Podcasts about broadcast

Aug 22, 2025 – This morning in Jackson Hole, Wyoming, Fed Chair Jay Powell stated that monetary policy remains restrictive and that adjustments are likely needed. While a rate cut was already widely anticipated for next month's Fed meeting...

Aug 22, 2025 – Speaking with Financial Sense, Substack powerhouse Doomberg explores how energy has become the decisive factor in the new global power struggle. The conversation highlights China's rapid ascent as the largest producer...

This week's Global DJ Broadcast sees Markus Schulz return with a fresh selection of essentials and a special guestmix from Montreal duo Hicky & Halo. The spotlight shines on Markus' brand new single What Remains of Us, available to support from this Friday, August 22, as part of the journey towards In Search of Sunrise 21 Mix 2: The Nirvana, arriving Wednesday, August 27. Alongside it come standout moments from Sunny Lax, Matt Fax, Marsh, Volen Sentir & XIRA, Pavlo Vicci & Claudia Pavel, Tiesto and more. Hicky & Halo deliver their signature deep and melodic textures in the guest mix, before Markus rounds things off with powerful cuts from Daxson, Neelix and Mark Sherry.   The Essentials with Markus Schulz 01. Sunny Lax - Amadeus 02. Roddy Lima - Night Time 03. Laura van Dam & Q.U.A.K.E - Holding On 04. Matt Fax - Ascend 05. Marsh, Volen Sentir & XIRA - Different [In Bloom] 06. M.O.S. - Beyond Your Mind [Deeper Shades] 07. Dubfire - Roadkill (MEDUZA x ESSENTIA Remix) 08. Tiesto & Poppy Baskcomb - Drifting (Arodes Remix) 09. L.S.G. - Netherworld (BLR x Hel:sløwed Remix) 10. Adam Beyer - Waypoint 11. Anyma, Argy & Son of Son - Voices in My Head (Amelie Lens Remix) [Down the Rabbit Hole] 12. Pavlo Vicci & Claudia Pavel - Win it All 13. Arty - Hope [Hall of Fame] 14. Sunlight Project - Far Away from You 15. Yahel & Victor Ruiz - Liquid Love 16. Markus Schulz - What Remains of Us [A Moment of Sunrise]   Hicky & Halo 01. Hicky & Kalo, Anonimat - Lifeline 02. Hicky & Kalo, Kabi - First Snow 03. Jamie Stevens, Meeting Molly - Illusionist (Hicky & Kalo Remix) 04. Anonimat, Togni - Winds of Change 05. Anonimat, Togni - Core Heat   Back with Markus Schulz 17. Le Shuuk - Tamara 18. Neelix & Karla Blum - Promise 19. Silva City - Eternal 20. KAS:ST - 2084 (Space 92 Remix) 21. MOTVS & FrankyEffe - We Stand We Fall 22. Talla 2XKC, Torsten Stenzel & Red Light District - Did You Hear Me 23. Daxson - Perpetuity 24. Westbam - Wizards of the Sonic (Mark Sherry Remix)  

On this week's Business of Sports, Andrew Brandt gives his thoughts on some of the biggest news around the sports world including: Thoughts on the new Cowboys documentary The Browns name Joe Flacco their starting QB Daniel Jones named Colts' QB1 Trades across the NFL MLB Broadcast deals And more! Download the DraftKings Sports Book App and use code ROSS Connect with the Pod Website - https://www.rosstucker.com Become A Patron - https://www.patreon.com/RTMedia Podcast Twitter - https://twitter.com/RossTuckerPod Podcast Instagram - https://www.instagram.com/rosstuckerpod/ Ross Twitter - https://twitter.com/RossTuckerNFL Learn more about your ad choices. Visit podcastchoices.com/adchoices

every day we take a breath from the busy work day to take a break and hang out with friends to talk about the worlds of Sports, Entertainment and specifically CrossFit.  Today we talk about a 7K Run and some Clean and Jerks.0:00 Welcome!0:33 Live at the Age-Group Games 9:08 Dense Update16:42 Hopper's Video & Smack Talk19:34 C&J: Lift Predictions23:15 Broadcast & Schedule28:14 WodPrep Interview with Bob & Joe32:12 Adler: Withdrawal from WFP: Tour Stop 237:40 Lunch Shows & Sunday Night 39:46 Back to Work!

Mike and Matt go through and give their opinions on the different NFL Broadcast teams.

Aug 20, 2025 – Explore the decisive factors in the US-China race for AI supremacy with Woody Preucil of 13D Research and Strategy. While the US leads in chip design and AI models, China's focus on digital infrastructure, 5G, and electricity production...

Aug 19, 2025 – Are you prepared for the next move in markets? Find out how global liquidity, tariffs, and fiscal policy are shaping the investment landscape in our exclusive conversation with macro strategist Jonathan Petersen at Variant Perception...

Aug 18, 2025 – Losing a spouse or loved one is a difficult and overwhelming experience, often leaving many unsure of what to do next. In this insightful interview, Jim Puplava walks listeners through a comprehensive survivor checklist...

We're living in an era of endless noise, notifications, and distractions, and that's exactly why I created Broadcast, my free Telegram channel. In this episode, I share the vision behind Broadcast, why it's different from social media or email, and how it creates a focused, intimate space for women entrepreneurs to learn, take action, and experience my teaching style. You'll also learn how you can apply this visibility strategy to your own business so your audience gets more depth, more connection, and more momentum... without the noise.

We're living in an era of endless noise, notifications, and distractions, and that's exactly why I created Broadcast, my free Telegram channel. In this episode, I share the vision behind Broadcast, why it's different from social media or email, and how it creates a focused, intimate space for women entrepreneurs to learn, take action, and experience my teaching style. You'll also learn how you can apply this visibility strategy to your own business so your audience gets more depth, more connection, and more momentum... without the noise.

August 15th, 2025 Smooth R&B to relax on a Friday night w Donnie Doo Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

Have you ever felt a quiet sense of pride after giving, like you were just a little more faithful than others?It's a subtle temptation, but one we must take seriously. When our giving becomes a way to elevate ourselves rather than glorify God, we've missed the heart of generosity—and possibly much more.When Giving Becomes About UsSelf-righteous giving hides behind good behavior. It's giving to feel morally superior. Giving to prove we're spiritually ahead. Giving to show God—or others—that we've “got it right.”Jesus addressed this in Luke 18:“Two men went up to the temple to pray, one a Pharisee and the other a tax collector… The Pharisee… prayed: ‘God, I thank you that I am not like other people… I fast twice a week and give a tenth of all I get.' But the tax collector… said, ‘God, have mercy on me, a sinner.' I tell you that this man, rather than the other, went home justified before God.”The tithing, fasting Pharisee was not justified—not because his actions were wrong, but because he trusted in himself.The Heart CheckReligious acts, even impressive ones, can't save us. When we give to make ourselves look good, we risk trusting in our performance rather than Christ's finished work.There's nothing wrong with joy in giving—God loves a cheerful giver. But when joy turns to superiority, we've crossed the line. As Deuteronomy 8 reminds us:“Remember the Lord your God, for it is he who gives you the ability to produce wealth…”Everything we have—even the ability to give—comes from Him.Giving That Glorifies GodJesus warns in Matthew 6 not to give for the sake of being noticed. True generosity is humble, often quiet, and motivated by gratitude. It's giving that reflects Christ, not ourselves.John the Baptist put it best: “He must increase, but I must decrease.”So, if you notice pride in your giving:Confess it to the Lord. His grace cleanses and corrects.Refocus on gratitude. Remember how much you've been forgiven.Practice hidden generosity. Give anonymously or where no one will notice.Before each gift, pray: “Lord, may this reflect You, not me.” Because generosity is never about proving ourselves—it's about responding to the One who gave everything for us.On Today's Program, Rob Answers Listener Questions:I'm 52 and currently have about 71% of my 401(k) invested in company stock, which has been generating returns of 30–36%. When and how should I begin diversifying to protect my retirement savings while still benefiting from my company's potential growth?My husband (62) and I (58) are debating whether to start collecting Social Security now. We still run our own business and earn an income, but I'm concerned about how starting Social Security could affect our Medicare coverage. What's the best strategy for our situation?I own and rent out a three-unit apartment building and want to know if there are any advantages to placing the property in an LLC.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Details from President Trump's meeting in Alaska with Russia's Putin. US lawmakers say progress was made even without a ceasefire agreement. More on their reactions.President Trump discloses a bombshell promise from the Chinese communist party leader: China will not invade Taiwan as long as Trump is in office.Two geopolitical analysts join us to unpack what to expect at tomorrow's White House meeting between Presidents Trump and Zelenskyy post Alaska summit with Russia's Putin.A rehabilitation doctor explains why weight loss is one of the most commonly discussed topics between physician and patient. Plus, details on what we know about weight-loss medications.And, a prehistoric fossil is taking a vacation in Europe. Her name is Lucy, a more than 3-million-year-old skeleton first found in Africa.

