Podcasts about payments

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by shop owner Mike Himes and guest Rick White to discuss the evolution of Mike's shop over the past year. Rick shares coaching insights on overcoming emotional challenges around pricing and the importance of valuing your work. Mike reveals how increasing labor rates and implementing a robust parts matrix led to significant financial improvements, while the group addresses common industry pitfalls such as undercharging and ineffective workflows.00:00 "Biggest Change: Workflow Insights"07:24 "Facing Fear for Growth"12:25 Growth Journey: From Beginner to Achiever19:33 "iPhone Queue Frenzy"23:29 "Only Expert in Town"31:23 "Jeff Compton Protects Technicians"32:33 "High Turnover Acceptance Debate"40:48 "Stop When Risks Appear"45:45 "Factory vs Full Process"51:27 "Subscription Costs for Scan Tools"55:27 "Pricing Adjustment Lessons with Rick"01:03:24 "Parts Store Manager Advice"01:04:51 Effortless Transition with Shopware

What was expected to be a major setback for the wider family of highlife legend Daddy Lumba has been resolved after the Accra High Court lifted an injunction on his funeral arrangements, paving the way for the ceremony to go ahead tomorrow

Graduate teacher Richard Boakye says the official recruitment portal has not been opened even though recruitment is ongoing, while Paul Okyere Karikari of the Coalition for Unemployed Trained Teachers alleges a secret recruitment process where applicants are being asked to pay GH¢25,000 to secure placement.

We explore with Alexander from Solanteq, what makes a payments platform truly modern: cloud-native, modular, API-first, and regulation-ready, with the ability to scale from small pilots to global volume. We share a vision for “payment autopilot” and how multi-rail orchestration and AI can make payments feel invisible.• Cloud-native, modular architecture for issuing, acquiring and settlement• API-first integration with legacy and new systems• Compliance by design and predictable audits• Data streaming for analytics and added-value services• Managing legacy tails while moving to future rails• Multi-rail strategy for cross-border and instant payments• Payment orchestration across simple and complex flows• Practical roles for AI in risk, routing and efficiency• Vision for a consumer and merchant “payment autopilot”• How to contact the team to start modernisingTo connect and keep up tonight with all the latest, head over to www.join theconnector.com or hit the client on your podcast orThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

With $11 billion of the $12 billion in Bridge Assistance going to row crop producers, I asked U.S. Representative, Dan Newhouse, what about our specialty crop growers?

Tesla has delivered a stuffed stocking to its customers in the form of this year's holiday software update that adds over a dozen new features to the cars. Plus: more clear indications that the new Tesla Roadster is finally going to get built, Rivian unveils its new custom full-self-driving chip, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). 

Rusty Halvorson and Sarah Heinrich share some of the week's top stories in agriculture.See omnystudio.com/listener for privacy information.

(The Center Square) – The Trump administration has proposed $12 billion in federal aid to American farmers, with many undergoing what Agriculture Secretary Brooke Rollins described as an economic crisis. The Department of Agriculture will deliver the aid through one-time direct payments under its new Farmer Bridge Assistance program, meant to carry farmers from their current struggles to a “golden age for agriculture” the administration has promised. Payments will be released by Feb. 28, 2026, but farmers who qualify and apply will know what they're getting by the end of December, according to Rollins. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxxRead more: https://www.thecentersquare.com/national/article_495e0723-2dcb-4032-8416-9bf94c6cb426.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why Getting Paid on Time MattersLate payments don't just cause frustration — they damage your cashflow, restrict growth, and can force unnecessary borrowing. By tightening up your payment processes, you protect your business and create healthier financial habits.Clear Terms Make a Big DifferenceBefore any work begins, agree on:Payment terms in writingDeposit requirementsDue dates, instalments, or milestonesConsequences of late paymentThis sets expectations early and reduces misunderstandings later on.Use Digital Tools to Speed Up PaymentsDigital systems make invoicing smoother and faster. We recommend using modern accounting software such as Xero. It helps you:Send invoices instantlyTrack overdue paymentsAutomate remindersAccept online paymentsBe Clear, Be Direct, Be ConsistentCustomers respond better when communication is firm, polite, and regular. Keep to your procedures — don't let overdue invoices linger.Before the Due DateSend a friendly reminderConfirm they have everything they need to payOn the Due DateSend a clear message confirming payment is now dueAfter Payment Becomes LateSend a firm reminder without delaysCall if necessary — calls get resultsReinforce the agreed termsHow to Reduce Future ProblemsHere are steps that help prevent late payments altogether:Carry out basic credit checksAsk for deposits or staged paymentsUse direct debit or payment collection servicesImplement late payment charges where appropriateFinal ThoughtsGetting paid on time is not about chasing — it's about setting the right procedures. With clear communication, good systems, and strong boundaries, you protect your cashflow and strengthen your business.Useful LinksXero Implementation & SupportBook a Call with I Hate NumbersI Hate Numbers YouTube ChannelBe sure to follow and subscribe to the I Hate Numbers podcast for weekly episodes that help you plan it, do it, and profit.

We discuss with Alexandra Hachmeister, Director General Digital Euro at Deutsche Bundesbank, how Europe can reclaim digital sovereignty and what the role of the Digital Euro could be.

Travis brings producer Eric into the virtual studio for a late‑night, high‑energy reaction episode on how money, status, and expectations collide in modern relationships. Using viral clips about insane car payments, a rejected Walmart engagement ring, and a boyfriend insisting on separate finances and a prenup, they break down what these decisions reveal about values, red flags, and long‑term wealth building. On this episode we talk about: Why multi‑thousand‑dollar car payments are almost always a wealth killer, not a “flex” The viral story of a woman rejecting an $898 Walmart engagement ring and what it says about priorities How the wedding industry exploits “once in a lifetime” emotions and traps couples in years of debt When prenups make sense, what they actually do (vs. the myths), and why they're different from keeping money separate Why shared financial values and a common mission matter more than ring size, wedding cost, or follower count Top 3 Takeaways Massive payments on depreciating assets like cars are usually a sign of poor financial priorities; if you want to build wealth, avoid over‑leveraging on status items. Engagement rings and weddings are symbols, not investments—if they're forcing you into debt or exposing deep value misalignment, that's a relationship red flag, not “romance.” A prenup can be smart planning, but separate finances inside a marriage often signal that you're not truly on the same team; long‑term success requires a shared mission and transparent money conversations. Notable Quotes “If you want to build wealth, don't get a $3,700 car payment—that's not a flex, that's financial self‑sabotage.” “You're not owed a $10,000 ring or a six‑figure wedding—love doesn't magically make more money appear.” “Marriage is a partnership and a shared mission; if you're sharing a bed and kids but not money, something's off.” ✖️✖️✖️✖️

