Podcasts about watc

Send us a Text Message.Lee and Simon talk about perfume and where to put it.Some other details from the episode: being overwelcomed, being taken out for dinner, saying thank you and please so much, Lee's shock collar to stop him saying bad words, language being amazing, Lee's Cult Beauty notifications, Lee wearing perfume (in layers), Simon not wearing perfume, half-chubs, more and more about perfumes and where to put them, Simon's summer scent: DEET; Ffern, the rigour of Lee's perfume profile, aluminium under your arms, Lee being a ledger member of Ffern, Men's Health, ketosis, Simon not having a very strong bodily smell, not going near underpants, brands of underpants, Brown Stitch (clothing repairs in Coventry), little holes in merino clothing, being comfortable, WATC studio and their blank t-shirts, Simon's t-shirt size and no one is listening anymore because this podcast is just us chatting, Susan (Ellis) the content queen, Lee's new chest of drawers, not having a sense of smell, Lee's colleagues telling him he smells good, touching on consent, and consent before touching. Get in touch with Lee and Simon at info@midlifing.net. ---The Midlifing logo is adapted from an original image by H.L.I.T: https://www.flickr.com/photos/29311691@N05/8571921679 (CC BY 2.0)

The Inside Running team of Digby Beacham, Scott Embry and Michael Heaton share their insights for the nine race card on WATC Derby Day at Ascot this afternoon. Inside Running, every Saturday morning from 8 o'clock.See omnystudio.com/listener for privacy information.

In episode 1 of season 4 of Bourbon With Friends. We head on site to the amazing Watch Hill Proper in Louisville Kentucky. Watch Hill Proper is Louisville's bourbon and dining destination. Located in the Norton Commons community, Watch Hill Proper offers an unparalleled experience. While they have the most extensive menu of American whiskeys and the largest bourbon collection in the country, they offer so much more such as carefully curated wine offerings, world class cocktails and an elevated dining experience with the highest level of service. Check them out at https://www.watchhillproper.comSponsor: McTavish SpiritsDiscover McTavish Spirits' 7-year-old Bottled-In-Bond bourbon and their new Straight Kentucky Rye Whiskey, available for online purchase in the USA and UK. And in Retail Stores in Kentucky, Texas & Wisconsin in November. Visit www.mctavishspirits.com for details.Connect with McTavish Spirits on social media: @mctavishspirits (IG, Twitter, Facebook).Use promo code bwfpodcast for free shipping on your order!Follow us on Instagram @bwfpodcast

In this podcast, Pastor Justin preaches into how we all must be careful and vigilant not to be a Zealous King and still slip into being a Passive King in critical moments.Support the show

Today Karl & Vinnie make their nominations for biggest creep in the MotorCity of Detroit: in this edition of WATC we listen to a true crime show that claims if you don't love their show, you don't love America: This week's Scum Parade we meet a woman with a party in her pants, a horny Doctor, and a meet a man who left a butt voicemail.The score is currently Vinnie 4- Karl 2, visit thecreepoff.com to vote and decide this week's winnerCheck out the Scum Parade stories: Indiana woman allegedly hides drugs in private parts, fakes heart attack when police grow suspicious (yahoo.com)College professor with clown fetish' asked to paint students' faces for cash, extra credit (nypost.com)Balding bloke, 31, with bushy beard 'posed as school student to have sex with teen girl' - Daily StarClay County man who recorded murder on voicemail sentenced to 85 years (mywabashvalley.com)Want to support the show? Find us on Patreon, Supercast & Backed.by to get exclusive merch an extra bonus episode every week! 

Warhammer Meta Chasers is a weekly competitive Warhammer 40k hype show.  We run down some of the biggest and best events coming up this weekend where we discuss Warhammer 40k Factions in attendance and highlight army lists from some of the top ranked players around the globe. We talk about what the meta is, what it will be and how you can stack up against it. The show is hosted by Paul Murphy, Adam Camilleri, and Dustin Henshaw. The show runs LIVE every week on YouTube around 9pm EST every Thursday.  We sincerely invite you to join us in chat if you can make it.  The show is pushed to the Podcast aggregators soon after!  We have an amazing chat community.  Check out our Patreon here: https://www.patreon.com/WarhammerMetaChasers Join us live each and every Thursday on YouTube and join in our awesome chat community. Want to message the show another way?  Hit up Paul on twitter @warmaster_tpm or on Instagram @fightswithdic

Today Karl & Vinnie pick on people in better shape than them, Personal Trainers: In this edition of WATC we meet a married couple, who are thrilled they recently got 10 tiktok views!: This week's Scum Parade features an amazing teacher, horny siblings, and a mother who is only guilty of making her son stand up for himself. The score is currently Vinnie 3- Karl 1, visit thecreepoff.com to vote and decide this week's winnerCheck out the Scum Parade stories: Wisconsin Teacher Accused of Sexually Abusing Student, Buying Him Gun (frontpagedetectives.com)Del City man arrested for second-degree murder and incest after fatal incident | KOKH (okcfox.com)Alabama man learned he had STD before he allegedly killed teen mother at Florida Home Depot: Report - al.comMan convicted of 2021 double homicide, attempted murder in Pecos (krqe.com)Want to support the show? Find us on Patreon, Supercast & Backed.by to get exclusive merch an extra bonus episode every week! 

Today Karl & Vinnie make their nominations for the creepiest cruise line worker: in this edition of WATC we discover the bizzarro Karl and Vinnie…the Florida Girlies: This week's Scum Parade features a couple of passionate Stevie Nicks fans, a horny Doctor, and a woman who found a quick way to get a head! The score is currently Vinnie 2- Karl 1, visit thecreepoff.com to vote and decide this week's winnerCheck out the Scum Parade stories: Ala. man accused of trying to run over elderly woman with lawn mower | Truecrimedaily.comDr. Sudipta Mohanty masturbated in front of girl: Feds (lawandcrime.com)Duck decapitated during deranged domestic dispute (nydailynews.com)Las Vegas woman Devyn Michaels, 45, is accused of chopping her boyfriend Jonathan Willette's head off 'after he tried to force her to perform sex act on him' | Daily Mail OnlineWant to support the show? Find us on Patreon, Supercast & Backed.by to get exclusive merch an extra bonus episode every week! 

In this episode, Karl and Vinnie nominate the creepiest zookeeper of all time. Karl also brings the dorkiest podcast in the history of podcasts to WATC. And in the scum parade, we meet an upset restaurant patron, a very expensive getaway driver, and some people from Syracuse.The score is currently Vinnie 2/Karl 0 visit thecreepoff.com to vote and decide this week's winnerCheck out the Scum Parade stories: Chicago man who tried to force boisterous restaurant patrons to pay for his meal at gunpoint gets 10-year sentence - CWB ChicagoGunman flees in motorized wheelchair after shooting man to death in Greenspoint area (click2houston.com) Police say Pa. woman took 220-mile Lyft ride to shoot couple fostering her biological daughter in Kennedy Township | TribLIVE.comGroup kidnapped and tortured Syracuse man for days to steal his disability checks, prosecutor says - syracuse.com Want to support the show? Find us on Patreon, Supercast & Backed.by to get exclusive merch an extra bonus episode every week! 

A new MP3 sermon from DTBM, International is now available on SermonAudio with the following details: Title: MOI-30-d - JOIN ME AT THE FOOT OF THE THRONE OF GOD--STANDING ON THE CRYSTAL SEA WATC Subtitle: Short Clips - Meet The Real Speaker: Dr. John Barnett Broadcaster: DTBM, International Event: Sunday Service Date: 7/11/2023 Length: 3 min.

