Podcasts about Account

Welcome back to Fraudology.It's just me for this episode, but I've got two stories to dig into. They are genuinely important for anyone dealing with chargeback disputes. Whether you're on the merchant side or the banking side.The first is Uber and the nearly billion dollars in fines for automated account deactivation. The second story is the story that I really want to unpack. Hims and Hers blowing past their chargeback threshold on their weight loss subscription business.It's rare that this stuff becomes public, and I think there's a lot merchants can learn from it. I know a lot of companies leaning on AI right now to cancel buyer or seller accounts. We will walk through the math on chargeback fee per dispute, what's actually driving these disputes, and what I'd tell these businesses if they were my client.What you'll hear:Why Uber's near-billion-dollar GDPR fine over automated account deactivation AI should matter to any company using AI to cancel buyer or seller accounts, not just ride-share platforms.How Visa's acquirer monitoring program actually works, including the chargeback threshold merchants need to stay under and the real dollar cost once they don't. A full breakdown of the Hims and Hers chargeback situation, including the FTC lawsuit, Restore Online Shoppers Confidence Act violations, and real customer complaints pulled from public FOIA records.How I'd approach chargeback root cause analysis if this were a client, from subscription billing practices to refund policy gaps.Real examples of merchants using generative AI chargeback response tools, including one who took their chargeback win rate strategies from a 40% to 65% win rate.Why dispute monitoring program penalties go far beyond the per-chargeback fee, and how they can affect your relationship with your payment processor.How to calculate the true cost of a chargeback, including fees, fines, operational costs, and the merchant reputation and chargebacks damage that doesn't show up on a balance sheet.A reminder that subscription chargebacks are almost always a symptom, not the actual disease, and what usually causes them. You should listen to this episode if you:Are a merchant, especially recurring or subscription-based businesses, currently on or worried about landing on Visa's acquirer monitoring program. Are a fraud, risk, or payments professionals who want a practitioner's breakdown of what actually drives chargeback disputes. Are using or considering AI to automate account decisions, cancellations, or chargeback responses. Are a banking professional curious about the ecommerce and merchant side of dispute management. Are a business leader weighing whether an aggressive subscription or cancellation policy is actually saving money, or just deferring a bigger cost.

Guest Host Dave Campbell catches up with Dante from The Road Team Instagram account for one of the most unusual challenges in the CFL this season — eating a whole lemon every day until all nine CFL teams record a win. Unfortunately for Dante, the lemon-eating streak is still alive thanks to the Ottawa Redblacks, who have yet to get into the win column. Dave chats with Dante about how the challenge started, how the lemons are holding up, and just how long he's willing to keep eating them while waiting for all nine CFL teams to win a game. With the CFL season rolling along and the pressure mounting, the conversation brings plenty of laughs while highlighting the unique fan culture, rivalries, and storylines that make Canadian football so entertaining. Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode, I'm joined by Mary Holland Nader, former Wall Street wealth manager and founder of Mary & Pip, to discuss overcoming money insecurity, building wealth, and why the biggest flex is what's in your investment account. We dive into how the way we grow up can shape our money mindset, overcoming the fear of investing, and why women should feel empowered to take control of their finances. Plus, Mary shares her weekly money ritual for freelancers and creatives, how to make financial wellness feel less intimidating and more approachable, the basics of investing and Roth IRAs, and why women shouldn't feel like they need to choose between being multifaceted and being taken seriously. Whether you're just starting to invest, navigating an unpredictable income, working toward financial independence, or looking to completely transform your relationship with money, this episode is packed with practical advice and empowering insights. Enjoy!To connect with Mary Holland Nader on Instagram, click HERE.To connect with Mary Holland Nader on Tiktok, click HERE.Listen to Mary Holland Nader's Podcast, Growing Interest, click HERE.To check out Mary and Pip, click HERE.To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Visit www.sleep.me/dreambigger to get up to $255 off your Chilipad 2.0 with code dreambigger. This special offer is available for Dream Bigger Podcast listeners – and only for a limited time! Order it today with free shipping and try it out for 30-days. You can return it for free if you don't like it with their sleep trial. Visit www.sleep.me/dreambigger and never wake up hot and tired again.Right now, you can save up to $230 on the 12 piece cookware set vs buying the products individually. And you can find even more set savings when you shop Caraway's full Kitchenware collection. Visit Carawayhome.com/BIGGER to take an additional 10% off your next purchase. This deal is exclusive for our listeners, so visit Carawayhome.com/BIGGER or use code BIGGER at checkout.Visit www.lilysilk.com/dreambigger and use code dreambigger for 20% off your LILYSILK order.Get $25 off your first purchase when you go to TheRealReal.com/dreambiggerVisit coyuchi.com/dreambigger for 15% off your first purchase of the most comfortable bedding you'll ever own. That coyuchi.com/dreambigger. Some exclusions apply.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Emmitt Smith returns to reveal how he grew a personal CFD account from $98K to $500K in 7 months, and why he is now completely against prop firms. Full episode + show notes: https://tradingnut.com/emmitt-smith-3/ Key moments - [01:03] Flipping tiny accounts ($5 to thousands) is highly unrealistic due to margin limits. - [02:41] Risking 5% to 8% per trade requires a massive psychological tolerance and acceptance of 'crash out' days. - [03:29] Aim for a 1:3 risk-to-reward ratio with a realistic win rate of 45% to 55% to remain mathematically profitable. - [05:13] A two-part breakout entry system: wait for the breakout, then wait for momentum beyond it, sacrificing 10-30 points to avoid fakeouts. - [11:43] Prop firms squeeze traders with rules like consistency and trailing drawdowns, making it statistically harder to extract money. - [13:53] If a $100k account has a 10% max drawdown, you only have a $10k account. Save up for your own $5k personal account instead. - [15:13] If you only have $1,000 to trade, stay in the workforce and save more capital rather than risking emotional trading on tiny accounts. - [19:21] Strategy must come first to build the data that eventually cures your psychological trading issues. - [28:18] Move your stop loss to break even at 1.5R, then let it run to a fixed 3R target. Watch: https://www.youtube.com/watch?v=KoBYTGIvhb8 --- Sponsors BlackBull Markets - 100% deposit bonus & free TradingView — NZ-regulated broker. https://tradingnut.com/go/blackbull/ PropFirmMatch - Find the right prop firm challenge — PropFirmMatch.com https://tradingnut.com/go/pfm/ --- More from Trading Nut Strategy Vault - Free guest setups organised by market & method. https://tradingnut.com/go/vault/ TraderZen - Free trade control & mindset app for active traders. https://tradingnut.com/go/traderzen/ Dynamic Traders Club - Free 7-minute rule strategy — mechanical intraday setup. https://tradingnut.com/go/dtc/ --- Educational only - not financial advice. Risk: https://tradingnut.com/disclaimers/ Some links are affiliate partnerships.

The crew react to Tua forgetting to log out of his burner on social media. Who in Boston is most likely to have burner accounts on social media?

Welcome back to No Tippy Tappy Football, brought to you by BoyleSports.This week, Natalie Pike is joined by Kevin Nolan, standing in for Sam Allardyce, with former Everton defender Alan Stubbs returning as our featured guest.It's a huge Everton focused episode as we assess David Moyes' transfer window, the strength of the current squad and what success should look like at Goodison Park this season.We also discuss Harrison Armstrong, Iliman Ndiaye's move to Manchester City, Wayne Rooney's flourishing media career and whether Everton have done enough to challenge for European football, or whether it's more a relegation battle on their hands.There's plenty of Scottish football discussion too, with Celtic and Rangers both under the microscope after their European disappointments. Could the Old Firm really join the Premier League? And why does Wayne Rooney support Celtic?Plus, the trio discuss Enzo Fernandez's £125m move to Manchester City, Chelsea's chances of challenging Arsenal for the title and whether Liverpool's transfer window deserves scrutiny or praise.0:00 Intro02:00 Harrison Armstrong's going to be an outstanding player for Everton16:00 Wayne Rooney's media career flourishing18:15 Iliman Ndiaye's move to Man City22:15 What is success for Everton this season?29:50 Celtic's season so far - Disaster in Europe32:00 Rangers not a powerhouse anymore34:15 Rangers and Celtic to join the Premier League35:17 Why Wayne Rooney supports Celtic38:04 Enzo Fernandez signs for Man City43:40 Liverpool's transfer window under scrutiny47:10 Outro#Everton #NoTippyTappyFootball Make sure you Like, Comment & Subscribe & turn on notifications so you know when a new episode drops.