Excuses and justifications don't come from weakness they come from the eating disorder voice.In this episode of the Food Freedom Podcast, we're talking about the voice of sabotage and how it fuels binge eating, compulsive eating, and disordered eating behaviors.If you've ever caught yourself saying: • “I deserve this.” • “I'll start over tomorrow.” • “One bite won't hurt.” • “I already blew it, so I might as well keep going.”…this episode is for you.You'll learn why most binges don't “just happen,” how the ED brain uses logic and emotion to justify eating against your values, the real consequences of believing those excuses, and practical ways to recognize and stop the justification-binge cycle before it takes over.This episode is especially helpful for anyone recovering from binge eating disorder, food addiction, emotional eating, or compulsive eating who wants to build food sobriety, self-trust, and long-term freedom with food.

In this week's episode of the Merchant Sales Podcast, James Shepherd sits down with Juan Ortiz for a motivating and strategy-packed conversation on setting goals for 2026 and choosing the right vertical. Juan shares practical guidance for agents and ISOs on how to focus, niche down, and build a plan that actually drives measurable growth in the coming year. Together, they dig into the challenges reps face today and the mindset shifts needed to win in an increasingly verticalized payments landscape. After the interview, James and Patti Murphy bring you another Today in Payments update, offering a quick look at what's happening across the industry right now.

Living food sober in a world full of triggers isn't easy, especially when food is used to be your coping mechanism for stress, emotions, and overwhelm. In this episode, Mary walks you through how to build your Food Sober Toolbox a personalized set of tools, habits, and systems designed to help you stay grounded, reduce cravings, and protect your recovery.You'll learn the essential emotional, physical, mindset, and support tools that make food sobriety sustainable long-term not just on the good days. Whether you're just starting your food addiction recovery or years into your food sober life, this episode gives you practical and empowering strategies you can start using today.Because willpower won't save your food sobriety…but the right tools will.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Today from SDPB - the latest on what South Dakota producers are saying about bridge payments from the federal government and a look at the Rapid City Fire Department's recruiting efforts for its Veterans Wildland Fuel Module.

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Im Payment & Banking Fintech Podcast spricht Dr. Themo Voswinckel, Mitgründer von Maesn, darüber, warum moderne Software-Integration zum entscheidenden Erfolgsfaktor geworden ist und wie eine Unified API Datensilos auflöst.

Market Overview and Insights on Private Credit – December 11, 2025 In this episode of Dividend Cafe, Brian Szytel provides an update on the financial markets from the Newport Beach office of The Bahnsen Group. The DOW closed up by 646 points, while the S&P had modest gains and NASDAQ saw a slight decline. Szytel discusses the rotation from growth to value sectors, the recent actions of the Federal Reserve, and their impacts on the market. He also covers upcoming deregulatory changes and tax cuts, a weakening labor market, and concerns about overstated employment numbers. Additionally, he answers a listener question about payment-in-kind (PIK) in private credit, explaining the risks and how such loans are typically managed. He concludes by emphasizing the past three years' market performance and the potential for slower growth ahead. 00:00 Introduction and Market Overview 00:14 Stock Market Performance 01:13 Bond Market Insights 01:35 Federal Reserve Actions and Economic Impact 03:15 Corporate Profits and Economic Outlook 04:10 Private Credit and Payment in Kind (PIK) 06:18 Conclusion and Final Thoughts Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

In this episode of the Food Freedom Podcast, Mary breaks down one of the most misunderstood parts of recovery: transfer addiction, when you stop one coping behavior, only to find yourself picking up another.If you've ever quit binge eating only to start nightly wine…Or stopped drinking but suddenly can't stop snacking…Or overly restricted food and found yourself scrolling, shopping, or staying “busy” to avoid feelings…You're not failing. You're experiencing a nervous system still searching for safety.Mary explains why transfer addiction happens, how it shows up in food addiction recovery, and what your brain is actually trying to protect you from. You'll learn the signs of transfer addiction, how to recognize when a “new” habit is really an emotional coping strategy, and what to do to break the cycle for good.This episode gives you practical tools to support your nervous system, regulate emotions without numbing, and build real food sobriety without swapping one addiction for another.If you're healing binge eating, emotional eating, compulsive behaviors, or any form of food addiction, this episode will help you understand what's really going on and how to move forward with clarity and compassion.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Artificial Intelligence News: Beast System News: ALASKA Advances AI-Powered DIGITAL IDENTITY SYSTEM linking ID and Payments [4IR TECH]To support the [Show] and its [Research] with Donations, please send all funds and gifts to :$aigner2019 (cashapp) or https://www.paypal.me/Aigner2019 or Zelle (1-617-821-3168). Shalom Aleikhem!

On this week's Tillage Podcast we have all the latest news from a pilot scheme to be paid for sustainability, CBAM, a report from the Irish Tillage and Land Use Society's winter conference and a chat with the Ag Sense team. Klara Finkele of Met Éireann and David O'Connor of DCU will chat all things blight forecasting and diagnostics.The Tillage Podcast is supported by Bayer Crop Science. Hosted on Acast. See acast.com/privacy for more information.

