Podcasts about debit

In this first episode of Mastering the Hidden Margin, a special series on Build Better Work, host Tony Pericle pulls back the curtain on SPAs—special pricing authorizations and agreements, also known as deviations, chargebacks, ship-and-debit, and invoice verification. He's joined by industry veterans Scott Sinning and Cara DeGraff, who bring decades of experience across electrical distribution, medical supply, high tech, and enterprise rebate/pricing solutions. Together, they trace how SPA programs emerged from messy manual workarounds into one of the most important—and misunderstood—margin levers in distribution.Tony, Scott, and Cara also share their experience to describe what “good” SPA management actually looks like. They explore how digitization, data synchronization, and better analytics can reduce leakage, shrink reconciliation backlogs, and free sales teams from spreadsheet purgatory. If you're responsible for pricing, margin, or channel strategy in a distributor or manufacturer, this episode will give you the language, stories, and mental models you need to start mastering your hidden margin.Time Stamps:0:00 - Intro2:25 - Guests and SPA Highlights10:49 - Problems SPAs Solve16:24 - What is Invoice Verification17:05 - SPAs = Competitive Advantage18:33 - Magnitude of SPAs20:30 - SPAs as a Manufacturer24:31 - Bring Data to the Conversation26:21 - Charge Backs and Price Masking29:23 - Synchronized Data35:50 - ClosingGuests:Tony | tony@profitoptics.com: Tony Pericle is the founder of ProfitOptics and one of the most innovative minds in the distribution industry. With over 30 years of experience—from frontline sales to leading AI-powered transformations—he's helped major distributors unlock hidden margin, optimize operations, and scale pricing strategies. Cara | linkedin.com/in/caradegraff: Cara DeGraff is a VP of Production Management at Vistex and leads a global team that manages all aspects of product management and product education. Since joining Vistex in 2007, Cara welcomes the challenge of solving companies' problems and optimizing their processes through Vistex solutions. Prior to Vistex, Cara worked for both manufacturers and distributors with SAP as their ERP, and across a variety of industries managing and implementing a myriad of business processes.Scott | scott@pricingfordistributors.com: Scott Sinning founded Pricing For Distributors in 2022 after a 30-year career in wholesale distribution with Graybar Electric. As former VP of Pricing Strategy, he knows about the margin challenges and opportunities faced by distributors. His career also included lead roles on ERP and pricing software projects where he learned how to drive successful change at scale.ABOUT BUILD BETTER WORK PODCAST Build Better Work by ProfitOptics is a podcast about the power of technology to transform work and lives with our host Greg Stivers. The show is produced by ProfitOptics, a technology consulting firm that builds software and engineers data solutions to drive business performance for mid-size and enterprise companies. CONNECT WITH PROFITOPTICS ProfitOptics.com Follow us on LinkedIn

To start the new year, Jack is joined by Brandon and Angelo because Steven was unable to make it this time (sad face). The guys talked about a plethora of different irrelevant topics, some of which being: Jack getting robbed by Uber Eats, Trump's New Year's resolutions, Debit vs. Credit Cards, raisins being absolutely fire, Bitcoin and the amount of money people lost by withdrawing too early, and 67... yes, the guys also talked about 67, mainly to point out that the 21 meme was better. Happy New Year!

  In this episode, Tyler Seydel, the Chief Fintech Officer of Sunrise Banks talks about how the bank launched debit rewards cards, a type of card many thought was impossible after the Durbin Amendment. He discusses at the economics of its new rewards cards and what they tell us about how banks can innovate in the card space.  He also discusses how debit rewards cards fit the mission of a community development bank, how mid-sized banks can use their size to work with big partners, and what principles banks need to keep in mind as they strategize for the future.  As Tyler mentions in the show, the IPA will be holding our 2026 Innovative Payments Conference, happening in Washington DC, April 29 through May 1. We will be discussing the future of payments and how it will be shaped by regulation with leaders from both the industry and the regulators. Early registration is now open: Innovative Payments Conference.  This podcast was recorded on December 12, 2025. Things may have changed by the time you hear it.    

Adam, Greg & Myles have a chat this week, and we do touch on the misery that was the game last Sunday.Luckily we stalk about some other stuff, from ranking our top 5 Titans WRs of all time (with prejudice), to discovering that one of us has never seen Home Alone, and plenty more in between.

The holidays are meant to be a season of joy, generosity, and gratitude. Yet for many families, the celebrations come with a heavy dose of financial stress—stress that lingers long after the decorations are packed away. Our desire to bless others often leads to spending more than we planned. But it doesn't have to be that way.Recently, we sat down with Neile Simon, Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, to talk about how families can give meaningfully, stay within their means, and refocus on what Christmas is truly about.Creating a Realistic Holiday PlanMost people enter the holiday season with the best of intentions. We want to show love, bless others, and create special memories. But somewhere along the way, those intentions can derail.Neile explains that a mix of cultural pressures makes overspending almost effortless: holiday sales, credit card offers at checkout, “buy now, pay later” deals, and social media's endless highlight reels. Before long, the drive to be generous morphs into the belief that we must spend more to prove how much we care.And the consequences last far beyond December—financial stress, increased debt, and a January filled with regret rather than joy. The good news: overspending isn't inevitable. Neile suggests starting early and planning intentionally.1. Decide what you can truly afford. Account for all holiday expenses—gifts, food, travel, entertainment, and even small traditions that add up.2. Set a total spending limit. Let this number guide every decision throughout the season.3. Use cash or debit when possible. “When the money's gone, you're done—and that's okay,” Neile says. This simple boundary protects you from impulse spending.4. If using credit cards, treat them as tools—not the enemy. Used wisely, they can help you track your spending. The key is to stay disciplined and avoid taking on debt you can't comfortably repay.Ultimately, a budget is not a restriction—it's a path to freedom. It helps you enjoy the season without dreading the bill that arrives in January.Meaningful Giving Without OverspendingGenerosity isn't measured by price tags. In fact, the most meaningful gifts are often the simplest.Neile encourages families to focus on personal, relational giving:Handwritten notesHomemade treatsShared experiencesThoughtful, small gifts with clear intentionHer own family keeps gift-giving fun by setting spending limits and doing a white-elephant exchange. “It takes the pressure off,” she says, “and turns gift-giving into shared laughter and memory-making.”When togetherness becomes the priority over possessions, Christmas becomes both more joyful and more affordable.If You're Already in Debt, There's HopeFor families already carrying debt, Christmas can feel like a tug-of-war between generosity and financial reality. Neile offers this encouragement: give within your means—even if it means scaling back.Why? Because responsible giving protects your finances, your peace, and your future.“Think of it this way,” Neile says. “A relaxed, stress-free January is far better than stressing out after overspending in December.”Scaling back isn't failure—it's stewardship. And it models wisdom and faithfulness for your children.Refocusing on the True Meaning of ChristmasAmid the lights, the gifts, and the traditions, it's easy to lose sight of the heart of Christmas.“Christmas is a celebration of Jesus—the greatest gift ever given,” Neile reminds us. When our hearts are centered on Him, love and grace become the focus. Giving within our means allows us to celebrate joyfully, gratefully, and peacefully.And when we spend with purpose—anchored in Christ rather than consumerism—we experience a kind of joy that lasts long after the season ends.Need Help With Debt?If financial stress is weighing you down, Christian Credit Counselors can help. As a nonprofit ministry, they specialize in debt management—not debt consolidation—working directly with your creditors to lower interest rates and help clear the path toward freedom.Learn more at: ChristianCreditCounselors.org/Faith. On Today's Program, Rob Answers Listener Questions:I'm an 84-year-old retired veteran, and my wife is 81. We have a $375,000 mortgage on a $3.2–$3.4 million home, a $140,000 portfolio, a 529 with $55,000, about $100,000 in gold jewelry, $40,000 in Social Security benefits, and $15,000 in credit card debt. We're running out of money and need to tap our home equity. The VA offered a $400,000 loan, but would a HELOC or a reverse mortgage be better? Who can help us make the right decision?We're receiving a $60,000 inheritance and have $10,000 in credit card debt. Should we use some of the inheritance to pay it off, and what should we do with the rest? My husband is disabled, and we're in our 60s—so is investing any of it in the stock market wise? And should we tithe on the inheritance?I'm 65, still working full-time as a caregiver, and have about $900,000 in my 401(k). When should I start Social Security—now or when I retire in May 2026? And how do I know if I have enough saved for retirement, since I'm debt-free and have fairly basic expenses?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In order to ensure that debit order obligations are fulfilled, many banks pre-emptively bring forward their debit order dates to align with earlier paydays, but is this all above board or can one deny them such requests? Lester Kiewit speaks to our resident consumer expert Wendy Knowler. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i 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/@CapeTalk567See omnystudio.com/listener for privacy information.

