Podcasts about wasters

Episode 1 - Waste and the Wasters by SOF/Heyman

DEALING WITH ACTIVITIES OF THE WASTERS PRAYER AVALANCHE JULY 2024 EDITION "BE OF GOOD CHEER. ARISE, FOR HE CALLS YOU" DAY 12: DEALING WITH ACTIVITIES OF THE WASTERS SCRIPTURE: Psalm 27:2, 14:4Jeremiah 51:56Nahum 2:2Isaiah 21:2, 54:16 PARTNER WITH THE MINISTRY: ✓First Bank Of Nigeria: 3110283303 ✓Guaranty Trust Bank: 0008782314 ✓DOLLAR ACCOUNT: Account Name: Areola Oreoluwa Bank Name: United Bank Of Africa (UBA) Account number: 2182062182. SWIFT CODE: UNAFNGLA228 Sort code: 33153364 PRAYING EAGLES NETWORK 142, Akowonjo Road, Egbeda, Lagos State. Nigeria. Call/SMS/WhatsApp:+2348062686255. +2347025714791. E-Mail: prayingeagle@yahoo.com

Sa video na ito, tatalakayin natin ang mga karaniwang money wasters na nagiging hadlang sa ating financial goals. Alamin kung paano maiwasan ang pag-aaksaya ng pera sa pamamagitan ng practical tips at strategies. Kung gusto mong maging financially secure at makapagsave ng mas marami, panoorin mo na ito! #MoneyWasters #FinancialTips #ChinkeeTan Hosted on Acast. See acast.com/privacy for more information.

THIS IS AN INTENSE PRAYER SESSION TO DESTROYS STRONGHOLDS THAT WASTE THE BLESSINGS OF GOD IN OUR HANDS.....STAY BLESSED --- Support this podcast: https://podcasters.spotify.com/pod/show/icgckharistemple/support

It's the time of the year when the Canadian Taxpayers Federation presents its Teddy Awards, an annual award ceremony for the year's biggest "wasters" in the government. Host Alex Pierson is joined by Franco Terrazzano, the federal director of the Canadian Taxpayer Federation to lay out who's the top winner...or loser....depending on how you view it. Learn more about your ad choices. Visit megaphone.fm/adchoices