This week Karl is on game point and Vinnie's back is against the wall. Join them as they shine a light on the creeps who hang out by the pool by presenting their picks for creepiest lifeguard of all time: today we skipped WATC and instead we watch a video from Code Blue Cam on YouTube in which a lovely lady simply attempts to stand by her man: In the Scum Parade we meet an armed robber with romantic ambitions, a “cool mom” who loved her son too much and the biggest dork ever. Want to support the show? Find us on Patreon, Supercast & Backed.by to get exclusive merch an extra bonus episode every week! Check out the stories here:  Indianapolis woman robbed at gunpoint then asked out by robber on social media (wrtv.com)Man who stormed Windsor Castle with bow 'sexted with AI girlfriend before setting off to kill Queen' | The SunRudy Farias mother kept him as sex slave for 8 years after he was reported missing, counselor says | Daily Mail Online'Cannibal' Mexican husband 'killed his wife, ate her brains in tacos and used her skull as ashtray' | Daily Mail Online

ProphecyUSA host Rick Pearson is interviewed on Atlanta Live with John and Nakita Citizen. of Watchmen TV. John asks Rick specific questions of why He has come to America what is the prophetic word that God is trying say through his ministry.

ProphecyUSA host Rick Pearson is interviewed on Atlanta Live with John and Nakita Citizen. of Watchmen TV. John asks Rick specific questions of why He has come to America what is the prophetic word that God is trying say through his ministry.

Introduction to practical ways of living right now walking in God. Watc for part 2 a Bible study to build on the intoduction.

Despite Ascot's small fields the "Perth Racing Guru" Terry Leighton, BJ Ryan and 'Pistol' Pete Anthonisz still managed to produce 1 hour and 50 minutes of #WAracing goodness on this WATC Derby edition of The One One. Catch the news, views and previews on the latest edition of your WA Racing Podcast.

Despite Ascot's small fields the "Perth Racing Guru" Terry Leighton, BJ Ryan and 'Pistol' Pete Anthonisz still managed to produce 1 hour and 50 minutes of #WAracing goodness on this WATC Derby edition of The One One. Catch the news, views and previews on the latest edition of your WA Racing Podcast. // Chapter Markers // • 0:00 WA Racing News • 19:27 Saturday's Preview • 23:46 Witten's Track Report • 26:14 Race 1 • 32:43 Race 2 • 35:08 Race 3 • 39:07 Race 4 • 44:11 Mastermind • 47:24 Race 5 • 1:08:09 Race 6 • 1:19:53 Race 7 • 1:25:17 Race 8 • 1:31:12 Race 9/Get Out Steaks • 1:39:58 Betfair Best Betting Propositions of the Day, Maddies & Lays

In this episode, I interview Jonathan Morgan AKA Fancy Lad. Some of my favorite highlights from this interview include: Fancy Land his path to IATC 2020 staying out until 4am the night before WATC 2020 quoting Robin Williams' Hook the stolen car story Photo credit: Jesse Hummel AKA Throww

Ayana McDonald is a singer, songwriter, and member of the Grammy Nominated & Stellar Award-winning group JJ Hairston & Youthful Praise, she has been featured on numerous platforms including The Trinity Broadcasting Network (TBN), ABC Networks BET, The Word Network, The Impact Network & WATC and Fox. Ayana has opened shows for and performed with Grammy Award winning artists across various musical genres including Isreal Houghton, Karen Clark Sheard, Kim Burrell, Gloria Estephan, Wess Morgan, Michael McDonald and the Yellow Jackets and more. As an actress she has been featured in musicals and on the big screen, alongside gospel legend Shirley Murdock in the hit stage play “Torn Between and Tyler Perry in his motion picture “Madea's Family Funeral”. She is a licensed and ordained minister with over 20 years of experience leading and managing teams in She also served as a member of the National Coalition of 100 Black Women, as a key member of the Public Policy and Economic Empowerment Committees and Co-Chair of the NCBW Legacy Girls Program to advocate for African American women and girls across the country. Most importantly, she is the founder and visionary of Kingdom Girls Rock, a non-profit organization whose mission is to empower rand impact the lives of women, motivating them to excel in every area of their lives. Through the work of Kingdom Girls Rock, hundreds of women have received educational resources, tools and community services throughout the state of Georgia. Her heart is for the people as she works to impact the lives across the globe. About Je Vaughn Show Je Vaughn Show is a weekly talk show hosted by Dallas based Conversationalist JeVaughn. Je Vaughn Show specializes in introducing the audience to talented independent and experienced creatives. Segments on the show have include singing showcases, trivia contest, and advice for building and strengthening relationships. Je Vaughn Show guest have included Grammy Award winner CeCe Winans, Bishop J. Drew Sheard (presiding bishop of the Church of God in Christ), Industry Veterans Martha Munizzi, Jekalyn Carr, the Locketts, Mali Music, and Candy & Peaches West. In addition, Faith-based influencer Marquis Jelks, Gospel Guru, and other up and coming artist such as Naomi Raine (Maverick City Worship), Casey J (Fill Me Up), Tiffany Boone, and Jabari Johnson as well as Sunday best alum Latice Crawford, Jessica Reedy, and Maurice Griffin have also experienced an opportunity to be interviewed on Je Vaughn Show. Je Vaughn Show has been featured in many publications including ELEV8 Magazine and RYZE Magazine while earning honors for excellence for media and communication. Je Vaughn Show streams on YouTube, Facebook, Instagram. Past episodes will soon stream on Amazon, Samsung TV, and Spectrum TV. An audio podcast of the show appears on all podcast distribution channels including Apple, Spotify, and Google Podcast platforms. Je Vaughn Show is produced by JVM Productions and distributed by iDream Media. #jevaughn #jevaughnshow #melissabethea #gospelmusic #Dallas #Houston #Nashville #faith #dove #Stellar #podcast #God #love #joy #viralvideo #podcasting #podcastlife #contentcreator #idreammedia #chicago #winans #christian #christiansongs #newrelease #viralshorts #snippet #podcastshow #facebooklive #facebookreels #instagramyoutube #tiktok #tiktokvideo #tiktokviral #facebookpost #instagramstory #youtuber #youtubechannel #AnayaMcDonald #Anaya #YouthfulPraise #Youthful #Praise --- Send in a voice message: https://anchor.fm/idream/message

In this episode, I interviewed the 2022 WATC Hatchet champion, Dylan "Sweet" Teets. Some of my favorite highlights from this episode include hearing about: Being a musician/performer (percussion/juggling/dancing/etc) Being a model Going to school to be a sign language interpreter Practice Routine Throwing the First 46 in WATL Big Axe competition Competition Mindset Photo Credit: Dakota Unrau of Daksthetics Media for the World Axe Throwing League

In observance of Valentine's Day Karl & Vinnie have decided to celebrate true love by making their nominations for creepiest couple: This week's WATC segment proves that Candian true-crime podcasts suck too!: In the Scum parade we meet a girls basketball coach who can't do or teach, an Egyptian goddess and a British man who does not mind sloppy seconds.Check out this weeks stories: A Virginia assistant HS basketball coach impersonated a 13-year-old player, leads to multiple firings (yahoo.com)Pa. woman who claims to be 'Egyptian goddess' accused of setting home and chicken coop on fire, killing 1 | Truecrimedaily.comHomeless man accused of raping A-level student said 'she had the time of her life', court hears | Daily Mail OnlineMom's ex-boyfriend killed 12-year-old girl, hid body in basement freezer: police - pennlive.com

