Podcasts about deposits

So much NFL news with playoffs finally here. We talk all about the NFC, coaches fired and much more. College football and a splash of other stuff.  Scott Ohsman, Tim Boyle and Mark Hiland bring you once again entertaining sports talk!  Follow us on Twitter:  @scottohsman  @tboyle15   Instagram  Scottohsman Tboyle15  

In this episode, we talk with Aaron Smith, Chief Executive Officer of Vetriq. He shares how Vetriq delivers a unified platform for payer and patient workflows using automation, real-time analytics, and intelligence to create predictable, efficient, and fully visible financial operations.  They don't replace RCM systems, banks, or lockboxes. They connect them so the work between them disappears for your staff.

This episode is all about the "money" side of breeding that many people feel uncomfortable talking about: puppy deposits. From the classic debate over non-refundable fees to the massive legal shifts happening in California, I'm breaking down how to structure your deposits to protect your business and your reputation. We'll look at the specific math of cash flow, how to handle contracts without making things complicated, and why your deposit strategy is actually a key part of your buyer's journey. Join me as we clear up the confusion so you can focus on what matters—raising great dogs.

Per Åsberg Sommar is a senior advisor in the markets department at the Swedish central bank. In Per's first appearance on the show, he discusses his career as a central banker, the history of the Riksbank, evolutions in inflation targeting at the Riksbank, changes in the Sweden's central banks operating system, its new tool called the Deposit Requirement Facility, and much more. Check out the transcript for this week's episode, now with links. Recorded on December 12th, 2025 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel  Timestamps 00:00:00 - Intro 00:02:08 - Per's Career 00:04:02 - Riksbank 00:09:07 - Inflation Targeting at Riksbank 00:11:56 - Riksbank's Operating System 00:15:39 - Certificate of Deposits 00:33:42 - Quantitative Tightening 00:36:42 - The Deposit Requirement Facility 00:45:38 - Other Central Banks and Demand-Driven Systems 00:58:16 - Outro

Taking deposits to hold cars for buyers is something that's hotly debated in the car industry (believe it or not) - let's get into why deposits matter. Plus, a Pennsylvania car dealer goes to jail.Resources/articles referenced in this episode:https://www.justice.gov/usao-mdpa/pr/harrisburg-drug-trafficker-sentenced-20-years-prison-trafficking-marijuana-and-cocaineSupport us on Patreon for bonus, exclusive content + live stream access https://www.patreon.com/switchcastFor more information on SwitchCast & to submit vanity plates, check out our website: https://switchcast.live/Please visit our sponsors:https://sheffieldwatches.com/ - mention "SWITCHCAST"https://www.nuts4sticks.com/ - discount code "SWITCHCAST" for 10% discounthttps://switchcars.comhttps://epicvin.com/?a_aid=vvttz3hc9ogvd- the supplemental vehicle history reports you really need. Use our affiliate link!https://solonspine.com/ - Are you crooked? Solon Spine will straighten you out!Follow our socials:https://www.facebook.com/SwitchcarsInchttps://www.tiktok.com/@switchcarsdoughttps://www.instagram.com/switchcars

Modi Checkmates Trump - 5 Things You Need to Know About Gold and Silver Deposits NOW

Send us a textGrowth feels glamorous right up to the moment it sends the bill. We open up about the hidden price tags—time, energy, comfort, even identity—and why those early withdrawals are proof you're headed in the right direction, not signs you're failing. Through a candid story of stepping away from a successful collaboration to build a certification from the ground up, we unpack what it takes to stop relying on someone else's system, take ownership, and design a method you can stand behind.You'll hear how confidence often lags behind competence, why results rarely show up first, and how to judge progress by capability instead of instant revenue. We share practical ways to build foundations that last: tight feedback loops, clear teaching frameworks, and environments that invite real growth. If you've ever wondered when to leave stability, how to push past the dip, or how to know whether the pain is productive, this conversation gives you a simple lens: growth makes withdrawals before it makes deposits.From there, we turn to momentum. Once you've paid the upfront costs, keeping momentum becomes easier when you reduce transitions, codify your process, and schedule deliberate stretch so comfort doesn't creep back in. Expect straight talk about risk, simple tools to make progress visible, and questions to help you decide what to leave behind and what you're ready to claim next.If this resonated, follow the show, share it with someone at a crossroads, and leave a quick review so more builders can find it. Tell us: what are you ready to let go of to move forward?Interested becoming a High Impact Coach? The High Impact Mastery Academy by Modern Leadership Coaching helps you: Serve Your Clients Better Accelerate Client Progress Stand Out as a Certified Coach Join the waitlist today:https://www.modernleadership.us/mastery

