Podcasts about my account

Brothers and sisters, today's topic of Treasures for the Soul is “Charge That to My Account.” In the Letter to Philemon, Paul wrote “charge that to my account,” which is a very precious line. In Cantonese, it means “I'll be responsible for all.” Onesimus was indebted to Philemon. Yet, what he owed Philemon is incomparable to what we owed God. The Lord has taken full responsibility for us. He was so eager to give, even to die on the cross. He gave Himself for us. When we returned to the Lord, Abba and the Lord were very joyful. We did not ask God, but it was Abba that made the Lord our High Priest by an oath. It's so precious that the Lord has taken full responsibility for all our needs in this life and eternity.

WooCommerce has become the main way to add eCommerce functionality to any WordPress website, but as WooCommerce has evolved, the set-up and installation process has become a bit more cumbersome. Not in a bad way, but in an "I'd really like to skip this and come back later and fill in all this information way"... This leads to the likelihood that WooCommerce won't totally install all the way, and your site might be left without critical pages that WooCommerce automatically creates when you don't skip any parts of the installation process. These pages are "Cart," "Checkout" and "My Account." This video shows you how to restore these pages if the set-up process doesn't finish, or if your pages get accidentally deleted. --- Support this podcast: https://anchor.fm/paulhickey/support

Lauren Southern could spew racist propaganda like no other. But the men around her were better at one thing: trafficking in ugly misogyny. https://www.theatlantic.com/politics/archive/2020/10/alt-right-star-racist-propagandist-has-no-regrets/616725/ Skip to content Dear Therapist Crossword Puzzle Manage Subscription PopularLatestPoliticsIdeasPhotoScienceCulturePodcastsHealthEducationPlanetTechnologyFamilyProjectsBusinessGlobalEventsBooksFictionNewsletterPlay CrosswordLatest IssuePast IssuesGive a Gift Dear Therapist Crossword Puzzle Manage Subscription PopularLatestSign In My Account PoliticshereFrom the November 2020 issue: Right-wing militias are bracing for civil warWhite NoiseRead: Four years embedded with the alt-rightFrom the June 2017 issue: How Richard Spencer became an icon for white supremacistsFrom the December 2017 issue: Angela Nagle on the young men of the alt-rightRead: To learn about the alt-right, start with the ‘manosphere’From the May 2018 issue: The era of fake video beginsRead: Instagram is the internet’s new home for hateRead: The women behind the ‘alt-right’The Making of an American NaziWhite Nationalism’s Deep American RootsWatch: Rebranding white nationalismDaniel LombrosoTwitter

