Podcasts about Costly

The mistakes continue to pile up as the Dolphins fall flat on Thursday Night Football against the Ravens. Costly penalties, missed field goals, and turnovers doomed Miami from the start. A frustrated Joe Rose breaks down what went wrong and where the Dolphins go from here.

IMatt sits down with Shane from Bow the Maker to talk about the tools every leatherworker thinks they need — and the ones that actually matter.From $12 Amazon pliers to top-shelf skiving knives, they break down which tools perform, which ones disappoint, and how to buy smarter without wasting money. The two also tackle social media “tool envy,” influencer reviews, and how to build a functional bench setup at any level.“You don't need the prettiest tools — you need the ones that work for you.”

COSTLY MISTAKES THE DOWNSIDES OF EARLY PAYOFF FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode For many homeowners, paying off the mortgage feels like the ultimate financial milestone. But doing it too early can sometimes create unintended consequences. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why paying off your mortgage may not always be the best move in retirement. Full Description Owning a home free and clear is a common financial goal. It provides emotional satisfaction, eliminates a major monthly bill, and can feel like the ultimate symbol of financial security. Yet for retirees, rushing to pay off a mortgage can be a costly mistake if it disrupts cash flow or limits investment opportunities. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the trade-offs of using retirement funds to eliminate mortgage debt. They explain how withdrawing large sums to pay off a loan can trigger higher taxes, reduce liquidity, and leave less money invested for growth. While debt-free living has its appeal, it may not always align with long-term financial health. Listeners will hear why context matters—interest rates, tax brackets, and income sources all play a role in whether paying off a mortgage makes sense. Sandy and Tyler share examples of retirees who balanced a modest mortgage with strong investment growth, ultimately ending up with more flexibility and wealth than if they had paid off the loan immediately. The key lesson is that mortgage decisions should be made within the larger framework of a retirement plan. By weighing both the financial and emotional aspects, retirees can choose the approach that provides confidence today while protecting future stability. For more guidance, visit BWFA's Financial Planning Services.

People Are Getting Hosed — VA Refi Receipts (Light) A concise, source-backed outline for your live show • Updated Oct 30, 2025 What's Been Happening (2023–2025) CFPB orders NewDay USA to pay $2.25M Federal consent order alleges misleading cost comparisons on cash‑out refis to servicemembers and veterans. Enforcement CFPB • Aug 29, 2024 Newsroom Consent Order (PDF) Case Docket Servicers' pressure on survivors Report details pressure tactics, inaccurate info, and delays for bereaved families with VA‑backed loans. MOAA • Jan 17, 2025 Open Source VA: Pause foreclosures on VA loans VA called on mortgage servicers to pause foreclosures through May 31, 2024 — pushback to curb harm. VA Newsroom • Nov 17, 2023 Open Source VA seeks extended moratorium Requested extending the veteran foreclosure moratorium through Dec 31, 2024. VA Newsroom • May 29, 2024 Open Source CFPB relief for veterans harmed by schemes $6M in relief tied to illegal lending schemes targeting veteran benefits — signals regulatory focus on veteran predation. CFPB • Jan 2, 2024 Open Source MSCI: High speeds in Ginnie Mae VA loans Investor-side analysis flagged extraordinary prepayment speeds — a market clue of aggressive refi activity. MSCI Blog • May 24, 2024 Open Source Ginnie Mae: recent prepayment activity Agency note: VA cohorts led a recent uptick; overall CPR still below pre‑pandemic — use for nuance. Ginnie Mae • Jun 6, 2024 Open Source CFPB Consumer Response (2024) Mortgage-related consumer complaints remain significant; use to frame trends. CFPB • Published May 1, 2025 Overview Full Report (PDF) BBB: high‑pressure & trigger‑lead complaints Consumer allegations referencing rapid-fire calls and “too-good-to-be-true” VA refi offers (use as allegations, not findings). BBB • Ongoing Example complaints Company profile VA IRRRL — official rules Legitimate streamline path; costs can be financed or traded for a higher rate — decode “no‑cost” claims. VA.gov • Updated 2025 VA.gov Benefits (alt) MarketWatch: VASP wind‑down risk As VASP winds down, tens of thousands of veterans may be closer to foreclosure — stakes and urgency. MarketWatch • May 2025 Open Source Reuters: Kickbacks & steering case CFPB accuses Rocket Homes & partner of illegal referral scheme — not VA‑specific, but shows current enforcement climate on steering. Reuters • Dec 23, 2024 Open Source Talking Points (use these on-air) Misleading “savings” claims: Show NewDay consent order. Translate how “no‑cost” often means “financed costs” or a higher rate. Refi churn math: Explain payment reset, added fees to balance, and erosion of equity; cite investor prepayment data. High‑pressure tactics: Trigger‑lead calls, mailers, and scripted urgency; emphasize opt‑out and comparison shopping. Servicing pain points: Survivors report pressure/delays; stress VA escalation paths and patience with documentation. Guardrails for vets: IRRRL mechanics, itemized fees, true break‑even, and avoiding back‑to‑back refis unless math wins. Regulatory posture: VA foreclosure pauses, VASP, and ongoing CFPB enforcement show the government is watching. Call to action: Offer to do a plain‑English, side‑by‑side quote; invite viewers to send statements for a fee audit. Links & CTAs (edit these) RateWatch 2.0 Add your RateWatch sign‑up URL Schedule Consultation Open scheduling link Apply Now Add your application URL SmartCredit (affiliate) SmartCredit signup Credit Karma (affiliate) Free credit score The Budget App (referral) Budget App link YouTube — The Rate Update Add your channel URL Website therateupdate.com Light version • All external links open in a new tab • Replace placeholder CTAs with your URLs • © 2025 The Rate Update