My dear, there are nights when the air feels heavier… when the darkness clings to you like damp earth. On such nights, the dead may walk, killers may strike unseen, and strange lights may beckon you to your doom.This evening, we have five stories steeped in shadow and dread:where corpses refuse to rest, reptiles hiss in the dark, and midnight becomes the hour when all debts are paid.

Danny Wallace, your Great Leader has time-slipped. Don't for a second try telling him he hasn't, because he won't like it. He is a man of his own will and wishes… That is unless he has an evening at home alone with his cat and dog, because in that case, they are firmly in charge. Please send your listener comments to Danny@radiox.co.ukThis week's podcast is dedicated to Sam.Thank you.

Special Extended Exclusive!Make sure to check out the next SOULHAUS Sessions with Preach Jacobs Live Event! https://www.kogercenterforthearts.com/event/soulhaus-sessions-with-preach-jacobs/Get your tickets now! A Conversation with Nikky Finney and Art by Dre Lopez!August 20th @ the USC Koger CenterPartnered with Broadcast and Media Relation Manager of the Columbia Fireflies, John Kocsis, Jr., Here is your Columbia Fireflies Update!Thanks to Cake (the band) for our Columbia Fireflies Update Music Bed; "Shadow Stabbing."John Kocsis, Jr. | "Play-by-Play from the Minors: Profiles of Baseball Broadcasters from Scranton to Yakima"The All About Nothing: Podcast | LinktreeColumbia Fireflies | MiLB.comJohn Kocsis, Jr. TwitterColumbia Fireflies TwitterClick here for Episode Show Notes!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:Everplay Sports and Social Fall 2025 Leagues!Visit EverplaySocial.com for all of the details and registration for the upcoming Fall 2025 Schedule! Register by August 21st!Everplay Sports & Social LeagueBIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://barrettgruber.com for more from BIG Media LLC!BIG Media LLC2025 SodaCity Headliners 20250623The 2025 Soda City Comic Con is coming, August 23 and 24 at the Columbia Metro Convention Center! Check https://sodacitycomiccon.com for tickets and details!Soda City Comic ConEverplay Sports & Social - 10th Masters of Putt PuttCome Putt Putt to Glory! 10th Masters of Putt Putt; coordinated by Everplay Sports and Social!Everplay Sports & Social LeagueZJZ Designs - Small BusinessCheck out ZJZ Designs for the best and most original designs in apparel and gifts! ZJZ Designs

Aug 15, 2025 – Could net negative immigration, not just economic cycles, be reshaping the US job market? Jim Bianco at Bianco Research brings a fresh lens to the latest employment data, inflation, and what investors should really watch...

President Donald Trump says he will meet Ukrainian President Volodymyr Zelenskyy at the Oval Office on Monday. The announcement comes after Trump's Alaska summit with Russian President Vladimir Putin on Friday, which he said “went very well.”The Trump administration has agreed to return control of the D.C. police to Chief Pamela Smith, rather than appointing an emergency commissioner. The move follows a federal judge's ruling after city officials sued to block the president's takeover of the force.Hurricane Erin has intensified into a Category 5 storm in the Caribbean, strengthening from a tropical storm in just one day. Forecasters say Erin is expected to move north and turn northeast, potentially threatening Bermuda in the coming days.

Special Guests:   • Dr. James Kroll, "Dr. Deer"  • Blake Barnett, TV Host "Trailing The Hunter's Moon"  • Logan Hall, Texas Trophy Hunters Association  • Ray Sasser (1948 to 2018) Meet Kinder Outdoors Pro Staff...

Aug 15, 2025 – The Fed's next move could hinge on flawed data—with serious market and economic consequences. Join Jim Puplava and Macro Tides' Jim Welsh as they dissect inflation reports, reveal weaknesses in government stats, and unpack...

Jim Elliot once wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.”“Generous” might not be the first word that comes to mind when you think about pro athletes, but Kirk Cousins is rewriting that playbook. The three-time Pro Bowl quarterback in the NFL is using his platform—and resources—for eternal impact. Today, we'll hear how his faith shapes everything from football to finances.Kirk Cousins is the starting quarterback for the Atlanta Falcons and a veteran leader in the National Football League (NFL). He previously spent six seasons with the Washington Commanders and six with the Minnesota Vikings. A four-time Pro Bowler and outspoken man of faith, he is also the cofounder of the Julie & Kirk Cousins Foundation, which supports families and youth through faith-based initiatives.A Legacy of Generosity: Lessons from His ParentsGrowing up as a pastor's kid, Cousins remembers how his parents modeled generosity long before he had a bank account of his own.“My mom had the gift of hospitality,” he says. “Even when I didn't think I needed money, she'd hand me two twenties before I went out with friends. There was just this open-handedness.”While his dad managed the family finances with intentionality, it was his mother's willingness to give freely that left the deepest mark. “It was caught, not just taught,” Cousins reflects, emphasizing how their example shaped his understanding of stewardship early on.From Minimum Wage to Signing Bonuses: A Crash Course in StewardshipWhen Cousins was drafted into the NFL, his first check—a six-figure signing bonus—was a wake-up call.“As a college kid who had never earned more than minimum wage, I didn't know what to do,” he recalls. “I called my dad, and he said, ‘I don't know either!'”That moment marked the beginning of a stewardship journey—one that included learning to give, save, and live below his means in a world of excess. It wasn't easy, especially when surrounded by peers embracing a more lavish lifestyle. But Cousins understood that as an athlete, his income had a shorter runway.“You're approaching a cliff,” he says. “So it's scary to give when your career has an end date. But that's where faith comes in—trusting that God will provide beyond your own earning power.”It would be easy, Cousins admits, to treat financial obedience like a checklist—give, save, repeat. But biblical stewardship isn't about rules; it's about surrender.“I've done that—just checked the boxes. But that's not the abundant life Jesus promises. It's not religion, it's relationship.”He points to Jesus' parable of the treasure in the field (Matt. 13:44): “Once you see Jesus as the treasure, everything else becomes a logical response. Of course you'd sell everything to have Him. Stewardship flows from seeing Him clearly.”When Faith Feels Risky: Giving on a Diminishing TimelineThe tension for Cousins lies in balancing the enjoyment of God's provision with wisdom about the future.“I actually enjoy those moments that require more faith. When I give, and I don't know what's next, it puts the pressure back on God—where it belongs.”But he's quick to acknowledge the gray areas. “What's wise versus what's excessive? There's no formula. You have to walk with God and ask for His guidance daily.”One of the most valuable pieces of advice Kirk received early in his career came from a generous mentor: “Always give in unity with your wife.”That advice stuck.“When Julie isn't comfortable, I pause and pray. Her perspective might be the Holy Spirit speaking. Giving together strengthens our marriage and our stewardship.”Cousins sees their giving not only as a financial decision, but as a spiritual discipline of unity and trust.Planning for the Future: Wisdom Before WealthAs parents to young boys, Kirk and Julie have also had to consider how best to plan their estate. They've established a family office to prepare for the future—but with a strong desire to pass on wisdom before wealth.“We want to get to the end of our lives and say: the wisest hands to put this in are our kids'. But we also want to be realistic. If it wouldn't be wise to pass along wealth, we want our plan to reflect that.”Much of their estate will also go to their foundation, which they hope will be spent down soon after their passing. “We don't want it to live on in perpetuity with intentions we never had. We want to make an impact now.”So, where is Kirk Cousins most excited to give right now? The answer goes back to his roots.“I went to a Christian high school—Holland Christian—and it profoundly impacted my life. I want to make it more affordable for other families, support teachers, and strengthen Christian education.”It's a full-circle moment: a public school kid transformed by Christian community, now investing in the same kind of life-shaping environments for others.Final Whistle: A Life Well StewardedKirk Cousins is more than an NFL quarterback. He's a husband, father, and faithful steward who is using his influence to glorify God—not just in the end zone, but in the quiet decisions of budgeting, giving, and planning for the future.His story reminds us: Stewardship is not about how much we have—it's about how faithfully we respond to the One who gave it all.On Today's Program, Rob Answers Listener Questions:I own my home outright and keep hearing about home title protection services. How real is the risk of title fraud, and should I be concerned?I have rental properties in Arkansas, but my kids in California don't want them. I'm worried that when I pass, they'll sell them quickly for way less than they're worth. Should I go ahead and sell them now and put the money in a trust for my grandkids' education—or is there a better option?”Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Julie & Kirk Cousins FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

