Podcasts about true cost

Send us a textCars have long been sold as the ultimate symbol of freedom. But what if they've trapped us instead? In this episode of FUTUREPROOF., we sit down with Arthur Kay, urban designer and coauthor of Roadkill: Unveiling the True Cost of Our Toxic Relationship with Cars.Kay argues that America's car dependency is more than a climate issue—it's a system of financial, political, and social control that burdens working and middle-class families, strains local economies, and limits real choice. Together, we explore:Why cars drive hidden costs in housing, taxes, and debtHow car-centric cities hollow out communities and opportunitiesThe global lessons America can learn from more walkable, resilient urban modelsA realistic blueprint for building cities that prioritize people, not vehiclesThis conversation goes far beyond traffic jams and tailpipe emissions—it's about the future of freedom, equity, and the way we design our lives.

Thanks to our partners Promotive and Wicked FileAuto shops aren't going broke because they charge too little—they're going broke because they're measuring wrong. In this episode, CPA and host Hunt Demerest unpacks the gap between what your shop management system tells you and what your financials know to be true. From the hidden drag of switching techs from flat rate to hourly to the simple tweak that makes your software reflect real costs, Hunt shows you how to surface the problem (productivity vs. pricing) and correct course—before your margins get cut in half.What you'll learn:02:20 – Expectation vs. reality: SMS shows 75% gross profit—but QuickBooks shows ~50%.04:38 – The pivot that broke the math: moving techs from flat rate to hourly + production drop.06:52 – Why unchecked hourly pay halves margins—and why it's so hard to fix later.09:12 – “Productivity” isn't just techs: counter, invoicing, parts, layout, communication.13:55 – Pricing sanity check: book time vs. your actual time; efficiency vs. productivity.16:04 – The core software issue: SMS assumes techs are only paid when you're paid.18:23 – The fix: compare SMS “expected” labor cost to QuickBooks actuals and adjust: set a shop-wide uplift % or per-tech rates, include benefits, vacation, unpaid work, bonuses, aim to slightly overstate costs (~5%) so you're pleasantly surprised at month-end.32:16 – Wrap: Most shops have a productivity and pricing problem—use SMS truthing to see it sooner.Key takeawaysFlat rate manages downside; hourly requires management. If hourly productivity slides from ~40 flagged hours to ~20, your margin vanishes.Don't let software mask reality. If SMS says 75% gross profit but financials show ~50%, trust the books and recalibrate SMS.Blend the cure. You rarely fix a major productivity problem only with pricing—and you can't price your way out of operational drag.Make SMS reflect true cost. Start shop-wide: if SMS shows $10k labor cost but QuickBooks shows $12k, increase internal tech rates by +20% (then refine per-tech if needed).Target “conservative accuracy.” Slightly overstating cost protects your bottom line morebthan rosy math ever will.Thanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books...

Whether you're earning a little or a lot, today we're unpacking how short-term thinking and our spending habits can cost us more than we realise.From the weekly budget trap to guilt-free online splurges, we explore the psychology behind our choices, the hidden cost of cheap goods, and how to align your money with your values.Tune in now and take control of your financial mindset.Important time stamps:(00:00:50) Episode and guest introduction (00:01:40) Short-term Budget Savings: Why people fall into the trap of buying cheaper items more often, even when it costs more in the long run.(00:02:27) Quality vs. Cheap Goods: The long-term value of buying quality goods versus cheap.(00:03:28) Shopping as Emotional Fulfilment: Shopping has shifted from a necessity to a form of emotional fulfilment or entertainment.(00:04:18) Hidden Costs of Cheap Goods: The hidden costs of buying cheap goods beyond just the price tag.(00:06:16) Disposable Product Mentality: Discussion on the mentality of disposable products and the inconvenience of returning online purchases.(00:08:41) B Corp Certification: What is it and how can it help consumers make more values-aligned choices?(00:10:06) Long-term Financial Planning: How you can start thinking more long-term with your money, even if you're on a tight budget.(00:12:22) Keeping Up with the Joneses: The risk of lifestyle creep and wanting to keep up with others.The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

In Episode 321 You Will Discover: The real reasons your ADHD brain gets overwhelmed (and why it's not your fault) The emotional, physical, and practical toll of chronic overwhelm 3 specific shifts to help you move from stuck into action Work With Me:

Have you ever thought about running an event in space? Yeah… me neither—until today.In this episode, I sit down with Brody Lee, an entrepreneur who turned a near-death experience into a mission to change the world through human connection. From selling fake hall passes in high school to closing $20k at his very first (one-person!) event, Brody's journey is nothing short of wild.We dive into how events aren't just about selling from the stage—they're about curating transformational experiences that respect the real costs people pay to show up: their money, time, and relationships. Brody breaks down why treating your attendees like ATMs is a losing game, how he built (and walked away from) a $3.5M business, and why he's now aiming for a billion-dollar moonshot with events that could literally take us to the stars.If you've ever wondered how to create meaningful, profitable events—or if you just need a reminder of what's possible when you refuse to quit—this is an episode you'll want to grab a front-row seat for. What You'll Learn:How a life-changing wake-up call set Brody on the entrepreneurial pathThe surprising $20k lesson from his very first event (with one attendee)Why most events fail—and how to make yours unforgettableThe “conversion content” approach that inspires people to work with you (without pressure tactics)Why hugs matter more to your business than you thinkBrody's audacious plan to run a philanthropic event… in space Chapters00:00 Welcome & Space Conference Joke00:38 Brody's Wake-Up Call: Overdose to Clarity02:40 Starting His First Business After Tony Robbins Event05:01 The One-Person Event That Made $20K06:47 Lessons on Empty Rooms & Event Marketing07:49 From Apple to $1.3M in Year One08:55 Scaling, Burning Out & Walking Away from $3.5M11:15 Why Most Events Fail (and How to Fix Them)13:50 Respecting the True Cost of Attending Events15:43 Selling with Impact (Not Pressure)19:25 Tony Robbins as the Gold Standard of Events21:03 Why Virtual Can't Replace Hugs & Hallway Connections22:39 The Future of Events: AI, Impact & Revolution24:41 Project Orelis: A $10B Event in Space26:45 Brody's U.S. Bucket List & Travel Goals27:29 Wrap-Up & Call to Action

This week on the show, after the news - our boss room is going to be a special one, where Hector will be leading the conversation on what game pass is truly costing the games industry.

Guest: Sinenhlanhla Mnguni | Chairperson at Fair-trade Independent Tobacco Association (Fita) Five SANDF soldiers and two undocumented Zimbabweans arrested over illicit cigarette smuggling. Africa Melane speaks to Chairperson at Fair-trade Independent Tobacco Association (Fita), Sinenhlanhla Mnguni about the scale and impact of South Africa’s black-market tobacco trade. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen.Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBUListen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3NSubscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetcFollow us on social media:702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/Radio702702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/CapeTalkCapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

In this episode of The Bartlett Review, Professor Dame Henrietta Moore, Founder and Director of the Institute for Global Prosperity, and Arthur Kay, Advisor to Innovo Group and founder of several technology and urban design companies, discuss their new book, Roadkill: Unveiling the True Cost of Our Toxic Relationship with Cars. They explore the social, financial, ethical, and environmental impacts of cars, challenge common myths, and share practical ideas for rethinking the way we use them to improve our cities and freedoms. While cars are often sold as symbols of freedom, Henrietta and Arthur show how they restrict choice, limit city life, and impose hidden costs on health, communities, and the planet. They share real-world examples, challenge myths about electric and autonomous vehicles, and offer practical ideas for rethinking how we use cars. Order your copy: https://getroadkill.com/

What are you willing to sacrifice for security? Author Cleyvis Natera invites readers to explore this question and more on a breathless seven-day trip to The Grand Paloma Resort, a Dominican Republic luxury resort where White Lotus-esque thriller meets sharp social commentary. As two local girls go missing and a hurricane approaches, sisters Laura and Elena live and work amidst stark class distinctions. The resort siphons water for lush gardens while local communities face drought, tourists operate under systems of private justice, and staff navigate knotty power dynamics for survival. Join host Katie Fogarty and Natera as they wander The Grand Paloma and explore the complexities of midlife: are we obligated to take responsibility for others, what is the moral cost of compromises for security, and how to thread the delicate balance between protecting those we love and allowing them autonomy. Bonus! We also crack open Natera's critically acclaimed debut Neruda on the Park, uncover how aspiring authors can get the most out of writing workshops, and discover why Natera credits "getting lost" as essential to building a creative, values-driven midlife. FOLLOW A CERTAIN AGE: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ GET INBOX INSPO: Sign up for our newsletter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AGE BOLDLY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We share new episodes, giveaways, links we love, and midlife resources Learn more about your ad choices. Visit megaphone.fm/adchoices

