Podcasts about designate

Christy Hunter started Photo Walk Nashville seven years ago after discovering Airbnb Experiences, combining her photography skills with local knowledge to create tours that capture memories for travelers. What began as open photo shoots quickly evolved as she learned to segment products for different customer types—bachelorette parties, couples, solo travelers, dog owners, and corporate groups.The conversation covers her product development journey, including early mistakes like mixing incompatible customer types and learning when to say no. Christy emphasizes the importance of local partnerships, sharing examples like teaming up with cosmetic brand Winky Lux for a home base and an apartment complex for rooftop access.On marketing, Christy shares her successful TikTok strategy: having team member Gina speak directly to camera as if she were a past guest ("You have to do this one thing in Nashville..."), which drove multiple viral videos and direct bookings. She also discusses influencer marketing from both sides—as a tour operator and as an influencer herself—stressing the importance of clear communication, doing research on engagement rates, and not asking for specific deliverables.Christy expanded to Charleston this year when a team member relocated, keeping the same operational model rather than franchising. She's also building Go To Nashville, an OTA reselling partner experiences through Tour Base's affiliate system. Looking ahead, she's focused on increasing capacity utilization rather than geographic expansion, and launching a consulting business to help other photographers and retailers enter the tourism space.Top 10 TakeawaysShe learned to segment products by customer type after mixing incompatible groups. Couples from Ohio and bachelorette parties on the same tour didn't work. She created separate experiences for bachelorette parties, dog owners, proposals, and corporate groups. She also had to add rules like no showing up intoxicated.Local partnerships solved operational problems. She partnered with Winky Lux cosmetics to use their store as a tour base. She partnered with an apartment complex to do one event per month in exchange for building access, free parking, gym, pool, and exclusive rooftop access for a champagne add-on.She met business partner Gina through Airbnb host meetups. Gina developed scheduling systems for Photo Walk and now leads their TikTok strategy. They found a part-time scheduling manager who is also one of their hosts to keep operations in the family.Styled shoots solve the content creation problem. Designate one day per quarter or year, hire models (friends and family work), hire a photographer, and simulate the tour experience. Creating content during real tours is too difficult.Their TikTok strategy: Gina speaks as if she's a past guest. She says "you have to do this one thing in Nashville" direct to camera. They had multiple viral videos and saw direct booking surges. They repeat the same hook for different demographics. TikTok shows it to different audiences each time.Influencer marketing is about clear communication and research. Look at engagement rates, not follower counts. Check if they have real followers by looking at views relative to follower count. Don't ask for specific deliverables. Show them a good time and they'll naturally post. Get expectations in writing.She hires photographers who are connectors and storytellers first. Technical skill matters, but being a people person is more important. She uses live view mode to avoid putting the camera between her and the guest. She tells guests upfront she has posing ideas so they relax.She tracks booking sources through Peak's intake form. She asks "how did you hear about us?" Her biggest...

A member of SEBI (Securities and Exchange Board of India) board will be asked to disclose any interest even that of his family member, while participating in the decision making, under a new proposed Bill -The securities markets code, 2025. Also, the market regulator will have to transfer its surplus to the government. The proposed law, once enacted, will replace the Securities Contracts (Regulation) Act, the Securities and Exchange Board of India Act, 1992 and the Depositories Act, 1996. Now, the Bill will be examined by a select committee before taken for consideration and passage. The Code further seeks to strengthen investor protection, promote investor education and awareness, and ensure effective and time-bound redressal of investor grievances. Moving on to the aviation sector…The Competition Commission of India (CCI) on Thursday initiated proceedings against IndiGo under the provisions of the Competition Act, 2002 for recent flight disruptions across various routes. According to a CCI communique, based on an “initial assessment” of the disruption in the aviation sector, proceedings will be initiated under the anti-competition law. What this means is that the Commission has formed a prima facie opinion about evidence of a market disruption caused by IndiGo's market dominance, to warrant a formal probe. The will follow a formal inquiry by the Director-General, which has the power to summon executives, record statements and demand internal company documents or mails. From aviation, let's turn to technology and manufacturing…India's newly-established semiconductor manufacturing units have begun production of commercial chips, marking a major milestone in the country's efforts to build a domestic electronics and manufacturing ecosystem, a top government official said on Thursday. Speaking on the sidelines of an event, S Krishnan, Secretary, Ministry of Electronics and Information Technology (MeitY) said that India's semiconductor programme was moving steadily towards full commitment under its first phase.Next, some big leadership changes in telecom…Bharti Airtel on Thursday said Shashwat Sharma, currently the CEO Designate, is all set to assume charge as Managing Director and CEO of the telco with effect from January 1, 2026. The board of India's second-largest telecom company has also greenlit the appointment of Vice Chairman and MD Gopal Vittal as Executive Vice Chairman from January 1, 2026, for five years, subject to the shareholders' approval. The board cleared the appointment of Chief Financial Officer Soumen Ray as Group Chief Financial Officer and Akhil Garg as Chief Financial Officer (Airtel India), effective January 1, 2026. Finally, a major development in Parliament…The Lok Sabha Speaker on Thursday passed the Viksit Bharat Guarantee for Rozgar and Ajeevika Mission (Gramin) (VB-G RAM G) Bill, 2025 that replaces the 20-year-old Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) amid tearing of the copies of the bill by opposition members.

1. National Security Concerns We open with alarming claims that 18,000 known or suspected terrorists have entered the U.S. during the Biden administration, allegedly due to lax border security. The source cited is testimony from Joe Kent, Director of the National Counterterrorism Center, during a House Homeland Security Committee hearing. Specific examples include Afghan nationals linked to terrorist organizations who entered under the Operation Allies Welcome program. The conversation emphasizes the risks posed by "got-aways" (migrants who evade border patrol) and criticizes the administration for prioritizing politics over security. 2. Artificial Intelligence (AI) and U.S. Leadership The second segment focuses on President Trump’s executive order aimed at centralizing AI regulation to prevent fragmented state-level rules. Senator Cruz frames AI as the “economic battle of the 21st century”, comparing it to the U.S. winning the internet race in the 1990s. Whoever leads in AI will shape global values—either American principles of liberty or China’s model of surveillance and control. Trump’s remarks highlight the need for a single federal approval system to accelerate AI development and maintain U.S. dominance. 3. Designating the Muslim Brotherhood as a Terrorist Organization Senator Cruz advocates for legislation to designate the Muslim Brotherhood and its affiliates as terrorist organizations. He explains a shift from a top-down approach (targeting the global organization) to a bottom-up strategy (starting with affiliates like Hamas). The discussion notes bipartisan support but criticizes the House for weakening the bill. Cruz stresses that allies such as Egypt, Saudi Arabia, and the UAE have already designated the group as a terrorist organization. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

New Years Resolutions for Parents of Teenagers Ready to transform your relationship with your teenager in the New Year? Join Kristina Campos, your host on The Impactful Parent Podcast, as she dives into six creative and strategic New Year Resolutions for parents designed to strengthen your bond and foster healthy habits for your teen. Forget unrealistic goals—these are practical, impactful parenting tips you can implement today! Strength Rate, Review, & Subscribe! "I love Kristina and all the FREE tips that she has to offer!  Thank you for making my parenting journey better!" 

A state senator has introduced a bill that would make the breaded pork tenderloin the state sandwich of Indiana.

A state senator has introduced a bill that would make the breaded pork tenderloin the state sandwich of Indiana.

A state senator has introduced a bill that would make the breaded pork tenderloin the state sandwich of Indiana.

How'd you say in German: “Tomorrow, the company will designate the upcoming boss.”?

In response to the murder of a National Guard soldier by one of the thousands of Afghan jihadists Joe Biden let into this country after he surrendered theirs to the Taliban, President Trump pledged to do, among other things, the following:  “I will permanently pause migration from all Third World Countries…, terminate all of the millions of Biden illegal admissions…and remove anyone who is not a net asset to the United States, or is incapable of loving our Country;                                                                               denaturalize migrants who undermine domestic tranquility, and deport any Foreign National who is a public charge, security risk, or non-compatible with Western Civilization.” The place to start with this ambitious agenda is by designating the U.S. chapter of the Muslim Brotherhood a terrorist organization, identifying and removing its operatives, and doing the same to their allies – many thousands of Chinese soldiers now in this country.  This is Frank Gaffney.

Brian Thompson loves a good spreadsheet, and in this episode, he's sharing some of his best tips for tracking metrics in a manageable, mission-aligned way. You'll learn how intentional tracking can help mission-driven entrepreneurs gain clarity, celebrate progress, and make better decisions. Drawing inspiration from investor and writer Sahil Bloom's Five Types of Wealth, Brian offers practical tools to help you track progress without it becoming a full-time job. Episode Highlights Tracking creates accountability Tracking transforms assumptions into awareness. If you're not measuring something, it's easy to tell yourself stories — I think I'm doing okay, or I feel behind. But those stories may or may not be true. Tracking brings reality into focus, creating accountability, strategy, and visible progress, shifting from emotional decision-making to data-informed clarity. Five types of wealth to track for mission-driven entrepreneurs Sahil Bloom is an investor, writer, and entrepreneur whose framework for thinking of wealth in five key domains — time, physical, mental, social, and financial wealth —  can also be adapted for entrepreneurs building mission-driven businesses. Tracking across all areas of wealth can give you a holistic picture of your business and your life. Time Wealth: How intentionally do you use your time? Are you working on your business or just in it? Social Wealth: Who are you connecting with? Do your clients, colleagues, or communities energize you or make you cringe? Mental Wealth: Are your decisions aligned with your purpose? Do you set time aside for a regular check-in on your mental well-being? Physical Wealth: Are you prioritizing rest, nourishment, and movement? Are you moving throughout the day? Financial Wealth: Do your finances support your ability to stay mission-driven and resilient? Are you able to meet all of your obligations? Start small and make it yours Tracking doesn't have to be complicated. To prevent overwhelm, pick one area to focus on first and use simple tools such as journaling,  scorecards, spreadsheets, or apps to help you track your progress.  Remember: The key is consistency, not perfection. Designate a specific day and time to review your data and choose a cadence you can stick to. Build your own Wealth Dashboard As a bonus, consider building a simple "Wealth Dashboard" to visualize your progress. Using tools like Google Sheets or Notion, log weekly or monthly metrics for each wealth category and spot imbalances before they become problems. Resources + Links "The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life" by Sahil Bloom Notion dashboards "Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine" by Mike Michalowicz Toggl time tracker Brian Thompson Financial: Website, Newsletter, Podcast Follow Brian Thompson Online: Instagram, Facebook, LinkedIn, X, Forbes About Brian and the Mission Driven Business Podcast Brian Thompson, JD/CFP, is a tax attorney and Certified Financial Planner® who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.  

Yesterday, President Trump established by executive order a process for designating “chapters and subdivisions” of the Muslim Brotherhood as foreign terrorist organizations. For those of us deeply concerned about this group's metastasizing enabling of sharia-supremacism globally, this is welcome news.  That said, the President's stated concerns about the threat the Brotherhood poses overseas to U.S. nationals and interests apply, if anything, even more to the many millions of us who can be harmed by the organization's vast numbers of radical clerics, mosques, front groups and terrorist cells operating in this country. So, will Mr. Trump's 30-day tasking to the Secretaries of State and Treasury “concerning the designation of any Muslim Brotherhood chapters or other subdivisions, including those in Lebanon, Jordan, and Egypt, as foreign terrorist organizations” allow for the threat the Brothers pose domestically to be addressed, as well?  It absolutely must. This is Frank Gaffney.

Targeting Terror: Muslim Brotherhood, Hezbollah, and Iran's Crises — Malcolm Hoenlein — Malcolm Hoenlein reports the U.S. is moving to designate the Muslim Brotherhood—Hamas progenitors—as a Foreign Terrorist Organization. He details Iran's severe internal crises, including critical water shortages and power blackouts caused by illegal cryptocurrency mining, alongside its continued drive to rebuild nuclear and conventional arsenals. Israel eliminated Hezbollah's second-in-command, Hashem Safieddine, in Beirut, directly countering Hezbollah's regeneration efforts in Lebanon. The U.S. is actively courting Saudi Arabia to counter China and Russia and encourage participation in the Abraham Accords.

The Weekly Blitz is brought to you by our friends over at Shop Marketing Pros. If you want to take your shop to the next level, you need great marketing. Shop Marketing Pros does top-tier marketing for top-tier shops. Click here to learn more about Top Tier Marketing by Shop Marketing Pros and schedule a demo: https://shopmarketingpros.com/chris/Check out their podcast here: https://autorepairmarketing.captivate.fm/If you would like to join their private facebook group go here: https://www.facebook.com/groups/autorepairmarketingmastermindSpecial Thanks to Our Sponsor:⭐ Shop Marketing Pros — helping auto repair shops tell their story, attract the right customers, and grow their business.

In the third hour, Marshall Harris, Clay Harbor and Russell Dorsey of Yahoo Sports discussed a variety of sports topics in the 5 On It segment. After that, Dorsey shared his reaction to left-hander Shota Imanaga accepting the one-year, $22-million qualifying offer to return to the Cubs in 2026. Later, Harris and Harbor reacted to the breaking news that the Bears have designated cornerback Kyler Gordon to return from injured reserve.

It's Tuesday, November 18th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Nigerian Muslims abduct 7 people in Borno State, Nigeria Persecution.org reports that seven people have been abducted in Chibok in Borno State, Nigeria, Africa. Boko Haram, the Muslim terrorist group, is suspected of involvement in this kidnapping of mothers and their children, including two daughters of a local pastor and an infant.   One resident described the atmosphere in the area as shock and fear.  She said, “I'm shocked and saddened by the attack. … My heart goes out to the families of the abducted. It's heartbreaking that this is happening weekly in Chibok. The silence is deafening — we must demand action from our leaders and support our troops to bring an end to this senseless violence.” 25 girls kidnapped in Kebbi State, Nigeria And this just in. The Associated Press reports that 25 girls were kidnapped yesterday morning from a high school in Kebbi State, Nigeria. Nigerian military opened fire on police in Benue State, Nigeria Meanwhile, the Nigerian military opened fire on a police patrol in Benue State last week. The patrol was offering protection to villagers from Fulani Muslim terrorists. Just another incident marking the unravelling of the social and political state of the Nigerian nation.  Congress might impose sanctions on Nigeria The United States House of Representatives Subcommittee on Africa has scheduled an open hearing this Thursday on the President's recent designation of Nigeria as a Country of Particular Concern. If ratified by the Senate, the designation would allow the U.S. to impose sanctions on Nigerian government officials found complicit in religious persecution. German authorities targeting homeschooling and Christian schooling Homeschooling and Christian schooling are under attack in Germany, again. The Dietrich Bonhoeffer International School in Germany is a part-homeschool and part-Christian school hybrid. After three court hearings over the last six years, education authorities are not forcing school closure. Two partner schools have been denied accreditation by German authorities.   Alliance Defending Freedom International is appealing the case to the European Court of Human Rights.  In 1920, Germany introduced public school compulsory attendance, By 1939,  almost all denominational  or confessional schools in the Reich were converted into “community schools” under state control or they were closed. Keep in mind, God is in control. In Isaiah 43:15-17, God says, “I am the Lord, your Holy One, The Creator of Israel, your King.” Thus says the Lord, who makes a way in the sea and a path through the mighty waters, who brings forth the chariot and horse, The army and the power, they shall lie down together, they shall not rise; They are extinguished, they are quenched like a wick.” Marco Rubio to designate Venezuelan cartel as terrorist group Secretary of State Marco Rubio announced Sunday that the State Department would designate Cartel de los Soles or Cartel of the Suns as a Foreign Terrorist Organization. It will take place within a week. The cartel is believed to be headed by Venezuelan President Nicolás Maduro and his cronies.   The State Department press release promised that the United States would use “all available tools to protect our national security interests and deny funding and resources to narco-terrorists.” Since September, the U.S. military has completed 21 attacks on boats thought to be carrying drugs in the Caribbean seas.  As of Saturday, 83 people aboard ships have been killed, and 22 ships sunk.  State Department called Maduro “one of largest narco-traffickers” Not only has the State Department referred to Venezuelan President Nicolás Maduro as "one of the largest narco-traffickers in the world,” but also the U.S. government has offered a $50 million reward for information leading to his arrest.  Venezuela's Gross Domestic Product has sunk from $371 billion in 2013, when Madura was elected, to an estimated $107 billion this year.   HIs government is known for having killed thousands of political enemies. In his early years, Maduro was trained as a communist in Cuba, and leads the United Socialist Party of Venezuela. Venezuela, once rich oil-based country, no relies on illegal drugs Venezuela was one of the most prosperous states in South America back in the 1980s and 1990s, that is, until a left-wing politician named Hugo Chávez was elected as President in 1998. Since then, the country has shifted from an oil-based economy to a drug-based economy. Venezuelan oil production has dropped off by 75% since the late 90s. Proverbs 28:16 speaks to this: “Like a roaring lion and a charging bear Is a wicked ruler over poor people. A ruler who lacks understanding is a great oppressor, but he who hates covetousness will prolong his days.” African, Muslim & Eastern countries vs West on trust in governments The Edelman International Survey finds that the people of African, Muslim, and Eastern countries are far more optimistic about the future of their nations than the people in Western countries. Those who live in Kenya, Indonesia, India, China, and Saudi Arabia are very optimistic — over 50% believe the next generation will be better off. By contrast, the population of France, Germany, Netherlands, Italy, Australia, the United Kingdom, Sweden, and Canada are extremely pessimistic — barely 9-20% could say the same thing. In terms of distrust of governments, the people of Japan, Germany, Spain, Colombia, and South Africa were highly distrustful. But those who live in Saudi Arabia, China, India, Singapore, Malaysia, and Indonesia registered high trust in governments. Hollywood's economic slump And, finally, Hollywood has gone into an economic tailspin — now sporting the worst summer season in 44 years. At $3.67 billion, Tinseltown's summer box office season registered a 43% decrease from the peak year of 2013, adjusted for inflation.  Pagan worldview of How to Train Your Dragon 2025 In case you missed it, How to Train Your Dragon 2025 featured a pagan worldview with ample references to the ancient demonic gods of Odin and Thor, not to mention the witch consulting bones and magic. Jurassic Park Rebirth advocated the evolution of man, environmentalism, and the woke of feminism.   And Superman 2025 got a little political and wokey around the edges, once more setting the worldview of existentialism against the polytheism of the superheroes. Close And that's The Worldview on this Tuesday, November 18th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus. Seize the day for Jesus Christ.

Interview with Riaan Davel, CFO, and Henriette Hooijer, CFO Designate and GM: Finance of DRDGOLD Ltd.Our previous interview: https://www.cruxinvestor.com/posts/drdgold-nysedrd-moving-towards-200000-oz-gold-production-from-tailings-8411Recording date: 17th November 2025DRDGOLD Limited, a 130-year-old South African gold mining company, is executing a carefully orchestrated leadership transition as CFO Riaan Davel prepares to hand over responsibilities to Henriette Hooijer on February 1, 2026. The succession, built on a 20-year working relationship including nine years together at DRDGOLD, reflects the company's commitment to maintaining strategic continuity as it pursues ambitious growth plans.The company operates a distinctive business model focused on surface tailings retreatment—processing historical mining waste to extract gold while simultaneously remediating over a century of environmental damage. This "mega volumes, nano recovery" approach processes material containing just 200 parts per billion of gold, demonstrating that environmental restoration and economic viability need not be mutually exclusive. As Davel explains, "We own waste essentially. So how do we make the most of that?"DRDGOLD's disciplined execution has generated impressive results. Market capitalization has grown to approximately $2 billion, enabling capital deployment of roughly 10 billion rand in recent years, with another 8 billion rand planned over the next three years. This investment is building infrastructure designed for 20-40 year operational lifespans at operations like Far West, while repositioning the older Ergo facility for improved cost efficiency.Despite favorable gold prices—currently around 2.2 million rand per kilogram versus 600,000 rand when Far West was initially planned- management maintains the cost discipline developed during tougher market conditions. The company has paid dividends for 18 consecutive years while internally financing major capital projects, balancing stakeholder interests through what Davel describes as keeping "all your stakeholders equally unhappy" to optimize long-term resource extraction over short-term profit maximization.Looking ahead, DRDGOLD is exploring expansion opportunities across Africa and potentially South America, considering partnerships with established operators in unfamiliar jurisdictions while maintaining gold as its primary focus. Hooijer's operational project experience, combined with Davel's continued 12-month consulting support, positions the company to execute its Vision 2028 strategy while exploring how its proven retreatment model might address tailings challenges for major mining companies globally.View DRDGOLD's company profile: https://www.cruxinvestor.com/companies/drdgold-limitedSign up for Crux Investor: https://cruxinvestor.com

Tehillah Niselow is in conversation with TymeBank's CEO-Designate, Cheslyn JacobsSee omnystudio.com/listener for privacy information.

You have the potential for greatness...too bad you're too distracted to act on it. My guest Steven Puri decided that it was time more people tapped into their creativity in a high performing low stress way. He should know, his background in engineering, entrpreneurship and Hollywood films has led him to see firsthand what stokes creative fires vs. what is a painful grind. Listen in to learn more. We all have something great inside of us. The question is whether you are going to get it out or not. The one thing even a billionaire can't get more of is time- stop squandering yours with tasks or processes that are out of integrity. Hustle culture pulls us out of flow state. Having more than one project going on at a time increases the likelihood you will explore the adjacent possible. Designate a place for creativity and tune your mind to be in flow state there. Learn more about the Sukha: https://www.thesukha.co/ Contact Steven: steven@thesukha.co

DEAR PAO: Person who secures life insurance policy on his/her own life may designate anyone as beneficiary | Nov. 8, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Halloween doesn’t have to be a night of fear—it can be a night of faith in action. Rooted in Matthew 5:16, this devotional reminds believers that even on the darkest day of the year, God’s light shines brightest through us. Instead of retreating, Christians can use Halloween as a powerful opportunity to connect, protect, and share Christ’s love with their neighbors. Whether through simple acts of kindness, offering a safe space, or handing out a message of hope, we can turn Halloween into a day of light. Highlights Transform Halloween from a day of darkness into one of redemptive mission and community connection. Designate your home as a safe house where children can find refuge and kindness amid the chaos. Share the Gospel naturally by including tracts or church invite cards with candy. Host a bonfire or neighborhood gathering to build relationships and spark meaningful faith conversations. Use Halloween as an opportunity to demonstrate God’s love and create a welcoming, light-filled atmosphere. Remember: when we shine Christ’s light, even the darkest night can point others to the hope of the Gospel. Join the Conversation How do you plan to shine your light this Halloween? Share your ideas and stories with us! Tag @LifeAudioNetwork and use #ShineBrightForJesus #LightOverDarkness #FaithInAction.

During a roundtable at the White House earlier this month, President Trump directed Secretary of State Marco Rubio to designate antifa, the far-left movement opposing fascism, as a foreign terrorist organization. We discuss whether the Trump administration can legally do that, and even if it can't, the significance of the president suggesting it. This episode: voting correspondent Miles Parks, justice correspondent Ryan Lucas, and senior national political correspondent Mara Liasson.This podcast was produced by Bria Suggs and edited by Rachel Baye. Our executive producer is Muthoni Muturi.Listen to every episode of the NPR Politics Podcast sponsor-free, unlock access to bonus episodes with more from the NPR Politics team, and support public media when you sign up for The NPR Politics Podcast+ at plus.npr.org/politics.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

I recently had the incredible opportunity to sit down with a though leader and powerful woman on The Reset with Stefanie. We had a beautiful conversation that left me feeling inspired and hopeful for the future of relationships as we know them. Listen as we discuss how self-awareness and maintenance can be our greatest relationship influencers — and how small shifts in understanding can change everything.

Bhumi Pednekar has admitted that body image issues never fully disappear, saying that one has to learn to love oneself, Veteran India wicketkeeper-batter Dinesh Karthik believes that Virat Kohli is firmly committed to representing India at the 2027 ICC Men's Cricket World Cup, US President Donald Trump on Thursday praised Sergio Gor, the ambassador-designate of the United States to India, and joked that he "better represent us, not them".The Bharatiya Janata Party has released the names of all the 101 candidates, US President Donald Trump on Wednesday made a big claim, saying that Prime Minister Narendra Modi had "assured" him that India would stop purchasing Russian oil. Learn more about your ad choices. Visit megaphone.fm/adchoices

(The Center Square) – During a round table discussion with independent journalists at the White House on Wednesday afternoon, President Donald Trump said his administration would designate Antifa a foreign terror organization. The Center Square asked the president if he would designate Antifa, which he designated a domestic terror group last month, a foreign terror organization (FTO). Trump appeared to be under the impression that it was already an FTO.Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxxRead more: https://www.thecentersquare.com/national/article_03638cc7-fd2b-478d-9389-a11488e86680.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Let's begin by looking backwards. On Sept. 16, Mara and I released an episode on three things you should be doing now to care for yourself. Mara took the lead on that one as we dove into designing your morning, clarifying your identity and mission, and building a sustainable habit of creating you time. As an aside, I'm still enamored with the idea of creating a “third space” in which you can be yourself, without trying to be something for everyone else, and a shoutout to listener and daily email reader Penny Connor for that concept.Last week I did an episode on transitioning from work to home in ways that will make it easier to leave school at school. The three key components were investing time in reflection before walking out of school, listening to personal things (like music or audio books) on your commute home, and having specific practices when you walk in the door to home that signal your body to shift into home mode.I acknowledged then that many of you do have duties that require you to work from home and that we would dive into that today, but before we go there…Sponsor Spot 1:I'd like to thank Kaleidoscope Adventures for sponsoring today's show. Lots of companies can help you organize class trips, but Kaleidoscope helps you organize adventures – because isn't that what student trips should be? Kaleidscope is a full-service tour company offering a range of adventure opportunities and they excel at customizing trips based on your unique context, needs, and goals. And if you still need some help getting the ball rolling, check out their great e-resources including The Ultimate Guide to Planning Student Travel, The Ultimate How-To Guide for International High School Travel, AND The Ultimate Financial Guide for Your Student Trip. These are all FREE and packed with helpful tips and advice like how to get your parents on board, funding your trip, picking chaperones, and more.Connect with Kaleidoscope Adventures at mykatrip.com for your free copy or to talk with a pro planner.Show IntroCelebrations:Fall: Leaves, great sleeping temperatures, and footballKey Points Part 1The most significant barrier to turning off is when work intrudes into your home. This can happen for three primary reasons:You have a duty that specifically requires you to work from homeThere is a real emergencyYour work is your life (the issues you work on are the issues you live with)You view yourself as a martyrLet's look at some general habits for when you MUST work from home and then address each of the other circumstances.Limit who can contact you at home. If you have a work phone, shut it down and allow your boss/important person to reach you via your home phone. Or program your phone to only allow certain people to reach you at certain times (Hint: iPhone's Short Cuts feature is super helpful). Create (and enforce) strict boundaries about what duties are and are not off-limits for being interrupted at home and communicate those to people. If you are in charge of getting subs, control how people reach you and when you will check email. You can also do something like add all your teachers to your favorites and set your email to put all messages from favorites into a special folder. This way, when you open your computer to check email, you only need to look at the favorites folder so you aren't getting sucked into other things. The technology has made it harder to be away from work, but we can also use it to flip the script. Designate a location you go to when you must do work at home, whether that is phone calls, email, or something else. Maintaining physical separation from your normal living areas when you are working is critical! Bonus: make your home workspace uncomfortable so you won't be tempted to spend extra time there. Closet anyone?

THE DEBATE ON NET ZERO - NAVIGATING BETWEEN AMBITION AND REALITY Moderator: Mr. Christopher J. Wiernicki, Chairman and CEO – ABS Panelists: • Mr. Roel Hoenders, Head of Climate Action and Clean Air, Marine Environment Division – IMO • Mr. Philippos Philis, Chairman & Chief Executive Officer – Lemissoler Navigation Co. Ltd; President – ECSA European Shipowners (2022-2024) • Ms. Ioanna Procopiou, Managing Director – Prominence Maritime; President Designate – BIMCO; Member of the Board – Union of Greek Shipowners • Ms. Charis Plakantonaki, Chief Strategy Officer – Star Bulk Carriers Corp. (NASDAQ: SBLK) 15th Annual Capital Link Operational Excellence in Shipping Forum Tuesday, September 30, 2025 |

More on the timing of the slaughtering of the Korban Pesach - whether it needs to be done in the afternoon of the 14th of Nisan or whether the morning of the 14th works too. Also, a newborn animal and how it can't be offered and also can't be given as a tithe. Plus, the case of one who does wrong (eating forbidden fat), designates his sin-offering, becomes a heretic (so his designation is negated and the offering is disqualified), and then comes back to faith -- is the offering reinstated? What about someone who loses his cognitive abilities (at the same point where the first one became a heretic), and then he was healed - is the offering reinstated? Both cases are necessary, as the Gemara explains. What if the court rules that the fat isn't actually forbidden? And then retracts the ruling that it was permitted - is that offering disqualified or no? Plus, the time that all the sages agreed.

Fail to Plan, Plan to Fail Wendy sits down with Albert Lalonde of Kaizen Financial to talk about why planning ahead financially, emotionally, and spiritually is the key to aging with dignity. From real-life cost breakdowns to trusted contacts and faith-based priorities, this episode is all about empowering families to prepare before crisis hits.In this episode, Wendy Jones welcomes Albert Lalonde, CEO of Kaizen Financial, for a powerful and heartfelt conversation about the critical importance of planning—especially when it comes to aging, care needs, and financial stability. Albert believes “The best plan is the one with the most options,” and in today’s episode, he shares why failing to plan often leaves families scrambling in crisis. They dive into how values-based financial planning can reduce fear, preserve dignity, and actually provide emotional and spiritual peace. Key Takeaways: Start with values, not numbers: Identify your top five personal values—family, faith, peace of mind, etc.—and build your plan around them. Have “the talk” early: Discuss care, housing, finances, and end-of-life wishes with loved ones before it’s urgent. Create a written plan: Written plans bring clarity, reduce anxiety, and open up options. Designate a trusted contact: Doesn’t have to be family. Choose someone who sees you regularly and can advocate if needed. Spiritual + financial alignment: Budget for what brings you joy—including giving, tithing, or community involvement

President Trump and key Republican leaders are pushing to officially designate Antifa as a terrorist organization. Supporters argue the move will curb violence and lawlessness, while critics raise concerns about free speech, civil liberties, and enforcement

President Trump says he plans to designate antifa as a "major terrorist organization." It's unclear how he'll go about that, but even the suggestion could have significant ramifications.Support NPR and hear every episode of Trump's Terms sponsor-free with NPR+. Sign up at plus.npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

0:00 Obama warns country is in 'political crisis' after Kirk shooting: Lindsey Granger | RISING 10:18 Rand paul, fired CDC Director get into testy exchange over vaccine schedule | RISING 18:22 Dems reject GOP stopgap as deadline looms; Shutdown odds spike | RISING 23:11 Trump to designate Antifa a terrorist organization | RISING 32:05 Watch: Kash Patel gets in shouting matches on the hill over Epstein files | RISING 41:57 Ben & Jerry's co-founder leaving ice cream company, claims company has been 'silenced!' | RISING 46:43 Nancy Mace's effort to censure Ilhan Omar fails after congresswomen beef on X | RISING Learn more about your ad choices. Visit megaphone.fm/adchoices

AP correspondent Ben Thomas reports President Trump says he's going to designate antifa as a terrorist group.

Episode 4780: Designate Antifa A Terrorist Organization

I can't thank Joshua enough for hanging out with me. Getting a little vulnerable, and just being a awesome dude. Hope you enjoy this different style content.Badmotivatorbarrels.com/shop/?aff=3https://www.instagram.com/zsmithwhiskeyandmixology?utm_source=ig_web_button_share_sheet&igsh=MWZ4dGp2MzlucjVvdw==Thewhiskeyshaman.comPatreon.com/the_whiskeyshamanReprioritizing your life begins with a period of reflection to understand what truly matters to you, followed by strategic changes to align your daily actions with your core values and goals. Phase 1: Reflect and reconnectReassess your core valuesYour values act as a compass for your life, but they can change over time. Ask yourself what you stand for and what is most important to you, like family, personal growth, health, or creativity.Review your values regularly to ensure they still align with who you are now, not just who you were in the past. Find your "why"Dig deeper than surface-level desires like "travel more" to find the motivation behind your goals.What do you want to achieve? If you won the lottery, what would your dream life look like? Think beyond money and status to what you truly desire.What makes you happy? Look back at moments of genuine joy and fulfillment. What were you doing, and what qualities were present?.What makes you unhappy? Identify situations or relationships that drain your energy. Acknowledging what doesn't work for you is just as important as knowing what does. Examine how you spend your timePerform a "time audit" to see where your time is actually going versus where you wish it would go. Keep a log of how you spend your time in 15-minute intervals for a week or two.Compare your time log with your core values. Where do you find a mismatch? For example, if you value family time but spend 10 hours a day working, you'll need to rebalance. Phase 2: Take intentional actionSet clear, manageable goalsWith a clear sense of your priorities, you can set new goals that are specific and actionable. Break it down: Break large, long-term goals into smaller, more manageable steps.Use the Rule of 3s: Limit yourself to three high-priority items a day to avoid overcommitting and feeling overwhelmed.Tackle the "frog" first: Do your most important or difficult task at the beginning of the day to build momentum. Learn to say "no"Saying no to others is crucial for reclaiming time and energy for yourself. This might mean declining a social invitation or delegating a task at work. Create a "to-don't" list: This is a list of things you will intentionally say no to in order to protect your priorities.Contemplate before committing: Before you say yes, ask yourself if you have the time and energy, and what you would have to give up to do it. Protect your health and well-beingSelf-care is not a reward, but an essential part of having the energy to pursue your priorities. Schedule time for yourself: Block off time on your calendar for rest, relaxation, and hobbies.Prioritize sleep: Establish a consistent bedtime and stick to it to ensure you get enough rest.Create routines: Build habits that support your new priorities, like setting aside 15 minutes to read before bed or taking a daily walk. Reduce distractionsEliminate things that take time away from your real priorities. Silence notifications: Turn off non-essential alerts on your phone and computer to minimize interruptions.Designate specific times for tasks: Instead of constantly checking email, for example, schedule two or three specific times during the day to respond to messages. Stay flexible and celebrate small wins

https://jo.my/xgkix9 Heat Stress, Hydration & Working Outdoors:  Heat-Related Emergency Action Plans Working in a warehouse during peak summer heat isn't only uncomfortable, but it can also be dangerous. Heat stress is a genuine concern that can quickly become a problem for individuals working in a hot environment. That's why emergency planning isn't just a box to check; it's an essential safety measure. One of the top priorities of a solid Safety Culture is ensuring that everyone knows exactly what to do in the event of a heat-related emergency. Whether you're unloading trailers, operating forklifts, or managing inventory near sun-soaked dock doors, having a clear emergency response plan can save time and lives. You can't plan for every situation, but you can train for the most likely ones. And in the heat, that means recognizing signs early, responding quickly, and ensuring help is always just minutes away. Here are a few ways to tighten up your heat emergency response: 1. Know where to go and what's available. Every facility should have designated shaded areas, fans, and hydration stations. Know where they are—and make sure they're stocked, working, and accessible. Don't wait until someone passes out to realize a fan hasn't been plugged in or the water cooler is empty. 2. Assign emergency roles ahead of time. Designate someone each shift to call emergency services if needed. It should never be unclear who's taking the lead in a crisis. You lose precious seconds when people hesitate or scramble. 3. Train your team to recognize symptoms. Lightheaded. Nauseous. Clammy skin. Confused speech. These aren't just complaints—they're warning signs. Every team member should know how to identify them and what steps to take before the situation worsens. 4. Act fast. Seconds matter. If someone's in distress, move them to a cooler area, get water in their hands, and alert the lead. Don't wait to "see if they feel better." That delay could be costly. 5. Drill it. Then drill it again. Review emergency procedures regularly. Practice mock scenarios. Run through what-if situations at shift meetings. The goal is to make the response automatic—not a guessing game. Let's be honest; heat doesn't play fair. It hits fast and can escalate quickly. But with the right plan in place, the outcome doesn't have to be serious. You've got the gear, the team, and the know-how. Now it's about staying sharp, staying hydrated, and reacting like it's second nature. Make sure your coworkers are covered. Look out for one another. And never assume someone else is handling it. Thank you for joining us for another episode of Warehouse Safety Tips. Until we meet next time – have a great week, and STAY SAFE! #Safety #SafetyFIRST #SafetyCulture #SummerSafety #HeatSafetyTips #BeatTheHeat #StayCoolStaySafe #EmergencyActionPlans

NFL Network Insiders Tom Pelissero, Judy Battista, Ian Rapoport and Mike Garafolo join forces to deliver the biggest football headlines of the day, Tuesday August 19. First, the Insiders discuss Daniel Jones getting the nod over Anthony Richardson as starting quarterback of the Indianapolis Colts. Then, two other quarterbacks, Matthew Stafford and Jordan Love, have injury updates. Later, Jeff Chadiha and Brian Baldinger provide analysis of a replenished and improved Kansas City Chiefs offense. Also, Michael F. Florio has some quarterback-minded fantasy football advice for your team heading into the new season.See omnystudio.com/listener for privacy information.

It's #roughlyquarterly time! I'm [perpetually] working on unsubscribing from email newsletters that are no longer relevant...or that I never signed up for. Designate some time on your calendar, dust off that project list, and let me know what you're working on this quarter. SPI 115: listen here Back to School wishlist: jesslindgren.com/school Venmo: @galfriday612 Jess Lindgren 4465 E Genesee Street STE 114 Syracuse, NY 13214 On August 25th, 2025, join me and Jeremy Burrows for the inaugural edition of the Monday Club inside the Leader Assistant community on Circle! Join the newsletter if you're feeling fancy: askanassistant.substack.com Patreon is another fancy option: https://www.patreon.com/jesslindgren I always love to hear from you: askanassistant.com Book a 1:1 with me: jesslindgren.com/coaching Lay your comments, questions, thoughts, and concerns on me.  Have an awesome week!  xo Jess #askjess #askanassistant

It's a bittersweet day in our studio as Archbishop-Designate Mark Rivituso joins Adam for the full episode of Roadmap to Heaven. While we are sad to see him leave the Archdiocese of St. Louis, we are excited for this new chapter in his ministry as he heads south to the Archdiocese of Mobile, Alabama. Archbishop-Designate Rivituso shares his thoughts and memories after 37 years of priestly and episcopal ministry in St. Louis. Download the Covenant Network app today! Pray the Visual Rosary at VisualRosary.org For more information on Covenant Network, visit OurCatholicRadio.org

  ROTG137 Politically Motivated Attacks Revisited   Nonprofit advocates face a complex environment in 2025 where political disagreements routinely escalate into targeted attacks—ranging from carefully crafted misinformation to more extreme tactics like organizational funding cuts, subpoenas, and personal targeting. This episode explores the emerging challenges advocates encounter, offering insights into recognizing, preparing for, and navigating these increasingly sophisticated forms of political pushback.   Attorneys for this Episode Brittany Hacker Tim Mooney Quyen Tu     Evolution of Political Attacks This isn't the first time we've covered this topic—we discussed it back in earlier episodes when attacks primarily came from private organizations and non-governmental entities like Project Veritas. What's changed is the increasing use of official government investigative authority against tax-exempt organizations, including:   Current Landscape: Government Investigations & Bad Faith Actors Executive Orders from the Trump administration Universities under attack and scrutiny Government agencies: Department of Government Efficiency (DOGE) State Attorneys General investigations (particularly from those seeking higher office) New techniques utilizing official power with minimal basis for investigation The key challenge: These officials have great investigative power and can exercise it with the slimmest basis, using bad faith political attacks against organizations doing good community work they simply disagree with.   Examples of Great Advocacy in Response Despite these attacks, many nonprofits have stepped up their advocacy:   Challenging the administration in court Almost every executive order has faced legal challenges Many nonprofits have teamed up for court cases Some challenges have been successful, others ongoing   Calling out attacks for what they are Naming attacks as politically motivated and in bad faith Pointing out reliance on dubious information This approach has met with significant success   Solidarity in numbers Some law firms and universities initially settled with the administration Others joined together and refused to settle or capitulate Finding strength in solidarity and continuing their missions   Funder support stepped up Funders creating new short-term grants Establishing legal defense funds Providing pro bono services for nonprofits Some funders publicly increased funding; others acted quietly but effectively   Being Prepared: Your Best Defense   Legal and Administrative Compliance The best defense is ensuring full compliance with all applicable laws so you can advocate with confidence.   Advocacy Check-Up Tool: Our nonprofit self-assessment (13-page document available free on our website) Identifies opportunities to enhance compliance with tax, lobbying, election, and other laws Provides starting place to assess existing systems Helps prepare for attorney meetings with specific checklist items   Key compliance areas to review: How your 501(c)(3) remains nonpartisan Staying within lobbying limits for C3 public charities Ensuring all reporting is current (IRS, FEC, local ethics commissions) Checking insurance coverage (directors & officers, liability) Board setup and bylaw compliance Document management: Store foundational documents electronically in the cloud   Maintain excellent records: Clear, accurate documentation to easily prove legal compliance when needed   Organizational Readiness and Communications Planning Beyond legal compliance, you need comprehensive preparation: Identify vulnerabilities: What might attackers say about your work? Communications strategy: Have a plan for public response Election season policy: Clear guidelines for staff activities Document retention policy: Know what to keep and for how long Staff training: Especially public-facing staff and volunteers Train them to recognize unusual questions outside normal scope Establish "odd question point person" to defer to Response protocols: Know what to do if attacked Legal counsel: Have a lawyer you can call or know who to contact   Most Important: Don't Self-Censor Remember these are bad faith attacks. You aren't doing anything wrong. They're trying to: Separate you from your funders Separate you from your supporters Make you stop your advocacy work Avoid engaging on the substance of your work   Don't fall for the trap of stopping your advocacy just because they claim you're doing something wrong. If your compliance is solid and you have a communications plan, you've likely done nothing wrong—keep doing your important work.     If You Are Attacked: Response Strategy   Initial Response: Don't Overreact Reassure everyone: Staff, board, key supporters that you have a plan and are executing it Share with allies: Touch base with coalitions and peer organizations Attacks often target multiple similar organizations Share what you're experiencing and your response plans Ask for help: Learn from others who've been through this; consult funders and foundations   Fact-Finding and Gap Analysis Get clear on accusations: What specifically are they claiming? Assess the facts: What do you know vs. don't know? Close any gaps: You don't have to be perfect Retrain staff if needed Amend reports if necessary Address any legitimate compliance issues   Response Protocol for Official Investigations   When facing government actors: Request identification and documentation: Ensure it's a legitimate governmental agency with authority (warrant/subpoena) Preserve all evidence: Don't destroy documents, emails, or other records Don't obstruct government action but monitor their work (like supervising a contractor in your house) Protect privileged information: Seek legal advice on confidential/privileged materials Designate spokesperson: One staff member communicates with government actors and public to avoid conflicting messages   Legal Support and Defense Seek counsel for preparation: Some aspects you can handle alone, others need legal guidance Retain counsel for formal responses: Essential for official investigations Investigate legal defense funds: If budget is tight, these are increasingly available   Staying on Offense: Reframe the Narrative With a good plan in place, you can be on offense instead of defense: Call political attacks what they are Feel confident in your legal compliance Ensure staff feel safe and confident by sharing/reviewing your plan Continue your great advocacy work because you're in compliance with laws   Special Thanks to Funders Shout out to funders who have stepped up during these attacks: Some have been very public about increasing funding Many have acted quietly without spotlight Both approaches are important and appreciated Creating new funding mechanisms and legal defense funds   Resources Advocacy Check-Up: Nonprofit Self-Assessment Essential Strategies for Navigating Government Inquiries (Perkins Coie) Search Warrants: Dos and Don'ts (Perkins Coie) Sample 501(c)(3) Policy for Election Season  Election Activities of Individuals Associated with 501(c)(3)s  Practical Guidance Series: Lobbying  Practical Guidance Series: Nonprofit Voter Assistance On-Demand Training: Preparing for Politically Motivated Attacks

In this emergency episode, we dive into the St. Louis Cardinals' roster shake-up as veteran pitcher Erick Fedde is designated for assignment following a brutal sweep at the hands of the Colorado Rockies, the league's worst team. We break down Fedde's disappointing 2025 season, where his 3-10 record and 5.22 ERA in 20 starts—capped by a disastrous six-run outing in just three innings against the Rockies—forced the Cardinals' hand. With the team now cemented as sellers ahead of the July 31 trade deadline, we explore what this means for the franchise's future, John Mozeliak's legacy, and the potential trades that could reshape the roster.

Designation of the Muslim Brotherhood as a Terrorist Organization Senator Cruz discusses his long-standing effort to designate the Muslim Brotherhood as a terrorist group. He outlines the organization's history, global reach, and alleged ties to terrorism. The conversation critiques past U.S. administrations, particularly the Obama and Biden administrations, for their handling of the Brotherhood. Cruz introduces a “modernized” version of his bill using a “bottom-up” approach to target specific violent branches first. IRS Ruling on Churches and Political Endorsements The IRS has agreed that churches and pastors can endorse political candidates without risking their tax-exempt status. This is framed as a major shift from the Johnson Amendment, which previously discouraged political speech from the pulpit. The discussion includes a personal anecdote from Cruz about defending pastors in Houston who were subpoenaed for their sermons. Biden Autopen Scandal The New York Times reported that President Biden used an autopen to sign pardons without personally reviewing each case. Cruz argues that this could render many of those pardons legally invalid under DOJ guidelines. The conversation speculates on the legal and political implications, including potential challenges to the pardons. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and the Ben Ferguson Show Podcast Wherever You get You're Podcasts. Thanks for Listening #seanhannity #hannity #marklevin #levin #charliekirk #megynkelly #tucker #tuckercarlson #glennbeck #benshapiro #shapiro #trump #sexton #bucksexton#rushlimbaugh #limbaugh #whitehouse #senate #congress #thehouse #democrats#republicans #conservative #senator #congressman #congressmen #congresswoman #capitol #president #vicepresident #POTUS #presidentoftheunitedstatesofamerica#SCOTUS #Supremecourt #DonaldTrump #PresidentDonaldTrump #DT #TedCruz #Benferguson #Verdict #justicecorrupted #UnwokeHowtoDefeatCulturalMarxisminAmericaYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

3 Actions to Bring Forth SuccessSet a “trust checkpoint” daily: reflect on one moment where God showed up.Replace fear-based thoughts with affirmations grounded in scripture.Designate one space (physical or virtual) as your “safe sanctuary” to decompress, reflect, and reset.

This Podcast Is Episode 634, And It's About Financial Red Flags Your Construction Company Can't Afford To Ignore As a construction bookkeeper, I've had a unique vantage point, watching countless projects unfold from the first bid to the final payment. While the hammers and blueprints are the visible signs of progress, it's the numbers behind the scenes that truly tell the story of a company's health. And let me tell you, those numbers often whisper warnings before they start screaming.   Small business owners in the construction industry are incredibly busy. You're juggling bids, managing crews, dealing with permits, and ensuring client satisfaction. It's easy for subtle financial warning signs – what I call "red flags" – to get overlooked until they become critical problems. However, ignoring these signals can lead to severe cash flow issues, stalled growth, and even business failure.   Based on what I've observed, here are five common financial red flags that you absolutely cannot afford to ignore, along with practical steps you can take to address them. Red Flag #1: Constant Cash Flow Crises Despite "Profitable" Projects This is the most puzzling red flag for many owners. You look at your profit and loss statement, and it shows a healthy profit. Yet, your bank account is always running on fumes. You're constantly chasing payments, delaying supplier invoices, or juggling funds to make payroll. Why it's a problem: Profit is a theoretical measure of what you've earned over a period; cash flow is the actual money moving in and out of your business. In construction, where you often incur significant costs upfront (materials, labor for the first phase) and payments come in installments (often with retainage held back), it's entirely possible to be profitable on paper but cash-poor in reality. This constant stress impacts your ability to take on new projects, negotiate better deals, and even pay your team on time, leading to low morale. How to fix it: Implement Robust Progress Billing: Don't wait until a project is 50% or 100% complete. Structure your contracts to allow for regular progress payments tied to specific milestones (e.g., foundation poured, framing complete, rough-ins finished). This ensures a steady stream of cash. Aggressive Accounts Receivable (A/R) Management: Send invoices promptly as soon as milestones are met. Have a polite but firm follow-up process for overdue invoices. Don't be afraid to make phone calls. Negotiate Favorable Payment Terms with Suppliers and Subcontractors: While you want to pay your bills on time, try to secure longer payment terms (e.g., Net 30 or Net 45) from your vendors whenever possible. This helps you collect from your clients before your payments are due. Manage Retainage Proactively: Thoroughly understand the retainage clauses in your contract. Track how much retainage is outstanding for each project and aggressively pursue its release as soon as the contractual conditions are met. This money is yours; get it! Build a Cash Reserve: Even a small percentage of profit set aside each month into a dedicated savings account can create a vital buffer for lean times. Aim for 3-6 months of operating expenses. Red Flag #2: Consistently Inaccurate Project Estimates (Leading to Underbidding) Do you frequently find projects ending up significantly over budget, eating into your expected profit margins, or even becoming a loss? Do you often need to inform clients about additional costs? This points directly to issues with your initial estimating process. Why it's a problem: Inaccurate estimates mean you're consistently underbidding, leaving money on the table, or worse, taking on jobs that will inevitably lose you money. This directly impacts your profitability and, by extension, your cash flow, as you're funding the gap with either the cash from other projects or your capital. It also damages client trust when costs unexpectedly balloon. How to fix it: Implement Detailed Job Costing: This is a non-negotiable requirement. For every project, meticulously track all expenses, including labor hours (with specific tasks), material quantities and costs, subcontractor invoices, equipment rentals, permit fees, and miscellaneous expenses. Learn from Past Projects: Conduct a post-mortem analysis after each project. Compare your actual costs to your estimated costs. Where were the discrepancies? Was it materials? Labor hours? Unexpected site conditions? Use these insights to refine your estimating formulas. Categorize and Standardize: Develop a comprehensive system of cost codes for materials, labor types, and activities to ensure accurate and consistent tracking of costs. This consistency makes it easier to track and compare data across projects. Build in Contingency: Always include a contingency fund (typically 5-15% of the total project cost) in your estimates for unforeseen issues, changes in material prices, or minor scope creep. Use Estimating Software: Even simple estimating software can help streamline the process, ensure all line items are considered, and integrate with your accounting system. Red Flag #3: Uncontrolled Material Waste & Loss Are materials constantly going missing or getting damaged on site, or are you consistently buying more than what was initially estimated? This is a direct drain on your project's profitability and your company's cash. Why it's a problem: Every piece of wasted or lost material is money directly out of your pocket. It means you're paying more than you bid, leading to cost overruns. It can also cause project delays while you wait for replacements. How to fix it: Implement Strict Inventory Control: Secure Storage. Designate secure, organized storage areas on job sites for materials when not in use or overnight. Material Tracking System: For larger projects, consider a simple log or spreadsheet to track materials received and used. Regular Site Cleanliness: A clean, organized job site naturally leads to less waste and makes it easier to spot missing items. Careful Material Handling: Train your crew on proper handling and storage techniques for various materials to minimize damage and ensure optimal safety. Accurate Take-offs: Ensure your initial material take-offs (the process of determining the quantities of materials needed) are precise to avoid over-ordering or multiple trips to the supplier. Return Unused Materials: Establish a process for returning unused, undamaged materials to suppliers for credit, where possible. Red Flag #4: Inefficient Labor Utilization & Unaccounted Time Labor is often the most significant cost for a construction company. Suppose your crews are standing around, waiting for materials, traveling excessively between job sites without proper tracking, or simply not as productive as they could be. In that case, your labor costs are likely to be increasing significantly. Why it's a problem: Every idle hour or misspent minute costs you money. Inefficient labor directly reduces your profit margins and can cause projects to fall behind schedule, leading to client dissatisfaction and potential penalty clauses. Unaccounted time can also lead to compliance issues with wage and hour laws. How to fix it: Accurate Time Tracking: Implement a robust system for tracking employee time. This could include mobile apps with GPS features, biometric time clocks, or even detailed paper timesheets, as long as they are managed in a meticulous manner. Ensure all hours (including travel, breaks, and specific tasks) are accurately recorded. Optimize Scheduling & Workflow: Plan daily tasks meticulously. Ensure materials, equipment, and instructions are ready before the crew arrives. Minimize downtime from waiting or searching for tools. Cross-Training: Train your crew members on various tasks. This provides flexibility and prevents delays if one skilled worker is absent or busy elsewhere. Daily Huddles/Toolbox Talks: Begin each day with a brief meeting to review tasks, identify potential roadblocks, and ensure everyone is aware of their role. Regular Performance Reviews: Identify bottlenecks or areas where productivity can be improved. Provide training or reassign tasks as needed. Red Flag #5: Lack of Financial Visibility & Untimely Reporting Are your financial reports always weeks or months behind? Do you rely on gut feeling more than actual numbers to make business decisions? Do you only look at your bank balance at the end of the month? This means you're flying blind. Why it's a problem: Without up-to-date and accurate financial information, you cannot make informed decisions. You won't spot cash flow issues, cost overruns, or unprofitable projects until it's too late. This lack of visibility prevents strategic planning and proactive problem-solving. How to fix it: Invest in Good Accounting Software: QuickBooks Desktop or Online, Foundation Software, or other industry-specific solutions are essential. They automate data entry, generate reports, and track job costs. Maintain Clean Books Consistently: Don't let your bookkeeping pile up. Enter invoices, payments, and expenses regularly, ideally on a daily or weekly basis. This provides a real-time picture. Review Key Reports Regularly: Cash Flow Statement - Review it weekly or bi-weekly to track where your money is going and coming from. Job Costing Reports: Review weekly to compare actual costs against your budget for each project. Accounts Receivable Aging Report: Review weekly to see who owes you money and for how long. Work Closely with Your Bookkeeper: A good construction bookkeeper isn't just a data entry specialist; they are your financial partner. They can provide valuable insights, flag potential issues, and help you understand your numbers, enabling you to make informed, profitable decisions. Identifying and addressing these financial red flags isn't about adding more burdens to your plate; it's about building a stronger, more resilient construction business. By taking proactive steps and staying on top of your numbers, you can turn those red flags into green lights for growth and lasting profitability. Don't let hidden financial issues undermine your hard work on the job site – empower yourself with clarity and control.   About The Author: Sharie DeHart, QPA, is the co-founder of Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on managing the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com    

How to Structure Your Week for Maximum Efficiency as a Clinic Owner In this episode, Danny shares the weekly time-blocking strategy that helped him build and run a thriving cash-based PT clinic—without burning out. If you're running around reacting to your schedule instead of designing it, this is a must-listen. You'll learn how to create a focused, sustainable weekly plan to maximize productivity, protect your energy, and still make time for patients, staff, and yourself.

We’re wrapping up our series on how to have your best vacation ever. We’ve already covered the power of setting and sharing expectations, along with eight intentional steps to make your time away more meaningful. But what happens when tech distractions sneak in and start to steal those special moments? In this episode, we’re revisiting five practical tech tips to help you stay focused on what really matters during your vacation. A few thoughtful boundaries can go a long way toward keeping your attention—and your heart—right where it belongs. In this episode, John discusses: Setting clear boundaries for technology use Using digital tools without letting them take over Modeling intentional tech habits for others Capturing memories creatively without relying on phones Getting active to help minimize screen time Key Takeaways: Designate specific times and areas where phones and devices are off-limits—like meals, game time, or evenings. These tech-free zones help protect face-to-face connection and make space for deeper conversations. Schedule intentional moments for using phones—whether it’s snapping photos, checking in with friends, or finding local spots to explore—so tech use stays purposeful, not constant. Lead by example when it comes to phone habits. Others, especially kids, will often mirror what they see, so your own behavior can gently shape the group’s overall tech use. Bring along a digital or disposable camera to encourage creativity without defaulting to your phone. It adds fun to memory-making and invites everyone to see the trip from a different perspective. Plan active group moments that naturally draw attention away from screens—like a hike, a game, or a walk on the beach. Physical activity often creates space for presence, laughter, and lasting memories. “Stay prayerful, flexible, graceful, and kind. Even with preparations and expectations set and shared, and tech tips in place, and doing your best, a plan is still only a plan.”  Resources Mentioned: How Teens and Parents Approach Screen Time by Pew Research Center: https://www.pewresearch.org/internet/2024/03/11/how-teens-and-parents-approach-screen-time/ CLICK ON THE LINKS BELOW MORE MONEY MADE FAITHFUL! VISIT MONEY MADE FAITHFUL: https://moneymadefaithful.com/ GET FREE RESOURCES when you join THE HUB: https://moneymadefaithful.com/resource-library-access/Landing-page   BOOK A WORKSHOP & DETAILS: https://moneymadefaithful.com/money-made-faithful-workshop-2/Landing-page   INVITE JOHN TO SPEAK at your conference, church, or event:  https://moneymadefaithful.com/services   SPECIAL SAVINGS ON JOHN'S BOOK, 'He Spends She Spends' and the small group guide: https://moneymadefaithful.com/shop   FOLLOW US ON FACEBOOK: @MoneyMadeFaithful   FOLLOW US ON INSTAGRAM: @MoneyMadeFaithful If this blessed you today, please Subscribe, Leave a Review, and Share with someone who you believe will benefit from this message!

From a childhood lived in poverty to the heights of hope and service to others comes another outstanding minister called to join the Quorum of Presidents of Seventy in Community of Christ. Join host Blake Smith for an inspiring conversation in which Leslie Pascua shares the testimony of his journey to this place in his spiritual life. Hear how his wife brought him into the church, and the many ways in which he has found to serve and bring hope to those he encounters. Grab a cup of your favorite coffee or tea and listen in. Leslie's mix of humility and assurance of God's call in his life is sure to inspire you. Hear more from emerging leaders here.Download TranscriptThanks for listening to Project Zion Podcast!Follow us on Facebook and Instagram!Intro and Outro music used with permission: “For Everyone Born,” Community of Christ Sings #285. Music © 2006 Brian Mann, admin. General Board of Global Ministries t/a GBGMusik, 458 Ponce de Leon Avenue, Atlanta, GA 30308. copyright@umcmission.org “The Trees of the Field,” Community of Christ Sings # 645, Music © 1975 Stuart Dauerman, Lillenas Publishing Company (admin. Music Services). All music for this episode was performed by Dr. Jan Kraybill, and produced by Chad Godfrey. NOTE: The series that make up the Project Zion Podcast explore the unique spiritual and theological gifts Community of Christ offers for today's world. Although Project Zion Podcast is a Ministry of Community of Christ. The views and opinions expressed in this episode are those speaking and do not necessarily reflect the official policy or position of Community of Christ.

Marshall Harris and Leila Rahimi welcomed on Matt Spiegel and Laurence Holmes for their daily transition segment.