Podcasts about ACH

In this episode of B2B Vault – The Biz To Biz Podcast, host Allen Kopelman welcomes Sam Imperati from ICM Resolutions to talk about practical strategies for resolving business and organizational conflicts.Sam shares how his coaching program helps leaders, executives, and family businesses navigate disputes quickly—often in 30 days or less. Unlike generic courses, his one-on-one approach digs into the root of each conflict, providing tailored tools you can implement right away.

One of the many benefits of making ACH payments is that when they fail, you know almost immediately. And while they fail far less frequently than checks get lost, bounce or are stolen, it does happen. And when that occurs, the ACH payment is returned, hence the term, ACH returns. A good understanding of why returns occur will allow you to create a process that minimizes returns and allows you to respond quickly when they do fail. Today, we'll discuss the most common reason for ACH returns, and then take a look at best practices to minimize this from happening as well as what to do when an ACH payment is returned. #ACH #ACHpayment #ACHdebits #ACHcredit Link to ACH Credits and Debits: What's The Difference https://youtu.be/HyLNyBLGGkY Subscribe for more tips and insights like this: https://www.youtube.com/APNow?sub_confirmation=1

Ach nee, Fabsi hat mal wieder für ein neues Spezial der heute Show gedreht. Wow, das kam überraschend. So überraschend, wie eine neue Lach- und Sachgeschichte unseres Jonis aus dem Saarland. Kunstrasengeschichten die fesseln, mindestens so, wie die Wortspiele des Journalisten des Jahres 2024. Anyway - Markus Söder ist mit „Sweet Caroline“ auf dem Weg in die Charts. Witziger Klappentext Ende! Eine Produktion von Flutlicht-Film in Zusammenarbeit mit AM|PM Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/SchlagUndFertig_Podcast Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://linktr.ee/SchlagUndFertig_Podcast

Harry Potter und das letzte AbendmahlEs ist eine Denkwürdige Folge, denn es wird die letzte Folge sein in der wir Sirius und Harry in trauter Einheit sehen werden. Tränenreich verabschieden sich die beiden voneinander…. Ach quatsch. Es gibt einen Klapps auf den Rücken und das wars… Hach Männer. Wie schön. Naja jetzt geht's erstmal wieder nach Hogwarts. Und in Ermangelung einer anderen Option geht's mit dem fahrenden Ritter durch Großbritannien. Diese wohl schlimmste aller Öffi Erfahrungen bringt uns zurück ins Schulschloss und auf die Frage, welche wohl die beste Art der öffentlichen Fortbewegung ist. Zug, Bus, oder doch Straßenbahn? Sagt uns Eure Meinung und auch ansonsten wünschen wir Euch Viel Spaß beim Zuhören. UUUND ganz neu haben wir jetzt auch einen Whatsapp Kanal: https://whatsapp.com/channel/0029VbB8C00CRs1obJUivo2ZIhr wollt uns live sehen? Am 18.10.25 in Bochum habt ihr die Chance!Tickets gibt's hier:https://t.rausgegangen.de/tickets/happy-potter-bochumWir haben auch eine Patreon-Seite!Schaut doch mal vorbei, es gibt Bonus-Episoden, Sticker und andere aufregende Dinge! Besucht uns auf den sozialen Netzwerken, unserer Webseite und erzählt euren Freunden von uns! Vielleicht haben die ja auch Lust auf einen Harry-Potter-Podcast!Webseite: www.Happy-Potter.netPatreon: www.patreon.com/happypotterDiscord: https://discord.gg/2EajMaGXpcFacebook: www.facebook.com/happypotterpodcastInstagram: @happypotterpodUnd wir haben jetzt auch Playlists mit unseren Lieblingssongs:Martins Playlist:https://open.spotify.com/playlist/2IBxDsPVm1UdNBiW2QkgEJ?si=rU6HLkoFQfGGjvab8g8yEQ&pi=e-bKuIHap7RWCuSophias Playlist:https://open.spotify.com/playlist/0kuOP0TujMhrqOWzLwUH1O?si=9LIZkc2nQTOajHPaqpP_RA&pi=e-tc6w0NgQRo-W Hosted on Acast. See acast.com/privacy for more information.

Een designertas kopen in Parijs? Een verplichte uitgave. De nieuwste iPhone aanschaffen? Die is praktisch gratis. Tenzij je de verkeerde maat koopt natuurlijk, maar dat kan de beste overkomen volgens Piet. Uiteraard verhuist zijn geliefde AppBlock met hem mee, maar of dat ook echt zin heeft? Ach, zolang het geen seksuele fantasieën oproept, is er niks aan de hand.

Schreib ein Kommentar- Folge 176 - Ach, Sie suchen Streit? Bundesliga Stralsund gegen GüstrowSupport the show

Was für unglaubliche Tage liegen hinter mir – und was für coole vor mir! Es gilt: ein Leben vor dem Tod. Und dieses Leben verdient es, jeden Tag mit Vollgas gelebt zu werden, damit wir am Ende sagen können: „Boah, was für ein Leben!“ Letzten Mittwoch bin ich mit meinem langjährigen Fahrer nach Frankfurt, von dort aus nach Hamburg geflogen – alles lief perfekt. Lounge, Essen, pünktlicher Abflug. Und dann: Der Koffer kam nicht. Ich zum Schalter – "Automat!" Ich: "Business Class!" Sie: "Dann menschliche Hilfe." Ach was, wie großzügig. Die Dame war unhöflich, ließ andere vor. Neben mir: ältere Menschen, völlig verzweifelt – sie mussten aufs Schiff. Aber: Koffer nicht da. Ich blieb freundlich, bat um Hilfe. Dann endlich: jemand Nettes, kurze Unterstützung. Koffer? Kommt mit der nächsten Maschine. Ich: "Ich kann nicht warten, muss nach Weissenhaus." Sie: "Wir schicken ihn nach." Sobald jemand sagt „kein Problem“ – wird's eins. Abends: kein Koffer. Kam erst am nächsten Morgen. Dann Mastermind mit Prof. Dr. Oliver Pott – top Austausch, tolle Leute, starkes Netzwerken. Freitagabend ging's zurück. Samstag Hotel One – sonst bin ich in 5-Sterne-Hotels, aber das war ganz okay. Trotzdem: Mietwagen vergessen zu tanken. Rückwärts raus, tanken – passt. Flug nach München. Wieder: Koffer kam nicht. Grund: zu wenig Personal zum Ausladen. Unfassbar. Learning: Ab jetzt nur noch Handgepäck. Ja, ohne Schweizer Taschenmesser. Aber: Keine Lust mehr auf Koffer-Drama. Dann weiter zum Tegernsee – mega Netzwerktreffen. Lamborghini, Ferrari, Porsche – Wahnsinns-Event! Mit dabei: Dr. Ivonne Mackert-Wilts als VIP-Kundin Seit über 2 Jahren an meiner Seite. Immer dabei, immer all in. Du willst auch dabei sein? Dann: VIP-Coaching buchen. Ivonne gehört heute zum Expertenrat im TV – weil sie sich für Erfolg entschieden hat. All in oder gar nicht. Wer alles gibt, bekommt auch alles. Jetzt wieder TV-Erfolgsstudio – mit außergewöhnlichen Gästen, die was bewegt haben. Du willst dabei sein? Jetzt anmelden. Es ist wie immer eine Entscheidung. Freitag: St. Moritz – Mindset Bootcamp & Born to be Free. Wert je 2.970 €, du bist mein Gast. Nur Hotel & kleine Raumgebühr selbst tragen.

Ach du Scheiße, schon wieder gewonnen

Freundschaft, liebe Genossinnen und Genossen. Willkommen im Fokustraining für den Glauben an die wahre Liebe. Heute geht es sisch um den perfekten PR-Gag, Arschtritte und Backpfeifen. Wir gucken aus Anstand Barbie und haben beim Sterben andere Sorgen im Kopf. Nämlich, weder die Zukunft, noch die Vergangenheit verschmutzen zu wollen. Irgendwann muss man halt auch auch abschließen. In dieser Folge lassen wir uns von Fotografen über den Tisch ziehen und gewinnen Distanz zu unserem früheren Ich. Iris schmeißt auch 100 Euro in den Wind und zahlt 90% Steuern. Denn wer arbeiten kann, muss auch. Matthias geht währenddessen im Kiosk einkaufen und sucht Geld in Windeln. Wir schalten Jesus im Teams-Call auf stimm und widmen uns dem Familienprojekt Himmelfahrt. Dann besprechen wir noch den Trägheitseffekt im Wartezimmer und hoffen auf Erlaubnis, YouTuber zu belächeln. Ach, und wegen der schlimmen Sage am Ende: Seid nicht so sensibel, heult nicht rum. Du möchtest uns eine Sprachnachricht für den Podcast schicken? Folge uns auf Instagram und nutze dort den Chat: https://www.instagram.com/coupleof_podcast/ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos und Rabatte: https://linktr.ee/CoupleOf Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio

Nun war es tatsächlich so weit: Der Song Contest "Intervision 2025" ist in Moskau über die Bühne gegangen. Vladimir Putin persönlich wollte diesen Wettbewerb, an dem am Ende 22 Länder teilgenommen haben. Russland selbst ist wegen des Angriffs auf die Ukraine ja raus beim ESC. Wir haben uns die vier Stunden lange Propaganda-Show für euch angesehen. Die Organisatoren versprachen einen politikfernen Wettbewerb. Allerdings ist Kreml-Chef Putin direkt am Anfang per Videobotschaft zu sehen gewesen. Und Außenminister Sergei Lawrow wurde sogar live in der Halle interviewt. Ach ja - gewonnen hat übrigens Duc Phuc aus Vietnam. Beim ESC wird die Teilnahme von Israel weiterhin diskutiert - und das heftiger als zuvor. Mehrere Länder wollen nicht mehr mitmachen, wenn Israel 2026 dabei ist. Dazu zählen etwa Rekordsieger-Land Irland, aber auch Spanien und die Niederlande als große Geldgeber des ESC. Eine Situation ohne einfache Lösung. Nun soll eine Abstimmung im November über Israels ESC-Zukunft entscheiden. Außerdem ist das Auswahlverfahren für den deutschen ESC-Vorentscheid 2026 gestartet. Hier hört ihr, wer sich ab jetzt dafür bewerben kann. Und wir werfen einen Blick auf "Deslocado" von NAPA, den portugiesichen Beitrag dieses Jahres. Der wird nämlich jeden Tag über eine halbe Million Mal gestreamt und ist auf dem Weg, ein großer Erfolg zu werden. Den Artikel von Marcel zu den Boykottandrohungen beim ESC bei NDR Kultur findet ihr hier: https://www.ndr.de/kultur/musik/pop/esc-2026-mehrere-laender-drohen-wegen-israel-mit-boykott,israel-1248.html Moderation: Marcel Stober und Thomas Mohr Gäste: Daniel Kähler, Dr. Irving Wolther Mit einem Beitrag von: Daniel Kähler Eine Produktion des NDR.

Werden Sie JETZT Abonnent unserer Digitalzeitung Weltwoche Deutschland. Nur EUR 5.- im ersten Monat. https://weltwoche.de/abonnemente/Aktuelle Ausgabe von Weltwoche Deutschland: https://weltwoche.de/aktuelle-ausgabe/KOSTENLOS: Täglicher Newsletter https://weltwoche.de/newsletter/App Weltwoche Deutschland http://tosto.re/weltwochedeutschlandDie Weltwoche: Das ist die andere Sicht! Unabhängig, kritisch, gut gelaunt. Russland, Drohnen, EU-Kriegsrausch: «99 Luftballons», Nenas visionärer Song. Wahlhelfer Merz: AfD legt weiter zu. Ist die AfD rechtsextrem? Ach was. Rachejustiz gegen Frankreichs Ex-Präsidenten Sarkozy. Kritik am ÖRR wächstDie Weltwoche auf Social Media:Instagram: https://www.instagram.com/weltwoche/ Twitter: https://twitter.com/Weltwoche TikTok: https://www.tiktok.com/@weltwoche Telegram: https://t.me/Die_Weltwoche Facebook: https://www.facebook.com/weltwoche Hosted on Acast. See acast.com/privacy for more information.