Okay, before we get into the specific money wasters, there's a general principle you should be aware of…if you're buying things that provide only a temporary sense of satisfaction, you're probably wasting money. It doesn't matter what it is—if it's unnecessary and you grow bored with it, it was a waste of money. Check your closets for examples.I'm not saying you should take a “vow of poverty.” The Lord wants us to enjoy the resources He's given us, but that must be tempered by the principle that we're merely stewards and must use His resources wisely.Of course, we live in a culture that promotes spending. It's a big problem. One survey showed that the average adult spends around $1,500 monthly on non-essentials. No wonder so many Americans are living paycheck to paycheck. Imagine what that kind of money would do if put into savings or invested for retirement.Let's look at our 6 money wasters for today…and what you can do about them.The first is one of the biggest—but also one of the easiest to fix—not preparing meals. It's okay to eat out occasionally…but too often it's just for convenience and unnecessary. A restaurant-prepared meal will cost you three times what you would pay for the same meal cooked at home.Money-waster number two…upgrading your smartphone when a new one comes out. For example, the iPhone 15 could cost as much as $1,600…or lock you into a long contract if your carrier provides it. Eventually, a smartphone will have to be replaced…but the longer you delay upgrading…the more money you keep in your pocket. This year's red hot phone is next year's discount model. And you have to ask how smart your phone needs to be. Most of us don't use the features we have now. Okay, number three…Clothing is another biggie. Wearing the latest fashion is expensive. By some estimates, the average American spends nearly $2,000 a year on clothing. And in a few months, whatever you buy will probably be out of fashion. Clothes wear out and need to be replaced…so you must include that in your budget … but those spending decisions should be practical … not a way to boost your ego.Money waster number four … buying lottery tickets. The ads say “You can't win if you don't play,” but that's nonsense. You definitely will win if you don't play. You'll get to keep your money. You have better odds of being hit by lightning twice than winning the lottery. Plus, you don't want to participate in something that disproportionately hurts the poor. A Bankrate report found that low-income households spend as much as 13% of their income on lottery tickets—far more than higher-income earners.Okay, number five…extended warranties…especially for automobiles. It's now a $40 billion-a-year industry…and just an expensive form of insurance you probably won't need.So, instead of buying an extended warranty, do your homework to ensure you're buying a quality item. Most will have an adequate manufacturer's warranty anyway. Then, ensure you have enough money in your emergency fund to cover any necessary repairs.And our number six big money waster is … your cable or streaming package. If you're still paying for cable, it could be as much as $200 monthly for Internet and TV. Do you need 568 channels?More and more folks are dropping cable and satellite TV and using only streaming apps, but even there, you can waste a lot of money. A survey by FinanceBuzz showed that a quarter of households have at least three more streaming apps than they did two years ago…and one in 10 reported having no idea how much they're spending on streaming.So keep track of what you're watching, and if you're not getting your money's worth from an app, drop it. That's one great thing about streaming apps—no service contract, so you can drop it anytime.Okay, those are your 6 big-time money wasters. We hope you find this helpful.On Today's Program, Rob Answers Listener Questions:My 19-year-old daughter is looking to purchase a car and has found one she likes with low mileage. She has also had a mechanic inspect it. My husband and I thought the daughter should put down half on the car instead of paying in total to help establish credit, but I wanted to ask if that was the best approach. I have around $9,000 in two retirement accounts, about $18,000. However, they want to withhold 20% plus fees to withdraw it, which would be around $2,200 from each account. Is this normal? I need the cash reasonably quickly.I have around $135,000 in retirement accounts that will mature in July. Do you have any advice on what I should do with that money? I'm 69 years old and mostly living off of social security right now, with little savings but not much.I will be 68 in September and have lived off my savings for the past year. I know how much I spent in that time. I started taking my Social Security benefits, but now want to wait. I have about $42,000 in savings, my house and cars are paid off, I have around $260,000 in an IRA, and another $105,000 in a guaranteed annuity paying 4%. Would suspending my Social Security benefits and letting them grow while drawing from my IRA makes sense? How much would I need to draw each month?Resources Mentioned:Credit KarmaAnnualCreditReport.comRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Jesus told His followers to be wary of materialism—but we’re all guilty of it from time to time—wasting money on things we don’t really need. On today's Faith & Finance Live, host Rob West will talk about 6 big time money wasters. Then he’ll answer your calls on various financial topics.See omnystudio.com/listener for privacy information.

LISTEN HERE:Spotify: https://open.spotify.com/show/3PZOQuN5kqWOwkGFeupTqW?utm_medium=share&utm_source=linktreeApple Podcast: https://podcasts.apple.com/us/podcast/korean-cowboys-podcast/id1616297146?app=podcast&at=1000lHKX&ct=linktree_http&itscg=30200&itsct=lt_p&ls=1&mt=2KOREAN COWBOYS SOCIALSInstagram: https://www.instagram.com/koreancowboyspodcast/X: https://twitter.com/Korean_Cowboys/TikTok: https://www.tiktok.com/@koreancowboys?lang=enAARONInstagram: https://www.instagram.com/theaaronkwak/X: https://twitter.com/realaaronkwakJOELInstagram: https://www.instagram.com/joeljaylane/X: https://twitter.com/joeljaylane91

On this episode we heard from locals who have been protesting outside the disused Crown Paints factory in Coolock...fearing that it's to be used to house Asylum seekers.

The man himself, head breeder of GrowCast Seed Co and long time friend of the show Rhizo Rich is back on the program! Today Rich is here to share some info on his current amazing pheno hunt, and to talk about his low cost oriented gardening style. Rich gets an update on how the Molokai pheno hunt is going, and how vigorous genetics really are the most important thing when it comes to surviving multiple environmental pressures. The conversation turns towards low cost growing, and Rich shares some of his favorite money saving techniques. From DIYing your own cannabis grow products at home, to searching the depths of Home Depot and Amazon to find the cheapest possible purchase. Rich also warns of the biggest money WASTERS, including throwing away your medium every time, inefficient equipment, and more...

