Podcasts about Servicing

March Madness is in full swing with the brackets being released and everyone talking about who they're taking to the Final Four. We give our thoughts on the brackets, and are also joined by 2 former Corunna Cavaliers who are now state champion head coaches. Kyle Clough with his Rockford Rams and John Fattal with his Freeland Falcons won titles over the weekend, we talk to both of them about the whole experience. USA in the WBC and more, take a listen and hit us up @3pointpod! Memorial Healthcare Wellness Center, Blackstone's Public House, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, Nichols Painting, Great Lakes Apparel Co., SportsNet MI

Artificial intelligence is rapidly transforming the consumer financial services industry. From underwriting and fraud detection to customer engagement and collections, financial institutions are increasingly deploying advanced AI tools to automate processes, personalize services, and improve operational efficiency. We are releasing today, on our Consumer Finance Monitor Podcast show, a discussion of what may be the next major technological shift for the industry: Agentic AI in Consumer Financial Services — AI systems capable of acting autonomously, making decisions, and interacting directly with consumers. The discussion featured Professor Oren Bar-Gill of New York University School of Law, along with Ballard Spahr partners Joseph Schuster and Adam Maarec.  The discussion was hosted by Alan Kaplinsky, the founder and practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel. The panel examined how agentic AI differs from earlier forms of automation, the benefits it offers financial institutions and consumers, and the significant legal and regulatory risks it may create. Below are the key takeaways from the discussion. What Is Agentic AI? Agentic AI refers to AI systems that can independently take actions on behalf of users or organizations. Unlike traditional automation, which performs predefined tasks, or generative AI, which primarily produces content, agentic AI systems can: ·                 Make autonomous decisions ·                 Interact directly with consumers ·                 Initiate actions such as transactions or communications ·                 Learn from prior interactions In financial services, these systems may soon conduct customer service interactions, initiate collections calls, execute payments, or manage purchasing tasks for consumers. While these capabilities promise major efficiencies, they also raise complex legal questions regarding accountability, fairness, and consumer protection. Understanding AI-Driven Consumer Harm Professor Bar-Gill framed the discussion by examining potential consumer harms associated with AI-powered decision-making. Drawing on his recent book with Cass Sunstein, Algorithmic Harm: Protecting People in the Age of Artificial Intelligence, he explained that the impact of AI depends largely on the type of market in which it operates.  The book is available on Amazon here. Sophisticated vs. Unsophisticated Markets Bar-Gill distinguishes between: ·                 Sophisticated markets, where consumers are generally able to make informed decisions ·                 Unsophisticated markets, where consumers are more likely to misunderstand complex products In sophisticated markets, AI-driven personalization, such as individualized pricing, can increase efficiency and expand access to products by offering lower prices to consumers with lower willingness to pay. In contrast, in markets involving complex financial products, such as credit cards, mortgages, or insurance, AI-powered personalization may harm consumers who misjudge product costs or benefits. For example, if a consumer mistakenly overestimates the value of a financial product, an AI system may set the price just below that mistaken valuation, leading the consumer to pay more than the product is actually worth. Algorithmic Price Discrimination One area of growing concern is AI-enabled price discrimination, where algorithms tailor prices to each consumer's willingness to pay. Examples cited during the discussion included: ·                 Airlines experimenting with AI-based pricing strategies ·                 Online retail platforms offering individualized prices for identical products ·                 Insurance companies using algorithms to optimize premiums While pricing based on individual risk, such as in insurance underwriting, is widely accepted, pricing based on willingness to pay raises significant consumer protection concerns. As these practices expand, they are likely to attract increased attention from regulators and lawmakers, particularly at the state level. AI Use Cases in Consumer Finance The panel also highlighted several areas where AI is already being deployed across the consumer financial services lifecycle. Marketing and Customer Acquisition Financial institutions are using AI to analyze large data sets and create highly personalized marketing campaigns. Large language models can generate customized messaging tailored to specific demographic groups or individual consumers. While this personalization improves targeting and engagement, it also creates compliance challenges related to: ·                 Misleading advertising ·                 Disclosure requirements ·                 Potential discriminatory targeting Underwriting and Credit Decisions AI-driven underwriting tools allow lenders to analyze alternative data, such as cash-flow information, to assess creditworthiness. These tools may expand access to credit for consumers who previously lacked traditional credit histories. However, they also raise fair lending concerns under laws such as the Equal Credit Opportunity Act and its implementing regulation, Regulation B. Because many AI models operate as "black boxes," institutions may struggle to explain how decisions are made, an issue that can complicate discrimination analyses and regulatory oversight. Fraud Detection AI is particularly powerful in fraud detection, where pattern recognition is essential. Advanced models can analyze transaction behavior in real time to identify suspicious activity while minimizing unnecessary transaction declines. These tools also allow financial institutions to communicate with customers instantly, confirming transactions or investigating suspicious activity through automated interactions. Servicing and Collections Agentic AI may soon conduct both inbound and outbound customer interactions, including: ·                 Customer service conversations ·                 Dispute resolution ·                 Collections calls In some cases, AI-driven voice systems can conduct conversations that are indistinguishable from human interactions. While this technology may improve efficiency and reduce costs, it raises legal concerns about consumer deception, harassment, and compliance with debt collection laws. Core Legal Risks Despite the novelty of the technology, many of the key legal risks arise from existing laws, not new AI-specific statutes. Liability for AI Actions As Joseph Schuster emphasized, AI is a tool, not a liability shield. Institutions remain responsible for the actions of AI systems just as they would for the actions of employees or third-party vendors. Traditional legal doctrines, including agency law, vicarious liability, and unfair or deceptive acts or practices, continue to apply. UDAP Risks AI systems interacting with consumers may create risks under federal and state UDAP laws if they: ·                 Provide inaccurate information ("hallucinations") ·                 Fail to deliver required disclosures ·                 Exhibit overconfidence in uncertain responses ·                 Engage in manipulative behavioral targeting. Fair Lending and Discrimination AI models can unintentionally produce discriminatory outcomes, even when protected characteristics are not used as inputs. As Professor Bar-Gill noted, future litigation may increasingly focus on disparate impact analysis, which examines whether outcomes disproportionately affect protected classes regardless of the model's internal logic. Governance and Risk Management Given these risks, institutions are increasingly adopting governance frameworks for AI deployment. Common practices include: ·                 AI governance committees with cross-functional participation ·                 Model inventories and risk-tiering systems ·                 Vendor due diligence for AI providers ·                 Data mapping and validation processes ·                 Continuous monitoring of AI outputs. Financial regulators are already asking supervised institutions detailed questions about how AI is being used. Institutions that implement structured governance processes are better positioned to respond to these inquiries. The Rise of Agentic Commerce One emerging application of agentic AI involves autonomous purchasing. For example, a consumer might instruct an AI assistant to plan and purchase supplies for a birthday party. The AI would then select vendors, place orders, and initiate payments using the consumer's stored payment credentials. But what happens if AI makes a mistake, such as ordering supplies for 1,000 guests instead of 10? Such scenarios raise difficult questions involving: ·                 consumer authorization ·                 merchant liability ·                 payment network rules ·                 dispute resolution These issues are only beginning to receive attention from regulators and industry participants. Key Takeaways for Financial Institutions The panel concluded with several recommendations for institutions exploring AI deployment. First, distinguish beneficial uses from harmful ones. AI can deliver significant consumer benefits, but firms must remain vigilant about potential misuse or unintended harm. Second, prioritize governance. Robust policies, oversight structures, and risk management processes are essential. Third, remember that existing laws still apply. AI systems must comply with the same consumer protection, fair lending, and disclosure requirements that govern traditional processes. Finally, institutions must recognize that failing to adopt AI also carries risks. As fraudsters increasingly deploy advanced technology, financial institutions may need AI tools simply to keep pace. As AI technology continues to evolve, the legal framework governing its use in financial services will also develop. For now, however, the most important lesson is that innovation must proceed hand-in-hand with careful legal and compliance oversight. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

March Madness is here, is this the year the Wolverines make a championship run after sweeping the regular season vs the Spartans? The NFL offseason has been busy, but what are the Lions doing? World Baseball Classic drama, an 83 point game in the NBA, and some former Corunna guys making a Final Four run in the Prep Spotlight. All that and more, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Blackstone's Public House, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, Nichols Painting, Great Lakes Apparel Co., SportsNet MI

This week on Tales from the Attitude Era, former WWF writer Tommy Blacha and co-host Rob Pasbani are in Hartford for the post-King of the Ring fallout! With The Rock away in Hollywood, the show undergoes a "soft reboot" under the leadership of the brand-new Commissioner, Mick Foley.We break down the scary moment in the ring when Kurt Angle landed a chaotic moonsault directly on Hardcore Holly, resulting in a legitimate compound fracture to Holly's forearm. Tommy Blacha shares the backstage reaction to the injury and how it stalled a major singles push for the "Big Shot."We also witness the formal arrival of Steven Richards and the Right to Censor, as they target the Godfather's "sexuality" and begin cleaning up the WWF. Plus, we discuss the "Boiler Room" office of Mick Foley and his instant chemistry with Edge and Christian.In this episode, we also discuss:- Steve Blackman ending the "shenanigans" of the Hardcore Title with a brutal nunchuck assault.- The Undertaker debuting his new finisher, The Last Ride.- The birth of ""D-Von, Get The Tables!"0:00 - Intro 0:43 - Welcome to Hartford and the "Soft Reboot" summer season1:15 - Where was The Rock? Hollywood meetings and 400 phone calls4:53 - Tommy's "51/49" mindset: Should I stay or go to LA?8:07 - Commissioner Mick Foley: Changing the vibe of SmackDown11:57 - MICK FOLEY'S BOILER ROOM OFFICE: DIY leadership13:37 - Match 1: Guerrero & Rikishi vs. Benoit & Venis15:16 - The "Time to Dance" debate: Servicing the live crowd19:01 - Ratings pressure and the shift to quarter-hour analysis20:41 - Match 2: Kurt Angle vs. Hardcore Holly23:21 - THE BROKEN ARM: Behind the scenes of the Moonsault disaster27:58 - Mick Foley's Hartford history and "Aerodynamic" haircut34:02 - Match 4: Bull Buchanan vs. The Godfather34:29 - THE BIRTH OF RIGHT TO CENSOR: Steven Richards intervenes39:16 - Match 5: Kane vs. Christian / The first "Conchairto"41:14 - Why Taz was in the "Doghouse" with WWF management43:39 - Match 6: Edge vs. Undertaker / Debut of THE LAST RIDE45:52 - Al Snow's hard-luck spit take and Hardcore title hype47:15 - Match 7: Crash Holly vs. Al Snow (Hardcore Title)49:14 - STEVE BLACKMAN wins the Hardcore Championship50:35 - Blackman vs. The Mean Street Posse: A high-production beatdown54:25 - Main Event: DX vs. Chris Jericho and the Dudleys58:22 - Sunday Night Heat Recap 1:05:35 - Outro / Dean Malenko's locker room humorFollow Tales from The Attitude Era on all social mediahttp://youtube.com/@TFTAttitudeEra http://twitter.com/TFTAttitudeErahttp://instagram.com/TFTAttitudeErahttp://tiktok.com/@TFTAttitudeEra Hosted on Acast. See acast.com/privacy for more information.