Gelassenheit – das ist eines der wichtigsten Dinge. Wenn du gelassen bist, gelingt dir ganz viel. Wenn du verkrampft bist, entfernst du dich vom Glück und von der Leichtigkeit deines Seins. Erfolg ist das Geburtsrecht jedes Menschen. Doch hast du auch die richtige Einstellung dazu? Oder glaubst du, „das Leben ist hart“? Alle Erfolgreichen haben einen Coach. Willst du erfolgreich sein, dann such dir jemanden, der schon dort ist, wo du hinwillst. Viele sagen: „Warum dafür Geld ausgeben?“ Aber wie schnell kann das Leben vorbei sein. Gerade noch da – eine Sekunde später vielleicht schon tot. Lebe dein Leben in Dankbarkeit. Hör auf zu jammern. Bleib dran, bleib dran, bleib dran. Dann öffnen sich Türen. Wir arbeiten mit Menschen aus Dubai, Deutschland, überall. Und viele sagen: „Solange es in Deutschland geht, bleiben wir. Wenn nicht – gehen wir.“ Frage: Bist du bereit zu gehen? Mental? Hast du dich vorbereitet? Ich bin gern in Deutschland, aber ich sehe Entwicklungen, die mich zweifeln lassen. Die Reglementierungswut in Deutschland und der EU ist einfach verrückt. Aber aufgeben ist keine Option. Wie Schiller sagte: „Wenn ich wüsste, dass morgen die Welt untergeht, würde ich heute noch einen Baum pflanzen.“ Gewonnen und verloren wird im Kopf. Frage dich: Wie stark bist du mental? Wenn du sagst: „Ich will mein Leben verändern“, komm zum Mindset Bootcamp in St. Moritz. Es geht nur um eines: dein Mindset. Dein Mindset entscheidet, ob du Glück hast oder nicht. Du bist born to be free – geboren, um frei zu sein. Aber das gibt's nicht gratis. Du musst dich selbst kennenlernen. Frag dich: Was macht dir Spaß? Wo blühst du auf? Wo kommst du in deine Energie? Dann kommst du in den Flow – dieser göttliche Zustand, in dem du Zeit und Raum vergisst. Wie oft bist du im Flow? Bei der Arbeit? In der Partnerschaft? In deiner Freizeit? Sei ehrlich! Nur wer ehrlich ist, kann sich verändern. So, ich wollte direkt zum Bootshaus fahren – aber nur Fahrräder erlaubt. Anstatt zu fluchen, denke ich in Lösungen. Je mehr du in Lösungen denkst, desto leichter wird dein Leben. Und jetzt zum Hotel zurück – auch das ist Teil des Lebens: Flexibilität, Anpassung, Perspektivwechsel. Dein Leben. Dein Glück. Deine Bestimmung. Was willst du am Ende deines Lebens sagen? „Ich wollte viel machen?“ Oder: „Ich habe alles gegeben. Ich habe gelebt.“ Viele sagen: „Was will ich noch alles machen?“ Ich sage: Ganz viel – weil ich Spaß habe, weil es mich erfüllt. Ach ja – warum ich nicht mehr hier übernachte? Weil man mir dreimal eine viel zu weiche Matratze hingestellt hat, trotz Beschwerden. Ich sagte: „Legt mir ein Brett ins Bett.“ Antwort: „Wir schauen.“ Ergebnis: nichts. Das ist kein Service. Das ist Ignoranz. Jetzt wohne ich in Heiligenhafen – in einer Suite, für ein Drittel des Preises, aber mit Service. Merkst du was? Service macht den Unterschied. Alles Liebe – bis später im Bootshaus. Tschau tschau! #Mindset #Erfolg #Dankbarkeit #Flow #Gelassenheit #Selbstverwirklichung #Coaching #Lebensfreude #Freiheit #Mut #Veränderung #Persönlichkeitsentwicklung #Ernstcrameri Hier findest du eine Übersicht aller aktuellen Seminare https://crameri.de/Seminare  Crameri-Akademie Wenn Du mehr über diesen Artikel erfahren möchtest, dann solltest Du Dich unbedingt an der folgenden Stelle in der Crameri-Akademie einschreiben. Ich begleite Dich sehr gerne ein Jahr lang als Dein Trainer. Du kannst es jetzt 14 Tage lang für nur € 1,00 testen. Melde dich gleich an. https://ergebnisorientiert.com/Memberbereich Kontaktdaten von Ernst Crameri Erfolgs-Newsletter https://www.crameri-newsletter.de Als Geschenk für die Anmeldung gibt es das Hörbuch „Aus Rückschlägen lernen“ im Wert von € 59,00 Hier finden Sie alle Naturkosmetik-Produkte http://ergebnisorientiert.com/Naturkosmetik Hier finden Sie alle Bücher von Ernst Crameri http://ergebnisorientiert.com/Bücher Hier finden Sie alle Hörbücher von Ernst Crameri http://ergebnisorientiert.com/Hörbücher Webseite https://crameri.de/Seminare FB https://www.facebook.com/ErnstCrameri Xing https://www.xing.com/profile/Ernst_Crame

Send us a textWieder eine Monsterfolge. Zum Ausgleich zu den feministischen Rants der letzten Folge, geht es hier erstmal ausführlich um Sport. Es folgen deepe, persönliche Rants sowie kurze, seichte Mini-Rants. Alte Menschen werden gehatet und ältere, die keine TikTok Trends mögen, koreanische Kuscheltiere, Glasuntersetzer, St. Pölten, das Bundesheer, Touristenfallen, Grashüpfer, Irland u.v.m. Ach ja, und Schrams Freundin ist aus Schladming. Und er war in Costa Rica. Anhören – you'll get it!Du willst mit-ranten? Schreib uns: Schick deine eigenen pet peeves (kleine Dinge, die dich riesig nerven), Fragen, Meinungen und Kommentare an Helmut unter 0699-1-237 50 83Begriffsdefinitionen RANT Engl. für: Schimpfkanonade · Schimpftirade · Wutgeheul · WutredeGoogle: „Die Person, die sich das Geschimpfe anhört, wird nicht beachtet, und oft ist der Vorgang für den Zuhörer nicht einvernehmlich. Es wird extrem toxisch, da die Person, die emotional ablädt, oft nicht in der Lage ist, eine konstruktive Bemerkung oder einen Ratschlag zu geben. Der ganze Prozess lässt keinen Raum für eine Lösung.“Etymologie: Rant kommt aus dem Niederländischen ranten, „Unsinn reden“.Der erste dokumentierte Gebrauch von rant stammt aus dem Ende des sechzehnten Jahrhunderts, aus Shakespeares Die lustigen Weiber von Windsor.VILLE Urban dictionary: „Populäres Suffix, das häufig als Verstärker an ein beliebiges Wort angehängt wird, etwa: ‚hoe ville‘: eine Stadt voller Schlampen“PET PEEVE „Das Lieblingsärgernis“; ein kleines Ärgernis, das einen immer wieder aufs neue auf die Palme bringt.Danke fürs Zuhören und fürs Teilen!Cover Art: Cat AsenguaMusik: Helmut Stekl und Michael „Mitch“ Dörfler, www.tripbox.com#rant #ranting #rantsville #complaining #petpeeves #jammern #beschweren #negativ

Julia wohnt jetzt offiziell in Wien und nicht nur lernen wir heute ihre neue Wohnung kennen, sondern auch ihre neue Bestimmung. Sie lebt jetzt nämlich unter einer Familie mit furchtbaren Eltern, die ihrem kleinen Sohn aufzwängt, professionell Panflöte zu spielen, dabei ist will er das gar nicht. Ob Julia es schafft, den kleinen Robin (fiktiver Name) aus den Fesseln seiner Eltern zu befreien? Wenn ihr glaubt, das war schon alles, habt ihr euch geschnitten, denn ganz geschmeidig droppen wir diese Woche die wahrscheinlich krasseste Ankündigung des Jahres. Joey hat dazu auch noch ganz plötzlich ne neue Küche, die er vor Freude am liebsten heiraten würde… Ach ja und Julia hat ne komplett verwirrte Oma auf ne öffentliche Toilette geführt und hat sie dort eiskalt allein gelassen. Hoffen wir mal, sie hatte viel Proviant dabei, denn die gute Ursel (fiktiver Name) irrt dort wahrscheinlich immer noch rum. Zu den Tickets: https://dienervigen.myticket.de/ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/dienervigen Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio Höre "Die Nervigen" immer schon Montags kostenlos bei Podimo. Zusätzlich gibt es jede Woche eine Bonusfolge bei Podimo Premium. [https://podimo.de/nervig](https://podimo.de/nervig) Kummerkasten Bonusfolge: dienervigenfanmail@gmail.com

Banking on Fraudology is part of the Fraudology Podcast Network. The latest episode of Banking on Fraudology tackles a critical issue facing financial institutions: new ACH fraud monitoring requirements. Host Hailey Windham expertly guides listeners through NACHA's upcoming rule changes, offering a comprehensive breakdown tailored for small banks and credit unions. Windham delves into the nuances of the two-phase implementation, explaining how institutions can prepare for the March 2026 deadline without breaking the bank. She clarifies key concepts like "false pretenses" and the shift away from "commercially reasonable detection systems" to risk-based processes. The episode provides a wealth of practical advice, from conducting risk assessments and setting transaction baselines to developing effective response procedures. Windham also shares invaluable insights on vendor selection, warning listeners about common sales pitches to be wary of and offering smart questions to ask potential partners. Throughout the episode, she emphasizes the importance of tailoring monitoring approaches to an institution's specific role and risk profile. Listeners will come away with a clear action plan for compliance, including tips on policy writing and annual review processes. This episode is a must-listen for any fraud fighter looking to stay ahead of regulatory changes and strengthen their ACH fraud defenses. Tune in now to arm yourself with the knowledge and strategies you need to protect your institution and customers in the evolving landscape of ACH fraud.https://www.nacha.org/rules/risk-management-topics-fraud-monitoring-phase-1About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/ https://www.fraudfightclub.com/https://www.about-fraud.com/

Beidh díreach triúr iarrthóirí ag dul san iomaíocht sa toghchán uachtaránachta, agus is iad ar fad ainmnithe ag Páirtithe an Oireachtais. Ach cad é faoi na hiarrthóirí neamhspleácha, iad siúd nach raibh in ann an tairseach a bhaint amach agus a n-ainm a chur ar an ballot paper? Agus le lá na vótála ag teanadh linn, cén cineál Uachtaráin atá uainn anois? Ar Seachtain, tugann Ursula Savage, tráchtaire polaitíochta, spléachadh ar na hiarrthóirí, na conspóidí agus na knock-backs atá feicthe againn san fheachtas go dtí seo. Foclóir: Toghcheantar: Constituency Dul ar scor: Retire Deimhnithe: Confirmed Siar is aniar: Back and forth Comhbhá: Empathy or kinship Iarrthóirí neamhspléacha: Independent candidates Comhairle áitiúla: Local authority Ainmniúchán: Nomination Tairseach: Threshold Rathúil: Successful Luachanna: Values A mhalairt: The opposite Droch-tháithí: Bad experience Ní chuireann sí fiacail ina cuid focail: She doesn't mince her words Maitheas: Good or benefit As an ghnáth: Out of the ordinary Seicteachas: Sectarianism See omnystudio.com/listener for privacy information.

