Podcasts about Transaction

Sunday 28th-Graham Bruno- From transaction to transformation

Dear Listeners,Please reference RLR 191 where we discuss:FATHER, FORGIVE THEM - JESUS BELIEVED IN FREEDOM OF CONSCIENCE - THE REAL MEANING OF PEACE - PHYSICAL BODY TRANSACTIONGod bless you for your valuable support. 

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How can AI drive real impact in your marketing and sales teams beyond just ROI?In this episode of The Hard Corps Marketing Show, I sat down with Craig Rosenberg, a B2B marketing thought leader and Chief Platform Officer at Scale Venture Partners. Craig brings his deep experience in go-to-market strategy and AI transformation, sharing how companies can truly leverage artificial intelligence to increase productivity, empower teams, and prepare for the next wave of innovation.Craig challenges the misconception that AI isn't delivering results, explaining why the focus shouldn't be on ROI alone. Instead, he highlights the massive productivity gains AI is already bringing to marketing teams; automating tasks like messaging, research, and workflows. He also breaks down the phases of AI adoption, the rise of the “go-to-market engineer,” and why companies must invest in AI literacy and experimentation to stay competitive.In this episode, we cover:Why AI's true short-term value is productivity, not just ROIHow marketing teams are using AI for tasks like drafting messaging and conducting researchThe three phases of AI adoption and what they mean for your businessThe emergence of the “go-to-market engineer” and why this role is critical for AI successIf you're ready to move past the AI hype and start seeing real, team-level results, this episode is packed with insights you won't want to miss! 