President Donald Trump meets with Russian President Vladimir Putin in Anchorage, Alaska, Friday, joined by Secretary of State Marco Rubio and Special Envoy Steve Witkoff. A press conference is set for 7:30 p.m. ET following the summit.Despite the high-stakes talks, both Russia and Ukraine report ongoing attacks. Ukrainian President Volodymyr Zelenskyy continues calling for his country's involvement in the peace process.Texas Gov. Greg Abbott called a second special session after lawmakers failed to pass a new congressional map. Democratic legislators are preparing to return home to bolster legal challenges to the map.

This week Shamari and Kendall discuss some Star Wars news from Fan Expo Boston, as well as new rumors regarding the Rey movie and New Jedi Order!

Today's broadcast is a continuation of the series The Church.

Markus Schulz returns with this week's Global DJ Broadcast, featuring tracks from the newly released In Search of Sunrise 21: The Awakening; including Dakota's Faultline and London to Buenos Aires by Paul Oakenfold & Hernan Cattaneo. Highlights include the world premiere of Pavlo Vicci & Claudia Pavel's upcoming Coldharbour single Win it All, plus Jardin Owens' Too Far Gone, out this weekend. Gabriel & Dresden contribute a special guestmix including exclusive mashups and remixes, while Markus closes with a high-energy journey through techno and euphoric trance.   Global DJ Broadcast August 14 2025 - Markus Schulz and Gabriel & Dresden   The Essentials with Markus Schulz 01. Ezequiel Arias - What is Music 02. Pole Folder & GMJ & Matter - Voyage Austral [Deeper Shades] 03. Markus Schulz presents Dakota - Faultline 04. West of the Sun & Amber Revival - And If You Go (BLR Deep Mix) [In Bloom] 05. Adam Beyer - The Long Way Home 06. Roddy Lima - Shadows 07. Deadmau5 - Sixes 08. Vintage & Morelli - Better Days [A Moment of Sunrise] 09. Paul Oakenfold & Hernan Cattaneo - London to Buenos Aires 10. Bren Lock - Fading 11. Grum - Never Leave U 12. Cassian, SCRIPT & Belladonna - Where I'm From 13. Pavlo Vicci & Claudia Pavel - Win it All 14. Bart Skils & Weska - Torn Clouds [Down the Rabbit Hole] 15. Jam El Mar x SUDO - Rise Above 16. Ferry Corsten presents Gouryella - Anahera [Hall of Fame]   Gabriel & Dresden 01. Dosem x Andain - Beautiful Futuregate (Dave Dresden Mashup) 02. Lopezhouse featuring Angela - Even Now (Gabriel & Dresden Remix) 03. Dusty Kid - Kore (André Winter & Oliver Huntemann Remix) 04. TDJ - On & On (You Lie) (Gabriel & Dresden Remix) 05. Above & Beyond featuring Justine Suissa - Bigger Than All of Us (Above & Beyond Club Mix) 06. Adam Beyer x Gabriel & Dresden - The Treasure Between Us (Dave Dresden Mashup)   Back with Markus Schulz 17. Jardin Owens - Too Far Gone 18. Kreisel - Reflections (Dianthe Remix) 19. Norvis & INLINE - Circuit Overdrive 20. Coredata - Shimmer 21. Victor Ruiz - Sunrise 22. Timmo - Miami Vice 23. Markus Schulz x Frankyeffe - Monolith 24. Super8 & Tab - XX 25. Chicane featuring Moya Brennan - Saltwater (UMEK & Danny Avila Remix)  

On this episode of the Giants Huddle podcast, John Schmeelk is joined by Telemundo 47, announcers Miguel Gurwitz and Rolando Cantú. They are on to promote the Giants Spanish-Language preseason broadcast of the annual "MetLife Bowl" between the Giants and Jets on Saturday, August 16 at MetLife Stadium on Telemundo 47. They also preview the matchup and discuss their journey in broadcasting and the NFL. :00 - Preparing for a preseason broadcast 4:20 - Rolando Cantú on his NFL playing career 6:00 - Miguel Gurwitz broadcasting career 10:15 - Broadcasting as a team 13:08 - This Giants teamSee omnystudio.com/listener for privacy information.

Aug 13, 2025 – FS Insider's Cris Sheridan speaks with Bruce Mehlman of Mehlman Consulting about the growing role of artificial intelligence in politics. They discuss AI's potential to reshape elections through hyper-optimized redistricting...

Aug 14, 2025 – Beneath steady US growth, historic tariffs and simmering inflation hint at turbulence on the horizon. Today, we speak with Lauren Saidel-Baker of ITR Economics discussing the US economic outlook. She explains why ITR...

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren't impulsive spenders buying luxury items. They're retired, living on fixed incomes, and they're relying on credit just to pay for basics like groceries and prescriptions. They're often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they'll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it's a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it's all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn't make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That's not good stewardship.Reverse mortgages aren't for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you're entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today's Program, Rob Answers Listener Questions:I'm 71 and still working, but I'm not sure how much longer I'll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there's a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

President Trump says he's hopeful for peace in Ukraine, speaking just a day before his high-stakes meeting with Russian President Vladimir Putin in Alaska. Putin signaled the U.S. and Russia could soon reach a nuclear arms control deal, while Secretary of State Marco Rubio weighed in on possible developments.The Pentagon says 800 National Guard troops are now in Washington, D.C. Forty-five arrests were made Wednesday night as the capital entered its fourth day under federal control of law enforcement.California officials and Gov. Gavin Newsom today called for a November special election to redraw the Golden State's congressional maps, aiming to counter Republican redistricting efforts in Texas. That's as Texas Democrats say they'll return to the state if their conditions are met.

