Podcasts about Overdraft

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Herb Weisbaum, The ConsumerMan and Contributing Editor at Checkbook.org, joins Jon Hansen to discuss the latest banking news regarding overdraft fees and late credit card fees.

In a recent decision, the U.S. Senate voted 52-48 to overturn a rule from the Consumer Financial Protection Bureau that would have capped overdraft fees at big banks to a reasonable $5. Instead, banks are now permitted to charge fees upwards of $35 per transaction. This vote has been characterized by advocates as a $21 million gift to big banks at the expense of working families. The Consumer Financial Protection Bureau had aimed to address regulatory gaps exposed by the 2008 financial crisis. Nationally syndicated columnist Charlene Crowell shares more information on today's Rhythm & News podcast. Interview by Chris B. Bennett.

Hosts: Erin Rider and Rusty Cannon  Shortly after passing the budget bill this morning, the House also voted on the SAVE Act. Formally titled the Safeguard American Voter Eligibility Act, the bill requires proof of citizenship in federal elections. It also sets standard for voter roll purges. Two other major pieces of legislation passed the House yesterday: a bill limiting the power of federal district judges to make rulings affecting national things and another overturning bank overdraft fee limits put in place by the Biden administration. 

If you've bounced a payment in your checking account and forked out a 35-dollar overdraft fee, stay tuned -- we have some more bad news for you ...The House voted Wednesday night to overturn regulation from the Biden administration limiting banking overdraft fees to $5. The argument against the regulation was that it stifled competition in banking and would force them to stop offering overdraft protection entirely. We discuss this regulation and how it affects the average Utahn who is living paycheck to paycheck.

This podcast segment covers the Senate's pushback on the CFPB's overdraft rule, ongoing leadership changes at the Bureau, and renewed efforts to regulate trigger leads at the state level amid broader industry uncertainty.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

This Day in Legal History:  Wong Kim Ark becomes Wong Kim ArkOn March 28, 1898, the U.S. Supreme Court issued a landmark decision in United States v. Wong Kim Ark, affirming that a child born in the United States to Chinese immigrant parents was a U.S. citizen by virtue of the Fourteenth Amendment. Wong Kim Ark was born in San Francisco in 1873 to Chinese nationals who were legally residing in the U.S. but ineligible for naturalization due to prevailing immigration laws. After a visit to China in 1895, he was denied re-entry on the grounds of the Chinese Exclusion Act, which severely restricted immigration from China and barred Chinese nationals from becoming citizens.The Court rejected the government's argument that children of Chinese immigrants were not subject to U.S. jurisdiction and thus not entitled to birthright citizenship. In a 6–2 decision, the Court held that the Fourteenth Amendment guaranteed citizenship to nearly all individuals born on U.S. soil, regardless of the nationality or immigration status of their parents. This decision established a major precedent for interpreting the Citizenship Clause of the Fourteenth Amendment and reinforced the principle of jus soli, or right of the soil.The ruling came during a period of intense anti-Chinese sentiment, when the Chinese Exclusion Act of 1882 and its extensions aimed to restrict Chinese immigration and civil rights. Wong Kim Ark was a significant rebuke to efforts that sought to limit the constitutional rights of U.S.-born children of immigrants, and it laid the foundation for future interpretations of birthright citizenship.The Senate's vote to repeal the Consumer Financial Protection Bureau's $5 cap on overdraft fees is a clear signal: protecting bank profits matters more to Senate Republicans than shielding consumers from predatory financial practices. With a 52-48 vote, Republicans—joined by only one Democrat—moved to dismantle a regulation designed to curb exploitative overdraft charges that routinely hit working-class Americans the hardest.This isn't a technical policy disagreement—it's a choice to side with an industry that routinely charges Americans up to $35 for covering small shortfalls, even when the overdrafted amount is often less than the fee itself. The CFPB's rule was narrow, targeting only large banks and credit unions with more than $10 billion in assets, and still allowed higher fees if justified by actual costs. It was a modest, evidence-based consumer protection measure.The financial industry's immediate lawsuit and the GOP's use of the Congressional Review Act to kill the rule reveal the coordinated effort to preserve a lucrative revenue stream. The overdraft fee fight is just one piece of a broader Republican strategy to roll back protections the CFPB has implemented—protections meant to hold powerful financial institutions accountable.No one should mistake this vote as anything other than what it is: an effort by Senate Republicans to keep consumers on the hook, ensuring that banks and credit unions can continue bleeding them dry in the name of "choice" and "flexibility"—buzzwords that conveniently mask an enduring deference to corporate power. They'll couch these kinds of moves in language of fairness–pretending they ensure lower-income consumers are given access to these financial instruments. A moment's reflection, however, makes it clear that even under their best dressed reasoning they're looking to enable banks to charge exorbitant fees to account holders in precarity. Senate Votes to Repeal CFPB's $5 Cap on Bank Overdraft Fees (1)Yesterday, President Donald Trump issued an executive order against the prominent law firm WilmerHale, following its connections to Robert Mueller, the former special counsel who led the investigation into Russian interference in the 2016 election. The order directs federal agencies to cancel contracts with WilmerHale's clients, revoke lawyers' security clearances, and restrict access to U.S. government buildings. This is part of a broader strategy targeting law firms with ties to Mueller's investigation, including Perkins Coie, Paul Weiss, and Jenner & Block.Trump criticized Mueller's investigation as an example of government overreach, labeling it as politically motivated. In addition to its ties to Mueller, Trump also accused WilmerHale of discriminatory practices in its diversity programs, echoing similar claims against other law firms earlier this month. The firm, which has a long-standing history of handling high-profile cases, responded by labeling the order unlawful and vowed to seek appropriate remedies.WilmerHale, a major player in litigation with over 1,100 lawyers, represents a variety of high-profile clients, including Gilead, Comcast, and Meta Platforms. The firm has also been involved in cases challenging actions taken by the Trump administration, fueling further tensions. Notably, Trump also targeted other firms for their involvement in the Russia investigation and opposition research, but some, like Paul Weiss, have managed to have orders rescinded by agreeing to specific terms, including providing legal services aligned with Trump's agenda.Trump Hits WilmerHale With Executive Order Over Mueller Ties (2)Trump targets another law firm, citing ties to Robert Mueller | ReutersA federal judge has temporarily blocked the Trump administration from enforcing a Labor Department rule that would force grant recipients to abandon their diversity, equity, and inclusion (DEI) programs. The decision, issued by U.S. District Judge Matthew Kennelly in Chicago, halts a two-week enforcement window of a January executive order that required organizations receiving federal funds to certify they don't operate any DEI initiatives—even those unrelated to their grants.The case was brought by Chicago Women in Trades (CWIT), a nonprofit that trains women for skilled labor jobs and receives federal funding. The judge sided with CWIT's argument that the DEI restriction violates First Amendment protections, noting that such a rule could pressure grantees into self-censorship. Kennelly also blocked the Labor Department from terminating CWIT's funding under Trump's directive to eliminate “equity-related grants,” though this protection applies only to CWIT and not nationwide.Kennelly's order represents a legal pushback against Trump's broader effort to dismantle DEI initiatives across government agencies and contractors. While a federal appeals court recently upheld a temporary ban on DEI programs in federal agencies and contracting businesses, this ruling suggests courts may scrutinize how far the administration can go in policing DEI-related activity outside direct federal oversight.The ruling underscores an emerging legal battleground over free speech, anti-discrimination law, and the limits of executive authority in regulating DEI efforts.Judge blocks Trump's Labor Department from requiring grant recipients to abandon DEI | ReutersA federal judge has ordered the Trump administration to preserve Signal messages exchanged by top officials regarding planned military strikes in Yemen. The messages, inadvertently shared with a journalist from The Atlantic, revealed internal discussions involving Defense Secretary Pete Hegseth and CIA Director John Ratcliffe about timing and targets of attacks against the Houthi militant group. U.S. District Judge James Boasberg's ruling mandates that all Signal messages sent between March 11 and March 15 be retained by the agencies involved.The order came in response to a lawsuit filed by American Oversight, a government watchdog group, which argued that the use of auto-deleting messaging apps like Signal violated federal record-keeping laws. The lawsuit doesn't focus on the national security aspects of the disclosure but rather on the legal obligation of government agencies to preserve official communications.The controversy deepened after Attorney General Pam Bondi publicly criticized Boasberg, accusing him of political bias and claiming he was attempting to obstruct Trump's agenda. Trump himself has previously called for Boasberg's impeachment after the judge blocked a deportation policy targeting Venezuelan migrants—an action later upheld by an appeals court.The White House has not commented on the matter, but the episode has sparked scrutiny over the administration's handling of sensitive military planning and whether efforts to bypass official communication channels undermine transparency and accountability.Judge orders Trump administration to preserve Yemen attack plan messages | ReutersThis week's closing theme is by Sergei Rachmaninoff.This week's closing theme is one of the most beloved and instantly recognizable moments in all of classical music: Variation XVIII from Rhapsody on a Theme of Paganini, Op. 43 by Sergei Rachmaninoff, in a solo piano arrangement by Schultz. Rachmaninoff composed the Rhapsody in 1934 during his later years in exile from Russia, blending his romantic sensibilities with virtuoso brilliance. The work is a set of 24 variations on the 24th Caprice by Niccolò Paganini, itself a legendary theme known for dazzling technical demands.While most of the piece is fiery and rhythmic, the 18th variation stands apart—lyrical, sweeping, and emotionally expansive. In fact, it's a musical inversion of Paganini's theme, reimagined as a lush romantic melody that seems to rise straight out of the piano's depths. Rachmaninoff himself admitted it was his favorite part of the piece, and it's easy to understand why: it's tender, grand, and full of longing.This solo arrangement by Schultz pares down the orchestral drama but keeps all the expressive power, letting the piano sing with full-hearted warmth. The variation has since transcended its classical origins, appearing in films, commercials, and pop culture, yet it never loses its emotional punch. It's the kind of music that doesn't need explanation—it just resonates.Rachmaninoff, ever the late Romantic in a century veering toward modernism, poured his soul into his music. This variation, placed deep in a virtuosic whirlwind, emerges like a moment of clarity—an unguarded confession in a storm. Let it carry you out this week. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Originally uploaded February 6, re-edited March 17th. Chris Holman welcomes Kelli Ellsworth Etchison, Chief Marketing Officer, and Chief Diversity Officer, LAFCU, Lansing, MI. Welcome back Kelli, first remind the Michigan business community about LAFCU? What were your highlights for 2024? Recent headlines from LAFCU have included a dramatic reduction of Overdraft and Non-Sufficient Funds Fees, tell us about that? You continue to be with the Dr. Martin Luther King Jr. Commission of Mid-Michigan, can you share some about LAFCU's support of the group and their annual celebration? We often hear about staff promotion at LAFCU, how impactful is the talent issue at your credit union?