Learn More About Attending the Highest Rated and Most Reviewed Business Workshops On the Planet Hosted by Clay Clark In Tulsa, Oklahoma HERE: https://www.thrivetimeshow.com/business-conferences/   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/   Clay Clark Testimonials | "Clay Clark Has Helped Us to Grow from 2 Locations to Now 6 Locations. Clay Has Done a Great Job Helping Us to Navigate Anything That Has to Do with Running the Business, Building the System, the Workflows, to Buy Property." - Charles Colaw (Learn More Charles Colaw and Colaw Fitness Today HERE: www.ColawFitness.com)   Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Actual Client Success Stories from Real Clay Clark Clients Today HERE: https://www.thrivetimeshow.com/testimonials/   See Thousands of Case Studies Today HERE:  www.thrivetimeshow.com/does-it-work/  

In the early days of the Utah territory, Mormon leaders decided to exterminate anything that got in the way of their plans to build their Kingdom of God. This episode delves into the ghastly execution of the Timpanogos tribe that occupied lands Mormons invaded. It also tells the story of the "Wasters & Destroyers" contest where Mormons devised a contest to kill as many animals as possible, which added to the devestation. Shownotes: Donate to Sunstone and the History Podcast (leave us a note in the comment section to say hi!) Daniel Hanmer Wells and Events of His Time The Whites Want Everything by Will Bagley A History of Utah's American Indians by Forrest S. Cuch The Wasters and Destroyers article, Utah Historical Quarterly 1994 - VOL LXII - No 1 A Historical Study of the Exploration of Utah Valley and the Story of Fort Utah  Ute perspectives of the Timpanogos Massacre Donate to the Timpanogos tribe

In the early days of the Utah territory, Mormon leaders decided to exterminate anything that got in the way of their plans to build their Kingdom of God. This episode delves into the ghastly execution of the Timpanogos tribe that occupied lands Mormons invaded. It also tells the story of the “Wasters & Destroyers” contest …

Tuesday 7th November Podcast *WASTERS OF DESTINY AND GOOD THINGS* (Pt 3) 1: Every strange association preparing my downfall scatter in the name of Jesus. 2: I reject every satanic rearrangement of my destiny, in the name of Jesus. 3: Powers trying to remove my name from the mind of my helpers, be disappointed in the name of Jesus. 4: Voice of darkness speaking failure into my day be silenced forever in the name of Jesus. 5: Powers that divert blessings at the edge of breakthrough I bind and cast you out of my life in the name of Jesus. 6: Wasters of glory be openly destroyed in the name of Jesus. 7: My divine purpose will not be wasted in the name of Jesus. 8: I barricade my life and family with the blood of Jesus 9: Devourers, cankerworm ,calling my names for evil be destroyed by the blood of Jesus. 10: my doors of destiny open unto me in the name of Jesus. 11: I entire into my season of harvest in the name of the father,son and holyspirit in Jesus name.amen. I pray the glory of the almighty God will fortify and protect you all the way ,you will not fail,you will not be cut down,you will not be disappointed in Jesus name.amen

*WASTERS OF DESTINY AND GOOD THINGS* (Pt 2) Monday November 6th Attached Prayers. You will take the following prayers today 1: The source of problems confronting my life and family dry up, in the name of Jesus. 2:Blessings programmed to slip out of my life on the day of celebration I reject you and I claim powerful breakthroughs, in the name of Jesus. 3: Powers and personalities circulating my name for evil, be disappointed in the name of Jesus. 4: My voice will not become an echo in life in the name of Jesus. 5:witchcraft powers and personalities manipulating my joy,manipulating my blessings holyspirit destroy them now in the name of Jesus. 6: Whoever is monitoring my life and waiting for my unguided hour to bring me down,Angel's of my destiny disgrace them in the name of Jesus. If you are single and long overdue take this prayer. 7: Every agenda of wickedness,gate of my father's house keeping my marital breakthrough tied down scatter in the name of Jesus. For those confronted with health challenges say this loud and clear. 8: I soak my spirit soul and body into the blood of Jesus and I recieve my healing in Jesus name. I declare what ever your case may be .let the blood of Jesus avail for you in Jesus name.You will not be wasted,your effort and family will not be wasted in Jesus name.amen Amen.take the prayers very well and spend quality time on time.