Many thanks to SRAA contributor, Paul Watson, who shares the following recording. Paul notes:“During the 1980s I was listening to shortwave radio from my home near London, in the southeast of England. I had a cassette recorder connected to the receiver and taped anything interesting that caught my ear. Little did I know that 40 years later the majority of these stations would have disappeared and I would have the opportunity to share these recordings with the world.”This recording is part of a five-part compilation series Paul has created, grouping international shortwave broadcasters by region. The majority of the clips are in English and feature interval signals, station IDs, and sign-ons/offs—a rich snapshot of shortwave radio during its Cold War-era heyday.This particular compilation focuses on: Western EuropeAll recordings were made during the 1980s, most in the first half of the decade. While frequencies and exact dates aren't provided, Paul has kindly included timestamps noting when each broadcaster appears in the audio. These are listed below for easy reference.We're grateful to Paul for sharing this excellent audio time capsule, and for his efforts to preserve and document the golden era of international broadcasting.AUSTRIA: Radio Austria International (0)CYPRUS: Cyprus Broadcasting Company (1.40)DENMARK: Radio Denmark (3.09)FINLAND: Radio Finland (4.29)FRANCE: Radio France Internationale (5.30)GERMANY (WEST): Deutsche Welle (6.30)GREECE: Voice of Greece (7.53)ITALY: RAI (9.24)MALTA: Radio Mediterranean (11.00)NETHERLANDS: Radio Netherlands (12.21)NORWAY: Radio Norway (13.34)PORTUGAL: Radio Portugal (15.34)SPAIN: Spanish Foreign Radio (16.32)SWEDEN: Radio Sweden (18.17)SWITZERLAND: Swiss Radio International (19.53)Red Cross Broadcasting Service (20.38)UNITED KINGDOM: BBC World Service (21.49)

Here is an audio preview of one of the new shows coming out on our Strange Midnight AV YouTube channel. In all of our stress disappearing we basically created 4 different 80s Found Footage Horror ASMR(-ish) TV series. First, there's Lotho's Library of Classic Horrors, an '80s goth public access show where Lotho the Librarian whispers eerie tales pulled straight from classic masters of horror. Then we have Vision Quest Video Club, a series of unsettling guided meditations that feel like they've been beamed in from a dream you don't quite remember. There's also the OTS Student Assessment Tapes, inspired by those hearing and vision tests from school. The ones that may (or may not) have been a CIA experiment. And finally, Whispering Winnie, where a painting of a little girl springs to life to tell you twisted, uncanny versions of your favorite fairy tales. We will be putting out one episode on YouTube a week, the shows alternate, one week Vision Quest, next week Winnie, OTS, and Lotho and so on. But the first drop will be one of each, coming out Thursday August 14th at 6pm. As we mentioned in the intro, we don't wanna overload your feed, just wanted to share a few of them with you guys. @StrangeMidnightAV on YouTube, TikTok & IG. ____________________________ Tonight belongs to Lotho.

Today's broadcast is a continuation of the series The Church.

In this episode of The Visibility Impact Show, we dive into the world of money, taxes, and financial visibility with CPA and tax strategist Tiffany Phillips, CEO of Phillips Business Group. Tiffany shares the truth behind why most business owners are overpaying tens of thousands in taxes, and how to change that using smart, legal strategies. She breaks down what proactive tax planning actually looks like, the common mistakes entrepreneurs make, and why most CPAs are keeping you stuck.Tiffany also opens up about the mindset shifts required to take control of your finances, why visibility builds trust in the financial space, and how she used her podcast to grow her brand and impact. Whether you've been avoiding your numbers or want to optimize what you're already doing, this is a must-listen for women business owners who are ready to feel confident, empowered, and strategic with their money.Grab Tiffany's Book and connect with her:https://yourbiggestexpense.com/https://www.linkedin.com/in/tiffany-phillips-cpa-528587187/Drop us a message...Join this FREE Telegram space, Broadcast... https://thevisibleceo.com/broadcastBROADCAST is for the human-first leader who refuses to be muted by algorithms, AI, or outdated strategies. You've got something to say, and it's time to say it like you mean it. If you are ready for me to shift your thinking on how you can create a business WITHOUT living on your phone - this is the space to be! OMNI is my full visibility system built for CEOs who want to grow online without living on their phone. If you're ready to be truly seen, more strategic, and unmistakably in demand, head to check out OMNI at www.omniqueens.com Take the FREE Quiz to find out how visible you really are at www.thevisibleceo.com/quiz Review, share with a friend and tag me! IG: itscrissyconner FB: crissyconner LI: crissyconnerOMNI is my full visibility system built for CEOs who want to grow online without living on their phone. If you're ready to be truly seen, more strategic, and unmistakably in demand, head to check out OMNI at www.omniqueens.com Take the FREE Quiz to find out how visible you really are at www.thevisibleceo.com/quiz https://www.instagram.com/itscrissyconner/https://www.tiktok.com/@crissyconnerhttps://www.facebook.com/crissyconnerhttps://www.youtube.com/c/crissyconnerhttps://www.linkedin.com/in/crissyconner/

Renata Pedini, editora do Broadcast, participa do Jornal Eldorado às quintas-feiras, 8h20.See omnystudio.com/listener for privacy information.

Aug 12, 2025 – As uncertainty over trade and policy continues, discover why one of the world's top metals analysts believes the bull market in gold and silver is far from over. FS Insider interviews Jeff Christian for an in-depth discussion on gold...

It's been nearly a year since we sat down with Andy Goldberg, the CEO of PCH media, to discuss how the company has successfully navigated more than 40 years of shifts in the media industry. A lot has changed since we spoke, which in a way, makes this conversation all the more relevant. We hope you enjoy, and we'll be back with a fresh episode next week. Summary: Longevity in any business is something to celebrate, but when a media company can successfully evolve through several decades of seismic shifts, it's also a huge lesson in the art of pivoting. Today's guest has navigated through 41 years of change and his company has come through stronger than ever.We're sitting down with Andy Goldberg, CEO of PCH Media. Andy is leading PCH's multi-year transformation as the company continues to pivot from direct-to-consumer retail towards an identity and data-driven advertising business. This includes a concerted effort to attract and hire top media talent to align with the company's new focus. The company is aimed at creating incremental shareholder value based on PCH's unique value exchange and unparalleled ability to generate peer audience authentication, permission first-party data, and tremendous user engagement.Andy has led the company through several successful evolutions via acquisitions in the online search, casual games, and mobile advertising markets. In addition to being CEO, he's also Chairman of the Board of Directors and a past member of the Board of Directors and Executive Committee of the Direct Marketing Association.Recognized for excellence in the industry, Andy has been honored with the Silver Apple Award from the Direct Marketing Club of New York. He earned a BS in Marketing from the Wharton School at UPenn.Highlights:PCH's background and history (3:16)How Andy got involved at PCH and his path to leading transformation initiatives (4:43)User base and engagement at PCH (7:50)The value of PCH's audience and engagement data to marketers and advertisers (9:02)How PCH partners with clients to help them build their databases (13:24)The differences between zero, first, and third-party data (14:47)Andy's take on the discussion around depreciating third-party cookies (16:39)PCH's marketing collaborations with third-party players (19:12)The role of AI in the evolution of PCH (20:39)Andy's outlook on future goals and opportunities for PCH (22:31)Links:Andy Goldberg on LinkedInPublishers Clearing House on LinkedInPublishers Clearing House WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The White House tells NTD that more than 100 arrests have been made since President Trump's D.C. crime crackdown began on Aug. 7. Around 400 National Guard troops are set to deploy in the capital tonight.President Trump spoke with European allies and Ukrainian President Volodymyr Zelenskyy, two days ahead of his historic summit with Russian President Vladimir Putin. He warned of consequences for Moscow if no progress is made Friday and hinted at a possible trilateral meeting afterward.The Trump administration won a legal victory as a D.C. appeals court panel allowed the government to resume its freeze on foreign aid spending, ruling that the plaintiffs couldn't challenge the president's powers.

Author David Daley: Trump and GOP's Unprecedented Gerrymandering Scheme Aim to Rig 2026 Election350.org US Campaign Manager Candice Fortin: Trump EPA to Eliminate Virtually All Climate Regulations and ResearchU.S. Gulf South climate activists Manny Robinson and Roishetta Ozane: Gulf South Activists in NYC Protest Banks' and Insurance Companies' Role in Exacerbating Climate CrisisVisit our website at BTLonline.org for more information, in-depth interviews, related links, transcripts and subscribe to our BTL Weekly Summary and/or podcasts. New episodes every Wednesday at 12 noon ET, website updated Wednesdays after 4 p.m. ETProduced by Squeaky Wheel Productions: Scott Harris, Melinda Tuhus, Bob Nixon, Anna Manzo, Susan Bramhall, Jeff Yates and Mary Hunt. Theme music by Richard Hill and Mikata.