Without question, the last several months have accelerated ecommerce adoption and drastically changed consumer behavior. The entire sales lifecycle from finding a prospect to closing the deal has been turned upside down. Now two key obstacles lie in the path of ecommerce leaders… The first is the more obvious, more discussed problem: How do you operationally and technically need to change to meet your customers' evolving needs?  The second key obstacle is not as often addressed, but is equally as important: How do you then communicate to your customers that even in these changing times, you are equipped and ready to meet their new needs?  The binding and laminating business doesn’t sound like it would be ripe with insights into answers to both of these questions, but Jeff McRitchie, the VP of eCommerce at Spiral, is here to prove that assumption wrong.  Jeff has nearly two decades of experience in the ecommerce and digital space. Just last year, his own company, MyBinding.com, was acquired by Spiral, where he now helps lead ecommerce operations. On this episode of Up Next in Commerce, Jeff explains what it has been like merging his ecommerce business with a more traditional binding company. He shares some of the challenges he faced along the way, and what methods and strategies he’s leaned into to find success. Jeff also discusses tips for building out a winning SEO and content strategy, and how ecommerce is playing a larger role across the entire business, including in customer acquisition and content marketing.  Main Takeaways:   The Merge: When a primarily ecommerce company merges with a larger more traditional business, there are a lot of balls in the air to create a cohesive and efficient system. Most of the adjustments have to be made on the side of the acquiring company, which needs to learn how to compete in a digital marketplace. That means that education has to be a priority both internally and externally.    Use Their Words: Every industry has jargon and industry-speak. It’s easy to fall into the trap of using that language throughout your platforms and channels. Instead, you have to meet customers where they are with their own language, and use the words and phrases they use. This will ensure that your customers feel like you are speaking directly to them and it also helps create more longtail SEO opportunities. Content For Now that Pays Off Later: Some of the most-viewed content you create might be consumed after a customer makes a purchase. On the surface, that might make it seem like content-creation is not a good customer acquisition strategy. On the contrary, it’s actually a critical long-term strategy in the sense that good, useful content is critical for brand awareness and building trust, which customers will remember when they need to buy in the future. For an in-depth look at this episode, check out the full transcript below. Quotes have been edited for clarity and length. --- Up Next in Commerce is brought to you by Salesforce Commerce Cloud. Respond quickly to changing customer needs with flexible Ecommerce connected to marketing, sales, and service. Deliver intelligent commerce experiences your customers can trust, across every channel. Together, we’re ready for what’s next in commerce. Learn more at salesforce.com/commerce --- Transcript: Stephanie: Welcome to another episode of Up Next In Commerce. This is your host, Stephanie Postles. Today on the show, we have Jeff McRitchie, the VP of Ecommerce at Spiral Binding, My Binding and Binding 101. Jeff welcome. Jeff: Thank you. Stephanie: Thanks for coming on the show. I was excited when I was looking through Spiral's background. It looked like you guys started in 1932. Is that right? Jeff: Yeah. I mean, we've been around for a long time. Stephanie: Yeah. I think that'll make for a really fun conversation because I'm sure that the company and you have seen a lot of transformation over the years, so that'll be fun to dive into later. Jeff: For sure. Stephanie: Tell me a bit about Spiral. What is it? How do I think about what you guys do? Jeff: So Spiral is really a company and we've built ourselves around helping people to bind presentations and proposals. We do a little bit of laminating. We do a little bit of other things, but really we focus a lot on binding. We sell the equipment and the supplies for people to be able to bind presentations, proposals, books and training materials. Those are probably the primary things that come out of it. Jeff: We're a niche player in the office products market is one way to think about it. We're an interesting a hybrid of a company because we sell a little bit in B2B, a lot in B2B, a lot in B2C or B2B to C sort of space. Then we also have some really interesting national account sort of business as well. Kind of a little bit of an evolving company, we're a manufacturer and a distributor at the same time. We have lots of different faces which presents some really cool challenges from the standpoint of being in a digital transformation or Ecommerce role. Stephanie: Okay cool. So how long have you been at the company for? Jeff: My story is interesting, actually I'm co founder of a company called My Binding about 17 years ago. Last year we sold to Spiral. I've been with Spiral for just over a year now in this sort of digital transformation role but with My Binding, which was more of a pure play Ecommerce space. We grew and we were the largest sort of binding Ecommerce player in the market. Then all of a sudden we joined forces essentially with Spiral, which was the largest sort of B2B player in the market. Now we're one force together going after the binding and laminating market. Stephanie: Oh, interesting. What was that process like where you had your own company, you guys were selling online and then joining a company that maybe wasn't doing as much of that. What was that process like when it came to incorporating your company into an existing older company? Jeff: There's definitely some upsides. Suddenly you have increased purchasing power, you have more access to talent and capital. Those were amazing things, but the integration side of things is tough. Jeff: I mean, you're trying to merge systems and figure out how everything works together and learn the language of a new company. Some of that stuff is not as easy as it should be, as well as trying to figure out where exactly are they on the landscape of digital transformation and how do you navigate that when... We were pretty much an Ecommerce or digital first organization. That wasn't really their background. Now we're figuring out how do we be both? That's a pretty big challenge actually. Stephanie: Yeah. That sounds really difficult. What does the customer journey look like for Spiral or what did it look like compared to My Binding? Jeff: I guess the best way to think about it would be that in a B2B, B2C sort of Ecommerce experience, we were really building our business around a large number of transactions with a large number of customers, essentially small transactions to a large number of customers. On the more traditional B2B model, the traditional side of the Spiral business would have been around a small number of transactions to really big customers. Which is pretty typical when you look at this idea of traditional B2B and more like an Ecommerce B2B sort of experience. At least a B2B, to C sort of experience. Jeff: That was the really interesting thing is that we were dealing with customers from all over the country that in almost every industry that you can imagine, but most of them were rather small and we are filling specific needs for those customers. That was fine. On the spiral side you were looking and saying, hey, they had deep relationships. Relationships that went back decades, in many cases, with organizations where they were the supplier of choice. They had complex contracts and all those kinds of things. That was never really part of the Ecommerce world. Trying to figure out how do you merge those two together to get the best of both. It's not easy, but it's really fun actually. Stephanie: Yeah. I can imagine it takes a lot of training for their existing customers who are used to those contracts and used to things being done a certain way. How are you maybe going about training the customers who are used to doing things the old way to be like, Hey, we actually can do this online usually. Jeff: Slowly. Stephanie: Any lessons there that someone can take away if they're going through the same thing right now within their org? Jeff: You don't have to do it all at once. Our approach is really to allow customers to interact with us the way they want to interact with us by giving them better options. Really the priorities for this past year have been to try to integrate systems and then upgrade our footprint so that we can allow the company to put its best foot forward. Really starting with the E-comm side and getting everybody on the same platform and then tied into the same systems. Jeff: Now we're actually probably just a couple of months away from launching our brand new B2B E-com experience for the traditional spiral customers. Essentially we have been allowing them to continue to exist and deal with the company in the way that they used to while improving the experience and then bringing the platform up for the entire organization. One of the things about especially B2B commerce is that it gets really complicated as you tie in lots and lots of systems and a lot of interesting rules. Jeff: Customers want to deal with you in the way that they want to deal with you. What we've found is that we have to build specific experiences for our different customer types. That's the approach that we've been taking. I think that's a good approach from the standpoint of, you're not trying to force everybody into the same sort of experience because not everybody wants to deal with it in the same way. As a large organization that sort of deals with these sort of different challenges, we have to answer questions, like, do you display pricing on the front end of your website or is it a login only experience? Jeff: What pricing do you show people or what price pricing do people get and how do you control that and how do you manage that and how do you make sure that that experience is personalized for individuals? Then there's the age old question, which is really challenging in an organization that has multi channels and that is, how do you deal with the channel conflict? Whose customer is that? I guess it depends on who you would ask because everybody thinks that the customer is theirs. Yet ultimately the customer needs to deal with the organization in a way that the customer feels the most comfortable, not in the way that the organization feels most comfortable. Stephanie: Yeah. That makes sense. What kind of legacy or what things did the legacy customers get hung up on the most when you guys are making this transition and trying to show them that a new platform's coming? Is there similar themes of things that they're like, oh, I don't feel comfortable with that, or, I don't want to move because of this? Jeff: I think when it comes to customers, most customers want technology. I mean, they become comfortable. I think that they don't want to lose functionality. That's been probably one of the hardest things is that even if that functionality wasn't the best, they become comfortable with it and they don't really want to lose that. Yes they do want a best in class experience. One of the hard things that we all have to deal with in Ecommerce right now is that the bar has been raised. Jeff: There are people who want more and more features in terms of their online shopping experience. What you find is that you need to be able to roll these things out, but you need to make sure that it doesn't make things harder on those customers, especially long time corporate customers. They are really dependent on these things working smoothly and easily. That's actually one of the hardest challenges in this process has been, okay, well, we've done a lot of cool things for customers over the years. One off, you build a feature on the website just for that one customer. Jeff: Well, trying to then redo that and not lose a substantial amount of functionality for specific customers, especially large customers that you have these really deep relationships with, that's pretty tough. Stephanie: I was actually going to ask that next, when you mentioned that you were personalizing the experience for certain customers to make them feel more comfortable or hearing what they want and trying to incorporate that into the platform, how do you go about picking out what things you should maybe personalize or give to the customer without going down a worm hole of having a personal experience for every customer? Jeff: Ultimately, we're taking an approach of first saying, what's the best in class experience that we could build. What are the things that are going to be the best for all of the customers and then looking and saying, "Hey, can we in our roadmap put in the flexibility to accommodate for these many things that customers have asked for?" Jeff: How could we build this in such a way that we can add that on or this on? I'm not sure that we always nail it just from the standpoint of... It's pretty tough to keep everybody happy. But we're taking the approach of, hey, we can make it substantially better for everybody. It may not be perfect, but it should be a dramatic enough improvement that they'll recognize that we have their best interest in mind. Stephanie: It seems like some of those requests might also fit other customers as well or it might be something where they're like, oh, I actually wanted that and never thought to ask. It could be helpful when it comes to product development on your side, like technology development. Jeff: Yeah, totally. We had a really good team that we used to build out stuff and we're able to iterate fairly quickly. That's the good news because sometimes we miss something and so... But as long as you can respond fairly quickly to a customer's need, it gives you an opportunity to serve them better and to communicate. But the other really important part of this is really getting the account managers and your sales people involved in this process so you get some really good feedback because one of the challenges that we face at least is that sometimes as the E-com department and on the technology side, you don't always get raw feedback. Jeff: Maybe the stuff you're hearing is from the people who are yelling the loudest, not necessarily from the people who are trying to help you. You're not necessarily hearing about the features that are going to make the biggest difference for most number of users. Stephanie: That makes sense. With this whole re-platforming and new tech stack that you're going to be launching what pieces of tech are you most excited about showing to the customer or bringing online that maybe wasn't there before? Jeff: For us it's really about an enhanced user experience. We kind of been a little bit on the old school side on the traditional B2B piece of it. This gives us the ability to provide a really much better experience end to end in terms of transacting with us. Some of the things that we're aiming for, that are harder than I was thinking they would be, would be real time freight quoting. When you're a B2B company and you've got a distribution network across the country, and you're trying to figure out how much that pallet is going to cost to go to this customer. You think, hey that should be super easy. That's like in the Ecommerce world, until you start to realize, well, it's really important that you get that right. You have to first know where all that's going to ship from. Jeff: One of the biggest things is a really deep integration with our ERP so we can understand where the inventory resides and then how much it weighs and the sizes and all those kinds of things so that we can do that on the fly. Because right now we do an add back type thing. We'll tell you what the freight is later. Customers don't like that. Especially not in the Ecommerce world. Getting that upfront, same with sales tax calculation. Right now, a lot of that's done on the backend and people want to know upfront. That means building a system that has management for resale certificates and all of those pieces. Jeff: I need to understand where are you exempted, where you not exempted and what are you exempt from and all of those kinds of things so that I can quote you and tell you what the sales tax is going to be upfront before you place your order. That's another piece of it that we're excited about. Requisition list is another one where people will have their own custom price list in the system where they can quickly order. We're building a system where they can upload an Excel file with all of their items that they want so they can do quick ordering and quick reordering. Jeff: I guess those would be a few of the systems. Like a quote management system to allow people to request pricing on items and then for us to respond to them live and track that inside of our system is another one that we're building. Those are all areas where we're saying, hey, this could really enhance the user's journey and make it a lot easier for them to do business with us. Stephanie: That's great. Yeah that sounds like some great changes. Have you had any customers trying out the platform as beta testers and have you seen any difference when it comes to average order value or anything? Jeff: We're not quite there yet. We finished design and we're in the midst of development at the moment. I would say that that's going to be one of those steps prior to launch. Will be first to have sort of sales associates and account managers jump into the platform and test it for themselves and then to really get especially key customers in the system testing, and then also giving us feedback. What do they love? What did they not like and how can we make it better for them? That's on the roadmap before launch to be able to say, "Hey is this better for you?" It's funny because on a traditional B2C Ecommerce launch, you'd be focusing so much on the front end. Jeff: Like, the My Account pages are taking just as much time for this site because that's where our customers are living. They want to use the search, but they really want to use the my account pages. They know what they want, and they need to be able to quickly reorder it. They need to be able to see their orders. They need to be able to have the ability to upload those requisition lists. It's a little bit of a twist but getting them, especially into those my account pages so that they can spend some serious time understanding their accounts and telling us what they like or what they don't like is going to be really important for the launch process. Stephanie: Yeah. That's really interesting about focusing on my account page and how much time they're spending there. I'm sure that things like product suggestions or also bots might be very important on that page to help showcase items that maybe they wouldn't otherwise buy when they're just quickly uploading something or just reordering. Are you guys experimenting with some of the suggestion features? Jeff: Most definitely. Yeah. That's part of the vision is to try to figure out and say, okay, we have these deep relationships with customers and they buy specific sets of products. How can we expand to purchasing a product set? How do we get them and introduce them to complimentary products and show them the right pricing and the right place so that they can say, "Hey, I should totally add that on." That's something that I should consider. It's an interesting challenge for us because we have different personas or groups of people that we're dealing with. Jeff: On one hand we're dealing with dealers and they're really reselling product. You're trying to show them maybe categories of product, where do they need to expand because they're buying for specific purposes. Then you have end users and those end users you might want to show them a different size or a different color. We're experimenting with what the best algorithm is that we can use to show them the right products and then also in the right places too. Stephanie: That's great. What tests are you most excited about that you're pitching to everyone right now and some people maybe aren't sure about? Jeff: I'm actually most excited right now about the lead gen side of our business. Stephanie: Tell me more about that. Jeff: When you start to think about what the power of Ecommerce is for a B2B organization. Ecommerce can really become the engine that powers the acquisition efforts of a company. Especially because we can get in front of hundreds of thousands of customers a month, whereas the traditional B2B sales force might only touch hundreds of customers per month. Maybe thousands, but definitely not hundreds of thousands. Jeff: The idea of... What does it take for us to build a really cool robust system to not only bring these leads in but then to try to figure out how do I score these leads and then not only take them and turn them into an immediate sale, but to determine which ones of these really can be turned into those more traditional B2B accounts that we have these deep relationships with that are going to buy from us for years to come, many tens of thousands of dollars, right? Jeff: The really exciting part to me is looking at it and saying, okay we are on the Ecommerce side, on the B2B2C Ecommerce piece of it. We almost have too many leads. We get so much traffic that comes in. So then how do you figure out, take all those leads and build a really robust system where you can make sure that they're getting exactly what they need, and you're closing as many sales as you can, but then how do you figure out a way to pass those accounts up, the right accounts to the right people so that you can build them into a much larger long term sustainable program. Jeff: For us, that means building a really cool inbound sales team that makes sure that we take care of those leads and that we foster them and do all the things that we need to do, but then building an outbound sales team as well that's going to go in and then say, "Hey, let's take these leads and take them to the next level." Then also figuring out a system for passing accounts up and down inside of the organization. You really want to be able to pass a lead up or a customer up that has substantial potential to be either a national account or what we'll call an enterprise level account. Jeff: But you also want the reciprocity of getting those accounts back or the smaller accounts back from the team. I will say that no one wants to give up that account. That's a big challenge inside of an organization when you're trying to say, "Hey, I'll give you some, you give me some." The way usually ends up being is someone... Everyone wants to receive, no one wants to give. But the system only really works if you can give the best to the... But then also that you can receive quality back. For instance, handing back to the E-com team, only the accounts that don't do any business, isn't really a win. Jeff: You really want your enterprise salespeople focused on enterprise level accounts. We're having to sort of wrestle through what does that look like in terms of structure. I don't know that we really have it all figured out yet, but it's a cool idea. Stephanie: I'm guessing there's a way to automate that and create rules. So it, like you said, can go up or down depending on certain criteria from when they're coming in. How are you all thinking about automating that process? So it's maybe less of a salespeople having to give and take and whatnot, and more like, Oh, this is automatically routed to you based on these metrics. Jeff: That's exactly what we're doing. We're exploring machine learning and big data to try to figure out a really good way of scoring customers because using that scoring, you can figure out how to pass customers up. Then a set of rules as well that says if these customers aren't of a certain size or if they have this kind of profile, they really belong in this group. But it's an interesting challenge from trying to figure out where do you get all this data from, and then how do you process it? We're exploring different options right now in terms of what that might look like and how we can best approach that without spending a ton of money before we bet that it actually works. Stephanie: Yeah. That's really cool. So outside of the prospect giving that information, what kind of things are you looking into right now to find the information to help with that scoring process? Jeff: It's actually challenging. You have certain pieces of information that are given to you which you have usually a name and an address. Their email address usually has a domain associated with it, especially in B2B. So you can pull a lot of information from that and you can start to sort your domain, your customers by domain. But really we're looking and saying, okay, well we do know the purchase history. The idea then is, okay, if you were to sort all your customers out, you can sort them on a scale of, let's say a one, two, three. You can say my best customers spend the most money with me. My worst customers spend the least amount of money with me, but that really misses part of the point. Jeff: You almost need to add a second access to this, which is really about customer potential. When it comes to customer potential, we're looking at the idea of what would it take for us to add some big data to this? To understand the size of their company and the profile of the company that they come from, or the industry that they come from as well, because the industry can be really important to us. But then the other side of it is also looking at what they purchased. Like for instance, people who purchase specific equipment or supplies, they're going to have a much higher lifetime value with us because those are proprietary or have maybe a really good pull through rate. Jeff: For instance, it may not be that it's a proprietary supply, but when you buy that machine, you have to go through a lot of supplies to make it worthwhile. You look at the data and you say, okay, that customer has a huge amount of potential. Not because of the amount that they bought from us, but because of what they bought or who they are, the company that they work for or their position. We're looking at the possibility of maybe even extending that into some of the databases out there that help you understand whether people are in market and what their roles are as well. Jeff: Because when you're dealing with B2B, you're not really selling all the time to the company, you're selling to a person inside of the company and that person has a role. You have to figure out, okay, well what role do they play in this picture? That helps us to sort them into personas. If you're dealing with a really small number of accounts, you can figure this out, but we have to automate it because it's not really feasible to do that in a one off basis. Stephanie: Yeah, definitely seems like you're going to need a whole entire data or business operations team who can build those rules out for you and have dashboards. That seems like a big project, but well worth it. Earlier, you mentioned that you guys have more traffic than you know what to do with and lots of leads coming in. Of course my first question is how are you getting this traffic? How are you acquiring potential customers? Jeff: Sure. I mean... We're in a niche industry, right? So that's part of it. We've been around for a really long time. Because of that, at least... Spiral has been around 80 years, My Binding for almost 20 on the web. As you start to look at that, we created a massive amount of content. Thousands of videos and pages. We really have in a lot of ways, the best websites in our sort of space and industry. Because of that, people are finding us to solve problems. What you find is that we built out these websites and either through SEO or through paid search we're driving a ton of traffic to the websites because they convert and that makes a ton of sense. Jeff: We're essentially... We have all of this content and it's really designed around this idea of how do we solve these problems for customers? We can drive more and more of that content. The website deals with a certain number of those sort of leads and converts on its own. The challenge for us tends to be, what do you do with the people that are maybe a little higher in the funnel? You're now talking about making sure they have a really awesome call center that is going to be able to answer those questions. Live chat is really big. We've extended our live chat hours all the way to midnight which is unheard of in the B2B space. Jeff: I want somebody there to talk to somebody if they have questions about products. Especially really big products. We're experimenting with the idea of doing triggers for live chat. We did that and that was really successful for us. We turned on the trigger and said, with the idea of if I walk into a store, somebody says, "Hey, how can I help you?" We did that on the Ecommerce site and we had massive numbers of people that were engaging with us. But the surprise to us was that many of those people were actually much higher in the funnel than we were used to dealing with. Jeff: In other words, they were now engaging with us and they weren't ready to buy. They were in the research space and they had lots of questions. Which is really cool but it just changes the model a little bit and you all of a sudden have to figure out how do I step up for that? How do I make sure that I have the right person to answer those questions? That's part of it. Driving the leads really comes to how do you acquire traffic on scale? Really good high quality traffic for the site. Then the question is, well, what can you do with it? Driving the traffic is really exciting from a standpoint of it doesn't have to be done in one way but you have to be maybe a little bit creative to do it because you really are trying to get in front of people that have problems rather than... Jeff: At least in our space, you don't come to a binding website unless you have a problem that the binding website can solve. It's not exactly an impulse purchase. You're going to show up and you're not going to just browse around. I wonder what kind of binding machines they carry. You probably are on a mission to solve some sort of problem. Right. Whether that's like your bosses told you that you need to buy a binding machine or you need to upgrade the way that your reports or presentations are going to look, or you have a deadline of Friday and you need to get these reports out for the annual meeting. Jeff: These are all sort of really common sort of scenarios and so then the question is, will this product work for my specific needs? That's a question that our customers are constantly asking. Building to that has been a really great sort of acquisition model for us to build around the idea that every customer that comes to us comes to us with a problem that we can solve for them, and then figuring out how do you work backwards to that? What problems could we solve? Then as you start to get creative with that and build massive amounts of content, that content lives out there forever. That's been really a big part of our success, is really the longevity but also the content generation sort of machine that we've built over the years. Stephanie: How has your content... What is the style now today? Is it only educational? Is it humorous and how has it evolved over time? Jeff: We've tried a lot of things over the years. We've tried to be funny. I think we think we're funny sometimes. We've tried a bunch of different things. We've tried to be really educational. It was really hard to figure out the ROI of that. What we've really... If you were to look at our content, we do a lot of content that is really close to the bottom of the funnel, but that would be really helpful. We go with that sort of helpful thing as well as deep. So the idea of building out a really robust and large set of content over the years about products. Jeff: We spend a lot of time making sure that we have all of the details about the product, even to the point where our competitors come to our sites to look up products because they don't have as good of information as we do. That's one piece of the content side of things for us. We have a lot of how to videos. We did a bunch of experimenting around the videos. We found that the videos that people really cared about would basically answer a couple of quick questions. But mostly it was, will this product work for me? How does this thing work? Jeff: We made a whole series of those videos, almost five thousand of them that are really around the idea of how does this product work and a quick demonstration essentially. Usually around a minute long that takes the product out of the box, show someone how to use it. Those really work well for us because they show a customer generally what are they looking for. A lot of customers they want to see what it looks like or they have a machine already and they want to say, "Is that's the thing that works with my machine.? They don't understand our language. Those videos have worked really well for us as well. Stephanie: That's great. Are there any surprising pieces of content that you didn't think would work that did, or surprising sources of customer acquisition that you wouldn't have looked into before? Jeff: We've had a few blog articles that have found traction in the world and the web that I wasn't really anticipating. We've written a lot of content over the years. Most of the blog articles get a little bit of traffic. They're like evergreen content, little bit of traffic over a long period of time. But occasionally we'll end up with one like... Something about how to laminate without a laminator. Stephanie: That's a good one. Jeff: Amazingly, there's a lot of people that look up that and I was shocked. It consistently drives more traffic than almost any other blog article for us. Which is odd. I'm not sure it drives a ton of business because they don't want to buy a laminator, but if you think about it, there's a whole segment of people that have maybe problems that we don't traditionally associate with our business. That would be one thing and then the other piece would be the language piece. Jeff: It's always surprising when I discover that the language that we use internally for our business doesn't match the language of the customer. An example would be we talk about binding covers all the time because we're in the world of binding. A lot of people they just talk about card stock. In the paper world, the card stock doesn't even exist. It's not a thing. People will talk about it. It's cover weight paper. Index weight paper. Card stock is like this sort of crafting term. Yet it's sort of taken on a vocabulary of its own in the world. Jeff: When people search for binding covers, often they'll use that word. That's always surprising to me as well. There's a whole list of those things where people basically they choose to use their own words to describe things. Now you're trying to figure out how do I technically be accurate about this product but really use their language? Because if you don't use their language, then you're not going to show up in search for this stuff and they're not going to feel comfortable with it. Stephanie: That's a really good reminder, especially with generational shifts that the new consumer might be using completely different language than what you're used to. How are you exploring what that language might be? I mean, especially a company that has been around since the thirties, how are they figuring out, oh, this is what they call it now, this is what the kids are saying these days? Jeff: Probably the easiest thing for us is to look through our search results and especially the no results found once because often it's those things. When people are typing in stuff in the search bar and nothing's popping up. You look at that and you're like oh... A smart merchandiser, someone who understands your products really well, they start to make those connections and they're like, oh, wait a second. That's what they mean. Obviously a lot of that like spelling mistakes and things like that. You can fix those in your search engine but when you start to look at it, you start to see sometimes patterns. That's one of the easiest ones. Jeff: The other two that are really helpful for us would be Google autosuggest. Just start typing things in Google and then figure out what Google thinks that you should add to the end of it. All of a sudden you realize, okay, maybe people are searching for maybe a slightly different side of things than we thought they were. Then the other one would be Amazon. Amazon, their product terms are awful. Yet they sell so much. Why? Because they tie into language. They have usually products that have all these different words in the titles that you would never imagine. Jeff: As you start to look at products that are really successful on the marketplaces, you can start to realize, okay, well maybe they're onto something there. They've managed to call out even the most important attributes of that product in a very search centric sort of model or they have really been able to hone in on maybe key words that we weren't thinking of when we've been building this out. Especially because often you start with whatever... A point of reference would be the manufacturer's title. It becomes quite difficult sometimes to sort of detach from that, but Amazon detaches automatically because they let people come up with their own titles for stuff. Jeff: Usually it's the sort of ecosystem that will change the title to try to optimize. Sometimes when you find really successful products that you're realizing, Oh, maybe people do care about that. Stephanie: I love that. That's really good tips to remember about, finding those keywords and how to discover them because yeah, I think even longterm key words would probably be really good for your industry. I'm thinking, how would I Google something like that? I would probably be like how to create a hard cover book for my presentation or something really long winded like that. It's a really good reminder about the keywords importance. Jeff: Then obviously you have your paid search stuff too. You can look and see in your paid search accounts, you can say, okay, what keywords are actually driving? If it was a broad or a modified broad match keyword, you're going to start to dig in and you can say, oh, it actually matched on this keyword and it drove a sale. Again, driving back and saying, okay, what am I driving sales on? It tends to be a really good place to start discovery as well. The only thing, the problem with that is that you might be so far off that you're missing the boat completely. That's where it takes a really good merchandisers to sort of nail that stuff down. Stephanie: I also think it was interesting earlier when you were talking about how to laminate without a laminator and thinking about selling something through saying, oh yeah, you don't need to buy through us. Here's how you do it because I'm sure a lot of people, like you said, are searching for stuff like that or how to fax without a fax machine. I know I've searched that quite a bit, but making fun of it and you might actually be able to convert someone who's like, Oh, I actually just do need a laminator to do this, but having a humorous video around that. Jeff: Yeah. As well as maybe they decide that they want to buy some cold laminating pouches. The idea is, if you can be really helpful in the long term, going back to that idea of video. We've done a lot of videos over the years. We understand that many, many, many times people use our videos post-purchase not pre-purchase. People are going to the video to figure out how does this thing that I already bought work. Well, that doesn't really help us but it does help us in the long term. Jeff: As you look at it and say, it's not going to win us the sale today, but it will win us brand awareness. It does potentially when you do supply sales. Because we're a very supply driven sort of space. If you think about it, if you buy a binding machine, you got to buy some supplies for it. Longterm, we want to have an awareness and be in front of customers so they understand who we are when it comes time to buy the supplies that they need. Stephanie: Just like you said, it's really important to continue to stay in front of that customer so they come to you to buy supplies and remember you guys. How do you go about doing that and keeping a customer retained? Because it seems like it would be easier with these legacy customers who are maybe in these year or three year long contracts. Now when you're moving towards Ecommerce and they can hop around really quickly, it seems like you wouldn't be able to retain customers as easily. So how do you go about staying in front of them? Jeff: I mean, there's a lot to that, the question. To give you maybe a general overview of our thoughts is a big part of our business and something that's really important to us. Especially on the E-com side of things, it really starts with delivering a really awesome experience upfront. So you need to be able to help them find what they need and then deliver it to them in a really reasonable timeframe or meet their deadline. All that kind of stuff. To have the product in stock and all of those kinds of pieces. That's actually harder said than done when you deal with a really large niche category. Jeff: That's the beginning piece of it. Once you've given them that positive experience, or if they've had a negative experience, you use your customer service to basically earn a customer for life. That's actually the motto of our customer service group. Earn a customer for life. As you look at this idea, you say, okay, well, we now have a shot at their business longterm. Now the challenge for us is, okay, what's the best way to reach them? The easiest way is email. We have a ton of automation in our emails. We send emails based upon what you've purchased with replenishment. We send life cycle campaigns based upon... Welcome to the store anniversaries campaigns, and then also best customer campaigns, win back campaigns and reactivation campaigns. Jeff: We have all these automations that go out. They're really helpful. We also have sales that go out on a weekly basis that keep people engaged and keep things front of mind for them. You combine all of that on the email side, but then you recognize that that maybe only gets you half the customers. The question becomes... Because there's a bunch that are opted out in the B2B space, it's really hard on deliverability to get into the inbox. More and more people are using advanced filtering programs to prevent spam from getting through to their employees. Jeff: As you look at that, you say, okay, well, email only takes you so far. So then what do you do? The real question is, back to that conversation we had earlier about lead scoring, how do you determine your best customers or your best potential customers and make sure that you get somebody to call them? To send them a personal email which are easier to get into their inbox or to find another way of touching them. For us right now, the two other ways of touching them that we're sort of exploring, one would be SMS and then another would be direct mail. We're kind of in the process of exploring a test on SMS. Jeff: I'm not too sure how we feel about it, honestly. We have to figure out how our customers feel about it, just from the standpoint of as you look at customers giving their personal cell phones for business purchases and getting text messages. But you think about it, that's a great way to get in front of people and stay in front of them as long as you're going to be super, highly relevant. Then the other piece of it that we do a little bit of would be on that retargeting side of things. If you don't know who that customer is exactly, or don't have their ability to email them, you can at least sort of [inaudible] do it, make sure you're sending or placing ads more frequently into their feeds on different platforms through retargeting. Stephanie: That makes sense. It seems from, especially in SMS perspective, it seems like the only angle you can go about is being helpful. Like oh, you probably are running out of supplies, order now. I don't know, you can get a discount or something. It seems like there's not too many ways for B2B companies to use texting without the customer being like, "Oh, I don't want to be thinking about work right now." Unless it's a trigger for them to be like, "Oh, I need to reorder this or else we're not going to have it on the day." Is that true or are you seeing other avenues? Jeff: Well, the first step would be to be helpful with order cycle. For instance, think about what Amazon has done with allowing you to get a text when the item is delivered. Which is a big problem for a bunch of our customers, especially in pandemic, but even outside of that. It might be delivered to a central desk or to the shipping and receiving area of their company like an alert. Alerts are a pretty good option for us to sort of get our toe in the water a little bit and to stay active. Then yes, something that's personalized. Jeff: Then also, what we're struggling with is what is the best time of day to do this? Probably don't want to send it to them in the middle of their evening. They're disconnected from work, but you also need to make sure that... It's got to be time adjusted for the time that they're in and they also really needs to be followed in their workday probably. Those are some of the things that we're sort of figuring out and testing right now and saying how is this going? Then what's also the most appropriate way to collect where people don't sort of get freaked out. Because it's one of those things, do you want to get text messages from your binding company? I don't know. You got to ask it in an appropriate way. Stephanie: Yeah. That's a really good reminder. All right. We have a couple minutes left and I want to jump into a quick lightning round brought to you by Salesforce Commerce Cloud. This is where I'm going to ask you a question and you have a minute or less to answer. Jeff, are you ready? Jeff: Okay. I'm ready. Stephanie: I'm going to start with the hard one first for you because I feel like you're in a game right now. I got to keep it going. What one thing will have the biggest impact on Ecommerce in the next year? Jeff: Well, I think obviously it's COVID. It's pushing people online in completely new ways. It's shifting customer expectations around a whole bunch of different things. It's ruined the Amazon two day expectation, which I don't mind, but it's also shifted the way that people shop, where they're shopping, how they're shopping, and even their mentality. I don't know that we even really totally understand how it's affected everybody yet because everybody's still sort of in this scrambling mode. But ultimately I think as this shakes out, it's going to change the landscape of how we market, but it's also going to change the landscape of how our customers interact with us. Stephanie: I like that. What one piece of advice would you give a new Ecommerce entrepreneur? Jeff: I would probably say stick with solving the customer's problems. I know that tends to be a B2B thing, but it's not really a B2B thing. If you think about it, I need the right sweater for me. Really be customer centric. That becomes really cliche and that's why I go to the idea of solving a problem. You got to think about what sort of value proposition are you offering to this customer that's unique, that is going to allow them to accomplish something that they wanted to accomplish when they came to your site. Jeff: I think by focusing and being really focused on the customer problem, I think you can build out really awesome experiences, and then that deep understanding of your customer will take you really far. Stephanie: That's a good one. What is your favorite day in the office? I'm trying to imagine what a binding company feels like. What's your favorite day in the office feel like? Jeff: I mean, most of my days are pretty full of meetings. A day without meetings would be an awesome day in the office. Stephanie: That's a lot of people. Jeff: I think so. In the world of the binding company, a day in the office doesn't look all that much different than a day in a normal office. It might be a little bit like an episode of the office. Stephanie: That's what I had in my mind honestly. Jeff: Yeah. It's like paper company. There is a little bit of aspects of that, but I mean, we're just like any other company. We're a retailer, we're a distributor. We deal with customers all day long. I would say the other thing, the best day in the office is the day that you have customers that love you and that are just heaping praises, especially on the customer service people and your salespeople. When you have customers who are just singing your praises, those are great days. Stephanie: Yep. That's awesome. I'm glad you mentioned the office and I didn't have to. If you were to have a podcast, what would it be about and who would your first guest be? Jeff: That's a tough one. If I were to have a podcast. I am super passionate about entrepreneurship. I'd probably do an entrepreneurship sort of a podcast about starting a business, growing a business, and the creativity that goes around that. If I could get anybody on the show, I would probably pick an entrepreneur. Maybe I pick the person from lemonade stand or one of those organizations that's really making a big impact on starting up entrepreneurs with kids. That's something that I really love. Stephanie: Yep. I like that. Brings back the memories of my parents make me [inaudible] my neighbor's yard for 25 cents which is well below market. Jeff: I think you could make at least 50 cents for that now. Stephanie: I think so too. All right Jeff, this was very interesting, such a good conversation. So many good tid bits that people can actually use from this interview. Where can people find out more about you and Spiral? Jeff: Sure. You can definitely visit one of our websites. We've got SpiralBinding.com. We have MyBinding.com and Binding101.com. You can find me on LinkedIn as well. Shoot me a message and ask me to connect and I'd love to meet you. Stephanie: Awesome. Thanks so much for joining Jeff. Jeff: You're welcome. Thank you.