Destiny series. Be blessed as you listen

Following the footsteps of the County's controversial ban on people convicted of crimes from entering the Strip, the City is now proposing a similar ordinance around the Fremont Street Experience. It's turned into a battle over the soul of spaces like FSE: Are these public forums for free speech, or are they commercial engines for our city coffers to be protected… at all costs? On today's Friday news roundup, host Dayvid Figler talks about this issue with reporter Michael “MJ” Lyle of the Nevada Current and editor Lorraine Longhi from the Review-Journal. They also spill the tea on the surprising critique that Nevada Assembly Speaker Steve Yeager recently lobbed at embattled CCSD Superintendent Jesus Jara (and the District's spicy reply). And finally, that list of the Valley's top 100 water users is once again circulating — it's no surprise who's at the top of that list. We're on social media! Follow us @CityCastVegas on Instagram. You can also call or text us at 702-514-0719. Want some more Las Vegas news? Then make sure to sign up for our morning newsletter here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone wastes a little money here and there, because it’s pretty hard not to. But the trick is to not waste a lot of money, since that can have a negative effect on your finances. On today's MoneyWise Live, host Rob West will talk about some big money wasters that we would all be wise to avoid. Then he’ll answer your calls and financial questions. See omnystudio.com/listener for privacy information.

Before we get into the specific money wasters, there's a general principle you should be aware of: If you're buying things that provide only a temporary sense of satisfaction, you're probably wasting money. If it's not a necessity and you grow bored with it, it was a waste of money. Check your closets for examples.Now, we're not saying you should take a “vow of poverty.” The Lord wants us to enjoy the resources He's given us. But that must be tempered by the principle that we're merely stewards and we need to use His resources wisely.But, of course, we live in a culture that promotes spending. It's a big problem. One survey showed that the average adult spends around $1,500 a month on non-essentials. No wonder so many Americans are living paycheck to paycheck. Imagine what that kind of money would do if it were put into savings or invested for retirement. 6 MONEY WASTERS1. Not preparing your own meals. The first money waster is one of the biggest, but it's also one of the easiest to fix.. It's okay to eat out occasionally, but too often it's just for convenience. By some estimates, a restaurant-prepared meal will cost you three times what you would pay for the same meal cooked at home.2. Upgrading your smartphone as soon as a new one comes out. For example, the iPhone 14 could cost you as much as $1,600 or lock you into a long contract if your carrier provides it.Eventually, a smartphone will have to be replaced, but the longer you delay the upgrade, the more money you keep in your pocket. This year's red hot phone is next year's discount model.3. Overspending on clothing. Wearing the latest fashion is expensive. By some estimates, the average American spends nearly $2,000 a year on clothing. Clothes do wear out and need to be replaced, so you must include that in your budget, but those spending decisions should be practical.4. Buying lottery tickets. The ads say “You can't win if you don't play,” but that's nonsense. You definitely will win if you don't play. You'll get to keep your money. You have better odds of being hit by lightning twice than winning the lottery.Plus, you don't want to participate in something that disproportionately hurts the poor. A Bankrate report found that low-income households spend as much as 13% of their income on lottery tickets.  That's far more than higher-income earners.5. Extended warranties. Extended warranties are now a $40 billion-a-year industry, and it's really just an expensive form of insurance that you probably won't need.Instead of buying an extended warranty, do your homework to make sure you're buying a quality item to begin with. Most will have an adequate manufacturer's warranty anyway. And then make sure you have enough money in your emergency fund to cover any repairs you might need to make.6. Cable and streaming packages. If you're still paying for cable, it could be as much as $200 a month for Internet and TV. Do you really need 568 channels?More and more folks are dropping cable and satellite TV and using only streaming apps, but even there, you can waste a lot of money.A new survey by FinanceBuzz showed that a quarter of households have at least 3 more streaming apps than they had a year ago, and 1 in 10 reported they have no idea how much they're spending on streaming.So keep track of what you're watching and if you're not getting your money's worth from an app, drop it. That's one great thing about streaming apps — no service contract. You can drop it any time you like.Those are your 6 big-time money wasters. We hope you find this helpful. On today's program, Rob also answers listener questions: Are capital gains taxed differently from regular income? Is title theft insurance a wise thing to buy? Should you ask a wise parent for financial advice or turn to a completely impartial source? If family members stay in the home of a parent with dementia, could that have ramifications for Medicare?  Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give  as we expand our outreach.  