Key account management (KAM) is one of the most impactful strategies for driving sustainable business growth, particularly in professional services and technology sectors. In this episode of the show, I welcome bestselling author and LinkedIn Top Sales Voice, Amy Franko, to discuss best practices and common pitfalls in key account management. We explore how sales professionals can strategically differentiate key accounts, build robust relationships, and design actionable plans that propel long-term organizational success.   Outline of This Episode  00:00 Building mutual value with clients 05:27 Account strategy versus selling tactics 08:33 Importance of stakeholder mapping 11:43 Choosing and using CRM tools 14:15 Emphasizing simplicity and accountability 16:22 Advisory intelligence and client focus 19:31 Strategic account planning at trade show   Defining Your Key Accounts Limiting the definition of a key account to revenue figures is short-sighted, your key accounts should be identified by a blend of factors such as strategic fit with your business, alignment to your ideal client profile (ICP), influence in the market, growth potential, and—crucially—mutual value creation. This last component is often missed, it's not enough to deliver value to the client; the engagement should have reciprocal benefits that strengthen the partnership. A frequent organizational misstep is treating all customers as key accounts, which Amy warns only dilutes the effectiveness of key account management and adds unnecessary complexity. Focusing your energy and resources on accounts that are genuinely key to your organization drives profound impact.   Strategic Upleveling The move from an individual seller to a strategic account manager demands a fundamental shift in approach. While sales motions and traditional deal-closing actions retain importance, KAMs have to elevate their focus to see the bigger picture — developing multi-faceted relationships, engaging in more sophisticated conversations, and aligning more deeply with the client's broader business objectives.    Building a Key Account Strategy Anchored in the ICP An actionable key account strategy is predicated on having a well-defined ideal client profile. Organizations should first understand what their best customers look like before aligning accounts to that blueprint. This strategic groundwork enables clarity in which accounts warrant intensive resource allocation and which do not. Only after this strategic foundation is laid should tactical sales and marketing motions come into play. Integrating both functions ensures your organization is not only selling effectively but also shaping market perception and continually nurturing the account for long-term partnership.   Stakeholder Mapping is the Linchpin of Success Knowledge of stakeholders across multiple layers and departments within a client organization is non-negotiable. You need to be mapping who the decision makers, influencers, and advocates you interact with are. Advocates, or champions, are vital because they support your initiatives internally, provide access and intelligence, and help de-risk account dependency by ensuring that you're not reliant on a single relationship. Sometimes, your team's understanding of a client can be limited by assumptions or blind spots. Bringing in external perspectives—whether from a coach or a fresh pair of eyes—can help uncover missed relationships and figure out where the real decision-making power lies.   Resources & People Mentioned  Myke Macapinlac on LinkedIn  The Modern Seller by Amy Franko    Connect with Amy Franko Amy Franko  Amy Franko on X    Connect With Paul Watts  LinkedIn Twitter    Subscribe to SALES REINVENTED Audio Production and Show notes by PODCAST FAST TRACK https://www.podcastfasttrack.com  

Most account managers wait for upsell opportunities. Mark Kosoglow and Armand Farrokh break down how great AMs create expansion pipeline by proving value, owning executive relationships, and systematically finding whitespace across their accounts.