A new Economist/UGA poll shows President Donald Trump hitting a new low with just 39% of Americans approving of his job performance. The backlash comes as Americans reject costly White House renovations and political pardons. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textThe sump pump wouldn't quit, the skies were clear, and the water meter sat perfectly still—yet the service line whispered a steady roar. We follow that mystery from the first clue to the likely culprit: a hidden water leak just outside the foundation, feeding the perimeter drains and keeping the pump cycling. Along the way, we show how a sonic listening device turns guesswork into evidence by tracing sound intensity through soil to narrow the dig and confirm the source.We break down what matters to every homeowner and buyer: where the city's responsibility ends and yours begins, why the location of the shutoff and meter decides who pays, and how to involve your municipality to verify ownership. We also unpack the real costs of water line repairs, why polyethylene service lines can sometimes be spot-repaired, and how saturated soil near a foundation can become a winter hazard as freezing and expansion stress concrete. Even a finished basement that looks dry can be masking continuous loss if the sump is doing overtime.If you're house hunting, we explain why standard inspections don't include exterior water service testing or sewer scoping, and how those add-ons—like radon or termite checks—can prevent five-figure surprises after closing. With clear examples, we cover using findings to negotiate repairs or credits, and why proactive maintenance inspections help owners catch problems before they escalate. Forewarned is forearmed: when a pump runs on sunny days, it's not a coincidence—it's a signal.Subscribe and share this episode with someone buying in an older neighborhood, and leave a review to tell us the trickiest mystery your house has thrown at you.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TV Advice from experts: Don't skip the home inspection | NBC4 WCMH-TV OSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TV How to save money by winterizing your home | NBC4 WCMH-TV Continuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course lis...

In this Wealth Coffee Chats episode, Anthony Wolfenden, Tax Financial Advisor at Positive Tax Solutions, breaks down one of the most misunderstood areas in Australian property taxation — the Principal Place of Residence (PPR) capital gains tax (CGT) exemption and how it changes when you move overseas. Using clear real-world examples, Anthony explains how the six-year rule can protect your tax-free gains — and how easily it can disappear if you become a non-resident at the time of sale. He walks through three scenarios showing how homeowners can either keep 100% of their profits or lose hundreds of thousands in tax simply based on residency status. From the impact of the 50% CGT discount to what really triggers a taxable event, this episode is a must-listen for any Australian property owner working or living abroad.   Episode Highlights: General advice disclaimer and scope of discussion. What counts as a principal place of residence and how CGT exemptions apply. The powerful “six-year rule” that lets you keep your tax-free status after moving out. How capital gains tax is calculated once the exemption period ends. What happens when you sell while living overseas — the rules for non-residents. Why non-residents lose the 50% CGT discount and pay a flat 30%+ tax from dollar one. Smart strategies to plan your sale, including becoming a resident before signing the contract. Key reminder: capital gains tax is triggered at contract signing, not settlement. Teaser for the next episode — CGT implications on the final home you own before passing.

