Podcasts about Junk

The boys are back to review 'Wolves and a Door' Also: Adam's Junk, Twin Cities talk, SBF SFX of the week (FEEEESH), an upcoming field trip and more Head to Connelberg's GoFundMe and help out a great dude: https://www.gofundme.com/f/connelberg-medical-expenses Check out The Bondsman's Store: https://irmasfinlandhouse.com/ and use the promo code "clonecast" at checkout for 10% off Please share the show with anyone that you think will dig the pod! Each download is one validation star given to our psyche. Reach out to us at clonecastpod@gmail.com Follow us on Instagram/twitter/TikTok @clonecastpod Leave a 5 star review on Apple Podcasts or your podcast platform of choice! Join us on the Discord! DM us on Twitter for an invite Check out our Podcast network @podawans on twitter You have your mission, CloneCastanovas!

This week! CJ and Phil discuss some of the announcements from the State of Play and Nintendo Direct, with a side of important Japanese gaming news. Plus Logiart Grimoire, Starfield, We Were Here Expeditions: The FriendShip, F-Zero 99, Skyrim and much, much more. Join us, won't you? Links of interest: Picross S+ collection New Shin-Chan game Rainbow Cotton coming to Switch/everything PS5 system update Nintendo Direct F-Zero 99 Luigi's Mansion 2 HD Mario Vs. Donkey Kong remake Mario RPG stuff Thousand Year Door coming to Switch WayForward's Contra Splatoon 3 Side Order coming in Spring Dave the Diver coming to Switch Tomb Raider 1-3 Trilogy to Switch/everything else Another Code for Switch State of Play Baby Steps looks fun Spider-Man 2 = awesome PS5 Deep Earth Collection controllers, faceplates Spider-Man 2 previews Logiart Grimoire We Were Here Expeditions: The FriendShip Starfield F-Zero 99 Skyrim Greg Sewart's Extra Life Page The Player One Podcast t-shirt The Player One Podcast mug ResetEra Player One Podcast Topic Player One Podcast Discord Greg Streams on Twitch Sega's Civil War - Generation 16 #129 Add us in Apple Podcasts Check out Greg's web series Generation 16 - click here. And take a trip over to Phil's YouTube Channel to see some awesome retro game vids. Follow us on twitter at twitter.com/p1podcast. Thanks for listening! Don't forget to visit our new web site at www.playeronepodcast.com. Running time: 1:53:02

TUESDAY HR 4 Detective Barb from CrimeLine Flashing on the bus. Frank the Bear update Monster Sports - New MNF theme song. MNF games

Mike C/Junk Wax Hero jumps in for Newman and him & Danny discuss what they'd collect if they started over today. "Card Mensches" Brought to you by SGC & Robert Edwards Auction. A new format for Sports Talk and Sports Cards!" linktr.ee/cardmensches linktr.ee/sportsbalthttps://linktr.ee/Sportscardna...This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4761791/advertisement

Plenty of gaming news to sift through this week as we give some initial thoughts on the Unity pricing model change and discuss the reveals from the latest Nintendo Direct including Paper Mario: The Thousand-Year Door remake, Princess Peach Showtime! and Mario vs. Donkey Kong as well as the Sony State of Play with a new look at Final Fantasy VII Rebirth.

It's a Bronze-Age Buffet! Let the feast begin! In SUPERNATURAL THRILLERS #5, we meet N'Kantu, the warrior-king who led a slave rebellion against a mighty pharaoh...and paid the ultimate price: a hellish immortality spanning three millennia.  Next Up: Brother Voodoo in STRANGE TALES #169! MAIL: bronzeagemonsters@gmail.com  STORE: https://bronzeagemonsters.threadless.com/ SUPPORT THE SHOW: https://www.patreon.com/BronzeAgeMonsters DISCORD: https://discord.gg/NcFaq9Ednq VM: 971-220-JUNK

National Thank You Day.  Jorts are back and extra jorty.  Jesse James Dupree calls in and talks about his new song. See omnystudio.com/listener for privacy information.

(9/15/23) Predictions are for no more rate hikes for a while; UAW Strike is on: What do you do if you need a car now? How to plan for taking care of elderly parents. At what age are best financial decisions made? Financial literacy peaks at 54; " eureka moment" at 45. What happens when your 90-year old parent moves-in? How to talk about aging and finances: When it's time to take away the financial keys; planning ahead to avoid animosity. The documentation you need: Wills, Directives, TOD's, & Trusts; Fidelity FidSafe, online access to accounts. What do you do with all that junk...er, those heirlooms? SEG-1: The UAW Strike: What if You Need a Car? SEG-2: The Best Age for Making Financial Decisions SEG-3: How to Talk About Aging & Financials SEG-4: What Do You Do With the Junk? Hosted by RIA Advisors Senior Financial Advisor Danny Ratliff, CFP, Senior Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=eGPpBMhoPVE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2664s -------- The latest installment of our new feature, Before the Bell, "What's Likely to Trigger the Next Round of Volatility?" is here: https://www.youtube.com/watch?v=jypMhluou3s&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What's Up with Inflation?" v=3UG4e75gfbM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2731s -------- Articles mentioned in this report: "The Lag Effect Unveiled" https://realinvestmentadvice.com/the-lag-effect-unveiled/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/3016835714744/WN_zCk25t5QThq7CG5NHH4UIg ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #UAWstrike #ElderlyParents #Eldercare #FinancialKeys #FinancialDiscussion #FinancialLiteracy #Markets #Money #Investing

Junk Food Dinner is back and this month we cautiously dip our toes back into the Ghoul Summer waters with three semi-ghoulish creep flicks! Up first, we get a first-hand look at the grim and sad lives of inmates of a Massachusetts mental asylum in the 60's in the avant garde, black & white documentary Titicut Follies from 1967.Then, Michael Rooker makes his film debut in the low-budget look into the life of a murderous psychopath, his equally psychotic roommate and his innocent sister in 1986's Henry: Portrait of a Serial Killer.And finally, an Iraq/Afghanistan War veteran returns home with a screw loose and kidnaps two young girls he believes are his daughters in the ultra-low-budget Song of the Blind Girl from 2011. All this plus Kevin's adventures in movie-going, Sean's trip to Boston, Halloween junk food of 2023, upcoming Jekyll & Hyde news, a new Dune book and so much more!LISTEN NOW:MP3 Direct DonloydAlso, if you like the show, please take a minute and subscribe and/or comment on us on iTunes, Stitcher, Blubrry or Podfeed.net. Check us out on Facebook and Twitter! We'd love to see some of your love on Patreon - it's super easy and fun to sign up for the extra bonus content. We'll keep this podcast going with your love and support.

Mike C/Junk Wax Hero has a very popular YouTube Hobby channel, he joins us to discuss that and we chop up some up hobby topics Talking Points: *Why he launched his channel. *His new show with Chris Sewall *NSCC review *Process of writing a hobby book Follow us on Social Media: Website:https://www.sportscardnationpo... https://linktr.ee/Sportscardna... Follow us on Social Media: Website:https://www.sportscardnationpo... https://linktr.ee/Sportscardna...This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4761791/advertisement

(9/15/23) Predictions are for no more rate hikes for a while; UAW Strike is on: What do you do if you need a car now? How to plan for taking care of elderly parents. At what age are best financial decisions made? Financial literacy peaks at 54; " eureka moment" at 45. What happens when your 90-year old parent moves-in? How to talk about aging and finances: When it's time to take away the financial keys; planning ahead to avoid animosity.  The documentation you need: Wills, Directives, TOD's, & Trusts; Fidelity FidSafe, online access to accounts. What do you do with all that junk...er, those heirlooms? SEG-1: The UAW Strike: What if You Need a Car? SEG-2: The Best Age for Making Financial Decisions SEG-3: How to Talk About Aging & Financials SEG-4: What Do You Do With the Junk? Hosted by RIA Advisors Senior Financial Advisor Danny Ratliff, CFP, Senior Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel:   https://www.youtube.com/watch?v=eGPpBMhoPVE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2664s -------- The latest installment of our new feature, Before the Bell, "What's Likely to Trigger the Next Round of Volatility?" is here:  https://www.youtube.com/watch?v=jypMhluou3s&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What's Up with Inflation?" v=3UG4e75gfbM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2731s -------- Articles mentioned in this report: "The Lag Effect Unveiled" https://realinvestmentadvice.com/the-lag-effect-unveiled/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/3016835714744/WN_zCk25t5QThq7CG5NHH4UIg ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #UAWstrike #ElderlyParents #Eldercare #FinancialKeys #FinancialDiscussion #FinancialLiteracy #Markets #Money #Investing