For all your automotive Information Tune in or if you have questions, please feel free to call us live at The Answer San Diego @1-888-344-1170. Below are the Links for the New Apps to listen live no matter where you are! https://www.iheart.com/live/the-answer-san-diego-6020/ https://www.radio.com/theanswersandiego/listen You can also find all the listening info at: WESTAUTOMOTIVEGROUP.COM THROUGH THE https://theautomantv.com/auto-talk-radio/ Podcast of Show available @ Apple Products, Google Podcast, Pandora, Deezer, Spotify, iHeart, Radio.com and TuneInSupport the show: https://theautomantv.com/auto-talk-radio/See omnystudio.com/listener for privacy information.

Season 6, Episode 720: Servicing the College Fence Builders Excerpt, An Age Gap Hotwife Novella, written and narrated by podcast host Ruan Willow. Blurb: In this MMMMMF, John continues to lead his wife through sharing events with work men who come to the house, and the big surprise of the day is she's helping the work men work this time! She gets a special 'uniform', which is skimpier than one would expect anyone to do work in, but that's not the biggest shocker of the day. When the workers arrive, Laney's jaw drops as she had expected one man, but it's a crew! Not just any crew, this is a band of five sexy strong male college students who build, repair, and paint fences. As John dictates the rules for the day, and for the spicy event that will be the hot delicious finale, all the men and Laney are ready to tear into the day with lusty excited hopes. They are all ecstatic about all the potential dreamy flirty pitstops along the way as they do their duty to get the fence job done, but with much more salacious edging than any of them had expected. Being the female in the group, Laney is looking forward to so many high riding peaks, her highest count ever will surely be achieved with a full beefy crew like this. John's certainly not left out of the fun though! He has outdone himself this time in delivering a scheme for one of Laney's topmost unmet fantasies, and his beaming smile tells all. He's not only overindulgent with his wife, but he's going to reap all the steamy benefits once the guys head home, and for years and years to come thereafter. He's no dummy! Novella 5 in the Servicing the Work Men, My Filthy Hotwife Adventures Series. This contains affiliate links. Get the novella: https://books.ruanwillowauthor.com/servicingthecollegefencebuildersanagegaphotwifestory Get the FULL book: https://books.ruanwillowauthor.com/servicingtheworkmenherfilthyhotwifeadventures Ruan's Links, Newsletter Signup, Affiliate links and Deals:  PodNation Podcast Affiliate link, Get 15% OFF with code podna15 on Ryze Coffee at ⁠https://www.ryzesuperfoods.com/⁠ ⁠Support the show and get exclusive content⁠ Sign up for Ruan's Newsletters ⁠https://subscribepage.io/ruanwillow Get 10% OFF ENTIRE ORDER (min. purchase $69, no usage limits) with code RUANWILLOW10 on pleasure sex toys at https://www.kiiroo.com/ https://offers.feeliate.com/to92wTJh Strokers for men: https://offers.feeliate.com/?lp=5&offer=1&uid=019bea75-2e7d-75cf-a618-850a2d3e8d59 "I especially love my pearl toys from Kiiroo!"says RUAN. Toys with responsive touch are best! See them here: https://www.kiiroo.com/products/pearl3-for-performers All Ruan's links and books: ⁠https://linktr.ee/RuanWillow⁠ Affiliate link, collect your body's health and sexual health info with a wearable device for men from Firm Tech 15% OFF with code ruan15 ⁠https://myfirmtech.com/ruanwillow⁠ BeeDee app. Enter the code ohfuckyeah on the Whips ('superlikes') page to get 1 free Whip, use my affiliate link to check out this app at ⁠https://beedee.app/?r=ohfuckyeah⁠ The Fantasy Box, where you can try out a similar fantasy in a box, or find a theme you like! (affiliate link) ⁠https://thefantasybox.sjv.io/c/6250602/2141126/26423⁠ ⁠Copyright 2026 Pink Infinity Publishing. All Rights Reserved.

Think of recent times when Apple, Samsung, or Google have once again claimed to change the phone, just for you to find out that you can now photograph everyone's wrinkles a little more clearly. Ronan believes we're in an age where performance bikes are like phones, and of course, the geeks discuss it.On Geek Warning this week, Dave and Ronan discuss Cannondale's latest bikes and what they may spell for some other emerging trends. Meanwhile, the PSA segment returns with a warning regarding increasingly common hood slippage. All of that is free to all, while members of Escape Collective also gain access to our popular Ask a Wrench segment at the end of the episode. From our favourite bearing greases to headset woes, there's plenty answered and discussed this week. Happy geeking! Time stamps:  1:45 - Cannondale SuperSix Evo 4.5 12:50 - TT frames as aero road bikes?  24:00 - Favero doubles battery longevity, for free 25:50 - Trek turns 50  26:30 - New Factor Ostro Gravel spotted  30:30 - RIP King Liu  31:30 - Performance bicycles are like phones  45:00 - PSA related to slipping hoods  54:30 - Ask a Wrench with Boulder Grupetto (member only) 55:48 - Mixing and matching SRAM Transmission with other cassettes  1:00:15 - Specialized Crux headset loosening woes 1:10:00 - Quick connectors for fully integrated drop bar bikes?  1:17:20 - Servicing versus replacing bottom brackets, and our go-to bearing greases 

We took a week off but we're back with a lot to talk about! Super Bowl LX and halftime show thoughts, the Tigers are making some moves to make a World Series run, the NBA All-Star Weekend is continuing to decline in excitement, and the Wolverines are #1 in the country and poised for a run in March. A quick Prep Spotlight and a few Tedertainment Tonight recommendations too. Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Blackstone's Public House, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, Nichols Painting, Great Lakes Apparel Co., SportsNet MI

Agricultural Sector: Why easing debt-servicing pressures creates room for improved efficiencies and potential expansion on farms.

Guest: Bob Zimmerman. Starfish Space wins Pentagon contracts for satellite servicing; a new constellation, Logos, enters the market, while India plans an ambitious lunar sample return mission.1931

Season 6, Episode 716: This excerpt is from the novella Anderson, The Pool Service Man Turned Bull https://books.ruanwillowauthor.com/andersonthepoolservicemanturnedbullaudiobook and is a part of the longer book Servicing the Work Men, Her Filthy Hotwife Adventures Full audiobook I've been nominated for books in the Golden Pigtails Awards! I'm super honored to have been nominated! Please vote for my books before February 14 to get me through to the next round. My books are John Gives His Wife Hot Adventures, The Drink Master, and The Arousal Package, plus the anthology I'm in Summer Teases 2. Please vote for me https://alexasommers.com/the-golden-pigtails-2025-semifinals/ Ruan's Links, Newsletter Signup, Affiliate links and Deals: Happy Valentine's Day! Get 10% OFF ENTIRE ORDER (min. purchase $69, no usage limits) with code RUANWILLOW10 on pleasure sex toys at https://www.kiiroo.com/ I especially love my pearl toys from Kiiroo! Toys with responsive touch. See them here: https://www.kiiroo.com/products/pearl3-for-performers PodNation Podcast Affiliate link, Get 15% OFF with code podna15 on Ryze Coffee at ⁠https://www.ryzesuperfoods.com/⁠ ⁠Support the show and get exclusive content⁠ Sign up for Ruan's Newsletters ⁠https://subscribepage.io/ruanwillow⁠ All Ruan's links and books: ⁠https://linktr.ee/RuanWillow⁠ Affiliate link, collect your body's health and sexual health info with a wearable device for men from Firm Tech 15% OFF with code ruan15 ⁠https://myfirmtech.com/ruanwillow⁠ BeeDee app. Enter the code ohfuckyeah on the Whips ('superlikes') page to get 1 free Whip, use my affiliate link to check out this app at ⁠https://beedee.app/?r=ohfuckyeah⁠ The Fantasy Box, where you can try out a similar fantasy in a box, or find a theme you like! (affiliate link) ⁠https://thefantasybox.sjv.io/c/6250602/2141126/26423⁠ Copyright 2026 Pink Infinity Publishing. All Rights Reserved.

No one buys a new car and drivies it thousands and thousands of miles without changing the oil and doing routine maintance or staying on top of maintainace on their new house. What are you doing to service your Christian life?

Introduction Josh Hollander sits down with Vishal Sankhla, Co‑Founder & CEO of OutMarket, to get specific about what “AI in insurance” looks like when it actually changes operations. The focus is commercial insurance workflows—where work still runs through email, PDFs, spreadsheets, and agency management systems—and how to cut cycle time and errors without creating new risk. Guest bio Vishal Sankhla has led product teams at Uber and Meta and previously served as Head of Product at Ethos Life, helping build profitable acquisition channels, the underwriting engine, and the agency partners business. At OutMarket, he's building an intelligence layer for commercial insurance: agent-assisted workflows that make teams faster and more consistent. Key topics discussed Why AI pilots stall: fragmented data, manual handoffs, and inconsistent processes across the submission-to-bind journey. Data first, workflows second: where insurance data lives, how it breaks, and why workflow redesign is the unlock. Policy intelligence: turning policies into structure so teams can summarize coverage, surface gaps, and improve proposals. Servicing and renewals: reducing back-and-forth, re-keying, and avoidable errors with agent-assisted workflows. Integration reality: fitting into agency management systems and carrier ecosystems instead of trying to replace them. Measuring impact: cycle time, hit rate, and error reduction (not vanity metrics). Trust, privacy, isolation: what it takes to earn permission to touch sensitive client data. Quotes “Because so much of this is happening manually, I think a lot of this data tends to get very, very fragmented.” “we built workflows that now literally allow them to drag and drop, and within a few seconds, they know exactly a quick summary” “We've seen a lot of use cases where people are now winning their businesses because of some AI workflows.” Resources mentioned OutMarket Uber Meta Ethos Life Call to action Subscribe for more operator-grade conversations on insurance and insurtech. On YouTube, drop a comment with the workflow you'd most like to fix—and why it's stuck today.

