Podcasts about affirm

In Galatians 2:11–21, Paul publicly confronts Peter for withdrawing from table fellowship with Gentile believers and acting out of step with the truth of the gospel. This episode explores why Peter's actions implied that Gentiles had to “live like Jews,” even if he never said those words directly. We'll unpack Paul's argument about justification by faith, union with Christ, and why adding law-keeping as a requirement for righteousness would mean Christ died for nothing. That You May Know Him, Episode 302. Galatians, Part 6.

Japanese Prime Minister Sanae Takaichi and her Malaysian counterpart, Anwar Ibrahim, on Wednesday affirmed their cooperation to ensure stable supplies of liquefied natural gas from Malaysia to Japan amid tensions in the Middle East.

Max Levchin (@mlevchin) is a serial entrepreneur and investor in 100+ startups. He's the founder and CEO of Affirm, the payment network powering consumer purchases and merchant growth. An original PayPal co-founder, Max served as CTO until its 2002 acquisition by eBay.This episode is brought to you by:ProLon: science-backed Fasting Mimicking Diet that helps activate cellular renewal through fasting, while still eating nourishing meals: ProlonLife.com/TimMonarch track, budget, plan, and do more with your money: Monarch.com/Tim Shopify global commerce platform, providing tools to start, grow, market, and manage a retail business: Shopify.com/timTimestamps:[00:00:00] Start.[00:02:50] The Ronin line that rewired how Max makes every decision.[00:06:09] Paprika-style brain-computer interfaces.[00:09:09] PayPal's founders lived inside a Neal Stephenson novel.[00:19:21] Transformation via Neuromancer and Snow Crash.[00:23:40] The book that found Max his wife.[00:29:24] The real secret to a great marriage.[00:38:29] What's worth tracking, and what's not.[00:44:13] A scrawny kid, a clarinet, and a Kyiv velodrome.[00:46:55] What going all-out on a bike actually gives you.[00:51:02] The mantra by which Max rides.[00:53:02] A Soviet kid's fear of socialism.[01:02:48] Making a profit without destroying society.[01:04:31] What is Affirm, and why did every banker say it would fail?[01:20:18] Why the best mathematicians eschew the lending industry.[01:23:50] Does agentic commerce break Affirm, or supercharge it?[01:28:01] A PhD-level financial advisor in everyone's pocket.[01:29:58] How close are we to buying anything through one AI chat?[01:36:32] Improving your coffee: cheap, intermediate, and Bugatti options.[01:44:33] The books every first-time founder should actually read.[01:48:08] Claude Shannon, Ed Thorp, and the joy of playful genius.[01:51:00] Why physical books still beat every digital reading experience.[01:51:44] Parting thoughts.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Affirm's buy now, pay later service offers shoppers a transparent alternative to credit cards. It tells consumers up-front what monthly charge they face, promises no late fees or hidden charges – and in many cases offers a zero percent interest rate. Co-founder and chief executive Max Levchin reveals how the business originated in his own “painful” experiences with credit cards, and how AI-powered shopping agents could supercharge its future.Background:Scottish Mortgage first invested in Affirm in 2019, when it was still a private company.Today, the listed business provides credit to millions of customers across the US, Canada and the UK when they make online and offline purchases, and it has its sights set on further expansion and taking a greater share of business away from the incumbents in the credit card industry.“No one loves thinking about money because it's a drag, it's complicated,” Levchin tells investment manager Tom Slater in this interview. “It doesn't have to be this way. And we've proven that for our little niche, big as it is… we can alleviate the burden.”In this podcast, the two discuss how Levchin came to build Affirm after his prior success at PayPal, the technology that underpins the company's ability to tailor loans to each customer and purchase, why merchants are keen to cover the cost of zero percent credit from a third party, and how AI-powered shopping agents could impact the firm. Timecodes:00:03 Coming up…00:48 Introduction02:25 Max Levchin interview begins02:51 A transparent alternative to credit cards04:05 A threatened amputation08:52 Lessons from PayPal11:44 Returning to the world of fintech14:28 A terrible credit card experience18:15 Attracting early investors22:14 How Affirm works25:48 The appeal to merchants28:36 Focusing on the Affirm Card31:23 Underwriting data provides a ‘powerful moat'35:41 Why permit credit for luxury purchases?39:25 Listening to your gut42:20 How big could Affirm get?45:39 AI agentic shopping48:54 What the world looks like if Affirm fulfils its mission50:38 Claire Shaw and Tom Slater on the investment case57:35 Podcast lookaheadGlossary (in order of mention):Point-of-sale lending: Credit offered at the moment a customer buys something, either online or in a shop.Network effects: The effect where a product or service becomes more valuable as more people or businesses use it.Fintech: Technology-driven financial services, such as digital payments, lending or banking tools.Charge-off: When a lender writes off a debt as unlikely to be repaid, usually damaging the borrower's credit record.Delinquent/delinquency: A loan or credit account becomes delinquent when the borrower is late making required payments.IPO: Initial public offering: the process by which a private company lists its shares on a public stock market.Accrued interest: Interest that has built up over time on a loan or balance.CMO: Chief marketing officer, the executive responsible for a company's marketing strategy.Competitive moat: A durable advantage that makes it hard for competitors to copy or overtake a business.Cash flow: The movement of money into and out of a person's or company's accounts.Total addressable market: The total revenue opportunity available if a company could reach all possible customers for its product.Operating expense: Day-to-day business spending, such as salaries, rent or marketing.AI agent: An AI system that can carry out tasks or make decisions on a user's behalf.Net promoter score: A customer loyalty measure based on how likely users are to recommend a company or product.Flywheel: A business dynamic where one improvement drives another, creating self-reinforcing growth.Read the transcript.Check the podcast description to ensure this content is suitable for you. Your capital is at risk. Presenter: Claire ShawExecutive Producer: Leo KelionLine producer: Jessica RooneyBroadcast Technician: Samual O'Hare Editor: Jody Black Hosted on Acast. See acast.com/privacy for more information.

This is a compressed version of Scottish Mortgage's interview with the buy-now, pay-later service's chief executive and co-founder Max Levchin.Listen to the full episode here. Affirm offers shoppers a transparent alternative to credit cards. It tells consumers upfront what monthly charge they face, promises no late fees or hidden charges, and in many cases offers a 0 percent interest rate. Levchin tells Scottish Mortgage Investment Trust manager Tom Slater what drove him to create the business and why it has an edge over rivals.Background:Scottish Mortgage first invested in Affirm in 2019, when it was still a private company.Today, the listed business provides credit to millions of customers across the US, Canada and the UK when they make online and offline purchases. It now has its sights set on further expansion and is taking a greater share of business away from the incumbents in the credit card industry.In this podcast, Levchin reveals how he came to build Affirm after his prior success at PayPal, Affirm's appeal to merchants and consumers, and why its underwriting technology gives it an enduring advantage. Timecodes:00:02 Introduction00:56 Max Levchin interview begins01:03 A transparent alternative to credit cards01:24 Lessons from PayPal02:55 A painful credit card experience05:50 How Affirm works08:35 Underwriting data provides a ‘powerful moat'Glossary (in order of mention):Point-of-sale lending: Credit offered at the moment a customer buys something, either online or in a shop.Network effects: The phenomenon whereby a product or service becomes more valuable as more people or businesses use it.Charge-off: When a lender writes off a debt as unlikely to be repaid, usually damaging the borrower's credit record.Delinquent/delinquency: A loan or credit account becomes delinquent when the borrower is late making required payments.IPO: Initial public offering – the process by which a private company lists its shares on a public stock market.Accrued interest: Interest that has built up over time on a loan or balance.Underwriting: A lender's process of assessing whether to grant credit to a borrower, and on what termsCompetitive moat: A durable advantage that makes it hard for competitors to copy or overtake a business.Check the podcast description to ensure this content is suitable for you. Your capital is at risk. Presenter: Claire ShawExecutive Producer: Leo KelionLine producer: Jessica RooneyBroadcast Technician: Samual O'Hare Editor: Jody Black Hosted on Acast. See acast.com/privacy for more information.