Maxi und Moritz melden sich zwar nicht direkt von der Wiesn, dafür aber mit einem Update wie es Moritz nach 3 Tagen Oktoberfest geht. Und natürlich wird auch über die F1 geredet, die nach dem Sieg von Max Verstappen eventuell wieder eine offene Fahrer-WM hat. Ach ja, und der Smooth Operator Carlos Sainz spielt nach dem Rennen in Aserbaidschan auch eine Rolle. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Nextech3D.AI CEO Evan Gappelberg joined Steve Darling from Proactive to share new details on the company's highly anticipated blockchain ticketing roadmap, which aims to unify ticketing, payments, digital identity, and AR/AI-powered navigation into one integrated platform. The rollout will follow a two-phase approach designed to balance accessibility and innovation. Phase 1 (Q4 2025 will see rhe launch of a custodial, walletless ticketing solution requiring no crypto wallet from users. Fans will be able to purchase tickets seamlessly using credit card, ACH, Apple Pay, or Google Pay. A secure custodial smart wallet will be created behind the scenes, eliminating Web3 friction while still delivering the benefits of on-chain technology to event organizers. This phase is designed for maximum accessibility, ease of adoption, and regulatory compliance. Phase 2 in early 2026 will feature the introduction of a native self-custody wallet option, giving users the flexibility to hold and manage their own blockchain-based tickets directly. This feature will appeal to more advanced Web3 users seeking greater autonomy and control. Gappelberg emphasized that this dual-track strategy positions Nextech3D.AI to participate in both the primary ticketing market and the lucrative secondary resale market, which is currently dominated by legacy incumbents. By combining the security of blockchain with a scalable revenue model, the company aims to disrupt the industry with a fan-friendly, organizer-focused platform that bridges mainstream accessibility with next-generation Web3 innovation. #nextech3d.al #otcqx #nexcf #cse #ntar #EvanGappelberg #ARway #AugmentedReality #SpatialMapping #IndoorNavigation #MapDynamics #EventTech #TradeShowSolutions #TechStocks #ARRevenueGrowth #3DTechnology #ProactiveInvestors #aws #amazonwebservice #tickets

✈️ Lufthansa hat mein Gepäck in Frankfurt liegen lassen! Wunderschönen guten Tag. Was ist passiert? Das, was wahrscheinlich jeder mal erlebt: Das Gepäck kommt nicht an. Ich stand am Gepäckband – ein Koffer nach dem anderen, aber meiner kam nicht. Und ich dachte mir: „Ich bin doch Business Class geflogen – sollte das nicht schneller gehen?“ Dann kam die Anzeige: „Gehen Sie zur Gepäckermittlung.“ Dort: eine Riesenschlange. Viele ältere Menschen, manche auf dem Weg zur Kreuzfahrt. Das Schiff fährt um 18 Uhr – Gepäck nicht da. Nur eine Person am Schalter. Dann sagt ein Flughafenmitarbeiter: „Sie müssen den Verlust am Automaten melden.“ Ich: „Ich bin Business Class.“ – „Ach so, dann bitte an den Schalter.“ Panik bei den anderen. Viele wussten nicht, wie der Automat funktioniert. Ich hätte da auch keinen Nerv gehabt. Zum Glück kam eine nette Dame raus. Sie sagte mir: „Ihr Gepäck ist in Frankfurt. Kommt um 17:20 Uhr.“ Ich: „Ich kann nicht warten – ich habe eine Veranstaltung.“ Sie: „Dann schicken wir es Ihnen heute Nacht ins Hotel.“ Klar... Wunschdenken. Natürlich kam es nicht in der Nacht. Was habe ich daraus gelernt? Sich aufregen bringt nichts. Kostet nur Energie. Wer cool bleibt, gewinnt. Beim Einchecken hieß es noch: „Unser Gepäckförderband geht nicht.“ Ich fragte: „Sicher, dass das Gepäck ankommt?“ – Antwort: „Kein Problem.“ Und ich dachte: Wenn jemand „kein Problem“ sagt, wird's meist eins. Am Abend versuchte ich die Hotline zu erreichen – keine Reaktion. Dann fragte ich ChatGPT: „Was mache ich jetzt?“ Antwort: „Geh einkaufen.“ Um halb eins nachts. Mit meiner Größe. Klar... Dann der Vorschlag: „Wasch deine Kleidung mit Shampoo und trockne sie mit dem Föhn.“ Mitten in der Nacht? Nein, danke. Ich lag im Bett und dachte: „Wie geht das jetzt weiter?“ Zwei Tage Veranstaltung, dann Flug nach München – große Konferenz. Aber dann: Loslassen. Ich sagte mir: „Du bist gesund, hattest eine tolle Veranstaltung. Alles ist gut.“ Zahnbürste und Naturkosmetik hatte ich im Aktenkoffer – immerhin. Am Morgen dann zum Mietwagen. Wieder warten. Der einzige verfügbare Wagen: ein Ford Transit 8-Sitzer – Ich wollte einen SUV. Aber: Ich musste zur Veranstaltung. Also los mit dem Bus – neues Fahrgefühl, hoch sitzen hat was. Um 7 Uhr dann der Anruf: „Ihr Gepäck ist unterwegs.“ Ich bin gespannt. Learning? Erstes Mal, dass mir das passiert ist. Was mache ich künftig? ➡️ Nur noch Handgepäck. ➡️ Reduzieren. ➡️ Nicht mehr auf Koffer warten. In der Business Class kann man viel mitnehmen – aber wenn alles im Handgepäck ist, hast du kein Drama. Und das ewige „Warum?“ bringt nichts. Warum bin ich geflogen? Warum nicht Zug? Egal. Entscheidung getroffen = Entscheidung tragen. Nicht zermürben mit „hätte, wäre, wenn“. Leben ist das, was jetzt gerade passiert. Fazit: Ich bin dankbar. Heute Morgen gesund aufgewacht. Ostsee vor der Tür. Tolle Veranstaltung. Guter Austausch. Viele Learnings. Das ist das, was zählt. Genieß dein Leben. Hab Freude. Und sei dankbar. Das ist das Wichtigste. In diesem Sinne: Tschüss, bye bye, dein Ernst. Hashtags: #Lufthansa #Gepäckverlust #BusinessClass #TravelFail #Reisealltag #Mindset #Dankbarkeit #Learning #Handgepäck #Reiseplanung #Geduld #FokusAufsWesentliche #ErnstErzählt #Ernstcrameri Hier findest du eine Übersicht aller aktuellen Seminare https://crameri.de/Seminare  Crameri-Akademie Wenn Du mehr über diesen Artikel erfahren möchtest, dann solltest Du Dich unbedingt an der folgenden Stelle in der Crameri-Akademie einschreiben. Ich begleite Dich sehr gerne ein Jahr lang als Dein Trainer. Du kannst es jetzt 14 Tage lang für nur € 1,00 testen. Melde dich gleich an. https://ergebnisorientiert.com/Memberbereich Kontaktdaten von Ernst Crameri Erfolgs-Newsletter https://www.crameri-newsletter.de Als Geschenk für die Anmeldung gibt es das Hörbuch „Aus Rückschlägen lernen“ im Wert von € 59,00 Hier finden Sie alle Naturkosmetik-Produkte http://ergebnisorientiert.com/Naturkosmetik Hier finden Sie alle Bücher von Ernst Crameri http://ergebnisorientiert.com/Bücher Hier finden Sie alle Hörbücher von Ernst Crameri http://ergebnisorientiert.com/Hörbücher Webseite https://crameri.de/Seminare FB https://www.facebook.com/ErnstCrameri Xing https://www.xing.com/profile/Ernst_Crame

Henry Yoshida of Rocket Dollar explains how to use IRAs for real estate, crypto, and private deals—unlocking $18T in retirement funds for alternatives.In this episode of RealDealChat, Jack sits down with Henry Yoshida, co-founder & CEO of Rocket Dollar (a subsidiary of Retired.com), to explore how investors can unlock the power of retirement accounts for real estate, crypto, and private investments.Henry shares his journey from financial advisor to wealth-tech entrepreneur, building platforms that custody over $12B in assets. He explains why traditional advisors rarely mention self-directed IRAs, how Rocket Dollar makes alternative investing as simple as wiring money, and what rules you must follow to stay compliant.Here's what you'll learn in this conversation:Why 98% of IRA money is still stuck in public stocks & bondsThe truth about “self-directed IRAs” and how they actually workThe only two things you cannot invest in with IRA dollarsHow to buy real estate (single family, syndications, funds) inside an IRARules around prohibited transactions & why sweat equity is riskyHow Rocket Dollar integrates bank accounts with IRAs for easy investingCrypto, private equity, and unusual investments allowed in IRAsMarket trends: why investors are seeking alternatives beyond the S&P 500The $35 trillion opportunity in retirement funds waiting to be unlockedKey tax advantages of using retirement dollars for real estate

In this episode of Reboot IT, host Dave Coriale, President of DelCor, is joined by Andrew Leggett, Director of Cybersecurity, and Chris Ecker, CTO, to explore the evolving cybersecurity landscape for associations and nonprofits. They discuss the shift toward phishing-resistant MFA, the impact of AI on cyberattacks, and the importance of layered security strategies. The conversation emphasizes how organizational culture, user training, and smart technology choices work together to protect sensitive data and systems. Themes and Topics: Phishing-Resistant MFA Traditional MFA tokens are vulnerable to interception during phishing attacks. Passkeys and QR codes offer encrypted, device-specific authentication. User experience improves with passwordless logins and fewer steps. AI-Enabled Cyber Threats AI lowers the barrier to entry for attackers by automating phishing and scripting. Tools like Copilot can be used maliciously to locate sensitive data quickly. Organizations must train users to monitor prompt history and unusual activity. Layered Security Strategy Effective cybersecurity requires training, monitoring, and prevention tools working together. Threat detection systems vary in effectiveness depending on configuration and attacker location. Layering includes phishing-resistant MFA, identity monitoring, and user education. Cybersecurity Culture & Training A top-down approach is essential; executives must model secure behavior. Encouraging users to report suspicious activity without fear of blame is key. Training must be ongoing and integrated into organizational culture. Copilot and Oversharing Risks Copilot indexes all tenant data and honors existing permissions, but overshared files are vulnerable. Organizations must audit and remediate permissions in SharePoint, OneDrive, and email. Misconfigured access can expose sensitive data like salary or ACH info. Cyber Insurance & Compliance MFA is already a requirement for most cyber insurance policies. Phishing-resistant MFA may soon become a standard requirement. Organizations without it may face higher premiums or denial of coverage. 

Wie konnte das nur so schnell eskalieren? Diese Frage stellen sich gerade viele Löwen-Fans - und wohl auch die verantwortlichen Beteiligten. Während man vor gut einer Woche von Platz zwei grüßte, herrscht nach zwei desaströsen Löwen-Auftritten Weltuntergangsstimmung an der Grünwalder Straße. Der Trainer ist angezählt, die Mannschaft wirkt blutleer. Gleitet dem TSV 1860 München eine Saison, die so gut werden sollte, früh aus den Händen? Oder gibt es den Turnaround? In Folge 186 dreht sich vieles genau darum. Wir haben so viele Hörer-Meinungen wie noch nie, Flo und Anja melden sich fast live von der Wiesn und unser Experte Daniel Wein spricht darüber, wie sich eine Mannschaft aus einer solch schweren Lage befreien kann und vor allem, welche Rolle der Trainer dabei spielt? Viel Spaß beim Hören! **Bewertet und abonniert uns!** Lasst uns gerne eine Bewertung da und abonniert uns in eurem Podcast-Player, um keine Folge zu verpassen. Ach ja, und in den Sozialen Medien versorgen wir euch natürlich auch mit Inhalt bei [Facebook](https://www.facebook.com/giesingerbergfest), [Instagram](https://www.instagram.com/giesingerbergfest/), [Bluesky](https://bsky.app/profile/giesingerbergfest.bsky.social) und und [Twitter/X](https://x.com/GiesingBergfest). Übers Bergfest-Fon erreicht ihr uns via WhatsApp unter der Nummer: 0162/1517854. **Unterstützt uns!** Euch gefällt der Löwen-Stammtisch und ihr wollt uns unterstützen? Schaut gerne mal bei [giesinger-bergfest.de/support](https://giesinger-bergfest.de/support/) vorbei und erfahrt, wie das geht!

Der tristar-Titel 'People & Culture' beschreibt Christian schon ziemlich treffend. Denn er sorgt dafür, dass sich die Mitarbeiter im Unternehmen mehr als wohlfühlen. Aber wusstet Ihr, dass er als gelernter Restaurantfachmann zunächst mit der Hotellerie nur wenig zu tun hatte und auch keine Hotelausbildung folgte? Christian ist mein bisher einziger Gast, der ausschließlich mit einer Restaurantfachausbildung in die Führungsetage eines Hotelunternehmens aufgestiegen ist (alle anderen hatten eine Gastro- und Hotelausbildung). Im Rahmen dieser begann in Bonn im 'La Redoute', das damals zu den Günnewig Hotels & Restaurants gehörte. Die Gastrokarriere setzte sich auf der MS Europa fort, bis das Phantasialand rief. Und hier nahm im Ling Bao die Hotelkarriere von Christian ihren Anfang. In der 2013 von Fattal aufgekauften Queens Moats Houses Management GmbH wurde die Sales-Expertise erweitert und führte danach in die Schweiz ins Palace Luzern und, oha, zu Apple. So war der Grundstein gelegt für seine seit fast neun Jahren andauernde Berufung bei der tristar GmbH in Berlin. Was sind dort als Head of People & Culture seine Aufgaben, wie schnell reagiert er auf Mitarbeiterbewertungen und wie schafft es der Betreiber tristar, die verschiedenen Hotelmarken mit ihren Eigenheiten unter einen Hut zu bekommen? Ach ja und dann ist da noch die HSMA, in der Christian seit sechs Jahren ehrenamtlich tätig ist. Jetzt stellt er sich gemeinsam mit Christian von Rumohr und Alexandra Weber als Präsidiums-Tandem zur Verfügung. Was sind ihre Ziele, sollten sie denn gewählt werden? Gutes Hören beim Podcast Nr. 105 - dem aus einem Dorint-Hotelzimmer...