Executive Summary: The Dawn of a Real Estate Behemoth   The definitive merger agreement between Compass, Inc. (NYSE: COMP) and Anywhere Real Estate Inc. (NYSE: HOUS), announced on September 22, 2025, represents a landmark event in the residential real estate sector. Structured as an all-stock transaction, the deal is set to create a combined company with an enterprise value of approximately $10 billion, including assumed debt.1 This strategic union is not merely an acquisition but a fundamental realignment of the industry's competitive landscape, driven by the ambition to unite Compass's sophisticated, technology-centric platform with Anywhere's expansive, global network of agents and its diversified business operations.1 The new entity will emerge as the largest brokerage platform in the United States, boasting a network of approximately 340,000 real estate professionals spanning over 120 countries.1 From an investor standpoint, the transaction promises significant financial efficiencies, with Compass anticipating more than $225 million in non-GAAP OPEX synergies.1 Furthermore, the deal is expected to add over $1 billion in diversified revenue from Anywhere's established franchise, title, and escrow businesses, providing a more resilient financial foundation in a challenging market.1 However, the initial market reaction, characterized by a 16% slide in Compass's stock price while Anywhere's shares soared over 48%, signals a degree of investor apprehension about the deal's valuation and the complexities of its execution.2 For real estate professionals, the combined platform offers an unprecedented scale of technology tools, a broader range of service offerings—including mortgage, title, and relocation services—and a vastly expanded referral network.4 The success of this union hinges on the delicate process of cultural integration and the critical task of retaining Anywhere's agents, who are the core assets in this transaction.7 For the wider industry, this merger represents a powerful consolidation that challenges the established power dynamics held by third-party portals like Zillow and the traditional Multiple Listing Service (MLS) model. The combined entity's control over a massive volume of listings could reshape the flow of information and commerce in the residential real estate market.9   The Transaction: A Detailed Financial and Structural Analysis   The merger of Compass and Anywhere Real Estate is a testament to the strategic use of financial and structural engineering to achieve transformative scale. The mechanics of the deal and its stated financial objectives provide a clear window into the companies' long-term vision.   Deal Mechanics and Valuation   The transaction is structured as an all-stock merger, a mechanism that aligns the interests of both companies' shareholders by deferring immediate cash payouts in favor of a shared stake in the future enterprise.1 Under the terms of the agreement, each share of Anywhere common stock will be exchanged for 1.436 shares of Compass Class A common stock.1 This share exchange ratio was determined based on Compass's 30-trading-day volume-weighted average price as of September 19, 2025, and represents a per-share value of $13.01 for Anywhere shareholders.1 This valuation is a major component of the transaction, as it translates to an approximate 84% premium over Anywhere's closing stock price on the Friday preceding the merger announcement.2 The total acquisition value for Anywhere is cited at about $1.5 billion, or $1.6 billion in other reports, which contributes to the combined company's total enterprise value of roughly $10 billion, inclusive of debt assumption.2 The ownership structure of the new entity reflects the strategic power balance. Upon completion, current Compass shareholders will hold approximately 78% of the combined company on a fully diluted basis, while Anywhere shareholders will own the remaining 22%.1 This allocation grants Compass a controlling interest and solidifies its leadership, with Compass CEO and Founder Robert Reffkin designated to lead the new organization.3 The market's initial reaction to these terms was bifurcated. While Anywhere's stock experienced a significant surge, Compass's shares fell sharply, indicating a degree of market apprehension.2 This response suggests that investors may be weighing the strategic benefits against the potential costs. A significant area of concern for the market appears to be the assumption of Anywhere's substantial debt burden of $3.34 billion, a liability that Compass will inherit.12 The market's apprehension suggests that the valuation, while seemingly a windfall for Anywhere, may be perceived as an overpayment for an acquiring company that still faces significant operational hurdles.   Financial Projections and Synergies   A central tenet of the merger's financial rationale is the realization of meaningful operational efficiencies and the diversification of revenue streams. Compass anticipates achieving over $225 million in non-GAAP OPEX synergies, a figure that is a key component of the deal's value proposition.1 These efficiencies are expected to be realized by integrating redundant operations and leveraging the new scale to lower costs across the board. The acquisition of Anywhere's business units—specifically its franchise, title, escrow, and relocation operations—is projected to add more than $1 billion in revenue to Compass's top line.1 This represents a crucial strategic move to diversify Compass's revenue away from its commission-heavy model, which is highly susceptible to the cyclical nature of the housing market.14 By acquiring businesses that generate revenue from various stages of the real estate transaction, Compass is building a more resilient and stable financial profile. The combined company's anticipated 1.2 million transactions annually present a significant opportunity to cross-sell these ancillary services, creating a more seamless and integrated experience for clients while boosting revenue per transaction.1 The combined company is also projected to generate significant free cash flow and strengthen its balance sheet.1 To support its financial strategy, Compass has secured a $750 million financing commitment from Morgan Stanley Senior Funding, Inc., with a stated goal to deleverage to a net leverage of approximately 1.5x Adjusted EBITDA by the end of 2028.1 This aggressive deleveraging plan indicates a commitment to long-term financial health and suggests that the company is keenly aware of the debt it is assuming.   Strategic Rationale: A Symbiotic Combination of Strengths   The merger is fundamentally a move to create a new kind of real estate platform by combining the distinct and complementary strengths of two industry leaders. The strategic logic transcends a simple consolidation play; it is about combining a technology-first model with a vast, established network to create a dominant market presence.   Compass's Strategic Imperative   Compass has long positioned itself as a property technology company, investing over $1.8 billion to build an end-to-end platform for its agents.4 The company's business model revolves around empowering real estate professionals with sophisticated tools for customer relationship management (CRM), marketing, and transaction management.14 This technology-driven approach has enabled Compass to attract a network of approximately 40,000 agents and focus on high-margin, high-end properties.2 The Anywhere acquisition represents an opportunity to accelerate this strategic vision on a massive scale, instantly expanding its network to approximately 340,000 professionals and broadening its geographic and demographic reach.2   Anywhere's Strategic Value   Anywhere Real Estate, a legacy player in the industry, brings a wealth of brand equity, a globally recognized footprint, and a diversified business model to the table. Its portfolio of leading brokerage brands—including Century 21, Coldwell Banker, Better Homes and Gardens, and Sotheby's International Realty—provides a powerful foundation of consumer trust and a massive agent network.2 Anywhere's business model is a mix of franchise operations and company-owned brokerages, which allows for expansive growth without the overhead costs of a fully centralized model.4 Furthermore, its ancillary businesses in relocation, title, and escrow provide a stable, recurring revenue base that complements Compass's more transaction-dependent business model.1   The Combined Value Proposition   The central value proposition of the merged entity is to create a "premier real estate platform" by integrating Compass's technology with Anywhere's scale and brands.1 The stated goal is to create a seamless, all-digital, end-to-end platform that streamlines agent workflows and enhances the consumer experience.6 This merger is an attempt to execute what has been referred to as the "Apple playbook" within the real estate industry.14 Just as Apple controls the entire value chain from hardware to software and services, the new Compass seeks to control every stage of the real estate transaction, from lead generation and marketing to the closing process itself. This is not just a growth strategy; it is a fundamental move to build a vertically integrated ecosystem that captures a larger share of the total revenue generated from each transaction, making the business more resilient to market fluctuations and increasing profitability.   Market Implications and the Redrawing of the Competitive Map   The merger is a profound example of the strategic consolidation taking place in the residential real estate sector. It occurs at a time of significant market stress, with a multi-year U.S. housing slump and elevated mortgage rates putting pressure on all industry players.2 This transaction is part of a broader trend, as evidenced by other recent, large-scale deals like Rocket Cos.' acquisitions of Mr. Cooper and Redfin.2 This consolidation is a direct response to a challenging macroeconomic environment, with companies betting that scale, diversification, and technology can unlock efficiencies and strengthen their competitive position.   The New Power Dynamics   The combined Compass-Anywhere entity, with an estimated market share of approximately 18% of U.S. transactions, creates a powerful new "Goliath" in the industry.2 This new scale has significant implications for key industry players and the traditional real estate ecosystem. A major strategic element of this merger is the power it grants the new entity in its ongoing disputes with online portals, particularly Zillow. Compass has been embroiled in a lawsuit against Zillow over its policy banning "Private Exclusives," or off-market listings shared only within a brokerage's network.9 The combined company's control over a massive amount of "content," in the form of listings and transaction data, provides unprecedented leverage.10 By normalizing off-MLS inventory at a national scale, the new Compass could bypass Zillow's portal and the traditional MLS, creating a self-contained ecosystem that forces consumers to go through a Compass agent to access a critical mass of listings.9 The deal is not just about agent count; it is a strategic bet on controlling the flow of data and the attention of buyers and sellers, a battle for who will ultimately "rewrite the rules of how homes get marketed".9 This industry shift also poses a long-term challenge to the National Association of Realtors (NAR), whose historical strength was built on a fragmented network of independent brokers.13 As power consolidates into a handful of large entities, the influence of a trade group designed to serve a decentralized industry may diminish.   Critical Challenges and Risks to Execution   Despite the compelling strategic rationale, the success of this merger is not assured. The integration of two such different organizations presents a number of significant and complex challenges, from regulatory hurdles to the intangible risks of cultural alignment.   Regulatory and Antitrust Hurdles   The merger is subject to regulatory approval by the Federal Trade Commission (FTC) and the Department of Justice (DOJ) under the Hart-Scott-Rodino (HSR) Act.1 Given the combined company's significant market share of approximately 18%, the deal will almost certainly face intense regulatory scrutiny.2 A key precedent for this risk is Compass's previous acquisition of @properties, which required the divestiture of certain assets to satisfy regulatory compliance.18 The scale of the Anywhere transaction amplifies the risk of similar divestiture obligations, which could force the new company to restructure the deal and potentially undermine its strategic vision.18 Compass has proactively addressed this risk by hiring a former DOJ antitrust leader as its Chief Legal Officer, a move that underscores the seriousness with which the company is approaching this issue.19   Cultural Integration and Agent Retention   Perhaps the most significant risk to the merger's success is the challenge of uniting two fundamentally different corporate cultures. Compass is a technology-driven, centralized organization with a focus on high-end, high-margin transactions.14 Anywhere Real Estate, in contrast, is a long-established, decentralized franchise network with a vast portfolio of independent brands.16 Robert Reffkin has stated his intent to "preserv[e] the unique independence of Anywhere's leading brands" 2, but the very purpose of the merger is to bring agents onto a "shared network" and a common technology platform.1 This creates a fundamental tension that could lead to a culture clash, a factor that has derailed past mergers, as seen in the cautionary tale of Amazon's acquisition of Whole Foods.20 The ultimate assets in this deal are the real estate agents, who are independent contractors and can easily migrate to competing brokerages if they are dissatisfied with the integration process, a change in their commission splits, or a cultural misalignment.8 Successfully retaining Anywhere's 300,000 agents will be the true test of the merger's viability.   Financial and Operational Risks   In addition to the assumed debt, the integration of technology platforms is a complex and costly endeavor.7 Compass's proprietary software must be seamlessly integrated with the disparate systems and workflows of Anywhere's many brands. This is a monumental operational task that carries the risk of delays, cost overruns, and a negative impact on agent productivity during the transition. The financial projections of over $225 million in synergies are predicated on the successful navigation of these complexities. Any shortfall in realizing these efficiencies could jeopardize the company's deleveraging plan and its long-term financial health.   Conclusion and Forward Outlook   The merger of Compass and Anywhere Real Estate is a watershed moment for the residential real estate industry. It is a bold, strategic bet that in an era of market contraction and technological disruption, a combination of scale, brand recognition, and a sophisticated platform is the key to long-term survival and dominance. The strategic synergies are compelling, particularly the opportunity to diversify revenue, increase profitability through operational efficiencies, and gain significant leverage against third-party players like Zillow and the MLSs. However, the path to success is fraught with significant execution risks. The ability to successfully navigate regulatory scrutiny, integrate two vastly different corporate cultures, and retain the massive agent network it has acquired will be the primary determinants of the deal's ultimate success. If Compass can overcome these hurdles, the new company will be poised to lead a new era of "platform-driven" real estate, fundamentally reshaping how homes are marketed and sold in the U.S. and beyond. If it fails, the merger will serve as another costly lesson on the complexities of combining disparate business models in a rapidly evolving market. BONUS LINK: To celebrate this historical moment in organized real estate, you are invited to join a powerful new real estate referral club created for all those who are part of this new merger. Here is the invite link. Be sure to invite those you may want to include.  This podcast was AI produced.