Tiff and Pam talk about the current intersection of technology in the practice, and how using and understanding AI as a tool for busywork means you can focus on the tasks that really need that human touch. They talk about why training AI could be just as critical as training humans, where to look first when incorporating the software into your practice, how a staff member can serve as quality check for automated tasks, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello, Dental A Team listeners. This is Tiff back with you here on the podcast. And we are in the studio today. I have myself and I have Miss Pam with me. And Pam is one of our prize possession consultants here at the Dental A Team. We have had Pam on our team for a little while now. And if you are special enough and blessed enough to work with her, you know exactly who she is and you have some solid foundational systems. Pam is a systems guru. She busts them out.   And she holds accountability like I've never seen before. And when she learns something, she learns it forever. And I love getting to watch you, Pam, progress in your Dental A Team journey. I watch you like taking notes all the time on the systems that we, you know, hold tried and true. Yesterday Dana was talking about a couple of systems during our collaboration and I was like, gosh.   She's just over there feverishly writing and I love it because I know exactly what's gonna happen. You're gonna like go back, you're gonna relearn   Pamela (00:54) I was. Yes, I was.   Tiffanie (00:58) it, and you're gonna teach it. And it was just really cool. So I love that, Pam. Thank you. And I love that you have these skill sets that you're able to then take and you help so many practices implement the same skill sets, like not just our systems, but how to retain it. You know how you retain it.   But then you're also looking for how are other people retaining the things that they're learning so that you can help them grow in their learning as well. So it's just really cool to watch, Pam. Thank you for everything you do and thank   Pamela (01:27) Thank you.   Tiffanie (01:28) you for being here today. How are you?   Pamela (01:31) you know, I'm doing fabulous and thank you. I appreciate all those kind words, Tiff. That was very nice. I think it's a unique and great time to be in dentistry. So v we've seen a lot of changes over the years and now we're to a stage that is changing very, very quickly.   Tiffanie (01:50) I agree. I I love that you said that, Pam, because something that I think we've said in dentistry for a long time is that dentistry is really progressive in a lot of ways. I think there's a lot of things in dentistry that haven't changed and haven't progressed, like Rick canals, things like that are still being done similarly to how they were thirty years ago. But so much in dentistry is so progressive and it's changing all the time. But I I think we've always said that. But I think in the last five, six years that has   Like us saying that before doesn't even make sense anymore. Like the progression we're seeing now is wild.   Pamela (02:26) It's it's crazy. you know, I was thinking about this, and there are so many systems that we have done for years that we're not perfecting, right? That we still could perfect and are in addition to any AI stuff we have. But the interesting thing is is that now something that has been in scarcity our entire human existence or now or soon will become like an abundant commodity, which is intelligence, right?   Tiffanie (02:53) Yeah. Yeah.   Pamela (02:55) So   I think that it's really wild to be thinking about that intelligence is a commodity and we can buy it.   Tiffanie (03:03) Yeah, I think that's amazing. That was a great perspective. And you are not wrong. I listen to a lot of   Pamela (03:07) Yeah.   Tiffanie (03:09) podcasts and I know you do too that speak to that same thing. And I think both of our households house many conversations around that same thing. I think we we share that.   Pamela (03:18) That is so true. It's so true.   Tiffanie (03:22) Yeah. So with that, Pam, I think that's a great start. What are you seeing? expand on that for me. Like what are you seeing as far as I love that like intelligence is is a   purchasable at this point. What are you seeing with your practices or just the research you're doing and the things you're hearing and and listening to within the dental world, narrow that down for us. What are you seeing from your perspective how that's changing dentistry?   Pamela (03:48) Yeah,   well I I think the the question is is how do we react to that reality, right? And a lot of practices are have not gotten into the AI and are now saying, okay, I want my insurance verification done, I want, you know, RCM done, the revenue cycle management done by AI, but it is a little daunting. Right? It is like I had one practice say   yo well we have this company that's doing our RCM and and I said do you are you like what are you doing with it and they said nothing they do it and I'm like dear goodness gracious like there are you have to manage it unfortunately I think we're at a real a space where we're not the Ironman like Jarvis runs everything   Tiffanie (04:43) Yeah.   Pamela (04:43) you know stage we're at the   Alexis and we have a lot of really smart AI tools. Most of them, I'm well, they're all sitting on top of separate systems and what we are contributing. I don't think we're pardon me quite to the point where it's an operating system as opposed to, you know, pieces. So I'm seeing practices now take those pieces, try to learn them, and then develop their skills even more in the stuff that they were doing.   So what I mean by that is how are we, how are they actually doing at clean claims, right? Are they   Tiffanie (05:23) Yeah.   Pamela (05:24) getting the clean the claims clean before they send them in? how are they doing on you know managing the online scheduling? Are they reacting to that? And is all the patient's insurance information accurate before it goes to the AI?   So that's that's what I'm seeing. That's a s a little bit of a struggle.   Tiffanie (05:47) Yeah. I think something you pointed out there was that a lot of people a lot of people seem to be jumping headfirst and just like handing the keys over rather than allowing it to be a tool that they use still with oversight. And I noticed recently, even just on my chat GPT that I use down at the bottom, it's like, Hey FYI, these may be inaccurate. Like this is not to be taken as truth. Yeah. And I'm like, well   Pamela (06:11) Yes, I j I saw that, yeah. So true.   Tiffanie (06:16) We need that reminder though, kind of like the McDonald's coffee cup that now has, you know, since nineteen ninety or whatever it was, says that the contents are hot. Like humanity needs those reminders 'cause I think we're so it's like a it's a catch to me too, 'cause I do think we're so quick to jump onto things and try them. But   Pamela (06:34) Mm-hmm.   Tiffanie (06:34) at the same time we're like second guessing and   thinking we can't and thinking they don't work, but we do latch on to certain things where we're just like, wait, that was expected. I expected to be able to drink my coffee as soon as you handed it to me. You know, that it wasn't gonna be scalding hot, that I could just just go. And same with the AI. I think there's so many aspects of it that we just expected all of the truth to be on the internet somewhere. We've been primed that the truth is on the internet and   we just expected it to be true that now chat is like, hey, wait a second, like, hey, I'm just like your buddy who did the research online, the same as your friend next door. Like this   Pamela (07:09) Right.   Tiffanie (07:13) could be wrong. And I think it's an interesting thought because to your point of view, handing over your cycle management, your your revenue and all of that data, handing that over to AI and expecting it to just be perfect from here on out with no mistakes is wild.   Right, but we're doing it. So many of us are doing it. Similarly to the online scheduling. I know we have a lot of practices and we have some doctors that have spoken for us at our events. we had one last September that our doctor focused on AI, and she pointed out the facts of needing to train their AI the same as they're training a human. Like you get a   Pamela (07:51) Yeah, yes. Yes.   Tiffanie (07:54) result and you're like, you got that result, you're fired, you're done, we give up.   You say, actually,   Let's tweak it to be what we want it to be. So we're saying yes and okay, cool. And let's do it this way. Let's move it this direction. with that statement, you also said insurance verifications, making sure they're accurate. And it made me think too, we've always said, you know, good information in is good information out, bad information in is bad information out. And I think   That's the same with any of it, with any of the AI tools or any of it, right? The it can only scour the internet for so much information and find so much truth. With the good information in, that goes as far as everything. So whatever it is that we're asking and training these systems and these tools to produce is what we're going to get. So we're not spending the time with the AI and we're not spending the time saying, This is the result that I want, this is how I want you to get there.   we're doing a disservice to ourselves just the same as so many people we were just talking about this. So many people are still misusing or underutilizing tools that we've had for gosh, at this point I always say 30 years, but at this point I think it's going on like 40 years, right? Like we've had these tools for   Pamela (09:12) Exactly, yeah.   Tiffanie (09:14) a long time. We're still   Pamela (09:16) Yeah.   Tiffanie (09:16) misusing them because I know both of us have walked into offices where they're like changing the prices in the treatment plan.   And they're doing all this math and there's a calculator. I still have offices that have the calculators that have the tape, and I'm like, where are you even where do you buy the tape anymore? Right. But they do, they have this running tab. And I'm like, what are you doing? And they say, Well, it's never right. We always have a balance. And I'm like, Okay, this is like a band-aid fix, right? So no matter what technology you have, there's so much tech that saves us so much time. And that's the point of this conversation is what kind of tech is out there that can   save our team   Pamela (09:52) Mm.   Tiffanie (09:53) time. And a lot of that time is for the administrative team, gives them the the chance to do other things, right? So automating things gets rid of busy work, allows them to do other things. But if we're not utilizing the tool correctly from the get-go, it's not saving the time because we're going back and fixing it anyway. So maybe we're saving time on we have an online scheduling app and it works. So our team maybe doesn't have to answer as many new patient calls.   But then that same person is over here calculating by hand a treatment plan estimate. It's like, cool, well, we just like took nonsensical   Pamela (10:28) Yeah.   Tiffanie (10:29) time and put it into a nonsensical time suck again. So, Pam, how   Pamela (10:33) Yeah. Yeah.   Tiffanie (10:35) are you helping the chain offices to really utilize the tools to actually save the time? And when they're not, so like that situation, how do we how do we get to the bottom of it? Because for me,   When I see somebody calculating treatment plan estimates because they always have a bill at the end, I'm like, cool, that's like a band-aid over this massive gash on your arm and it stopped the bleeding   Pamela (10:59) Mm-hmm.   Tiffanie (11:00) in that one spot, but it's not fixed. Like you still need stitches. How do we get to the bottom of it? And how do you help practices really figure out what truly is going to save them time and how they can get there?   Pamela (11:14) Yeah,   I think it goes back to basics. Before we layer on that AI piece of it, we have to have those basics in place. And you're right, there are a lot of practices and you know that are struggling with that. They're still doing things by hand. So, you know, have going back to the basics and having that correct verbiage, I think, is super important. to with the patient of knowing that.   There may be, it is an estimation, and there may be a difference when once your insurance pays. And you can offer to the patient, you know, if you would like to call, I don't like doing predeterminations, pre-D, I'm kind of against them. A lot of people still do them for larger treatment. I understand that. but for if you are to, you know, tell a patient, look, if if it's a credit.   we will get that credit right back to you within the month, right? have   Tiffanie (12:12) Mm-hmm.   Pamela (12:13) some sort of verbiage that gives you a little bit of out, but also be confident when you're prevent presenting those numbers if you've done the homework. So I think that's where it goes is back to the basics, making sure the basics are correct before you, you know, are giving that treatment plan to the patient. And then your verbiage is super important. And trusting it.   Tiffanie (12:36) Yeah, I totally agree.   And trusting it exactly. Being able to trust the system is huge. So making sure I think you're you're like spot on back to the basics, right? So making sure your verbiage is in line and making sure that the information that we're putting into the computer system is as accurate as possible. And you can use AI tools for that too, right? So we have   Pamela (12:55) Right. Right.   Tiffanie (12:56) AI tools this day and age that do insurance verifications and they upload it into the system.   They do all of the pieces. But then again, back to what we said earlier and how you said like this practice is like, we don't even look at it, right? Same thing. Like if you're if you're paying for an AI bot to go scour, get the information, put it into your system, and then you're turning around and you're like, well, it's always wrong, right? I I always have a balance or a credit. And so I calculate it just to double check, like, okay, maybe we need to look to see.   Further back, where is that miscalculation coming from? Because the insurance data in the system, the patient's data in the system, the right fee schedules, all of those pieces are feeding the tech and the intelligence, the information that it's spouting out to you. So it can only do so much. So if you've   Pamela (13:47) Right.   Tiffanie (13:48) got, you know, you didn't mark the you didn't you didn't tell the bot that you needed to mark that there was a downgrade. So you're you're having   crowns come back and there's two hundred dollar balance because it was downgraded, right? Well, stop hand calculating that and tell the bot to do it differently. Tell the system to do it differently. Whatever your system   Pamela (14:06) That's right. That's right.   Tiffanie (14:08) is, there's a little button somewhere that you you click it and it says downgrades, right? Account for downgrades, etc. So utilizing those tools from the ground zero, I think is just massive and it's something that's been severely underutilized for a really long time.   that needs to be right first. Because then if we go in and we layer these AI bots on top of that, that data is what they're working with. Just like Dentrix can only give you a treatment plan based on the information that you put in there. You put the fee schedule, you put the percentages, you put the treatment plan. You did all the buttons, you clicked and you put the treatment plan. It spouts out these numbers based on the information you put in it. The bot's going to do the same thing. So I think that's our soapbox bot.   Pamela (14:55) yeah.   Tiffanie (14:55) situation there,   like we go on forever. Go for it.   Pamela (14:59) Yeah, no, I I agree and a lot. a lot of practices are struggling with this and they're because they're getting this AI and saying, Hey, it's not worth it. Like I'm still having to call the insurance company, I'm still having to, you know, calculate by hand, right? And I think it it does go back, like we said, to the basics and really digging down on that. And I mean continue to use AI, but like you said.   it's so interesting. You have to teach it, right? And you may not be able to look to say, this is the exact to the penny downgrade amount, but once you have taught it, you do need to trust it. Yeah. Yeah.   Tiffanie (15:40) Yeah, I agree. I love   it. Okay, what kind of tools? I've I've got a few, you know, that I'm I've been seeing the online scheduling, I think, is finally making it headway. It's been a tool that we've had for a really long time, but we've   Pamela (15:55) Yes.   Tiffanie (15:55) all been very afraid of it for good reasons. That's fine. But what are some other tools that you're seeing them implement? So AI bots, like what are what are your practices using them for that people could start looking at?   Make sure their foundations are correct. Start looking into how could we automate some busy work to give my team back time? What are you seeing out there in in dentistry right now, Pam?   Pamela (16:17) Yeah.   definitely the RCM, the revenue cycle management. I think that AI does a really great job with that. But the thing I I spoke about earlier is I the and getting to the root of the problem, if you don't want to have to manage it more, then you have to make sure your claims are clean. And what does that mean? And that's going back to basics, truly, as well. Like, are we taking all the photos? Are we taking   you know, all the blood points when probing. Are we doing are we doing everything we can do to make sure that they have as much information as they have. So I think RCM is kind of the number one I'm seeing. insurance verification, where a lot of practices are moving there. I think there's still a little struggle with that because we don't get the patient information a as quickly. And you know, I think most of the most of them say put it in two days before.   Tiffanie (17:15) Yeah.   Pamela (17:16) Patient communication, so even filling the schedule, right? texting people to say on an ASAP list, you know, those kind of things are being utilized very well. schedule optimum schedule optimization as well. So I think there are programs out there that help you say fill that schedule and say, here's the patients that would work in this hole, right? So I think it's   We have to accept that AI is here, right? so I think very, very to your point is yes, training it, but also yes, we do have to learn it. And it it will be it's one of those things. We're kind of lifelong learners, people in dentistry, because we always have new things coming. And so we have to look at it like this. This is just a a piece to learn, and the more we can learn about it, the better.   that we are gonna get. We can't just be afraid of it. I say dig right in, figure that, you know, whatever you're using, figure it out. Call the company, ask questions, ask the right questions, you know, what what how do I get my insurance verification better? You know, and let them help you and tell you because they know everyone doesn't know. And if you just like one and done, I'm leaving it alone, you're probably not gonna have   as good of experience as you could have with it. Yeah. And so I think doctors   Tiffanie (18:43) Yeah. Yeah, I love those.   Pamela (18:45) need to be a little bit aware aware. It takes time to learn. It's not just plug   Tiffanie (18:50) Yeah.   Pamela (18:50) and play.   Tiffanie (18:51) Yeah. And to piggyback off that, it sounds like making sure we still have KPIs in place, there's still somebody overseeing results, that somebody's still verifying that that employee, right, is doing the job right is key because if we're if we do have an AI bot that's helping with revenue cycle management, and then we're not looking at AR numbers, we're not seeing, you know, our over ninety.   decrease or or is it increasing like we're not watching those KPI points. That's how it gets lost. Just the same as somebody with a great resume comes in and says, hey, I'm gonna clean up your AR for you. Pay me X amount of dollars and we stick them in a corner and never look at it. Right? It's the same thing. So making sure those KPIs are in place. I think there's a ton of AI style tools that have come out for front office administrative work, which makes sense. You know, that's that's where AI   is in the administrative world right now as the recording of this podcast at least but something that I see a lot of practices using too and I think you have a few that are using them the like Pearl and Overjet AI systems for that second opinion at least I know a lot of doctors are liking that second opinion which has helped it's not I I think of it as busy work now but that like co-diagnosing space and really just that confidence   in what I'm diagnosing seems to come across a lot more from the doctors and those tools have been super beneficial as well. So I think there's starting to be this massive shift in the AI tech kind of industry where there is going to be more coming out for the the back office as well. And I think Pam, a lot of insurances are actually using systems like Pearl and Overjet, those AI tools to read x-rays and process claims a lot faster too.   Which to your point then they gotta be super clean. You're okay.   Pamela (20:45) Well, yeah, and and sorry, I totally did not mean to interrupt you,   but that that brings up something that I've thought about and I've heard from practices, a lot of claims are being denied, right?   Tiffanie (20:58) Yeah.   Pamela (20:58) More. I think it's up like by twenty percent over the last few   Tiffanie (21:01) I agree.   Pamela (21:01) years. And that's probably because they are using AI to read the x rays, and   Tiffanie (21:09) Yeah.   Pamela (21:09) there is no way the human eye can be as good as   an the AI assistance, you know, the tech   Tiffanie (21:19) Yeah. Yeah.   Pamela (21:20) the the radiology it it it that is going to become an AI job. So just in general.   Tiffanie (21:25) For sure.   Pamela (21:26) And so reading reading X rays, they're they're proficient. They're they're extremely intelligent at it. And so we need to jump on that bandwagon to make sure that we are seeing everything too. But   yeah, that's   Tiffanie (21:40) Yeah, agreed.   Pamela (21:41) very, very true.   Tiffanie (21:42) Yeah. And the same as the other AI tools, they have their variances as well. And you train those   Pamela (21:47) Mm-hmm.   Tiffanie (21:47) tools too. And you train yourself to see like, okay, well, this variance of that is like that's that's pretty extreme. I'm not like my practice doesn't diagnose that way. Cool, that's a watch for you, right? But at least it's being pointed out and you can compare. You can look at okay, what did last time look like versus this time? Which is super cool because that's not something you can do.   with just our eyes of that kind of comparison.   Pamela (22:11) Yeah.   Tiffanie (22:12) So whether you're diagnosing off of it or using it as a tool to see progress and change, train it, train it and train yourself just the same as you're training your scheduling bots.   Pamela (22:22) I I agree a hundred percent. And it it does have to be managed, right? It it does have to we have to learn it and we have to manage and it i it's just not a one and done. Just yeah. So very sh very   Tiffanie (22:33) Yeah. Yeah. Well, I love it.   There's so much tech to be found. I think some key ones that we can kind of action item here to go explore at least. I love the online scheduling tools if you're not using them yet. I think they're worth it. they weren't always. They have turned a corner. They are worth it. and Pam, I think even the scheduling   bots that answer, you know, new patient calls, things like that are taking over and they're doing really phenomenally. And then I think I would push to make sure your insurance information is accurate. obviously, you know, Pearl or Overjet kind of tools, those are phenomenal too. But I think starting with those scheduling and those insurances, if you're not using those tools yet, I think it's worth looking into because I really do think that revenue cycle management, all of those pieces are   hugely beneficial at this point. So do your homework. Go ahead.   Pamela (23:30) I agree and I think I think   it yeah, do your homework and I think it's exciting what's happening in with the voice activation. I don't think it's quite   Tiffanie (23:38) Mm-hmm.   Pamela (23:39) there yet, but that is something I know dental offices are very hungry for. I know it's a little intimidating, but when it gets better, and I I think it's developed huge amount from when I was in the office because it d had   Tiffanie (23:53) Yeah.   Pamela (23:54) just started. and you know, I think   Offices are really looking forward to that and doctors are looking for their notes to help with their notes, right?   Tiffanie (24:05) Yeah.   Pamela (24:05) So I think those are the two big areas that we want to watch   Tiffanie (24:08) Yeah.   Pamela (24:09) and really keep abreast of what's going on and you know, keep automating and you can do it slow and it shouldn't be intimidating.   Tiffanie (24:18) Yeah, I completely agree. I think slow is fast these days. Everything's changing so much. It's worth it to do   Pamela (24:24) Yeah.   Tiffanie (24:25) your due diligence and make sure that you're using it correctly and to its full extent. So I love it. Thank you so much, Pam. This was a lot of fun. I know that the AI tech world is your jam. you do a lot of introspective work on it and just it's a big conversation topic for you. So thank you for   Being on here with me today and being willing to share your knowledge.   Pamela (24:49) Thank you, thank you. I love AI and I can't wait to buy a robot.   Tiffanie (24:54) Yeah, no right. That's what a our   we have an almost 13-year-old in the house and he's ready to buy one, ready to build them, ready to go. I love it. I love it. Of course.   Pamela (25:02) I know, it's it's very cool. Well thank you for the time, Tiffanie. It was great to talk about this.   Tiffanie (25:09) Thanks, fam. Awesome. Okay, listeners, share this with a buddy. share some information you might have. You might be trying something in your practice now. Drop us a five-star review below and call that out. People do read through those comments.   or if you're on our socials, put it in the comments section. You guys have some conversations about this. There's a lot to be learned here and there's so much to be shared. I know we had a doctor speaking on how she's using AI, but then we also just had a massive conversation in our doctor's only mastermind last Tuesday about AI tools, AI bots, kind of how different practices are using them. So it's a huge conversation. Get it rolling in there, get on board with some other doctors and share these tools with each other.   Hello@TheDentalATeam.com. If you need anything from us at all, we are always happy to share all of the knowledge that we have and we're always happy to help you in your practice on your journey towards an amazing rest of the year. Thanks so much guys and we'll catch you next time.  

