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In today's episode, I spill the juicy details of my wild jury duty experience as Juror #1! From getting called in for a criminal case, making friends with the court security guard, to the intense courtroom drama, I've got a lot to share! You'll learn about the crazy court schedule, the stressful selection process, and the shocking moments during the trial. Why did the defendant and victim still show up together? And what made this case so heart-wrenching?
October inflation surprised on the downside in just over half of the major countries that have reported numbers so far. There was no number for the US, due to the government shutdown, but, says Chris Holdsworth, Chief Investment Strategist, Investec Wealth & Investment International, other indicators point to a rate of around 3%, with some upside risk. Investec Focus Radio SA
The grandson of Al Capone’s barber and a former Benedictine Monk, Pastor Smarto has pastored several congregations and was a college professor for years; as well as working professionally with prisoners and ex-offenders for over three decades. He is known nationally as a keynote conference speaker, speaking about restorative justice, prisoner aftercare, and the educational methods most effective with prisoners. He was honored to speak at the Prisoner Reentry White House Conference in November of ‘07. Don’s research has led to meetings with judges and wardens in other countries including Australia, New Zealand, Netherlands, France, Belgium, England, Italy, Russia, Kenya, Canada, and Mexico. He was NGO Delegate to the United Nations Conference on the Treatment of Offenders in Milan, Italy in ‘85 and had meetings with President Ronald Reagan, Supreme Court Justice Warren Burger and Attorney General Edwin Meese. As a nationwide consultant, Don Smarto has played a key role in the development of ex-offender programs. He is the Chairman of prison ministry collaborations in Texas and Pennsylvania, and has been a consultant to the State of Florida Juvenile Justice System in the area of mentoring. a Quoted in the New York Times, Miami Herald, Chicago Tribune, L. A. Times, Philadelphia Inquirer, Orlando Sentinel, Dallas Morning News, Denver Post, and the Washington Post about gangs, school shootings, prison conditions, and prison reform, Don Smarto has appeared on hundreds of radio and television shows. His professional experiences have included: Juvenile and Adult Probation Officer, Assistant Superintendent of a Maximum Security Facility, Director of an Adolescent Offender Drug Treatment Program (featured nationally on NBC News), and Director of an Ex-Offender Transition Program (which included mentoring/counseling/education). Don trained probation officers for four years at Sangamon State University (Illinois), and taught criminal justice courses at Wheaton College and Trinity University (Illinois) for twelve years. He has authored 16 books. Three of which are about restorative justice that became college text books. Smarto has also authored national magazine articles and contributed to several reference works in psychology and sociology. As member of the American Correctional Association (ACA) for twenty-seven years, Don frequently presents conference workshops. He is a past member of the Fraternal Order of Police, and has received numerous awards. Don Smarto also ministered for years with the Billy Graham Evangelistic Association and served on Illinois Governor Edgar's Gang Task Force, Attorney General Ryan's Council on Child Abuse, and the DuPage County Board's Blue Ribbon Commission on Jail Overcrowding (author of the final report). As a leader, this man of God has been the President of three national organizations including the Institute of Prison Ministries, where he led a research team of sociologists studying programs affecting recidivism. He has visited over 1200 prisons in 12 countries and has ministered with Chuck Colson’s Prison Fellowship. Don Smarto has also hosted a daily Dallas radio show called Parenting Today's Youth with 29,000 listeners each day. For more information, go find some of his articles at youthdirect.org and check out his multiple books on Amazon.
0:00- Intro 1:00- AI in education 4:00- Eric's latest bodybuilding show 12:00- Objective measurements 14:00- Does young training influence specific development later in life? 26:00- Strategy for upcoming shows 30:00- Problems during prep 43:00- Tracking during prep 55:00- Specific changes for the next two shows 1:08:00- Training changes from last off season to this off season and prep 1:23:30- Where did Eric's progress really come from? 1:28:00- Where to find Eric
Ken and Curtis give their immediate reactions to the Patriots expanding their win streak to 8 wins after beating the Jets on Thursday and Ken shares all his pleasant surprises he's seen from the Patriots.