Many of us were taught a gospel that's true—but incomplete. It became a “ticket to heaven,” divorced from daily life, intimacy, and our purpose in God's larger story. In this candid conversation, Steve and Colleen unpack how post-Enlightenment thinking, cultural striving, and a transactional faith left them exhausted and spiritually dry—and how Jesus invited them into union, abiding, and the wholeness of Shalom (“nothing missing, nothing broken”).They trace the story from Genesis 1:26–28 (the cultural mandate) to John 14:6, John 5:19, John 17:20–21, and John 10:10, showing how the “whole gospel” restores us to partnership with God—now. Expect practical honesty (including Colleen's “contract with God” moment and Steve's Monday-through-Friday faith challenge), a re-centering on intimacy over information, and a hopeful vision of life with God that integrates heaven and earth.Chapters00:00 The Desire for Intimacy with God02:53 The Incomplete Gospel and Its Impact05:44 Understanding God: Beyond Knowledge09:00 The Journey of Faith and Relationship12:09 The Transactional Nature of Christianity14:59 The Call for Intimacy and Union with God17:57 The Cultural Mandate and the Complete Gospel20:41 The Vision of Restoration and Purpose23:54 Living the Abundant Life in Christ

Former NBA Player Shocks Fans Revealing LeBron James Will Get a Statue in Los Angeles, Bill Simmons Calls Kawhi Leonard Signing the Most Damaging Transaction in NBA History, LeBron James Accused of Shamefully Stealing Kobe Bryant's Retirement Idea Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn this abbreviated episode of Dishin' Dirt, I will discuss the other side of the coin in the builder agent debate. I will talk about the fiduciary duty that buyer agents have in a new construction transaction. Quit dropping off your clients and leaving!  Why do I even have to say this.And then I will shift gears to explain the implications of the new FinCEN reporting requirements and urge agents to stay informed and compliant to protect their licenses and clients.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

Bon début de saison à nos auditeurs ! Cette semaine dans le TSLH Podcast, on parle d'espoirs ayant performé au tournoi Hlinka, du poste de deuxième centre du CH et de l'avantage numérique du Canadien. Voici l'alignement complet pour cet épisode:Intro: Les nouveautés du TSLH PodcastSegment Sous le Radar: Analyse de Mathis Preston, Oscar Hemming, Jack Hextall, Malte Gustafsson, Blake Zielinski et d'Alberts Smits. Segment Habs Express: Crosby à Montréal, le poste de 2e centre, la rumeur de Pavel Zacha et l'avantage numérique partant du CH !CONTENU EXCLUSIF:www.patreon.com/TSLHPodcast=====================Probatio Assurance:https://partenaire.beneva.ca/fr/agence/aprobatioLigne direct: 1-844-792-8914=============================Barbe Noire - viande fumée:https://www.facebook.com/BarbeNoireVF...https://barbenoire.com/collections/bo...=====================Pour télécharger les Guides du TSLH Espoirs:https://www.toutsurlehockey.com/tslh-...=====================CODE PROMORabais sur abonnement EBOX: PM1736=====================SUIVEZ-NOUS !Site web: https://www.toutsurlehockey.com/Facebook: / toutsurlehockeycom Twitter: https://twitter.com/Toutsurlehockey?s=20Threads: https://www.threads.net/@toutsurlehockeyBlueSky: https://bsky.app/profile/tslh.bsky.so...

This week on Preach, we launch a new series: Preaching for the Sacraments—how homilists can bring depth and imagination to their preaching during some of the Catholic Church's most meaningful rites. To set the stage, host Ricardo da Silva, S.J., speaks with Anthony Ruff, O.S.B., Benedictine monk and professor of liturgy at Saint John's School of Theology and Seminary in Minnesota. Together they unpack what sacraments truly are—and how to preach them with both depth and imagination. “A sacrament is not a vending machine where we put the thing in our action and then the thing comes out automatically,” Anthony explains. “God acts through symbols such as water and oil and laying on hands and exchanging the peace with one another and singing together.” Grace is not dispensed mechanically, but unfolds through real human experience: “If I'm becoming more human and growing in community, I'm being divinized.” Preaching at sacramental celebrations must therefore begin with the lives of those gathered, not abstract theology. “I really try to say, what's the word that will be Christ for them, that will resonate with their experience?” Anthony reflects. “We really have to think about the whole life of this community—and then our homily is a part of that.” In this episode: 00:00 – ‘A sacrament is not a vending machine' 01:10 – Introduction 02:40 – Meet Anthony Ruff: monk and teacher 04:00 – About the Compelling Preaching Grant 08:10 – What is a sacrament? Encounter, not simply ritual 08:48 – What is the core purpose of the sacrament? 13:20 – A sacrament as a sign of peace 15:50 – Mystery, not magic 17:38 – Becoming aware of the God's presence in your life 19:48 – Sacraments vs. sacramentals: what's the difference? 21:40 – Sacraments for community and the individual 24:05 – A final word on sacraments 27:05 – What preaching is for? 28:45 – Homilies at sacramental Masses: rite or readings? 33:10 – Symbols as stage directions 36:40 – Challenges and pitfalls of preaching the sacraments 38:50 – How long does it take to prepare for a sacrament 40:50 – Keeping the mystery of the sacraments alive Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we welcome Dietlof Mare, CEO of MAZIV, the company behind South Africa's largest open-access fiber networks, including Vumatel and Dark Fibre Africa. With the Competition Appeal Court's approval of MAZIV's landmark merger with Vodacom, the company is entering a defining chapter in its mission to connect more South Africans. Dietlof shares insights on the challenges of fiber rollout, the scale of investment required, and the impact that expanded connectivity can have on communities and the broader economy. The discussion also explores how the transaction unlocks capital and infrastructure needed to accelerate fiber expansion, particularly into underserved areas. Dietlof highlights the importance of balancing competition with public interest, while ensuring open access remains at the core of MAZIV's model. With plans to reach millions more homes and businesses, he unpacks how enterprise fiber, 5G backhaul, and community connectivity will play a critical role in South Africa's digital future.