“We work with a lot of MSPs to help automate accounting and bookkeeping tasks they might still be doing manually,” says Alexa Vilca of FlexPoint, speaking at the MSP Summit. FlexPoint offers a purpose-built accounts receivable solution designed to improve cash flow and visibility for MSPs. The company's white-label payment portal allows end customers to log in, make payments easily, and choose flexible options, including credit card, debit, ACH, and even short-term financing. Vilca notes that the short-term financing option comes at no risk to the MSP, while enabling providers to extend flexibility to their clients and accelerate receivables. By streamlining collections and automating manual AR tasks, FlexPoint helps MSPs reduce overhead and focus more time on core business. Learn more: https://getflexpoint.com

Chuaigh na mílte Gaeilgeoirí chun sráide i mBaile Átha Cliath Dé Satharn sa chéad agóid náisiúnta ar son na Gaeilge san ardchathair le breis agus deich mbliana. Ach an raibh duine ar bith ag éisteacht leo? Ar Seachtain, phléigh na hiriseoirí Áine Ní Bhreisleáin agus Ciarán Dunbar faoin mórshiúil stairiúil le Tessa Fleming. Foclóir: • Éileamh: Demand • Fiúntas: Merit or value • Aird: Attention • Gríosaigh: Incite • Meastachán: Estimation • A neartú: To strengthen • Feiceáileach: Visible • Cuí: Proper • Feirsteach: Someone from Belfast • Bratach: Flag • Tapaigh: To seize or grasp • Díolúintí: Exemptions • Breatnaise: Welsh • A dhath: Diddly-squat or nothing • Tithe folmha: Vacant homes • Maram: I suppose • Cáinaisnéis: Budget See omnystudio.com/listener for privacy information.

jQuery(document).ready(function(){ cab.clickify(); }); Original Podcast with clickable words https://tinyurl.com/284tlwcd Contact: irishlingos@gmail.com Thousands participate today in a major protest, RIGHTS, for the language. Na mílte páirteach inniu i mór-agóid, CEARTA, ar son na teanga. Thousands took part today in a major national protest on behalf of the Irish language and the Gaeltacht. Ghlac na mílte páirt inniu i mór-agóid náisiunta ar son na Gaeilge agus na Gaeltachta. The protest was called RIGHTS, and people came from all over the country to attend. CEARTA ab ainm don agóid, agus tháinig daoine ó gach cearn den tír le freastal uirthi. The crowds marched from Parnell Square to Leinster House. Mhairseáil na sluaite ó Chearnóg Parnell go dtí Teach Laighean. Irish and Gaeltacht groups participated, along with schools, third level students, co-operative teachers, musicians and families. Bhí grúpaí Gaeilge agus Gaeltachta páirteach ann, mar aon le scoileanna, mic léinn triú leibhéil, múinteoirí comharchumainn, ceoltóirí agus teaghlaigh. CEARTA was the first such national protest on behalf of the Irish language and the Gaeltacht in over a decade. Bhí CEARTA ar an gcéad agóid náisiúnta dá leithéid ar son na Gaeilge agus na Gaeltachta le breis agus deich mbliana anuas. Among their demands, they are seeking fair funding, the right to live in the Gaeltacht, reform of the education system, and the fulfillment of long-promised language rights, Conradh na Gaeilge said today. I measc na n- éileamh atá acu, tá siad ag lorg maoiniú cothrom, an ceart chun cónaí sa Ghaeltacht, athchóiriú ar an gcóras oideachais, agus comhlíonadh cearta teanga a gealladh le fada, a dúirt Conradh na Gaeilge inniu. In a statement issued by the Department of Rural, Community and Gaeltacht Development today, Minister Dara Calleary said that he is currently focusing on securing more funding for the language and the Gaeltacht in Budget 2026. I ráiteas a chuir an Roinn Forbartha Tuaithe 's Pobail agus Gaeltachta ar fáil inniu, dúirt an tAire Dara Calleary go bhfuil sé ag díriú faoi láthair ar níos mó maoinithe a fháil don teanga agus don Ghaeltacht i mBuiséad 2026. He also indicated that investment in the language has increased over the past five years. Thug sé le fios freisin go bhfuil ardú tagtha ar infheistíocht sa teanga le cúig bliana anuas. "It's true that we have more funding now." "Tá sé fíor go bhfuil nios mó maoinithe againn anois. "But that is true for every sector," said Julian de Spáinn, Secretary General of Conradh na Gaeilge at the protest today. Ach tá an méid sin fíor i gcás gach earnála" a dúirt Julian de Spáinn, Ard-Rúnaí Chonradh na Gaeilge ag an agóid inniu. "It's easy to have 'more' when the starting point is so low at first." "Tá sé furasta ‘níos mó' a bheith agat nuair atá an túsphointe chomh híseal ar dtús. The government spends only 0.1% of state expenditure on Irish and Gaeltacht matters. Ní chaitheann an rialtas ach 0.1 faoin gcéad de chaiteachas an stáit ar chúrsaí Gaeilge agus Gaeltachta. "That is scandalous and there is no other option now than to radically increase funding." Tá sé sin scanallach agus agus níl aon rogha eile anois seachas ardú radacach a dhéanamh ar an maoiniú." The protest also focused on language rights in the north. Díríodh freisin le linn na hagóide ar chearta teanga ó thuaidh. An Dream Dearg is a pressure group for the language in Northern Ireland. Is brúghrúpa ar son na teanga i dTuaisceart Éireann é An Dream Dearg. A spokesman for that group, Ciarán Mac Giolla Bhéin - who is also the current President of Conradh na Gaeilge - said that despite the Identity and Language Act being in force in the north for the past few years, the rights promised therein have been slow to come, with the DUP constantly obstructing any progress in that area, he said. Dúirt urlabhraí de chuid an ghrúpa sin, Ciarán Mac Giolla Bhéin - atá ina Uachtarán ar Chonradh na Gaeilge faoi láthair f...

Falls ihr euch fragt, weshalb wir uns die Frage stellen, ob man schwanger auf einen Rave darf, hört gerne rein. Wir nehmen euch wieder mit in unseren ganz normalen Wahnsinn.Ehrlich, ungefiltert und mit einer großen Portion A&O-Vibes – so wie immer eben.Ach ja, falls ihr am 20.09.25 noch nichts vor habt - kommt gerne zu unserem Flohmarkt! Wo? Café Bona, Heinrich-Baumann-Str. 21, StuttgartWann? 10 - 12.30 UhrUnd abends zur Summer closing Party: Wo? Claus Eismanufaktur, Tübingerstr. 41, StuttgartWann? ab 18:30 Uhr - late

Turning a side hustle into a profitable business is exciting, but sloppy bookkeeping and unclear invoices can drain your energy—and your wallet. In this AI-enhanced revisit, Rob Broadhead and Michael Meloche share a practical playbook for mastering side hustle finances, from clean record-keeping to professional billing. Why Side Hustle Finances Matter from Day One A side hustle isn't “extra cash”—it's a business. Rob warns that ignoring taxes or mixing personal and business funds can lead to stressful bills or legal trouble. Famous entertainers have learned this the hard way, and so can new entrepreneurs. Treat every paid project like a true business. Without strong side hustle finances, you can't see profits, plan for taxes, or protect yourself legally. Michael adds that registering an LLC shields personal assets but also demands accurate books: “If you can't track your personal budget, learn fast for your business.” Building a Side Hustle Finances Foundation The first step in managing side hustle finances is to separate them. Open a dedicated business bank account and credit card to keep personal funds safe and simplify reporting. A credit card provides fraud protection and reward points if you pay it off monthly. Choose tools that fit your stage: Wave (free tier), QuickBooks Self-Employed, FreshBooks, or Google Sheets. Snap photos of receipts and store them digitally so every expense is documented. Pro Tip: Pay off the business credit card monthly. You'll earn rewards and maintain a clean paper trail without carrying debt. Professional Invoicing for Healthy Cash Flow Clear, professional invoices are a cornerstone of good side hustle finances. Include: Business and client contact info Project details and dates Explicit payment terms (Net 30, due on receipt, or milestone-based) Offer multiple payment methods—Stripe, PayPal, ACH—and embed a “Pay Now” button to speed up processing. Rob notes that many companies pay at the last possible moment, so set firm terms and late-fee policies from day one. Challenge: Review your current invoice template. Does it clearly state deadlines and late-fee penalties? Update it before your next project. Managing Cash Flow and Hidden Costs Large deposits can trigger bank holds, especially if you've rebranded or opened a new account. Plan ahead so you can cover payroll or expenses without tapping personal savings. Understand the real cost of every payment method. Credit-card and ACH fees can quietly chip away at profits, so build those numbers into your pricing. Contracts and Boundaries Before starting any project, define what “done” means and capture it in a written agreement. Even a simple contract from LegalZoom can protect your work and ensure you're paid. No contract, no work. Require deposits and pause projects if clients miss payments. Never deliver final source code until the check clears. Key Takeaways for Side Hustle Finances Treat your side hustle like a business from day one. Separate accounts and track every expense with reliable tools. Send professional invoices with firm terms and enforce them. Anticipate bank delays and processor fees to keep cash flowing. Use contracts and deposits to protect your time and income. By following this side hustle finances playbook, you'll not only stay organized and get paid on time—you'll also build the financial habits that turn a part-time gig into a thriving business. Stay Connected: Join the Developreneur Community We invite you to join our community and share your coding journey with us. Whether you're a seasoned developer or just starting, there's always room to learn and grow together. Contact us at info@develpreneur.com with your questions, feedback, or suggestions for future episodes. Together, let's continue exploring the exciting world of software development. Additional Resources Financial and Accounting Applications (Free and Low Cost) Accounting For The Entrepreneur Estimation Essentials: How to Nail Pricing for Development Projects From Side Hustle to Success The Developer Journey Videos – With Bonus Content

Klar, irgendwann musste sie passieren, die erste Löwen-Niederlage dieser Saison. Aber so? Sechzig lässt sich an der Ostsee von Hansa Rostock eine Halbzeit lang vorführen und dabei vieles vermissen, worauf es in der 3. Liga ankommt. Und als ob der herbe sportliche Dämpfer nicht schon genug wäre, verletzt dabei auch noch Kapitän Jesper Verlaat mutmaßlich schwer. Wie geht der TSV mit dem ersten großen Rückschlag der Saison um? Darüber sprechen Flo und Alex in Folge 185. Viel Spaß! **Bewertet und abonniert uns!** Lasst uns gerne eine Bewertung da und abonniert uns in eurem Podcast-Player, um keine Folge zu verpassen. Ach ja, und in den Sozialen Medien versorgen wir euch natürlich auch mit Inhalt bei [Facebook](https://www.facebook.com/giesingerbergfest), [Instagram](https://www.instagram.com/giesingerbergfest/), [Bluesky](https://bsky.app/profile/giesingerbergfest.bsky.social) und und [Twitter/X](https://x.com/GiesingBergfest). Übers Bergfest-Fon erreicht ihr uns via WhatsApp unter der Nummer: 0162/1517854. **Unterstützt uns!** Euch gefällt der Löwen-Stammtisch und ihr wollt uns unterstützen? Schaut gerne mal bei [giesinger-bergfest.de/support](https://giesinger-bergfest.de/support/) vorbei und erfahrt, wie das geht!