The guys both let out a collective sigh about Aaron Rodgers tearing his Achilles Heel during the first Jets game of the season. Then Justin recounts the paranormal experience he and Kate had at the historic Red Lion Inn in Massachusetts. Then we read a letter from Chelsea who listens to the pod while working as a massage therapist, her Would You Rather asks whether we'd rather lick a port-o-potty seat or a ride handle at a fair/festival

M. Chris Fabricant is the Director of Strategic Litigation for the Innocence Project. His new book is Junk Science and the American Criminal Justice System. Plus, a Senate without Mitt. And the UAW strikes for wages and trash cans. Produced by Joel Patterson and Corey Wara Email us at thegist@mikepesca.com To advertise on the show, visit: https://advertisecast.com/TheGist Subscribe to The Gist Subscribe: https://subscribe.mikepesca.com/ Follow Mikes Substack at: Pesca Profundities | Mike Pesca | Substack Learn more about your ad choices. Visit podcastchoices.com/adchoices

Phil and Nick speak to Adam from JunkShopDog about his love for Japanese figures and his upcoming Matt Cardona figure plus our favorite "non figure" items in our collections, Nick tries to name the top ten grossing movies of all time, and much more! --- Support this podcast: https://podcasters.spotify.com/pod/show/thefigcave/support

About Our Junk Collection CompanyGhost Junk Removal & Delivery is a professional junk removal company that specializes in providing clients with quality services. We are focused on removing any items that our clients don't need. This includes both large and small junk items, along with trash. Whether the junk or trash removal job is big or small, we are the experts that you can rely on to complete the task.A Team of Junk Removal Experts in Tewksbury 01876 MA (ghostjunkremoval.com)Why Choose UsWe have a common goal, which is to satisfy our customers each time by being responsive, courteous, efficient, and budget-friendly. When you work with our junk collection team, all you have to do is tell us what you want to be removed and leave the rest to us. We do everything with great attention to detail and are determined to leave your property in Tewksbury, MA clear of any junk.A Professional ServiceOur company in Tewksbury, MA consists of a team of hauling professionals that have a substantial amount of experience working in this industry. Whether it is a quick junk removal service or one that is a bit larger, we can help. Ghost Junk Removal & Delivery is the company that you need to get rid of all of your junk and trash.If you are in search of our reliable junk collection services, give us a call today at (978) 226-1240 to schedule your appointment! Ghost Junk Removal & DeliveryTewksbury, MA 01876Phone: (978) 226-1240***Please note all opinions expressed on The Three Guys Podcast do not represent any Group, Company or Organization***Episode Produced by The Three Guys ProductionsInstagram: The Three Guys Podcast (@the_three_guys_podcast_) • Instagram photos and videosTwitter: The Three Guys Podcast (@TheThreeGuysPo1) / TwitterYouTube: Three Guys Podcast - YouTubeLinkedIn the-three-guys-podcastDerek: Derek DePetrillo (@derekd0518) • Instagram photos and videosBrian: Brian Nazarian (@the_real_brian_nazarian) • Instagram photos and videosBrett: Brett J. DePetrillo (@78brettzky

Queen City Confessions Thursday 9/14/23

What A Piece Of Junk! The FPNet Star Wars Show Episode 129 Star Wars Ahsoka Shadow Warrior! Watch the video version of this show on the Fandom Podcast Network YouTube Channel Here:  https://www.youtube.com/@FandomPodcastNetwork Star Wars Ahsoka has gone deep in to the well of the Space Fantasy side of the epic, and the guys have their minds BLOWN by everything that Ahsoka did in the World Between Worlds on Episode 5 of Ahsoka: Shadow Warrior! What was that version of Anakin Skywalker? Is she now Ahsoka the White? Did she come back to the prime material plane with new or enhanced force powers? Will Hera get court martialed for going off on her own or is it all ok now that the New Rebpublic Fleet has actually seen the Purgill? How do Space Whales even work?!?!? All these questions plus lots of discussion about the connections we made with the rest of the Star Wars Galaxy from this episode are waiting for you on What A Piece of Junk! What A Piece of Junk is THE podcast on the Fandom Podcast Network dedicated to covering everything Star Wars. From the original Star Wars trilogy movies, prequels, sequels, Legends canon, Disney's acquisition of Star Wars and its products, and all the fan favorite content out there, we have you covered. So please make sure to stop on over at your local cantina, grab a drink, cozy on up to your favorite alien (or droid), and get ready to talk Star Wars!   What A Piece Of Junk / Fandom Podcast Network Contact Information: -What A Piece Of Junk a Star Wars Podcast audio podcast master feed: https://fpnet.podbean.com/category/what-a-piece-of-junk-a-star-wars-podcast… - What A Piece Of Junk a Star Wars Podcast Facebook Group: https://www.facebook.com/groups/WhatAPieceOfJunk/ - Email: whatapieceofjunkpod@gmail.com - Twitter: @WhatWars Fandom Podcast Network Social Media links. - Fandom Podcast Network Audio Master Feed: https://fpnet.podbean.com/ (The FPNet is on Podbean app) - Instagram: @FandomPodcastNetwork  - Twitter: @FanPodNetwork - Fandom Podcast Network is on all major podcast platforms. - Facebook: Fandom Podcast Network: https://www.facebook.com/Fandompodcastnetwork/ Fandom Podcast Network Tee Public Store: Please support  the What A Piece Of Junk podcast and the Fandom Podcast Network by visiting our TeePublic store, while wearing your favorite show logos with pride!   Tee Public Store: https://www.teepublic.com/user/fandompodcastnetwork  

Do you want to eat intuitively but find yourself only wanting "junk food"? This is a common thing to hear from people trying healing their relationship with food. A caveat to this conversation -- depending on where you are in this process, the approach to this conflict will be different. For example, wanting fun foods (and ONLY fun foods) at the beginning of recovery can be a really normal part of the healing process. This conversation also considers the more chronic, ongoing experience of wanting only fun foods all the time. We discuss: Why are we putting “junk food” in quotation marks/inverted commas? How is “junk food” defined? Junk food begets junk food? Will our bodies naturally crave salads (etc) after a while?  What if we don't like fruits or vegetables? What if there are certain foods that we are simply not able to habituate? Is abstinence from certain foods a good idea? What are your beliefs about these foods in general, or specific types of these foods? How can meal prep help here? This topic has different approaches at different stages of recovery Join the LAD Membership Connect with the show! Instagram – https://www.instagram.com/lifeafterdietspodcast/ Email – lifeafterdietspodcast@gmail.com Website – www.lifeafterdietspodcast.com Connect with Sarah Dosanjh Website – www.thebingeeatingtherapist.com YouTube – https://www.youtube.com/c/TheBingeEatingTherapist  Sarah's book I Can't Stop Eating is available on Amazon Connect with Stefanie Michele Website – www.iamstefaniemichele.com Binge Eating Recovery Course: www.iamstefaniemichele.com/iamstefaniemichelecourse Body Image Webinar + Workbook: https://www.iamstefaniemichele.com/get-started/p/bodyimage

