Podcasts about Costly

In this episode of the ASIAL Security Insider Podcast, we sit down with Dr Tony Zalewski to unpack occupational health and safety in the security industry – what it really means in practice, and where organisations commonly get it wrong. Drawing on decades of experience in risk, security and major personal injury cases, Tony explains who is responsible for providing a safe workplace, how effective WHS systems are developed, and why context and consultation are critical. We also explore practical approaches to risk assessment, the difference between a safe system of work and a safe place of work, and real-world lessons from case studies that every security provider, venue operator and contractor should hear.

In this episode of 5 Fresh Tips, financial divorce advocate and certified divorce financial analyst Rhonda Noordyk shares her expert guidance on preparing for divorce with clarity and confidence. With years of experience helping women navigate financial overwhelm, Rhonda breaks down the essential steps required to build a strong foundation during the early stages of separation. Listeners will learn key divorce recovery tips, including how to select the right professional team, reduce stress around financial paperwork, and begin the process of organizing critical documents.Rhonda provides actionable, step-by-step strategies for reviewing financials, identifying missing information, and understanding where gaps in transparency, income, or documentation may create challenges later. Her method empowers women to protect themselves through informed decision-making, setting the stage for stronger negotiations and more accurate support calculations. Whether you're managing emotional resilience, co-parenting concerns, or the logistics of starting over after divorce, Rhonda's insights help clarify what truly matters.By the end of the episode, listeners will understand how to dial in their data, prepare for negotiations, and finish the divorce process strong—with fewer surprises and more control. Rhonda emphasizes the importance of building confidence, advocating for your needs, and creating systems that support both your immediate decisions and your long-term financial well-being. These expert-backed tools offer a practical roadmap for anyone seeking stability, organization, and emotional resilience during divorce.Learn more about Rhonda Noordyk: https://www.freshstartsregistry.com/resourceguide/financial-divorce-advocate

Paul Zuber: NY Electric Mandate Is Too Costly (4 min) Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Krammer and Emily Leiker open the mailbag and answer your questions about how players choose their helmets, center Ryan Kelly's return, edge rusher Dallas Turner's costly lesson about sacking quarterbacks, the false start problem, a rookie we haven't heard from in a while, and more.

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Let us help you find YOUR home in Portugal...Whether you are looking to BUY, RENT or SCOUT, reach out to Carl Munson and connect with the biggest and best network of professionals that have come together through Good Morning Portugal! over the last five years that have seen Portugal's meteoric rise in popularity.Simply contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or enter your details at www.goodmorningportugal.com And join The Portugal Club FREE here - www.theportugalclub.com

We will examine why ultra-long loans may lower payments but slow equity-building and raise lifetime interest costs, and what that means for housing affordability. Today's Stocks & Topics: Silver, Market Wrap, The Procter & Gamble Company (PG), 50-Year Mortgages: Quick Fix or Costly Mistake?, Mueller Industries, Inc. (MLI), SPDR Portfolio S&P 600 Small Cap ETF (SPSM), U.S. Insurance Companies, iShares Gold Trust (IAU), Leggett & Platt, Incorporated (LEG), SPDR S&P 500 ETF (SPY), Oil and Gas Demand.Our Sponsors:* Check out Gusto: https://gusto.com/investtalk* Check out Invest529: https://www.invest529.com* 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

COSTLY MISTAKES WHY SAVING TOO LITTLE HURTS LATER 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 Saving may appear simple, but many individuals underestimate the actual amount they'll require for retirement. In this episode, BWFA's Sandy Hornor and Tyler Kluge delve into the reasons behind insufficient savings and highlight it as one of the most expensive financial blunders. They also provide actionable steps to help you catch up. Full Description Retirement often arrives sooner than expected—and for many, the biggest regret isn't market losses, but simply not saving enough. While most people know they should save, few realize how quickly expenses grow and how inflation can double the cost of living every 20 years. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge break down the realities of under-saving. They explain why retirement “sneaks up” faster than most expect, and how even diligent savers can fall short without a clear plan. The discussion emphasizes the importance of starting early, automating savings, and increasing contributions over time. Sandy and Tyler also highlight the math behind compounding and inflation. A 7% annual return doubles a portfolio roughly every 10 years—but costs double about every 20. The earlier you start, the more power compounding has to work in your favor. For those starting late, they share realistic steps to catch up, such as boosting savings rates, maximizing employer plans, and aligning investments to long-term goals. The conversation wraps with a reminder that successful retirement planning isn't about reacting to markets—it's about integrating all aspects of wealth management. At BWFA, our comprehensive approach includes investment management, financial planning, tax strategy, and estate planning to ensure all parts of your plan work together. If you're wondering whether you're saving enough—or worried you're behind—it's never too late to take control of your future. For more insights, visit BWFA's Financial Planning Services.