We're back. J is feeling much better, as are the crew.First J mentions Robert Redford and checks in about ACH, GVBC & Newcomb's Ranch. #respectthecrestThen, Rylic Alexander is back to talk Oh Shift!, tell us all how to win at YouTube, and how he keeps it real in life and on social media.With @babesinclassics and @mc3films LIVE in studio and Devin @autojourney LIVE via satellite.Plus YOU in the comments through-out the show. Thank you for being here! ❤️#latenightplayset #talkshow #podcast

Toni rennt sich im Hyrox den Puls hoch, Felix trainiert eher fürs Sofa. Und irgendwo dazwischen liegt der Berlin Marathon. Dazu gibt's Basketball-Euphorie über die deutsche Nationalmannschaft, ein Manchester-Derby zum Vergessen (zumindest für United-Fans) und das große Rätselraten, wer in der Bundesliga nach drei Spieltagen noch Trainer sein darf. Toast (ungetoastet) mit Honig wird zum Marathon-Geheimnis erklärt, und Greifswald stolpert über den Tabellenstrich. Ach ja – und Felix hat jetzt ein eigenes Nachrichtensegment. Spoiler: Sie heißt „Felix Fußball-Express“. Soso. Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/luppentv) Für Werbe- und Partnerschaftsanfragen im Podcast EINFACH MAL LUPPEN meldet euch hier: werbung@studio-bummens.de

Our Modern Finance series continues with episode three, featuring Steve Buchberger and Heather Dawood from Deluxe. We explored why more than 80% of businesses are still managing accounts payable manually — and the insights may surprise you. The pair explain how today's finance professionals are caught in a challenging paradox: highly skilled individuals spending countless hours on manual tasks, serving as the frontline against fraud while having little time to implement strategic improvements. This has created peculiar workplace phenomena like "CFO Tuesdays," where executives come into the office specifically to manually process ACH payments – a clear misuse of talent and time.Beyond the inefficiencies, we explore the very real risks these outdated methods create. From human error and payment delays to check fraud and the burden of managing sensitive banking information, these challenges affect both operational efficiency and vendor relationships. As Heather pointedly observes, "Financial fraud was a white collar crime. Now it's an everyone crime."The conversation takes an encouraging turn as we unpack Deluxe's innovative approach to AP automation. Their solutions integrate directly with businesses' ERP systems to simplify payment processes regardless of method, while their recent acquisition of CheckMatch from Kinexys by J.P. Morgan creates a more secure digital alternative to mailing checks. Perhaps most compelling is how these improvements translate into stronger vendor relationships – offering payment choice, ensuring timely delivery, and providing transparency transforms the payment process from a potential friction point into a relationship-building opportunity.What stands out most is how Deluxe reframes AP from an operational burden into a strategic advantage. By delivering secure, streamlined processes and giving vendors more choice and transparency, automation transforms payments into a foundation for stronger, more trusting business relationships. 

"Mistikack", haben sich der schmarotzende Teil der Banausenhörerschaft gedacht als Fan-Favorit Alessandro vorgestern hinter einer Paywall zu hören war. Wir sind gnädig und lassen ihn nun doch auf die ganze Welt los. Ja ist denn schon Natale? Ach, noch etwas: wir haben ein kleines Easter Egg in die Episode gebaut, wer Alessandros Rezension findet, bekommt 1000 Euro!