Fluent Fiction - Swedish: Autumn Surprises: A Heartfelt Picnic in Kungsträdgården Find the full episode transcript, vocabulary words, and more:fluentfiction.com/sv/episode/2025-11-15-23-34-02-sv Story Transcript:Sv: Kungsträdgården var täckt av höstens alla färger.En: Kungsträdgården was covered in all the colors of autumn.Sv: Träden var både kala och gröna, och löven låg som en färgsprakande matta över marken.En: The trees were both bare and green, and the leaves lay like a vibrant carpet over the ground.Sv: Det var en kylig novemberdag, men Linnea var fast besluten.En: It was a chilly November day, but Linnea was determined.Sv: Idag var det Oskars födelsedag, och hon hade planerat en överraskningspicknick.En: Today was Oskar's birthday, and she had planned a surprise picnic.Sv: Linnea hade alltid varit omtänksam och noggrann.En: Linnea had always been caring and meticulous.Sv: Hon älskade att göra sina vänner glada, särskilt Oskar.En: She loved making her friends happy, especially Oskar.Sv: De satt ofta och pratade under parkens stora ekar, och hon ville ge honom en dag att minnas.En: They often sat and talked under the park's large oaks, and she wanted to give him a day to remember.Sv: Men det fanns en sak Linnea inte talade om.En: But there was one thing Linnea did not talk about.Sv: Hon kände mer för Oskar än bara vänskap, men valde att fokusera på hans lycka.En: She felt more for Oskar than just friendship, but chose to focus on his happiness.Sv: Hon hade noggrant packat en korg med Oskars favoritsmörgåsar, kanelbullar och varm choklad.En: She had carefully packed a basket with Oskar's favorite sandwiches, cinnamon buns, and hot chocolate.Sv: Elin, deras gemensamma vän, hade också lovat att hjälpa till.En: Elin, their mutual friend, had also promised to help.Sv: Hon ställde fram allt under en av parkens stora kastanjer.En: She set everything up under one of the park's large chestnuts.Sv: Men himlen såg hotfull ut.En: But the sky looked menacing.Sv: Grå moln samlades långsamt, och vinden blev kallare.En: Gray clouds slowly gathered, and the wind grew colder.Sv: När Oskar och Elin kom blev han överraskad och glad.En: When Oskar and Elin arrived, he was surprised and pleased.Sv: "Det här är fantastiskt, Linnea!"En: "This is fantastic, Linnea!"Sv: utropade han och kramade henne.En: he exclaimed and hugged her.Sv: De satte sig på filten och började njuta av maten och värmen från chokladen.En: They sat on the blanket and began enjoying the food and the warmth from the chocolate.Sv: Men snart kände de de första regndropparna.En: But soon they felt the first raindrops.Sv: Linnea såg på Oskar och Elin.En: Linnea looked at Oskar and Elin.Sv: "Vad gör vi nu?"En: "What do we do now?"Sv: sa hon, och försökte dölja sin oro.En: she said, trying to hide her worry.Sv: Oskar log.En: Oskar smiled.Sv: "Låt oss gå till det där kaféet vid hörnet.En: "Let's go to that café around the corner.Sv: Det är mysigt där."En: It's cozy there."Sv: De samlade snabbt ihop filten och korgen.En: They quickly gathered up the blanket and the basket.Sv: Inne på kaféet var det varmt och inbjudande.En: Inside the café, it was warm and inviting.Sv: De satte sig vid ett litet bord nära fönstret, där regnet smattrade mot rutan.En: They sat at a small table near the window, where the rain pattered against the glass.Sv: Linnea kände värmen från koppen i sina händer och såg på Oskar.En: Linnea felt the warmth from the cup in her hands and looked at Oskar.Sv: Hon ville säga allt som låg henne nära hjärtat, men orden stannade innanför hennes läppar.En: She wanted to say everything that was close to her heart, but the words stayed inside her lips.Sv: Istället log hon och sa, "Jag är glad att vi kunde göra något speciellt idag."En: Instead, she smiled and said, "I'm glad we could do something special today."Sv: Oskar nickade och sken upp.En: Oskar nodded and beamed.Sv: "Det var den bästa överraskningen någonsin.En: "It was the best surprise ever.Sv: Tack, Linnea."En: Thank you, Linnea."Sv: De samtalade och skrattade medan de drack sin choklad.En: They chatted and laughed while drinking their chocolate.Sv: Linnea insåg att hon inte behövde skynda sig att avslöja sina känslor.En: Linnea realized she didn't need to rush to reveal her feelings.Sv: Det skulle komma en tid för det.En: There would be a time for that.Sv: Just nu värdesatte hon vänskapen och de stunder de delade.En: Right now, she valued the friendship and the moments they shared.Sv: När regnet smattrade på som bäst visste Linnea att även om känslorna fanns kvar, så var detta en dag att minnas.En: As the rain pattered down, Linnea knew that even though the feelings remained, this was a day to remember.Sv: Vänskapen hade blivit starkare, och hon hade funnit modet att inte skynda, både med sitt hjärta och med vädrets nycker.En: The friendship had become stronger, and she had found the courage not to rush, both with her heart and with the whims of the weather.Sv: Tids nog skulle hon våga säga mer, men nu var det nog att bara få vara nära.En: In time, she would dare to say more, but for now, it was enough just to be near. Vocabulary Words:bare: kalavibrant: färgsprakandechilly: kyligdetermined: fast beslutenmeticulous: noggrannchestnuts: kastanjermenacing: hotfullgathered: samladesraindrops: regndropparnainviting: inbjudandepattered: smattradereveal: avslöjawhims: nyckerbasket: korghugged: kramadeblanket: filtenfelt: kändesmiled: logexclaimed: utropadecozy: mysigttable: bordwindow: fönstretworry: orofriendship: vänskapcourage: modetrush: skyndacarefully: noggrantfavorite: favoritpleasant: trevligtheart: hjärtat
The Snug Crew is back for their weekly post-show breakdown of WWE Friday Night SmackDown, and this week's stop in Albany, New York delivered big time. Fans were buzzing as LA Knight's surprise opponent for the John Cena Tournament was finally revealed — and trust us, the mystery challenger was absolutely worth the wait.But that wasn't all. The U.S. Open Challenge returned once again, bringing chaos and excitement to the blue brand. Things took a sharp turn when Edgar and Bludd locked horns in a fiery debate over the World Heavyweight Title vs. the WWE Undisputed Title — diving deep into the lineage, prestige, and differences between the two championships.With the road to War Games heating up, the crew covers every twist, turn, and surprise in an intense, can't-miss episode of Snug Wrestling.