In this episode, I interview Colby Dean, who took 2nd place in Hatchet at the 2022 WATC. Some of my favorite highlights from this interview include: Colby being a 4-time state champion wrestler Colby singing Rick Astley's Never Gonna Give You Up to himself on ESPN How your height affects your throw 2022 WATC The BIZNIZ Photo Credit: Dakota Unrau of Daksthetics Media for the World Axe Throwing League

In this episode, I interviewed 2022 WATC Head Judge, Tabitha Fisher. Some of my favorite highlights include hearing about: Dogs Owning a venue Judging Ohio food (pretzels/pierogi/kielbasa/buffalo chicken dip) Photo credit: Jesse Hummel of Throvv

In this interview, I get to know Zach "Zeus" Crawford, the 2020 WATC Big Axe Champion. Some of my favorite highlights included hearing about: WATL Team Melee Valkyrian Steel The bull/killshot shrinking overnight for the 2020 WATC finals Photo credit: Jesse Hummel/Throvv

On this episode of 40k Frontiers the crew discuss a bunch of recent around AUS and NZL including but not limited to TNA Open, WATC, and NZTC. The crew also discuss upcoming events including Krootcon, VTC, and MOAB Don't forget, if you have any questions for the hosts or would like to highlight your own event/ area. Please reach out to us by commenting down below or messaging us directly :). Want some Merch? Consider purchasing apparel, swag, and other accessories from: https://www.bestintabletop.com/store Want to join the best discord in 40k? Join the Best In Tabletop Network Discord, for $10 USD per month. https://www.patreon.com/m/bestintabletop If you want access to the member's only area of Youtube for additional and behind the scenes content, join the Youtube premium area of Best in Tabletop Network. https://www.youtube.com/c/BestinTabletop Want both? You can join for $15 USD a month by subscribing on https://www.youtube.com/c/BestinTabletop Relevant Links: Twitch Stream for this weekend: https://www.twitch.tv/scottyd49 Objective Secured : https://www.facebook.com/objectivesecured Kraken Kast talk on New Zealand Team Champs: https://www.facebook.com/krakenkast The Normal Blokes talking about The Northside Alliance Open and WATC https://www.facebook.com/TheNormalBlokes Contact Lost on Norwegian Event: https://www.youtube.com/watch?v=ooeWVo1aFSQ

On Episode 115, Dineeth and Liam talk to Pete Platell and Mitch Byrne about their path to victory at the WATC 2022! Liam also played at the event, following his crusade with the Necrons over at WTC – have a listen to see how their rounds went, as the guys also talk about the WA … Continue reading Episode 115 – WATC 2022 →

Both coasts of the mighty Oz are in attendance this week with WATC and TNA Open plus we head to another hellscape for some Arizonian Smiting!   And if you want to pick up any new products and also want to support the show, please use our affiliate link. We would really appreciate it. https://store.frontlinegaming.org/?ref=8G2vwe6o   LIVE THURSDAYS at 9PM EST / 6PM PST!   Sub on Youtube https://bit.ly/3pYAexO Follow on Twitch https://www.twitch.tv/frontlinegaming_tv Like us on Facebook https://www.facebook.com/FrontlineGaming Or listen wherever quality podcasts are found!   Host: Paul Murphy Twitter: @warmaster_tpm Instagram: fightswithdice Forge The Narrative Podcast   Co-Hosts: Adam Camilleri Art of War Downunder Podcast   Dustin “Dusty” Henshaw Stud or Scrub Podcast https://www.twitch.tv/studorscrub   Produced by: The Ghost of Dicky Edited by: Val Heffelfinger Special thanks to: Kelsey Grammer

Analizamos los cambios anunciados por Jay Monaham tras la reunión de los golfistas mejores ranqueados la semana pasa en Delaware. Además la nueva iniciativa de Tiger y Rory que promete innovación, la dolorosa lesión de Will Zalatoris, el camino al Match Play del World Wide Technology at Mayakoba y el arranque del Mundial Amateur con presencia mexicana.

In this episode, I interviewed Lucas Johnson. I learned that Lucas has done over 500 escape games, some of the the challenges of owning an axe throwing venue, simulating a cold start in practice, and more.

Huskers on the Award Watch-list-Brian Buschini has been named to the Ray Guy Award watch-list. Ochaun Mathis was put on the Bronko Nagurski watch-list. -Luke Reimer not getting enough attention?

Watc your children closely at all times. Know what they do, where they go and who they walk with.

Will God answer your prayer if you don't end with, "In Jesus' name, Amen?" Learn what praying in the name of Jesus really means. I taught this week on the call of Abraham and the development of God's missionary call through the nation of Israel as they were responsible to communicate the truth of God to the cultures around them. They were given that great commission. The great commission didn't start in Matthew 28. It started with Abraham in Genesis 12 —the first three verses there —Abraham, chosen by God to raise up a nation who would then be God's priests to the world so that they would be a blessing to all of the nations. They had a unique role in the great monotheistic religion. The Jews were supposed to reflect morality to the world. Israel was to witness to the name of God. When they talked about the name of God and witnessing to God's name, that does not mean that they were to let everybody know what they called God, "Yahweh." Their goal wasn't to cover the countryside with evangelists who just let everybody know what the right word for God was. It meant something different. ☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆ ☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆https://linktr.ee/jacksonlibon-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- #realtalk #face #instagram #amour #take #couple #dance #dancers #vogue #voguedqnce #garden #tiktok #psychology #beyou #near #love #foryou #money #ForYouPizza #fyp #irobot #theend #pups #TikToker #couplegoals #famille #relation #doudou #youtube #twitter #tiktokers #love #reeĺs #shorts #instagood #follow #like #ouy #oyu #babyshark #lilnasx #girl #happybirthday #movie #nbayoungboy #deviance #autotrader #trading #khan #academy #carter #carguru #ancestry #accords #abc #news #bts #cbs #huru #bluebook #socialmedia #whatsapp #music #google #photography #memes #marketing #india #followforfollowback #likeforlikes #a #insta #fashion #k #trending #digitalmarketing #covid #o #snapchat #socialmediamarketing

// Chapter Markers // • 0:00 WA Racing News • 27:07 Saturday's Preview • 31:00 Race 1 • 33:25 Race 2 • 41:06 Race 3 • 47:42 Race 4 • 52:50 Mastermind • 1:06:34 Race 5 • 1:11:42 Race 6 • 1:21:59 Race 7 • 1:29:43 Race 8 • 1:39:54 Race 9/Get Out Steaks • 1:53:16 Betfair Best Betting Propositions of the Day, Maddies & Lays

Preview Only: WATC Derby - Episode 122 by BJ Ryan & Terry Leighton

In this episode, Mike Philabaum talks about working at an axe venue, making handles, winning tournaments, and more.

