Podcasts about Costly

This week on Facts vs Feelings, Liz Loza crashes out with you over some gut-punch moments from the past weekend… but don't worry, Liz also spotlights the players who are cooking up something truly delicious for fantasy managers. Then she shifts into Fantasy Therapy before welcoming Scott Fish, creator of the Scott Fish Bowl and architect of the most diabolical scoring settings in the game.

COSTLY MISTAKES RELOCATING TOO QUICKLY 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 Relocating in retirement can be exciting, but moving without proper research can turn into a costly mistake. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the risks of relocating too quickly—and how to make sure your next move supports both your lifestyle and your financial goals. Full Description A new home in retirement often represents more than just a change of address. For many, relocation symbolizes freedom, fresh opportunities, or a chance to be closer to family. Yet without careful planning, the dream move can bring unexpected expenses and regrets. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the common pitfalls of relocating without enough research. They explain how factors like cost of living, property taxes, healthcare access, and state tax laws can have a lasting impact on financial security. Even small differences—such as insurance costs or utility bills—can add up over the years and strain a retirement budget. Listeners will also learn why lifestyle factors matter as much as financial ones. A move to a warmer climate may seem ideal, but access to quality healthcare, transportation, and social networks is equally important. Sandy and Tyler share real-world examples of clients who reconsidered relocation plans after evaluating these details. The key takeaway is that relocation should never be a snap decision. By running the numbers, visiting multiple times, and discussing long-term goals with a financial planner, retirees can ensure their move enhances rather than hinders their retirement. At BWFA, we help clients weigh the financial and lifestyle implications of relocation. This episode offers practical strategies to avoid surprises and make relocation a positive step forward. For more guidance, visit BWFA's Financial Planning Services.

Oklahoma ranks high nationally for its pricey home insurance premiums. As climate change brings more extreme weather and inflation affects purchasing power, some look to policy changes to settle escalating insurance costs. Mentioned in this episode:Social Media tags

If you’re a federal employee or member of the armed forces, your thrift savings plan (TSP) can be a powerful retirement tool, yet small missteps can lead to missed matching dollars, unnecessary risk, or reduced future income. In this episode of Protect Your Assets, David Hollander breaks down the most common TSP mistakes he sees today, including under-contributing, relying too heavily on the G fund or lifecycle funds, and overlooking how inflation affects conservative allocations. David also explains the key differences between your TSP withdrawal options, when a rollover may offer more flexibility, and why an incorrect TSP-3 beneficiary form is one of the most damaging errors federal employees make. With timely year-end reminders and practical guidance, this episode helps you make more informed decisions about your TSP and protect what you’ve worked hard to build. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Pastor Jeff Vines asks, are we the rich young ruler Jesus encountered, struggling to reconcile our blessings with the call to follow Him? Discover why true discipleship might cost more than you think, and why that's a good thing.Did you decide to follow Jesus after listening to this? Let us help you get started on your journey at https://oneandall.church/jesus Join our global online community https://discord.gg/vvrwf6N Sign up to receive weekly content from ONE&ALL straight to your inbox | http://bit.ly/oneandallemailAsk us a question! Email media@oneandall.church

Webinar: See what your contacts are doing on Zillow - Mon, Dec 8 - https://followupboss.zoom.us/webinar/register/WN_-jOL8Gu3TZ2IWR_atbijlA#/registrationWhat if your biggest mistakes became the blueprint for your next business?That's exactly what Marissa Canario is doing with Apex Realty Group, which she's building from Milwaukee, Wisconsin. After building a 7th-level insurance agency and after opening 168 markets (yes 168!) as a real estate leader on a national expansion team, Marissa's now taking lessons learned to build again - with deeper obsession and a clearer value prop.She shares the key to improving both agent experience and client experience. She details her segmented approach to onboarding (and re-onboarding) agents. She explains the pitfalls to avoid in market expansion and when to know if you're ready. And she shares a vision of teams getting larger and larger in the years ahead through mergers and acquisitions.Watch or listen for Marissa's insights into:Why obsession with agent experience and client experience drives successWhat was required and what was learned by opening 168 markets in a real estate team expansionHow to improve communication and get more done by meeting people where they areHow to turn past mistakes into a tighter, more focused model with a clearer value propositionHow Marissa's segmenting and improving “one of the most important factors of your entire foundation and one of the most difficult to get correct” … agent onboardingWhy to celebrate more (and more specific) agent milestonesAI and ISAs as new leverage points for real estate teamsWays to make technology amplify rather than replace real estate agents (and what that means they should focus on)How self-awareness, network strength, and sufficient capital set you up for market expansion successWhy mergers and acquisitions will drive larger teams and what your participation in that growth might look likeAt the end, learn about the value of integrity, the ends of toilet paper rolls, the bottoms of shampoo and ketchup bottles, and fewer business books.Episodes mentioned:→ AI Voice and Texting with Kyle Draper and Tiffany Gelzinis→ Redefining the Role of the Real Estate Team Leader with Keith Anderson→The Roll-Up Strategy for Business Growth with Sam KhorramianConnect with Marissa Canario:→ https://www.instagram.com/marissacanario/Connect with Real Estate Team OS:→ https://www.realestateteamos.com→ https://linktr.ee/realestateteamos→ https://www.instagram.com/realestateteamos/

Amy MacIver speaks to freelance writer Elaine King, who has been reporting on the realities of Rage, the impact on local businesses, and the mounting burden it places on families 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.

If you’re a federal employee or member of the armed forces, your thrift savings plan (TSP) can be a powerful retirement tool, yet small missteps can lead to missed matching dollars, unnecessary risk, or reduced future income. In this episode of Protect Your Assets, David Hollander breaks down the most common TSP mistakes he sees today, including under-contributing, relying too heavily on the G fund or lifecycle funds, and overlooking how inflation affects conservative allocations. David also explains the key differences between your TSP withdrawal options, when a rollover may offer more flexibility, and why an incorrect TSP-3 beneficiary form is one of the most damaging errors federal employees make. With timely year-end reminders and practical guidance, this episode helps you make more informed decisions about your TSP and protect what you’ve worked hard to build. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Talking to your parents about money may be the most awkward conversation you ever have—right up there with “the talk” from your teenage years—but avoiding it can cost your family serious time, stress, and money. In this episode of Five Minute Finance, Mike Morton and host Matt Robison break the topic into five practical areas: organizing your parents' finances, navigating taxes and gifting, planning for cognitive decline and scam protection, deciding what to do with the family home, and rethinking how much investment risk your parents should be taking. Find out more about Mike at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