Panel beaters say more people are opting to drive with damage from fender benders, because insurance claims are so expensive.

Episode #356 - 5 Costly Holiday Email Mistakes That Hurt Your BFCM Sales You know what's more painful than hearing “Grandma Got Run Over by a Reindeer” for the 100th time in November? Hitting send on a holiday email that costs you sales. Every year, I see brands make the same email mistakes that drain real revenue during BFCM. The good news? They're totally avoidable once you know what to watch for. In this episode, I'm breaking down the five biggest holiday email mistakes I see brands make year after year — and how to fix them before it's too late. Whether you're a seasoned marketer or DIY-ing your BFCM strategy for the first time, this episode will help you avoid inbox fatigue, improve deliverability, and make sure your campaigns convert when it matters most. This episode is part of my ongoing BFCM Prep Series — where we're making sure your holiday marketing is strategic, intentional, and built to perform.

BT & Sal kick off the segment with a fiery update on the $300,000 in NFL fines levied against the Giants organization and Brian Daboll (a whopping $100K personally!) for violating the concussion protocol, with fullback Cam Skattebo also tagged for $15K. The main event is the BT N Sal's Perfect Parlay Picks for NFL Week 8, where the hosts and Hoff—the current leader—make their against-the-spread selections. Hoff defends his 150-point lead with a four-team parlay, while Sal chips away with a two-team bet featuring the Broncos -3.5 and the Titans +14.5. BT—desperate to snap his "ice-cold" streak—rolls with a big-favorites parlay, laying huge numbers with the Pats -7.5 and Colts -14.5. The segment culminates with the Live Call of the Day from a listener demanding that Hoff quickly repeat his winning picks for them to write down! The hosts wrap up by making their straight-up predictions for the Jets and Giants games.

Ryan Rishaug, Jason Strudwick, and Rob Brown break down the Oilers 3-2 loss in Seattle.See omnystudio.com/listener for privacy information.

Jane Dutton speaks to Kevin Pillay, General Manager in Distribution about Eskom’s decision to ease registration requirements for rooftop solar systems. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode, I sit down with Frank Kendall and talk about one of the biggest traps in defense procurement — the endless search for “acquisition magic.” Frank exposes why every few years, someone promises a revolutionary new system to fix everything — and why those reforms almost always fail. From $30 billion MRAP programs that saved lives but were later abandoned, to R&D overruns averaging 25%, he lays out a brutally honest framework for how the government should manage risk, cost, and speed the right way. Key Takeaways: There's no such thing as acquisition magic — sustainable improvement comes from training, data, and risk management. The MRAP program cost $30B but proved that taking calculated risk can save lives when done strategically. Defense R&D programs average 25% overruns — but smart leadership can bring that down to 10% without killing innovation. Learn more: https://federalhelpcenter.com/ https://govcongiants.org/ 

Send us a textThanks to Robert Cunningham for some of these thoughts. -Artwork by Vittore Carpaccio "Lion of St. Mark"

The United States continues to allocate substantial military and diplomatic resources to counter Chinese influence in the Middle East. However, Beijing has shown little interest in assuming a dominant security role in the region, raising doubts about the effectiveness of framing US engagement through the lens of great-power competition. As policymakers debate the United States' global commitments, a critical assessment of the rationale, risks, and opportunity costs of current US policy in the Middle East is necessary.This forum will bring together leading experts to examine China's core regional interests, the risks of overstating China's ability and desire to dominate the Middle East, and opportunities to better align US force posture with actual interests in the region.Join us at the Cato Institute for a timely conversation on the future of US strategy in the Middle East. Hosted on Acast. See acast.com/privacy for more information.