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The best gift you can give yourself this season might not come wrapped in paper or tied with a bow.The holiday season—from Thanksgiving through Christmas—can be one of the most joyful times of the year, but also one of the most stressful, especially when money's tight. What if you could celebrate the whole season without the financial regret that debt brings? The good news is—you can. With a few simple steps, you can enjoy the season, bless others, and keep peace in your heart and home.Start With a Spending PlanFrom the turkey to the tinsel, the holidays bring both delight and pressure. We want to give, to gather, and to make memories. But if we're not careful, the bills that follow can overshadow the joy.Begin by setting a total spending limit. Start with what you can afford, not what you wish you could. That number becomes your guardrail for the season. You're not being stingy—you're being wise. Every dollar you keep out of debt stays available for future generosity.Next, divide that total into categories—food, travel, gifts, decorations, charitable giving—whatever matters most to your family. Writing it down makes the plan tangible and easier to follow.If you're hosting Thanksgiving dinner, include the cost of groceries. If you're traveling, plan for gas or airfare now so you're not caught off guard later.Pay With Cash or DebitStudies show we spend about 30% more when paying with credit. Whenever possible, pay with cash or a debit card. If you must use a credit card, set a firm limit and stick to it.Some families even open a separate account just for holiday spending. It creates a natural boundary and helps avoid impulse purchases. There's real freedom in knowing you've already decided what's enough.Get Creative With GivingWhether it's hosting Thanksgiving dinner or wrapping Christmas gifts, remember—it's not about the price tag. A handwritten note, a framed photo, or a homemade pie can carry far more meaning than something store-bought.Acts 20:35 reminds us, “It is more blessed to give than to receive.” That blessing isn't about the cost—it's about the heart.If your children are old enough, invite them to help bake cookies for neighbors or make handmade gifts for grandparents. These shared experiences create memories that last far longer than the presents themselves.You can also use what you already have—redeem unused reward points or gift cards. It's one more way to keep spending within your means.Plan Ahead for Next YearWhen January rolls around, start setting aside a little each month for the next holiday season. Even $50 a paycheck can make a big difference. By next November, you'll be ready to give and celebrate without anxiety.If you prefer automation, set up a small transfer to a dedicated savings account. You'll hardly notice it leaving your budget—but you'll be grateful when the holidays return.Partner With a Faith-Based Financial InstitutionIf you're looking for a trusted place to save, consider our friends at Christian Community Credit Union (CCCU)—a financial institution that's been serving believers and ministries for over 68 years.They share your faith and are committed to helping you manage money in a way that honors God. Their savings accounts, digital tools, and personalized service can help you stay on track during the busiest time of the year.Right now, as a special offer to FaithFi listeners, you can receive up to a $400 bonus when you open a high-yield checking, savings, or Visa cash-back card. Visit FaithFi.com/Banking and enter the code “FaithFi” when you apply.Keep Your Focus on What Matters MostAs you prepare for Thanksgiving, take a moment to thank God for His provision. Gratitude is where wise stewardship begins. And as Christmas draws near, let your giving reflect the joy of God's greatest gift—His Son, Jesus Christ.When we give with grateful hearts and live with margin, we reflect His generosity to the world around us. Ultimately, this creates space for what matters most: faith, family, gratitude, and the celebration of Christ's birth.Even when finances feel tight, remember—lasting peace isn't found in numbers or careful planning, but in resting on God's faithful provision. That is the heart of faithful stewardship: learning to live not from scarcity, but from trust in the One who provides abundantly.And when you do, you'll find a joy that lasts long after the holidays are over.On Today's Program, Rob Answers Listener Questions:I've been on and off Social Security disability after a head injury, but was later able to return to work. They kept sending me payments even after I notified them I was earning more than allowed. Now that my cancer has returned and I may need to stop working again, how should I handle this with Social Security? Should I visit their office in person to get it sorted out?My wife and I own our home outright, but have built up significant credit card debt over the past few years. We're debating whether to take out a home equity loan or a reverse mortgage to get back on track. Which option would you recommend?We're selling our home and deciding whether to use all the proceeds to buy our next house or invest some of them in our retirement accounts to increase our monthly income. Which choice makes the most financial sense?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From driverless rides at airports to a surprising debit-card comeback and a major consolidation at Tripadvisor, today's travel headlines cover innovation, reinvention, and strategy shifts shaping the industry. Sarah Dandashy breaks down Waymo's growing footprint in mobility, United's push to reach younger travelers, and Tripadvisor's move to merge with Viator amid investor pressure. Articles Referenced: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Self-Driving Cars' Hazy Travel Proposition Gets Clearer United Airlines to Launch Its Own Debit Card Tripadvisor and Viator to Merge Operations, Layoffs Imminent: Scoop Honorable Mention: ⁠⁠⁠⁠⁠Good Morning Hospitality, A Skift Podcast⁠⁠⁠⁠⁠ Honorable Mention: ⁠⁠⁠⁠⁠@AskAConcierge on IG⁠⁠⁠⁠⁠ Connect with Skift LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/skift/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WhatsApp: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://whatsapp.com/channel/0029VaAL375LikgIXmNPYQ0L/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://facebook.com/skiftnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/skiftnews/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.threads.net/@skiftnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bluesky: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bsky.app/profile/skiftnews.bsky.social⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/skift⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@SkiftNews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss an update from the travel industry.