Healthy partnerships don't survive on love alone, they thrive on daily emotional investment.In this episode of Rich in Relationship, Rich Heller breaks down what it really means to invest in your partnership through trust deposits and repair rituals. These aren't grand gestures or long talks, they're small, consistent actions that keep your emotional portfolio strong, even when life gets stressful.Rich introduces the idea of building an emotional portfolio, not just an emotional bank. Just like finances, relationships grow through regular deposits, occasional bigger investments, and intentional maintenance. Through the story of Brad and Gwen, he shows how couples can stop reacting, repair faster, and create safety even when old triggers and wounds get activated.You'll learn:- Why small disagreements feel bigger than they should- How emotional maintenance prevents relationship “blowups”- What a 2–3 minute repair ritual actually looks like- Why vulnerability and trust are built daily, not in one moment- How micro trust-building creates long-term emotional securityThis episode is part of the Building a Partnership series and offers practical tools you can start using immediately even if stress is high and time is limited.As we head into 2026, this conversation sets the foundation for stronger families, deeper partnerships, and a healthier emotional future.If you want 2026 to be different, stop chasing outcomes and start creating from identity. This is your invitation to begin the year on your terms — with intention, clarity, and truth.Enrollment for the 2026 New-Solution Workshop is now open. Step in. Start new. Stay aligned.

Healthy partnerships don't survive on love alone, they thrive on daily emotional investment.In this episode of Rich in Relationship, Rich Heller breaks down what it really means to invest in your partnership through trust deposits and repair rituals. These aren't grand gestures or long talks, they're small, consistent actions that keep your emotional portfolio strong, even when life gets stressful.Rich introduces the idea of building an emotional portfolio, not just an emotional bank. Just like finances, relationships grow through regular deposits, occasional bigger investments, and intentional maintenance. Through the story of Brad and Gwen, he shows how couples can stop reacting, repair faster, and create safety even when old triggers and wounds get activated.You'll learn:- Why small disagreements feel bigger than they should- How emotional maintenance prevents relationship “blowups”- What a 2–3 minute repair ritual actually looks like- Why vulnerability and trust are built daily, not in one moment- How micro trust-building creates long-term emotional securityThis episode is part of the Building a Partnership series and offers practical tools you can start using immediately even if stress is high and time is limited.As we head into 2026, this conversation sets the foundation for stronger families, deeper partnerships, and a healthier emotional future.If you want 2026 to be different, stop chasing outcomes and start ⁠creating from identity.⁠ This is your invitation to begin the year on your terms — with intention, clarity, and truth.Enrollment for the ⁠2026 New-Solution Workshop⁠ is now open. Step in. Start new. Stay aligned.

Stay out of the cold with these hot budget tips as Tyler breaks down exactly how he budgets a real porch job, from the precon fee and deposit strategy to tracking every cost day by day. The big takeaway is how to communicate "extras" without panic, keep cashflow protected, and still finish strong without rushing. Show Notes:00:00 Cold office, hot topic 02:05 Precon fee and setting the budget 05:15 Deposits and staying out of the red 08:40 Daily tracking and invoice cycles 13:55 Calling out extras without change-order chaos 20:45 Reconciling budget vs real costs 27:35 Don't rush the finish 30:10 Wrap and why he won't show the spreadsheet Video Version:https://youtu.be/4woZAp_WBqU   Partners:  Andersen Windows Buildertrend Harnish Workwear  Use code H1025 and get 10% off their H-label gear NAHB International Builders' Show   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media       Partners:  Andersen Windows Buildertrend Harnish Workwear  Use code H1025 and get 10% off their H-label gear NAHB International Builders' Show   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media