It's the first weekend without football in quite some time, so what are we watching? Starts off with the Wolverines beating MSU at the Breslin Center, Pistons still rolling, new spot to catch UFC, and waiting for that big Super Bowl matchup. A few Prep Spotlight updates, Tedertainment Tonight recommendations, and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nichols Painting, Blackstones Public House, Nelson House Funeral Home, Shiawassee County Fair, AZee Branding Solutions, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, SportsNet MI

Sohail Badruddin joins host Mark Monroe on this must-listen episode of the Real Estate Power Play Podcast titled “Seller Financing Loan Servicing.”With nearly 60 years of combined industry experience, Mark and Sohail deliver a no-fluff, highly educational breakdown of seller financing, subject-to transactions, and professional loan servicing, and why doing these deals incorrectly is putting investors, sellers, and borrowers at serious risk.What this episode covers:• Why seller liability never disappears in subject-to deals• How to properly structure compliant seller-financed notes• The real risks with FHA and VA loans• Why professional loan servicing mattersSohail brings deep insight from loan servicing, Fannie Mae, and compliance, while Mark shares real-world investor lessons you won't hear from gurus.If you're doing, or planning to do seller financing, wraps, or subject-to deals, this episode is essential listening.#SellerFinancing #sellerfinancingstrategies #markmonroe #realestateinvesting #realestate  #cashflow #realestatetips #RealEstatePodcast #taxStrategies #assetprotection

We're approaching February, which means the Super Bowl matchup is set and it is full on college basketball season! We talk about the NFL's big game, and a huge one coming up between the Wolverines and Spartans! Also, Michigan passed a rule for high school athletes now being allowed to make money off their NIL; we talked to a rep from the MHSAA about that ruling and a few other topics. A Tedertainment Tonight, Pistons still rolling, and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Blackstones Public House, Shiawassee County Fair, Nelson House Funeral Home, Nichols Painting, AZee Branding Solutions, Jacobs Insurance, Kori Shook & Associates, Success Group Mortgage & Servicing, Great Lakes Apparel Co, SportsNet MI

Former WWF writer Tommy Blacha and co-host Rob Pasbani are back in the Windy City (or at least Rosemont) to recap a star-studded June 15, 2000 episode of SmackDown. The headline is the guest appearance of Samuel L. Jackson as Shaft! We break down the surreal crossover segments in Time Square and WWE New York, including the legendary moment where Shaft offers to "protect the booty" of Hardcore Champion Crash Holly.Tommy Blacha provides unique insight into the "on-the-fly" nature of the Shaft shoot and what it was like working with a Hollywood A-lister at the peak of his powers. We also discuss the acoustics of the old Rosemont Horizon, the mystery of The Undertaker's sudden arrest for "carjacking," and why Vince McMahon thought Dean Malenko needed to be paired with the Godfather's ladies to get over.Other major discussion points include:- The Dudley Boyz taking a 10-foot plunge off the stage inside a tied-up dumpster.- The Rock, Undertaker, and Kane dealing with a new high-stakes stipulation for their King of the Ring main event.- Lita carving her own path: How her legitimate in-ring ability in Mexico and Mexico's CMLL forced WWE to take the women's division seriously.- The ongoing "Faction vs. Regime" branding war and Triple H's questionable grammar.- Chris Jericho getting "splashed" by a bucket of water from Stephanie McMahon.Don't forget to LIKE, SUBSCRIBE, and tell your enemies about us!Follow Tales from the Attitude Era: Email: tftattitudera@gmail.com Instagram/TikTok/X: @TFTattitudeera0:00 - Intro1:40 - The "Stay Out" Bar and Rosemont's 23-hour liquor laws3:54 - WWE Post-Production: Making Linda McMahon sound dramatic6:55 - Match 1: Edge vs. Grandmaster Sexay (KOTR Qualifier)7:50 - Stone Phillips in the front row / Celebrity cameo talk10:42 - McMahon-Helmsley promo: The new KOTR stipulation17:03 - Crash Holly, Brisco, & Patterson take Time Square17:53 - Match 2: The Hardys vs. T&A / Lita makes the save19:54 - Lita's rise: From a bus to Mexico to the Attitude Era21:19 - Undertaker arrested for carjacking / Spitting tobacco on Bull Buchanan23:21 - Match 3: D-Lo Brown vs. Scotty 2 Hotty (KOTR Qualifier)24:00 - Match 4: Kane vs. Chris Benoit (The "Smart Mark Waiver" finish)25:44 - Edge & Christian's "Mom" drama / Faction vs. Regime debate27:56 - Vince McMahon and the XFL Chicago press conference28:34 - Match 5: Dudley Boyz vs. Edge & Christian29:42 - THE DUMPSTER SPOT: The Dudleys tossed off the stage32:14 - Match 6: Chris Jericho vs. Bull Buchanan 33:42 - Is Jericho being "Herbed"? The verb defined34:57 - Pat Patterson wants to go to the leather clubs35:58 - Val Venis vs. Rikishi brawl / The vicious chair shot39:19 - SAMUEL L. JACKSON meets Crash Holly43:00 - The Sweet 16 King of the Ring Brackets revealed44:20 - The Rock Scooby-Doo promo: "It doesn't matter!"45:23 - Shaft drops Pat Patterson at WWE New York47:02 - Main Event: The Rock vs. Kurt Angle48:22 - Stephanie throws a bucket of water / The Schmoz finish49:42 - Servicing the live crowd energy vs. repetitive booking53:04 - Sunday Night Heat Recap: Benoit, Jericho, and Hardcore Holly57:27 - Outro Follow Tales from The Attitude Era on all social mediahttp://youtube.com/@TFTAttitudeEra http://twitter.com/TFTAttitudeErahttp://instagram.com/TFTAttitudeErahttp://tiktok.com/@TFTAttitudeEra Hosted on Acast. See acast.com/privacy for more information.

Not sure there's a crazier story in recent sports history than Indiana football winning a national championship. What an awesome season for the Hoosiers, we talk about that game as well as the transfer portal and how it's affecting college football. NFL Playoffs are always great, injuries and coaching changes, and what about the Lions' new OC? Prep Spotlight updates, Tigers low-balling Skubal, the Landman season finale, and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Great Lakes Apparel Co., Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Blackstones Public House, Nelson House Funeral Home, Shiawassee County Fair, Nichols Painting, SportsNet MI

The NFL Playoffs are underway and the CFP national title game is still waiting to be played. Big storylines galore with coaching changes, upsets, thousands of kids in the transfer portal, and more! Some Prep Spotlight notes and a Tedertainment Tonight as well on this week's podcast. Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Blackstone's Public House, Nelson House Funeral Home, Shiawassee County Fair, Nichols Painting, AZee Branding Solutions, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, SportsNet MI

In this insightful and thought-provoking episode of the FinTech Hunting Podcast, host Michael Hammond sits down with Trina, Senior Director of Servicing Product Strategy at ICE Mortgage Technology, to explore how AI is transforming mortgage servicing and borrower experience.Learn how AI tools like call prediction, note summarization, chatbots, and intelligent virtual agents (IVAs) are driving:Reduced call handling timesImproved borrower empathy and personalizationSelf-service capabilities that match borrower preferencesIncreased retention and repeat businessDiscover how lenders can meet borrowers where they are, increase satisfaction without sacrificing efficiency, and support them during difficult financial moments—without judgment.Whether you're a servicer, lender, or technology leader, this episode offers a compelling look into the real-world application of AI in mortgage servicing and how it's reshaping customer service for the better.

Gaps in data verification likely contributed to missed double-pledging of assets at Tricolor Auto, prompting changes at rating agencies, Larry Chiavaro, president at his consulting company LC Advisors Group, told Auto Finance News during a special recording of the Weekly Wrap podcast.  Chiavaro also served as executive vice president and co-founder of First Associates Loan Servicing from 2010 to 2021. That company was rebranded as Vervent in 2020. The backup servicer took over Tricolor's portfolio following the company's Sept. 10 bankruptcy filing.  Tricolor is under investigation for allegations of fraudulently double-pledging assets to warehouse lines, with former Tricolor Chief Executive Daniel Chu and other former Tricolor executives facing a federal indictment alleging they committed fraud at the company.  The Tricolor bankruptcy served as a “wake-up call for the industry” and has spurred changes, Chiavaro tells AFN.In this special episode of the Weekly Wrap, Auto Finance News Founder and CEO JJ Hornblass joins Chiavaro to discuss the collapse of Tricolor Auto, backup servicing operations and risk management.  

2026 is here and we're back with a loaded podcast! Ferris State won another national title, their 4th in 5 years, and their offensive coordinator Steve Annese joined us for a chat about the Bulldogs, the transfer portal, and the program they've build in Big Rapids. The Lions end the season with a win in Chicago, but what can they do to get back to the playoffs next season? Michigan has a new coaching staff, storylines galore in college football, the CFP is down to the final four teams, and plenty more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Blackstone Public House, Nelson House Funeral Home, Shiawassee County Fair, Jacobs Insurance, Nichols Painting, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, SportsNet MI

BUSINESS: Debt servicing drops; obligations increase | Dec. 23, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

It's the holiday season but Michigan football keeps giving us plenty of storylines to talk about. What are the Wolverines going to do at head coach after the departure of Sherrone Moore? The Lions playoff chances are slim but can they win their next 3 games and sneak in to the postseason? MSU and Michigan hoops rolling, Pistons staying in first place, some Prep Spotlight updates, a Tedertainment Tonight, and more! Take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Shiawassee County Fair, AZee Branding Solutions, Jacobs Insurance, Nichols Painting, Success Group Mortgage & Servicing, Kori Shook & Associates, SportsNet MI