Ever had that heart-stopping moment when an unexpected bank notification pops up on your phone? In this candid and relatable episode, our host shares the painful experience of forgetting to cancel a free trial subscription that resulted in an eye-watering 1,899 rand charge. What started as a simple document signing app became an expensive lesson in adulting gone wrong. The conversation opens the floodgates to listeners sharing their own costly mistakes - from subscription nightmares to gym contracts that seem impossible to escape. With equal parts humor and genuine financial pain, this episode explores those "character building" moments that leave your wallet significantly lighter and your wisdom reluctantly greater. ## Timestamps & Key Takeaways: **00:45** - Host reveals the shocking 1,899 rand charge from a forgotten subscription*Takeaway: Always set reminders to cancel free trials before they convert to paid subscriptions* **03:12** - Tandle shares her similar experience with a 699 rand charge for an editing app*Takeaway: These expensive mistakes are surprisingly common among adults* **07:30** - Listener calls in about unknowingly entering a year-long gym contract*Takeaway: Always read the fine print before signing up for any service* **09:15** - Creative solutions from listeners, including using virtual credit cards for free trials*Takeaway: Consider using temporary payment methods for trial subscriptions* **11:20** - The ultimate scam story: a caller who lost 1,300 rand to someone impersonating a manager*Takeaway: Always verify requests for money or vouchers, even if they seem legitimate* Tune in to hear more financial horror stories that will make you feel better about your own mistakes and pick up some savvy tips to avoid these costly pitfalls in the future. We're all in this expensive adult learning curve together! Spend weekday afternoons with Zweli. He keeps you in the loop with everything from music and movies to sport and pop culture. Hear what the Word on the Street is, test your skills with the high-pressure 6 Out of 6, and get ready to be entertained. Thank you for listening to an Afternoons with Zweli podcast Listen live on Primedia+ weekdays from 12:00 to 15:00 (SA Time) toAfternoons with Zweli broadcast on 947 https://www.primediaplus.com/station/947 For more from the show go to https://buff.ly/FeeL6wYor find all the catch-up podcasts here https://buff.ly/pRBikjo Subscribe to the 947 Weekly Newsletter herehttps://buff.ly/hf9IuR9 Follow us on social media 947 on Facebook: https://www.facebook.com/947Joburg/ 947 on TikTok: https://www.tiktok.com/@947joburg 947 on Instagram: https://www.instagram.com/947joburg 947 on X https://x.com/947 947 on YouTube: https://www.youtube.com/@947JoburgSee omnystudio.com/listener for privacy information.