Your 60-second money minute. Today's topic: Junk Fee Fight

EPISODE 243 - Patrick Lombardi - A Listener, Now a Guest - Junk Sales and Food Truck RecipesPatrick Lombardi was born and raised in New Jersey and currently resides in Mercer County. He graduated from Rider University in Lawrenceville, N.J., with a bachelor's degree in English. He is a full-time employee with the state and contributes to BestofNJ.com. He also has been published in outlets such as BuzzFeed, NJ.com, The Times of Trenton, Odyssey, MyCentralJersey.com, Courier News, Home News Tribune, and Patch.com. His first book, Junk Sale, a collection of humorous short stories and essays, was published in August 2018. His second book, The New Jersey Food Truck Cookbook, hit shelves February 13, 2023.​BooksJunk Sales - Stories and Essays - Don't expect to find any hidden gems at this junk sale.In writer/journalist Patrick Lombardi's debut book, tales get twisted and encounters get heated. This collection features more than a dozen humorous short stories and nonfiction essays. Lombardi has crafted a hilarious adventure into his own little world, where a man finds love while committing burglary, a fresh college graduate does his best not to get hired, and a bitter server verbally abuses his guests. So buckle up for a chaotic ride of stories that live up to their collective title. Junk Sale is bound to make you laugh so hard you'll cry—or cry so hard you'll laugh. Either way, you'll cry. Isn't that the point of humor?The New Jersey Food Truck Cookbook - Discover the best of the Garden State's booming food truck scene...Whether appearing at food festivals, catering personal and business events or just serving up lunch on the job site, New Jersey's food trucks are some of the best in the nation. These eateries on wheels offer mouthwatering favorites alongside innovative interpretations of iconic dishes. The Jersey Roll truck and shop keeps tradition alive, slinging the Garden State staple pork roll, egg and cheese sandwich to the masses. Beach vibes and good eats are found at the Surf and Turf truck, where the BLT lobster roll offers a twist on the coastal classic. Baking some of the best cheesecakes in the region for more than forty years, Maddalena's opened a roving dessert truck that serves the deliciously different cheesecake on a stick. Popular publication BestofNJ.com presents profiles of the best New Jersey food trucks, including easy-to-cook recipes from some of their most delectable meals.https://www.patricklombardi.com/___https://livingthenextchapter.com/podcast produced by: https://truemediasolutions.ca/MindShift Power Podcast is for teens, about teens, and anyone who works with teens. Many of the guests will be teens from all over the US and Canada. We will discuss issues that involve teens. Solutions start with conversations. Real conversations can not happen unless we are honest.https://www.fatimabey.com/podcastSupport the showBuzzsprout is our podcast host for this show!Ready to find a better podcast host for your show? Get a $20 credit applied to your new Buzzsprout Account by using our link! Starting a new show or looking for a better host? Buzzsprout is amazing!https://www.buzzsprout.com/?referrer_id=1855306Please note! To qualify for this promotion. All accounts must remain on a pay plan and maintained in good standing (paid in full) for 2 consecutive billing cycles before credits are applied to either party.

The Best Of Courtney And Kiss In The Morning. War of the Roses Where Are They Now, Walmart Jeff's Junk. Courtney's Hollywood Report, Good News, and War of the Roses.

ITL Hour 1: Landry says the Jets were setting themselves up for failure, Lopez wonders if there has ever been a bigger kick to the junk. Landry says this Sunday is a must-win regardless of how early it is. What would you be saying if you were a Jets fan and why would anyone want a Texans backup?

Did you know that some Christians still believe that illness and birth defects are indwelled demons?

In this episode of Talk Nerdy, Cara is joined by the Director of Strategic Litigation for the Innocence Project, M. Chris Fabricant. They talk about his new book, "Junk Science and the American Criminal Justice System," including how forensic pseudoscience perpetuates a racist system resulting in wrongful convictions.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4530061/advertisement

We give a live reaction and breakdown of the Nintendo Direct for Super Mario Bros. Wonder plus Frank offers some Starfield Early Access thoughts and we also discuss Sea of Stars and Venba.

What A Piece Of Junk! The FPNet Star Wars Show Episode 128 Star Wars Ahsoka Fallen Jedi! Watch the video version of this show on the Fandom Podcast Network YouTube Channel Here:  https://www.youtube.com/@FandomPodcastNetwork Episode 4 of Ahsoka is out and things will NEVER be the same! Derrick, Nathan and Scott scramble back to the cockpit of the Drunken Gungan as they try to make sense of it all with the appearance of the sometimes controversial, sometimes mysterious always entertaining World Between Worlds on the show. And that's not the only thing making a return to the Star Wars airwaves - streamwaves? - - uh, anyway, Anakin Skywalker is back and he's a lot younger-looking than we've seen him in quite some time. Ahsoka also lives up to the title when she becomes a LITERAL fallen Jedi. But while she's down, she's certainly not out! What A Piece of Junk is THE podcast on the Fandom Podcast Network dedicated to covering everything Star Wars. From the original Star Wars trilogy movies, prequels, sequels, Legends canon, Disney's acquisition of Star Wars and its products, and all the fan favorite content out there, we have you covered. So please make sure to stop on over at your local cantina, grab a drink, cozy on up to your favorite alien (or droid), and get ready to talk Star Wars!   What A Piece Of Junk / Fandom Podcast Network Contact Information: -What A Piece Of Junk a Star Wars Podcast audio podcast master feed: https://fpnet.podbean.com/category/what-a-piece-of-junk-a-star-wars-podcast… - What A Piece Of Junk a Star Wars Podcast Facebook Group: https://www.facebook.com/groups/WhatAPieceOfJunk/ - Email: whatapieceofjunkpod@gmail.com - Twitter: @WhatWars Fandom Podcast Network Social Media links. - Fandom Podcast Network Audio Master Feed: https://fpnet.podbean.com/ (The FPNet is on Podbean app) - Instagram: @FandomPodcastNetwork  - Twitter: @FanPodNetwork - Fandom Podcast Network is on all major podcast platforms. - Facebook: Fandom Podcast Network: https://www.facebook.com/Fandompodcastnetwork/ Fandom Podcast Network Tee Public Store: Please support  the What A Piece Of Junk podcast and the Fandom Podcast Network by visiting our TeePublic store, while wearing your favorite show logos with pride!   Tee Public Store: https://www.teepublic.com/user/fandompodcastnetwork    

Merriam-Webster's Word of the Day for September 11, 2023 is: injunction • in-JUNK-shun • noun Injunction refers to an order from a court of law that says something must be done or must not be done. // The group has obtained an injunction to prevent the demolition of the building. See the entry > Examples: “While a district court rejected the group's request for an emergency injunction at the end of June, the Fifth Circuit obliged—blocking the new rule from being carried out for the time being.” — Ayelet Sheffey, Business Insider, 7 Aug. 2023 Did you know? Injunction, injunction, what's your function? When it first joined the English language in the 1400s, injunction referred to an authoritative command, and in the following century it developed a legal second sense applying specifically to a court order. Both of these meanings are still in use. Injunction ultimately comes from the Latin verb injungere (“to enjoin,” i.e., to issue an authoritative command or order), which in turn is based on jungere, meaning “to join”: it is joined as a jungere descendant by several words including junction, conjunction, enjoin, and join.