HEADLINES:• Kalshi Adds Binance's BNB for Deposits and Withdrawals• Ronaldo, Georgina Rodríguez buy luxury villas at Saudi Arabia's Red Sea destination• US Watchdog Reviews Ethics Probe Request Into Trump Officials Over Chip Export Deal• The Future of Trading in the UAE: A Conversation with Traders Hub's Hafez BakerNewsletter: https://aug.us/4jqModrWhatsApp: https://aug.us/40FdYLUInstagram: https://aug.us/4ihltzQTiktok: https://aug.us/4lnV0D8Smashi Business Show (Mon-Friday): https://aug.us/3BTU2MY

Dr. Gilbert Doctorow : Will the EU Steal Russian Bank Deposits?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Coinbase just made a huge move: stablecoin yields are gone for regular users and moved behind a paywall. What does this mean for DeFi, crypto investors, and yield hunters? At the same time, Robinhood is shaking things up — launching bold new prediction market products that could change retail investing forever.~This episode is sponsored by Uphold~Uphold Get $20 in Bitcoin - Signup & Verify and trade at least $100 of any crypto within your first 30 days ➜ https://bit.ly/pbnuphold00:00 intro00:06 Coinbase ends free yields00:51 Robinhood Gold vs Coinbase One01:21 Sponsor: Uphold 02:35 Coinbase announcements today03:12 Robinhood Supercycle?03:55 Rebels04:28 Prediction Market upgrades05:00 Prediction Market survives bear market05:36 Robinhood Insurance Coming05:56 Custom Combo Markets06:29 Culture is bigger than sports07:06 Robinhood A.I. Cortex08:16 Which Exchange Will Win A.I.?09:02 Tokenized Stocks on Robinhood09:59 Marketshare Comparison10:26 xStocks Holders Hold Robinhood10:50 Securitize Launches Stocks11:14 Market Growth Potential12:24 Bullish Case is Bigger13:05 CLARITY Act Delayed14:20 Robinhood Doesn't Care14:49 Visa & Bank Lobby is Winning16:37 Exciting Updates Coming Today?17:20 $COIN vs $HOOD18:14 outro#Crypto #bitcoin #Ethereum~Coinbase Removes Stablecoin Yields!

The Legal Team talks about a new case law surrounding pet deposits and emotional support animals. Read the full case here: https://law.justia.com/cases/federal/district-courts/louisiana/laedce/2:2024cv00750/268535/93/