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Episode Outline 1. The Pressure to Conform Nebuchadnezzar's golden statue The command to bow The pattern of culture: Conformity becomes normal Normal becomes celebrated Dissent becomes condemned Faithfulness becomes visible 2. Babylon's Strategy: Just Compromise a Little "You can worship your God, just worship ours too" Defining modern idols How compromise begins: Stay quiet Blend in Protect your image Keep the promotion Affirm the lie 3. The Power of an "Even If" Faith Shadrach, Meshach, and Abednego's response God is able... But even if He doesn't... The difference between: Transactional faith Biblical faith Trusting God beyond favorable outcomes 4. Obedience Turns Up the Heat The furnace heated seven times hotter Examples of modern-day furnaces: Standing alone at work Refusing gossip Sexual integrity Faithfulness in suffering Trusting God through unanswered prayer Will the fire drive you away or refine you? 5. The Fourth Man in the Fire Nebuchadnezzar sees four men Angel or pre-incarnate Christ? The central truth: God did not abandon them God was with them Jesus and Gethsemane: "Father, if possible..." "Nevertheless, Your will be done" 6. The Fire Burned What Bound Them They entered bound They walked free The fire touched: Their ropes The fire did not touch: Their bodies Their clothes Their witness God uses trials to transform us, not define us 7. Public Allegiance to the True King Babylon demanded public worship Baptism is our public declaration Faith eventually becomes visible A challenge to believers who have never been baptized Declaring before the world: "I belong to Jesus" "I will bow to only one King" Key Takeaway The greatest miracle in Daniel 3 wasn't surviving the fire—it was a faith that had already decided, before the fire ever came: "Even if God doesn't deliver me the way I want, I will not bow."

How to Break Emotional Patterns and Choose Healthy Love with Intentional Awareness In this episode of the Resilience Across Borders podcast, Rachid Zahidi explores how unconscious emotional programming quietly shapes our romantic choices—and why many people find themselves repeating the same relationship dynamics with different faces. What we often label as "chemistry" is, in many cases, familiarity wired into the nervous system. Rachid breaks down how early emotional experiences shape a personal "blueprint" that influences attraction, decision-making, and how we interpret love. Without awareness, we tend to choose based on emotional intensity, validation, and old wounds rather than alignment and compatibility. Through a grounded, practical framework, this episode guides you in interrupting automatic patterns, slowing emotional reactivity, and re-evaluating attraction through the lens of values, consistency, and emotional safety. You'll learn why healthy love can initially feel unfamiliar or even "boring," and how to retrain your system to recognize stability as safety rather than disconnection. Ultimately, this conversation is about reclaiming agency in how you choose—moving from unconscious repetition to intentional selection. Real change begins not after the relationship ends, but at the moment of decision, when awareness finally overrides impulse.    

370: How to Stop Losing Half of Your Recurring Donors (Dave Raley)Episode SummaryIf your organization celebrates a 42% recurring donor retention rate (the national average), you may be focusing on the wrong number - because the real story is the 58% you're losing every year. In this follow-up to Episode #301, Patton welcomes back Dave Raley, Founder and CEO of The Center for Sustainable Giving in Poulsbo, Washington, for a deeper dive into sustainable giving. Dave unpacks the two distinct faces of donor churn - involuntary (failed credit cards) and voluntary (donors who choose to leave) - and explains why treating them the same way is one of the most expensive mistakes a nonprofit can make. He introduces a practical three-part retention model - Affirm, Engage, Appeal - and makes the case that the middle step is where most organizations quietly lose the relationship. He also shares the data behind upgrade campaigns, including what a 25% average gift lift looks like in practice and when in the donor lifecycle to run one. Whether your organization is flying blind on churn or ready to move from knowing to doing, this episode delivers clear, immediate steps you can take this quarter.About DaveDave Raley is the Founder and CEO of The Center for Sustainable Giving, based in Poulsbo, Washington, where he helps nonprofit leaders build recurring giving programs that retain donors and grow long-term revenue. With a background spanning nonprofit fundraising strategy, technology, and the subscription economy, Dave has become one of the sector's leading voices on donor retention, passive churn, and the structural shifts required to move organizations from transactional to relational fundraising. He is also the author of The Wave Report, a research publication tracking trends in sustainable giving, and was previously the founder of Imago Consulting. Dave joined Patton first on Episode #301 and returns here with deeper frameworks and sharper tools for leaders ready to act.ResourcesConnect with Dave on LinkedInLearn more about The Center for Sustainable GivingSubscribe to The Wave Report - Dave's research publication on trends in sustainable givingListen to Dave's first appearance: Episode #301: The Why Behind Sustainable GivingThe Rise of Sustainable Giving by Dave RaleyFollow Your Path to Nonprofit Leadership - and please leave a review!Learn more about the leadership resources at Armstrong McGuire: ArmstrongMcGuire.com

Vivian dives into the truth about Buy Now, Pay Later services and why splitting a purchase into “four easy payments” might be way more dangerous than it looks. In this episode, she breaks down how companies like Klarna, Afterpay, and Affirm exploded in popularity, why these payment plans are changing the way people shop, and how BNPL can quietly wreck your budget and credit score if you're not careful. In this episode, you'll learn: 1. What Buy Now, Pay Later services actually are, how they evolved from old-school layaway programs, and why modern BNPL combines some of the riskiest parts of both layaway and credit cards. 2. Why BNPL can encourage overspending, how multiple small payments create a false sense of affordability, and what happens to your credit score if you miss a payment. 3. Who should and definitely should not use BNPL services, plus Vivian's preferred alternatives for building credit, managing cash flow, and making purchases without borrowing against your future income. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us Fan MailI sat down with Max Levchin, Co-Founder and CEO of Affirm and one of the living legends of tech and fintech. He co-founded PayPal with Peter Thiel and Elon Musk, invented anti-fraud technology that's still foundational today, and has spent the last 14 years building Affirm into one of the largest publicly traded fintechs in the world with a mission to replace credit cards with transparent lending. He is one of the most thoughtful and brilliant founders I've spoken with. Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join ~85,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: https://bit.ly/3jWIpqp

Aujourd'hui, Flora Ghebali, entrepreneure dans la transition écologique, Jean-Loup Bonnamy, professeur de philo, et Abel Boyi, éducateur, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Sign up for Practi, a new platform that helps law firms use subscription billing.Here are the top 5 takeaways from this episode:* Preventive law is far cheaper than reactive law. Clients who try to DIY their legal needs (using LegalZoom, skipping contracts, etc.) often end up paying twice. Once for the mess they made and again to prevent it from recurring. Hiring a lawyer early and often saves money in the long run.* Subscription/flat-fee pricing aligns attorney and client incentives. Hourly billing creates distrust and discourages clients from calling when they should. Noel's model, flat fees for discrete projects, subscription fees for ongoing work, removes the “clock is ticking” anxiety and makes the attorney an accessible team member.* Client education is essential for subscription retention. It's not enough to deliver a service; clients must understand how to get ROI from it. Noel uses semi-annual workshops, legal growth blueprints, and ongoing engagement to ensure clients see the value and stick around.* Get paid upfront and use invoice financing to make it easier. Don't personally finance client tabs. Tools like LawPay (now 8AM) and Clio Payments, integrated with Affirm, let clients finance invoices over 6–36 months while the attorney gets paid in full immediately. Noel also recommends minimum initial terms (3–12 months depending on engagement size) to give both sides time to establish real value.* Don't get attached to any single AI tool. Noel recommends treating AI tools like a “chorus of experts.” Use multiple, stay flexible, and act as the conductor. The AI space is too dynamic to lock into long-term contracts with any one platform, and lawyers remain responsible for all AI-generated output.__________________________Want your question to be answered on a future show? Fill out this short survey.Have subscription model question? Check out this free resource to ask all of your questions at notebook.practi.ai.Check out Counsel & Clarity.Sign up for Paxton, my all-in-one AI legal assistant, helping me with legal research, analysis, drafting, and enhancing existing legal work product.Get Connected with SixFifty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, a business and employment legal document automation tool.Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gavel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, an automation platform for law firms.Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Law Subscribed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to subscribe to the weekly newsletter to listen from your web browser.Prefer monthly updates? Sign up for the Law Subscribed Monthly Digest on LinkedIn.Check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mathew Kerbis'⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ law firm ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscription Attorney LLC⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Want to use the subscription model for your law firm? Click here to sign up for a new platform that helps law firms use subscription billing. Get full access to Law Subscribed at www.lawsubscribed.com/subscribe