A speculative address https://www.theatlantic.com/books/archive/2020/05/conspiracy-museum/610984/ Skip to content Dear Therapist Crossword Puzzle Manage Subscription PopularLatestPoliticsIdeasPhotoScienceCulturePodcastsHealthEducationVideoTechnologyFamilyProjectsBusinessGlobalEventsBooksFictionNewslettersPlay CrosswordLatest IssuePast IssuesGive a Gift Dear Therapist Crossword Puzzle Manage Subscription PopularLatestSign In My Account FictionThe Billion-Dollar Disinformation Campaign to Reelect the PresidentThe Conspiracies Are Coming From Inside the HouseThe Normalization of Conspiracy CultureRead: Trump is building a dystopia in real timeRead: The lasting trauma of Alex Jones’s liesRobin SloanTwitter

*Stay tuned to the end for a special interview with Vlad Catrinescu (Twitter), Author & Microsoft MVP, concerning the new Power Platform Data Loss Prevention features.*    Resource mentioned during interview: Power Apps Center of Excellence    We all have our go-to sources for stock images. But soon, you won't need to leave SharePoint to find stock images to brighten up your modern pages.    Also on the show:    - Yammer app for Microsoft Teams    - Third party online meeting providers in Outlook for Android    - Continuous Access Evaluation (CAE)    - New and updated usage reports in Microsoft 365 admin center    - Prepare for update to the new My Apps and My Account experiences    - Change in OneDrive and SharePoint files links created in Outlook for Windows    - SharePoint Designer feature deprecation    - Microsoft Forms collaboration permissions and co-authors    - Microsoft Bookings to be added as an Office 365 app    Join Daniel Glenn and Darrell as a Service Webster as they cover the latest messages in the Microsoft 365 Message Center.    Check out Daniel and Darrell's own YouTube channels at:    Daniel - https://www.youtube.com/DanielGlenn     Darrell - https://www.youtube.com/modernworkplacescenarios     

Sooner or later, all of us experience broken relationships in life, and they can be extremely painful- But God's Word offers the means to cope with, understand, and possibly mend them. And today on The Truth Pulpit, Pastor Don Green will offer encouragement from the book of Philemon, as he continues our series, Charge That to My Account.--TheTruthPulpit.com

Today on The Truth Pulpit with Pastor Don Green we're continuing our series, Philemon- Charge That to My Account.. Last time, Don pointed out that the three principle men in Philemon are all types in the gospel. We took a look at Paul, whose selfless sacrifice, suffering and desire to be a reconciler typify Christ. Today Don will complete the picture for us by examining the roles of Philemon and his former slave, Onesimus. You'll see that each of us should find ourselves in this Biblical account, because it's our story every bit as much as those mentioned in the epistle. So have your Bible open...

Good things come in small packages, and that's absolutely true of Paul's letter to Philemon that has become a New Testament book. It models the gospel in a way you'll come to better appreciate here on The Truth Pulpit. Today Don begins a new series in Philemon titled, Charge That to My Account.----TheTruthPulpit.com

A doctor who specializes in infectious disease and critical care at Nanaimo Regional General Hospital says it is under-resourced when it comes to treating the most serious cases of COVID-19. Dr. David Forrest says NRGH has only 4 ventilators per 100,000 residents, which is far below what most other cities have. He says if several thousand people in the region became infected, there would not be enough ventilators for the 14 percent who would need them. Forrest is calling on all local businesses to close their doors except for grocery stores, pharmacies and gas stations.Meanwhile, BC Premier John Horgan is rejecting calls to shut down all non-essential businesses. Horgan says he believes many workers are already self-isolating and he's relying on a "methodical, science-based approach" before taking further action. The provincial government in Ontario has ordered all non-essential businesses to close by midnight tonight.BC's Provincial health officer will update the number of COVID-19 cases later this afternoon. Yesterday, Dr. Bonnie Henry reported 472 cases in BC, with 39 of them in the Island Health District.BC has announced a $5 billion dollar COVID-19 Action Plan which includes help with illness, financial strain or precarious employment. The Minister of Finance says British Columbians who have had to stop working will qualify for a one-time tax-free payment of $1000. Carole James says those affected can start the process by registering with the federal government's COVID-19 Emergency Care Benefit. Those who do not qualify for Employment Insurance can register on the Canada Revenue Agency's "My Account" portal. If you do not have an account, you will be able to register with a toll-free number that will be announced in the future.BC's action plan will help those with student loans. Payments have been deferred until September the 30th. BC Hydro and ICBC will also be offering deferred payment plans.Closer to home, the city of Nanaimo is closing more public spaces in the wake of the COVID-19 outbreak. All sports courts from hockey to tennis are closed. So are skateboard, bike parks and gated dog parks. Playgrounds were closed on Saturday.Written and reported by Lisa Cordasco. Senior Reporter and News Director for CHLY 101.7FM.Have a tip? Email: news@chly.caTwitter: @lisacordasco / @chly1017FMFunded in by the Local Journalism Initiative of the Government of Canada through Heritage Canada in partnership with the Community Radio Fund of Canada.

Last episode, I talked about how to generally identify scams where the person is posing as a government official. However one of the most common scams people experience is calls from the CRA/IRS and that’s a rather unique case. After all, if you owe the government any kind of money you know how the CRA/IRS operates can seem a little shifty. For example, in order for them to verify they are talking to the correct person they ask for the person’s SIN which is awfully similar to how scammers would operate. So in light of this, being able to distinguish between a scam and not is keeping an eye on key identifiers. For example, in some scams, people are directed to a fake tax website where you need to verify personal information. With this in mind we know the official site wouldn’t ask for personal information out of the blue since it’s mainly used as an open source database. Another key identifier is checking the URL. Not only do official websites have https (meaning it’s a secure site), but you should be familiar with the exact domain in your country. It’s also worth looking over other behavior that the tax centers portrays through various mediums. Here is a breakdown of what they do. Over the phone, they will: Verify your identity through a variety of identifiers outside of SIN. They will also be asking for your full name, date of birth, and address. They also make a point of explaining why they’re calling as well (which is usually about a specific account like collecting income tax, EI debt, etc.)Ask for specific details about the account in the event you’re asking something business related to your account.Call to start an audit process. They will never: Ask for other information outside of what’s stated above. This means they won’t ask about your passport, health card or driver’s license.Will demand immediate payments via cryptocurrency, prepaid credit or gift cards, e-transfers or other mediums.Use aggressive language or threaten you in any way.Leave voicemails that are intimidating or threatening. Over email, they will: Send you notification whenever you receive a message or document that appears in secure CRA/IRS portals. Examples of portals are things like My Account, My Business Account, or Represent a Client.Also email you links relevant to conversations that you had with an official over a call, or meeting. These links are linked to a CRA/IRS webpage, form or a publication on the site. This is the only time they’ll send links in emails. They will never: give away or ask for personal or financial info via email or ask you to click on specific links.Email you asking you to fill out some online form.Send you emails with links to refunds.Demand immediate payments via e-transfers, prepaid credit or gift cards, cryptocurrency, or other mediums.Threaten you in any way. Whenever they send you mail, they will: Ask for bank information such as the name of your name of your bank and the location.Sending you a notice of assessment or reassessment.Ask you to pay an amount owed through official tax payment methods. Examples are through online banking, paying through My Payment option on My Account, visiting a government building and paying in person, etc.Letting you know they are taking legal actions to recover money owed if you refuse to pay a debt.Write to start an audit process. They will never: Request a meeting in a public place to take a payment.Demand that you pay immediately through e-transfers, cryptocurrency, gift or credit cards, or other mediums.Threaten you in any way. Lastly if the CRA/IRS ever texts you, remember that they doesn’t use text messaging. They will not communicate to you through any kind of messenger app at all. As you can tell, sometimes the lines between legitimacy and a scam are a bit tricky, but to better protect yourself, ask the following questions: Why is the caller pressuring me to act right now? Can I be certain they’re really a government employee?Have I filed my taxes on time? I should have received a notice of assessment or reassessment stating if I owe anything.Have I received any written or verbal communication from them recently that warrants this email?Do they have my most recent contact information like address and email?Is the caller asking for information that is unrelated to what’s placed on my tax return?Did I recently send a request to change business number or business information?Do I have an installment payment due soon?Have I gotten a statement of account pertaining to money I owe to a government program like EI or Student Loans? Also remember with the CRA/IRS they want to work with you if you owe them money. They will never pressure you into paying if it affects your daily life.

In this episode, Stan and Mike talk with CCW Safe Accounts Manager, David Darter.  They talk about some of the most common questions from our members and prospective members, and some of the best practices for getting help with your account.   Full Transcription below! Speaker 1: Welcome to the Inside CCW Safe podcast with founders Stan Campbell and Mike Darter. If you're forced to fight the battle for your life, CCW Safe will fight the battle for your future. Mike: Okay. All right. Peter Gordon. Mike: Hi, welcome back to the Inside CCW Safe podcast. I'm Mike Darter with CCW Safe in Oklahoma City. Here, we're with Stan Campbell. Stan Campbell: Yeah, Stan Campbell holding down Los Angeles today. Mike: You're what? Stan Campbell: I said I'm holding down Los Angeles, sorry about that. Mike: Holding down Los Angeles. I hit my little mute button to turn off all ... I'm turning off all my phones and beeps and stuff, and I accidentally hit the mute button on my computer which muted you. Mike: So, Stan man, it's been freezing here. We've been like had two school days. Stan Campbell: You said two school days? Mike: Two no school days. Stan Campbell: Oh, two no school days. Yeah, you guys have ice storms out there, right? Mike: Yeah, it's been crazy. But I think today it's supposed to get up to like 40. So, it should be pretty good. What's LA like? Stan Campbell: LA is kinda overcast. It's not that pretty, but it's no ice. I haven't seen ice over there. No ice. Mike: Good deal. Anything else going on recently we need to know about? Stan Campbell: No. I mean, we're following the ... And we will get to talk about it at a later podcast, but we're following the constitutional carry that just got passed here in Oklahoma, and that's a good thing. Mike: Yeah. I think it goes in November? Stan Campbell: Yeah. November 1st is gonna be when it pushes through. So, that's a good thing. It's always good to hear some governors willing to stand up for those who support the Second Amendment and take care of concealed carriers and such. Mike: Yeah. I didn't know that was even going through until yesterday. I know it went through last year and then the governor didn't sign it. But, cool. Mike: Well, today we got on my brother. My real brother, not my first [inaudible 00:02:23]. Mike Darter: Not a brother from another mother. Stan Campbell: They're brothers from the same mother. Brothers from the same mothers. Mike: David Gardner, he's our account manager. David, thanks for coming on. David Darter: You bet. Mike: Thank you, Dave. David Darter: Good to see you around. Mike: Did you still end up in the city as well, fighting this ice? David Darter: Yeah, I already fell yesterday. I busted my butt. Stan Campbell: That's not good. Well, what, as long as it wasn't on CCW Safe property, I'm okay with it. So get back to work, Dave. Get back to work. David Darter: That's hilarious. Stan Campbell: For those who don't know, I mean, we always talk about our support staff. You guys heard about, we had just added Justin. The usual suspects, Don and Gary, but behind the scenes, who really keeps this thing moving and who coordinates all the efforts of customer service is David Darter. He is the star really of CCW Safe because if you're not involved in a critical incident and they need our support because of an arrest or use of force to defend your life, you're dealing with just simple issues of customer service and just simple questions that you just might have if you just chose to join us without really learning about us. And David is the one who really ... He holds down that position and he does an awesome job with our customers. Stan Campbell: I really love having him in that position and being over the specialist, just coordinating all the efforts and all the help with the members in our CCW Safe family. I just wanna let you guys know, David is a rockstar. David Darter: Thank you, Stan. I appreciate that. Stan Campbell: No, it's okay. David Gardner: We take a great pride in our customer service. Stan Campbell: Yeah. That's true. And what, David, I was really trying to invest. That was the opening for Michael to list. It's obvious that there's some big brother, little brother issues going on here, where he can't give you a simple account- Mike: This is what happened. I'd just plugged in my headphones at the time he said that 'cause I didn't know if my mic was picking up you coming over the deal. So, I was like, "Maybe I'll just talk to my headphones." I'm taking them off now because it's like watching a- Stan Campbell: A Chinese movie? Mike: ... a 1970s movie. So I didn't hear what you said. Stan Campbell: That's hilarious. Mike: There you are. Now you're talking in your mouth. Stan Campbell: Yeah, we're here Michael. Mike: So yeah, he is a rockstar. Stan Campbell: Yeah, he is. Mike: He does great with our customer service, and that's one of the things that ... It's hard when you're dealing with tens of thousands of members and trying to provide good customer service for a nationwide covering. It's very hard to do that. I know that some of our competitors have the same issues that we do, but I think we handle ours very well and I think that we have a very good handler of our customer support, and a lot of it is because of David. Stan Campbell: Absolutely. David, and David sorry, we're gonna talk about you first. So David, he is the accounts manager, and of course, like I said, he's over the CCW Safe specialists who get your non-emergency calls. If I had to really do an estimate, I'd say about 98% of the calls for service are non-emergency. The 2% would be emergency calls, talking about arrest and use of force issues. Stan Campbell: So it's a lot of work. What everybody needs to understand, and let's start out with backstage, stating that, we have a great system in place, and it's a layered system. Number I, we want everyone to know that if you have account issues, absolutely send them to David. Don't call the non-emergency number if it's an account issue because, by design, we don't have them ... The contracted organization who handles our non-emergency calls, we don't have them able to have access to your accounts. And that's just to protect you guys. It's all about protecting you all from police officers here. Everything that we do, even what we desire for customer service, is so to protect you, your credit card, access, and all that. Stan Campbell: So if you guys have any account issues, please send it to david@ccwsafe.com, or support@ccwsafe.com. That way, you don't waste any time, you don't get frustrated because the non-emergency agents you can't have access or can't access your account. So you don't want to put that information out there. Stan Campbell: The other thing that I want you guys to understand is that this is a very unique business and it's a very unique service. And when people call us to get answers, it's not usually a quick one-minute phone call. We spend a lot of time with our members on the phone. I wish we could do it a little bit faster but those who call can really, and please send emails supporting my statement right now for those who have enjoyed the time and effort that we have spent with you 30 minutes to an hour, to really give you an understanding of this service, your protection, because a lot of this stuff is built in legal leads. Stan Campbell: Although our agreement is pretty cut and dry, there's still some legal leads in there; it has to be because of contractual agreements. But people usually you don't understand a lot of this stuff without lawyers. So when they called David, or when I see there's an overflow and I jump on the phone, because I oversee all of it as well: If I see there's a pending call, I'll jump on it as well and take some calls. But when we spend that time with you, please understand if we don't get back with you, we have to put it in a priority and we're getting back to you as fast as we can. So, make sure that you guys just really be patient with us. Kudos to David for spending that amount of time and giving these people a real understanding of their coverage. Stan Campbell: But before we start with David, I wanna talk about a call that I just received, because Dave is going to go over today. Not the Top 10, nor the most significant, the calls that we get most often, the frequently asked questions that come across his computer most. But before he starts, I'm gonna jump ahead of him and talk about one that I received today. Stan Campbell: One of our members who has been with us for a long time, I'll just call him Jim S., it becomes [inaudible 00:10:07] listen to this, but Jim called me and he and I, we've been ... I've been trying to give him understanding and we finally kind of got through to him today 'cause I got on the phone. Sometimes it's best to get off the computer and get on the phone. Stan Campbell: I talked to Jim about his services that he's providing for his church with a volunteer security. Please understand that we absolutely support what you guys are doing when you, as concealed carriers, are getting together, teaming up with your churches, and trying to give them some extra support beyond who they hire for security, their armed security outside or if they don't have it. Putting teams together, training together, and doing all those things. That is a noble thing that you do will be a church and it's absolutely needed. Stan Campbell: Well, Jim and I discussed today because he has one of our older plans and he's moving toward the ultimate plan, which has a special coverage for volunteers security, for churches only. So, he and his wife are moving to the ultimate plan to have that coverage because I sent him some other alternatives. Because, for us, CCW Safe, what we try to do is really cover you and give you advice and recommendations that even protect you from yourself. Stan Campbell: What I mean by that is, I already stated, and you all will agree with me, it's a great thing to defend the church, and those that go there, but please understand, if you get into a use of force, you will absolutely be a hero that first day, second day, that first week. But if you overshoot and you make a mistake while all the members of the church are running around, and you accidentally shoot an innocent person, although they will thank you initially for defending their life, please understand they will be contacted by a lawyer and they will sue you and the church for damages. It's just going to happen. It's human nature, it's the process. It's unfair, but it's just what's gonna happen. Stan Campbell: And that's the reason why Mike and myself and Kyle, the partners, decided to protect you guys a little bit with the ultimate plan because it's a dedicated million dollar civil liability coverage that will cover you for that type of incident when you're in a legitimate shooting, and you're trying to protect others or yourself and you shoot an innocent bystander. It's needed. Stan Campbell: So, I went over those things with him. I made it known. He told me that he even got permission from his pastor, who created this volunteer group. But I told him. I said, "Please protect yourself and get that in writing, because at the end of the day, when the smoke clears and they start trying to sue the church, it's gonna be every man for himself regardless of how long you guys have known each other. I mean, it's every man for himself. So, we're trying to get you guys to protect yourselves. If you are in church security, please protect yourself no matter what you think and upgrade to the ultimate plan so that you can cover yourself, because at the end of the day, that's what it's all about and that's what we care about. Stan Campbell: On that same note, I'll give this one more little tidbit before we add David in. Sorry for taking up all this time, but it is very important. The reason why it's important to go beyond your homeowner's insurance and any other insurance entity, we hire civil attorneys for you, not for CCW Safe, to protect you and your actions with that as the agenda. Other entities, homeowner's insurance, they're gonna hire lawyers associated with that insurance company to protect that company first, and you second. That makes a big difference, and that's why we open this thing up for you. Stan Campbell: Guys, please research. Research your own ... I'm not gonna tell you that. Research your homeowner's policies, make sure that they say that they cover, and it has to in its verbiage, "We cover intentional acts because, although you didn't force a shooting, it is an intentional act." If it does not say that in your policy, you are not covered no matter what your broker may try to slide to you in between the smiles and laughing. Please protect yourself, and that's what I had to say on that. Mike I'll let you jump in. Mike: No, that's great points. And we do have a lot of that. So, what do we want to do? Let's get right into it. Just for time, do you have some questions that we were gonna go over today or did you- Stan Campbell: Well, what we did was we had David pick up some of his top questions and, as he's going forward, I'll add some more, ask some more- Mike: Yeah, we can jump in. Stan Campbell: Yeah, we'll jump in. Mike: Okay. What we figured was that we would kinda get a list of our top questions, because we do get these spurts of questions too, that we get one question that starts coming in and then we get a bunch of those questions coming in. I don't know where ... Mike: (silence) Mike: ... have some that are more common than others. So we figured we'd kind of go through that, and somebody maybe who listens to our podcast, who's not a member, might be able to get some insight. Or if you're a member, you might not have full understanding of everything that we do. So, let's just jump right in. Stan Campbell: Okay. Who'll be your first? David Darter: Okay. Let me start just real quick by kind of talking and following up on what you said, Stan. We try to do the best job we can. We take great pride in our customer service. We are in the midst of an upgrade to make the check out much easier right now. Stan Campbell: That's right. David Darter: And then within the next probably four to six months, we are going to be updating some of our phone systems and things like that. So, we constantly try to make it better and easier for new members to get ahold of us and we wanna answer your phone just as quickly as possible. Unfortunately, you can't have an infinite number of specialists. Stan Campbell: That's right. David Darter: So, sometimes it might take us a little bit, but we try to get used as quickly as we can, and we are doing a lot of updating that's going to make your whole experience I think much easier. So, I just wanted to throw that out there. So I think- Mike: And, on that too, there are other ways that people can can find out answers to their questions. We have a new chat that we kind of rolled out maybe six months ago. Some of that is automated; kind of takes you through. So if you ask a certain question, email support at ccwsafe.com is a good one. Sometimes, if you have a pretty simple question, if you email it, you might get an e-mail back before you would if you were to try to call in. So, we have different ways that people can get ahold of us. Stan Campbell: Absolutely. Mike: The chat, I think, has been a really get additional niche right on the website. If you go to ccwsafe.com, you'll see it pop up there. Stan Campbell: Yes. Just to piggyback what Mike's saying, hey guys, this works Central time because that's where our hub is located. We also have the West Coast times, but the West Coast Times but West Coast [inaudible 00:18:27]. So, if you do have issues that you need dealt with pretty quickly, you don't try to contact David between the hours of 8:00 a.m. and 5:00 p.m. in Central Time. Stan Campbell: Once again, we're trying to get ahead of any frustrations you might have or delays. David also does not work on the weekends. So, be mindful of that. If you say, "Hey, I contacted David on Friday at 10:00 p.m., you're not gonna get a response from him until Monday morning. So, please be mindful of that as well. Stan Campbell: Also, Mike did mention some of the other ways that you can gather information. A lot of people don't know that you can go to the website and you can find our frequently asked questions. Locate the frequently asked questions. I mean, there's two pages of them. So, you can get ahead of it and really study what your policy is about. Look at our terms of service. Look at the terms of service and copy that now. I mean, it too is on the website. Make sure that you go to the terms of service and have an understanding of what you actually have as coverage. Stan Campbell: But those means there, and to go along with Michael, you did mentioned the Chat function as well. We have a live chat, but a lot of the questions that you guys have can be answered on the FAQs, either in the Chat function or automated function, also has FAQs that we've seen with the live agents there. You can go there, look at the frequently asked questions on chats, look at their frequently asked questions on the website, and you actually have your answers when you put it together before having to call us. If you don't have an understanding then .... Stan Campbell: And we actually designed the chat function. It is automated initially so that it can answer simple questions. But if you ask a question a second time, please understand that the automated function is gonna state, "I'm gonna send you to a live representative." Okay? Then it sends us a message and we pick up on it. All of that's by design, like real simple stuff that it won't take us a long time to deal with. We can deal with the medium level request, and also semi-emergencies and emergencies. Stan Campbell: We're doing all this to try to keep the machine moving because at the end of the day, it's all about the emergency calls and everything else, it's not really an emergency, we can help you through. It's a non-emergency or an elevated non-emergency where you have a credit card issues, please, by all means, call David to get it taken care of. Stan Campbell: I wanted to kinda jump in and let you guys know about that so that you know those are the working hours. Don't frustrate yourself. I'll also give you a little head's up. Thursdays is the day, for some reason, that we don't have a lot of calls and e-mails. So, if you have something that can wait to Thursday, call at us Thursday. But if you try to hit us on a Monday, we're catching up on weekend stuff, non-emergencies and David is swamped on Mondays. You're probably not gonna catch him as fast on a Monday as you would on a Tuesday, and then Wednesday and Thursday. And please be mindful of that. Stan Campbell: We're trying to really assist tens of thousands of people, and just to be honest, we're still talking about hundreds a day. Let's be honest. 50 to 100 contacts a day is what we're dealing with, and these people all expect 30 minutes to an hour and it's only an eight-hour day. So, if you guys do the math, I hope you understand that. You have to just be mindful of that. Stan Campbell: Anyway, sorry. I get to talk too much, but go ahead Michael. God bless. David Darter: So, I think one of the first things that is probably one of our most frequently asked questions now, and is probably due to the political climate, the things that have been happening in some of the states. Do we cover New York? Do we cover Washington? Both of those states now have passed legislation where some of the other companies can't service members in those states. We still do. And Stan, I don't know if you wanna kind of explain the [inaudible 00:22:49] of the business. Stan Campbell: Absolutely, I will. Stan Campbell: Hey, guys. Those who are already members, kudos to you because you chose the right company. Those who are not, research, make an independent decision, and be Michael especially if you're in some of these questionable anti-gun states. Stan Campbell: David brought up New York and Washington state. We know the issues with New York. About a year ago, their governor all out, assault on, one of our competitors and also anybody associated with the Second Amendment. The reason why I say kudos to those who are members and part of our family already is the fact that we saw this coming years ago. And in 2016, 'cause we talked about it in 2015, we saw the writing on the wall. That's the importance of having people that know what they're doing and experienced in the criminal justice system, and handing handling a serious civil litigation across the nation. That's what you have in CCW Safe, and we are also leaders in the industry and forward thinkers. So we tried to get ahead of the anti-gun campaigns, and one was New York. Stan Campbell: So we saw the fact that we should not follow everyone else and attach ourselves to a traditional insurance and broker for insurance coverage backed by a foreign entity in Europe. We knew not to do that because we knew that it left you open as vulnerable to that traditional insurance industry that is regulated, while our competitors, all of our main competitors did that. They went for about a year or so, doing a really, really good job and taking their members. Stan Campbell: What I mean my good job is taking in a lot of members, but then once they got attacked, the anti-gunners, they were smart enough to attack the brokers, not the actual company. So they attacked the brokers and stated technically, 'cause this is what it comes down to, technically they are engaged in selling their illegal insurance products by teaming up with this competitor of ours. And by doing that, because they're allowing them to sell products and they're outside of the traditional regulation, it makes it illegal in that state. That's why the government sued our competitor and they exited out of New York. There's another competitor that is still not selling any additional ones but allowing its members to stay on board until their memberships expire, and then they give them a letter to say, "Now you're no longer covered in the insurance, which is a different conversation. Stan Campbell: One thing that I'm gonna fall back on again is the way that we designed our model. Our model was designed so that CCW Safe is insured through our insurance company that we own, backed by reinsurance as well. So, we have a two-layered protection for CCW Safe to help us to deal with these catastrophic events and these critical incidents in support of our benefits for our packages. Stan Campbell: So CCW Safe is the insured, we are not an insurance company. Let me say that one more time. We are not an insurance company, and we do not sell insurance policies. Our competitors do that. We are a legal service subscription plan, and we facilitate finance and coordinate all the efforts and resources associated with defending your actions in the use of force that is critical. Therefore, we are allowed to stand strong in those states because we're not doing what these other companies are doing. We are not presenting ourselves as an insurance company, nor an associate with traditional insurance product. Therefore, we are the only one standing strong in Washington State and New York. There are no other products there, just us. Stan Campbell: And there are other there other states that are doing the same thing, like California and New Jersey. So please, if you live there, pay attention to what's going on there in your legislation because they're trying to put a stop to you guys being covered as well. And then once that happens again we're going to be the only one standing strong and only ones that's going to be able they truly state that we cover everyone in 50 states. No one else in the industry is gonna be able to state that, unless they follow suit and design themselves like CCW Safe, and it takes about a year to do that. So, in that time, in the next year, we're gonna be the only organization standing strong in certain states because of the way that we're designed. Stan Campbell: You got anything to add on that, Mike? I know I said a lot. Mike: No, no. That's good. Good point. Stan Campbell: Thank you. I did my job, thank you. Mike: You did your job, and you did it well. David Darter: You did. You did it. Stan Campbell: [inaudible 00:28:28] David Darter: No, I just wanted to bring it up. That has been a very popular question. David Darter: So, one of the other questions that we get a lot of is, what is the difference between civil defense versus civil liability? So, all of our basic packages cover unlimited civil and criminal defense stemming from a self-defense incident. That covers attorneys expert witnesses, private investigators, any fees that come along; deposition fees, filing fees, trial cost, court costs, mistrials or retrials appeals, anything that has to do with your actual defense is covered unlimited on what we pay. David Darter: Now, the civil liability is a little different animal, in that your civil defense is covered while the trial is going on. After a trial, if there was a civil monetary judgment brought against you, then that's what the civil liability covers, up to $1 million dollar civil liability. And that's after a civil trial. That comes after a civil trial, and so that's what the difference is to those two. While one covers defense costs, the other one covers after a trial for any liabilities that would be brought against you. Mike: Yeah. One good point I want to bring up is, it's a dedicated one. If you have a civil liability coverage, meaning that after the trial is over and the judge says, "Okay, you're found in judgment of $1 million, if you have the civil liability protection, then that is a dedicated $1 million. So it's not a wasting policy where, if the cost of the trial was $400,000, then you have $600,000 left over. That's a wasting policy. So that's taken out of that million. Ours is the dedicated millions. So if you have $400,000 trial costs, then you still have $1 million dedicated on that civil liability policy because it's a add-on separate policy or a separate membership. So, that's just one point I wanted to make. Stan Campbell: Absolutely. Just piggybacking both of your thoughts, I want to caution everyone who hasn't made a decision to get coverage thus far. I wanna caution you to truly be careful about how some of these companies market their product. And really, at the end of the day, anybody that's watched a used car dealerships commercial or you've been up at night and, you've got, while you are punch, drunk and tired, you end up buying something from a commercial when you know you went to purchase that thing in the morning. Be cautious of the tricks that are associated even in our industry. Because some of these companies, I mean, wow, they are masterful in their marketing attempts. Stan Campbell: Some these companies spend more money on marketing than they do on their members. No, we don't. But there's a reason for that. We keep all of our resources for you guys when you need it, and of our stuff is word of mouth as well, but I want you to be careful because they use a lot of scare tactics, videos, to scare you into submission, and buying their product so that you think that the civil liability is your first fight, and it is not. Stan Campbell: I mean, if you can do any research, because part of my job is to research the industry, and in doing so, I challenge anyone listening to my voice at this time, to locate three, more than three, incidents across the nation, in the past 20 years, in which a concealed carrier has used legitimate self-defense, and has won a criminal trial, but the system allow a civil proceeding to continue and a civil suit to go through, and in that they actually lose a civil suit because, Number I, you're not gonna find too many where someone that is not or that's acquitted of the criminal charges, are not protected by the state for the civil proceedings. But you're not going to find any, unless you find it in Philadelphia. I think I found one in Philadelphia. Philadelphia is the only place that you might find one or two, where someone has won a criminal case and they lost the civil ... The civil was allowed and they lost it, and they had damages. Stan Campbell: So, I'm saying all that to say, you being sued for your use of force, if you just hit the suspect ... If you just hit the suspect, it's so small of a chance. We only deal with, to be honest with our listeners, 0.1% of our members, there are tens of thousand of them, 0.1% get involved in the deadly use of force incident. 0.1%. Less than that, 0.1% of that, will be those involved in a civil proceeding. In the seven years that we've been doing business, and we serviced a lot of members in shooting cases, We've only had one that went to the beginnings of a civil proceeding before we were able to resource it out and to negotiate it out. We have not had anyone, and we have not had to pay out, on a civil lawsuit. Stan Campbell: And we and we do the most work out of everyone. We're the only ones with a documented use of force by one of our members that went from an allegation of murder and completed an entire murder trial with the Stephen Maddox case. We're actually sitting on two other deadly force cases that we cannot mention for confidentiality reasons. But I need you guys to know that. And challenge these companies. When they tell you, "Hey, we've got a gun for you." Or, "Hey, we've got this and that," or, "We'll give you extra two months on your service if you join us now," challenge them and say, "How much work have you done? Show me. How many members have you paid out on civil cases?" They're not gonna be able to produce anything because it just doesn't happen that often. Stan Campbell: So, you guys, be careful about that because it's really tricky in the way they bring you in. Just like Mike talked about the wasting policy. Nobody really knows what that is. They think with somebody tells them that you have $2 million of coverage, you go, "Well, my God, that's twice the amount of everybody else's coverage." Well, really it's not. They're saying, out of all of the things that you can do, all of the little elements that you can use them for and you can be resourced for, that it amounts to that. The problem is, it wastes and it takes away for every dollar that you use, and it starts off with $100,000 for a retainer if you take someone's life. That's where they turn you. Stan Campbell: You can do your own independent research on this, guys. Look at the industry, check with your local criminal defense attorneys, ask anyone that has tried cases for murder, how much do they require for a retainer. And the retainer just readily, it started working. That's not all that it cost. So, I want you guys just to be mindful of that because it's scary. Stan Campbell: This is why we're so upfront with you guys and we're so truthful. Number I, we all come from a background of servicing citizens, but we like to lead with honesty, integrity, and good character, and it stands by and it supports our core values as well. So, we give you information in support of our core values. Mike: Yes. Next up, David. David Darter: Okay. So, I think next we came out with some new plans here. It was late 2017, fourth quarter of 2017, and anybody that had plans, who'd had been a member with us longer than that, you were grandfathered in with what you had. And so, basically, pretty much what happened was they just renamed the plans and made a few changes like bond amount. David Gardner: So, if you had the military law enforcement plan, which was what it was called up until 2017, and you go to the site now, what you're gonna wanna look at is the protector plan. 'Cause the difference, one of the main differences between what you have and that protector plan is the amount of the bond. Unless you've upgraded to the $1 million bond on the old plans, you're covered for $250,000 bond and the new plans cover up to $500,000 bond on the basic plans. Mike: And David, before we go any ... Or I'm gonna let you wrap this up, then I'll talk about the bond. David Darter: Okay, all right. So, if you had the military law enforcement, you would basically wanna look at the protector plan, which is the renamed plan with some changes. If you had the annual single membership, you can look at the defender plan. And if you had the dual membership, it would be either one of the protector or defender with spouse. So, we get that a lot. You are grandfathered into those. You could keep those as long as you want. A lot of members do, but you do not have to update, upgrade, or switch to one of the new plans. Stan Campbell: Yeah, and then just to cut and jump in real quick David, hey guys, remember you're allowed the grandfather in as long as your automated payment does not stop. If you're automated payment because there's a guy that they'd have to e-mail you. But there's a guy that allowed his payment to lapse back in 2018, and back then he was on the 129 payment plan, which is our old basic. He wants to get the 129 plan again, and it's just we can't do that. I mean, if you allow your payment to continue on, then you can be grandfathered in. Stan Campbell: If it does cease and you stop it, and you try to come back later, we can't give you that. We're not selling that any longer. I mean, it doesn't even compute. We can only allow it to continue. Our computer doesn't allow us to go back to that price because it's not attached any longer. You cannot get the old plans. We know what the pricing in the old plans if you did not have it and it's not a continuous cycle. That's the point of being grandfathered in. Just to let you guys know, that that came from Mike Darter. Stan Campbell: Mike Darter wanted to take care of those who wanted to hold their pricing, but at the same time, when he explains the reason for us changing the standard, which he will do in a minute, there's a reason why we did what we did and moved away from those plans. We're trying to give you guys more protection. If you don't mind, I might just jump in real quick and handle that, and we will let David finish. Mike: Yeah. So there's two things that went into this decision. One was the Maddox trial, and one was the fact that his bail was set at $500,000 just based on the fact that there was a man that was killed and he was the shooter. Didn't really take anything into effect about the case, about that it was a self-defense case. I mean, that was just based on the fact that, "Your honor, we have one dead, we have one deceased, and this man shot him." Boom! $500,000. Mike: Again, there's another- Stan Campbell: Hey Mike, also I think that was because he lived in another county. So he lived outside that county as well, is reason why. They made that soft justification 'cause it is really weak what they used that one. Mike: All right. Yeah, it was weak. There's another article that came out on priceonomics.com, and I'll try to put this in a show notes but it was on America's peculiar bail system. It came out kind of talking about the Freddie Gray in Baltimore, and some of the other cases. And it was really a kind of a more liberal piece talking about, why is bail for murder cases so much higher than the other cases? Mike: In the bail system, you have bail starting at $1,000 or so going up to, I think it was around $55,000 for most cases, felony cases, and then, I think it went up to $250,000 for rape and sexual cases, and then murder cases, manslaughter cases, jumped to $500,000 to a million. It was basically saying that the bail system is unfair, but it's just another key piece that made us realize that if we have, in the case of Steven Maddox, he had coverage for up to a million dollars bail. If he would have got that bail set at $500,000 and would have had the standard $250,000, we might not have been able to get him out of jail. Stan Campbell: Yeah. And the reason why Mike says that is because, we would pay 10% or up to 10%, which would be 25,000, and Stephen would have had to pay 25,000, which he did not have. Mike: One of the whole things that we have to worry about, that we have to kinda moderate with our members is, keeping them in the best physical, mental, and emotional shape to prepare them for that trial. We can only do so much. If somebody is in jail and cannot get out of jail, and some people think, "Well, if I could get a bond out." Well, you might bond out. The judge may say he's not issuing any bail. And in the case of Stephen Maddox, it was 30 days later. He's gonna miss Thanksgiving with his family. Mike: We were able to get that within, I think, eight days or seven days, something. But, we have to make sure that our members stay healthy emotionally, mentally, physically to prepare them for this time. Stephen went to a two-year trial process before he even went to trial. You can see from some of the videos of Stephen, there are many days that he woke up and he didn't really want to even stick around. As far as, he just wanted to just give up. He would call our critical response coordinator, which was John Risenhoover at that time, which did a phenomenal job on that. Stan Campbell: He did. Mike: He had dietary guidelines and workout regimens for Steven. So that's why we said, "If there's a case of a self-defense case that is gonna be a murder 1 charge, a murder 2 , manslaughter, it's going to be most likely $500,000 or more. Stan Campbell: Sure. Mike: And if we can better cover our members, that's why we took our bail up to $500,000 'cause we didn't wanna have to have one of our members get stuck in a situation where, based on our terms of service, that we couldn't help them and get them out. That's another reason why, if you look at our website, our whole site ... We do three posts a week. Last week, we didn't do a podcast. We kinda took a week off because we've been re-strategizing some things. This week we're back on and every Wednesday we're gonna have a podcast, or try to I can't say that we will for sure have one, but we're gonna try to do this weekly. Mike: We've been doing weekly for the last three, four months. We also have posts every Friday from Shawn Vincent and Don Weston, in self-defense, which looks at high profile cases and what they did right, what they did wrong. We also have posts by either us, or Steve Moses, or Bob O'Connor on Mondays, and all those, if you look at our site, all those are trying to help people to avoid these situations. So, if we can help our members avoid these situations and give them examples of what should be done, and we're doing the best we can to help them mitigate the risk, that they're not gonna be in a situation that is not gonna be defendable as self-defense. So that's the whole reason why we took that. Mike: I'll put that link in the show notes, it's priceonomics.com. If you search America's peculiar bail system, you'll probably get it in a search and you can look at it. It has all the kinda statistics on that. Based on that and the fact that we had our own experience with Steven Maddox is why we took that up. Stan Campbell: That's right. I couldn't say anything better than that, Mike. That was awesome. What Mike is saying ... Like I said, we invite you guys to grandfather your plans, but our new standard, and we're trying to make this to the industry's. The standard is a $500,000 bail coverage. I think there's only one other company that has matched that standard, but that's where actually they tap out. We tap out at a million dollar bank coverage. Stan Campbell: But the reason why we do that, like Mike said, we really need you guys out of jail. It doesn't help us at all for you to stay in jail. If Steven Maddox would have, and I know you didn't hear the numbers from Michael, right? If he couldn't get out of jail, please understand that's two years in jail waiting for trial. That's not where you wanna be. And for $50 or more, and that's the reason why we made the increase to 170 now, for the defender plan, you get the $500,000 coverage. Stan Campbell: So, even all of you who are coming up on your renewal date, please do, do so thinking about how should I be covered? Or do I have? Or really, you don't have to upgrade because it's really not about the money for us. We're just trying to help you. Put $25,000 aside in a savings account so that you can match our $25,000 so we can get you out of jail. And if you don't have that, like most Americans, please allow us to take the financial burden off of you. That's it. David Darter: All right. Let's move on to the next one. On the dual plans, we have quite a few people. Lot of members getting the ultimate plan now where it automatically covers a spouse. And the question that always comes up is, where do I put my wife's name and why is she not showing up on the account? David Darter: Most likely, she's there. If you go to your ... If you log into your account, or if you're in your account, and you go to My Memberships, you'll the primary membership card, and then right next to it, you'll be able to sign a second card. Now, that second card is therefore your spouse only. That's not for a friend that lives in another town or anything like that, that's for your spouse. David Darter: So, if you go to that, you'll be able to enter your spouse information and then she will be listed right there next to you. And you can look at her membership card if you like, by, I think there's a view button, or you can click on her account number that's there. But that's where you'll enter your spouse's name, and that's what that second card is for. It is for a spouse for one of the dual memberships. We have a lot of people that think that that's, "Hey can I put somebody else in there? Can I put my neighbor in there?" Whatever. That's not the case for that. It is for spouse only. You can do that under the My Membership selection under My Account on the top menu bar. Stan Campbell: That's right. David Gardner: Just like- Mike: Ultimate plan has a lot of ... If you haven't looked at that, it has a civil liability. I mean, it's our top-tier plan. It has everything available. So, if you do have a spouse, whether they just wanna be covered in the home or if they do have a permit, that would be a great plan to look at. Stan Campbell: That's right. And then also, that plan still does cover you guys for your spouse if you wanna cover her for provisional terms. She'll be covered on the provisional terms as well, but she will not be covered for civil liability. Only the primary is. Because we get that question as well. Unless you add civil liability, that's an additional $220 a year, you make the decision whether or not it's worth it. Weigh out the options of your wife. If she carries, she doesn't have as much as you do in public while you guys are together, weigh out the options whether or not you wanna pay that. We don't push that upon you. We leave it up to the member whether or not they wanna just be primary covered or not. Stan Campbell: But please understand, she is not covered, or he ... Your spouse is not covered unless you have that additional civil liability coverage. And David Darter explained that yes they do get civil defense. And although David said unlimited, sort of you guys are gonna use our words against us, what that really means is that, your defense funds are not capped for everything needed to prepare you for, or to get through trial. Because something might say there is no such thing as unlimited. There is a limit. When the trial's over, then that's over. Stan Campbell: We don't have a cut-step plan. That's one of the reasons why our defender plan, we can match against ... And that's our standard plan. Our defender plan, we can match against most companies' higher plans because we created the ultimate plan through the brilliance of Mike Darter to be the best in the nation [inaudible 00:53:59], and the most amount of benefits for the most reasonable amount of cost. So, for 4.99, you get all of that, that we give you, and it covers a lot. Stan Campbell: And people that don't understand, even those companies that they say, "You have over $2 million of coverage," but look at the coverage you have for your defense. Because if you'd only have $500,000 of coverage or less, to $250,000 of coverage, say this is worse, for your defense, when that money runs out, where do you think it's coming from? They're not gonna just say, "Hey you, I owe you. It comes from the member." So, when they say, "This is all you need," or, "You only need 20% because we're a reimbursement plan," please don't fall for that. Use your good judgment, please understand what happens in these cases, and how much money you would need. If you run out of money, if your plan runs out of money with these other companies, you're gonna pay. That's it. Stan Campbell: Now David. David Darter: Okay. All right. Next one I just wanted to touch on was credit cards. With credit cards, we have a lot of people that will have a change of address. And they change their address in their mailing address, in their profile, but because billing addresses can be different than mailing addresses, if you change your address in your profile, you'll also need to go into your billing information, which is under My Subscriptions. You can go in there. There's a Change Payment Method, you can go in and change that, and make sure you get that changed there as well. Because if you change your profile address, it does not automatically change your billing address. Stan Campbell: That's correct. David Darter: Absolutely. Stan Campbell: Yeah. The reason why they've told you guys that is because your plan is gonna fail. It is gonna fall. You went in and changed your profile, but you didn't go in and change what you need. And he's giving you that information now that let's you know, go in there and edit your credit card. Don't get mad at us because you get a failure and it has a mismatch. It's just part of the system. You need to upgrade it, just like you would at your bank. All of these need to be upgraded. And it's the same thing for us, you gotta update that information so that it doesn't fail. David Darter: And the failure is the security. Stan Campbell: Yeah, is is. David Darter: It's therefore your security. So yeah, that's just something that we don't wanna change a lot for people because they don't realize that but they can do that right there on their own account. So, I think the last thing I wanted to just touch on was our membership cards. At the end of 2017, I did a digital membership card, which is a membership card that you can download to a phone, iPhone or Android, and have it with you always on your phone. It just gives you another place to have our emergency information. David Darter: The wallet card is is not automatically sent out any longer. However, if you have to have a wallet card, then you can always request that by just sending me an email at david@ccwsafe.com, and we will send you one. But it's not an automatic thing. The digital card is a card of choice, currently. Stan Campbell: That's correct. And then, in saying that too, David, guys please remember, 'cause I know that there's some folks that either don't have a ... There's a small number of you don't have a smartphone, or you're just old school, because this is what I say all time, "I'm old school. I need something in my pocket." Even if you request one from Dave and he sends it out to you, I just wanna caution you guys again. Although we used to back when we first started ... We used to say, "Show them your CCW Safe membership card and say that you're having a lawyer on the way, we no longer do that. I mean, we put that word out a couple of years ago, that we don't want to sway a decision of a responding officer, investigator, or anyone, that you planned for this to happen. So, we don't wanna give that to them. All we need you to do is say that, "Hey, I will give you the details of this incident in the presence of my attorney, and I've already called my attorney." Stan Campbell: So, to just add another quick one before Michael closes this down, but that's also why we want you guys, don't stay on the phone with 911. Do it long enough to give them your description, that you've been attacked and you had to defend your life. You need medical and police. Get off the phone and call us. Because we do that, we tell you that for a reason. We don't want you to have to say, "Here's my card." You don't have to try to make a phone call in a police car, in front of a police car, because of the videotapes, the car cams, and anything you say in the police department as well, you don't have any expectation of privacy initially. When you make a phone call there, everything's recorded. And they wanna take you to a recorded interview room for your statement. Stan Campbell: So, please know that if you want your phone call with the lawyers to be privilege, do it prior to the officers getting there, from a safe place. Make sure that you're not in high shot of the suspect, get behind cover, and make the call. Even if there's a car or something like that. Stan Campbell: I had to add that. Sorry Mike. Mike: No, you're good. You're good. It is going on rather than an hour, so we're gonna have to turn off. Shut it down. Mike: Do we have any other questions that we wanna address today? David Gardner: I don't have any. We are constantly trying to keep questions updated on our FAQ page. So, it's always good to go look there first. I think most of our main questions that we get asked over and over are on that Frequently Asked Questions page. Stan Campbell: Hey, Mike. Can I ask? I have one more and I'll get off of it. Mike: Yeah. Stan Campbell: Just because it comes up so much. This is for those guys who really concentrate on the forums and the information they're getting about zones that say no guns. I'm gonna talk about this real quick before I have to bring it back later, 'cause I'm gonna David back. Although Dave is saying he doesn't have anything, we doesn't have time for you, he went to come back and assess for Part II. But no gun zones, if it is a felony or a misdemeanor in itself to possess a firearm at a location like a federal building et cetera, you're not covered. You're outside the scope of coverage because it's illegal to do so. You know that. Stan Campbell: If you are in a state in which it is not a misdemeanor crime to walk on to private property of someone else's, and it only becomes a crime after they tell you to leave and you refuse to do so, the crime of trespassing, if you accept that charge of trespassing you refuse to leave, you're outside of the scope of your coverage. If you agree to leave, or if they don't know that you have it and you accidentally ... Stop trying to challenge these, don't use us to challenge people. If you accidentally walk on to property and you didn't see their sign, and something happens you defend others and then they come back with a charge, and they didn't tell you to leave, we will cover you. Stan Campbell: If you will on your way out after they tell you to leave, and Al-Qaeda or ISIS comes in the front door and you handle the threat, we will cover you. So, I just want you guys to know, this is not a game for us. This is really not a Second Amendment issue. This is about using deadly force, which is not a Second Amendment issue. We're trying to protect you from yourself as well. So, please, stop trying to challenge these things and know how you're covered. Stan Campbell: Go Michael. Mike: Well, I'm just gonna say, a lot of the examples we get from people, the only answer is, "Well, that would be a challenge case and that's not what we're here for." Like Stan said, that's why we put all these case studies and stuff online, so you can see what other people have done, and what life sentences other people have gotten for what they've done, and it's just not worth it. Mike: (silence) Mike: (music)  

Show Summary: In this iPhone101 demonstration, Jeff takes us through the process to manage your subscriptions so you can change or cancel subscriptions and not be surprised by another monthly charge. There are 2 ways to Manage your subscriptions and thanks to Peggy's and Scott's feedback, an easier way is demonstrated first. Thanks Peggy and Scott!   1. Open up the App Store by tapping on the App Store icon. 2. Go to My Account. 3. Go down to Manage Subscriptions That's all there is to it. Manage away!   Be sure to check out all the iPhone101demonstrations at www.BlindAbilities.com Contact: Thank you for listening! You can follow us on Twitter @BlindAbilities On the web at www.BlindAbilities.com Send us an email Get the Free Blind Abilities App on the App Store.

Dr. Harry Ironside – Charge That to My Account   Dr. Harry Ironside – Charge That to My Account   The post JGP – 66 – Dr. Harry Ironside – Charge That to My Account appeared first on RonnieBrown.net.

In this episode: News: CreativePro Week poster contest: Win a Platinum Pass! Join over 2,000 colleagues in our Facebook discussion group InDesign Magazine: Feb 2018 issue all about color, March 2018 issue about making InDesign and Photoshop play nicely together Top InDesign Feature Requests: Adobe is listening! I See Blue Things: What are those weird squiggles and borders? Obscure InDesign Feature of the Week: Reveal Deleted Items News and special offers from our sponsors: > The InDesign Conference 2018 is June 4–7 in New Orleans, one of four back-to-back conferences in the same venue during CreativePro Week. Dozens of speakers—returning favorites and new faces—are busy prepping right now for some of the most useful and exciting presentations on InDesign you'll ever encounter. Sign up for just this conference, two of them (maybe add the Ps/Ai: Photoshop and Illustrator Conference for Designers as well?) or the whole week! Premium members of InDesignSecrets.com get a discount code worth $150 off any multi-day registration. To find the discount code, click on the blue My Account button at the top of the InDesignSecrets site and then click Benefits. Links mentioned in this podcast: The InDesign Conference 2018 agenda New speakers Bill Jelen, Khara Plicanic, and Laurie Ruhlin Win a Platinum Pass ($2495 value): CreativePro Week Poster Contest Join us in our ever-so-useful InDesignSecrets Facebook group February 2018 issue of InDesign Magazine focusses on hidden color features March 2018 issue of InDesign Magazine shows how to help InDesign and Photoshop play nice InDesign uservoice wishlist (vote for your fave!) InDesignSecret.com's poll results: Which tool to vote off the island? Here's a great use for the poor old Content Collector tool Did you know you can change the color of the Hidden Characters and frame edges?

Like most of us Tennis Parents, Lindsay Lee Waters (who also happens to be a touring pro) found herself spending an inordinate amount of time dealing with her son's junior tournament scheduling. Between searching for tournaments on TennisLink, UTR, and other sites then choosing which tournaments were appropriate given her son's current level then signing up without missing the deadline then checking every few days to see if her son got in and whether the draws had been posted, Lindsay was overwhelmed. She knew there had to be a better way. So, Lindsay and her husband, Heath, a high-performance junior coach, enlisted the help of some techies to develop an app for that. A few months later, the Match!Tennis app was born. I won't spoil the podcast by laying out all the features of the app in the show notes, but suffice it to say that if your child plays junior tennis, you absolutely have to download it. And, the fact that, as part of the ParentingAces community, you get a 30 day free trial PLUS a 20% discount makes this a no-brainer! Here's how to take advantage of the discount: 1. Go to http://matchtennisapp.com/parenting-aces/ 2. Enter promo code “acesmonth” into the promo code box during registration to get your 20% discount to a monthly Match Tennis App subscription. 3. Enter promo code “acesyear” into promo code box during registration to get your 20% discount to a yearly Match Tennis App subscription. 4. Make sure to use the correct phone number and email address during registration as you will be sent verification code to your text or email in order to secure your registration. 5. If you have any issues completing registration or need any assistance contact support@matchtennisapp.com and they will help you get squared away. 6. The discount codes are only good through July 15, 2017, so act quickly! The Match Tennis app is nationwide so every state in the US is able to use it and take advantage of the 20% discount. NOTE: You will need to put in your credit card info during registration. However, you will receive a 30 day free trial to give you time to see if the app is right for you. You can easily cancel using the desktop app before the 30 day trial ends by clicking "My Account" then scrolling to the big red "Cancel Subscription" button to avoid any charges on your credit card. Entries for the 2nd annual Sol Schwartz #SaveCollegeTennis All-In Tennis Tournament are now open. We are thrilled that Match Tennis App will be a sponsor this year! For the Atlanta tournament (July 17-19) go to http://events.universaltennis.com/tournaments/261/. For the Baltimore tournament (August 12-13) go to http://events.universaltennis.com/tournaments/336/. Also, registration for the ITA Summer Circuit is now open. Go to http://www.itatennis.com/Events/ITA_Summer_Circuit.htm for information. Visit us at www.parentingaces.com. Email me at lisa@parentingaces.com.

Are you just getting started with your Oracle HCM Cloud Service? Tune in to HCM Talk Radio to hear Oracle’s Becky Peal discuss the administrative roles and responsibilities that are necessary to effectively manage your Cloud Service.

Happy National Poetry Month from My Account of It #1 The Negro Speaks Of Rivers read by Quincy Jones for the album Poems by Langston Hughes #2 Kitchenette Building read by Gwendolyn Brooks #3 And Still I Rise read by Maya Angelou from the book And Still I Rise

In this episode: News: InDesign Tips at Adobe MAX 2015 Our latest InDesign titles at Lynda.com Gearing up for the InDesign Conference and the Photoshop Conference! Interview with Erica Gamet Publish Online feature: Pros, Cons, and more Ranting about the CC App Obscure InDesign Feature of the Week: Show Content Offset News and special offers from our sponsors: >> The Photoshop Conference, aka "The Photoshop Conference for the rest of us," is making its debut in November 16–18 in beautiful Denver, Colorado! Come and rub elbows with other designers, publishers, and production artists who want to learn from Photoshop pros like Deke McClelland, Lesa Snider, and Colin Smith.  Optional: Register for an All-Access pass so you go back and forth between this conference and The InDesign Conference, happening on the other side of the hall!  InDesignSecrets paid subscribers get $75 off registration using the code found in your Member Benefits (click "My Account" button at the top of the page). Links mentioned in this podcast: Our InDesign Conference is in Denver, CO; Nov. 16–18, 2015 And our debut Photoshop Conference is co-located there/then Anne-Marie's new Lynda.com title Designing Templates with InDesign David's new Lynda.com title InDesign Insider Training: Working with Photoshop and Illustrator All the speakers at Adobe MAX, October 4–7 2015, in Los Angeles Erica Gamet's InDesign Power Pack All about the Publish Online feature Adobe's help file for Creative Cloud App problems Download the individual app installers Rubber chicken? Our contest about the "Show Content Offset" feature Thank you to Adobe's Michael Ninness for the following examples of what folks are doing with interactivity and rich media with Publish Online! Brown University football: https://indd.adobe.com/view/3d0c6511-1f4c-4fc5-8618-3d390acf8545   John Kelly's interactive art catalog https://indd.adobe.com/view/ab79b8c6-1265-44e3-aeae-7dccfb89cd94   SHIFT online catalog: https://indd.adobe.com/view/b6413504-fc6e-422f-a2f3-b9dddca32b88   Kia SUV Sportage brochure: https://indd.adobe.com/view/a68c4aec-906a-44b8-9656-6be52fbb18be    

In this episode: News: Recording across the table from each other! (a little echo-y) Come see us at Adobe MAX David's speaking at the LA IDUG PePcon 2016: Registration is Open! The Urge to Merge: All about combining INDD files Obscure InDesign Feature of the Week: Prevent Selection of Locked Objects News and special offers from our sponsors: >> The Photoshop Conference, aka "The Photoshop Conference for the rest of us," is making its debut in November 16–18 in beautiful Denver, Colorado! Come and rub elbows with other designers, publishers, and production artists who want to learn from Photoshop pros like Deke McClelland, Lesa Snider, and Colin Smith.  Optional: Register for an All-Access pass so you go back and forth between this conference and The InDesign Conference, happening on the other side of the hall!  InDesignSecrets paid subscribers get $75 off registration using the code found in your Member Benefits (click "My Account" button at the top of the page). Links mentioned in this podcast: Our InDesign Conference is in Denver, CO; Nov. 16–18, 2015 And our debut Photoshop Conference is co-located there/then PePcon 2016 registration is open All the speakers at Adobe MAX, October 4–7 2015, in Los Angeles See Diane Burns use GREP to make a table look cool (first video on the page) Ten ways to merge documents in InDesign (CreativePro.com post) Simon Wiscombe's post on merging all InDesign files Click here to download his merge all files script! More info on Prevent Selection of Locked Object

In this episode: News: Agendas are up for InDesign Conference and Photoshop Conference Anne-Marie's new InDesign CC 2015 to EPUB video course InDesign Magazine new issues Exporting to HTML 5: New script! Interview with Bill Jelen (he's MrExcel.com) Obscure InDesign Feature of the Week: Include Inside Edges  News and special offers from our sponsors: >> The Photoshop Conference, aka "The Photoshop Conference for the rest of us," is making its debut in November 16–18 in beautiful Denver, Colorado! Come and rub elbows with other designers, publishers, and production artists who want to learn from Photoshop pros like Deke McClelland, Lesa Snider, and Colin Smith.  Optional: Register for an All-Access pass so you go back and forth between this conference and The InDesign Conference, happening on the other side of the hall!  InDesignSecrets paid subscribers get $75 off registration using the code found in your Member Benefits (click "My Account" button at the top of the page).   Links mentioned in this podcast: Our InDesign Conference is in Denver, CO; Nov. 16–18, 2015 And our debut Photoshop Conference is co-located there/then Anne-Marie' new video course, InDesign CC 2015: EPUB Fundamentals Five Shortcuts Every InDesign User Should Know August 2015 InDesign Magazine issue is about "getting HTML5 out of InDesign" Keith Gilbert's post and amazing script revealing a secret back door for HTML5 export Bill Jelen, @MrExcel is the brainiac behind the Mr. Excel web site He lays out all his Mr. Excel books in InDesign — check them out! Bill's latest book, The 40 Greatest Excel Tips of All Time, should be out soon Fun tip from his book: Try this function in Excel: =ROMAN(40) Hey we know a little about Excel too … Easier importing of complex Excel spreadsheets Drag and drop to Excel David's Joy of Pi book and web site Here's the bagel with its inside edges being included in the text wrap!    

In this episode: News: PePcon session recordings are up! New features in InDesign CC 2015 Interview with Mark Heaps Obscure InDesign Feature of the Week: Collaborate News and special offers from our sponsors: >> The InDesign Conference is coming up in November in beautiful Denver, Colorado! Come and join us for this deep dive into your favorite program, and leave with a truckload full of new tools and techniques you can apply to your projects. Optional: Register for an All-Access pass so you go back and forth between this conference and The Photoshop Conference, happening on the other side of the hall!  InDesignSecrets paid subscribers get $75 off registration using the code found in your Member Benefits (click "My Account" button at the top of the page). Links mentioned in this podcast: Get online access to PePcon videos PePcon 2015 wrap-up article Kris Coppieter's free Word Stack script Our InDesign Conference is in Denver, CO; Nov. 16–18, 2015 And our debut Photoshop Conference is co-located there/then Learn more about the Adobe InDesign CC 2015 release Rundown of new features (blog post) Installation tips (blog post) Keep an eye out for the July 2015 issue of InDesign Magazine for a feature story that goes in-depth with all the new features! The "shenanigans" thing (opening CC 2015 files in earlier versions) David's new lynda.com title: InDesign Essential Training CC 2015 Mark Heaps, Houndstooth Studio, Twitter: @lifebypixels Mark's "The Client Whisperer" Creative Keynote at PePcon 2015 Collaborate in the CC Libraries panel  

Podcast:In this video:00:31              Concentrating on Psychology of trading00:44              Understanding the whole mentality behind trading01:29              Great trade on the Euro/New Zealand Dollar on the four hour charts01:38                3.28% return on account risking just a quarter of 1% per trade02:02              Been asked to be a guest speaker for the broker City Index – 27th of Nov02:40              Japanese Yen has reached resistance against a lot of currencies03:03              Looking for resistance levels to be broken before jumping into long positions Hi everybody, Andrew Mitchem here and I am the Forex Trading Coach.Today is Friday, the 16th of November.Well we had another fantastic live trading webinar last night. And on that webinar I concentrated on the psychology of trading. Each time I have a webinar I specialized in a particular subject. I create a PDF File for my clients and then we go through a particular subject each time.The Mentality behind TradingLast night was psychology and understanding the whole mentality behind trading because obviously a lot of people want to become full time Forex traders. And like you're probably finding out it's not quiet as easy as it’s made out. But through my course I try to help my clients who want to become full time traders so we specialized in that subject last night.During the webinar I had one client who’d made a ten to one trade. Well he still had a trade open. Another client had a five to one risk to reward trade. So for the client who had a ten to one – that means he’s risking let’s say half a percent of his account -half of 1% of his account on the trade. And he’s up 5% on the open trade – that’s a fantastic risk to reward.On that webinar also I mentioned a great trade on the Euro/New Zealand Dollar on the four hour chart which made perfectly as well straight after.3.28% Return on My Account this WeekFor myself, I had a great week this week + 3.28% return on my account this week risking just a quarter of 1% per trade. So 3.28% trade return really pleased with that – if I only every week could be quite good as that! It would be fantastic! But starting a new week next week – let’s see what we can achieve there as well.Also to let you know (this is for New Zealand based clients mostly) that on the 27th of November I’ve been asked to be a guest speaker for the broker City Index who are launching into New Zealand. So I’ve got about an hour to an hour and a half presentation I’m giving for them as their guest speaker on Tuesday, the 27th of November.So if you’re around the Auckland region it’d be great to see you there.The event will be recorded so hopefully I have that on my site if obviously you're overseas and can’t make the event.Weakness in the Japanese Yen this WeekOn to the currencies themselves, we saw a lot of weakness in the Japanese Yen this week. However I did note to my clients today, Friday, that the Japanese Yen has reached resistance against a lot of currencies. However, if we see that resistance broken heading into next week, expect the Yen to weaken further so could be really good tip there in looking for trades like the Australian Dollar, New Zealand Dollar, Euro, Franc all against the Japanese Yen looking for them to increase and the Japanese Yen to decrease. But look first of all for those resistance levels to be broken before jumping in to those long positions.That’s all for now! Hope you’ve had a great week.Look forward to talking to you this time next week.

The week winds down and England are desperately disappointed in not receiving the vote to host the 2018 FIFA World Cup. Steven and Kenny will continue to give their thoughts on the voting process, corruption or no?, and also preview the weekend ahead in football. Phil Schoen, GolTV commentator, will join us for a review of the World Cup bids and "El Clasico", a game in which he commentated on. Mark Ogden, from the Telegraph, will join us to share his disappointment in England's failure to host the 2018 World Cup and look ahead to the Premier League weekend. We continue to look at the World Cup bidding process from an English perspective, by welcoming Neil Ashton, of News of the World, to the show. Nick Szczepanik will also join us for his thoughts on the biggest story in world football, and will play IKTS with everyone's favorite Aussie, Nick Mason. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We have arrived at the day of the World Cup bid winners for 2018 (Russia) and 2022 (Qatar). Steven and Kenny will discuss the winners for each World Cup, if the winning countries are the right choice to host the world's most popular sporting event, and breakdown the entire bid process. English professor, Simon Chadwick, who deals with Sports Management, will talk about the failed England 2018 World Cup bid. Alexi Lalas, former USMNT player and ESPN analyst, will give us his thoughts on the entire bid process for the USA. Tom Stannard, 442 Magazine La Liga Correspondent, will join us for a review of the Spain-Portugal bid and 'El Clasico'. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

A new week begins and we have an epic show for you today, here on World Football Daily. We at WFD would like to congratulate the Colorado Rapids for winning their first ever MLS Cup, as they defeated FC Dallas 2-1 AET at BMO Field in Toronto last night. In Europe, Chelsea continue to struggle as they were defeated for the second straight game in the Premier League (first time since 2006), allowing Manchester United, after their 2-0 win over Wigan, to move into a joint spot on points at the top of the league table. Tottenham roared back after trailing 2-0 to win 3-2 at the Emirates in a highly entertaining North London Derby. Barcelona continue to roll as they defeated Almeria by an 8-0 score and Real Madrid defeated Athletic Bilbao 5-1 to stay top of La Liga, setting us up for next Monday's El Clasico. Milan were able to extend their lead at the top of Serie A with their victory and Lazio's draw. Steven only today and he will give his thoughts on the MLS Cup final and touch on all the action from an exciting weekend in football, and preview Champions League action which returns tomorrow. Many guests to bring you today. We start with Kyle McCarthy of goal.com to give us his thoughts on the MLS Cup final and what it means for a club like Colorado to finally win their first title. We are pleased to welcome Robbie Rogers, Midfielder, Columbus Crew, to the show to discuss his team's MLS season, they were defeated by Colorado in a penalty shootout in round 1 of the MLS playoffs, and his experience playing in South Africa last week. We are pleased to welcome Steve Banyard to the show for the very first time. Steve is an English football commentator, and he will give us his thoughts on all things English football. Matthew Barker, Italian correspondent, will join us for a quick look at all things Italy. Graham Hunter will join the show once again to discuss the two big teams in La Liga, review the Spanish football weekend, and tell us what he thinks we will all see in El Clasico. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Thursday has begun here at World Football Daily and we have a whole load of guests for you today. The USMNT, with a squad that has never played together and full of youngsters, defeated their hosts, South Africa, yesterday 1-0 thanks to a goal by 17-year-old, Juan Agudelo. Agudelo became the youngest player ever to score a goal at the senior level for the USMNT. England saw defeat yesterday as they fell 2-1 to France, a brilliant stoppage time goal by Lionel Messi saw Argentina defeat Brazil 1-0 in Doha, Qatar, and World Cup champions Spain were painfully beaten 4-0 by an inspired Portuguese side. Chivas USA forward Justin Braun will join the show to discuss the disappointing season his goats had, what they plan to do rebuild his squad, and give his take on the MLS Cup final. Alex Labidou, from goal.com, will join us for a preview on the MLS Cup final, and give us his thoughts on the USA game yesterday and of Juan Agudelo. Carlo Garganese, from goal.com, will join us to discuss the Azzuri and preview the Serie A weekend. Schellas Hyndman, Manager of FC Dallas, will join the show ahead of his side's match against Colorado in the MLS Cup final. Jack Jewsbury, from the now Sporting KC, will join the show to talk about the name change in Kansas City and also give his take on the MLS Cup final. Schellas will give us the details on how his side has managed to have such a great season and how he plans to attack Colorado and bring the trophy to Dallas for the very first time. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Welcome to Tuesday here at World Football Daily. The big news story is that PSV and Barcelona have reportedly agreed a deal for Ibrahim Afellay, although nothing of yet is final, to transfer to the Catalonia club come January. Steven and Kenny will give their thoughts on this story as well as get set for international friendlies that come our tomorrow. We preview the MLS Cup final for you by bringing on Colorado Assistant Coach, Steve Guppy, to the show to discuss his team's advancement to the final and how his team plans to defeat FC Dallas come Sunday. David Downs, from the USA World Cup bid committee, will join us again to give an update on the progress the USA bid has made, and what the chances of our country are to host the world's biggest sporting event come 2012. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

A new week here on World Football Daily and we have you covered with the latest from the football world. The Conference finals are set in MLS as four teams from the Western Conference will battle it out for a chance to play for the title in Toronto. The Colorado Rapids will play the San Jose Earthquakes in the Eastern Conference final (both teams being from the Western Conference) and the LA Galaxy will host FC Dallas in the Western Conference final. Steven and Kenny will give a complete rundown from what they saw from the MLS playoffs this weekend as well as action from Europe. We are pleased to welcome Christian Seifert, CEO of the Executive Board of the Deutsche Fußball Liga. Christian will come on the show to discuss how his league, the Bundesliga, has become one of the most exciting leagues to watch in all of Europe. Jimmy Conrad will come on the show to give us his honest perspective of his view on the MLS playoffs this weekend. Ray Hudson, from GolTV, will join us to discuss all things Spanish and German football. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We begin a new week here at World Football Daily. We would like to say that our Producer, Rafael Gonzales, had a wonderful wedding ceremony yesterday and we here at World Football Daily wish him and his new wife all the best. The time zone has changed in Europe, which means the ball changes color in England, and some would signify this as the true start to the season as the league table starts to take shape. Steven and Kenny will review the weekend from all the action in Europe, the MLS playoffs, and debate whether or not Nani's goal should have been given at Old Trafford on Saturday. Dermot Gallagher, former Premier League referee, will give us his thoughts on why Nani's goal was given and discuss all other controversial referee decisions. Eoin O'Callaghan, from Fox Soccer Report, will join us for a review at the weekend in the football world. Jimmy Conrad will join us for a review of MLS playoff action this weekend. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

The end of the week is here as we get set for an exciting weekend of football here at World Football Daily. Colorado won at home to Columbus and defeated the Crew 1-0 thanks to a goal from Pablo Mastroeni. Steven returns, and he and Kenny will review yesterday's game and preview all the action for the weekend. Grant Wahl, from Sports Illustrated, will join the show to discuss the MLS playoffs by reviewing last night's game in Columbus and previewing the other three match-ups. Carlo Garganese, from goal.com, who wrote a fantastic article on the disgrace that is Diego Milito being left off the 23 man list for the Ballon d'Or, will join the show for a discussion on all things Serie A. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We are at the eve of the MLS playoffs beginning and we have you covered with all the details you need know to prepare you for your playoff watching pleasure. Cup action in Europe as Real Madrid were held to a 0-0 draw by Murcia in the Copa del Rey - more trouble for Los Merengues in their domestic cup competition. Chicharito hit a late winner as holders Manchester United were able to defeat a spirited Wolves side at Old Trafford and move on to round 5 in the Carling Cup. Steven and Kenny will touch on all the cup matches from yesterday and break down each match-up for the opening round in the MLS playoffs. Kyle McCarthy, from goal.com, will join us to give us his view on each MLS playoff match-up and break them down team-by-team. Jimmy Conrad, Defender, Kansas City Wizards, will join us to give his view on the MLS playoffs and confirm whether the name change in Kansas City is true or not. Phil Ball, from ESPN Soccernet, will join us for an update on things Spain and discuss the Copa del Rey matches. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Tuesday is here at World Football Daily. Sad news to begin with, Paul the Octopus, the famous octopus who correctly predicted eight results during this year's World Cup, has passed away. The short list for the Ballon d'Or has been announced as well, twenty-three players have made the list most of who shined at the World Cup. Steven and Kenny will debate who they think should win the illustrious individual award and preview today's Carling Cup games. After Arsenal's impressive 3-0 win over Manchester City on Sunday, we bring in the Arseblogger to discuss his team's recent good run of form and look ahead to their Carling Cup match on Wednesday v. Newcastle. Max Patrick will join us to discuss the weekend in Serie A and also discuss the shocking behavior that has been shown by fans in Italy in recent times. Leander Schaerlaeckens, from ESPN Soccernet, will join us to discuss the Bundesliga, and why he thinks it may be the best league in the world. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

The Hosted Dashboard is a great resource to check on the status of any of your OnTime accounts, as well as update licenses, personal information, and find essential information about the Remote Server and SDK components. Go to axosoft.com and click on My Account in the upper right to log-in and get access to the store.

The Hosted Dashboard is a great resource to check on the status of any of your OnTime accounts, as well as update licenses, personal information, and find essential information about the Remote Server and SDK components. Go to axosoft.com and click on My Account in the upper right to log-in and get access to the store.

Welcome to a new week here at World Football Daily. The Los Angeles Galaxy have won the MLS's supporters shield with their victory over FC Dallas: congratulations to everyone affiliated with the Galaxy. Steven and Kenny will review the entire weekend around Europe and MLS, and start previewing all the match-ups for MLS's playoffs. We are pleased to welcome Craig Burley, Premier League commentator and former Chelsea midfielder, for the very first time to discuss all the major stories circulating around the Premier League this season. Neil Ashton, from the News of the World, will join us for a complete review of the Premier League weekend. Alex Labidou from goal.com will join us for a look-ahead to the MLS playoffs. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Do make sure to join us at the Pelada screening this Thursday, October 21st, in Corona del Mar at 7pm. There will be a special introduction by one of the hosts of World Football Daily, Steven Cohen, as well as a special Q&A session with Director Luke Boughen. If you are in the Southern California area, make sure stop by and support a wonderful movie about the beautiful game. You can purchase tickets here. Welcome to the end of the week here at World Football Daily. Manchester United fans are not too pleased with their I'm-leaving-as-soon-as-I-can striker, Wayne Rooney. Last night a reported 20-30 fans were standing outside of Rooney's house and unveiled a banner saying, 'Join City & Die'. However, as of this morning, it is reported that Wayne Rooney has signed a new five-year contract to stay at Manchester United, a sensational turn of events. Steven and Kenny will have more on this story and all the other hot topics in the world of football. Rebecca Lowe from ESPN will join us to preview the weekend in the Premier League and give her view on the Wayne Rooney situation. We are very pleased to welcome USMNT and Fulham FC forward/midfielder, Clint Dempsey, to the show. Clint will discuss all manner of things from the World Cup in South Africa, to last season's Europa League run, and what is in store for this season at Fulham. For I Know The Score, we welcome back the ever hilarious Nick Mason, who will be joined by our two court judges, Matt Switalski and Marc Garcia. We welcome the vice-captain of the Montengro National Team and Midfielder for DC United, Branko Boskovic, to the show as part of premium content (will be added on at the end of today's podcast). He will discuss his club teams' disappointing season and discuss the recent match Montengro played at Wembley against England in the Euro 2012 qualifiers. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Do make sure to join us at the Pelada screening this Thursday, October 21st, in Corona del Mar at 7pm. There will be a special introduction by one of the hosts of World Football Daily, Steven Cohen, as well as a special Q&A session with Director Luke Boughen. If you are in the Southern California area, make sure stop by and support a wonderful movie about the beautiful game. You can purchase tickets here. World Football Daily returns to the studio after two days of Champions League football, and brings you many high-quality guests for you on this Thursday. Wayne Rooney still tops the headlines even though his side were victorious yesterday thanks to Nani's 7th minute goal. Gareth Bale hit a hattrick for Spurs against Inter but in the end it was not enough as the defending champions defeated the North London side 4-3. Steven and Kenny will discuss these matches and all the others as the Group Stage of the Champions League has hit the midway point. Birmingham City defender, Liam Ridgewell, will join the show to discuss all things Birmingham City. With incredible timing, Patrick Barclay, from the Times, has published his book (now available), "Football Bloody Hell", a biography on the life of Sir Alex Ferguson; and will join the show to discuss his new book and pitch for you to buy it and give his thoughts on the revelations that have surfaced over at Manchester United. Wayne Rooney is looking to invoke the Webster Ruling (see under Article 17 of FIFA's transfer regulations) where he can buyout the rest of his contract and become a free agent at the end of the season. For more on the Article 17 ruling, we bring in, Adam Whyte of Ruiz Heurta and Crespo Law Firm, to explain the ins-and-outs of the ruling. The New York Cosmos look set to be officially introduced as MLS' 20th team soon, and we have Rick Parry, Non- Executive Director on the New York Cosmo's Board, to talk all things Cosmos. We end the day with Brek Shea, defender for FC Dallas, to talk about his teams' incredible form and preview how his team will go about it come playoff time. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. We begin a new week here at World Football Daily with many stories to talk about. Steven and Kenny will give a full review of the weekend around Europe and the rest of the globe. Wayne Rooney making big headlines as rumor has it that he is none too pleased with his manager, Sir Alex Ferguson, and may make a surprise move to the blue half of Manchester when his contract expires in 18 months. The boys will be sure to assess this story and other including the Jack Wilshire tackle, Champions League preview, and many, many more. We embark on the new week with Mark Ogden of the Telegraph to discuss all things on Manchester - from the United dropping points from a winning position again, to City gaining two points on leaders Chelsea, and everything related to Wayne Rooney. Rory Smith of the Telegraph will join us to give a full breakdown of yesterday's Merseyside Derby, where it must be said that Liverpool gave a dire performance and fell victim to defeat by Everton for the first time in four years. Kris Voakes will join us once again to review the weekend in Serie A, where all the big hitters were able to hold serve, and preview the Italian teams' Champions League games this week. Matt Hermann, from DW-Radio, will join us for a discussion on all things Bundesliga.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The middle of the week is upon and we have a great show for you today on World Football Daily. Steven and Kenny will go over the many international games, England 0-0 Montenegro, Scotland 2-3 Spain, and more plus why the Italy-Serbia match was suspended. The USA meanwhile, drew 0-0 with Columbia and the hosts will surely go into depth on what happened in Pennsylvania last night. Michael Cox from Zonal Marking will join us to comment on the tactics involved during the international break. Houston Dynamo Manager, Dominic Kinnear, will join us to talk about the sub-par season his team have had. Paul Macdonald from goal.com will join us to go more in-depth on the Scotland-Spain match last night. Kris Voakes will give us more detail on why the match was suspended last night in Genoa.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The week continues here at World Football Daily and the international break has given us a full slate of games to discuss today from the European Championships qualifiers. Steven and Kenny will preview their favorite games and update you on the latest in the football world. Misha Sher from soccerex will join us once again to update the latest on the Liverpool takeover bid. Sigi Schmid, Manger of the Seattle Sounders, will join us to talk about the season his team has had - after capturing the US Open Cup for the second year on the trot - and how he thinks they will succeed come playoff time. Michael Norrish from the Telegraph will come on the show to preview England's match v. Montenegro this evening, as well as give us the latest on all other topics pertaining to the English game. Alex Dimond from goal.com will join us to discuss the ever exciting nPower Championship.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. We begin another week here at World Football Daily. Euro qualifications continued on Friday and Saturday, and the USMNT drew with Poland, 2-2, at Soldier Field in Chicago, Illinois. Steven and Kenny will round up the weekend from what they saw in the football world including: USA-Poland, Euro qualifiers, and MLS. Speaking of MLS, Kei Kamara from the Kansas City Wizards will join us to discuss his teams' season and whether or not they have a realistic chance of sneaking into the playoffs. Noah Davis, now of mlssoccer.com, will join us to discuss the playoff races coming down to the wire in MLS. Steve Tongue of the Independent will join us to preview England's game v. Montenegro tomorrow; John Terry has been ruled out of the game because of a back injury and Darren Bent has also been ruled out due to a groin injury. He will also talk about the Liverpool situation. Matt Switalski, a world soccer USA blogger, Liverpool supporter, and a judge, will join us to tell us what to expect in this weeks boardroom battle on Merseyside.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The week comes to end and the qualifying matches for Euro 2012 continue today. Steven and Kenny will preview their favorite match-ups from today and discuss the major stories in the world of football. Declan Hill, author if "The Fix", will join us to discuss the possible establishment "an International Anti-corruption Agency for Sport." Nigel Reed from CBC will join us to discuss all things MLS.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The week is winding down but we at World Football Daily continue to bring you the top news from around the world football. Steven and Kenny will give their thoughts on all the hot topics as well as look ahead to tomorrow's Euro 2012 Qualifiers. A new episode of Calcio and Coffee will be available to you all today, and for more talk on Italian football, we bring in, for the first time ever, Carlo Garganese from goal.com to discuss the Serie A and Azurri. Graham Hunter will join us to give his thoughts on Spanish football. Ian Herbert from the Independent will join us to give more insight into the Liverpool situation.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. Welcome to the Tuesday edition of World Football Daily. Steven and Kenny will go over the weekend of the leagues they didn't quite get to yesterday: La Liga, Serie A, and the Bundesliga, as well as cover the top stories from around the globe. Top football news of the day goes to Bolton striker, Kevin Davies, who was called up for England's game against Montenegro next Tuesday - and he thought it was a wind up from BBC Radio Five Live, no joke Kevin, you're in. More locker room troubles at Manchester City, as it is reported that Manager Roberto Mancini and striker Carlos Tevez have had a row. Kris Voakes will join us to talk about the big game of the Italian weekend, Inter v.Juventus, and why the game did not live up to the hype. Tim Vickery will join the boys for an update on things South American football. Phil Ball from ESPN Soccernet will join us to discuss all things Spanish football. For more on Spanish football, and specifically Real Madrid, Pablo Oolo from Marca will join us for a discussion.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. We begin a new week here at World Football Daily. Chelsea came out on top in the high-profile London Derby at home to Arsenal with a 2-0 victory, and extend their lead to four points at the top of the table. Liverpool, however, are going into the complete opposite direction after their 2-1 shock loss to Blackpool at Anfield, which currently places the Merseysiders in the relegation zone. Valencia continue to top La Liga while Barcelona were held to a draw with Mallorca. Lazio became the sole leader atop the Serie A table with a win, 1-0, over Brescia, while Inter were held to a scoreless draw at home to Juventus. Steven and Kenny will give their thoughts on the entire weekend of football from around the globe. Neil Ashton from the News of the World will join us to discuss the increasing difficulties of Liverpool, and give us his thoughts on the Premier League weekend. Kyle McCarthy from goal.com will join us to discuss the weekend in MLS, LA Galaxy with a 2-1 win over Chivas USA in the Superclasico.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The second round of the Champions League Group Stage is complete. Yesterday's results: Inter thrashed Werder Bremen 4-0 at home; Tottenham did the same to Twente on 4-1; Lyon traveled to Israel and won 3-1; Shalke got a big 2-0 win at home over Benfica; Rangers get a key home win over Turkish side, Bursaspor 1-0; Man Utd won late at Valencia thanks to Chicharito 1-0; Our buddy Rubin (Kazan) drew at home with Barcelona 1-1; FC Copenhagen went to Greece to defeat the Greek champions, Panathinaikos, 2-0. Steven and Kenny will break down each game as they saw it. Andy Brassell will join us for a complete breakdown of the Champions League from the past two days, and will also give a recap of what he has seen in the league season around Europe thus far this season. Ian Herbert from the Independent will join us to discuss the English clubs in the Champions League and give us his thoughts on the struggling Wayne Rooney. Max Patrick will join us for a look at the Italian teams in the Champions League and also give us his thoughts on the Serie A season.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. A new week here at World Football Daily coming off a weekend of some shock results. Chelsea, Arsenal, and Tottenham all losing, while Manchester United were held to their third straight draw on the road this season. Lazio climbed to the peak of the Serie A table, while Valencia went top in La Liga. New York Red Bulls were able to get a big road win on Friday as they defeated the LA Galaxy 2-0 at the HDC. Steven and Kenny will break down all the action from a very exciting weekend in the world of football. Andy Dunn from the News of the World will join us for a complete recap of the Premier League. Jimmy Conrad, Defender for the Kansas City Wizards, will join us to give his thoughts from his teams' defeat to FC Dallas this weekend.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The end of the week is approaching and what a fascinating day of football yesterday, especially in the Carling Cup. Premier League leaders Chelsea fell 4-3 to Newcastle in an instant cup classic. Chelsea trailed 3-1 in the second half and went down to ten men through injury. They fought back resiliently to level the scoreline before Shola Ameobi (Ambeoi-like) headed in the winner from a corner. Not a good time to be a supporter on Merseyside. After Everton crashed out to Brentford on penalties the day before, the red half of Merseyside also fell on penalties, this time to Northampton Town. But England wasn't the only action from yesterday: Cesena finally lost, Inter moved top, Roma lost again, and Milan found themselves in another 1-1 scoreline. Yes, there was even a thriller in MLS when Josh Wolff scored for Kansas City in the 96th minute to defeat Houston 4-3. Kris Voakes will join us live from the Juventus match and give us his thoughts on all things Serie A. Neil Ashton from the News of the World will join us for a review of a fantastic day in the Carling Cup. James Park and David Chattaway from Brand Finance will join the show to discuss the various financial troubles throughout the world of football. They will also go over the list their company made on the top ten football clubs value based on brand. Jeff Carlisle from ESPN Soccernet will join us to give a review of MLS midweek action and also preview the marquee match-up on Friday between New York and LA.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The middle of the week is here and World Football Daily brings you the latest. In Carling Cup action yesterday, Arsenal exploded in Extra Time to defeat their North London rivals, Tottenham, 4-1 AET. But there was also a shock, Everton continued their dismal start to the season with a 4-3 penalty shootout loss to League One side Brentford. Real Madrid defeated Espanyol 3-0 in a game that featured three red cards given. Steven and Kenny will debate the hottest topics in the game and give their thoughts on all the midweek action. Tom Dart from the Times will join us for complete coverage of the Carling Cup and the rest of the English football world. Paul MacDonald from goal.com will join us to discuss the midweek action in La Liga. New York Red Bulls play the LA Galaxy in the marquee match-up in MLS on Friday, unfortunately Thierry Henry reportedly will not be able to play due to injury; Jack Bell from the New York Times will join us to preview this match.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. We continue to bring you quality shows here at World Football Daily. The Carling Cup gets underway and brings us a very interesting match up in the form of the North London Derby. Steven and Kenny will give a rundown of the MLS weekend and also preview some of the Carling Cup games that take place today. A couple MLS players will join us today; first, Heath Pearce, Defender of FC Dallas, will join us to discuss the continuing hot form of his Dallas side and what the secret behind it is. Nat Borchers will join us to discuss how his Real Salt Lake side are playing at the moment readying for the MLS playoffs. Kyle McCarthy from goal.com will join us for a complete rundown of the MLS weekend. Keith Harris, Chairman of Seymour Pierce financial firm, will join us to discuss the latest in Liverpool's financial situation.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. Another week begins here at World Football Daily. Another exciting weekend footballing action around the globe and Steven and Kenny will be sure to review all the biggest matches. In England, Chelsea remained perfect, Dimitar Berbatov defeated Steven Gerrard 3-2, and Arsenal gave up a late lead, which resulted in more complaining from Arsene Wenger. In Spain, Barcelona won at Atletico Madrid in a highly entertaining 2-1 win, however, Lionel Messi was stretchered off in stoppage time; Real Madrid won for the second straight week thanks to a late free kick goal from Cristiano Ronaldo. In Italy, Inter ended Palermo's long unbeaten home run thanks to a brace from Samuel Eto'o and are now tied at the top with the early season surprise, Cesena. Ray Hudson from GolTV will join us for a complete La Liga weekend review. Phil Bonney will join us to discuss the weekend in Germany. Oli Kay from the Times will join us for a complete weekend review from England. Paul Visca will join us for a look back at the Serie A weekend.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The end of an eventful week is upon us and we get set for more great football action on the weekend. Steven and Kenny will preview all the big matches that are taking place this weekend. Nick Mason will be back on for I Know The Score - sure to be hilarious. Misha Sher of Soccerex will join us to discuss the latest in the financial world focusing on the goings on at Liverpool. Steve Tongue from the Independent will join us to preview the Premier League weekend, especially the tasty encounter between Manchester United and Liverpool. We welcome a new guest to WFD, Matt Hermann, Sports Editor for DW-Radio, to discuss all things Bundesliga. Another new guest, Isaiah Cambron, New York Barcelona blogger, will join us to talk all things Barcelona and preview the rest of the La Liga weekend. Kris Voakes will join us again for a preview of the Serie A weekend.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. Welcome to the Thursday edition of World Football Daily. Matchday 1 of the Champions League is complete with very few surprises. Yesterday's action saw Zlatan Ibrahimovic grab a brace and end Milan's six game winless streak at home in the Champions League; Arsenal looked impressive, especially Cesc Fabregas, as they brushed aside Portuguese side Braga 6-0; Premier League Leaders and defending champions Chelsea went away to MSK Zilina and through a Man-of-the-Match performance from Nicolas Anelka, playing centrally in place of the suspended Didier Drogba, they were able to win comfortably 4-1; Jose Mourinho took charge of his first Champions League match in charge of Real Madrid and came away with a 2-0 win over Dutch side Ajax at the Bernabeau. Other results: Bayern Munich 2-0 Roma; CFR Cluj 2-1 FC Basel; Olympique de Marseilles 0-1 Spartak Moscow; Shaktar Donetsk 1-0 Partizan Belgrade. Steven and Kenny will give their complete thoughts on the first match day of the new Champions League season. After recording the biggest win in the first round of matches, we bring the Arseblogger to discuss his teams' performance last night and also discuss the domestic season his Gunners are having, and hope for. Michael Cox of zonalmarking.net, will join the boys to discuss the tactics used by the various managers during the opening round of fixtures in the Champions League. We welcome a new correspondent to the program, Leander Schaerlaeckens from ESPN Soccernet, to discuss his latest story. We welcome back Matthew Barker (Serie A correspondent) to discuss the Italian teams in the Champions League.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. WFD returns to studio in anticipation for another day of Champions League football. Yesterday's action saw newcomers to the competition Tottenham battle out a 2-2 draw with Werder Bremen; in the same group, defending champions Inter Milan drew with the same scoreline away to FC Twente. Barcelona showed their credentials for recapturing the Champions League trophy with a 5-1 demolition of Panathinaikos, with a possession percentage of a remarkable 74%. The so-called 'Battle of Britain' bored everyone with a 0-0 draw where Rangers went to Old Trafford with their mind set on defeat but came away from Manchester with a point. Other results: Benfica 2-0 Hapoel Tel Aviv; Lyon 1-0 Shalke; Bursaspor 0-4 Valencia; FC Copenhagen 1-0 Rubin Kazan. Today brings the second half of Matchday 1 where the likes of AC Milan, Real Madrid, Bayern Munich, Chelsea, and Arsenal get their Champions League campaigns running. Steven and Kenny will give a rundown on yesterday's action and preview today's match-ups as well. Phil Ball from ESPN Soccernet will join us to discuss Valencia's and Barcelona's mathces yesterday and preview Real Madrid's match today. We will get the thoughts of Mark Ogden from the Telegraph on the match at Old Trafford last night between Manchester United and Rangers. Nigel Reed from CBC Sports will join us to discuss the firing of Preki and Mo Johnston at Toronto FC and what it means for the club.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. A new week has begun on World Football Daily and so much action to cover. AC Milan fall on the road to Cesena and Barcelona suffer a shock defeat to newly promoted Hercules at home. Everton may have given us the best comeback of the season all ready with their incredible fightback against Manchester United in which they scored twice in injury time. Steven and Kenny will give us their thoughts on all the weekends action. Pablo Oolo from Marca will join us for a weekend review of La Liga. We welcome a new correspondent to WFD, Phil Bonney, who will join us to discuss all things German football. Another new guest, Andrea Canales of goal.com, will join us to discuss all things MLS. Max Patrick, who commentated on the Milan match this weekend, will join us to discuss that match and much more on Serie A. Former Premier League referee Dermot Gallagher will join us to discuss all the controversial decisions from this weekend in the Premier League.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. For today's Daily Wrap, we bring you a clip from our favorite weekly segment, I Know The Score.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. Another fantastic show of World Football Daily with a special guest, Sir Harvey Cohen. That's right, Steven's father will join the boys in studio to give us thoughts in his own special way. Domestic football is back in business and Gerrard Houllier has officially signed on as the new Aston Villa boss. Very MLS centric with the guests today; Sigi Schmid, Manager of the Seattle Sounders, will join us to discuss his team making the final of the Lamar Hunt U.S. Open Cup for the second straight year, and will also be defending their title, facing the Columbus Crew and we will get his thoughts on how his Sounders have played during the regular MLS season. FC Dallas are arguably the hottest team in the league at the moment and we welcome their coach, Schellas Hyndman, to the program to discuss his teams' success. We are pleased to welcome Ryan Smith, Midfielder of the Kansas City Wizards, to the program to discuss his career which started with Arsenal at the age of 16. He also played for: Leicester City, Derby County, Millwall, Southampton, and Crystal Palace before joining the Wizards earlier this year; we will get his thoughts on the difference from the English game to the American game, most specifically what has surprised him about the standard of play in MLS.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. We continue the week with another fantastic show for you today. Gerrard Houllier is reportedly close to signing a two-year deal to become the new manager of Aston Villa; Steven and Kenny will give their thoughts on this proposition and also review yesterday's 2012 Euro qualifying. Kyle McCarthy from goal.com will join us for a complete rundown of the MLS weekend. Derek Rae from ESPN UK will join us to discuss the upcoming Champions League group stage and the Euro's. We are pleased to welcome back to WFD, Tommy Smyth, of ESPN, to discuss the world of football.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. We begin, although a bit belated, a new week here at World Football Daily. Steven and Kenny will have all the details from what they saw on Friday in the 2012 European Championship Qualifiers. Wayne Rooney has been in the press for all the wrong reasons this week and the boys will weigh in with their thoughts on that one as well. For more on the Wayne Rooney story and everything else English football, we turn to Neil Ashton from the News of the World for all the coverage. Once again we welcome a new guest to the show, Graham Smith, former Goalkeeper for Notts County and West Brom (and others), to give us his stories from his playing days.

Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. Welcome to another edition of World Football Daily. Euro 2012 qualifying is this week and Steven and Kenny will start there discussion of these international matches and continue to discuss the end of the transfer window. We welcome a new guest to the show, Paul MacDonald, as a Spanish correspondent and he will give us his thoughts on the opening weekend in La Liga and how the Spanish teams did in the transfer window. For an update on the nPower Championship, we bring in goal.com's Alex Dimond to discuss all things in England's second division. Mark Ogden from the Telegraph will join us to discuss the end of the transfer window in England and the upcoming Euro qualifiers for the English national team.

The middle of the week is here and plenty of news to discuss. The transfer window has come to a close with deadline signings such as: Robinho to Milan, Paul Konchesky to Liverpool, Alekander Hleb to Birmingham (season long loan), Klaas Jan Huntelaar to Schalke 04, and a whole host of others including Rafael Van der Vaart to Tottenham for a mere 8 million pounds - Steven and Kenny will have more on these stories. Our other top story, Bob Bradley has signed a four year contract extension to stay on as the manager of the USMNT and we continue the debate of whether it was a good decision by the USSF or not. A guest-filled show to bring you today. We start with Grant Wahl from Sports Illustrated who will join us to give his thoughts on the Bob Bradley situation. For more on Bob Bradley, we go to Noah Davis of goal.com. Michael Cox from Zonal Marking will join us to discuss tactics from all the big games around the world, and to take a wee break from deadline day and Bob Bradley. We welcome, for the first time to World Football Daily, a new Serie A correspondent, Matthew Barker, who will discuss the first weekend in Serie A, Inter's 0-0 draw with Bologna, and deadline day in Italy. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

The week continues and World Football Daily continues to bring you the best coverage from the world of football. The transfer deadline is soon coming to a close and Steven and Kenny will bring you the latest news from the transfer market. USMNT news: Bob Bradley has signed a four year contract extension that will keep him at the helm of the USMNT through the 2014 World Cup in Brazil; Steven and Kenny will be sure to voice their opinions on this story. Kyle McCarthy from goal.com will join us to discuss the resigning of Bob Bradley as National Team manager (read his latest article on Bob Bradley under our 'latest articles' section). Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We begin a new week here at World Football Daily. Seemingly hapless Wigan strolled into White Hart Lane at the weekend and claimed the shock result of the Premier League weekend, defeating Spurs 1-0. Carlos Tevez has submitted his claim for miss of the season after missing a gaping net in Manchester City's 1-0 loss to Sunderland thanks to a Daren Bent penalty in stoppage time. Steven and Kenny will be sure to discuss the Premier League weekend as well as the kickoffs for La Liga, Barcelona comfortable 3-0 winners over Racing Santander and Real Madrid drew 0-0 in Jose Mourinho's first match as manager of Los Merengues, and Serie A, Juventus continued their struggles with a 1-0 defeat away to Bari, Milan ran out comfortable 4-0 winners over Bari, and Sampdoria, fresh from their defeat in the Champions League playoff v. Werder Bremen, bounced back and won 2-0. Raphael Honigstein from the Guardian will join the boys for a complete review of the Bundesliga weekend: Michael Bradley's Monchengladbach 6-3 winners over Leverkusen in a barn burner. We welcome CBC Sports writer Nigel Reed to the program for the first time to get his take on the football world. We will get the thoughts of Real Salt Lake manager, Jason Kreis, on the horrible pitch conditions his team had to play in down in Mexico City midweek, and if he thinks his side can catch the Galaxy for first place in the Western Conference. For a complete Serie A weekend review, we bring in Kris Voakes to break down all the action from Italy. Don't forget to show your support for the only club who's season never ends! Click Here to renew your yearly subscription by clicking on the link. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

The end of the week is upon us and the draw for the Champions League is out. Looks as though the top three teams in England have a favorable draw along with Barcelona. Defending champions Inter have a more difficult group than they would have looked for at the outset as they look to defend their title. Ac Milan and Real Madrid meet in the group stage for the second straight season and both will hope of a repeat of one year ago where both teams advanced to the knockout stage. Steven and Kenny, with more time to think about it, will give their thoughts on the Champions League draw and also the upcoming weekend in football - La Liga and Serie A get underway this weekend. Don't forget, Nick Mason will join the boys for the weekly I Know The Score segment, always good to have everyone's favorite Aussie on the show for his comedy. Rebecca Lowe will join us to give her thoughts on the new Premier League season and all other hot topics surrounding the English game. Andy Brassell joins us for a quick look around of all things European football. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

The Champions League playoff round has come to a conclusion and Tottenham, Auxerre, Ajax, FC Copenhagen, and MSK Zilina have added their name into the four pots for today's Champions League group stage draw. Steven and Kenny will be in early to do a mock draw of their own and then, during the show, will reveal the draw that matters and the match-ups that come with it. Phil Schoen from GolTV will join us for a LA Liga preview and we will also get his thoughts on the Champions League draw. Sam Wallace from the Independent will join us to give his thoughts on the Champions League draw and how the English teams will fair, and the start of the Premier League season. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We are in the middle of the week and right after an enthralling day in the Champions League yesterday with Werder Bremen, FC Basel, Hapoel Tel Aviv, Partizan Belgrade, and Braga all going through to the group stages. Steven and Kenny will review yesterday's exciting matches the pick of the bunch being Anderlecht v. Partizan and Sampdoria v. Werder Bremen; Sevilla-Braga also exciting with loads of goals and an upset result. Steven and Kenny will also preview the five matches taking place today, and at the end of the day (the most overused cliche in all of sports) we will know the last five teams to qualify for the group stage of the Champions League. Tottenham look to advance through to the knockout stages as they play Young Boys of Bern trailing 3-2 on aggregate; we welcome Nick Szczepanik, who is covering the game in London tonight, to give us a full preview of the Spurs' match. Serie A starts on Saturday and we will get the thoughts of Max Patrick on the new season and his breakdown of Sampdoria yesterday v. Werder Bremen. Jimmy Conrad, Defender of the Kansas City Wizards, will give us his thoughts on the state of the USMNT and Bob Bradley, and also his season and club's chances of making the playoffs. Keith Harris, Chairman of Seymour Pierce Investment Firm, he is also on Sky Sports from time to time, will join us for the first time to discuss the possible takeovers of Blackburn Rovers and Liverpool. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

As the week moves along, we continue to give you the best football coverage. Manchester City showed their mettle yesterday dismantling Liverpool 3-0 yesterday at Eastlands. Title contenders? Steven and Kenny will continue to debate the hottest topics and give the latest transfer rumours running about: Squillaci looks set to move to Arsenal. La Liga kicks off this weekend, and with a full Spanish season preview, we turn to Graham Hunter to preview the season as he only knows how. Ian Chadband from the Telegraph will join us to discuss the start of the Premier League season and who he thinks is leading the sack race. Noah Davis of goal.com joins us for the very first time to discuss all USMNT news and whether or not Bob Bradley should take the Aston Villa job. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We begin another week full of football coverage here at World Football Daily. Three 6-0 scorelines dominated headlines from the weekend in the Premier League as Arsenal, Chelsea (for the second straight week), and Newcastle all enjoyed the comfortable win margin. Manchester United dropped their first two points of the campaign after failing to hold a lead late on a Hangeland goal from a corner late on. Barcelona defeated Sevilla 4-0 at home to win the Spanish Super Cup in come from behind fashion, winning 5-3 on aggregate thanks to the help of a hattrick from Lionel Messi. In the Supercoppa Italiana, Inter added another trophy to the ol' cabinet by defeating Roma 3-1. We are pleased to welcome Nottingham Forest Manager, Billy Davies, to the program (Notts Forest drawing with Reading 1-1 at the weekend). We will discuss with Billy: the new season campaign, whether or not his team can achieve promotion, and if he is going to make any last-second transfers before the window closes. We then welcome Neil Ashton, of the News of the World, to review the Premier League weekend, and also get his thoughts from his latest article (see below under 'latest article' on the website) that Martin O'Neill may take the post at Nottingham Forest -- the same post Billy Davies currently holds. Should be interesting. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts. The re-uploaded show.

The end of another week is upon us here at World Football Daily, but we still bring the top-quality show you deserve. Neymar has reportedly signed a new deal with his Brazilian club, Santos, which should halt the pursuit of the 18 year old by Chelsea. Steven and Kenny will review select games from yesterday's Europa League (Mario Ballotelli scoring his first goal for Manchester City in his debut, then going off injured). We welcome a new guest to World Football Daily, Kyle McCarthy, of goal.com, to preview the MLS weekend and get his thoughts on the USMNT. We welcome Richard Whittle back to the program to discuss all things Serie A and preview the Supercoppa Italiana between Inter and Roma. We are pleased to be joined by Ian Darke to preview the EPL weekend and reminisce his coverage for ESPN during the World Cup. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

As the week starts to come to a close, World Football Daily keeps giving you the football coverage you need. Another day of fantastic Champions League action yesterday and Steven and Kenny will review the big games and start looking towards the second legs in the playoff round. Arsenal have a new fan share program they are starting, and for more on that, and all other goings on in the business side of the game, we bring in Misha Sher of Soccerex to explain it all. Internacional were crowned Copa Libertadores champions yesterday with their 5-3 aggregate victory over Mexican side Chivas de Guadelajara. Tim Vickery will join us to give his breakdown of the game and all other top stories coming from South America. The Bundesliga gets underway this weekend, and we bring in our German Correspondent, Ben Gladwell, to give us a full Bundelisga season preview. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

We have hit the middle of the week here at World Football Daily. Tottenham waited a long time to finally participate in the Champions League and the were taught a tough lesson last night after falling 3-0 down to BSC Young Boys before the half hour. They clawed their way back scoring twice and ultimately losing 3-2 which puts them in decent shape to advance to the group stage with a Wednesday match-up at White Hart Lane. Steven and Kenny will give their analysis on the five games from yesterday's Champions League playoff games. Craig Bellamy has joined his boyhood club Cardiff City and we welcome their manager David Jones to the program to discuss their most recent signing and also how he see's his team fairing this season. Can they promote to the Premier League? Steve Tongue from the Independent will join the boys to discuss the English game and what he saw from Tottenham in Bern last night. The Serie A season is just around the corner and we are pleased to welcome back Italian Commentator, Paul Visca, to give us his Italian league preview. USMNT midfielder Alejandro Bedoya will join us to discuss the USMNT and the Bob Bradley saga, and also his current season in Sweden. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Welcome to Tuesday here at World Football Daily. And the Champions League returns today with the playoff round. In MLS news, former Barcelona, Manchester City, Hull City, and others, player, Geovanni, has signed as the first DP for the San Jose Earthquakes - another high profile signing by our domestic league. Mesut Ozil has officially signed with Spanish Giants Real Madrid and James Milner looks set to finally be playing at Eastlands this season. Steven and Kenny will preview the big Champions League games for today and also discuss MLS at length today. Grant Wahl joins us to discuss the new Earthquake signing amongst the other major MLS stories, and his thoughts on the Bob Bradley situation. Continuing with the MLS theme, we bring in former Rangers and Chelsea player, John Spencer, just named manager of expansion side Portland Timbers, to the program to discuss his past playing days and what he plans to do with his new side as they get set for their first ever season next year. Welcome to World Football Daily for the first time, Pablo Oolo from Marca who will give us the breakdown of the Ozil signing. Don't forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.

Welcome to yet another week of World Football Daily. The football season edges ever-closer to being in full swing with the Premier League kicking off and the Spanish Super Cup playing leg 1 this weekend, which Sevilla defeated Barcelona by a 3-1 scoreline. The defending Premier League champions, Chelsea, kicked off their campaign with a statement-winning performance, 6-0, over West Brom; Tottenham and Manchester City played to a scoreless draw and Joe Hart was the standout Man-of-the-Match; Pepe Reina conceded an own-goal in the 90th minute to drop two points against Arsenal in which the Anfield side played very well with only 10 men for half the game after new signing Joe Cole was sent off for a rash challenge. But the biggest story from the opening weekend may be that newly-promoted side Blackpool, virtually everyone's favorite to finish bottom, defeated Wigan Athletic at the DW Stadium 4-0. Steven and Kenny will have more on these stories and much more. Michael Norrish from the Telegraph will join us to give his thoughts on the opening weekend of the Premier League. Manchester United host Newcastle today, which will complete the opening round of fixtures, and we have Mark Ogden of the Telegraph - live from Old Trafford - to preview the game for us. And we don't just stop with one correspondent from Old Trafford, we have Oli Kay from the Times to preview tonight's game and review the opening weekend. Dont forget to show your support for the only club who's season never ends! Renew your yearly subscription by following the link listed in the alert at the top of the home page for World Football Daily. On the "My Account" page, click on the "Extend WFD Membership" under the Account tab and follow the prompts.