Ian Korgel, from Scratchwerkes.com, shares his journey from starting a detailing business in North Dakota, to expanding into various sectors including agriculture and aviation. On this first episode of the 5th season of the Calling All Detailers Podcast, Ian also discusses the challenges of working in extreme cold, strategies for attracting clients, and the importance of word-of-mouth marketing. Ian also delves into his new consulting services aimed at helping other detailers succeed, emphasizing the significance of confidence in sales and the necessity of deposits. The discussion highlights the intricacies of polishing techniques for different substrates and the importance of building trust with clients. The Takeaways: Ian started detailing while in college, inspired by a friend's advice. He operates a mobile detailing business in North Dakota, often in heated shops. Word of mouth and social media have been key to attracting agricultural clients. Polishing techniques vary based on the type of paint and substrate. Ian has expanded his services to include aviation detailing. He launched a YouTube channel (  @IanPolishes  ) to showcase his work and educate others. Consulting services are available for new and experienced detailers. Structuring service packages as good, better, best can help clients choose. Traveling for work has opened new opportunities in warmer states. Confidence and action are crucial for success in the detailing business. Sound bites "Confidence sells." "Keep it short and sweet." "Life happens, stuff happens." Podcast Chapters: 00:00 Introduction to Ian Korgel and His Journey 02:13 Navigating the Cold: Detailing in North Dakota 03:58 Attracting Agricultural Clients: Strategies and Insights 05:47 Polishing Techniques for Agricultural Equipment 07:55 Expanding into Aviation: Ian's Experience with Planes 10:02 The Barn Find: Reviving a Vintage Airplane 11:00 Consulting Services for Detailers: Sharing Knowledge 14:01 Good, Better, Best: Structuring Service Packages 16:05 Future Plans: Expanding Services Beyond North Dakota 20:21 Polishing Techniques and Challenges 22:49 Sales Strategies for Detailers 26:35 The Importance of Deposits 30:11 Pricing and Value in Detailing 32:28 Networking and Collaboration in the Industry Calling All Detailers include Detailing Enthusiasts - DIY and Detail Professionals. Our goal is to help Detailers earn more money, by helping then Create more SUCCESS through Knowledge, Motivation and the 10X Mindset, Plus incorporate Common Sense and Sales & Marketing Strategies to their business plans. Be sure to use the best Detailing Supplies and Ceramic Coatings in the world. Pearl Nano. Grab your free Wholesale account at CallingAllDetailers.com Links to the websites are below. Watch my free, 16 chapter, online course all about how to 10X your detailing business: https://www.youtube.com/playlist?list=PLbQrc3JEe48FEqkR1hTNzhAMwDBS_6Y9Y Check out the Calling All Detailers Podcast (Business + Products + Community): https://open.spotify.com/show/2spT8MrFQPrl0rwpjo6cbN Join our Private Facebook group - a community of experienced detailers who use Pearl Nano products: https://www.facebook.com/groups/1071820092849444/ Sign up for your free wholesale account: https://callingalldetailers.com/pages/wholesale Launch your own brand of car care products: https://www.privatelabelcarcare.com/ or apply here: https://callingalldetailers.com/pages/private-labeling ------------------------- Schedule your podcast interview at Calendly.com/Callingalldetailers ------------------------- BEST PRODUCT-RELATED RESOURCES: Selling Car Care Products? Which ones to begin with and why: https://youtu.be/oikt-NbtFL0 Launching Your Own Brand of Amazing Car Care Products: https://www.privatelabelcarcare.com/ Buy Pearl Nano - Retail/ DIY Detailers: PearlNano.com - https://pearlnano.com/ Buy Pearl Nano Wholesale for Detailing Professionals" CallingAllDetailers.com - http://CallingAllDetailers.com ---------- Follow me: • Instagram: https://www.instagram.com/callingalldetailers/ • Tiktok: https://www.tiktok.com/@pearlnano • YouTube: https://www.youtube.com/@callingalldetailers Facebook https://www.facebook.com/CallingAllDetailers It sounds cliche, but my job is to make you money! I do that by helping, teaching, and mentoring you. From a 10X mindset to motivation and driven dedication. It's all hard work, but it all comes from within. I also offer the best detail supplies in the world. If you don't believe me, order a sample pack and see for yourself. https://pearlnano.com/products/pearl-nano-sample-pack-with-coatings-pro-only For order directly, please contact: Sales@PearlNano.com #AutoDetailing #carcareproducts #privatelabelcarcare #MakeMoreMoney #Detailing #10XDETAIL #PEARLNANO #callingalldetailers #autodetail #ceramiccoating #detailingprofessionals

Pepe Escobar : Stealing Russian Bank Deposits.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's episode we're fresh back from Argentina with stories from Devconnect Argentina 2025, DuneCon, and our Patagonia side quest. We go deep on bridges, what they are, how hard they are to track, and the unique challenges of reconciling cross-chain transfers. We explore the efforts to synthetically tie together bridge inflows and outflows, and why “perfect” data may not be possible, but “good” data is still incredibly powerful. We dive into new datasets, what makes their approach special, and how analysts can contribute. And much more—enjoy!— Timestamps: (00:00) Introduction (00:55) Argentina recap (05:46) Def Connect issues (06:13) Data for non-wizards (07:41) Patagonia reflections (10:46) Bridges talk overview (20:41) Bridge data challenges (28:15) 80/20 data mindset (30:05) Deposits & withdrawals linked (33:20) Timing data limits (36:51) Counting blocks (38:55) Bridge performance metrics (39:35) Community contributions (40:00) Outro— Follow the co-hosts:https://x.com/hildobby https://x.com/0xBoxe https://x.com/sui414Follow the Indexed Podcast:https://twitter.com/indexed_pod—The Indexed Podcast discusses hot topics, trendy metrics and chart crimes in the crypto industry, with a new episode every 1st and 3rd Thursday of the month, brought to you by wizards @hildobby_ @0xBoxer @sui414.Subscribe/follow the show and leave a comment to help us grow the show!—DISCLAIMER: All information presented here should not be relied upon as legal, financial, investment, tax or even life advice. The views expressed in the podcast are not representative of hosts' employers views. We are acting independently of our respective professional roles.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, Mark Treichel speaks with Dan Prezioso, Partner at Olden Lane, about the demographic shift reshaping credit unions and why deposit competition is entering a new era.Dan shares data and insights from multiple national surveys, macro trends, and firsthand M&A activity, including:Why strategic mergers are already breaking NCUA approval records in 2025The shrinking role of baby boomers as depositors, borrowers, and primary financial institution usersWhy Gen Z and millennials are saving more — but choosing Robinhood, Coinbase, and SoFi over traditional credit unionsThe alarming statistic that 37% of Gen Z credit union members are likely to switch institutions in the next 12 months“Real” deposit growth vs. nominal growth, and why rising OPEX may force additional consolidationThe engagement deficit: younger members don't think of credit unions as their everyday financial partnerWhat credit unions can do right now to stay relevant in the next decadeDan also highlights examples of institutions that are getting it right — from fractional real estate investing to budgeting tools and crypto-enabled debit cards — and explains what boards should be asking their CEOs in 2026 strategic planning.