Servicing Foxx Inc: Part 6 Free Use Friday Jayce roams the building, initiating public sex acts, while the ladies pretend he s not there. By PtmcPilot listen to the ►Podcast at Steamy Stories. I awoke earlier than normal on Friday morning, eager to get to Foxx Inc so as not to miss out on even a minute. I was sitting in the entrance waiting area, attired in a suit and tie and sporting a nametag bearing 'Jayce', a good fifteen minutes before anyone else arrived. Shortly past 0 700 I got an email from Ms Olson. It was titled 'Friday.' Opening it I found everyone but myself was bcc'd. It was a short note that simply read "FuF rules are confirmed and in effect until C O B today. Those not wishing to passively participate are required to avoid potential situations or exit as needed." I wasn't entirely sure what that last part meant, but given I was definitely not the passive participant for today, it clearly did not apply to me. I sat in the large room with a notepad and a coffee. As women arrived, I took note of who was wearing black or blue. The first to arrive in a black dress was Ms Cartwright from accounting. I moved to stand in front of her and she stopped, staring right past me. I lifted her secondary badge, noted the tri-graphs, and stepped back out of her way. It was almost like I had briefly put her in a trance. Over the next hour I repeated this procedure a total of four more times. Five women had decided to play, and my first task was to initiate the game. List in hand, I made my way to Ms Maddox' office. I found her sitting at her desk, apparently checking email. I walked up behind her and unbuttoned her blouse before sliding it off her shoulders. I then unhooked and removed her bra before spending a good couple of minutes kneading her breasts and sucking at her nipples. Then I threw her bra into my bag and left her office. I repeated this scene four more times, or actually three, because one of the women was already without a bra when I found her. Cindy from I T, who I knew as 'Ms Velma', was sitting in her office having a discussion with another woman who I noticed was not wearing black. Ms Velma, however, was wearing a purple sweater and a black skirt. "Amanda I really don't know what to tell you," Ms Velma said. The other woman, who I knew as Amanda Stevens from operations, seemed a bit surprised to see me before realizing what was about to happen and she stood up. Ms Velma said, "Amanda, where are you going? Don't you want to talk about this?" Ms Stevens looked at me, back at Ms Velma, and meekly retook her seat. I tried to ignore her as I lifted Ms Velma's sweater to find her big triple D tits already bare, and her nips rapidly hardening. I immediately started to knead them, latching on aggressively to the taut buds atop her tits. Ms Stevens cleared her throat, then said, "It's just that Jane isn't pulling her weight and it's dragging down my team." Ms Velma moaned as I gave her breasts my full attention, and I stole a look at Ms Stevens, who appeared equal parts shocked, embarrassed, and turned on by the scene before her. My mission here accomplished, I reluctantly let go of her very large and soft tits and walked to the door. I noted she was resuming her discussion as she pulled down her sweater, every bit in character like nothing had just happened. Having finished the opening phase of today's game with some luscious breast play, I headed back to my office to finalize my plans. The list of participants consisted of the following women: Ms Maddox, Ms Velma, Ms Cartwright, Mandy Thomas (who I called Ms Mandy after another crazy introduction), and Ms Jenkins. I checked the schedules for the various women, and it didn't take me long to decide that Ms Jenkins, our on-site nurse, would be my first of the day. She was on site once or twice a week, and our paths had not crossed since my first day at the firm. On that occasion she'd coaxed a sizable sperm sample from me, later telling Ms Olson that she was disappointed she hadn't been able to 'collect' that ejaculation with her mouth. In my mind I relived the exam from that day and soon enough found myself hard and ready to go. It only seemed fair to deliver what was likely to be my biggest load of the day to the nurse who had waited so patiently to receive it. Arriving at her office, I found her in discussion with another woman I recognized, but one who was not on today's, er, agenda. Ms Jenkins was seated behind her desk, and from the few seconds of conversation I gathered they were consulting on something. However, upon seeing me enter the room, the other woman excused herself, "Angela, if it's okay with you, I'll come back a little later to finish this." Ms Jenkins nodded, "Certainly Sarah, my calendar's up to date." And with that Ms Reese (Angela) stood and left the office without so much as a glance in my direction. Ms Jenkins locked her desktop and picked up an iPad. Suddenly struck by the idea of a CFNM fantasy, I removed all my clothes, placing them on the empty chair vacated by Ms Reese. I then lifted her blouse to play with her titties as I put her hand on my swiftly stiffening cock. Staying in character, she didn't look at me or say anything, but she did lick her hand to provide some lubrication as she started to stroke me. I was struck by another inspiration, and I pulled away from her briefly to rifle the drawers and find some lube. It didn't take me long to find what I was looking for, and then I took her other hand from the iPad and squeezed some lube on her fingers. I placed her fingers up against my ass, and without acknowledging me, she continued to look past me as she slowly worked a finger into me and started to massage my prostate. I figured if I was going to give her a load, I ought to do my best to make it worth her while. Though I was enjoying having my hands full of her breasts as she stroked me, that wasn't what I was after. Taking a fist full of hair at the back of her head, I guided her mouth to me. She still didn't say anything, but she did start to lick and suck me. After a few minutes I let go of her hair and again filled both hands with her breasts, squeezing her nipples as I did. She was breathing more heavily around my cock, and her fingers were working their magic on my prostate. It was the beginning of the day, and I didn't see any reason to keep the lady waiting. Through moans and groans, I let her know I was getting close, and then at exactly the right time she powerfully stroked my frenulum with her tongue, and I exploded in her mouth with my hands still groping her tits. It was a very strong orgasm and it continued for a good amount of time. Satisfied I had delivered on that debt, I let the Ms Jenkins slowly nurse my softening cock until I was sure she had swallowed everything I could offer. Breathing heavily, I eventually pulled out of her mouth and moved away from her penetrating fingers. Redressing, I left her sitting with her breasts still bare, one hand sloppy with lube, and a belly full of my come. It was a good start to the day. She was smiling as I walked out. Back in the office, there were some things that needed attention. A couple of services contracts, an email or two from the boss ladies, and a quick shower to reset my playing field for the next appointment of the day. At that moment Ms Velma was prominent in my mind, and it didn't take long to realize I really wanted to make good use of her huge titties before lunch. I waited a little more than an hour before making my way to the IT offices. Ms Velma was in her office, sitting on her couch moving through something on her iPad at ridiculous speed. I went over to her, lay down and put my head on her lap before lifting her sweater and commencing to feast on her titties. Squeezing, kneading, tweaking, sucking and licking, it was a boob lovers paradise, and her sweater puppies were quite off the chart. After some time, she sat the device down and leaned back into the couch. At this point you could assume she was staying in character and just relaxing for a bit, except for the nearly continuous sighs and moans my efforts were eliciting. A glance at the clock told me I'd been mauling her tits for over fifteen minutes. I unbuckled my trousers, withdrew my hard dick, and she started to stroke me as soon as I placed her hand on it. I let her continue until her strokes became more insistent, then I at last disengaged from her breasts and stood. Bending her over the end of the couch, I tossed her skirt up onto her back and guided myself into her thoroughly wet snatch. She groaned as I bottomed out, then I took her big titties in both hands, took firm grip of her nipples, and began to pound her into tomorrow. I've mentioned Ms Velma is a thicc lady, and I knew the fucking I was delivering wasn't bothering her in the least. Quite to the contrary, as my efforts were rewarded with all manner of grunts and groans which were quite out of character for today. Not that I minded. A few minutes later she made a squeak, slapped the arm of the couch, gripped it firmly, and started to twitch. My work accomplished, I joined her straightaway, pumping her full with my second delivery of the day. Once finished, I remained inside her for a couple minutes, enjoying the feel of her for a bit longer. But at last I had to go, and I nonchalantly redressed, noting she was still bent over the couch as I left her office. After a quick shower I pondered lunch and my next, ah, delivery. I emailed Ms Mandy and asked her about her lunch plans. To her credit, she didn't ask me why. She replied quickly that she would be in the second floor break room having some leftovers around 11 hundred. That gave me about an hour to freshen up, hydrate, and relive the first time I got to enjoy Ms Mandy. It was a couple of weeks ago when Ms Olson told me I would getting a special visit. What that meant was the dynamic duo of Mandy and Candy. Both unicorns: single, bisexual women who happened to also be quite attractive. I'll tell the story another time, but what's important to know is the memory of those two that afternoon, and Mandy's snapping cunt, had me on my way to hard even after two great climaxes. Shortly after 11 hundred I sauntered into the break room on the second floor to find, unsurprisingly, both Mandy and Candy. But to my surprise, Ms Candy was now sporting black slacks, which she hadn't been earlier. She was also wearing black lipstick and chewing what appeared to be half a pack of bubbleyum. As I entered neither woman looked at me, though Ms Candy was smiling and licking her lips. I turned and locked the door. Ms Candy said, "Why'd you lock the door?" Ms Mandy shrugged and took another bite of her lunch, which smelled great. "I thought we might want to have a private discussion." Candy nodded and smiled. "I was going to get lunch in the cafe later. What did you want to talk about?" Mandy shrugged, "I'm sure we'll think of something." During this brief exchange, I had lifted Mandy to her feet, removed her skirt (no panties), and took off my slacks as well. I left Mandy standing and moved to Candy. She needed no guidance to take my nearly stiff cock in her mouth. Like many women in the firm, she was a practiced and enthusiastic fellatrix. I reached over and pinched Mandy's nipples. She said, "Were you thinking of a protein drink?" Candy pulled off me momentarily to reply, "I was kind of hoping for that, but sometimes you can't get what you want." Mandy bent and took another bite as I twisted a nipple. She inhaled sharply, then let it out slowly. "Too true. I brought this but I'm still hoping for a nice warm sausage." Now that I was hard, I turned Mandy's chair around and sat in it, then pulled her down on my cock. She was now facing Candy and mounting me astride. I now turned my efforts to snacking on her nipples. Mandy had smallish breasts, but the most important thing to me was partner responsiveness. Her nips were like tiny pink eraser tips, and they were connected directly to the orgasm center of her brain. Candy asked, "Care to share if you do?" As I licked and tugged Mandy's nipples with my teeth and tongue, and she clamped down hard on my dick. When she wanted to, she had the tightest cunt ever. I began slowly bouncing Mandy on my cock as I continued my attention to her nips. Candy cleared her throat, "You know I can tell when you're doing Kegels, right?" Pinching one nipple and sucking and nibbling the other, Mandy forgot about her lunch. She moaned rather obviously, and said, "Never a, ugh, bad time for exercise. Mmm." Having already climaxed twice, I was feeling somewhat in control, though it wasn't easy with Mandy unpredictably squeezing my cock with an insane rippling sensation. Sometimes on the way up, sometimes on the way down. But through it all I kept firm control of her nipples. I could not see Candy, but the smacking of the gum stopped and I heard her chair back up. "Well, seeing as you locked the door to do your, um, exercises over lunch, you make me want to help." I looked up to see Candy lean down and take Mandy's face in her hands and land a solid lip lock on her. The two of them moaned and Candy slid a hand down Mandy's belly and right to her clit. The combined effect was to push Mandy right over the edge. And then it happened a second and third time. At the end of this the constant vigorous Kegel massage of my dick had me right on the edge. I lifted Mandy clear of my cock, and as it slapped against my belly I guided Candy right to it. No sooner was I in her mouth than I erupted. Maybe it was the whole scene, but I felt like I came a bucket. When Candy finished sucking me dry, she immediately kissed Mandy, "Always great to meet for lunch," she said. Guiding Mandy to her still unsteady feet, I started to redress. "What do you know," she began,"we both got what we were looking for." I unlocked the door and started to exit. Another woman, Jenny Soo, was there. I pulled the door shut behind me. "They'll need a minute." Her gaze shifted from me, to the door, and back to me. She nodded then turned away. I stopped in the cafe on the way back to my office, aware that I no doubt smelled of sex but with too much of an appetite to really care. I got a sandwich from the grab 'n go and returned to my office. I was surprised to find Ms Olson sitting on my couch. I noted she, at least, had not changed attire. She gave me her trademark cat got the canary grin, and said, "My sources tell me you are having quite the day. What's your view?" I sat down, took out two bottles of water and started to unwrap my lunch. I returned her look with my best version of it. "I have to say, the whole scenario is a hell of a turn on." She smirked, "You have what, two to go?" She looked at her watch, "And more than four hours to do it." I swallowed a big bite, "Two, yes, if no one changes their mind." An eyebrow rose, she said, "I see my sources are somewhat lacking, Mr Jeffries." She leaned forward, her blouse falling away to give another awesome view. "Care to let me know?" "I met Ms Mandy and Ms Candy for lunch. Well, in their words, Mandy had a warm sausage and Candy had to, ah, settle, for a protein shake." "The minx," she said, still smiling as she stood. "Enjoy the rest of the day." As the door closed behind her I said to myself, "Not possible not to." The sandwich, which would have certainly been average on any other day, was awesome after the exertions of the morning. I again showered, dressed, and took a nap with my alarm set for 14 hundred. Ms Cartwright had a workout in her future. Shortly after 14 hundred I walked into her office, where she appeared to have just started a meeting with another woman. I went over, took her hand and guided her to her feet. "Jenny, where are you going?" The woman asked. "Uh, urgent restroom break. We can reschedule," Ms Cartwright replied as we walked out of her office. Oh, I may have neglected to tell you about the new tri-graph I found on her badge this morning. All by itself were the three letters "SOB." I was sure I'd never seen it before, and a quick check on the intranet site confirmed that. This new one, which stood for "Sex Object," had been added only yesterday. Now, you may be thinking "Sex Object" was what's been happening all day to that point, but not quite. I walked her to my office, whereupon she stayed right where I left her. After closing the door, I slowly removed her clothes and hung them in my closet. I left my shirt on, but removed my slacks and shoes. I laid a towel on my couch and led her to her knees in front of that spot. I sat down in front of her and guided her mouth to my only half stiff cock. I put her hands behind her back and fondled her breasts as she started to suck me. While she typically wanted me to fuck her face, I figured the SOB wouldn't mind doing something she typically didn't opt for. As she worked me with her tongue, I sat back and checked emails. Yes, I do believe this is the best way to perform that task. She was active, bobbing her head, licking the length of my shaft, flicking her tongue against my frenulum, and doing a good number of other things I couldn't quite pin down. I let her continue until I felt I could actually