Reaction to a bizarre interaction Tua had with himself?!?! on Instagram this morning.

Jones and Keefe discuss the top latest stories happening in and around the sports world such as Red Sox, Tua, Tony Romo, and much more with todays edition of "Grab Bag".

Jeremy, Nate, and callers share their most memorable college football road trip experiences, including a weekend of Southern hospitality at Clemson. A caller named John describes being in the stands for the legendary 1975 "Rudy" game at Notre Dame. They also critique Kirk Herbstreit's non-stop commentary and lament the disappearance of physical paper tickets. 01:53 - Kirk Herbstreit Commentary 04:18 - Clemson Road Trip Story 09:49 - Memories Of Rudy Game

Renewing Your Health with natural health educator, Dana Ellison is heard at 12:30 AM Central Time each Monday on Faith Music Radio.  To learn more about renewing your health visit Dana's website at DanaEllison.com. You can also follow Dana on Facebookand Instagram for more Biblical principles to find health and healing.

Here's a story of a kid who has a poetic incident with a wad of bubble gum... Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Hands-On Tech, Mikah answers Joyce's question about why so many everyday smart devices now require downloading an app & creating an account, and how to opt out of sharing personal data without giving up the products' functionality Send in your questions for Mikah to hot@twit.tv, and he'll answer them in a future episode! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

In this episode of Hands-On Tech, Mikah answers Joyce's question about why so many everyday smart devices now require downloading an app & creating an account, and how to opt out of sharing personal data without giving up the products' functionality Send in your questions for Mikah to hot@twit.tv, and he'll answer them in a future episode! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

In this episode of Hands-On Tech, Mikah answers Joyce's question about why so many everyday smart devices now require downloading an app & creating an account, and how to opt out of sharing personal data without giving up the products' functionality Send in your questions for Mikah to hot@twit.tv, and he'll answer them in a future episode! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

In this episode of Hands-On Tech, Mikah answers Joyce's question about why so many everyday smart devices now require downloading an app & creating an account, and how to opt out of sharing personal data without giving up the products' functionality Send in your questions for Mikah to hot@twit.tv, and he'll answer them in a future episode! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

In this episode of Hands-On Tech, Mikah answers Joyce's question about why so many everyday smart devices now require downloading an app & creating an account, and how to opt out of sharing personal data without giving up the products' functionality Send in your questions for Mikah to hot@twit.tv, and he'll answer them in a future episode! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

In this episode of Hands-On Tech, Mikah answers Joyce's question about why so many everyday smart devices now require downloading an app & creating an account, and how to opt out of sharing personal data without giving up the products' functionality Send in your questions for Mikah to hot@twit.tv, and he'll answer them in a future episode! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

This sermon was preached by Bishop Jimmy Macharia at Harvest Family Church HQ.This is our year of Unmerited Favour! You can give via the following methods: Buy goods and services Till No. 5178933. Paybill number 795194 Account number Purpose: tithe, offering, building. Office number 0717062464

The Mystic Mastermind is open. Small group, eight people inside right now, and I coach you every single week with brand-new material, the same material that built these results in 158 days. DM me MYSTIC at @melissaruizofficial or apply at iammelissaruiz.com/uumIn this solo episode of Waking Up With Melissa, I'm reverse engineering exactly how I brought in $99,000 in sales and new clients over the last 27 days, on an account that is only 157 days old.No ads. No funnel. No webinar. No lead magnetThis isn't a flex about the number. I sat with myself and asked what the most valuable thing was that I could actually hand you, and the answer was this: the five things I did, in order, and the mindset sitting underneath every one of them. Because strategy without the mindset is a waste of time, and 90% of this was mindset.I'm giving you the keys to the door, human. All you have to do is turn it and walk in.Stay ConnectedFollow me on Instagram: @melissaruizofficialPS: The Mystic Mastermind is open. Small group, eight people inside right now, and I coach you every single week with brand-new material, the same material that built these results in 158 days. DM me MYSTIC at @melissaruizofficial or apply at iammelissaruiz.com/uumNew episodes of Waking Up With Melissa drop weekly

The system be systeming! All good. We adapt once again. See you all inside my private sanctuary on Skool. Link below!

Cacao Blisshttps://TryCacaoBliss.com/ToddThis hot drink DOUBLED stem cells in 30 day study (Green tea vs Hot Cacao vs Coffee). Boost anti-aging stem cells for heart health, blood pressure, longevity with Cacao Bliss. Angel Studioshttps://Angel.com/ToddBecome an Angel Guild member to watch Charlie Kirk: American Martyr and help bring more stories of faith, courage, and convocation to audiences around the world.  Absolute Ministrieshttps://AbsoluteMinistries.org/ToddYour gift helps people overcome addiction, find hope and purpose, and experience lasting change through a Christ-centered system of care. Together, we can support sustainable transformation that goes far beyond temporary sobriety. Alan's Soaphttps://AlansArtisanSoaps.com/Todd The legacy continues for Ian and Alan with Alan's Artisan Soaps “John's Favorites” bundle.  Get one bar of each of John's favorites for only $28.99. Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bonefrog https://BonefrogCoffee.comGet the new limited release, The Sisterhood, created to honor the extraordinary women behind the heroes. Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at: The Todd Herman Show - Podcast - Apple Podcasts The Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at:  Todd Herman - The Todd Herman Show - YouTubeBonds, the US Government, and $1T in a Treasury General Account Zach Abraham joins to discuss the latest information about the Treasury General Account, as well as a viral video of a father who gave his children the life he never had.

