Podcasts about Costly

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.

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

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

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

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

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

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

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

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

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

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

Sunday, November 9, 2025

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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