John 12:1-8,Six days before the Passover, Jesus therefore came to Bethany, where Lazarus was, whom Jesus had raised from the dead. 2 So they gave a dinner for him there. Martha served, and Lazarus was one of those reclining with him at table. 3 Mary therefore took a pound of expensive ointment made from pure nard, and anointed the feet of Jesus and wiped his feet with her hair. The house was filled with the fragrance of the perfume. 4 But Judas Iscariot, one of his disciples (he who was about to betray him), said, 5 “Why was this ointment not sold for three hundred denarii and given to the poor?” 6 He said this, not because he cared about the poor, but because he was a thief, and having charge of the moneybag he used to help himself to what was put into it. 7 Jesus said, “Leave her alone, so that she may keep it for the day of my burial. 8 For the poor you always have with you, but you do not always have me.”And the Lord, in verse 7, defends the way Mary of Bethany expresses her devotion to him.What Mary does in verse 3 is good and right, and I think we can learn from her. So that's the goal of this sermon. All last week, my prayer for today has been that through Mary's example in John 12, the Spirit would reawaken in us Mary-like devotion to Jesus. I want us to learn from Mary how to be more like Mary for the glory of Jesus. To that end, this morning I want to show you seven truths of Mary-like devotion.1. Mary-like devotion is surprising. Verse 1 opens with the setting: we are six days away from Passover, and Jesus has come back to Bethany. Now remember that Bethany is where he raised Lazarus from the dead in Chapter 11, verse 43, but then when the Jewish leaders plotted to kill Jesus, John tells us in verse 54 that Jesus “no longer walked openly” among them, because they were looking for him. The Pharisees wanted to arrest him. So Jesus left that area and went to Ephraim, which gave him more distance from Jerusalem. (Bethany was 2 miles outside Jerusalem, Ephraim was about 15 miles). So by the end of Chapter 11, Jesus is laying low.But Chapter 12 opens here and he's back in Bethany, where news travels quickly to Jerusalem, which means this is dangerous — why would he do it? Why would he come back to Bethany now? It's because Passover is six days away. Remember Jesus has a purpose to accomplish in Jerusalem, and now he's getting closer. But since Jesus is in Bethany they throw a special dinner for him. And because it's Bethany, we would expect our favorite Bethany family to be there. We saw these three siblings in Chapter 11 — Mary, Martha, and Lazarus. Now, John knows we'd expect their attendance, so he takes roll in verse 2. Look what he says:“So they gave a dinner for him there. Martha served [check her name off — she's there], and Lazarus was one of those reclining with him as table [check his name off — he's just happy to be in the room].And right away that's Martha and Lazarus. Which sibling is missing?Mary. Now look at verse 3 (verse 2 was just a build up to this):“Mary therefore took a pound of expensive ointment made from pure nard, and anointed the feet of Jesus and wiped his feet with her hair.”The first thing I want you to see is that this was not expected. This is a dinner! People are sharing a meal. Martha is staying busy like she does. Lazarus is at the table (you know he's getting seconds). And then Mary, finally, enters into this dining room with a bottle of ointment (or perfume) and she does this extravagant display of worship.Most of us had big dinners a few days ago. Imagine for a minute if something like this happened! It was not on the menu. It's never happened before. This was a surprise! That's the first thing to know about Mary-like devotion. This is not what most people would expect — because it responds in the moment to the glory of Jesus regardless of the context.2. Mary-like devotion is costly.We can see in verse 3 that this perfume was expensive. John tells us that plainly. But he also gives us two details that explain why. It has to do with quantity and quality.First, with quality, this perfume was made from “pure nard.” That's a plant that's grown in India. The root of this plant produced an oil that was collected to make this perfume.So it's a product derived from nature, created by a process, imported from far away — that sounds expensive. (This is why many scholars believe this Bethany family was well off — this perfume would have only been owned by the luxury class of the Mediterranean world.)Second, notice the quantity. John tells us it was a pound — and that's a Roman pound. The Greek word is litra — and it's equivalent to about 12 ounces. So imagine the American pop can. (I don't know the last time you turned a can of pop upside down to pour it out, but it takes a little longer to empty it than you might think.)Twelve ounces is not a little bit. And Mary doesn't have pop, it's perfume — 12 ounces of perfume — that's a lot of a really nice thing. And to give us more of an idea of how precious it is, John tells us the number value in verse 5. Judas says it's worth 300 denarii — which is about a year's wages.So to draw a parallel to our day, this is what we'd call an annual salary, and the average annual salary in the Twin Cities, Google says, is between $80,000–$90,000. So translate this in your imagination... Picture this: Someone at dinner this past week walks into the dining room and pours out $90,000 on somebody else's feet … Again, this is stunning. And the costliness amplifies the surprise! Those two things go together in Mary-like devotion. It's surprising because it's costly.3. Mary-like devotion is humble.Now, for our imagination's sake, it helps to know how people ate together at this culture and time. They didn't use raised tables and chairs like we do, but they used low tables, and sat on cushions on the floor. They “reclined” on the table, like verse 2 says, and their feet were stretched out behind them, away from the table. So Mary approached Jesus, verse 3, while he was sitting like that, and she anointed his feet.This is a key detail. Because with the extravagance of her gift, we might imagine Mary's actions to be surrounded by pomp. Like maybe Mary enters the room and first clears her throat, and makes sure somebody's getting the video, and then she does it. But it's just the opposite.Mary comes into the room, and stays at the feet's distance away from the table. She's not the center of attention. Nobody was probably even looking in her direction, and then she pours the perfume on Jesus's feet and wipes his feet with her hair. This is borderline undignified. She definitely looked a little silly. To everyone's surprise, with likely the costliest thing she's got, she humbles herself at the feet of Jesus in worship — but then the most vivid display of her humility is the use of her hair.In the ancient world, a woman's hair was her glory. It was her honor. This was Mary's strength, but here she turns her strength into a servant's towel … Her radiance into a rag. Her splendor into a sponge. Her crown becomes a cloth. … to wipe feet.Which means, Mary gives the best part of herself for the least part of Jesus. The highest aspect of her presentation (hair) is submitted to the lowest aspect of his (feet).This is profound humility.Mary is not even audacious enough to pray here: “Jesus, take my utmost for your highest.” She just says, “Jesus, take my utmost!” — And I don't care what anybody else thinks. I'm not concerned about appearance. It doesn't matter what people might say. This is all about Jesus. Mary shows us a marvelous self-forgetfulness. Mary-like devotion is humble.4. Mary-like devotion is fitting.This is #4 of 7, and it really is the central truth in Mary's example.So far we've seen that Mary-like devotion is surprising, costly, and humble, but here's where we need to be clear that the only reason any of this makes sense is because of Jesus. And Jesus doesn't just make Mary's actions make sense, he makes them right. Because of who he is, what Mary does is fitting. John calls her act an “anointing,” which is something done to set someone apart for a certain office. The examples we have in the Old Testament are individuals anointed as a priest or king, and we should think especially of kings in the Gospel of John. If you remember, way back in Chapter 1, when Nathaniel first met Jesus he confessed right away that Jesus is the Son of God and the King of Israel (1:49). Then in Chapter 6, verse 15, after Jesus fed the five thousand, the crowd wanted to take him by force and make him king.So we've seen a kingship theme already.But then right here in Chapter 12, the very next day after Mary anoints Jesus, Jesus rides into Jerusalem on a young donkey, and the crowd paves the way for him with palm branches, and they say — in verse 13 — “Hosanna! Blessed is he who comes in the name of the Lord, even the King of Israel!”So we have every reason to see that Mary's anointing of Jesus is anointing him as King.Because that is who he is. It'll be explicit and public tomorrow in this story, in Jesus's ‘triumphal entry,' but tonight, at this dinner, with Mary, it's implicit and private. In the moment, even Mary doesn't know the full extent of what she's doing, but we as readers can see it. In Chapter 11, we saw her fall at Jesus's feet in grief, here she bows at Jesus's feet in worship.Last chapter she came to Jesus needing his help; now she comes to him just giving him glory.This doesn't mean we ever stop coming to Jesus for help — we do! We always need his help! But sometimes we can also just come to him in simple worship.This is when we come to him, not to ask him for things, but to give him whatever we can because he is worthy — just because he's our king and he's a good king! It is fitting to worship him!Think about this: When was the last time your heart moved toward Jesus, not for what he gives, but for who he is? When was the last time you were simply compelled by the worth of Jesus?The Little Drummer BoyMary's devotion here in Chapter 12 actually reminds me of what used to be one of my least favorite Christmas songs. “Santa Baby” is dead bottom, but not far from there used to be “The Little Drummer Boy.” And the reason I didn't like the song is because for years it didn't make sense to me, and it was kinda irritating. The pa-RUM-pa-pum-pums are distracting. But if we can get rid of that part and focus on the real words in the song, it's actually beautiful. It's a song about a boy who is invited to meet the newborn Jesus (and it's fictional; didn't really happen; we're supposed to use our imaginations). The boy starts the song by saying:Come, they told meA newborn king to see, Our finest gifts to bring,To lay before the king,So to honor himWhen we come You get it? The boy is invited to come meet Jesus, so he does. And in the second stanza he's at the manger, and he speaks to the infant Jesus:Little baby,I am a poor boy tooI have no gifts to bringThat's fit to give a KingShall I play for you on my drum?See, I imagine that's what Mary of Bethany thought. While Martha was busy serving and Lazarus was sitting at the table, Mary thought: The king is here. He's in the room. What do I have that's fit to give a King?And the technical answer is nothing. Nothing we have is enough to match the glory of this King, but Mary thinks I've got that bottle of perfume — just like the boy thought, I've got this drum. And the boy says, “Shall I play the drum?” Mary thinks, “Shall I pour the perfume?” So the boy plays his best, and Mary pours it all. I don't have enough to give you, but I'll give you my best because you're worthy.That's what the song is about. That's what Mary does here. And it's fitting because of the King!And John tells us that the fragrance of her worship fills the entire house. Which means: her personal reverence and self-forgetfulness in recognizing the glory of Jesus becomes uncontainable. Everybody around her can literally sense her devotion for Jesus.5. Mary-like devotion is criticized. This is verses 4–5: But Judas Iscariot, one of his disciples (he who was about to betray him), said, “Why was this ointment not sold for three hundred denarii and given to the poor?”Apparently, Judas caught the aroma, but instead of recognizing Mary's act as a surprising, costly, humble, and fitting act of devotion, he criticized her. He immediately liquidated the value of the ointment in his head, and he corrected her decision. That could have been used for something better! That could have been a lot of money to help poor people! Mary is being unwise!Now, before we look closer into the criticism, I just want to note that it happened, and right away, because that's just how things go — even things as wholesome as Mary's devotion.The Bible gives us no impression that devotion to Jesus will be easy — it actually ensures the opposite. There's a Forest Frank lyric my younger boys love. It goes: Jesus promised that the bad would come along, ‘Cause if life is always easyProbably doin' something wrong.That's true. I want everybody to know: when your devotion to Jesus meets difficulty, that's a good sign. The question for us is about our willingness to endure difficulty. Are we willing to be criticized? Are we willing to express devotion to Jesus that others would call wasteful but Jesus calls beautiful?6. Mary-like devotion is vindicated.Let's look closer at what Judas said in verse 5.At face-value, we might think Judas is onto something, because what he says is not untrue. That perfume was worth a lot of money — three hundred denarii/$80–90K — that's a lot of money you can do a lot with. Judas names one possibility. The problem, though, is that he's thinking about it all the wrong way. See, he's thinking about gifts from the giver's perspective, not from God's perspective. He's thinking about everything from earth looking around, not from heaven looking down.In his mindset — the ‘Judas mindset' — all value is monetary, and all that is monetary is a zero-sum category: which means I'm always thinking, “whatever I give here is what I cannot give there.” And see, Judas is so caught up in this mindset — he cares so much about the optimal management of the gift — that he's blind to the One the gift is for. That is what is most striking about verse 5 — it's the absence of anything to do with Jesus. Judas says nothing about him. So Judas not only rebukes Mary here, but he also registers how little he thinks of Who she worships.And if that wasn't clear, John adds in verse 6. He wants us to know that Judas said what he said:“…not because he cared about the poor, but because he was a thief, and having charge of the moneybag he used to help himself to what was put into it.”Judas was part of a program called ‘Feeding Our Future' …Greed is an ancient sin — it's the root of all evil, and it ruined Judas. (And it's behind the ruin of our state. God help us.)In verse 7, Mary doesn't say anything back to Judas, but Jesus speaks up on her behalf, and he says, first, “Leave her alone.”Which is amazing. Jesus doesn't argue with Judas. He doesn't explain why his mindset is wrong, he first just tells him to stop. Jesus defends Mary, and he makes the issue about himself, because it is!With this perfume Mary has prepared Jesus for the day of his burial, because, verse 8:“…the poor you always have with you, but you do not always have me.”And it's clear now, with the mention of his burial and that he won't always be here, Jesus is talking about his death. Which raises the question for us: Was Mary anointing Jesus as king or preparing him for his death? And the answer is Yes.Again, Mary is doing more here than she realized. She is anointing Jesus as King — it's just that he's a king who will sacrifice his life for his people.He's a King who has come to die. His reign will conquer the grave for good — remember Lazarus — but first Jesus's reign will come through the grave. Our triumphant King will also be a slain Lamb. And John wants us so badly to get this! He gives us hints here in Mary's devotion, but then later in the Book of Revelation he tells us about a vision when saints and angels together pour out their praise to Jesus, and they say, “Worthy is the Lamb who was slain to receive power and wealth and wisdom and might and honor and glory and blessing!” (Revelation 5:12)Listen: I want you to know that the final vindication of our every sincere act of devotion to Jesus will come on that day when we see him. If it's Mary-like devotion, it is never wasted. Jesus is worth it. And this brings us to the last point.7. Mary-like devotion is instructive. We're gonna finish how we started: I think we can learn from our sister Mary. It is a gift to us to be able to see her gift to Jesus, and I want us to be more like her. That's been my prayer: that the Spirit would reawaken or awaken in us Mary-like devotion to Jesus.Devotion that is surprising because it responds to Jesus in the moment, even if it doesn't fit the setting. Costly because it brings Jesus our best, humble because it doesn't worry about what others might think, fitting because Jesus is the King and nothing given to him is too much, criticized because it's not supposed to be easy, and vindicated because the King who Mary worshiped is the Lamb who was slain and one day we will see his worth with our own eyes.Mary's devotion is instructive because it shows us what it looks like when a heart is overcome by the worth of Jesus.And what's incredible for us, is that we know more about Jesus's worth than Mary does here. We already know the end of the story! That Jesus who has come will die, will be resurrected, and will come again.So in closing, I want to invite you to ask yourself this: For Advent, in this season of waiting, what is Jesus calling you to do that would simply reflect his worth?That's what brings us to the Table.The TableWe come here to this Table to rest in the worth of Jesus Christ. Let his glory be your comfort by taking refuge in him. That's what it means to trust in Jesus, and that is who this table is for. If you're here and you have put your faith in Jesus, we invite you to eat and drink with us and give him thanks.