John Maytham speaks to veteran journalist Ferial Haffajee on the Johannesburg “clean up "ahead of the G20 summit, taking place later this month. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: 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/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

From writing IOUs to raising investment: The brutal truth about building a business with no money - and why giving away 50% equity almost cost everything. In this raw and revealing episode of Konnected Minds, Francis shares the untold story of building Doman from nothing - including writing IOUs to co-founders he couldn't pay, getting kicked out by a landlady for "causing too much rubbish," and how a single themed donut order for Uber led to their first investment round. The conversation exposes the brutal reality of raising funds in Africa: investors aren't looking to help you, they're looking to multiply their money. Francis reveals how most businesses fail at fundraising because they have everything in their heads but nothing documented - no sales ledgers, no expense tracking, no proof that money invested will grow. He shares the painful lesson of giving away over 50% equity to his first investor, losing ownership while fighting to remain CEO. "People change when money comes," he reflects, comparing it to getting married and having your spouse forget you exist once they make money. The episode takes a masterclass turn as Francis breaks down exactly what documents you need to attract investment: inventory records, production processes, customer acquisition data, and the financial story that becomes "music to investors' ears." Critical insights revealed: • Why the fastest response time (minutes, not days) won them the Uber deal • The IOU system that kept co-founders loyal when there was no money • How to think like an investor, not a founder seeking help • Why "economy is bad" just means money changed hands, not disappeared • The documentation framework that attracts investment vs chasing it • The costly mistake of not asking enough questions before taking investment From selling phones at UTC Accra in secondary school to building multiple businesses, Francis demonstrates that raising funds isn't about having a sob story - it's about having data that shows a clear path to multiplication. He challenges the notion that there's no money in Ghana, revealing instead that there's "loose money" everywhere, looking for documented opportunities to grow. This isn't another generic fundraising tutorial - it's the unfiltered truth about what it takes to attract investment in African markets, including the mistakes that cost founders their companies and the systems that separate fundable businesses from those that remain ideas in someone's head. Host: Derrick Abaitey IG: https://www.instagram.com/derrick.abaitey YT: https://www.youtube.com/@DerrickAbaitey Join Konnected Academy: https://www.konnectedacademy.com/ Listen to the podcast on: Apple Podcast - http://tinyurl.com/4ttwbdxe Spotify - http://tinyurl.com/3he8hjfp Join this channel: /@konnectedminds FOLLOW ► https://linktr.ee/konnectedminds #Podcast #businesspodcast #AfricanPodcast

Sunday, November 9, 2025

Free Resource:Make sure eligibility isn't causing preventable denials. Download the free Eligibility Checklist → https://natrevmd.com/eligibility-billing-verification/Modifier 59 is one of the most overused—and misunderstood—modifiers in medical billing. In this episode, Dr. Heather Signorelli breaks down exactly when 59 is appropriate, when it isn't, and why using it on labs (like a UA) is a major compliance mistake.You'll learn:The real CPT and Medicare definition of modifier 59When to use 59 vs the X-modifiersWhy adding 59 rarely changes payment but can flip denialsThe most common misuse patternsClinical examples from urgent care, ortho, GI, and OB/GYNHow to document a truly “distinct procedural service”Need a billing partner who understands this?Learn more at NatRevMD.com. 

Do Sellers Attend Home InspectionsAre you wondering what really happens during a home inspection and what every seller should expect?

The 49ers got flat-out outplayed by the Rams in a 42–26 loss that exposed major defensive weaknesses and raised serious questions about this team's readiness.The Rams offense did whatever they wanted against a hurting 49ers defense, while Mac Jones and the offense didn't find a rhythm until it was too late. Costly mistakes and missed opportunities kept San Francisco from ever really getting back into it.