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In this week's episode, Jonathan sits down with his long-term legal partner, John Andrews, for a masterclass on the legal do's and don'ts of buying a business. With over 250 deals completed for Dealmakers clients and three decades of M&A experience, John shares the essential legal knowledge every buyer needs — especially if you're serious about avoiding costly mistakes. Whether you're preparing for your first deal or scaling up your acquisition strategy, this episode gives you the legal edge to navigate deals with confidence. What You'll Learn in This Episode: Why a Shareholders' Agreement is Crucial — and why skipping it can cost you dearly later How to Choose the Right Lawyer — and why not all solicitors are qualified to handle M&A What Goes into a Share Purchase Agreement (SPA) — and the key clauses that protect you The Three Types of Due Diligence — and how each one helps avoid nasty surprises The True Cost of Legal Work — from fixed fees to due diligence and abortive deal risks Asset Purchase vs. Share Purchase — the pros, cons, and tax implications of each What to Expect During the Completion Process — and why most deals are now done digitally The Most Common Legal Mistakes Buyers Make — and how to avoid them How to Avoid Overpaying or Becoming a “Motivated Buyer” — and stay in control of negotiations Why a Strong Legal Team on Both Sides Speeds Up the Deal — and can save you thousands If you've ever wondered what your lawyer should really be doing for you — or how to make sure your deal doesn't unravel at the last minute — this episode pulls back the curtain on the legal side of business buying.  

Send us a textAs a parent, choosing the right school for your child can feel overwhelming, especially in today's world where public schools, Christian schools, classical models, micro-schools, and homeschooling are all on the table. But for Christian families, the decision isn't just about academics or convenience, it's about faith, values, safety, and long-term impact.In this episode of The Way of Valor, Angie Taylor unpacks the real questions Christian parents are wrestling with:Can my child truly know Jesus in this school environment?Will they be safe and supported by teachers and administrators who share my values?Am I underestimating the hidden costs of a “free” public school education?What are the strengths and weaknesses of Christian schools, classical schools, and micro-schools?How can homeschool parents thrive with the right support and community?With decades of experience as both a public school teacher and a Christian school leader, Angie shares candid insights about the educational landscape, what's at stake, what parents should be asking, and how to align your child's education with your family's biblical worldview.If you're a parent weighing your school options, this conversation will help you look beyond the headlines and dig into the deeper heart-level questions that matter most.Share this episode with another parent making school decisions right now.Connect with Angie Taylor on:IG: https://www.instagram.com/mrsangietaylor/?hl=enFB: https://www.facebook.com/profile.php?id=100090424997350

Pulitzer Prize–winning journalist Trymaine Lee joins Shifting Culture to talk about his new book A Thousand Ways to Die and the true cost of violence in America. Known as a griot of Black survival and death, Trymaine has spent decades reporting on the lives and communities most affected by gun violence. But when he suffered a sudden heart attack at just 38, he was forced to reckon with the weight of the trauma he had carried in his body and in his family's history of generational loss. In this conversation, Trymaine traces the roots of America's cycles of violence back to slavery, systemic racism, and disinvestment, showing how those forces still shape families and neighborhoods today. He also shares how identity, mentorship, and joy can disrupt the cycle, and why nothing stops a bullet like dignity, opportunity, and love. This episode is heavy, but it's also filled with hope. Because as Trymaine reminds us, there may be a thousand ways to die, but there are also a thousand ways to live.Trymaine Lee is a Pulitzer Prize and Emmy award winning journalist and MSNBC contributor. He's the host of the “Into America” podcast where he covers the intersection of Blackness, power, and politics. A contributing author to the “1619 Project”, he has reported for The New York Times, the Huffington Post, and the New Orleans Times-Picayune. A Thousand Ways to Die is his first book.Trymaine's Book:A Thousand Ways to DieTrymaine's Recommendation:JamesSubscribe to Our Substack: Shifting CultureConnect with Joshua: jjohnson@allnations.usGo to www.shiftingculturepodcast.com to interact and donate. Every donation helps to produce more podcasts for you to enjoy.Follow on Facebook, Instagram, Twitter, Threads, Bluesky or YouTubeConsider Giving to the podcast and to the ministry that my wife and I do around the world. Just click on the support the show link belowThe Balance of GrayFaith That Challenges. Conversations that Matter. Laughs included. Subscribe Now!Listen on: Apple Podcasts SpotifySupport the show