Royal Caribbean has released all new sailings for 2027-2028, including Icon of the Seas sailing from Texas. Matt shares the big surprises and what stands out about the deployment so far.Share with me your thoughts, questions and comments via...Twitter: @therclblogFacebook: /royalcaribbeanblogYouTube: royalcaribbeanblogEmail: matt@royalcaribbeanblog.comLeave a voicemail: (408) 6ROYAL6You can subscribe to the Royal Caribbean Blog Podcast via iTunes, Google Play, Stitcher or RSS.
In this podcast, Al Kluis and Bob Linneman and Nick Repke discuss the recent USDA crop report, focusing on corn and soybean yield estimates, market reactions, and global supply and demand dynamics. Learn more about your ad choices. Visit podcastchoices.com/adchoices
This week on Revinyl, Craig and Shawn keep the momentum rolling with a blast from the past and another round of modern favorites from their ongoing 21st-century album countdown.
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Your questions power this week's Inbox Edition! Jason dusts off a GamesMaster golden joystick, Suzi dives into how MotoGP tech has changed in 30 years, and we tackle whether retro is now more fun than new gadgets. Plus - Jason and Suzi reveal the actual best-selling Apple products of all time, complete with real sales figures. Huge thanks to CeX for supporting the Podcast. Want to bag yourself a tech bargain or trade in your old gear? Head over to www.webuy.comTo get in touch with the Gadget Show Podcast, email: contact@northone.tvA North One ProductionProduced by Ewan Keil & Tom ClintSocial: @TheGadgetShowJoin our Gadget Show Patreon page to get exclusive content, listen ad-free and access to watch recordings in person!Membership Club: patreon.com/thegadgetshow#TheGadgetShow #CeX Hosted on Acast. See acast.com/privacy for more information.
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Patrick spotlights issues from US-Israel relations, beginning with vintage Nixon audio, to the anguish of Nigerian Christians and the struggle for truth amid religious confusion. Listeners bring honest questions about doctrine, personal pain, and family battles; Patrick responds with stories, book suggestions, candid advice, and moments both sharp and compassionate. Surprises, raw emotion, and faith collide as Patrick talks history, prayer, and everyday dilemmas. Audio: Nixon - American interests vs. Israeli interests – https://x.com/nixonfoundation/status/1935396379607838946?s=46&t=m_l2itwnFvka2DG8_72nHQ (19:00) Manuel - Thank you for pointing out the genocide in Nigeria. My priest is Nigerian. (02:21) Melanie - I was raised Pentecostal. Did you say that Pentecostals don't believe in the Trinity? (05:28) Mike - Were Mary and Joseph Palestinian? (10:13) Marlene - How can I get my family who attend SSPX to come into the Diocese? (14:34) Marie - I agree when it comes to homosexual relationships. Is this the same when it comes to other sinful situations? I want to demonstrate chastity to my kids, but my dad is not a good example. (18:24) Bill – You are a blessing to have on the radio (35:18) Bradley - Did the Vatican create a Muslim prayer room with prayer rugs in it? (40:02)
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Transform Your Life and Relationships This Black Friday! Get 14 Days Free Inside The Personal Development School's All-Access Pass—65+ transformative courses, live webinars, and a thriving global community: https://attachment.personaldevelopmentschool.com/black-friday?utm_source=podcast&utm_campaign=black-friday&utm_medium=organic&utm_content=pod-11-10-25&el=podcast Moving in with a dismissive avoidant partner can be both exciting and surprisingly challenging. In this powerful episode, Thais Gibson and co-host Mike reveal the five biggest (and most unexpected) things that happen when you start sharing a home with someone who struggles with emotional closeness. From the retreat for space that often follows big steps forward, to fears of losing autonomy or conflict avoidance, this conversation dives deep into how dismissive avoidants process intimacy—and how you can build understanding, connection, and balance instead of frustration. Through personal stories and professional insight, Thais and Mike share practical strategies for communication, conflict resolution, and emotional safety—so you can navigate cohabitation with compassion and clarity. You'll Learn: The #1 reason dismissive avoidants retreat into their own space after moving in How to discuss space, boundaries, and routines before issues arise Why dismissive avoidants equate comfort with love (and how that affects dating effort) How to avoid the “roommate trap” and keep the spark alive The importance of acceptance and autonomy for both partners Why DAs often struggle with conflict, change, and vulnerability How to communicate needs without triggering shame or withdrawal Episode Breakdown: 00:00 – Intro & Why Moving In Can Trigger the Power Struggle Stage 03:16 – 1 — DAs Retreat to Their Own Space to Create Emotional Distance 07:16 – How to Navigate Space & Routine Discussions 09:16 – The Role of Acceptance & Allowing Autonomy 13:30 – 2 — How Cleanliness, Habits, & Personality Types Impact Living Together 17:10 – Creating Shared Routines and Avoiding Misunderstandings 21:31 – PDS 7-Day Free Trial & Membership Overview 22:36 – 3 — DAs Equate Comfort With Love (and Why It Leads to Complacency) 25:41 – Why You Should Always “Date” Your Partner 31:11 – 4 — Why DAs Feel Trapped or Pull Back Emotionally 35:28 – Communication Scripts for “Recharge Time” & Emotional Safety 43:29 – 5 — When Conflict Arises: How to Handle It Without Triggering Shutdown 47:18 – The Long-Term Benefits of Secure Co-Living 51:10 – Bonus: Acts of Service, Self-Consideration & Learning True Partnership 56:14 – Rumi's Quote on Growth & Healing in Relationships 59:09 – Final Reflections and Listener Tips Key Takeaway: When you understand a dismissive avoidant's wiring—fears of loss, shame, and autonomy—you can transform potential friction into deeper connection. Secure relationships aren't about avoiding conflict—they're about communicating through it.