Most people assume you need $20 million, a bank charter, a building, employees, and 10 years before a bank ever makes a profit.  But Nelson Nash reveals a far simpler way to create your own banking system, one that's been quietly working for over 200 years.

What if the most powerful tool for building trust in your classroom isn't a strategy or a curriculm—but a relationship? Join Molly and guest Jamie Monday, Lighthouse Coordinator at Verrado Heritage School, as they talk about how an Emotional Bank Account practice can transform school culture—and how you can bring that joy into your classroom starting today.

Scott Hildenbrand, Managing Director at Piper Sandler joins us as we review discussions bank boards should be having as they enter budget and strategic planning season.  We discuss raising capital and taking balance sheet losses as strategic moves to improve future earnings.  Send us a textPresented by Remedy ConsultingFor more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

One year after relocating to Mexico, Erin Spradlin and James Carlson share three options for handling property when leaving the US—and why their choice saved their marriage.

Get the AD-FREE version of my sessions - PLUS playlists, repeat options, offline access, and THOUSANDS more sessions for day, sleep, and deep 4-hour sleep at https://www.freehypnosis.app We are back with another Power Talk in a powerful anology of Deposits & Withdrawals and how it can transform the way you think and become.

Part 2 of the “How to Order a New Car” crossover with A Girl's Guide to CarsSUMMARYThis episode picks up where Part 1 of our crossover with Scotty Reiss left off. On her show, What Drives Her from A Girl's Guide to Cars, we busted the myth of the “factory order” and why so many buyers are told they can't custom-order their dream car and how dealer allocations actually control what gets built.Now, in Part 2 on The Straight Shift, LeeAnn Shattuck (The Car Chick®) takes the wheel with the tactical side of the story. We dive into how to make the system work for you — what to do when a dealer says “no,” how dealer trades really happen, how to lock in your price, and how to protect your deposit.It's the no-BS, real-world guide to actually getting the car you want — whether you're ordering a Porsche, a Subaru hybrid, or just trying to avoid the dreaded “allocation shuffle.”