GoviEx Uranium Inc head of corporate communications Isabel Vilela talked with Proactive's Stephen Gunnion about the company's recent developments, including progress in Niger and the planned transaction with Tombador Iron. Vilela explained that GoviEx had agreed with the Republic of Niger to extend the pause in arbitration over the Madaouela Project license for another six months. She noted, “The key point here is that both parties are willing to talk and negotiate, and we want to keep the dialogue going.” Vilela emphasised that the arbitration pause remains entirely separate from the company's deal with Tombador Iron. She also provided an update on the reverse takeover transaction with Tombador, highlighting that over 40% of GoviEx security holders have already committed to supporting the deal. On the Tombador side, their shareholder vote is scheduled for early October, with GoviEx's meeting planned later in the month. The company expects to close the transaction before the end of the year, pending regulatory approvals. Vilela outlined the benefits of the transaction, including access to Australian mining investors, an injection of between A$5 million and A$10 million at a premium to the current share price, and a tighter capital structure through share consolidation. Importantly, GoviEx shareholders will retain 75% of the combined company pre-raise. The business will also rebrand to Atomic Eagle, with a continued focus on developing the Muntanga Project. For more videos, visit Proactive's YouTube channel. Don't forget to give this video a like, subscribe to our channel, and enable notifications for future updates. #GoviExUranium #Uranium #MiningStocks #ASXListing #AtomicEagle #TombadorIron #MuntangaProject #Niger #UraniumMining #ProactiveInvestors

Carmen Maendel is a CO-CEO with her husband Nate for their tree company, Nate's Property Maintenance LLC. They specialize in tree removal and tree trimming and property transformations. Carmen handles all the business operations on the home front while Nate works with their clients and NPM Team on the job sites. They focus on service and truly demonstrate that "Service is More than a Transaction" as a husband and wife team. Carmen is also an author for 8 anthologies and is debuting as a solo author for her book she is working on right now: Courageous Women: Casting Cares Upon Jesus.

Satan is preparing the world for the anti-christ—God is preparing the Church for Jesus' return. In this powerful two-part message, Pastor Scott Johnson brings truth and revelation to answer the question—am I a part of the rapture generation and how do I prepare for Jesus' return. Sin causes us to stay static, but repentance causes us to progress in wisdom, revelation and righteousness. This is the key to preparation. Take a listen—unlock wisdom!   Thank you for tuning into Pathpoint's Sunday message. We invite you to join us for our Sunday Experience every week at 10:30 a.m. where we have powerful worship, spirit-led ministry time and wisdom-filled messages. It is our desire to elevate every believer's spiritual IQ in preparation for Christ's return. Visit our website at www.pathpointfellowship.com for more information about our church and who we are. We would love to pray with you - if you have a prayer request, visit https://www.pathpointfellowship.com/prayer. To give or donate online, visit https://www.pathpointfellowship.com/giving. To dive deeper and gain spiritual skills for life, visit https://www.pathpointfellowship.com/school-of-spiritual-empowerment for information on PFC's School of Spiritual Empowerment. We believe God has something specific for you and pray you experience revelation and wisdom in this message.

Ted Rossman of Bankrate joins Tommy to talk about the average amount of money in your banking accounts.

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Downsizing in retirement seems like a no-brainer, but it's not that simple. In this episode, Phil tests some of the most common beliefs about downsizing and whether they really hold up. Is moving to a smaller home always cheaper? Does it automatically lower your taxes? Will it actually simplify your life, or just trade one set of challenges for another? Here's some of what we discuss in this episode:

Yuval Rooz, co-founder and CEO of blockchain firm Digital Asset, joined me to discuss the Canton Network's unique blockchain that is built for institutions.Topics: - Canton Network's unique public and privacy blockchain - Raising $135 Million - Institutions need for privacy with Blockchain transactions - Zero Knowledge proof- Tokenization of assets- 24/7 Markets- Stablecoin market - Chainlink partnership Show Sponsor -

The Eagles finished a game technically Friday morning. And in 3 days since about a million transactions have taken place. The Eagles signed two edge rushers to the active roster, traded for a RB, released an offensive lineman, and made at least 4 practice squad moves and that's what we go over in this show.https://sportspyder.com/nfl/philadelphia-eagles/news?pid=4349

Pour écouter l'épisode en entier, tapez "#490 - Serge Vatine - Bold - L'avocat punk qui propose des abonnements illimités" sur votre plateforme d'écoute.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Are you trusting your biggest financial move to someone without a real plan? In today's unpredictable market, just having a license isn't enough. You need a real estate agent with a proven process—and in this solo episode, Seth breaks down exactly why that matters more than ever.From the hidden heroes behind your transaction to the questions that reveal who's the real deal, Seth shares insider stories and practical tips that'll help you spot a top-tier agent before it's too late.

Reconciliations don't have to be painful. In this episode, we explore how OneStream's Transaction Matching (TXM) transforms one of finance's most time-consuming bottlenecks into a streamlined, automated process. Learn why manual matching in spreadsheets creates risk, how TXM delivers speed and accuracy with configurable rules and direct integrations, and why its unified platform advantage sets it apart. You'll also hear two CPM customer success stories about a fast-growing services company, and a financial institution, that showcase how TXM shortened their close, improved accuracy, and freed finance teams to focus on strategy.

A conversation with Robin, CEO of Raiku, about Raiku's approach to guaranteed transaction includion on Solana.

You work hard to curate, pack, and ship your subscription box each month. But when you check your bank account, the numbers don't add up. Sound familiar? If you've been wondering why you're selling more boxes but still struggling with cash flow or not paying yourself, it's time to get serious about your pricing. So many subscription box owners start out underpricing, and it's not always intentional. You want to be affordable. You don't want to scare people away. You tell yourself you'll raise prices later. Underpricing is costing you more than you think. When you forget about packaging, shipping materials, transaction fees, your time, and even damages or reships, your “$10 profit” can quickly become $6… or nothing at all. Month after month, that tight margin leaves you stressed, resentful, and unable to grow. Take Action: Audit your current price vs. your real total cost per box. Include everything: include tape, inserts, and your time. Most box owners price from the bottom up. They add up products, tack on shipping, and call it good. But that strategy sets you up to struggle. Instead, flip it around: start with your margin goals and build your box to fit. If you charge $50 per box, that means your total cost (products, packaging, shipping, fees, fulfillment) should be no more than $20-$27.50. Once you know your limit, you can source and curate accordingly. Take Action: Reverse-engineer your price. Decide your profit margin first, then set your product budget. Even if your pricing looks solid, hidden costs can eat away at your profits. Things like: Transaction fees (PayPal, Shopify, Stripe) Shipping materials (not just postage) Software and subscriptions (Klaviyo, Canva, Shopify) Labor, including YOURS Returns, damages, and inventory overages “Small” surprises and freebies These add up fast, especially as you grow. If you don't account for them, your margin disappears. Take Action: Do a hidden cost audit this week. Write down every recurring business expense and calculate what it costs you per box. Realizing your price isn't sustainable can feel scary. But raising prices doesn't mean failure, it means leadership. Be transparent with your subscribers about the reason for the increase. Give them 30–45 days' notice. Decide if you'll grandfather in current subscribers. Consider a tiered option if needed. Yes, you may lose a few subscribers. But the ones who stay will actually be profitable, and that's how you build a business that lasts. Profitable businesses don't just change your life. They make it possible for you to keep serving your subscribers for years to come. Take Action: Choose your new price based on margin goals, set an effective date, and start your communication plan. You didn't start your subscription box to break even. You started it to make an impact, create income, and build freedom. But that only happens if your pricing supports your profit.  Download the free Box Budget Worksheet and run your numbers today. This tool makes it simple to plug in your costs, your price, and see exactly where you stand. In this episode of the Launch Your Box Podcast, I'm walking you through the real cost of underpricing, how to set profit margin goals that actually work, and what to do if you need to raise your prices.  Download the Box Budget Worksheet here: https://www.launchyourboxwithsarah.com/my-box-budget Join me in all the places:     Facebook Instagram Launch Your Box with Sarah Website  Are you ready for Launch Your Box? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. Join the waitlist today!

Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, James McAvity, CEO of bitcoin miner Cormint, joins us to talk about a potential, looming existential crisis for Bitcoin: low transaction fee revenue. With transaction fees at only 2% of mining revenue, McAvity argues the current model is unsustainable as rewards halve every four years. Subscribe to our newsletter!  **Notes:** • Transaction fees: 1/50th of total block rewards • 20GW mining capacity running 24/7 globally   • 70 basis points: current annual BTC issuance • $30-50K: cost per gigawatt hour electricity • 2036: block rewards drop to 8 basis points • $20T: potential future Bitcoin market cap Timestamps: 00:00 Start 02:32 Is mining cooked? 08:05 Interpreting Satoshi's Goals 13:17 Hot mess or solid roadmap? 20:46 Cleanspark 21:15 Fees in a money protocol 25:44 truested intermediaries 31:42 Monero attack 38:39 Longterm bearish on mining? 44:59 What to do?

In this episode, Ari Paparo moderates a debate about the role of transaction IDs in the ad tech industry with Mike O'Sullivan, co-founder of Sincera and now part of The Trade Desk, and Chris Kane, founder of Jounce Media. The conversation covers the benefits and drawbacks of transaction IDs, publisher concerns about revenue and data privacy, and the influence of the Trade Desk. The episode also looks into the complexities of auction duplication and the need for transparency and standardization in digital advertising. In The Refresh, Ari and Eric Franchi discuss related topics, including CTV pause ads, AI payment models, and Amazon's decision to block AI bots from scraping data. Takeaways Transaction IDs help harmonize ad requests and improve auction processes. Publishers express concerns about potential revenue loss and data privacy. The Trade Desk's influence is a point of concern for many publishers. Request duplication presents a significant challenge in ad tech. Engaging with buyers is crucial for publishers to understand market needs. Recent pre-bid changes have limited publishers' strategic options. Cleaner auctions can benefit both buyers and sellers. Transparency is vital for fair competition in the ad market. Publishers should seek clarity on how their inventory is presented. Standardization is needed for better performance in the ad tech ecosystem. Chapters 00:00 Introduction to Transaction IDs 02:15 Understanding Transaction IDs and Their Controversy 05:15 Publisher Concerns and Revenue Implications 09:01 The Impact of Request Duplication 14:35 Practical Uses of Transaction IDs for DSPs 18:46 The Future of Transaction IDs in Ad Tech 19:22 The Pre-Bid Controversy 20:53 Skepticism in the Market 25:11 Fear of Trade Desk's Power 30:12 Navigating Publisher Concerns 35:03 Advice for Publishers Moving Forward Learn more about your ad choices. Visit megaphone.fm/adchoices

Host Tom Keatinge reveals what's in store for Season 8 of the Suspicious Transaction Report. Some great episodes are already lined up, delving into terrorist financing, what it's like to be imprisoned after attempting to reform a country's financial system, how to lead not one, not two, but three financial intelligence units (FIUs), and why the best way to fight financial crime is time in a prison cell with a guy called Bruno... There's so much more to come.

Have you ever felt that if you can't get a certain kind of "love"—the kind that's based on looks, status, or performance—then you don't want it? In this powerful episode of Everything Saged, The Sage dives into the profound difference between true love and the imitation we've been taught to accept. We'll confront the difficult truth: that a shallow, counterfeit version of love has become so prevalent, it's blinding us to the real thing. Join us as we uncover why this isn't love at all, and how to begin the journey toward a deeper, more enduring connection.

Effet Trump, acheteurs américains en quête d'authenticité, Scandinaves amoureux du soleil… Benjamin Mondoux dévoile à Ariane Artinian les tendances et conseils pour investir à Nice.Et si l'effet Trump avait dopé l'immobilier niçois ? Dans cet épisode de Mon Podcast Immo, Benjamin Mondoux, directeur des agences Century 21 Lafage Transactions à Nice, répond au micro d'Ariane Artinian. Dans ses agences, les Américains représentent désormais 27 % des acheteurs, attirés par les vieilles pierres et l'histoire, quand les Scandinaves misent sur terrasses, vue mer et soleil. Budget, quartiers en plein essor (Riquier, Saint-Roch, Libération), conseils pour vendre vite (« Épurez, votre bien se vendra mieux ») : un état des lieux complet d'un marché international et ultra-compétitif. Un podcast MySweetImmo à écouter sur toutes les plateformes.

Send us a textThe economic revolution we've been waiting for isn't just coming—it's already here. In this eye-opening conversation, Steve Clegg brings decades of financial expertise to explain how artificial intelligence and cryptocurrency are fundamentally restructuring global commerce by eliminating the layers of middlemen that have traditionally absorbed 20-30% of transaction value.Clegg's journey through international finance began in 1974 when, as a 24-year-old University of Chicago graduate, he wrote a paper identifying the three fundamental challenges of global commerce: exchange rate fluctuations, interest rate differences, and local pricing disparities. That paper caught the attention of Federal Reserve Chairman Arthur Burns, launching Clegg into a career managing foreign exchange for major corporations. Now, nearly five decades later, he's watching cryptocurrency solve those exact problems he identified as a young economist.What makes this discussion truly compelling is how it connects technological innovation to fundamental economic principles. "There's no such thing as one-hand clapping," Clegg explains. "It requires two people exchanging goods and services." This core transaction—buyer and seller—has remained constant throughout human history, but the systems built around it have grown increasingly complex and extractive. AI and blockchain technology are now enabling a "great inversion," where technology supports rather than exploits commerce.The implications extend far beyond finance. Manufacturing cycles have compressed from years to just seven months. Energy production is becoming decentralized through mini nuclear reactors. Local food production via hydroponics eliminates transportation costs that typically account for 50% of food prices. These advancements suggest a future where communities can become more self-sufficient economic entities.Whether you're a business owner concerned about staying competitive, an investor trying to understand market trends, or simply someone wondering how these changes will affect your career, this conversation provides valuable perspective on navigating the most significant economic transformation of our lifetimes. The question isn't whether these changes are coming—it's whether you're prepared to adapt. Visit us at LearningWithoutScars.org for more training solutions for Equipment Dealerships - Construction, Mining, Agriculture, Cranes, Trucks and Trailers.We provide comprehensive online learning programs for employees starting with an individualized skills assessment to a personalized employee development program designed for their skill level.