We discuss our 2-0 defeat at the hands of Brighton as costly errors led to the Seagulls walking away with all 3 points at the City GroundThanks to our sponsorswww.trentsidethreads.co.ukUse code RSOTT for 10% offVesta Blindswww.vestablinds.comTwitter/X: @redsidetrentpodFacebook: RedsideofthetrentInstagram: @redsideofthetrentTikTok: @redsidetrentIntro Animation@Jimmynffc'Slept on it thoughts'Animation: @JimmynffcAudio: @ianfinchtvGraphics: @Ellismo17This Podcast has been created by Red Side of the Trent. The views in this Podcast are not neccessarily the views of TalkSPORT. Hosted on Acast. See acast.com/privacy for more information.

COSTLY MISTAKES THE REALITY OF CREDIT MISUSE 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 Credit cards are convenient, but without careful management, they can become a financial trap. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss how misusing credit cards impacts long-term financial health—and share strategies for avoiding costly mistakes. Full Description Credit cards offer convenience, rewards, and short-term flexibility. Yet for many, they also become a source of debt and financial stress. High interest rates, overspending, and missed payments can quickly add up, making it harder to save, invest, or plan for retirement. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., and Tyler Kluge discuss the hidden risks of mismanaging credit cards. They explain how carrying balances month after month erodes wealth and why relying on credit for everyday expenses creates long-term challenges. The conversation also covers the impact of late payments on credit scores and how that can affect borrowing costs in the future. Listeners will learn practical strategies for using credit responsibly. Sandy and Tyler share insights on how to avoid common traps, such as making only minimum payments or applying for too many cards at once. They also highlight the importance of budgeting, paying balances in full, and using rewards programs wisely. The key message is that credit cards are not inherently bad—they simply require discipline. With thoughtful use, they can provide flexibility and even benefits. Without discipline, they can derail savings goals and put your financial security at risk. At BWFA, we help clients make informed decisions about debt, savings, and long-term planning. This episode offers actionable advice to help you avoid the pitfalls of mismanaging credit cards and build a stronger financial foundation. For more financial planning resources, visit BWFA's Financial Planning Services.

The familiar story of the death and resurrection of Lazarus is perhaps the crowning miracle of John's Gospel. Listen as Reverend Eric Alexander expounds the themes of sickness, suffering, and the prayer of faith amidst delays from God. Wonder at the power of Christ's victory over death and the grave on Hear the Word of God. To support this ministry financially, visit: https://www.oneplace.com/donate/581/29?v=20251111

COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION 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 Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.

Powered by BTA Sports https://download.btasports.io/atoz Promo Codes: • ATOZ14 – Extends the weekly trial from 3 days to 14 days • ATOZSPORTS – Extends the yearly trial from 7 days to 14 days For More Titans coverage follow us here: https://www.atozsports.com/nashville Podcasts: https://www.atozsports.com/podcasts Facebook: https://www.facebook.com/atozsportsnashville Instagram: https://www.instagram.com/atozsports/ Twitter: https://twitter.com/AtoZSports TikTok: https://www.tiktok.com/@atozsportsnashville #AtoZSports #TennesseeTitans #NFLFootball Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon, Ted and Jamie Chadwick provide reaction on the dramatic news of McLaren's double disqualification at the Las Vegas Grand Prix. Max Verstappen is hot on the heels of Lando after his team's costly mistake in the desert. We round up all the major talking points from the weekend and look ahead to a thrilling final two races.The F1 Show is a Sky Sports podcast. Listen to every episode here: skysports.com/the-f1-showYou can listen to The F1 Show on your smart speaker by saying "ask Global Player to play The F1 Show".Watch every episode of The F1 Show on YouTube here: The F1 Show on YouTubeFor all the latest F1 news, head to skysports.com/f1For advertising opportunities email: skysportspodcasts@sky.uk

Australia correspondent Annika Smethurst talks about the bombshell revelatory cost of replacing the Bureau of Meteorology's website - the cost to taxpayers has blown out to A$96.5m - about 20 times the previously stated $4.1m. She'll also detail a 'world first' minimum pay for food delivery drivers - how will it work? Annika Smethurst is political editor at The Age

COSTLY MISTAKES HOW TO AVOID RUNNING OUT TOO SOON 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 Spending too quickly in retirement can drain savings and create stress later in life. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the “retirement spending trap” and share strategies to make sure your money lasts as long as you do. Full DescriptionRetirement should be a time to enjoy the results of years of saving and planning. Yet many retirees fall into the spending trap—using their nest egg too quickly in the early years. What feels comfortable in the moment may create long-term financial pressure, especially as healthcare costs rise and lifespans extend. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the importance of pacing withdrawals. They explain how lifestyle choices, travel, and large purchases in the first decade of retirement can have ripple effects decades later. The conversation also highlights why required minimum distributions and tax considerations should factor into withdrawal strategies. Listeners will learn how to develop a sustainable spending plan that aligns with both current lifestyle desires and future needs. Sandy and Tyler share examples of clients who adjusted their spending pace to preserve financial flexibility while still enjoying retirement. They also emphasize the role of professional planning in stress-testing different scenarios to ensure confidence throughout retirement. The retirement spending trap isn't about avoiding enjoyment—it's about making thoughtful choices that balance today's lifestyle with tomorrow's security. By slowing down spending in the early years and reviewing your plan regularly, you can maintain peace of mind while protecting your financial legacy. For more guidance, visit BWFA's Financial Planning Services.

Learn why it's crucial for restoration contractors to understand markup vs. margin and overhead to avoid costly mistakes and improve their profitability.