In this episode of Do The Work | Mindset Mastery... I shared what it feels like when everything begins to align. There's this undeniable energy right now a momentum that feels like a tsunami of opportunity. And that feeling only comes when you've spent years making small, consistent deposits into yourself. It's about the preparation before the payoff, the unseen hours before the spotlight, and the faith in what you've built when no one else is watching. I used to say it during my Ironman training: we're doing this alone together. That phrase still holds true in real estate, leadership, and life. Each of us has to put in the work individually, but collectively, we rise higher. What I'm seeing right now inside our organization reminds me of those marathon runners who were once out of shape and uncertain, now setting personal records because they stayed consistent. Those daily deposits physical, spiritual, emotional are what build the capacity to lead, to create, and to sustain growth. The truth is, something massive is on the horizon. But opportunity doesn't favor the unprepared. If you're not building yourself daily, that same wave that lifts others could crush you. Many will look for shortcuts or latch onto someone else's success instead of doing the work themselves. But the real growth comes from understanding that it's you who must make those daily choices. It's you who must show up and prove it to yourself before the world believes it. Over the next few months, we're preparing to announce four major moves that will redefine who we are as a company. These decisions are born out of years of preparation out of the same consistent habits we've preached since the beginning. And when I think back on moments like 2020, when others pulled back and we expanded, it reminds me that courage in uncertain times creates legacy. The same principles apply today. I've been revisiting books like Loving What Is and The Big Leap, seeing them through a new lens because of all the growth that's happened since I first read them. What once felt like theory now feels like confirmation. When you evolve, your perspective changes. The same words hit differently when you've earned the experience behind them. This business, this life it's not about luck or waiting for the right moment. It's about building the right foundation so that when the wave of opportunity comes, you're ready to ride it. That's what these last twelve years have been about for me: small daily actions, taken consistently, leading to a lifestyle I once only imagined. From the cars, the home, the Christmas trees we just put up none of it was luck. It was the result of discipline, self-awareness, and faith. And I'm proud of that younger version of myself who refused to give up when things were dark. The guy who felt hopeless but made a decision to change. That decision, followed by daily deposits, changed everything. You have that same power. You can start now, today, right where you are. We're entering a new era one where preparation meets opportunity. Some will rise, others will get swept under. But if you've been doing the work, 2026 will be your year to dominate. So lean in. Revisit the fundamentals. Read the books. Build yourself first, because your growth fuels everything else. We're doing this alone together. Let's ride the wave. Reader Reflection Questions What small deposits are you making daily that will prepare you for the opportunities ahead? How often do you revisit your vision and remind yourself that you're capable of more? When fear or uncertainty creeps in, how do you shift your focus back to discipline and faith in your process? Notable Quotes "We're doing this alone together." "Small deposits create big results." "You can't build a great life without first building yourself." Follow A.Z. Araujo on Social Media: Instagram: @azaraujo Facebook: A.Z. Araujo TikTok: A.Z. Araujo YouTube: Do The Work Podcast   For Real Estate Agents in AZ: Learn more about Do The Work Coaching and A.Z. & Associates: dothework.com/azaa   Upcoming Events: If you're a real estate brokerage owner, sign up for one of our upcoming events. Visit: dothework.com bigmoneybrokerage.com Join my mailing list for updates!   New Do The Work Gear: Check out the latest DTW and Do The Work Gear! Hats, shirts, journals, and more: • • shop.dothework.com

Click here to register for the FREE First Responder Leadership Mastermind Preview.   EPISODE 107 Small Deposits, Big Returns: A Realistic Wellness Plan for Agencies - Andy Wilson   Director Andy Wilson, Ohio's Director of Public Safety, joins Conrad Weaver to talk frankly about the human cost of public safety work and what leaders must do to protect the people who protect us. Andy explains how chronic and acute stress shorten careers and lives, why proactive — not just reactive — wellness matters, and how simple, practical programs (fitness, nutrition, hands-on skills, mindset, and relationships) reduce sick time, complaints, and burnout. He also shares concrete training ideas, how to build cultural buy-in from the top and the shift level, and what leaders can do today to start changing their agencies. Episode: First Responder Wellness Podcast — Director Andy Wilson on proactive wellness, training, and leadership Host: Conrad Weaver Guest: Director Andy Wilson, Director of Public Safety, State of Ohio Top takeaways Wellness is life-preserving — physical fitness can literally save lives on duty and post-career health. Trauma is layered: critical incidents, day-to-day exposure, and vicarious trauma all accumulate. Proactive wellness (not just reactive counseling after critical incidents) reduces downstream problems. Training must be regular and accessible — skills are perishable. Start small and scale people in. Leaders lead by example — visible participation wins culture change. First step: listen to your people, identify champions, build a modest, measurable pilot, and communicate outcomes to stakeholders. Resources mentioned Ohio Department of Public Safety (contact via communications office) — Andy invites other leaders to connect. Independence Police Department wellness model (food prep, on-shift time for fitness) PTSD911 Film and Educational Toolkit. How to share feedback Email Conrad at ptsd911movie@gmail.com or leave a rating/review on Apple Podcasts — it helps us reach more first-responder leaders.   +++++ FIRST RESPONDER WELLNESS PODCAST   Order the PTSD911 Film and Educational Toolkit here: https://ptsd911movie.com/toolkit/ Web site:  https://ptsd911movie.com/ Instagram: https://www.instagram.com/ptsd911movie/ Facebook: https://www.facebook.com/ptsd911movie/ YouTube: https://www.youtube.com/channel/UClQ8jxjxYqHgFQixBK4Bl0Q Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/first-responder-wellness-podcast/id1535675703 Listen on Spotify: https://open.spotify.com/show/2wW72dLZOKkO1QYUPzL2ih Purchase the PTSD911 film for your public safety agency or organization: https://ptsd911movie.com/toolkit/ The First Responder Wellness Podcast is a production of ConjoStudios, LLC Copyright ©2025 ConjoStudios, LLC - All rights Reserved.

