and Mike Cohen, lived through the Eaton fire. Both lived in Altadena, just outside Los Angeles. Gregory's home was damaged, while Mike's burned to the ground. They collaborated on an article sharing their biggest lessons of recovery, which Wirecutter published last July, as part of our emergency preparation coverage.  Now, in a special podcast series, they are sharing the biggest lessons they've learned from the past year–—and what they can teach you about how to prepare for a disaster.  Unfortunately, climate change is making extreme weather events more frequent, more intense, and more unpredictable. In the last year alone, we've seen cataclysmic floods in the Texas Hill Country, deadly tornadoes in many parts of the U.S., and increasing flash floods across the country, just to name a few. No one is completely insulated from these types of events.  In this first episode, we'll introduce you to Gregory and Mike, and why they think it's imperative to invest in your community before a disaster.  You can listen to parts two and three of this series here. Part three will be published on Jan. 12. Actionable steps you can take from this episode:Invest in your community before a disaster. Information can be hard to come by during and in the immediate aftermath of a disaster. This is when knowing your neighbors can be invaluable. Both Gregory and Mike relied on neighbors and others in their community for information before, during, and after the fires. They've continued to share resources with this community as they've worked toward recovery over the past year.Create an easy way to communicate with your neighbors. This could be a text chain or a group chat–through something like WhatsApp or GroupMe. Maybe you're already involved with a group that may eventually help in an emergency. Mike's neighborhood thread started as a group of local dog owners before the fire.Join a volunteer organization in your community. After the fires, Gregory joined a group to do brush cleanup, which has helped deepen his connection with the people who live close to him. You can find out more about Gregory Han on his website and on Instagram @typefiend Additional reading:The LA Wildfires Devastated the Homes of Two Wirecutter Writers. Here's What They Learned While Recovering.Build Your Own Disaster-Prep KitHow to Prepare Your Pantry for an Emergency9 Extreme Weather Survivors Share the Tools That Helped Them Get Through Disaster We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› Wirecutter Social and WebsiteInstagram: /wirecutterThreads: /@wirecutterTwitter: /wirecutterFacebook: /thewirecutterTikTok: /wirecutterLinkedIn: /nyt-wirecutterWebsite: https://www.nytimes.com/wirecutter/Newsletter: https://www.nytimes.com/wirecutter/newsletters/ The Wirecutter Show is executive produced by Rosie Guerin and produced by Abigail Keel.Engineering support from Maddy Masiello and Nick Pitman. Episodes are mixed by Catherine Anderson, Efim Shapiro, Rowan Niemisto, Sophia Lanman, and Sonia Herrero. Original music by Dan Powell, Marion Lozano, Elisheba Ittoop, and Diane Wong. Wirecutter's deputy publisher and general manager is Cliff Levy. Ben Frumin is Wirecutter's editor-in-chief. Hosted by Rosie Guerin, Caira Blackwell and Christine Cyr Clisset.Find edited transcripts for each episode here: The Wirecutter Show Podcast Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.