This Podcast Is Episode 644, And It's About Five Hidden Ways Contractors Lose Profits (And How To Stop It) Where did the money go? If you've ever looked at your bank account at the end of a busy month and thought, "I did all that work—so where did the money go?", you're not alone. This is one of the most common frustrations we hear from small business owners in the construction industry. You're booking jobs, staying busy, and delivering great work—but the profit doesn't seem to match the effort. As construction bookkeeping specialists, we've seen behind the numbers of dozens of small contractors. And time and again, we find the same hidden leaks draining their profits. The good news? Once you know what to look for, you can fix them—and finally start keeping more of what you earn. Here are five common ways contractors lose profits (without even realizing it)—and what you can do to stop the leaks. 1. Untracked Labor Hours: Working More Than You Billed Labor is often your most considerable cost. But for many small contractors, labor tracking is one of the weakest parts of their system. If you (or your crew) aren't logging actual hours worked on each job, you're likely underestimating how much time the project really took. That means you're effectively working for free on those "extra" hours. Real example: A contractor estimated a bathroom remodel at 40 hours of labor. The job actually took 55 hours. At $50/hour, that's $750 of lost profit—just from labor under-tracking. Multiply that across several jobs, and you can see how the profits evaporate. How to fix it: Use a simple time-tracking tool (like QuickBooks Time, or even a shared spreadsheet). Log hours daily—not at the end of the week when details are fuzzy. Compare estimated vs. actual hours after each job. This helps you improve future bids and spot inefficiencies. Bookkeeper's tip: If you track hours properly, I can show you job profitability in real time—and you'll see exactly which jobs (or crew members) are eating into your margin. 2. Unapproved Change Orders: Giving Away Work for Free Scope creep is the silent profit killer. A client asks, "Can you just add this?" and you say yes because it seems like a minor request. But those "little extras" add up quickly—and suddenly your margins are gone. Real example: A deck project initially included a standard railing. Midway through, the client asked for an upgraded design. The contractor agreed but never adjusted the invoice. The upgrade cost him $500 in materials and 10 extra labor hours—completely unpaid. How to fix it: Create a straightforward change order process. Stop work when clients request something new until the change is approved in writing. Even if it feels awkward, remember: change orders protect both you and the client by keeping expectations clear. Bookkeeper's tip: Keep a change order log for each job. We can help track approved vs. pending changes—so nothing slips through the cracks. 3. Material Waste and Overruns: Small Leaks, Big Losses Materials are another common leak. If you're not reconciling receipts against your estimates, you may be spending far more than you realize. It's not always theft or big mistakes—it's the little things: over-ordering, miscuts, lost supplies, or last-minute runs to the hardware store. Real example: A contractor estimated $5,000 in materials for a kitchen remodel. By the end, he had spent $5,800. That $800 didn't seem huge—but on a project with a $2,000 expected profit, it wiped out nearly half. How to fix it: Match every material receipt to the job. Track waste (e.g., lumber offcuts, unused drywall sheets). Build a small buffer into estimates (5–10%) to account for inevitable overruns. Do weekly check-ins: Are material costs still aligned with the budget? Bookkeeper's tip: If you send us your receipts consistently, we can flag when a job is trending over budget before it's too late. 4. Late Invoicing and Slow Collections: Cash Flow Gaps Many contractors do the work first and think about invoicing later. The problem is that late invoices result in late payments. And late payments can create cash flow crunches that force you to dip into savings, use credit, or delay your own bills. Worse, some clients "forget" to pay unless reminded. If you're not consistent about invoicing and follow-ups, you might never collect everything you've earned. Real example: A contractor finished a $10,000 basement project but didn't invoice until six weeks later. The client delayed payment for another four weeks. That's 10 weeks without income—while the contractor was already paying subs and suppliers. How to fix it: Invoice immediately at milestones—not weeks later. Use progress billing: collect deposits upfront, then bill at set phases. Set clear payment terms (Net 15, Net 30) in your contracts. Automate reminders using software like QuickBooks, Joist, or FreshBooks. Bookkeeper's tip: We can set up a system where invoices go out automatically and overdue payments are flagged—so you never have to chase clients down again. 5. Forgetting Overhead: Missing the True Cost of Running Your Business This is one of the biggest mistakes we see: contractors price jobs based only on direct costs (labor + materials) and forget to include overhead. Overhead is everything it takes to keep your business running, like: Truck payments and fuel Insurance and licenses Office supplies and software Marketing and advertising Your own salary! If you don't factor in overhead, you might think you made a profit—but really, you just broke even. Real example: A contractor charged $15,000 for a renovation. Materials and labor cost $11,000, so it looked like a $4,000 profit. However, once overhead was factored in (including fuel, insurance, phone, bookkeeping, etc.), the actual profit was closer to $1,200. How to fix it: Calculate your monthly overhead. Divide that into your billable hours or projects. Add it to every estimate. Bookkeeper's tip: We can calculate your overhead burden per job, so you'll know exactly how much to add to every quote to stay profitable. Recap: 5 Hidden Profit Leaks Untracked labor hours Unapproved change orders Material waste and overruns Late invoicing and slow collections Forgetting overhead Each of these may seem small, but together they can drain thousands of dollars from your business every year. The Bottom Line: You Don't Have to Keep Losing Money The difference between "busy and broke" and "busy and profitable" isn't more jobs—it's better control of your numbers. When you track your labor, materials, change orders, invoices, and overhead, you stop the leaks and keep more of the money you've already earned. And you don't have to do it alone. As construction bookkeeping specialists, we help small contractors: Track job profitability in real time Catch hidden leaks before they get worse Set up systems that save time and reduce stress Contact us today and get the help you need. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Yussouf Ntwali CEO of Bag Innovation, now expanding from Rwanda into Uganda delves into the vibrant world of innovation and Cross-Border Innovation.He says “You don't need a 30-page business plan to succeed, just a product people actually want to buy.”The discussion covers the challenges and opportunities in the tech ecosystems of both countries, the importance of building globally competitive tech solutions from Africa, and the critical role of government support in fostering a thriving entrepreneurial environment. He also highlights the significance of genuine passion in entrepreneurship, the pitfalls of misdirected funding, and the need for industry experts to lead new ventures. Timestamps00:36 Cross-Border Innovations- Rwanda Meets Uganda01:36 Challenges and Insights from the Ugandan Tech Scene02:38 The Importance of Tech Ecosystems and Government Support04:40 The Reality of Entrepreneurship: Passion and Perseverance09:32 Opportunities and Success Stories in African Tech15:21 Gamification: A Strategy for Customer Retention17:59 Challenges and Opportunities in Uganda's Market18:26 The Need for Digitization18:59 Policy and Innovation21:41 Digitizing Cash and Everyday Transactions22:55 Introduction to Bag Technologies22:58 HR Tech Solutions and Future Plans25:57 Virtual Experience and Talent Pool27:17 Achieving Middle-Class Economy29:51 Acquisitions and Mergers31:33 The Role of Incubators and Grants35:00 Conclusion and Contact InformationFollow up with him on LinkedIn.Share your feedback on what you think it will take for Uganda to achieve a middle class economy, and inquiries at onuganda@gmail.com or WhatsApp +25678537996. PODCAST DISCLAIMER. The views and opinions expressed in the episode are those of the individuals. They do not represent or reflect the official position of the ON Uganda Podcast, so we do not take responsibility for any ideas expressed by guests during the Podcast episode. You are smart enough to take out what works for you.As of 7.03.25

Are We Dating or Performing? How to Stop Ghosting, Guessing & Getting HurtA real-talk dating podcast that feels like a friends podcast—equal parts feel-good, spicy debates, and honest relationship discussions. On this episode of Love & Lies, an NFL vet, a male model, and our hosts unpack love vs. lust, ghosting, high-value men, emotional intelligence, and the balance of masculinity/femininity. We get candid about intimacy & satisfaction, custody & fatherhood, ambition vs. beauty, and how to stop repeating childhood patterns in modern dating. If you're searching for a new relationships podcast with laughter, depth, and take-home tools, this episode delivers.Perfect for listeners who:•want debates that don't devolve,•like a feel-good, friends-hanging-out vibe,•are curious how pro athletes / high-expectation men date,•crave actionable tools for better love, communication, and trust.Take the Mommy and Daddy IZZUES™ quiz FREE: ⁠⁠https://izzues.scoreapp.com⁠ALL OUR LINKS : ⁠ https://link.me/loveandliespodcastCHAPTERS:00:00 – Dating Pro Athletes and Male Models: Real Talk About Modern Love02:20 – The Meaning of Dap: Respect, Energy, and Connection in Dating04:50 – Horoscope Signs and Relationship Compatibility Explained09:30 – Male Friendship, Loyalty, and Brotherhood in Dating Life13:20 – Why Men Are More Loyal to Their Barbers Than Their Girlfriends18:10 – Attraction Myths: Do Handsome Men Really Have More Women?20:30 – Lust vs Love Explained: What Men Really Want in Relationships25:00 – Why Beautiful Women Without Ambition Disappoint High-Value Men30:30 – Ambition vs Beauty: What Men Respect Most in a Woman36:20 – The Queen vs Princess Debate: Wife Material vs Surface-Level Dating45:00 – Purpose Over Love: Why Men Choose Mission Before Relationships50:10 – Game Planning Love: Building Relationships Like a Partnership54:40 – Money, Ambition, and The True Cost of Building a Life Together59:20 – NFL Mindset: Discipline, Grit, and Surviving the Odds in Love and Life01:06:00 – Resilience, Confidence, and Dating Lessons From Pro Athletes01:13:00 – Discipline, Childhood Programming, and Rewiring Your Mind01:19:00 – Confidence and Presence: Walking With High-Value Energy01:22:00 – Mommy and Daddy Issues: Childhood Wounds in Dating and Love01:26:00 – Brutal Honesty in Dating: Building Long-Term Love Without Games01:31:40 – Do Men Get Better With Age? Value Shifts in Dating and Marriage01:36:20 – Beauty vs Self-Worth: Why Women Must Offer More Than Looks01:40:00 – Final Reflections: Emotional Intelligence, Love, and What Men Want

For all your automotive Information Tune in or if you have questions, please feel free to call us live at The Answer San Diego @1-888-344-1170. Below are the Links for the New Apps to listen live no matter where you are! https://www.iheart.com/live/the-answer-san-diego-6020/ https://www.radio.com/theanswersandiego/listen You can also find all the listening info at: WESTAUTOMOTIVEGROUP.COM THROUGH THE https://theautomantv.com/auto-talk-radio/ Podcast of Show available @ Apple Products, Google Podcast, Pandora, Deezer, Spotify, iHeart, Radio.com and TuneInSupport the show: https://theautomantv.com/auto-talk-radio/See omnystudio.com/listener for privacy information.