The ladies talk "baddie budgets", current events, the sports betting SICKNESS, hooha tips, and more! Thanks for listening, we love you :) Rate and share, pretty please.CoochieQs@gmail.com | @codenamecoochie

While driving this morning, I caught myself thinking, Wow, I feel so refreshed this week. Then it hit me—I had been emotionally overdrawn for a while without even realizing it. That moment sparked today's episode because, just like our finances, our emotional and mental health need balance.In this episode, we're discussing the connection between emotional well-being and financial stability. Are you constantly borrowing energy from places that leave you drained? Are you making emotional ‘quick fixes' that don't serve your long-term well-being? Are you checking in before you hit rock bottom, or are you waiting until you're emotionally bankrupt? Your energy is currency. Let's make sure you're spending it wisely.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/https://ncua.gov/newsroom/press-release/2025/hauptman-announces-changes-ncuas-overdraftnsf-fee-collectionA great Monday at GAC .... listen for details.

On today's show: 1. Tim Scott blasted over efforts to roll back Biden-era caps on overdraft fees for big banks - https://abcnews4.com/news/local/tim-scott-blasted-over-efforts-to-roll-back-biden-era-caps-on-overdraft-fees-for-big-banks-wciv-abc-news-4-charleston-sc-south-carolina-joe-biden-consumer-financial-protection-bureau-senate-banking-committee-chairman 2. SC research universities could lose tens of millions under Trump's federal funds cut - https://www.postandcourier.com/education-lab/sc-nih-funding-cuts-musc-usc-clemson/article_16ea6cae-ea3a-11ef-b241-b3c71ab1c595.html 3. CARTA chairman addresses federal funding concerns - https://abcnews4.com/news/local/carta-chairman-addresses-federal-funding-concerns-wciv-abc-news-4-charleston-area-regional-transportation-authority-mike-seekings This episode's music is by Tyler Boone (tylerboonemusic.com). The episode was produced by LMC Soundsystem.