Joe Lindsley is a traveller and a writer, and American reporting on Chicago's WGN Radio from Ukraine each and every weekday of Russia's full-scale war. He once was protégé to Fox News founder Roger Ailes, but Lindsley escaped that frenzied world where power mattered more than truth. He came to Lviv for a Ukrainian Catholic University journalism conference on Information Overload, AI, and Responsibility. Then the Coronavirus shut down world travel, and he stayed to build a better vision for the media industry.----------LINKS:https://www.ukrainianfreedomnews.com/donation/https://en.wikipedia.org/wiki/Joe_Lindsleyhttps://www.linkedin.com/in/joseph-lindsley-60087618/https://www.youtube.com/@jplindsleyhttps://twitter.com/JPLindsleyhttps://www.instagram.com/jplindsley/https://www.facebook.com/josephlindsleyhttps://www.ukrainianfreedomnews.com/ ----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon Curtainhttps://buymeacoffee.com/siliconcurtain/extrasOur events of the first half of the year in Lviv, Kyiv and Odesa were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. Any support you can provide for the fundraising campaign would be gratefully appreciated. https://buymeacoffee.com/siliconcurtain/extrasWe need to scale up our support for Ukraine, and these events are designed to have a major impact. Your support in making it happen is greatly appreciated. All events will be recorded professionally and published for free on the Silicon Curtain channel. Where possible, we will also live-stream events.https://buymeacoffee.com/siliconcurtain/extras----------TRUSTED CHARITIES ON THE GROUND:Save Ukrainehttps://www.saveukraineua.org/Superhumans - Hospital for war traumashttps://superhumans.com/en/UNBROKEN - Treatment. Prosthesis. Rehabilitation for Ukrainians in Ukrainehttps://unbroken.org.ua/Come Back Alivehttps://savelife.in.ua/en/Chefs For Ukraine - World Central Kitchenhttps://wck.org/relief/activation-chefs-for-ukraineUNITED24 - An initiative of President Zelenskyyhttps://u24.gov.ua/Serhiy Prytula Charity Foundationhttps://prytulafoundation.orgNGO “Herojam Slava”https://heroiamslava.org/kharpp - Reconstruction project supporting communities in Kharkiv and Przemyślhttps://kharpp.com/NOR DOG Animal Rescuehttps://www.nor-dog.org/home/----------PLATFORMS:Twitter: https://twitter.com/CurtainSiliconInstagram: https://www.instagram.com/siliconcurtain/Podcast: https://open.spotify.com/show/4thRZj6NO7y93zG11JMtqmLinkedin: https://www.linkedin.com/in/finkjonathan/Patreon: https://www.patreon.com/siliconcurtain----------Welcome to the Silicon Curtain podcast. Please like and subscribe if you like the content we produce. It will really help to increase the popularity of our content in YouTube's algorithm. Our material is now being made available on popular podcasting platforms as well, such as Spotify and Apple Podcasts.

The Toronto Maple Leafs fall 5-3 to the Boston Bruins on home ice. JD Bunkis and Justin Bourne discuss Fraser Minten's revenge, the Leafs' abundance of defensive zone mistakes, Anthony Stolarz's play before getting chased, Dennis Hildeby's performance in relief, the second power-play unit showing some jump and much more.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

What does it cost to follow Jesus? One man doesn't realize the steep cost that comes with following Jesus while another doesn't know what he's missing by putting Jesus on the back burner. In today's sermon, we'll see that Jesus is worth putting first in our lives, no matter the cost.

Are you worried your spouse is hiding money or manipulating finances during your divorce? In high-conflict divorces, it's all too common for funds to be moved, concealed, or dissipated, leaving one partner in the dark and anxious about their financial future. In this episode of the Journey Beyond Divorce Podcast, I dive into the high-stakes world of divorce forensics and financial investigations, exploring what you need to know to protect yourself and your assets. I'm joined by seasoned forensic accounting expert Ilan Hirschfeld, who shares decades of experience uncovering hidden assets, analyzing complex financial records, and guiding clients through some of the most challenging divorce situations. We talk about the warning signs that finances may not be fully transparent, how to assess whether forensic accounting is a necessary investment, and the different levels of forensic investigation—from targeted reviews to full-scale audits. Ilan also explains what to look for in a forensic accountant: not just technical skill, but integrity, client care, and the ability to support you through what can feel like one of the most stressful chapters of your life. Whether you're concerned about post-complaint earnings, undisclosed income, or the subtle ways finances can be hidden, this conversation gives practical guidance to help you make informed decisions and move forward with clarity and confidence. If you've ever questioned whether following the money in your divorce is worth the cost, this episode will help you weigh the risks, understand your options, and take the steps necessary to protect your financial future. Connect with Ilan: Website: https://www.cbiz.com/about/people/ilan-hirschfeld Instagram: https://www.instagram.com/cbizcareers/ Linkedin: https://www.linkedin.com/company/cbiz/ Resources Mentioned in this Episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com Free Divorce Support Network Gift: https://divorcesupportnetwork.com/jbdpod