Stephen Grootes speaks to Clicks CEO Bertina Engelbrecht, about the retailer’s strong full-year results. South Africa’s largest pharmacy chain reported a 14.1% rise in profit, driven by improved trading margins and solid sales. In other interviews, Deon Gouws, Chief Investment Officer at Credo and Dr Musa Malwandla, Co-CIO of Differential Capital, talks about whether holding cash is really the safe bet investors think it is. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

COSTLY MISTAKES WHEN LIFE INSURANCE FALLS SHORT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Life insurance is meant to provide peace of mind and protection for loved ones, but many people discover too late that their coverage is inadequate. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain how to avoid this costly mistake and ensure your family's future is secure. Full Description Life insurance often gets purchased early in a career and then left unchanged for years. While the policy may have been sufficient at the time, family needs, debts, and income can change dramatically. Too often, people only realize their coverage is lacking when a major event occurs, leaving loved ones financially vulnerable. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the risks of inadequate life insurance. They discuss why many policies fall short and how factors like inflation, rising expenses, and lifestyle changes can quickly make an old policy outdated. The hosts also examine the difference between term and permanent coverage, stressing the importance of matching insurance to your goals. Listeners will learn how to evaluate whether their current coverage truly protects dependents, pays off debts, and replaces income if the unexpected happens. Sandy and Tyler share examples of clients who reassessed their needs and adjusted policies to better align with family and financial goals. The takeaway is simple: life insurance is not a one-time decision. It should evolve with your circumstances. By reviewing coverage regularly and working with a professional, you can help ensure that your plan provides the right level of protection—now and in the future. For more guidance, visit BWFA's Financial Planning Services.

If you've never been through a divorce, like anything else that's new to a person, it's easy to make mistakes. Well, we don't want you to make mistakes, so my guest, Divorce Coach, Mardi Winder shares some costly mistakes people make, and then we talk about how to avoid making them. 

Today I sit down with insurance expert Wes to demystify the policies every government contractor needs but few truly understand. We cover why a General Liability (GL) policy typically includes attorney fees (if you notify the carrier before hiring your own lawyer), why a certificate ≠ the policy, how exclusions (like aviation work) can leave you exposed, and how audits can trigger surprise bills if you don't price insurance into bids. Real numbers, real stakes: a threatened $700,000 suit that settled for $5,000 (I paid a $2,000 deductible), a $240,000 aircraft damage claim denied under standard GL, audits demanding $15,000 after higher-than-estimated revenue, and cyber “social engineering” fraud that many policies only cover (often up to $250,000) if you phone-verify wire changes. We also hit W-2 vs. 1099 pitfalls, multi-state workers' comp, and why many policies run 400+ pages—so get a second opinion before you sign or bid. Key Takeaways: Notify your carrier first. GL often supplies the attorney and covers fees; hiring your own lawyer first can void coverage. Match policy to scope. Aviation work needs aviation liability; add states for workers' comp; price insurance into bids to avoid audit shocks. Harden the basics. Have your agent review contracts + operations + full policies (not the certificate); add cyber/EPLI and follow phone-verification for wires. Learn more: https://govcongiants.org/ Linkedin: https://www.linkedin.com/in/wes-edison/

Joining us on this episode of Living Off Rentals is someone who's helped countless people escape the trap of long-term loans that can end up costing nearly twice the original amount. Adam Carroll is a financial educator, speaker, and founder of The Shred Method. Through this approach, he's helped families and real estate investors accelerate their mortgage payoff timelines through smart money management and the strategic use of lines of credit. Listen as he breaks down a simple but powerful strategy that turns traditional banking upside down and helps homeowners and investors eliminate debt, build equity faster, and save thousands in interest. Enjoy the show! Key Takeaways: [00:00] Introducing Adam Carroll and his background [02:36] What makes Adam interested in The Shred Method? [04:40] The Shred Method defined [06:28] How The Shred Method optimizes your cash flow and what it actually does [09:05] Understanding amortization and how most payments go to interest [10:51] How lump-sum payments speed up principal payoff [11:59] Turning rental income into a faster wealth-building tool [13:57] Why simple interest (HELOC) beats compound interest over time [15:10] Using short-term borrowing to save long-term interest [16:50] The benefits of the Shred Method [18:50] Why traditional banking habits keep most people stuck [22:45] Paying off vs. leveraging. How to decide what's right for you [23:45] Why paying properties to zero isn't always the best move [27:09] Can you get a KLOC on a rental property? [32:51] Success stories from Shred Method [38:47] How small wins create a financial snowball effect [41:00] Most people don't have an income problem; they have a payment problem [44:04] Outro Guest Links: Website: https://theshredmethod.com/  Show Links: Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals  Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast  Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals  Living Off Rentals Website – https://www.livingoffrentals.com/  Living Off Rentals Instagram – instagram.com/livingoffrentals  Living Off Rentals TikTok – tiktok.com/@livingoffrentals