We’ve all succumbed to the temptation of materialism from time to time—wasting money on things we don’t really need. On today's Faith & Finance Live, Rob West will talk about 6 of those money wasters and how you can avoid them. Then he’ll answer your questions on various financial topics. See omnystudio.com/listener for privacy information.

Full show - FrYiday | Dare | Slacker is trying to be a folder | Poop | Water wasters | Gen Z is ruining everything | Weird way you eat

Do you really get what you pay for? Are some things just worth it to pay more for? We're beyond excited to welcome the one and only Paula Pant back to the roundtable. She's joined by Len Penzo of the award-winning blog lenpenzo.com and our very own high roller, OG, to carry on the year-long competition by guessing which items are on a top 20 list of things that aren't worth the money. (Number 14 will shock you!). Doug also brings some eye-opening trivia about one of America's biggest vices. Be prepared to be blown away when you hear what it is! FULL SHOW NOTES: https://www.stackingbenjamins.com/friday-roundtable-1367 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you interested in receiving help with your counseling business?CLICK HEREAre you ready to hire an expert that can help you market, brand, and grow your business? Use the link below to get started with Fiverr. I'm an affiliate of FIVERR and have used them in the past. They do great work at an affordable price:https://go.fiverr.com/visit/?bta=267474&brand=fiverrhybridAre you ready to launch your own course?Use teachable. It's a platform that I'm an affiliate for. I use and continue to trust them.https://teachable.sjv.io/c/2939662/998787/12646Are you searching for an EHR system to hold your medical records, schedule client appointments, manage insurance and billing, and more?Go with Simple Practice. I'm an affiliate and hands down support the platform. Follow the link below to get started with them.https://www.simplepractice.com/?p=7df8188b5bDoes your counseling practice have a phone system?If you are needing a phone system for your counseling practice, I recommend All Call Technologies. Click the link below, and share that “Juan Santos with Santos Counseling PLLC” referred you.https://www.allcalltechnologies.com/psychAre you interested in starting a podcast?I use and trust Buzzsprout. I am an affiliate and have enjoyed the platform. It is easy to use and comes with lots of supportive internal tools to make the podcast process easy.https://www.buzzsprout.com/?referrer_id=1031693Do you have a website for your counseling practice?I like Bluehost and can provide you with an affiliate link as an affiliate of theirs.https://www.bluehost.com/track/jbsantos/Thank you for listening.Please leave a wonderful review and subscribe.Visit http://acounselorsjourney.com/be-a-guest/Watch the episode on the YouTube Channel: https://www.youtube.com/channel/UCpH3QleIl-DNDklzoNSvbTAVisit the website: http://acounselorsjourney.com/Visit the website:santoscounseling.com/Support the show (https://www.buymeacoffeeSupport the show

On this episode we discussed the violent protests at Sandwith St. in Dublin 2 against a makeshift asylum seeker encampment. Many branded the protesters far right scum, while others said they can understand the protests.

Bo and Blake talk college football and recruiting in the second hour of the show live in the BankPlus Studio. Bo discusses some interesting recruiting and development numbers that highlight the best, and worst, programs in college football at sending players to the NFL. The guys discuss the SEC programs that have excelled at taking three and four star players and sending them to the NFL Draft. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is a whirlwind tour through Dante's whirlwind of the sins of the flesh. We'll meet the Hoarders and the Wasters, the Gluttons, the Wrathful and the Sullen, and, of course, poor, pathetic, lustful Francesca and Paolo.  If you are reading along, we'll be considering Cantos V through VIII. Here is the version of the text we are using for this course:  The Divine ComedyAlso, I found a nice animated treatment of The Inferno that you might want to watch.  Check it out here.The music in the introduction and close of this podcast is provided by George Sarah.This program of mystagogy is hosted by the Adult Faith Programs at Saint Stephen Martyr Church in Chesapeake, Virginia.

Head to www.lashbossradio.com to submit a topic request or nominate a guest Let's continue the conversation! Connect with... The post 145 – Biggest Money Wasters in Your Lash Business appeared first on Lash Boss Radio.

Morning Conversation – What is something you waste money on?

