Podcasts about Costly

Friends, this week we're diving into something that's been eating at me for a while now—how the architects of Christian nationalism have had the audacity to claim Dietrich Bonhoeffer as one of their own. I'm talking about Project 2025 invoking "costly grace" as if Bonhoeffer wasn't writing about them. Here's the thing: when Bonhoeffer penned those famous words in 1937, he wasn't crafting a devotional for suburban book clubs—he was running an illegal seminary under Nazi surveillance, training pastors who were forfeiting their careers, their pensions, and their safety to follow Jesus instead of the Führer. The German Christians of his day fused faith with national identity, blessed political power, and demanded loyalty to a strongman who promised to make their country great again. Sound familiar? The brutal irony is that those who now quote Bonhoeffer are functionally aligned with the very forces he resisted—they're the German Christians quoting the Confessing Church, and that's about as theologically obtuse as Caesar celebrating the cross while forgetting he's the one who put Jesus on it. Costly grace is still available, y'all—it just actually has to cost something. ⁠Read the full essay and subscribe for more at my SubStack, Process This⁠ ⁠You can subscribe to the Audio Essay podcast feed here.⁠ Join us at Theology Beer Camp, October 8-10, in Kansas City!⁠⁠ ⁠⁠⁠UPCOMING ONLINE LENT CLASS: Jesus in Galilee w/ John Dominic Crossan⁠⁠⁠⁠ What can we actually know about Jesus of Nazareth? And, what difference does it make? ⁠⁠⁠⁠This Lenten class ⁠⁠⁠⁠begins where all of Dr. John Dominic Crossan's has work begins: with history. What was actually happening in Galilee in the 20s CE? What did Herod Antipas' transformation of the "Sea of Galilee" into the commercial "Sea of Tiberias" mean for peasant fishing communities? Why did Jesus emerge from John's baptism movement proclaiming God's Rule through parables—and what made that medium so perfectly suited to that message? Only by understanding what Jesus' parables meant then can we wrestle with what they might demand of us now. ⁠⁠⁠⁠The class is donation-based, including 0, so join, get info, and join up here.⁠⁠⁠ This podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Homebrewed Christianity ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠production. Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠the Homebrewed Christianity⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Theology Nerd Throwdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rise of Bonhoeffer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ podcasts for more theological goodness for your earbuds. Join over 75,000 other people by joining our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Substack - Process This!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get instant access to over 50 classes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.TheologyClass.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast, drop a review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, send ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠feedback/questions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or become a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠member of the HBC Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jon Dwoskin and Craig Zucker discuss the crucial role of proactive legal planning in business. Craig shares how many entrepreneurs skip formalizing agreements early on, leading to preventable conflicts. He stresses the importance of proper documentation and preparing for worst-case scenarios, even in trusted partnerships. Craig Zucker is a shareholder and member of Maddin Hauser's Executive Committee. H co-chairs the firm's Bankruptcy, Restructuring and Debtor-Creditor Rights group. Craig concentrates his practice in bankruptcy and complex insolvency-related matters, serving clients throughout the United States including in New York, Ohio, and Florida. He has a broad range of experience representing debtors and creditors in federal, bankruptcy, and state court proceedings and through out-of-court workouts, mediations, and facilitations. Craig has successfully represented the interests of multi-employer fringe benefit funds, pension funds, health and welfare funds, unions, and retirees in various federal and bankruptcy court proceedings, including Chapters 7, 9, and 11 bankruptcies. He also has gained extensive experience with construction law and construction-related lien and bond rights in federal and state court matters. Craig is AV rated in Martindale Hubbell and has been named in the Best Lawyers in America since 2010. Listed as a Top Lawyer by DBusiness Magazine in litigation-bankruptcy, he also has been recognized as a Michigan Leading Lawyer in the areas of Bankruptcy & Workout Law: Commercial and Creditor's Rights/Commercial Collections Law. Craig was selected by Michigan Lawyers Weekly for induction in their "Hall of Fame" 2023 class, an honor awarded to Michigan legal leaders for their successful careers and valuable contributions to the profession and community. As a presenter at various national and local seminars, Craig shares his extensive knowledge on insolvency, bankruptcy, and debtor/creditor rights.   Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with Craig Zucker:Website: https://maddinhauser.com/ LinkedIn: https://www.linkedin.com/in/craig-zucker-444447220/ Facebook: https://www.facebook.com/MaddinHauser X: https://twitter.com/MaddinHauserPC Firm LinkedIn: https://www.linkedin.com/company/maddin-hauser-roth-and-heller-pc/ YouTube: https://www.youtube.com/@maddinhauserlaw                                                                                     *E – explicit language may be used in this podcast.

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Gary and Shannon break down California’s wide-open governor’s race, where there’s no clear front-runner and voters seem unmotivated. They then dig into Los Angeles spending millions on outside lawyers amid an ongoing homelessness lawsuit, raising questions about priorities and accountability. Plus, the GaS Legal Desk covers a disturbing Orange County case involving an exotic dancer accused of killing and beheading her boyfriend, and why call screening and unanswered phones are suddenly frustrating the rich and powerful.See omnystudio.com/listener for privacy information.

Have you ever looked at your marketing spend and thought, where the heck did that money go? If so, you are not alone. If your marketing feels like you're throwing cash into a bonfire, you're not broken, you're not behind. You're just missing the engine that makes everything work.>>> Here are 4 ways we can help you reach your revenue goals faster...#1 Unlock the full potential of your marketing engine. We'll provide you and your team with the direction, insights, and tools necessary to excel in the complex landscape of modern marketing. - Marketing Advisor On Call#2 Discover the marketing strategies & tactics that will guide your next quarter and unlock explosive growth in 90 minutes. - Quick-Start Marketing Strategy Game Plan#3 Discover a tailor-made strategy for unprecedented growth to transform your marketing in 30 days. - Unlock Your Growth Opportunities#4 If you need guidance on the most effective direction for your marketing, then schedule a call with us today! - Get Your Free Discovery Call Now

Have you ever felt like God asked you to give up something that felt good… even godly? In this vulnerable and heartfelt episode, Amy shares a deeply personal story about wrestling with obedience, identity, and the unexpected cost of peace.From navigating a hard decision with a faith-filled yes, to processing the emotions that come with letting go of something you love, Amy invites you into a conversation we don't often hear: What if your next season with God requires a step of surrender before a step of clarity?She reflects on how obedience is rarely convenient, but always worth it. This is an episode for anyone who's been afraid to let go, scared of silence, or wondering what comes after the no.You'll walk away with renewed courage to trust God even when the path feels uncertain—and a reminder that when God asks you to lay something down, it's only because He's already made a way forward.Connect With Us:Website: https://www.youaremore.comFree Download: 5 Steps to Win Through AdversitySocial Media: Follow us on Facebook and InstagramEmail: amy@amywienands.comEpisode Minute By Minute:00:00 – Intro: The Message I Didn't Want to Give01:55 – When God Asked Me to Say No05:12 – Obedience Before Clarity08:30 – The Tension Between Peace and Pain11:44 – Is This the End or a Pivot?14:00 – God's Presence in the Process16:45 – When Identity Feels Tied to a Calling20:21 – You're Not in Trouble—You're Being Led23:40 – What I Know Now That I Didn't Then27:10 – A Word for Those Wrestling with ObedienceBe intentional, stay focused, and remember you are more!