In this episode, Joshua Russo talks about transitioning from wrestling to axe throwing, Valkyrian Steel Axe Throwing Club, competing at a high level, the mental aspect of competition, the Melee Championship Series, and more. Correction: During the podcast, I mistakenly said "IATC" when I meant "WATC." I apologize for the mistake and any confusion/frustration that may have caused. Photo Credit: Jesse Hummel from Throvv

We welcome YOU back to America's leading higher education podcast, The EdUp Experience! It's YOUR time to #EdUp In this episode, President Series #140, YOUR guest is Dr. Rick Muma, President of Wichita State University, YOUR host is Dr. Joe Sallustio, & YOUR sponsor is The Charles Koch Foundation!! Rick talks about why Wichita State University is the ONLY university in the state of Kansas that is growing. WSU was smart and they integrated/acquired the Wichita Area Technical College system to create the "GED to Ph.D." student path. To fill the need of employers in the region, students need to be trained with real-world experiences and the acquisition of WATC allows for that. Rick has one huge piece of advice for all leaders - keep your message simple and consistent. Rick lives in Wichita with his spouse, Rick Case. Case is the retired district director for the Farm Service Agency of the U.S. Department of Agriculture. They have two adult sons Drew & Collin & a daughter-in-law, Abi. Muma & Case are members of the WSU Foundation's Society of 1895. In 2011, they established Richard D. Muma & Rick A. Case Equality Scholarship in 2011 for students members of Spectrum: LGBTQ & Allies, a WSU student organization. Thank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp! Connect with YOUR EdUp Team - Elvin Freytes & Dr. Joe Sallustio ● Learn more about what others are saying about their EdUp experience ● Join YOUR EdUp community at The EdUp Experience! ● YOU can follow us on Facebook | Instagram | LinkedIn | Twitter | YouTube Thank YOU for listening! We make education YOUR business! --- Send in a voice message: https://anchor.fm/edup/message

Let's get down in the kitchen with some simple and refreshing meals as we team up and go live cooking!Hello from the studio! This week we are cooking live simple meals.  A kale wrap and kale smoothie today.  A watermelon vegan feta salad and a watermelon and banana smoothie.Watc the Episode at https://youtu.be/dSBHMUgC8Lo______________________________________________________________________________________________Join the Free Know Your Cholesterol Numbers Webinar: https://www.subscribepage.com/knowyou...Know Your Numbers Bootcamp: https://www.subscribepage.com/knowyou..._____________________________________________________________________________________________Vegan Watermelon Feta Salad

This is my first episode of my very first podcast. So apologies for any mistakes. This episode does not reveals the story but appreciates the genre, acting and climax of the movie.

Will Western Empire continue the Cerise And White's stranglehold on the WATC Derby? Can Clairvoyance bounce back after last week's shock defeat? Is it 'Derby' or is it 'Darby'? The "Perth Racing Guru" Terry Leighton, BJ Ryan and returning guest Michael Heaton get to work. Catch the news, views and previews on the latest edition of The One One — your WA Racing Podcast. // Chapter Markers // • 0:00 WA Racing News • 24:50 Saturday's Preview • 33:03 Race 1 • 36:31 Race 2 • 45:49 Race 3 • 53:20 Race 4 • 57:34 Mastermind • 1:01:41 Race 5 • 1:13:23 Race 6 • 1:18:55 Race 7 • 1:26:25 Race 8 • 1:38:02 Race 9/Get Out Steaks • 1:51:30 Betfair Best Betting Propositions of the Day & Maddies & Lays

Preview Only: WATC Derby Day - Episode 71 by BJ Ryan & Terry Leighton

Watch the FULL Video on YouTube: https://youtu.be/anh1KMmS8SQ Welcome to The Official Podcast Channel "#ConversationsWithNike" Join our Facebook Group here: http://facebook.com/groups/conversationswithnike/ to keep in touch with our daily talks. Listen to "Conversations with Nike" Podcast here: https://fanlink.to/conversationswithnikepodcast Join our mailing list for exclusive news updates: https://fanlink.to/conversationswithnike Visit nikeadeyemi.com to connect with me. Talk soon. --- Send in a voice message: https://anchor.fm/conversationswithnike/message Support this podcast: https://anchor.fm/conversationswithnike/support

Sandra Onal & Sherry Tatum/WATC TV Atlanta s home for Christian and family-friendly television, WATC TV is the home of many original series including Friends & Neighbors, Josh & Ashley, Seniors Today, On The Move With Joanna Ward, and Babbie s House. The station has been honored with numerous Angel and Telly Awards for its productions and […]

Sandra Onal & Sherry Tatum/WATC TV Atlanta's home for Christian and family-friendly television, WATC TV is the home of many original series including Friends & Neighbors, Josh & Ashley, Seniors Today, On The Move With Joanna Ward, and Babbie's House. The station has been honored with numerous Angel and Telly Awards for its productions and […] The post MARKETING MATTERS WITH RYAN SAUERS: Sandra Onal and Sherry Tatum with WATC TV appeared first on Business RadioX ®.

Our guest for today is Vanessa Vallely, Founder and Managing Director of WeAreTheCity.com, a non-profit organization providing resources and job opportunities for women across the United Kingdom and India. Vanessa throughout her career has advocated for equal opportunities for women in the workplace and provides resources for women to progress in their careers. Her advocacies and mission were recognized in 2018, receiving The Most Excellent Order of the British Empire.  Gear up! Get right into the episode and learn from Vanessa how women can leave a lasting legacy in the world! In this Episode: [00:01 - 09:04] Opening Segment I introduce and welcome Vanessa Vallely  Keynote speaker Gender equality advocate  Consultant for government and corporate organizations Vanessa gives background on her story  Influence from her mother working 4 jobs  Working at the tech industry  Relationships with people are crucial [09:05 - 21:51] Communicating Diversity and Inclusion Vanessa walks us through the beginnings of We Are The City Advocates equal opportunities for women Helps companies retain top female staff Trains women to advance in their careers Overcoming judgments from having a unique accent Taking elocution lessons  Listening to Queen Elizabeth II's speech Being proud of who she is Participating in Toastmasters Vanessa talks about the services offered by We Are The City Opening opportunities for women Training women to be in the leadership room Fostering diversity and gender inclusion in the workplace [21:52 - 32:50] Leaving a Lasting Legacy Unique communication challenges that women face Jobs that are too prescriptive Presentation of job opportunities for women Language being used for women  Launching her organization in another country Motivations for expanding in India Adjustments based on the Indian context A unique opportunity to forward their mission  Vanessa shares this amazing story about her book Included in the “40 things to do before I was 40” Leaving a lasting legacy for women empowerment Stay focused on your goal [32:51 - 44:37] Setting Expectations with the Family The most impactful conversation of your life?  Conversation with her English teacher and mentor  Pay attention to your LinkedIn profile  One communication skill you wish you had more of in the past?  Learning how to stop her mouth and engage her brain Listening  How to balance work and family “No talk about work” during family time Give time for your kids  Set expectations Who is the best communicator you know?  Her mother [44:38 - 46:56] Closing Segment How to find Vanessa Links below  Final Words Tweetable Quotes: “That LinkedIn profile is an opportunity for you to sell yourself. You're allowed to brag and boast a little bit.” - Vanessa Vallely “Work is important...but you can't get [the] time back with people.” - Vanessa Vallely Resources Mentioned:  Vanessa's book: https://amzn.to/3na8B1M (Heels of Steel) Email vanessa.vallely@wearethecity.com to connect with Vanessa. Check out her https://vanessavallely.com/ (personal website) and https://bit.ly/2KNH8pD (LinkedIn) and https://twitter.com/WATC_girl (Twitter) pages to learn more about her. Visit their https://workwithus.wearethecity.com/ (website) to know more about their work and https://wearetechwomen.com/ (https://wearetechwomen.com/) to get updated on opportunities for women in the tech industry.  You can connect with me on https://www.linkedin.com/in/gregricecxeffortgeek/ (LinkedIn), https://twitter.com/gregjrice (Twitter), https://www.instagram.com/gregjrice/ (Instagram), and https://www.facebook.com/gregory.rice.372/ (Facebook). Join https://www.facebook.com/groups/jointhecommunicationnation/ (The Communication Nation) and learn from others in the community. Feel free to email me at...