In this episode, Geddes Munson (SVP of Engineering @ Affirm) joins us to discuss operational / engineering excellence, scaling, and AI-native transformation! We explore Affirm's approach to operational and engineering excellence and how a 2024 outage became a turning point in refining that focus. We deconstruct “AI retooling week”, the internal tools it inspired (including an incident tracing system), how the AI-native transition is impacting operational / engineering excellence, and how to connect these projects to business goals. Plus, we take a look at their early work building in agentic commerce, infrastructure decisions they made years ago setting them up for success now, how they're thinking about designing for agent-first experiences.   ABOUT GEDDES MUNSON Geddes Munson serves as Affirm's SVP, Engineering. Previously, Geddes held several engineering leadership roles at Affirm, including oversight of the merchant engineering group, where he was responsible for the development of Affirm's solutions for key partners including Amazon, Shopify and Walmart. Prior to Affirm, Geddes held various technical leadership roles at rapidly growing startups including Mixpanel, SingleStore and EasyPost. He received his B.A. from Haverford College, where he started the Linux club on campus. Geddes lives in New Jersey with his wife and three children.   Unblocked: The context engine your coding agents are missing. Give your coding agents the context your best engineers have. Your agents can read code, but they don't know how your team works. Rules and MCPs give access to information but not understanding. That's why you still have to tell them where to look and what to look for. Unblocked gives your agents the history, conventions, and decisions behind your code so they generate mergeable output without the back and forth. It automatically surfaces the right context for every task, so agents stay on track without the set up tax or the correction loops. getunblocked.com/elc   SHOW NOTES: Defining operational excellence & what it looks like @ Affirm (4:36) Understand why your company / product matters to your customers (8:11) Key pivot points around engineering excellence @ Affirm (11:10) Creating a genuine culture change of operational / engineering excellence (14:27) Adopting agentic models @ Affirm (16:30) Navigating the balance between transformation, safety & reliability (18:30) Affirm's AI retooling week & hackathon setup (20:57) How the hackathon helped quickly change the company culture (23:15) Ensuring your practices serve your overall organizational vision & goals (26:11) Insights on scaling & increasing CICD investment @ Affirm (28:28) Approaches to building agentic commerce products (30:11) Strategies for building an agent-first experience (33:33) Bridging the gap between engineering & business goals / outcomes (35:44) Rapid fire questions (38:46)   LINKS AND RESOURCES 1929: Inside the Greatest Crash in History – and How It Shattered a Nation - New York Times bestselling author Andrew Ross Sorkin takes readers inside the chaos of the crash, behind the scenes of a raging battle between Wall Street and Washington and the larger-than-life characters whose ambition and naivete in an endless boom led to disaster. The dizzying highs and brutal lows of this era eerily mirror today's world—where markets soar, political tensions mount, and the fight over financial influence plays out once again. Delivering Happiness: A Path to Profits, Passion, and Purpose - a best-selling 2010 memoir by former Zappos CEO Tony Hsieh detailing his entrepreneurial journey and outlines his core philosophy: building a phenomenal corporate culture and focusing on the happiness of employees and customers ultimately drives long-term profits and business success.   This episode wouldn't have been possible without the help of our incredible production team: Patrick Gallagher - Producer & Co-Host Jerry Li - Co-Host Noah Olberding - Associate Producer, Audio & Video Editor https://www.linkedin.com/in/noah-olberding/ Dan Overheim - Audio Engineer, Dan's also an avid 3D printer - https://www.bnd3d.com/ Ellie Coggins Angus - Copywriter, Check out her other work at https://elliecoggins.com/about/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if the excuse someone just gave you is actually the best thing that could have happened?In this solo episode, Michael Reddington breaks down one of the most misunderstood moments in any high-stakes conversation: the excuse. Most leaders instinctively attack excuses, feeling disrespected, frustrated, or deceived. But that reaction, however understandable, almost always makes things worse. Michael reframes excuses not as acts of dishonesty, but as face-saving statements that gift-wrap an admission and open the door to the truth.Drawing on his background in forensic interviewing, Michael walks through the neuroscience of why attacking excuses backfires, why accepting them creates a different set of problems, and how a precise four-step response can transform the most frustrating moment in a conversation into the expressway to accountability, root-cause clarity, and lasting behavior change.What You'll Learn in This EpisodeWhy the part of the excuse that infuriates you is the part you should ignoreHow an excuse is actually a face-saving statement that opens the door to the truthWhy attacking an excuse puts the other person on the defensive and shuts down your learningThe four-step framework for responding to excuses without accepting or attacking themWhy "walk me through" is more effective than "help me understand"How to obtain the untainted narrative and listen for intelligence, not just informationWhy accountability holds better at the end of a conversation than at the beginningHow this approach helps you identify the real root cause, not just the surface behaviorChapters:(00:00) Introduction: The Topic That Drives Leaders Crazy(00:38) Why We Hate Excuses and What That Reaction Costs Us(03:55) The Admission Before the Because(04:54) What Excuses Actually Are: Face-Saving Statements(06:08) Why Excuses Are the Expressway to the Truth(07:04) The Problem With Attacking or Accepting(09:08) The Four-Step Framework: Thank, Name, Affirm, Ask(12:35) How to Listen for Intelligence, Not Just Information(15:18) Why This Process Works and What It Solves Long-TermLinks and Resources:The Disciplined Listening Method by Michael Reddington -- https://a.co/d/0aKT2oxRSponsor Links:InQuasive: http://www.inquasive.com/Humintell: Body Language - Reading People - HumintellEnter Code INQUASIVE25 for 25% discount on your online training purchase.International Association of Interviewers: Home (certifiedinterviewer.com)Podcast Production Services by EveryWord Media

Affirm's CEO Max Levchin joined Bloomberg's Caroline Hyde and Ed Ludlow to discuss the company's strategic vision and growth prospects during the 2026 investor forum in New York. Highlighting recent announcements on agentic commerce and international expansion, Levchin emphasized that all key initiatives are aligning to drive significant growth. The fintech firm aims to reach $100 billion in annual transaction volume, building on strong momentum including a 33% year-over-year revenue increase to over $1 billion in the third quarter. Levchin shared insights on the factors fueling this growth and the company's roadmap to scale its business globally.See omnystudio.com/listener for privacy information.

En el episodio de hoy de VG Daily, Valentina Orduz y Andre Dos Santos abren con el incidente del Estrecho de Hormuz, donde un enfrentamiento entre destructores de la Marina estadounidense y fuerzas iraníes generó versiones contradictorias de lo ocurrido y dejó en el aire el futuro del alto al fuego.Desde ahí, el episodio se mueve al mercado laboral, donde una ola de recortes masivos en tecnología convive con niveles históricos de inversión en infraestructura de IA; se revisan los números del reporte de abril, con creación de empleo por encima de lo esperado y presión salarial contenida; y se analizan los resultados trimestrales de Affirm y Cloudflare, que reportó crecimiento acelerado al tiempo que anunció el recorte del 20% de su plantilla.El episodio cierra con un balance de la temporada de resultados del Q1 2026, donde el S&P 500 registra crecimiento de ganancias por encima del 25% y un beat promedio contra consenso que duplica lo que históricamente se considera un trimestre sólido; tecnología, consumo discrecional y comunicaciones lideran las sorpresas positivas.