come, then I stood and led her over to sit on the couch. I put her ass right on the edge, then lifted her legs to put her knees against her shoulders. Putting her elbows under her knees to hold her legs back, she surprised me by almost putting her feet behind her head. Then I slid her hands downward and had her hold her labia spread wide. If you search for 'Viennese oyster' you should get a decent visual. While I had planned to just dive in, after all I was interested in enjoying her enjoying herself as well, presented as such with a nice wet cunt, I plunged my cock into her instead. Up until now she'd been staring straight ahead, no acknowledgement of what we were doing. But as I slammed into her, her eyes rolled and she let out a low moan. I fucked her hard, for about three or four minutes, until I felt I was close. Time for some oyster. I pulled out and immediately dropped to my knees and pushed my face against her as hard as I could so I could get my tongue as deep as possible. I added a couple of fingers (this position makes her g-spot nicely accessible), and proceeded to give her a thorough tongue lashing. However, I paused regularly to keep her from coming. After several minutes I stopped, stood, and rearranged her so that she was in a kind of fetal position but with her arms wrapped around her legs. Her cunt and ass were again nicely accessible. Using a soft touch I had her close her eyes and I went to get something from my desk. Rejoining her, I inserted the lube applicator into her ass without preamble. She groaned as I did. Dropping it on the floor I pushed my not quite fully had cock back into her cunt and started to fuck her slowly and deeply. I figured this would get both of us close, but not to the finish. Soon enough, she was moaning with desire and frustration, and I was fully hard and starting to get close. A few more strokes in her cunt and I hit that point where I knew I was going to come. At once I pulled out of her cunt and all but slammed into her ass. I came a couple of strokes later, grunting in satisfaction, and barking out "fuck!" as I pumped her full. Her own groan, and delightfully clenching asshole, signaled she was right there with me. I waited until I was nearly soft before withdrawing and going into the washroom to clean up. When I came out and started to dress, she was still in position on the couch. I led her to her feet, had her open her eyes, which definitely said "Umm," and slapped her ass to move her toward the closet. She took her clothes and went into the washroom. I was at my desk when she came out a little while later, walked over to me, and planted a full open mouth kiss on me for what must have been a full minute. As she broke the kiss I reached down her blouse and pinched a nipple, for which I was rewarded with squeak. "Bad SOB," I said with a smile. She gave me an appraising look, then a long wink, and then she turned to go. I checked the time, 14 30. Making it back to stature by 16 hundred for Ms Maddox was going to be a challenge, but then something occurred to me. Smiling to myself I knocked back a bottle of water and some pineapple juice, then took to the couch for a nap before my last call. Ms Cartwright might not be done for the day after all. I awakened instantly to my alarm, a behavior deeply ingrained by a few years on board ship. Unless I was physically unable to do so, a loud noise, alarm or such would bring me fully alert in a moment. Really bad things like fires might be rare on subs, but shit can, and does, happen. It was 16 15 and Ms Maddox was on the menu as the last course of the day. I'd only been with her twice, the first being a romp in the gym when I didn't even know who she was. She was tall, athletic, toned, and could be a dynamo when she wanted to. I hadn't intended for her to be last, though to be fair someone had to be. Not having much of a plan, I tussled my hair, straightened my clothes and left my office. First stop was Ms Cartwright's office, just in case a fluffer proved necessary. SOB collected, we walked to Ms Maddox's office. I had my potential sex aid stand beside the office door, and the nearby executive assistant looked up at her, and said, "Do you need to see the boss, Jenny?" She shook her head, then said, "Nope, I'm just going to hang out here in case I'm needed." "Needed for what, exactly?" Jenny, Ms Cartwright, just shrugged and stayed in place. I went into the office. Inside I found Ms Maddox pacing her carpet angrily. Her fists were clenched, and upon hearing the door click she spun, no doubt to demand the exit of the intruder. However, her gaze swept over me and her features instantly, and only momentarily, relaxed. After all, there really wasn't an intruder. She turned her head and pushed her hair back, showing me a Bluetooth earpiece, which currently displayed a blue light. Her fists clenched again and she tapped the device and the light went dark. "I don't care how badly your company wants to prime the Escher opportunity, Carol, don't go up against us on this one. You'll lose." Well, the boss lady was keyed up. Time to get to work. She was wearing a black skirt, which I removed as she continued to have her high tense discussion with the other party. Hanging it in the closet, I looked around her office until I found her workout gear and then a small towel. I placed this across  the middle of her desk in front of her chair, then cleared a few things from the opposite side. As I guided her up onto the desk and sat her bare ass on the towel, I recall her ending the phone call with, "If that's your final decision Carol, remember, there's no I in team, but there is a 'u' in fuck." She actually said this last bit quite calmly, which was probably disorienting on the other end. I sat in the chair in front of her and put her feet up on the arms. "Damn it," she spat. "Jackie," she yelled, "get Carlton on the line." I hadn't had the chance to go down on Ms Maddox the last time we'd been together, so I stroked the inside of her thighs as I examined her cunt. She was an outie, with, in my experience, longer than average labia and a prominent, though perhaps not exactly large, clit. As I took her lips between my fingers and started to move them back and forth to stroke her clit, she moaned heavily and rested back on her elbows. This had the added effect of giving me even better access. Boss lady was always in control, but when I licked her clit she suddenly reacted out of character, "Shit!" she yelped. Then she said, "Oh, sorry Bill. I managed to stub my toe right as we were connected." After a couple of minutes her clit was a solid nub, maybe half an inch long, and it was too good a target to pass up. Pulling her labia wide to pull on it, I put my lips around her clit and slid them down, slowly moving my tongue against her. Somehow she didn't make a noise, but her right hand beat against her desk. I was stroking her entrapped clit with my tongue as her conversation continued. Then she gave me a slight tap on the head and I looked up. She gave me a 'pause gesture', and I let go of her bits. She smiled, and was nodding as she tapped her earpiece again. "Thanks for that Bill," she said, "We're ready to discuss being exclusive on Escher." She laughed, "Of course I was just on the phone with her, weren't you?" Seeing that I had a moment or two, I noticed I wasn't close to hard enough to service her. Time for SOB round two for backup. I lifted Ms Maddox's legs from the chair, stood up and put her legs back down. I went to the door, standing to the side so no one saw me, and reached for Ms Cartwright. I took hold of her arm and pulled her into the room, closing the door behind her. As I led her to and then under the desk, she didn't react and remained a good SOB. I sat back down in the chair, had Ms Cartwright take me in her mouth to start her fluffer action, and positioned Ms Maddox for her finale. I was stroking her inner thighs, quite high up, still careful to stay away from her actual bits. I felt myself responding nicely to the blowjob I was getting, and smiled to myself at the number of threesomes I had suddenly been part of. "Bill," the boss lady said, "that's great. Let's go win this thing." Then she tapped me on the head again, and this time I nodded. Again I sucked her clit into my mouth, trapping it firmly between my lips and teeth. Putting my hands on her hips, I decided to continue, focused exclusively on her clit. Moving my tongue on her over and over, and stroking her bud with my lips, I could tell by her tensing and fidgeting that she was getting close. That was good, because I was now fully hard, and my fellatrix was going for the prize I intended to give Ms Maddox. A few more strokes and Ms Maddox went rigid for a good ten seconds before her clit started to throb and then she let out a powerful grunt as she came. I continued my effort until those throbs became less powerful, then shifted to slightly stroking her. When at last I felt her breathing was near normal again, I went back to aggressively pleasuring her clit. Her breathing accelerated at once and I knew she was close. Pulling out of Ms Cartwright's mouth, I pushed back the chair, stood up and thrust myself fully into Ms Maddox. She grunted as I bottomed out, and her breathing picked right back up as I fucked her fast and furious. I hoped she was close, because I didn't think I had many minutes of hardon left for the afternoon. Knowing I was close, I reached between us and tugged on her clit. She came a moment later, her clit pulsing between my fingers and her cunt clenching at my cock. I groaned and started to shoot my fifth load of the day into her. I fucked her through our mutual orgasms, then slowed and finally stopped, still enjoying being inside her. At last she gave me a signal to withdraw, and I helped her to her feet and she went to her washroom. I reached under the table, pulled Ms Cartwright out and to her feet to find her quite flushed. I guided her to the door and ushered her out with a squeeze of her ass. I redressed and left the office before Ms Maddox re-emerged. Returning to my office, I sank down in the chair and took a long drink of water. I realized the whole weekend might be needed to process the events of the day. It was just before 17 hundred when the four ladies came for their bras. One by one they came in, held out a hand for said garment, and left with it. Next to last was Ms Maddox, who gave me a kiss as well. "What a fabulous way to start off the weekend," she said. Last was my SOB, Ms Cartwright. But she didn't follow the others. She came in, locked the door, and sat down. "Now that it's after hours, I'd like to talk." I wasn't sure where this was going, but I had a suspicion; though I couldn't tell you why. "About?" I asked. "You, today, all of that." she said with a leer. "Something wrong?" I asked. She smiled, "Quite the opposite. I thought you played today perfectly, even if the last part left me high and, eh, wet." "Thanks, I;" "You always play me perfectly," she interrupted. "And that's what I want to talk about." "Jenny, trust me, I had no idea what I was doing. I just went along with every part." "And still it was awesome!" I just nodded, still not sure where she was going with this. "I have a proposition for you," she said with a grin. When I didn't respond she said, "Join me for a full weekend?" I thought about it for a moment and decided that might not be a good idea, "You know I think you're awesome, but that's here at Foxx Inc. Outside would be different, and might make things weird at work." She looked disappointed, but not upset. "So that's it then?" "Not 'it', and not forever. But certainly for today, for now," I said. And then, to my great relief, she smiled, squared her shoulders and stood up. "Ok Tom, challenge accepted for the next time." "Challenge?" I asked. She winked, "I'll get you to spend a weekend with me sometime, mister." Then she left. I sat in my chair, wondering what the next, right move was with her, when a couple of minutes later, the door clicked and in walked Ms Olson. This time, like many others, just a step short of a walking dream. "Tom, how are you?" Before I could reply she added, "What did Jenny want to talk about in private?" I wasn't sure how she knew the door had been locked, but I didn't bother to dishevel. "She wanted to continue the fun over the weekend." She crossed her legs, holding her top knee in her hands, "Really? Well, color me surprised." She paused, watching me like an antelope at the watering hole. "And why did you say no?" Rather than acknowledge her seeming ability to read my mind at times, I shrugged and said, "It would be fun, but it sounded too, well, off the books." "So you thought about agreeing for some time?" "For a time, I was tempted by her offer," I said, wondering if Ashley would get the reference. "How much time?" she replied, quite to my surprise. "Actually, zero point six eight seconds." Ashley guffawed, then snorted, then waved a hand wildly at me for a few seconds before she collected herself enough to say and laugh at the same time, "You're no Data!" I laughed with her for a good minute, and then as we calmed down, she gave me a hug and kiss. "Tom, would you like to spend the weekend with someone?" My expression must have given me away, and she smiled quickly and touched my arm, "No Tom, I don't mean me, though I find it quite flattering that you would think so. Go home, and when there is a knock at your door, make up your own mind." I returned her hug, "Thanks Ashley." "You bet. And no obligations. Two consenting adults and all that," she said. Then she broke the embrace and departed. I arrived home about thirty minutes later, finished off the one beer I typically let myself have, and about an hour after that, I was just starting to think about dinner when there was a knock at my door. I opened it to find a brown haired woman of my height on the doorstep with a bag in her hand. She looked familiar, and after a moment I recognized her, though I did not know her name. She'd never been in the rotation. I backed away and held the door wide, "Would you like to come in?" She regarded me with kind eyes, nodded, and entered, dropping her bag near the door, which I shut behind her. She turned and looked at me, "You don't know my name, do you?" "No, but to be fair I work with a lot of people." "You've been there long enough to know everyone." "That's true, I admit. In my defense, you've never been on the, uh, schedule, and we've never talked." Suddenly, two pieces of data about her clicked. "You're Melissa Johnston." "Mel, Johnson," she corrected. Then looked quizzically at me, "how did you;" "There are only a few women at the firm not in the, ah, rotation," I started. "Though no one ever talks about the reasons." She was still looking at me, her eyes unchanged, "But do you know my reason?" "You're engaged," I said. "I'm certain relationship status doesn't affect your job, does it Tom?" she asked coolly. "I can only assume the engagement is the reason you aren't in the rotation, I'll never ask. Everyone who decides to, ah, play, does so of their own volition. You yourself are a good example. No one ever should ask why others choose to play or not." "You don't think they talk about it?" she asked with a sharp note in her voice. I shook my head, "I've never heard one person question why another did or did not join in. And everyone discusses the PBS arrangement pretty freely. Seems to me it is very much up to the individual." She gave me a small smile, "Okay Tom, then here it is." She turned from me, walked a bit, then turned back, "I was engaged, for several months. I thought we were exclusive until my fianc proved me wrong. Now, instead of having someone to come home to every day, I've been sick and lonely for a month. A month! And it sucks!"  I said nothing and let her continue, and after a few moments she did, "I'm not looking for a fucking replacement, but it would be nice to enjoy a weekend with someone and not feel like I was going to get screwed over for doing so!" And then she started to sob, and I wondered what the fuck Ashley had been thinking. And then I realized Ashely knew exactly what the hell she'd been up to. I took Mel in my arms and gave her a hug. "I would really like someone too," I said and we both giggled. "While screwing your coworkers is a lot of fun, it makes for lonely weekends." She sniffled, wiped her nose on her sleeve and looked up at me, "Lonely? Really?" I shrugged, "Well, maybe more restful and lonely than just lonely." She laughed, nodded, then gave me a brief kiss on the cheek. "I didn't come here looking for sex." "And I don't expect it. So what do you say to ordering some food, watching a movie or two, and going to bed with a comfortable presence that doesn't have expectations?" "Thai?" She suggested. "Nah, Lebanese?" I rejoined. She sneered, "Korean?" I shook my head. "Pizza?" She smiled; Meatlovers!  And with that I called my favorite joint. We watched two movies, and snuggled up in bed without a hint of sex and got a great night's sleep. Which is not to say the rest of the weekend stayed completely platonic. By PtmcPilot for Literotica