Colossians Chapter 1 Study: The Preeminence of Christ and Reconciliation Introduction Encouragement to study Colossians chapter 1, focusing on the preeminence of Christ and the power of God. Acknowledging personal feelings of inadequacy but emphasizing trust in God’s power to feed His sheep. God uses “foolishness of preaching” to save believers. Reference to Colossians 1:18-22 as the text for the message. “And he is the head of the body, the church: who is the beginning, the firstborn from the dead; that in all things he might have the preeminence.” “For it pleased the Father that in him should all fullness dwell;” “And, having made peace through the blood of his cross, by him to reconcile all things unto himself; by him, I say, whether they be things in earth, or things in heaven.” “And you, that were sometime alienated and enemies in your mind by wicked works, yet now hath he reconciled” “In the body of his flesh through death, to present you holy and unblameable and unreprovable in his sight” Prayer for God’s help and for the truth to find its place in hearts. The Inward Man vs. The Outward Man Concept of Inner and Outer Self Most people don’t understand the concept of the inward and outward man. There is an unseen man on the inside. God looks at the heart (inward man), not just the outward appearance. Example: Samuel anointing a new king for Israel. Salvation of the Inward Man God saves the inward man, not the outward man (which returns to dust). The inward man must be reconciled to God. The Second Death If one is only born once (physically), there are two deaths in the future. It’s dangerous to be unreconciled to God, even momentarily. If you die without being born again, your soul is unprepared to meet God. Eternity is the most important subject to consider. Need to call on God before it’s too late. God’s Work of Reconciliation and Cleansing Miraculous Work of Salvation Personal testimony of being saved in 1976. Salvation is a miraculous, irreversible work that provides eternal life. Promise of never perishing. Ephesians 1:3-4, 7 Blessed with spiritual blessings in heavenly places in Christ. Chosen in Him before the foundation of the world to be holy and without blame. Redemption through His blood and forgiveness of sins according to the riches of His grace. Colossians 1:22 Presented holy, unblameable, and unreprovable in His sight through the body of His flesh through death. Reconciliation Through Christ’s Blood God reconciled us through the blood of Jesus Christ. Jesus paid for and cleansed us of all sin (past, present, and future). God paid the penalty for our sin debt before we ever could. Calvary’s cross provided forgiveness for all future sins. Promise of being presented to the Father as holy, unblameable, and unreprovable. Purity of the Bride of Christ The bride of Christ (the church) has been made pure. God chose us before the foundation of the world and made a way for all sins to be paid for on the cross. We are made holy, unblameable, and unreprovable through Jesus’ sacrifice. Ephesians 1:4 Confirmation We should be holy and without blame before Him in love. Eternal Security Once born again, one is forever taken care of and will never be lost again. God’s plan at Calvary satisfied the justice of God for the penalty of man’s sin. God recognizes the work of His Son in us, making us holy, unblameable, and unreprovable. We are the sons of God because of the blood shed for our souls. We go to heaven because of what Jesus did, not what we’ve done. Addressing the Misconception of License to Sin Addressing the Misconception Addressing the idea that being forever clean gives a license to sin. Apostle Paul’s response in Romans: “How shall we, that are dead to sin, live any longer therein?” Born-again individuals cannot live in sin. A new creature inside loves what was once hated and hates what was once loved. If truly born again, something bigger on the inside will chastise and bring one home. Isaiah 1:18 Though sins be as scarlet, they shall be as white as snow; though they be red like crimson, they shall be as wool. Jesus Christ’s sacrifice makes us white and clean in the blood of the Lamb. Everything we’ve ever done falls under the blood of Jesus Christ. Desire to Live Righteously Desire to live the way God wants us to live, not alienated from God or the church. Wanting to live without sin in our hearts. Payment for All Sin At salvation, all sins (past, present, and future) were paid for with Jesus’ blood. God accepted that payment and purged us of sin. Sealed to the Day of Redemption God sealed what He made white, pure, holy, unblameable, and unreprovable with the power of His Holy Spirit. Sins are gone and under the blood of Jesus Christ. Importance of Repentance and Fellowship Fellowship with God depends on willingness to repent daily. Repentance restores fellowship with God. Even if death occurs without a moment to repent, one dies clean, holy, unblameable, and unreprovable because the blood paid for all sin. Everything needed to make us perfect in Christ has been done. Freedom from Fear Freedom from living in fear over salvation. Belief in Jesus’ words: “I give unto them eternal life; and they shall never perish.” This statement is valid only if all sins were paid for, not just in part. Made holy, unblameable, and unreprovable and sealed to the day of redemption. Holiness and Righteousness Imputed Through Christ Being Holy as God is Holy The only way to be holy is through Christ. Romans 4:22-25 Righteousness was imputed to Abraham because of his faith. This was written for us also, to whom it shall be imputed if we believe on Him who raised Jesus our Lord from the dead. Jesus was delivered for our offenses and raised again for our justification. Presented as Holy Jesus will present us to God the Father as holy. Holy means righteous, all right, not wrong. Focus on the inward man, not the outward man. Righteousness of Christ Imputed The righteousness of Jesus Christ, not our own, is imputed to us when we turn our hearts over to Christ. It was laid to our account and placed in our hearts, sealed until the day of redemption. Assurance of Salvation Not worrying about sin because, according to the Word of God, sins are gone. Sins are under the blood and gone forever. Living as Holy in Heart Desire to live as holy in the flesh as we are in the heart. God doesn’t halfway forgive sin; He forgives all sin. We are clean and white in the eyes of God. God’s Justice Satisfied The blood of Jesus Christ satisfied God’s justice. We are presented holy, unblameable, and unreprovable in His sight. This is only possible if He deals with our sin, which He did. Eternal Payment for Sin Jesus forever paid our sin debt, and we are saved forevermore. If He didn’t preserve us in that white, holy condition, we wouldn’t have a chance of getting into heaven. Every hope is anchored in the blood of the Lamb. Saved because of what Jesus did, the propitiation for all our sin. Unblameable and Unreprovable: A Miraculous Work Unblameable and Unreprovable Holy, unblameable, and unreprovable are the same concept. A person who cannot be blamed cannot be reproved. Reproving in the flesh helps us walk according to what’s in the heart. Cannot reprove what’s inside the soul; it’s either right with God or not. God had to do something miraculous to make our souls unblameable. Superiority of New Covenant We have something Job didn’t have. Job had great faith, but the blood of Jesus Christ had not yet been shed. Jesus rose from the dead, gathered up that blood, and presented it to God the Father as payment for our sins. Everyone who bows in the name of Jesus Christ can be born again and have their sins washed away. Perfection Through Christ Cannot be saved again because you can’t make perfect water. Cannot go to heaven if you aren’t perfect. Hebrews 9:11-12 Christ came as a high priest of good things to come, by a greater and more perfect tabernacle. He entered the holy place once with His own blood, having obtained eternal redemption for us. He made us perfect on the inside. John 1:29 John the Baptist saw Jesus coming and said, “Behold the Lamb of God, which taketh away the sin of the world.” Jesus died for sins we’ve yet to commit. Salvation wouldn’t be worth anything if it only covered past sins. He died for the sin of the whole world. God’s Perspective God will present us to the Father as holy, unblameable, and unreprovable. If God says we are unblameable and unreprovable in His sight, we should rejoice. No boasting or works are involved; we have no means of getting to God except through the finished work of Jesus Christ. Cleansing from All Sin and the New Birth 1 John 1:7 If we walk in the light as He is in the light, we have fellowship with one another, and the blood of Jesus Christ, His Son, cleanses us from all sin. Cleansing from all sin is not about turning over a new leaf. Worthlessness of Self-Righteousness Salvation is not about what we do or will do. Kicking habits or stopping addictions doesn’t merit favor with God. Our righteousness is nothing but filthy rags. The flesh will return to dust, but something inside us was forever made holy and unblameable. Necessity of New Birth Either Jesus’ blood was sufficient for all our sins, or we need to live in constant fear. God knew saving the flesh was impossible because its nature is sinful. Jesus told Nicodemus we must be born again. We are new creatures in Christ because we are born again in the Spirit of God. Two Births, One Death Born once, die twice (physical death and lake of fire). Born twice, die once (only physical death). Boasting in the Lamb of God Boasting about the Lamb of God who shed His blood for our souls. Because we’ve been born again, we get to go to heaven, holy, unblameable, and unreprovable. Romans 3:24 Being justified freely by His grace through the redemption that is in Christ Jesus. Justified means there is no condemnation, sin, or culpability. Devil’s Accusations The devil tries to blame, accuse, and reprove us. We end up at the altar where we bow our knee to Him, and the Holy Ghost of God purges us of sin. We have been made clean in the sight of God. We have something to be grateful for; God made a way. We can’t mess this up. Eternal Security and the Gift of Salvation No Need for Retuning No need to get “tuned up” on the inside man again. There is no “black” (sin) inside; it’s all in the nature of the flesh. That which He bought, purged, cleansed, and sealed to the day of redemption must be perfect and holy. Jesus’ promises of eternal life and never perishing would mean nothing if our sins weren’t gone forever. Justification Through Grace Being justified just as if we’d never sinned, freely by His grace through the redemption in Christ Jesus. God set forth Jesus to be a propitiation through faith in His blood. Assurance of Salvation The gift we got will never be in question. Hope that others have experienced the same and will get there. If you die tonight and have been born again, He will present you unto God holy, unblameable, and unreprovable. He did the work once, immediately, for all, and then sealed it. Salvation by Grace, Not Works We get to go to heaven not because of anything we’ve done that was good. No message preached or good deed done will get us into heaven. For the same reason good works won’t get us in, bad works cannot keep us out. Purged and Sealed He purged our sin, looked into the inward man, and identified all the dark past and future sins. The blood has paid for all sin, and it was cleansed and made white that day. He sealed it until the day He redeems us. Day of Redemption The day of redemption is when this old body expires. To be absent from the body is to be present with the Lord. The Holy Spirit will no longer need to be sealed on us; we will be with Him. Doctrinal Belief This is doctrinal to our faith and what we believe. Sometimes we don’t remind ourselves of what great gift God has given us. Illustration of the Slave Girl and the Auction Block Story of the Slave Girl A young slave girl was being sold on the auction block, stripped from her family. She grew hateful toward all those bidding for her. One man bid a price far above what anyone else could pay and bought her. He tore up her papers and said, “You’re free.” She went after him and said she would serve him for the rest of her life. He bought her so he could set her free. Application to Salvation We serve God because we are debtors to Him. We will never be able to repay Him for what He did for us that day as a child. After millions of years, we will still be thanking Him for saving our souls. God’s Perspective When we see our regret, God sees the cross. When we see our sin debt, God sees the price paid in full by His only begotten Son. When we see our multitude of sins, God sees the blood of the spotless Lamb. When we say, “O wretched man that I am,” God says we are righteous because of Jesus Christ and what has been imputed into our hearts. Living a Life Worthy of Salvation Sons of God Whether we act like it or not, if we’ve been born again, the blood of Jesus Christ has made us sons of God. We ought to act like it and live every day of our lives 100% sold out and surrendered to the will of Jesus Christ. He’s worthy of no less than that. Assurance of Salvation If you’ve been born again, you’re going to heaven. He’s going to present you unto the Father, holy, unblameable, and unreprovable. You don’t deserve to go, but He made you worthy. That’s worth living for; whatever He says to do, we ought to do it. There aren’t enough devils in hell to keep us out of it if we’ve been born again. Ephesians 2:8 For by grace are ye saved through faith; and that not of yourselves: it is the gift of God. The only thing you can do with a gift is receive it. Invitation to Receive the Gift God made a way for you to be saved tonight. Religion won’t get you there; you must know Jesus Christ as your Savior. If you know Him in the free pardon of sin, who has done a work in you and made you holy, unblameable, and imputed the righteousness of the perfect one, then you can raise your hand and say thank you. Come forward if you don’t know Him tonight and receive this gift. Gratitude for Salvation Thank God for the blood of Jesus Christ. We have a lot to be grateful for. We can fall on our knees every day and shout hallelujah; He’s made us clean through the blood of the Lamb.