How can we operate boldly in our gifts as men and women? Lydia Grace Kaiser, a seasoned ministry leader and author, explores what it truly means to operate boldly in your God-given gifts—as men and women. Drawing from decades of ministry & exhaustive biblical research, Lydia dispels common misconceptions about restrictions on the spiritual gifts & roles of women, revealing an inspiring vision of partnership & shared responsibility that uplifts both men and women. Together, Tina Yeager and Lydia Grace Kaiser discuss practical ways to uncover your spiritual gifts and foster cooperation rather than division, so we can all flourish as intended. Join us for a conversation that promises to set you free to fulfill your calling with confidence and love. Lydia reassures listeners that Scripture does not restrict women from using their gifts. True partnership is God's original design, as strong allies rather than subordinates. Takeaways: Cooperate, Don't Compete: God's design isn't about hierarchy, but about partnership and complementing each other's strengths. Recognize Enemy Tactics: Division is a spiritual attack; unity is a testimony to God's heart. Discover & Use Your Gifts: Whether administration, shepherding, or teaching, your talents are meant to bless others. Explore them courageously in your church, family, and community. Have Brave Conversations: Approach discussions with humility and clarity. Affirm men as allies, not adversaries. Resource Spotlight The episode draws on themes from Lydia Grace Kaiser's book, The Bible Truth about Women—a thoroughly researched guide to scriptural truth and abundant living in your gifts. Find her book on Amazon or visit her website, lydiakaiser.com, for additional resources, blogs, and upcoming interviews! Let's Flourish Together We hope you feel inspired to step out boldly in your calling—encouraging, equipping, and working alongside one another as God intended. Let's shine together, each using our unique gifts in unity and love! We're thrilled to accompany you on this journey of faith, growth, and transformation. As always, we appreciate your support! Please subscribe and share this episode. We can't wait for you to join us for future episodes of Flourish-Meant. To book Tina as a speaker, connect with her life coaching services, and more, visit her website: https://tinayeager.com/ Optimize your mind and body with my new favorite, all-inclusive supplement, Cardio Miracle! I love the energy and focus this health-boosting drink mix provides without toxins, caffeine, or sugar! Get a discount on your purchase with my link: http://www.cardiomiracle.com/tinayeager Manage stress and anxiety in 10 minutes a day with the course presented by 15 experts, Subdue Stress and Anxiety https://divineencouragement.onlinecoursehost.com/courses Connect with Tina at: Facebook: https://www.facebook.com/tyeagerwriting/ Linked In: https://www.linkedin.com/in/tinayeager/ Instagram: https://www.instagram.com/tina.yeager.9/

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What if Jesus is far more than you've ever imagined?In this crossover episode (with Church Society), Rebecca and Lee Gatiss unpack the book of Colossians—and why its claims about Jesus completely reshape identity, purpose, and freedom. They also tackle one of the Bible's most misunderstood topics: slavery, and why the gospel actually undermines it from the inside out.Follow Lee:Church Society Website | TwitterGet 30% off all Good Book Guides and For You commentaries at thegoodbook.com with code **GOODBOOK**—or enjoy 40% off during the annual sale from May 5th to May 12th.Find the Conversational Commentaries Series wherever books are sold, or visit crossway.org/conversationalcommentaries to get 30% off with a free Crossway+ account.Watch Us on YouTubeSign up for weekly emails at RebeccaMcLaughlin.org/SubscribeFollow Us on Instagram and XProduced by ⁠⁠⁠⁠The Good Podcast Co.⁠⁠⁠⁠

What does it really mean to be saved?And why does baptism matter?In this message, we break down two life-changing questions:-Have you been saved?-Have you been baptised?This sermon unpacks the heart of the Gospel — not as religion, but as a real relationship with God. Discover how salvation is a gift for everyone who believes (not something you earn), what it means to be “born again,” and why baptism is a powerful, public declaration of your new life in Christ.Whether you're new to faith, returning to church, or wanting clarity, this message will help you understand:-What Jesus actually did for you-How you can be sure you're saved-What changes when you follow Christ-Why baptism matters and when to take that step This could be your moment.#Salvation #Baptism #ChristianFaith #AffirmingFaithTo support the ministry of Melbourne Inclusive Church go to: www.michurch.org.au/giveMelbourne Inclusive Church boldly and proudly proclaims Christ's equal love for all people regardless of their ability, socio-economic status, sexual orientation, age, gender, race, ethnicity, or culture.Melbourne Inclusive Church is part of the EMI Global family of churches.

Follow us on:Facebook: agapechurchsloInstagram: @agapechurchsloWebsite: agape.churchBUILT TO LAST – God's Plan for Love, Marriage & FamilyWeek 3 | Built on Understanding: Loving Each Other WellA husband once said, “I don't understand my wife… I fixed the problem, but she's still upset.” The wife said, “I didn't want you to fix it—I wanted you to feel it with me.”Now the husband is confused… The wife is frustrated… And both are thinking:“Why is this so hard?”Because here's the truth: Most conflict in marriage is not about bad intentions…Most conflict in marriage is about MISUNDERSTANDING.Two people can love each other deeply… and still hurt each other consistently… if they don't understand how to love each other well.If your marriage is going to be Built to Last, you have to move beyond: “I love you” …to “I KNOW HOW TO LOVE YOU.”FOUNDATIONAL SCRIPTURE1 Peter 3:7 (ESV)Likewise, husbands, live with your wives in an understanding way, showing honor to the woman as the weaker vessel, since they are heirs with you of the grace of life, so that your prayers may not be hindered.Not just living together… but living with understanding.POINT 1: LOVE REQUIRES LEARNINGWe assume love should come naturally… But biblical love is a learned skill.Philippians 1:9And this is my prayer: that your love may abound more and more in knowledge and depth of insight,Love is not just emotional—it's intentional and informed.BIG IDEA…You cannot love someone the right way if you do not take the time to understand them.Real love is more than strong feelings; it requires the humility to keep learning how the other person receives care, support, and affection.What encourages them? What hurts them? What fills them up? What drains them?POINT 2: OUR UNIQUENESS IS BY DESIGN, NOT BY ACCIDENTGod didn't accidentally make men and women different.Genesis 1:27So God created mankind in his own image, in the image of God he created them; male and female he created them.Different wiring; Different perspectives; Different emotional processingBut here's where we struggle: We expect the other person to love us the way we naturally give love.That's why: One feels unloved… The other feels unappreciated… …and both are trying (unsuccessfully) to make the relationship work.BIG IDEA…God made us different on purpose, so loving each other well takes understanding, patience, and humility.Because God created each person with unique needs, perspectives, and ways of relating, healthy love requires us to understand those differences rather than fight against them.POINT 3: LOVE AND RESPECT ARE FOUNDATIONAL NEEDSEphesians 5:33However, let each one of you love his wife as himself, and let the wife see that she respects her husband.Now let's be clear: Both need love & Both need respect… But Scripture highlights a tendency: Men often respond strongly to respect and Women often respond deeply to love When a man feels disrespected → he withdraws or reactsWhen a woman feels unloved → she disconnects or defendsBIG IDEA…When basic needs of love and respect are missing, conflict multiplies.POINT 4: STOP KEEPING SCORE AND START SERVING MOREScorekeeping is one of the fastest ways to damage a relationship and foster resentment.“I did this…”  “You didn't do that…” “I gave more…” Philippians 2:3–4Do nothing from selfish ambition or conceit, but in humility count others more significant than yourselves. Let each of you look not only to his own interests, but also to the interests of others.Mark 10:45For even the Son of Man did not come to be served, but to serve, and to give his life as a ransom for many.Jesus didn't say: “Serve if they deserve it.”Jesus modeled: Serve because that's who you are!BIG IDEA…Strong marriages are built when both people stop measuring each other's effort and start meeting each other's needs. POINT 5: COMMUNICATION BUILDS OR BREAKS CONNECTIONMost couples don't have a love problem… they have a communication problem.James 1:19Know this, my beloved brothers: let every person be quick to hear, slow to speak, slow to anger;Too often we find ourselves being: quick to speak… slow to listen… and way too fast to react Proverbs 18:2A fool takes no pleasure in understanding, but only in expressing his opinion.BIG IDEA…If you listen to respond, you'll miss understanding. If you listen to understand, you'll build connection.PRACTICAL TOOLS FOR LOVING EACH OTHER WELL1. LEARN YOUR SPOUSE INTENTIONALLYAsk questions; Study their needs Don't assume—learn.2. SPEAK THEIR LOVE LANGUAGENot what's natural to you; What's meaningful to themLove is most powerful when it's received.3. PRACTICE DAILY ENCOURAGEMENTSpeak life and Affirm oftenYour words build up or tear down.4. SCHEDULE HEALTHY CONVERSATIONSNot just reactive talks… but Intentional connection timeDon't only talk when something's wrong.5. CHOOSE SERVICE OVER SCOREKEEPINGDo good without keeping track and Give freelyGrace sustains what scorekeeping destroys.Some of you love each other…but you're not experiencing the relationship God intended…because you haven't learned how to love each other well yet.But here's the good news:Love can growUnderstanding can increase and …Your marriage can get stronger.CONSISTENT PRAYER MOVING FORWARD…“God, teach me how to love my spouse better.”“Help me understand, not just react.”“Break selfishness and build servant-hearted love in me for my spouse and for others.” DECLARATIONI will not love based on convenience. I will not love based on feelings alone. I choose to love with understanding. And when love is built on understanding and empowered by the finished work of Jesus… it lasts.