Most startup pain doesn't come from product; it comes from people. In this episode, Lisa Novak, Founder of LMNHR, pulls back the curtain on the most common HR and culture mistakes she's seen across high-growth tech companies, and how to fix them before they derail momentum.Lisa explains how fractional HR leadership gives startups access to senior-level expertise without the full-time overhead, and why getting people strategy right early can fuel growth, strengthen culture, and protect revenue. Whether you're hiring your first employee or scaling past 100, this episode offers practical insights you can apply immediately.

join wall-e for today's tech briefing on thursday, january 29th, covering the latest in technology: microsoft & openai partnership: microsoft reports a $7.6 billion boost in net income from its investment in openai, amidst a complex relationship and a new public benefit corporation structure. meta's reality labs losses: meta's ambitious vr journey continues with a $19.1 billion loss for 2025, as ceo mark zuckerberg anticipates continued financial challenges while balancing innovation and profitability. tesla retires model s & x: tesla announces the end of production for its model s sedan and model x suv, shifting focus to autonomous technology and mid-market models like the model 3 and model y. ai security startup outtake: outtake secures $40 million in series b funding, with prominent investors and clients, to combat digital identity fraud using ai technology. mark zuckerberg on ai smart glasses: meta's earnings call highlights future ai wearable plans, with a notable increase in smart glasses sales, alongside moves by tech giants google and apple in the wearable ai market. tune in tomorrow for more tech updates!