Sharesies is launching its own debit card today and promising the new product will be a change from traditional card reward programmes. The micro-trading platform says the Sharesies Debit Mastercard will earn customers 1% “Investback”. That meant earnings accrued from using the card would automatically be invested on a weekly basis into a nominated investment on the Sharesies app. Sharesies Personal General Manager Scott Nixon joined the Afternoons team to discuss further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode of Bean There Done That, host Phil Di Bella sits down with Larry Prosser, Executive Director of Beyond Payments, to unpack the Reserve Bank of Australia's proposed ban on card surcharges. They break down what this policy really means for consumers, merchants, and banks—and why the supposed “savings” for customers might actually backfire. Larry explains how surcharges evolved, why compliance matters, and the hidden costs bundled into merchant fees. Phil pushes the conversation into real-world territory: shrinking café margins, the politics behind RBA decisions, and the practical steps small businesses must take now. It's an eye-opening look into the payments industry, packed with insights every business owner and everyday consumer needs to hear. Key Topics and Themes The history of surcharging and RBA policy shifts Why banning surcharges may increase prices instead of lowering them The impact of shrinking café and hospitality profit margins How banks and POS providers bundle hidden fees into merchant services The ethical approach Beyond Payments takes with transparency and compliance The bigger picture: industry bodies, political motives, and small business survival About Our Guest Larry Prosser is the Executive Director of Beyond Payments, Australia's first fully compliant “fee-less” EFTPOS provider. Since 2013, Beyond Payments has helped thousands of merchants recover 100% of their merchant service fees through transparent and compliant surcharge mechanisms. Larry is a passionate advocate for small business, pushing for fairness, compliance, and practical solutions in the payments space. More at: beyondpayments.com.au Key Takeaways The RBA's proposed ban on surcharges may sound good for consumers but will likely push prices up across cafés and restaurants. Merchant fees are not “free”—bundled POS solutions often hide costs in other ways. Debit card fees remain one of the most unfair charges facing consumers today. Transparency, compliance, and constant vigilance are essential for small businesses when choosing merchant service providers. Small business survival depends on understanding merchant fees and demanding fairness from banks and fintechs. Links and Resources Beyond Payments – beyondpayments.com.au The Coffee Commune – coffeecommune.com.au Time-Stamped Highlights: 00:31 – Introduction to guest Larry Prosser and Beyond Payments 02:19 – The rise of surcharges since 2013 and consumer adoption 06:15 – How shrinking profit margins make merchant fees critical 09:20 – The RBA's proposed surcharge ban explained in plain terms 12:10 – Why the ban will likely push prices higher, not lower 14:28 – Interchange fees, card schemes, and hidden costs 20:05 – The double-dipping problem with debit card fees 26:00 – What business owners should do right now to protect themselves 31:00 – Horror stories: POS providers forcing payment gateways 33:45 – What the ideal system for merchants, banks, and consumers should look like 36:40 – The risk of more café closures and the pressure on small business Tune in now to understand the truth behind card surcharges, the RBA's proposed changes, and what it all means for your local café or business. Bean There Done That is available on all major podcast platforms. Produced by The Podcast Boss #Coffee #Hospitality #SmallBusiness #Payments #Australia #Fintech #Podcast

What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.Chapters: 00:30 - Intro03:30 - Core philosophy 06:35 - Velocity banking overview and All-in-One simplification 09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking 17:10 - Debit card strategy and credit card optimization 18:55 - Property eligibility: primary, secondary, and investment properties 24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers 26:20 - Psychological shifts: gamifying debt payoff and spending discipline 28:30 - Payment structure: no fixed payments, interest-only charges 30:15 - Emergency flexibility and foreclosure protection advantages 32:05 - Mental shifts and debt payoff gamification 34:50 - SOFR-based interest rates: monthly adjustments and margin selection 40:25 - Traditional mortgage front-loading and total interest percentages 42:00 - Harrison's philosophy on 30-year mortgages as entry tools 44:35 - Brian's IBC integration: using equity for premium payments 46:05 - Practical applications: cars, college, rental properties 1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com 1:09:10 - Future case study possibilities and closing thoughtsKey Takeaways:All-in-One Loan Mechanics:Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges80% loan-to-value maximum with no traditional monthly payments, only monthly interest chargesSOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)700+ credit score for primary/second homes, 720+ for investment propertiesMinimum 20-25% down payment depending on property type10-15% reserves of line of credit amount in liquid assetsPositive monthly cash flow of at least 15% of net incomeProvides control and flexibility unavailable in traditional mortgagesEnables strategic use of home equity for wealth-building activitiesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!Visit https://remnantfinance.com for more informationHarrison George Contact: Email: harrison@cmgfi.com Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.comFOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

Shifting to a bi-weekly schedule as school becomes busier. I want to keep my high quality and not sacrifice because of quantity.We talk about cards! Debit and Credit cards and how they work. Who are VISA and Mastercard? How do they make money.Remember that I am not a financial advisor. You should always do your own research before making decisions about money. Any suggestions made about finance are my personal opinions. Do your own research (hopefully written or said by other financial advisors)Sources:See last week.

9-10 Adam and Jordana 10a hour

ஆஸ்திரேலியாவில் டெபிட் மற்றும் கிரெடிட் கார்டு பரிமாற்றங்களுக்கு வணிகர்கள் விதிக்கும் surcharge கூடுதல் கட்டணங்களை நீக்க வேண்டும் என்ற முக்கியமான பரிந்துரையை ஆஸ்திரேலிய ரிசர்வ் வங்கி RBA சமீபத்தில் வெளியிட்டுள்ளது. இது குறித்த செய்தியின் பின்னணியை தயாரித்து வழங்குகிறார் செல்வி.

Australia lub txhab nyiaj faj seeb haiv (Reserve Bank of Australia -RBA) tau txheeb thiab tau hais kom xaus cov kev tsub cov nqe surcharges rau tej debit thiab credit cards, Australia tus coj mus xyuas Suav tuam tshoj,...

The ASX 200 Index followed gains on Wall Street and rose 59.9 points, or 0.7 per cent, to reach a fresh record of 8630.3, with increases in 10 out of the 11 sectors. Meanwhile, the The Reserve Bank is moving to end debit and credit card surcharges in Australia, with the proposal ruffling feathers among small business groups. See omnystudio.com/listener for privacy information.

June 30, 2025 - Cindy Anderson, SCU Executive Vice President and CFO, joined Byers & Co to talk about Staley Card Central and how you can control your SCU Credit and Debit cards on your own terms. Listen to the podcast now.See omnystudio.com/listener for privacy information.

TOTO NEOREST 一體形除菌全自動馬桶將奢華，全新昇華！以前瞻科技，打造舒心健康的生活讓每次使用，都是潔淨與設計美學的頂級享受8/31前購買指定機型享8折與$5,000優惠了解更多➡️ https://fstry.pse.is/7rqlrs*商品功能依機種而有不同，優惠機種數量有限，詳情依門市公告資訊為準。 —— 以上為 KKBOX 與 Firstory Podcast 廣告 —— 大家眾所期待的「永豐DAWHO數位帳戶」，正式公告2025年下半年的權益啦！先說結論：高利活儲/跨提轉免手續費/信用卡指定刷卡回饋均保留！這一次特別加碼新戶最高13%刷卡回饋，而上半年受到大家喜愛的「DAWHO多幣簽帳卡」10%活動也保留囉！如果你還沒有這個超神奇的數位帳戶，請先hold住，等到2025/07/01再上車，你的好康會最多！到底怎麼使用這個數位帳戶？本集節目我要好好跟你分享我這五年年的操作心得。 來寶可孟YouTube頻道上收聽節目：https://pokem.me/PokemYTPodcast -- Youtube影片解說給你看：https://pokem.me/44sKHHr 永豐DAWHO數位帳戶2025下半年權益解析：https://pokem.me/DAWHO2025H2 永豐DAWHO數位帳戶2025上半年權益解析：https://pokem.me/4iBhQWy 本團MGM獨家活動詳解：https://pokem.me/3DrkaQ4 -- 點我開立永豐DAWHO數位帳戶(2025/07/01後申辦)：https://lihi1.com/YQoYo 點我申請一張永豐卡(建議開完戶後再申辦)：https://lihi1.com/5Q4Tz 點我申請永豐金證券大戶投：https://lihi1.com/APMDE 回報申請加入大戶TG(值5000積分)：https://bit.ly/45GZDjg 回報領取信用卡加碼禮(至少0200積分)：http://bit.ly/3pBVAiA -- 小額贊助支持本節目： https://open.firstory.me/user/ckdpsqfmxifcf0862q6efk1qa 留言告訴我你對這一集的想法： https://open.firstory.me/user/ckdpsqfmxifcf0862q6efk1qa/comments Powered by Firstory Hosting

Have any spare change? Do you still use cash and coins? The US Treasury Department and US Mint announced that it will stop making pennies after it runs out of the blank templates used to make the coins, saving the government $56 million a year in materials costs.  There is no indication that pennies will be taken out of circulation, only that new pennies will not be produced. This move should have no impact on electronic purchases - ACH, Wire, Debit, Credit, etc.  A few news articles on the subject: https://www.axios.com/2025/05/22/penny-coins-end-production-2026 https://www.axios.com/2025/05/24/treasury-penny-production-trump-shopping-change This issue is not unique to the United States. Canada, Australia and New Zealand stopped producing their penny-equivalents years ago. The cost to produce $0.01 is now approximately $0.0369 per penny, causing a loss to the US Mint of approximately $85.3 million.  And our other coins are similarly expensive to produce: $0.05 nickel costs $0.1378 per coin $0.10 dime costs $0.0576 per coin $0.25 quarter costs $0.1468 per coin It may be time to start using all those pennies we're currently saving in jars and piggybanks. What do you think? How will stopping the production of the penny impact you? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  