We're always teaching our kids values. The question is, are we being intentional about it? In this episode of the All Pro Dad Podcast, host Ted Lowe is joined by BJ Foster and Bobby Lewis to reflect on the lessons they were taught and offer four practical ways parents can pass on solid principles to their kids.Why This MattersThe values we intentionally teach and model become the compass that guides our kids' character, decisions, and relationships for the rest of their lives.Key Takeaways·      Kids watch us constantly: Harvard research shows children learn social behaviors primarily through observing and imitating adults, especially parents.·      Being specific matters: General praise doesn't accomplish as much as specific praise, which, when tied to values, increases repetitive behaviors. Actions Steps for Dads1: Think through the values you want to teach.2: Talk about values with your kids.3: Model your values.4: Affirm your kids when they live out your values.Important Episode Timestamps 00:00:21 – Childhood Values That Shape Who You Become00:01:59 – When You Don't Live Up to Your Values00:04:07 – You're Always Teaching Values (On Purpose or Not)00:04:58 – Why Kids Need Values to Navigate Life00:06:43 – The Two Values That Matter Most: Character and Relationships00:07:38 – Step 1: Decide What Your Family Stands For00:10:57 – Real-Life Family Values That Actually Work00:12:28 – Step 2: Talk About Your Values With Your Kids00:13:08 – Teaching Perseverance: “Don't Quit”00:14:04 – Step 3: Model the Values You Want to See00:18:18 – Step 4: Affirm and Reinforce Good Behavior APD Pro Move:Write out your family values together as a group. Put them on paper and hang them somewhere in your house where you can see them, memorize them, and hold each other to them.All Pro Dad Resources:4 Ways to Teach Your Kids to Be More Than a Good PersonDon't Raise Perfect Kids—Raise Good Ones5 Ways to Help Your Kids StanWe love feedback, but can't reply without your email address. Message us your thoughts and contact info!Connect with Us:Ted Lowe on LinkedInBobby Lewis on LinkedInBJ Foster on LinkedInSubscribe on Apple PodcastsGet All Pro Dad merch!EXTRAS:Follow us: Instagram | Facebook | X (Twitter)Join 200,000+ other dads by subscribing to the All Pro Dad Play of the Day. Get daily fatherhood ideas, insight, and inspiration straight to your inbox.This episode's blog can also be viewed here on AllProDad.com. Like the All Pro Dad gear and mugs? Get your own in the All Pro Dad store.Get great content for moms at iMOM.com

Send us Fan MailThe April 4, 2026 episode of Views on the News from the Couch looks at the firing of Chicago Bulls guard Jaden Ivey after he criticized the NBA's Pride Month promotion on his own time, away from the court and team facilities. The Bulls labeled his Instagram post “conduct detrimental to the team,” even though the comments focused on the league's embrace of Pride Month rather than any teammate or basketball issue. The episode walks through what Ivey said, how the Bulls and the NBA reacted, and why punishing a player for off‑court religious and political speech should worry anyone who still thinks free expression means more than just repeating the current corporate line.This post also offers additional sex themed months the NBA might consider.  Heterosexual month, Virgin month, Not getting enough month, Bondage month, and let's just play basketball month.  Note, I do not have Instagram so I did not listen to Jaden Ivey's entire Instagram post.

It's Friday, April 3rd, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Pakistani Christian legislator's bill would end forced conversions to Islam On March 31st, a Pakistani Christian lawmaker introduced a bill to criminalize forced religious conversions to Islam with penalties of up to five years in prison, reports Morning Star News. Falbous Christopher submitted the Punjab Protection of the Rights of Religious Minorities Bill 2026 in a renewed attempt to address a long-standing human rights challenge affecting Pakistan's religious minorities, particularly Christian and Hindu women and underage girls. No doubt his bill was inspired by stories like Maira Shahbaz, a 14-year-old Christian girl, who was abducted and forced to convert to Islam and marry a Muslim man in April 2020. Micah 6:8 urges us “to act justly, to love mercy, and to walk humbly with your God.”  Abduction of girls, forced conversion to Islam, and forced marriages are out of keeping with all three. Trump: We'll be free from Iranian wickedness and nuclear blackmail On Wednesday night, President Donald Trump addressed the nation with an update on “Operation Epic Fury,” the United States war with Iran. TRUMP: “We are on track to complete all of America's military objectives shortly. We're going to hit them extremely hard over the next two to three weeks. We're going to bring them back to the stone ages, where they belong. In the meantime, discussions are ongoing. “Regime change was not our goal. We never said regime change. But regime change has occurred because of all of their original leaders' deaths. They're all dead. The new group is less radical and much more reasonable. “Yet, if during this period of time, no deal is made, we have our eyes on key targets. If there is no deal, we are going to hit each and every one of their electric-generating plants very hard and probably simultaneously. We have not hit their oil, even though that's the easiest target of all, because it would not give them even a small chance of survival or rebuilding. “They have no anti-aircraft equipment. Their radar is 100% annihilated. We are unstoppable as a military force. The nuclear sites that we obliterated with the B2 Bombers have been hit so hard that it would take months to get near the nuclear dust. “We have all the cards. They have none. They were the bully of the Middle East, but they're the bully no longer. Tonight, every American can look forward to a day when we are finally free from the wickedness of Iranian aggression and the specter of nuclear blackmail.” War Secretary Hegseth quoted from imprecatory Psalms On March 25th, War Secretary Pete Hegseth quoted from the imprecatory Psalms and invoked divine wrath against the enemies of the United States during introductory remarks he made at the first monthly prayer service at the Pentagon since the outbreak of the war in Iran, reported The Christian Post. Hegseth read from a military chaplain's prayer used ahead of the January 3rd, 2026 operation to capture Venezuelan dictator Nicolás Maduro which he implied was equally relevant in the battle against the leadership of the Islamic Republic of Iran. Listen. HEGSETH: "Almighty God, who trains our hands for war and our fingers for battle, You who stirred the nations from the north against Babylon of old, making her land a desolation where none dwell: behold now the wicked, who rise against Your justice and the peace of the righteous. "Snap the rod of the oppressor, frustrate the wicked plans of the ungodly. By the blast of Your anger, let the evil perish. Let their bulls go down to slaughter, for their day has come; the time of their punishment. Pour out Your wrath upon those who plot vain things and blow them away like chaff before the wind." Psalm 17:13 says, “Rise up, LORD, confront them, bring them down; with your sword. Rescue me from the wicked.” Constitution expert predicts Supreme Court will affirm birthright citizenship Appearing on The Human Events podcast, Mike Davis, the founder of the Article III Project, predicted that the U.S. Supreme Court appears likely to affirm “birthright citizenship” for illegal aliens.  Listen. DAVIS: “I worry this is a 7-2 case.” JACK PROSOBIEC: “Wow!” DAVIS: “I worry that the only two justices who will have the courage to follow the law here are Justice Clarence Thomas and Justice Sam Alito. I worry that the Chief Justice [John Roberts] and the three Trump justices [Neil Gorsuch, Brett Kavanaugh, and Amy Coney Barrett] will join the three leftists [Sonia Sotomayor, Elena Kagan, Ketanji Brown Jackson]  who will always vote against President Trump. “The law is so crystal clear here. We the people, the sovereign citizens of America, get to decide who comes, who goes, get to decide who our fellow citizens are. We certainly did not give that away after the Civil War. “The 14th Amendment, the birthright citizenship clause, was to correct an egregious wrong with the Dred Scott Supreme Court decision that held that the freed slaves are not citizens. We fixed that with the 14th Amendment. There is a Supreme Court case that has extended that to lawful and permanent residents of the United States. “There is no way that the proponents of the 14th Amendment ever agreed to give birthright citizenship to illegal aliens!” If the Supreme Court does affirm birthright citizenship for illegal aliens it would be a major blow to both President Donald Trump's agenda and the Constitution. President Trump, first president to hear oral arguments, walked out Remarkably, President Trump heard the oral arguments in that birthright citizenship case in person, becoming the first sitting U.S. president ever to do so. At 11:20am on Wednesday, President Trump expressed his fury in a one-sentence post on Truth Social. “We are the only Country in the World STUPID enough to allow “Birthright” Citizenship!” The Western Journal reported that on the day he took office in January 2025, President Trump issued an executive order directing that only children born to parents “subject to the jurisdiction” of the United States are citizens, quoting from the Fourteenth Amendment. NASA launches Artemis II to travel around the moon And finally, on Wednesday night at 6:35pm Eastern, NASA launched the long-awaited Artemis II mission from Kennedy Space Center in Cape Canaveral, Florida. Listen. ANNOUNCER 1: “Here we go. 10-9-8-7 RS 25 engines lift 4-3-2-1. Booster ignition and lift off. The crew of Artemis II now bound for the moon. Humanity's next great voyage begins.” ANNOUNCER 2: “Good roll pitch.” ANNOUNCER 3: “Houston now controlling the flight of Integrity on the Artemis II mission around the moon.” The crew — NASA astronauts Reid Wiseman, Christina Koch and Victor Glover, as well as Canadian astronaut Jeremy Hansen — were the first people to launch toward the moon since the Apollo 17 mission in 1972, more than 50 years ago, reported NBC News. However, they will not land on the lunar surface. Rather, the 10-day mission is designed as a step toward a landing in 2028, building a base on the moon, and eventually, toward NASA's goal of establishing a long-term presence on the moon. Living on the moon will involve inhabiting shielded, pressurized modules or underground lava tubes to protect against radiation, extreme temperatures, and toxic lunar dust. Among other issues for those who colonize the moon: How would they get power? How would they breathe? and How would they get food? Watch a live stream from the cockpit of Artemis II through a special link in our transcript today at www.TheWorldview.com. Close And that's The Worldview on this Friday, April 3rd, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Alicia and Dan break down Intuit's March "In the Know" webinar, covering the biggest product updates coming to QuickBooks this spring. The headliner is a new Buy Now, Pay Later option powered by Affirm—available right inside QBO invoices, with no extra fees and no risk to the business owner. They also dig into Books Close pricing changes, a modernized payroll run table, and new recurring and bulk payment features in Bill Pay.SponsorsWurthy - https://uqb.promo/wurthyResources (there are EVEN MORE links in the slide deck!)Intuit's ITK Slide Deck with links and QR codes: https://staticassets.goldcast.io/public_images/organization/c1847aac-670a-476f-9c63-ad93ce43b7eb/ykjffDsdSgCZB7mBHr7K_March2026_ProAdvisor_InTheKnow_Handout.pdfVote for Alicia & Dan + your favorite ProAdvisor for Insightful Accountant's Top ProAdvisor award, March 24 to April 26: https://survey.zohopublic.com/zs/00DALX?utm_campaign=21663829-2026%20Top%20ProAdvisor%20Awards&utm_source=2026topproadvisors_awardsportal&utm_medium=qrcodemurphCall 1-877-222-1351 to get 2 QBO Advanced shells for $68.75 eachWebinars to learn about Intuit Enterprise Suite: https://ieswebinars.intuit.com/hub/ondemand?i=QHjqXHBPTxn-a8Bzak0SgO9aL-6dgfqRQBO's Accounting AI (Bank Feeds) improvements: https://www.youtube.com/watch?v=Upq8Qk538QAAlicia's upcoming classes: Baby's Got Backups: http://royl.ws/QBO-Backups?affiliate=5393907  3rd Party Apps: http://royl.ws/3rdparty?affiliate=5393907  Budgeting in QBO: http://royl.ws/budgeting?affiliate=5393907Intuit Enterprise Suite class on June 2: http://royl.ws/intuit-enterprise-suite?affiliate=5393907Dan's LinksS of B Blog on comparing Books Review and Books Close: https://www.schoolofbookkeeping.com/blog/what-s-the-difference-between-books-review-vs-books-close-is-it-worth-the-cost Schoolofbookkeeping YouTube: https://snip.ly/SOBYTBlog on Item Receipts and Enhanced Inventory Receiving Free Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayWe want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