Ellick Tsui, Deputy CEO and CFO, CTF Life, joins Fiona Horsewill, Global Head of Securities Services, HSBC, and Lisa O'Connor, Global Head of Client Change in Securities Services, HSBC, to discuss the pivotal role insurance and asset servicing play in fortifying Hong Kong as a leading international financial hub.This episode was recorded on 14 October 2025.Disclaimer: Views of external guest speakers do not represent those of HSBC.

December is here, conference championship weekend is done, and the NFL season is coming down to the wire. Can the Lions build on the big win over the Cowboys? Our thoughts on the CFP bracket and Notre Dame opting out of bowls, and the Wolverines and Spartans hoops playing well early on. All that and more on this week's podcast, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, Nichols Painting, SportsNet MI

This week's episode is perhaps a little more behind the scenes than most. Ronan tells Dave about his nine-month tyre-testing project and why he is now ready to actually test tyres. There's chat about the struggles in picking products for our favourite things lists. And you'll hear a conversation that involves a lot of cliches such as ‘you don't know what you don't know' and ‘listen to your bike and body'. Of course, there's a PSA, and somehow the conversation even turns to elephant asses. Oh yes, the Geeks cover some real ground in this one!Members of Escape Collective get all of that plus the Ask a Wrench segment (with pro mechanic Brad Copeland). It's a big segment this week with five questions answered, but like every other week, it's only available on the member-feed. Speaking of which, members can now access these episodes on Spotify!Time stamps:00:45 - Ronan's long-awaited tyre testing15:10 - The struggle of picking our favourite products23:00 - It's the last 5% that counts the most39:00 - The latest Rabbit Holes42:00 - PSA: The organised mess51:00 - Ask a Wrench (members only)52:00 - Servicing hubs and dealing with freehub drag1:01:25 - Singlespeeds and chain wear1:08:30 - Toe spikes and dealing with faulty shoes1:14:00 - Our preferred safety window for Hookless Road1:21:00 - A torque adapter question

The Loan Servicing Software That Hard Money Lenders Won't Stop Talking About (Including Hard Money Mastermind Members) Unlock the loan servicing software that hard money lenders cannot stop talking about — including members of the Hard Money Mastermind. In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon sit down with Bryce Matheson for a full demo of Lendr Software, one of the fastest-growing loan origination and servicing platforms in the private lending space. If you're a private lender, hard money lender, fund manager, or note investor looking to streamline operations, automate payments, manage borrowers, track capital, or impress investors with clean reporting — this is the software demo you need to see. ▶ Check out Lendr Software: https://LendrSoftware.com (L-E-N-D-R Software.com — tell Bryce the Private Lenders Podcast sent you!) Whether you're listening on audio or watching the full video walkthrough on the Hard Money Mastermind YouTube channel, you'll get an inside look at how lenders are using this technology to scale their portfolios. What You'll Learn in This Episode • Why more private lenders are switching to Lendr Software • Live demo of borrower portals, investor dashboards, ACH payments & automation • How lenders can track capital, maturities, applications, and pipeline forecasting • Tools for underwriting, pull-credit features, document portals & draw requests • How repeat borrowers use the platform (and how it saves lenders hours each week) • How investor reporting, statements & tax docs are automatically generated • Dashboard metrics every lender should monitor ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

It's been quite the up n down football season for fans in the state of Michigan. After seeing the Buckeyes dominate the Wolverines in The Game, is it time to start wondering about Sherrone Moore as head coach and Bryce Underwood at QB? MSU got themselves a new head coach, will Pat Fitzgerald turn around the Spartans program? The Lions just can't seem to catch a break this year, and it continues with injuries and a loss to the Packers on Thanksgiving. Are playoff hopes all but gone? MHSAA football state finals recap in the Prep Spotlight and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Nichols Painting, Shiawassee County Fair, Rivals Taphouse & Grille, AZee Branding Solutions, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, SportsNet MI

Happens every year, but Thanksgiving has snuck up on us once again. The Lions won in dramatic fashion, now they get the Packers on Thanksgiving in a must-win game. Michigan is sitting at 9-2 ahead of The Game; can they somehow figure out a way to get their 5th straight win in the rivalry? Headlines have been made in our local high school sports world; we give a few thoughts on a 'scandal' that has our hometown talking. Thanksgiving Weekend always means high school football championship time; we give a few thoughts on the games in the Prep Spotlight. All that and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Rivals Taphouse & Grille, Nelson House Funeral Home, Nichols Painting, Shiawassee County Fair, SportsNet MI

[Housing Wire] Trade group seeks to exclude mortgage programs from future government shutdowns.  [Yahoo Finance] Here's where the experts see mortgage rates trending 2026-2029. [Yahoo Finance] The Trump Admin floats the idea of portable mortgage loans. Watch our video podcast here!