Ever sent crypto and wondered, “Did that actually go through?” Instead of fretting, learn to verify it yourself using a block explorer—your personal crypto “Google.” In this episode, I walk you step-by-step through the process, explain how transaction confirmations work, and share the top explorers for the biggest blockchains so you can track your transfers with confidence.What You'll Learn:How to locate your transaction ID (TXID) and use it to check statusThe number of network confirmations needed for each blockchain for finalityWhich explorer to use based on the blockchain you're onBonus tip: What makes ERC-20 tokens different, and how that affects trackingTop Blockchain Explorers:Blockchain ExplorersBitcoin | blockchain.com / blockstream.infoEthereum (+ ERC-20) | etherscan.ioAvalanche | snowtrace.ioSolana | solscan.ioCardano | cardanoscan.ioAlgorand | allo.info / peraSui | suiexplorer.comBe sure to bookmark them!Here is the mentioned link to Visa On Chain AnalysisWalking through for confidence: Learning to use these tools not only eases your mind about your transfers—it helps you master how the blockchain really works.

ITB's Eagles beat reporter Andrew DiCecco gives his insights from covering the Eagles on a daily basis. #philadelphiaeagles #eagles #flyeaglesfly #jalenhurts #jalencarter #saquonbarkley #ajbrown #nolansmith #vicfangio #nicksirianni In this episode, he details what happened at the last Eagles training camp practice of 2025.

Technology, Business - Craig Rosenberg & Matt Amundson | B2B Sales & Marketing Experts - Hosts of The Transaction

This talk was given by Matthew Brensilver on 2025.08.19 at the Insight Meditation Center in Redwood City, CA. ******* Video of this talk is available at: https://youtube.com/live/tVxLAQqJTuk. ******* For more talks like this, visit AudioDharma.org ******* If you have enjoyed this talk, please consider supporting AudioDharma with a donation at https://www.audiodharma.org/donate/. ******* This talk is licensed by a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License

Why does modern prayer need a serious rethink? In this engaging episode of the Voxology Podcast, Mike Erie and Tim Stafford dive into the complex relationship between prayer, faith, and cultural challenges. From unpacking the transactional mindset often tied to prayer to exploring how the teachings of Jesus reframe this sacred practice, the conversation invites us to reimagine prayer as a transformative act of humility, gratitude, and community. The hosts discuss the role of the church in society, and how faith intersects with politics and justice in today's world. Drawing from both ancient Jewish practices and the Lord's Prayer, the episode challenges the prevalent individualistic approach to faith, calling listeners to deeper reflection on blessing God, acknowledging the gifts of life, and responding to societal issues with action. With their hallmark blend of critical thinking, curiosity, and humor, Mike and Tim offer a compelling perspective on navigating cultural tensions while staying rooted in the teachings of Jesus. We'd love for you to join the conversation! Feel free to share your thoughts or questions on Facebook, Instagram, or Twitter. Let's wrestle with these ideas together as we pursue a more authentic, Jesus-centered faith. CHAPTERS: 00:00 - Intro 01:40 - Mike's Bad Mood 06:20 - World Relief Events 08:07 - Blessing God Explained 10:29 - John's Teaching on Prayer 13:01 - Understanding Jewish Prayers 15:47 - Overview of the Mishnah 20:14 - Jesus's Teachings on Blessings 22:33 - Exploring Worldview Assumptions 27:41 - Living in God's Presence 31:20 - Prayer: Contract vs Covenant 35:00 - The Importance of Recollection 39:55 - The 613 Commandments Explained 42:50 - Understanding Entitlement 45:33 - The Reward of Following Jesus 49:28 - Thank You and Goodbye As always, we encourage and would love discussion as we pursue. Feel free to email in questions to hello@voxpodcast.com, and to engage the conversation on Facebook and Instagram. We're on YouTube (if you're into that kinda thing): VOXOLOGY TV. Our Merch Store! ETSY Learn more about the Voxology Podcast Subscribe on iTunes or Spotify Support the Voxology Podcast on Patreon The Voxology Spotify channel can be found here: Voxology Radio Follow us on Instagram: @voxologypodcast and "like" us on Facebook Follow Mike on Twitter: www.twitter.com/mikeerre Music in this episode by Timothy John Stafford Instagram & Twitter: @GoneTimothy

"Faith; A Spiritual Transaction"Scripture: John 3:3Messenger: Apostle Suzanne M Howard

Clive Anderson hosts a Loose Ends party with some of the many musicians, comedians, writers and stars of the stage lighting up the Edinburgh Festivals.Ruth Jones' latest book By Your Side is partly set in Scotland, and she'll be in the capital sharing some of her pet peeves that have found their way on to its pages. Comedian and actor Jordan Gray is having a busy summer, her new sitcom Transaction hit our screens in June and her stage show promises to be her rootin-est, tootin-est, shootin-est hour of musical comedy so far. Stand-up Jamie MacDonald doesn't want being blind to shut down his opportunities to be loathsome and toxic. Plus comedian Dylan Adler on growing up one half of a pair of identical gay twins. With music from Hot Mess, a musical that rides the highs and lows of Earth and Humanity's passionate love affair, and Nigerian singer-songwriter James Emmanuel shares his love for Edinburgh, the city he now calls home. Presenter: Clive Anderson Producer: Caitlin Sneddon

Hot market. Slow market. Doesn't matter. The agents who thrive are the ones with systems for efficiency that keep their business running smoothly in keep agents winning no in any market.In this episode, Courtney shares three essential systems that will save you time, reduce stress, and help you close more deals without sacrificing your life:

A new quarterback for a Southeastern Conference football power is speaking out amid sports gambling concerns. Correspondent Gethin Coolbaugh reports.

What do a can of 7UP and a pair of dirty shoes have to do with closing a sale and building meaningful relationships? In this episode, Brian and Dale reflect on a small but powerful story that highlights how thoughtful gestures—no matter how simple—can make a lasting impact. Sometimes, it's not about the product or the pitch; it's about showing people you truly see them.With humor and candid storytelling, the brothers unpack lessons from early business days. Along the way, they explore what it means to be others-focused, how to read the room, and why receiving well is just as important as giving.Whether you're in leadership, sales, or simply navigating day-to-day relationships, this episode is a reminder that small acts of kindness and awareness can open big doors—and leave a legacy far beyond the transaction.Episode Highlights: Relationship matters.Reading the Room in Sales and Life.Being Others-Focused.Leaving a Legacy Beyond the Transaction.Links Mentioned in Episode/Find More on ForeverLawn:www.foreverlawn.comImpact Without Limits Instagram: @impact_withoutlimitsForeverLawn's Instagram: @foreverlawnincGet Grass Without Limits HereVisit our show notes page HERESubscribe to Our Newsletter HEREDale's Instagram: @dalekarmieBrian's Instagram: @bkarmieThis show has been produced by Adkins Media Co.