Power of Dirndls and Lederhosen: Part 2Hans finds his confidence and the fraulein, too.Based on the post by cb summers, in 2 parts. Listen to the ► Podcast at Connected.PART TWO – October 6, 1992Normally I found it impossible to be spontaneous around hot chicks like this, but something about being in that costume, thinking about my grandfather's irrepressible charm brought out a boldness in me which I didn't normally possess. I put my arm around this hot, blue-eyed fraulein and said, in my worst German accent, “Yah, and dis here is mein liebchen, Helga Boob en schteen.”She corrected me comically, “Not Boob en schteen, Boob en schtein!” Everyone in the entire room laughed themselves silly. Then Helga loudly introduced the girls. “May I introducen mein fellow pledges from ze Tau Nu Upsilon Sorority? Ya, dis here is Gertruda Cock en suck en.”Everyone laughed at her crude pun, but I clicked my heels together very seriously, like a proper Austrian man, and said “Guten abend, Gertruda,” then I bowed and kissed the back of the adorable redhead's soft little hand.Helga went on, pointing to a busty little African American girl, who looked quite stunning in her bright orange dirndl. “And zis here is little Heidi Ho. Yah, she's an actual ho!” I clicked my heels together, and kissed Heidi's hand. “And dis vun here ist Muschi von Kitten licker.” Muschi, who had short black hair and snow-white skin, leaned forward and presented her cheek to me, so I kissed it, laying my lips on the second female of my life. Her skin was as soft as silk.Helga gestured toward a cute blonde with bright pink circles painted on her cheeks, saying, “And, finally, mein beste freunden, Hildegard Fuck me up the ass en stein, the third.” Hildegard laughed, then turned and wiggled her ass at me. I bowed deeply and said, “Very nice to meet you, Herr Fuck me up the ass en stein.” She wiggled her ass again, right in my face, so I leaned down a little farther and kissed her right on her behind, and the crowd went wild. I was surprising the shit out of myself. My grandfather's DNA was having a field day with my confidence. I raised my oversized prop stein, and shouted, “Beer! Ve must haff beer!”Helga had an identical stein, and so we filled them together from the keg and chugged them while everyone clapped, until they were empty. I saw that beer was leaking out of her defective stein and dripping all over her glorious, copper colored cleavage, making her white top wet enough for me to see the lacy blue bra she was wearing under it. Oh shit. I couldn't take my eyes off her tits. She caught me looking, but instead of getting mad, she just looked down at her breasts and said, “Oops. I can be zo clumzy zometimes, liebchen! You know how I am!” She ran her fingers over her soaked cleavage.I don't know what came over me, but I took her wrist in my hand and said, clicking my heels together, “Allow me, fraulein Boob en schtein.” And I wrapped my lips around her fingertips and licked them dry of beer. She just stared at me with the biggest smile on her face, and her eyes twinkling. My god! Who was I?I had no idea what to do next, but some joker saved me by playing a polka on the stereo. Without missing a beat, Helga shouted, “Shall ve dance, mein liebchen?” She didn't even wait for me to answer. She just grabbed my hand and dragged me to the middle of the floor and we started to polka.I'd been to a few polkas when I was a kid, so I knew the basic moves, and a few of the special ones, and I guess Helga had been to a few polkas too, because she kept right up with me. Soon, everyone was clapping and cheering and snapping photographs, and at least ten others, who knew how to polka, joined in, including Heidi Ho! Where a black girl learned to polka is anybody's guess. When the song finally ended, I lifted my stein and shouted the traditional Oktoberfest starting cheer, which for some reason popped to mind even though I thought I'd forgotten it years ago “O' zapft is! The Keg Is Tapped! Let Oktoberfest Begin!”After the ear-splitting cheer, the music switched back to hip hop, and the lights dimmed, and the disco lights began to flash, and soon Helga and I were dancing in the center of a crowd, this time gyrating like fools, just like everyone else on the dance floor. By the third song, I was utterly smitten with her. She had such a bold, fearless spirit, that I just let all of my nerdy inhibitions go, and danced, not caring how stupid I looked, because my eyes were glued to her. Her breasts. Her coppery face. Her stunning, sky-blue eyes. And she was looking right back at me, sometimes smiling, but sometimes with an expression on her face that reminded me of the expression I'd seen on Briona's face while Troy was fucking her. Damn. Helga was giving me sex face! It was unbelievably cool!The third song was a raunchy rap song that was bit that year, Baby Got Back, and suddenly Heidi Ho, Helga's black friend, appeared in front of me and started grinding her ass against my crotch. I'd never danced like this before, but there were other couples doing it, so I put my hands on her hips and grinded away. I started to get a boner, so I turned around, afraid she might feel it. But then Gertruda Cocken sucken, an adorable freckle-faced girl, with vivid red hair, started grinding her ass into my crotch instead, apparently unconcerned about the fact that I was rubbing my erection against her. Or maybe even enjoying it! It was an incredible feeling. Then Heidi put her arms around me from behind, and started grinding her crotch against my ass, and now I was sandwiched between two Bavarian hotties, feeling Heidi's firm tits rubbing all over my back. My mind was now officially blown. But I rolled with it. Why the fuck not? It was Oktoberfest!Midnight in the campus park.Then when that song ended, Hildegard Fuck me up the ass en stein switched with Heidi, and Helga von Boob en schtein switched with Gertruda, and now I was feeling Helga's large, coppery tits flopping back and forth across my back. Hildegard was a bit drunk by this time, so she leaned forward and started rubbing her ass up and down, grinding her pussy against my cock, making it look exactly like I was fucking her. She even started making orgasmic sounds. And I realized that in all likelihood, my cock was actually rubbing against more than just her ass. In fact, it might be rubbing right against her tight little pussy! Shit, this was getting way out of hand! Then I noticed that the older sisters in her sorority were watching us with great amusement. Maybe this was part of their initiation ceremony. But I didn't care. If she wanted to dry hump me in a room full of people, more power to her. She even grabbed my wrists and pulled my hands up to her tits! Oh shit! They weren't all that big, but I could feel the hard lumps of her nipples bouncing under my fingers as I squeezed her little grapefruits.I began to feel the warning signs of an impending orgasm coming on strong. Oh my god, I was going to blow my load feeling the first tits of my life! But at just the last minute, the final girl in Helga's harem, Muschi von Kittenlicker, pushed Hildegard aside, but instead of grinding her ass against mine, she faced me and started gyrating against me in time with Helga behind me. Now two sexy women were rubbing her tits against me, and my cock got enough of a reprieve that my urge to cum faded mercifully away.Muschi's paper pale face was flush with devastating sexiness, but she wasn't looking at me. She was looking past me at Helga. And in spite of how much I was enjoying this once-in-a-lifetime experience, I think I detected pure infatuation in Muschi's expression. She didn't make eye contact with me even once, but she kept licking her lips as if she wanted to kiss someone. I bent toward her, suddenly excited about kissing another girl, but she just shifted to the other side, her eyes staring past me, and looking down at Helga's ample cleavage. Oh shit, she wants to kiss her friend! I turned to look at Helga's beautiful copper colored face in the flashing disco light, but she appeared to be totally unaware of Muschi's lustful looks.The song changed, and now all the Bavarian girls crowded around me and began to rub their bodies and asses, all over me. It was dark, and the lights were flashing, and I had no idea who was who, but my hand definitely squeezed another girl's breast for a few seconds, maybe Heidi Ho's and I also fondled a couple of their asses, running my fingers over their delightful ass-cracks. It was almost like I was in some kind of fully clothed orgy!But then, halfway through the song, a hand grasped mine, and pulled me off the dance floor. It was Helga Boobenschtein. She grinned back at me as she pulled me out the front door, leaving her friends behind, obviously sick of sharing me with them. She wanted me all to herself. That was just fine with me. It was getting pretty weird anyway. Helga and I ran hand in hand through the campus, laughing like lunatics. I suppose the beer had gone to our heads, because we were utterly silly with hilarity. I never was much of a drinker. When we'd run ourselves tired, we sat down on a bench, still holding hands.After she caught her breath, she said in her regular voice, “I lied to you earlier, my name's not really Helga Boobenschtein.”“Ach du lieber! I'm shocked! Is it Boobenschteen after all?”She laughed and said, “No. My real name is Annie Stoltz. And yes, that is a German name.”I dropped the accent and said, “You sure don't look German!”“No, my mother's Brazilian. I got my black hair and dark skin from her. But I learned to polka from my dad. He also gave me these eyes.” Indeed, her eyes were the most amazing baby-blue color I'd ever seen. They almost glowed against her copper colored face.“Well, I have a surprise for you too. I'm not really Helmutt von Wiener. My name is Hans Willis.”Annie laughed, “You have German name too? That's too perfect!”“My grandpa's from Austria, and my grandma from my mother's side is Bavarian.”“Oh my god. What are the odds that two half-Germans would meet at an Oktoberfest party in Illinois, dressed in matching costumes? It's a good thing I don't believe in fate, or I'd say it was fate.”I laughed, “I don't believe in fate, either, but show me the evidence, and I'll be happy to reconsider. But in any large sampling, like life, coincidences are bound to happen. And they have to happen to somebody. In this case, to us.”“Spoken like a true scientist, Hans.”I smiled. But for some reason, I wanted to avoid talking about science. That's what had derailed my date with Briona. So instead I said, “That party was off the hook!”She blushed. “I'm sorry about the girls. They're a bunch of sluts. Except for Muschi, her real name is Barbara. She's a lesbian.”“Yeah. I kinda noticed. And I think she has the hot for you, Annie.”Annie laughed, “I know. I know. I keep telling her I'm not into it, but she just won't give up. But I love her to death. And you enjoyed our little dance, didn't you?”I had no words for how much I'd enjoyed our dance. So I just blushed and smiled.She laughed and squeezed my hand, giving me a strange erotic thrill. Then she said, “I've seen you around the labs. What's your major?”“General science.”She grinned, “Yeah? I might do that too, but I'm just a freshman. I'm taking a bunch of different classes this year until I figure out what my passion is. But it's definitely in the sciences. I love science. I love science. I'm taking this biology class right now, and we're learning all about the…”As she bubbled with enthusiasm about biology, her face absolutely glowed, in spite of her dark skin. She just seemed to radiate a luminosity that filled my heart with a feeling so powerful that I was on the verge of laughter or tears. I had the overpowering urge to tell her how much I loved science too, but remembering how things went with Briona, I did something else instead.I kissed her.It was a sudden impulse, perhaps inspired by Grandpa's mischievous DNA, and I acted on it without getting hung up by my normal crippling uncertainty. I didn't even wait for her to finish her current sentence. I just leaned toward her and planted my lips on hers. She didn't push me away or slap my face. Instead, she threw her arms around me, pulled me closer on the bench, and kissed me back, deeply, passionately, lustfully as if she'd been waiting for this moment her entire life. Her mouth opened and our tongues began to polka. This sweet, funny, brainy girl was a seething well of passion under that fun-loving surface. She was moaning into my mouth in no time at all, clearly enjoying this amazing kiss every bit as much as me.We must have made quite a tableau in our costumes, making out like crazy on a bench in the center of the quad, illuminated by a nearby streetlight. I could hear people walking by, occasionally snickering or making crude comments. But I didn't care. This was my first French kiss, and I had no intention of letting embarrassment cut it short. And the longer we kissed, the more I dialed out the rest of the world, until there was only the two of us, and our tongues, and our lips, and our hearts.Suddenly she turned and straddled me, and I enjoyed the feel of her breasts heaving against my chest. By this time I had a massive erection, so I held her back a bit, to prevent her from feeling it.She started shivering, and said, “My legs are freezing”. I took that as an invitation to help warm them up, so I put my hands on her calves, which were splayed out on the bench on my left and right. Some girls, like Muschi, have baby-soft skin, but not Annie. Her skin felt thick and smooth and was covered with a soft, almost invisible peach fuzz. The feel of her flesh made my cock throb with desire. I'd never felt anything so amazing in my life. It felt like suede leather, only softer and suppler.She began humming happily in my mouth as I rubbed her calves. I moved my hands up higher, my fingers slipping under the edge of her skirt to rub her soft thighs. Then with each stroke of my hands, I went a little higher under her skirt. I expected her to tell me to stop at any moment, but she didn't. Finally my fingertips touched the edge of her panties, and a few strokes later my hands were all the way onto her ass, cheeks, squeezing them through the soft, stretchy cotton of her undies. She giggled, but she didn't make me stop. I loved the feel of her ass wiggling under my hands as she laughed.Then, unexpectedly, she slid forward on my lap, pressing her crotch against my hard on. She gave a lustful little gasp, as did I. I couldn't believe how well this was going! The only thing separating my cock from her pussy was a few thin layers of fabric. It was insanely erotic, and all the while we explored each other's mouths with our tongues, absolutely breathless with passion.We kissed and kissed and kissed in this position for the longest time. The campus clock struck 1, then 2. I couldn't believe we'd been at it for so long. But I knew it couldn't last forever. There were classes tomorrow and we were both dedicated students. So, reluctantly, we pulled back and just looked into each other's eyes for a while. I found that to be ten times more intimate than kissing. For the first time in my life, I could look into a woman's eyes without glancing away nervously after a few seconds. I could look into Annie's baby-blue eyes forever.Carnal Knowledge In the Woods.She said, “Would you care to escort me back to my dorm, liebchen?”“But of course, fraulein.” I was sad when she squirmed off my lap. I had the sinking feeling that this was a one shot deal. In the light of day she'd notice how crooked my teeth were. She'd notice my acne scars and wiry hair. But we walked, hand in hand, like boyfriend and girlfriend, and I started to think, maybe, just maybe, a second date?She led me on a roundabout route, rather than the direct way to her dorm. It took us into the dimly lit park next to Davenport ravine, which was totally deserted. We waded through drifts of fallen leaves. I put my arm around her waist and snuggled her close. My palm was tucked right under her right breast, which would occasionally bounce down against the top of my thumb, giving me an incredible thrill each and every time. I was trembling with lust. I wanted to move my hand higher, but I was afraid of overstepping. But then it occurred to me that Annie was my girl now. I don't know how I knew it, I just did. It gave me the confidence to cup her breast in my hand. She hummed and leaned her head against mine and squeezed my waist tighter. We walked that way for a while. I thrilled at the feel of her soft, squishy boob bouncing playfully in my fingers. I even felt her nipple getting harder against my palm. And the heft of her breast was amazing. The bulge in my lederhosen was pointing straight ahead.I could see the bright windows of her dorm getting closer over the treetops, and I knew this magical night would soon be over. This was a girl's only dorm. Boys weren't allowed in at any time. But she steered me off the path toward a huge thicket of bushes near the center of the park. Then she got down on her hands and knees and said, “Follow me, Hans.” She crawled into a dark opening in the branches, which I'd never noticed before. I followed. It was a dark and thorny little tunnel, but I could see her silhouette ahead of me, and I could hear the thorns scratching at the edges of her skirt. A chill of fear swept through me suddenly. Fear of the unknown, I guess. Fear of dark places.The thorny tunnel took a few twists and turns, but eventually I saw her crawling out into the moonlight ahead of me. She stood up and smiled at me as I climbed out of the tunnel into a small clearing in the center of the giant thicket. I wondered how many people knew about this secret place?We were totally alone. Moonlight twinkled in her eyes and we kissed again. She pulled me close, then pulled me over with her into a pile of leaves that had collected in the center of the clearing. We laughed. I kneeled over her, my legs straddling her thighs. I looked down, mystified by her beautiful moonlit face. She put her hands on her blouse and pulled the front of it down, all the while looking at me with an intensely trusting and intimate expression. She had a thin baby-blue bra under the blouse, through which I could see the dark circles of her areolas.She reached up and pulled my face down into her coppery cleavage, and I breathed in her powdery perfume and kissed her supple skin, in circling motions, hardly believing this was happening, until I was kissing her hard nipple through the thin fabric of her bra. She groaned in pleasure and suddenly pulled the front of her bra down, exposing her moonlit breasts to me. Her areolas were chocolate brown. I took one of her large nipples into my mouth and circled it with my tongue, and bit it lightly with my teeth, making her giggle. This was an absolute dream come true, but it was only getting better with each passing second.As I switched to kissing and licking her other breast, she opened her legs, and I shifted so I was kneeling between them. I lowered myself onto her, pressing my hard-on into her crotch, and began to grind myself against her, softly at first, but with growing urgency. She ran her fingers through my hair, then began to push my head downward. For a second I thought she wanted me to stop licking her boobs, but she kept pushing me down with one hand, while she pulled up her flouncy skirt with the other. Soon my face was inches away from her lacy blue panties. There was a large wet spot in the center of the blue lace. I saw it only for a second before she pulled my face down into her warm wet crotch. I was overwhelmed by the musky moistness of her. I'd caught a whiff of Briona the night she fucked Troy, but now that I was buried in an actual pussy, I took a deep breath of her animalistic aroma. Good grief, I loved it!I grabbed her suede-soft thighs with both hands and began kissing her pussy through the lacy fabric, licking the tender flesh of her labia on either side, which made her moan with delight. I worked my tongue around the edge of the panties, slowly pulling the edge of it inward, exposing more of her tender flesh. I felt her downy black pubic hairs tingling across my tongue. I pulled at them playfully with my lips. She laughed, then groaned. I teased her for a while, licking the left side, then the right, moving ever inward, but not all the way. She twisted about passionately trying to make me go further, but I playfully delayed, as much to entice her as to prolong the moment for me. This was, without doubt, the greatest night of my life, and I wanted it to go on forever. Finally she couldn't wait any longer, so she reached down and pulled her panties all the way open and pulled my face into her warm wet pussy. My nose buried itself in her downy bush, and my tongue slipped between her swollen lips. She tasted incredible.“Oh, liebchen…” she moaned, “that feels so good.”Although this was my first time, I'd listened to Briona's instructions as Troy ate her out, so I had a general idea of what to do. For the next half hour or more I ate Annie's sweet pussy with absolute abandon. I kissed and teased her, and tried to make her squirm and whimper with pleasure. I found I couldn't put my tongue very far into her vagina. There was a thin membrane just an inch inside her pussy lips. It took me a few seconds to realize what it was. Oh shit, that's her hymen! I recognized it from biology class. For some reason, because of her sexual confidence, I'd assumed Annie wasn't a virgin, exactly the opposite mistake I'd made from judging Briona. I chuckled, realizing that I was a terrible judge of things like that. But it didn't matter. I was touched that Annie trusted me to kiss her this way. I was careful not to lick her too vigorously. I knew from biology class that the hymen could be broken accidentally, and I certainly didn't want to be responsible for an unintentional defloration! So I concentrated most of my efforts on her tiny little clitoris. She loved it when I sucked it and swirled it with my tongue.After a while I discovered that her favorite thing was when I rubbed her pussy up and down with my entire face. I'd start with my nose buried between her quivering lips, then slide upward, so my nose and tongue went up her pussy until I could lift the little hood covering her clitoris with the tip of my tongue, and flick that sensitive little nub before making my way back down. I went up and down this way, again and again, starting slowly but building up speed. My face was slick with her copious juices, which thrilled me to no end. She whimpered and gasped and groaned, and started saying, “Oh, god. Oh god. Oh yes. Oh yes…” And then, quite suddenly, her entire body tensed up like crazy, and she closed both of her thighs around my head and held me in a vice grip while she bucked and arched and clenched, squealing with an incredibly powerful orgasm. A splash of warm juices surged out of her pussy onto my face, startling me, and delighting me at the same time.Then I began licking and sucking her dripping wet pussy with gusto, swallowing her juices, and slurping her delicious clit. But after a few seconds of this she started banging my forehead with her palm, apparently too overwhelmed to be able to communicate vocally. I took the hint and left her over-stimulated clit alone. Annie's body remained as stiff as a board, and a deep trembling rolled through her thighs for two solid minutes. Finally she relaxed, and her thighs opened, releasing my head from the vice grip. She just lay there for the longest time, panting hard as if she'd just jogged a mile. I took the opportunity to finally take a good long look at her beautiful pussy in the moonlight. Every woman in the world has one, but Annie's was the first I'd seen this closely. I'd seen Briona's but she was so hairy, I really hadn't been able to make out any details. But Annie's pussy only had a little oval tuft of silky black hair on top, and simple curving chocolate brown lips below, topped with a tiny little nub. I knew right then and there that for the rest of my life, Annie's vagina would be the one I'd judge all others by. It was simply too beautiful for words. An absolute work of art, just like every other square inch of her.I kissed her pussy lips gently this time, savoring the similarity of these lips to her other lips. After a while she tugged at my hair. So I crawled up and snuggled her in the leaves, my leg over her legs to keep them warm in the chilly October air. Slowly she came out of the post orgasmic state she'd been in for the last ten minutes. She looked at me with wide eyes and said, “Hans, I never did that before. That was an orgasm I guess. Wow.”“Yeah, wow!” I said, smiling. We kissed. She backed off and wrinkled her nose in distaste.“Is that what I taste like?”“Delicious.”“If you say so,” she said sardonically.“I do say so. Your pussy, my dear, is ze finest pussy in all ze fatherland. Yah, sweet nectar from Odin…”She kissed me to shut me up. We hugged and kissed sweetly for a long time, shivering against each other, neither of us wanting the night to end.There was a rustling in the bushes. We both tensed and listened intently for more. Was someone else crawling up the tunnel? Fear gripped us, but after a few minutes of deadly silence, I said, “Must have been a branch falling.”“Sorry,” she said, “I get easily spooked.”“I saw a ghost once.” She let this random bit of information sit there in the darkness. A cloud moved over the moon and suddenly we were plunged into pitch darkness. I could only, just barely, make out her sky blue eyes in the inky blackness.“A ghost?”“Yeah.”“There are no such things as ghosts.”She sighed, “Yeah, I know, but I saw one, so, I guess that's stupid, right?”My science brain now switched on, instinctively. “You know, I used to love ghost stories and paranormal stuff. But nobody has ever found scientific evidence that any of that stuff exists, in spite of millions of dollars spent on research, hundreds of independent studies, probably more. In the whole of human history, there's still no conclusive evidence that human consciousness survives death.”“I know. But it hasn't been disproved either.”“You can't prove a negative.”She laughed. “I know, Hans, I know. I told you it's stupid.”“So what's this ghost you saw? Could have been a dream, or a hallucination. They're more common than people think.”“Maybe.” She said. The cloud moved off the moon, and once again I could see her lovely bronze face. I could tell from her expression that she didn't want to tell me more. She'd given me a glimpse of her dark secret, but that was all I was going to get. She could let me lick her pussy, but the ghost story thing was a little too personal. Go figure.Perhaps as a way to change the topic, she rolled over to straddle me. In response my softened cock began to grow again. She looked down at me in the moonlight and said, “You know, Hans, you're quite lovely.”“Handsome, you mean”“Lovely. Handsome men don't wear lederhosen.”I was about to say something funny, but she began to grind herself on my hardening erection. A beautiful, lustful expression came over her sweet face. She inched herself slowly down my body, and I watched her as she unbuttoned the buttons on the front of my lederhosen. There were a lot of them, and it would have been amusing except I was suddenly aware that she intended to touch my cock. I got lightheaded with amazement and lust. One of the great dreams of my life was about to come true, and I tried to commit the sight of Annie unbuttoning me to memory. My underwear-clad cock began to emerge more and more with each button, rising up to her grinning face, eager to meet her, to shake hands, to say hello. She tickled the tip of it playfully, amused at the way it jumped with each touch.“Little Hans wants out. Should I let him?”“Yes Fraulein. Zat would be lovely.” I tried to be funny and cool, but my voice cracked with tension.She pulled the band of my underwear down, and my cock sprang up in front of her face, looking quite impressive in the moonlight, if I may say so myself. Her eyes twinkled at the sight of it. “I stand corrected. Not little Hans. BIG Hans!” I'm glad she'd never seen Troy's cock! Then she touched my cock with her fingers, sending shivers up and down my spine. She began to bat it with her fist, making it bob about playfully. She'd obviously never seen a penis before, because she was utterly fascinated. She stroked it gently, and rolled my furry balls in her fingertips, giggling at the strange feel of me. I was in absolute heaven by this point. And when she leaned down and kissed the underside of my cock with her beautiful lips, my heart skipped a beat. She kissed it again and again, and the more she kissed it, the harder it got, which I didn't even think was possible. Finally she opened her mouth and the tip slipped between her warm, wet lips. I felt her teeth, her lips, her tongue, but mostly I saw. Really, it was the sight of her mouth, her beautiful, rosy mouth, wrapped around this most intimate part of me, which made my heart do loop-de-loops.She tongued me and kissed me and sucked me in a variety of ways. It was her turn now to experiment, and I loved every minute of it. After a while she unbuttoned my suspenders and pulled the shorts down, without bothering to take my boots off. She spread my thighs open and licked my furry balls, taking them into her mouth, while stroking my turgid shaft with her soft fingers. She was clumsy and inexperienced, but I didn't know better. It was perfect as far as I was concerned. I just laid back and let her service me, amazed at how much she got into it. She kept looking up at me with her baby blue eyes as she slobbered all over my cock, which was truly mind-blowing. I'd daydreamed about blowjobs for years, but the reality was so much better. I mean, this was literally one of the most beautiful women I'd ever seen in my life, and she was sucking my cock. It was beyond wonderful. It was life altering.After only a few minutes of her wonderful mouth bobbing up and down on my cock, I began to feel the telltale signs of impending orgasm. “Oh shit, Annie, I'm gonna cum if you keep that up.”She looked up at me and said, “I want to feel you cum in my mouth, Hans. Is that okay?”I nodded, dazed with excitement. Then she sucked and slurped, putting her limber neck into it, and rolling my balls with her fingertips. The underside of my cock became so sensitive that I could feel every taste bud on her magical tongue. Then I felt a hot burst in my nuts, and I began to buck and writhe with the most incredible orgasm I'd ever felt. She kept sucking and jerking as I shot my seed into her mouth. Her cheeks quickly became distended, and cum began to ooze past her lips down my cock. Then I saw her gulping, and I realized she was actually swallowing my cum.I didn't get soft for a second, so she just swallowed and kept on sucking. Sure, my cock was so sensitive by this time that it almost felt painful being in her mouth, but I put up with the pain because I didn't want it to end. I had no idea when or if I'd ever get another blowjob. Happily I got over the hypersensitivity after a few minutes, and she continued to suck and slurp for another ten or fifteen minutes until I thought I was probably on the verge of cumming again.But then Annie suddenly sat up and grabbed her purse. My heart sank. I was certain she was going to check her watch and say it was time to go home. But instead she pulled out a little wrapper and clumsily tore it open. My head nearly exploded when I realized what she was doing. I'd totally forgotten to bring my condom with me. Thank God Annie was more organized than me. She tried to put it on my cock, but it was too dark to see that she was putting it on inside out. We both laughed as she yanked the stretchy rubber on my throbbing shaft. It was so hilarious that it almost took my mind off what was about to happen.Eventually she got the condom over about half my phallus, and said, “Well, that's as good as it gets, I guess!” Then she stepped out of her panties and squatted over me. I reached up and our fingers interlocked. I was filled with the most amazing love for Annie as she lowered her muff onto my pole. Then before I knew it, I felt the head of my scepter pushing against the tender flesh of her hymen. She paused, our eyes locked on each other. We both knew this was an important moment and should be savored. Then she lowered herself, with a deep groan, and popped her cherry on me. She slid all the way down with a throaty gasp, until I was totally immersed in her tight pussy. She sat there for a minute or two, and we looked at each other smiling. It was over. We were no longer virgins.“High five.” I said.We high-fived each other, smiling like crazy.I was thrilled with the thought that half of my cock, the part uncovered by the condom, was touching the inside of her sweet tunnel. She slowly lifted herself, then lowered herself. She was so tight around me, I might as well not have been wearing a condom. It was incredible.She moaned, “Oh fuck, Hans. You feel so big. Oh god. Oh god. What a great cock. Thank you. Thank you for this, Hans.”I was actually fucking a gorgeous half-Brazilian hottie in a pile of leaves, and she was actually thanking me. I looked up at her in wonder. The moonlight was glinting on her dark, shiny braids. As she slowly lifted herself up again her gorgeous lips opened to emit a moan of transcendent pleasure. I was moved more than words can convey.I blurted, “I love you.” Her blue eyes opened wide, and for a moment I was worried that I'd made a mistake. But then she began to pump her body up and down on me with crazy abandon, her eyes locked to mine, as she gave off beautiful, throaty moans.“Oh, oh, oh. You feel so good inside me. Oh yeah. So good. Goddamned fucking fantastic! Oh Yeah! Yeah! Yeah!” Soon she was pounding herself on me faster, making the leaves rustle and bounce into the air. I reached up and yanked the front of her bra down, releasing her large brown breasts again. They looked amazing, bobbing and bouncing in the moonlight with those dark brown areolas flying up and down in a blur. Then I began to arch my pelvis in rhythm with her movements, rising up to meet her with each downstroke. The bare skin of our pelvises began slapping wetly together again and again. She was so wet, I could feel her juices dripping down my balls.Suddenly, a sharp, spine-tingling, high-pitched groan came from the bushes to our left. We froze in primal fear. I felt every hair on my headstand erect, and Annie's pussy tightened like a clamp around my shaft. After a few moments of silence, the bushes rustled, as if something was moving slowly around the edge of the clearing. It groaned again, weirder this time, sounding almost human, but I was certain it had to be an animal. Annie's face was contorted in terror. She pulled off me, and plopped to her hands and knees.She whispered desperately, “Come on. Fuck me Hans. Hurry up.”I couldn't believe she wanted to keep going. I wanted to run. As a matter of fact, I was scared shitless. But there she was, kneeling with her skirt bundled up, exposing her beautiful brown ass to the moonlight. I kneeled behind her and slowly slid my cock into her tight, trembling canal, while she looked at the bushes, following the eerie rustling sounds with her head. Man, oh, man, her hips felt good in my hands, and her pussy felt incredible around my cock. I began to pound her hard and fast, trying to work her up to another quivering orgasm. I felt myself building up to one too, but I was able to put it off longer than I normally could have, because my abdomen was clenched into a tight little fist of fear. But after thirty, forty, fifty strokes, she let out a little choking gasp, and warm juices surged out of her all around my shaft, splashing loudly into the leaves between her knees.At the moment of her climax a huge black flying thing burst out of the edge of the clearing and flew right at us then up out of sight making us both Scream! Right then I began to ejaculate, spurred on by fear and the shivering, quivering spasms that were rolling through her pussy and thighs. My orgasm seemed to go on and on for minutes, as I continued thrusting and squirting shot after shot into that wonderful girl. Or, into the condom, I should say.When my spasms finally ended, I pulled out of her and plopped into the leaves next to her. She crawled on top of me and whispered into my ear, “I love you too. Now let's get the hell out of here.”I yanked the fully loaded condom from my penis, and tossed it into the leaves, then we dressed hastily, laughing like idiots, and crawled in terror through the tunnel. Then we sprinted breathlessly, hand in hand through the park to her dorm. We didn't look back until we got through the doors in the foyer. I swear, it felt as something was chasing us the whole way, but when we turned to look out the glass doors, nothing was there but the cold October dawn. The sky was glowing with the first rays of morning light. We laughed and breathlessly talked about what an amazing night we'd had! But what the hell was that thing? We agreed it must have been a bird. What else could it have been?Only then did we realize that she'd bled a bit from her broken hymen. The brown crotch of my lederhosen had splashes of dark crimson, and her flowery skirt and white stockings were spattered too. But we both laughed, happy that the lobby was deserted at this hour. We held onto each other in the foyer until the morning sun broke over the treetops, casting October orange light on her bronze face, and filling her blue eyes with wonder. She was even more stunning than ever. We stood up and I kissed her goodnight, or good morning I guess. But before she went inside, I haltingly said, “Uh, do you think, that you'd like to, uh, go out with me again?”She smiled as if I'd just asked her the dumbest question in the world. “I'm your girlfriend, stupid.”My heart soared. I have a girlfriend!by CBSummers, for Literotica 