As long as poor people think like poor people, they stay poor. As long as rich people think like rich people, they stay rich. -Myron Golden   That is a very powerful statement and it might be tough to swallow right now reading that but it doesn't mean that it is permanent.   In today's conversation I go deep on the "One Big Costly Mistake You Are Making With Your Online Coaching Offers" and how to avoid it.   Make sure you have your note pads or apps out and listen to the full episode.   Keep taking action, pursuing personal excellence, and impacting lives   Follow Us: Instagram: https://www.instagram.com/chrisandericmartinez/ YouTube: https://www.youtube.com/user/Dynamicduotraining   Attention Nutrition & Fitness Coaches: "See Our One Time Exclusive 80% Off Black Friday Deal on our Online Clients System Mentorship"  See HERE   See the full Show Notes to this episode here: https://www.liveadynamiclifestyle.com/podcast/one-big-costly-mistake-you-are-making-with-your-online-coaching-offers/

Brian recaps the Patriots' win in Cincinnati that featured some costly injuries to the offensive line and talks about why the Pats can't run the ball (0:45). Then, he discusses the Celtics' win over the Magic on Sunday and Neemias Queta's ankle injury. Then, he chats with three-time Super Bowl champ James White about the game, Drake Maye's subpar performance, and the Pats' running game (30:15). Brian takes some listener calls before he and Jamie end with some final thoughts on the Pats (54:00). We want to hear from you! Leave Brian a message on the listener line at 617-396-7172. Or send us your questions for our mailbag at offthepike@gmail.com. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Brian Barrett Guest: James White Producer: Jamie McClellan Learn more about your ad choices. Visit podcastchoices.com/adchoices

Has yesterday's win changed your opinion on the Patriots? // More on the Patriots' red zone struggles // Grading the Patriots' defensive performance in yesterday's win //

Hour 1 - Jones and Keefe are ready for another Patriots Monday. Pats make it nine in a row and first team to ten wins, but they lost a lot of guys in yesterdays game. How much does that worry you? Hunter Henry joins.

Fans weigh in on the "costly" win for the Patriots

HOUR 1: Nick "Fitzy" Stevens and Andy Hart open the show by breaking down the Patriots' 26-20 win in Cincinnati, a hard-fought victory overshadowed by a string of injuries to the offensive line. The guys react to postgame pressers from Mike Vrabel and Drake Maye, and discuss just how much these injuries could impact the Pats moving forward. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

HR1 - Fitzy and Hart open this afternoon's show breaking down the Patriots 26-20 win in Cincinnati that saw a litany of injuries to the Pats OL. The guys react to Mike Vrabel and Drake Maye's postgame press conferences, and discuss just how disasters these injuries could be

Segment 1: Setting the SceneMention the matchup: Buccaneers vs. Rams in Los Angeles.Highlight the stakes: Sunday Night Football, big expectations.Tease Kevin's recap challenge: “Can he break it down in 2 minutes?” Segment 2: Kevin's Two-Minute DrillKevin delivers his rapid-fire recap: Score: Rams 34 – Buccaneers 7.Key moments: Early blowout (21-0), Baker Mayfield injury, Teddy Bridgewater steps in.Clever phrasing: “La La Land turned into Ha Ha Land.”Fantasy football tip: Matt Stafford shines.Lone bright spot: Baker-to-Tez Johnson touchdown. Segment 3: Injury UpdateBaker Mayfield's shoulder sprain, MRI scheduled.Possible QB change: Teddy Bridgewater could start next week.Emotional plea: “Please, Baker, please be okay.” Segment 4: Coach's CommentsTodd Bowles' post-game remarks: “Everything ahead of us… but a lot of work to do.”Discuss tone and implications for the team. Segment 5: Fan Reaction & AnalysisKevin's raw reaction: embarrassment, frustration.Breakdown of defensive failures: Stafford domination.Costly mistakes (Cade Otton's drop leading to defensive TD).Debate: Is Todd Bowles to blame?Segment 6: Looking AheadNext opponent: Cardinals in Tampa (Sunday, 1 PM).Remaining schedule: Panthers (twice), Falcons, Saints, Cardinals, Dolphins.Optimism vs. reality: “They should win all six… if Baker is healthy.”See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

COSTLY MISTAKES SPENDING BONUSES THE WRONG WAY 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 Year-end bonuses can provide a big financial boost, but without a plan, extra income often disappears quickly. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why “blowing your bonus” is a costly mistake—and how to turn windfalls into long-term opportunity. Full Description Receiving a bonus feels rewarding. It can be tempting to celebrate with a big purchase, upgrade, or vacation. But when bonuses are spent too quickly, they fail to create lasting financial impact. Instead of building wealth, they disappear into short-term lifestyle choices. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the common mistake of “blowing your bonus.” They explain how treating bonuses like “found money” often leads to spending that doesn't align with long-term goals. The conversation highlights how extra income, when used wisely, can accelerate savings, pay down debt, or strengthen retirement plans. Listeners will hear practical strategies for putting bonuses to work. Sandy and Tyler share how dividing bonuses into buckets—such as savings, debt reduction, and enjoyment—creates balance between financial progress and personal reward. They also discuss how ignoring tax implications can lead to surprises, and why planning ahead ensures that a bonus creates lasting value. The key takeaway: bonuses are opportunities, not guarantees. By planning in advance, individuals can avoid the costly mistake of spending without intention. Even small steps—like contributing to retirement accounts, funding emergency savings, or investing for growth—can have an outsized impact when applied consistently. At BWFA, we help clients integrate windfalls like bonuses into their broader financial plans. This episode shows how a thoughtful approach can turn extra income into meaningful progress toward long-term goals. For more insights, visit BWFA's Financial Planning Services.