Producer Conor Collins joins the show to talk about Key 49ers of the Week... (10:26) Mike Sando's QB tiers are released and Brock Purdy is 14th... Preseason game and broadcast breakdown and More...https://www.heyguy.co - to BUY HATS or send me an email NEW Prizepicks BONUS: https://prizepicks.onelink.me/LME0/HABERMAN Follow Guy on Instagram: https://www.instagram.com/guyhaberman/Follow Guy on X: https://twitter.com/GuyHaberman LISTEN on APPLE PODCASTShttps://tinyurl.com/Guy-on-Apple-Podcasts LISTEN on SPOTIFYhttps://tinyurl.com/Guy-on-Spotify Enter the Guy's mailbag by leaving a question for in an Apple Podcasts review OR NOW YOU CAN EMAIL guy@heyguy.co Watch Guy's show on YouTubehttps://www.youtube.com/channel/UCUJPrxeyo3vQvDYS2IzvKMAOur Sponsors:* Check out Hims: https://hims.com/GUY* Check out PrizePicks: https://prizepicks.onelink.me/LME0/HABERMANAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

On the latest episode of The Fighter vs. The Writer, Matt Brown and Damon Martin react to the news that the UFC signed a $7.7 billion deal to move to Paramount starting in January but how does that affect the fighters? Will this deal benefit them in any way? Brown has his doubts. Plus we preview UFC 319 and give our picks for Dricus du Plessis vs. Khamzat Chimaev and Aaron Pico vs. Lerone Murphy plus much more! Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest episode of The Fighter vs. The Writer, Matt Brown and Damon Martin react to the news that the UFC signed a $7.7 billion deal to move to Paramount starting in January but how does that affect the fighters? Will this deal benefit them in any way? Brown has his doubts. Plus we preview UFC 319 and give our picks for Dricus du Plessis vs. Khamzat Chimaev and Aaron Pico vs. Lerone Murphy plus much more! Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Learn more about your ad choices. Visit podcastchoices.com/adchoices

Aug 11, 2025 – Discover the cutting edge of personalized health technology on this episode of the Lifetime Planning Show! Financial Sense founder Jim Puplava dives deep into how wearables are transforming early detection, prevention, and...

CLIMBers, what's happening with broadcast? It's not just terrestrial radio that's failing; broadcast/linear television is also struggling. What does this mean for your artist promotion decisions? Stick around and find out. Learn more about your ad choices. Visit megaphone.fm/adchoices