Costly mistakes doom the Raiders in a 10–7 defeat to Denver. Another tough outing raises questions about what's next for the Silver and Black. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of The Eric Coffie Show, Eric breaks down how small business owners can stay proactive and profitable—even during a government shutdown. He exposes the dangerous mindset of self-doubt that keeps entrepreneurs from acting and shows why focusing on funded agencies, tracking real contract data, and calling award winners are game-changing moves. Eric shares real examples from his own experience proving that contracts are still being awarded every day — and how persistence separates those who win from those who watch others win. Key Takeaways: Focus where the money flows: Target agencies that are still funded and awarding contracts despite shutdowns. Call award winners: Don't assume doors are closed — real outreach creates new opportunities. Fix your mindset: Stop telling yourself "they already have someone." Winners stay hungry, persistent, and visible. Join the Bootcamp: https://govcongiants.org/bootcamp Learn more: https://federalhelpcenter.com/ https://govcongiants.org/  Listen to the FULL Youtube Live here: https://youtube.com/live/CSj43yA6vcI  All the video links discussed. https://docs.google.com/document/d/1zEcjpP-CcDTdVggNyY1qsJUGECZNGZeW9luftdAS39U/edit?usp=sharing

COSTLY MISTAKES NOT HAVING ESTATE PLANNING DOCUMENTS 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 Estate planning isn't only for the wealthy. Without the right documents, families may face legal challenges, financial stress, and uncertainty. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why putting off estate planning is a costly mistake, and how to avoid it. Full Description Estate planning is often misunderstood. Many assume it's only necessary for people with large estates, but in reality, nearly everyone benefits from having key documents in place. A lack of planning can leave families unprepared, force courts to make critical decisions, and create unnecessary stress during already difficult times. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the risks of not having essential estate planning documents. They explain the role of wills, powers of attorney, and healthcare directives in ensuring that your wishes are carried out. They also highlight how trusts can provide structure for transferring assets, minimizing disputes, and reducing costs for loved ones. Listeners will hear stories of families caught unprepared because estate documents weren't updated—or never created. Sandy and Tyler emphasize that estate planning is not a one-time task. It must evolve with changes in family circumstances, financial situations, and state or federal laws. The episode also explores the emotional benefits of planning. Having documents in place allows families to focus on care and connection instead of conflict and confusion. It's not just about money; it's about protecting the people and priorities that matter most. At BWFA, we work with clients to review and update estate planning as part of a comprehensive financial strategy. This episode highlights why it's important to act now rather than wait until it's too late. For more information, visit BWFA's Financial Planning Services.

Caregiving is not an easy thing. It's paperwork, passwords, POAs, and the courage to say the hard things before the crisis hits. In this episode, we get real about the emotional and financial marathon of caring for aging parents, why women disproportionately shoulder the load, and exactly what to do now so your future self isn't rage-crying in probate court. Our guest, Beth Pinsker—MarketWatch financial-planning columnist, CFP®, and author of My Mother's Money: A Guide to Financial Caregiving—walks us through the must-have documents, the family conversations that actually prevent sibling warfare, and how to set boundaries when love meets logistics. (Yes, you can be loving and say “nope, that won't work.”) We cover: The caregiving reality check: why daughters so often become default CFOs of aging parents (and what to do about it). The legal minimums: power of attorney, healthcare proxy, will vs. trust, and when each one matters. Costly myths to ditch: “We'll figure it out later,” “It'll be obvious who does what,” and “We don't need it in writing.” Crisis-proofing your finances: automation, a single “pay-from” account, and creating a breadcrumb trail someone else can actually follow. End-of-life wishes: how to handle DNR/DNI and hospice decisions without guilt (clarity > chaos). If you're the money person: how to leave a map your family can use (and if you're not the money person, how to get up to speed—without becoming the household bookkeeper). Because love isn't just casseroles and hand-holding; sometimes it's signatures, spreadsheets, and setting your people up to survive the hardest days with clarity and dignity. Thank you to our sponsors! Get 20% off your first order at curehydration.com/WOMANSWORK with code WOMANSWORK — and if you get a post-purchase survey, mention you heard about Cure here to help support the show!  Connect with Beth: Website: https://bethpinsker.com/ IG: https://www.instagram.com/bethpinsker_ny  LI: https://www.linkedin.com/in/bpinsker  Related Podcast Episodes: How To Have A Good Death with Suzanne B. O'Brien, RN | 292 You Only Die Once with Jodi Wellman | 262 060 / Caring For An Aging Parent with Rayna Neises Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform!