In this week's conversation between Dr. James Emery White and co-host Alexis Drye, they discuss the reasons that some people who are raised in the Christian faith choose to walk away from it, while others remain committed Christ followers. As you can imagine, the faith of the parents and how that's fleshed out in their lives is a huge factor. Episode Links At the top of the episode, Alexis noted that today's topic was prompted by Pew Research Center's “Religious Landscape Study” - a landmark study and truly the gold standard of its kind. Religion News Service picked up on part of the study in a recent article titled, “Why do some people stay in their faith and others leave? A Pew report offers clues.” You can read that article HERE. Both Alexis and Dr. White mentioned that other findings from the “Religious Landscape Study” have been the topic of other podcast discussions and the Church & Culture blog. Here is where you can find those on the Church & Culture website: CCP141: On the Largest, Most Recent Survey of American Religion “The Stall of the Nones” “Gen Z Church Attendance” “A Revival... or a Moment?” Dr. White noted that research from Dr. Christian Smith has been insightful in netting out the huge role that parents play in the faith of their children. You can explore his “National Study of Youth & Religion” HERE. As a father of four and grandfather of 16, Dr. White is passionate about the role of parents in the lives of their children. You can find sermon series that he's given at Mecklenburg Community Church on parenting HERE. Dr. White referenced articles and interviews with Derek Thompson and Richard Dawkins regarding the idea that Christianity is not about a religion, but rather a relationship with Jesus. And that relational component is what's missing from some churches. Here are those stories for you: Derek Thompson, “The True Cost of the Churchgoing Bust,” The Atlantic, read online. LBC video post of Richard Dawkins on X, watch here. Walter Sánchez Silva, “Famous Atheist Richard Dawkins Says He Considers Himself a ‘Cultural Christian,'” Catholic News Agency, read online. Finally, Dr. White discussed the importance of apologetics when it comes to the Christian faith - knowing why you believe what you believe. He has given a number of series at Meck that are incredibly helpful in this arena. You can find them all gathered under the category of “Exploring Christianity” HERE. For those of you who are new to Church & Culture, we'd love to invite you to subscribe (for free of course) to the twice-weekly Church & Culture blog and check out the Daily Headline News - a collection of headlines from around the globe each weekday. We'd also love to hear from you if there is a topic that you'd like to see discussed on the Church & Culture Podcast in an upcoming episode. You can find the form to submit your questions at the bottom of the podcast page HERE.

In this episode, we sit down with Eric, Accredited Accident Reconstructionist, Ohio Peace Officer, Marine Corps veteran, and founder of Crash Tech Reconstruction Services, to discuss the real-world risks of car accidents and the staggering costs of being underinsured. Eric shares insights from his nationally recognized reconstruction work, illustrating how one accident can lead to $600,000 in liability, why young adults and seniors are often at higher risk, and the importance of proper property damage and liability coverage.We also dive into the misconceptions around price versus value in insurance, explaining how professional guidance and thoughtful conversations can protect not just your assets, but your livelihood. Packed with real-life examples, expert advice, and actionable tips, this episode is essential for anyone looking to make informed insurance decisions and understand the true stakes on the road.Join the elite ranks of P&C agents. Sign up for Agent Elite today and get exclusive resources to grow your agency!

Guest hosting Mundo in the Morning on KCMO Talk Radio, Patrick Tuohey speaks with Neil deMause, editor of FieldofSchemes.com and coauthor of Field of Schemes: How the Great Stadium Swindle Turns Public Money Into Private Profit. DeMause draws on decades of research examining billions in public subsidies for pro sports facilities, explaining why stadium deals rarely deliver economic benefits and how proposed subsidies for a Kansas City Chiefs stadium fit a familiar national pattern.

In 2025, a record $60 billion was invested in building AI data centers around the world, many of them in the US and Canada. Proposals for data centers are popping up across Wisconsin, in Mount Pleasant, Menominee, Beaver Dam, Dane County and beyond. These “hyperscale” complexes use anywhere between 5-50 megawatts of power and take up hundreds of acres of land. To talk about the growing opposition to AI data centers across the nation, host Douglas Haynes is joined by three guests: Michael Greif of Midwest Environmental Advocates, Mitch Jones of Food & Water Watch, and Ed Morganroth, Jr. of the group, No Data Center DeForest. People are increasingly concerned about data centers’ energy and water consumption, land use, noise pollution, and e-waste as well as the societal impacts of AI products like deep fakes. To educate legislators about the growing opposition, Food & Water Watch organized a letter to Congress calling for the halt of construction of data centers. Jones says that the fight is happening in every state and their letter creates a national umbrella for these groups to unify their message. So far over 250 organizations have signed on.  Many are concerned that the financial benefits of these data centers are flowing to Silicon Valley and out of local communities. And the public is largely being kept in the dark about how much electricity and water these data centers would eat up. This fall, Midwest Environmental Advocates took legal action to get the city of Racine to respond to Milwaukee Riverkeepers’s record recquest for the projected water consumption of a Mount Pleasant data center.  They were at first told that water use is a “trade secret.” To date, the public doesn't know how much electricity will be used at the data center that Alliant Energy and Meta are building in Beaver Dam. Morganroth says that at a time when Wisconsin is losing agricultural land, his group would rather see new housing and job-creating business in his community rather than a data center. Our guests also talk about the active role that electric companies are playing in the construction of data centers, the tax breaks that these companies are getting from the state of Wisconsin, and the AI bubble.  Michael Greif is a Legal Fellow at Midwest Environmental Advocates, where his work has focused on legal pathways to safeguard Wisconsin's air, water, and climate, including advocating for public disclosure of the water and energy use of hyperscale data centers. Michael is a graduate of the University of California, Berkeley School of Law and lives in Madison. Mitch Jones is the Managing Director of Policy and Litigation at Food & Water Watch. He has worked on federal policy for over 20 years. He leads the organization's work on federal and state policy as well as their sibling organization’s political program. Ed Morganroth, Jr. is a resident of DeForest, WI and member of the No Data Center DeForest group. Featured image: aerial view of the Google Data Center in Council Bluffs, IA via Wikimedia Commons (CC BY 2.0). Did you enjoy this story? Your funding makes great, local journalism like this possible. Donate hereThe post Who Bears the True Cost of So-Called Artificial Intelligence? appeared first on WORT-FM 89.9.