Dr. Andreas Seifert, CEO von Easybill, nimmt uns mit auf die Reise vom Morgen an der Elbe ins Zentrum eines der technisch unterschätztesten Geschäftsfelder: Rechnungsstellung. Im Gespräch mit Carsten Puschmann erklärt Andreas, warum Produkt-Tiefe und Compliance die unsichtbaren Wettbewerbsvorteile sind, wie Easybill 50.000 aktive Kunden gewonnen hat — und warum die anstehende Pflicht zur E-Rechnung (01.01.2028) ein riesiger Wachstumshebel für europäische SaaS-Player ist.Wir reden über:

You keep thinking fear is a sign to stop. But fear is the portal. In this episode, I show you why your fear is the exact doorway to the reality you keep begging the universe for, and how your old belief loops, trauma bonds, and energy leaks are the only things blocking it. If you've been stuck in lack, looping in “I can't,” this one's going to crack you open.Get the first month of SSOM free with code FREE1SSOM: manifestingmiracles.thinkific.com/pages/membershipsCHAPTERS:1:45 – The Energy of Fear and Why It's Trying to Help You3:20 – Why Everything in Your Life Is Just a Reflection of Your Belief Loops6:10 – Childhood Lies, Ancestral Trauma, and How You Got Programmed9:00 – Nervous System Regulation and the Frequency of Wealth11:30 – Subconscious Healing + Community Support12:50 – Soul Contract Course + 2026 Energy Reset16:00 – Stop Blocking the Life That's Begging to Find You

Keith Grossman, President at MoonPay, joined me to discuss how the firm is unlocking crypto access for both retail and institutional users.Topics: - MoonPay's crypto payment solutions - MoonPay Mastercard and Pump Fun integrations - TradFi Crypto Adoption- Web2 and tech companies transitioning to Web3 - Future of crypto payments - Tokenization of assets and human behaviorBrought to you by

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com The future of healthcare payments depends on harmonizing payers, providers, and consumers through speed, transparency, and control. In this episode, Dylan Papa, Senior Vice President of Commercial Growth for Payments Optimization at Zelis, discusses how the healthcare payments ecosystem is shifting toward deeper collaboration, improved data utilization, and a more modern financial experience for everyone involved. He explains how providers increasingly seek secure, simple, and fast transactions—and how payers benefit when data empowers both sides to reduce denials, improve forecasting, and operate with greater clarity. Dylan also outlines how new consumer expectations are pushing healthcare toward more personalized benefit designs and transparent financial interactions. Looking ahead, he shares Zelis' vision of transforming payments from an administrative burden into a strategic asset through a unified platform that can harmonize fragmented systems, outdated technology stacks, and inconsistent treasury infrastructures. Tune in and learn how modern payment platforms are reshaping speed, transparency, and trust across the healthcare ecosystem! Resources Connect with and follow Dr. Kianor Shah on LinkedIn. Visit the Global Summits Institute website!

In this episode, Brian Berkowitz, Chief Product Officer at Lyric, discusses how AI, data, and trusted intelligence zones can reduce administrative friction, strengthen collaboration between payers and providers, and build a more transparent and efficient payment integrity ecosystem.This episode is sponsored by Lyric.ai.

Shoot us a Text.Episode #1215: Today we break down why monthly payments keep climbing despite improving fundamentals, VinFast's shrinking U.S. footprint as it pivots overseas, and VaynerMedia's Anti-Trend Report showing why trend-chasing is officially dead in 2026.Show Notes with links:New-vehicle payments hit a November record at $760, but underneath the headline, several affordability pressures are actually starting to ease. Softer interest rates and strong used-vehicle values are helping cushion buyers as the market normalizes into year-end.Rates dipped to 6.1% and robust used values are keeping trade-in equity near historic highs.Dealer profits stayed steady at $2,161 per vehicle, showing margin stability.However, negative equity rose to 27% of all trades and lease expirations are down 15% YoY and 50% vs. 2023“How aggressively manufacturers choose to adjust discounting and promotional activity during December will be critical in shaping the close of 2025.” said J.D. Power's Thomas King.VinFast's retreat from the U.S. market is accelerating as its retail network falls below two dozen active stores. Falling sales, stalled product plans, and shifting global priorities are prompting dealers to exit while the brand refocuses on markets where demand is stronger.Holman's North Carolina store — VinFast's first U.S. franchise — ends sales Dec. 31, marking the third dealer exit in six months.U.S. registrations fell 57% through October, even as overall EV sales grew 11% in the same period.Several listed stores show no inventory or are “coming soon,” and many active rooftops have 15 or fewer vehicles in stock.“Given the tariff situation and the instability in the EV market, we just need to see how that settles before we push hard in the U.S.,” said VinFast chairwoman Thuy Thu Le.VaynerMedia's new Anti-Trend Report argues that social trends are collapsing faster than ever, making 2026 the year brands stop chasing virality and start pursuing genuine relevance. With algorithms fragmenting attention, emotional connection becomes the new competitive advantage.The report says trend fatigue is accelerating — trends now fade 14x faster than they used to, and 1/3 of consumers think brands “jumping on viral trends” is embarrassing.Platforms are blurring: TikTok layouts show up on Instagram, Facebook-style text posts appear everywhere — meaning content format matters more than platform identity.Audiences expect authenticity, not broadcasts; brands must create two-way social conversations, not passive content streams.“In 2026, the brands that win won't be those who shout the loudest, but those who show up the most real.” — Allan Blair, SVP & Head of Strategy, VaynerMediaThank you to today's sponsor, Mia. Capture more revenue, protect CSI, and never miss a call or connection again with 24/7 phone coverage and texJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Jay Trutt walks through the real story behind the Bridge Payment by Trump who claims to love farmers. AI the impact on learning and the depletion of resources locally.

This episode goes deep into the mechanics of scaling a company from steady growth to breakout velocity. Peter shares how Spreedly quadrupled ARR growth in his first year without increasing OPEX, why the “right people pointed at the right problems” is everything, and how to decide which problems are existential versus learn-as-you-go.We dissect how go-to-market organizations evolve from $20M to $100M ARR, the power of focus and role separation, and how to keep silos aligned around one customer story.Peter also explains the shift from “payments orchestration” to “open payments” and how Spreedly's position as the original player in the space gives them unique leverage. We walk through the future of agentic commerce, Google's new agent-to-agent payments protocol, and what it means when agents can transact faster than any human could ever shop.We close out with the Dodgeball acquisition, a primer on fraud orchestration, and a wild story about working an entire night shift at a nightclub during a meltdown launch.Topics Covered:How Peter defines the journey to presidencyThe “right person, right problem” frameworkOne-way vs two-way doors for staffing big problemsHow to scale a GTM org from $20M to $100MWhy open payments replaces orchestrationSpreedly's unique market position and 15-year head startAgent to agent commerce and Google's new payments protocolHow AI changes the velocity of money movementFraud orchestration and Spreedly's acquisition of DodgeballBalancing profitable growth vs growth at all costsPerception vs reality in leadershipPeter's wildest “I never thought I'd see that” story 

In this episode of the Food Freedom podcast, Mary dives into the deceptive trap of the comfort zone and why it's one of the biggest obstacles to real recovery from food addiction and disordered eating.If you've ever felt “stuck” in your healing journey, this episode will challenge the lie that comfort equals safety. Mary explains how staying in your comfort zone leads to shrinking dreams, fading confidence, and a stalled recovery. You'll learn how avoidance creates emotional decay, why growth feels uncomfortable by design, and how to start expanding your capacity to face cravings, triggers, and hard emotions without food.This episode is a wake-up call for anyone using food to cope, numb, or avoid. It's time to break out of what's familiar and step into freedom, one uncomfortable choice at a time.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

If you run a small or mid-sized retail business and feel stuck between legacy tools and rising customer expectations, this conversation is your playbook for breaking through. We sit down with Unzer CEO Robert Bueninck to unpack how bundling software and payments helps merchants deliver seamless experiences across in-store and online without enterprise budgets or heavyweight integrations.Robert traces his journey from early Klarna days to leading Unzer's “payments and beyond” ecosystem, and lays out why the mid-market is the most underserved (and most promising) space in European commerce. We dive into the practical ways software plus payments drives real outcomes: faster onboarding, unified reporting, and simpler support when QR ordering, click-and-collect, or in-store returns marry e-commerce and POS. He explains Unzer's focus on food services, beauty, and apparel, and how a clear build-partner boundary keeps products sharp while letting merchants scale when complexity grows.We also dig into Europe's unique payments fabric. Alternative payment methods and account-to-account rails already dominate online checkout in markets like the Netherlands and Belgium, changing merchant economics with lower cost and instant funds. BNPL fills the buyer-protection gap, while policymakers push toward a pan-European A2A framework and greater vendor independence. Robert separates hype from habit on agentic commerce and stablecoins, arguing that adoption only happens when the new flow truly makes life easier for shoppers and staff and that's where the mid-market wins.Looking ahead, Robert outlines Unzer's growth bets: expand combined software and payments across core markets, bring all products to all regions, and help “make Germany digital” as a foundation for broader European reach.  If you care about SMB retail, omnichannel checkout, A2A payments, BNPL, and the future of European payments infrastructure, you'll find plenty to act on here.

In this episode of Banking on Fraudology, Hailey Windham reflects on a transformational year in fraud by unpacking recent, high-stakes cases and zooming out to address the "seismic shift" in the payment ecosystem. The conversation dives into the industry's evolution , highlighting how human intuition, technology, and a unified view of risk are shaping the future of fraud prevention. Key Takeaways: Cases, Controls, and the Future of PaymentsEmpathy and Human Intuition are Essential: The episode shares several cases that underscore the power of the human element.The Mrs. Doubtfire Scam: A bizarre case where a man disguised himself as his deceased 82-year-old mother to collect her pension for three years. The case was cracked by a frontline clerk who noticed the hands looked too young and the voice slipped, proving that intuition is irreplaceable. The Frontline Hero: A Missouri bank teller saved a woman from a jury duty arrest scam by quietly slipping her a note, proving that no AI system can replace human compassion and intuition. The End of Siloed Intelligence (Internal Threat): Insider threats highlight a control problem, not just an employee problem. Cases involving unauthorized withdrawals, debit card ordering, and forged checks by multiple employees at a major US bank point to patterns of inadequate monitoring and excessive permissions. The Tacoma Credit Union case, where a remote employee stole $345,000 weeks after hire, reinforces that remote work requires stronger oversight, and new hires are high-risk periods. Innovation is Working For Us (External Threats): Scams are evolving alongside technology. Scammers are using real bank activity (transaction amounts and timestamps) to build trust and bypass knowledge-based authentication. New tactics include fake CAPTCHAs that install malware to bypass 2FA, log keystrokes, and spy on sessions, leading to rapidly climbing losses. The State of the Fraud Fighter (Payment Rail Shift): The industry must adapt to the speed of instant payments. Scams are the #1 driver of losses across every rail (ACH, Wires, P2P, Zelle, RTP, FedNow); the vulnerability is social engineering, not the rail itself. The number one strategic imperative is to build a unified, real-time view of risk across every payment rail, as regulators now demand real-time resilience and proof that harm could have been prevented. Get in the mood of being grateful for the fraud-fighting community, and be reminded of how strong the fraud-fighting community truly is. Show Notes — Resources & Articles MentionedInsider Fraud Cases1 - Multiple Trust Employees Accused of Draining Customer Accounts — $363,452 in Losses2 - The “Mrs. Doubtfire” Fraud Case (Italian Identity Fraud Scandal) - Source via Frank on Fraud (PDF)3 - Tacoma Credit Union Insider Steals...

Mitt Walker brings us the latest on the $12 Billion bridge payment announced on Dec. 8 by President Trump.The website Mitt referenced is:https://dm.epiq11.com/case/hansenmueller/infoFind out more about our sponsor, Alabama Ag Credit, and also about Alabama Farmers Federation.

For episode 650 of the BlockHash Podcast, host Brandon Zemp is joined by Kyle Sonlin, President of the Global Settlement Network.Global Settlement's blockchain allows for payments, tokenization and stablecoin solutions to empower financial institutions and governments to integrate blockchain and digital assets into their business in a secure, compliant, and interoperable way—all in one place. ⏳ Timestamps: (0:00) SUMSUB(0:44) Introduction(1:18) Who is Kyle Sonlin?(3:26) What is Global Settlement Network?(8:26) Importance of stablecoins in the future(10:53) Friction points in TradFi(11:37) SUMSUB(12:04) Is Quantum a threat to Crypto?(13:30) Global Settlement Network at Blockchain Futurist(15:34) How to contact GSN 

Community and regional banks operate in an environment of perpetual tension. They need to grow deposits and drive lending profitability while managing operating costs that threaten to overwhelm smaller institutions. They must also prevent increasingly sophisticated fraud while delivering customer experiences that match Amazon and Netflix. And they need to do all of this while building technology foundations that won't become obsolete before the implementation is complete. At FIS's Emerald 2025 conference in Orlando, Peter Boyer, head of banking at FIS, and Craig Focardi, principal analyst at Celent, discussed how financial institutions are navigating these competing demands. Focardi and Boyer discuss how modernization is now a continuous process of adaptation, and that the institutions most likely to succeed will focus on enabling agility rather than chasing specific technologies. "If you really take a step back and think about regional and community banking, there's a couple headwinds or tailwinds, that are driving how banks are thinking about the market," Boyer explained. "One is deposit growth and profitability growth through lending. Every bank right now is thinking, how do I grow? What is my sweet spot in my segment? Thing two is operating costs. How do they continue to drive a more efficient bank? AI is a big topic on that particular solution. And thing three is fraud. How do you protect the banking ecosystem? You put those three together and you've got a meaningful amount of where the energy is in the market today."

In this episode's discussions around the Community Table, recorded in person at the October 2025 ClioCon legal tech conference: After a new client comes on board, within a week, your team needs to check back in. This is your chance to delight. If there's an issue, a misunderstanding, or a question, this is an opportunity fix it. Delighting a client is always better than simply satisfying a client. The right team answering incoming calls is vital. But how do you outsource that? How do you pay someone and where do you find them? And when is it time to hire your own, in-house, full-time employees to convert those calls to clients? Modern times lead to modern solutions. Today's buy now, pay later tools can help your firm retain clients by helping them manage payments. Alternative fee arrangements work, and innovative payment methods can remove barriers to attorney/client relationships. Ask us anything for the Community Table. Leave us a question online! Join the next Community Table discussion live! Always the third Thursday of the month at 3 p.m. Eastern. Mentioned in This Episode: Clio Capital LawPay Affirm buy now pay later Sunbit buy now pay later Highlights from ClioCon 2025 Clio ClioCon 2026, Oct. 26-27, 2026

Healing sounds inspiring… until it asks you to actually do the work.In this powerful episode, Mary breaks down the truth about food addiction recovery and why so many people stay stuck in the same binge cycles, guilt, shame, and self-sabotage for years.We talk about why comfort keeps you trapped, why dysfunction feels familiar, and why healing requires facing your emotions, changing your habits, and letting go of the coping mechanisms you've relied on for decades.If you've been saying you want food freedom but aren't taking the actions that lead to it this episode is your wake-up call. Healing will cost you something… but it will give you everything.Tune in and learn how to stop choosing comfort over the life you deserve.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

We revisit the rising problem of the “functionally uninsured” and ask how to restore real access for employees who delay care because of confusion and cost. Paymedix CEO Tom Policelli shares how a super EOB, upfront provider payment, and 0% financing change behavior and bend trend.• confusion outranking cost as the top barrier to care• hospitals pushing prepayment and the access wall it creates• income-tier patterns driving ER and inpatient overuse• super EOB mechanics and single monthly reconciliation• provider payment upfront and revenue-cycle relief• employer savings of two to three trend points annually• advisor positioning and retention benefits• partnerships with EXO Health to improve network economics• TempoPay for pharmacy access and first-dollar fills• risk management via broad pooling and automatic eligibility• national expansion through aligned partners and TPAs• a third path beyond prepay or bill-and-pray collections“Go to PayMedix.com.”This episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

In this episode's discussions around the Community Table, recorded in person at the October 2025 ClioCon legal tech conference: After a new client comes on board, within a week, your team needs to check back in. This is your chance to delight. If there's an issue, a misunderstanding, or a question, this is an opportunity fix it. Delighting a client is always better than simply satisfying a client. The right team answering incoming calls is vital. But how do you outsource that? How do you pay someone and where do you find them? And when is it time to hire your own, in-house, full-time employees to convert those calls to clients? Modern times lead to modern solutions. Today's buy now, pay later tools can help your firm retain clients by helping them manage payments. Alternative fee arrangements work, and innovative payment methods can remove barriers to attorney/client relationships. Ask us anything for the Community Table. Leave us a question online! Join the next Community Table discussion live! Always the third Thursday of the month at 3 p.m. Eastern. Mentioned in This Episode: Clio Capital LawPay Affirm buy now pay later Sunbit buy now pay later Highlights from ClioCon 2025 Clio ClioCon 2026, Oct. 26-27, 2026 Learn more about your ad choices. Visit megaphone.fm/adchoices

2 out of 3 internet users in the USA pay for Prime.  Yet, most of them are irrationally loyal.  They feel like the subscription provides more cost savings than reality.  Today, on Nudge, Richard Shotton and I explore the behavioural science behind Amazon Prime.  We look at the sunk-cost fallacy and pennies-a-day effect to explain why so many are irrationally loyal to Amazon Prime.  ---  Subscribe to the Nudge Vaults: https://www.nudgepodcast.com/vaults Read Richard's book: https://a.co/d/fEW7amQ Sign up for my newsletter: https://www.nudgepodcast.com/mailing-list Connect on LinkedIn: https://www.linkedin.com/in/phill-agnew-22213187/ Watch Nudge on YouTube: https://www.youtube.com/@nudgepodcast/  --- Today's sources: Arkes, H. R., & Blumer, C. (1985). The psychology of sunk cost. Organizational Behavior and Human Decision Processes, 35(1), 124–140. Gourville, J. T. (1998). Pennies-a-day: The effect of temporal reframing on transaction evaluation. Journal of Consumer Research, 24(4), 395–403. Gourville, J. T., & Soman, D. (1998). Payment depreciation: The behavioral effects of temporally separating payments from consumption. Journal of Consumer Research, 25(2), 160–174. Roth, S., Robbert, T., & Straus, L. (2015). On the sunk-cost effect in economic decision-making: A meta-analytic review. Business Research, 8(1), 99–138.

Today on our show:Black Friday Cyber Monday - You Devil You!Sam Altman Calls a Code Red to Stop Google ThreatAmazon and Visa Partner on Agentic PaymentsNike CEO Purges John Donahoe's Lieutenants- and finally, The Investor Minute which contains 3 items this week from the world of venture capital, acquisitions, and IPOs.Today's episode is sponsored by Mirakl.https://www.rmwcommerce.com/ecommerce-podcast-watsonweeklyThis podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Cody and Sabrina Gaddie. Cody shares the challenges and rewards of growing a mobile diagnostics business, including the importance of building processes and preparing for the business to run independently. Sabrina offers honest insights into the impact of business ownership on their relationship, stressing the need for communication and balancing personal well-being with supporting Cody's vision. The group also discusses the broader state of the industry, highlighting the struggle to find passionate new technicians and the need for better incentives and training for diagnostic work.00:00 "Making Business Valuable"08:30 "Navigating Partnership and Resentment"10:54 "Resentment Over Passion Priorities"16:27 Life-Changing Industry Events21:45 Streamlining Technical Support Processes29:50 Teaching Automotive Skills Efficiently35:38 Business Growth & Networking Challenges36:51 Collaborative Networking Among Entrepreneurs44:47 "Kid Hacks BIN Files Impressively"49:38 "Diag Pricing Debate Unveiled"53:51 Testing Explanation: Address vs. Zip Code01:00:57 "Lucas Calls Out the BS"01:03:04 "Mechanic Missteps and Recommendations"

The San Diego City Council will consider paying the largest settlement in U.S. history to the parents of a teenager shot and killed by a San Diego police officer. Plus, the future of license plate reader cameras in San Diego will be decided this week. And, a preview of this year's Holiday Bowl. NBC's Nicole Gomez has these stories and more, including meteorologist Sheena Parveen's forecast for this Monday, December 8, 2025.

Pajak answers a listener's question about getting into dirt work  From buying heavy equipment to validating demand and avoiding massive monthly payments. This episode shows you how to break into land clearing and site prep without drowning in debt or making the same mistakes that crush new operators. Comments and Questions are welcome. Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser.    Equip Expo 2026 Tickets: https://plus.mcievents.com/EquipExpo2026?RefId=PAJAK Upcoming Events:   Show Partners: Yardbook Simplify your business and be more profitable. Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you are earning, spending, and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/   Green Frog Web Design Get your first month for only $1 when you use code, PAJAK, and have your website LIVE in 3 weeks from projected start date or it is FREE for a year. https://www.greenfrogwebdesign.com/johnpajak My Service Area "Qualify Leads Based on Your Profitable Service Area." Click on this link for an exclusive offer for being a "Profits with Pajak" listener. https://myservicearea.com/pajak   Training and Courses Budgets, Breakevens, and Bottom Lines™ Workshop John Pajak's exclusive system is designed to help you avoid common failures and achieve your business' financial goals to be profitable and scale your business. https://www.johnpajak.com/offers/qvgvV8m3/checkout   Yardbook Training Workshops Learn one-on-one with John Pajak to use Yardbook like a pro to streamline your business and make more money! https://www.johnpajak.com/offers/aJ9YX7aB/checkout

Announcing Flow, the luxury self care and feminine energy retreat in Hue, Vietnam, happening May 24th–30th, 2026. This retreat is a transformative experience designed for women ready to release burnout, step out of the hustle, and reconnect with their inner flow. Join incredible like minded women in a luxurious, intimate setting where self-care meets soulful alignment, and leave with tools, practices, and inspiration to carry flow into every aspect of your life. Work with PhiFlow Luxury Self Care Feminine Energy Retreat May 24-30, 2026Learn more about 1:1 Coaching with Phi here.Apply for 1:1 Coaching with Phi here.Book a Human Design Reading with Phi here.Phi's book; The Great Unlearning: Awakening to Living an Aligned and Authentic Life.Message Phi on InstagramEmail Phi  Flow The Retreat now available shared luxury rooming Hi my love,I'm so glad you're here and listening. Today I want to share something that's been on my heart for a while… and it's deeply connected to my upcoming retreat in Vietnam next year 2026: Flow. Flow is my luxury feminine energy self care retreat in Hue, Vietnam taking place May 24th to the 30th, 2026. I've been hearing from so many of you in my DMs questions, hopes, and even little confessions about wanting to join but unsure about rooming options… Here's the good news: I know many of you have been hoping for this, so it feels so good to open up this possibility while still keeping the retreat intimate and luxurious. If you've been dreaming of attending but thought sharing wasn't possible, we're now offering shared rooms at the Flow Retreat.This means more women can access and experience the magic, the luxury, and feminine energy without compromising the intimacy of the space. It feels really beautiful to make this option available. For 7 days, 6 nights all inclusive meals 3 per day breakfast, lunch, dinner, activities, workshops it's $3,500 AUD (~$2,325 USD) in total for a solo room or $2,800 AUD per person ($1,860 USD) for a shared room. Secure your spot with a $500 deposit on my website phidang.com/flow-retreat. Payment plans available for example if you sign up in December for a solo that's $500 and then 5 x monthly payments after of $600. If you're doing a shared room $500 deposit than 5 x monthly payments of $480. If you have any questions I'd love to chat send me a DM on Instagram or an email! Feminine energy isn't weakness but wisdom Let's be clear: flow isn't about doing nothing. It isn't surrendering your agency. It's a dance: a delicate interplay between movement and stillness, action and intuition, masculine drive and feminine receptivity. It's knowing when to step forward and when to let the current carry you.In our culture, we've been trained to overvalue the push, the effort, the grind. I've been there.Long stretches of overwork, stress, and burnout… running on empty until my body finally demanded I listen. When I finally did, I realised: there's a rhythm beyond struggle, a power in ease, a strength in receiving.To be in flow is to trust life. To trust that you are supported even when you pause. To trust that your worth isn't tied to what you can do, but to the energy you bring simply by being yourself.Feminine energy, soft yet potent, rising to remind us that ease is not weakness… it's wisdom. A curated experience on Flow Retreat Imagine stepping into a day where you move with intention, nourish your body, awaken your senses, and follow the guidance of your own inner compass. That's what Flow Retreat is designed to offer: a safe space with like minded women to release the tension of constant doing, to reconnect with your natural rhythm and to feel the luxurious ease of your aligned feminine energy.We are collectively shifting. The era of relentless push is giving way. Force is softening. Flow is returning. With it comes a richer, more vibrant way of living; one where action and stillness,

The GENIUS Act brings regulatory clarity to stablecoins, but Conduit CEO Kirill Gertman argues that clarity alone won't guarantee success. Banks face a choice between building their own infrastructure or becoming the pipes for others. Kirill Gertman has watched the stablecoin industry evolve from multiple angles. He spent nearly two decades in financial services before founding Conduit in 2021, including six years in crypto and a stint as VP of product at BRD, which became Coinbase Wallet. His company grew 16x in 2024 by solving a practical problem: businesses in emerging markets were accumulating stablecoins to hedge against local currency volatility but couldn't use those balances in their day-to-day operations. Conduit now works with tier-one banks and multinational corporations, processing billions in cross-border payments. And with the GENIUS Act bringing the first comprehensive regulatory framework for stablecoins in the United States, Gertman argues the legislation's passage raises as many strategic questions as it answers—particularly for banks that have been sitting on the sidelines. Today, we'll explore why the GENIUS Act matters, the critical difference between stablecoins and deposit tokens, what strategy banks should actually pursue, and where Gertman sees the industry heading as major players race to build vertically integrated stacks.

19 Minutes PodcastIn today's podcast Chris has a conversation with Paul Neiffer the FarmCPA on SDRP Stage 2. We review how it works, the fact it is yield only and if your final yield is more than 95% of APH you will not collect any payment. We also review how much of an extra payment coming under Stage 1 in mid-2026. We also review the estimates for 2025 ARC/PLC to be paid next year. Finally, we discuss the bridge payment that may be announced this week

New Consumer Reports data puts Tesla in the top ten most reliable car brands. Plus: a Tesla higher-up teases a possible Robovan-based RV platform, Rivian launches a bold new limited-edition paint color option, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. LAST CALL – DOUBLE-EV RAFFLE FOR A GREAT CAUSE: ClimateXChange is back with their 10th annual EV raffle, and this year there are TWO raffles: a Luxury Raffle with a grand prize of ANY EV you want up to $120,000, and a second Mini-Raffle with a grand prize of any EV up to $45,000 (such as a Model 3 or Model Y). Enter now at https://www.carbonraffle.org/rtl – December 8 is your last chance to enter! INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!).