1046. Did your teenager earn money from a summer or part-time job? Laura answers a listener's question about two tax-advantaged savings accounts for minors: the Roth IRA and the new Trump Account. You'll learn how both accounts work and where working teens or their parents should put their hard-earned dollars first.Key Takeaways:Minors can have a custodial Roth IRA when they earn income from W-2 employment or self-employment and contribute up to $7,500 or 100% of earned income, whichever is less.A Section 530A Trump Account can be opened for kids under 18 regardless of whether they earn income, and contributions can total $5,000 annually.A Roth IRA offers tax-free growth and tax-free withdrawals in retirement.A Trump Account grows tax-deferred, and once the owner turns 18, it becomes a traditional IRA, with distributions taxed (except for contributions that were previously taxed).Parents or relatives do not need to use a minor's money to fund a Roth IRA; they can match or make an eligible contribution for the minor.After age 18, doing a Roth conversion on an old Trump Account is a wise move to lock in tax-free growth forever.Eligible working minors can max out a Custodial Roth IRA up to their earnings limit and receive up to $5,000 in a Trump Account from family, friends, or employers in the same tax year.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Greg answers questions about whether Christian schools ought to accept children with non-Christian parents, whether both Christians and non-Christians will stand in the judgment, and how to be as charitable as possible without weakening your position tactically.   Topics: If non-Christian parents are willing to send their child to a Christian school, why would that school keep the child out just because the parents aren't Christians? (04:00) Will both Christians and non-Christians stand in the judgment? (17:00) What's the right way to navigate being as charitable as you can in a conversation without weakening your position tactically? (45:00) Mentioned on the Show:  Be One of the 100 Made in Our Image by Stephen Driscoll Submit a question on the Open Mic Line Related Links: #STRask: Will I Have to Give an Account for My Abortion When I Stand Before Jesus? – On the idea of standing before God to give an account of what you've done

Welcome to The CJ Moneyway Show, powered by CJ Moneyway Media and the Bleav Network—where purpose is the blueprint and legacy is the goal. Struggling to generate a meaningful return from Google Ads? You are not alone. In this episode, CJ Moneyway sits down with John Horn, CEO of StubGroup, a digital advertising agency specializing in paid media management, Google Ads optimization, account suspension recovery, and advertising compliance. According to John, StubGroup has helped more than 2,000 clients generate over $400 million in revenue by navigating the complexities of pay-per-click advertising and creating campaigns focused on measurable business results. John explains why many paid advertising campaigns fail, how poor targeting and weak conversion tracking can drain marketing budgets, and why hiring the least expensive advertising provider can create greater costs over time. CJ and John also examine one of the most stressful challenges advertisers face: Google Ads account suspensions. John shares why accounts are suspended, the mistakes businesses commonly make when appealing, and how advertisers can build more compliant and resilient campaigns. In This Episode Why many Google Ads campaigns fail to generate a strong return Common PPC mistakes made by small and midsized businesses The danger of choosing paid advertising support based only on price How tracking, targeting, and landing pages affect profitability What causes Google Ads account suspensions How businesses can reduce advertising compliance risks The StubGroup approach to transparency and campaign optimization Google Ads strategies for specialized and niche industries The role of AI and automation in digital advertising How businesses can use paid media to scale responsibly John Horn's advice for companies struggling to improve PPC performance Paid advertising should not be treated as a shortcut. It should be managed as a measurable business system—with clear objectives, accurate data, continuous optimization, and a realistic understanding of customer acquisition costs. Plus, stay tuned for the QuickFire Round, where John answers five rapid-fire questions with the first response that comes to mind. Listen now on Apple Podcasts, Spotify, YouTube, and all major podcast platforms. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode 156: Starting an Instagram Account From Scratch: How Therapists Can Get Cash-Pay Clients With a Small Audience Can you actually get cash-pay clients from Instagram if you only have 100, 300, or 500 followers? And if you're starting an Instagram account from scratch, what should you focus on first if you want your content to eventually help grow your private practice? A few months ago, I unexpectedly lost my entire Instagram account — nearly 10,000 followers, years of content, client wins, memories, and a community I had spent years building. So now, I'm rebuilding my Instagram account from scratch. And as frustrating and humbling as this experience has been, it's given me a completely new perspective on Instagram marketing for therapists, growing a small audience, creating content that attracts the right people, and getting cash-pay client inquiries before you have thousands of followers. Because one of the biggest things rebuilding has reminded me of is this: You do not need a big Instagram following to get clients. I built my first six-figure business with fewer than 2,000 followers. I've helped therapists with small audiences get clients and generate recurring revenue from their content. And now, I'm putting those same strategies back into practice as I rebuild my own account in real time. If you're starting your Instagram account, growing a smaller audience, or posting consistently and wondering when all of this is actually going to turn into clients, this episode is for you. In this episode, you'll learn: Why you don't need thousands of Instagram followers to start getting cash-pay clients What to focus on when you're starting or growing a smaller Instagram account How to create content that attracts the right people — not just more views How to get clear on what you want to be known for so the right clients recognize that your work is for them Why you can grow your audience and get client inquiries at the same time (you don't have to wait!) How to stop letting a small following keep you from showing up, sharing your work, and building the practice you want You don't need 10,000 followers. You need the right people finding you, feeling seen by your content, understanding how you can help them, trusting your perspective, and knowing they can work with you. And you can start building that now — even with a small audience. FREE: 30 Instagram Hooks for Therapists If you've been staring at a blank Reel wondering, "Okay… but what do I actually say?" I created something for you. Grab my free Instagram Hooks Guide for Therapists for hooks you can use to help the right people stop scrolling, pay attention, and want to hear more from you. Grab the free guide: https://thelizfernandez.com/freebie  Ready to Turn Your Instagram Content Into Cash-Pay Client Inquiries? If you're starting an Instagram account, rebuilding your audience, or you've been posting but aren't seeing the followers or client inquiries you want, you don't have to keep guessing what to change. Inside my 90-Minute 1:1 Content Intensive, we'll look at your Instagram, ideal clients, messaging, and content together. You'll leave with a personalized plan to help you create content that attracts more aligned followers, nurtures the people already watching, and creates more opportunities for cash-pay clients to reach out and work with you. The investment is $497 USD. Book your 90-Minute Content Intensive: HERE And if you want to follow along as I rebuild my own Instagram account from scratch, come find me at @thelizfernandez.co. We're building it together.

[Cold open [Moving to Tampa, podcast camera shaming, and getting called "AI slop" on Reddit.] ends at 12:43.]Account management might be the hardest agency skill to teach.We're moving two experienced strategists into formal account management roles, and the hard part is not SEO, PPC, or reporting. It is learning how to communicate strategy, understand the history behind the numbers, and know when a client email needs 30 seconds or 30 minutes. Those soft skills carry more weight than most agency owners realize.We break down the difference between client services, account management, and account executives, plus what each role actually requires. A strong account manager needs more than likability. They need strategy, organization, communication, industry knowledge, and a clear understanding of where they can push back.If clients are used to working with the owner, handing off accounts takes more than changing the name on an email thread. You need to build trust, stay involved, and give the new account manager time to prove they can handle the relationship. Until that happens, stepping away from the agency can cost you clients and recurring revenue.-----PREMIUM:Join the Patreon and get exclusive content from this episode with more in-depth advice and hours of bonus content each month:https://www.agencygrowthpodcast.com/premium-----RESOURCES:Want the tools and resources we recommend for agencies? Check them out here:https://www.agencygrowthpod.com/tools-----NEWSLETTERWant the show in your inbox? Sign up for the newsletter!https://www.agencygrowthpod.com/newsletter-----COMMUNITYLooking to join a community of agency owners? Join our Discord!https://discord.gg/uvHRRRFVRD-----CONTACTGot something to say? Send us a message:https://www.agencygrowthpod.com/contact