Kiera is here with a gift to make your practice even better: The three most common mistakes dental practices make, and guidance on how to get out of them. Is your practice making one of these mistakes? Delegating tasks without ownership Avoiding hard conversations Flying blind on your numbers 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 today is one of my favorite topics of all time. It's how to avoid the pitfalls because I feel like these are costly mistakes that dental practice owners make. We make these costly pitfalls. We go into them. We don't know about them. And you guys, if you know me, I have a mantra and I say, don't lose money. I hate losing money. It's one of my biggest pet peeves and I don't want you to lose money. So I'm excited to talk about it. I hope you guys are excited because...   The reality is like so many people talk about like, success leaves clues and it does, but so does failure. And I I talk about this a lot when I present and when I speak and I say like success and failure are truly not radically different. They're not, they're like small little things. It's like successful practices are consistent. Successful practices put systems in, successful practices look at their KPIs, successful practices have team meetings that are effective. Successful practices have CEO time.   Successful practices have delegation and ownership. Successful practices ⁓ follow through. They look at their case acceptance. They make their re-care calls. They do their reactivation. They do different verbiage. Like that's what they do. Failure practices don't stay consistent. They always have an excuse. They're always blaming. ⁓ They don't check their case acceptance. They don't track their KPIs. They don't look at their numbers. They don't take CEO time. Like these are just little steps. And like with my fingers, if you're just listening, I'm like,   almost like scallops, like if we've got a middle point, success is I checked my KPIs, failure is I didn't check my KPIs. And while that's not like a huge move, it is moving you points away to where you end up either closer to success or closer to failure. And so I think when we realize this, these are the ones, like, how can I help you guys avoid these costs and mistakes? How can I like motivate and inspire you and like, not just motivate, but genuinely change you?   So that way it's not this I like, well, shoot, we're on failure row. Shoot, like, I don't really know about this. Like, I just want to talk about three of the most common mistakes that people make and how do you correct course because you're going to make mistakes. But like if I'm doing the scallops again, successful offices realize like we didn't do the KPIs. So we're going to start doing the KPIs and we don't miss those. We're going to hold the meetings and we don't miss those.   they course correct before they end up in the failure or the success bucket. They're course correcting constantly. And so this is just like where I'm at coaching hundreds and thousands of offices, team members galore, our team, like literally, I feel so blessed that we get to serve so many offices. I just saw like this really awesome highlight reel of all these doctors that came in person and I was watching it with Jason and I look over and Jason's just the sweetest thing. He's tearing up and he said, Kiera.   I knew when you started Dental A Team, it was going to be like, he's like, I never imagined it being what it is today. He said, but all those people's lives, including all of you listening to the podcasts, all of those lives that we've been able to change because of Dental A Team Gosh, that is just such a blessing. It's such a beautiful thing. And I just want to say thank you. Like, thank you for being here. Thank you for being a part of the offices. Thank you for being a part of my Dental A Team podcast family. Thank you for just showing up. Thank you for changing lives through dentistry. Thank you for giving people a gift of confidence. Like,   And for me to be able to give you a gift to make your practice even better, that's what I'm here for. That's what Dental A Team's about. So like we're here to help you recognize patterns. We're here to help you avoid burnout. We're here to help you make small changes before they become giant snowballs. And I think like my thought process has always been I'm here to positively impact the world of dentistry in the greatest way possible. We're here to share this podcast message with every single office out there. We're here to help offices realize like running a successful practice.   does not have to be hard. It can actually be easy. And let's give you the tools, the tips, the resources, all of that to make your life a grand success. So if that sounds great to you, we'll rock on. So step number one, mistake number one that's very costly is delegating tasks without ownership. So like so many offices, hear them like, Kiera, I listened to the podcast and we implemented it, but like it just didn't work out. And I'm like, yeah, cause you delegated it and you didn't have the structure, didn't have the ownership, you didn't have the accountability, you didn't have the metrics. Like, okay.   One of the doctors called this doctor out and they said, this doctor is a walking cheat, like cheat code. Go talk to him, go ask him what he does because he's been able to take his practice for massive success, which is true. When I met them, were doing about 1.5. Now we're clearing five. We're going to be crushing six to seven. And I just like, gosh, the giddiness in me for this office. Like they deserve the sun, the moon, the stars. Like you name it.   They're just such good humans. And so when I think about this, like we're talking, this is a practice that went from like 1.5, 2 million up to this six, $7 million practice now, something I've noticed. And like I said, this doctor is a walking cheat code. They, when we go in and we're like, okay, we're going to roll out this new process. So we're going to do a new process on how we do case acceptance, or we're going do new process on how we do cancellations. They don't just go to the team and be like, all right guys, we're going to do cancellations. They are like, we're going to build an SOP.   we're gonna have a team training, we're gonna have a metric, we're gonna do it for these four weeks. And they don't take a long time to execute on that. So it's like, perfect, we're gonna have this done in the next three weeks. But they execute, it's rolled out, it's like, it's very, very thorough. And this is a practice of a very large team and they all do it consistently. And when something gets off, they just go right back to the SOP, they update the SOP, where was it missed? What do we need to do? Let's do a team training on it. But I will say I've coached hundreds of offices and this is one office that I watch   constantly that is able to delegate, have ownership and be able to have a full team move and stay hyper accountable. So this is just like, you've got to have ownership. You've got to have SOPs. You've got to roll it out to the team, make sure everybody's aware. And then we've got to have the metrics and the check-ins to make sure something's not off. And if it is off, we follow through on it. So people know that when we roll out new processes, they're here to stick. They're not just like a flash in the pan of like, I heard it on a podcast. Let's try it out.   No, it's very, very, very thorough. So a quick check for you is like, go back and look at the last three things that you delegated. Did you assign them? Did you own them? And did you have follow up on it?   crickets. Yeah, yeah, because you did it. Darn it. But you're going to do it in the future. Or maybe you did. And I'm high fiving you. But most of the time, people don't. And this is so costly because then you can't ever be free. You think you're moving. You're taking one step forward, but you're actually taking like 500 steps backwards because nothing's actually getting delegated. Nothing's actually moving forward. And you're only relying on your A plus star players that are building all these ownership accountability pieces. And people are like, but I want everybody to be that way. And I'm like, human nature is not. Tell me how you're doing on your New Year's.   resolutions, probably not great because human nature by default doesn't stay accountable. Why do think I'm in business? because people, they know what they need to do. People are like, Kiera, I pay you to tell me like what to do that you do on the podcast. And it's like, yeah, because human nature is not follow through. Why do I pay a gym trainer? I've got all the resources, I got all the tools. I need somebody to literally hold me accountable to make me show up to work out. So look at the last three tasks. Did you delegate them? Was their ownership?   Did you follow up on them? Did they have a metric? If not, it up, fix that and start to delegate with ownership and accountability. So mistake number two, are you guys ready for this? It's avoiding hard conversations. ⁓ man, that's a crowd drop off. This is so real though, because we don't have like Patrick Lanziani has the five dysfunctions of a team. And if you and your team have not read this, I highly recommend it's a very easy fable. Have it as like some like,   evening reading. It's so fast, it's so easy and it's very, very great. And I think it's a reread. So if you've listened to it in the past or you read it, maybe do a reread. ⁓ But when we don't have trust and vulnerability and then we don't have healthy debate, AKA hard conversations, what happens is like little small issues become cracks and cracks aren't bad. But if cracks stay there, they actually break and then it becomes toxic and then it arose the entire team. So in leadership, we've got to have, let's like,   I coached his office. guys might know him. He's incredible. ⁓ They've got a lot of offices. think I did seven office visits ⁓ in three days. We were hauling booty. And I love this doctor because he pays for me to come in to coach his teams, to teach them how to have uncomfortable conversations, to remind them like this is why we're here. And the more we have just a few of these and we get away from the fear of discomfort.   and wanting to keep the peace, which is actually artificial harmony, we like care, we align and we move forward. And we use the sports analogy on this of, can you just imagine like pick your favorite sports team, basketball, baseball, soccer, I don't care what it is. Can you imagine for one second, like we'll just use basketball for instance, or football. Like if the quarterback or the point guard goes in, like let's do football, because they get thrashed. Like if that quarterback gets thrashed because his defensive line is not protecting for him.   or no one's open because they didn't follow the play, can you just imagine if that quarterback runs off the field and is like, hey coach, could you tell the defensive line to cover for me next time? Like absolutely not. Or if that quarterback is just like, I'm just so angry with my defensive line. Like they didn't block for me. Like, no, can you imagine? Like, no, they call it out. Like you got a freaking block for me. Like we need to win this game. I need this to happen. And they do it in real time because everybody on the team,   is committed to winning and they call each other in real time of their blind spots. Like my brother said, I'll play basketball. I played tennis. You got to call it in the moment. Like my dad is like, you got to call it in real time. You got to say, Hey, I need you to block. I need you to box out for me. I need you to like throw the ball. Like I'm here. Like I need you guys to get open, whatever it is. But like, if we can get a little bit better, that that's our culture rather than a, we sit here pretending to be perfect, but ultimately hating each other.   and hate's probably a strong word, but creating gaps. And so what I encourage is we normalize uncomfortable conversations. We normalize and encourage it. We push on peer to peer accountability. We have each other instead of it being up to the coach, AKA office manager or doctor, to each other, peer to peer, to where we talk about it. We wanna get the W, we wanna win. And so helping your team realize that this is going to be the best way for us to win is to have these hard conversations.   And it's not, I say it's not confrontation. It's just a conversation. Like let's take that hard out of there, but let's say what needs to happen. And so I would say, doctors, one of the worst things you can do to your great players is to tolerate the poor performance of a lower player. ⁓ Because they're watching you. They're watching to see standards are not what you say. They're what you tolerate. And so when you're A plus players are watching, like, well, doctor is going to do this constantly or doctors are not going to care about that. Now team members, can rise up and you can take care of things too.   Doctors, we've also got to make sure that we're encouraging and we're having the hard conversations too. I don't think you know how much I do not enjoy hard conversations, but I know as a leader, as a boss, as a CEO, as a consultant, I have got to have the hard conversations and I'm going to keep having them. They're not easy, but they are my responsibility and I'm going to show up as a good team member because actually that's better than living in artificial harmony. It's so much better. So there's a great quote.   If you want it, your success and happiness, that's my add on your success and happiness are directly proportional to the number of uncomfortable conversations you're willing to have. So if you want to grow, if you want to rise, how many of you look at your KPIs or your numbers like, gosh, freaking schedule is not full. Like, oh, like our profitability, like, but I go to my team meetings and I'm like, great job guys, you're doing great. Why don't we call it out? Hey, profitability is not where it needs to be.   What are our solutions to get it to where it needs to be? I'm not being a jerk. I'm not sitting here sizzling. Hey, our schedule is not up to goal. What are we doing to get that fixed? Let's have a conversation. Let's fix it. Let's normalize that. That's calling out in real time. Hey, our schedule is not to goal. Like what's our solution? How are we going to get there? It's like it's a huddle. It's a genuine huddle. Think about sports players. Like they get together. Like you need to block. I need you to call that person. I need you to do this. You guys need to call that all the hygienists. If you've got downtime, call seven patients, whatever it is. That's how we get the W.   something rude, let's normalize that we are a team. We call each other out. We celebrate when we win. Also like on the flip, like let's go to basketball, let's go to football. When they score a touchdown, the whole team that was just calling each other out of like, I need you to block, I need you to do this. They also go to the end zone and they freaking celebrate. They lift each other up, they're high-fiving. It's both. So let's make sure that we're calling each other out and normalizing that. And we're also celebrating and normalizing that as well. So this is something of, I would just encourage you to have   one honest conversation, and also I'd recommend in your next team meeting, let's have this if that's a standard, put it up in the break room. We normalize hard conversations. We encourage hard conversations. We are a company that does not sit in artificial harmony. Whatever it is, plaster that, build that into your culture. This is something you've got to like, if you guys could see, I'm like boxing out, like I'm pushing the defense. Like you've got to push this through all the way for you guys to get this to be that and to avoid that costly mistake.   All right, mistake number three. This one should come as a no brainer. You guys know I love numbers and numbers love me. It's flying blind on your numbers. So I think that production feeds the ego, profit feeds the family. So when I look at this, so many doctors are like, well, Kiera, I know you say that the numbers are there, but I don't have any money. And I'm like, yes, but making haphazard, crazy decisions because you're not looking at your numbers and you're not using them as a roadmap, you're just   flying by the seat your pants. And so when you look at this, you've got to know like, here's just a, guess, I guess to help you see like, am I flying blind on my numbers or do I maybe know my numbers? Question number one, what's your breakeven number? Now that's twofold. What's the breakeven number on the practice and what's the breakeven number paying you? Two questions, okay? My question is, what is your overhead on your supplies? What percent, what is your current overhead?   What is your debt services taken out of your overhead? What is your EBITDA? What is your net profit? AKA cashflow. Of that profit, are you saving your taxes? Hmm, something to think about. Fascinating, right? That's how you know. And if you can't answer those questions right now.   I know you're probably flying a little blind. Maybe you even just have like a eye patch on. That's okay. Maybe you're only half blind, not all the way blind. Or maybe you're like, Kiera, I'm walking in the dark. I don't even know any of that. don't even know where to find the PNL. It's fine. Wherever you are, you've got to get this dialed. Like I am a sticky broken record. haven't talked to her. Oh man, I'm so excited. She's going to get on podcast with me. And last year we were chatting and she was like, Kiera, like we were debating. Is she going to join consulting? Is she not going to join consulting? And she's like,   I have got to get profitable. And I said, all right, rock on, challenge accepted. We are going to get you profitable. I have been a broken record with this poor doctor for an entire year. It's production, profit, production, profit, production, profit, production, profit. Head down, produce, make sure your team's collecting and make sure we're profitable. That is what we've done all year long. And guess what? Come the end of the year, she's like, Kiera, I have so much money, I got to pay taxes on it. Like we did it.   and she did it in 11 months. So production, profit, production, profit. If you're producing, but you're not collecting and you're not looking at your numbers, you're not going to be profitable. If you're not planning for taxes and you're not saving for taxes, you're not gonna be profitable. If you don't know what your breakeven is on the practice and then what the breakeven is and what it needs to produce with you in there, you can't project this out and you can't forecast it and we can't figure out what your daily goal needs to be. And then you're just producing for the sake of producing for your ego.   Who was that a rank? Could you tell us there? If you like that email me Hello@TheDentalATeam.com. I might rap it. You guys, I used to have a rapper name Skittlez with a Z so I could wrap with Eminem. Tell Eminem I'd love to wrap with him. I've never gotten that far, but you know, Skittlez, Skittlez and Eminem. I don't know why I just told you that. Email me Hello@TheDentalATeam.com. If you think I should be Skittlez and rap it out. I'd love to hear from you. I genuinely love a good pen pal. So write me. But you've got to know your numbers. You have to.   non-negotiable. And this is, think, where accountability as a coach comes into play. I force our clients with our consultants to know their numbers. We call it the yes model. You've got to have your vision. That's the Y. E stands for earnings. You've got to be profitable, non-negotiable, otherwise go be an associate. And S stands for systems and team development. If we know the vision, when we look at the numbers, it's going to tell us the systems and team development we need to do, period. Period. That's the formula. That's all it is. So if you're flying blind on your numbers, like, ugh.   Guys, I'm scratching my head over here. This is stress. If you ever see me fluff my hair, it means I'm stressed, okay? My team has told me they're like, Kiera, what you do is it's a little like side fluff. And right now it's both hands fluff. Like I'm stressed out for you because I used to fly blind on numbers. So many clients flying by on non-numbers. They don't look at it. They've got multi-practices and they don't break it down. You guys, these are costly pitfalls. So remember, go back to the success and failure. They're not radically different. It's failure to look at the numbers.   It's failure to say like, I don't care if you don't know numbers or not, I don't know numbers either. But guess what? Kiera freaking loves numbers and numbers freaking love Kiera. That is how this works. It is, I'm going to force myself to learn this. You guys, on my goal board, I'm not joking you. I should like take pictures of this so you guys can see it. In my bedroom, Jason and I made this like joint goal board. If you guys wanna get your spouse involved in your life, cause you feel like you're just driving and growing without them.   Joint goal board between the two of us has been amazing and it sits in our bedroom. It's not pretty It was built on Canva. It cost me eight bucks. It took us a Sunday to do it together But I literally have this like sign and it says tax expert ahead. I Did not know taxes. I was getting burned every single year I was crying every single December and I was like I am never doing this again I'm going to become a freaking tax expert. I started reading books on it. I called up the CPAs. I started researching it I was like, okay, it's just a formula. Yes, of course. They're like all these ways I can reduce it   But at the end of the day, it's really just a very simple formula. Whatever my profit is, whatever my tax bracket is, I know, yes, yes, yes, yes, yes, this is a very simplified version. CPAs don't come after me right now. It's just truly like, if I can take that, I'm always gonna have a slush and I'm not gonna cry. And I figured it out. And for you, I want you to take it on like, you're gonna learn taxes. You're going to be profitable. I want your goal for 2026, 2027, 2028, 29, 30, 31, 32, 33, forever that you are profitable always.   I have a mantra and I say, Kiera Dent does not lose money. And I want you to be the same way. Always profitability, profitability, profitability, get the production, get the profitability. We got to, and again, the way we increase profit, increase production, increase collections, decrease costs. Those are the three levers. So look at the numbers, get your team bought in. This is a costly mistake that I don't want you to make. So commit that by Friday, you will have a KPI scorecard in place, or you're going to call Dental A Team.   TheDentalATeam.com go on over, email me, hello, book a call, whatever it is, I will help you out, but you are going to learn your numbers. There's no more excuses. It's not that hard. I promise you, our fee will offset the amount of money you are going to make. Most of our clients are like a two to one, eight to one, 10 to one ratio, meaning we are making that much more money. So a 10 to 30 % increase in production, 30 % would be a three to one ratio. Like you guys, it's insanity what we're able to do for offices. I love it. We usually pay for ourselves in the first couple of months.   So it's 100 % worth it. Know your numbers. You just knowing your numbers and tracking and measuring will make you more profitable. So don't be the person that has these costs and mistakes. You gotta take ownership. Like bottom line, the way we had this, mistake number one, delegating tasks and not having ownership. So think back to that. We gotta delegate like that office I told you about. Again, this is a $7 million practice. You wanna be like a $7 million? Do the things today to be the $7 million practice.   You've got to have the hard conversations, normalize that, have that be a part of your culture. And number three is you've got to freaking know those numbers. I love numbers, numbers love me. And if you're not great at this, that's why I've got the podcast. That's why we're here. Reach out, Hello@TheDentalATeam.com. Do not do this alone. Do not spend another minute struggling through these costly pitfalls. You don't deserve it. Your team doesn't deserve it. Your patients don't deserve it. So reach out, it's time. Hello@TheDentalATeam.com. But please commit to yourself that you're going to do this.   You're not failing. You're not clear over the failure bucket. You're just a few little shifts away from it. And again, remember success and failure are not radically different. They're just small little micro steps. You can quickly make those back and get closer to where you actually want to be. It's not huge. It's not hard. It's not all these crazy things. It's small incremental changes that are going to radically change your life. So make the call, make the changes, commit. You're worth it. You deserve it. And as always, I'm cheering you on forever and ever.   I'm here on your team. I'm here in your corner. I'm here in your air pod. Wherever I'm at, just know I'm rooting for you. You deserve it. Let's do this together. Let's have you do this on your own, whatever it's going to be, but commit to not having these costly mistakes be your mistakes. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.  