In today's episode CBS Sports Lead Draft Analyst Ryan Wilson and Former NFL GM Ran Carthon grade every 1st Round pick from the 2025 NFL Draft as we enter Week 11. (00:00) Intro (1:19) Cam Ward - Titans (3:59) Travis Hunter - Jaguars (6:45) Abdul Carter - Giants (8:55) Will Campbell - Patriots (12:19) Mason Graham - Browns (16:27) Ashton Jeanty - Raiders (18:55) Armand Membou - Jets (22:07) Tetairoa McMillan - Panthers (23:31) Kelvin Banks Jr - Saints (25:51) Colston Loveland - Bears (29:03) Mykel Williams - 49ers (31:18) Tyler Booker - Cowboys (32:41) Kenneth Grant - Dolphins (37:01) Tyler Warren - Colts (39:38) Jalon Walker - Falcons (42:14) Walter Nolen - Cardinals (43:33) Shemar Stewart - Bengals (47:17) Grey Zabel - Seahawks (48:55) Emeka Egbuka - Buccaneers (49:10) Jahdae Barron - Broncos (50:54) Derrick Harmon - Steelers (51:45) Omarion Hampton - Chargers (53:26) Matthew Golden - Packers (56:00) Donovan Jackson - Vikings (56:49) Jaxson Dart - Giants (59:34) James Pearce Jr - Falcons (1:00:34) Malaki Starks - Ravens (1:04:44) Tyleik Williams - Lions (1:02:46) Josh Conerly Jr - Commanders (1:04:28) Maxwell Hairston - Bills (1:05:54) Jihaad Campbell - Eagles (1:07:05) Josh Simmons - Chiefs (1:08:37) Re-Draft Questions Watch With the First Pick on the NFL on CBS YouTube channel: https://www.youtube.com/@NFLonCBS 'With the First Pick' is available for free on the Audacy app as well as on Apple Podcasts, Spotify, Stitcher, Google Podcasts, Castbox and wherever else you listen to podcasts. You can listen to With the First Pick on your smart speakers! Simply say "Alexa, play the latest episode of the With the First Pick podcast" or "Hey Google, play the latest episode of the With the First Pick podcast." Follow the With the First Pick team on X: @nfldraftcbs, @ryanwilsonCBS, @E_DeBerardinis, @ryan__stryker Follow With the First Pick on TikTok & Instagram: @nfldraftcbs Produced by: Ryan Stryker For more NFL Draft coverage from CBS Sports, visit https://www.cbssports.com/nfl/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcast To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Electricity powers nearly everything in oil and gas, from pumps and motors, to compressors and digital systems. But while production engineers obsess over volumes and temperatures, the quality of the electricity driving their systems is often overlooked. Most teams only discover power issues after equipment fails, leading to unplanned downtime and costly repairs. Unfortunately, traditional power quality meters and relay monitors don't catch the early warning signs. They lack resolution, require manual data pulls, and don't provide actionable insights. Worse still, the frontline technicians tasked with using these tools rarely have time to analyze the data. As the industry electrifies, and hyperscalers start co-locating AI data centers with natural gas fields, the demand for clean, reliable power is rising fast, and the risks of ignoring it are getting more expensive by the day. In this episode, I speak with Denis Kouroussis why "ghost electrical problems" aren't ghosts at all, but just data you haven't seen yet, and how his background in chip design and solid-state power is shaping the future of uptime. His company, Volta Insite, offers a different path forward. This plug-and-play system captures continuous waveform-level data and sends it to the cloud, where intelligent analytics flag problems before assets fail. It's already saving operators time, money, and headaches by pinpointing power sags, identifying failing contactors, and reducing arc flash risks.