In this concluding episode of the series on DESTINY, Dr Obed Obeng-Addae answers nagging questions on the mind of his inquisitive listeners. Practical insights for a life of heavenly relevance and cosmic significance are brought to the fore in this final episode. Be inspired as you listen.

There are patterns that run through families and people groups that influence the lives of individuals connected to them. How can the positive influence of these patterns be harnessed to advance one's potential? What must be done to mitigate their negative effect? In this episode, Dr. Obed Obeng-Addae reveals the wisdom needed to break the barriers and limitations associated with human races, lands and people groups. He further brings great insight concerning the Volume of the Book pertaining to every man's destiny.

Many live lives of natural or physical accomplishments yet are deeply unfulfilled and empty within; this is the estate of men who miss out on the inward call of purpose. Dr. Obed Obeng-Addae distinct living and merely existing from a spiritual plane. This episode elucidates why men live lives that have no significance to the cosmos and how this error can be rectified. Also, the essence of the Book of Wanderings and the influence of evil decrees are brought to light.

Our world is structured with principles that make life fulfilling and meaningful. Love and Death are two principles of life that begs the understanding of many a man. Dr. Obed Obeng-Addae throws light on why Love is the greatest matter before the foundation of the world. He further demonstrates why Death is the greatest matter from the foundation of the world. In this teaching episode, the unique categories of souls that traverse the earthly course are made plain for the diligent learner to understand and take their place in destiny.

Are men assigned unique roles on earth? Do people come into the world with unique endowments? Is there a life prior to the womb? Why did I come into the world as human and not a tree or animal? Why do men despite natural accomplishments live unfulfilled lives here on earth? How do I arouse the latent potential of destiny lying dormant in my spirit? These and many more questions on DESTINY do Dr. Obed Obeng-Addae bring succinct answers to in this episode of the podcast.

Dr. Obed Obeng-Addae in this episode brings clarity on the subject matter of DESTINY. He establishes the dimensions of destiny; expounds on predestination and delineates on the principle of foreknowledge. He brings good understanding of the role of the individual, Divinity and the universe in bringing to pass a man's destiny in time.

A deliverance series.

May Almighty God separate you from evil persons in Jesus name.

Battle of destiny series.

This isn't about being a victim. It's about being a victor. Some chapters in this novel involve graphic depictions of sexual assault and abuse. If you or anyone you know need help, please contact: RAINN The National Sexual Assault Telephone Hotline 800.656.HOPE (4673) More information can be found at: www.online.rainn.org This novel is not endorsed by or affiliated with RAINN, but they are doing amazing work every day for survivors and offer a plethora of useful resources. You can find me on Twitter and TikTok: @DarkDorothyG You can contact me at DarkDaysOfDorothyGale@outlook.com Alternately on Twitter, TikTok, and IG: @TheOrdinarySun If social media isn't your jam, check out the official website! https://www.DDofDG.com I'm not doing this to make money, and I'm not asking for any. But if for some reason you want to support me as an artist, you can by going to https://buymeacoffee.com/OrdinarySun... It's cool if you don't. I'm happy to do this either way. Thanks for listening. I love you all. Music for Darker Days of Dorothy Gale, “The Darkness Remains” and “Darkness Undone”, was created, and performed by Mariano G. Romero. Additional mixing and sound design for “Darkness Undone” by Tyler Martinez.

In this replay of one  of our most popular episodes, Meg — a former University of Chicago Booth admissions committee member and current SBC admissions consultant — joins Erika to discuss some of the biggest things they see MBA candidates wasting their precious time on during the application process. They address: Their most-hated question MBA candidates often ask *Why* it doesn't make sense to worry about certain things in the admissions process What applicants' time is better spent on What waitlisted candidates should do (and not do) to strengthen their position  The pros and cons of MBA message boards What MBA candidates should do if/when they find themselves filled with doubts