Listen to Nepal correspondent Pratichya Dulal's conversation with an eyewitness, Tara Man Dangol, about the devastating floods that hit Nepal on Wednesday, 26 August 2026, and what support survivors are seeking from the government. Warning: This content may be distressing for some listeners. - नेपालमा बुधवार, २६ अगस्टमा गएको विनाशकारी बाढी र त्यसबाट प्रभावित भएकाहरूले सरकारबाट कस्तो सहयोगको अपेक्षा गरेका छन् भन्नेबारे एक प्रत्यक्षदर्शी तारामान डङ्गोलसँग नेपाल संवाददाता प्रतिक्षा दुलालले गर्नुभएको कुराकानी सुन्नुहोस्। नोट: यस सामाग्रीमा समावेश केही विवरणहरूले केही श्रोताहरूलाई विचलित बनाउन सक्छ।Disclaimer: We would like to inform you that the views expressed in this conversation are solely those of the speaker, and SBS neither endorses nor opposes these views.Australians seeking emergency consular assistance are advised to contact the Department of Foreign Affairs and Trade (DFAT)'s 24-hour Consular Emergency Centre on 1300 555 135, or from overseas on +61 2 6261 3305.Readers seeking crisis support can contact Lifeline on 13 11 14, the Suicide Call Back Service on 1300 659 467 and Kids Helpline on 1800 55 1800 (for young people aged up to 25). More information and support with mental health is available at beyondblue.org.au and on 1300 22 4636.In an emergency, call 000.Subscribe to the SBS Nepali podcast here.You can listen to SBS Nepali's live broadcast every Tuesday and Thursday at 2 pm via SBS South Asian on digital radio, on television channel 305, through the SBS Audio app, on SBS On Demand, or via our website.You can also follow SBS Nepali on social media: Facebook, Instagram and X (@SBS Nepali). - नोट: हामी तपाईँलाई जानकारी गराउन चाहन्छौँ कि यस कुराकानीमा व्यक्त गरिएका विचारहरू वक्ता स्वयम्‌का हुन् र यी विचारहरू प्रति एसबीएसको समर्थन वा विरोध छैन।आपत्कालीन कन्सुलर सहायता आवश्यक पर्ने अस्ट्रेलियन नागरिकहरूलाई डिपार्टमेन्ट अफ फरेन अफेयर्स एन्ड ट्रेड (DFAT) को २४ घण्टा सञ्चालन हुने कन्सुलर इमर्जेन्सी सेन्टरमा १३०० ५५५ १३५ मा सम्पर्क गर्न आग्रह गरिएको छ। विदेशमा हुनुहुन्छ भने ‌‌+६१ २ ६२६१ ३३०५ मा सम्पर्क गर्नुहोस्।मानसिक स्वास्थ्य सम्बन्धि सहयोग चाहिएको अवस्थामा यी सेवाहरूलाई सम्पर्क गर्न सक्नु हुन्छ: लाइफलाइन: १३ ११ १४, बियन्ड ब्लु: १३०० २२ ४६३६, सुसाइड कल ब्याक सर्भिस: १३०० ६५९ ४६७ र पाँचदेखि २५ वर्ष उमेर समूहका लागि किड्स हेल्पलाइन: १८०० ५५ १८०० मा सम्पर्क गर्नुहोस्। दोभाषे सेवाका लागि १३ १४ ५० मा फोन गर्नुहोस्।आपतकालीन अवस्थामा भने ट्रिपल जिरो अर्थात् ००० मा फोन गर्नुहोस्।हाम्रा थप अडियो प्रस्तुतिहरू पोडकास्टका रूपमा उपलब्ध छन्। यो नि:शुल्क सेवा प्रयोग गर्न तपाईंले आफ्नो नाम दर्ता गर्नु पर्दैन। पोडकास्टमा सामाग्री उपलब्ध हुनासाथ सुन्न यहाँ थिच्नुहोस्।एसबीएस नेपालीको प्रत्यक्ष प्रसारण हरेक मङ्गलवार र बिहीवार दिउँसो २ बजे SBS South Asian मा डिजिटल रेडियोमार्फत, आफ्नो टेलिभिजनको च्यानल ३०५ मा, SBS Audio एपमार्फत, SBS On Demand मा वा हाम्रो वेबसाइटबाट सुन्न सक्नुहुन्छ। साथै हामी सोसल मिडिया प्लेटफर्महरू फेसबुक, इन्स्टाग्राम र एक्स मा पनि रहेका छौं SBS Nepali का नाममा।