Ken & Jean Grady – Absolutely Gospel Music  Get To Know Ken and Jean Grady  https://youtu.be/Sxm8UmaUX7E   www.absolutelygospel.com › agm › tag › ken-jean-grady Award winning southern gospel television program Gospel Music Today has been added to the program schedule at WATC, Channel 57.2, in Atlanta, Georgia. You've visited this page 2 times. Last visit: 10/4/20   blackwood brothers today kengospel music productions gospel Television! Atlanta, GA, Louisville, KY, Bruce, MS, Phenix City, AL, Beaumont, TX, Atlanta, TX, Morrilton, AR, Waycross, GA, West Plains, MO, Blairsville, GA, Quincy, IL, Morganton, NC                                                                       ROKU! FFE TV, AllNations TV Radio! WOTG, WPIL-FM This week on Gospel Music Today! Guest Bill Shivers of Brian Free and Assurance, exclusive concert video with Clearvision Quartet and The Lesters, plus news, concert updates, and Jean's feature group. If you missed the show on television, you can watch online anytime at www.gospelmusictoday.com  

Celebrity Sam 2020-10-17 In this episode: HEATHER MCDONALD'S JUICY SCOOP: delusion is one of the strongest orignal powers. and heather has it. hate is another. david foster's wives diagram. justin martindale. he funnyfunny. CHRIS FRANJOLA: sex toy reviews! genius pure ultimate comedy. ET: wacko woman summary of bachelor. black+beigepink relationships always leads to a toxic discussion.... the terrorism against black people history....always is a toxic background....i caaaaaaaaan't. buy a beigepink husband on tv....ew E! ugh E! NIGHTLY POP : ew E! DAILY POP: ew WEHEAR: where are the upd? WHO WEEKLY: ugh,. comments.... drag vanessa hudgens....why... garth brooks...why THEY ARE NOT WHOOOOOOS. follow the rule! or concept....or just talk normal funny celebs....god. USWEEKLY: seduction of a sex rape cult (of rich beigepink women+ superman's allison mack) PEREZHILTON and booker: whine whiine whine nobody like perez everybody hates mario perez boooob booo obooboo booooo hooo hooo bobo boop pooo CLEVVER: not this week DLISTED: hm? i missed it. wait for it.... WENDY WILLIAMS: demi demo, i am team max ehrich, he's getting veryfunny. and demi is unstable as a dumb mess. rob kardashian should put his new hot sauce in his old sokks and throw them on his sisters. RINGERDISH DISHRINGER: ugh. wait. DAX SHEPARD: no PEOPLE TV: no __ WARNING. episode contains swear words __ ADS Opera Browser - www.opera.com/Browser anti climate change - www.atmosfair.de/de/spenden __ LINKS WHO WEEKLY https://feeds.megaphone.fm/who-weekly US WEEKLY http://www.podcastone.com/podcast?categoryID2=1944 WEHEAR https://feeds.megaphone.fm/pagesix leather, sorry, HEATHER MCDONALDS SCOOOOP https://www.omnycontent.com/d/playlist/aaea4e69-af51-495e-afc9-a9760146922b/ff8beffb-1630-4cb7-b6ab-ab0500158cbf/6f7e32bf-0df0-4d48-b501-ab0500158cc4/podcast.rss HOLLYWOODRAW https://hollywoodpipeline.libsyn.com/rss CRISS FRANJOLA https://www.spreaker.com/show/3232200/episodes/feed PEREZ and that other dude, booker http://www.podcastone.com/podcast?categoryID2=1699 DLISTED https://dlisted.com/feed/podcast/ CELEBRITY SAM https://anchor.fm/s/3b4bbf3c/podcast/rss __ Jokes of the week: Wendy Williams drags Demi Lovato. Demi vs max ehrich = team unstable overdose vs funny tragedy performance piece. teammax..... ööö... should win. Wendy Williams drags rob kardashian and his old socks and new hotsauce...hahh. honestly, it would be funny if rob put his new hot sauce in his old sokks and threw them on his kkardashian sisters. watch out kimkardashian. here comes rob's hotsauce.

Bonnie is on a mission to bring dance into your homes with her Queens! We find out why School of SOS was ready for the virtual revolution and the success of bringing fitness and dance online. Fingers crossed there is an audience to perform for again soon. Also on the show we bring you part of a panel hosted by David at the WATC conference on June 26th. To access all the content from this incredible event please follow this link: https://wearetechwomen.com/product/wearetechwomen-virtual-tech-conference-digital-pass/

Graeme is CIO at Williams F1 Team, and unlike many people is back in the office/factory! We talk about the impact of tech on motorsport and inclusion across STEM. Graeme is also a keynote speaker at the WATC virtual conference, being held on the 26th June. If you'd like to attend, click on the following link: https://wearetechwomen.com/conference/ Also joining me on the show is Sonya Barlow, founder of LMF Network, speaker and advocate, and also a moderator at the conference.

There is no better relationship that can help us walk through life, as our relationship with Christ. Secular relationships cannot give our souls what our Christ can give us. We can be confident in our lives with knowing Christ is there to offer hope and wisdom.

Our words matter, and how we use them. There are over 1 million words in our English language and the average person uses about 20,000. Jim explains how powerful they are.

This week I open up the phone line and take live calls from listeners in the style of a traditional radio call-in show.

NWe are aware that earthly trials testify to the fatherly discipline of God. These trials calls for a responsibility of endurance during these times of Christian character development that we suffer.

OUT NOW | Episode 20 Terry and BJ welcome special guest Dan Pearce — half of the powerful Pearce Racing training combination — concede the WATC Derby to Tuscan Queen, and sift through a massive Easter long weekend of WA racing. // Chapter Markers // • 0:00 Intro/WA Racing News • 4:43 Daniel Pearce Interview • 46:29 Sponsors • 51:03 Quick Look at Good Friday Meeting • 56:43 Easter Saturday preview • 57:52 Race 1 • 1:00:57 Race 2 • 1:04:32 Race 3 • 1:09:06 Race 4 • 1:16:08 Race 5 • 1:22:57 Race 6 • 1:29:33 Race 7 • 1:34:34 Race 8 • 1:38:53 Race 9 • 1:44:56 Race 10(Get Out Steaks) • 1:51:20 Best Betting Proposition of the Day • 1:52:38 Maddie • 1:55:46 Horses to Follow • 1:58:24 Horses to Follow & Top Notch Triallers • 2:01:35 Sign off

No great joy, no greater hope can we find than in Jesus. Knowing the life He lived on earth, and walked through things we walked through, we can find that hope and joy that goes beyond our understanding.

Prayer is an instrument designed by God that draws us into a relationship to Himself. Prayer will place us in the security and trust that God offers our lives. We end up, through prayer, into His loving arms.

Hey everyone, thanks for tuning in to the Tenn & Two podcast coming to you from Nashville, TN! On todays show, we got to sit down with our best bud OT from the Across Timezones Podcast and mastermind of the Watch The Bay Meetups! It's always fun to have OT on the show and we chat about what he's been up to lately, if his show will return and him joining in on our UK trip later this year! We had a couple of watch related questions sent in from listeners about grail watches so we all discuss our unlimited funds type of watch. OT's Rolex Explorer II is in the shop and he's borrowing a special watch from another friend, we get to hear his thoughts on this piece and much more!Check out the show notes for pictures, details and links on everything we talk about, on our website at www.tennandtwo.com and don't forget to follow us on Facebook and Instagram for all our latest news, post and giveaways! Don't forget to subscribe to our YouTube channel.If you have any ideas for the show, feel free to send us an email at info@tennandtwo.com. Also, If you liked this episode, please leave us a review on whatever platform you may be listening on, it really goes a long way and we love hearing feedback! Thanks again for listening and we hope you do enjoy the show! -Kat & Katlen

If you're a Christian, we can accept that we all are walking miracles. A miracle is an unexplained event that takes place in our lives. It's a way for God to bring witness to Himself, and raises the surprised factor in ours.