In this episode of the Energy Newsbeat Daily Standup - Weekly Recap, Stuart Turley and Michael Tanner break down why model-based oil forecasts consistently miss the mark, highlighting Irina Slav's takedown of flawed IEA predictions. They dive into Fed Chair Powell's Jackson Hole speech and its implications for oil and gas capital markets, LNG export-driven shale growth, the myth of peak Permian, and ERCOT's $14B clean energy project cancellations. From misguided net-zero assumptions to underreported system costs in renewables, this episode covers the real data behind energy trends and what investors should really be watching.Subscribe to Our Substack For Daily InsightsWant to Add Oil & Gas To Your Portfolio? Fill Out Our Oil & Gas Portfolio SurveyNeed Power For Your Data Center, Hospital, or Business?Follow Stuart On LinkedIn: https://www.linkedin.com/in/stuturley/ and Twitter: https://twitter.com/STUARTTURLEY16Follow Michael On LinkedIn: https://www.linkedin.com/in/michaelta... and Twitter: https://twitter.com/mtanner_1Timestamps:00:00 - Intro00:14 - What Does Powell's Comments in Jackson Hole Mean to the Oil and Gas Markets and Investors?03:40 - Surging US LNG Exports Fuel Growth in US Shale08:13 - ERCOT Project Cancellations Reached a Record in Q2 2025, and What is Next?10:43 - The True Cost of Renewable Energy and the Impact on Consumers' Electrical Bills13:33 - Why Model-Based Oil Forecasts Keep Missing the Mark18:13 - OutroLinks to articles discussed:What Does Powell's Comments in Jackson Hole Mean to the Oil and Gas Markets and Investors?Surging US LNG Exports Fuel Growth in US ShaleERCOT Project Cancellations Reached a Record in Q2 2025, and What is Next?The True Cost of Renewable Energy and the Impact on Consumers' Electrical BillsWhy Model-Based Oil Forecasts Keep Missing the Mark

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through the true cost of home insurance. Plus, Robbie sits down with MBA's David Upbin and Arch MI's Kevin Popoli to discuss the Mortgage Banking Bound program and how it is preparing college students for careers in mortgage banking. And we close by looking at why the U.S. Treasury yield curve has been steepening as of late.FHA fall-out borrowers represent untapped market shares that can stabilize your shrinking pipeline. Arrive Home's Earned Equity Program supports these clients on their path to meaningful homeownership. Additionally,  FHA borrowers who don't have the benefit of family assistance are able to qualify using the Nation's leader in DPA. 

This week: Etelle Higgonnet, founder of CoffeeWatch talks with Ian Welsh about the environmental and human costs behind global coffee production. From deforestation and biodiversity loss to pesticide overuse and child labour, they explore how agroforestry, living wages and responsible corporate practices can transform the industry.   Plus: UK supermarket Asda launches sustainable supply chain finance; WHO, WMO warn extreme heat threatens workers; and, Nestlé unveils full-pod cocoa processing innovation, in the news digest by Ellen Atiyah.   Host: Ian Welsh   To continue the conversation and dive deeper, join us for the Sustainable Commodities and Landscapes Forum, taking place in Amsterdam on 21-22 October. This leading business conference brings together 250+ supply chain and sustainability professionals to address the greatest risks - and opportunities - in commodity supply chains. Industry leaders and experts will further explore these vital themes and drive nature-resilience throughout the entire supply chain. Click here for information on how to get involved.

Welcome to the LOVE AND LIES Podcast—where raw truth, emotional intelligence, and real talk about dating and relationships collide.In this episode, we sit down with an NFL veteran and a top male model to uncover the unfiltered reality of love, intimacy, and modern dating. From lust vs love, to the queen vs princess vs “bad bitch” debate, to why ambition matters more than beauty, this conversation exposes how high-value men really see women—and what women miss when they rely on looks instead of self-worth.We dive into:•Why beautiful women disappoint men without ambition or self-awareness•How to recognize the difference between lust and real love•Why men are more loyal to their barbers than their girlfriends•The truth about dating pro athletes and men with options•Emotional intelligence, confidence, and self-respect in relationships•What truly makes a woman “queen material”If you've been searching for a podcast that gives you the truth about dating, relationships, love, sex, self-awareness, and emotional growth all in one place, this is your new obsession.

In this episode of Yahweh's Money, we're getting candid about something that affects all of us: comparison. Shay Cook welcomes powerhouse entrepreneur and coach Dr. Johnetta Thurston for a soul-stirring conversation about identity, finances, and faith in the age of the algorithm.Shay and Dr. Johnetta open up about the silent weight of social pressure, how spiritual alignment helps resist financial distraction, and what true contentment looks like in a world obsessed with more.If you've ever scrolled through social media and felt like you're behind—or wondered why your blessings feel delayed—this episode will remind you that God's timing is never late, and your path is yours alone.Here's what you'll walk away with:Why comparison is the enemy of stewardship—and how to break free from it.The hidden financial and emotional cost of “keeping up.”Biblical truths about success, obedience, and God's timing.Real talk on solopreneurship, burnout, and defining your own version of success.How contentment and legacy are more powerful than luxury.Featured Scripture:Galatians 6:4-5 – “Each one should test their own actions... without comparing themselves to someone else.”Proverbs 22:7 – “The rich rule over the poor, and the borrower is slave to the lender.”Philippians 4:6 – “Be anxious for nothing…”Luke 14:28 – “Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost…”Action Step:Audit your digital space this week.Unfollow or mute three accounts that spark comparison or discontent.Then follow three accounts that nourish your faith, finances, and well-being.Final Word:Comparison can bankrupt your peace. But when you stay rooted in your purpose and focused on your own lane, God can do the work of multiplying your seed in due season. Trust His timeline. Your breakthrough doesn't need a filter—it needs faith.Connect with Dr. Johnetta here:Website: https://www.jdamanagementandconsulting.com/Send us a text

In this episode of Energy Newsbeat Daily Standup Stuart Turley breaks down the hidden costs of renewable energy and its real impact on consumer electricity bills, using EU, UK, and ERCOT examples. He highlights Doug Sheridan's call for more baseload gas and nuclear, critiques flawed oil demand forecasts from the IEA, and reviews Irina Slav's takedown of politicized modeling. Plus, he spotlights record U.S. natural gas consumption projected for 2025 and analyzes how BlackRock's gas deal boosts Aramco's financial strength.Subscribe to Our Substack For Daily InsightsWant to Add Oil & Gas To Your Portfolio? Fill Out Our Oil & Gas Portfolio SurveyNeed Power For Your Data Center, Hospital, or Business?Follow Stuart On LinkedIn: https://www.linkedin.com/in/stuturley/ and Twitter: https://twitter.com/STUARTTURLEY16Follow Michael On LinkedIn: https://www.linkedin.com/in/michaelta... and Twitter: https://twitter.com/mtanner_1Timestamps:00:00 - Intro00:17 - The True Cost of Renewable Energy and the Impact on Consumers' Electrical Bills03:11 - Climate change supporters and their media try to hit Net Zero by 2050, but at what cost – Doug Sheridan04:58 - Why Model-Based Oil Forecasts Keep Missing the Mark09:39 - EIA expects record U.S. natural gas consumption in 202511:26 - BlackRock Gas Deal Shores Up Aramco's Financial Firepower13:02 - OutroLinks to articles discussed:The True Cost of Renewable Energy and the Impact on Consumers' Electrical BillsClimate change supporters and their media try to hit Net Zero by 2050, but at what cost – Doug SheridanWhy Model-Based Oil Forecasts Keep Missing the MarkEIA expects record U.S. natural gas consumption in 2025BlackRock Gas Deal Shores Up Aramco's Financial Firepower

Food delivery apps offer a convenient service to get delicious food brought directly to your door. But they can also pose financial hazards that can derail even the tightest budget. How can food delivery habits impact your overall financial health? Keep listening to find out.    Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   It's hard to resist the ease and comfort of using a food delivery service.  Whether it's for lunch, dinner, or a few simple items you need from the local grocery store, these services bring the world to your doorstep.    Delivery app services like Uber Eats, DoorDash, and Grubhub may be easy and convenient to use, but they can also be the reasons we find ourselves overspending on meals month over month.     Food delivery apps can often misguide us in various ways, and their impact on our budgets is significant. How do they influence our spending habits and finances?  Well, there's a chance you'll be paying more for the item than you would if you went to the store or restaurant yourself. Many restaurants list higher prices for items on delivery platforms to offset fees on their end. For example, a burger that costs $10 at the restaurant might be $12-$13 on the app. It's hard to say whether all restaurants increase pricing for items within the app, but I've noticed it a few times when I order some of my favorite treats from a local coffee shop in my neighborhood.   Another thing to keep in mind is that you can expect to pay additional fees, such as delivery and processing fees. For example, most platforms charge a delivery fee, which can range between $1.99 and $6.99, depending on the app, the distance for delivery, and demand. They can charge a service fee, typically a percentage of the order, such as 10-15%. Some apps will charge a small order fee if the order doesn't meet a minimum. And then there's, of course, the tip. Although tipping is optional, it's often expected and essential to give a little extra to the driver delivering your order. Considering all the fees, a $15 meal in person could become $25+ after the fees and the tip. Not exactly a budget breaker, but over time, those fees and tips can add up to a substantial amount of unexpected costs.     It's important to recognize that you are paying a premium for meals ordered through the apps. While delivery is undoubtedly convenient—especially when we aren't in the mood to prep, cook, and clean—the real money-saving option is cooking for yourself. On average, restaurant meals can cost up to five times more than making them at home. For instance, a deluxe cheeseburger might cost $4.63 to prepare at home, but it could cost $13.69 for takeout and $23.79 for delivery after the fees and tip are factored in. By consistently opting for food delivery, you'll end up spending considerably more on your meals. Sometimes the convenience of delivery is justifiable, but other times it's not worth the extra cost, so before opening the app to hunt for tonight's dinner, consider the significant cost savings of preparing the same meal at home.   So, we've covered the most significant way food delivery apps can cost you more. How can we help you enjoy the benefits of these apps without overspending? Here are a few ways to minimize the chances of overspending the next time you want to order out.    Opt for takeout and pick up the order yourself instead of paying more for delivery. You'll avoid all the added fees, and there's no need to tip a driver.    Avoid using the app and order directly from the restaurant. This can reduce the processing or service fees associated with ordering through an app.    Use a loyalty program to save. Most apps offer a loyalty program with zero delivery fees and other savings, albeit for a monthly fee. But if you find yourself using the apps frequently enough, do the math to determine if getting on a loyalty plan will save you money.   Set a monthly delivery budget to ensure you have money set aside for food delivery. This is an easy way to ensure you'll have the funds available to afford the joys of food delivery without the danger of overspending.   While food delivery services offer the ease and convenience of having delicious food and other household items delivered directly to our door, they can also lead to excessive overspending and the buildup of bad debt. It's crucial to remember that using these apps can be enjoyable, but they require discipline and financial awareness. With a bit of attention, planning, and discipline, we can all enjoy the benefit of using food delivery apps without damaging our finances.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