Colorado security deposit laws are changing dramatically on January 1, 2026, with new documentation requirements that eliminate automatic cleaning fees. Attorney Wes Wolenweber with 26 years experience explains how missing a single 60-day deadline triggers automatic treble damages turning $2,000 disputes into $6,000 judgments. These new Colorado security deposit laws under HB 25-1249 require landlords to update lease language and deduction policies immediately to avoid costly penalties.

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz shares their strategies to help you build wealth after receiving a raise in your job. ---

In this episode, Veronique Steiner, head of EMEA Innovation Economy, and Lori Schwartz, global head of Treasury Services, sit down at Money20/20 Middle East in Riyadh to discuss the trends shaping the region's financial system. Together, they explore the rapid growth of financial services in the Middle East, the impact of technology on cross-border payments and the importance of striking a balance between security and innovation in a fast-changing landscape. Hear insights on the future of fintech, the role of open banking and how J.P. Morgan Payments is helping clients navigate new opportunities in Saudi Arabia and beyond.    This episode was recorded on September 15, 2025.   J.P. Morgan and third parties listed on this page have not entered into a legal partnership to provide the services described above. Third party trademarks, brand names, and descriptions of products and services that appear on this page are provided by the respective third party. J.P. Morgan is not liable or responsible for such trademarks, brand names, descriptions of products, companies and or services. J.P. Morgan may generate profit from the use of any services or products provided by the third parties. Nothing in this material shall be taken as an endorsement of any third party or advice on the suitability of the third party's services for the client. You shall make an independent determination for selection of the services provided by the third parties. Neither J.P. Morgan, nor its affiliates, shall be liable to you for any loss or liability suffered by you from the use of the third party's services. The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information's accuracy or completeness.  The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such. Any Future capabilities of mobility payment systems are under development; features and timelines are subject to change at the Bank's sole discretion.   © 2025 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured.  Non-deposit products are not FDIC insured. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit  jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Licensed mental health counselor and author Jill Sylvester discusses strategies and tips, along with trusting your own inner voice, to live your very best life.   Today's discussion: 5 Minute Counseling: Do You Make Daily Deposits to Your Mental Health?Contact Jill SylvesterFollow us on IG @jillsylvesterSend us questions or feedback at jill@jillsylvester.comFor more information or to check out our other products: www.jillsylvester.comThanks to Carl Sylvester for production, Jon Grabowski for sound engineering, Tracy Colucci for newsletter creation, and Good Health Hanover Massachusetts for sponsorship. With their support, the TYI podcast is made possible for YOU to gain personal development strategies and live your best life. Thanks for listening!

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through the five financial accounts you need to set up BEFORE the calendar turns to 2026. ---

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Caller Questions & More: Dr. Alice gives advice on what to do when your kids withdraw from you. Deposits in relationships pay dividends down the road. What can I do when my husband gives me the silent treatment? He's been silent for five weeks now. I was married to a con artist for 17 months […]

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Bilal Little, the Director of Exchange Traded Products at the New York Stock Exchange. Bilal uncovered headline-worthy statistics surrounding ETFs, as well as shared his own definition of "diversification" when it comes to investing. ---