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Don Ford. A board-certified probate and estate attorney and managing partner of Ford Bergner LLP. The conversation focuses on the importance of estate planning, wills, trusts, probate, executors, and family dynamics that often arise after the death of a loved one. Ford provides practical guidance on how individuals can protect their assets, reduce family conflict, and ensure their wishes are properly carried out through legally sound estate planning. Throughout the interview, he emphasizes that estate planning is not just for the wealthy but for anyone who owns assets or has loved ones they want to protect. Purpose of the Interview The interview was designed to: Educate listeners about wills, trusts, and estate planning. Explain the legal differences between financial planning and estate planning. Help families avoid disputes and costly probate issues. Clarify common misconceptions about handwritten wills and DIY estate documents. Encourage individuals to create estate plans before a crisis occurs. Highlight the importance of planning for incapacity as well as death. Key Takeaways 1. Estate Planning Is Different from Financial Planning Ford explains that financial planners focus on growing wealth, while estate planning focuses on what happens to your assets if you die or become incapacitated. 2. Most Americans Don't Have a Will According to Ford, approximately two-thirds of Americans do not have a will, often because they avoid thinking about death, worry about legal costs, or struggle with difficult family decisions. 3. DIY Wills Can Create Major Problems While some states allow handwritten wills, poorly written documents often create ambiguity that leads to family disputes, litigation, and unintended outcomes. 4. Clear Legal Language Prevents Family Conflict A properly drafted will eliminates confusion by clearly defining beneficiaries, distributions, responsibilities, and contingency plans. 5. Estate Planning Should Be Based on Life Stage, Not Age Ford argues that estate planning becomes important when people begin accumulating assets such as: Homes Vehicles Retirement accounts Brokerage accounts Savings The need for a plan is determined more by responsibilities and assets than by age. 6. Communication Is Critical After a Death Many estate disputes begin because family members grieve differently and have different expectations about property, money, and responsibilities. 7. A Good Estate Plan Protects Family Relationships When instructions are clearly documented, families spend less time arguing about intentions and more time focusing on healing. 8. Executors Have Serious Legal Responsibilities An executor is responsible for managing and settling an estate, but cannot legally act until approved by a court. Executors must: Treat beneficiaries fairly Account for all assets Distribute assets according to the law and the will Avoid conflicts of interest 9. Trusts and Wills Serve Different Purposes A trust can be used to transfer assets during a person's lifetime and may help avoid probate in certain states where the probate process is costly and complicated. 10. Estate Planning Is More Than a Will A complete estate plan may include: A will A trust Medical powers of attorney Financial powers of attorney Guardianship planning Asset protection strategies 11. Family Structure Matters Blended families, multiple marriages, children from different relationships, and out-of-state property ownership often require more sophisticated estate planning. 12. Planning for Incapacity Is Equally Important Ford emphasizes that estate planning also addresses what happens if someone becomes unable to make their own medical or financial decisions before death. Notable Quotes On Estate Planning "Estate planning is really what happens if I die, making a plan for your death and what happens after you're gone." On Handwritten Wills "While the handwritten will may be an option, it's usually not the best option." On Legal Guidance "A lawyer would put in the verbiage to make sure there is not that ambiguity." On Why People Avoid Wills "A lot of people have not wanted to talk about these issues because they don't really want to talk about dying." On Planning Ahead "Not thinking about it doesn't mean it's not going to happen." On Timing "It's more of a position-in-life issue and not more about an age issue." On Estate Administration "The executor can't take money and spend it on themselves when it's supposed to go to the others." On Family Conflict "Communication is a big piece of that." On Good Planning "A good plan and a well-drafted will alleviates a lot of those problems." On Trusts "The trust agreement is going to determine who gets my home rather than my will determining who gets my home." On Estate Planning as a Whole "Estate planning is a more holistic view about all of these issues." On Powers of Attorney "We need powers of attorney if you become incapacitated before you die." Bottom Line Don Ford's central message is that estate planning is an act of protection, not simply a legal exercise. A properly structured estate plan helps preserve assets, reduce family conflict, ensure personal wishes are honored, and prepare for both death and incapacity. The interview serves as a reminder that waiting too long to create a will, trust, or estate plan can leave loved ones facing unnecessary stress, confusion, and costly legal challenges. #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Don Ford. A board-certified probate and estate attorney and managing partner of Ford Bergner LLP. The conversation focuses on the importance of estate planning, wills, trusts, probate, executors, and family dynamics that often arise after the death of a loved one. Ford provides practical guidance on how individuals can protect their assets, reduce family conflict, and ensure their wishes are properly carried out through legally sound estate planning. Throughout the interview, he emphasizes that estate planning is not just for the wealthy but for anyone who owns assets or has loved ones they want to protect. Purpose of the Interview The interview was designed to: Educate listeners about wills, trusts, and estate planning. Explain the legal differences between financial planning and estate planning. Help families avoid disputes and costly probate issues. Clarify common misconceptions about handwritten wills and DIY estate documents. Encourage individuals to create estate plans before a crisis occurs. Highlight the importance of planning for incapacity as well as death. Key Takeaways 1. Estate Planning Is Different from Financial Planning Ford explains that financial planners focus on growing wealth, while estate planning focuses on what happens to your assets if you die or become incapacitated. 2. Most Americans Don't Have a Will According to Ford, approximately two-thirds of Americans do not have a will, often because they avoid thinking about death, worry about legal costs, or struggle with difficult family decisions. 3. DIY Wills Can Create Major Problems While some states allow handwritten wills, poorly written documents often create ambiguity that leads to family disputes, litigation, and unintended outcomes. 4. Clear Legal Language Prevents Family Conflict A properly drafted will eliminates confusion by clearly defining beneficiaries, distributions, responsibilities, and contingency plans. 5. Estate Planning Should Be Based on Life Stage, Not Age Ford argues that estate planning becomes important when people begin accumulating assets such as: Homes Vehicles Retirement accounts Brokerage accounts Savings The need for a plan is determined more by responsibilities and assets than by age. 6. Communication Is Critical After a Death Many estate disputes begin because family members grieve differently and have different expectations about property, money, and responsibilities. 7. A Good Estate Plan Protects Family Relationships When instructions are clearly documented, families spend less time arguing about intentions and more time focusing on healing. 8. Executors Have Serious Legal Responsibilities An executor is responsible for managing and settling an estate, but cannot legally act until approved by a court. Executors must: Treat beneficiaries fairly Account for all assets Distribute assets according to the law and the will Avoid conflicts of interest 9. Trusts and Wills Serve Different Purposes A trust can be used to transfer assets during a person's lifetime and may help avoid probate in certain states where the probate process is costly and complicated. 10. Estate Planning Is More Than a Will A complete estate plan may include: A will A trust Medical powers of attorney Financial powers of attorney Guardianship planning Asset protection strategies 11. Family Structure Matters Blended families, multiple marriages, children from different relationships, and out-of-state property ownership often require more sophisticated estate planning. 12. Planning for Incapacity Is Equally Important Ford emphasizes that estate planning also addresses what happens if someone becomes unable to make their own medical or financial decisions before death. Notable Quotes On Estate Planning "Estate planning is really what happens if I die, making a plan for your death and what happens after you're gone." On Handwritten Wills "While the handwritten will may be an option, it's usually not the best option." On Legal Guidance "A lawyer would put in the verbiage to make sure there is not that ambiguity." On Why People Avoid Wills "A lot of people have not wanted to talk about these issues because they don't really want to talk about dying." On Planning Ahead "Not thinking about it doesn't mean it's not going to happen." On Timing "It's more of a position-in-life issue and not more about an age issue." On Estate Administration "The executor can't take money and spend it on themselves when it's supposed to go to the others." On Family Conflict "Communication is a big piece of that." On Good Planning "A good plan and a well-drafted will alleviates a lot of those problems." On Trusts "The trust agreement is going to determine who gets my home rather than my will determining who gets my home." On Estate Planning as a Whole "Estate planning is a more holistic view about all of these issues." On Powers of Attorney "We need powers of attorney if you become incapacitated before you die." Bottom Line Don Ford's central message is that estate planning is an act of protection, not simply a legal exercise. A properly structured estate plan helps preserve assets, reduce family conflict, ensure personal wishes are honored, and prepare for both death and incapacity. The interview serves as a reminder that waiting too long to create a will, trust, or estate plan can leave loved ones facing unnecessary stress, confusion, and costly legal challenges. #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listener Q&A where Andy talks about: Whether to use money in a 457b to pay down a mortgage or to pay taxes on Roth conversions ( 7:56 )How Social Security survivor benefits work, and the optimal ages for spouses to each claim their own Social Security ( 18:54 )His thoughts on why the Social Security trust fund hasn't been allowed to invest in equities ( 25:36 )Creating spreadsheets to replace financial planning software, and using it to help your ongoing retirement planning and projections ( 30:40 )His thoughts on whether someone should try to convert ALL of their pre-tax money to Roth ( 36:56 )Transferring/rolling money from an IRA to an HSA (Health Savings Account) ( 46:05 )Whether you have to start Medicare Part A if you start Social Security but are still covered by a spouse's employer's health insurance ( 49:18 )Updating beneficiaries on investment accounts after one of the beneficiaries passes ( 53:17 )His thoughts on whether comparing a portfolio's investment returns to those of the S&P 500 is appropriate, and whether it's okay to hold bonds as investments ( 58:22 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comAndy's LinkedIn profile: https://www.linkedin.com/in/andypanko/Links in this episode:Tenon Financial's March 2026 newsletter - Gifting, annual gift exclusions, gift taxes and gift tax returns (IRS Form 709)Tenon Financial's March 2024 newsletter - Don't compare your portfolio's returns to those of the S&P 500Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Don Ford. A board-certified probate and estate attorney and managing partner of Ford Bergner LLP. The conversation focuses on the importance of estate planning, wills, trusts, probate, executors, and family dynamics that often arise after the death of a loved one. Ford provides practical guidance on how individuals can protect their assets, reduce family conflict, and ensure their wishes are properly carried out through legally sound estate planning. Throughout the interview, he emphasizes that estate planning is not just for the wealthy but for anyone who owns assets or has loved ones they want to protect. Purpose of the Interview The interview was designed to: Educate listeners about wills, trusts, and estate planning. Explain the legal differences between financial planning and estate planning. Help families avoid disputes and costly probate issues. Clarify common misconceptions about handwritten wills and DIY estate documents. Encourage individuals to create estate plans before a crisis occurs. Highlight the importance of planning for incapacity as well as death. Key Takeaways 1. Estate Planning Is Different from Financial Planning Ford explains that financial planners focus on growing wealth, while estate planning focuses on what happens to your assets if you die or become incapacitated. 2. Most Americans Don't Have a Will According to Ford, approximately two-thirds of Americans do not have a will, often because they avoid thinking about death, worry about legal costs, or struggle with difficult family decisions. 3. DIY Wills Can Create Major Problems While some states allow handwritten wills, poorly written documents often create ambiguity that leads to family disputes, litigation, and unintended outcomes. 4. Clear Legal Language Prevents Family Conflict A properly drafted will eliminates confusion by clearly defining beneficiaries, distributions, responsibilities, and contingency plans. 5. Estate Planning Should Be Based on Life Stage, Not Age Ford argues that estate planning becomes important when people begin accumulating assets such as: Homes Vehicles Retirement accounts Brokerage accounts Savings The need for a plan is determined more by responsibilities and assets than by age. 6. Communication Is Critical After a Death Many estate disputes begin because family members grieve differently and have different expectations about property, money, and responsibilities. 7. A Good Estate Plan Protects Family Relationships When instructions are clearly documented, families spend less time arguing about intentions and more time focusing on healing. 8. Executors Have Serious Legal Responsibilities An executor is responsible for managing and settling an estate, but cannot legally act until approved by a court. Executors must: Treat beneficiaries fairly Account for all assets Distribute assets according to the law and the will Avoid conflicts of interest 9. Trusts and Wills Serve Different Purposes A trust can be used to transfer assets during a person's lifetime and may help avoid probate in certain states where the probate process is costly and complicated. 10. Estate Planning Is More Than a Will A complete estate plan may include: A will A trust Medical powers of attorney Financial powers of attorney Guardianship planning Asset protection strategies 11. Family Structure Matters Blended families, multiple marriages, children from different relationships, and out-of-state property ownership often require more sophisticated estate planning. 12. Planning for Incapacity Is Equally Important Ford emphasizes that estate planning also addresses what happens if someone becomes unable to make their own medical or financial decisions before death. Notable Quotes On Estate Planning "Estate planning is really what happens if I die, making a plan for your death and what happens after you're gone." On Handwritten Wills "While the handwritten will may be an option, it's usually not the best option." On Legal Guidance "A lawyer would put in the verbiage to make sure there is not that ambiguity." On Why People Avoid Wills "A lot of people have not wanted to talk about these issues because they don't really want to talk about dying." On Planning Ahead "Not thinking about it doesn't mean it's not going to happen." On Timing "It's more of a position-in-life issue and not more about an age issue." On Estate Administration "The executor can't take money and spend it on themselves when it's supposed to go to the others." On Family Conflict "Communication is a big piece of that." On Good Planning "A good plan and a well-drafted will alleviates a lot of those problems." On Trusts "The trust agreement is going to determine who gets my home rather than my will determining who gets my home." On Estate Planning as a Whole "Estate planning is a more holistic view about all of these issues." On Powers of Attorney "We need powers of attorney if you become incapacitated before you die." Bottom Line Don Ford's central message is that estate planning is an act of protection, not simply a legal exercise. A properly structured estate plan helps preserve assets, reduce family conflict, ensure personal wishes are honored, and prepare for both death and incapacity. The interview serves as a reminder that waiting too long to create a will, trust, or estate plan can leave loved ones facing unnecessary stress, confusion, and costly legal challenges. #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Commonwealth saved one of its most direct challenges to Lindsay Clancy's account for its final rebuttal witness. Dr. Gregory Saathoff, a forensic psychiatrist who has worked with the FBI's Behavioral Analysis Unit for three decades, compared what Lindsay told him with her medical records, digital searches, Patrick Clancy's account and the physical sequence of events on the day she killed her children. His testimony does not negate the serious mental illness described throughout this trial, and it does not decide the case by itself. It does, however, put the central legal question in plain view: did Lindsay's illness leave her unable to understand that killing Cora, Dawson and Callan was wrong, or do the planning, timing, choices and later inconsistencies show that she still understood what she was doing? In this episode, I walk through the strongest parts of Saathoff's testimony, the fair challenges the defense can make, and the exact courtroom clips that allow you to hear the evidence for yourself.#LindsayClancy #CoraClancy #DawsonClancy #CallanClancy #GregorySaathoff #PatrickClancy #KevinReddington #Duxbury #Massachusetts #TrueCrime #Court #MentalHealth #PostpartumPsychosis========================================Website: www.ProfilingEvil.com========================================Email your questions to: ProfilingEvil@gmail.com========================================

#292: What happens to your points and miles when you die? And how can you make sure they don't disappear? Chris breaks down how major banks, airlines, and hotel programs handle rewards after death, strategies to protect or transfer your points, and the steps you can take now to make things easier for your family. Plus, learn what to do if you're already dealing with a loved one's rewards, why documenting your accounts and logins matters, and the surprising rules around gift cards, divorce, and timeshares. Link to Full Show Notes: https://chrishutchins.com/points-and-miles-after-death Partner Deals LMNT: ⁠Free sample pack of my favorite electrolyte drink mix Fabric: ⁠Affordable term life insurance for you and your family Bilt Rewards: ⁠Earn the most valuable points when you pay rent Copilot Money: ⁠Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: ⁠20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Tools & Resources Points & Miles Death and Transfer Rules PDF Silo Markets Trustworthy Notion 1Password Books & People The Points Guy Die With Zero: Getting All You Can from Your Money and Your Life by Bill Perkins ATH Podcast #200: Debunking Tax Myths, Avoiding Audits and Maximizing Savings with Jasmine DiLucci #285: Why Net Fulfillment Beats Net Worth with Bill Perkins Hotel Upgrade Program Best Cards Page Gift Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:16) Your Points & Miles Aren't Actually Your Property (02:31) Can You Legally Access a Deceased Person's Accounts? (07:49) What Happens to Bank & Credit Card Points After Death (09:52) Why Amex Is One of the Most Generous Programs (13:51) Transferring Points Before Someone Passes Away (17:23) How Annual Fees Are Handled (17:51) What Happens to Business Cards (18:18) Moving Bank Points to Loyalty Programs (18:51) What Happens to Airline Miles (23:09) Why You Should Push Back With Airlines (24:13) Other Ways to Use or Preserve Airline Miles (25:50) How Hotel Points Are Handled (and Why They're Easier) (31:26) Hotel Certificates & Flight Credits (32:41) What Happens to Rental Car Points (33:55) Don't Hoard Your Points (34:12) Document Every Account and Login (37:17) Set Up Points Pooling and Authorized Users in Advance (37:43) Leave Clear Instructions for Your Heirs (38:03) Why You Need a Financial Power of Attorney (38:36) Don't Let Auto-Pays Shut Down an Account (39:08) Proactively Transfer Points Out (39:45) Where to Move Bank Points in a Hurry (45:30) Choosing Someone to Manage Your Points & Miles (47:00) The Checklist for When a Family Member Passes (48:21) Hang Up, Call Again (49:55) Document Everything You Do (50:30) How Points Are Handled in Divorce (51:30) Why Gift Cards Are Different (51:50) The Risks of Inheriting a Timeshare Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Besson might have lured us in with Marcel P., but we stayed for the STORY. Listen in to find out how the prose, the plotting and the TURN (??) in this novel function so well.