Dylan recaps the Jets 9th loss of the season, 23-10 to the Ravens, ensuring a 10th consecutive losing season for New York. In a tale of two halves, the Jets fall apart in the second half and allow the Ravens to take control of the ball game. He reviews the game-changing plays and the coaching decisions that led to the Jets falling short once again. Follow Dylan on Socials: YouTube: Dylan Tereman X/Twitter: dtereman IG: dtereman Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When it comes to scaling smarter, not scattered, there are three mistakes owners make that hurt efficiency, profitability, and leadership. Kiera talks about how Dental A-Team helps practices simplify methods so that success is humming across all locations. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and I hope you are having such an amazing day. Today is podcasting day and I actually did a little reel for you guys to come and enjoy getting ready for me on podcasting day. My husband and I, we did this funny thing when I got like amped myself up and we're like, I love my life. I love my job. I love podcasting. And I don't know if you guys have seen that little girl.   who does that where she gets so excited about life and it's like, I love my bed, I love my hot tub, I love my view. And truly I love all of you. And I'm just super excited to be here with you podcasting, to be talking about great things in dentistry. And today I think that this one's going out to our multi-practice owners. And these are three costly gaps that I've noticed within multi-practice ownership that really try to highlight some of the gaps because at the end of the day, the podcast was created   to help all dentists elevate, to help all of us rise, to positively impact the world of dentistry in the greatest way possible. And that's what we're about. That's what our mission is. That's what I'm about. And so today going out to those multi-practice owners, or for those of you thinking about multi-practice ownership and do you want to do this? do you want to like, what are some of these gaps that maybe could also impact solo practice owners? So at Dental A Team, do work with solo practice owners, multi-practice owners. We work with...   like from basically one million, you know, you're maybe at that 650, one million range, all the way up to that 10, 15, $20 million range as well for practices. And there is a no one size fits all in Dental A Team I'm very, very, very, very big on who we hire and who the people are within our company. And with our clients that this is your life. This is your dream. There is no ultimate destination that we're trying to get all of our practices to. There is no final   You've got to hit this in order to be excellent within Dental A Team. is what is your life? We have some owners that are working at two or three days a week. We have some owners that are working six days a week. We have some that want multi-practice ownership. have others that want solo practice ownership. We have some that are solo practitioners doing 4 million in one location of about six to seven operatories. We have others that are in multi-locations doing 2 million. So really there is a no one size fits all. It's more what do you want to be? And we call this the yes model. So where do you   personally and professionally want to be. stands for earnings to make sure you're profitable and S stands for systems and teams to support that. So really making sure that way you can say yes to your life, yes to the things you want in life. That's what we're about. So with that, like when you look at multi-practice ownership, it does not necessarily mean adding more profit. I've talked to several multi-practice owners that are actually making less money in multi-practice ownership than they are.   prior to expanding to multi locations. Think about it. You've got one location that's doing really well, the other one's not doing so well, well, your good one has to then support your not so cash flowing one. So sometimes it actually can be a lot more costly for you. And so for you to just realize that some of the ways that we can do this will actually impact solo practitioners. ⁓ And so the three things that we're gonna work on today are like,   things that hurt efficiency, they hurt profitability and they hurt leadership. So when we look at this, doing a deep dive on that, that's really what I want you to look at of like how you can scale smarter and not scattered because really with multi-practice ownership, I remember the day we opened our second location. Our first practice was doing, it was 500,000 to 2.4 million in nine months. And then we opened our second location and you better believe that it was like just adding more fuel to this already burning chaos fire. I think that's really, really clear. And I hope you heard that it was adding more fuel.   to the chaos fire, not to the profitable fire, but to the chaos fire. ⁓ And that was really, really, really struggling. ⁓ It was hard on me. It was hard on our practice. It was hard on the team. I was not showing up as a great manager. I was not showing up as a great ⁓ leader. I was not showing up as a great partner. ⁓ I was not showing up great in my marriage. It was like literally just trying to swim through and feel like I was trying to survive rather than doing it smart. And so that's something really big that we've been wanting to do for all of you is   to give you this smarter way. Dental A Team was really here for you. It was built by people who are just like you, who have been in your shoes, they don't just understand you, but have actually been in your shoes, who's walked the walk, talked the talk, and we've done it very successfully. So I love to help offices. Hopefully we're helping you. ⁓ And if you love this podcast, please be sure to like it, start, share it, because that's how we're able to help and influence more people. number one, the biggest number one miss is no centralized operations. So that means ⁓ we don't...   we don't have a central plan and instead our practices are individual islands. This was very much my practices. We had our one and it was doing certain things and we had our second one and it was not doing certain things. And so going from each practice felt like I was going to multiple different locations, multi different pieces and that really gets hard. And so we have inconsistent systems which means we have unpredictable outcomes. And then on that, like we did not have a set way that we'd schedule. So we'd schedule one way at our first location another way at our second location.   Our billing was not the same. The way we were insurance verifying, our fee schedules weren't even the same because we were in two different cities. And so we had different fee schedules. ⁓ Reporting was not the same. We did not have leaders in both practices. We did not have SOPs that could scale. Like truly our operations manual was not done and we just thought buy another practice and let's go through this. Rather than having a set standard, and this is something I'm really big on when people want to go to multi-practice ownership or they're already in multi-practice ownership. This is really where we start. There's a practice that we're working with and   I think about them, were, the solo doctor was running around to every single location, trying to out-produce the problems instead of fixing the problems at the base level. And that's going to be through this of like centralized systems and getting systems in place and like having our scheduling and our billing and our cashflow consistent and looking at each of the individual practices ⁓ to make sure that they are centralized. And so when we work with multi-locations,   What we do is we actually simplify it down. So you don't necessarily have to have centralized billing or scheduling like right away. Once you get to that four or five, usually it's very recommended to have centralized billing or I've got some practices that are multi like it's one location, but they have about 15 to 17 operatories. Well, that does count in my opinion as multi ops, multi practices, cause a lot of times multi practices are like five ops or more. So you think about a 15 op practice that's like three practices, but just under one roof.   So even in this larger practice, I often recommend we start to centralizing. So we have a set standard of how we're doing billing. We have different reporting metrics. You've got to have the KPIs. We've got to have the set system. So what we started to do is we standardized the operatories. So all ops are the same. We standardized how we're scheduling. We're all in the same softwares. We have an SOP. So we've got our front office, our back office teams, and we do the exact same way. So how we're doing it. We had both practices auditing each other so that we standards were not getting missed and it wasn't.   Well, this practice does it this way and this one does it this way. No, we're trying to make these standardized. that way, again, it's not so that way we can't have our own flare and variety at the different locations, but it's so that way when practices show up and doctors show up, we're actually able to be efficient and effective because we're able to have it be the same. It's like, could you imagine ⁓ if your practices were like everybody's varying different houses? So the way I put my silverware in my house might be very different than where you put your silverware in your house.   So just imagine we've got five different houses, how much easier it would be if we all walk in and we all agree that silverware goes to the right of the dishwasher. Well, now, no matter where the dishwasher is placed in a house, we know silverware will always be to the right of the dishwasher. Just like when we walk into an operatory, we always know that the ⁓ disposable, so our gauze, our cotton, is always to the right of X. It all practices. So as much as we can get them similar, so that way it's just more efficient, it's more streamlined, everything is working together rather than against each other.   but truly getting centralized operations in multi-operatories or multi-locations is going to be one of the biggest ways to cut costs, to save time, and to make it more efficient for a better patient care all the way around the board. So really look at your practice and see, do we have inconsistent systems? Are we doing things differently? Do we have different flares and flavors? Do we have like five different houses within our multi-practice ownership? And what could we do to unify it across all of the practices this quarter? And usually when I'm starting with an office,   I'm going to look for the scheduling because that's usually the fastest. Then the operatories will be my next piece that I'm going to go for. And then after that, we're going to go into our billing tactics and making sure that goes into it, which leads me right into point number two. And this is gap number two and it's profit per location is not being tracked. A lot of times when people get multipractices, what they do is they just keep it all under one tax ID number. I understand your reasoning. I did that when I started my multiple businesses. It actually gets really hairy scary. And so ⁓   Yes, like let's untangle this. I'm not a CPA. My job is not to be giving you financial advice. My job is just to help you as a consultant. We pair really well with CPAs. And so miss number two is when we don't have profit being tracked per location, but overall as total revenue, but not knowing which practice is profitable and which practice is struggling. That's a really, really, really big miss as a practice. So helping you just understand that you've got to a hundred percent.   