What if the one skill that could transform your leadership, your team and your career is the one most people are getting wrong?Over the next six episodes, Phil and Pen explore the skills that matter most right now, drawn from research, coaching, workshops and years of experience working with leaders and teams across the globe.We're kicking off with accountability, one of the most talked-about yet least understood words in the workplace. Too often it gets confused with blame, punishment or surveillance. But real accountability is something far more powerful. It's the foundation of every high performing team, the backbone of self-development and one of the most important skills you can build in a world that is moving faster than ever.In this episode Phil and Pen explore why accountability has never been more critical in fluid, hybrid and remote working structures. They discuss how traditional frameworks that once held teams together have shifted, leaving a gap that only a more intentional approach to accountability can fill.They introduce the CARE model, a practical four-step framework for having accountability conversations that keep relationships intact, focus on shared goals and create lasting change rather than short-term fixes.Phil and Pen also dig into the difference between vertical and horizontal accountability, the surprising connection between consistency and success, and why discipline—far from being old-fashioned—might be the most underrated skill you can develop right now.In this episode you will learn:  Why accountability is not about blame — and how to reframe it for yourself and your team  The CARE model — Connect, Affirm, Reality, Embed — and how to use it in real conversations  How to embed accountability as a daily habit rather than a crisis conversation  Why replacing "I'll try" with "I will" changes everything How discipline generates motivation — not the other way aroundWhether you lead a team, work within one or simply want to show up better in your own life, this episode will give you the tools and language to make accountability feel less like a burden and more like a superpower. Subscribe and follow the 4D Human Being podcast so you never miss an episode.

In this episode, Audra and Caitlin tackle one of the hardest parts of working in special education and behavior support: talking with families when things are not improving yet. When behaviors are escalating or strategies aren't working, those meetings can feel tense for everyone in the room. The conversation explores how educators and BCBAs can stay transparent, rely on objective data, and keep relationships strong with families even when the news is difficult. Instead of panic, blame, or sugarcoating, the focus is on collaboration, trust, and problem-solving together.

LikeFolio's Andy Swan covers consumer sentiment around Affirm (AFRM), which he notes has seasonal swings. Web visits are up “very significantly” year-over-year, but they're still “middle of the pack” vs competitors. He notes that Affirm is turning GAAP-profitable, but they “traded away some growth” for it. He discusses how Affirm could perform in various economic scenarios and highlights their credit card as a growth area.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Listen to Pastor Michael leading us to affirm the covenant relationship we enjoy as a church.

What do we do when a friend changes their mind on faith and sexuality, or when our church changes its position on same-sex marriage? Does 1 Corinthians 5 contain any wisdom that we can apply here? Ashleigh, Ed and Andrew talk it through.Resources mentioned and relatedHealthy Spirituality | Holiness and Church Discipline | James Lawrence | 1 Corinthians 5 The Art of Disagreeing: How to Keep Calm and Stay Friends in Hard Conversations by Gavin Ortlund Does the Bible Really Condemn Loving Same-Sex Relationships? (Engaging Objections #2), Living Out Podcast Why Can't Christians Agree to Disagree?, Sam Allberry How Important Is All This? (Explore Questions #6), Living Out Podcast How Can We Have Good Discussions With Christians Who Disagree With Us on Sexuality?, Andrew Goddard 

It's becoming common for Christian leaders and denominations to reject biblical authority when it comes to human sexuality and marriage. In a recent column in the Lexington Herald-Leader one Kentucky pastor goes so far as to bless the LGBTQ community. The column says Kentucky's conversion therapy is an affront to the gospel of Jesus Christ. But does God really bless all sexual identities? We are joined by Dr. Hershael York, Dean of the School of Theology at the Southern Baptist Theological Seminary and pastor emeritus of Buck Run Baptist Church joins to discuss this.If you would like to interview Richard Nelson, Executive Director of the Commonwealth Policy Center, please email richard@commonwealthpolicy.org.Like and Follow us on Facebook: www.facebook.com/commonwealthpolicyFollow us on X: @CPC4KentuckyFollow us on YouTube: @commonwealthpolicycenterE-Newsletter: https://www.commonwealthpolicycenter.org/mailing-list/