On March 4, 2024, 21-year-old Texas A&M–Corpus Christi student Caleb Harris disappeared in the middle of the night.Just hours earlier, Caleb was at his apartment, making plans for the next day and spending time with friends. By morning, his roommates found his wallet and keys inside, his truck still parked outside, and an untouched UberEats delivery at the door.Caleb was nowhere to be found.Months later, investigators would discover human remains in a wastewater collection well not far from his apartment. The remains were eventually identified as Caleb—but the circumstances surrounding his death remain a mystery.A strange Snapchat photo, a mysterious Reddit account, and a possible late-night meetup that may—or may not—have been connected to Caleb, all details that make this case particularly unsettling.Was Caleb meeting someone that night? Did he unknowingly put himself in danger? Or is there another explanation for how he ended up where he was found?One Minute and Forty-Three Seconds-A True Unsolved Mysteries PodcastTrue crime, missing persons, unsolved mysteries, and the cases that leave us with more questions than answers.#TrueCrime #CalebHarris #CalebHarrisMissing #UnsolvedMystery #MissingPerson #CorpusChristi #TexasTrueCrime #TrueCrimeCommunity #unsolvedcases One Minute and Forty-Three Seconds is dedicated to my number 1 fan. Thanks, Dad. I love you and I miss you.

This sermon was preached by Bishop Jimmy Macharia at Harvest Family Church HQ.This is our year of Unmerited Favour! You can give via the following methods: Buy goods and services Till No. 5178933. Paybill number 795194 Account number Purpose: tithe, offering, building. Office number 0717062464

This sermon was preached by Bishop Jimmy Macharia at Harvest Family Church HQ.This is our year of Unmerited Favour! You can give via the following methods: Buy goods and services Till No. 5178933. Paybill number 795194 Account number Purpose: tithe, offering, building. Office number 0717062464

Leicester On The “Community” vs. “Official” #BlockDAG Branch #Crypto #Cryptocurrency #podcast #BasicCryptonomics Website: ⁠⁠⁠⁠https://CryptoTalk.FM Facebook: ⁠⁠⁠⁠@ThisIsCTR⁠⁠⁠⁠ Chapters (00:00:00) - Out of Cycle: The Lies About UTXO(00:05:32) - Bitcoin: The Blanket Denial(00:10:36) - BDAC Scan vs. Bdexscan(00:11:10) - The Collusion Behind the Exchange Launch(00:19:08) - BDAC Scan: If They Don't Account for Your Coins,(00:26:25) - BDAC Scan vs Community Coin(00:28:44) - Ethereum: The DAO and Why It's Not Independent(00:33:40) - Choose The Right Staking App

Skin's X account got hacked...and it doesn't seem like he'll be getting it back anytime soon. 

Congressman Morgan McGarvey holds a roundtable discussion on Medicaid cuts and how Kentuckians will be affected, an online gaming platform responds to a wrongful death lawsuit involving a Northern Kentucky teen, and the new program allowing Kentuckians with disabilities to save for the future while maintaining the benefits they depend on.

Sophie notices a very suspicious purchase on her boyfriend Leo’s rewards account: condoms, Goldfish, and even her $5 coupon.

Sophie notices a very suspicious purchase on her boyfriend Leo’s rewards account: condoms, Goldfish, and even her $5 coupon.

I was fired twice. I got laid off once. And you're going to be astonished at what I did next — I took a bet out. Not in Vegas. Not on a bracket. I bet on myself.July 2001. I made a decision that it was easier for me to control my life than for somebody else to control it for me. Problem was, I didn't know how to run a business. I'm a CPA. I knew what a financial statement looked like. I knew what a tax return looked like. I did not know how to make an offer, how to sell, or how to market anything.I moved anyway. Because certainty comes before competence.In this episode I walk you through exactly what I did next, the questions I asked that opened doors, and the platform God laid out for success — be certain, do the next thing, then you start having. I also get into why so many of us are chasing a version of success that God never assigned us, and what happens when somebody sees something in you that you haven't seen in yourself yet.In this episode:▪️ Why certainty comes before competence — and how to move before you feel ready▪️ The difference between being successful and being a success (they're not the same thing)▪️ How getting "cultureized" keeps you living somebody else's assignmentIt's 2026. There are fewer jobs than there were in 2001. You may never get fired — but you should never be unprepared. Press play.

Is your Meta ad account stuck at the same growth level? We can run a growth diagnostic and recommend the right strategy to scale your business.Talk to us at https://www.tiereleven.com/apply Posting more content doesn't automatically mean better results. One of our favorite clients learned that the hard way after posting 156% subscriber growth in under six months. Such growth never sustains on autopilot, and figuring out why is what separates a good agency from a great one.In this episode, Tier 11 growth strategist Thomas Mcnaught joins me to unpack the full growth diagnostic we ran for the client. We cleaned up messy attribution data, discovered 10-minute video ads with a 0.01% completion rate, and made the counterintuitive call to kill state-specific targeting entirely, letting Meta's algorithm do what it does best.The result? A 20-25% CAC reduction in one week, with more upside coming. We get into creative diversification, campaign consolidation, and why Google and Meta aren't competing but assisting each other. Listen in and then review your ad account for the same red flags. In This Episode:- The importance of building a true source of truth across platforms- Optimizing Meta Ads using better campaign structure and data- Why long-form video ads may be hurting creative performance- How creative diversification improves Meta Ads results- The dangers of overly specific state and location-based targeting- Optimizing customer acquisition cost instead of vanity metrics- How Meta, Google Ads, YouTube, and organic traffic work together- Using media efficiency ratio and attribution tools to measure growthMentioned in the Episode: Part 1 of the Case Study: https://perpetualtraffic.com/podcast/episode-792-156-more-app-subscribers-in-six-months-heres-how-we-did-it/ Tier 11's Data Suite: https://www.tiereleven.com/what-we-do/data-suiteDownload Your Copy of Tier 11's Marketing Performance Indicators (MPIs): https://www.tiereleven.com/marketing-performance-indicators Join Ralph Burns and John Moran every Friday for The Ad Lab Live: https://www.youtube.com/@Tier11/streams Wicked Reports: https://www.wickedreports.com/ Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Connect with Thomas McnaughtWebsite: https://www.thomasmcnaught.com/ Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram - https://www.instagram.com/ralphhburns/ Hire Tier11 - https://www.tiereleven.com/apply-now Mentioned in this episode:https://perpetualtraffic.com/advertise-with-us/

In this creepy episode we cover a Bigfoot encounter that raises the question: Would you rather encounter a huge grizzly or a huge Bigfoot?.In cryptids in the news and other oddities, KJ takes us to the creepiest castle in the world; Houska Castle in the Czech Republic. And some great listener mail from many of you so please join us! Thank you for listening! www.bigfootterrorinthewoods.com Produced by: "Bigfoot Terror in the Woods L.L.C."

This week on Ask Farnoosh, we unpack the latest updates to Trump Accounts, including new workplace contribution options that could make these child investment accounts more appealing for families. We also dive into the rise of "money maxxing"—what this viral trend gets right (and where it goes too far)—plus the surprising economics behind the stay-at-home boyfriend phenomenon.Also on the show: why customer service frustrations are fueling record levels of consumer rage, what Realtor.com's hottest ZIP codes reveal about today's housing market (including why Montclair, NJ, ranks #2), and answers to two listener questions on avoiding common pre-retirement mistakes and deciding where to put your next dollar after you've built an emergency fund and are saving for retirement.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

Anne Stevenson-Yang, author of Wild Ride: A Short History of the Opening and Closing of the Chinese Economy, provides an account of China's economic arc over five decades. The narrative begins in the mid-1980s, transitioning from a Maoist culture characterized by extreme poverty to a burgeoning export-led economy envisioned by Deng Xiaoping. This "miracle" was fueled by "red capitalism," where the children of political elites—the princelings—amassed massive wealth by controlling key economic nodes and resources. The central government sustained growth through aggressive interventions, including "golden projects" for state control and massive cash injections following the 1998 and 2008 financial crises. This led to an era of "ghost cities" and redundant infrastructure as the country became "drowned in cash." However, this expansion was built on unsustainable debt and unproductive assets. By 2020, the COVID-19 pandemic and subsequent severe lockdowns shattered public trust and triggered a financial crisis in the real estate sector. Currently, the Chinese economy faces deflation and stagnation. Under Xi Jinping, the state has prioritized surveillance and national security over capitalistic freedom, marking the closing of the Chinese economic miracle. (1)