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Send Vikki any questions you'd like answered on the show!Do you ever feel like you're only succeeding because you're working more than is healthy? That you are subsidizing your work at the expense of your wellbeing? Then today's episode is a must listen! I welcome Andy Brown, author of The Emotional Overdraft and we chat about what we mean by an Emotional Overdraft, how to know if you have one, and what to do about it.****I'm Dr Vikki Wright, ex-Professor and certified life coach and I help everyone from PhD students to full Professors to get a bit less overwhelmed and thrive in academia. My weekly podcast, The PhD Life Coach covers the most common issues experienced in universities, including procrastination, imposter syndrome, and having too much to do. I give inspiring and actionable advice and often have fun expert guests join me on the show. Make sure you subscribe on Apple, Spotify or wherever you get your podcasts.If you already listen, please find time to rate, review and tell your friends!I also host a free online community for academics at every level. You can sign up on my website, The PhD Life Coach. com - you'll receive regular emails with helpful tips and access to free online group coaching every single month! Come join and get the support you need.

Are you subsidizing your business success at the cost of your own well-being? Andy Brown defines this as emotional overdraft and just like a financial overdraft, these behaviors might work in the short term but become unsustainable and costly over time. Andy explains to Kevin that while this behavior is common, it can lead to stress, burnout, and reduced personal and professional effectiveness. Andy shares habitual behaviors, or "drivers," that contribute to emotional overdraft, such as urgency, overcommitment, and lack of trust. He also suggests that work-life balance is a helpful expression, he advocates for integrating work as part of life and recognizing seasons of focus and rest. Further, he provides some examples so we can mitigate emotional overdraft. Listen for 00:00 Introduction 00:08 Understanding Overload Stress and Emotional Overdraft 00:41 How to Join the Live Podcast Community 01:08 Kevin's Book Flexible Leadership 02:07 Guest Introduction Andy Brown 02:33 Andy's Background in Leadership and Business 03:30 How Andy's Journey Led to Emotional Overdraft 06:09 Recognizing Leadership Costs Beyond Financials 07:03 What is an Emotional Overdraft 08:19 The Impact of Emotional Overdraft on Leaders 10:24 Emotional Overdraft Beyond Business A Universal Issue 11:44 Work Life Balance A Myth or a Useful Concept 15:24 Why Do Leaders Go into Emotional Overdraft 16:53 The 10 Drivers of Emotional Overdraft 18:30 Just Flipping Do It JFDI A Key Habit That Drives Overdraft 21:21 Trust Issues When Leaders Stop Trusting Their Team 24:45 The Connection Between Urgency and Overdraft 27:07 Why Do We Feel Like Everything is Urgent 29:05 Breaking the Cycle Asking the Right Questions 32:57 Training Clients to Expect Urgency 35:45 The Importance of Taking a Breath and Evaluating Choices 36:36 What Andy Does for Fun and The Importance of Joy 38:59 Recommended Reading Connect by Carol Robin 40:48 Where to Find Andy Brown and His Book 41:57 Final Thoughts Taking Action Against Emotional Overdraft 42:29 Closing and Subscribe for More Episodes Andy's Story: Andy Brown is the author of Amazon's #1 best seller, The Emotional Overdraft: 10 Simple Changes for Balancing Business Success and Wellbeing. He has over 30 years of experience as a transformative coach and award-winning adviser. His engaging style and thought-provoking insights have made him a sought-after speaker at conferences, corporate events, and on podcasts. Andy inspires leaders to address the hidden costs of leadership while promoting sustainable growth and personal resilience. Andy's mission is clear: to empower leaders to make better, faster decisions without sacrificing their well-being. This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.  Book Recommendations The Emotional Overdraft: 10 simple changes for balancing business success and wellbeing by Andy Brown Multipliers, Revised and Updated: How the Best Leaders Make Everyone Smarter by Liz Wiseman Connect: Building Exceptional Relationships with Family, Friends, and Colleagues by David Bradford Ph.D., Carole Robin Ph.D. Like this? Trusting Yourself with Melody Wilding Being Impact Player with Liz Wiseman Making Stress Work For You to Achieve Your Goals with Steven Stein Podcast Better! Sign up with Libsyn and get up to 2 months free! Use promo code: RLP   Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group  

Nathan breaks down the latest moves in free agency, the impact on the players' fantasy value, and explains some flaws in current ADP trends that should alter your draft strategy. Link to the 2024 Top Fantasy Baseball Prospects - End of Season Update SUBSCRIBE, Rate and Review on Apple and Spotify! Follow us on Twitter: @EthosFantasyBB Join our Fantasy Sports Discord Server: https://discord.gg/jSwGWSHqaV

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/## Episode Summary: NSF and Overdraft Fees - What You Need to KnowIn this episode, Mark Treichel interviews Joe Goldberg, former director of the NCUA's division of consumer compliance policy and outreach, about the December 2024 NCUA letter addressing consumer harm from certain overdraft and NSF fee practices.### Key Topics Covered:Joe Goldberg discusses NCUA's recent guidance on problematic overdraft fee practices, including:1. Authorized Positive Settled Negative (APSN) fees - When a debit transaction is approved with sufficient funds but settles negative due to intervening transactions2. Multiple re-presentment fees - When members are charged multiple NSF fees for the same check/ACH item being represented3. Return Deposited Item (RDI) fees - When members are charged for depositing third-party checks that are returnedThe episode also covers:- NCUA's historical approach to overdraft oversight since 2005- Risk management principles credit unions should consider- The agency's current supervisory approach and expectations- New research findings on overdraft/NSF fee revenue at credit unions### Key Takeaways:- Credit unions should review their overdraft programs for compliance with current guidance- Self-identification and correction of issues is viewed favorably by NCUA- Overdraft/NSF fees typically comprise 2-5% of credit union revenue- The agency will continue monitoring these fees through call report data- Credit unions should ensure fee practices are fair and clearly disclosed to members### Featured Guest:Joe Goldberg - Former Director, Division of Consumer Compliance Policy and Outreach at NCUA (2014-2021)### Host:Mark Treichel - With Flying Colors Podcast