If embedded super intelligence at the core of factory operations enabling custom software to be built in 24 hours instead of 18 months bridged the chasm that exists between management, vision, and operational reality, would you do it? Peggy talks with Dan Miklovic, founder, Lean Manufacturing Research and leader, Third Eye Advisory, and Radu Spineanu, founder, Humble Operations, about how American manufacturing is drowning in a costly disconnect. They also discuss: · How Humble Operations wants to help rewrite the rules of the enterprise software in manufacturing. · What processes companies should tackle first and how to optimize the core, critical, essential function of business. · If there are specific legacy systems to consider—and if adding new on top of old creates challenges. https://humbleops.ai

Artificial intelligence is being adopted in customer service to handle routine inquiries and reduce operational costs, with predictions that AI will resolve up to 80 percent of common issues by 2029. Companies like Salesforce are deploying AI-powered platforms, but challenges remain as many chatbots struggle with complex or sensitive cases and only a minority of AI projects meet expectations. Businesses are investing in data management and training to improve AI performance, while regulations in the United States and European Union may soon require disclosure of AI use and guarantee access to human agents. The human element remains important for complex or emotional interactions, and companies are using AI to support rather than fully replace customer service teams.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

HOW TO HAVE ETERNAL LIFE : https://www.youtube.com/watch?v=vX6NdGnm_vASUBSCRIBE https://www.youtube.com/c/biblelineLIKE https://www.facebook.com/biblelineminCOMMENT ask us a question!SHARE with all your friends and familyDo you have a Bible question? Send your question to questions@biblelineministries.org!Support Bibleline - https://www.calvaryoftampa.org/donate/Bibleline is a ministry of Calvary Community Church in Tampa, Florida and is hosted by Pastor Jesse Martinez.LIKE THIS? CHECK THESE GUYS OUT:@Northlandchurchstc@YankeeArnoldMinistries@focusevangelisticministriesinc@TheKeesBoerMinistryChannel@FishersWithFaithMinistries@QuentinRoad@NorthsideChurchAthens@C4CApologetics@OnoDiamante#bibleline #salvation #cheapgrace #costlygrace #freegrace #soteriology #grace #define #definition #favor #unmerited #prove #genuine #faith #truth #life #teach #biblelineministries #lordshipsalvation #gospel #cheap #costly #free #graceofgod #calvinism #johnmacarthur #desiringgod #dietrichbonhoeffer #disciple

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Today, the government will table their costly budget and Canadians have had enough of paying for their continuous failures. Since the Prime Minister first took office, the government is spending more and more with the deficit now doubling while $47.6 billion of net investment has fled the country. Worst of all, these economic failures have […]

Title: Avoiding the Costly Errors That Ruin a Blessed LifeEvent: Dawn Prayer SermonSpeaker: Rev. Dr. Jim Reuben ElliotDate: November 1, 2025Watch the Sermon as a video on YouTube: https://youtube.com/live/YtHhiM3zkMY FOLLOW US!https://linktr.ee/agapebangaloreFacebook: https://www.facebook.com/agapebangalore Instagram: https://www.instagram.com/agapebangaloreYouTube: https://www.youtube.com/@AgapeBangaloreYouTube TV: https://www.youtube.com/@AgapeBangaloreTVTwitter: https://twitter.com/abcabfindia Website: https://agapebangalore.orgVISIT US!Location: Agape Bible Church BangaloreGoogle Map: https://goo.gl/maps/fvEzXTwigMbRRTxz5CONTACT US!Email: abcabfindia@gmail.comWhatsApp & Telegram: +91-9900167714 & +91-9901613901#AgapeBangalore #AgapeBibleChurch #WordofGod #JimReubenElliot#Truths #Sermon #TamilSermon #DawnPrayer #ChurchService #BangaloreChurch

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

Falcons HC Raheem Morris said on Wednesday that they would not be bringing in anyone to add depth at the wide receiver position ahead of their game with the Patriots. This should mean that both Drake London and Darnell Mooney are healthy for this weekend's game. Because if they are not, get ready to tell the same old story.

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...

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.

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.

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.

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.

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

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