This week, Pastor Nathan Wakefield continues our sermon series, Pursuing the Heart of God. In 1 Samuel 24:1-22, we learn that Christians need to understand the importance of honoring others, even those who oppose us, as a reflection of our ultimate submission to God. This message encourages believers to respond to animosity with grace and respect, trusting in God's sovereignty.Sermon notes are available on YouVersion Events.Video of the worship service is available for replay.

If every win creates more strain, you're likely underfunding infrastructure.

Everyone wants the benefits of following Jesus—but are we willing to pay the price? In Luke 14, we'll see that true discipleship isn't casual or convenient; it requires complete surrender to Christ.--Sermon by Pastor Nate Click--New to Heritage? Want to get more involved? Looking for a Group or Ministry Team? Let us know at https://heritage.ccbchurch.com/goto/forms/6/responses/new--Stay Connected:Website: http://www.hbcmonroe.orgHeritage Facebook: /heritagebaptistchurchmonroe

The True Cost of Injectable GLP-1 Medications vs Natural Healthy Options:Your hose Scott Mulvaney and Dr. Todd Cevene discuss the benefits of natural weight loss approaches over pharmaceutical solutions. Dr. Cevene, who has helped over 75,000 people and has 74 providers in 38 states, emphasizes the importance of addressing metabolic issues and insulin resistance. He highlights the success of his program, which averages 32+ pounds and 20+ inches of weight loss in 90 days, without exercise. They also touch on the limitations of traditional healthcare, the role of personal accountability, and the potential of compounding pharmacies. Dr. Sabine advocates for a holistic approach to health, focusing on diet and lifestyle changes. Todd Cevene emphasizes that effective health strategies, such as weight loss and blood sugar management, must be consistently applied and monitored for results. He stresses the importance of setting a good example for children, as they learn more from observing actions than from words. Scott agrees, noting the influence of parents' behaviors on their children's habits. They both advocate for passing on positive health knowledge to future generations. Your Co-Host Today:Our guest today is revolutionizing the weight loss industry with a natural approach that's helped over 75,000 people transform their lives. Dr. Todd Cevene pioneered a breakthrough metabolic optimization system that helps people lose weight without exercise, strict diets, or medications. His system is now used by over 140 healthcare providers nationwide and has led to more than 2 million pounds lost naturally and sustainably.Today's Top 3 Takeaways:Natural healthy approaches vs "Pharmaceutical Band-Aids". Understanding Peptides vs GLP-1 Medications. The role of Personal Accountability in our Health. Today's Guest Co-Host Links:https://drtoddcevene.com/https://www.linkedin.com/in/todd-cevene-b2637a45https://x.com/dr_toddcevenehttps://www.facebook.com/DrToddCevene/https://www.instagram.com/drtoddcevene/https://www.youtube.com/@Dr.ToddCevenehttps://www.tiktok.com/@dr.toddcevenehttps://a.co/d/dd77xWc Watch us on YouTube:https://youtu.be/iCtT0iraIe8 Timestamped Show Notes:05:00 – When you see commercials for semi glutides or GLP-1's, they're compounded, the feds have made those against the law out there and now illegal to compound, beginning next month, so you use a name brand prescription. The reason for that is because, when you're doing the peptides, they aren't regulated, so you don't know. It could be a guy in a bathtub in China with his cat, and they're making them, and you're pumping that into your body hoping it's going to make a difference. 28:40 – So without sounding too sarcastic with it, so in that same vein, if you say people want to be healthy, people that we talked about asking like the GLP compound of drugs, or the GLP weight loss drugs, people healthy will...

Dr. Stephanie Rose-Belcher, COO of JMT Consulting, and Kristen Stine, HR Director at JMT Consulting, explore the real financial and human costs of nonprofit staffing. This discussion blends finance, HR, and leadership into a compelling narrative about how organizations can protect their missions by rethinking how they hire, onboard, and retain talent.Stephanie begins by framing the evolution of nonprofit finance within a technological context. Reflecting on the industry's shift from ledgers to AI-enabled platforms, she notes: “Technology lets finance leaders be much more of a strategist than ever before, not just someone crunching numbers and submitting reports.”, capturing a fundamental truth: today's nonprofit financial leaders are central to strategy, not just compliance.Kristen brings the HR dimension into focus by quantifying the staggering financial cost of turnover. “According to the Deloitte survey, we're looking at anywhere between 50 and 200% of the annual salary of a person to recruit them, onboard them, and get them up to speed,” she warns. Beyond dollars, she points to the strain turnover places on morale, workload, and culture. Investing in retention, she argues, is not a “nice to have” but a fiscal necessity.The discussion highlights how onboarding inefficiencies further magnify these costs. While skilled professionals may shorten the curve, Stephanie cautions that “to get to mastery and really know the organization and its nuances, it takes a hard four months for an experienced person and six months or more for others.” Without deliberate investment in training, mentorship, and culture-sharing, nonprofits risk losing ground during this critical period.Both guests emphasize that solutions need not be costly. Flexible scheduling, sabbaticals, leadership development, and even creative benefits platforms can create workplaces that people want to stay in. They stress the importance of tailoring approaches across generations: younger staff may prioritize professional growth, while older or part-time staff may value flexible time. Equity, transparency, and HR creativity, they argue, can reconcile these different expectations.The episode closes with a look ahead to JMT's Innovate 2026 conference in Washington, DC—an event designed to unite finance leaders around not just technology, but broader trends shaping nonprofit leadership and sustainability.This conversation challenges nonprofit leaders to view HR and finance as inseparable. Recruitment and retention decisions are not only about culture—they are also about stewardship of resources, organizational stability, and the ability to serve missions with consistency and strength.#TheNonprofitShow #NonprofitLeadership #HRandFinanceFind us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

How much is your child's education really worth? In this episode, Zan and producer Caleb review clips that tackle everything from Florida's 46% homeschool growth surge to one family's quarter-million-dollar annual investment in their children's learning. Zan and Caleb explore why traditional classrooms haven't evolved in 150 years while discussing the true cost—and immeasurable value—of choosing to educate at home. Be inspired to see homeschooling as the worthwhile investment it truly is. SHOW NOTES https://zantyler.com/podcast/158-news-clips   LISTEN AND SUBSCRIBE Join Zan Tyler and a special guest each week for real encouragement, engaging stories, and practical wisdom for surviving and thriving on the homeschool journey. YouTube: https://youtube.com/@thezantylerpodcast Apple Podcasts: https://apple.co/3QmTyC3   Spotify: https://spoti.fi/3vLipG2  SUBMIT YOUR QUESTION FOR ZAN https://speakpipe.com/Zan_Tyler_Podcast  CONNECT WITH ZAN & FOLLOW HER ON SOCIAL Website: https://zantyler.com/podcast  Instagram: https://instagram.com/zan_tyler_podcast  Facebook: https://facebook.com/ZanTylerHomeschool  TikTok: https://tiktok.com/@thezantylerpodcast  Twitter/X: https://x.com/ZanTyler  SPONSORED BY BJU PRESS HOMESCHOOL https://bjupresshomeschool.com