In this episode of Do The Work | Mindset Mastery, I talk about the power of deposits the small, consistent actions that build the life you truly want. The Vision That Started It All This past weekend, I celebrated my birthday surrounded by my family. It reminded me how far I've come from that 16 year old kid who dreamed of owning his first car. Back then, I didn't have the money, but I had a clear vision. I knew exactly what I wanted, and that vision became the fuel that carried me through the work that was required. Every lawn I cut, every car I washed, every dollar I saved was a deposit toward that goal. My parents taught me that work ethic mattered, but I learned early that effort without direction isn't enough. You need a vision to reinforce your actions. That's what kept me going knowing that each deposit, no matter how small, was getting me closer to something bigger. When I finally bought that red 1987 Nissan Sentra, it wasn't just about the car. It was about proving to myself that anything I truly want requires consistent deposits over time. Deposits and Withdrawals That same principle applies to everything in life business, marriage, health, and faith. For years, I forgot that. I worked hard but neglected the deposits that mattered most. In my marriage, I withdrew more than I deposited. I expected peace, connection, and understanding, but I wasn't putting in the daily effort to earn them. The same thing happened in my business. I made the right deposits for a while, saw success, then stopped reinforcing those habits. When challenges hit, I had nothing left to pull from. I was overdrafted emotionally, mentally, and financially. It wasn't until my mid 30s that I realized the pattern. The moments I neglected myself skipped workouts, ignored my faith, avoided hard conversations were withdrawals. Every ignored priority created debt that showed up later as frustration, stress, or failure. The Power of Preparation Life will test you. You can make every deposit and still face setbacks. What matters is whether you've prepared yourself to recover. When I had surgery recently, I was back at the office the next day not because I'm superhuman, but because my body and mind are conditioned through years of consistent deposits. The same applies to business and relationships. You can't expect to withstand challenges if you haven't built the endurance to do so. Most people don't break because of one bad day. They break because of a slow burn months or years of neglecting the deposits that build strength and clarity. That's why I train daily. That's why I eat clean, journal, pray, and stay connected to my purpose. These actions prepare me for the inevitable withdrawals life demands. Living from Surplus The goal isn't just to make deposits it's to create a surplus. When you live in surplus, you operate from overflow, not survival. You can give more to your family, your business, your faith, and your community because you're not running on empty. Scarcity, abundance, and prosperity are all connected. Scarcity is survival mode. Abundance feels good but can vanish with one bad decision. Prosperity is the standard when your deposits are so consistent that even a setback can't derail you. That's what I'm building toward every day. Prosperity in mind, body, and spirit. It's what allows me to show up for my family, lead this company, and continue to grow with purpose. Reflection Questions Where in your life are you trying to withdraw without first making enough deposits? What daily actions could you commit to that would strengthen your spiritual, mental, or physical bank accounts? Are you living in scarcity, abundance, or prosperity and what would it take to reach the next level? Notable Quotes “Anything that I want is going to require deposits.” “Every skipped workout, every ignored conversation, every avoided marketing piece it all adds up.” “The goal is not just to make deposits but to build a surplus that allows you to live from overflow, not survival.” Follow A.Z. Araujo on Social Media: Instagram: @azaraujo Facebook: A.Z. Araujo TikTok: A.Z. Araujo YouTube: Do The Work Podcast   For Real Estate Agents in AZ: Learn more about Do The Work Coaching and A.Z. & Associates: dothework.com/azaa   Upcoming Events: If you're a real estate brokerage owner, sign up for one of our upcoming events. Visit: dothework.com bigmoneybrokerage.com Join my mailing list for updates!   New Do The Work Gear: Check out the latest DTW and Do The Work Gear! Hats, shirts, journals, and more: • • shop.dothework.com

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!Thank you all SO much for leaving such kind comments last week on our 100th Q&A episode, we're incredibly grateful to have so many of you that come back every week to listen to our show. ---

In this conversation, Tim Stuart shares his firsthand experience at a real estate auction, detailing the process and dynamics involved in property sales through auctions. He highlights the roles of auctioneers and the excitement of bidding.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Stephen Sikes, the COO of Public to discuss their newest product launch -- direct indexing!---

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their year-end money checklist to save on taxes and ensure wealth building for decades to come. ---

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---⚙️ Automate your entire financial workflow, from investing to saving, with ⁠Sequence⁠.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Ilya Pozin, the co-founder and CEO of Telly. Telly's business model is simple: give away premium TVs for free, then make money on the backend with ads. To learn more about Ilya Pozin, follow him on X and Instagram. To sign up for Telly's waitlist, visit their website. ---

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz explain how $9.99 tricks your brain into buying more subscriptions than you need. By simply investing the $194 / month the average American has in subscriptions they don't use at 12% over 30 years, you'll have $678K in retirement. ---