With the price of seemingly everything going up, it's easy to get lost in the cost of our hobby. In this episode, Jason uses his Excel expertise to breakdown those costs to help us truly decide where we should be spending our hard-earned dollars. Also, we catch up on multiple recent beer stories and experiences you won't want to miss!Beer Tastings:Jason - Mountains of Mosaic, Original Pattern Brewing, Oakland, CA. Style: Wet Hop IPAStephen - Fundamental Observation, Bottle Logic Brewing, Anaheim, CA. Style: BA Imperial Stout

A few years ago, Trymaine Lee, though fit and only 38, nearly died of a heart attack. When his then five-year-old daughter, Nola, asked her daddy why, he realized that to answer her honestly, he had to confront what almost killed him—the weight of being a Black man in America; of bearing witness, as a journalist, to relentless Black death; and of a family history scarred by enslavement, lynching, the Great Migration, the also insidious racism of the North, and gun violence that stole the lives of two great-uncles, a grandfather, a stepbrother, and two cousins.In this powerful narrative, Lee weaves together three strands: the long and bloody history of African Americans and guns; his work as a chronicler of gun violence, tallying the costs and riches generated by both the legal and illegal gun industries; and his own life story. With unflinching honesty he takes readers on a journey, from almost being caught up in gun violence as a young man, to tracing the legacy of the Middle Passage in Ghana through his ancestors' footsteps, to confronting the challenges of representing his people in an overwhelmingly white and often hostile media world, and most importantly, to celebrating the enduring strength of his family and community.In A Thousand Ways to Die (St. Martin's Press, 2025) Lee answers Nola and all who seek a more just America. He shares the hard truths and complexities of the Black experience, but he also celebrates the beauty and resilience that is Nola's legacy. In this episode we discuss the work of Dana Tenille Weeks. You can hear her talk about the reimagination of future at Episode 22 of her podcast, The Rest of Us. Find Trymaine Lee at his website and on Instagram. Host Sullivan Summer is at her website, Instagram, and on Substack. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/african-american-studies