Anne Ganguzza and Danielle Famble dive into a crucial topic every voice actor faces: Return on Investment (ROI). In an industry that combines both tangible equipment and intangible skills, the discussion examines which investments are truly worthwhile. From starter microphones to a full-blown studio, and from coaching to building confidence, Anne and Danielle offer a fresh perspective on how to measure the success of your financial decisions. They emphasize that in a creative industry, ROI is not always about money—it's also about personal growth, confidence, and building a sustainable business.   00:00 - Anne (Host) Hey bosses, we now have events, so don't miss out. Our VIP membership gives you exclusive discounts to events and access to workshops that are sure to boost your voiceover career. Find out more at voboss.com.  00:16 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO Boss. Now let's welcome your host, Anne Ganguzza.  00:35 - Anne (Host) Hey everyone, welcome to the VO Boss Podcast. I'm your host, Anne Ganguzza, and I am here with the Boss Money Talks series with my good friend, Danielle Famble. Hey, Danielle, hey, how are you? I'm good, how are you? I'm good, Danielle. I just got an email from Amazon, oh, and the subject said you might like this, or we found something you might like, which I think is such a marketing tactic. It is a good opening line. Works on me, yeah for sure.  01:08 - Danielle (Guest) It works on me. You definitely opened the email, didn't you?  01:11 - Anne (Host) Yeah, because it's based on my previous you know, either browsing or my previous purchases, and so those of you that have ever perused the VioBoss website know that I have a Studio Gear page where I put all the recommendations for Studio Gear, and so I was updating that page and, of course, everything that they sent to me was Studio Gear related, and I was like, oh, look at that shiny new interface, look at that shiny new pair of headphones. Yeah, you know, new colors, new colors. Yeah, it leads me to think about Danielle what Vio expenses are actually worth the ROI? I mean, that is something that I think every voice actor needs to consider when they're spending money and investing in their business. So which purchases are actually worth it?  01:58 - Danielle (Guest) Yeah, and there are lots of little things that you can invest in in your business and some of them are tangible, like you're talking about the headphones or the interface, and then some of them are intangible, like when you're investing in your education or you're investing in yourself with coaching. So I think that that's such a personal question and it also will change as you progress in your VO boss journey. Agreed, the things that are great returns on investment as you progress in your VO boss journey? Agreed, the things that are great returns on investment when you're earlier on in your career? You may not invest in those again when you're 10, 15, 20, 30 plus years in the game. Right, yeah, that's a fun little question.  02:38 - Anne (Host) I mean we could start with the obvious. The obvious would be most people think, well, okay, I want to be a voice actor, so what do I need? I need a microphone. So there are microphones and there I think microphones are an investment that if you're just starting out and you're not sure if this is really the thing that you want to do or you're going to, you know this is a long term investment for you. Maybe just a starter microphone works. That's a few hundred dollars and I think that that would be worth an investment to just get your feet wet, get you know, dip your toes in the water and find out if this is a career choice that you are going to stick with.  03:12 But if you kind of know that in your heart and you've done enough research and maybe you've gone ahead and done some coaching and you're fairly certain, I would say it's absolutely worth your investment to invest in a good microphone. I mean because I think microphones are one thing. We may use them every single day, right, but we're not like handling them too much. We're not, like you know, dropping them on the ground. God forbid, hopefully not. You're. A good microphone is going to last for years and years, like my 416 and my TLM 103, I have had them for already, like going on 15 years, like, literally there's no signs of slowing down. However, at one point they will, but I've certainly made back the money that I've invested in them, absolutely. What are your?  03:56 - Danielle (Guest) thoughts. I agree, I'm kind of more of the grow as you go kind of mentality. So when I started I was using the Synco Mic D1, I think, or something like that D2. And it was billed as the knockoff 416. And then when I actually had the 416, I was able to listen to them side by side. And it is not, but it worked out for the time being. It was what I could afford at the time and then the additional money or the money that I had that I could have spent on the 416 at the time, I put that money into coaching. I put that money into getting a good demo. I put that money into investing in sort of the soft skills needed to win and do well in this business and really in business in general.  04:45 So I think that the ROI, again, like you, can sort of start with what is the starter, and maybe the starter is a certain dollar amount and I don't think there is a dollar amount, but it's the dollar amount that is comfortable for you. That maybe isn't the 416 or the TLM 103, something like that and then you use some of that money to then invest in the soft skills and invest in your coaching, invest in your website or things like that.  05:16 - Anne (Host) I started off with an AT2020 and I graduated to a Rode MT1A, which is not necessarily what I would recommend today, but those were only a few hundred dollars, and I still remember when I actually got my very first like major investment in a mic was a good 10 years after I had. I had been because I made good money with that Rode for at least six, seven years, and then and it just didn't occur to me because I had a great studio at the time, right, and I didn't hear a need or nobody Everybody said, oh my God, you sound great, and so I didn't feel a need that I had to go experiment with microphones. Now, some people are gearheads. You know we've all got our thing, kind of like me investing in lipsticks or in clothing. You know they have to try it all Totally.  06:08 I remember, though, when I did invest in my TLM 103, I actually heard the difference, but I could not have been able to tell the difference. Probably, I think, when you're first getting into the industry, it takes a minute for you to get an ear. Develop your ear For your sound, for your microphone yeah, we don't talk enough about that and maybe that's fodder for another. You know another episode. But developing your ear in voiceover for performance and for good equipment, it takes time I mean years and it took experimentation. It took, you know, trying, and I think it took me, after years of being in the industry, of hearing the difference with a good quality pair of headphones, with a good quality mic in a good quality studio, and so all of those were were back the ROI.  06:55 - Danielle (Guest) That also increases as well. You know things like investing in your booth, investing in where you're going to record. I started recording in my closet and like adding extra pillows, and I was taking pillow cases off of, like my bed, from the couch cushions. I was taking anything that was soft and just bringing that into the closet with me to record and I, you know I did quite a bit of work that way for a good amount of time and then, you know, time progressed and I got a different booth and then I upgraded to the booth that I'm in currently. So if you, I think, if you can grow as you go, you might be getting more of an ROI because you're developing that, your ear, you're developing your business sense, your business savvy, you're understanding, you know what you bring to the microphone, what you bring to the business, and all of that is how you increase that ROI for sure.  07:53 - Anne (Host) You know, and we should talk about ROI Is ROI always positive financially based?  07:58 - Danielle (Guest) No, I don't think so. No right, I think it can definitely be the intangibles as well. It can be exactly how comfortable you feel attacking commercial copy. It can be how quickly you're able to adjust from in a session when you're given differing opinions on how you should, you know, read a line or something like that. It's your ability to speak up for yourself and ask for what you want and negotiate all of those things.  08:22 - Anne (Host) That's such a good point of this topic because ROI, especially in our industry, when our voices I mean our voices are so much more than just physical voices for our product, it has everything to do with who we are, what got us here, our life journey and confidence right. So if a new microphone can make you feel more confident, can make your performance better, that's going to make your product better. So ROI, I think in our type of industry, when it's a creative industry, really can be almost as much intangible as it is tangible.  09:00 - Danielle (Guest) It's what you're pouring into the product that you're offering, which is tangible. It's what you're pouring into the product that you're offering which is yourself. It's what you're pouring into your physical instrument. It's what you're pouring into your heart. It's what you're pouring into. I love the confidence aspect, because that is a huge intangible.  09:17 that is incredibly important, oh my gosh yes, helps you feel good in your booth, in your read, it's what gives you the confidence to go to conferences and put yourself out there, reach out to new agents. Yeah, like that is the product. The voice is the conduit to it, but you, the human being, are the product and so, whenever you can pour into yourself and make sure that you are operating at your best and highest vibration, you're going to get that ROI back because you're putting out a one-of-one, a very unique commodity, absolutely.  09:52 - Anne (Host) You know, not everyone can just get Spoken from the girl who loves to talk about money. I love that, right. I love that. It's just as important, right, I think, for the ROI to be intangible as it is to be tangible. Now, if we talk about the tangible aspects of it, how do you measure? How do you measure the ROI? How do you look at the hard-cold numbers for an investment in a microphone? I mean, are you looking at it on a monthly basis? Are you like, okay, I invested you know a thousand dollars in this microphone and how have I made it back? Right, Are you looking at the jobs you booked? Are you looking at, you know, an agent you just got? And again, how do you track that? Really, in cold, hard numbers? Sometimes you can't Right.  10:36 - Danielle (Guest) Sometimes you can't, but some things you know, for example, like like a microphone or an interface. You know, I look at things pretty clearly in terms of can I afford it or not? That's sort of the start. And if I cannot afford it right now, how long will it take me to be able to afford it? Should I utilize other tools? Should I use debt? Should I put it on a credit card? But I know that I've got some invoices that are going to be paid by the end of the month and so I can pay for it. Can I afford this thing? And then I look at is this thing, let's say a microphone, is it replacing something that I've already used that needs to be replaced? Do I really need it? Or if I'm a gearhead and I just like it, that's fine too. But know that you know before you just acquire new things and then, do I know how to use it? Yeah, that's sort of the intangible.  11:25 - Anne (Host) That's a good. That's a good, that's a good point Can.  11:27 - Danielle (Guest) I use it, you know, with, with. Can I use it how it needs to be used, or do I need to invest in education to learn how?  11:35 - Speaker 2 (Announcement) to use it.  11:35 - Danielle (Guest) For example, I got a new interface and I wanted to make sure I knew how to use it. Can I afford it? Yes, I bought it, great. But then I didn't really know how to use it. So then I invested in coaching with an audio engineer who explained what it was to me and how I could use it. And so then the ROI actually made sense, because when someone said, hey, can you turn up your gain or turn off that 4K button, or we don don't really. We need this, this and this. Can you tell us what your interface is Like? I could speak to it with confidence, because I had put in the time and energy to, yes, buy it, but then learn how to use it. And for me, then, that's how I look at the ROI.  12:15 - Anne (Host) Sure, well, you know, I get a lot of students because obviously I'm a coach and I get a lot of students because obviously I'm a coach and I get a lot of students who will say, well, I want to be able to work in the industry and then be able to pay for my demo or my coaching, my additional coaching. And so that's a tough one, because that's like what came first, the chicken or the egg, because in reality you kind of have to figure out, you kind of have to make an investment in the coaching aspect of things and, of course, the demo too, because I'm a big believer that demos are what helps market that voice, so that you can get the jobs, so you can then reinvest it in your business. And so what are your thoughts about the intangible investments like, well, investing yourself with coaching and with, let's say, demos.  12:57 - Danielle (Guest) I think those are probably, as you're starting out, that's probably going to be what's going to get you the highest ROI. Are those intangibles. It's the coaching, it's the demos, it's the website, it's the marketing materials, it's knowing how to market yourself, it's knowing what genres you want to work in and that you're good at and that it's fun for you that you're finding the joy, that it's fun for you that you're finding the joy. So those things. I think that's really where I would spend more of my energy and my money trying to really invest in those things. But to your point, you need one to beget the other. The work begets work, but you've got to have something to show who you are, what you do and how well you do that thing Exactly.  13:42 So sometimes that may need to be going into a little bit of debt so that you can purchase that, or it is utilizing your nine to five to fund your five to nine. It's having to sort of figure out what is it that I'm trying to get let's say it's a demo or a coaching package, for example and how much is that going to cost me? How long will it take me to save up for it? Or what do I need to do to make that happen, because then, after a certain period of time, I usually say give yourself like six months to a year to try and get that money back. Yeah, yeah, it's a long enough time, if not longer sometimes.  14:22 - Anne (Host) Yeah, and maybe even longer. I think in the beginning sometimes it could take longer because, you know, I remember telling people my first year I made a decision to go full time when I decided to move across the country and I thought for the first couple of months I would look for a job in education. Because I came from education and I was like, so I had worked so hard in my other job, I took a few months off. Well, I actually couldn't have afforded at the time the few months off, because that was that was like the crash of 2008. And so, in reality, yeah, I basically was not successful in getting in the door really for my, my full time job, just because it was a new area and you know I was specializing in technology and so there were lots of factors in that. And so I just decided to pour all of my energy into going full-time in VO and, as hard of a worker as I am, I still, the first year maybe made $1,200. It was really something that I was learning lots of things. I mean, it was a new area. I was trying to get to know new people, new local studios and trying to figure out marketing, because now I was doing it full time and so there was a lot of investment that I made in my own education and in improving my voiceover, improving my getting new demos and that sort of thing. So it did put a lot of money out for that initial investment.  15:49 And so sometimes it can take a little bit of time to see the return on investment and again, like we were talking about before, sometimes you don't recognize it because in this business you kind of have to develop an ear for a lot of things. You have to develop an ear for your studio sound. You have to develop an ear for a microphone Does it fit you? You have to develop an ear for, you know, for your auditioning really, and that's kind of a soft skill right that incorporates coaching and incorporates just doing it and practicing it. So those are so difficult in the beginning, I think, to justify a return on investment. And I think if you're just getting involved in this business you have to kind of expect those things to take more time than you would like them to Absolutely and also know what not to do.  16:37 - Danielle (Guest) So I always try to look at it as what am I doing to get to my very first dollar and anything outside of that Maybe I don't need to be focusing my money on it because I'm not going to get that return on investment as quickly.  