Forget to cancel a subscription or fail to get gas where it's cheaper and you're out a few bucks. But don't pay attention to some big money wasters and your finances can really take a hit. We'll talk about them today on MoneyWise. Okay, today we're going to tell you some ways you can waste a lot of money. Of course, the idea is that if you know about them, you won't do them. The Wall Street Journal did a survey of several personal finance experts, authors, and even a Nobel Prize winning economist to find out what they considered big money wasters. The first one they named is something they called compensatory purchases. That's a fancy name for keeping up with the Joneses. And it's anything you spend money on to make other people think you're successful. But in reality, you're doing it because you don't feel successful. Compensatory purchases would include luxury goods and high end clothing with visible logos to indicate you have money and status. But the experts pointed out that these can include small-ticket items purchased over and over like designer coffee. Another big ticket money waster is buying too much house. One of the experts explained that peoples' thinking about big houses hasn't caught up with technology that enables us to live comfortably with less space. Take large, elaborate kitchens for example. Readily available prepared foods have made them obsolete. But what the experts didn't say is that pre-packaged food items can also be a money waster. Another example of buying too much house is having a rarely used room, an extra bedroom that sits empty most of the time, or the workshop in the basement gathering dust. Or space for bookshelves when we have e-books that take up no space at all although maybe it's not as much fun to curl up with a Kindle. For one expert, a big money waster was buying a new car, at least for many people and especially if you're just trying to impress someone. You'll have to work two to three months just to make the payments and insurance. A better option for many people is a dependable late-model vehicle with low mileage. If you simply must have that new car smell, you can now buy it in a can and make any car smell brand new for around 10 bucks. But we always point out that buying a new car is fine if you can afford it and plan to keep it for many years. It's especially fine if you can buy it with cash. As we like to say, if no one bought new cars, we soon wouldn't have any cars at all. Of course, with today's high interest rates and sky high car prices, it's more important than ever to buy a car for practical reasons, like affordable, dependable transportation. Okay, the next money waster is a touchy one for many parents. It's spending money on adult children for things they should be paying for like keeping them on your car insurance or cell phone plan. If you no longer need a family plan and an individual one is cheaper, you're just wasting money. The experts also mentioned over-scheduling younger children with too many expensive activities. Better to have the kids focus on one or maybe two things they really enjoy because the cost of extracurricular activities and transportation to them continues to rise. Some of you may be old enough to remember playing sandlot baseball or football with the neighbor kids when you were young. And while that sort of thing still happens, for the most part we live in an age of organized sporting activities a lot of them so choose carefully. And speaking of physical stuff, you want to avoid getting a gym membership unless you're absolutely sure you'll use it. Otherwise it's just another money waster. Having an unused gym membership has been described as the failure to recognize future laziness. Another money waster? Unplanned trips to the grocery store. That's when you go in thinking you just need to grab one item but you end up spending $100. Also mentioned were pre-packaged sugary snacks that could easily be replaced with something less expensive like an apple, better for your wallet, and your waistline will thank you. On today's program, Rob also answers listener questions: ● If you buy a second house, can you recast your mortgage? ● How can you dig out of debt on a limited income with a special needs child? ● How do you determine what to do with a home passed on from a deceased parent? ● Is bankruptcy an acceptable option for a Christian? RESOURCES MENTIONED: ● Christian Credit Counselors ● Connect with a MoneyWise coach Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Forget to cancel a subscription or fail to get gas where it's cheaper and you're out a few bucks. But don't pay attention to some big money wasters and your finances can really take a hit. We'll talk about them today on MoneyWise. Okay, today we're going to tell you some ways you can waste a lot of money. Of course, the idea is that if you know about them, you won't do them. The Wall Street Journal did a survey of several personal finance experts, authors, and even a Nobel Prize winning economist to find out what they considered big money wasters. The first one they named is something they called compensatory purchases. That's a fancy name for keeping up with the Joneses. And it's anything you spend money on to make other people think you're successful. But in reality, you're doing it because you don't feel successful. Compensatory purchases would include luxury goods and high end clothing with visible logos to indicate you have money and status. But the experts pointed out that these can include small-ticket items purchased over and over like designer coffee. Another big ticket money waster is buying too much house. One of the experts explained that peoples' thinking about big houses hasn't caught up with technology that enables us to live comfortably with less space. Take large, elaborate kitchens for example. Readily available prepared foods have made them obsolete. But what the experts didn't say is that pre-packaged food items can also be a money waster. Another example of buying too much house is having a rarely used room, an extra bedroom that sits empty most of the time, or the workshop in the basement gathering dust. Or space for bookshelves when we have e-books that take up no space at all although maybe it's not as much fun to curl up with a Kindle. For one expert, a big money waster was buying a new car, at least for many people and especially if you're just trying to impress someone. You'll have to work two to three months just to make the payments and insurance. A better option for many people is a dependable late-model vehicle with low mileage. If you simply must have that new car smell, you can now buy it in a can and make any car smell brand new for around 10 bucks. But we always point out that buying a new car is fine if you can afford it and plan to keep it for many years. It's especially fine if you can buy it with cash. As we like to say, if no one bought new cars, we soon wouldn't have any cars at all. Of course, with today's high interest rates and sky high car prices, it's more important than ever to buy a car for practical reasons, like affordable, dependable transportation. Okay, the next money waster is a touchy one for many parents. It's spending money on adult children for things they should be paying for like keeping them on your car insurance or cell phone plan. If you no longer need a family plan and an individual one is cheaper, you're just wasting money. The experts also mentioned over-scheduling younger children with too many expensive activities. Better to have the kids focus on one or maybe two things they really enjoy because the cost of extracurricular activities and transportation to them continues to rise. Some of you may be old enough to remember playing sandlot baseball or football with the neighbor kids when you were young. And while that sort of thing still happens, for the most part we live in an age of organized sporting activities a lot of them so choose carefully. And speaking of physical stuff, you want to avoid getting a gym membership unless you're absolutely sure you'll use it. Otherwise it's just another money waster. Having an unused gym membership has been described as the failure to recognize future laziness. Another money waster? Unplanned trips to the grocery store. That's when you go in thinking you just need to grab one item but you end up spending $100. Also mentioned were pre-packaged sugary snacks that could easily be replaced with something less expensive like an apple, better for your wallet, and your waistline will thank you. On today's program, Rob also answers listener questions: ● If you buy a second house, can you recast your mortgage? ● How can you dig out of debt on a limited income with a special needs child? ● How do you determine what to do with a home passed on from a deceased parent? ● Is bankruptcy an acceptable option for a Christian? RESOURCES MENTIONED: ● Christian Credit Counselors ● Connect with a MoneyWise coach Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Today, we're extending the conversation about sneaky energy wasters by diving into how grudges & drama can put us into a negative headspace, lower our vibrations, and get in the way of living a life that makes us dancing-in-the-grocery-store-aisles-kind-of-happy! First, we identify how grudges & drama negatively impact us, and then, we dive into how to navigate them in ways that are empowering. Never ever forget that your time and energy is precious. Protect it & yourself.