A few years ago, Trymaine Lee, though fit and only 38, nearly died of a heart attack. When his then five-year-old daughter, Nola, asked her daddy why, he realized that to answer her honestly, he had to confront what almost killed him—the weight of being a Black man in America; of bearing witness, as a journalist, to relentless Black death; and of a family history scarred by enslavement, lynching, the Great Migration, the also insidious racism of the North, and gun violence that stole the lives of two great-uncles, a grandfather, a stepbrother, and two cousins.In this powerful narrative, Lee weaves together three strands: the long and bloody history of African Americans and guns; his work as a chronicler of gun violence, tallying the costs and riches generated by both the legal and illegal gun industries; and his own life story. With unflinching honesty he takes readers on a journey, from almost being caught up in gun violence as a young man, to tracing the legacy of the Middle Passage in Ghana through his ancestors' footsteps, to confronting the challenges of representing his people in an overwhelmingly white and often hostile media world, and most importantly, to celebrating the enduring strength of his family and community.In A Thousand Ways to Die (St. Martin's Press, 2025) Lee answers Nola and all who seek a more just America. He shares the hard truths and complexities of the Black experience, but he also celebrates the beauty and resilience that is Nola's legacy. In this episode we discuss the work of Dana Tenille Weeks. You can hear her talk about the reimagination of future at Episode 22 of her podcast, The Rest of Us. Find Trymaine Lee at his website and on Instagram. Host Sullivan Summer is at her website, Instagram, and on Substack. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Eric Immesberger spent over 20 years as a New York ATF agent, working undercover, taking down violent criminals, dismantling gun-trafficking networks, and operating inside some of the most dangerous environments in the country. In this episode, Eric shares the real stories behind his career—from his early years as a Brooklyn detective to high-risk federal operations, major crime investigations, and the intense pressure of hunting armed offenders in New York. He opens up about the violence he witnessed, the criminals he pursued, the psychological toll of undercover work, and the personal sacrifices required to do the job. This interview dives deep into the realities of federal law enforcement: firearms trafficking, gang cases, task-force operations, trauma, mental health, and life after retirement. If you're interested in true crime, federal agents, New York law enforcement, or raw stories of danger, survival, and justice, this is one of the most revealing conversations you'll hear. _____________________________________________ #ATFAgent #FederalAgent #LawEnforcementStories #CrimeInterview #UndercoverOperations #TrueCrimePodcast #JusticeSystem #lockedinpodcast _____________________________________________ Thanks to AURA FRAMES, BLUECHEW & PRIZEPICKS for sponsoring this episode: Aura Frames: Exclusive $35 off Carver Mat at https://on.auraframes.com/LOCKEDIN. Promo Code LOCKEDIN BlueChew: Get 10% off your first month of BlueChew Gold with code LOCKEDIN. Visit https://bluechew.com/ for more details and important safety information Prizepicks: Visit https://prizepicks.onelink.me/LME0/IANBICK and use code IANBICK and get $50 in lineups when you play your first $5 lineup! _____________________________________________ Connect with Eric Immesberger: Website: https://www.ericimmesberger.com/ Support his wood work business: https://www.instagram.com/sendit_woodworking/ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 – The Mindset of Cooperation: ATF, First Impressions & Federal Reality 03:30 – From the Ground Up: Early Career & Entering Law Enforcement 10:00 – Growing Up Hard: Tough Childhood, Discipline & Survival Lessons 15:00 – Why I Became a Cop: Influences, Motivation & Education 22:00 – Becoming a Detective: College to the Brooklyn DA's Office 27:00 – Federal Guidelines & Cooperation: The Decisions That Change Lives 36:00 – Confidential Informants: The Gray Area Between Justice & Survival 45:00 – Inside Federal Prison: Chaos, Power & Unspoken Rules 01:01:00 – Undercover Operations & Wild Prison Stories 01:14:00 – Breaking Into the ATF: Obsession, Rejection & Relentless Drive 01:22:00 – Explosive Federal Case: The “House of Gay” Home Invasion 01:38:00 – Entrapment vs. Real Criminals: How ATF Builds Cases 01:47:00 – Gunfights, Chases & Leadership Under Fire 02:08:00 – The Violent World of Federal Law Enforcement: Mental Toll & Trauma 02:24:00 – Walking Away: Retirement, Burnout & The True Cost of the Job 02:34:00 – Final Reflections: Street Lessons, Storytelling & Life Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

Christmas draws our focus to the manger—the baby, the shepherds, the wise men. But have you ever looked deeper, past Bethlehem to see the whole story? The eternal Lord of glory didn’t cling to His rights or status; instead, He laid aside His privilege and became a servant, subjecting himself to mockery, torture, and eventually […]