Ukraina veiksmīgi īsteno operāciju "Zirnekļa tīkls". Polijas prezidenta vēlēšanās uzvarējis konservatīvās opozīcijas kandidāts Navrockis. Latvija debitē ANO Drošības padomē. Aktualitātes analizē atvaļināts vēstnieks un lektors Latvijas Universitātē un Juridiskajā augstskolā Gints Jegermanis. Sazināmies ar Nacionālās aizsardzības akadēmijas pētnieku vēsturnieku Valdi Kuzminu un politologu Kārli Daukštu. Trumpji Zelenska piedurknē Ne viens vien pasaules medijs 2. jūnijā savos virsrakstos piesauca kāršu spēles motīvus. Tehnoloģiski novatoriska un organizatoriski filigrāna Ukrainas Drošības dienesta operācija pret Krievijas stratēģiskās bumbvedēju aviācijas bāzēm dziļi agresorvalsts teritorijā tiek uztverta kā nepārprotams mājiens prezidentam Trampam, kuram tīk klāstīt, ka Ukrainai „neesot kāršu” pašreizējā spēlē, respektīvi, nav izredžu pretoties Krievijas agresijai. Ilgstoši un pamatīgi gatavotajā diversijas akcijā neko nenojauzdami kravas mašīnu šoferi nogādāja Krievijas aviācijas bāzu tuvumā konteinerus, kuros it kā atradās moduļu mājas. Kad vajadzīgās lokācijas bija sasniegtas, no konteineriem izlidoja desmitiem lidrobotu un devās uz mērķi. Pavisam triecienus saņēma četri objekti, no kuriem salīdzinoši tuvākie atrodas pie Rjazaņas un Ivanovas, attiecīgi nepilnu astoņsimt un apmēram tūkstoš kilometru attālumā no Kijivas, attālākais pie Murmanskas, apmēram divtūkstoš kilometru attālumā, bet vistālāko – Sibīrijā, Irkutskas apgabalā – no Ukrainas galvaspilsētas šķir apmēram 4300 kilometri. Uzbrukuma mērķis bija stratēģiskie bumbvedēji un radioizlūkošanas lidmašīnas, kas, cita starpā, ietilpst Krievijas kodolspēku sastāvā, bet tiek izmantotas arī raķešu triecieniem pa Ukrainas pilsētām. Sākotnēji figurēja visai atšķirīgi dati par nodarītajiem zaudējumiem, līdz vakar Ukrainas Drošības dienests paziņoja, ka pavisam esot trāpīts 41 lidaparātam un trīspadsmit no tiem padarīti nelietojami. Tas ir jūtams zaudējums, sevišķi ja ievēro, ka tādus lidaparātus kā Tu-95 un Tu-22M3 jau ceturtdaļgadsimtu vairs neražo, un izskan viedokļi, ka attiecīgo zaudējumu kompensēšanai varētu būt vajadzīgi gadi vai pat desmitgades. Tāpat šī operācija liek Krievijai domāt par savas stratēģiskās aviācijas izkliedētāku dislocēšanu, kas mazinās tās izmantošanas efektivitāti. Pasaule vēl aizgūtnēm turpināja apspriest svētdienas operāciju, kurai Ukrainas Drošības dienests devis nosaukumu „Zirnekļa tīkls”, kad agrā otrdienas rītā jaudīga zemūdens eksplozija satricināja Krievijas uzcelto tiltu pāri Kerčas šaurumam, plašāk pazīstamu kā Krimas tilts. Zemūdens eksplozija notikusi tuvu gruntij un pamatīgi bojājusi vienu no tilta balstiem. Pēc tam tilts uz laiku ticis slēgts, tad atkal atvērts, tad vēlreiz slēgts, un šobrīd nav īsti skaidrs, vai un kādā režīmā tas funkcionē. Latvija debitē ANO Drošības padomē 3. jūnijā Apvienoto Nāciju Ģenerālā asambleja ievēlēja piecas jaunas ANO Drošības padomes nepastāvīgās locekles ar mandāta termiņu 2026. un 2027. gadā. Viena no jaunievēlētajām loceklēm ir Latvija, pārējās – Bahreina, Kolumbija, Kongo Demokrātiskā republika un Libērija. Vēl piecas nepastāvīgās locekles, kas Drošības padomē ieņem vietas kopš šī gada sākuma ir Dānija, Grieķija, Pakistāna, Panama un Somālija. Kā vēsta statistika, pavisam balsojušas 188 dalībvalstis, pret balsojušo nav bijis, taču zināms skaits balsotāju attūrējušies. Visvairāk tādu bijis balsojumā par mūsu valsti – veseli desmit, kamēr, piemēram, Bahreinas gadījumā šādu pārliecības trūkumu paudušas vien divas delegācijas. Latvija ir arī vienīgā no ievēlētajām padomes loceklēm, kas šo prestižo pienākumu uzņemsies pirmoreiz. Drošības padomes kompetencē ietilpst jebkura drošības jautājuma izvērtēšana un attiecīgu lēmumu pieņemšana, aicinot ANO dalībvalstis vērst pret drošības apdraudētāju ekonomiskās vai diplomātiskās sankcijas, tāpat Drošības padome var lemt par militāru vai citu nepieciešamu līdzekļu lietošanu. Pagātnē ar šādu mandātu starptautiskās koalīcijas iesaistījās Korejas karā 1950. gadā, veica Kuveitas atbrīvošanu no Irākas okupācijas 1991. gadā un intervenci Lībijā 2011. gadā. Drošības padome ir tā institūcija, kas izvirza Apvienoto Nāciju ģenerālsekretāra kandidatūru un iesaka jaunu dalībvalstu uzņemšanu organizācijā. Kā zināms, bez desmit pārvēlamajām Drošības padomes loceklēm tajā ir arī piecas pastāvīgās locekles ar veto tiesībām – Savienotās Valstis, Lielbritānija, Francija, Krievija un Ķīna. Līdz nesenam laikam trīs Rietumu demokrātijas – ASV, Lielbritānija un Francija – tika apzīmētas kā „P3”. Tās tradicionāli ieņēma līdzīgu pozīciju visos būtiskākajos globālās politikas jautājumos. Taču kopš Baltajā namā saimnieko Donalds Tramps, šī ierastā kārtība jau vairākkārt tikusi izjaukta. Tāpēc katras uz tradicionālajām Rietumu vērtībām orientētas valsts klātbūtne Drošības padomē šobrīd iegūst papildu nozīmi. Par purna tiesu Nepilni 370 000 no apmēram 21 miljona jeb mazāk nekā divi procenti – tāds balsu apjoms izšķīra Polijas prezidenta vēlēšanu rezultātu. Pēc vēlēšanu pirmās kārtas 18. maijā sacīksti turpināja divi: valdošās labēji centriskās Pilsoniskās platformas kandidāts, Varšavas mērs Rafals Tšaskovkis un lielākās opozīcijas partijas, nacionālkonservatīvās „Likums un Taisnīgums” un tās sabiedroto atbalstītais neatkarīgais kandidāts Karols Navrockis. Negaidīti labi rezultāti pirmajā kārtā bija vēl diviem izteikti labējiem kandidātiem: Brīvības un neatkarības konfederācijas pārstāvis Slavomirs Mencens ieguva gandrīz 15% un monarhistiskās Polijas kroņa konfederācijas pārstāvis Gžegošs Brauns – vairāk nekā 6% balsu. Brauns aicināja savu elektorātu balsot par Navrocki, savukārt Mencens sarīkoja publisku pasākumu, kurā aicināja abus otrās kārtas kandidātus parakstīties zem viņa ierosinātās programmas astoņiem punktiem. Navrockis parakstīja, Tšaskovskis – nē. Vairāki centriski un kreisi kandidāti, tādi kā Šimons Holovņa no Polijas Tautas partijas vai Magdalena Bjejata no koalīcijas „Kreisie”, savukārt aicināja balsot par Tšaskovski, kaut arī kreisajiem ir pretenzijas pret Pilsoniskās platformas labējo sociālo politiku. Rezultātā ar gluži nelielu pārsvaru uzvaru svētdien, 1. jūnijā, svinēja Karols Navrockis. Vēlēšanu rezultātu kartes rāda Polijai jau ierasto ainu, kad par konservatīvo politiku balso vēsturiskās poļu zemes valsts centrā un dienvidaustrumos, savukārt par liberālāku pieeju – pēc Otrā pasaules kara pievienotās teritorijas rietumos un ziemeļos, kā arī Varšava un citas lielās pilsētas, izņemot Krakovu. Tā nu Polijā turpināsies līdzšinējā situācija, kad centriskai un proeiropeiskai valdības koalīcijai jāsadzīvo ar radikāli konservatīvu prezidentu. Navrockis tiek dēvēts par „Polijas Farāžu”, ciktāl ir kategoriski pret ciešāku Eiropas Savienības integrāciju, tai skaitā pret eiro ieviešanu Polijā, un arī skeptisks par savienības tālāku paplašināšanos, tai skaitā Ukrainas uzņemšanu. Tomēr jaunievēlētā prezidenta uzskati noteikti nav prokremliski, ciktāl Krievijas agresijas atturēšanu viņš uzskata par Polijas drošības politikas stūrakmeni, aicinot stiprināt NATO, sadarbību ar Savienotajām Valstīm un reģionālo sadarbību ar t.s. Bukarestes devītnieku – Čehiju, Slovākiju, Ungāriju, Rumāniju, Bulgāriju un Baltijas valstīm; tāpat ar Somiju un Zviedriju. Polijas prezidenta pilnvaras nav sevišķi plašas, taču pašreizējā situācijā konservatīvam prezidentam faktiski ir likumdošanas veto iespējas. Prezidenta veto Sejms var atcelt ar 60% balsu, bet centriski liberālajiem spēkiem šāda pārsvara likumdevējā nav. Sagatavoja Eduards Liniņš.