Jim Masturzo, chief investment officer at Research Affiliates, says that "Volatility is just a reaction to something new, and something that has changed," which is why investors can expect a volatile market as it works through the start of the war in Iran. That said, he is not expecting the war to change much, other than increasing volatility, provided it does not last for a long stretch of time. Masturzo does think that current events will contribute to higher inflation, but he says that — whether the Federal Reserve likes it or not — a 3% inflation rate has become the norm and is likely to remain that way, in large part because the economy has shown that it can push through that level of inflation and continue growing.    Vijay Marolia, chief investment officer at Regal Point Capital, also digs in on inflation in "The Week That Is," noting that the upcoming inflation numbers will be the financial story of the week ahead, but also potentially for many consumers' financial lifetime, noting that if higher inflation becomes the norm, it dramatically changes the math for building a retirement-savings nestegg that can overcome longevity and purchasing-power risk. Marolia also discusses the early impacts of war in Iran on the market and how he expects it to play out in oil prices, as well as his sense on what's next for the Space X merger.    David Trainer, president at New Constructs, takes a victory lap on some Danger Zone picks that have paid off, but where he believes there is significantly more trouble to come. It's a rogue's gallery of names like Affirm and Snap that all have fallen by at least 25% in 2026 and much further than that since their 52-week highs; Trainer notes that these stocks, and several others that he discusses, may look like bargains now that they have been beaten down, but warns that investors who buy now could be catching proverbial falling knives. Further, he says, there is no need to chase big losers in hopes of catching a turnaround.

Co-hosting with producer Eric Travis breaks down Affirm's new "buy now, pay later" rent option—splitting monthly rent into zero-interest biweekly payments. They debate cash flow hacks, reminisce on $600/month SoCal apartments now Zestimated at $1,600+, and praise rent-tech like Bilt for credit-building points. On this episode we talk about:   Affirm + Isuzu pilot: Split rent biweekly (no interest/fees) via $10-50/month memberships that report payments to credit bureaus—helps cash flow, not affordability.   Eric's confession: Used fee-free biweekly rent; Travis okays it as the one BNPL he's fine with (unlike shoes/phones).   Rent sticker shock: Eric's old $600 1BR now ~$1,658; Travis's 2018 Vegas 3BR/4BA went from $2,600 to $4,800+ Zestimate.   Bilt love: Pay rent/mortgage with credit card for points (shoutout founder); gamified quizzes make bills fun.   Lifestyle creep: Cheap rents build wealth nostalgia, but "never going back"—location > size if you can walk to casinos/pizza. Top 3 Takeaways 1.  Biweekly rent splits (zero interest) ease cash flow without extra cost—ideal if paid biweekly, risky if monthly salary mismatches.2.  Rents double every ~7 years while fixed mortgages don't—owning locks predictability as utilities/rates rise.3.  Use tech like Bilt for rent points/credit; systems easing big bills (rent = largest expense) free mental space for income growth. Notable Quotes   "This doesn't feel like buy now, pay later... It's just splitting it up into two payments. That feels almost like a better situation for the landlord."   "If this system makes more sense for you to conserve the money... then sure, split it up."   "Set up systems that make it easier to accomplish your goals, rather than trying in the difficulty of the systems you already have." ✖️✖️✖️✖️

On this episode of Highway to Hoover, Joe Healy and Mark Etheridge recap week three around the SEC. They discuss Mississippi State's thriller against UCLA, plus its two wins at Globe Life Field, talk about Texas' quiet brilliance, diagnose the issues Vanderbilt faced in going 0-3 in Las Vegas and much more.00:00 Week Three Setup02:20 Mississippi State vs UCLA Classic06:15 State Weekend Takeaways08:55 A&M Still a Mystery13:00 Tennessee Vibes and Questions18:20 Texas Rolling in Houston21:39 Ole Miss Uncertainty 25:09 Vanderbilt's Vegas Struggles30:36 Alabama Ceiling Questions37:43 Florida Wins at Miami40:58 Clemson-South Carolina Shock44:30 Auburn Takes Nebraska Series48:49 Weekend Results Roundup58:18 Wrap-up and Next WeekKerriston Coffee is proud to be the official coffee of D1Baseball. With over 30 years in the business, this family-owned roastery delivers fresh, small-batch coffee made for college baseball fans, coaches, and everyone in between. Kerriston Coffee ships nationwide, and as a listener to The D1Baseball Podcast, you can use code D1 at kerristoncoffee.com to receive 15% off your first order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we expose the shocking double standards on the left. Gavin Newsom calls California's founding ‘born of genocide' but goes silent on the Holocaust while standing in Munich. NYC Mayor Mamdani shrugs off snowballs hurled at cops as ‘a snowball fight.' And California is stripping parents of custody for refusing to affirm gender ideology in kids. This isn't policy debate—it's moral blackmail, selective outrage, and a war on truth, law, and family. Tune in to hear the full breakdown and why we must fight back. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit drewallen.substack.com/subscribe

Welcome to another episode of The SaaS CFO Podcast! Today, host Ben Murray sits down with Helen Hastings, founder and CEO of Quanta, an AI-powered accounting service and finance platform designed specifically for software and SaaS companies. In this conversation, Helen Hastings shares her unique journey from software engineer to founder, recounting her transition into the world of finance automation after building internal accounting systems at Affirm. She pulls back the curtain on Quanta's innovative blend of both product and service, walking us through how her team leverages in-house technology and automation to offer full-service accounting and reporting for early-stage and growth-stage companies. We delve into what sets Quanta apart—its proprietary general ledger, instant onboarding for startups, and a vision for real-time, intelligent financial insights without the typical growing pains of legacy systems. Ben Murray and Helen Hastings also talk candidly about fundraising lessons, the importance of storytelling in venture capital, and what's ahead as Quanta gears up to launch a standalone software product. If you're a founder, a SaaS finance leader, or just fascinated by the future of accounting tech, this episode is packed with firsthand insights you won't want to miss. Show Notes: 00:00 Engineers and Accountants: Kindred Spirits 03:28 Automated Accounting & Reporting Solution 08:18 "Growing with Our Customers" 10:28 Business Setup Time Variability 15:13 "The Power of Storytelling" 19:27 Flat-Rate AI Subscription Model 20:40 "Product Usage & NRR Focus" 23:26 "Find Helen at UseQuanta" Links: SaaS Fundraising Stories: https://www.thesaasnews.com/news/quanta-raises-4-7-million-in-seed-round Helen Hastings' LinkedIn: https://www.linkedin.com/in/helenbhastings/ Quanta's LinkedIn: https://www.linkedin.com/company/usequanta/ Quanta's Website: https://www.usequanta.com/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

This week's episode is a Valentine's Day warning and a cultural temperature check. Romance scams are surging ahead of February 14, so if he says he loves you but needs a wire transfer, please log out. A year into Trump's term, some voters are saying Biden was better, while Hasan Piker sparks debate by saying he would vote third party over a Gavin Newsom versus JD Vance matchup. TMZ reportedly received a second chilling note involving Savannah Guthrie's mom. Canada is reeling after a tragic event at a school and home, and Affirm now wants to offer Buy Now, Pay Later for rent because apparently even survival comes in installments. Gen Z becomes the first generation to score lower on IQ tests than their parents. Super Bowl ratings are strong with a Bad Bunny boost, Britney Spears reportedly sells her entire music catalog, James Van Der Beek passes away at 48 after a cancer battle, and Cardi B steps into her Little Miss Drama era while Stefon Diggs posts cryptic messages after the Super Bowl loss. Love, politics, pop culture, and a gentle reminder to use discernment. IG: itswista IG/Substack: wordswithwista

Dani Vee chats to author and YKNR host A.L. Tait and Affirm Press publisher Tash Besliev about their brand new collaboration on a children's series set to engage kids in reading. They chat about how the idea emerged, how the books help parents and librarians select books that engage kids and encourage them to read for pleasure. The series is written and illustrated by a variety of Aussie creatives, and have been created to engage young readers. Listen now!