Cash value life insurance often sparks debate — is it a smart financial tool or an expensive way to mix insurance with investing? Lance Roberts & Jonathan Penn break down how cash value life insurance actually works and where it may (or may not) fit into your overall financial picture. 0:18 - Preview - Life Insurance & BYOB, Earnings Season Continues 6:00 - Markets Confirm Bullish Trend 10:55 - Private Credit Fund Warning - Subprime Credit Danger 18:22 - Whole Life Insurance Explained 19:51 - Whole Life vs Term, ULI, VUL 22:54 - Why Dave Ramsey is Wrong About Insurance 23:44 - The Math - Term vs Whole Life 25:51 - Why You Need Insurance 29:16 - Overfunding Strategies & Be Your Own Bank 32:49 - Whole Life vs Term (again) 37:59 - Beware Blanket Statements - Do the Research 39:28 - MEC - Modified Endowment Contracts 41:13 - When the Life Insurance Runs Out 43:02 - Converting Term to Whole Life 46:01 - Comming Attractions Whether you're building wealth, protecting your family, or planning for retirement, understanding this strategy can help you make smarter financial decisions.

Cash value life insurance often sparks debate — is it a smart financial tool or an expensive way to mix insurance with investing? Lance Roberts & Jonathan Penn break down how cash value life insurance actually works and where it may (or may not) fit into your overall financial picture. 0:18 - Preview - Life Insurance & BYOB, Earnings Season Continues 6:00 - Markets Confirm Bullish Trend 10:55 - Private Credit Fund Warning - Subprime Credit Danger 18:22 - Whole Life Insurance Explained 19:51 - Whole Life vs Term, ULI, VUL 22:54 - Why Dave Ramsey is Wrong About Insurance 23:44 - The Math - Term vs Whole Life 25:51 - Why You Need Insurance 29:16 - Overfunding Strategies & Be Your Own Bank 32:49 - Whole Life vs Term (again) 37:59 - Beware Blanket Statements - Do the Research 39:28 - MEC - Modified Endowment Contracts 41:13 - When the Life Insurance Runs Out 43:02 - Converting Term to Whole Life 46:01 - Comming Attractions Whether you're building wealth, protecting your family, or planning for retirement, understanding this strategy can help you make smarter financial decisions.

Bongani Bingwa speaks to Erika Gibson, senior investigative reporter at City Press, about a shocking report revealing that a South African National Defence Force (SANDF) crane truck was used to travel more than 1,200 kilometres from Oudtshoorn to Pretoria, all to remove just two tree stumps from the yard of Major-General Edward Mulaudzi. The discussion delves into what this incident says about wasteful expenditure and misuse of state resources within the SANDF. 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Listen live on Primedia+ weekdays from 06:00 and 09:00 (SA Time) to Breakfast with Bongani Bingwa broadcast on 702: https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/36edSLV or find all the catch-up podcasts here https://buff.ly/zEcM35T Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702See omnystudio.com/listener for privacy information.

Jerry kicks off his first update with the *clang* of that missed extra point! We hear from a fired-up Brian Daboll, rattled kicker Jude McAtamney, and Aaron Glenn on the offense that just couldn't get it going.

In this episode of PennyWise, host John Kiernan discusses money-saving holiday shopping tips with Chip Lupo, a personal finance writer with WalletHub who is an expert on credit cards and budgeting. They discuss the holiday shopping forecast and the things people can do to maximize their merriment without putting their financial plan in jeopardy. You can even get a few pointers for whipping up holiday cookies on the cheap from a state fair winner! Plus, John answers a listener question and more. More on this episode from WalletHub: Best Credit Cards for Holiday Shopping & Low-Cost Gift Ideas To start budgeting for the holidays, check out WalletHub's budgeting tools.