(0:00) Intro(2:08) Insaan par Aazmaish aane ki wajah kya hai?(5:11) Kaainat ka wajood kyun aur kaise hua?(6:45) Non-Muslim ka Sochna(7:48) Urdu se Rishta(8:55) Zamaane ke baray mein ghalat fehmi(13:54) Light jana Pakistan mein normal(14:04) Pakistan ko India se masla nahi?(14:40) Heart Attack kaise hota hai?(19:23) Insaan aksar kis umar mein tauba karta hai?(22:02) Gym mein bodybuilder ki death(23:21) NASA Videos aur “Sooraj ki garmi”(30:00) Machhar ki dunya(31:53) Allah ki be-aib takhleeq(33:56) Masjid committee ke Sadr bhai ki lambi zindagi(35:09) Ma'azoor bachon ki pedaish(36:03) Aazmaishon ki wajah kya ho sakti hai?(38:45) Aazmaishon ki 2 qisamain(39:35) Ijtimai aazmaish mein sabr kaise kiya jaye?(41:45) Pakistani Mentality during war(42:54) Mufti Sahab ko Pak Army ki fazilat bayan karne par -ve feedback(46:41) Indian Drone na girne par aitraz(47:59) India ne civilians par attack kyun kiya?(48:14) War mein mulk se ghaddari se bachne ka tareeqa(49:22) Wagah border par Mufti sb ki aamad(50:51) Indian Muslims ki miserable life(51:27) Modi ke zulm(52:25) War ki aazmaish(53:47) Ghar mein shishtem(54:52) Current Indian Govt se Pakistan dushmani(55:15) India-Pak war par Mufti sb ki naseehat to Pakistan(57:07) Fasadi khawateen ka tajziya(57:54) Mufti sb ke ghar mein war jaisa waqia(1:02:40) War ke dino mein positive soch rakhna(1:04:22) Khulasa bayanSawal Jawab(1:04:51) Rafee Bhai ke 2 sawalon ka jawab(1:09:53) Barri umr ki aurat ke liye kam umr mard ka rishta?(1:12:24) Jhooti qasam khane ka kaffara?(1:12:59) Baghloon ke baal saaf karne ka sunnat tareeqa(1:13:52) In 2 hadithon ka matlab?(1:15:02) Leetne se wudhu toot'ta hai?(1:15:44) Namaz qubool hone mein vehmi hona?(1:16:33) Wrestling se kamai halal hai?(1:17:31) Debit card par discount lena?(1:17:55) Lay palak bache ka masla(1:19:58) Brailvi imam ki peeche namaz parhna?(1:21:24) Mufti sb ka channel India mein ban(1:21:37) Pak-India war mein baandiyan(1:22:12) Martial arts ki dressing aur earnings?(1:24:17) Indian channels ke jhoot(1:26:39) Elections mein vote ka tareeqa (Pak-India)(1:27:56) Pak war memes — Mazahiya ya be-adabi?(1:28:50) 3 Sawalat(1:31:50) Hafiz ya Imam agar darhi na rakhe to?(1:33:56) Mufti Abdul Raheem sb ka recent bayan on Ghazwa-e-Hind(1:35:08) Qabar par tilawat ki niyyat se jana(1:36:20) Ghazwa, Jang aur Syria(1:37:05) Aise alfaaz se talaq ho jati hai?(1:38:48) Pak-India war mein Indian Muslims ki shahadat(1:40:55) 2 More Sawalat(1:43:00) Rukhsati se pehle talaq ka case(1:46:31) Jihad ka mauqa milne par(1:46:58) Agar dost beizzati kare to kya karein?(1:47:54) Burai se bachne ke liye shaadi(1:49:21) Hostel mein Brailvi roommate ko namaz padhne ka kaise kahain?(1:50:24) Mobile mein Qur'an padhna(1:50:29) Walaikum Assalam WRWB Hosted on Acast. See acast.com/privacy for more information.

10th April: Blockchain DXB podcast

Wir sind zurück in Berlin und sprechen über die Herausforderungen der Rückkehr ins deutsche Tempo. Außerdem geht es noch einmal um Manuels Zahnseiden-Passion, um neue, zerstörerische Scanner an Flughäfen und die Kartenzahlung in Deutschland. Zum Abschluss beantworten wir eure Fragen: Wie sicher ist es als alleinreisende Frau in Deutschland? Und wie viel Reisen ist zu viel Reisen?   Transkript und Vokabelhilfe Werde ein Easy German Mitglied und du bekommst unsere Vokabelhilfe, ein interaktives Transkript und Bonusmaterial zu jeder Episode: easygerman.org/membership   Sponsoren Hier findet ihr unsere Sponsoren und exklusive Angebote: easygerman.org/sponsors   Unsere Hausmitteilungen In 2025 machen wir zwei Podcast Live Events in Basel