Shoot us a Text.Episode #1254: GM takes a multibillion-dollar EV hit but says 2026 looks brighter, white-hat hackers cash in by cracking EV chargers and infotainment systems, and the airline industry gets its annual report cardGeneral Motors closed 2025 with a wider quarterly loss after taking billions in EV and China-related charges. But underneath the headline number, core profits held up, cash flowed in North America, and GM is signaling confidence that 2026 will be stronger.GM reported a $3.3B Q4 net loss after booking more than $7B in charges, largely tied to cutting back EV production and restructuring its China joint venture.Adjusted EBIT rose 13% in the quarter, and GM earned $10.5B in North America for the year, resulting in profit-sharing bonuses up to $10,500 for UAW workers.EV losses are projected to improve by $1B–$1.5B in 2026CEO Mary Barra told shareholders the company sees stability ahead: “We expect the U.S. new vehicle market will continue to be resilient… 2026 should be an even better year for GM.”From EV chargers to infotainment systems, the Pwn2Own Automotive 2025 competition exposed how much of the industry is still very hackable.Hackers earned $886,250 uncovering nearly 50 zero-day vulnerabilities in EV chargers, infotainment systems, and automotive softwareInfotainment systems from Kenwood, Sony, and Alpine were successfully exploited, along with chargers from ChargePoint, Autel, Ubiquiti, Phoenix Contact, WolfBox, and Tesla.Tesla Wall Connectors alone accounted for more than $140,000 in payouts, while the overall winning team, Summoning Team, took home $222,250.Notably, no one attempted to hack a Tesla vehicle, despite a car and large cash prizes on the table.If 2025 felt like a rough year to fly, you're not wrong. But turbulence hit everyone. What separated airlines wasn't the chaos—it was execution. The Wall Street Journal's airline scorecard crowns a new winner and reshuffles the pecking order.(Worst → Best): Frontier (T-last), American (T-last), JetBlue (7th), United (6th), Spirit (5th), Alaska (4th), Delta (3rd), Allegiant (2nd), Southwest (1st).Southwest wins for the first time since 2020, ending Delta's four-year streak with strong all-around operations and industry-low complaints.Explaining Southwest's edge, COO Andrew Watterson said the airline avoids the “easy” option when things go sideways: “It's very easy to cancel a flight. That's the path of least resistance.”This episode of the Automotive State of the Union is brought to you by Amazon Autos: Meet customers where tJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Welcome to the DMF! I'm Justin Younts, and today I had the pleasure of speaking with award-winning filmmaker Jaze Bordeaux. In this engaging conversation, we dive deep into Jaze's journey from growing up in the United States to ultimately finding his true home in Canada. He shares his experiences moving through different states, the cultural diversity he encountered along the way, and how those experiences shaped his perspective as a filmmaker.We also discuss the importance of understanding the business side of filmmaking, especially when it comes to financing projects. Jaze emphasizes that every film is essentially a startup, requiring careful planning, clarity, and a solid financial structure. He encourages aspiring filmmakers to take their time developing their stories and to be precise and realistic about their asks when pitching projects.This episode is packed with practical insights and hard-earned wisdom for anyone looking to navigate the complex world of film production. Don't miss these lessons that could save you both time and money on your filmmaking journey.00:00:00 - Introduction and Guest Presentation00:00:42 - Guest's Early Life and Background00:04:03 - Guest's Perception of American and Canadian Mindsets00:06:36 - Guest's Appreciation for North American Diversity00:09:38 - Guest's Entrepreneurial Journey00:14:02 - Guest's Inspiration in Entrepreneurship00:15:16 - Guest's Approach to Financing and Planning00:20:37 - Guest's Learning Experience and Practical Advice00:21:29 - Guest's Insights on Film Production00:22:19 - Advice for Young Filmmakers00:24:22 - Importance of a Clear Pitch00:29:10 - Changes in the Film IndustryCheck out these links:http://jazebordeaux.com/https://www.facebook.com/jazebordeaux/https://www.instagram.com/jazebordeaux/https://www.threads.net/@jazebordeauxhttps://www.tiktok.com/@jazebordeauxhttps://x.com/jazebordeaux