How great is God's goodness, and how abundant is God's goodness for those who fear you. God waits to pour out His goodness on His obedient children. Let's take courage of what God can do for us.

God's faithfulness means that God will ALWAYS do what He says He will, and will fulfill what He has promised. His faithfulness is not dependent upon our faithfulness to Him. He proves that he can certainly be relied upon.

Brokenness is a blessing, contrary to what most think. It serves to place us on a road to breakthrough. When being gracefully broken, it allows God to become strong in our weakness.

The control of one's own self behavior, actions, feelings and emotions are very important to our self growth, and walk with God.

They are back again! Starting his singing career at the age of 23, the lead singer has been in multiple groups, ending up starting The Avenues. Great singing and wonderful testimonies.

The End is Nigh! Travis, Ryan, and Dustin gush over the epic and incredible 9th episode of HBO’s Watchmen. What were Trieu’s true intentions? Did the egg trick work? Who is lube man!? We explore all of these questions and more as we heap praise upon this amazing series.Follow the the show on Twitter: https://twitter.com/WhoWatchesPodFollow the show on Facebook: https://www.facebook.com/whowatchespodcast/Follow the show on Instagram:https://www.instagram.com/whowatchespodcast/Follow Travis: https://twitter.com/TravisFishburnFollow Ryan: https://twitter.com/HarbjagenFollow Dustin:https://twitter.com/dustinmeadows

Thanks for listening to the Tenn & Two podcast!! On todays show, we're finally back in the Tenn & Two studio and catch up on the crazy past two weeks we've had. We chat a bit more on the new Seiko Prospex Alpinist Line and why I'm still not quite on board with them. We also talk about the new Omega James Bond watch and give our opinions on the new piece. We announce our Seiko 5 winner in this episode so be sure to tune in to find out who won the contest!! Check out the show notes for all the links to everything we talk about on our website at www.tennandtwo.com and don't forget to follow us on Facebook and Instagram for all our latest news and post! Check out our recent collab at www.hautix.com for more info and follow Hautix on Instagram. If you have any ideas for the show, feel free to send us an email at info@tennandtwo.com. If you liked this episode, please leave us a review on whatever platform you may be listening on, it really goes a long way and we love hearing feedback! Thanks again for listening and we hope you do enjoy the show! -Kat & Katlen

No one likes it, no one wants to accept it, but failure can be an advantage to you. Through failure, new opportunities can be revealed, and it certainly doesn't define us.

The Lefevre Quartet visit us again on the show today. It's been a great year for this quartet. Great singing, and great inspirational testimonies.

Things finally get blue as Travis, Ryan, and Dustin explore the 8th episode of HBO’s Watchmen. How does Does Dr. Manhattan have any free will? How did Angela fall in love with the most powerful being known to man? Why are the waffles important? We ask all of these questions and take a look at the past, present, and future of Watchmen.Follow the the show on Twitter: https://twitter.com/WhoWatchesPodFollow the show on Facebook: https://www.facebook.com/whowatchespodcast/Follow the show on Instagram:https://www.instagram.com/whowatchespodcast/Follow Travis: https://twitter.com/TravisFishburnFollow Ryan: https://twitter.com/HarbjagenFollow Dustin:https://twitter.com/dustinmeadows

Not only can we just be lazy, there are multiple forms of laziness. Laziness means inactivity, idleness, and others. One of the most crucial forms of laziness is not preparing your spirit by reading the Bible.

We welcome the Gold City Singers back with us today. This group constantly encourages people with song, social media and great ministering.

To wise in the fear of God and point yourself into the directions of God. Today, Jim gives hope and encouragement to those that are overweight.

A true legacy from the world of gospel singing, the Dixie Echoes. If you love that good old traditional sound of southern gospel. They been around for almost 60 years.

Adversity is a condition of misfortune, darkness, difficulty, shame or grief. In the middle of it, we want a fast escape because of its discomfort. But at the end, we can count it towards a step closer to God.

This group has stolen the hearts of many people across Georgia. It's very rare to find a young group that has come along, and create an mass amount of stir and enthusiasm in the industry.

Travis, Ryan, and Dustin introduce themselves and dive into the pilot for HBO's Watchmen. We discuss our familiarity with the source material as well as our excitement and intrigue venturing into this new series.

For Believers in Christ, there is a Double peace. There is peace for no other reason, than the sacrifice of Jesus on the cross. Find out what the double peace is all about.

One of the most dynamic quartets in gospel music today. If you like solid gospel music, such as the Oakridge Boys, Statler Bros, you'll love these guys.

God can do anything He wills to do, or anything that is consistent with His character. God will is as vast as his entire creation. His will brings His plan to past.

Starting his singing career at the age of 23, the lead singer has been in multiple groups, ending up starting The Avenues. Great singing and wonderful testimonies.

Starting off at the age of 23, the lead singer of Avenue started his gospel singing career. Singing with multiple groups, he ended up starting what is a wonderful singing group, Avenue.

Being self-centered in your life can be very destructive. Allowing Christ to flow through our lives, affords us the opportunity to decrease ourselves and allow Christ to increase. This will bring spiritual glory to God, whom deserves all glory.

Today the subject of money, and the problems with money is discussed. We gain friends, we lose friends over money. Let's get into what the Bible says about how money should be handled.

The Goodman family have been in Southern Gospel music for generations. The Goodman Revival showcases the daughter of Rusty Goodman. Watch the interview and listen to some great music.

A little bit of kindness goes a long way. Kindness may have different meanings to different people; a greeting from someone, a piece of pie, etc. But kindness always pays off.

One of Gospel music's favorite quartets as guests on the show today. They have become very well known and well respected in the legacy of Southern Gospel Music.

Has the word Impossible crossed your lips lately? The definition is anything being incapable of being done. But God, whom we serve, can remove the idea of anything being impossible.

One of southern gospel music's all time favorite piano players, Jeff Stice, is inspiring us with his talents.

Our soul will never die, as it lives throughout eternity. It is our hope, that after this message, you'll have a greater understanding of life and death.

The Inspirations are back. Since 1964, this group has maintained their sound throughout their time singing. The Inspirations will bless your soul.

Vanessa Vallely is an award-winning entrepreneur, she worked in the corporate world for more than 25 years before she opened her own business. She has perfected the art of networking and is one of the most successful networkers in the UK. She founded WeAreTheCity.com to create a platform for women to find success in their chosen fields, and has changed the lives of thousands of women. Listen in on this podcast to learn about: • The work ethic that her mother a drilled into her and which she has used to build her huge success • How Vanessa came up with a ground breaking idea and turned it from a dream into reality • Why the values you build your business upon are crucial to your success • Vanessa’s guidelines on how to overcome setbacks to keep the momentum going in your business • The real reason why some entrepreneurs are successful and why others aren’t • What to focus on to ensure you reach your goals • How to stand out as an expert in a crowded market • The key questions every entrepreneur must ask themselves to maintain continued growth • How to make networking fun, enjoyable and effective… this is the way to do it! Find out more about Vanessa at https://wearethecity.com/ Follow her on twitter: https://twitter.com/WATC_girl. Smash Your Income Glass Ceiling To Attract More Clients And Money… without doing more marketing! Click here for Free Video Training.

Welcome back again to Episode 7! Thanks for tuning in. This weeks episode focuses on the financial aspects of cosplaying and how to utilize Ko-fi and Patreon. We also finish on an interesting theory surrounding Light from Death Note. As always reach us at girls.get.nerdy19@gmail.com or on instagram.com/girls_get_nerdy.

Cotton is the crop that has shaped Georgia's landscape and economy for hundreds of years.