Shoot us a Text.Episode #1011: Today we're breaking down the early fallout from sweeping auto tariffs, Toyota's recalibrated EV strategy, and why Gen Z is ghosting credit cards.Show Notes with links:The 25% tariff on imported vehicles is forcing swift and varied responses from automakers, with some pulling back and others ramping up U.S. operations. The early shakeup shows just how disruptive the new trade landscape could become.Stellantis paused production at Canadian and Mexican plants and laid off 1,000 U.S. workers.Infiniti halted U.S.-bound production of the QX50 and QX55 “until further notice.”VW stopped rail shipments from Mexico; Audi is holding vehicles at U.S. ports post-tariff. JLR is temporarily pausing US shipments.GM is boosting pickup production in Indiana, and Mercedes may shift another model to Alabama.Ferrari and Ineos raised prices up to 11%, while Ford and Stellantis launched deep discounts to keep buyers interested.“Consumers will feel financial pain faster than they will see new jobs,” warned S&P Global's Stephanie Brinley.Once criticized for lagging in the EV race, Toyota is charting a new path with more in-house models and global production—but with tempered expectations. The automaker is still prioritizing flexibility as it balances EV growth with its hybrid-heavy portfolio.The Japanese manufacturer aims to launch 15 internally developed EVs by 2027, including several Lexus models.New production sites in the U.S., Thailand, and Argentina are planned to hedge tariff risks and improve delivery timelines.The target is 1 million EVs per year by 2027—down from earlier projections of 1.5 million by 2026.In 2024, Toyota sold just under 140,000 EVs, less than 2% of its global volume of over 10 million vehicles.A new survey reveals Gen Z's growing distrust of credit cards, with many opting for debit, cash, and peer-to-peer options instead. High APRs, confusing terms, and debt fears are driving a generational payment shift that could reshape future retail habits.68% of Gen Z say credit card bills cause stress; 51% say cards give them the “ick.”Debit (68%) and cash (67%) top Gen Z's preferred payment methods—only 35% use credit cards, with 82% of respondents overall saying credit cards are “financially dangerous.”57% of Gen Z admit they don't fully understand card terms, and 53% have been surprised by interest charges.“It doesn't make sense to pay 20%, 25% or 30% in interest just to earn a few percentage points in cash back,” said Ted Rossman, Bankrate senior analyst.Join hosts Paul J Daly and Kyle Mountsier 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/

While it's true that nonprofits often fail for lack of funding, there are reasons that they don't achieve funding or that they use it incorrectly and/or inappropriately. Here's my experience from eight boards, including chairing two of them: The boards are weak. They are made up of "names" who would seem to be significant, but who provide very little in terms of governance skills, strategic viewpoint, or even attendance. The executive director/CEO remains too long. The "shelf life" of these leaders is about seven years. After that, they stop serving the institution and the institution starts serving them. They create a tyrannical "fiefdom." No skin in the game. There must be a "give or get" minimum financial contribution from the board. They can't just play with "other people's money," and many granting foundations insist on such investment as a must for grants. They are not run as businesses. There is a budget to meet, strategic goals to achieve, the mission to be accomplished. They often approve budgets with illusory revenue sources, for example. They aren't professionally run. Just because you're a "volunteer" doesn't mean you have an excuse to be unprofessional. You need to meet accountabilities, show up, and do your job. Donors are not sufficiently romanced. Donors need to be "triaged" so that the highest donors receive the most recognition. One theater, in a fit of "woke" madness, actually put donors in alphabetical order in their playbill, so that no one knew who gave $5 or $50,000. That's just dumb marketing. They exhaust funds and credit lines with no idea of how to repay. Debit kills the arts in particular. There's no room to take risks or to contract for expensive rights. Politics overwhelm the value. It was just pointed out that every member of the board of National Public Radio, accused of being far too liberal and unfair in its reporting, is a Democrat. That wasn't an accident, and they're using public tax money. They default to tactics on the board, not strategy. Instead of talking about what to create to attract more patrons or donors, they discuss what meal to serve at the next fundraiser. Every organization is a business. You need customers/clients/members/audience/contributors. You need leadership and board members who know how to run a business and meet goals and financial requirements. Oh yeah: And you need term limits to remain contemporary and effective.

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week we learned that Hyatt has changed their terms to give another property an exemption from honoring elite benefits. With their exclusion list growing longer and longer is this a move in the wrong direction? Is Hyatt's growth coming at the cost of a consistent loyalty program?   In other news American Express released increased offers for two of the Marriott cards where you can get a welcome offer up to 185K. We also discuss: US Bank's way too generous 4% cashback card, Air India's poopy flight, popping champagne on an airplane, Wyndham and Discover debit rewards cards, 20K Amex pay over time offers and a hotel ice machine hack.   Episode Guide 0:00 Popping champagne on an airplane 0:51 Air India's poopy flight 2:40 Southwest gets even worse than last week 5:33 Hyatt's Globalist benefits are declining 7:16 Hyatt's growth is pressuring elite benefits 9:10 Up to 185K increased Marriott Bonvoy card offers 11:09 US Bank's insane 4% back card - Too good to be true? 13:01 Melio $200 offer - Easy spend and profit 14:17 Wyndham launches new debit rewards card 15:59 Discover's cashback debit card may be a better option 16:43 Amex 20K Pay Over Time offers return 17:47 Cool S - Hotel ice machine hack Links Popping champagne - https://x.com/InternetH0F/status/1901438364546740605 Air India - https://x.com/sjlazars/status/1899074610689384771?s=46 Hyatt elite issues - https://viewfromthewing.com/hyatt-hotels-are-ignoring-elite-perks-and-no-one-is-stopping-them/ US Bank Smartly - https://milestomemories.com/u-s-bank-rethinking-the-smartly-visa-credit-card/ Wyndham debit - https://travel-on-points.com/wyndham-debit-card/ 20K Pay Over Time - https://milestomemories.com/pay-over-time-offers-an-easy-20k-in-points/ Hotel ice hack - https://www.youtube.com/shorts/BrX-scnvl-o Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Loans supplied by funds have swelled to some $2 trln, disrupting regular banks. In this episode of The Big View podcast, Huw van Steenis of Oliver Wyman explores the drivers of the industry's rapid growth, how much bigger it could get, and what risks it might be storing up. Visit the Thomson Reuters Privacy Statement for information on our privacy and data protection practices. You may also visit megaphone.fm/adchoices to opt-out of targeted advertising. 

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Episode 109 - Real Estate Exam Questions: Closing the Transaction Going through state exam questions to help real estate students pass their state exam.   Happy New Year! 3 Year Anniversary of A-Ha! REEP. YAY!!! Don't be entitled in life, in real estate, or with me. Ha ha!! List of recent grads: Joseph, Alejandro, Madiera, Tylar, Travis, Douglas, Zack, Christi, Alan, Patricia, Devon, Trudy, Rhonda, Wanda, Daniella, Cecilia, Maisy, Lena, Ruth, Melody, Sadie, Ryan, Tomeka, Scott, Christina, Chris, Jessica, Jeffery, and Hayley.   Listener messages: Jeffrey from Indiana and Hayley from Upstate New York Closing events and types                                                                                         Conducting the closing RESPA – Real Estate Settlement and Procedures Act ABA – Affiliated Business Arrangement TRID – TILA RESPA Integrated Disclosure rule; Truth in Lending Loan Estimate and Closing Disclosure forms Kickbacks, referral fees, and rebates Debit and Credit Prepaid and Accrued expense prorations Banker's Year vs. Actual calendar days Math Transfer stamps, excise tax, revenue stamps, deed tax, etc. Exam Questions   Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off.   Go to www.indianarealestateinstitute.com for Indiana real estate classes.   A-Ha LINKS   Email info@ahareep.com   Web www.ahareep.com   Facebook https://www.facebook.com/AHA.REEP   YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

In this episode of Payments Corner Jordan and Jacqueline invite Klas Bäck from Pagos to join us as we do a deeper dive into the intricacies of network tokens and debit routing, discussing their benefits, challenges, and the importance of data in optimizing payment processes. They explore how network tokens can enhance acceptance rates and the complexities involved in implementing debit routing for merchants. We emphasizes the need for merchants to engage with their acquiring partners to leverage these technologies effectively. Also, Pagos is giving away FREE enriched BIN data on 25 BINs today to listeners. You can get those by clicking here: https://pagos.ai/landing/fraudboxer Klas Bäck - https://www.linkedin.com/in/klasback