My guests today are Henrietta Moore and Arthur Kay. Henrietta Moore is the Founder and Director of the Institute for Global Prosperity and the Chair in Culture Philosophy and Design at University College London. Her work is focused on new economic models, Universal Basic Services, artificial intelligence, environmental degradation, decarbonization, displaced people, and the gender pay gap. Arthur Kay is an entrepreneur, urban designer, and advisor building solutions for sustainable cities. He is a Director at Innovo, and the Founder of Skyroom, The Key Worker Homes Fund, and Bio-bean. Kay is a Board Member of Transport for London (TfL), the Museum of the Home, and Fast Forward 2030. The topic is their book Roadkill: Unveiling the True Cost of Our Toxic Relationship with Cars. In this episode of Trend Following Radio we discuss: Social and environmental impact of cars Urban design and car-centric infrastructure Alternatives to car ownership Public transport safety and social issues Cultural attitudes toward community and individualism Jump in! --- I'm MICHAEL COVEL, the host of TREND FOLLOWING RADIO, and I'm proud to have delivered 10+ million podcast listens since 2012. Investments, economics, psychology, politics, decision-making, human behavior, entrepreneurship and trend following are all passionately explored and debated on my show. To start? I'd like to give you a great piece of advice you can use in your life and trading journey… cut your losses! You will find much more about that philosophy here: https://www.trendfollowing.com/trend/ You can watch a free video here: https://www.trendfollowing.com/video/ Can't get enough of this episode? You can choose from my thousand plus episodes here: https://www.trendfollowing.com/podcast My social media platforms: Twitter: @covel Facebook: @trendfollowing LinkedIn: @covel Instagram: @mikecovel Hope you enjoy my never-ending podcast conversation!

Bad Work EthicIn this episode, we take a deep dive into the surprising and significant costs of a poor work ethic. We go beyond surface-level assumptions to explore the real impact on productivity, morale, and overall well-being in the workplace. We discuss the tangible losses, such as reduced output and efficiency, as well as the intangible costs, like the erosion of team spirit and job satisfaction. We also explore proactive strategies for addressing these issues and fostering a culture of responsibility and ownership.The multiplier effect of a poor work ethic on team productivity.The hidden costs of increased errors and rework.How a lack of commitment can lead to missed deadlines and lost opportunities.The impact of a poor work ethic on the morale and well-being of high-performing employees.The role of leadership in setting the tone for a strong work ethic.Proactive strategies for addressing a poor work ethic, including setting clear expectations, fostering a culture of responsibility, and providing training and development opportunities.The importance of addressing underlying issues, such as burnout and disengagement.Listen to the full episode for a comprehensive understanding of the costs of a poor work ethic and how to address them.Watch the episode on YouTube to see the full discussion and engage with our community in the comments.Download our free workbook, "Reclaiming Your Inner Peace," at powerofpeacefulness.com to start your journey toward a more fulfilling life.The Costs of Poor Work Ethic: The article that served as the primary source for this episode.Barrack and Mount's (1991) research on conscientiousness and wasted time at work: This study highlights the statistical link between conscientiousness and productivity.Canac's (2003) research on the cost of poor quality: This research emphasizes the financial impact of a lack of employee engagement and diligence.Tom Hane's (2013) study on project management: This study identifies a lack of commitment and accountability as a major reason for project delays and failures.Greenberg's (1990) research on organizational justice: This research shows how perceived unfairness in workload distribution can negatively impact morale and job satisfaction.Leaky et al.'s (2006) research on negative relationships and lack of trust: This research highlights the impact of these factors on morale and engagement.Griffith et al.'s (2000) research on employee turnover: This research confirms that job dissatisfaction and a negative work environment are major drivers of why people quit.Show NotesIn this episode, you'll learn about:Ready to take the next step?Mentioned in this episode:

The True Cost of Trump's Big Beautiful Bill on Family BusinessIn this episode of Fearless Family Business, Adam critically examines a recent piece of legislation—referred to as Donald Trump's 'One Big, Beautiful Bill'—that entails multi-trillion dollar tax cuts, program cuts, and spending increases. Adam argues that while some may benefit financially in the short term, the bill has dire long-term implications for family businesses and society as a whole. Key points include the exacerbation of the humanitarian crisis through increased immigration enforcement, the enlargement of the federal deficit, and the widening wealth gap. Adam advocates for investment in education, healthcare, and inclusion as essential pathways for sustainable economic prosperity and value creation. The episode underscores the need for family businesses to focus on innovation and long-term legacy rather than short-term gains.00:00 Introduction: The Big Beautiful Bill00:19 Why I Oppose the Bill01:46 Overview of the Legislation03:51 Impact on Social Programs and Defense Spending06:44 Humanitarian Crisis and Immigration Enforcement10:35 Deficit and Fiscal Responsibility22:06 Wealth Gap and Value Creation26:38 Conclusion: A Call to Action for Family Businesses

We all know that with the rise of technology, our kids are growing up in a vastly different world than we did. Regardless of your house rules on phones and screen time, it's likely that every kid will be exposed to social media in some way, which has a worrisome amount of power over their view of themselves and the world.  Dino Ambrosi, founder of Project Reboot, is on a mission to help the next generation build a better relationship with technology, in order to reclaim time and regain focus. He explains exactly how much of our precious lives are being traded away for screen time. While it's not necessarily realistic to ban screens altogether (for ourselves or our kids), it is crucial that we teach our kids how to use technology with intention, because how we spend our time shapes who we become. Sponsors and discounts: Organifi Weary To Revived Course Show links: Watch the full clip Learn more at projectreboot.school Listen to Episode 318. Reclaim Your Time, featuring Cassie Holmes   As always, I'd love to hear from you! Subscribe, leave a review, or follow PG-ish on IG @pgishparenting, or you can always find me at www.pgishparenting.com.

Christian Glasgow is a sports psychologist who works with some of the biggest names in sport — from top Supercross riders and pro surfers to elite golfers and tennis players, and everything in between. In this chapter, we dive into the psychology behind high-performing athletes: the common challenges they face, how they access flow state, the role parents play in their careers, and how they navigate relationships while chasing greatness.We also get into a deep conversation about Haiden Deegan — his mindset, confidence, ability to ruffle feathers, talk trash, and back it up. A powerful breakdown of a one-of-a-kind athlete from a sports psychologist's perspective.Gypsy Gang, as always — enjoy the show, and don't forget to like, subscribe, and hit the notification bell so you never miss a new drop! Say no to doors

Double-digit, billion-dollar investments into infrastructure projects going down the drain with them?

How do you lead through change in the energy sector? In this episode of the Oilfield 360 Podcast, hosts David de Roode and Victoria Beard sit down with James Stewart, CEO of One X Completion Services, for a deep dive into the future of oilfield services. From his early days in Nigeria with Schlumberger to building what came NexTier Oilfield Solutions now part of Patterson-UTI, James shares lessons from a career built on adaptability, innovation, and people-first leadership. The trio explores the latest in well completions, the growing role of technology, and why strong teams remain the true differentiator in today's energy landscape. You won't want to miss this conversation with yet another legend of the oilfield as he is far from hanging up his spurs anytime soon.