Faithfulness to God is often tested when obedience comes at a cost. Pastor Wesley Welch walks through Daniel 3, highlighting the courage of Shadrach, Meshach, and Abednego to stand firm when pressured to compromise their faith. Their story reminds us that God is worthy of our trust whether He delivers us from the fire or sustains us through it. In a culture that demands conformity, we are called to unwavering allegiance to the one true King.

A bitter end to a fun season for my beloved 49ers at the hands of the Seattle Seahawks. One of our most bitter rivals steamrolled the 49ers 41-6 en route the NFC Championship game. Denver eliminates Buffalo after Josh Allen committed 5 turnovers. Costly win for Denver as they lose Bo Nix for the season with a broken ankle. CJ Stroud throws the Texans out of the playoffs and the Rams had just enough to escape cold and snowy Chicago with a win on Sunday Night. s

The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com

Don't forget to grab your free scripture journal at ⁠⁠⁠PrayingChristianWomen.com/journal ⁠⁠⁠today! What if the "ransom" for your soul is a price so high that no amount of wealth could ever cover it? What if the security you crave can't be found in your bank account, but in a transaction only God could make? In this devotional on Psalm 49, we explore a biblical "riddle" that perfectly foreshadows the redeeming work of Christ. We move beyond the text to discuss the "legal" nature of the spiritual realm and the folly of trusting in riches. Jaime also shares a candid personal reflection on the hidden defenses we often use to avoid facing our true selves. Join host Jaime Hampton on the Praying Christian Women podcast for a session of deep encouragement and honest confession. If you’ve felt stuck in patterns of avoidance or envious of worldly success, this episode offers a fresh perspective on where your true worth lies. Come ready to drop your defenses and accept the freedom of a redeemed life. Discover More: Explore additional episodes of Praying Christian Women, Mindful Christian Prayers, and other Christian podcasts at Lifeaudio.com Check out our new podcast, Christian True-Crime Junkies!, on Apple, Spotify, or anywhere you listen to podcasts! Connect with Us: Stay updated and engage with our community: On Substack @PrayingChristianWomen On Facebook @PrayingChristianWomen On Instagram @PrayingChristianWomen On YouTube: @PrayingChristianWomen Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Remodeling your home should make life easier—but for many homeowners, the overwhelm starts long before construction begins. Between endless choices, unclear priorities, Pinterest overload, and fear of costly mistakes, decision fatigue can take over before a single wall comes down. In this episode, I'm joined by Jen Orr, founder of Studio Red Interior Design and host of the podcast Preparing for Your Home Remodel. Jen specializes in helping homeowners slow down, plan intentionally, and design homes that truly support real life—especially in busy, family-heavy households. We talk about why starting with **function—not finishes—**is the key to a smoother, smarter renovation and how having the right systems in place can save time, money, and stress.

PREVIEW FOR LATER TODAY Guest: Joseph Sternberg. Sternberg discusses the conflict between the White Houseand Federal Reserve Chairman Jerome Powell. While the President correctly argues that high interest rates make federal debt service costly, Sternberg contends that Powell previously compromised the Fed's independence by wading into fiscal policy debates during the 2020 pandemic.1927 FEDERAL RESERVE BOARD

Choosing an Ireland vacation package seems simple enough. You find a deal you like- be it self-drive or guided- and make the purchase. Done. Ireland vacation booked and ready. But it may not be so simple. Airline transfers, car rental, accommodations… they all play a role in the success of your vacation to Ireland. This article is also available as the Traveling in Ireland podcast, episode 324. Use the player below to listen or scroll to continue reading the article and get resource links. Ireland Vacation Packages Explained: What's Included, What's Not, and What Matters Ireland vacation deals are designed to be attractive – but what looks good at first glance may not be the vacation of your dreams. Step 1: Determine what attracted you to the deal Use the tips below to help you avoid Ireland vacation package purchase regret. Vacation packages are often marketed as ‘all or mostly inclusive' – but there are always additional costs. Were you attracted by the price? Cheap Ireland vacations may not be the best deal. You will be able to spot this as you break down the package. Were you attracted by the accommodations? A bit of research into the vacation package will reveal more about your lodging. Were you attracted by the images or description? Dig into the details and see if those places are included in the package or are just ‘suggestions'. Keep in mind what appealed to you as you dig into the deal. Step 2: Check the terms of the vacation package Review what is included in the package- and what is extra. Most vacation package deals show the lowest priced dates. If the dates can be changed how does that afftect the price? How is the vacation package priced? Most are based on 2 people, sharing. If you have a larger group how will you be accommodated (transportation, lodging, etc)? If you are a solo traveler are there extra charges? Be sure to read the terms and conditions! What is the cancellation policy? Might trip insurance be a good idea? (Don't purchase the travel insurance offered with the vacation package without doing your research! Read more about travel insurance for your Ireland vacation here.) Most importantly- who do you contact if you encounter a problem? Step 3: Know where the package will take you Does the package have a set itinerary? Does it take you to places you want to visit? If the package doesn't have an itinerary do you know how to plan what to see and do? (hint: I can help with that!)Free Itineraries – Vacation Coaching Calls – Bespoke Itinerary Creation Step 4: Review your transportation Where do flights depart? Can that be changed and, if so, how does that affect the cost? Can you get to the departure airport without further significant cost? Also note that many packages do not allow accrual of frequent flyer points and that children do not receive a special fare. Is car rental included? If so be aware that in most cases you will have to pay for insurance upon arrival in Ireland. Resource: Car Rental & Driving Guide. Pay close attention to Ireland Car Rental Insurance and Yes You Can Rent a Car if You are Over 70 (if applicable). If your tour is guided check all information on pick up, drop off, and how you will be transported. Also be aware that guided tours do not include a gratuity in the package cost. If your tour includes rail be sure to study a rail map and figure out how you will get from the city hubs into the country to visit the sites you want to see. Read more: Traveling Around Ireland: Trains, Buses, and Automobiles Step 5: Check the accommodations Will you be in a single location or will you be switching accommodation during your trip? Check the drive times to your first night's lodging from the airport and your final night's lodging to the airport. That 2 hour drive may not seem like a lot until you realize your flight from Dublin leaves at 9am and you need to arrive 3 hours prior to boarding to clear all the security points. If the accommodations are set are they near places you want to see and visit? For packages offering hotel stays check hotel ratings. Be sure to see if there is an ‘alternate' hotel in case the first hotel isn't available. (Trip Advisor is a great resource for this). If staying at a luxury property check to see if those great resort activities (like a Hawk Walk, horseback riding, or 5* dinner) are included in your package or if they will carry an additional charge. As you review the vacation package you'll easily see if it is as great a deal as it first appeared or if the tour is the right fit for you. The post Ireland Vacation Packages: How to Tell a Great Deal from a Costly Mistake appeared first on Ireland Family Vacations.