One week everyone is feeling good about the Lions, the next week they get crushed and are sitting on the outside looking in of the playoff picture. The NFL really is a week to week league, can things be straightened out in Detroit? Michigan hasn't won pretty their last couple games, but they're sitting at 8-2, can they somehow sneak into the CFP? Troubles in East Lansing, some Prep Spotlight playoff updates, and a Tedertainment Tonight. Take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Jacobs Insurance, Nichols Painting, Kori Shook & Associates, Shiawassee County Fair, AZee Branding Solutions, SportsNet MI

This episode was recorded a few weeks back, and it's been on the shelf ever since, so you might find it's slightly out of date, but on this one, Matt, Darren and I are talking about Rolex servicing, we reflect on our Post-Reconsolidation Challenge, and then we get into Tudor and Darren and I discuss a recent JLC Event at the Time+Tide Discovery Studio. There's swearing throughout, so please throw on your headphones if there are any sensitive ears around. 

Listeners of the pod know we love College GameDay and D2 football, and the guys at Division 1 Rejects are building something that showcases 'smaller school' rivalries with a GameDay feel. Kobe Manzo from @D1_Rejects joins us to talk about his background, what they're doing at D1 Rejects, and more! Lions move to first place with a win over Washington, Pistons and Cade Cunningham are off to a hot start, high school football playoffs keep rolling on, and plenty more! Take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Jacobs Insurance, Kori Shook & Associates, AZee Branding Solutions, Nichols Painting, Shiawassee County Fair, SportsNet MI

As drivers hold onto their vehicles longer than ever, service complexity continues to rise. In this episode, GM's Aaron Charbonneau, Director of Dealer Service and Warranty Operations, and Patrick Meissner, Director of Strategic Service Initiatives and Accessories, discuss how technicians and shop owners navigate the growing mix of old and new technologies. From training and parts availability to customer trust and predictive maintenance, they share insights into what it takes to deliver a seamless service experience—no matter the model year.

Send us a textEmail Lennie at lennielawson2020@gmail.com

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at trends across Agency MBS issuance. Plus, Robbie sits down with ICE's Dana Federspiel for a discussion on the key challenges servicers and subservicers are facing in a rapidly evolving industry, how servicers can achieve greater scalability and efficiency, and which regulatory issues may impact the sector heading into 2026. And we close by looking at what contributed to a positive labor market print this morning.Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. 

The NFL Trade Deadline has passed, and after the Lions dropped a game to the Vikings, are we at a crossroads with Detroit's season? Wolverines beat Purdue and the Spartans lost to Minnesota, but are both fan bases not feeling great about their teams? College hoops underway, World Series thoughts, some Prep Spotlight playoff updates, and a Tedertainment Tonight. All that and more, take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Rivals Taphouse & Grille, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, Shiawassee County Fair, Nichols Painting, SportsNet MI

Send us a textEp 684: Servicing the Handyman, A Leisurely Working Retiree, an erotic fiction excerpt from novella 4 in the Servicing the Work Men, My Filthy Hotwife Adventures. Laney and John have had their marital ups and downs, but ever since they started to indulge in the hotwife way of life, their bedroom life has been set on fire. Both loving the spicy adventures they are embarking on; they are open to new experiences. Marvin is a leisurely working retiree who has done many small handyman jobs for them around the house. Laney's had her hungry eyes on him with a smoldering burning blaze of want that has grown steadfast over time. She can only hope that John will agree and set up the framework for a hot rendezvous.When Marvin, the leisurely working retiree, arrives for his work for the day, Laney is enjoying a swim, in a bikini top only. Things escalate quickly when John sets the stage, but Laney is on her own for navigating her hook up with Marvin because John is eyeballs deep in work. That only fuels Laney's fire, and when she shows Marvin what needs to be worked on in their master bedroom closet, Laney takes what Marvin freely gives, which is both an orgasmic delight and learning experience for Laney. Maturity is sexy when it comes with so much experience that this silver fox blows Laney's peaks sky high. A few spicy and surprising adjuncts throw the fun into overdrive and Laney's world gets rocked like never before!Enjoy this excerpt from novella 4 in the Servicing the Work Men, My Filthy Hotwife Adventures!BOOKS!Ebook: https://books.ruanwillowauthor.com/servicingthehandymanGet the full novella in audiobook: https://books.ruanwillowauthor.com/servicingthehandymanaleisurelyworkingretireeaudiobookGet the full novel of all five novellas: https://books.ruanwillowauthor.com/servicingtheworkmenherfilthyhotwifeadventures Get the FULL NOVEL in audiobook: https://books.ruanwillowauthor.com/servicingtheworkmenherfilthyhotwifeadventuresaudiobookA Hotwife alternative lifestyle erotic romance fiction story, age gap with a dominant male. Get the rest of the fiction entertainment series from erotica author Ruan Willow.Plus, a bonus story Eat Me on My Birthday! Support the showExclusives https://www.buzzsprout.com/1599808/subscribeNewsletters https://subscribepage.io/ruanwillowhttps://linktr.ee/RuanWillow Affiliates Firm Tech 15% OFF with code ruan15 https://myfirmtech.com/ruanwillow BeeDee dating app https://beedee.app/?r=ohfuckyeahThe Fantasy Box DATE30 for $30 OFF 1st box https://thefantasybox.sjv.io/c/6250602/2141126/26423

In this episode of The Everything Electric Podcast, Robert Llewellyn speaks with Sajid Hasan, Chief Product Officer for BYD Australia and New Zealand, about BYD's meteoric global growth, breakthrough EV technology, and why Australia is one of the most important proving grounds for the future of electric mobility.   From BYD's LFP Blade Battery and DMO Super Hybrid platform to the rollout of 1-megawatt "flash chargers" capable of adding 400km in just five minutes, Sajid reveals the innovations driving the brand's incredible success — and how they're changing the automotive industry forever.   Robert also discovers how BYD has overtaken Tesla in EV sales in Australia, achieved millions of NEV deliveries worldwide, and is pioneering Vehicle-to-Grid (V2G) technology that can turn your EV into a mobile power plant for your home.   0:00:00 - Introduction 0:00:47 - Sajid Hassan, BYD Australia& New Zealand 0:01:03 - Australia as an EV "Test Bed" and Export Market 0:01:43 - BYD's History and Global Scale 0:03:46 - The Staggering Size of BYD 0:05:06 - Why Right-Hand Drive Australia is a Key Market 0:06:33 - Australia as a Competitive "Proving Ground" 0:08:00 - Australia's Imported Car Market & Rise of Chinese Brands 0:10:45 - The Everyday User Experience: BYD Owners Who Just Drive 0:11:48 - EV Adoption Rate and Achieving Price Parity in Australia 0:12:59 - Battery Longevity, Vehicle Warranty, and Consumer Fears 0:14:04 - Deep Dive: The Benefits of BYD's LFP Blade Battery 0:14:50 - BYD: A Battery Company That Started Making Cars 0:15:37 - BYD's Vertical Integration (Semiconductors, Mines, etc.) 0:16:03 - The Future: V2G & Cars as "Mobile Power Plants" 0:16:46 - BYD's V2G Trial with Origin Energy and Amber in Australia 0:18:41 - Legislative Barriers Slowing V2G Adoption 0:20:49 - BYD's EV Sales Leader Status in Australia (vs. Tesla) 0:21:56 - The BYD Shark Ute and the DMO Hybrid Platform 0:23:19 - Explaining the "Electric First" DMO Super Hybrid 0:27:43 - The BYD Shark's Initial Success in the Ute Segment 0:28:31 - Addressing the PHEV Charging Misconception 0:30:35 - Servicing and the Legacy Dealership Model 0:31:59 - BYD's Rapidly Expanding Dealership Network (80+ Sites) 0:32:26 - Lower Maintenance Costs of Electric Vehicles 0:34:36 - The Future of Charging: BYD's 1 Megawatt "Flash Chargers" 0:35:54 - 400km Range in 5 Minutes: Charger Speed Comparison 0:37:02 - How Large Battery Packs Support Megawatt Charging 0:38:07 - Which Future BYD Model Will Get Megawatt Charging? 0:38:46 - The Quiet Revolution on China's Streets 0:41:41 - The Challenge of Loud ICE Vehicles in Australia 0:43:25 - Shifting Consumer Attitude and the "First Drive" Effect 0:44:39 - The Synergy of Solar Panels and EVs in Australia 0:46:50 - Have EV Costs Reached a Plateau? Battery Chemistry's Role 0:49:03 - Levelling Up: More Tech, Range, and Luxury for the Same Price 0:50:32 - Final Thoughts: The Pace of Evolution in the Auto Industry   Why not come and join us at our next Everything Electric expo: https://everythingelectric.show   Check out our sister channel Everything Electric CARS: https://www.youtube.com/@fullychargedshow   Support our StopBurningStuff campaign: https://www.patreon.com/STOPBurningStuff   Become an Everything Electric Patreon: https://www.patreon.com/fullychargedshow   Buy the Fully Charged Guide to Electric Vehicles & Clean Energy : https://buff.ly/2GybGt0   Subscribe for episode alerts and the Everything Electric newsletter: https://fullycharged.show/zap-sign-up/   Visit: https://FullyCharged.Show   Find us on X: https://x.com/Everyth1ngElec Follow us on Instagram: https://instagram.com/officialeverythingelectric   To partner, exhibit or sponsor at our award-winning expos email: commercial@fullycharged.show   Everything Electric MELBOURNE - Melbourne Showgrounds 14th, 15th & 16th November 2025 Everything Electric SYDNEY - Sydney Olympic Park 6th, 7th & 8th March 2026 EE NORTH (Harrogate) - 8th & 9th May 2026 EE WEST (Cheltenham) - 12th & 13th June 2026 EE GREATER LONDON (Twickenham) - 11th & 12th Sept 2026   #fullychargedshow #everythingelectricshow #homeenergy #cleanenergy #battery #electriccars #electric-vehicles-uk #byd #tesla #australia