"Nomi actually stands for 'no middleman'. Take out that invented complexity... Price comes way down, becomes more simple to administer, and there's plenty of dollars to go around for providers now making more money." - Josh WalkerMy guest this week, Josh Walker, Founder & COO of Nomi Health, is on a mission to rebuild healthcare by tackling its "invented complexity." He joined me on the show to explain why creating a direct relationship between the buyers and providers of care is the key to a better, more affordable system for everyone.How does Nomi do it? We break down their playbook, which focuses on three core strategies: standardizing data formats to improve efficiency, embracing price discovery to find the true cost of care, and simplifying payment dynamics to cut out the middlemen.This isn't just theory. Joshua shares the powerful, real-world results of their model, including how one client's benefits leader received a standing ovation from employees after switching to a plan that eliminated all financial barriers to care.Tune in this week to learn why it's so important to find the true cost of care, and why I'm so proud to have Nomi as a sponsor for the show!Chapters:(00:00:44) What Does NOMI Stand For? (00:11:36) Finding the "True Cost of Care" (00:23:27) Do We Even Need Networks Anymore? (00:35:14) What Churros Can Teach Us About Data Analytics (00:52:19) From Solution Taker to Solution Maker (00:55:59) The "Standing Ovation" Health PlanKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Ready to recruit? Don't miss our episode with tips on where to find applicants, training resources, and more!   Read the text version   Resources: Before You Recruit: Setting Up Your Agency for Success Developing an Agency - Your Guide to Getting Started FMO vs. IMO vs. NMO vs. MGA vs. GA: What's the Difference? Learn More About PlanEnroll Find Your Agency Specialist Tech Takeaways for Forward-Thinking Insurance Agents PlanEnroll Official Site Register with Ritter Insurance Marketing   References: Falk, Stefan. “8 Signs You're an Ambivert—They're ‘Underrated' and ‘More Successful' than Introverts or Extroverts: Psychology Expert.” Cnbc.Com, CNBC, 21 Feb. 2025, www.cnbc.com/2025/02/21/psychology-expert-signs-youre-an-ambivert-why-theyre-more-successful-than-introverts-and-extroverts.html. “The True Cost of a Bad Hire-and How to Avoid Making One.” Forbes.Com, Forbes Magazine, 30 June 2025, www.forbes.com/sites/allbusiness/2025/06/30/the-true-cost-of-a-bad-hire-and-how-to-avoid-making-one/. “Monthly Labor Review Projection Overview and Highlights 2020-30.” Bls.Gov, U.S. Bureau of Labor Statistics, www.bls.gov/opub/mlr/2021/article/projections-overview-and-highlights-2020-30.htm#_ednref1. Accessed 18 July 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

In this eye-opening episode of The Birth Lounge podcast, HeHe is joined by Jenn Thatcher, the founder and CEO of Zebra, to discuss the alarming truth about the misleading marketing of 'natural' products. They delve into Jenn's personal journey from battling her children's health issues to creating a truly clean and transparent brand. They break down the harmful ingredients often found in everyday wellness products like deodorant and toothpaste, and why the term 'natural' is frequently misused. Jenn shares insights on how to read personal care product labels, the significance of third-party certifications, and the intricacies of sourcing clean ingredients. This episode is packed with essential information for anyone looking to make informed choices about their personal care products and overall health. 00:00 The Deceptive Marketing of 'Natural' Products 01:05 The Struggle to Find a Clean Deodorant 03:06 The Painful Journey of Testing Deodorants 06:09 Discovering Zebra Deodorant 06:40 Interview with Zebra's CEO, Jenn Thatcher 06:55 Jenn's Personal Story and Motivation 07:43 The Birth of Zebra: A Transparent Brand 08:42 The Importance of Clean Ingredients 12:49 Jenn's Family Health Scares 24:31 The Challenges of Sourcing Pure Ingredients 32:10 The True Cost of Quality Products 38:40 The Dangers of Antiperspirants 41:18 The Hidden Dangers of Fragrances 43:29 Petroleum-Derived Ingredients in Beauty Products 44:46 Decoding Labels: Identifying Harmful Ingredients 46:27 Trust Issues with Beauty Brands 47:25 Zebra's Commitment to Transparency and Safety 55:05 The Hydroxyapatite Debate 01:02:02 Concerns About Traditional Toothpaste Ingredients 01:08:25 The Problem with Dental Floss 01:14:10 Sourcing and Transparency in Beauty Products 01:16:59 Conclusion and Final Thoughts   Guest Bio: Jenn Thatcher left a successful career as an international artist to found ZEBRA. Jenn believes her children were victims of dirty products and a system that is designed to trick consumers. Her son Jack's diagnosis of a brain tumor made her even more vigilant at researching every single ingredient in the products her family was using. She realized that products are really not always as natural as they seem. She decided if she wanted something truly safe, and high performance she was going to have to create it herself. This is how ZEBRA was born. Jenn's faith and love of country is woven into ZEBRA, not only are the ingredients in the products “black and white,” but she lives by the idea of the constitution and the Bible being black and white as well. ZEBRA is a non-toxic, freedom loving brand who answers to no one but the Creator himself. SOCIAL MEDIA: Connect with HeHe on IG  Connect with HeHe on YouTube   Connect with Zebra on IG  BIRTH EDUCATION: Join The Birth Lounge here for judgment-free childbirth education that prepares you for an informed birth and how to confidently navigate hospital policy to have a trauma-free labor experience!   Download The Birth Lounge App for birth & postpartum prep delivered straight to your phone! LINKS MENTIONED: www.yayzebra.com code HEHE for 10% off at yayzebra.com  

When Dan started training for an intense cycling season, he needed more energy... without wrecking his health. That led him to Jay Feldman, a health researcher who believes most mainstream advice is dead wrong. In this episode, Jay explains why “eat less, exercise more” backfires, and what to do instead. You'll learn how metabolism really works, which foods help or hurt, and how to eat in a way that actually fuels your life. LINKS: FREE Energy Balance Food Guide (https://www.jayfeldmanwellness.com/guide/) The Energy Balance Podcast (https://www.jayfeldmanwellness.com/podcast/) 22 FREE business resources for location-independent entrepreneurs (https://tropicalmba.com/resources) Meet the world's most generous global entrepreneurs inside Dynamite Circle (https://dynamitecircle.com/) Connect with 7+ figure founders inside DC BLACK (https://dynamitecircle.com/dc-black) Remote First Recruiting: Find your next best remote hire in 21 days (https://remotefirstrecruiting.com/) CHAPTERS: (00:00:28) Why This Episode Matters (00:04:17) What Is the Bioenergetic View of Health? (00:08:02) Why ‘Eat Less, Exercise More' Doesn't Work (00:13:39) The Food Industry's Role in the Diet Lie (00:20:15) What Should You Actually Eat? (00:22:30) Why Gut Health Affects Energy (00:27:24) Are Seed Oils Destroying Your Cells? (00:31:01) Why PUFAs May Accelerate Aging (00:35:52) What a Metabolism-Friendly Day of Eating Looks Like (00:38:49) How to Eat Like a Baby (and Why That's Good) (00:42:59) Where the Research Is Heading CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: What is the World's Best Diet? (https://tropicalmba.com/episodes/diet?rq=health) The True Cost of Burnout, Anxiety, and Entrepreneurial Depression (https://tropicalmba.com/episodes/benny-lewis-mental-health?rq=health) Talking Smart Drugs (https://tropicalmba.com/episodes/smartdrugs?rq=health)

Tired of watching small mistakes drain your gym's profits? Here's how to stop paying the “dumb tax” once and for all.In this episode of “Run a Profitable Gym,” Chris Cooper explains how seemingly small business mistakes compound into million-dollar losses over time. More importantly, he tells you how to stop making these gym-sinking errors.Coop presents three types of mistakes that destroy gym profitability:Compounding problems get worse over time. Example: hiring without proper training systems.Delaying problems punish you for procrastinating. Example: avoiding necessary price increases.Mounting problems are fueled by the increasing momentum of repeated errors. Example: dumping more members into a gym with a broken pricing model.Chris also gets brutally honest about his own expensive mistakes as a gym owner, and he calculates the real cost of inaction and poor systems so you can see how errors affect P&L statements.Tune in for the full breakdown and then take action before profit-killing mistakes put you on the path to bankruptcy.LinksGym Owners UnitedBook a Call  0:01 - Intro1:39 - Compounding problems7:59 - Delaying problems11:43 - Mounting problems14:58 - What's the cost of change?