Jennifer Wilder found herself sleeping on the floor of her friend's apartment in Portsmouth.On the eve of opening her second LANEY & LU location and Ginger Fox Bakery (formerly Sweet Dreams), Jen's life was unraveling behind-the-scenes.Today, in Part Two of a two-part podcast, the iconic LANEY & LU founder (formerly Jennifer Desrosiers) takes us behind the CHAOS that swirled around the (delayed) opening of her Portsmouth location, a catastrophe she says cost her "hundreds of thousands of dollars."Jennifer and ⁠host Troy Farkas⁠ also discuss the real reason Jen decided to close LANEY & LU (Exeter) earlier this year, the unexpected delays she faced in opening LANEY & LU (Portsmouth) and Ginger Fox, the struggles of the dating scene for an accomplished woman like herself, and why she recently changed her name! CHAPTERS:Messy openings of LANEY & LU Portsmouth + Ginger Fox (00:00)Closing LANEY & LU Exeter (09:10)Becoming Jennifer Wilder (26:25)The struggles of online dating (34:34)The Wilder Way (41:55)How do you want to be remembered? (52:35)Jen is hiring an Executive Coordinator for her growing portfolio of brands! If you're interested, apply here. And if you're a business owner in need of some 1:1 coaching, you can work with Jen by ⁠inquiring here.⁠EVENTS:Seacoast Stories Dinner Club is headed to Hampton, N.H., on Wednesday, November 12. Meet your new best friends by taking this personality quiz and securing your spot today.SPONSORS:⁠⁠⁠⁠Jennifer Bakos Photography⁠⁠⁠⁠: Small biz owners can get 10% off your first photography session by DM'ing Jenn ⁠⁠⁠⁠@jennbakosphoto ⁠⁠⁠⁠on Instagram! Just tell her you're a fan of the podcast

Pastoral Assistant Bo Jackson preaches a sermon from Matthew 10 verses 34 through 39 on the costly call call of the gospel.

What's the cost?   The Unstoppable Acts of the Risen Lord Jesus:    Fulfilment and transformation in Jerusalem (ch 1-7)   Walls torn down in Samaria and Galatia (ch 8-15)   (The beginning of) the ends of the earth (ch 16-20)   Paul sets his face to Jerusalem, despite…   personal heartbreak (v. 1, 13)   the urging of fellow believers (v. 4)   The warning of Agabus (v. 10-11)   being misunderstood by his fellow Jews (v. 17-26)   Why?   The collection for the Jerusalem church (24:17)   Compelled by the Spirit, to complete his task (20:22-24)   The cost of testifying to the good news of God's grace

Pastor Justyn continues our series, Entrusted, walking through the book of 2 Timothy. This week we looked at 2 Timothy 2:1-13 saw that devotion to the mission of Christ is costly — but it's worth it.

Max Emory shares how real estate investors can simplify bookkeeping, avoid IRS headaches, and create “decision-ready” financials to grow their profits.In this episode of RealDealChat, Jack Hoss sits down with Max Emory, founder of Time Capital Bookkeeping, to discuss how real estate investors can master their numbers, avoid tax-time chaos, and make smarter decisions using clean, actionable financials.Max started as a real estate investor and Marine Corps officer, scaled to 25 units, and then built a bookkeeping firm focused exclusively on investors. His team helps clients eliminate messy books, create clear KPIs, and turn data into better deal decisions.Here's what you'll learn in this conversation:Why most investors fail to track accurate deal performanceHow “decision-ready” financials help you grow faster and smarterThe biggest bookkeeping mistakes investors make (and how to fix them)When creative financing & short-term rentals complicate accountingKPIs every flipper, landlord, and wholesaler should monitorHow to make sense of your data to double profitabilityWhy AI and automation are revolutionizing real estate bookkeepingThe right way to use VAs—and when to hire a trained REI bookkeeperSimple systems to prepare for tax season without stress50% off bookkeeping cleanup before year-end (details below)

COSTLY MISTAKES TOO MUCH CASH IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS   with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.

JP Finlay and Mitch Tischler join you from Northwest Stadium with instant reaction from the Washington Commanders' 25-24 loss to the Chicago Bears on Monday Night Football. The guys discuss the Commanders' costly turnovers, Jayden Daniels' performance and how the defense can fix its ongoing issues. The episode ends with game balls and goats and a recap of 100 chips.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Emotional, impulsive reactions can sabotage long-term returns, we will explain the disciplined strategies you will need to adapt and navigate today's volatile markets. Today's Stocks & Topics: Cal-Maine Foods, Inc. (CALM), Market Wrap, Idaho Strategic Resources, Inc. (IDR), 3 Costly Mistakes Novice Investors Need to Avoid Right Now, Prysmian S.p.A. (PRYMF), Lumen Technologies, Inc., Tariffs, KBR, Inc. (KBR), Pre-Tax Allocation vs. Roth I-R-A, The Procter & Gamble Company (PG), Young People Are Not Buying Homes.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