In this episode of Off the Screen, hosts Jordon, Alejandro, and Michael dive into the first month of the NBA season — from shocking standings to underperforming teams and everything in between. They open with a lighthearted chat about aging, gray hairs, and streaming habits before shifting gears into basketball. The crew debates the state of the Miami Heat's new fast-paced offense, the Celtics' rough start, and early-season surprises across the league.The episode's centerpiece focuses on the Dallas Mavericks' front-office shakeup after GM Nico Harrison's controversial firing. The hosts dissect how the move affects Luka Doncic's legacy, the team's offensive struggles, and whether Kyrie Irving's eventual return could revive Dallas's hopes. They also speculate potential trade destinations for stars like Anthony Davis and Kyrie — weighing possibilities from Memphis to OKC and Toronto.Blending humor, banter, and genuine basketball insight, this episode captures the group's chemistry as they balance NBA talk with off-topic tangents about streaming services, movie classics, and generational aging woes.⏱️ Timestamps:00:00 – 03:00: Early NBA impressions & favorite matchups03:00 – 06:00: Streaming wars and cable frustration06:00 – 09:00: “Insecure” and TV talk09:00 – 13:00: Movie confessions & basketball film debate13:00 – 16:00: Nico Harrison firing and Mavs chaos16:00 – 20:00: Kyrie's injury, Luka's leadership, and Dallas rebuild talk20:00 – 24:00: Trade hypotheticals (Grizzlies, OKC, Warriors)24:00 – 27:00: Which teams could take a swing for AD or Kyrie?27:00 – End: Closing banter and thoughts on NBA parity#OffTheScreenPod #NBAPodcast #BasketballTalk #NBADrama #SportsPodcast #NBATakes #DallasMavs #KyrieIrving #AnthonyDavis #LukaDoncic #NBA2025 #BasketballFans #HoopsCulture #StreamingWars #PodcastLife #SportsTalk
COLD OPEN QUESTION OF THE WEEK: Now that the Dallas Mavericks have fired Nico Harrison, who is the Nico Harrison of pro wrestling? David and Kaz kick off the show discussing which wrestlers can be considered in the GOAT conversation along with John Cena (3:08). Then they recap the following from ‘WWE Raw': Men's and Women's War Games matches announced for Survivor Series (14:18) Je'Von Evans's chances of beating Gunther on 'Raw' next week (0:00) Potential surprises in the John Cena tournament (22:09) WWE removing WestSide Gunn (49:38) Nikki Bella turns on Stephanie Vaquer (1:04:30) Women's PWI 250 top 10 (1:09:10) Be sure to check out our videos on BlueSky, TikTok, Instagram Threads, and X. Hosts: David Shoemaker, Kazeem Famuyide and Brian H. Waters Producer: Brian H. Waters Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Texas Longhorns men's and women's basketball teams both tipped off the 2025-26 seasons over the weekend, with positive showings from both squads. While the men split the weekend 1-1, Texas led after one half against a Duke team that will likely play for a national championship. The Blue Devils got hot late and put away Texas, but the Longhorns reobunded quickly and got a big ranked win.The ladies picked up right where they left off last year, with three dominant wins to open the season and put the world on notice. Can Texas really compete for a spot in the national championship game and avenge last season's struggles?
www.EricaGoode.com In this episode, Erica discusses the common issue of unexpected tax bills and provides strategies on how to avoid them. She explains why tax surprises happen to solo consultants, the concept of Safe Harbor in tax payments, and the importance of setting aside an appropriate percentage of profits for taxes. 00:51 Dealing with Surprise Tax Bills 02:36 Understanding Safe Harbor 04:21 Setting Aside Money for Taxes 05:52 Managing Tax Payments 06:56 Proactive Tax Planning ____________________ Connect with Erica | LinkedIn | Website | Newsletter
Reacting to the latest AP poll! The biggest lessons learned from our favorite cbb teams after week 1! The biggest surprises from week 1 of college basketball! The Sleepers Podcast is now available daily with new episodes every Monday-Friday! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
BLeav Host Robert Land asks Rockets Analyst & Upside Swings Host Cooper Klein about Durant early Rockets surprises, if Rockets turnovers are big problem, how best to use Reed Sheppard & why Tari Eason's 3 is improving. Plus, the rookie watch and Tari's under the radar personal story. Today's Show is Presented by FanDuel! (:29) Was Spurs game outlier? (2:35) Turnovers: Big Problem? (4:59) Time to ditch Reed Sheppard Zone D? (7:12) Best way to use Sheppard Offensively? (9:29) Early Durant Surprises? (13:51) Who's early Rookie of Year Favorite? Flagg still Favorite? (17:25) Best Rockets Offensive Play? (20:26) Tari Eason's New Weapon? (23:39) Tari Personal Tragedy (27:01) Moses Malone was Steven Adams? (31:20) Final Rockets Takes? (33:16) Early UH Coogs Thought? Subscribe on Youtube, Spotify, Apple & iHeart X @HSTPodcast #reedsheppard #kevindurant #tarieason #rockets Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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We've all heard the horror stories: buyers showing up to closing short on cash, or sellers shocked at their proceeds. Yikes. The truth? These moments don't have to happen — not if you're consistently using buyer cost sheets & seller net sheets. In this episode, we're breaking down exactly how we use these powerful tools with our clients to build trust, confidence, and calm. And here's the good news: it's not complicated, it's just math + mindset. We're talking through every single line item on a net sheet, what to include, when to deliver it, and how to tailor it to each unique buyer or seller situation. Whether you're a seasoned agent or brand new to real estate, this episode will help you become more confident when talking about money — and ultimately give your clients the clarity they deserve. Here's what we cover in this episode: How to create a seller net sheet that builds trust Using cost sheets with buyers to avoid surprise expenses What to do when a seller doesn't understand closing costs Smart strategies for buyer offers based on actual numbers Handling contingent clients with dual net/cost sheets Becoming fluent and confident with money conversations Key Quotes & Takeaways "If your client is surprised at closing, you haven't done your job." — Alissa "We use net sheets to keep our sellers grounded — and focused on the bottom line." — Katy "Every offer gets a net sheet. That's how we avoid emotional chaos." — Alissa "A buyer cost sheet shows them what's real — not just what they 'hope' it costs." — Katy "Don't avoid money conversations. That's where your value really shines." — Alissa Products, People & Previous Episodes Mentioned: Episode 232: Buyer Brokerage: How To Episode 295: Why Buyer Agents Struggle to Get Paid Agent Systems 101 Email Templates 101 Want to toast someone on the show? Send us a voice or video message with your name, who you're toasting, and why! Email it to team@hustlehumblypodcast.com. Leave us a review at ratethispodcast.com/hustlehumbly Get your FREE Database Template Email Templates 101: emailtemplates101.com Build Your Own Business 101: hustlehumblypodcast.com/byob Agent Systems 101: agentsystems101.com All Resources: hustlehumblypodcast.com Submit your topic ideas and toasts to team@hustlehumblypodcast.com Music: Straight A's by Connor Price The Good Life by Summer Kennedy
Wayne serenaded his wife Coleen backstage at a McFly gig!Cathal stepped in for Maria on this week's As Seen On Your Screen.