Mayor Brandon Johnson has walked away from a $3 billion-plus plan to undo the city's parking meter deal. Crain's politics reporter Justin Laurence discusses with host Amy Guth.Plus: Cardinal Cupich joins rare rebuke of U.S. foreign policy, Chicago-based Protein Bar acquired by the company that owns Dos Toros and Chopt, River North office building teed up for residential conversion and a report finds Illinois wage gap persists despite transparency efforts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Stop gambling with your book budget! The key to successful and affordable publishing is knowing how to preempt the costly errors that plague new authors. Host Juliet Clark delivers a frank breakdown of the crucial steps you must complete before submitting your manuscript. She reveals the expensive reality of skipping a professional editor who stays through formatting, the strict rules on AI-generated content, and the non-negotiable requirement for high-resolution images with commercial licenses. Learn why securing a cover mock-up, a current professional headshot, and edited endorsements a full three months in advance are vital to a professional and timely launch, reminding authors that the book they submit is the book they get back, so get all your ducks in a row.Love the show? Subscribe, rate, review, and share! https://superbrandpublishing.com/podcast/

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Using your 401(k) for a home down payment may sound like a shortcut to homeownership—but it's a bad idea that could leave buyers worse off. Chris explains why tapping retirement savings won't make housing more affordable and will likely do the opposite by inflating prices even further. As markets begin to cool and home values slowly correct, unlocking trillions in 401(k) capital would pour gasoline on the real estate fire, rewarding sellers and agents while setting buyers back years in retirement savings. It's another well-intentioned policy that misses basic economics—and risks keeping everyday Americans poorer, not better off.

Craig Carton and Chris McMonigle dive deep into the NFL playoff drama, expressing frustration with officiating and rules analysts in the booth. They break down the controversial calls in the Denver-Buffalo game and why Josh Allen's mistakes ultimately cost the Bills their playoff win.

Mitch Dinterman | Christ Community CU

Daniel 6:10-16

Ever faced a moment when you knew the right thing to do, but also knew it would cost you something? This message explores that tension through the story of Nehemiah, a man whose life was comfortable, influential, and secure until he heard a report that broke his heart. From a place of distance and safety, Nehemiah chose to say yes to God's call to step into brokenness he did not create, taking responsibility rather than deflecting it. His yes pulled him out of comfort and into a story much larger than himself. As the story unfolds, we see how Nehemiah's obedience cost him his comfort, his career, and his sense of control. He leaves the security of the Persian palace, risks his position with the king, and steps into uncertainty without guarantees of success. Like Dietrich Bonhoeffer decades later, Nehemiah models a faith that refuses to stay safe when faithfulness requires courage. This is not reckless obedience, but prayer-soaked trust that chooses faithfulness over self-preservation. For most of us, a costly yes won't involve rebuilding a city wall or confronting an empire. It will show up in ordinary places: relationships, work decisions, acts of service, or steps of faith we've been delaying. This message invites us to pray long enough to gain clarity, then place the outcome in God's hands. Because clarity doesn't always come all at once, and certainty rarely comes before obedience. Sometimes your yes is costly. Say yes anyway—because every costly yes we give flows from the costly yes Jesus already gave.

Mike Tomlin resigned this week after nearly 20 years with the Steelers. We're talking about his coaching legacy, what went wrong, and what's next for his career and the franchise. Plus, host Megan Harris and producer Sophia Lo are chatting about the PA Farm Show's butter sculpture, super flu, "The Pitt" at the Golden Globes, a new weekend newspaper, space news, and a very strange case of stolen human remains. Know what happened with the James Street remodel? Call us on our JAMES STREET HOTLINE at 412-212-8893. Notes and references from today's show: PHOTOS: 35th annual Pennsylvania Farm Show Butter Sculpture [WPXI] Who will be the Steelers' next head coach? Possible candidates to replace Mike Tomlin [The Athletic] What to know about the "super flu" in Western Pa. [Axios Pittsburgh] Kindergarten vaccination rates at many Pittsburgh-area schools are below herd immunity [WESA] Park House Is Once Again Packing ‘Em in on the North Side [Pittsburgh Magazine] A Farewell to Hem's: Hemingway's Cafe in Oakland is Closing After 43 Years [Pittsburgh Magazine] ‘The Pitt' Wins Two Golden Globes [Pittsburgh Magazine] Trib expands to fill Pittsburgh's newspaper void [TribLive] More than 40 news sources remain in Pittsburgh's fragmented media landscape [Public Source] ‘Which bone goes with which person?': Costly investigation follows Pa. cemetery thefts [PennLive] Astrobotic secures $17.5M from NASA to test and expand reusable rockets [Technical.ly] PODCAST: Meteor Showers, Moon Launches & Pgh Among the Stars [City Cast Pittsburgh] Learn more about the sponsors of this January 16th episode: AIDS Free Pittsburgh PA Preferred P3R Special Olympics Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news? Sign up for our daily morning newsletter. We're also on Instagram @CityCastPgh! Interested in advertising with City Cast? Find more info here. 

Luke 14:25-33

Bobby and Eddie start by revisiting their weird Spurs game experience—where they somehow ended up in the middle of a bunch of kids high-fiving players, and it turned into one of those “how did we get here?” moments that still makes them laugh. Then they get into a real debate about the best athlete they’ve ever seen in person, and what stood out when you’re actually in the building versus watching on TV. Plus, Bobby tells the story about the time he was almost fired from his job and what led to it. And Eddie is still mad about his costly Disneyland dinner with “The Beast,” including what it set him back, what he thought he was paying for, and why he’s refusing to let it go. Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA).21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @25WhistlesSports Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @BrandonRayMusicSee omnystudio.com/listener for privacy information.

Bobby and Eddie start by revisiting their weird Spurs game experience—where they somehow ended up in the middle of a bunch of kids high-fiving players, and it turned into one of those “how did we get here?” moments that still makes them laugh. Then they get into a real debate about the best athlete they’ve ever seen in person, and what stood out when you’re actually in the building versus watching on TV. Plus, Bobby tells the story about the time he was almost fired from his job and what led to it. And Eddie is still mad about his costly Disneyland dinner with “The Beast,” including what it set him back, what he thought he was paying for, and why he’s refusing to let it go. Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA).21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @25WhistlesSports Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @BrandonRayMusicSee omnystudio.com/listener for privacy information.

Most RVers are doing it wrong. They're tripping breakers, wasting propane, and turning out mediocre meals because nobody ever taught them how to actually use their RV kitchen.In this week's conversation, RV Kitchen Expert Evada Cooper cuts through the confusion and delivers the insider knowledge you need. Discover which appliances are actually worth upgrading (and which ones are just marketing hype), learn the proven techniques for cooking restaurant-quality meals in your rig, and finally understand how to manage your electrical system so you can cook without constantly resetting breakers.The game-changer? Evada breaks down exactly why your convection oven is the secret weapon you've been ignoring, and shows you step-by-step how to master it. This isn't theory: it's practical knowledge from someone who's cooked thousands of meals on the road and knows what actually works.Whether you're tired of eating out, frustrated with your current setup, or just want to expand your mobile cooking skills, this episode delivers real solutions. Stop settling for campground cuisine and start enjoying the meals you deserve.Key Topics:The appliance upgrades that actually matterElectrical management strategies for serious cookingConvection oven mastery: techniques and timingCommon RV kitchen mistakes and how to avoid themGourmet meal planning for limited spacePerfect for both new RVers setting up their first kitchen and veterans ready to level up their cooking game.