People Are Getting Hosed — VA Refi Receipts (Light) A concise, source-backed outline for your live show • Updated Oct 30, 2025 What's Been Happening (2023–2025) CFPB orders NewDay USA to pay $2.25M Federal consent order alleges misleading cost comparisons on cash‑out refis to servicemembers and veterans. Enforcement CFPB • Aug 29, 2024 Newsroom Consent Order (PDF) Case Docket Servicers' pressure on survivors Report details pressure tactics, inaccurate info, and delays for bereaved families with VA‑backed loans. MOAA • Jan 17, 2025 Open Source VA: Pause foreclosures on VA loans VA called on mortgage servicers to pause foreclosures through May 31, 2024 — pushback to curb harm. VA Newsroom • Nov 17, 2023 Open Source VA seeks extended moratorium Requested extending the veteran foreclosure moratorium through Dec 31, 2024. VA Newsroom • May 29, 2024 Open Source CFPB relief for veterans harmed by schemes $6M in relief tied to illegal lending schemes targeting veteran benefits — signals regulatory focus on veteran predation. CFPB • Jan 2, 2024 Open Source MSCI: High speeds in Ginnie Mae VA loans Investor-side analysis flagged extraordinary prepayment speeds — a market clue of aggressive refi activity. MSCI Blog • May 24, 2024 Open Source Ginnie Mae: recent prepayment activity Agency note: VA cohorts led a recent uptick; overall CPR still below pre‑pandemic — use for nuance. Ginnie Mae • Jun 6, 2024 Open Source CFPB Consumer Response (2024) Mortgage-related consumer complaints remain significant; use to frame trends. CFPB • Published May 1, 2025 Overview Full Report (PDF) BBB: high‑pressure & trigger‑lead complaints Consumer allegations referencing rapid-fire calls and “too-good-to-be-true” VA refi offers (use as allegations, not findings). BBB • Ongoing Example complaints Company profile VA IRRRL — official rules Legitimate streamline path; costs can be financed or traded for a higher rate — decode “no‑cost” claims. VA.gov • Updated 2025 VA.gov Benefits (alt) MarketWatch: VASP wind‑down risk As VASP winds down, tens of thousands of veterans may be closer to foreclosure — stakes and urgency. MarketWatch • May 2025 Open Source Reuters: Kickbacks & steering case CFPB accuses Rocket Homes & partner of illegal referral scheme — not VA‑specific, but shows current enforcement climate on steering. Reuters • Dec 23, 2024 Open Source Talking Points (use these on-air) Misleading “savings” claims: Show NewDay consent order. Translate how “no‑cost” often means “financed costs” or a higher rate. Refi churn math: Explain payment reset, added fees to balance, and erosion of equity; cite investor prepayment data. High‑pressure tactics: Trigger‑lead calls, mailers, and scripted urgency; emphasize opt‑out and comparison shopping. Servicing pain points: Survivors report pressure/delays; stress VA escalation paths and patience with documentation. Guardrails for vets: IRRRL mechanics, itemized fees, true break‑even, and avoiding back‑to‑back refis unless math wins. Regulatory posture: VA foreclosure pauses, VASP, and ongoing CFPB enforcement show the government is watching. Call to action: Offer to do a plain‑English, side‑by‑side quote; invite viewers to send statements for a fee audit. Links & CTAs (edit these) RateWatch 2.0 Add your RateWatch sign‑up URL Schedule Consultation Open scheduling link Apply Now Add your application URL SmartCredit (affiliate) SmartCredit signup Credit Karma (affiliate) Free credit score The Budget App (referral) Budget App link YouTube — The Rate Update Add your channel URL Website therateupdate.com Light version • All external links open in a new tab • Replace placeholder CTAs with your URLs • © 2025 The Rate Update

The 2025 Michigan vs MSU game is in the books with the Wolverines beating the Spartans in somewhat ugly fashion. What are the vibes around both teams after the win, good or bad for Michigan, and is it time for MSU to move on from their head coach? Speaking of head coaches, what is going on in college football with all the firings? High school football playoffs are here in Michigan, we give some thoughts on some matchups we're keeping an eye on, and get a few nuggets from some experts on what has them excited for the playoffs. All that and more, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Shiawassee County Fair, Nichols Painting, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, SportsNet MI

Send us a textMiguel Armaza sits down with Andrew Wang (CEO) and Linda Du (COO) of Valon, the AI-native infrastructure platform transforming mortgage servicing in America. They have quietly built a top-10 national mortgage servicer with over $100 million in revenue and more than one million loans under management, all while achieving profitability. Valon is now selling their battle-tested platform to the largest servicers in the country. They are backed by a16z, Westcap, Jefferies, and Alleycorp, amongst others.What makes their story remarkable is how they built it: $100 million in revenue sold entirely through founder-led sales, no marketing team, and a seven-year detour of becoming a servicer themselves just to prove their software works. Their journey from burning $4 million per month to 70% operating margins offers a masterclass in operational discipline and unconventional company building.Timestamped Overview00:00 Intro & Valon's Background04:14 Finding Trustworthy Growth Partners07:55 Navigating startup licensing challenges09:55 Overcoming Loan Licensing Hurdles15:53 Proving Value Through Integration18:22 Servicing philosophy shoot higher21:23 Valenos Success Without Marketing23:21 Building Two Businesses Two Strategies27:01 Monetizing operations with efficiency30:14 Debating AGI's future impact34:52 Modern CTO Strategies Culture Infrastructure38:19 LLMs redefining productivity models41:39 Mentorship sparks business collaboration44:02 Choosing New York over SF47:55 Ali's thoughtful guidance and clarityDo you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Seller finance compliance feels messy because multiple rule sets overlap and the gray areas are real. In this episode, I break down the essentials—Dodd-Frank Ability-to-Repay (ATR), TRID timelines, and the “Rules of 1, 3, and 5”—and show you how to keep deals simple, compliant, and sellable. Key takeaways Dodd-Frank ATR (the big one): If your borrower is an owner-occupant, you must make a good-faith determination they can repay (credit, income, debts, residual income). You want to underwrite anyway—this protects you and improves loan performance. TRID basics: Send a Loan Estimate (LE) ≥ 7 business days before closing and a Closing Disclosure (CD) ≥ 3 business days before closing. Disclosure reduces misunderstandings and defaults. Rules of 1 / 3 / 5 (why the myths persist): “1 per year”: Only applies to natural persons selling their own primary residence (not investment deals or entities). Not the “do anything you want” rule most think it is. “3 per year”: You can create up to 3 loans/year without involving an RMLO, but ATR still applies. Not Wild West. “5 per year”: You can do up to 5 loans/year without TRID, but if you're already doing ATR with an RMLO, you'll typically do TRID too—there's no reason not to. Why follow ATR + TRID even when not strictly required: Better underwriting → fewer defaults Easier to sell (and at higher prices) to institutional buyers Enforceability if a borrower contests in court Costs are typically passed to the borrower at closing Servicing tip: For owner-occupied loans, use a third-party servicer. Compliance on servicing is even stricter, and you can contractually pass the monthly fee to the borrower. Resources mentioned

On this episode from the archives, Dani Snyder talks leading design teams out of their silos As someone who started out as an industrial designer and who is now the Head of Design AI, Servicing and Communications at JPMorganChase, Dani Snyder deeply understands the design process and organizational design. This week Dani joins Tammy to talk about how to empower design teams. She shares strategies to help align design teams with organizational strategic goals and encourages designers to break out of their silos and remain curious about all aspects of the design process. Links: Dani SnyderSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Lions have been hit with the injury bug but that didn't hold them back vs the Bucs on MNF. A huge win heading into their Bye week, should they be the favorite in the NFC? Michigan gets a win over Washington and MSU drops a game to Indiana, should the Wolverines be on upset alert though with the big game in East Lansing this weekend? Tigers offseason, Pistons and Red Wings getting going, and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Nichols Painting, Success Group Mortgage & Servicing, Kori Shook & Associates, Rivals Taphouse & Grille, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

This past weekend may have been the absolute worst sports weekend in the history of Michigan and Detroit sports fandom. The Tigers were eliminated from the playoffs by the Mariners in a 15 inning classic, the Wolverines and Spartans both dropped games that have fans questioning their coaches, and the Lions lost to the Chiefs on SNF but not without a ton of drama. We talk about all that and plenty more on Episode 381, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nichols Painting, Rivals Taphouse & Grille, Nelson House Funeral Home, Shiawassee County Fair, Jacobs Insurance, Success Group Mortgage & Servicing, AZee Branding Solutions, Kori Shook & Associates, SportsNet MI

The Tigers stole a game in Seattle to get back to Detroit with the ALDS tied 1-1. Can they pull the upset and advance to the ALCS? Oakland University men's basketball coach Greg Kampe joins us to talk about his long career, coaching in today's NCAA climate, and plenty more about his Golden Grizzlies! Lions move to 4-1 with a win over the Bengals, Michigan beats Wisconsin while MSU drops one vs Nebraska, and other football storylines. Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, Nichols Painting, Shiawassee County Fair, Rivals Taphouse & Grille, Nelson House Funeral Home, SportsNet MI

Girl bosses? Check. Overbearing mothers? Check. Politicians getting into sexy shenanigans? You betcha! Emily returns to Congressional Cemetery to pay her respects to one of its most (in)famous interns, Mary Ann Hall. From humble beginnings, Mary Ann worked her way up to be one of the most successful business women in Washington D.C. Servicing politicians, socialites, and the elite just blocks away from the nation's capitol, Mary Ann was making bank. The only problem was, her business was illegal. Kelley tells the terrifyingly true story of Julia Buccola Petta, a young Italian immigrant who tragically died during child birth. But when her body was exhumed years later, what onlookers found was truly shocking. Beware of freshly poured patios and take control of your life (or don't) because we're wining about herstory! Join the Funerary Cult: https://www.patreon.com/winingaboutherstory Sponsor a Glass of Wine: https://buymeacoffee.com/wahpod Get Merch: https://wining-about-herstory.myspreadshop.com/   Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.