Culture Clash 231 Ahsoka Watch 2023 Episode 4 'Fallen Jedi' This is the audio version of the Live Culture Clash show from Friday Sept. 8 you can find the video version on the Fandom Podcast Networks YouTube Channel here: https://www.youtube.com/live/feSPlOe-hTA?si=jnxoFaLRCZXnYUFW On this episode of Culture Clash Kyle is joined by one of the host of What A Piece of Junk! Derrick Marsh as well as good friend of the FPNet the 'Comics Ronin' himself Steve Brown.  Together we discuss the latest episode of Ahsoka 'Fallen Jedi' as Ahsoka Watch continues.  We also discuss how the remainder of 2023 looks to be the time of Godzilla with Godzilla -1 due out in December and the New Apple TV+ Monarch show coming out Nov. 17th Plus some Buy It, Stream It or Unsee in on My Adventures With Superman and also inital thoughts on the new live action One Piece on Netflix, and so much more Let's Do This Thing! Fandom Podcast Network Contact Info:   Our master feed for all of our audio podcasts can be found on Podbean: - fpnet.podbean.com - The Fandom Podcast Network can stream and download on the Podbean app The Fandom Podcast Network is on all major podcast platforms, which includes: Apple Podcasts / iTunes Contact Information: - Facebook: Fandom Podcast Network - Email: fandompodcastnetwork@gmail.com - Instagram: FandomPodcastNetwork - Twitter: @fanpodnetwork Host & Guests Contact Info On Social Media - Kyle Wagner on Twitter: @AKyleW /  Instagram: Akylefandom - Kevin Reitzel on Twitter & Instagram: @spartan_phoenix

When you think of little girls you may think of dolls, playing house and pretty bows. But if you're like my daughter and Candace Chen, you want to play outside, learn and build legos. Candace is a graduate of MIT with a degree in mechanical engineering and product design. She started her career in the golf industry where many of you golfers are probably using her designs and not even knowing it. But it was after a full day of entertaining into a night of dinners that her next product came to mind, Protégé Shoes, the comfortable, pain free heels for women. Now I'm sure you women are thinking, no way it's not possible. But I'm here to tell you it absolutely IS possible and I wear mine often around town.  Calendar of Events Arizona Restaurant WeekAll you foodies out there, this is your week to shine. It's AZ restaurant week where local restaurants put together a special priced menu for us to enjoy. Grab a friend, date or go out solo but don't miss these delicious offerings from Sept 8-17.   Junk in the TrunkGet your wallets ready and make some room because the largest shopping weekend of the year is happening this weekend at WestWorld. Junk in the Trunk is back and better than ever. An opportunity to get up and close with some of our favorite small business owners. Doors open Sept 15 so get in before the crowds hit this weekend.    Scottsdale Bridal ExpoFor all your brides out there, this the event you don't want to miss. FREE to the public, it's a one-stop shop for all your wedding needs. From DJ's to florists, suit designers and more. It's from 10-2pm on Sunday, Sept 17 at Scottsdale Center for the Performing Arts.    SUBSCRIBE on your Favorite podcast listening app. Find us on IG & FB at Scottsdale Vibes Podcast or check us out on scottsdale vibes dot media. And don't forget that we are now the proud owners of Scottsdale City Lifestyle magazine where you can read about even more of your favorite community.   

As millions lose Medicaid coverage, states are taking steps to prevent consumers from purchasing junk health insurance plans that offer limited benefits. Robert King talks with POLITICO health care reporter Kelly Hooper about state efforts to curb misleading health insurance marketing as consumers seek new coverage.            

We count down our favourite space-related video games of all time and talk more Starfield and Sea of Stars plus we also discuss Final Fantasy VII: Ever Crisis, Chants of Sennaar and the Playstation Plus price increase.

The Best Of Courtney And Kiss In The Morning. Courtney's Hollywood Report, Good News, Peak of the Weekend, Walmart Jeff's Junk, Hollywood Report, and War of the Roses Where Are They Now.

Meet Kyle McAnaugh, a 28 Year Old self taught Entrepreneur! His Business, Junk Rescue, grosses $1,000,000 in revenue per Year with only 4 employees. Junk Removal is a recession proof industry that isn't talked about enough! As long as people are moving or companies are renovating and need a cleanup crew.. businesses like Junk Rescue will never be at a loss of customers. Today, we talked about how he got into the industry, how he was able to thrive with no prior experience in waste management, the systems he put in place to scale the business and mistakes to avoid if you want to get into the industry!Other Social Media channels: Subscribe to my main channel "Austin Zaback" https://www.youtube.com/c/AustinZabackSubscribe to my Podcast Channel "The Austin Zaback Show" https://www.youtube.com/c/TheAustinZabackShowFollow me on Social Media:https://www.instagram.com/austinzaback/https://www.tiktok.com/@austinzaback

Hello, hello everyone and welcome to a “breaking news” episode of AAD. We break-down Kite Man's kit in detail (well maybe not), BIFF talks too much and AB struggles to get through the intros. Witty is surprised, Retpmus is brilliant and Sekju talks dinosaurs and the sinking of the SS Edmund Fitzgerald. Phil Hellmuth berates BIFF until I turn the table and make everyone cry, Miss Junk goes on a whale watch and we share the future of the AAD podcast. Not a dry eye in the house as we head down our DCL memory lane… tune in right now… same AAD time, same AAD channel… a new episode is one click away!

She Fills Her Pool with Junk to Save Money! Extreme Cheapskates --- Support this podcast: https://podcasters.spotify.com/pod/show/wineboxpapi/support

What A Piece Of Junk! The FPNet Star Wars Show Episode 127 Star Wars Unlimited Card Game gets its Boba Fett -- and Shoots First! Watch the video version of this show on the Fandom Podcast Network YouTube Channel Here:  https://www.youtube.com/@FandomPodcastNetwork Sugi is back to break down 19 newly revealed cards from the upcoming Star Wars Unlimited Card Game from Fantasy Flight Games. Scott might still have a terrible speaking voice from wearing it out at DragonCon, but that doesn't stop him from getting excited alongside Nathan as they analyze some of the coolest cards previewed so far. What A Piece of Junk is THE podcast on the Fandom Podcast Network dedicated to covering everything Star Wars. From the original Star Wars trilogy movies, prequels, sequels, Legends canon, Disney's acquisition of Star Wars and its products, and all the fan favorite content out there, we have you covered. So please make sure to stop on over at your local cantina, grab a drink, cozy on up to your favorite alien (or droid), and get ready to talk Star Wars! What A Piece Of Junk / Fandom Podcast Network Contact Information: -What A Piece Of Junk a Star Wars Podcast audio podcast master feed: https://fpnet.podbean.com/category/what-a-piece-of-junk-a-star-wars-podcast… - What A Piece Of Junk a Star Wars Podcast Facebook Group: https://www.facebook.com/groups/WhatAPieceOfJunk/ - Email: whatapieceofjunkpod@gmail.com - Twitter: @WhatWars Fandom Podcast Network Social Media links. - Fandom Podcast Network Audio Master Feed: https://fpnet.podbean.com/ (The FPNet is on Podbean app) - Instagram: @FandomPodcastNetwork  - Twitter: @FanPodNetwork - Fandom Podcast Network is on all major podcast platforms. - Facebook: Fandom Podcast Network: https://www.facebook.com/Fandompodcastnetwork/ Fandom Podcast Network Tee Public Store: Please support  the What A Piece Of Junk podcast and the Fandom Podcast Network by visiting our TeePublic store, while wearing your favorite show logos with pride!   Tee Public Store: https://www.teepublic.com/user/fandompodcastnetwork  

Is this going to be a Ghoul Summer? Yes! Sean is in Boston, Texas and filling in for him is a special guest -- it's my wife! We try to display her lack of remembering any movie she has ever seen and it only goes slightly well. And then we get to the Ghoul stuff. We review "Exploitation," a 2018 Bill Zebub movie that is about ... Bill Zebub. Zebub plays an exploitation movie director who deals with wacky fans, stubborn starlets, Ilsa, the Shewolf od the SS and romance! All this plus Shinji snoring. No voicemails this week as we didn't have the right technology. Also, sorry if the sound is iffy from time to time. We were drunk and sharing a mic! Direct Donloyd Here.