16:50 - Anne (Host) I like that.  16:50 - Danielle (Guest) So it may be those things to get to your first dollar are the coaching.  16:55 It's your, it's your marketing materials, it's your demos, it's your learning how to utilize your, your, your DAW or your interface, like it's your demos, it's your learning how to utilize your DAW or your interface, like it's learning about those things. But maybe it's not. Maybe it's not getting like the super fancy website, maybe it's not business cards, maybe it's not. You know all kinds of other things that seem like oh, this is what I should do for the business purposes, a CRM, you know, like just everything that you do for business. It may not be what you need to be doing now, but what can get you to your first dollar the quickest? Because that's a proof of concept that it's working. And if you can get to one dollar, you can get to two. Then you can get to four, six, eight, whatever. So I would, I would look at it like that of where? Where am I putting my energy, my effort?  17:39 - Anne (Host) I know it's probably going to take a bit of time, but I'm driving towards getting to my first dollar and that's how you'll get the snowball going of the ROI and they hang it up like when they open their business, like I don't know if people do that anymore, but in reality, like that becomes like such an important concept, like what are you doing to make your first dollar? And you're right, sometimes it doesn't happen immediately and I think one thing that people just have to understand is that it does sometimes take time, right, but once you make the first dollar, as you said, then comes the second dollar, then comes the third dollar, and I notice it happens over and over in this business where it's like success begets success.  18:29 - Danielle (Guest) Yeah, it does.  18:30 - Anne (Host) And so once you start booking jobs, right outside of an occasional lull right, which happens like seasonally in this industry, and that's something else that you have to get used to Then there's always the capability and the confidence to get to dollar number two and then to get to dollar number three and typically it happens more frequently and then comes the confidence, which I don't think there's a price on that, to be quite honest, because once you have confidence in yourself, in your product and in your business, I don't think there's anything stopping you from being successful, for sure, totally. Let's talk about other things. That, because you mentioned a website and I don't want to let that go, because I think that a website investment is a whole lot more important than some people think, because, again, I'm going old school, right, when people used to actually make their first dollar and then frame it and hang it up in the place of their business. Well, the place of our business now is our studio, and so we really need to be thinking about where you know we're going to celebrate those wins, right, and we want to think about how are we opening our storefront right, where is that storefront? Because it's not physical, it's online, and so that impression that storefront is where people go to buy things.  19:47 I mean, I buy things online every day and I think we all do that. Storefront is important and I think that that is a worthy investment. Now, do you need to make that right away, before you have a demo or before you have right any samples to put up there or even a thought as to what your brand is about? You can always start creating a website on the back burner of things, because as you grow, it develops kind of like your studio, right? You evolve, you change, you grow. I think your website is one of those things. Your storefront grows with you.  20:19 - Danielle (Guest) Yeah, absolutely. I think it's important to have you know you, to place your digital shingle up so that people can find you, because in this day and age, so many people are finding you on your website or digital presence in some way, and then they're coming to speak with you via email. So they need to know how to reach you. So I do think that's important, but some things do. The great thing about a website is that it can change and evolve and sort of that's the point. Can change and evolve, and sort of that's the point. So you start with what you have, and if what you have is just this is my name, this is my picture, this is what I sound like and this is how you can reach me, those basic things are all. That's what a website should entail, anything else showing what you do.  21:04 - Anne (Host) A way to purchase.  21:05 - Danielle (Guest) A way to purchase a product, a way to purchase a product that is really like. It's the gateway to how to get to purchase the product of my voiceover services, me as a person, and how we can work together me, you, the client. But other than that, I don't think that it serves you to wait to put that digital shingle up until you're ready, because there's time that could go to making your first dollar, absolutely Even if that digital shingle is not the way that other people's digital shingles look. But I would say, put the website up and get that out there as quickly as possible. That has the basic information about how to find you, how to purchase your product that you're selling, how to pay you, how to pay you Exactly you have to be able to get pounds so that you're selling how to pay you, how to pay you Exactly Like.  21:54 - Anne (Host) You have to be able to get pounds so that people can hire you and then pay you, and that, I think, is so, so important.  22:00 - Danielle (Guest) And those things will grow and evolve as time goes on. But you don't need to wait until all of these things are in place and perfect to put it out there so that people you know this is the get to your first dollar. It's got to be scrappy.  22:15 - Anne (Host) I agree with you. Now, what about the other things? Like OK, so you've, how are you going to make your first dollar? So then the next biggest question, or I would say one of the biggest questions I always get, is like so how do I get work? How do I get work?  22:29 So there are multiple ways to get work Right and there are investments that you can make in order to get work Right. You can invest in a pay to play. You can invest in you know management. You can invest in a marketing company that can help you to market. You've decided you're going to hang that shingle out and you're going to do it.  22:53 Well, now you've got to make money right. Now you've got to see that return on investment that you've made, and so you've got to make money. So how do you make money and how do you determine what products or what avenues to invest in so that you can find opportunities? Because that's really what you're doing. You're paying to find opportunities, and whether you're paying somebody to help market you in social media or maybe you're doing that yourself, that's really cost of your time, right, which is a cost you got to calculate, and we have a great episode on what's your hourly worth, right? How much do you get paid per hour? So figure out what that is worth. But let's talk about do you see pay-to-plays as being a worthy investment?  23:35 - Danielle (Guest) It can be a worthy investment, depending on the genre that you want to be working in. If you want to be working in a certain genre, that pay-to-plays are more often than not posting jobs for, absolutely yes, and usually those pay-to-plays have tiers.  23:53 - Anne (Host) Yes.  23:53 - Danielle (Guest) And usually those pay to plays have tiers. I started on a pay to play at the lowest tier as a proof of concept to make sure that I wanted to do this, that it made sense for me and was I going to be making my money back. And I found in one or two jobs I made that lowest tier, that I paid for the year I'd made that money back. So it made more sense to consider upgrading to higher and higher tiers and I think that's the way that you can sort of stair-step it. I agree.  24:14 But, if you know that you're wanting to go into a certain genre, that maybe a pay-to-play is not going to be as beneficial for you, then I would make it so that you're getting the best return on your investment of time and money as possible. But then you spend more of your time going into the spaces where that genre is more marketed and maybe that's not a pay to play. Maybe it is an agent, maybe it's not an agent, maybe it is your own time, maybe it's looking on social media sites for different types of work opportunities. So knowing the genre that you're trying to work in will then tell you where you should put your time and your energy and your money. And if you're trying to work in, will then tell you where you should put your time and your energy and your money and if you do want to work in both broadcast and non-broadcast right.  24:57 - Anne (Host) That, to me, separates out the you know which genres there's. Broadcast and non-broadcast. Broadcast require. You know you're going to have an agent and maybe a manager. You're not going to have to invest in an agent, by the way. You don't have to invest money in an agent, but you have to invest money in a demo that will attract an agent and auditions and or jobs that you've booked on, maybe pay to plays or rosters that attract an agent to want to put you on their roster.  25:20 - Danielle (Guest) That's number one and they would probably need to see it on your website or see, like where those types of jobs that you've done or your demos.  25:26 - Anne (Host) Absolutely.  25:26 And I do want to just make one point about the pay to plays, because there's so many many people that that's always the biggest. I think is one of the biggest topics of discussion is pay-to-plays and what tiers and what's worth it. Back in the day when I joined, there was only one tier and it was like a few hundred dollars a year. And I, what I, even if you join on that first tier right and just to dip your toes in the water, remember, to me it's an education because you're starting, because if you have never worked in voiceover, you don't know what real jobs are out there. You might have worked with a coach that gave you scripts they were practice scripts, they weren't actual jobs that maybe had casting specs or a quote. You know like, oh, here we're going to pay you this amount of money and here's the audition I want you to do, or here's the actual size of the job. And so you're really I think if you're even just on a bare bones level of those pay to plays, you're paying for education to find out what jobs are current out there, who's hiring and what types of jobs are they hiring. So I always say a first level investment is always good for people kind of looking to dip their toes in the industry to find out if this is something they really like, because then they could see here are the types of jobs that are being offered out there, and here's what an actual corporate narration looks like, or here's what an e-learning module looks like, and so I think that's a very worthy investment. Then, yes, there are different tiers. Now there's always back and forth about is this tier worth it? Is the most expensive tier worth it? And, of course, I think that just depends on the timing of things and your ability to audition well and timely Agents.  26:58 Don't ever pay for an agent. If you have to pay for an agent, you need to like run. But managers, in terms of return on investment, if you do get a job through an agent, you're typically paying them a fee, a commission, and so that, yes, is a good return on your investment for the most part, unless you've got an agent who's unscrupulous and maybe not, you know, paying you, which actually does happen Something did just happen recently which is unfortunate and then a manager of which you're paying a certain percentage of every job, whether or not you got that job through them. So that is. You know that's another discussion which we actually had a podcast on that, Danielle because you do have a management company and for you it's a very worthwhile investment. Again, depending on the genres that you work in, a lot that is going to determine if it's worth the ROI.  27:49 So one last thing I want to talk about is ROI in terms of marketing. What should we consider a good return on investment for our marketing efforts? Should we hire, should we buy a CRM? Should we hire a marketing agency? Should we, you know, pay a social media manager to get us out there? I mean, there's so many different options and this could be like again like part two of an episode. You know what are those options and how do I determine the best ROI on that? And marketing is tough Marketing is tough Marketing.  28:22 - Danielle (Guest) I even consider, like my agents and managers, part of my marketing budget, because me doing all of these auditions through them and being associated with them on their websites or on their marketing materials is also marketing, and marketing is one of those that it can be that you really are playing the long game. You could be marketing to a potential client for years and years and then finally a job comes your way through them. Well, that's a worthwhile return on investment because you've been consistently reaching out to these people and, as time has gone on, they know you, they can trust you and they want to work with you. And you know the stars aligned where they had something that was a good fit for you. So it really the thing about marketing is that it is a long-term investment in the growth of you and your voiceover business.  29:19 So the ROI with marketing is a little bit more like. It's kind of like when you are consistently investing money into your savings account or into the stock market or into your retirement account. It's harder to track sometimes. It is hard to track sometimes, but you're doing it knowing that you're not necessarily trying to get an immediate return on investment. You're basically investing in the long-term health of your business, because then you're diversifying yourself from the pay-to-plays, from your agents, from your SEO expenses for your website, All of those things, your SEO expenses for your website, like all of those things. It's really just diversification, and that one is harder to track.  29:58 - Anne (Host) And also, you know, it can be a combination of any or all of the above that we've spoken about today and I mean I really appreciate it can be a combination of your investment in yourself and your performance and your auditioning techniques and investment in you know, refreshing your demos and investment in evolving or getting a new website. Investment in you know, maybe paying somebody to help you market yourself, and investment in you know a pay-to-plays and a management company. So all of these things together and as you evolve right, your investments and your expenses evolve. I mean that's really called growth? Yes, it is, and hopefully it spurs in a positive direction.  30:39 - Danielle (Guest) Yeah, you can always also ask yourself you know if it's something that you're going to be putting your financial investments in. Can I afford it, yes or no? Right, how long will it take for me to be able to afford it? And what do I need to do to purchase it? What tools do I need to use to be able to purchase it? And then, what am I trying to gain from it? What does it look like if this were to be successful? What am I trying to get out of it?  31:04 And it can't just be I just want to book a job. That's a little too nebulous. It could just be something more like I want to feel more confident when I walk in my studio. That's a direction that you can go and then you can say, okay, return on investment, I got it, because now I feel a lot more confident. Check the box, but know what is it going to cost me? That could be money or not. And what am I trying? What is the outcome? What's the cost and what's the outcome? And then, when you can figure those two out and you're very clear about it, then go for it, because you'll know when you've had that ROI.  31:37 - Anne (Host) Love it, love it. And the one thing my takeaway is that ROI is not always financial. No, not always financial, not always easily measurable, so bosses out there lots of things to consider, Danielle, as always, what an amazing conversation. Thank you so much. Yeah, this was conversation. Thank you so much. Yeah, this was fun. Thank you for bringing it up.  31:54 Absolutely. I am going to give a big shout out to our sponsor, ipdtl. You too can connect and network like bosses. Find out more at IPDTLcom. Guys have an amazing week and you know, you guys are absolutely worth our ROI. Absolutely have a good one. Bye, bye. Absolutely have a good one, bye, bye.  32:11 - Speaker 2 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