Climate-driven shocks are rippling across sectors, from rising insurance premiums to lower property prices and tax revenue. With the costs of severe weather rising, Moody's experts share their insights into key themes and possible solutions. Learn more at https://www.moodys.com/outlooks Explore our outlook: https://www.moodys.com/web/en/us/insights/credit-risk/outlooks/global-sustainable-finance.html Want to know more on the sustainable finance trends in 2026? Join us:EMEA/US: https://events.moodys.com/2026-mie26362-sustainable-finance-outlook-emea-usaAPAC: https://events.moodys.com/2026-mip26493-sustainable-finance-outlook-apac Host: Chandra Ghosal, Vice President, Senior Credit Officer, Moody's Ratings Guests: Jennifer Chang, Vice President, Senior Credit Officer, Moody's Ratings; Sarah Hibler, Associate Managing Director, Moody's Ratings Related Research: Sustainable Finance – Global – 2026 Outlook – Transition shifts, extreme weather and AI boom drive credit risks 13 Jan 2026Emerging economies are most exposed to the credit effects of severe weather 30 Oct 2025US Public Finance – Florida – Miami Cat-5 storm would test economy and insurance market even with federal aid 24 Sep 2025Environmental Risk – Global – Adaptation can support credit strength, but faces race to keep up with climate risks 22 Sept 2025 © 2025 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For the latest Evelyn O'Rourke our Arts and Media Correspondent

Across parts of Appalachia, some people don't trust their water, or their water isn't safe to drink. So they turn to bottled water, even for cooking in some cases. But as a recent study points out, this is costing low-income families a lot of money, as Roxy Todd reports.

How should multifamily deals really be underwritten in 2026?In this live LSCRE podcast, we break down how we are underwriting multifamily real estate today and the critical mistakes investors and sponsors don't realize until years 3–5.This episode covers real-world underwriting decisions we're making right now, including:Why underwriting mistakes don't show up in year oneCash flow vs IRR (and how cash flow can be manipulated)The hidden risk of in-the-money interest rate capsHow location repricing is changing acquisitionsTrue rents, fees, and concessions (what most people miss)Why most “value-add” deals don't work in today's marketLoaded ICR vs DSCR and how we evaluate debt riskWhat real multifamily distress actually looks likeHow LSCRE is positioning acquisitions for long-term cash flowWe also answer live investor questions and explain how these principles apply to a real multifamily acquisition we just closed.Learn more about LSCRE:www.lscre.com

What happens to the house in a divorce? For many homeowners, divorce and real estate collide in painful and expensive ways. The home is often the biggest asset, the biggest debt, and the most emotionally charged part of the divorce process — and it's where people make the most costly mistakes. In this episode of State 48 Homeowner, host Scott Kooiman of Klaus Team Real Estate Solutions sits down with family law attorney Marco Brown, founder of Brown Family Law, to explain what homeowners need to understand about divorce and your house — before emotions and assumptions lead to years of financial fallout. We break down: What really happens to the house in a divorce Common misconceptions about keeping the house after divorce How Arizona community property law treats the marital home Divorce housing options: selling the home, one spouse keeping it, or deferred sale How equity, debt, and property division are handled Why co-ownership, nesting, and "we'll figure it out later" usually fail What happens when one spouse refuses to cooperate or move out Court-ordered home sales and forced resolutions Why walking away emotionally before finances are settled is dangerous You'll also hear a critical mortgage and lending reality check from Steve Farrington of Unity Home Loans, explaining: How divorce affects mortgage qualification Debt-to-income ratio issues during divorce Using spousal support as qualifying income Refinancing after divorce — and what happens when rates are higher Credit risks when you're still tied to the mortgage How missed payments impact both spouses How to protect yourself financially during a divorce Before you make a decision — especially in a moment of stress — it's critical to talk to professionals who understand how family law, divorce mortgages, and real estate intersect. This episode is part of our "When Things Go Wrong" series, covering what happens to your home during divorce, death, disability, and major life transitions — so homeowners can make informed, confident decisions when it matters most.

A new report declares 2025 as one of the costliest years when it comes to climate disasters. Environmental groups are cautiously optimistic about the environmental commitments for the proposed Everett Soccer Stadium. And will YOU add shellfish harvested from Boston Harbor to your dinner table? It's our environmental news roundtable!

Send us a textA bright dashboard can feel like certainty, but certainty is often the first illusion. We sit down with Dr. Mike Orkin, a seasoned statistician who has advised casinos and Fortune 100 leaders, to explore why smart people make bad calls when the numbers look right—and how to prevent it. From margin of error to the myth of tidy causation, Mike breaks down the difference between patterns worth acting on and patterns that will quietly burn your budget.We dig into classic misreads—like soda sales “causing” polio or alcohol “causing” lung cancer—and show how hidden variables twist decisions. Then we step onto the casino floor to see probability without the storytelling: independent trials, house edge, and why betting limits protect profits. If you've ever heard of positive expected value, you'll hear why it still fails without disciplined sizing, and how the Kelly criterion turns winning odds into sustainable advantage. Along the way, we tackle lotteries, survivor bias, and the uncomfortable truth that winners often emerge because enough people played, not because someone discovered a secret.AI enters as both accelerant and trap. Large language models thrive on correlation and can hallucinate when the evidence runs dry. Mike shares practical guardrails for using AI in places like engineering and support—pairing models with domain expertise, testing for failure modes, and resisting the lure of overconfidence. We also zoom out to a leader's mental model: when to think deterministically, when to think probabilistically, and how to blend data with context, incentives, and human will.If you're steering strategy, allocating capital, or building with AI, this conversation offers a clear checklist: respect uncertainty, size your bets, interrogate correlations, and hire experts who can “think with other people's brains.” Subscribe, share with a data-loving friend, and leave a review with one insight you'll apply this quarter.Thanks for tuning in to this episode of Follow The Brand! We hope you enjoyed learning about the latest trends and strategies in Personal Branding, Business and Career Development, Financial Empowerment, Technology Innovation, and Executive Presence. To keep up with the latest insights and updates, visit 5starbdm.com. And don't miss Grant McGaugh's new book, First Light — a powerful guide to igniting your purpose and building a BRAVE brand that stands out in a changing world. - https://5starbdm.com/brave-masterclass/ See you next time on Follow The Brand!

When life feels tight and strength is low, obedience can feel risky or even foolish.In this message from 2 Kings 3, we explore why we hold back from God, and how grace invites deeper trust when we're running on empty.

How do we obey even when it's an example?Reading Plan: Worship - Psalm 6Wisdom - Proverbs 1:28-30Witness - Genesis 21-23Visit https://www.revivalfromthebible.com/ for more information.

The new year is the right time to take a clear look at how taxes, required withdrawals, and income decisions can quietly shape the rest of your retirement. In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through the most common tax and planning issues retirees and near-retirees face—and why understanding them early can help you avoid unnecessary taxes, missed opportunities, and future stress. In this conversation, you'll hear about: How required withdrawals work later in retirement—and why misunderstanding them can create avoidable tax pressure Why the timing of tax decisions matters more than most people realize How portfolio changes can unintentionally trigger taxes if handled without a plan Ways charitable giving fits into an overall income and tax strategy The difference between decisions that must be made during the year and those that can be adjusted later What information your CPA and planning team actually need to help you make better decisions If you're within 5–10 years of retirement, or already retired, this episode provides clarity on how taxes, income, and planning decisions work together—and where many retirees unknowingly go wrong. Learn more: DeckerRetirementPlanning.com Schedule a conversation: 833-707-3030 This content is for informational purposes only and is not tax or legal advice. Investing involves risk, including the potential loss of principal.

there's a reason scripture says to FLEE from the enemy. He's sneaky, he's a snake but he isn't dumb. He watches and sees how you react to circumstances and situations and if he's lucky he'll see how he can trigger you, how he can get you to slip up. You don't just FALL into sin you linger, it trickles, then ripples, then snowballs, and then catastrophe occurs. That's why instead of "bouncing" just once alongside his schemes its best to FLEE automatically, it can't be flirted with, you don't have it "under control" your will power will begin to NOT be enough. Thats where he wants you and thats where he'll get you IF you allow it!