This podcast was made possible by www.labrottiecreations.com Check out their merchandise and specifically their fun pop pet art custom pieces made from photos of your very own pets. Use the promo code CRIMEXS for 20% off a fun, brightly colored, happy piece of art of your own pet at their site.Music in this episode was licensed for True Crime XS. Our theme song today is Indestructible by Noah Smith. Additional MusicYou can reach us at our website truecrimexs.com and you can leave us a voice message at 252-365-5593. Find us most anywhere with @truecrimexsThanks for listening. Please like and subscribe if you want to hear more and you can come over to patreon.com/truecrimexs and check out what we've got going on there if you'd like to donate to fund future True Crime XS road trip investigations and FOIA requests. We also have some merchandise up at Teepublic http://tee.pub/lic/mZUXW1MOYxMSources:www.namus.govwww.thecharleyproject.comwww.newspapers.comFindlaw.comVarious News Sources Mentioned by Name

Thank you so much for listening to the Bob Harden Show, celebrating over 12 years broadcasting on the internet! On Thursday's show, we discuss proposed tax increases here in Collier County with Keith Flaugh, Co-founder and CEO of the Florida Citizens Alliance. Director of Health Policy Studies at the Cato Institute Michael Cannon and I discuss the Biden administration's plan to reduce the attractiveness of short-term health insurance plans. Less Government President Seton Motley and I discuss “junk fees” administered by the Federal government. We have terrific guests scheduled for Friday's show including Pacific Legal Foundation's William Yeatman, President of American Commitment Phil Kerpen, Senior Policy Analyst from Americans for Prosperity Dean Clancy, and author, columnist and Professor Larry Bell. Please access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Today on the show: Deadly holiday weekend on Atlanta roads. Michelle Wright with the latest. My advice on how to create generational wealth. Stop stealing people's joy! Junk food ban at checkout counters. Plus, Would You Rather with Lil Sanjay! 9am-noon on 95.5 WSB. #preesh

This week we're discussing every album by NoMeansNo. Made up of core members and brothers Rob and John Wright, NoMeansNo helped pioneer math rock and post-hardcore, in addition to being possibly the only actual prog punk band ever. Their songwriting, arrangements, and performances were nothing short of legendary and decades ahead of their time. You guys wanted this episode, so get ready.Closing track: “Junk” from Small Parts Isolated and Destroyed (1988)Patreonhttps://www.patreon.com/everyalbumeverMerchhttps://pandermonkey.creator-spring.com/Mike's EP:Pander Monkey on Bandcamp, Spotify, Apple,Instagram:Mike @pandermonkeyAlex @everyalbumalexHistory Tom's stuff:New album on BandcampDebut album on Bandcamp, Spotify, AppleSubstackWebsiteMike's Picks:Wrong (1989) — Best AlbumSmall Parts Isolated and Destroyed (1988) — Personal FavoriteAll Roads Lead to Ausfahrt (2006) — Worst Album, Least FavoriteAlex's Picks:Wrong (1989) — Best Album0 + 2 = 1 (1991) — Personal FavoriteMama (1982) — Worst Album, Least FavoriteAlbums we discussed this episode…Mama (1982)Sex Mad (1986)Small Parts Isolated and Destroyed (1988)The Day Everything Became Nothing EP (1988)Wrong (1989)0 + 2 = 1 (1991)Why Do They Call Me Mr. Happy? (1993)The Worldhood of the World (As Such) (1995)Dance of the Headless Bourgeoisie (1998)One (2000)All Roads Lead to Ausfahrt (2006)Tour EP 1 (aka Old) (2010)Tour EP 2 (aka Jubilation) (2010)

What A Piece Of Junk! The FPNet Star Wars Show Episode 126 Star Wars Ahsoka Time to Fly! Watch the video version of this show on the Fandom Podcast Network YouTube Channel Here:  https://www.youtube.com/@FandomPodcastNetwork Episode 3 of Star Wars Ahsoka is here and Sugi joins the crew of the Drunken Gungan for a classic What A Piece of Junk! episode reaction show where the guys return to their usual 5 Questions roundup. But Scott's voice is still reeling from over-celebrating at a very large -- and very crowded -- DragonCon in Atlanta, GA. The crew perseveres and gives you their thoughts about not only Episode 3 of Ahsoka but the entire series so far. Then, they run down one of the WORST Star Wars top 10 lists ever published on the Internet. What A Piece of Junk is THE podcast on the Fandom Podcast Network dedicated to covering everything Star Wars. From the original Star Wars trilogy movies, prequels, sequels, Legends canon, Disney's acquisition of Star Wars and its products, and all the fan favorite content out there, we have you covered. So please make sure to stop on over at your local cantina, grab a drink, cozy on up to your favorite alien (or droid), and get ready to talk Star Wars!   What A Piece Of Junk / Fandom Podcast Network Contact Information: -What A Piece Of Junk a Star Wars Podcast audio podcast master feed: https://fpnet.podbean.com/category/what-a-piece-of-junk-a-star-wars-podcast… - What A Piece Of Junk a Star Wars Podcast Facebook Group: https://www.facebook.com/groups/WhatAPieceOfJunk/ - Email: whatapieceofjunkpod@gmail.com - Twitter: @WhatWars Fandom Podcast Network Social Media links. - Fandom Podcast Network Audio Master Feed: https://fpnet.podbean.com/ (The FPNet is on Podbean app) - Instagram: @FandomPodcastNetwork  - Twitter: @FanPodNetwork - Fandom Podcast Network is on all major podcast platforms. - Facebook: Fandom Podcast Network: https://www.facebook.com/Fandompodcastnetwork/ Fandom Podcast Network Tee Public Store: Please support  the What A Piece Of Junk podcast and the Fandom Podcast Network by visiting our TeePublic store, while wearing your favorite show logos with pride!   Tee Public Store: https://www.teepublic.com/user/fandompodcastnetwork  

Do you hate hidden hotel, housing, airline, ticketing, banking, and other corporate fees? Do you want Congress to do something about them? In this episode, learn about the wide range of unreasonable fees being reported to Congress during hearings and examine what proposals could have bipartisan support. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes FTC Authority Ronald Mann. Apr 23, 2021. SCOTUSblog. Supreme Court of the United States. April 22, 2021. Junk Fee Overview Ashish A. Pradhan. May 19, 2023. The National Law Review. Will Kenton. January 24, 2023. Investopedia. Brian Deese et al. October 26, 2022. White House Briefing Room Blog. October 20, 2022. Federal Trade Commission. Brian Canfield et al. July 7, 2021. Institute for Policy Integrity, NYU School of Law. Internet *Federal Communications Commission Healthcare August 8, 2022. Federal Trade Commission. Banking/Payments Lindsey D. Johnson. July 26, 2023. Consumer Bankers Association. July 11, 2023. Consumer Financial Protection Bureau Newsroom. Offices of Consumer Populations and Markets. May 23, 2023. Consumer Financial Protection Bureau. October 26, 2022. Consumer Financial Protection Bureau Newsroom. September 28, 2022. Consumer Financial Protection Bureau Newsroom. August 16, 2022. Pennsylvania Office of Attorney General. August 16, 2022. U.S. District Court for the Eastern District of Pennsylvania. Joe Valenti. March 30, 2022. * Consumer Financial Protection Bureau Blog. January 26, 2022. Consumer Financial Protection Bureau Newsroom. December 7, 2020. Consumer Financial Protection Bureau Newsroom. December 28, 2018. Pennsylvania Office of Attorney General. Housing July 19, 2023. White House Briefing Room. March 14, 2023. National Consumer Law Center. Jennifer Ludden. January 13, 2023. WBUR. Airlines Reid Bramblett. Frommer's. Suzanne Rowan Kelleher. Mar 7, 2023. Forbes. U.S. Department of Transportation. U.S. Department of Transportation. December 13, 2022. U.S. Department of Transportation. November 2022. Statista. Rosie Spinks. June 1, 2018. Quartz. May 2011. Jones Day. Hotels November 17, 2021. Pennsylvania Office of Attorney General. Christina Jelski. Mar 12, 2021. Travel Weekly. November 28, 2012. The Federal Trade Commission. Ticketing June 20, 2018. U.S. House of Representatives. Anne Bucher. June 13, 2018. Top Class Actions. “Susan Wang and Rene' Lee v. StubHub, Inc. Case” [No. CGC-18-564120]. The Superior Court of the State of California, County of San Francisco. Cars June 23, 2022. Federal Trade Commission. Laws Bills Audio Sources July 26, 2023 Senate Committee on Banking, Housing, and Urban Affairs, Subcommittee on Financial Institutions and Consumer Protection Witnesses: Attorney General, Commonwealth of Pennsylvania Director of Housing Advocacy, Atlanta Legal Aid Society Manager Director, Patomak Global Partners Clips Michelle Henry: In the consumer finance space, we recently filed a multi-state lawsuit against Mariner Finance, a Wall Street private equity-owned installment lender. Our lawsuit alleges that Mariner charged consumers junk fees for hidden add-on products that consumers either did not know about or did not agree to buy. These hidden add-on products, such as credit insurance and auto clubs, are typically low- or no-value products. Consumers left Mariner believing that they had entered into an agreement to borrow and repay over time a certain amount of money. In reality, because of these hidden junk fees, Mariner added hundreds to thousands of dollars to the total amount a consumer owed. The cost of the junk fees is staggering. For a random sample of loans originated in Pennsylvania in December of 2020, Mariner charged each consumer an average of $1,085 in junk fees for an average of $3,394 in cash borrowed. Michelle Henry: We also had a significant junk fee settlement in 2018 with Wells Fargo. This settlement stemmed from Wells charging its auto finance customers millions in junk fees. Despite evidence that many customers already had the required car insurance, Wells improperly charged more than 2 million accounts for force-placed insurance. To resolve the multi-state action, Wells agreed to pay states $575 million. Michelle Henry: In 2021, we announced the landmark junk fee settlement with Marriott International. For many years, travelers had been misled by the published rates offered by hotels for a night stay, only later to be hit with the mandatory resort fees when they were checking in. Thanks to our settlement, Marriott now has a policy in place to be upfront and transparent in the disclosure of mandatory fees, including resort fees, as part of the total price of a hotel stay, allowing consumers to compare total costs for hotels and find the one that is the best fit for them. Marriott was the first hotel chain to formally commit to the upfront disclosure of resort fees as part of the initial advertised price. We hope others will follow. Michelle Henry: In the end, what we are fighting here for is basic fairness and transparency. When consumers are shopping online or in person, they deserve to understand what a loan, a house, or a vacation will cost and exactly what key terms they're agreeing to. At the same time, all businesses deserve to compete on an even playing field, where the price is the price with no hidden surprise fees. Lindsey Siegel: My name is Lindsay Siegel and I'm the Director of Housing Advocacy at Atlanta Legal Aid, which provides free civil legal services to families with low incomes in the metro Atlanta area. Today, I will focus on the rental housing market and how predatory and hidden rental fees gouge families living in poverty and make their rent even more unaffordable than it already is. Miss Dixon is a single mother who found an online listing for an apartment in the fall of 2020. The advertisement said it rented for $1,400 per month. It did not list any other monthly fees she would be required to pay. She applied and paid $525 through the landlord's online portal, which covered her $50 application fee, a $175 moving fee, and a $300 screening fee, all of which were non-refundable. She was not able to see the lease or the apartment she'd be renting, but she knew if she did not pay sight unseen she would lose the apartment. And when her application was approved a few weeks later, the landlord charged her another $200 approval fee. She finally received and signed a copy of her lease just two days before she was slated to move in. It was 50 pages long and contained to eight different addenda. She had expected to pay her rent and for water. She didn't expect to be responsible for a package locker fee, a trash removal fee, a separate valet trash fee, a pest control fee, a technology package fee, an insurance fee, and a credit reporting fee. When the fees added up, $83 had been tacked on to her monthly rent. And to make matters worse, Miss Dixon's landlord did not accept the rent by cash, check, or money order. When she paid through the landlord's online portal she was charged another $72-per-payment convenience fee. The low income renters Atlanta Legal Aid represents have an extreme power imbalance with their landlords. The high demand for rental housing, especially at the more affordable end of the market, makes some landlords believe they can easily get away with unfair and deceptive lease terms and rental practices. The bait and switch Miss Dixon experienced where the landlord advertise the rent as one price only to raise it much higher with junk fees after she had spent hundreds of dollars up front is a far too common practice of many investor landlords in the Atlanta area. Low income renters like Miss Dixon become trapped. She couldn't afford to walk away from a predatory lease two days before she was supposed to move in, even if she realized it would be unaffordable. Of particular concern are the use of high application fees. They often far exceed the cost of running a report, and most renters have to pay them several times before finding a home to rent. We've heard reports that some institutional landlords even collect application fees after they've found a renter for an available home. Brian Johnson: The focus of the President's initiative has been on applying political pressure to companies to induce them to change their fee disclosure practices. In the process, the White House and supporting agencies have dismissed broad categories of fees as junk without ever providing any consistent definition of the term, which has created uncertainty as to which fees can be assessed by institutions without undue reputational or regulatory risk. Brian Johnson: The CFPB has been the most enthusiastic among regulators in heeding the President's call, indiscriminately attacking a growing list of common financial service fees, no matter that they are lawful and fully disclosed. Brian Johnson: The agency has publicly hectored companies about deposit account fees and used the implied threat of investigation to induce such companies to abandon these legal fees. Further, in addressing other fees, the CFPB appears appears to have violated its own regulations and laws governing how agencies proffer rules by disguising interpretive rules as policy statements in bulletins and issuing circulars that function as legislative rules. In another instance, under the guise of interpretation, the CFPB read a word into a statute to achieve its desired policy outcome. In still another, the agency treats the rulemaking process as a foregone conclusion, acting as though a still proposed rule has already taken effect, signaling that the agency has no interest in considering public comments, establishing an adequate evidentiary basis to support its conclusions, or considering potential changes to improve the rule. These examples demonstrate an abuse of power and the agency's disregard for process and the limits placed on it. Moreover, the CFPB's behavior subverts the authority of Congress to oversee the agency and legislate the legality of fees in our financial marketplace. Simply put, it's not playing by the rules. Lindsey Siegel: So I think the federal government does have a role to play. The CFPB could create best practices, investigate junk fees further -- especially those being charged for tenant screening reports -- could bring enforcement actions against debt collectors that engage in collection practices that violate the Fair Debt Collection Practices Act in their collection of rental debt especially includes collection of junk fees. And certainly, you know, HUD could further study and address the disproportionate impact of these practices on renters and rental applicants of color. Lindsey Siegel: Tenants living in Atlanta have a very hard time finding a rental, finding a home, that's not owned by a corporate landlord at this point. They have bought up many properties in the Atlanta area and they always seem to be working in lockstep so that once one institutional landlord is charging a certain kind of fee then another one tends to charge it as well. Just one example of this is the proliferation of landlords charging for insurance fees, and often tenants will think that these are renters insurance because they're often called renter's insurance. But it's not like traditional renter's insurance that protects the renter and their property if it's destroyed. What it does is protect the landlord and doesn't really provide a benefit to tenants at all. And we've seen that proliferate with investor landlords in particular. Sen. Thom Tillis (R-NC): I can't imagine any reasonable member of Congress not saying, "I want the person to know what their financial obligation is when they sign an instrument, not after they read page 10 in the fine print." Sen. Thom Tillis (R-NC): I'm less caught up in whether or not a trash collection fee is appropriate or not, and more caught up in, does that renter know at the point in time they're signing a lease what they're expected to pay every month? Michelle Henry: We often see things bleed over state lines and boundaries, as you are well aware, and so it's important that we work together to enforce these matters. Sen. Raphael Warnock (D-GA): How often do these kinds of cases cross state lines? And would having federal standards against these types of hidden fees make these cases easier to bring? Michelle Henry: Almost always. And I think that's critical. Where we have been most successful is joining with our fellow states, other attorneys general, partnering with them, and including the CFPB. In December of 2020, the CFPB, with all 50 states and the District of Columbia, filed enforcement action against Nationstar mortgage, again for deceptive practices, for not being transparent when they were servicing borrowers mortgages, and as a result of that joint effort we were able to obtain a settlement of $73 million and brought aid to 40,000 borrowers. Michelle Henry: You know, the reality is a lot of times consumers get misled. So they start, they're looking on the internet, they're trying to do due diligence and look for the best price, whether it's for a hotel, a vacation, and they're in there examining it, and they get led to a certain area of a certain website thinking that's the best price. And they go down this rabbit hole where they have no idea at the end of it that the price they thought they were going to pay for a hotel stay with their family is actually far larger because of fees that they weren't prepared, were not properly advised of, and at that point, they're so far in or they never discover it. So no, I don't think they understand exactly what to be aware of. We're trying to do our best to educate but far more work needs to be done, and I applaud this committee for working on it. Sen. Raphael Warnock (D-GA): If more federal agencies had the authority to address these hidden fees, how would that affect your office's capacity? Michelle Henry: It would help tremendously. Sen. Raphael Warnock (D-GA): Thank you so very much. Michelle Henry: If history is any lesson, we know that they can't be trusted to act in the best interest of consumers on their own. Look, they're in the business of making money for their shareholders and we need robust consumer protection rules and enforcement to ensure that. Sen. Thom Tillis (R-NC): So what we're talking about here is not the "what," it's the "how." And I for one do not think that the regulator's who have demonstrated pushing the boundaries of their authority, giving them more authority is a good idea if we're coming up with a real bipartisan sustainable solution. Sen. Thom Tillis (R-NC): The problem we have here too, when we transfer power out of Congress to another branch, yes, that changes every four years or so. So you may be thrilled with a regulatory regimen that comes out from the CFBP today, but because of the way they behaved, it'd be one of the first things I would work to repeal if the administration changed and withdraw it. Sen. Thom Tillis (R-NC): I'd like to submit for the record a letter from the Consumer Bankers Association on the subject. Sen. Thom Tillis (R-NC): Mr. Johnson, can you talk about the effect of the method that the CFPB is using to go after this and the impact that it can have, the negative implications that has? Is the CFPB's tendency to name and shame business institutions to avoid certain practices or adopt new ones effective regulation? They're not really thinking through the full impact and all the potential unintended consequences. Can you think of any example under this current leadership of the CFPB where they have taken that into consideration? Can you speak a little bit about the efforts and the length the CFPB goes in an effort to avoid judicial review and skirt the APA process? June 8, 2023 Senate Committee on Commerce, Science, and Transportation: Subcommittee on Consumer Protection, Product Safety, and Data Security Witnesses: Chief Executive Officer, National Consumers League Bruce Greenwald Professor of Business, Marketing Division, Columbia Business School George Mason University Foundation Professor of Law, Antonin Scalia School of Law, George Mason University Clips 21:35 Sen. John Hickenlooper (D-CO): Simply put, these are fees that are disclosed to a consumer midway through or at the end of a transaction, or they're fees that serve no tangible purpose for a consumer, like a processing fee, and that they are mandatory or unavoidable. 28:00 Sen. Marsha Blackburn (R-TN): The way I look at this issue, and the way many Tennesseans look at it, is this is another way for the FTC, the CFPB, DoT, and all these regulators to clamp down on businesses and try to micro manage businesses. 30:42 Dr. Vicki Morwitz: as a strategy where firms decide to divide a product's price into two or more mandatory parts, a base price for the main product and one or more mandatory surcharges, rather than charging a single all-inclusive price. For example, many hotels have a mandatory fee on top of the daily room rate. These are sometimes called resort fees, or facility fees, or destination fees and can range from $20 to over $50 a night. And many rental car agencies assess several mandatory fees on top of the daily rental rate, such as concession recovery fees, customer facility fees, energy recovery fees, and vehicle licensing fees. 31:20 Dr. Vicki Morwitz: In general, what research on partition pricing has shown is that when firms separate out mandatory surcharges consumers tend to underestimate the total price they'll have to pay and they're often more likely to complete the purchase. 31:50 Dr. Vicki Morwitz: With drip pricing, firms advertise only part of our products' price upfront and reveal other charges later, as shoppers go through the buying process. Drip fees can be mandatory or can be for optional items, but for today's testimony I'll focus on the dripping of mandatory surcharges. Drip pricing is commonly used in industries like the cable TV and the ticketing industries. When a consumer shops for a TV-Internet bundle from a cable television provider, they may first see an attractive base price offer for the bundle, but later learn there are also broadcast TV fees, set top box fees, regional sports fees, and TV connection fees that raise the price considerably. And a consumer shopping for a ticket for a live event, like a concert, a play, or a baseball game, typically first sees the price for different seats in the venue. After selecting a seat, as the consumer clicks through more webpages, they may come to learn there's also a mandatory booking fee, ticketing fee, venue fee, and delivery fee, even when the tickets are delivered electronically. Eventually, they see a total price that may be much higher than the first price they saw and they may be under time pressure to complete the purchase, as there might be a countdown clock that indicates they have to complete their purchase in just a few minutes. Or they may be told there's only two seats left at that price. 33:00 Dr. Vicki Morwitz: What research has shown is that when surcharges are dripped, consumers end up being more likely to buy a product that appears cheaper upfront based only on the base price, but that's more expensive and total given the drip fees. Consumers also tend to buy more expensive products than they otherwise would, such as a seat closer to the stage for a live event. 35:00 Dr. Vicki Morwitz: These policies will benefit consumers if they require that upfront stated prices must be all-inclusive. In other words, all mandatory fees must be included in the total price and that the total price should be seen upfront. This is what academic research suggests will be most beneficial to consumers. 39:20 Dr. Todd Zywicki: Everybody knows bags fly free on Southwest, everybody knows bags don't fly free on the legacy airlines, everybody knows there's going to be a fee for for bags on the other airlines and the like. Maybe there's ways you can disclose it, but nobody's fooled at this point. 42:45 Sally Greenberg: If consumers hate junk fees so much, why do companies large and small increasingly impose them? The answer is, unsurprisingly, because they are a substantial profit center. 43:20 Sally Greenberg: Late payment fees charged by banks and credit cards cost American families an estimated $12 billion annually. These fees, which can be as much as $41 for each Late Fee Payment, far exceed the cost to the issuer for processing and do little to deter future delinquent payments. 43:40 Sally Greenberg: Airlines are also poster children for junk fees. Globally, revenue from junk fees, ancillary fees in airline speak, brought in $102.8 billion in 2022. To put this in perspective, junk fees last year made up 15% of global airline revenues, compared to 6% only 10 years ago. 44:00 Sally Greenberg: Anyone who buys tickets to a concert or sporting event is well acquainted with the myriad fees. They're added at the end of the ticket buying process. We have the example that you showed, Senator Hickenlooper. Primary and secondary market ticketing companies charge service fees, order processing fees, delivery fees and other charges that increased ticket prices on average 27% for the primary market and 31% for the secondary market. 45:05 Sally Greenberg: Junk fees themselves are anti-competitive. They make comparing prices more difficult, distorting well functioning marketplaces. Honest entrepreneurs who invest in their businesses, innovate, and strive to create better value for their customers lose business. Action to address the consumer and competitive harm created by junk fees is urgently needed. 45:30 Sally Greenberg: First, we would urge you to support S. 916. It's the Junk Fee Prevention Act, which would require some of the worst abusers of junk fees to display the full price of services upfront, and they would bar excessive fees and ensure transparency. Second, we ask that Congress restore the FTC's ability to obtain strong financial penalties from wrongdoers. The Supreme Court, in 2021, overturned AMG Capital Management v. FTC, wiping out a critical enforcement tool for the commission. S. 4145, which is the Consumer Protection Remedies Act, would restore that ability to impose monetary relief to the commission. And finally, Congress must not allow businesses that trap consumers with unfair and deceptive fees to escape accountability through fine print in their contracts. To that end, we're proud to support S. 1376, the Forced Arbitration Injustice Repeal Act, which would prohibit pre-dispute arbitration agreements from being enforceable if they require arbitration in employment, consumer, antitrust, or civil rights disputes 44:35 Sally Greenberg: Renters, for example, tend to have lower incomes than those who own their homes. These consumers are also some of the most preyed upon by abusive junk fees. A 2022 survey conducted by Consumer and Housing Advocates found that 89% of landlords imposed some rental application fees[[ clare, 8/7/2023 2:09 PM couldn't find this specific survey]], nearly as many renters paid excessive late fees and they also get hit with utility, administrative, convenience, insurance, and notice fees. 51:30 Sen. Marsha Blackburn (R-TN): I'm not hearing from Tennesseans about junk fees. They're just not talking about. They are talking about real economic harm. And I think for some it's been kind of perplexing that we would focus on this issue. I even had one Tennessean say, "Well, what exactly is a junk fee? And what are the economic harms that come to people for fees for discretionary services?" 53:20 Dr. Todd Zywicki: I can't see any reason why people who pay their credit cards on time should have to subsidize people who pay their credit cards late. The evidence is clear on this from the that if you reduce late fees, more people pay late. The makes clear that if you reduce late fees, everybody ends up paying higher interest rates and, and lower income and higher risk borrowers get less access to credit. So most of what we see in the market is efficient. It prevents cross consumer subsidies and a lot of these things that are labeled as junk fees are actually just efficient multi-part pricing. 1:00:30 Dr. Vicki Morwitz: When a larger firm, or really any firm, uses hidden fees or surcharges, it doesn't only hurt consumers, but it hurts well intentioned, honest competitors like many of our country's small businesses that you're talking about. So when a larger firm makes salient a lower base price and only puts in small print or only reveals at the end of the shopping process that there are additional mandatory fees, their product offerings may appear, at least at first, to be cheaper than those of say a small business, an honest competitor who uses all inclusive prices, whose prices at least at first then, will appear more expensive, even if they're actually cheaper in total when the hidden fees of the large firm are added in. Now, research shows this is going to lead consumers to be more likely to even first consider the products and services of the larger firm who uses hidden surcharges because their products seem cheaper. In other words, their supposed low prices draw consumers in. But then having first consider their products consumers will also be more likely to stick with that firm and ultimately purchase their products, even when they're more expensive in total with the fees. So these hidden fees, they don't only hurt consumers by leading them to make purchases that are against their own self interest, but it also hurts honest competitors who are using transparent pricing practices. 1:04:10 Sen. Amy Klobuchar (D-MN): One area of this high excessive fees is ticketing. We had the hearing earlier this year with the president of Live Nation/ Ticketmaster, and other witnesses and as you are aware, the facts are quite startling. It's being reviewed by the Justice Department, including 90% monopoly on ticketing for major NFL, NHL events, 80% for major arena events, and 70% monopoly when it comes to all ticketing. In addition to that, Ticketmaster now owns a number of venues and also locks in a number of other venues that they don't own with their services for in excess of seven years, which is a subject of a bill that Senator Blumenthal and I have introduced, because this locking in makes for even less competition. And then finally, Live Nation promotes the act. So it's like a three cornered monopoly. 1:12:30 Sally Greenberg: Yes, you may know that you have a baggage fee, but there are many people who are older, who have disabilities, who may have children with them; they cannot be carrying their bags onto the airplane. So they are forced to eat the cost of a $35 fee, something that used to be free before, and has jammed our airplanes full of luggage up top, creating hazards for flight attendants as well. 1:13:55 Sally Greenberg: We certainly support the Good Jobs for Airports Act. I think many consumers had no idea that a lot of these workers were not making minimum wage[[ clare, 8/7/2023 2:08 PM couldn't find a source for this.]], were relying on tips. And many people who use the wheelchairs and the curbside baggage services did not know that people were living on tip wages and many people don't tip, as some of us who've been tipped workers know. Tipping is very up and down and certainly not a reliable source of income. So yes, we very much appreciate that legislation and it's long overdue. 1:21:20 Dr. Todd Zywicki: Junk fees is a meaningless term, but it's worse than meaningless. It's actually pernicious, which is that by sort of using this blanket conclusory label, it obscures the complexity of this, the difference between trip pricing, risk based pricing, multipart pricing, partition pricing, and that sort of thing, and it kind of sweeps into one bucket things that are legitimate, things that are aren't, things that might be partially legitimate. And now it's even got more confusing because if you look at the FTC rule, for example, on auto dealers, they take things like nitrogen filled tires, they charge more money for a claim that's a junk fee. The problem with that is not that it's a separate price for nitrogen filled tires. The problem, if there's a problem, is that nitrogen filled tires are garbage, right? There's nothing there. It doesn't matter whether it's disclosed separately or bundled in the price if it's a worthless product. And so when we talk about junk fees, we can end up confusing ourselves, lumping in things because we want to just apply this label to it, whereas I think it'd be much better to understand risk based pricing. What are things where they're pricing for something that you get no value from? What are the things where they're pricing things simply to extract wealth from consumers and the like? Executive Producer Recommended Sources Music by Editing Production Assistance

Everybody Wants Supper!! This week, the boys are back and ready to play ball. Your hosts discuss the good, the bad and the weird of baseball media. Fond memories are shared. More memories are made and the national passtime is celebrated. Dan Cortez is also discussed in 2023 somehow. Then, the boys review the 2016 Richard Linklater film, "Everybody Wants Some!!," a spiritual sequel to both "Dazed and Confused" and "Boyhood." It has everything -- short shorts, end credit raps, stoner chat, Twilight Zone tapes and everything else, but very little baseball. All this plus Parker decieves his wife, Sean fails to decieve Parker, Tom from Adelaide calls in and so much more! Direct Donloyd And don't forget to join the Patreon for the new, hit bonus podcast, The Bookhouse Boys, where everyone likes David Lynch!

Today John Ross and Chris Stowers (a man who has first-hand knowledge of what it's like to sail on an old-fashioned sailing boat) end our three-part series on the amazing voyage of the Chinese junk (built possibly in the 1890s) that made it -- not without overcoming considerable difficulties -- from Keelung to San Francisco in 1955. We discover the fates of the two chickens brought along for the long sea trip (Mildred 1 and Mildred 2), and, of course, learn what happened to our adventurous crew. We won't give away any spoilers, but let's just say there's also a nice twist on what eventually happened to the Free China junk itself.  Visit www.formosafiles.com for pics, links, and more. 

Today we take a look at junk.

In the early morning hours of June 30th, 1995 in Greensburg, IN, 21 year old mother Kristine Bunch awoke in a carbon monoxide haze to the decimation of her entire world. Junk science and false testimony made matters much, much worse. In this updated episode, Jason Flom catches up with Kristine at the 2023 Innocence Network Conference to discuss the impactful advocacy work she continues doing to support others who have been wrongfully convicted.  To learn more and get involved, please visit:  https://interrogatingjustice.org/ https://www.justis4justus.org/ https://innocenceproject.org/ https://www.uis.edu/illinoisinnocenceproject   Wrongful Conviction is a production of Lava for Good™ Podcasts in association with Signal Co No1.See omnystudio.com/listener for privacy information.

We continue the amazing tale of six men who set sail from Keelung in 1955 aboard the Free China junk to join a trans-Atlantic yacht race. They were attempting to show that an old-fashioned Chinese vessel could compete against some of the world's best boats. But first they need to cross the Pacific Ocean. It's an inauspicious start, and we find Paul Chou and his shipmates in need of rescue and ordered to return home. But will they? Guest Chris Stowers draws on his experience sailing on a traditional Bugis craft in Indonesian waters to help us navigate this heartwarming story. This is part two of a three-part story, and part three drops tomorrow.   You really should visit www.formosafiles.com as we post links to videos, pictures, maps, extras and more. 

Holmberg's Morning Sickness - Brady Report - Wednesday August 30, 2023 Learn more about your ad choices. Visit megaphone.fm/adchoices