Support the show and switch to Mint Mobile. Get a 3-month unlimited plan for just $15 a month at https://www.mintmobile.com/SOTIB #coltondowling and #DylanCarlino w/ #NickCallas Chapters: 0:48 – Intro 3:38 – My Mom Was a Ballerina 6:33 – Glider and Thruster = Top and Bottom 7:00 – Butt Stuff, Lube, and Lady Nails 10:02 – The Option Fetish & Insecurity in Bed 12:35 – West Side Story Vibes 14:18 – Why the 50s Were “Gay” & Theatrical 15:11 – Control Freaks 18:02 – We're Not Allowed to Show Butt Plugs Anymore 24:05 – Music Festival Sisters & Hypocrisy in Same-Room Sex 25:40 – Open Relationships, Gay vs. Straight Rules 28:55 – If You Were Gay… Spit Roast Fantasy 29:35 – Mint Mobile Ad Read 31:36 – Why Gay Men Might Have It Easier in Open Relationships 33:02 – Dating Rules, Dinner-as-Transaction, and Sex Shame 36:17 – Let's Do Both 37:04 – Guessing the Other Gender's Thoughts 38:07 – Honesty in Relationships is “Not Sexy” 39:46 – Punisher Silent Treatment vs. Over-Communication 40:46 – Cutting Off Love Like a Switch 42:15 – Resentment Resolved & Making Amends 43:25 – Should Your Ex Like You After? 44:46 – Friendship With Exes: Men vs. Women 46:34 – Gay. Gay. Gay. Gay. 48:27 – Be the Bad Guy and Move On 50:04 – The Real End of a Breakup = Apathy 51:24 – Do You Have Any Questions for Us? 56:05 – The Big Question 57:46 – Plugs Follow Nick Callas: Instagram- https://www.instagram.com/mrnickcallas/ Stand Up Special - https://www.youtube.com/watch?v=aRavfP9Bzvk Follow the Show: Spotify- https://open.spotify.com/show/0rIdFG1tD5NPDm9bwgd0B5 Instagram- https://www.instagram.com/someofthisisbad/ TikTok- https://www.tiktok.com/@someofthisisbad Patreon- https://patreon.com/SomeofThisisBad?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_fan&utm_content=join_link Follow Colton Dowling: Instagram- https://www.instagram.com/coltondowling/ Twitter- https://twitter.com/colton_dowling TikTok- https://www.tiktok.com/@coltondowling Follow Dylan Carlino: Instagram - https://www.instagram.com/dylanpcarlino/ TikTok - https://www.tiktok.com/@dylanpcarlino TOUR - https://punchup.live/dylancarlino Follow Jimmy Clifford: Instagram- https://www.instagram.com/thejimmyclifford/ Production Company- https://www.instagram.com/arrogantmenacecomedy/

This week's episode we talked about the transition from Peacock to ESPN. Mattyice was spot on with Seth Rollins cash in. Other thoughts of the week in wrestling. Thanks to our sponsors Big Dog Entertainment for the Wisconsin State Fair tickets. Thanks to My Auntie's Kitchen for the grub this week. Thanks to Transaction skate shop in West Allis for the awesome merch!

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Today's shout-out goes to Charles Thompson from Marshallville, GA. Thank you for your generosity and partnership in Project 23. Your faithfulness is helping many see Jesus as their greatest treasure. This one's for you. Our text today is Mark 14:1-11: It was now two days before the Passover and the Feast of Unleavened Bread. And the chief priests and the scribes were seeking how to arrest him by stealth and kill him, for they said, “Not during the feast, lest there be an uproar from the people.” And while he was at Bethany in the house of Simon the leper, as he was reclining at table, a woman came with an alabaster flask of ointment of pure nard, very costly, and she broke the flask and poured it over his head. There were some who said to themselves indignantly, “Why was the ointment wasted like that? For this ointment could have been sold for more than three hundred denarii and given to the poor.” And they scolded her. But Jesus said, “Leave her alone. Why do you trouble her? She has done a beautiful thing to me. For you always have the poor with you, and whenever you want, you can do good for them. But you will not always have me. She has done what she could; she has anointed my body beforehand for burial. And truly, I say to you, wherever the gospel is proclaimed in the whole world, what she has done will be told in memory of her.” Then Judas Iscariot, who was one of the twelve, went to the chief priests in order to betray him to them. And when they heard it, they were glad and promised to give him money. And he sought an opportunity to betray him. — Mark 14:1-11 This passage presents a stark contrast—two people standing on opposite sides of the same moment. Both are close to Jesus. Both witness His power. But one sees a treasure. The other sees a transaction. The woman walks in quietly. Breaks the jar. Pours out a year's wages in perfume on Jesus' head. No explanation. No hesitation. Just worship. And what does Jesus say? “She has done a beautiful thing to me.” She saw Jesus as worthy of everything. And then Judas walks out, looking for a price tag. Looking for a way to make Jesus useful, not worshipped. Looking to gain something, not give something. The woman gave everything to honor Jesus. Judas gave Jesus up for a handful of silver. Same setting. Same Savior. Two radically different responses. We all have to wrestle with this question: Do I truly treasure Jesus, or do I just transact with Him? Do I give Him what's costly, or do I manage my faith to keep things convenient? Do I bring Him my heart, or look for what He can do for me? Let's not be too quick to assume we're the woman. Sometimes, we come with motives that resemble Judas. We attend church, say the right words, maybe even give a little, but deep down, we're asking: What do I get out of this? And Jesus sees through it all. He always has. So ask yourself honestly: Do I see a Savior to love—or a Lord to leverage? #TreasureOrTransaction, #Mark14, #CostlyWorship ASK THIS: What did the woman's actions say about how she valued Jesus? Why did Judas's response to Jesus take such a dark turn? Are there ways you've treated Jesus more like a transaction than a treasure? What's one costly act of devotion you've been resisting? DO THIS: Write down what you're most tempted to pursue instead of Jesus. Lay it before Him today. Choose to treasure Him over everything else. PRAY THIS: Jesus, I don't want to treat you like a transaction. You're not a means to an end. You're the treasure. Help me worship like you're worth everything—because you are. Amen. PLAY THIS: “Alabaster Heart”