The Vision Cast team throws a lively on-air birthday party for their beloved co-host and producer, Stacey. The episode is a dual celebration, also paying a touching tribute to the late Charlene, co-host Donald's mother, on her birthday. The cast, including Brittany, JC, Phil, Preston, and Salvis, share heartfelt and humorous birthday wishes, culminating in a special surprise: a professionally produced, custom birthday anthem dedicated to Stacey.Amid the celebrations, the episode is filled with the team's signature playful banter, much of it directed at the main host, George. As punishment for his on-air antics, Stacey unleashes a series of hilarious joke songs, including the fan-favorite "My Boyfriend Phil" and the comically titled "Dime Dick Doodles," leaving the crew in stitches. The musical theme continues as Stacey and Phil debut a polished, remastered version of their original song, "Unapologetically Bisexual," created with AI music software. The hosts also dive into discussions about future shows, planning a triple-header episode to celebrate George's birthday, Stacey's anniversary, and Thanksgiving, as well as a double birthday bash for Preston and Brittany in December.
Dave LaGreca takes over Busted Open After Dark reacting to a Smackdown Full of Surprises giving his thoughts on the bracket reveal of John Cena's Tournament, Jade's first promo as Champion and Chelsea Green winning the Women's United States Title. To visit our partners at Chewy, click here. The Master's Class is now available on its own podcast feed! SUBSCRIBE NOW to hear over 50 episodes of Dave, Bully, Mark, and Tommy taking you behind the scenes like only they can, plus BRAND NEW episodes every week. Subscribe to SiriusXM Podcasts+ to listen to new episodes of Busted Open ad-free and get exclusive access to bonus episodes. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
The Hidden Lightness with Jimmy Hinton – Rather than trading barbs, Greene did something few expected—she listened. She spoke candidly about her frustration with both political parties and voiced a sentiment that resonates deeply with Americans across the spectrum: the system is broken because it rewards division. The exchange left even the hosts of The View momentarily speechless. They didn't mock or...
Welcome to the Sports Stove Football Show's special Mid-Season Mock Draft episode! Host Vince Stover breaks down his most updated first-round mock draft as we hit the midway point of the NFL season. Who's rising up the big board? Which teams are most likely to trade down, reach for a quarterback, or snag a playmaker? Get detailed analysis on player fits, team needs, and potential risers like Jeremiyah Love, Jordyn Tyson, Fernando Mendoza, and more. Plus, find out which teams should consider trading their top pick and why this year's quarterback class isn't as loaded as expected. Hit subscribe for all your NFL draft coverage, college football takes, and more exclusive content. Don't forget to check out our sponsor, Righteous Felon Jerky, and use code STOVE15 for 15% off your order! Who does your team land in this mock draft? Drop your thoughts in the comments!
Adam, Phil, and Nicholas chat about all the big wrestling talking points this week...CM Punk is world CHAMP!How would we change WWE/AEW?Dumb wrestler questions!Dirty Dom's rise to greatness!John Cena last match surprises?!We answer all these questions and more, and there's a bloody good quiz all about LA Knight!Follow us on Twitter:@AdamWilbourn@PhilMyChambers@ItsAdamNicholas@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe Hosted on Acast. See acast.com/privacy for more information.
Well it was so nice, we decided to do it twice! Max and Beeks are back again. This episode we talk about what teams and players have surprised us in this early part of this 25/26 season. Get up and dive in.