In this episode, we revisit the debate over restricting social media access for children, responding to listener feedback and examining why parental responsibility alone can't address the scale of the problem. We discuss proposals for age verification, the risks of digital ID systems, and how privacy and surveillance concerns are often dismissed with the claim that people have “nothing to hide.” We then turn to California's energy situation, looking at refinery closures, the Jones Act, and why state climate policies have little impact on global emissions while driving higher fuel costs. We examine a lawsuit involving Donald Trump and the BBC, followed by the week's “foolishness” surrounding the Oscars' move to YouTube. Our main discussion explores the concept of victimless crime, how outdated laws persist long after society moves on, what entrepreneurship signals about obsolete regulations, and why enforcement-heavy approaches to poverty, drugs, and everyday behavior continue to fail. 00:00 Introduction and Overview 01:02 Listener Feedback on Social Media Bans for Kids 02:06 Why Parenting Alone Cannot Solve the Social Media Problem 03:16 Age Verification and the Push Toward Digital ID 04:43 Privacy, Surveillance, and Why “Nothing to Hide” Fails 06:45 How Governments Can Abuse Data in the Future 07:20 California Refinery Closures and Energy Reality 08:13 The Jones Act and Why California Imports Fuel from Abroad 11:02 Why California's Climate Policies Barely Affect Global CO2 13:00 Trump's Lawsuit Against the BBC 14:27 Why Trump Would Have to Testify Under Oath 15:34 Foolishness of the Week: The Oscars Move to YouTube 17:42 Main Topic Setup: Victimless Crime and Enforcement 18:36 Entrepreneurship as a Signal That Laws Are Obsolete 20:47 Blue Laws, Alcohol, and How Societies Outgrow Bad Rules 24:27 Are There Any Victimless Crimes Left? 28:42 Speed Limits and Everyday Criminality 31:28 Is Government the Evolution of Crime? 34:31 The Cash Benchmark Test Explained 36:20 Why the War on Poverty Failed 40:16 The True Cost of the War on Drugs 43:55 Why Freedom No Longer Drives Policy 45:31 Closing Reflections and Final Thoughts Learn more about your ad choices. Visit podcastchoices.com/adchoices

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Axel welcomes back Stacey Hampton, founder of Asset NOI Consulting, for a highly tactical conversation focused on improving multifamily operations in today's challenging environment.Stacey breaks down how asset managers can move beyond surface-level KPIs and start focusing on the metrics that actually drive performance. She explains how to turn annual budgets into actionable operating plans, how to think strategically about lease expirations throughout the year, and why understanding the true cost of turnover fundamentally changes decision-making.The conversation also dives deep into renewal strategy, retention timing, workforce housing dynamics, and why optimizing for cash flow, not just rent growth is critical for long-term operators.This episode is a must-listen for owners, asset managers, and operators who want to tighten operations, protect NOI, and make better data-driven decisions.Join us as we dive into:The difference between asset management strategy vs. property management executionHow to convert a budget into a clear, measurable action planWhy landing Q1 is critical to hitting annual NOI targetsHow to intentionally manage lease expirations across the calendar yearThe real, fully-loaded cost of a unit turnoverWhy retention and occupancy are often more powerful than rent growthTools and AI resources Stacey is using to stay ahead of operational trendsAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.NH Multifamily Fund III Details:Download The OM For The NH Multifamily Fund IIIAccess The Deal Room For The NH Multifamily Fund IIIConnect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate PartnersConnect with Stacey:Connect with him on Linkedin

Rob Moore sits down with the UK's longest-serving Health Secretary, Jeremy Hunt, for an unfiltered discussion on the state of the economy post-budget. He breaks down the £70 billion tax grab, revealing the urgent need for £47 billion in welfare reform, why running the NHS is "far harder" than running a major company, and the shocking structural problems hindering economic growth. BEST MOMENTS "If we got the benefits bill down to where it was before the pandemic, that's £47 billion less a year." "Running a hospital in Britain is far harder than running a FTSE company... I've seen it from the inside; there is a structural problem." "The more this Parliament goes on, the more the country is worried about the economy, and then they start thinking, 'Who do I actually trust when it comes to the economy?'" Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

The Constitution Study with Host Paul Engel – Government spending reaches staggering levels while hidden costs pile up. Political attacks, show trials, shutdown fallout, and the erosion of sovereignty reveal how power can stretch beyond consent. With reputations, time, and freedom at stake, citizens face the challenge of keeping leaders accountable and limiting overreach in every layer of government that affects their lives...