Löwen, was macht ihr nur mit uns? Unter den vielen Last-Minuten-Toren der letzten Wochen war das von Patrick Hobsch am Sonntagabend gegen Havelse sicher das emotionalste. Nach einem Drama-Spiel explodiert das Grünwalder Stadion, wie das schon lange nicht mehr der Fall war. Und langsam stellt sich nicht nur uns die Frage: Muss es dieses Jahr vielleicht einfach so sein nach Jahren der Trostlosigkeit? Wir sprechen - teilweise mit etwas angeschlagener Stimme - über die Last-Minute-Löwen und das bevorstehende Auswärtsspiel in Rostock. Weil Englische Woche ist, melden wir uns danach gleich nochmal - zweimal Bergfest in einer Woche also. Viel Spaß mit Folge 184. **Bewertet und abonniert uns!** Lasst uns gerne eine Bewertung da und abonniert uns in eurem Podcast-Player, um keine Folge zu verpassen. Ach ja, und in den Sozialen Medien versorgen wir euch natürlich auch mit Inhalt bei [Facebook](https://www.facebook.com/giesingerbergfest), [Instagram](https://www.instagram.com/giesingerbergfest/), [Bluesky](https://bsky.app/profile/giesingerbergfest.bsky.social) und und [Twitter/X](https://x.com/GiesingBergfest). Übers Bergfest-Fon erreicht ihr uns via WhatsApp unter der Nummer: 0162/1517854. **Unterstützt uns!** Euch gefällt der Löwen-Stammtisch und ihr wollt uns unterstützen? Schaut gerne mal bei [giesinger-bergfest.de/support](https://giesinger-bergfest.de/support/) vorbei und erfahrt, wie das geht!