While Americans rely on debit transactions for the necessities of life, most are unaware of the networks that drive those transactions, nor are they aware that one company, Visa, has monopolized debit transactions, penalized industry participants that seek to use alternative debit networks, and co-opted innovators, technology companies, and financial institutions to forestall or snuff out threats to Visa's debit network dominance.” So begins the monopolization lawsuit filed on September 24 by the United States Department of Justice (DOJ) against the country's largest card company, Visa Inc.On one level, the case is simple: The DOJ alleges a clear violation of laws protecting markets against monopolies. But the case gets more complicated when looking at the details, in part because payment systems are mostly invisible part of the financial ecosystem. In effect, the DOJ alleges that Visa is pulling the levers of a really opaque and complex system to preclude competition and squeeze fees out of banks and vendors for itself.To understand the complexities and implications of the case, Bethany and Luigi are joined by Kathryn Judge, Harvey J. Goldschmid Professor of Law at Columbia University. Judge is an expert on banking, financial crises, regulatory architecture, and intermediation design beyond finance. Her book, Direct: The Rise of the Middleman Economy and the Power of Going to the Source (HarperBusiness, 2022), was on the long list for the Financial Times Business Book of the Year Award. Together, the three of them discuss both the surface-level and structural issues of an economy where consumers and small businesses are shortchanged on what is essentially a private sales tax on all debit-card purchases—and how to look for collective solutions when opt-outs aren't possible.Episode Notes: Also check out the ProMarket article “A DOJ Victory Against Visa May Not Help Merchants or Consumers” by Lulu Wang, Assistant Professor of Finance at Northwestern University's Kellogg School of Management.

[SEGMENT 1-1] Perseverance in times of strife In times of strife, you find out who you really are. And this is why the conservatives in the path of the hurricanes are lucky.   I've said this my entire life. I've learned little, when I've had much. That's not to say that we should strive for chaos and uncertainty. But understand that even when times are good, they don't have to stay that way, no matter how well you've planned. Teaching perseverance is KEY.   Things that helped me survive Helene: A gas car A gas stove A gas hot water heater A gas chainsaw Cash Things that are/were useless during Helene: Electric cars Electric appliances Debit cards The city bus The government Diversity My tax dollars in Ukraine   During Hugo, my mom found out back then that having gas appliances was great. They didn't have electricity but had hot baths and could cook.  [SEGMENT 1-2] Government assistance 1   [X] SB – Kamala Harris asked about shooting a gun in 2015 Last time you shot a gun I'm a good marksman With a pistol or rifle   The government claims it can do it all. When in fact, it does very little. Before you get upset at that notion, understand that is the role of government. To be a backup plan, and not your go-to, or main plan. Somehow things changed along the way, where government wanted to plan for any eventuality that could occur. And while that is noble, you can't plan for total ignorance. Government stopped demanding that people have personal accountability.  [SEGMENT 1-3] Government assistance 2 What Biden-Harris managed to do is make America's poorest realize that government will abandon you, when it has its own goals. And the people most impacted figured out that they need a different backup plan. That plan is to get back to Trump era policies for starters. Trump hasn't won over the poor completely, but they do know they want no more of Biden or Harris or Democrats. The question for many is, “Are we too late?”   You get enough of these people, balanced with those who will almost NEVER take from the government, and you get Leftist equilibrium. See if you have LOTS of givers, and only a few takers, then governments can run a surplus. They run like Singapore or Switzerland. But when you bring in people who have a culture of subsistence, or you TRAIN people into subsistence, then you have major problems. So now the government has grown to enormous proportions and promises everything. But government doesn't wake up in the middle of the night to feed a hungry baby, or drive a kid to a soccer match. Government is not there to console a young girl suffering the heartbreak of her first breakup. Government doesn't share in the grief, but is always there to take credit for the celebration or take a cut of the windfall. Right now, Kamala Harris who has never done a hard days work outside wants to offer some idea of her “help” to the people on the East Coast. She's reassuring them that OTHER PEOPLE will get them out of their mess. She has NO idea what it takes to rally the people necessary to save lives, but she has the rhetoric. Donald Trump knows what it takes to build. He's been on the ground multiple times to serve the people, and truly has been-there-done-that.  [SEGMENT 1-4] Government assistance 3   [X] SB – Obama explains the tactics of the Left Spread dirt, conspiracies…citizens don't know what to believe Lose trust…media, political institutions, leaders, the truth…the game is won [X] SB – Aug 202 Biden asked about Trump's border policies Asylum ended Your new plan calls for reversing Trump's harsh plan What would you do with camps? If we don't do it well. Reach out to charitable communities Spending millions of $$ for access to move quickly.    Become a supporter of this podcast: https://www.spreaker.com/podcast/the-kevin-jackson-show--2896352/support.

[SEGMENT 1-1] Perseverance in times of strife In times of strife, you find out who you really are. And this is why the conservatives in the path of the hurricanes are lucky.   I've said this my entire life. I've learned little, when I've had much. That's not to say that we should strive for chaos and uncertainty. But understand that even when times are good, they don't have to stay that way, no matter how well you've planned. Teaching perseverance is KEY.   Things that helped me survive Helene: A gas car A gas stove A gas hot water heater A gas chainsaw Cash Things that are/were useless during Helene: Electric cars Electric appliances Debit cards The city bus The government Diversity My tax dollars in Ukraine   During Hugo, my mom found out back then that having gas appliances was great. They didn't have electricity but had hot baths and could cook.  [SEGMENT 1-2] Government assistance 1   [X] SB – Kamala Harris asked about shooting a gun in 2015 Last time you shot a gun I'm a good marksman With a pistol or rifle   The government claims it can do it all. When in fact, it does very little. Before you get upset at that notion, understand that is the role of government. To be a backup plan, and not your go-to, or main plan. Somehow things changed along the way, where government wanted to plan for any eventuality that could occur. And while that is noble, you can't plan for total ignorance. Government stopped demanding that people have personal accountability.  [SEGMENT 1-3] Government assistance 2 What Biden-Harris managed to do is make America's poorest realize that government will abandon you, when it has its own goals. And the people most impacted figured out that they need a different backup plan. That plan is to get back to Trump era policies for starters. Trump hasn't won over the poor completely, but they do know they want no more of Biden or Harris or Democrats. The question for many is, “Are we too late?”   You get enough of these people, balanced with those who will almost NEVER take from the government, and you get Leftist equilibrium. See if you have LOTS of givers, and only a few takers, then governments can run a surplus. They run like Singapore or Switzerland. But when you bring in people who have a culture of subsistence, or you TRAIN people into subsistence, then you have major problems. So now the government has grown to enormous proportions and promises everything. But government doesn't wake up in the middle of the night to feed a hungry baby, or drive a kid to a soccer match. Government is not there to console a young girl suffering the heartbreak of her first breakup. Government doesn't share in the grief, but is always there to take credit for the celebration or take a cut of the windfall. Right now, Kamala Harris who has never done a hard days work outside wants to offer some idea of her “help” to the people on the East Coast. She's reassuring them that OTHER PEOPLE will get them out of their mess. She has NO idea what it takes to rally the people necessary to save lives, but she has the rhetoric. Donald Trump knows what it takes to build. He's been on the ground multiple times to serve the people, and truly has been-there-done-that.  [SEGMENT 1-4] Government assistance 3   [X] SB – Obama explains the tactics of the Left Spread dirt, conspiracies…citizens don't know what to believe Lose trust…media, political institutions, leaders, the truth…the game is won [X] SB – Aug 202 Biden asked about Trump's border policies Asylum ended Your new plan calls for reversing Trump's harsh plan What would you do with camps? If we don't do it well. Reach out to charitable communities Spending millions of $$ for access to move quickly.    Become a supporter of this podcast: https://www.spreaker.com/podcast/the-kevin-jackson-show--2896352/support.