Ash interviews Michael Cobb, exploring how Michael built an international real estate, lending, and development platform across Central and South America by identifying gaps in foreign buyer financing and leaning heavily into community-centric development. Michael shares why legal systems, zoning assumptions, and cultural norms differ dramatically outside the U.S., and how misunderstanding those nuances can derail overseas investments. He also explains his long-term strategy of creating purpose-built expat communities using New Urbanist design principles, why branded resort residences in markets like Belize sit in a “sweet spot” for appreciation, and how thoughtful diversification outside the U.S. can strengthen both lifestyle and portfolio outcomes. Michael CobbCurrent role: Founder and CEO, ECI DevelopmentBased in: Belize / United StatesSay hi to them at: https://ecidevelopment.com Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIf you've found yourself thinking, “We really need to communicate better,”but you also feel a quiet tightening inside when you say that…this one is for you.Most couples don't stop talking because they don't care.They stop because talking started to feel costly.Costly emotionally — it leads to reactions that stir more feelings.Costly energetically — you walk away drained, with nothing resolved.Costly relationally — it feels like every attempt pushes you further apart.So avoidance slowly becomes protection.And over time, that protection turns into distance.This week's podcast episode is an invitation to start again —not by pushing harder or having a big talk —but by making communication simpler and safer.

If you haven't filed for divorce yet but you're spiraling, crying, rage-texting, and panic Googling how to leave your spouse...this episode is your pre-divorce game plan. Andrea walks you through the “invisible work” that protects you before you file: creating a private email, organizing finances, understanding monthly expenses, regulating emotions, interviewing attorneys strategically, protecting kids from adult stress, and avoiding common mistakes that can cost you money (and peace).This is not about being sneaky—it's about being smart.Key Topics CoveredWhat to do before you file for divorceHow to create a private email and start organizing information safelyThe pre-divorce financial lists you need (accounts, debts, passwords, credit score)Why tracking monthly expenses now saves you later (hello, financial affidavits)How to stay emotionally neutral and avoid the “high-high / low-low” spiralHow to interview attorneys and choose the right “business partner”What NOT to do before filing (spending changes, threats, escalating conflict)How to protect your kids (routines, boundaries, therapy support)Bonus: writing down your “why” and what you want on the other sidePractical Pre-Divorce Action Steps (Checklist)Do these before you file:Create a new private email address (separate from anything your spouse can access).Start a Google Doc/Sheet to track:All known accounts (banking, retirement, investments, credit cards, loans)Unknowns you need to identify (accounts you suspect exist, balances you don't know)Passwords/access issuesPull your credit score and document it.List all monthly expenses (mortgage/rent, utilities, insurance, subscriptions, kids' expenses, activities, childcare).Interview at least 3 attorneys before hiring—choose strategy, not vibes.Keep household routines stable (especially if you have kids).Don't threaten, don't escalate, and don't make sudden spending changes.Get a hobby/outlet (something healthy + consistent).Consider lining up a therapist for your kids if you expect the process to hit them hard.

Want to quit your job and build a real land investing business?

In this episode of "The D.O. Show," host Dustin Owen—drawing on his two decades of expertise in the financial and mortgage industries—dives deep into the often misunderstood world of insurance. With his signature "321 format," Dustin breaks down the essentials of disability, term life, and whole life insurance, making complex topics accessible for listeners at every stage of their financial journey. Dustin kicks off the episode by answering real audience questions, addressing common concerns such as: "Do I really need disability insurance if I'm young and healthy?", "How much term life coverage is enough for my family?", and "Is whole life insurance a smart investment or just a sales pitch?" He then transitions into a discussion of recent headlines and trends in the insurance industry, highlighting regulatory changes, new product offerings, and shifts in consumer behavior that could impact listeners' decisions. Throughout the episode, Dustin offers an in-depth perspective on whole life insurance, explaining how it differs from term life, the mechanics of cash value accumulation, and the scenarios where it might make sense—or not—for different individuals. He emphasizes the importance of understanding the true purpose of each insurance product, dispelling myths such as "insurance is only for the wealthy" or "whole life is always a bad deal." Dustin also shares real-life stories from his career, illustrating how proper insurance planning has protected families and individuals during unexpected life events. Importantly, Dustin stresses that insurance should be viewed as a foundational element of a sound financial plan—not as an exciting investment or a way to chase returns. He encourages listeners to approach insurance decisions thoughtfully, focusing on protecting their income, loved ones, and long-term financial stability. By the end of the episode, listeners will have a clearer understanding of how disability, term life, and whole life insurance work, why they matter, and how to evaluate their own coverage needs. Dustin's practical advice and candid insights empower the audience to make informed, confident decisions about their insurance, ensuring they're prepared for whatever life may bring.

THE ATOMIC BOMB AND POST-WAR LEADERSHIP Colleague Craig Symonds. Nimitz and King believed a naval blockade could force Japan's surrender without a costly invasion, which they feared would result in millions of deaths. Nimitz was informed early about the atomic bomb to ensure it wouldn't interfere with operations. After the war, despite resistance from the aviation community and Secretary Forrestal, Nimitz served a two-year term as Chief of Naval Operations. Spruance, denied a fifth star in favor of Halsey, took the high road by leading the Naval War College, ensuring future officers learned from the Pacific war's lessons. NUMBER 8 1945 OKINAWA TEN YEAR OLD SURRENDERS WITH WHITE FLAG

Transferable Concept #5: Teach them to live GRACE FILLED livesA theology of grace1. It's the unmerited and unconditional FAVOR of God toward us - 1 Jn 4:192. It's free to us, but COSTLY to God -1 Cr 6:19-203. The CROSS is God's greatest act of grace -Ro 5:84. SALVATION is a free gift from God -Ro 6:235. It must be received by FAITH -Ep 2:8-96. It produces GRATITUDE toward God and love toward others -Ti 2:11-127. Old Testament roots: Gn 3:21, 6:88. Biblical profiles: David, Peter9. New Testament command: Jn 3:16-18, Ep 2:8-9, 1 Pt 1:13Teach them that failure is never final1. Encourage them to MEDITATE on the lives of David and Peter, a murderer, adulterer, and betrayer among God's most beloved and mightily used servants2. Help them remove the power of the SECRECY and condemnation by practicing repentance and confession with some mature believers you can trust3. Teach them to REFUSE a "performance-orientation" with God; the relationship is always grace-orientation.Life message: You were created to RECEIVE grace and to give grace!Broadcast ResourceDownload Free MP3Message NotesYear End MatchDouble Your Gift TodayMinistry ReportAdditional ResourcesChristmas GiftsConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

Transferable Concept #5: Teach them to live GRACE FILLED livesA theology of grace1. It's the unmerited and unconditional FAVOR of God toward us - 1 Jn 4:192. It's free to us, but COSTLY to God -1 Cr 6:19-203. The CROSS is God's greatest act of grace -Ro 5:84. SALVATION is a free gift from God -Ro 6:235. It must be received by FAITH -Ep 2:8-96. It produces GRATITUDE toward God and love toward others -Ti 2:11-127. Old Testament roots: Gn 3:21, 6:88. Biblical profiles: David, Peter9. New Testament command: Jn 3:16-18, Ep 2:8-9, 1 Pt 1:13Teach them that failure is never final1. Encourage them to MEDITATE on the lives of David and Peter, a murderer, adulterer, and betrayer among God's most beloved and mightily used servants2. Help them remove the power of the SECRECY and condemnation by practicing repentance and confession with some mature believers you can trust3. Teach them to REFUSE a "performance-orientation" with God; the relationship is always grace-orientation.Life message: You were created to RECEIVE grace and to give grace!Broadcast ResourceDownload Free MP3Message NotesYear End MatchDouble Your Gift TodayMinistry ReportAdditional ResourcesChristmas GiftsConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003