Alan Kelly chats with David Kearney, Director of Golf at Carton House about the preparation for the World Amateur Team Championships

(Matt 24:31)(Series:The End - Return of Messiah)

Topic: Can Banks Earn Revenues Helping Customers Reduce Property Taxes?? Date: May 24, 2017 Attendee and Guest: Kelly Coughlin, CEO, BankBosun; Jason Ziccarelli, CEO, StrydeSolutions, Intro: Kelly Coughlin is a CPA and CEO of BankBosun, a management consulting firm helping bank C Level Officers navigate risk and discover reward. He is the host of the syndicated audio podcast, BankBosun.com. Kelly brings over 25 years of experience with companies like PWC, Lloyds Bank, and Merrill Lynch. On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C suite officers, risk management, technology, and investment ideas and solutions to help them navigate risks and discover rewards. And now your host, Kelly Coughlin. Kelly Coughlin: Greetings. This is Kelly Coughlin, CEO of Bank Bosun, helping community banks with risk, regulation, and revenue creation. Community banks face enormous threats today. And I put these threats into three primary categories. I call them the three R's. Risk, regulation, and revenue. I've spent much of my 25-year career participating in the first two R's, risk and regulation. I worked for PWC and their internal controls and risk consulting area in the ‘90s. I was director of risk management for a number of subsidiaries of Lloyd’s Bank out of London in Minneapolis, and this included a trust company, mutual funds, broker dealer, investment management, and dealing with regulators in the US in the UK. But today I'm focused on the third R - Revenue. While banks face enormous threats and challenges from a risk management and regulatory perspective, the biggest threat they face is on the revenue side of the balance sheet. Rather, the income statement. Banks generate revenues and profits from two primary categories. Net interest income and non-interest income. The net interest margin has dropped from nearly 5% in the mid-90s to less than 3% in 2015. I don't need to tell you bankers that these fees are being compressed. Add to this compression the unfair competitive advantage that some non-bank financial companies get - credit unions and Internet companies. Every day I see expensive ads from Lending Tree and Quicken. Well, this just adds to the revenue threat. I am committed to helping community bank executives manage this. We set up a management consulting firm, BankBosun, with this singular purpose. There really is a two-pronged approach. One, get more market share of the deposit and credit business. And all the related revenues you can get from that without getting in the jam that Wells Fargo did. Those of you that are familiar with my vision and mantra is using audio messaging, especially locally based syndicated podcast programs, is the most effective and efficient way to get your message out. The second prong is generating more non-interest other income, and you can do this two ways. Generate more revenues from existing business lines or generate more revenues from new business lines. Certainly, generating more fee income from depository banking is a help. Those of you that have wealth management and trust know this is a big bonus to your revenues and profits, and capturing greater market share certainly will help with those business lines. Today’s interview is with Jason Ziccarelli, CEO of Stryde Solutions. In full disclosure, I've not met Jason personally, but I've talked to a number of companies and individuals that are using his solutions to generate fee income. Some of what Stryde does might not fit into the banking business model, but some of it will. I don’t think much of what he does competes with banks. Rather, it complements what banks do, and more importantly it allows the banker to get a few more crumbs from the client’s cake. I like the Tom Wolfe description used in describing his job as a securities trader. “We simply take a few more crumbs on the plates of our customers.” Stryde has business lines that sound like this: Credit card merchant audit. Work comp audit. Waste and recycling audit. Cost segregation. Property tax mitigation. WOTC, welfare work tax credit. Now, I'm not sure bankers really want to get into reviewing whether a company recycles and how much waste they generate. I'm just speculating on that, but helping some of their merchant clients that accept credit cards reduce their expenses and earn a fee to help without taking on any overhead to do this. Well, I'm speculating again. This might be something to talk about. So rather than to speculate further, I've asked Jason Ziccarelli to get online to talk about some of this. Jason, are you there? Jason Ziccarelli: I am, yes sir. Kelly Coughlin: How are you today, Jason? Jason Ziccarelli: I am well, thank you. Kelly Coughlin: Great. Jason, where are you right now? Where do you live? Where do you work? Jason Ziccarelli: I'm in Buffalo, New York right now. We live in Buffalo, New York. I'm kind of back and forth between our Buffalo and Fenton offices in Fenton, Michigan. So, I'll spend about one in three weeks in Fenton and the remainder of the time in Buffalo. Then on occasion, we get up to our vacation home in Alaska. Kelly Coughlin: Boy, you like the northern latitudes, don't you? Jason Ziccarelli: Well, when you're as round as I am, you like it where it's cold here. You get hot fast. Kelly Coughlin: That's great. Well, let's get right into it. Jason, you've got a bunch of different business lines. What is your mission and vision for Stryde, and is there a common value proposition for all of these different, somewhat unrelated business lines that you have? Jason Ziccarelli: Well there is, and the underlying concept or idea is simply opportunity. We work with lots of different individuals in a lot of professional backgrounds. They could be financial professionals. You mentioned of course the focus of your show, the banking world, and commercial realtors, business brokers, business consultants, legal professionals, tax professionals. They all see value in what we do and the opportunity to differentiate both they themselves from their competition and the services then that they're bringing to the table. Opportunity is the underlying idea behind everything that we do. When you see how we combine everything, what you'll see is the most comprehensive, synchronous service that exists in the business consulting community today. Kelly Coughlin: So, they all seem to be somewhat underserved service lines I should say. Credit card merchant audit, waste and recycling audit, cost segregation. I've been in consulting for better part of 20-plus years. I don't think any of us ever looked at these business lines. Are these kind of underserved, hidden sources of revenue for consultants? Jason Ziccarelli: Well, they are, and beyond a shadow of a doubt. In fact, it's not just the consultants that are missing the boat, of course. Then, it's the consumers that the consultants represent or work with that are missing the opportunity. If we look at the various categories, you mentioned a few of them. Let's talk about the merchant audit. I think that sometimes at first blush, folks can get confused and think that what we're going to do is come in and identify savings opportunity and change vendors. We're not a vendor. We don't change vendors. We don't associate with vendors. We are true business consultants and auditors. What we're going to do is, we're going to go in and do an 11-point, proprietary audit on the merchant processor that's being used and the fees that are being applied. We are almost universally darn near 100% of the time going to find errors, inconsistencies and even abuses as identified by the federal government approximately six years ago when they kicked out their last study on this topic and suggested that somewhere between $60 and $80 billion a year are erroneously taken from business owners by their merchant processors. We go after that. We get them their money back, and when we're successful as we are 100% of the time to date after 16 years of doing this, when we're successful we keep a percentage of our success, and that is exactly how we're paid in each and every platform. When you look at applicability and you reference an underserved market, we can go topic by topic and point out that in a work comp audit, we find opportunities 72% of the time. If we look at cost seg studies, these for example, less than 8% of all businesses out there that can engage in a cost seg study have actually taken advantage of it. R&D is less than six percent. It is absolutely an under-served market, one that we developed and exploded as a business consulting firm and have been servicing with the highest level of success, again, for the last 16 years. Kelly Coughlin: Okay. I want to dig into that a little deeper. Or as the media likes to say, I want to unpack that somewhat here. Let's make sure we're clear with our terms here. I'm a CPA, so I'm always sensitive to the use of the term audit. You're not doing an external accounting type audit. You're doing more or less an internal audit on behalf of the company, correct? Jason Ziccarelli: Yes sir, that's correct. We're were nonintrusive, non-disruptive in nature. The audits that we do tie up very, very little of the business owners time, that or of their staff or other associated professionals such as their tax firm. We're not looking to supplant or replace or usurp any of their current representation. We're going to work in conjunction with the representation. We're just going to do what they don't do. When we talk about opportunity, what it comes down to is this. Every single business owner in America, and there's 28 million privately held businesses in this country before we talk about publicly traded and Fortune 500 and so on and so forth. Twenty-eight million privately held businesses in America, and all the folks out there competing