In this episode, I'm diving deep into how God has set us free from depression, anxiety, and fear. Through the incredible sacrifice of Jesus on the cross, we no longer have to live weighed down by life's struggles. Jesus paid a high price so that we can enjoy a life full of joy and peace. Join me as we explore Biblical strategies to overcome challenges and step into the freedom God has given us. You don't have to live a hard life—there's so much more for you!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Did you know that it is God's will and desire for you to prosper in every area of your life? That includes your finances! God wants to bless you abundantly so that you can be a blessing to others and fulfill the plan of God for your life. In this episode, I explore the biblical principles behind prosperity and how it's part of God's design for His people. Join me on the podcast as I list 15 key reasons why God wants you to prosper.     GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Join me on today's podcast for a powerful decision-making playbook that will transform the way you approach life's choices. You don't have to live with regret or wonder how things could have been different. Learn how to avoid costly mistakes and daily frustrations by making wise, God-centered decisions that lead to success. God wants to take you higher; don't miss this!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

In this episode, I'm diving deep into 5 life-changing lessons I wish I had learned so much earlier. These lessons have transformed my life and I believe that these are the keys that can take your life to the next level. Don't miss out!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Chaim shares invaluable insights on setting clear financial goals, long-term planning, and budgeting, especially in the face of today's high inflation and living costs. We explore the psychology of credit card and debit card spending, particularly within large families and among frequent traveler Tune in to hear real-life success stories and rapid-fire advice on impactful books and personal aspirations. This episode promises to transform your financial life with practical wisdom and proven strategies for responsible spending and long-term savings. Get ready to be inspired and empowered to achieve financial freedom with expert advice from Chaim.   Episode Links:  TauberSolutions.com Chaim WhatsApp Panda Doc 00:06:10 - Clear budgeting reveals unnecessary expenses and savings. 00:09:22 - Mindset difference in spending: Credit vs. Debit. 00:12:39 - Use debit card; keep credit card handy. 00:14:49 - Switching to debit saved millionaire $180,000 yearly. 00:18:12 - Knowing numbers helps identify and solve problems. 00:21:31 - Spouses often hide finances to avoid judgment. 00:23:34 - Start financial conversations with spouse to reach goals. 00:28:03 - Rents and home prices skyrocketing, mortgages increasing. 00:31:44 - Teach youth to save with small incentives. 00:35:46 - Emergency fund enables focus on family health. 00:37:24 - Stocks as gambling; possible gains or losses. 00:40:44 - Adapted Dave Ramsey's principles for Haimisha lifestyle. 00:43:29 - Clients achieve financial independence in six months. 00:46:49 - Use high yield savings accounts; identify goals.   Practical Pointers from this episode : Take inspiration from real-life success stories of individuals who achieved financial freedom through disciplined saving and smart financial planning. This can provide motivation and practical strategies for your own financial journey. Focus on paying off high-interest debts first, such as credit card balances. Once these are cleared, you can allocate more funds towards savings and investments. If you need to build or improve your credit, use credit cards strategically for essential purchases and always pay on time. This helps build a positive credit history without falling into debt traps. For long-term savings goals, consider high-yield savings accounts or mutual funds, such as the S&P 500, to grow your money more effectively. Begin by identifying your long-term financial goals. Whether it's paying off debt, saving for a house, or preparing for retirement, having a clear vision helps in creating a focused financial plan.

As children of God, we're not called to go from struggle to struggle, living from problem to problem. We're called to live a struggle-free, victorious life! In today's episode, I list 5 types of Christians who will ALWAYS struggle and be frustrated. Don't get stuck in a cycle of struggle! Time is short; it's time to go higher.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This past week, I had the honor of ministering in the largest church in the world. The Glory Dome in Nigeria seats 100 thousand people! It was such a powerful experience to be there. I know that I received an impartation from Dr. Paul Enenche and a supernatural grace that will mark me forever. Join me on the podcast as I share the 10 things I learned in the world's LARGEST CHURCH ON EARTH! We're going to another level.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This past week, I had the honor of ministering in the largest church in the world. The Glory Dome in Nigeria seats 100 thousand people! It was such a powerful experience to be there. I know that I received an impartation from Dr. Paul Enenche and a supernatural grace that will mark me forever. Join me on the podcast as I share the 10 things I learned in the world's LARGEST CHURCH ON EARTH! We're going to another level.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This past week, I had the honor of ministering in the largest church in the world. The Glory Dome in Nigeria seats 100 thousand people! It was such a powerful experience to be there. I know that I received an impartation from Dr. Paul Enenche and a supernatural grace that will mark me forever. Join me on the podcast as I share the 10 things I learned in the world's LARGEST CHURCH ON EARTH! We're going to another level.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Join me and Pastor Jonathan Shuttlesworth as we answer questions about life, the Bible, and US Politics!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Have you gotten yourself into financial trouble in the past becuase of over extending yourself using a credit card? If you have, you're not alone. Knowing how to use credit cards as a beneficial tool is a game (that many of us are never taught), and each of us needs to determine if we know the rules to the credit card game and if we feel like we can follow the rules well to win the game. For some people, credit cards (when used well) can be an amazing tool to build credit and score cash back, miles, travel perks, and purchase protection. For others, credit cards are more of a temptation and cause more financial damage than any perks are worth.  In this week's episode of The Money Love Podcast I'm diving into the deep underbelly of the credit card industry with former VISA employee turned Sequin CEO, Vrinda Gupta. Vrinda had her financial "wake up moment" when she was denied from the credit card that she helped build. She then set out on her own to create Sequin, the first of it's kind debit card designed to earn women up to 6% cashback on self-care (think gyms, beauty stores, drug stores, and more) without perpetuating a cycle of credit card debt. Most credit cards earn rewards, but can get you in a cycle of high-interest credit card debt. Debit cards, while they keep you in budget, do not typically earn rewards. Sequin is the best of the both worlds, and earns you cashback -- on a debit card! This is your own money, so you can stick with a budget without sacrificing cashback rewards. Best of all, it's founded by women, for women and you will receive a custom credit card debt payoff plan to manage credit while earning cashback.There's no monthly fees, overdrafts, or minimums, and your checking account will earn high interest. In this conversation Paige and Vrinda talk about secrets the credit card companies don't want you to know, how credit cards are designed to keep you overspending, why it can be so tricky to get out of credit card debt once you're in it, and diving into Sequin, the debit card that Vrinda created to help women combat credit card debt for good. Make sure that you use the links below to create your Sequin account today!   Open up your Sequin debit card HERE Follow Vrinda on Instagram HERE *NOTE: This is an affiliate link which means it won't cost you any extra to sign up but I may earn a commission from recommending the product to you. START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations     Work with Paige: Join the Overcoming Overspending Membership HERE Use code “MLP30” at checkout to save $30 on your first month inside the membership    Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending

Trump was just shot! At a rally in Bulter, Pennsylvania, during Trump's speech, gun shots were heard just as Trump reaches for his ear and is taken to the ground by secret service. Join me on the podcast today as I react to the shocking news of the assassination attempt on former President Donald Trump. In this episode, I reveal the prophetic warning given by my father two years ago, predicting this very event.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

What's going on with consumers? This is one of the trickiest puzzles of this weird economic moment we're in. We've covered a version of this before under the term "vibecession," but it's safe to say, the struggle is in fact real. It is not just in our heads. Sure, sure, some data is looking great. But not all of it. What's interesting, is exactly why the bad feels so much worse than the good feels good. Today on the show, we look into a few theories on why feelings are just not matching up with data. We'll break down some numbers and how to think about them. Then we look at grocery prices in particular, and an effort to combat unfair pricing using a mostly forgotten 1930's law. Will it actually help? Today's episode is adapted from episodes for Planet Money's daily show, The Indicator. Subscribe here. Help support Planet Money and get bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy