Podcasts about Expense

My guest is Dr. Mark Hyman, M.D., a physician and world leader in the field of functional medicine. We discuss a systems-based framework for diagnosing and treating the root causes of disease, rather than simply managing symptoms. We also cover cutting-edge health and longevity tools such as peptides, NAD/NMN, exosomes, proactive blood testing and cancer screening, as well as nutrition, supplementation, detoxification, and strategies for addressing specific diseases and health challenges. This discussion will benefit anyone seeking to improve their vitality or combat specific health concerns. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Joovv: https://joovv.com/huberman Eight Sleep: https://eightsleep.com/huberman Function: https://functionhealth.com/huberman ROKA: https://roka.com/huberman Timestamps 00:00:00 Dr. Mark Hyman 00:01:48 Functional Medicine, Chronic Fatigue Syndrome, Mercury; Systems Medicine 00:08:51 Metabolic Psychiatry; Medicine, Creating Health vs Treating Disease 00:12:19 Sponsors: Joovv & Eight Sleep 00:15:06 Wholistic View of Body, Root Causes 00:19:48 Medicine & Research; “Exposome”, Impediments & Ingredients for Health, Whole Foods 00:26:30 Seed Oils, Starch & Sugar, Ultra-Processed Foods; Obesity Rise 00:36:27 Sponsors: Function & ROKA 00:40:05 Tool: Ingredients for Health, Personalization; Multimodal Approach 00:46:25 Essential Supplements, Omega-3s, Vitamin D3, Multivitamin, Iodine, Methylated B12 00:56:54 Supplements & Traditional Medicine; Limited Budget & Nutrition 01:02:54 Air, Tool: Air Filters; Tap Water Filter; Tool: Health, Expense & Whole Foods 01:09:03 Food Industrialization, Processed Foods 01:14:23 Sponsor: AG1 01:16:18 Declining American Health & Nutrition, Politics, MAHA 01:26:03 Toxins, Food Additives, Generally Recognized As Safe (GRAS) 01:29:25 SNAP Program & Soda, Food Industry & Lobbying 01:36:58 Big Food, Company Consolidation, Nutrition Labels 01:44:21 GLP-1 Agonists, Doses, Risks; Food as Medicine, Ketogenic Diet 01:51:29 Cancer, Diets & Alcohol 01:54:03 Blood Markers, ApoB, Cholesterol, Tool: Test Don't Guess, Individualization 02:02:54 Mercury; Tool: Detoxification, Sulforaphane, N-Acetylcysteine (NAC) 02:04:56 Endocrine Disrupting Chemicals, Fertility, Tool: Hormone Panels; Heavy Metals 02:11:36 Upregulate Detox Pathways, Gut Cleanse, Tools: Cilantro Juice, Fiber 02:17:08 Peptides, PT-141 (Vyleesi), BPC-157, Thymosin Alpha-1; Risks, Cycling 02:22:03 Cancer Screening, Data & Personalized Health; Alzheimer's Disease 02:30:45 Longevity Switches, NAD, NMN; Exosomes, Stem Cells 02:39:50 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures

Before making a big purchase or financial change, try living like you've already made it—for at least three months. This simple practice helps you adjust to new expenses, identify what's truly essential, and build savings in the process. It's a powerful way to test decisions with real-world impact—before you're locked in. Resources: Annette Montgomery, practicing LMT in Indiana and founder of Bolstered, a virtual support community for Massage Therapists Find more about Annette at www.annettemontgomery.org and on Instagram at @the_annettemontgomery    Host: Allissa Haines is a practicing massage therapist and business owner and columnist for Massage & Bodywork magazine. You can find her building a community of massage therapists at deepbreathdigital.com   Author links:   Website: www.deepbreathdigital.com  

Managing your booster club's finances just got easier!  In this episode of The Boosted Volunteer, host Robin Eissler talks with Kyle Ruschman, VP of Sales and Business Development at USIO, to explore how prepaid debit card solutions—like Akimbo cards—are transforming nonprofit financial management. Kyle shares his expertise on how these cards provide real-time control, reduce reimbursement hassles, and enhance financial security for booster clubs and other nonprofit organizations. With a quick online application process and approvals in as little as one to two days, clubs can start managing their funds efficiently—right from their Booster Hub account. Plus, Kyle brings his personal experience as a youth sports parent and coach, offering insight into the real-world benefits of streamlining financial transactions for organizations supporting kids' activities.  If you're looking for a smarter way to allocate funds, eliminate personal reimbursements, and maintain transparency in spending, this episode is for you!   Key Takeaways: 1:00   Why debit cards are a game-changer for nonprofits and Booster Clubs 3:14   How prepaid debit cards provide secure and controlled fund allocation 4:44   Eliminating the reimbursement process and simplifying financial oversight 8:38   Streamlining accounting by categorizing expenses with separate card accounts 9:29   Understanding the cost structure: No transaction fees, minimal setup fees for physical cards 17:19  How Akimbo debit cards simplify booster club finances. 18:07  Kyle's background in youth sports and why booster club support matters. 20:31  Why digital tools reduce stress for booster clubs and families. 21:32  How to connect with Kyle and learn more about Akimbo debit cards.  

Part Two: Matthew remembers the snow job of “The Sound of Music.” Also: more on Sophie Scholl, introducing the Edelweiss Pirates, the “adult gaze”, what trusting kids means, notes from Emma Goldman and Janusz Korczak, and excerpts from a poem by Aku Päiviö, father of Jules, who traveled from Northern Ontario to Spain in 1937 to volunteer in the International Brigade. ____ When fascism rises, and some young people are drawn into its orbit, because everyone from Jordan Peterson to Andrew Tate has figured out how to exploit resentment at the failures of capitalism, we have an opportunity to give our kids a lot more than moralistic calls for a return to normalcy, compliance, warnings about screen time, striving to be better students, doing more sports, and not making too much of a ruckus.  The kind of parenting that limits itself to restoring the status quo for younger people in an age of fascism is not engaged parenting.  It's not enough to be a good boy or girl. Antifascism takes more than that. Show Notes Op-ed: Try again, President Kumar: Renewing calls for Tufts to adopt March 4 TCU Senate resolutions  Death toll since Israel's aggression on Gaza on October 7 rises to 31,819 (March, 2024)  Austerity Has Always Been a Project to Empower Capital at the Expense of Workers  It's Not Them; It's Us: Thoughts on the Show Adolescence Adolescence is a really well made depiction of misogyny that fails to critique it | by Mallory Moore | Mar, 2025 Netflix's ‘Adolescence' Taps Into the Latest Moral Panic    Jonathan Haidt's Claims On Kids & Tech Crumble Under Scrutiny From Top Expert, Candice Odgers | Techdirt  UK government's own estimate says welfare cuts to push 250,000 into poverty | Reuters Labour's cuts to PIP will drag a quarter of a million people into absolute poverty, DWP figures show – Disability News Service 55: Games Against Humanity (w/ Thi Nguyen) — Conspirituality 207: Gaming Realities (w/Thi Nguyen) — Conspirituality   Reminder to the media: Research video games before reporting on them  Out of the Ruins:The Emergence of Radical Informal Learning Spaces Anarchist Education and the Modern School: A Francisco Ferrer Reader  The People's Republic of Neverland: The Child versus the State   Raising Free People: Unschooling as Liberation and Healing Work Teaching Resistance: Radicals, Revolutionaries, and Cultural Subversives in the Classroom TRUST KIDS! Stories on Youth Autonomy and Confronting Adult Supremacy Refusing Complicity: The Bravery of Sophie Scholl - Radical Tea Towel Sophie Scholl and the youth resistance against the Nazis – DW – 02/22/2023 The majority of news influencers are conservative men, study finds  An Unclaimed Country: The Austrian Image in American Film and the Sociopolitics of The Sound of Music  The politics of The Sound of Music | Peter Levine  Edelweiss Pirate Walter Mayer The Edelweiss Pirates: A Story of Freedom, Love and Life Walter Meyer describes his 1943 trial for looting, and the impact of his role in the Edelweiss Pirates on the sentence he received | Holocaust Encyclopedia The Edelweiss Pirates The Child and Its Enemies | The Anarchist Library —Emma Goldman DECLARATION OF CHILDREN'S RIGHTS—Janusz Korczak  The King of Children: A Biography of Janusz Korczak - Betty Jean Lifton Sophie Scholl – The Final Days Remember the Mac-Paps - rabble.ca  The Canadians In The Spanish Civil War  'Gentleman Jules' lived for just causes | Sudbury Star  Poetry – Friends and Veterans Learn more about your ad choices. Visit megaphone.fm/adchoices

But the parents? Meh.  When fascism rises, and some young people are drawn into its orbit, because everyone from Jordan Peterson to Andrew Tate has figured out how to exploit resentment at the failures of capitalism, we have an opportunity to give our kids a lot more than moralistic calls for a return to normalcy, compliance, warnings about screen time, striving to be better students, doing more sports, and not making too much of a ruckus (as Marco Rubio calls it).  The kind of parenting that limits itself to restoring the status quo for younger people in an age of fascism is not engaged parenting.  It's not enough to be a good boy or girl. Antifascism takes more than that. In this Part One, Matthew previews our main feed discussion of Adolescence (coming this Thursday), parses a speech by Gareth Southgate, wonders why Jonathan Haidt knows nothing about gaming, and remembers Sophie Scholl.  Show Notes Op-ed: Try again, President Kumar: Renewing calls for Tufts to adopt March 4 TCU Senate resolutions  Death toll since Israel's aggression on Gaza on October 7 rises to 31,819 (March, 2024)  Austerity Has Always Been a Project to Empower Capital at the Expense of Workers  It's Not Them; It's Us: Thoughts on the Show Adolescence Adolescence is a really well made depiction of misogyny that fails to critique it | by Mallory Moore | Mar, 2025 Netflix's ‘Adolescence' Taps Into the Latest Moral Panic    Jonathan Haidt's Claims On Kids & Tech Crumble Under Scrutiny From Top Expert, Candice Odgers | Techdirt  UK government's own estimate says welfare cuts to push 250,000 into poverty | Reuters Labour's cuts to PIP will drag a quarter of a million people into absolute poverty, DWP figures show – Disability News Service 55: Games Against Humanity (w/ Thi Nguyen) — Conspirituality 207: Gaming Realities (w/Thi Nguyen) — Conspirituality   Reminder to the media: Research video games before reporting on them  Out of the Ruins:The Emergence of Radical Informal Learning Spaces Anarchist Education and the Modern School: A Francisco Ferrer Reader  The People's Republic of Neverland: The Child versus the State   Raising Free People: Unschooling as Liberation and Healing Work Teaching Resistance: Radicals, Revolutionaries, and Cultural Subversives in the Classroom TRUST KIDS! Stories on Youth Autonomy and Confronting Adult Supremacy Refusing Complicity: The Bravery of Sophie Scholl - Radical Tea Towel Sophie Scholl and the youth resistance against the Nazis – DW – 02/22/2023 The majority of news influencers are conservative men, study finds  An Unclaimed Country: The Austrian Image in American Film and the Sociopolitics of The Sound of Music  The politics of The Sound of Music | Peter Levine  Edelweiss Pirate Walter Mayer The Edelweiss Pirates: A Story of Freedom, Love and Life Walter Meyer describes his 1943 trial for looting, and the impact of his role in the Edelweiss Pirates on the sentence he received | Holocaust Encyclopedia The Edelweiss Pirates The Child and Its Enemies | The Anarchist Library —Emma Goldman DECLARATION OF CHILDREN'S RIGHTS—Janusz Korczak  The King of Children: A Biography of Janusz Korczak - Betty Jean Lifton Sophie Scholl – The Final Days Remember the Mac-Paps - rabble.ca  The Canadians In The Spanish Civil War  'Gentleman Jules' lived for just causes | Sudbury Star  Poetry – Friends and Veterans Learn more about your ad choices. Visit megaphone.fm/adchoices

Master the art of negotiation and unlock winning strategies in real estate investing with this transformative episode of the REI Mastermind Network! Join Brian Will, author, business consultant, and master negotiator, as he shares actionable insights on building generational wealth, scaling your business, and making smart investment decisions. Whether you're exploring multifamily assets, Section 8 opportunities, or expanding your investment portfolio, this episode is packed with value.Key Highlights:- Learn Brian Wills' 5 keys to business success and common pitfalls to avoid.- Discover negotiation tactics to secure the best deals every time.- Understand how to leverage data-driven insights to scale your business and real estate investments.- Explore strategies for creating unique value in competitive markets.- Get inspired by real-world examples of turning setbacks into opportunities.Connect with Brian Wills! Visit BrianWillMedia.com to explore his books, courses, and consulting services tailored to elevate your success in real estate investing and beyond.

Title: Qualities of an Elder Text: Acts 20:13-27 FCF: We all struggle when our leaders are ungodly. Prop: Because an Elder must be and continue to be blameless, so all Elders and would be Elders must endure in these same qualities. Scripture Intro: [Slide 1] Turn in your bible to Acts chapter 20. In a moment we'll read from the Legacy Standard Bible starting in verse 13. You can follow along in the pew bible or in whatever version you prefer. Last week we noted Luke's shift in focus as his book hastens toward its close. Since the remainder of the book is concerning Paul's travels to Jerusalem, his imprisonment, his travel to Rome, and imprisonment there – Luke now shifts his attention to the character, person, and instructions of Paul. He began this last week by focusing on Paul's top priority. To the expense of himself, Paul desired greatly to instruct God's people in His ways. This was his primary objective. Such clarity in purpose reveals to us how all church leaders should prioritize the spiritual instruction of God's people. Today we will lean even more into the discussion of what godly church leaders should be, as Paul summons the Elders of Ephesus to himself to give them parting words of instruction before he goes on to Jerusalem. Let's see what he has to say. Please stand with me to give honor to and to focus on the reading of the Word of God. Invocation: Most Holy God, we come to You as Your children seeking wisdom and instruction from Your Word. We praise You Father for giving through Your Son and empowering through Your Spirit, undershepherds who care for the flock that You have claimed as Your own. We praise You for sending watchmen among us to watch out for wolves and to feed and to guide us. We pray that You would use this text this morning to equip us to understand and pursue all that You have given us regarding godly Elders. And we pray desperately that You would continue to bless us with men who love You and are called to serve. We ask this in Jesus' name amen. Transition: Let's get right to the text this morning. I.) Paul demonstrated the qualities necessary for all church leaders, so all Elders and would be Elders must endure in these same qualities. (13-21) a. [Slide 2] 13 – But we, going ahead to the ship, set sail for Assos (AH-sohs), intending from there to take Paul on board; for so he had arranged it, intending himself to go by land. 14 - And when he met us at Assos, we took him on board and came to Mitylene (my-tell-EEE- knee). 15 - And sailing from there, we arrived the following day opposite Chios (KEY-ohs); and the next day we crossed over to Samos (SAM-ahs); and the day following we came to Miletus (my-LEE-tuhs). 16 - For Paul had decided to sail past Ephesus so that he would not have to spend time in Asia; for he was hurrying to be in Jerusalem, if possible, on the day of Pentecost. 17 - Now from Miletus he sent to Ephesus and called to him the elders of the church. i. [Slide 3] On the screen behind me is the travel map of Paul and his 8 companions. ii. Luke records that by the plan of Paul, he desired to go by land from Troas to meet them in Assos. iii. Since this was Paul's plan all along, and we aren't told why, it is likely some unknown-to-us reason that Paul desired to travel by land on the first leg of the journey to Assos (AH-sohs). iv. More than likely, this took a couple days for Paul to catch up. v. Then they all sailed to Mitylene (my-tih-LEE-knee). Then the next day they came to what Luke calls the opposite of Chios (KEY-ohs). By this he probably intends the eastern side of the island of Chios as the map depicts. vi. Then the next day they came over to Samos (SAM-ahs), which is the unnamed island on the bottom. vii. Then the following day they came to Miletus (my-LEE-tuhs). viii. Miletus is about 25 miles south of Ephesus. ix. It has probably been about two years since Paul was in Ephesus at this point. x. Here Paul is faced with a dilemma. He loves the church of Ephesus and the Elders whom he helped to appoint and guide in that city. But he knew that if he stopped in to Asia to meet with them, he would be held up there. Most likely because of the love they had for him and he for them. xi. But, Paul is being led by the Spirit to go to Jerusalem and to make it before Pentecost. xii. Most likely, Pentecost is only a few weeks away when he lands in Miletus. xiii. Nevertheless, Paul cannot ignore the church in Ephesus completely. He had spent 3 years ministering to them. So, what is he to do? xiv. Paul decides to send for the Ephesian Elders to come and meet him. b. [Slide 4] 18 - And when they had come to him, he said to them, i. From verse 18 through verse 35 we have recorded for us one of the fullest expressions in the scriptures of what Elders are to be and what Elders are to do. ii. We will take half of his exhortation this week and next week we will look at the rest. iii. The first half is mostly Paul instructing them from his own example. c. [Slide 5] “You yourselves know, from the first day that I set foot in Asia, how I was with you the whole time, i. The very first thing Paul exhorts them with is his own example of how he ministered in the city of Ephesus. ii. From their own observation and experience, they know that Paul was with them the whole time. iii. This probably is not referring to Paul staying with someone, or not leaving the city. iv. More likely this is Paul indicating that he lived his life before them. They observed him in the most basic functions of human existence all the way to worship services, and evangelism, and discipleship, and preaching, and prayer, and everything in-between. v. He was not separated from them but was with them. vi. But what did they observe of him while he was with them? d. [Slide 6] 19 - serving the Lord with all humility and with tears and with trials which came upon me through the plots of the Jews; i. They saw Paul under pressure. ii. [Slide 7] And the first pressure they observed Paul endure was his own flesh battling against his pedigree. 1. Paul had every reason to be proud. He began a successful church in the city of Ephesus. He taught for three years avoiding persecution from the Ephesians for almost the entire stay. 2. He was a good speaker. He was wise. He was followed by many. 3. Not only that but he was a Pharisee of the Pharisees, a Roman citizen, and well-respected by many powerful people. 4. But in the midst of this the Ephesian Elders observed that Paul served the Lord in all humility. 5. Paul put the needs of others above the needs of himself. 6. He was meek, he was lowly. He was a servant to all. 7. He did not demand that others wait on him, instead he became the servant to them for the sake of Christ, his Lord. 8. He did not expect due compensation for all his work like the traveling philosophers and preachers of his time. Instead, he was content with whatever he had. 9. In this way, Paul served the Lord, as merely a slave to His master's will. iii. [Slide 8] The second pressure they observed Paul endure was the weight of his mission. 1. Paul served the Lord with tears. 2. Paul was passionate about the mission and the message that he was sent by Christ to give. 3. Paul wept with them and plead with them to follow the Lord. 4. Paul cried with tears of joy as they came to Christ and turned from their sin and their idols. 5. Paul no doubt shed many tears when many of them confessed their former dalliances with magic and as they burned their books in rejecting their former ways, never to go back. 6. Paul mourned the tragedy of those who denied Christ, many of whom were his own kinsmen. 7. Paul wept over believers who chose to continue in sin and did not desire to be corrected, like with the Corinthians. 8. Paul sobbed tears of joy when the Corinthians repented and returned. 9. Paul cried over false teachers making shipwreck of believers' faith. 10. Truly Paul's mission was weighty. iv. [Slide 9] The third pressure they observed in Paul was the persecution from the Jews. 1. Paul served the Lord even with his trials. 2. He rejoiced in suffering at the hands of the Jews. For His own Savior had suffered also at the hands of the Jews. 3. He endured the many plots from them all over the empire and even in Ephesus, to destroy him and the message he taught. 4. Through it all, Paul's eyes were on Christ, knowing that he could endure all of it and more through Christ who gives him strength. v. Paul did not bow to the pressures he faced. He had excellent moral character and spiritual strength. He was blameless. vi. But what did he do with such noble character? e. [Slide 10] 20 - how I did not shrink from declaring to you anything that was profitable, and teaching you publicly and from house to house, i. Against secret societies, hidden knowledge cults, Gnosticism, free masonry, scientology, Mormonism and any other religious group that trickles out secret knowledge to those who are loyal… ii. Paul did not withdraw or shy away from sharing with them everything he knew that was profitable for them. Everything that was expedient to them, he told them. iii. These mystery cults and philosophical and religious gurus ensure that you will continue to support them or their faith by holding back information you need, until you have sufficiently paid for it. iv. Not Paul. v. Paul gave them everything he knew that could help them. vi. He knew a good deal more about the law and about Judaism and about being a Pharisee. But this was not expedient to them. It was not profitable. But the things of Christ? The way of faith? The grace of God? vii. Of these, he told them everything he could. viii. And he didn't do it privately to only a few wealthy people, as if to peddle this gospel for personal gain. ix. Instead, he shared all this publicly, teaching in the hall of Tyrannus. And when those discussions continued, he went to houses and taught too. x. There was no membership fee, no subscription model, no downloadable content. xi. He passionately pursued any who desired to be taught the ways of the Lord. f. [Slide 11] 21 - solemnly testifying to both Jews and Greeks about repentance toward God and faith in our Lord Jesus Christ. i. Finally, we see Paul say that they observed the undeniable fact that he, with great seriousness and sincerity, bore witness to both Jews and Greeks about repentance toward God and faith in our Lord Jesus. ii. Paul shared the gospel, even after the church was founded there in Ephesus. iii. And he shared the gospel to every person he came in contact with regardless of their heritage or lineage. iv. We know that the Jews were despised and mocked in Ephesus. We know from the letter to the Ephesians Paul emphasizes the church being one made of both Jews and Gentiles. v. Paul passionately and sincerely bore witnesses to all men about the command of God for all men to repent toward God and receive faith in Jesus. g. [Slide 12] Summary of the Point: Luke dutifully records Paul's exhortation to the Elders of Ephesus as he commends them to continuing the work there in their city. Paul's opening point is the track record that he exemplified while he was among them. He was a man who selflessly served the Lord by serving them, through tears and trails. He taught them in season and out of season. He reproved, rebuked, corrected and instructed them in all that was helpful to them, and he did the work of an evangelist calling all kinds of men to repentance toward God and faith in Christ. But they knew all this. They observed him for three years being this kind of man. So, what is Paul's message? What is Luke telling us? Quite simply – the church needs this caliber of man to be Elders. In fact, for every Elder or would be Elder, it is safe for us to conclude that this should be our character profile. Transition: [Slide 13 (blank)] Paul leaves the past and now looks to the uncertainty of the future. Will he be the same man? Will he make changes? If the pressure increases, will he break? II.) Paul will continue to demonstrate these qualities despite the cost, so all Elders and would be Elders must endure in these same qualities. (22-27) a. [Slide 14] 22 - And now, behold, bound by the Spirit, I am on my way to Jerusalem, not knowing what will happen to me there, 23 - except that the Holy Spirit solemnly testifies to me in every city, saying that chains and afflictions await me. i. Paul leaves the past and now looks to the future. ii. He knows that he must go to Jerusalem. We saw before how he resolved to go to Jerusalem and now, we see that this was by direct leading of the Holy Spirit. iii. Paul has no idea what to expect when he arrives. It has been about 5 years since he last went to Jerusalem. He went there after his second missionary journey and before heading to Ephesus. iv. In fact, the only thing he does know is what the Holy Spirit continues to remind him of in every city he visits. v. Really it is the prediction that Christ gave to Ananias at Paul's conversion. Jesus said, “I will show him how much he must suffer for My name.” vi. The Holy Spirit has revealed that many afflictions and imprisonments await Paul in the near future. vii. So, he doesn't know what will happen in Jerusalem, but he does know that he is going to suffer imprisonments and afflictions for the name of Christ. viii. What is the moral fiber of Paul? What is his outlook here? b. [Slide 15] 24 - But I do not make my life of any account nor dear to myself, i. Paul is holding his life loosely. ii. He is not fighting to stay alive at all costs. He is not striving to avoid all pain and anguish. iii. If the Holy Spirit has revealed that this is God's will for him – it would be foolish to resist and to fight against it. iv. Paul will not flee like Jonah. v. Why? c. [Slide 16] so that I may finish my course and the ministry which I received from the Lord Jesus, to testify solemnly of the gospel of the grace of God. i. Jesus gave Paul a job to do. ii. He is to go and proclaim the gospel of Jesus Christ to Jews, to Gentiles, and to Kings. iii. Well, so far, he has not proclaimed the gospel to kings. iv. He has certainly had audiences with many powerful and wealthy people. Some of them have even come to Christ. v. But, to date, Paul has never stood before any rulers to preach the gospel. vi. So, his mission is not complete. vii. Here we see again his desire to sincerely or solemnly testify to the gospel of the grace of God. viii. There are many perspectives on soteriology. For the last four hundred years the church has been enamored with the discussion of Arminianism vs. Calvinism. ix. I'm not going to talk about either right now. x. But one thing is for sure. If the gospel you believe is not a gospel of God's grace, then it is not the gospel at all. xi. So, what is grace? 1. We have all memorized the quick definition – unmerited favor. 2. And that is a fine definition of the word grace. 3. But if we are talking about God's grace and specifically God's grace in salvation, which is what Paul is talking about here, I do not believe the definition “unmerited favor” is sufficient. 4. So, how would I define God's grace in salvation? 5. It is simply this. God accomplishes 100% of our salvation. 6. There is no step that God has left to us in order to be saved. 7. According to Romans 3:24, we are justified as a gift by His grace through Christ's redemption. 8. [Slide 17] Another way to remember what grace is, is by the acronym for GRACE 9. God's 10. Riches 11. At 12. Christ's 13. Expense 14. God delivers the gift of all his riches, indeed sonship and becoming heirs to His throne, at the expense of Christ. 15. Notice that this still has nothing to do with us. Our response isn't factored in yet, for God has given His riches because of the redemption of His Son. 16. Now this isn't denying that there are necessary responses flowing out of that gift of justification by grace through Christ's work. 17. In fact, in the other instance in this text in which Paul talks about sincerely testifying about the gospel he explains the command and the responsibility of Jews and Greeks to respond in repentance toward God and faith in Jesus Christ. 18. But God uses our repentance and faith, both of which the scriptures teach us are ALSO gifts He gives to us, God by grace uses this gifted repentance and faith as means to unite us to our gifted justification. 19. [Slide 18] To suggest that God has accomplished even 99.9% of our salvation and waits on us to do the other .1% - is to make another gospel… one that is not GRACE - God's Riches At Christ's Expense, but is in fact, God's Riches Awaiting Mankind's Submission. I know that spells GRAMS which isn't great… 20. [Slide 19] but My point is not for you to remember GRAMS but GRACE! 21. Call yourself an Arminian. Call yourself a Calvinist. Refuse to take a title. It matters very little. 22. But if your gospel is not ALL of God – then it isn't the gospel of the Grace of God that Paul preached. And that means… it isn't the gospel at all. d. [Slide 20] 25 - And now, behold, I know that all of you, among whom I went about preaching the kingdom, will no longer see my face. i. Now Paul laments the fact that most likely, he will never see any of the Ephesian Elders again. ii. Is Paul being overly dramatic here? iii. No. Paul knows that his future will be full of all kinds of difficulties. iv. And as far as we know, Paul never did return to Ephesus. Paul will go to Rome as a prisoner. He will be release and then spend time in and around the Adriatic Sea between Italy and Greece, and potentially even going as far as Spain. But eventually he will be imprisoned for the last time and beheaded by Emperor Nero. v. So no, Paul isn't being dramatic. vi. He went among them and preached the Kingdom of Christ- of which they were now a part and working to do the same. vii. But never again will he see them. viii. In light of this, Paul wants to say one more thing about the future… and specifically their future. Then he will move to exhorting them. ix. We won't get to the exhortation this week, but let's look at what Paul says about their future… e. [Slide 21] 26 - Therefore, I testify to you this day that I am innocent of the blood of all. 27 - For I did not shrink from declaring to you the whole purpose of God. i. Much like God commanded Ezekiel in Ezekiel 3:17 and 18 warning him to be a watchmen for the people and warn them when God tells him to warn them, Paul recuses himself from any guilt that might be placed on him for the spiritual futures of any of these Elders present with him, and for any of the church in Ephesus. ii. Why? iii. Because he did not hesitate to tell them all that God had revealed. iv. If any of these Elders bring a different teaching or slip away from the teaching Paul gave either by adding to it or taking from it – it is not a charge that can be laid on Paul. v. And if they lead any of the Ephesian church members into apostasy or heresy – it cannot be blamed on Paul. vi. Why? vii. Paul did not hesitate to tell them everything God had given him. The whole purpose or counsel of God was available to them through him. viii. Again, this goes back to his statement that he didn't withdraw from telling them everything that was profitable or expedient to them. f. [Slide 22] Summary of the Point: As Paul looks to the future and understands that there is no hope for things to improve. In fact, things will most certainly get worse, for the Holy Spirit has revealed as much to him. But Paul's intention is to continue to exemplify these qualities and these passions. He desires to continue to be used up, to be emptied out, all for the sake of the gospel of God's grace. His desire is to leave no one's blood on his hands, but like a good watchman, he has told everyone all that they must hear to participate in the kingdom of Christ. Despite a bleak future – Paul intends to continue to exemplify these qualities, until he is extinguished. My friends… Elders and those who would be Elders someday… Is this us? It must be. Conclusion: So CBC, what have we learned today and how then shall we live? Doctrinal Takeaway: [Slide 23] All of our truth points come from Paul's example. This may be challenging for us to receive because Paul is merely a man, but when we understand that these qualities in this text are merely a reflection of who Jesus is and what He demonstrated, we then understand that the qualities Paul has demonstrated are simply those he has received from Christ. But if we were to look at the two letters Paul wrote to Timothy and Titus concerning the qualifications for Elders, we would see a remarkable but unsurprisingly similar 1 to 1 connection between those qualifications and the qualities Paul demonstrated to the Ephesians. Paul is blameless, temperate, sensible, respectful, apt to teach, not a brawler but considerate, peaceable, free from the love of money, he had a good reputation with those outside the church, he was not selfish, nor a liar to cheat people of money, he loved what was good, he was righteous, holy, self-controlled, and he held fast the faithful teaching of the gospel, proving to be able to exhort others in sound doctrine, doing the work of an evangelist, and was able to reprove those who contradicted the gospel. In that sense, Paul's life becomes an illustration of what qualities we must look for in men who are or desire to be Elders. And if we are Elders or desire to be Elders, Paul's example becomes a good template to compare ourselves to. But let me seek to apply this text today, primarily to Elders and would be Elders, but also to the congregation as a whole. 1.) [Slide 24] Mind Transformation: “What truth must we believe from this text?” or “What might we not naturally believe that we must believe because of what this text has said?” We must affirm that blamelessness is the chief qualification of an Elder. a. All the qualities Paul puts forward in this text are summarized in the basic qualification of blamelessness. b. Blamelessness is the quality one possesses in which it is impossible to find fault with someone. c. This does not, of course, speak to perfection. All men continue to battle and kill off their sin in this life. If the standard were perfection and true sinlessness, then only Christ could be given the title of Elder. d. Instead, blamelessness takes on a legal quality. In the law of moses it took two or three witnesses to bring someone to trial and find them guilty. e. Similarly, we see in I Timothy 5, Paul outlines the process for the discipline of an Elder. If two or three witnesses are not available to substantiate an accusation of sin against an Elder, then the accusation is not even to be heard. But if two or three witnesses confirm that an Elder is in sin, the Elder must be rebuked. f. This again instructs us as to the exact nature of the qualification of blamelessness. g. In order for a man, who desires the office, to be qualified for it, it must be impossible to achieve the necessary quorum among the body to accuse the man of living in sin. In fact, being blameless would imply that any such accusation would be hard to fathom considering the character of the man in question. h. Blamelessness does not mean sinlessness, but it does mean that there is no sin that is cherished, nurtured, encouraged, or befriended by this Elder. They desire the death of sin in their hearts and keep their accounts short. i. Looking at the rest of the qualifications we can see how all of them flow out of or into this one quality of blamelessness. j. Why must the man be blameless? k. Think about an Elder's responsibility. He is to guard the souls of the little lambs of God, serving as an undershepherd below the Great Shepherd. l. Such a place, such a responsibility, such a position given to a man who no one really trusts, or who when a rumor floats around people say, “well that does sound like a sin he would be doing.” Such a man cannot possibly watch for the souls of others… for others much watch out for his soul instead. He would be a liability to the children of God and the rest of the leadership. m. How can an Elder teach or lead someone in holy and Christlike lifestyles when he himself is ensnared and overcome by sin? n. So, by way of application for us this morning, we diverge into a few groups of people. i. First, if you are a man in this congregation, you need to consider blamelessness to be your command. 1. Whether you are an Elder or not, as a man in our congregation we still possess the innate headship of our home meaning that we are in essence an Elder of our family. 2. We have the responsibility of watching out for the souls of our wife and children or future wife and/or future children. 3. Such a role requires us to be the spiritual leader of our family. Setting the example in thought, word, and deed. Exemplifying Christlikeness. And pursuing Christ before our family and leading them to Him. ii. Second, if you are a man in this congregation who desires the office of an Elder, you must first be blameless. 1. No amount of biblical knowledge can make up for lacking blamelessness in your character. 2. No amount of teaching prowess can make up for lacking blamelessness. 3. No amount of kindness, gentleness, rule following, leadership, or charisma can make up for lacking blamelessness. 4. If a man is perfect in every way, and gifted as Paul was for ministry but was known for indulging in a specific sin… such a man is still unqualified to be an Elder. 5. And it is not enough to be blameless until you become an Elder… now you must live blamelessly not only before your family and the church, but before the other Elders as well. iii. Third, if you are an Elder in this church, let this be a healthy reminder to us that we must continue to be blameless. 1. We must continue to serve the Lord in humility. We must continue to serve Him and His church with tears and with endurance through persecution. 2. We must continue to declare the whole counsel of God to His people, sparing no teaching that is profitable and expedient to them. 3. We must continue to solemnly testify to all men the gospel of God's grace and implore them to turn from their sin and to God through faith in Jesus as Savior and Lord. 4. My friends, we must be blameless. And we must make sure we hold each other to that standard. iv. Finally, if you are none of the above, you must pray for and seek out leaders who are blameless. 1. It is the congregation's responsibility to only seek out and receive Elders who are blameless. 2. And if a Prospective Elder is put forward for consideration, who you do not consider to be blameless, you must make your concerns known to the Elder Board. 3. Although we have only been Elder led for a few years now, there may come a time in the future where the Elders put forward another man we have considered to be qualified to be an Elder in our church. 4. You have a solemn responsibility to make your concerns known to us. Perhaps you know the man in a way we do not. o. For the sake of the church and the purity of the gospel message, Elders must be blameless. 2.) [Slide 25] Refutation: “What lies must we cast down” or “What do we naturally believe, or have been taught to believe, that this passage shows is false?” We must deny that Elders can hold others to a standard they do not meet. a. Nothing Paul will charge these men to do next week are things that Paul has not already demonstrated and done himself. b. Paul is not instructing the Elders in Ephesus to do something he would not or could not do. Instead, he is instructing them to be like him and continue doing what he was doing. c. There is a common saying in ministry and it is something like, “the spiritual maturity of the body can never exceed the average spiritual maturity of its leaders.” d. If such a thing could be measured mathematically, we could conclude that if the spiritual maturity of the Elder board was averaged to be 50% conformity to Christ (again, these are very crude numbers – just follow me for the sake of the illustration) – If this were so, then the church body cannot possibly be expected to exceed that maturity. e. Thus, if the Elders are a group of power-hungry little kings vying for their own slice of the church pie – imagine what such a church would be? f. Regardless of whether you are an Elder, a would be Elder, or a member of this body – this is still further incentive to find men who are blameless to lead. g. Because if they are not blameless, the church won't be anywhere close to blameless. h. An Elder can only preach and teach that which he has repented of and submitted to in His own life. i. Elders must practice in example what they intend to preach from the scriptures. 3.) [Slide 26] Exhortation: “What actions should we take?” or “What is this passage specifically commanding us to do that we don't naturally do or aren't currently doing?” We must pray for godly leaders. a. This works out in two specific ways. b. First, we must pray for God to give more godly leaders to us. i. Unfortunately, Jerry Gunst isn't going to live forever. Neither is Nick, or CJ, or Justin - and even though I am not even 40 yet, I have already begun praying for and looking for a young man who could potentially replace me as the Primary teaching Elder of the church. ii. Our lives seem so long in some ways – so long that we procrastinate on things that go beyond our lifetime. iii. And yet life is so short in other ways. So short that by the time we do realize we need to plan for the future beyond our lives, it is too late. iv. Even now, we can be in prayer for the future Elders of Columbus Baptist Church. v. We can pray that God would give grace to save and shape and mold young men to rise up to the challenge of blamelessly shepherding God's people. vi. You can start that today. Every week I pray through our membership directory. And when I come to a name of a boy – I pray that God would raise him up to be godly and that he might become a future Elder or Deacon of this church. vii. Be in prayer for the future leaders of our church. Even if you will be long gone before they take office… be in prayer. c. Second, we must pray for the leaders we currently have to be godly. i. Occasionally some of you get a sneak peek into the lives of we Elders. ii. Occasionally you are exposed to the trials, the tears, the pains, the hardship, the difficulties we face in leading this church. And that is all in addition to the normal trials and troubles we face in our families and in our personal lives… And most of your Elders actually have ANOTHER job that they do that has its own set of difficulties. iii. My point is, that we… NEED.. your prayers. iv. I would even say that we are desperate for them. v. And don't just pray that we be healthy, that our kids are healthy, that our bodies are healthy… no… please… pray especially that God would protect us from the schemes of the devil and the principalities and powers that seek to destroy us to get to you all. Pray for that first. vi. I'd rather die of cancer having lived a godly life, than live forever having rejected my Lord's commands. And I can confidently say that that is true for all the Elders. vii. Pray for our physical needs – but not at the expense of praying for our spiritual protection and godly wisdom. 4.) [Slide 27] Exhortation: “What actions should we take?” or “What is this passage specifically commanding us to do that we don't naturally do or aren't currently doing?” Elders, we must be Watchmen for these people. a. Notice how Paul twice emphasized that he declared the whole plan of God and all that was profitable to the Ephesian Elders when he was with them. He did this to the extent that if any of them walked away from this truth and their faith failed and they were cast into the lake of fire… then he would not be to blame for it. b. We too are watchmen of these people. c. May none here have the luxury of saying in that final day, “But that Elder didn't tell me everything. He never told me the fullness of your plan or the teachings that were of great expediency to me.” d. May we teach with our words and our lives all that is necessary to be known so that in the final day we are innocent of all blood, having watched out for all the souls in our charge. e. Let us not grow weary in our labor. But let us press on brothers. 5.) [Slide 28] Comfort: “What comfort can we find here?” or “What peace does the Lord promise us in light of this passage of scripture?” A plurality of biblically qualified Elders is one of the greatest gifts Christ has given His church. a. Who wouldn't want a bunch of little Paul's looking out for them? b. Who wouldn't want a bunch of little Christ's guarding them? c. God has called and equipped men to lead His church. They are mere men, which means they are not perfect. But they are equipped by God, blameless, so that even when they fail, they humbly seek forgiveness and make appropriate changes. d. Who else would we want leading our church? e. What a great comfort it is to have godly men leading. f. May they remain godly so that we may thrive as the church of Christ. [Slide 29 (end)] Let me close with a prayer by the Reformer Thomas Becon Lord Jesus Christ, you are the true and everlasting Bishop, the mirror and pattern for all faithful pastors both in life and doctrine. You came down from God your Father not only to be our Redeemer, but also our teacher, to open and declare to us the mysteries of the holy Scriptures. We humbly pray now that in your mercy you would look upon your poor and scattered flock, whom you have purchased with your most precious blood. Send us shepherds who will diligently seek the lost sheep, lovingly carry them on their shoulders, and faithfully bring them home again. Lord, you see how great the harvest is, and how few the workers. You are Lord of the harvest. Send us into the harvest! And take away from us those false prophets who come to us in sheep's clothing, but inwardly are ravening wolves. Take away those false anointed and false preachers, who by their subtle doctrine would bring us into error. Grant also, O Lord, that these true shepherds may accurately and reverently minister your holy mysteries to us… [that we may have] our faith … established, confirmed, and strengthened. And may we be comforted and made strong against the gates of hell, the devil, the world, the flesh, the curse of the law, sin, death, desperation, and all that is hostile to us. May their shepherds hands not be stretched out to receive, and slow to give. But establish in them a mind that is content, and willing to spend for the relief of the poor, that they may feed the flock both in word and deed. You commanded your apostle Peter three times to feed your flock. And you gave this command not only to Peter, but to all your apostles-even to all pastors who follow. Deal with your flock, most faithful Shepherd, according to your promise. Raise up faithful and diligent shepherds who may feed their flocks with your life-filled word, lead a good life, and maintain hospitality for the comfort of the poor. And in all things may they behave according to your will and commandments. So when you, the most high Bishop and chief Shepherd, appear, may they receive the pure and spotless crown of glory. In Jesus' name we pray this. Amen. Benediction: May the Lord grant you The love that leads the way, The faith that nothing can sway, The hope no disappointments can dismay, And the passion that burns like fire. Until we meet again, go in peace.

Verona Murphy currently occupies the hottest seat in Dáil Éireann, despite the ongoing efforts of opposition leaders to oust her. The last time a Ceann Comhairle was left with no choice but to tender their resignation was quite the scandal, with limousines, government jets, and €900 hotel rooms all ultimately accounted for. On todays podcast we dive in some of Irish politic's most notable expenses-themed controversies to have rocked the Dail. ­ Host; Ellen Coyne, Guests Senan Molony and Gabija GataveckaiteSee omnystudio.com/listener for privacy information.

Expense compliance in life sciences is anything but simple. In fact, it's a high-stakes challenge. Regulations are constantly shifting, reporting requirements are strict, and one small mistake can lead to major consequences. But what if there was a way to make compliance effortless? That's where MedPro Systems comes in.Greg Ungemach, CEO of MedPro Systems, joins this episode of the SAP Concur Conversations podcast to share how MedPro helps life sciences companies navigate the complex world of Healthcare Practitioner (HCP) spend compliance. Together, he and host Jeanne Dion, Global Vice President of Customer Advisory at SAP Concur, discuss how automation, real-time integrations, and strategic partnerships are transforming compliance from a burden into a competitive advantage.Tune in to hear how MedPro's solutions help more than 500 life sciences organizations stay ahead of regulations, eliminate manual processes, and focus on what really matters—exceptional patient care. Hosted on Acast. See acast.com/privacy for more information.

Snag Our Simplified Budget System!Feel like budgeting means giving up your coffee runs, tracking every dollar, or living on beans and rice? Think again. In this episode, we're breaking down the 5 budgeting basics that work for every budget—whether you're just starting out, living on irregular income, or totally overwhelmed by the idea of budgeting.We'll show you how to create a simple, effective budget without obsessively tracking every expense or using complicated apps. This is a stress-free, no-shame guide to managing your money in a way that's clear, empowering, and actually doable—no matter your income, lifestyle, or past budgeting fails.If you've ever said, “I just don't know where my money goes,” or “I don't even know where to start,” this episode is for you.

Send us a textLinking the Travel Industry is a business travel podcast where we review the top travel industry stories that are posted on LinkedIn by LinkedIn members.  We curate the top posts and discuss with them with travel industry veterans in a live session with audience members.  You can join the live recording session by visiting BusinessTravel360.comYour Hosts are Riaan van Schoor, Ann Cederhall and Aash ShravahStories covered on this session include -Guy Fisher's post about his almost 2 hour hold with an unnamed airline to complete a simple change to his booking creates plenty of discussion.The French government's much talked about increases in taxes on flights took effect this week.Expedia Group makes a round of job cuts.Snowfall (now Junction) enters into liquidation with debts of £10.5m.The American Express Global Business Travel / CWT deal receives approval from the UK's Competition and Markets Authority.Jay Shabat provides a graph comparing Q4 2024 operating margins amongst major airlines, highlighting by how much International Airlines Group (IAG) outperformed both Air France-KLM and Lufthansa.American Express announces the acquisition of payment and expense tech provider Center (getcenter.com).Shortly after Pieter Elbers reveals that he wishes IndiGo (InterGlobe Aviation Ltd) could fly to Amsterdam, they announce two new long haul routes: Manchester and Amsterdam. They will start serving these destinations in July with a Boeing Dreamliner wet leased from Norse Atlantic Airways.Extra StoriesSpace News!You can subscribe to this podcast by searching 'BusinessTravel360' on your favorite podcast player or visiting BusinessTravel360.comThis podcast was created, edited and distributed by BusinessTravel360.  Be sure to sign up for regular updates at BusinessTravel360.com - Enjoy!Support the show

In this episode, Josiah Mackenzie, founder of Hospitality Daily and Head of Marketing at Actabl, shares takeaways from the recent Hunter Hotel Investment Conference, with insights on the economic environment in 2025 and strategies for hotel owners and operators to thrive:(00:00) Introduction and conference overview(00:21) Changes in hotel investment conversations over the years(00:42) Economic uncertainty in 2025(01:04) Chaos and volatility in the market(01:47) Key takeaways from the opening panel of Hunter(02:09) Importance of understanding the economy for hospitality professionals(02:52) Focus on controllable factors for success(03:12) Long-term opportunities in hospitality(03:44) Expense growth vs. revenue growth(04:15) Maximizing revenue and profits(04:46) Importance of profits in hospitality(05:08) Persistent inflation and its impactAlso see:Why Real-Time Operations Will Define Success in Hospitality - Josiah Mackenzie & Wil SlickersThe Money Behind the Magic: A Different Take on Hospitality - Josiah MackenziePersonal News + Changes Coming to Hospitality Daily - Josiah MackenzieHow Focusing on Operations Drove Demand and Revenue for Me as a Hotel Group Commercial Leader - Adele GutmanThe Secret to Profit and Guest Satisfaction? Clarity in Leadership - Leanne Harwood, IHGWhy The Hotel Industry is at a Pivotal Moment - Zach Demuth, JLLA few more resources: If you're new to Hospitality Daily, start here. You can send me a message here with questions, comments, or guest suggestions If you want to get my summary and actionable insights from each episode delivered to your inbox each day, subscribe here for free. Follow Hospitality Daily and join the conversation on YouTube, LinkedIn, and Instagram. If you want to advertise on Hospitality Daily, here are the ways we can work together. If you found this episode interesting or helpful, send it to someone on your team so you can turn the ideas into action and benefit your business and the people you serve! Music for this show is produced by Clay Bassford of Bespoke Sound: Music Identity Design for Hospitality Brands

Enterprise Connect Podcast | Technology Reseller News “We help finance stop wasting money — and help IT teams keep their sanity.” – Alex Duchovny, VP, Intratem At Enterprise Connect 2025, Intratem brought a focused message to IT and finance leaders: technology expense management doesn't have to be complicated — and the return on investment can be nearly instantaneous. In a podcast interview with Technology Reseller News publisher Doug Green, Intratem Vice President Alex Duchovny outlined the company's approach to simplifying the management of mobile, fixed, and cloud technology expenses. By combining hands-on service with customizable software, Intratem gives organizations the tools and support needed to rein in costs, improve transparency, and eliminate waste. From Telecom to Technology Expense Management Intratem began as a service-first organization, helping clients manage the complexities of telecom billing and mobile device provisioning. Today, the company offers a full Technology Expense Management (TEM) platform that supports modern enterprise environments — including subscription-based cloud infrastructure and usage-based billing models. “With the shift to recurring cloud services, many organizations are unaware of how much waste is hiding in their environments,” said Duchovny. “It's easy to spin up cloud services — but harder to manage them effectively. That's where we come in.” Tailored, Curated Solutions Rather than forcing clients into a prebuilt workflow, Intratem takes a curated approach. The company aligns its tools and services with a client's internal processes, offering automation where it makes sense, and hands-on support where it's needed most. “We start by understanding how the organization works — and then build workflows around that,” Duchovny explained. Fast, Measurable Results According to Duchovny, Intratem's value is often felt immediately. On the mobile side, monthly plan optimization delivers savings in the next billing cycle. On the fixed side, audits quickly uncover overcharges and billing anomalies. In the cloud, even simple changes — such as identifying unnecessary weekend compute usage — can create fast financial wins. Integrated Platform with Real Support Intratem continues to expand its platform capabilities while maintaining its core strength: personal service. “We operate like an extension of the IT team,” said Duchovny. “Our goal is to free up internal resources so they can focus on what matters most.” Learn more about Intratem at www.intratem.com  

For the February Viewer Poll, Tim and AJ talk about Jurassic World, but mostly AJ's beef with certain unnamed directors.Hosted by Tim O'Connor and AJ SalisburyCover art by @roboptera on TwitterFacebook: facebook.com/Standby-LineTwitter: twitter.com/StandbyLinePodInstagram: instagram.com/standbylinepodcastPatreon: patreon.com/standbylinepodcastEmail: standbylinepodcast@gmail.com 

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Ever wondered if one spontaneous decision could completely change your career? That's exactly what happened to Jayla Siciliano. While on vacation, she crunched the numbers on a short-term rental, saw its potential, and the next day, put in an offer on her first property. In this episode of SmartStay Show, Jayla takes us through her journey from that impulsive purchase to building a thriving short-term rental business across multiple states. We dive into the challenges of managing properties remotely, the importance of building a strong local team, and how she scaled her co-hosting operation while maintaining high-quality guest experiences. Jayla also shares how she overcame imposter syndrome, lessons from past entrepreneurial ventures, and why she's now expanding into real estate development. Whether you're a new investor or an experienced host, this episode is packed with insights and inspiration you won't want to miss! Things we discussed in this episode: Jayla's Unexpected Start in STRs – How a vacation rental stay led to her first property purchase. Scaling a Short-Term Rental Business – Growing from a single property to managing multiple across states. Challenges of Remote Property Management – How she successfully operates rentals from across the country. Building a Strong Local Team – The importance of having reliable "boots on the ground." Overcoming Imposter Syndrome – Transitioning from a different industry and establishing credibility in STRs. The Role of Systems and Technology – Using tools like Breezeway and OwnerRez to streamline operations. Expense & Maintenance Management – The hidden complexities of managing costs and upkeep, especially in snowy climates. Co-Hosting and Owner Relations – How she convinces owners to trust a remote management model. Real Estate Investment & Market Strategy – Why she chose Vermont and California for her properties. Future Plans & Expansion – Her podcast Seed Money and plans to develop properties on her Vermont land. . Get in touch with Jayla: Facebook - https://www.facebook.com/jayla.siciliano.akers Instagram - https://www.instagram.com/atlasvacations/ Website - https://www.atlas-vacations.com/ #SmartStayShow #realestate #realestateinvestor #realestateagent #RealEstateInvesting #ShortTermRentals #VacationRentals #AirbnbHost #Entrepreneurship #PassiveIncome #RemotePropertyManagement #CoHosting #STRBusiness #FinancialFreedom Follow Us! Join Jason Muth of Prideaway Stays and Straightforward Short-Term Rentals and Real Estate Attorney / Broker Rory Gill for the first episode of SmartStay Show! Following and subscribing to SmartStay Show not only ensures that you'll get instant updates whenever we release a new episode, but it also helps us reach more people who could benefit from the valuable content that we provide. SmartStay Show Website and on Instagram and YouTube Prideaway Stays Website and on Facebook and LinkedIn Straightforward Short-Term Rentals Website and on Instagram Attorney Rory Gill on LinkedIn Jason Muth on LinkedIn Hospitality.FM SmartStay Show is part of Hospitality.FM, a podcast network dedicated to bringing the best hospitality-focused podcasts to those in and around the industry, from Food + Beverage, Guest Experience, Diversity & Inclusion, Tech, Operations, Hotels, Vacation Rentals, Real Estate Law, and so much more!

FINDING FREEDOM IN FORGIVENESS (EPHESIANS 4:31-32) The overall theme of Paul's message to the believers at Ephesus is about the power that is found when the church is unified in purpose and love.  In the local church there is to be unity, but most of all in the body of Christ, the body of true believers, there is great power and comfort in unity.  Both for the overall body, and the individual believer.   There are two problems that do great psychological, emotional, and spiritual damage to anyone, and perhaps to you.  One is guilt, and the other is bitterness. Guilt imprisons us; bitterness poisons us. Forgiveness is the answer both to bitterness and to guilt. Guilt is the result of something we have done wrong. Bitterness is our reaction to someone else's wrong, or our perception that someone else has wronged us. They both have us in a prison, and it is forgiveness—hallelujah—that sets the prisoner free from guilt, or from bitterness. God's forgiveness of us sets us free from the prison of guilt, and our forgiveness of others sets us free from the prison of bitterness.  In the message today, Paul is telling us that when you forgive someone, truly forgive them from your heart, you set two people free.  One, the person that you have forgiven, and the other is yourself.  Now, “to forgive” actually means “to pay a debt.”  You see, there are no bargain pardons. That is the reason our Lord taught us to pray in the Model Prayer: “And forgive us our debts, as we forgive our debtors.” (Matthew 6:12) Sin is a debt that we owe. We have sinned against heaven, against the kingdom. We have been sued for damages, and it is a debt that we cannot pay. But God, in mercy and in love, has forgiven us and paid that debt. You see, there are no free pardons. When somebody is forgiven, somebody else has paid. For example, if someone owes me a thousand dollars, and that person says, “Keith, I can't pay,” and I say, “All right, I forgive you,” the moment I say that, it cost me what? A thousand dollars. You see, to forgive is to actually pay the debt. The word “forgive” comes from a root word that literally means “to bear the burden.” Now, if that is true, and it is, then let me ask, when our Lord forgives us, does He pay a price? Paul says that the answer to that question is, yes, the Lord does pay a price when He forgives us.  Out of the riches of His grace, He paid the debt Himself and, therefore, cancelled that debt. That is the reason we call salvation “grace”—G-R-A-C-E: “God's Riches At Christ's Expense.” Click on the play button to hear a message on the freedom that we can find in forgiveness. This is a live recording of The Master's Class Bible Study at LifeChange Church Wichita, KS. Amen.

Are you underestimating the impact of taxes on your retirement? Katherine Groce & Samantha Nash discuss how taxes can be a significant expense in retirement, often overlooked by many and dispelling the myth that taxes are lower in retirement. They emphasize the importance of proper tax planning to avoid unexpected financial burdens. Want to begin building your retirement plan? Schedule a call with us here:

A sensational newspaper article alleging bad deeds by Florida insurance companies is prompting the Florida House of Representatives to look into the relationship between companies and their Managing General Agents (MGAs) and affiliated companies.  The Tampa Bay Times reported the companies diverted billions of dollars to affiliates while claiming to lose money from hurricanes, based on the newspaper's reading of a regulator's draft report.Former Florida Deputy Insurance Commissioner Lisa Miller reveals the inadequacies of the article and its misleading and incomplete portrayal of the market and regulation.  She's joined by a veteran Florida insurance agent who explains how MGAs and affiliates function, the financial dynamics of the insurance market, and the consumer safeguards built into the system. Show Notes  (For full Show Notes, visit https://lisamillerassociates.com/episode-56-florida-property-insurance-facts-vs-fear/ ) Allen McGinniss is a licensed Florida insurance agent and the principal of the McGinniss Himmel Insurance Agency, based in Tallahassee, Florida.  He began his insurance career 20 years ago as a State Farm agent before transitioning to an independent agent and co-founding his agency in 2015.  He explained what Managing General Agents (MGAs) are and the crucial role in the insurance industry by performing essential administrative tasks for insurance companies.  These tasks include: Underwriting: Assessing and evaluating risks to determine appropriate coverage and premiums. Claims Management: Handling the process of claims from filing to settlement. Policy Issuance: Managing the issuance and renewal of insurance policies. Why Are MGAs Important?MGAs help streamline operations by providing specialized knowledge and services that insurance companies may not handle internally.  McGinniss said they can either operate within an insurance company or function independently.  This flexibility allows insurance companies to: Respond Quickly to Market Changes: MGAs enable companies to adapt to evolving market conditions efficiently. Manage Claims Effectively: By leveraging the expertise of MGAs, insurance companies can ensure that claims are processed promptly and fairly. The Tampa Bay Times ArticleThe Tampa Bay Times published an article on February 22, 2025 titled Florida insurance companies steered money to investors while claiming losses, study says.  Its reporting was based on a draft of a 2022 consultant's study for the Florida Office of Insurance Regulation (OIR) for the time period of 2017-2019.  According to the article, “While Florida insurers claimed to be losing money in the wake of hurricanes Irma and Michael, their parent companies and affiliates were making billions of dollars.”  It reported that the previously unreleased study's summary “reveals that as the industry was ailing and companies were losing money, executives distributed $680 million in dividends to shareholders while diverting billions more to affiliate companies,” which included MGAs.  McGinniss argued that the...  (For full Show Notes, visit https://lisamillerassociates.com/episode-56-florida-property-insurance-facts-vs-fear/ ) 

Every Monday, Jon Hansen is joined by a specialist from Mesirow to discuss a different topic related to finances. In this episode, Noah Bloch, Vice President and Wealth Advisor at Mesirow, joins Your Money Matters. Noah breaks down ratios that buyers should be looking at when it comes to income and debt. For more information, visit www.mesirow.com or call 877 […]

God's grace is His unmerited, undeserved favor toward us. We are the recipients of God's grace in various forms. Someone once defined “GRACE” with the acronym: God's Riches At Christ's Expense. In 2 Corinthians 6:1, Paul warns us that it's possible to receive God's grace “in vain.” In other words, we can treat God's grace with disgrace or contempt by how we behave. In today's study, Pastor Gary warns us about the five ways we can receive God's grace in vain.

1. This Is the Last Part of the Middle Vision.2. What Is Fundamental Christian Doctrine?3. The Lord Jesus Is the Son of Man of Revelation 14, but There Is Another Supernatural Figure Here.4. The Land Will Be Reaped as Babylon Was Reaped.5. The Reaping of the Olivet Discourse Focuses on First Century Judea.6. God's Kingdom Contains Wheat and Tares.7. I Don't Want a Pure Church at the Expense of Removing the Weak.8. Church Discipline Begins with Faithful Bible Preaching, Earnest Prayer, and Patient Love.9. Judea and Jerusalem Were Taken over by Fanatics who Killed Other Jews.

Michael Garza Podcast:https://open.spotify.com/show/6dBGAg9qohEoWba5VMPMP8Contact Us:Garzamedias@gmail.com#ExpenseRatio #Stocks #ETF #REITs #RealEstate #REIT #RealEstateInvestmentTrustGarza Medias: http://garzamedias.comTerp Canndles: https://TerpCanndles.comMint Mobile: http://fbuy.me/t5tLMDiscover it Card: https://refer.discover.com/s/MICHAEL6043675 ($100 Statement Credit)YouTube: https://www.youtube.com/MichaelGarzaShowRumble!: https://rumble.com/MichaelGarzaRobinhood: https://join.robinhood.com/michaeg4251Disclaimer: The content provided in this video is for informational purposes only and should not be construed as financial, legal, or professional advice. The views and opinions expressed in this video are solely those of the creator and do not necessarily reflect the official policy or position of any other individual or organization.While efforts are made to ensure the accuracy and completeness of the information provided, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the video or the information, products, services, or related graphics contained in the video for any purpose.Any reliance you place on such information is therefore strictly at your own risk. We encourage you to seek professional advice tailored to your specific circumstances before making any financial or legal decisions.The creator of this video shall not be held responsible for any errors or omissions in the content or for any actions taken based on the information provided in this video. We disclaim all liability for damages of any kind arising out of use, reference to, or reliance on any information contained within this video.By watching this video, you acknowledge and agree to the terms of this disclaimer.Affiliate Disclaimer: Some of the links in the video description may be affiliate links or simply referral links, which means that I earn a small commission if you make a purchase through those links. This commission comes at no additional cost to you.I only recommend products or services that I have personally used and genuinely believe will provide value to my audience. Your support through these affiliate links or referral links helps me continue creating content and providing valuable information.Please note that I am not responsible for the quality, accuracy, or any issues that may arise with the products or services offered by the affiliate partners or referral links. It is your responsibility to conduct your own research and make informed decisions before making any purchases.Thank you for your support!I am an entertainer at heart and an experienced long-term investor. I do not teach day trading or those incorrect short-term investing strategies. I believe that a buy, hold and diversification strategy is the best thing you can do to be a successful long term investor.

Today's Poll Question at Smerconish.com: Do you agree with Gavin Newsom that the participation of trans athletes in women's sports is “deeply unfair”? Listen here to Michael's take, then vote at Smerconish.com, and please leave a rating and review of this podcast! The Daily Poll Question is a thought-provoking query each day at Smerconish.com on a political, social, or other human interest issue. Entirely non-scientific, it always begins a great conversation. Michael talks about it in this podcast each weekday.

Do you think Illegal Aliens should get a free taxpayer-funded education at your expense in Tennessee? Many Republicans in leadership voted yes over the last 4 years! I'm not kidding…

Carl and Mike discuss Greg Sankey's comments on a 9 game SEC slate.

What if an expense bot could fix your rejected receipts for you? Or a Slack message could remind you of travel policies before your trip? At Uber, automation is making expense management effortless, saving thousands of hours while keeping compliance in check.In this episode of the SAP Concur Conversations podcast, Justin Reyhl from Uber joins SAP Concur experts Jeanne Dion and Chris Juneau to discuss how automation is reshaping expense management, scaling operations, and creating a seamless employee experience. Justin shares the strategies and technologies driving Uber's success, detailing how his team leverages SAP Concur connectivity, Uber for Business functionality, and home-grown automation to drive efficiency and compliance—without adding headcount. Hosted on Acast. See acast.com/privacy for more information.

Amy Buckalter is a boss. One of those smart people, who have that thing, where you know they understand how business works and how to amplify. She's also unapologetically herself, wearing pantsuits while refining the sales strategies of action sports brands like Burton and K2. But her resume goes way deeper than that, think Converse, Terramar, Ryka, Nike, Yakima Pivot Point, and today, she's the founder and CEO of Pulse, a personal lubrication system with over 105 patents. So I guess you can say she's gone from sports to sex and while there are a lot of ins and outs to her life and times, Amy's managed to stay on top and achieve success at every step along the way. It's an interesting podcast with my first boss.  Amy Buckalter Show Notes: 4:00:  Expense reports, Connecticut, sexuality, college, being a leader, Wall Street, getting into sports as a woman, Terramar 21:00:   Stanley:  The brand that invented the category! Only the best for Powell Movement listeners.  Check out Stanley1913.com   Best Day Brewing:  All of the flavor of your favorite IPA or Kolsch, without the alcohol, the calories or sugar. Ski Idaho:  The best, least crowded, skiing in the world, happens in Idaho 24:00:  Rollerblade, Ryka, K2,the old boys club 42:00: Elan Skis:  Over 75 years of innovation that makes you better. Outdoor Research: The best in snow and beyond is developed in the wet conditions of the PNW 44:00:  Marketing to women, learning more at Wharton, and Nike 54:00:  Burton, Yakima, product, Pivot Point, building her own Pulse product and raising money 77:00:  Inappropriate Questions with Marcy Grantor

Common practice is to measure Sales and Marketing expenses as a percentage of revenue, which in the SaaS industry ranges between 20% - 60% based upon stage, growth and efficiency. CAC and Growth discuss an alternative metric which measures the ratio between Sales expenses and Marketing expenses, known as the Sales/Marketing Expense Ratio.During this episode topics discussed include:Sales and Marketing expense as percentage of revenue benchmarksSales and Marketing expense ratio - value and insightsWhat a 2:1 Sales and Marketing expense ratio meansWhat drives a changing Sales and Marketing expense ratioCustomer Acquisition Cost Efficiency metric - CAC Ratio vs S&M Expense RatioIf you are interested in measuring the allocation of the GTM budget between Sales and Marketing, this is a great episode and listen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Somewhere along the way, many of us decided we had to be nice no matter what and that it comes before everything else. Being 'nice' was the badge of honor for being a good person, being liked, showing that you are evolved and awakened. And yes on the surface this all makes sense but not when we are doing it at the expense of being our authentic selves. Modern day self help and spirituality has led us astray from what the true end goal is, and we are sacrificing the real end goal just so we can be “nice and kind” to get external validation and praise. In this episode, I unpack why so many of us have it backwards and why it is important to lead with authenticity over being nice. Want to unpack a topic or something you are going through with me? Send me a DM  

I recently sat down with Geoff Charles, Chief Product Officer at Ramp, to discuss the rapidly evolving landscape of corporate finance technology. Recently promoted to CPO, Geoff has been with Ramp since its early days when the company was just 10 people. His journey from product manager to C-suite exemplifies Ramp's growth trajectory as a company now hiring hundreds of employees annually. The Big Ideas AI as a Financial Co-Pilot: “The average employee doesn't have a degree in finance… our models are more accurate than the average employee,” Charles explains, highlighting how AI can democratize financial expertise. Unified Financial Operations: “Why is it that you see receipts for expenses in one product and accounts payable in another? Makes no sense,” says Charles about the fragmented finance software landscape Ramp aims to consolidate. Selective Automation: Charles emphasizes their approach to automating what makes sense: “Where there's high criticality and where humans are very good at it… we need to be very cautious with where we apply AI.” Financial Data as an Asset: “Because everything happens on Ramp… we know with your location, we know the receipts, we know the actual request,” Charles explains how comprehensive data improves AI accuracy. Self-Disruption as Strategy: “If you don't build the thing that kills you, someone else will,” says Charles on Ramp's proactive approach to reimagining their products in an AI-first world. “We're continuing to really push leaders to build capabilities with their reporting lines,” says Charles. “It's important for us to continue scaling and promoting internally, which is a big part of our culture at Ramp — to find early talent, to mentor them, to grow them, and to give them unlimited growth potential within the company.” Geoff describes the product culture at Ramp as “intense,” with product managers serving as the “pace keepers and pacemakers” of the tech organization. This culture of speed, decision-making, and customer-centricity has helped position Ramp as an innovator in the corporate finance space. The conversation explores how AI is transforming traditional expense management, the strategic importance of owning transaction data, and the opportunities in automating financial workflows.

DJ & PK talked about if the University of Utah has morphed into being a football school instead of a basketball school and if it really matters.

How to Reduce Your Third Biggest Expense with Jason Allen>> Get the newest LFG episodes delivered to your inbox when you Sign Up for our Newsletter.>> Get the new book beyondintakebook.comResource Links:Fast track your marketing efforts while avoiding common marketing mistakes in our new trainingEstate planning attorney? Stop guessing how to get results from online ads and grow your firm with our client-generating Seminar 3.0CTAsBook time with Jason https://calendly.com/jasonrallenEmail: jason@firmoutcomescomPhone: (773) 985-7556 Hosted on Acast. See acast.com/privacy for more information.

Learn how to take control of your lawn care business finances with simple budgeting and expense-tracking strategies that set you up for long-term success. Connect with Paul: Click Here Save 50% off Equip Exposition Tickets Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Call Rail Paul's Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash  

Send us a textWhat if your labor costs are eating away at your profits without you even realizing it?Many bar owners struggle with managing labor costs effectively, leading to diminished profits and operational challenges.In today's episode:Learn proven strategies for labor cost controlUnderstand the importance of proper schedulingDiscover how to maintain quality service while optimizing staffing levels.Master the essentials of labor cost management to boost your bottom line - press play now.Learn More:The Bar Business Podcast WebsiteSchedule a Strategy SessionChris' Book 'How to Make Top-Shelf Profits in the Bar Business'Bar Business Nation Facebook GroupThank you to our show sponsors, SpotOn and Starfish. SpotOn's modern, cloud-based POS system allows bars to increase team productivity and provides the reporting you need to make smart financial decisions. Starfish works with your bookkeeping software using AI to help you make data-driven decisions and maximize your profits while giving you benchmarking data to understand how you compare to the industry at large. **We are a SpotOn affiliate and earn commissions from the link above.A podcast for bar, pub, tavern, nightclub, and restaurant owners, managers, and hospitality professionals, covering essential topics like bar inventory, marketing strategies, restaurant financials, and hospitality profits to help increase bar profits and overall success in the hospitality industry.

Johnny Dollar jumps from one disaster to another in Out of the Fire and Into the Frying Pan, dodging double-crosses and danger. In The Search for Michelle Marsh, he hunts for a missing woman tangled in lies and deception. Expense accounts rise, bullets fly—just another day for America's favourite insurance investigator! Support the Podcast and help it grow!

Like this show? I greatly appreciate your support:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/josephcotto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Every penny helps. Thanks!This episode was livestreamed on February 23, 2025.

Three years after Vladimir Putin's full-scale invasion of a sovereign state, what has he gained? The answer seems to be a path to normalisation with the United States and negotiations on Ukraine – without the Ukrainians or the Europeans. Instead, Donald Trump is sending his secretary of state and national security advisor to Saudi Arabia, along with fellow New York real estate mogul Steve Witkoff, who has swiftly pivoted into a Middle East envoy role.  Meanwhile, Brussels is a long way from Riyadh. So why is retired General Keith Kellogg – touted as Trump's steady hand on Ukraine – meeting with EU leaders instead of leading the negotiations? We examine what lies at the heart of this potential deal with Putin. We also assess how far European powers progressed at Monday's emergency summit in Paris, hastily convened after US Vice President JD Vance delivered a stark warning to allies at the Munich Security Conference over the weekend. How much leverage do Europe and the Ukrainians have when the continent's main security guarantor seems more inclined to talk to Moscow?Produced by François Picard, Rebecca Gnignati, Guillaume Gougeon and Ilayda Habip.

In this episode of Coffee With Your Retirement Coach, Aaron and Randy Yeomans dive into the critical debate of whether a home is an investment or an expense. Joined by Greater Atlanta realtor, Kad Mendoza, the discussion offers deep insights into the current housing market, the importance of prepping your home for sale, and the key mistakes to avoid both when selling and buying property. From understanding the 'real estate parade' to critical lending advice, this episode is packed with practical tips and long-term strategies for making smart real estate decisions. Whether you're considering a major move or looking to optimize your current living situation, tune in for expert advice that can help you make informed and financially sound choices. 00:00 Introduction to Investment vs Expense 00:29 Meet the Guests: Randy and Kad 01:03 Current Real Estate Market Insights 03:04 Preparing Your Home for Sale 04:58 Common Mistakes in Home Selling 07:49 Evaluating Home Improvements 16:30 Buying a Home: Key Considerations 17:39 Financial Planning for Home Buying 20:43 Common Mistakes When Buying a Home 20:49 Importance of a Knowledgeable Real Estate Agent 22:18 Seeing Potential in a Property 24:10 Considering Future Needs in Home Buying 26:40 Downsizing and Financial Planning 31:55 Preparing Your Home for Sale 34:09 Choosing the Right Offer and Lender 35:36 Moving to a New Community 37:13 Final Thoughts and Advice   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972    Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Ben Griffin joins us ahead of the Genesis Invitational at Torrey Pines, where he'll be teeing it up for the second time in four weeks. The former loan officer (heard that one before?) breaks down the exorbitant yearly expenses for a tour pro, tells us what situation makes him the most nervous on the golf course and comes up with an all-time Si Woo Kim story on the fly. Plus, Genesis picks and a rant on why the vibe at the WMPO's 16th hole is kind of dead.

Join the Rooted in Retail Mastermind: Resilient Together--Tired of high sales but low profits? It's time to flip the script.  In this episode, retail finance expert Christyne Gray brings over 20 years of experience to help creative entrepreneurs master their money. Discover how to shift your focus from just growing revenue to maximizing profitability. Christyne breaks down the percentages you should be spending, shares common money mistakes retailers make, and introduces realistic revenue mapping techniques that align with your long-term goals. If you're ready to take control of your finances and build a thriving, sustainable business, this episode is a must-listen! [3:27] Christyne's 20-year journey from retailer to financial expert  [7:09] The mindset shift: Why profitability beats revenue growth every time  [10:48] How holistic financial planning connects daily actions to long-term success  [15:21] Building financial frameworks that align with your business goals  [15:55] Realistic revenue mapping: The blueprint for sustainable growth  [21:17] The right way to plan and allocate your budget  [27:13] Avoid these common financial mistakes most retailers make  [29:40] Expense control problems? Here's why it's becoming a bigger issue  [33:49] Why up-to-date accounting is critical for business success  [38:41] Inspiring success stories from retailers who transformed their finances  ---Get all of the resources in our show notes - https://rootedinretail.com/episodes/boost-your-retail-profits-with-christyne-gray/Join the Rooted in Retail Facebook Group to continue the conversation Get your ticket to EVOLVE 2025 - $200 off when you use the code rooted Join our newsletter for all the latest marketing news for retailers Show off your super fandom by getting your Rooted in Retail Merch!

Join Sarah Olivieri in this insightful episode of Inspired Nonprofit Leadership, where she answers a pressing question from a board member: "How can we justify approving a big expense during a tight budget year?" Sarah discusses different categories of expenses and offers practical advice on focusing on revenue-generating expenses even in challenging financial times. Learn why cutting costs is not always the best solution and discover effective strategies to improve your nonprofit's financial situation. Episode Highlights Addressing Budget Concerns Types of Expenses Solutions for Tight Budgets Justifying Big Expenses About Your Host Have you seen Casino Royale? That moment when Vespa slides in elegantly, opposite James, all charming smile, razor-sharp wit and mighty brainpower, and says, “I'm the money”? Well, your host, Sarah Olivieri has been likened to Vespa by one of her clients – not just because she's charming, beautiful and brainy– but because that bold statement “I'm the money” was, as it turned out, right ON the money. Sarah helps nonprofits transform their organizations from failing to thriving. And she's very, very good at it. She's brought nonprofits back from the brink of insolvency. She's averted major cash-flow crises, solved funding droughts, board conflicts and everything in between… and so she has literally become “the money” for many of the organizations she works with. As the former director of 3 nonprofits and founder of 5 for-profit businesses, she understands, deeply, the challenges and complexities facing organizations and she's created a framework, called The Impact Method®️, which can help you simplify operations, build aligned teams and make a bigger impact without getting overwhelmed or burning out – and Every. Single. One. Of her clients that have implemented her methodologies have achieved the most incredible results. Sarah is also a #1 international bestselling author, holds a BA from the University of Chicago with a focus on globalization and its effect on marginalized cultures, and a master's degree in Humanistic and Multicultural Education from SUNY New Paltz. Access additional training at www.pivotground.com/funding-secrets or apply for the THRiVE Program for personalized support at www.pivotground.com/application Sponsored Resource Join the Inspired Nonprofit Leadership Newsletter for weekly tips and inspiration for leading your nonprofit! Access it here >> Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn. Connect with Sarah: On LinkedIn>> On Facebook>> Subscribe on YouTube>>

Did you enjoy this episode? Text us your thoughts and be sure to include the episode name.The FASB's new disaggregation of income statement expenses (DISE) standard requires disclosures about specific types of expenses included in the expense captions presented on the face of the income statement as well as disclosures about selling expenses. In this episode, we explore the scope, key provisions, and practical challenges of implementing the new standard.In this episode, we discuss:2:32 – Overview of FASB's DISE standard5:00 – Which entities are impacted by the new requirements7:53 – Key disclosure requirements, including tabular reporting13:26 – Challenges in disclosing inventory-related expenses20:07 – Use of estimates and data limitations in reporting27:33 – Transition timeline and practical steps for implementationFor more information, see our publication, FASB issues new disaggregated expense disclosure requirements (DISE). Additionally, follow this podcast on your favorite podcast app for more episodes.About our guests:Angela Fergason is a partner and standard setting leader in PwC's National Office who specializes in accounting for revenue and employee compensation arrangements. She also consults on a range of financial reporting issues impacting technology companies. Gary Sardo is a partner in PwC's National Office who specializes in financial reporting matters that impact health industries and, more broadly, consults on a range of accounting topics, including acquisitions, divestitures, consolidation, and revenue recognition. Prior to this role, Gary completed a two-year fellowship at the FASB. About our host:Guest host Kyle Moffatt is PwC's Professional Practice leader, leading a team responsible for working with standard setters and regulators as well as delivering brand-defining thought leadership and educational materials. He also consults with engagement teams and audit clients on SEC reporting matters. Before PwC, Kyle spent almost 20 years with the SEC, most recently as Chief Accountant and Disclosure Program Director in the Division of Corporation Finance.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.com. 

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- Download our FREE Financial Planning Workbook for 2025!

Slocomb Reed interviews Dan Krueger from Invictus Capital, who shares insights into his journey from corporate finance to multifamily real estate investing. Dan discusses his current focus on the Minneapolis market, strategies for improving debt terms, and the importance of expense reduction in today's economic climate. He highlights the significance of leveraging tax incentives and offers practical advice for real estate investors. The conversation concludes with a lightning round of quick questions, providing further insights into Dan's philosophy and approach to investing. Sponsors: Crystal View Capital Capital Gains Tax Solutions Learn more about your ad choices. Visit megaphone.fm/adchoices

Galatians 3:10-14 Thanks to everyone who supports TMBH at patreon.com/thetmbhpodcast You're the reason we can all do this together! Discuss the episode here Music by Jeff Foote

One of the first questions Dan asks in his coaching sessions with 6 & 7-figure entrepreneurs is: would you re-hire your team today? Your team is likely your largest expense, so it's critical that you know exactly how they're driving revenue every step of the way. Dan goes through 10 questions that will help you make hard decisions with confidence and clarity. Learn more at dynamitecircle.com (dynamitecircle.com) Connect with us: Dan: @TropicalMBA (https://twitter.com/TropicalMBA) or dan@tropicalmba.com Ian: @AnythingIan (https://twitter.com/AnythingIan) or ian@tropicalmba.com Useful links: Connect with other entrepreneurs (https://dynamitecircle.com/join-dc/) Coaching for $250K+ founders (https://dynamitecircle.com/dc-accelerator) Community for 1M+ founders (https://dynamitecircle.com/dc-black) Hire remote talent (https://remotefirstrecruiting.com/) Find a remote job (https://dynamitejobs.com/) Follow us on Instagram (https://www.instagram.com/tropicalmba/) Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Tommy Griffith, Justin Tan, Matt Gartland, Travis Jamison, Ayman Al-Abdullah, Tynan, Brian Balfour, Nick Huber, Mike Michalowicz, Greg Crabtree, Jordan Gal Additional episodes you might enjoy: “$1.5 Million from LinkedIn: Strategies for Building Influence and Consistent Revenue” (https://tropicalmba.com/episodes/million-from-linkedin) “It's easier to 10X than to 2X” + 8 Lessons from CEO Bootcamp (https://tropicalmba.com/episodes/easier-10x-than-2x) Building ‘Brick by Brick': Goals, Plans, Scorecards, Cadence (https://tropicalmba.com/episodes/brick-by-brick)