This episode is sponsored by Lockton, click here to learn more Watch the full video on YouTube - click hereJay Butler doesn't just understand troubled operations. He's worked through them at every level. From the production lines of Nissan and Mercedes-Benz and now as a consultant for distressed plants, he has seen what causes operations to fall apart. And the biggest problems don't come from the floor. They come from leadership.Jay starts by sharing how poor leadership decisions create ripple effects that reach all the way to the floor. Holiday shifts that never end. Supervisors are stretched too thin. People burned out from six- and seven-day workweeks, year after year.Operational pressure doesn't just hit the floor; it follows people home. When that pressure builds up for long enough, performance drops, and culture breaks. Jay doesn't blame the people doing the work; he points the finger at the decisions being made at the top.But Jay doesn't frame this as a call for soft leadership. In fact, he's clear: being a good leader means setting expectations, being consistent, and holding people accountable. What doesn't work is enforcing rules that no one follows or only applying them when convenient.You can't expect consistent performance if you don't hold people accountable—or worse, if leadership doesn't model the behavior themselves.Jay recalls workers raising grandkids, struggling to keep up, and barely making it through the week. Leaders might not think that's their responsibility, but Jay argues otherwise. If your policies at work make someone's home life harder, you're responsible for that too.They also revisit accountability, but in a different light. Jan mentions a recent interview with Brad Ring at Webasto, who swapped the word "accountability" for "promise." It's a simple change, but it changes everything. "I promise to get this done" hits differently than "you'll be held accountable."They also talk about tariffs. Jay explains how one political post or policy change can throw an entire manufacturing plan off course. He's seen companies scrap full strategies mid-meeting because of a headline. That level of volatility demands preparation. You can't move production in a week, especially in automotive, but you can plan.This episode is a reminder that the weight of leadership isn't just about decisions. It's about owning your impact. As Jay puts it, you influence more than just metrics—you influence whether someone gets to go home proud or completely drained. That's where operational transformation begins. Not with new systems. Not with floor-level changes. But with better leadership.Themes discussed in this episode:How poor leadership creates burnout and operational breakdowns in manufacturingWhy holding employees accountable without clear standards creates chaos and mistrustWhy operational breakdowns often stem from leadership gaps, not workforce performanceHow Gen Z workers are reshaping expectations for culture in manufacturing plantsHow inconsistent enforcement of rules weakens trust and team accountabilityWhy companies must address culture and accountability before fixing production issuesWhat leaders must do to prepare for tariff changes and global trade uncertaintyFeatured guest: Jay ButlerWhat he does: Jay is the VP of Client Development at Seraph, where he leads management and leadership training, quality improvement, strategic planning, and product...

How much you need to retire quiz: https://adamdolson.com/retire-quiz/When $1 Million Isn't Enough for Retirement: The Truth About Retirement PlanningIn this video, learn why $1 million might not be sufficient for your retirement and discover the key factors that influence the longevity of your retirement savings. Expert financial planner Adam Olson breaks down how your retirement age, inflation, and withdrawal strategies impact your financial security. He challenges the outdated $1 million myth and provides practical steps to create a reliable income strategy tailored to your unique needs.Understand the importance of timing, the flaws of the 4% rule, and how to build a dynamic retirement plan that adapts to real-life challenges. This episode is essential for anyone looking to navigate the complexities of modern retirement planning.00:00 Introduction: When $1 Million Stops Being Enough for Retirement01:29 The Myth of the $1 Million Retirement Fund04:07 The Impact of Retirement Timing06:26 The Flaws of the 4% Rule08:19 Inflation and Longevity: The One-Two Punch09:38 Assets vs. Income: The Real Focus of Retirement11:04 Building a Successful Retirement Strategy13:53 Conclusion and Next Steps8160417.1Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

In this episode, Kelsi Sheren discusses the hypocrisy surrounding mental health advocacy, particularly focusing on the Bell Let's Talk campaign and its ties to organizations promoting assisted dying. She emphasizes the importance of honest conversations about suicide prevention and mental health, drawing from her personal experiences as a veteran. Kelsi calls for accountability from corporations and advocates for genuine support for mental health recovery.Kelsi emphasizes the need for honest discussions about mental health. She highlights the alarming rate of suicide among veterans. The Bell Let's Talk campaign is criticized for its hypocrisy. Kelsi warns against the dangers of medical assistance in dying.She shares her personal journey of healing from PTSD and depression. The conversation calls for accountability from corporations like Bell. Kelsi argues that real mental health advocacy requires uncomfortable truths. She stresses the importance of community support and accessible therapies. The episode critiques the narrative that promotes death as a solution. Kelsi encourages listeners to demand transparency from organizations.00:00 Introduction to a New Perspective01:25 The Reality of Suicide Prevention02:48 Bell Let's Talk: A Hypocritical Campaign05:19 Eugenics and Medical Assistance in Dying10:07 The True Cost of Mental Health Neglect15:16 Demanding Accountability from CorporationsSubstack: https://substack.com/@kelsisheren - - - - - - - - - - - -SUPPORT OUR SPONSORS - - - - - - - - - - - -RHO Nutrition - Code: KELSI20 -  https://rhonutrition.com/KELSIKetone IQ- 30% off with code KELSI - https://ketone.com/KELSIGood Livin- 20% off with code KELSI - https://www.itsgoodlivin.com/?ref=KELSIBrass & Unity - 20% off with code UNITY - http://brassandunity.com - - - - - - - - - - - - -SHOPB&U Jewelry & Eyewear: https://brassandunity.com - - - - - - - - - - - - -Follow #thekelsisherenperspective- - - - - - - - - - - - -CHARITYHeroic Hearts Project - https://www.heroicheartsproject.orgAll Secure Foundation - http://allsecurefoundation.orgDefenders of Freedom -https://www.defendersoffreedom.usBoot Campaign - https://bootcampaign.org

Ready to grow your clientele & revenue? Download "The 20 Client Generators" PDF now and get instant access to strategies that will fill your calendar with potential clients. No complicated tech, no lengthy processes—just real strategies that work. https://info.patrigsby.com/20-client-generators Do you want to stop chasing leads and start attracting them instead? Get Instant Access To The Weekly Client Machine For Just $5.00! https://patrigsby.com/weeklyclientmachine Get Your FREE Copy of Pat's Fitness Entrepreneur Handbook! https://patrigsby.com/feh  --- Why Nothing is Truly Free: The Hidden Costs of Free Offers in Business In this episode, we delve into the concept that 'nothing is really free,' particularly in the context of offering free trials and services as a business strategy. While free sessions can be an effective way to attract new clients, there's always an opportunity cost involved—for both the customer and the business owner. We discuss the various costs, including time, emotional investment, and potential risks, as well as the long-term financial implications of how you choose to spend your available hours. From the customer's perspective to the business owner's side, the episode explores why free offers are indeed not free and urges thoughtful decision-making about the real costs behind seemingly free propositions. 00:00 The Illusion of Free: An Introduction 00:41 The Hidden Costs of Free Trials 01:00 Opportunity Costs for Clients 01:50 Owner's Perspective: The Cost of Time 03:41 Long-Term Investments vs. Immediate Gratification 04:25 Conclusion: Evaluating the True Cost

In this episode, we're joined by Nathan Taylor, VP of Sales & Business Development at SureCost, to unpack the real impact of “convenience” in pharmacy purchasing—and why relying solely on a single vendor could be costing your pharmacy more than you realize. We explore the hidden risks of vendor-controlled pricing, delayed reporting, procurement errors, and the operational strain of drug shortages. Nathan shares how SureCost empowers pharmacies to regain control with real-time data, contract compliance tools, and integrated vendor comparisons—all within a unified purchasing platform.

When you are faced with a decision, do you consider the best outcome, or do you consider your deepest values about which actions are appropriate? Steven Sloman contrasts these two primary strategies for making decisions: consequentialism or prioritizing one's sacred values. He argues that, while both modes of decision making are necessary tools for a good decision maker, people err by deploying sacred values more often than they should, especially when it comes to sociopolitical issues. As a result, we oversimplify, grow disgusted and angry, and act in ways that contribute to social polarization. Drawing on historical and current examples of the two decision-making strategies in action, Sloman provides a thorough overview of the psychology of decision making, including work on judgment, conscious and unconscious decision-making processes, the roles of emotion, and even an analysis of habit and addiction. Steven Sloman has taught at Brown University since 1992. He is the author of Causal Models and a coauthor of The Knowledge Illusion (with Phil Fernbach). His new book is The Cost of Conviction: How Our Deepest Values Lead Us Astray.

When BT found his dream restoration vehicle, a 1978 Jeep CJ-7, he had no idea just how much time, effort, and money it would cost him. But with his eyes focused squarely on the end goal, he kept moving forward, even when it was uncomfortable and difficult. Recorded live in his garage, he explains how the physical reality of counting the costs of this project directly mirrors the spiritual principle of what it takes to follow Jesus.  For the month of July, we're reliving Brian's 3-year Jeep restoration project, as chronicled on his YouTube show Garage Bible Study. With over 30 episodes dedicated to restoring his 1978 Jeep CJ-7, BT draws a straight line from physical work to spiritual principles. Track along with the entire project on YouTube, here.