make sure we're looking at the profitability and breaking it apart. So each practice has its own tax ID number. Yes, this is annoying. Yes, you have to fix the billing pieces for it, but each practice needs to be treated like its own individual business unit. within the bigger whole. So it's like we have the same standards, we have the same operatory setup, we have the same softwares, we have the same billing tactics, but what we have is we make sure each practice is profitable.   So we know how much are we paying for all the fixed versus variable costs and we're tracking those within each location. When team members travel between each location, they're actually paid out of two separate entities. So they could be technically putting in more than 40 hours, but if they're only putting 20 hours here and 30 hours here, technically that's not over time. It's like working two different jobs. Now you have to be careful with that to make sure that those employees are not overworked.   But making sure that like when I've got team members going to multi locations, I am tracking it per location. I am tracking it per practice. When I've got regional managers separating out that regional manager salary amongst all the locations to make sure is this practical profitable? And if not, what are the underperformers? What are the root causes? How can I get this profitable? Can we do block scheduling in there? Can I work on my costs? I've got two practices right now and their rent is much higher in one location. Well, if I've got higher rent over there and higher costs,   I have to produce more in that practice than I do. So I can't have the exact same block scheduling in both locations. I can still block schedule similarly, but I have to make sure that I'm hitting my correct overhead percentages and that each practice is profitable. We have separate credit cards for each location. So we're ordering on those separate credit cards. So it is per location. We have different bank accounts for each location. So the money's coming in so we can see what it is. And what's crazy is when offices actually do this, what they find is   they're actually able to quickly identify what the root causes of that practice. They're able to bring it up to par. like one practice, they're losing money due to not having hygiene reappointments in there. So like the hygiene team is not as profitable as they should be. So we laser focus in on that. We fix the systems across the board, but we laser focus on the practice that's struggling. And we're actually able to boost them by 400,000 per year just by fixing that one small problem, because we're not looking at the organization as a whole. Yes, you do need to look at the organization as a whole.   but you do need to like scope it down to how each practice is performing. And this should be weekly, monthly, quarterly to then assess how we're doing. ⁓ When people get into multi level DSOs, you better believe they're looking at their top performers and their lower performance. And a lot of times they cut those lower performing offices out because that's hurting their overall profitability of the business. So many offices have really high producing practices and they're dumping it to go save the other ones. Just like thinking about a real estate portfolio.   they're looking and rebalancing those portfolios, but for you to rebalance it is to make sure you're tracking the profit per location and we're fixing the issues at the base root problem. ⁓ And so really what it should be is you should A, make sure you're running them individually, B, do a P &L by location and let's figure out where our gaps are within the finances to see how can I make each location profitable and set that as the target as the goal for your regional, for your office managers.   This is the goal per location. I work with an office and we have six locations that we go to quarterly. And we are looking at their scorecards every single week, every single practice. And then we look collectively at the whole to make sure organization as a whole is profitable. Yes, when we started new and of course we're going to be dumping money into it. But the goal is for that new practice to be profitable. Six months to one year max is when they need to start breaking profit. And so when teams know this, when office managers know this, what happens is the whole   portfolio actually does better and the businesses are running much more effectively, efficiently with better patient care, better team awareness all around. So that's miss number two, ⁓ gap number two. Miss number three is not having consistent accountability. So when you have it, oftentimes it's just this chaos. Like I said, like we're adding more fuel to a chaos burning fire. And so ⁓ when we have that there's no roles, there's no structured check-ins, there's...   It just feels like hope and pray. And then we're trying to like get the profitability margins. We're trying to do all those pieces. So we've got to have cadences in there of weekly calls, having weekly scorecards and quarterly reviews. ⁓ And so when you have leaders at each location, what they do is they, get all office managers together on a weekly call. They look at the scorecards for their practices. They look cross company so they can look at all the other offices. So if I'm struggling with a profitability, but this office over here is doing really well.   office managers sync up, let's have you two work together, let's have you see what you're doing differently. That way everybody's able to be profitable. So that really helps. And then you empower all the leaders to own their KPIs and report back. So they're owning their teams, they're owning their departments, they're owning the profitability of their practice. And then this way we're able to have metrics that are the same across all locations. So having a set scorecard that's used, when we do it within our company, we have practice A, practice B, practice C.   Right now I've got an office I'm thinking of and practice A is super profitable and practice B is not. And they're just looking at it collectively as a whole versus saying, my gosh, we've got to get like practice B profitable. Practice B is not producing and it's not collecting what it should be. A lot of times also that profitability margin is hurting because we're not collecting. And so one practice is very much collecting, paying for the other practice, but it's just due to broken systems and not having that O-M responsible. And it's because we're spread across trying to be   ⁓ efficient, which is true, but we have to have individualized centralized accountability frameworks in each location. So it reports up. People know who's ultimately responsible for that practice for the different pieces, rather than it being we're all responsible for everything. That means nothing is actually truly being tracked. So ⁓ when we've implemented these scorecards across practices, usually what you start to see is you see an increase in profitability, an increase in collections, an increase in case acceptance, because everybody's looking   Like we're looking side to side, it's like Sudoku. I'm looking to see how am I comparing with my other practices and how can I get the support where I'm struggling? And then you also start to create cohesiveness as a unity. You start to create cross collaboration. And this is a huge, huge, huge mess in multi-practice ownership and even in bigger practices. So when you look at this and you have that weekly reporting rhythm, you have this weekly accountability, and then you start to empower your leaders to meet with their team members once a month.   and then have quarterly cadences where we're looking to see how we're doing, you start to see teams rise up. Because now it's like, great, we know what the scoreboard is. We know what we're aiming for. know everybody knows what they're accountable for. There's no more of this confusion of what should we be doing or should my practice do this, but your practice doesn't. You try to get them as standardized as possible. And what I will tell you is working with multiple multi-practice owners, this is not a dream. This is a reality that you should be striving for and that you can do. I love to work with Mac.   multi-practice owners because I love to take the chaos and turn it into simplicity. I love to help you see which like it's like a ball of yarn and you're like, my gosh, like pull this string or pull this string or pull that string. And like, we don't know how to untangle what we've created. And so doing these three misses of not having centralized operations. So making sure we're centralized across the board, making sure each practice is profitable and then having accountability across the board. When you streamline those across all your locations,   instantly things get better. Scaling is not great when it's chaos. Scaling is great when it's tightened, when it's predictable, and when it's consistent. That's when it becomes fun. That's when it becomes fun to be multi-practice honored, but it is not fun when it is the chaos. And so when we do this, this is something that I'm obsessed with. This is something I love to help offices. This is where I love to help regional managers figure out how to do this because a lot of times they don't even know. They've never done it before. They've just been a great office manager and doing one baby versus five babies.   We all know as parents and siblings and aunts and uncles, we know that one baby is a lot easier than five babies. However, five babies can actually be easier on certain levels when we have set standards and we have set processes and we have set things in place and we've got rhythms and we've got routines that actually sometimes can be easier than just one because it forces you to actually rise up. It forces you to be better than what you've been. And so with this, just know these are some of the three big gaps that we see in multi-practice ownership or large practice ownership.   These are some of the areas that we really expert help. And hopefully for you to just have a quick like checklist of like, where am I doing on my standardized ops? How am I doing on profitability of each location? And how am I doing on accountability, KPI tracking, scorecard accountability, weekly check-ins, implementing just a few of these things will radically help you. But sometimes it's so hard to lift your head up out of the bubble when you're living in the bubble. And so if you're struggling with that, reach out.   Like let's just have a conversation. Let's see if we're a right fit. If nothing else, we'll give you a lot of gaps, a lot of tools, a lot of tips and help you out. reach out, Hello@TheDentalATeam.com. Go to our website, TheDentalATeam.com and click on the book of call. This is what we do. We create structure for scale, clarity for leaders and profit for every location. Like that is what our obsession is. And so I'd love to help you out. As always, just know dentistry is the greatest place we could ever possibly be in. We are so blessed to be a part of dentistry.   And I just want you to remember like if multi-practice ownership or larger practice ownerships on the horizon, these are things to do. If you're already in the weeds of it, you know, it's a lot harder to actually do than you thought it was. And so reach out. There's no reason to do this alone. The industry is hard as it is. So there's no reason to do this alone. Reach out. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.  