It's Casual Friday on the Majority Report   On today's program: In the Democratic primary for New Jersey's 11th District, Analilia Mejia — endorsed by Alexandria Ocasio-Cortez, Bernie Sanders, and the Working Families Party — holds a 500-vote lead with 91% of ballots counted in a major upset. AIPAC spent heavily targeting the presumed frontrunner, Tom Malinowski and in turn shot themselves in the foot. National affairs correspondent for The Nation, Jeet Heer joins the show to wrap-up the week's news. Topics covered include Epstein, ICE and more. Independent U.S. Senate candidate in Nebraska, Dan Osborn, joins the show to discuss his opponent, Sen. Pete Ricketts role in price manipulation regarding the Tyson meat-processing plant closure that laid off nearly one-third of the residents of Lexington, Nebraska. In the Fun Half: Mayor Mamdani sign Executive Order to protect immigrants from abusive immigration enforcement. Donald Trump reposts racist Ai gif depicting the Obamas as monkeys. As Trump has gutted and weakened the IRS, experts warn that the agency may struggle to handle tax season effectively. Americans are also learning that Trump's campaign promise of "no tax on overtime" applies only to the extra half-time portion of time-and-a-half pay — not to the full overtime wage, and they are not happy. The buy now, pay later companies like Affirm have begun offering rent now, pay later loans to people who cannot make their rent. Harry Enten presents polling that shows Democrats have a +39 lead with independents over Republicans on the economy. RFK, Jr. claims that schizophrenia and bi-polar disorder can be cured by the keto diet. all that and more To connect and organize with your local ICE rapid response team visit ICERRT.com The Congress switchboard number is (202) 224-3121. You can use this number to connect with either the U.S. Senate or the House of Representatives. Follow us on TikTok here: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here: https://www.twitch.tv/themajorityreport Find our Rumble stream here: https://rumble.com/user/majorityreport Check out our alt YouTube channel here: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase Check out today's sponsors: NAKED WINES: To get 6 bottles of wine for $39.99, head to NakedWines.com/MAJORITY and use code MAJORITY for both the code AND PASSWORD.   RITUAL: Get 25% off during your first month. Visit ritual.com/MAJORITY. COZY EARTH: Go to cozyearth.com/MAJORITYREPORTBOGO for an exclusive deal only available Jan 25th - Feb 8th! SUNSET LAKE: Now through February 9th you can use the code VALENTINE26 to save 30% on all of Sunset Lake's gummies, chocolate fudge, and Farmer's Roast infused coffee beans at SunsetLakeCBD.com  Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech On Instagram: @MrBryanVokey Check out Matt's show, Left Reckoning, on YouTube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com

After each company reported quarterly results, Amazon stock is lower on AI spending plans, Reddit shares are up on strong guidance for 2026, Roblox is up on a smaller-than-expected loss, and Affirm issued upbeat guidance for the full year. Plus, Coca-Cola is discontinuing an 80-year-old product in the U.S. and Canada: frozen Minute Maid juice concentrate.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Amazon the latest big tech name to announce blockbuster AI spending plans:Carl Quintanilla, Jim Cramer and David Faber began the hour breaking down the news - along with mixed results from the name and how to trade them. With the NASDAQ on pace for its worst week since November, are there software names worth taking a look at here? The team discussed Cramer's predictions when it comes to long-term winners and losers here, along with what comes next for the broader markets after this week's volatility... and Bitcoin.  Plus: Affirm CEO Max Levchin joined the broadcast to breakdown new numbers from the company - and the team broke down other key movers of the early trade, from Stellantis to Reddit to Strategy.   Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Amazon reports alongside key results from Affirm, Reddit, Roblox, and Strategy. Roth's Rohit Kulkarni joins with instant analysis of Amazon's quarter, investor expectations and what the results signal for Big Tech and consumer demand. Michael Farr, President and CEO of Farrcrest, assesses overall market conditions amid this slide in tech stocks. Bitwise CEO Hunter Horsley weighs in on a sharp downturn in crypto markets and what it means for risk appetite. Bob Michele, Chief Investment Officer at JPMorgan Asset Management, discusses bond and commodity market dynamics, offering perspective on rates, inflation, and global growth. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down to have an honest conversation with the CEO of Affirm, Max Levchin. To keep up with Max, consider following him on LinkedIn and X! You can also follow Affirm on X. ---We're thrilled to introduce the Rich Habits Money Map! If you're someone ready to automate your saving and investing, the Rich Habits way, this workflow by Sequence is for you. Click here to sign up for Sequence and gain access to our Rich Habits Money Map! ---

Is "buy now, pay later" a debt trap or the future of finance? Affirm CEO Max Levchin says the real problem is the credit card in your wallet. On this week's episode of Bold Names, Levchin joins WSJ's Tim Higgins to discuss how his early days as a co-founder of PayPal led him to his latest venture: using “buy now, pay later” loans to reinvent how people buy things. We talk about why he thinks financing is more transparent than credit, the personal reason he hates late fees and how AI is changing shopping. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com. Check Out Past Episodes: The Boldest Ideas of 2025 — And What's in Store for 2026 Inside Visa's Tech-Charged Future: From Crypto to AI This CEO Says Global Trade Is Broken. What Comes Next? Why Bilt's CEO Wants You To Pay Your Mortgage With a Credit Card Let us know what you think of the show. Email us at BoldNames@wsj.com. Sign up for the WSJ's free Technology newsletter. Read Christopher Mims's Keywords column. Read Tim Higgins's column. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bold Names is gearing up to be bigger and bolder than ever in 2026. Get ready for another year of the best minds in business and tech going deep on the latest industry moves. From the C-suite of tech companies like SAP, Qualcomm and Affirm, to leaders from Lamborghini, Southwest Airlines and Chobani, WSJ's Christopher Mims and Tim Higgins will be back next week to kick off a new year of conversations with the leaders shaping tomorrow. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com. Check Out Past Episodes: The Boldest Ideas of 2025 — And What's in Store for 2026 McLaren CEO Zak Brown On F1 And Business Strategy At 200 Miles Per Hour This Tech Founder's $1.3 Billion Company Is Taking On Apple and Samsung This CEO Says Global Trade Is Broken. What Comes Next? Let us know what you think of the show. Email us at BoldNames@wsj.com. Sign up for the WSJ's free Technology newsletter. Read Christopher Mims's Keywords column.Read Tim Higgins's column. Learn more about your ad choices. Visit megaphone.fm/adchoices

You can call off the search.(T)here is no other Voice but this One.There is no other Silence.There is no other God.There is no other awakening experience.When your mind is telling you that you're not 'there' yet,you're hearing it from 'there'.This is It.You're hearing THE Voice.You are the Voice.This Silence is what you are.This silence is what I Am (is).Affirm that, 'This Silence is what I Am."The first few times with words, and then drop the words.Your whole being is singing, SHREEMing, 'I Am' without words...being the silence I Am,being the Love I Am,being That, I Am. (Exodus 3:14) I Love you,niknikki@curlynikki.com--Our new book, 'Wake Up to Love' is HERE! Get your copy. Share a copy. Be the Love you wake up to!_______________Support GoOD Mornings on Patreon -https://www.patreon.com/c/goodmorningsQUOTESMeditation excerpt from the 'Little Book of Life and Death' by Douglas Harding"There is no instrument other than deep meditation that can detect the presence of that almighty Grace within. Still the body, withdraw the energy from the senses into the brain, calm the heart: Christ will be there; you will feel the divine joy of the Infinite Christ."-YoganandaReading from, 'Voice of the Masters' by Eva Bell Werber

(Note: A version of this episode originally ran in 2022.)Every time you shop online and make it to the checkout screen, you see those colorful pastel buttons at the bottom. Affirm. Klarna. Afterpay. Asking: Do you want to split your payment into interest-free installments? No credit check needed. Get what you want, right now. That temptation got shoppers like Amelia Schmarzo into some money trouble. Back in 2022, she maxed out her credit card after a month of buying now and paying later. She's not alone. Buy now, pay later is everywhere now. And you can finance almost anything with it. Your clothes, your furniture … even your lips. But if these companies don't charge interest, how do they make money? In short, people buy more stuff using these services and so sellers are willing to pay up. Which makes buy now, pay later, something of a threat to credit card companies. Cue the tussle for your impulse-buying clicks. Today on the show, we find out how the companies work, who's most likely to use these services and who's getting a good deal. And a warning: those little loans will soon be on your credit report. Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.This episode was produced by Emma Peaslee, engineered by Josh Newell and edited by Molly Messick. Our update was reported by Vito Emanuel, produced by Willa Rubin, engineered by Gilly Moon and edited by our executive producer, Alex Goldmark.Music: Universal Music Production - "Retro Funk," "Comin' Back For More," "Reactive Emotion," and "EAT."Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy