Podcasts about refunds

Episode: 403 Hosts: Andy Shiles — LinkedIn. & Lalo Solorzano — LinkedIn. (linkedin.com) Guest(s): Hal Berman — LinkedIn. (linkedin.com) Published: November/December 2025 Length: ~44 minutes Presented by: Global Training Center

See omnystudio.com/listener for privacy information.

Today, I'm giving you part three of the AppSumo saga. Black Friday was rough, targets got missed, and the team felt it. But I zoomed out and the signals actually looked way better than expected. Refunds are dropping, deal quality is rising, customer sentiment is improving, and we're finally stabilizing the business after a horrible year. So in this episode I break down our simple three part plan to see out 2025, and talk about bundles, new partner offerings, the future of software, and how leadership really works when the scoreboard looks ugly. It's honestly the most exciting I've felt about AppSumo's horizon in a long time. In this conversation you'll enjoy 3 BIG things: How to course-correct when your Black Friday deal flops hard What I do when customers stop clicking How to avoid repeating the same mistakes next quarter Enjoy these 3 things plus many nuggets along the way. My book Million Dollar Weekend is for aspiring entrepreneurs who dream of starting their own business. I break down the process of starting into simple steps that you can do in just one weekend.   I have also been sharing emails on my brutally honest advice on a variety of topics. People have been loving it. Sign up at noahkagan.com and join 350k other people who get juicy insights every month.

U.S. farm safety net programs are projected to deliver more than $13.5 billion in payments for the 2025 crop year, and President Trump lifted the 40% tariffs he imposed in July on Brazilian food imports, easing strain on agricultural markets.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [DS]/[CB] are moving forward with their tax plan world wide, this will destroy their [CB] system. You can now see the difference between the red states and blue states. The American replacement of foreign workers is now in progress. Trump reveals the economic plan to the people. Trump tested the [DS], they used lawfare and the activist judges to dismiss the cases of Comey and James. The prosecution is continues, appeals coming. Time to impeach the Judges. Trump is on the verge of making a peace deal with Russia and Ukraine and the [DS] is trying to stop him. Trump places a target on the Muslim Brotherhood, he will designate them as a terrorist group. The only way is the military, military tribunals. Economy https://twitter.com/disclosetv/status/1992258797830873248?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Tick, Tick , Tick: Study Shows California Losing A Taxpayer Every Minute  California is facing a perfect storm in finances, with a crippling deficit and a declining tax base. Now, a study of IRS data by the National Taxpayers Union Foundation found that California is losing a taxpayer roughly every minute, as states like Florida, Texas, and North Carolina attract new residents due to lower taxes and higher standards of living. In comparison, Florida gains a new taxpayer every 2 minutes and 9 seconds while Texas gains one every 2 minutes and 53 seconds. The result has been a bonanza for Florida, which is now collecting $4 billion more per year for its budget. The states losing taxpayers at the fastest rate are California, New York, and Illinois. Here is the rate of loss: California: every 1 minute and 44 secondsNew York: every 2 minutes and 23 secondsIllinois: every 6 minutes and 4 seconds.Massachusetts: every 11 minutes and 38 secondsNew Jersey: every 14 minutes and 14 seconds. Source: zerohedge.com https://twitter.com/KobeissiLetter/status/1992969030186025199?s=20   considering allowing Nvidia, $NVDA, to sell advanced AI chips to China.    accurate. Now we can set our sights on the big picture. To that end, President Xi invited me to visit Beijing in April, which I accepted, and I reciprocated where he will be my guest for a State Visit in the U.S. later in the year. We agreed that it is important that we communicate often, which I look forward to doing. Thank you for your attention to this matter!   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA https://twitter.com/profstonge/status/1992933719192277169?s=20 https://twitter.com/KobeissiLetter/status/1992651508744065266?s=20   other hand, 34% see gold prices falling below $4,000, with 26% anticipating a range of $3,500 to $4,000. Meanwhile, 39% of professional investors in the survey do not own any gold in their portfolios. Gold is also no longer “the most crowded” trade after topping that list for the first time in October. Wall Street is still  unconvinced about gold.    apply to, without avoidance, and the amounts payable to the USA will SKYROCKET, over and above the already historic levels of dollars received. These payments will be RECORD SETTING, and put our Nation on a new and unprecedented course. We are already the “hottest” Country anywhere in the World, but this Tariff POWER will bring America National Security and Wealth the likes of which has never been seen before. Those opposing us are serving hostile foreign interests that are not aligned with the success, safety and prosperity of the USA. They couldn't care less about us. I look so much forward to the United States Supreme Court's decision on this urgent and time sensitive matter so that we can continue, in an uninterrupted manner to, MAKE AMERICA GREAT AGAIN! Thank you for your attention to this matter! President DJT https://twitter.com/589bull10000/status/1992941720628047931?s=20   Read what he actually said: – Importers burned through the “stock up” dodge – Now they're trapped— everything they buy gets hit – Tariff revenue is about to explode vertically – America becomes a trade-powered superstate – And anyone opposing it is “serving hostile foreign interests ” If SCOTUS blocks this, they're siding with the global parasites not the American people. This is the keystone to the entire monetary reset: • RLUSD as the digital dollar • XRP/XDC settling global flow • ISO 20022 rails snapping together • Ripple + BNY Mellon wiring the system • BRICS commodity shift accelerating • Iraq's IQD prepping for international use • Tariffs funding the transition away from income tax It's all connected and Trump knows exactly what he's doing. He's daring SCOTUS to kill the revenue engine powering America's comeback. Refunds? Please. That would nuke the entire global architecture being built right now. SCOTUS isn't suicidal. This is the moment the old system dies and the new one comes online. You're watching the reset happen in real time Political/Rights https://twitter.com/RobertMSterling/status/1992807431747891538?s=20 https://twitter.com/TriciaOhio/status/1992956196794343889?s=20   used their training and appropriate force. https://twitter.com/DHSgov/status/1992972952313249990?s=20 https://twitter.com/Geiger_Capital/status/1992731012174954975?s=20   immigration.” The 1924 Act passed the House and Senate with overwhelming support. Democrats AND Republicans agreed. The bill introduced tight immigration quotas, new visa requirements, the Border Patrol, and outright banned immigrants from certain countries that we viewed as incompatible with our culture. It dramatically reduced the number of people coming into the country, and provided an opportunity for the recent “great wave” of immigrants to assimilate. By the 1940’s and 1950’s, American society thrived with a boomimg economy, rising middle class, common culture and limited immigration. The Act was in place until 1965. Since then, we have experienced decades of *historic* immigration, both legal and illegal. Today we have higher levels of foreign-born than the early 1900's by both raw number and percentage of population. This mass immigration has also included vastly different cultures than the mostly Europeans we accepted then. It's obvious that we once again need to make a national policy shift, and it should be bipartisan… It's time for another Immigration Act. https://twitter.com/elonmusk/status/1992591518314668440?s=20 https://twitter.com/EndWokeness/status/1992794921569517639?s=20 DOGE  https://twitter.com/ElectionWiz/status/1992754205308944525?s=20 https://twitter.com/drawandstrike/status/1992765443052814719?s=20 based on recent reports, it’s true that DOGE (Department of Government Efficiency) has been integrated into many federal agencies through embedded teams, staff, or operational units—often described as “DOGE offices” or equivalents—that continue its mission of efficiency, waste reduction, and oversight. This decentralization followed the quiet disbandment of DOGE as a standalone entity around November 2025, ahead of its original July 2026 expiration.  While sources vary on the exact scope (e.g., “all” vs. “many” agencies), the embedding is widespread and includes: Office of Personnel Management (OPM): Acts as a central hub for DOGE’s workforce reduction directives, with embedded staff handling HR overhauls and agency-wide efficiency mandates.  Office of Management and Budget (OMB): Institutionalizes DOGE’s tools for deregulation, AI audits, and budget cuts, with teams funded through agency IT modernization funds.  Department of Health and Human Services (HHS): Former DOGE staffers in roles like chief technology officer, focusing on fraud detection and program streamlining.  State Department: Embedded personnel overseeing foreign assistance and efficiency reforms. Department of Education: DOGE teams with access to federal student loan data and other systems for waste elimination. Treasury Department (including IRS): Staff integrated for system access and financial oversight. Other agencies: Reports mention integration in the Department of Housing and Urban Development (HUD), Office of Naval Research, General Services Administration (GSA), Social Security Administration, and dozens more, with over 100 former DOGE staffers reassigned across the government. Some agencies were directed to establish minimum teams of four specialists (e.g., engineer, HR expert, lawyer, and lead) coordinating with a rebranded U.S. DOGE Service in the Executive Office of the President. This model makes DOGE’s influence more pervasive and harder to dismantle, as it’s no longer a single target but distributed “watchdogs” with data access and decision-making roles. Critics, including Democrats, have raised concerns about political influence from these embedded staffers. Overall, while not every minor agency may have a formal “DOGE office,” the embedding affects a broad swath of the federal government, with ongoing activities like contract terminations (e.g., $1.9 billion in recent cancellations). Geopolitical https://twitter.com/disclosetv/status/1992964442380779549?s=20 https://twitter.com/CynicalPublius/status/1992964685071839677?s=20   Barbary Pirates were a raiding group of true pirates who captured American and European ships off of the North African coast, stole the ships and cargo, and enslaved or ransomed the crews. The pirates were generally under the control of the Ottoman Tripolitania, and many were true privateers: i.e., civilian ships and civilian crews causing great harm to American interests. So President Thomas Jefferson sent the Navy and the Marine Corps to North Africa to blow those private ships and crews the hell out of the water. Tommy J. didn't have Predator drones like Trump is using to blow narcoterrorists out of the water who are trying to slaughter hundreds of thousands of Americans with fentanyl, but Tommy did have some kick-ass Marines to blow pirates out of the water who were enslaving American citizens. Right on the shores of Tripoli. Hence the song. But Democrats are too stupid to know what that means. ‘Murica. Blowing up civilian ships since 1801, all to protect America. So how about it, you lobotomite Democrats? Were Tommy J.'s orders lawful or unlawful? We all know the answer, even though you won't admit it. Lawful. Just like Trump's lawful preservation of American lives from the scourge of fentanyl. Learn a little history, you Democrat goons. Now go write the Marines' Hymn 5,000 times on the blackboard until you learn your lesson.  War/Peace Europe’s Counter-Plan For Ukraine Peace Leaves Door Wide Open For NATO Admission  Even as the Trump White House is busy in Europe trying to get NATO and EU states on board its 28-point peace plan which controversially demands the Ukrainian side cede territory, the Europeans have leaked their own counter-plan which proposes much less in the way of compromise with Russia. The UK, France, and Germany have put forward their own counter-proposal, and the draft differs sharply from the US version. Like with prior proposed deals, it contains terms which Moscow is expected to flatly reject, mostly notably it does not provide guarantees that Ukraine will stay out of NATO, and also absent is the ceding of any territory. While Trump’s plan makes clear that Ukraine must renounce ever joining NATO, the European draft states that Ukraine's potential NATO membership “depends on the consensus of NATO members, which does not exist.” This intentionally ambiguous language of course leaves leaves the door wide open, dependent on when such consensus is reached. Source: zerohedge.com Iuliia Mendel, a former press secretary for Ukrainian President Volodymyr Zelensky, called for Ukraine to take a proposed peace deal to end the war with Russia. https://twitter.com/IuliiaMendel/status/1992359920587456588?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992359920587456588%7Ctwgr%5E9b767ce8c41408adb1f6ebbec3a08e6fcaf1888f%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html1992359920587456588   Russian budget or support Ukraine enough to win, no direct dialogue with Moscow, and no meaningful leverage over either the Kremlin or Washington. Arguments that “Russia has gained so little land” sound almost childish when you consider the human cost. We have lost more people in three years than some European nations have as the whole population. My country is bleeding out. Many who reflexively oppose every peace proposal believe they are defending Ukraine. With all respect, that is the clearest proof they have no idea what is actually happening on the front lines and inside the country right now. War is not a Hollywood movie. I will never abandon the values that God and democracy both place at the very foundation of human existence: human life is the highest good, and people — living, breathing people — are the ones who must be saved. https://twitter.com/greg_price11/status/1992980022043213980?s=20  sided with Dems to oppose Trump’s tariffs, fought against nuking the filibuster, and is now attacking President Trump for working to end the Russia/Ukraine war. Medical/False Flags https://twitter.com/AGJamesUthmeier/status/1992956482351215039?s=20 https://twitter.com/DC_Draino/status/1992706763112776014?s=20 [DS] Agenda https://twitter.com/EndWokeness/status/1992835356798980492?s=20 https://twitter.com/Riley_Gaines_/status/1992677326249750743?s=20 https://twitter.com/MattWalshBlog/status/1992755422542074095?s=20   identify the foreign intruders and bully them mercilessly until they shut up and leave us alone. We cannot talk about or fix any of our problems with a mob of foreigners constantly barging into the conversation. https://twitter.com/EricLDaugh/status/1992780986891813024?s=20   couldn’t remember where the dead gum bathroom was. And he’s reviewed 8,000 files on pardons? Give me a freaking break!” “Almost a thousand NGOs working out of Afghanistan…they’ve told us that we’ve given them close to $5 billion and we’re still doing it because it goes to the NGOs!” “The Democrats fought that amendment that we added NGOs into the bill. Why? Because there’s a thousand NGOs and you know good and well that that money’s coming right back to Washington!” President Trump's Plan https://twitter.com/libsoftiktok/status/1992975955913036001?s=20  https://twitter.com/libsoftiktok/status/1992967800407589115?s=20 https://twitter.com/FBIDDBongino/status/1992469890679394430?s=20 https://twitter.com/ColonelTowner/status/1992776650157600796?s=20 https://twitter.com/realLizUSA/status/1992623917551538562?s=20 BREAKING: Clinton Judge Dismisses Comey, Letitia James Cases – Rules Lindsey Halligan Illegally Appointed A federal judge  dismissed the criminal cases against James Comey and Letitia James. The case was dismissed without prejudice. Judge Cameron McGowan Currie, a Clinton appointee ruled that US Attorney Lindsey Halligan was invalidly appointed: For the reasons set forth above, it is hereby ORDERED AND ADJUDGED as follows: 1. The appointment of Ms. Halligan as Interim U.S. Attorney violated 28 U.S.C. § 546 and the Appointments Clause of the U.S. Constitution. 2. All actions flowing from Ms. Halligan's defective appointment, including securing and signing Mr. Comey's indictment, were unlawful exercises of executive power and are hereby set aside. 3. The Attorney General's attempts to ratify Ms. Halligan's actions were ineffective and are hereby set aside. 4. Mr. Comey's motion to dismiss the indictment (ECF No. 60) is granted in accordance with this order. 5. The indictment is dismissed without prejudice. 6. The power to appoint an interim U.S. Attorney for the Eastern District of Virginia pursuant to 28 U.S.C. § 546 during the current vacancy lies with the district court until a U.S. Attorney is nominated by the President and confirmed by the Senate under 28 U.S.C. § 541. Source: thegatewaypundit.com Comey’s indictment is “dismissed without prejudice.” A former DOJ official said that means the indictment could potentially be refiled. https://twitter.com/CynicalPublius/status/1993028886393958499?s=20 https://twitter.com/EricLDaugh/status/1992711909184000022?s=20  now defend Big, Rich Insurance. The bill would halt Obamacare premium spikes, per MSNOW. The plan reportedly includes a DEPOSIT mechanism, putting money into a Health Savings Account, incentivizing lower-premium options. It would also end the premium hikes, end zero-premium subsidies, and STOP massive fraud known as “ghost beneficiaries.” Trump recently said: “I am calling today for insurance companies NOT to be paid. But for this massive amount of money be paid DIRECTLY to the people so they can buy their own healthcare!” “We will pay a lot of money to the people, and FORGET this Obamacare madness!” Klobuchar Delivers Insane Word Salad When Asked What Specific “Illegal” Orders Trump Issued the Military (VIDEO)  NBC's Kristen Welker actually pressed Democrat Senator Amy Klobuchar about the seditious Democrat lawmakers and their viral video urging the military to refuse President Trump's orders.   NBC's Kristen Welker on Sunday asked Klobuchar what specific “illegal acts” the seditious Democrats were referring to in the viral video. “I wonder, do you know what the specific, illegal acts are that your democratic colleagues were referring to there?” Kristen Welker asked Klobuchar. Klobuchar could not answer Welker. She delivered a word salad about the National Guard and a District Judge's order. “If their commander were to tell them, hey go out on the streets… and do this and that, that's not following the order that is in law,” Klobuchar said. Source: thegatewaypundit.com  WATCH: Sen. Elissa Slotkin Now Admits Trump NEVER Issued an Illegal Order – Compares Trump to Hitler, Cites Nuremberg while Defending Her Calls for Military Sedition The Democrats' orders to defy President Trump's lawful orders and their outrage over Trump's calls for accountability– and even the death penalty– are now blowing up in their faces after days of intended backlash against Trump.  Trump is being proven right to call for criminal charges and the death penalty, if a jury determines it appropriate, by their own statements! Source: thegatewaypundit.com https://twitter.com/TheNotoriousLMC/status/1992413372504301986?s=20 Sen Mark Kelly is being investigated for violations of the UCMJ after his video telling service members to disobey the duly elected Commander in Chief. https://twitter.com/DeptofWar/status/1992999267967905905?s=20   has been initiated to determine further actions, which may include recall to active duty for court-martial proceedings or administrative measures. This matter will be handled in compliance with military law, ensuring due process and impartiality. Further official comments will be limited, to preserve the integrity of the proceedings. The Department of War reminds all individuals that military retirees remain subject to the UCMJ for applicable offenses, and federal laws such as 18 U.S.C. § 2387 prohibit actions intended to interfere with the loyalty, morale, or good order and discipline of the armed forces. Any violations will be addressed through appropriate legal channels. All servicemembers are reminded that they have a legal obligation under the UCMJ to obey lawful orders and that orders are presumed to be lawful. A servicemember's personal philosophy does not justify or excuse the disobedience of an otherwise lawful order.   https://twitter.com/ShadowofEzra/status/1992766569265401863?s=20 https://twitter.com/libsoftiktok/status/1992977389849035017?s=20 https://twitter.com/ScottJenningsKY/status/1992991385616601256?s=20   now have the Strongest Border EVER, Biggest Tax Cuts, the Best Economy, Highest Stock Market in USA History, and sooo much more. BUT, THE BEST IS YET TO COME! VOTE REPUBLICAN!!! (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

There's no business like show business. Chris is covering Wicked, AI Michael, and Amazon giving automatic refunds to millions of Prime Members. All that and more on KFIAM-640!See omnystudio.com/listener for privacy information.

The future of travel isn't arriving someday; it's booking rooms, approving refunds, and answering questions right now. From the floor of World Travel Market London, Phil Blizzard joins three leaders pushing AI from buzzword to business value—speeding up claims, selling smarter, and restoring trust where it's been eroded.First, Steven Joyce of Protect Group shows how Refund Protect turns non‑refundable trips into peace of mind with AI‑accelerated approvals and payouts within hours, not weeks. By partnering with tour operators, OTAs, airlines, and hotels rather than selling direct, the model boosts conversion while removing pre‑trip anxiety for travellers. We break down costs, workflows, and why a customer‑first claim experience matters more than ever.Then, Benjamin Manzi of Maya opens the hood on travel‑specialist AI agents built to sell more trips and handle support across 150+ languages. Beyond chat, internal agents draft quotes, invoices, and emails, giving human teams leverage where it counts. We explore how market maturity flipped from scepticism to urgency, what differentiates domain‑trained travel AI, and why capturing traffic from search and assistants depends on agents that speak the industry's language.Finally, Daniel Reeves of Room Angel tackles the surge of scam sites and opaque pricing. Their verification tokens bring cryptographic trust to hotel bookings and agentic conversations, while fair‑price benchmarks help consumers and regulators see whether a rate is reasonable. With consolidation on the horizon and agentic distribution set to grow rapidly, we discuss the partnerships, data, and rules that will define how hotels compete on transparency and value.If you care about faster refunds, smarter sales, and safer bookings, this conversation is your map to what's next. Subscribe, share with a colleague, and leave a review to tell us which AI upgrade you want travel brands to adopt first.

What does it take to navigate tariffs, rate cuts, and AI disruption all at once?Hosts Kevin Brown and Tom Burton break down the week's headlines that matter most to manufacturers and distributors, from the U.S. government shutdown and Fed policy to the emerging reality of AI‑driven decision‑making and agentic commerce. Discover why contextual intelligence is now a core leadership skill and how data strategy can turn economic uncertainty into competitive advantage. What You'll Learn:Why the shutdown's “fix” is really a delay until January 31, and how prediction markets like Polymarket quantify that risk The truth about tariffs and refund rumors, and why smart pricing beats policy guessworkWhat the Fed's next decision means for capital, lending, and distribution growth plans How AI‑enabled CRM and customer intelligence platforms deliver clarity from chaos Why leaders who blend economic awareness + data fluency will own the next decade of wholesale innovation Episode Highlights:03 : 12 –  The shutdown “ends”… or does it? Budget reset and political realities behind the deal 16 : 40 –  Prediction markets vs. traditional polls: how Polymarket nailed its forecast 31 : 25 –  Rate‑cut drama: inside the Fed meeting math and the Burton Market prediction 48 : 07 –  Tariff talk decoded, methodology matters more than headlines01 : 03 : 14 – Refunds or fantasy? Legal complexity of tariff paybacks explained01 : 14 : 58 –  AI and contextual intelligence: from theory to tool sets inside LeadSmart Channel Cloud™ 01 : 28 : 47 –  Final takeaways, leadership, data literacy, and the new rules of economic resilience Meet the Hosts:Kevin Brown and Tom Burton are co‑founders of LeadSmart Technologies, creators of LeadSmart Channel Cloud™, an AI‑enabled Customer Intelligence and Smart CRM platform purpose‑built for manufacturers and distributors. They bring decades of experience in distribution operations, software engineering, and data strategy to help leaders turn siloed information into growth insight.Tools & Frameworks Mentioned:LeadSmart Channel Cloud™ — Unified AI CRM for distributors & manufacturers Context Engineering — Aligning AI systems with business intent Agentic Commerce — Autonomous AI workflows for B2B transactions Prediction Markets (Polymarket) — Crowdsourced economic signal analysis Customer Intelligence Framework — Transforming ERP and CRM data into actionable insight Closing Insight:“AI doesn't replace relationships, it reinforces them by removing friction.” — Kevin Brown Leave a Review: Help us grow by sharing your thoughts on the show.Learn more about the LeadSmart AI B2B Sales Platform: https://www.leadsmarttech.com/ Join the conversation each week on LinkedIn Live.Want even more insight to the stories we discuss each week? Subscribe to the Around The Horn Newsletter.You can also hear the podcast and other excellent content on our YouTube Channel.Follow us on Facebook, Twitter, Instagram, or TikTok.

Still waiting on your Employee Retention Tax Credit refund? Dr. Friday explains why long delays are happening and what you should do next. Transcript G'day, I'm Dr. Friday, president of Dr. Friday's Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. Back in 2023 and early 2024, many employers were doing the ERC/ERTC—Employee Retention Tax Credits—and some people had no issue. But there was so much fraud that they found during an audit that if you're still waiting… In fact, I saw something from like ADP or something saying that it was still out there available. You need to just basically wait. If your account is out there, they may eventually process it. They have put a hold—they're doing an audit. It's gonna take a while for you to see any of that ERTC money at this time. But if you need help with doing your accounting or taxes, just give me a call, 367-0819. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

TakeawaysAlthough it's been announced that reciprocal tariffs on coffee are no longer in effect as of Friday, November 14th at 12:01 am, punitive tariffs, like those being applied to Brazil and India, remain in place for now. So, tariff on Brazilian coffee has gone from 50% to 40%. Refunds from the government are unlikely.There are some positive signs that the punitive tariffs on Brazil might also end but nobody really knows what will happen.The market did not react bearishly to the rollback on coffee tariffs as some might have expected. Part of The Exchange Coffee Podcasting Network TAKE OUR LISTENER SURVEY Visit and Explore Covoya!

In this episode, Kimberley Andrews interviews playwright Tom Woffenden about the journey of his play, Cockfosters, which began as a new play and is due to open for a five week run at Southwark Playhouse this December. Tom shares his thoughts and advice on co-writing the play, putting it on stage for the first time, and how this led to several sell-out runs. Cockfosters opens on 4th December 20251 Tube Carriage. 38 Stops. 0 Refunds.After five sell-out runs, London's ★★★★★ “screamingly funny” (The Prickle) smash-hit comedy COCKFOSTERS returns to Southwark Playhouse Borough.Strangers James and Tori meet at Heathrow and take the Piccadilly Line across London on a journey they'll never forget. Perfectly capturing our love-hate relationship with the tube, COCKFOSTERS is a brilliantly off-the-rails comedy that will change your commute forever.So top up your Oyster, mind the gap and hop aboard the tube journey of a lifetime!Please note that ticket prices may change due to demand and we recommend early booking.Book here: https://southwarkplayhouse.co.uk/productions/cockfosters/

Host: Annik Sobing Guest: Pete Mento Published: November 17, 2025 Length: ~34 minutes Presented by: Global Training Center   In this week's News Roundup, host Annik Sobing is joined by global trade expert Pete Mento for a fast-paced and deeply insightful conversation about how U.S. Customs and Border Protection is using AI-based targeting to detect valuation fraud, origin manipulation, and transshipment schemes. Pete explains why AI represents a new era of enforcement — where anomalies, false declarations, forced labor indicators, and risky supplier networks can be identified in seconds. He also warns that companies who think they're “getting away with” origin washing or transshipment are likely to be caught. The two also dive into the coming Supreme Court decision on IEEPA tariffs, possible refund scenarios, the political landscape, and why proper recordkeeping may determine who survives the next wave of enforcement. A high-energy, no-nonsense episode packed with real-world examples every importer needs to hear. KEY TAKEAWAYS

The Mancave Caucus discusses all the news of the week and some of the ridiculous!

Heather Dubrow (Real Housewives of Orange County) is the real deal; she's built wealth, made mistakes, learned the hard way, and she's not afraid to talk about any of it. Today, Nicole and Heather dive into the Dubrows' recent real estate wins and failures, how she and her husband divide financial roles, and how they rebuilt trust after being scammed out of $2 million. Plus, because Heather is the most hilarious, Nicole gets Heather's hot takes on viral money stories. 

Ranking Member of the Public Accounts Committee, Samuel Atta-Mills, says the Attorney General has assured the Committee of refunds and the arrest of individuals responsible for financial losses. He, however, expressed concern that not a single person referred to the Attorney General in the previous parliament was prosecuted, urging authorities to take stronger action

Police say a 27 year old woman was struck and killed by a wrong way driver in the West Village this morning. The driver stayed at the scene and has not been charged. Meanwhile, airlines including United and Delta are offering refunds as the FAA prepares to cut air traffic by 10 percent nationwide during the government shutdown. Officials will release the list of affected airports later today. Plus, Jersey City's mayoral race is heading to a runoff next month between former Governor Jim McGreevey and Councilmember James Solomon. Ry Rivard from Politico joins us to talk about what's next in the race.

Vidcast:  https://www.instagram.com/p/DQqnzJ2jo8w/If these top-heavy dressers are not anchored to the wall, they fall over and create a serious entrapment hazard that can lead to injury or death for children. The dressers violate the mandatory standard required by the STURDY Act. The affected products have “ASNG093” printed on labels found on the packaging. This recall expansion follows an earlier recall of about 76,500 12-drawer dressers.About 34,730 of these 16-drawer dressers were sold online at Amazon from September 2023 through August 2025.Stop filling and using these dressers immediately if they are not anchored to the wall. Locate them where children cannot reach them. To receive a full refund, contact WLIVE at 1-833-367-7572 or via the email wliveproductrecall@wlivehome.com to obtain disposal instructions and submit a photo showing that the product has been discarded. Refunds will be processed after verification.https://www.cpsc.gov/Recalls/2026/WLIVE-Fabric-Drawer-Dressers-Recall-Expanded-to-Include-16-Drawer-Dressers-Due-to-Risk-of-Serious-Injury-or-Death-from-Tip-Over-and-Entrapment-Violates-Mandatory-Standard-for-Clothing-Storage-Units-Sold-on-Amazon-by-WLIVE#wlive #dressers #tipover #entrapment #children #injury #recall

Auckland University's completely ruled out refunds for its now-scrapped compulsory Treaty and Māori culture courses. The university's making the courses optional from next year but won't refund students who were required to complete it in the first semester of this year. The courses cost almost six thousand dollars for international students, and one thousand for domestic students. Act Leader David Seymour told Mike Hosking his party's continuing to call on the university to give the money back. He says they could refund students through a credit for future courses, rather than as a cash refund. LISTEN ABOVE See omnystudio.com/listener for privacy information.

I'm breaking down Etsy's brand-new international pricing tool—and what every non-U.S. seller needs to know before it impacts your profit margins. If you sell to U.S. buyers, tariffs and duty fees can eat away at your income fast, but this update changes the game. I'll walk you through exactly where to find the new toggle, how to set prices correctly, and which third-party tools like Zonos can help you calculate and offset extra costs. You'll also learn how to: • Avoid losing money to hidden fees and tariffs • Use Zonos.com to calculate duties and taxes before setting prices • Handle returns and exchanges the smart way under new fee rules • Protect your margins and ship confidently to U.S. buyers • Use delivery-duty-paid providers like DHL or UPS for compliance • Keep your Etsy shop competitive even as costs rise Stick around until the end—I'll share how to connect with my Etsy Games VIP community, where sellers get personal coaching, motivation, and insider updates to grow faster with less stress. #EtsyUpdate #EtsySellers #EtsyTips #EtsySEO #EtsyShopHelp #Ecommerce #Tariffs #EtsyInternational Grow faster than 99% of Etsy shops

In this spicy episode of the Dishing up Digital podcast, I'm sharing some of the wildest, most chaotic moments from my 6 years as a social media manager. From nightmare clients to contractor drama, invoice ghosting to holiday content meltdowns—these stories had me questioning everything.But with each messy moment came a powerful lesson that's shaped how I run my business today.Here's what we're diving into:

S-Corp highlighted a recent report by economist Don Schneider quantifying the tax relief millions Americans can expect in the next year as a result of the OB3. It's a big number, so we invited Don, the Deputy Head of US policy at Piper Sandler, to explain why this could be the biggest refund season ever. Don also reviews the future of tariffs (and why they're likely here to stay even if courts weigh in) and shares his thoughts on why the government shutdown might end in early November. 

News Political Assassination: While the query mentions a political assassination, no specific details are available in the provided search results. Airlines and Oversized Passengers: Southwest Airlines will require oversized passengers occupying adjacent seats to pay for two seats, beginning in January 2026. Refunds for the second seat are possible under specific conditions (flight departs with an empty seat, both seats purchased in the same fare class). Cracker Barrel Backtracks on Rebrand: Cracker Barrel reversed its controversial rebrand and logo change and ended its relationship with the design firm responsible, according to the Toledo Blade and Investopedia. The company also announced leadership and organizational structure changes to reinforce its focus on guest experience. Wisconsin Man Fakes Death, Sentenced: Ryan Borgwardt, who faked his death in a kayaking accident and fled the country, was sentenced to 89 days in jail after pleading no contest to a misdemeanor charge of obstruction. He was also ordered to pay $30,000 in search costs. Conjoined Twins Update: Abby and Brittany Hensel, conjoined twins, were recently seen in public with a baby. However, Abby Hensel's husband stated that the TikTok account posting about a baby is not owned by his wife, and the twins did not post about having a child. Man Jumps Ship to Avoid Debt: A cruise ship passenger, Jey Gonzalez-Diaz, jumped overboard to avoid declaring money and paying off over $16,000 in gambling debt to Royal Caribbean. He was rescued and charged with a federal crime. Tylenol and Autism Rumors: In late 2023, a federal judge dismissed Tylenol (acetaminophen) lawsuits alleging a link to autism spectrum disorder (ASD) and attention deficit hyperactivity disorder (ADHD) due to the exclusion of plaintiffs' expert witnesses. However, in September 2025, the White House and Health and Human Services issued new guidance suggesting a potential association between prenatal acetaminophen use and increased risks of ASD and ADHD. Researchers have found no firm evidence of a causal link between in utero acetaminophen exposure and neurodevelopmental disorders. Molly Qerim Leaves First Take: Molly Qerim announced her departure from ESPN's First Take after 10 years as host. Sources suggest it was her decision to explore other opportunities.    Entertainment/Music Dame Dash and Cam'ron: Cam'ron accused Dame Dash of lying about his role as "Chairman of REVOLT." Cam'ron stated that no one at REVOLT was aware of this role. Dame Dash rejected Cam'ron's offer to executive produce his shows because of ego. Dame Dash threatened a $100 million RICO and defamation lawsuit. Pooh Shiesty Released Early: Pooh Shiesty was released early from federal prison on October 6, 2025, and transferred to a halfway house, months before his original release date. Bad Bunny and the Super Bowl: Bad Bunny is confirmed as the Super Bowl LX halftime show performer. Carlos Santana supported Bad Bunny and debunked rumors that he criticized the selection. Cardi B Releases New Album: Cardi B's second album, "Am I the Drama?", was released on September 19, 2025. Young Dolph Murder Trial: Hernandez Govan, accused of orchestrating Young Dolph's murder, was acquitted on all charges in August 2025. The jury foreman explained the verdict in an interview. Young Thug Jail Calls Leak: Audio and transcripts of Young Thug's jail calls were leaked, generating media attention and discussions about his relationships and other artists. Drake texted Young Thug after the leak, expressing support. Tootie Raww Arrested: Tootie Raww was arrested in September 2025 on charges of possession of a sawed-off shotgun and obstruction of law enforcement officers. Drake's Lawsuit Dismissed: Drake's defamation lawsuit against Universal Music Group regarding Kendrick Lamar's song "Not Like Us" was dismissed by a federal judge. The court ruled that claims tied to the lyrics were protected as opinion. Adrien Broner Removed from Show: Adrien Broner was removed from Cam'ron's show "It Is What It Is" after making inappropriate comments.                                 

Dusty is the first to strike this year with a HUGE bodied Illinois buck. He took down a super-mature deer he called Curly on Friday. Also, they are issuing permit refunds in Coloarado? All that and more on this episode of Deer Season Daily!The Deer Season Daily episodes will keep you up to date on all things deer season and Ridge Hunter Outdoors. Hit the subscribe button so you don't miss anything this season!Ridge Hunter Products and Merchandise:Ridgehunteroutdoors.comSupport our Partners:Check out Raks Big Game Supplements for all your mineral and protein needs! Go to Raksmineral.com and use code FULLDRAW for 15% off your entire order!Submit questions or comments to: Ridgehunteroutdoors@gmail.comFind us on Social:YouTube: https://www.youtube.com/channel/UC50IZ_HE2pnMBjRyPpmgvMg Facebook: https://www.facebook.com/RidgeHunterOutdoors Instagram: https://www.instagram.com/ridgehunteroutdoors/ Twitter: https://twitter.com/RidgeHunterOD

An Early Look at Legends of the Seas is the lead story on Wednesday Travel and Cruise Industry Podcast, October 8, 2025 with Chillie Falls. Also today, First Look at New Beachcomber Ship: Typhoon Delays Ovation for 2 Days; Port Canaveral Raises Parking Fees; Bride To Be Banned; AIDA to Build 7 Schools; Victoria Cruises Line Customers Still Waiting for Refunds; Star of the Seas Itinerary Change; Major Flight Delays From Shutdown; and lots more LIVE at 11 AM EDT. CLICK for video feed #wednesdaytravelandcruiseindustrypodcast #travelandcruiseindustrynews #podcast #cruisenews #travelnews #cruise #travel #chilliescruises #chilliefalls #whill_us Thanks for visiting my channel. NYTimes The Daily, the flagship NYT podcast with a massive audience. "Vacationing In The Time Of Covid" https://nyti.ms/3QuRwOS To access the Travel and Cruise Industry News Podcast; https://cms.megaphone.fm/channel/trav... or go to https://accessadventure.net/ To subscribe: http://bit.ly/chi-fal I appreciate super chats or any other donation to support my channel. For your convenience, please visit: https://paypal.me/chillie9264?locale.... Chillie's Cruise Schedule: https://www.accessadventure.net/chillies-trip-calendar/ For your mobility needs, contact me, Whill.inc/US, at (844) 699-4455 use SRN 11137 or call Scootaround at 1.888.441.7575. Use SRN 11137. YouTube: https://www.youtube.com/ChilliesCruises Facebook: https://www.facebook.com/chillie.falls X: https://x.com/ChillieFalls Learn more about your ad choices. Visit megaphone.fm/adchoices

There's no money! CBP says refunds are on hold until the Treasury is funded. Listen for more on Two Minutes in Trade. 

MUSICWithin 12 hours of its release, "The Life of a Showgirl" had been streamed more than any other album on Spotify this year. And the song "The Fate of Ophelia" became the most-streamed song in a single day in Spotify HISTORY.Taylor Swift's "The Life of a Showgirl" is getting reviews, and one that stood out was the song on the album called "Wood", and it's a straight-up ode to Travis Kelce's wiener. https://www.threads.com/@wethairdontcare/post/DPYxJ3tDrqm/me-learning-that-wood-is-2-mins-30-secs-and-230-millimeters-is-9-inches-and-woodStone Temple Pilots, Black Label Society, Sevendust, P.O.D. and Saliva have been added to the 2026 edition of Sonic Temple, May 14th to 17th at Historic Crew Stadium in Columbus, Ohio. https://www.instagram.com/p/DPWfnAzjWUU/Future Ruins, the festival that was to feature performances by film composers and started by Trent Reznor and Atticus Ross of Nine Inch Nails, has been canceled. The event posted on its social media, "The reality is, due to a number of logistical challenges and complications, we feel we cannot provide the experience that's defined what this event was always intended to be. Rather than compromise, we're choosing to re-think and re-evaluate. Meanwhile, we are sorry for any inconvenience and appreciate all the interest and support. Refunds will be automatically issued and ticket holders will receive an email with more information." https://www.instagram.com/p/DPXBT3PCbwR/ Oasis guitarist Paul "Bonehead" Arthurs will miss eight shows on the band's reunion tour to undergo treatment for prostate cancer. https://x.com/BoneheadsPage/status/1974158415028273653Jon Bon Jovi recently joined the club of artists with namesake bars on Nashville's famed Lower Broadway. And just over a year in business, JBJ's Nashville went on the market with a hefty asking price of $130 million. https://www.tennessean.com/story/entertainment/music/2025/10/02/nashville-bars-jon-bon-jovi-jbj-sale/86474158007/?gnt-cfr=1&gca-cat=p&gca-uir=false&gca-epti=z115945p118450c118450u003845e003100v115945&gca-ft=240&gca-ds=sophi&sltsgmt=0154_C RIP: Ike Turner Jr., the son of Tina Turner and Ike Turner, has died. He was 67. https://people.com/ike-turner-jr-dead-tina-turner-and-ike-turners-son-dies-at-67-11824560 TVJack Osbourne on GMA (ABC)Taylor Swift, The Format on Fallon (NBC)Nathaniel Rateliff and the Night Sweats on Kimmel (ABC) Tyrese Gibson turned himself in to police and was charged with animal cruelty, after his four mastiffs killed a neighbor's dog in September. https://people.com/tyrese-gibson-turns-himself-in-charged-with-animal-cruelty-after-dogs-allegedly-killed-11824444 Khloe Kardashian surprised a fan in Chesterfield, Virginia when she fully funded their son's classroom wish list. Khloe had posted a TikTok of herself doing some back-to-school shopping for her kids, and a fan commented asking if she could donate to help her son's class get tables and chairs, since the kids were using stools without back support.MOVING ON INTO MOVIE NEWS:Taylor Swift: The Official Release Party of a Showgirl came in No. 1 at the box office thanks to her diehard fans, grossing $33 million at the domestic box office during its single-weekend run. The Showgirl made $46 million in total globally. https://www.hollywoodreporter.com/movies/movie-news/taylor-swift-showgirl-box-office-dwayne-johnson-1236392420/Amazon Prime Video is changing the way James Bond is presented. https://kotaku.com/james-bond-amazon-guns-halo-remake-gaming-news-2000631492John Candy is so beloved for his roles in comedies like "Spaceballs" and "Uncle Buck", so it's kinda hard to imagine him playing a more serious character, or even a bad guy. But it almost happened. https://www.cracked.com/article_48604_john-candy-came-shockingly-close-to-starring-in-goodfellas.html AND FINALLYA comedian did a British version of Alan Jackson's classic hit "Chattahoochee", and it's hilarious. Here's Michael Rhys' take on the song.AND THAT IS YOUR CRAP ON CELEBRITIES!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In one of the largest settlements in U.S. history, Amazon settled a case with the Federal Trade Commission on Sept. 25 for a staggering $2.5 billion. And it's worth mentioning that more than half of that money is earmarked for customers—meaning that if you are an Amazon Prime member, you can get a small piece of that settlement. Here's the history of the case, as well as how you can check whether you qualify for the money.

We buy so many clothes but return a lot of them. We discuss the complexities of returns/refunds with Laura Jordan, Image and Brand Consultant owner of Style Savvy.

Episode 678: Neal and Toby talk about why some Wall St. firms are hoping the Supreme Court strikes down Trump's tariffs which could lead to a massive influx of refunds. Then, AI was meant to increase productivity when, actually, it causes more work than necessary. Also, China takes its soy-buying business from the US to Argentina, causing some pain to US farmers. Meanwhile, Neal shares his favorite numbers on an Instagram milestone, Broadway musicals, and the Ryder Cup.  You can try reMarkable Paper Pro Move for 100 days for free. If it's not what you're looking for, get your money back. Get your paper tablet at https://www.remarkable.com today Get your MBD live show tickets here! https://www.tinyurl.com/MBD-HOLIDAY Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the Woodard Report podcast, Heather and Joe speak about the Supreme Court's pending decision on tariffs, how it could trigger massive refunds for businesses, and why accountants need to prepare now. They also discuss Ernst & Young's $1 billion investment in AI, exploring how automation might relieve staffing shortages while reshaping the profession. Current events — Refunds on Tariffs if Supreme Court rules them Unconstitutional Ernst & Young (EY) pledged $1 billion to advanced AI and workforce development TV/Movie quote of the week — RuPaul's Drag Race All Stars Joe mentioned Game of Thrones Excellent things we learned — The Case for Using Small Language Models The JOLT Effect: How High Performers Overcome Customer Indecision Member spotlight — Jane Watkins The Woodard Report article of the week — Better Questions. Better Hires. Stronger Firms. Thank you to our show sponsor, Zoho! Zoho is a unique and powerful software suite to transform the way you work, designed for businesses of all sizes, built by a company that values your privacy. Learn more about the show and our sponsors at Woodard.com/podcast

Most people who buy life insurance never read the fine print. They're promised “stock market–like returns without the risk,” a retirement account that doubles as a tax-free loan machine, and peace of mind for their families. On paper? It looks like the perfect product. But what happens when the math doesn't add up, the illustrations don't match reality, and families find out, years later, that the policy they've been funding is set to collapse? That's the dark underbelly of the Indexed Universal Life (IUL) industry. And it's exactly what my guest, Jonathan, aka the IUL Exposer, has dedicated his career to uncovering. He's reviewed over 4,000 policies in just 18 months, uncovered systemic mis-selling, and even built a process that has helped families claw back over a million dollars in refunds. Jonathan isn't anti-insurance. He's anti–false promises. His work shines a light on how commissions drive product design, why regulators are warning against IULs, and how clients are left holding the bag when agents disappear. This episode isn't about theory, it's about hard numbers, legal battles, and the uncomfortable truths most of the industry hopes you never learn. Things You'll Learn In This Episode  -Illustrations are a trap IUL projects steady growth that rarely happens. Why do clients still trust the numbers? -Commissions drive the product IULs are sold 10-to-1 over whole life because they pay the fattest commissions. What does that reveal about whose interests are really being served? -Refunds are possible Families often think their money is gone forever. How are some clawing back tens of thousands in refunds? -Indexes aren't what they seem Synthetic “uncapped” indexes promise market-like returns but rarely deliver. How are clients set up for disappointment from day one?   Guest Bio Jonathan Aguilera is the voice behind @lifeinsurancerefunds on TikTok and Instagram, a platform dedicated to exposing misleading life insurance practices, breaking down complex policies, and helping families recover money they thought was lost. Licensed since 2012, Jonathan once built a national agency of 250+ licensed agents with Primerica. But when faced with the choice to “stay quiet to stay compliant” or speak up for what's right, he chose the latter. He resigned, surrendered his securities licenses, and walked away from everything he'd built to launch DTRT Financial, not just a company, but a movement. Jonathan isn't the suit-and-tie advisor chasing commissions. He's the guy who got fed up watching families get misled, overcharged, and under-informed. Through thousands of policy reviews, he's exposed the harsh realities of cash value life insurance while educating the masses on how to make intentional financial choices. Visit IULExposer.com to learn more.  About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.     Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!   

Most people who buy life insurance never read the fine print. They're promised "stock market–like returns without the risk," a retirement account that doubles as a tax-free loan machine, and peace of mind for their families. On paper? It looks like the perfect product. But what happens when the math doesn't add up, the illustrations don't match reality, and families find out, years later, that the policy they've been funding is set to collapse? That's the dark underbelly of the Indexed Universal Life (IUL) industry. And it's exactly what my guest, Jonathan, aka the IUL Exposer, has dedicated his career to uncovering. He's reviewed over 4,000 policies in just 18 months, uncovered systemic mis-selling, and even built a process that has helped families claw back over a million dollars in refunds. Jonathan isn't anti-insurance. He's anti–false promises. His work shines a light on how commissions drive product design, why regulators are warning against IULs, and how clients are left holding the bag when agents disappear. This episode isn't about theory, it's about hard numbers, legal battles, and the uncomfortable truths most of the industry hopes you never learn. Things You'll Learn In This Episode -Illustrations are a trap IUL projects steady growth that rarely happens. Why do clients still trust the numbers? -Commissions drive the product IULs are sold 10-to-1 over whole life because they pay the fattest commissions. What does that reveal about whose interests are really being served? -Refunds are possible Families often think their money is gone forever. How are some clawing back tens of thousands in refunds? -Indexes aren't what they seem Synthetic "uncapped" indexes promise market-like returns but rarely deliver. How are clients set up for disappointment from day one? Guest Bio Jonathan Aguilera is the voice behind @lifeinsurancerefunds on TikTok and Instagram, a platform dedicated to exposing misleading life insurance practices, breaking down complex policies, and helping families recover money they thought was lost. Licensed since 2012, Jonathan once built a national agency of 250+ licensed agents with Primerica. But when faced with the choice to "stay quiet to stay compliant" or speak up for what's right, he chose the latter. He resigned, surrendered his securities licenses, and walked away from everything he'd built to launch DTRT Financial, not just a company, but a movement. Jonathan isn't the suit-and-tie advisor chasing commissions. He's the guy who got fed up watching families get misled, overcharged, and under-informed. Through thousands of policy reviews, he's exposed the harsh realities of cash value life insurance while educating the masses on how to make intentional financial choices. Visit IULExposer.com to learn more. About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom. Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

Taking affirmative action now to preserve the right for potential IEEPA tariff refunds is essential. Listen to Two Minutes in Trade for details. 

Aengus Cox, RTÉ's Consumer Affairs Correspondent

Shakira BioSnap a weekly updated Biography.Shakira has been a whirlwind of activity these past few days, dominating headlines and social feeds with both professional highs and personal intrigue. Most notably, she was slated to perform at Washington DC's Nationals Park as part of her Las Mujeres Ya No Lloran World Tour and to kick off WorldPride DC 2025, but the concert was canceled last-minute due to complications stemming from structural issues at her previous Boston show. Nationals Park announced that her full tour production simply could not be transported to DC on time, leaving thousands of fans disappointed and prompting heartfelt apologies from Shakira herself, who shared her heartbreak on social media while promising to return as soon as possible. Refunds were promptly issued, yet the absence of such a high-profile event made waves across music news—an unfortunate snag in her otherwise triumphant tour, which has been praised for its ambitious setlist, elaborate visuals, and 13 dazzling costume changes, all masterminded by Shakira and a team of 145 people according to USA Today.Despite these setbacks, the star is surging forward: she's confirmed as a headliner for the 2025 Global Citizen Festival in New York's Central Park on September 27, sharing the bill with The Weeknd. The festival, hosted by Hugh Jackman, champions major global causes—protecting the Amazon, scaling renewable energy in Africa, and advancing children's literacy—and Shakira's involvement underlines her ongoing commitment to philanthropy and social impact, bringing her activism to an audience of millions.On the personal front, speculation ran rampant as reports from outlets like as.com suggested Shakira has rekindled her romance with Antonio de la Rúa, the Argentine lawyer and her former partner. Allegedly, the two reconnected through professional collaborations and now share a close bond, even involving Shakira's children in family affairs. While rumors swirl about them cohabiting and a possible public reveal in Argentina, neither has confirmed this publicly, so the story remains in the realm of informed gossip.Shakira's recent performance in Mexico City electrified fans when she invited Mexican singer Belinda onstage for a moving duet of “Día de enero,” marking her record-breaking twelfth show at Estadio GNP Seguros—a new industry standard for female artists in the venue. Social media exploded after Shakira posted images from a beachside promotional shoot in Mexico: her metallic bikini photos drew over a million likes and even praise from Salma Hayek, reinforcing her status as a pop culture phenomenon.Adding to the social chatter, footballer Sergio Ramos teased a possible musical collaboration with Shakira in a recent interview, which would cleverly riff on her past relationship with Gerard Piqué. While that's tongue-in-cheek for now, the playful buzz proves Shakira's knack for staying topical and relevant.Looking ahead, anticipation is building for her scheduled shows in Atlanta and Puebla, Mexico, and even a 2026 world tour teased by fan sites. Business-wise, her net worth remains astronomical, with income streams from music, touring, brand partnerships, and catalog sales, as covered by Forbes and Billboard. Collectively, these developments—headline festival bookings, tour drama, viral moments, and tantalizing romantic rumors—underscore Shakira's enduring biographical significance and her ability to command attention on all fronts, blending artistry, activism, and intrigue with effortless style.Get the best deals https://amzn.to/3ODvOta

Cancellations, reschedules, and refund requests—ugh, none of us like dealing with them, but they're a part of running a photography business. In this episode, I'm walking you through how to protect your time and income while still being kind and professional when these situations pop up. You'll walk away with confidence knowing exactly how to handle them.Here's what you'll learn:The contract clauses every photographer needs to avoid messy situationsScripts you can use when clients cancel or ask for refundsProactive steps to reduce cancellations before they happenIf you're ready to stress less and keep your business running smoothly (even when life happens), press play now.I'm giving you 3 Free Ways to Get Photography Leads This Week in this free guide. Download here.

Refunds of IEEPA tariffs may be possible if the Supreme Court upholds the CIT and CAFC decisions striking down the Administrations use of IEEPA authority to issue tariffs, but only for those companies who take steps to preserve their rights. Listen to today's episode to learn more and visit: https://www.strtrade.com/trade-news-resources/str-trade-report/trade-report/august/importers-should-act-quickly-to-preserve-rights-to-potential-tariff-refunds

Ryan and Emily discuss Trump threatens Chicago takeover, Trump blows up ship near Venezuela, judge orders Trump tariff refunds, Israel disappearing Gazans at aid sites, Trump fakes Epstein files release, Southeast Asia erupts in protest, voices of Gaza youth. Fox News is now reporting that the boy "Amir" Aguilar reported to have seen shot has been located unharmed. https://www.foxnews.com/world/exclusive-video-reveals-gaza-boy-said-killed-idf-alive To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger.

This is a special episode explaining in detail the new changes coming up for OTR, if you want them. We are implementing a community forum and a quarterly blog for all in Real Plus. This is being done for three reasons. First to develop a community around healing from any Mental health condition and thriving. I think it's important as we grow together to achieve Mental Health for Real. Secondly, to get direct input through a community forum and suggestion box that will make the show what the listener wants. And lastly to grow the show so we can increase our reach and implement better quality sound with just a little revenue. This will put us in a position to reach more people and book any guest we feel will help us. To do this I am implementing a Premium Package as part of Real Plus. The premium Package will have everything in basic Real Plus but so much more as described below and detailed in this short episode. Real Plus Premium – Subscribed AccessUnlock exclusive content, including early access to episodes Annotated Transcripts – not just what we said, but why it mattered.The “Unpolished” Feed – outtakes, false starts, and the moments we almost cut. Produced twice a year Monthly Dispatch – one email, no marketing, just what we're building, breaking, and rethinking Verified/co-authored Badge – not for clout, just a quiet nod that you are co-authors Suggestion Box (with Teeth) – you pitch it, we respond. If it's good, we build it. If it's off, we say why Yearly Dividend – 5% of total earnings redistributed equally to listeners at year-end - So, this gives the advantage to the early subscribers, since the price will never go up no matter what extras we put in. So, if we raise the price over the years your actual value back rises from 5 percent and there is no cap. If the show some how goes viral, you will make more money than you pay for subscription. Potentially much more. . Refunds for dividends -If canceled mid-year, refund begins at end of the month -Refund is prorated based on the yearly rate - Any payment method is eligible -Credit card, Zelle, or other agreed-upon methodCancel Button will be clear and on the first screen. 2 click cancelI am thinking about a co-host for the 2026 season. I will keep you informed.Also, you may have noticed the logo has been changed in Facebook, Instagram and X. The Logo will officially change everywhere on November 1, 2025. Hopefully along with Real Plus. Which changes everything.The implementation of Real plus depends on you. I will have a post on Facebook, Instagram, and X. Please indicate your interest in the program tiers. Please "Like" the post, if you're in for implementing Real Plus on November 1, Please "Love" or other than like the post, if you're in for the Premium Package in Real Plus.Or send an email to Overtherainbowbob@gmail.com with the subject "Like" or "Love" and please indicate if you want to receive status updates of the project if we have 5 likes for Real Plus and/or 5 "Loves" for the Premium Package one or both It will be implemented For November 1 sign up and benefits.So the future of OTR is up to you. If we don't implement; I may offer the program at a later date.OTR sites:Real Plus: (coming soon)Podcast Website: https://bobadleman.wixsite.com/otrmentalhealthMail:

In this episode we discuss - we discuss what does dank mean? Amazon and Refunds and football is back. Please don't forget to check out our Youtube Channel, where we post the first 20-30 mins of the show…for free. You can't beat free. We'd be forever in your debt if you could jump over to our Youtube channel and Subscribe - and tell a friend. If you haven't got a friend, we'll be happy to be your friend, After you subscribe. You can also follow us on social media on Facebook, Instagram, Tumblr and Twitter. That's all of them, correct? Does anyone read this far down? Email us: ⁠⁠⁠⁠⁠HashtagJustSayinPodcast@gmail.com⁠

✈️ Retire Pilots the Right Way!

On this episode, I'm talking about returns, refunds, and the hidden layer of post-purchase experience with Fernando Pedraz, founder of Reveni.We get into why instant refunds aren't just good CX, they're good business — and how Reveni is helping brands turn a painful process into a growth lever. Fernando shares how they assess refund risk in real time, what most brands get wrong about cross-border returns, and where automation adds value without losing the human touch.We also talk about the role of AI in fraud prevention, logistics, and finance infrastructure, why the post-purchase stack is still underdeveloped, and what smart brands are doing to stay profitable in a tougher market.If you're thinking about CX beyond the buy button, or building smarter systems behind the scenes, this one's for you.This episode is brought to you by Reveni. Reveni helps eCommerce brands turn refunds into retained revenue, by making instant exchanges the default, not the exception. Learn more at Reveni.Checkout Factory here.Sign up to our newsletter here.

What marketing strategies are actually working in 2025? Karla Singson shares standout tactics from a DC Mexico meetup she hosted, where 6- and 7-figure founders revealed how they're landing clients organically through Facebook groups, trade show podcast hacks, and thoughtful LinkedIn comments (no ad spend required). We also dive into Karla's own playbook: how she's built multiple businesses around authenticity, reputation, and smart delegation. She shares tips for handling sales calls, choosing offers that sell themselves, and why relationships (not reach) are her #1 growth lever. LINKS: Karla's Facebook (https://www.facebook.com/karla.singson) Karla's Instagram (https://www.instagram.com/karlastefan/) Karla's Business (https://proximityoutsourcing.com/) Dennis Yu's “Dollar a Day” Strategy (https://dennisyu.com/category/dollar-a-day/) Connect with generous global entrepreneurs (https://dynamitecircle.com/) Founders getting together in Bangkok this October for DCBKK 2025 (https://docs.google.com/document/d/1GFaF1Vj7I7H0f5BmGYuyoaGuEdMCo-3CkBnVDuaSwrI/edit?usp=sharing) Read Dan's book “Before the Exit” (https://www.amazon.com/Before-Exit-Thought-Experiments-Entrepreneurs-ebook/dp/B07BN2KD1J) Share your story/sponsor the pod (https://forms.gle/gKZFuwReHSvg8LD48) CHAPTERS: (00:00:13) Intro: Affordable Marketing for Scrappy Founders (00:01:29) Karla's Business Portfolio: From Flowers to Facebook Funnels (00:05:00) Why Founders Struggle to Delegate (00:10:17) 3 Low-Cost, High-Impact Client Acquisition Channels (00:12:59) Organic Facebook Marketing Still Works (Here's Why) (00:15:34) The 400% Revenue Trade Show Hack (00:18:29) How to Capture Leads by Commenting on LinkedIn (00:21:17) Why Most Founders Are Hesitant to Run Ads (00:22:50) The Rise of Hyper-Authenticity (00:26:30) Why In-Person Still Matters (But Not for the Reason You Think) (00:27:25) The '10 Industry Friends' Strategy for Rapid Growth (00:34:41) Why Karla Keeps a Business Portfolio (Not Just One Focus) (00:36:30) The “Duh” Test for Business Ideas (00:38:46) Sales Calls: What Actually Works in 2025 (00:38:54) Building Rapport That Converts (No Cringe Small Talk) (00:41:23) Refunds, Guarantees, and the Power of Reputation (00:42:11) Lessons from a Business Partnership Gone Wrong (00:45:31) Why Golf Is the Best Business School (00:48:05) Playa del Carmen as a Business Base: Pros and Cons (00:52:37) Karla's Love Letter to DCBKK CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: Marketing to High-Dollar Clients (https://tropicalmba.com/episodes/marketing-to-high-dollar-clients) $1.5 Million from LinkedIn: Strategies for Building Influence and Consistent Revenue (https://tropicalmba.com/episodes/million-from-linkedin) Niche B2B Content = Big Revenue on YouTube (https://tropicalmba.com/episodes/b2b-content-youtube) 50/50 Partnerships: Saying the Quiet Part Out Loud (https://tropicalmba.com/episodes/50-50-partnerships)

Amazon's new small business report reveals exactly how the marketplace is doing for independent sellers, TikTok users reveal who's really shopping on TikTok Shop, and Amazon is issuing surprise refunds dating back to 2018. These and more buzzing news on this episode! ► Instagram: instagram.com/serioussellerspodcast ► Free Amazon Seller Chrome Extension: https://h10.me/extension ► Sign Up For Helium 10: https://h10.me/signup  (Use SSP10 To Save 10% For Life) ► Learn How To Sell on Amazon: https://h10.me/ft ► Watch The Podcasts On YouTube: youtube.com/@Helium10/videos We're back with another episode of the Weekly Buzz with Helium 10's Senior Brand Evangelist, Shivali Patel. Every week, we cover the latest breaking news in the Amazon, Walmart, and E-commerce space, talk about Helium 10's newest features, and provide a training tip for the week for serious sellers of any level. New Amazon report shows small businesses have created millions of US jobs and built thriving communities https://www.aboutamazon.com/news/small-business/amazon-2024-small-business-empowerment-report Are US TikTok users turning to TikTok Shop? https://business.yougov.com/content/52193-are-us-tiktok-users-turning-to-tiktok-shop Got a Surprise Amazon Refund? We Now Know Why https://www.pcmag.com/news/got-a-surprise-amazon-refund-we-now-know-why EU plans 2 euro fee for low-value parcels in setback for Shein, Temu https://www.reuters.com/business/retail-consumer/eu-eyes-2-euro-handling-fee-online-parcels-customs-reform-2025-05-21/ Shopify launches AI tool that builds complete online stores from keywords https://www.reuters.com/business/shopify-launches-ai-tool-that-builds-complete-online-stores-keywords-2025-05-21/ Boost sales with Memorial Day Outlet merchandising https://sellercentral.amazon.com/seller-news/articles/QVRWUERLSUtYMERFUiNHMjlOQ1RLUUIyVEZFSzJQ Manage shipments easier with new Send to Amazon features https://sellercentral.amazon.com/seller-news/articles/QVRWUERLSUtYMERFUiNHSEFZSzlLRkszTFI5S0hG Change to Buyer-Seller Messaging options https://sellercentral.amazon.com/seller-news/articles/QVRWUERLSUtYMERFUiNHNENSQUpOSzJENkQ0VFJO For our new feature alerts, Helium 10 has introduced a powerful update to its Helium 10 Ads Campaign Builder, now supporting Sponsored Display Audience Targeting with options to optimize for impressions, visits, or conversions, along with expanded audience targeting and multiple ad formats, including video. Additionally, the revamped Ads Academy. Hosted by Bradley Sutton and Destaney Wishon, offers a comprehensive, beginner-to-advanced course on Amazon advertising, accessible to all Helium 10 paid subscribers. This week's strategy highlights how sellers can use Helium 10's Search Query Performance Analyzer tool to identify every keyword that generated a sale over a specific period directly from Amazon data. Unlike Amazon Seller Central, this tool allows for efficient filtering by product, keyword, and time frame, offering a faster, clearer view of what's truly driving sales. As we wrap up this episode, we invite you to stay tuned for the latest trends shaping the e-commerce landscape, equipping you to thrive in a rapidly evolving market. In this episode of the Weekly Buzz by Helium 10, Shivali covers: 00:50 - $2.5 Trillion Milestone 02:52 - TikTok Shop Truth 05:23 - Refunds from 2018 06:52 - EU Hits Back 08:50 - Shopify Builds Stores 10:08 - Amazon Adds Audio 12:08 - Homepage Outlet Push 13:34 - Send-to-Amazon Updates 14:50 - Message Marked Gone 15:38 - Helium 10 New Feature Alerts 18:29 - Training Tip: Search Query Analyzer by Helium 10

Ever had someone demand a refund out of the blue? Or had a client just… stop paying? This week on Chill & Prosper, we're diving into the messy middle of running a business—those awkward money convos we all face eventually.  I'm answering questions about refunds, payment defaults, and how to protect your boundaries without losing your mind (or your income).

Send us a text↩️ Luxury Refunds - Refunds are a business strategy.In this week's Baking it Down Podcast - Episode 211 - Luxury Refunds, Corrie wanted to recap yet another reminder on why luxury bakers should consider luxury refunds.