In this episode of the Long Range Shooting and Custom Rifle Building Podcast, Jamie continues our deep-dive series into the Wolf Precision Rifle Build Kits—specifically the Level 1 / unassembled kit and why our professional inspection of every component matters. Jamie shares real-world examples from 20+ years of building custom rifles, including the hidden stock and chassis issues that can damage triggers, receivers, create feeding problems, or cripple accuracy before the rifle ever sees the range. He explains why having a gunsmith inspect every component—actions, barrels, stocks, chassis, triggers, inlets, action screws and more—can save you money, time, and heartache while guaranteeing that your rifle actually performs when you put it together. We also dive into the new Wolfpack program, how the Lone Wolf, Pack Hunter, and Alpha Pack tiers work, the massive discounts they offer, and how they integrate directly with the Level 1, 2, and 3 build kit system—plus early access to the Prosumer Gunsmithing School starting December 1st. If you're considering building a Wolf Precision rifle, want to save money without sacrificing performance, or simply want to understand how to avoid the most common build-kit mistakes, this is a must-listen episode.   Wolf Precision Custom Rifles: www.wolfprecision.net The Wolf Pack Training Center: Learn more here. https://www.wolfprecision.net/the-wolf-pack.html

Episode 2.58Adoption is not sentimental — it's sacrificial.In this week's episode, Zach and Michael turn from the Father's loving plan to the Son's redeeming work, showing that our adoption came at a staggering cost: the blood of Christ.Drawing from Galatians 4:1–7, they trace the journey from slavery to sonship. Humanity once stood as heirs-in-waiting, bound under the law. But “in the fullness of time,” God sent His Son — born of woman, born under the law — to redeem us so that we might receive adoption as sons. The Son bore the curse we deserved (Gal. 3:13), freeing us to share in His own inheritance.Paul's phrase “adoption as sons” carries Roman legal weight: all believers — male and female — share in the same full rights before the Father because they are united to Christ, the true Son.Our adoption was not cheap. It required the cross.Romans 5 reminds us: “While we were still sinners, Christ died for us.” God didn't adopt the neutral — He adopted the hostile. Every believer's redemption is a declaration of victory in a cosmic war.Applications:– Adoption is Warfare — every redeemed life is proof that Christ has conquered.– Adoption is Costly — our family status required the Son's death.– Adoption Invites Worship — Jesus was forsaken so we could be welcomed.– Adoption Shapes Gratitude — understanding the cost leads to humility and joy.Big Idea:Spiritual adoption is possible only because the Son paid the full price of redemption, securing our right to call His Father our Father.Find our videocast here: https://youtu.be/cWkzqx5GK6UMerch here: https://take-2-podcast.printify.me/Music from #Uppbeat (free for Creators!):⁠https://uppbeat.io/t/reakt-music/deep-stone⁠License code: 2QZOZ2YHZ5UTE7C8Find more Take 2 Theology content at http://www.take2theology.com

In this episode of the Tax Smart REI Podcast, Thomas Castelli and Nathan Sosa field real questions from the Tax Smart Investors Facebook group, their online community, and recent client conversations to tackle the most common and most confusing year-end tax issues real estate investors are facing. You'll learn: - Why you must take depreciation on your rental properties - When you're stuck with 40% vs 100% bonus depreciation - How short-term rental hours do (and don't) count toward real estate professional status - When using a property manager or a seller staying in the property after closing can blow up your short-term rental strategy - The tests you need to meet if you want syndication losses to be non-passive - Why condos still need a land allocation for depreciation even if you “don't own the dirt” Practical year-end action items: time logs, charitable bunching, retirement contributions, and how to use the free Year-End Tax Checklist without panic-buying a bad deal for a one-year tax win Whether you're trying to squeeze in a year-end short-term rental, line up a cost seg study, or simply avoid costly mistakes on your 2025 return, this episode will help you zoom out, think long term, and decide which moves are truly worth making before December 31st — and which ones can wait. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX Connect with Engineered Tax Services: https://portal.engineeredtaxservices.com/cost-segregation/quick-start?utm_source=Live+Event&utm_medium=Others&utm_campaign=hall_cpa&pagesense_source=729733000061045013&utm_term=kim_lochridge&utm_content=cost_segregation Get the Year-End Tax Checklist: https://go.therealestatecpa.com/4pj63id The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

COSTLY MISTAKES SELLING IN A DOWN MARKET 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 Selling investments during a market downturn can feel like the safe move—but it's often the most costly. In this episode, BWFA's Sandy Hornor and Tyler Kluge explain why timing the market rarely works, and how emotional decisions can derail your long-term financial plan. Full Description When markets fall, fear often takes over. Investors may feel pressure to sell their holdings to “avoid more losses,” but history shows that this reaction usually does more harm than good. Selling in a down market not only locks in losses—it also prevents investors from benefiting when markets rebound. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge discuss why selling during downturns is one of the most damaging financial mistakes investors make. They explain how emotional reactions, rather than strategy, often drive poor timing decisions. Once investors move to cash, they face two nearly impossible tasks: deciding when to sell and when to get back in. Missing even a few of the market's best days—many of which occur during volatile periods—can set back long-term growth significantly. Sandy and Tyler share practical strategies to help listeners avoid panic-driven decisions. They emphasize the importance of planning, understanding risk tolerance, and aligning investments with short-, mid-, and long-term needs. They also explain how diversifying portfolios and allocating funds to conservative assets can provide stability during volatile times. A key takeaway: volatility is temporary, but your goals are not. By sticking with a well-structured plan and working with a trusted advisor, you can stay focused on what you can control and weather downturns with confidence. At BWFA, we help clients design portfolios that can endure market cycles without jeopardizing long-term goals. This episode offers perspective, reassurance, and a steady reminder to stay the course. For more insights, visit BWFA's Investment Management Services.

Welcome to a Wide World of Sports update. A snapshot of the latest sport stories from the 9News team including: Socceroos slump to third straight loss Australia's training session halted due to lightening ahead of first Ashes test Wallabies players reject calls for coach to step down The biggest sport stories in less than 5 minutes delivered twice a day, with reports from the 9News team across Australia and overseas. Subscribe now to make it part of your daily news diet. See omnystudio.com/listener for privacy information.

Throughout this series, we have learned that an altar is a place where people surrendered, and in that place of surrender and obedience, God would meet them there. Pastor Shawn shows us how living a life of sacrifice is not one of God taking things from us, but rather forming something deeper within us.

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingPros Shop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, David Roman and Lucas are joined by Kyle Buenger, owner of KB Mobile Programming. Kyle shares his journey from burnout in a traditional shop environment to launching his own mobile programming business in Phoenix, Arizona. The discussion centers on the importance of proper financial planning, including pricing and insurance, for independent technicians. It also addresses the challenges and opportunities of working in a market with limited diagnostic talent, as well as the need to develop systems that support growth and long-term sustainability.00:00 "Inconsequential Things Won't Change"09:04 "Initiative to Solve Programming Issue"13:05 "Starting Work and Progressing"18:45 Honda Accord vs Ferrari Debate21:50 Maximizing Mobile Repair Profitability27:55 Managing Expenses with Steady Income32:48 "Progress Over Fear of Loss"39:37 Raise Prices and Build Value44:04 Avoiding Tool Salesmen48:27 "Work Dispatch and Programming Process"53:22 "Investing and Reinvesting in Business"01:00:04 Diagnostic Testing and Routine Basics01:08:20 Tampered Seat Belt Leads Trauma01:09:47 Unwanted, Costly, Certified Repairs

Sunday Morning WorshipThree Costly Choices - Matthew 26:1-16Dr. Paul ThompsonNovember 16, 2025Notes | https://calvarydothan.com/wp-content/uploads/2025_11_16_1.pdf

* Food insecurity can increase crime in communities * How Frank Wilson coached LSU to a win over Arkansas * Why is owning a home in New Orleans so expensive? * Just how bad are the Falcons? * Good news is coming for Louisiana's oil and gas industry * Bank On It: How criminals can steal your home * Saints need to see what Tyler Shough does best and lean into it

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.

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

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. 

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.

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