In this episode of the 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, discusses six common mistakes people make with their 401(k) retirement plans. He covers misunderstandings about plan rules, improper rollover techniques, unnecessary fees, risk tolerance, financial advisor affiliations, and advisor compensation. Kevin offers practical tips to help listeners avoid costly errors and maximize their retirement savings.Mistake 1: Not Knowing 401(k) Rules (00:00:53)Mistake 2: Improper Rollover Techniques (00:04:18)Mistake 3: Paying More for Less Value (00:06:26)Mistake 4: Misunderstanding Risk Tolerance (00:07:27)Mistake 5: Influence of Financial Advisor Affiliations (00:10:33)Mistake 6: Understanding Advisor Compensation and Rollover Comparisons (00:13:33)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

Implementing with fidelity matters—whether it's adopting a new math resource, embedding a routine like number talks, or structuring PLCs. But fidelity is not the same as rigidity. When we cling too tightly to practices, they can outlive their usefulness and prevent innovation.In this episode, we draw from research, including Janice Fraser's concept of making durable decisions, to unpack the balance between fidelity and rigidity in math improvement. We explore how leaders and teachers can commit deeply enough to see results without locking into approaches that may no longer serve students.We also examine what it means to hold strong beliefs, loosely held—anchoring commitments in evidence-based math practices while staying open to refinement as new learning emerges.Listeners will learn how to:Distinguish between fidelity to outcomes and rigidity in practice.Apply research on durable decisions to math routines and systems.Use fidelity as a lever for student achievement while leaving space for adaptation.Recognize when it's time to refine, pivot, or let go of a practice.Model “strong beliefs, loosely held” in leading math improvement.Tune in to discover how to implement with fidelity without getting locked into rigidity—so your math improvement efforts remain both focused and adaptable.Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem based lessons and units? Make Math Moments Problem Based Lessons & Units Show Notes PageLove the show? Text us your big takeaway! Get a Customized Math Improvement Plan For Your District.Are you district leader for mathematics? Take the 12 minute assessment and you'll get a free, customized improvement plan to shape and grow the 6 parts of any strong mathematics program.Take the assessmentAre you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.

We are back this week with Part 2 of our Unwrapping Holiday Profits masterclass!

Brad Sturdy, Matt Stevens and Mike Cagley cover the Illinois-Ohio State game Share this podcast on your social media & please give us a 5-star rating if you enjoyed the podcast! We ask YOU to help the IlliniGuys Sports Spectacular grow on social media by following us on all our social media and engaging with the content posted. Every like, love, comment & share help the IlliniGuys Sports Spectacular reach more people and establish our position as the leader in entertaining, fast-paced, non-political sports programming. Don't miss our college sports focused podcasts: IlliniGuys Sports Spectacular I on the Illini Mike Cagley's Heat Checks & Hail Marys Thanks for listening! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today, we have AL.com's Kelly Kazek back on the show to talk about a few college traditions, such as the Bodda Getta and Rammer Jammer cheers. First, we have a new porn tax, a higher liquor fee and more Winn-Dixies changing into something else. Read more on Auburn's Bodda Getta. Read more on Alabama's Rammer Jammer. Read more from Kelly Kazek. Learn more about your ad choices. Visit megaphone.fm/adchoices

If Stevenson has a costly fumble moving forward, Curtis puts it on Vrabel

TSN Baseball Insider Steve Phillips joined OverDrive to discuss the headlines around the Yankees' win in Game 3 against the Blue Jays, the view on a bullpen start for the team, the team's errors in the game, the Blue Jays' approach to Game 4 and more.