From Pop-Tarts to Peeps, Red #3 artificial food coloring is now banned… 40 years too late.JPMorgan just had its best quarter in 200 years… so it's time to kill the most hated fee in banking.There's a hot new side-hustle that can make you $30k/year… Job Referrals as a service.Plus, male and female Instacart shoppers pick out food differently… so should you be able to choose the gender?$KO $GIS $K $JPM $CARTWant more? Check out the latest episode of our weekly deep dive show, The Best One Yet. This week's episode is on Reese's Peanut Butter Cups: “From Frog Salesman to Candy Mogul”

Sign up for our Live Budgeting Workshop: https://www.debtfreedad.com/live_budgeting_workshop_optin  Subscribe to Simplify My Money:https://www.debtfreedad.com/newsletters/simplify-my-money  Do overdraft fees and late payments have you stressed out? In this episode of the Debt Free Dad podcast, host Katie shares her practical tips to help you take control of your finances. Learn how to avoid overdraft fees, manage bill payments, and set yourself up for financial stability. Tune in for valuable advice and actionable steps to break the cycle of debt and live a happier, less stressful life. Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

Luigi Mangione, suspect charged in UnitedHealthcare CEO's killing / Overdraft New Rule Sets $5 Cap for Bank Overdraft Fees/ Conan O' Brien loses both parents days apart. // Big Bear Skiers and Snowboarders Celebrate Opening Day at Bear Mountain/ Tim visits the 5th floor at iHeart Media.// Guest: Brian Raff helps save homes out in Malibu during the Franklin Fire. // Tim Conway's new promo/ Artic Blast Climate 

Amy King & Neil Saavedra join Bill for Handel on the News. Malibu updates recovery efforts as Franklin fire containment reaches 30%. Amazon plans to donate $1MIL to President-elect Trump's inauguration. Overdraft fees crackdown: Biden administration sets new rules for banks. Head of the Federal Aviation Administration to resign, allowing Trump to pick his successor. Canadian official threatens to cut off energy to the United States.

Say his name! Caitlin Clark is young. Biden, Trump, easy on crime. Facts vs Truth. Overreacting to haters. A Canadian died! Mama gov't vs banks.The Hake Report, December 13, 2024 ADTIMESTAMPS* (0:00:00) Start — JASON!* (0:02:38) Say his name! Ego thrills, Luigi* (0:06:38) Hey, guys!* (0:09:14) Caitlin Clark kissing up* (0:15:36) Caitlin Clark doubles down* (0:28:56) Super: Greggatron* (0:29:39) Coffees… Prisons… Julieta Venegas…* (0:39:24) Coffee: Jason, Friday the 13th* (0:43:45) Biden clemency, Trump, "criminal justice reform," Joey Crack murder* (0:53:30) HADEN, TX: Daniel Penny, Alvin Brag* (0:59:52) HADEN: Believe in immigration?* (1:06:10) HADEN: Left accusing you of being what they are* (1:07:32) HADEN: Difference between truth and facts* (1:15:47) JEFF, LA: I forget. Chinese guy, Child shmorn* (1:19:54) Why not spy on America?* (1:21:50) Coffee…* (1:25:22) PDFs* (1:26:57) Rumble, Supers…* (1:29:40) Coffee: Caitlin Clark, Cari Champion* (1:34:04) Shoutout* (1:34:35) Coffee: Judgment, character, color* (1:40:30) Canadian died of undiagnosed aortic aneurysm* (1:45:23) Overdraft fees cut to $5 by Mama govt* (1:52:04) Squeezing the unfortunate* (1:53:56) Andy Lau - 練習 (Liànxí, Exercise) - 2002, A Better DayLINKSBLOG https://www.thehakereport.com/blog/2024/12/13/the-hake-report-fri-12-13-24PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2024/12/13/hake-news-fri-12-13-24Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YouTube - Rumble* - Facebook - X - BitChute - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Spring (old!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

Overdraft fees are being caped by the Fed. More than 3 dozen local DC business will be giving grants from DC. Loudoun County Animal shelter is waiving adoption fees.  Make sure to also keep up to date with ALL our podcasts we do below that have new episodes every week:The Thought ShowerLet's Get WeirdCrisis on Infinite Podcasts

AP correspondent Mike Hempen reports the Consumer Bankers Association and other banks are taking legal action against the Consumer Financial Protection Brueau.

Time has named President-elect Donald Trump as its “Person of the Year.” A missing American has been found in Syria. Wholesale prices were up last month, we'll tell you which products were the worst hit. A crackdown on overdraft fees could save consumers billions of dollars. Pus, an 11-year-old girl has survived a shipwreck by clinging to tire tubes for three days. Learn more about your ad choices. Visit podcastchoices.com/adchoices

AP correspondent Jackie Quinn reports on the White House cracking down against high overdraft fees.

Ever have a check bounce? Swipe your debit card for too much? Get ready for a $35+ overdraft fee... But wait! A new federal rule finalized today by the Consumer Financial Protection Bureau would cap the amount banks can charge you for withdrawing more than you have at $5. Dave and Debbie discuss their personal experiences with overdraft fees and what this cap could mean for consumers.  

Imagine reclaiming 20% of your time every week—time you never knew you could have but desperately need. In this episode of Legendary Leaders, your host Cathleen and her guest, the insightful Andy Brown, explore the transformative power of effective delegation and the hidden costs of emotional overdraft. Andy, a seasoned business advisor and author of the bestseller Emotional Overdraft, shares his journey from corporate stress to meaningful change and the impactful lessons he learned along the way. Join us for a compelling conversation on recognising and addressing the invisible costs of leadership, and empowering yourself to delegate for a healthier, more fulfilling life. Episode Timeline:  09:35 Emotional costs impact business profitability significantly. 12:38 Recognise and address your emotional overdraft. 19:34 Create a personal board of supportive advisors. 26:48 Prioritise important tasks over easy ones. 40:29 Market dictates a business's true value.  44:19 Delegation frees time for strategic business growth. 01:01:26 Don't sacrifice happiness for business success.  01:08:10 Limiting clients to maintain quality and health. 01:11:52 Fully recharge to effectively manage and delegate.   Key Takeaways:  Andy highlights the importance of delegating tasks that others can handle, allowing leaders to focus on high-value activities that only they can perform.  The concept of "emotional overdraft" is crucial for leaders to understand and manage. Recognising behaviors that contribute to emotional exhaustion and addressing them can prevent burnout and improve overall well-being. Andy and Cathleen emphasise the significance of structuring a business to allow for personal time and family involvement.    ABOUT Andy Brown Andy has over 30 years' experience as an award-winning adviser and coach for people-based businesses. He's also a podcast host and the author ofAmazon #1 best seller, ‘The Emotional Overdraft: 10 simple changes for balancing business success and wellbeing' a book for entrepreneurs, leaders and founders that articulates the often overlooked mental and physical costs of leadership. Connect with Andy : Website: https://emotionaloverdraft.com/ Buy the book in the US: https://www.amazon.com/Emotional-Overdraft-balancing-business-wellbeing/dp/1788605136/ Buy the book in the UK: https://www.amazon.co.uk/Emotional-Overdraft-balancing-business-wellbeing/dp/1788605136/ Social Media Links: LinkedIn: https://www.linkedin.com/in/andybrownprofile/ Instagram: https://www.instagram.com/andybrownauthor/ Connect: 
  Find | Cathleen O'Sullivan  Business: cathleenmerkel.com   Email: cmc@cathleenmerkelcoaching.com  LinkedIn: https://www.linkedin.com/in/cathleen-merkel/ Instagram: https://www.instagram.com/legendary_leaders_cathleenos/     FOLLOW LEGENDARY LEADERS ON APPLE, SPOTIFY OR WHEREVER YOU LISTEN TO YOUR PODCASTS.

We got an email from a music teacher who is overwhelmed by debt, overdraft fees, and a tight budget. We share practical tips on how to manage stress and boost income, all while navigating a really tight cashflow situation.  If you enjoy this episode, please leave us a review wherever you are listening! The very best way for others to find this podcast is when you rate and review it. Thank you for your support.    _______________________________

Wednesday November 13, 2024 Navy Federal Credit Union to Pay $95 Million to Settle Overdraft Fee Charges by Russell Mokhiber

Managing Emotional Fatigue with Andy Brown: Insights from 'Emotional Overdraft'Episode Sponsor Authentic Health Use Promo Code JASON for 10% off Your Order!Buy the book in the US - https://www.amazon.com/Emotional-Overdraft-balancing-business-wellbeing/dp/1788605136/Buy the book in the UK - https://www.amazon.co.uk/Emotional-Overdraft-balancing-business-wellbeing/dp/1788605136/Complete the free Emotional Overdraft Self-Assessment - https://emotionaloverdraft.com/self-assesment/Connect with me - https://www.linkedin.com/in/andybrownprofile/ (my main social channel where I produce lots of content)Follow Emotional Overdraft on Instagram - https://www.instagram.com/andybrownauthor/Get all the latest Emotional Overdraft articles - https://emotionaloverdraft.com/In this engaging episode of the Jason Wright Show, Jason Wright converses with author and management consultant Andy Brown about his book 'Emotional Overdraft: 10 Simple Changes for Balancing Business Success and Well-being.' They delve into the critical importance of managing one's mind and emotions as an entrepreneur or business leader, discussing the concept of emotional overdraft. Andy shares his insights into how constant withdrawals from our emotional bank without deposits can lead to deficits affecting performance and well-being. They explore practical strategies for reducing emotional overdraft, including setting personal goals, building a vision, challenging habitual thinking, and employing practical time management techniques. They also discuss the importance of delegating tasks and understanding the true cost of emotional and physical strain. This episode is essential for anyone looking to optimize their emotional and mental health for better performance and life satisfaction.00:00 Introduction to the Show and Guest00:39 The Concept of Emotional Overdraft01:41 Interview with Andy Brown Begins03:14 Andy Brown's Background and Career05:57 Defining Emotional Overdraft09:41 Personal Experiences and Realizations13:13 Managing Emotional Health in Business19:30 Practical Advice for Entrepreneurs28:07 Quantifying Emotional Overdraft37:52 Balancing Success and Wellbeing41:21 Understanding Downtime and Self-Respect42:27 Solutions for Reducing Emotional Overdraft43:34 The Power of a Well-Executed Plan44:43 Challenging Your Thinking45:55 The Importance of Habits47:12 Vision and Decision Making48:53 Reframing Your To-Do List53:52 Delegation and Time Management01:04:42 The Value of Personal Assistants01:14:11 Self-Assessment and Emotional Overdraft01:15:50 Conclusion and Final Thoughts

Learn how an Overdraft Line of Credit can provide financial stability and peace of mind for families facing unexpected expenses in this episode of Good Money Moves with Jenna Taubel from First Alliance Credit Union and Andy Brownell with KROC AM.

Friday October 4, 2024 CFPB: Banks Harvesting Overdraft Fees

“I define emotional overdraft as subsidizing your business at the cost of your own mental or physical wellbeing… and, spoiler alert - everybody has an emotional overdraft.” - Andy BrownAs a business owner or leader, have you ever felt like the stress and demands of your work are taking a toll on your mental or physical health? If so, you're not alone—and this episode is for you.In this insightful conversation, my guest, the creator of the concept of "emotional overdraft," breaks down what it really means to subsidize your business at the expense of your well-being. We dive deep into how to recognize when you're in emotional overdraft and, more importantly, how to get out of it and regain emotional balance.Tune in to learn:The impact of emotional overdraft on resilienceCommon situations where emotional overdraft shows upKey drivers that lead to emotional debtPractical strategies for leaders to limit time spent in overdraftHow to transform burnout into a manageable challenge, rather than an inevitable outcomeIf you're ready to reclaim your energy and leadership with a clear, balanced mind, don't miss this episode.And when you're done listening to this episode, here's a FREE Emotional Overdraft Self-Assessment for all our listeners here on The Leaders Lab Podcast: https://emotionaloverdraft.com/self-assesment/ABOUT OUR GUESTAndy Brown has over 30 years' experience as an award-winning adviser and coach for people-based businesses.He's also a podcast host and the author of Amazon #1 best seller, ‘The Emotional Overdraft: 10 simple changes for balancing business success and wellbeing' a book for entrepreneurs, leaders and founders that articulates the often overlooked mental and physical costs of leadership.Learn more about Andy and his work here: https://www.linkedin.com/in/andybrownprofile/ABOUT OUR HOSTKen Eslick is an Entrepreneur, Author, Podcaster, Tony Robbins Trainer, Life Coach, Husband of 35+ Years, and Grandfather. Ken currently spends his time as the President & Founder of The Leaders Lab where he and his team focus on Senior Leadership Acquisition. They get founders the next level C-Suite Leaders they need to go from being an Inc. Magazine 5000 fastest growing company to $100,000,000 + in revenue.  You can learn more about Ken and his team attheleaderslab.coListen to more episodes on Mission Matters:https://missionmatters.com/author/ken-eslick/

Welcome back to another episode of HR Insights: The Podcast. Today Stuart Elliott is joined by Andy Brown, Leadership coach and Author of best-selling book ‘The Emotional Overdraft: 10 simple changes for balancing business success and wellbeing' focused on the often overlooked mental and physical costs of leadership.In this episode Stuart and Andy discuss how his love for problem-solving led him to help businesses, especially marketing agencies, optimise their structures for success. He shares his key insights on the concept of the "emotional overdraft” explained as the practice of sacrificing one's mental and physical well-being to support business or personal success, often born from an inability to disconnect from work. He highlights the need to address the issue to avoid burnout, offering strategies like tracking behaviours, setting boundaries, and promoting awareness. Throughout the podcast, Andy emphasizes self-reflection, recognising emotional overdraft signs, and the value of coaching to foster curiosity about behaviour patterns. He concludes by advising empathy and kindness when helping someone experiencing emotional overdraft, encouraging them to seek change.Andy Brown has over 30 years' experience as an award-winning adviser and coach for people-based businesses. He's also a podcast host and the author of Amazon #1 best seller, ‘The Emotional Overdraft: 10 simple changes for balancing business success and wellbeing' a book for entrepreneurs, leaders and founders that articulates the often overlooked mental and physical costs of leadership. Take the Cosmo Quiz and get the book here. Key Timestamps:  02:38 – Intro into Andy 06:25 – The idea for the book10:25 – Summary of the book 12:50 – Causes of an emotional overdraft 18:45 – Recognising you are in an emotional overdraft 36:50 – Paying off an emotional overdraft 44:40 – How to help someone in an emotional overdraft You can listen to and download HR Insights from Apple Podcasts, Google Podcasts, Spotify and other popular podcast apps. Please subscribe so the latest episodes are directly available! You can also join our HR Community and follow us on LinkedIn and Instagram. Thank you for listening and please do review and rate us wherever you listen!

KeywordsResilience - Emotional Overdraft - Burnout - Emotional Reserves - Wellbeing - Invisible CostsIn this episode if Resilience Unravelled, Andy Brown, an award- winning adviser and coach for people-based businesses, talks about the concept of 'emotional overdraft'. He highlights its implications for burnout, the need to maintain healthy emotional reserves and the importance of acknowledging invisible personal and emotional costs in business finances, He also explores the idea of building a personal board of experts for support, the significance of prioritising well-being in highly stressed jobs, and the potential of writing a book to share experiences and insights.Main topicsThe concept of 'emotional overdraft' and how it can be managedThe dangers of misusing the term 'burnout' and the need to refresh the meaning of terms like 'stress' and 'resilience'Acknowledging and maintaining healthy emotional reserves for personal and professional successThe concept of an "invisible line" in business finances, referring to the hidden personal and emotional costs of pursuing profitabilityMaintaining a healthy "emotional bank" balance to avoid excessive strainBuilding a personal board of experts to help overcome challenges. Discipline as a better approach to building habits and achieving goalsThe role of motivation in funding workWhy leadership development needs more focusAction items Andy's book is available at https://www.amazon.com/Emotional-Overdraft-balancing-business-wellbeing/dp/1788605136/You can complete the free Emotional Overdraft Self-Assessment at https://emotionaloverdraft.com/self-assesment/or connect with him at https://www.linkedin.com/in/andybrownprofile/ Follow Emotional Overdraft on Instagram at https://www.instagram.com/andybrownauthor/or get all the latest Emotional Overdraft articles at https://emotionaloverdraft.com/

When I was sent a book called The Emotional Overdraft I instinctively knew that this was a topic that was going to resonate with me personally and you as listeners to this podcast.     An emotional overdraft is when you as a leader habitually overcome your employer's challenges at the cost of our own physical and mental health. Sound familiar?   I am seeing this happening a LOT at the moment with the women within my Women Leading community so I was excited to dive into the topic with the book's author Andy Brown.   We discussed: The cost of going too deep into your emotional overdraft How to start paying it back What behaviours or drivers create our emotional overdraft The role of management skills and influencing in changing a culture which relies on people being emotionally overdrawn How to approach urgency and filling short term gaps more strategically How the emotional overdraft shows up outside of work   My name's Carla Miller, leadership coach, author and trainer. And this is the Influence & Impact podcast for women leaders, helping you confidently navigate the ups and downs of leadership and feel less alone on your journey as a leader.  In fortnightly episodes I share practical tools and insights from myself and my brilliant guests that will help you succeed in your career.   FREE RESOURCE - How To Say No Challenge: If you struggle to say ‘no' then this free 5 day challenge is for you.  You'll receive a short email each day containing a short video taking you through the 5 steps of my How To Say No framework. We'll get you happily saying no in just 5 days!   Influence & Impact: Join the next cohort of Influence & Impact to learn how to tackle self-doubt, increase your impact and become brilliant at influencing.  It's a small cohort working closely with me and includes 6 workshops and 2 peer coaching sessions.   Be Bolder My Be Bolder 4 week confidence and assertiveness course will be running again in February.  In it we cover: ⭐ Tackling imposter feelings and self-doubt ⭐ Mastering your mindset ⭐ Courageous conversations ⭐ Speaking up    Women Leading: My Women Leading community gives you the support and strategies you need to: ⭐ Set boundaries and expectations ⭐ Prioritise your wellbeing ⭐ Coach your hybrid team effectively ⭐ Stop people pleasing  ⭐ Lead under pressure All for just £49/month    About Andy Brown: Andy has over 30 years' experience as an award-winning adviser and coach for people-based businesses. He's also a podcast host and the author of Amazon #1 best seller, ‘The Emotional Overdraft: 10 simple changes for balancing business success and wellbeing' a book for entrepreneurs, leaders and founders that articulates the often overlooked mental and physical costs of leadership   Links from Andy:   Buy the book in the UK  Complete the free Emotional Overdraft Self-Assessment  Connect with Andy  Follow Emotional Overdraft on Instagram  Get all the latest Emotional Overdraft articles   

Lex chats with Zuben Mathews - CEO and Co-founder of Brigit. Brigit is a leading consumer financial app in the United States that offers a suite of holistic financial products including budgeting, financial insights, access to paychecks, and credit building. Zuben kicks off the conversation discussing his journey from investment banking at Deutsche Bank to founding one of the largest financial health apps in the U.S. Mathews reflects on his early experiences in banking, where he launched a small entrepreneurial team within Deutsche to leverage the bank's data and client relationships to drive revenue. This experience helped shape his approach to solving real financial pain points, which became the foundation of Brigit. Zuben explains Brigit's focus on addressing the U.S. financial crisis of living paycheck-to-paycheck, a problem he personally experienced as an immigrant student. Brigit's initial product leverages cashflow data to provide instant cash advances, helping users avoid overdrafts and predatory loans. Mathews emphasizes that Brigit's success stems from a commitment to solving users' deepest financial issues and using real-time cashflow data, not traditional FICO scores, to provide financial solutions. The conversation delves into Brigit's subscription-based business model, which offers transparency and value to users, helping them save money while improving financial stability. Zuben discusses how the app has grown to serve over a million users, generating more than $100 million in revenue with a small team of 90. He also addresses challenges in fintech, such as data access in the U.S. compared to Europe's open banking regulations, and calls for more balanced regulation that encourages innovation while protecting consumers. The discussion concludes with Zuben advocating for greater access to bank data and better infrastructure for fintechs, highlighting the importance of innovation in improving customer outcomes in the financial space. MENTIONED IN THE CONVERSATION Brigit's Website: https://bit.ly/4d8tqohZuben's LinkedIn: https://bit.ly/3XvsEvT Topics: Fintech, neobank, overdraft, cash advance, subscription, financial wellbeing, PSD2, regulation Tags: Brigit, Deutsche Bank, Plaid, Chime, Revolut, Monzo, Yodlee, Synapse, Coastal Community Bank ABOUT THE FINTECH BLUEPRINT 

Send us a textBill Bartholomew welcomes Mike Mattone, SVP, Chief Retail Banking & Experience Officer at Navigant Credit Union for a look at their innovative new overdraft fee schedule and protections program.Learn more at http://www.navigantcu.orgSupport the show

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6Being born again in Christ changes a person. We're given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.Bobby's TestimonyIt's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. But despite his financial struggles, Bobby was committed to turning his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That's when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”Hearing how Bobby's life has changed since inviting Christ in as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God's redemptive power.Steps Toward Financial FreedomA few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.Biblical Principles Guiding Bobby's TransformationBobby's journey highlights several biblical principles that are now guiding his life:The Body as a Temple: Bobby's decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices.Humility: Bobby's willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.”Honesty: Bobby's commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ.Repaying Debts: The Bible emphasizes the importance of repaying what we owe. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby's desire to pay off his debt is a step toward fulfilling this principle.Stewardship: Perhaps the most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you're struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please reach out to us. We're here to help you take the next step toward financial freedom and faithful stewardship.Bobby's story is a powerful reminder that with God's help, it's never too late to turn your life around and get back on track. If you're ready to take that step, we're here to walk alongside you.On Today's Program, Rob Answers Listener Questions:I'm 70 and have a lot saved in my retirement accounts. I want to help my daughter and son-in-law, who are in their 20s, buy their first home. What's the best way for me to gift them money from my 401(k) without creating tax issues?I renovated a duplex and am having trouble renting it out. Should I sell the property to avoid capital gains taxes or keep trying to find tenants?I rent out a 3-unit apartment building. Would applying for an LLC benefit this rental property?Resources Mentioned:Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Junk fees are those unexpected, often hidden charges that can turn a seemingly good deal into a costly affair. Whether you're booking a flight, renting a car, or signing up for a new service, these fees can sneak up on you, adding significant costs to your final bill. Fortunately, there are ways to recognize and avoid many common junk fees if you know where to look first. Links: Find fee-free Triangle ATMs when you're out Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union View episode transcript Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Junk fees are known as hidden or unsuspected fees that pop up at the final checkout point raising the final price of the product or service.   If you're looking for a practical way to cut down on the number of junk fees you pay or avoid paying them entirely, then it's worth it to recognize the most common types of junk fees.  Some of the more common fees people end up paying are as follows:   Service charges for event tickets   Resort fees at hotels  Late payment fees  Overdraft fees  Termination fees  Out of network ATM fees  So how does one avoid paying additional junk fees when purchasing a product or service?  When it comes to purchasing items like event tickets, there aren't too many ways to avoid service charges and fees. The best thing to do is to make sure you're aware of the cost of the fees beforehand so you won't be surprised at checkout.   When it comes to resort or hotel fees, make sure you explore the listing before you purchase and read all the booking information. Get a good understanding of what's included and what's not. Will you need to pay extra for wifi, breakfast, certain amenities? Make sure that you've reviewed all the information when you purchase so you're fully aware of all the additional charges you might have to pay when booking.  For late payment fees, the most important way to avoid paying them is to, you guessed it, avoid missing payments altogether.  The best way to make sure you no longer miss payments is to stay organized and set up automatic payments. With online and mobile banking you can use bill pay tools to easily automate payments to different payees. Setting this up will ensure your payment will be sent on time every month and you won't get slammed with additional fees. It'll also help your credit score!   An overdraft fee is a charge imposed by a bank when you spend more money than you have in your account, causing your balance to go negative. This fee compensates the bank for covering the shortfall and allows the transaction to proceed. To avoid overdraft fees, set up overdraft protection with your financial institution so the missing funds will be drawn from another one of your accounts. Also, set up account balance notifications that will send an automatic message to alert you when your account balance dips below a set dollar amount of your choice so you always know your account balance before initiating a transaction.  Termination fees are another way people get charged extra in ways they didn't quite expect. Some companies like gym memberships, phone services, internet and more have written contracts where they charge you a fee to cancel your subscription before the contract ends. The best ways to avoid paying too much to cancel a membership is to make sure to review the FAQs and fine print cancellation policy before signing up to learn how much the company will charge to cancel the service.   And our final fee is one you may encounter when getting cash from ATM. ATM transaction fees are common but can easily be avoided with a little planning. Try to find and use ATM locations that don't charge fees like ones at your banks branch location or others that might be part of an ATM co-op. If you're a credit union member, your institution likely participates in a co-op system that allows any credit union member to use another credit union's ATM fee free. You can also check your institutions' website for a list or map of fee free ATM locations in your area like some gas station chains and other locations.  When it comes to paying junk fees it's important to stay vigilant and informed on the most common types of junk fees so you can take measured actions to reduce their impact on your finances.   Have you recently encountered junk fees? Do you have a special strategy you use to avoid them? Feel free to share your thoughts with us and other listeners on our social media and podcast pages!  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page, and look for our sponsor, Triangle Credit Union, on social media to share your thoughts.    Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.    Have a great day! 

(Disclaimer: Click 'more' to see ad disclosure) Hey there, points people! Today, I'm chatting with Ben, Senior VP of the Flying Blue program. In this episode we discuss why you should be looking at Flying Blue for business class points flights, why La Premiere is really difficult to book on points and how to do it, what to expect of Air France and the airline loyalty industry, and so much more! One card to consider for more Flying Blue points is the Capital One Venture X Card. If you are interested in supporting this show when you apply for your next card, check out geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations at geobreezetravel.com/consultations ! ➤ Check out the Capital One Venture X Card HERE ➤ Waitlist for The Points Accelerator Timestamps:  00:00 - Intro 03:39 - Get to know Ben 05:09 - Expansion of KLM and does it lose money? 08:35 - Why do Air France and KLM give out a lot of points availability? 12:35 - What's up with these crazy points prices? 14:05 - Different partners have different prices 17:56 - Booking La Premiere 21:13 - Benefits with statuses 23:13 - Overdraft fees 26:24 - Market specific promotions 27:38 - KLM specific promotions 31:45 - Things to look forward to in the airline loyalty industry 35:47 - Outro == ➤ You can find KLM and Flying Blue here: https://www.klm.com/?gclid=Cj0KCQjws560BhCuARIsAHMqE0HMGLYWnD340ocniqqh-5_b_ais3M5gpwntCx8JHn4cHgX5Xbof2_gaAvOdEALw_wcB&gclsrc=aw.ds&showredirectnotice=us https://www.flyingblue.us/en/home ➤ You can find Julia through her ⁠⁠Free Course⁠⁠ (includes hotel upgrade email template) | ⁠⁠Instagram⁠⁠ | ⁠⁠Credit Card Links⁠⁠ | ⁠⁠Patreon⁠⁠ | ⁠⁠YouTube⁠ ➤ Sign up for the newsletter for exclusive access to free coaching calls! ➤ Ask me a question or request a free award search tutorial HERE! Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as milevalue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Getting that next empowered paycheck requires a certain degree of humility when you make mistakes or life hits you with a WTF curveball.

The federal government is shining a light on how much money credit unions collect in overdraft fees. In other news, a new report documents how the California Coastal Commission blocks and delays housing. Plus, Father's Day is Sunday, and we've put together some well wishes from our newsroom to share with you in celebration of all the dads and caregivers out there.

Our special guest is David Pommerehn, SVP, General Counsel, Head of Regulatory Affairs at the Consumer Bankers Association. In January 2024, the CFPB proposed two new rules: one restricting overdraft fees and the other prohibiting NSF fees on certain declined transactions. The proposals are among the CFPB's latest moves in furtherance of the Biden Administration's “junk fees” agenda. In this episode, which repurposes a recent webinar, we discuss the key provisions of each proposal and entities covered, the CFPB's justification for each proposal, the legal authority relied on by the CFPB for each proposal, business practices impacted by the proposals, and potential legal challenges. Alan Kaplinsky, Senior Counsel in Ballard Spahr's Consumer Financial Services Group, moderates the discussion, joined by John Culhane, a Partner in the Group, and Kristen Larson, Of Counsel in the Group.

Is Vicious Syndicate Ruining Hearthstone? and I play Nature Shaman on the ladder. You can find the deck import code below the following contact links.  Join our Discord community here or at discord.me/blisterguy. You can follow me @blisterguy or the podcast @walktoworkHS on twitter. Subscribe to my Youtube channel. You can support this podcast and my other Hearthstone work at Patreon here. # 2x (1) Flowrider # 2x (1) Lightning Bolt # 2x (1) Lightning Reflexes # 2x (1) Miracle Salesman # 2x (1) Novice Zapper # 1x (1) Overdraft # 2x (1) Pop-Up Book # 1x (1) Spirit Claws # 2x (2) Amphibious Elixir # 2x (2) Ancestral Knowledge # 1x (2) Bloodmage Thalnos # 2x (2) Cactus Cutter # 2x (2) Flash of Lightning # 1x (2) Kobold Geomancer # 2x (2) Needlerock Totem # 1x (3) Photographer Fizzle # 2x (5) Crash of Thunder # 1x (6) Golganneth, the Thunderer #  AAECAfu0BgajnwSXoASs0QWN9QW/ngaU5gYM6ucD+Z8ExNAFze4FyvgFy/gFs40GhY4GrZ0GnJ4G5p4GqKcGAAA=

It is Friday. And Indicators of the Week is back — Plastics Edition. Today, we dig into how fraudsters have used Walmart gift cards to scam consumers out of more than $1 billion. We also find out why recycled plastic is actually more expensive now than newly produced plastic. And we learn how overdraft fees might be going way down. Related ArticlesProPublica - How Walmart's Financial Services Became a Fraud MagnetFinancial Times - Petrochemical glut makes new plastic cheaper than recycledRelated episodesOverdraft fees: From perk to penaltyThe problem with banning plastic bagsFor sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.

Time for a Friday Flight- our little sampling of the week's financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: canceling Peacock & Prime, career cushioning, earning more in-person, AI in the warehouse club, no bait and switch car lots, selling 1k pounds of stuff, pushing back on lifestyle creep, overdraft fee elimination, and unnecessary title insurance.    Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.

Episode 238: Neal and Toby explain what countries around the world like China are doing to combat low birthrates and population decreases. Plus, why overdraft fees at banks could be a thing of the past and Tesla owners say their cars won't charge in the brutal cold. Neal shares his favorite numbers from the week and the virality of... bring laid off? Finally, what are New Orleans wings and why are they popular everywhere but New Orleans? Listen to Morning Brew Daily Here: https://link.chtbl.com/MBD Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices

Ron DeSantis and Nikki Haley are trying to one up each other ahead of the New Hampshire primary. Fears of the conflict widening in the Middle East are becoming a reality. Congressional leaders are at the White House today for high stakes spending talks. Spirit Airlines' shares dropped 47 per cent after a judge said it couldn't merge with JetBlue. And, a consumer watchdog wants to limit overdraft fees. Learn more about your ad choices. Visit megaphone.fm/adchoices