Au sommaire du Café des Sports – ven. 7 nov. 2025 - RFI • France 24 • YouTube • Facebook Live. 1) C1 à mi-parcours ; 2) Kanté en Bleu, l'énième retour ; 3) CAN féminine 2026 ; 4) Cartons Vidéo. 1) C1 à mi-parcours Surprises, cadors, arbitrage sous tension, nouvelle formule (deuxième édition) : ça tient la route ? Focus buteurs : l'exemple Victor Osimhen, meilleur buteur ! 2) Kanté en Bleu, l'énième retour Expérience, sens tactique… Malgré les années, pourquoi N'Golo Kanté reste-t-il indispensable aux yeux de Didier Deschamps ? 3) CAN féminine 2026 La CAF porte le nombre d'équipes participantes de 12 à 16. Quatre équipes censées être éliminées sont donc rappelées. Au mépris du règlement ! 4) Cartons Vidéo Vos coups de cœur et coups de griffes de la semaine en vidéo, ainsi que ceux de nos consultants ! Présentation : Annie Gasnier | Consultants : Xavier Barret, Rémy Ngono, Franck Simon | Chef d'édition : David Fintzel | Technique/Réalisation : Laurent Salerno | Réalisation vidéo : Yann Bourdelas et Robin Cussenot.
Is this the start of a bear market? The signs were absolutely there. What happens if $NVDA can't sell in China? What's wrong with $PSIX? What's a good risk/reward stock? It's all in this episode - a solid fundamental and technical breakdown of stocks and the overall market. Here are the links to all the sales: TRENDSPIDER - BLACK FRIDAY SALE - UP TO 70% OFF - up to 52 training sessions INCLUDED
Au sommaire du Café des Sports – ven. 7 nov. 2025 - RFI • France 24 • YouTube • Facebook Live. 1) C1 à mi-parcours ; 2) Kanté en Bleu, l'énième retour ; 3) CAN féminine 2026 ; 4) Cartons Vidéo. 1) C1 à mi-parcours Surprises, cadors, arbitrage sous tension, nouvelle formule (deuxième édition) : ça tient la route ? Focus buteurs : l'exemple Victor Osimhen, meilleur buteur ! 2) Kanté en Bleu, l'énième retour Expérience, sens tactique… Malgré les années, pourquoi N'Golo Kanté reste-t-il indispensable aux yeux de Didier Deschamps ? 3) CAN féminine 2026 La CAF porte le nombre d'équipes participantes de 12 à 16. Quatre équipes censées être éliminées sont donc rappelées. Au mépris du règlement ! 4) Cartons Vidéo Vos coups de cœur et coups de griffes de la semaine en vidéo, ainsi que ceux de nos consultants ! Présentation : Annie Gasnier | Consultants : Xavier Barret, Rémy Ngono, Franck Simon | Chef d'édition : David Fintzel | Technique/Réalisation : Laurent Salerno | Réalisation vidéo : Yann Bourdelas et Robin Cussenot.
On today's show we are talking about negotiating with a lender. We have a loan application in process that has taken much longer to finalize than promised. It often happens that a project has complexity associated with it. The lender puts the data room into underwriting and what comes out the other end often is surprising. Surprises at this stage are usually not good surprises. The terms at closing can differ significantly from the terms offered in the signed term sheet. This is where it is important to ask questions. Why did you reduce the loan amount? Why did you increase the interest rate? Why did you increase the loan interest reserve to such a high level? It's through this process that you can gain an understanding of how the lender is looking at the project. We have a file in front of a lender right now that experienced several misunderstandings. -----------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1) iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613) Website: [www.victorjm.com](http://www.victorjm.com) LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce) YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734) Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso) Email: [podcast@victorjm.com](mailto:podcast@victorjm.com) **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com) Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)
Jenn Tully joins Matt Sidhom for the last new music mix of 2025! They trace November's most interesting new releases and rare finds, from soulful love songs to rediscovered Springsteen, with detours through genre-bending pop and hopeful rock. Surprises, callbacks, and a few future anthems round out the mix.• Why St. Paul and the Broken Bones still hit with tender, timeless soul• The Neighbourhood's DIY textures and Haim's thoughtful George Michael nod• Big Wild's airy lift and why minimal lyrics can still feel huge• Balu Brigada's bright groove carrying conflict fatigue• The Tuk Smith comeback and classic hooks done right• Foo Fighters balancing grief, grit and forward motion• Noga Erez's shapeshifting production and pointed perspectives• Kacey Musgraves' elegant devotion without clichés• Cheap Trick's new spark and modern parallelsSponsor: Early Bird Morning Cocktail with promo code SUPERMIX10https://music.apple.com/us/playlist/sam-new-music-november-2025/pl.u-E4p3sVMmxr1. Fall Moon - St Paul & The Broken Bones2. Private - The Neighbourhood3. Gone - HAIM4. Sideways - Balu Brigada5. Troubled Paradise - Tuk Smith & The Restless Hearts6. Stardust - Wild Child7. Gun in Every Home - Bruce Springsteen8. Telephone Busy - 5 Seconds of Summer9. Asking for a Friend - Foo Fighters10. Penny Lame - Noga Erez11. If The World Burns Down - Kacey Musgraves12. Twelve Gates - Cheap Trick Support the showVisit us at https://www.superawesomemix.com to learn more about our app, our merchandise, our cards, and more!