News that 70% of Los Angeles teachers have seriously considered quitting sparks a conversation on the Morning Show with Nikki Medoro about paying them more, as well as the best ways to deal with stress...a Stanford neuroscientist suggests a double inhale through the nose, and Kim McCallister's daughter demonstrates her stress management through song. Also, with dire drought conditions hitting the state, some perpetual water wasters will be hit with mandatory flow restrictors...is this a good idea?See omnystudio.com/listener for privacy information.

Today, we're chatting all about sneaky energy wasters! Let's be real, when stress and overwhelm set in, sometimes we don't even realize that our time/energy is being wasted. And with all the places that we want to go and all the things that we want to do in this life, you and I don't have time for nasty thought patterns & habits that don't serve us! So, listen in to hear all about two ways that you might be wasting energy AND two ways that we can navigate those seasons or moments when we do. *** Publishing House Instagram: @pwhpublishingWebsite: www.powerwithinherpublishing.com Intro to Writing Your Non-Fiction Book Course 

Las Vegas has published a list of the biggest water wasters in their city, which includes Mike Tyson, Floyd Mayweather, and more. Do you think they're wasting water, or should they be allowed to use as much as they want?

Things are getting out of hand! Tune in to hear my thoughts on the new microchip payment option, how social media is lying to you (and taking your paycheck too), and 10 things you can declutter from your home today.   In this episode: ·      The Creepiest New Payment Method ·      The Top 10 Money Wasters in Our Houses with Minimal Mom ·     The Biggest Housing Trap You Should Be Avoiding   Helpful Resources: ·       The Minimal Mom on YouTube Christian Healthcare Ministries   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Christian Healthcare Ministries.

We've narrowed down the list of the top Chris Hawkey wastes of money of all-time to the Expensive Eight. What will the rubes say? Plus a review of the Clink Malarchuk interview.