Casa CEO Nick Neuman argues Bitcoin needs self-custody adoption to survive long-term. Without transaction fees from edge users, mining could become unprofitable, risking network security and potentially forcing protocol changes.Nick Neuman, CEO & co-founder of Casa joins us to talk about why Bitcoin's future depends on self-custody adoption. Neuman argues that without users holding Bitcoin "at the edges" and generating transaction fees, mining incentives could collapse, potentially forcing changes to Bitcoin's 21 million supply cap or pushing institutions toward proof-of-stake alternatives.Subscribe to the newsletter! https://newsletter.blockspacemedia.comNOTES:• Casa founded in 2018 to enable self-custody• Coinbase holds 2.8 million Bitcoin today• Transaction activity lower than 2018 levels• Bitcoin block reward halves repeatedly over time• Mining unprofitable without transaction fees• 2140 deadline for block reward depletionTimestamps:00:00 Start02:38 Self custody & Bitcoin survival07:25 Held at the edges11:26 Fees a& codes changes17:55 Memetic death spiral21:00 layer 226:12 Self custody adoption30:48 Changes to improve self custody33:35 Education-

In this honest and heartfelt episode, Pastor Craig Stephens sits down with Worship Pastor Josh Bramos to explore the transformation of a prayer life. Josh shares how his journey with prayer shifted from something transactional—asking and hoping for results—to something relational, where he now experiences it as a two-way dialogue with God. Through personal stories, biblical insight, and practical encouragement, this conversation invites listeners to discover a deeper, more authentic connection with the God who not only hears, but speaks.

Sherif Mityas, CEO, BRIX Holdings (Friendly's, Red Mango, Smoothie Factory + Kitchen, Souper Salad)

“Blessed are the poor in spirit, for theirs is the kingdom of heaven.” — Matthew 5:3In the final episode of our Financial Ethics series, we're tackling a message that promises health and wealth—but often leads to heartache: the prosperity gospel. Dr. David W. Jones joins us to unpack its dangers and point us back to a truly biblical view of blessing and provision.Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the co-author of Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. W. Jones and Russell S. Woodbridge.Faith Is Not a TransactionOne of the most dangerous ideas in the prosperity gospel is that faith guarantees financial prosperity. It treats faith like a force—a tool believers can wield to compel God's blessings.But biblical faith isn't self-generated or transactional. It is a gift from God, a response to His revealed grace, and a means by which we trust Him, not a lever to gain wealth. Faith is “the eyesight of the soul”—deeply rational and rooted in the truth of who God is, not in wishful thinking or material expectations.Prosperity theology often preaches a “faith formula”: believe hard enough, and you'll be rewarded. But this distorts faith into a mechanism for personal gain. Hebrews 11:1 tells us that faith is “the substance of things hoped for, the evidence of things not seen.” It's not irrational optimism—it's a reasoned trust in the unseen promises of God.We should view faith not as a way to escape hardship or secure abundance but as a path of trusting God in all things, including suffering.The Problem with Escaping SufferingOne hallmark of the prosperity gospel is its aversion to suffering. But as Jones points out, suffering is part of living in a fallen world—and it's not something Scripture tells us to avoid at all costs. In fact, passages like 1 Peter 4:12 and 2 Timothy 3:12 remind us that suffering is to be expected for faithful followers of Christ.Rather than hinder our faith, suffering refines it. Suffering is the crucible of character. It's often through trials that we grow closest to Christ and are shaped into His likeness.God's Provision Comes Through WorkAnother distortion in prosperity teaching is the expectation of windfalls—blessings that come without effort. But God's design for provision is through work. From the beginning, humans were created to labor and create, reflecting the image of God.Working, creating, and flourishing through effort honors our design and brings fulfillment. Attempts to bypass God's design through get-rich-quick schemes ultimately violate our dignity and God's intended path for flourishing.Prosperity preachers often misuse Scripture to back their claims. One example is 2 Corinthians 8:9: “That though He was rich, yet for your sakes He became poor, that you through His poverty might become rich.”Taken out of context, it may sound like a promise of material wealth. But in its context, Paul is referring to our spiritual poverty and Christ's sacrifice to make us spiritually rich—context matters. Misreading Scripture to fit a materialistic theology distorts the gospel's central message.Giving as Grace, Not GreedProsperity theology often frames giving as a transaction: sow a seed to receive a harvest. But biblical generosity isn't about personal return—it's about grace.True giving flows from love for God and neighbor. We give not to get, but because we've already received so much. Our stewardship reflects our gratitude, not our greed. The heart of biblical giving is a response to God's grace, not a strategy for personal gain.Make your life about Christ, not your increase, not your own prosperity, but about flourishing in the image of His Son.That's the true antidote to the prosperity gospel. We aren't promised wealth, ease, or success. But we are promised Christ—and in Him, we find every blessing that matters.On Today's Program, Rob Answers Listener Questions:I'm 64 and planning to retire within the next year. I have approximately $10,000 that I won't need for income, and I'm seeking guidance on how to invest it wisely. I'm especially interested in options that align with biblical values and reflect my faith in the companies I support.My wife and I are approaching retirement. We're financially secure, and our home is fully paid off. One concern I have is not having long-term care insurance. I'm considering either a reverse mortgage or a home equity loan to cover potential long-term care expenses, but I'd like to understand the pros and cons of each option before moving forward.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. David W. Jones and Dr. Russell S. WoodbridgeUnderstanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Minnesota Twins ownership update! MLB Commissioner Rob Manfred is a confident a Twins sale will take place; Why has the Twins sale stalled out; Plus observations from the All-Star Game; Twins All-Stars Byron Buxton and Joe Ryan talk discuss trade rumors and more on the SKOR North Twins Show!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Minnesota Twins ownership update! MLB Commissioner Rob Manfred is a confident a Twins sale will take place; Why has the Twins sale stalled out; Plus observations from the All-Star Game; Twins All-Stars Byron Buxton and Joe Ryan talk discuss trade rumors and more on the SKOR North Twins Show!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Becca Rubenfeld, COO and co-founder of Anchor Watch, discusses the evolution of Bitcoin insurance and custody. She shares her personal journey to Bitcoin, insights on the economic implications of national debt, and how Anchor Watch addresses the need for insurance in the Bitcoin space. The conversation covers the technical aspects of Bitcoin custody, the claims process, and the costs associated with insurance policies. Becca also highlights the importance of custom solutions for companies and the future of Bitcoin insurance in corporate adoption.Takeaways

Send us a textKrista Mayshore shares her journey from being a solo agent closing 154 transactions in her final year to becoming a full-time coach with over 1,000 students nationwide. She reveals how she creates her own economy regardless of market conditions.• Maintaining a small number of transactions annually to ensure her coaching remains practical and current• Creating consistent video content as the foundation of real estate marketing success• Learning proper distribution methods since less than 2% of organic content is actually seen• Implementing "digital location domination" through neighborhood-specific marketing funnels• Differentiating yourself when 74% of agents didn't sell a single house in 2024• Using attraction-based marketing instead of traditional cold-calling and door-knocking• Overcoming the fear of being on camera and recognizing its power in building relationships• Leveraging the shared experience of how real estate saved them during personal hardshipsGet your free ticket to Krista's virtual event at kristamayshore.com/freeseat where she teaches social media, video, sales funnels, and marketing strategies to dominate your area. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!