On the latest episode of The Eurofile, Max and Donatienne discuss the recent Dutch elections, where centrist-liberal party, D66, narrowly secured victory over the far-right Party for Freedom, while EU "big wig," Frans Timmermans, and his GreenLeft-Labor ticket suffered a disappointing defeat. Then, they turn to a conversation with Zsolt Darvas, Senior Fellow at Bruegel, to discuss whether the EU's long-term budget, also known as the Multiannual Financial Framework, is fit for purpose.
The crew is back reviewing what has happened in the NFL from Week 5 to Week 10. This time, we incorporate quotes from The Office to draw parallels. Surprises, MVPs, Disappointments... we have it all
Yarbs and Will are back and today they open with the ACC's “Halloween Massacre,” Dabo's ref-blasting and why officiating needs accountability just like coaches and players. Then it's CFP rankings hysteria vs. reality, an Oregon gut-check, and a detour into band lore—from LSU's 66-year-old tuba rookie to Ohio State's family “dot the i” moment.The guys rip into the ESPN vs. YouTube TV carriage fight and the streaming sprawl that made “cutting the cord” a joke, hit NASCAR with Denny Hamlin's heartbreak, and serve up Get Off My Lawn: pharma-commercial dance numbers, and why Dallas is absolutely not “America's Team.” They also rapid-fire the week's oddities (Tom Brady's cloned dog), Tuberville's tone-deaf comments, and their 3-on-3 of most overrated movies (prepare yourself: The Dark Knight, Titanic, Pulp Fiction, The Godfather, Citizen Kane catch strays).Finally, they celebrate the Panthers' stunner over Green Bay, size up Saints-week stakes, debate Bills-Chiefs regular season vs. playoff truth, and wonder if Kyler's time in Arizona is over with Jacoby Brissett thriving. Chaos, jokes, and strong takes—exactly how Breaking Sports likes it.
Ohio State received the No. 1 ranking as expected in the initial College Football Playoff rankings, which were released Tuesday night. Were there any surprises in the top-25? Also, is the Buckeyes' offensive line a bit banged up heading into the stretch run of the season? Head coach Ryan Day addressed that and more on Tuesday, and on today's show Dave Biddle and Patrick Murphy will give their takeaways from the press conference and what it means for OSU. That and more is coming your way on the Wednesday 5ish. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
From engagements to birthdays, we're talking about ways to create fun surprises for friends and family at Disney World. We also tackle questions about re-rideable vs. one-and-done rides.* * * * * *WAYS FOR YOUR FAMILY TO SAVE MONEY:☞ DVC Rental Store Check out the deals from our amazing partner, DVC Rental Store, to rent DVC points for your next trip!☞ DVC Resale Market! Consider becoming a real life DVC member. ☞ Discounted Disney World & Universal tickets! Yes it's legit. Save big bucks on park tix from our trusted partner. Up to 12% off theme park tickets. 10% off special event tickets (Mickey's Not So Scary and Very Merry Christmas Party). Or if you go to that other place, Uni-whatever.* * * * * *We hope our podcast hypes you up for your next trip.Brought to you by TJ, Matt and Landon...and sometimes Ben.Thanks so much for listening!We'll see you on Instagram: @disney.world.is.awesomeA Walt Disney World Podcast for Disney fans. Talking all things Magic Kingdom, Hollywood Studios, Epcot and Animal Kingdom.
This week on The Cigar Authority, we're talking about New Cigar Shop Owners with Nick Ambeliotis! Nick is a highly successful entrepreneur that just opened his own cigar shop in Pittsburgh & creator of Mediterra Cigars! We ask Nick what some of the challenges he's faced so far while smoking Mediterra! Join Mr. Jonathan, David Garofalo and Ed Sullivan as we light up cigars and talk about them. The Cigar Authority is a member of the United Podcast Network and is recorded live in front of a studio audience at Studio 21 Podcast Cafe upstairs at Two Guys Smoke Shop in Salem, NH.
Hr 2 - The biggest disappointments and surprises of the Titans season so farSee omnystudio.com/listener for privacy information.
Blue Wave Warning? What East Coast Wins Signal for the GOP Day 36: Government Shutdown Reaches Longest in History Utah Senate Democrats Push for SNAP Support from State Rainy Day Fund Air Travel Warning: Could SLC Airport Face Travel Chaos? Why Utahns are Pumping the Brakes on Big Buys - Including Housing SLCO Daycare Closures: Parents Speak Out SCOTUS & Tariffs: Has President Trump gone too far?
Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Tinder horror stories take center stage on The Jubal Show! From dates in SpongeBob pajamas to accidental cousin matches and pro athlete/drug dealer mix-ups, our listeners share their most awkward, hilarious, and jaw-dropping dating experiences. If you’ve ever wondered how Tinder can go hilariously wrong, this episode is a must-listen. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.
This week on The Cigar Authority, we're talking about New Cigar Shop Owners with Nick Ambeliotis! Nick is a highly successful entrepreneur that just opened his own cigar shop in Pittsburgh & creator of Mediterra Cigars! We ask Nick what some of the challenges he's faced so far while smoking Mediterra! Join Mr. Jonathan, David Garofalo and Ed Sullivan as we light up cigars and talk about them. The Cigar Authority is a member of the United Podcast Network and is recorded live in front of a studio audience at Studio 21 Podcast Cafe upstairs at Two Guys Smoke Shop in Salem, NH.