As much as we'd like to, none of us can see the future. But that hasn't stopped us from trying. Financial advisors attempt to forecast markets, meteorologists predict the weather, and sports fans try to call the final score.But when it comes to our finances—and our faith—there's an important distinction between wise planning and prideful presumption. So how do we tell the difference?The late civil rights leader Ralph Abernathy once said, “I don't know what the future may hold, but I know Who holds the future.” That's a comforting truth. God is sovereign—and that brings peace. But His sovereignty doesn't remove our responsibility to act wisely.Biblical Planning Is a Form of StewardshipScripture doesn't discourage planning—it commands it. In fact, wise planning is an essential part of faithful stewardship. God has entrusted us with time, money, relationships, and opportunities. Even though we can't predict tomorrow, we're still called to be faithful with today.Proverbs 6 paints a vivid picture of this wisdom:“Go to the ant… consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.”The ant doesn't know what's ahead, but it prepares. Likewise, Jesus tells us in Matthew 25 to live in a state of readiness. “Watch therefore, for you know neither the day nor the hour.” Though He's referring to His return, the principle holds: life is short, time is precious, and we are not in control.When Planning Becomes PresumptionPlanning becomes presumption when we assume control over outcomes that belong to God alone.To presume means “to assume something before you know the facts.” Biblically, presumption is often associated with pride—living as if we control the future and no longer need God's input. This attitude is precisely what Jesus warns against in the Parable of the Rich Fool (Luke 12).After a man harvests a bumper crop, he says to himself:“I will tear down my barns and build bigger ones…You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”But God replies: “You fool! This very night your life will be demanded from you.”The man's mistake wasn't in planning or saving—it was planning without God. He assumed he had time, control, and security apart from his Creator.James 4 echoes this same warning:“Now listen, you who say, ‘Today or tomorrow we will go to this or that city...' Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes.”The Antidote: Humble, God-Dependent PlanningJames doesn't say “don't make plans.” Instead, he offers this wise alternative:“Instead, you ought to say, ‘If it is the Lord's will, we will live and do this or that.'”This kind of planning begins with God and continues with Him. It's rooted in trust, not control. We may set goals, but we do so with open hands, inviting God to direct our steps (Proverbs 16:9).This happens in the context of a relationship. As we grow in intimacy with the Lord—through prayer, Scripture, community, and obedience—our plans begin to reflect His heart and mission.If you're married, begin planning through prayer with your spouse. If you have kids, model this dependence on God in your family conversations. Let them see you trusting God not just for salvation, but also for your finances, schedule, and future.Wise counsel is key. Don't plan in isolation. Talk to a pastor, mentor, or a Certified Kingdom Advisor (CKA) who can help you apply biblical wisdom to your financial decisions.So yes, make plans. Just don't leave God out of them. Hold your goals loosely. And remember: success isn't defined by your ability to predict or control the future—it's defined by your willingness to seek and trust the One who holds it.Want to explore this topic further? Dive deeper into Jesus' warning about prideful planning in our study on The Parable of the Rich Fool, titled Rich Toward God. It will challenge and encourage you to plan with humility and live with wisdom. Visit FaithFi.com and click “Shop” to get your copy today.On Today's Program, Rob Answers Listener Questions:I have $52,000 in student loans, but my $350 monthly payment hardly makes a dent. What can I do to pay it off faster?After my father-in-law passed, my mother-in-law was left with about $11,000 in credit card debt. Should she consolidate or try negotiating directly with the credit card companies? Also, how will this affect her Social Security benefits?Thanks for the guidance! I was able to retire at 54 with the help of a Certified Kingdom Advisor (CKA). Now, I spend my time volunteering with Eight Days of Hope.If I make a Qualified Charitable Distribution from my IRA, can I still deduct that amount on my income taxes?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.