THE VIBE with Kelly Cardenas presentsGreg “Olskool Ice-Gre” Lewis – Is an author, public speaker, and motivational dream influencer. Leveraging his career in entertainment into a full-service multi-media management and production company, Honest Management LLC., this A&R, Chi-town representative, and Hip Hop artist-turned-businessman – stands out for his ability to identify, nurture and elevate true talent. He is the male half of the legendary Chicago rap duo Abstract Mindstate and the voice of ACH. In 2023 he wrote and pitched a proposal to the Recording Academy to expand the Rap/HipHop category at the Grammys by adding a new genre he calls Adult Contemporary Hip Hop (ACH). Although the idea was highly considered they ultimately passed. A few months later his vision was realized when the Hollywood Independent Music Awards accepted his proposal. His goals with ACH are on-going as well as developments with his L.A. based company, Honest Management LLC, but with a concentrated emphasis on consulting, artist development, film, and television projects.https://www.irefusetoquit.com/A HUGE THANK YOU TO OUR SPONSORSINCHSTONES PLAYBOOKhttps://a.co/d/hil3nloSUBSCRIBE TO MY NEWSLETTER⁠https://thevibebykellycardenas.substack.com?r=4nn6y5&utm_medium=ios⁠BUY THE VIBE BOOK ⁠⁠https://a.co/d/6tgAJ4c⁠⁠ BUY BLING ⁠⁠https://shop.kellycardenas.com/products/kelly-cardenas-salon-bling⁠⁠ CARDENAS LAW GROUPhttps://www.cardenaslawgroup.com/THE BEST MEXICAN FOOD ON THE PLANEThttps://www.lulusmexicanfood.com/EXECUTIVE PRODUCER - BROOKLYN CARDENAS ⁠⁠https://www.brooklyncardenas.com/⁠⁠

Dans ce Mangacast Omake n°135 du mois de septembre 2025, l'équipe se réunie pour débattre à bâtons rompus de plusieurs nouveautés à paraitre ce mois ci ! (00:00:00) Introduction (00:05:42) C'était nous (00:15:02) Moscow 2160 (00:29:25) Once upon a crime (00:44:10) Shimazaki in the land of peace (01:01:31) Sérénade pour une pluie de larmes (01:17:30) Achève-moi (01:32:15) Je ne suis pas populaire, et c'est de votre faute! (01:53:08) Subaru (02:11:07) Servant Beasts (02:27:20) 009 Re:Cyborg (02:50:29) Mahoromi - Chroniques architecturales de l'espace temps (03:03:32) Our Love Language (03:14:43) Légères sur le Dancefloor (03:25:58) True of Vamp (03:40:08) Promenons-nous dans l'espace (04:00:27) Une Fleur venue d'ailleurs (04:09:35) Coups de Coeur / de Gueule

Dans ce Mangacast Omake n°135 du mois de septembre 2025, l'équipe se réunie pour débattre à bâtons rompus de plusieurs nouveautés à paraitre ce mois ci ! (00:00:00) Introduction (00:05:42) C'était nous (00:15:02) Moscow 2160 (00:29:25) Once upon a crime (00:44:10) Shimazaki in the land of peace (01:01:31) Sérénade pour une pluie de larmes (01:17:30) Achève-moi (01:32:15) Je ne suis pas populaire, et c'est de votre faute! (01:53:08) Subaru (02:11:07) Servant Beasts (02:27:20) 009 Re:Cyborg (02:50:29) Mahoromi - Chroniques architecturales de l'espace temps (03:03:32) Our Love Language (03:14:43) Légères sur le Dancefloor (03:25:58) True of Vamp (03:40:08) Promenons-nous dans l'espace (04:00:27) Une Fleur venue d'ailleurs (04:09:35) Coups de Coeur / de Gueule

Tá mionchabhlach de thuairim is 50 bhád ar a bhealach go Gaza – agus tá Éireannaigh ina measc siúd atá ar bord. Tá na céadta daoine ó thíortha fud fad an domhain mar chuid den Global Sumud Flotilla agus é ar intinn acu cabhair dhaonnúil a thabhairt isteach do mhuintir Gaza. Tuairiscíodh oíche Dé Luain gur bhuail drón ceann de na báid sa Túinéis áfach. Chuir an Global Sumud Flotilla físeán in airde ar na meáin shóisialta a léiríonn solas geal ag bualadh an bháid. Níor gortaíodh aon duine. Ach diúltaíonn údaráis na Túinéise gur drón a bhí i gceist. Deir lucht eagraithe an chabhlaigh nach gcuirfidh eachtraí sa Túinéis stop lena dturas agus go leanfaidh siad orthu. Tá Naoise Dolan ina cuid den iarracht seo agus labhair sí le Seachtain. Foclóir: Eachtra: Incident Cinedhíothú: Genocide Ionsaí: Attack Rogha: Choice An Túinéis: Tunisia Toradh: Result Ag taobhú: Siding with Ceachtanna: Lessons Sonraí: Details Éalú: Escape Siombalachas: Symbolism Daonna: Humane See omnystudio.com/listener for privacy information.

Es gab nen Link mit der Folge zum runterladen und ein "Guten Abend" von Kai. Mehr Infos habe ich nicht - also lasst euch überraschen. In der Insta Story gab es ein Bild von Pia, Olli Kahn und Tommi Schmitt hier steckt einiges drin und ich bin gespannt auf die Story dahinter. Ansonsten geht es Samstag nach München... Ach ja, Yabba Dabba Doo ist der schlimmste Torjingle ever

Do povědomí diváků se herec Václav Jílek zapsal jako vnuk Jiřiny Bohdalové v seriálu Ach, ty vraždy!. Od té doby ale prošel filmem, divadlem i rozhlasem – zahrál si třeba ve snímku Donšajni Jiřího Menzela a dnes ho můžeme vídat na jevišti Studia DVA.

Es gab nen Link mit der Folge zum runterladen und ein "Guten Abend" von Kai. Mehr Infos habe ich nicht - also lasst euch überraschen. In der Insta Story gab es ein Bild von Pia, Olli Kahn und Tommi Schmitt hier steckt einiges drin und ich bin gespannt auf die Story dahinter. Ansonsten geht es Samstag nach München... Ach ja, Yabba Dabba Doo ist der schlimmste Torjingle ever Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.MagentaSport Nur bei MagentaSport: Alle 380 Spiele der 3. Liga live und in bester HD-Qualität sowie alle Highlights und Wiederholungen nach Abpfiff auch auf Abruf - an jedem Spieltag auch in der Konferenz. Kein Tor und keine Entscheidung mehr verpassen. Außerdem die Top10 der Woche, Dokumentationen, exklusive Interviews und vieles mehr. Zusätzlich Spiele der PENNY DEL, Google Pixel Frauen-Bundesliga, EuroLeague und vieles mehr! Mehr Infos unter: https://www.magentasport.de/aktion/3liga Führung beginnt mit Gefühl: Im Podcast Führungsgefühle erfährst du, wie emotionale Intelligenz, Selbstreflexion und neue Leadership-Ansätze echte Veränderung bewirken können. Jetzt entdecken auf www.fuehrungsgefuehle.de.

Do povědomí diváků se herec Václav Jílek zapsal jako vnuk Jiřiny Bohdalové v seriálu Ach, ty vraždy!. Od té doby ale prošel filmem, divadlem i rozhlasem – zahrál si třeba ve snímku Donšajni Jiřího Menzela a dnes ho můžeme vídat na jevišti Studia DVA.

(Tech note: Apologies for buzz and mic issues up front... they get ironed out few minutes in.)Big show tonight… packed!

Ach, der Schmerz! Aïe, la douleur! Jeff's insanely rare, perpetually coveted, and newly repaired half-frame Alpa 10s has been lost by UPS. As you listen to the latest episode of our Smash Hit Podcast™, globally acclaimed yet eschewing of praise, spare a thought or a prayer for the grieving cohost!yes, the Alpa 10s half-cookie is MIA at UPS - should we be putting AirTags in our important packages?Gabe is obsessed with which film cameras were used by legendary photographers to take legendary shots - are you?Gabe went to the LA Camera Expo and came home with a slew of darkroom equipmentJeff got great results from Atlanta Film Co. with Kodak Vision 3, but is it worth the extra cost, time and effort?the Osiris F1 is a fun 'n' freaky ('n' patent-infringing?) film-processing robotwe urge you to check out the Cameradactyl Master System from mad scientist Ethan MosesGabe is back in the hunt for camera bags - his new obsession is the sexy, stylish and super-expensive Bleu de Chauffemeanwhile, Jeff's Strand Bookstore messenger bag is dirt cheap!we both flipped for Sissi Lu's new googly-eyed hang-tag lens clothJeff snapped up Langdon Clay Cars: New York City, 1974-1976 book shot with a Leica CL and Kodachrome 25 - yet everyone on Instagram thinks the pics are AI slop!Gabe found Jeff Bridges' elusive and highly prized Pictures Vol. 1 at Goodwill for six bucks!who sent Gabe a 110 camera? do tell!happy birthday to our friend Vance DeGeneres - check out his incredible New Orleans New Wave band The Cold!Los Angelenos! look into imstilldeveloping.com and the LA Camera Expo - Gabe will be there!and finally, we stick a pinky toe into the Prodigious Mailbag™

In dieser Folge reist Miriam wieder nach Dänemark – diesmal ganz in den Norden, nach Nordjütland. Dort, wo sich Nordsee und Ostsee begegnen, wo Sand und Wind die Landschaft formen und wo das Licht eine ganz eigene Stimmung schafft.Miriam besucht Orte voller Geschichte und Atmosphäre: Sie steigt auf Dänemarks zweithöchsten Leuchtturm, spricht mit einem ehemaligen EZB-Sprecher, der heute durch die Dünenlandschaften Skagens führt, besucht Orte, die einst Treffpunkte einer berühmten Künstlerkolonie waren, und einen Falkner, der mit riesigen Greifvögeln arbeitet. Es geht um seltene Zugvögel, versandete Kirchen, gestrandete Schiffe – und um eine Region, in der die Natur seit Jahrhunderten den Alltag prägt. Ach ja, und natürlich um das besondere Licht des Nordens, das einst KünstlerInnen aus den Großstädten anzog und bis heute nicht nur Gemälde, sondern auch das Lebensgefühl der Region prägt! Wer noch mehr Dänemark-Feeling möchte: In Folge WW398 reiste Miriam auf die Ostseeinseln Lolland-Falster.Redaktion & Postproduktion: Miriam MenzDieser Podcast wird auch durch unsere Hörerschaft ermöglicht. Wenn du gern zuhörst, kannst du dazu beitragen, dass unsere Show auch weiterhin besteht und regelmäßig erscheint. Zum Dank erhältst du Zugriff auf unseren werbefreien Feed und auf unsere Bonusfolgen. Diese Möglichkeiten zur Unterstützung bestehen:Weltwach Supporters Club bei Steady. Du kannst ihn auch direkt über Spotify ansteuern. Alternativ kannst du bei Apple Podcasts UnterstützerIn werden.WERBEPARTNERhttps://linktr.ee/weltwach Hosted on Acast. See acast.com/privacy for more information.

„Erst mal ne Tasse Kaffee“, denkt sich Atze, so wie viele, die versuchen morgens irgendwie in Tritt zu kommen. Aber warum trinken wir diese Plörre eigentlich jeden Morgen und wer hat Kaffee erfunden? Das sind die Fragen, die sich Atze stellt, während er darüber nachdenkt, wie es wäre auch mal zu menstruieren. Beruhigend ist jedenfalls, dass die beste Pizza aus Hamburg kommt und das Ottensen noch schöner ist als Positano an der Amalfiküste. Aber was sagt man, wenn der Gastgeber fragt: „wie hat's geschmeckt, ganz ehrlich?“. Da kann man ja nur lügen oder? Man macht es wie Markus Söder und bestellt die Bratwurst mit Senf und Fetisch. Ach, war das wieder ne schöne Woche!Instagram: https://www.instagram.com/atzeschroeder_offiziell/?hl=de Hosted on Acast. See acast.com/privacy for more information.

(Tech note: Apologies for buzz and mic issues up front... they get ironed out few minutes in.)Big show tonight… packed!

Pat Moye, Executive Director of Product Innovation at Deluxe, unveils the surprising reality of accounts receivable departments still trapped in manual processes despite technological advances elsewhere in business. As he aptly points out, AR professionals often describe themselves as "cash detectives," spending valuable time hunting down payment information across disconnected systems - a critical bottleneck in business cash flow.The heart of modern AR transformation isn't flashy AI algorithms but rather solid data foundations. Pat emphasizes that payment information typically exists across multiple fragmented systems: "The data from ACH and wire payments is with the bank. The data from lockbox payments is with a company like Deluxe. The data about open invoices is in their ERP." This fragmentation creates significant challenges when attempting to implement automation, as these disparate data sources must first be unified and standardized.Organizations seeking to modernize their AR operations should resist the temptation to overhaul everything at once. Instead, Pat advocates for an agile approach that tackles specific pain points incrementally: "Don't think about making these big swings. Think about the incremental gains you can have by just changing some pieces of the puzzle." This methodical journey begins with consolidating basic payment data sources before expanding to incorporate unstructured data and advanced analytics - allowing teams to transform from operational cost centers into strategic business partners.Discover how Deluxe has evolved beyond its 110-year history as "the check company" to become a comprehensive payment and data solutions provider, helping businesses eliminate AR friction points and accelerate cash flow. Whether you're just beginning your automation journey or looking to enhance existing capabilities, this episode offers practical insights for finance leaders ready to transform their receivables operations.