It wasn't always pretty, but the Jacksonville Jaguars won a 31-28 thriller over the visiting Kansas City Chiefs to improve to 4-1 on the season.In spite of some sloppiness, Trevor Lawrence got it done late in the 4th quarter, running for a one-yard touchdown, after falling down, to give the Jags the lead.The loss drops the Chiefs to 2-3 on the season, but with a lot of football left, did we learn enough about their offense to feel good about their chances moving forward?ESPN's Ben Baby takes a break from covering the Cincinnati Bengals, to join The Bill Barnwell Show and help breakdown all of the action from this week 5 Monday Night Football matchup, as seen on ESPN and ABC. 1:40 - Jaguars Defeat Chiefs 31-28 in a Tight Monday Night Football Battle 3:00 - Chiefs Fall to 2-3 on the Season 4:50 - Chiefs Mistakes Prove too Costly to Overcome 18:00 - Jaguars Defense Continues to Provide Opportunities for Victory 20:20 - What Did We Learn About the Chiefs Offense on Monday Night? 23:00 - Jaguars Improve to 4-1 on the Year 30:00 - Can the Jaguars Trust Trevor Lawrence to Overcome the Sloppiness on Offense? 42:30 - Has the Jaguars Plan for Travis Hunter Felt Right? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Brief DescriptionWhy do some people always seem “lucky” while others miss out? In this episode, AJ and Johnny sit down with Wharton economics professor Judd Kessler, author of Lucky by Design, to reveal the hidden rules that govern life's most important markets—from dating to job hunting to Taylor Swift tickets. These “choose me” markets don't run on money alone; they run on signals, timing, and strategy. You'll learn why signaling interest often beats being perfect, how “settling for silver” can land you gold, and why gaming the system sometimes backfires. Judd breaks down strategies for college admissions, career opportunities, dating apps, and even Costco parking lots. Whether you're chasing a dream job, trying to stand out in dating, or just fighting bots for concert tickets, this conversation shows you how to design your own luck. What to Listen For [00:01:04] What it means to be “lucky by design” and why hidden markets matter [00:02:11] Taylor Swift tickets, hot restaurants, and how hidden rules decide who wins [00:05:15] “Choose me” markets—jobs, schools, and dating—where the other side decides [00:07:29] The two signals that matter most: competence and real interest [00:10:22] Johnny's story of breaking into bands through excitement and persistence [00:13:24] Why idiosyncratic (weird) signals often work better than safe ones [00:19:39] Costly signals—when to use them, and when they're wasted [00:21:41] The strategy of “settling for silver” to actually win [00:27:05] When gaming the system works—and when it backfires [00:29:53] Designing your inbox and attention like a market [00:35:20] How a strong plan B lets you go for gold [00:37:38] Costco parking lots as the perfect example of hidden strategy [00:47:17] Hidden markets at home: sharing chores and mental load with equity [00:55:05] Why ticket resale markets frustrate Judd—and how he wants to fix them A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠unlockyourxfactor.com⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠artofcharm.com/intel ⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? Claim your $75 Sponsored Job Credit now at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. This year, skip breaking a sweat AND breaking the bank. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠mintmobile.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Save more than fifty percent on term life insurance at ⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠ TODAY to get started  Curious about your influence level?  Get your Influence Index Score today! Take this 60-second quiz to find out how your influence stacks up against top performers at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠theartofcharm.com/influence⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Episode resources: Judd B. Kessler Lucky By Design Check in with AJ and Johnny! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AJ on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Johnny on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AJ on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Johnny on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Charm on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Charm on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Charm on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Friendship with Christ comes at the cost of our former friendship with the world. Today, R.C. Sproul tells us that we should not be surprised or remain discouraged if even our closest loved ones abandon us because of our love for the Lord. Read the transcript: https://ligonier.org/podcasts/ultimately-with-rc-sproul/a-costly-friendship/ Study Reformed theology with a free resource bundle from Ligonier Ministries: https://grow.ligonier.org/ A donor-supported outreach of Ligonier Ministries. Donate: https://donate.ligonier.org/ Explore all of our podcasts: https://www.ligonier.org/podcasts

Anthony Lima and Daryl Ruiter go further into Cleveland Guardians talks, including the offense continuing its season-long struggles into the postseason.

(0:00) Felger, Mazz, and Murray open the show discussing the Red Sox game 2 loss to the Yankees last night and the mistakes that led to the loss. (13:15) Thoughts on Brayan Bello's game 2 start. Plus, the callers weigh in on the Red Sox loss. (26:16) Reacting to Jarren Duran's error that led to a Yankees run last night. Plus, more caller reaction. (34:50) The latest Mazz's Tiers! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.