with one another to sell product or to do this or that. The one thing that every one of those business owners are after and for which there is little to no competition, is Refined Profit. Refined operational cost, tax mitigation, which then result in refined or enhanced profits. That's exactly what we bring them, and we do it on our dollar at no risk to them through our contingency based model. Kelly Coughlin: You used the term refined profit. Explain that a little better. Jason Ziccarelli: When we look at the businesses that are out there today, there's only a couple of ways to make more money. One way, of course, is to try to grow, and there is risk associated with that. There's downtime, there's infrastructural cost, there's all sorts of things that get in the way of that. Again, there's a substantial degree of risk. The other way to make more money is to refine costs. Now, there can be risks associated with that because sometimes the way we refine costs are layoffs and things of that nature. With our program, we're able to refine costs, mitigate taxes, accomplish all of that in that non-risk based scenario as a result of our contingency-based fee structure. One, we're not disrupting anything. Two, we're not changing the business model or business practices. Three, what we do in being non-disruptive, non-changing of vendors affords us the opportunity to provide the benefit at no risk to them. Kelly Coughlin: Got it. You threw out the term 72% when you guys do an internal audit of a work comp deal. Seventy-two percent have some money coming back to that. Let's say we've got a bank with 1,000 clients. Lend them some money, they do some traditional depository traditional banking services. How would a bank work with Stryde? I think I've seen some video that shows the primary way one of your customers works with you is, you have an app where many of the business lines are on this app, and the banker kind of answers a handful of questions on the app and basically, this qualifies the client as a good candidate for one or more of these services. Then, your team takes it from there. So, the bank doesn't really have to staff up for this. Is that a fair statement? Jason Ziccarelli: Oh, absolutely. It's a very accurate statement. Our platform is app centric. When we look at that, it's all based and built around our app which is our proprietary software. We built that in-house. It's not a modification or a white label of another system. We built it based on our years of experience and doing what we do. There's hundreds of thousands of in-house studies that went into the algorithm tied into that, and also in real time ties in with federal state and regional tax databases. It is a real time responsive interactive tool. There's a lot of stuff that goes into it. I won't bore you to death with that. Fundamentally, what we'll do is, we'll work with the bank to educate them solely on the application and use of the app. The app is a very, very simple tool to use. In fact, it was it was built with the idea that it had to be so simple that a child could run it. It actually is built such that a child can run it. You do not need to be an expert or even have moderate experience in the various services that the app represents to be able to run the app and to do so professionally. That's the key to all of it, to be able to do so professionally. What the app does, it uncovers various opportunities relative to the dynamics of the business and the activities that they're engaged in. It walks through what the opportunities look like or what the benefits could be to that business by engaging us, then moves into a discovery call option where they have the opportunity to work with our staff. In doing that, they can schedule real time right on the app. What the app does is, it looks at based on the answers to the questions, it looks at everything that that client will qualify for. It then looks to all of our in-office experts that would be appropriate to put on that call to address any potential questions, overlays all their calendars in real time and issues times for which all of those individuals will be available. So, at the click of a button. There's no multi-calendar coordination or anything like that. It's instantaneous and real time. It then goes back and walks through each and every one of the services with regard to what they are, how they work, what our fee structure is, images of existing and past clients, and then the dollar figure that's associated as far as the potential savings. Then, it moves into the contracting and document collection pages again, all of it fully automated. So you see, once you become familiar with that structure you don't have to be an expert in what we do. You don't have to step up. We support everything. All components of the application and execution and maintenance of our program and the service for the client. Kelly Coughlin: Okay. We've got a community bank, regional bank. The bank has 1,000 business clients. From what I can tell, many of your services are focused on cost reductions, expense reduction, correct?  Jason Ziccarelli: That is correct. Kelly Coughlin: Okay. They have 1,000 clients. They meet these clients periodically throughout the year. Maybe they're doing deposit business, lending. They would just meet with them on their recurring cycle. In this scenario, the bank would find the relationship, do the qualifying through the app and through discussions. You do some training with them, obviously. They complete the questionnaire and then they identify a property expense category. We come up with a $25,000 property tax expense reduction. Would that be looking backwards that they were overcharged and they are now entitled to a payment from the county for those property taxes? Jason Ziccarelli: No. Property tax is one that's on a go forward basis, so that's non-retroactive. Work comp is look back as well as go forward. Things like WATC are go forward. Cost seg studies, cost segregation studies. We can look back a little bit as well as go forward. R&D, we can look back a little bit as well as go forward, so it all depends on which services we're looking at as far as applicability and associated timeframe. Kelly Coughlin: So let's say it's a going forward one. How do you get paid on that? How does the banker get paid? How do you get paid? Let's say it's a cost reduction to $15,000. You get paid on the savings that they would experience over the next five years? How long does that last? Jason Ziccarelli: It's based on service. Each service is a little different and we have a very clear and outlined compensation schedule. Of course, working with an organization like a bank, we custom design exactly what products we're going to offer as well as the associated compensation schedule within our existing schedule. It's based on the service that's being offered. For example, if we did a cost segregation study we're never going to charge greater than 10% of the benefit to the business owner. A merchant audit, for example. We're going to charge 50% and we're going to do it for three years. And the associated advisor's going to get 30% of that. It all depends on the service, the service it’s going to impact. Is it a one-time fee, like a property tax audit? That's one time? Is it several years of repetition or is it is it perpetual in nature will it go on as long as a client? Each service has its own set of rules, guidelines, regulations, and then associated fees. Kelly Coughlin: Obviously on a property tax expense, if you find a $15,000 annual reduction, they're not going to pay that for 10 years. They might do it one time, I'm thinking, right? Jason Ziccarelli: That's correct. And what you look at there is, it's a fantastic return on investment. If for example we have somebody’s property tax reduced by $50,000 and you look at the fee doesn't come out of their pocket. They're already realizing $50,000 in savings, so they give us back $25,000 of that. In that example, 50% first year. It is not a burden for them, but if you look at that over say a 10-year time period, $50,000 savings over 10 years is a $500,000 benefit for an upfront cost out of the savings that we created. It's truly not even an out of pocket cost. Kelly Coughlin: You mentioned cost segregation. Tell us what that is. Jason Ziccarelli: Sure. Cost segregation is something that the IRS says, anybody that invested in, built, renovated a commercial property, if I if I bought a commercial property, if I built a commercial property, if I leased a commercial property and have modified it, I've spent money on engaging in enhancements, the monies I spend will traditionally be depreciated in a straight line model over 39.5 years. What the IRS says and what a cost segregation study says is that everybody should engage in one, and that's itemized deductions. What we're going to do is say, instead of depreciating the entire building, the gross costs associated with same over a straight line 39.5 years, we're going to segregate the components of that building into their own itemized appreciation schedule. One of the examples I give very frequently is that I pace a lot when I'm talking. As I'm talking to you right now, there's actually a pattern in my floor that you can see as I'm pacing. It's just my style. I like to move around while I'm speaking, and I wear out carpet very quickly. Well, here's an example of the argument. Carpets in general are going to last three to five years. If it's me, it's going to last a year and a half. But the point is, let's say it last three years. Within 39 years you then mathematically have replaced that carpet 13 times. Yet, if you depreciate the building as a whole, you're still depreciating the dollars allocated to that first round of carpet even though you're now on the 13th round. What we're saying with a cost seg study is, carpet is not going last 39.5 years, so we're going to put it on say a five-year depreciation schedule. Then, I'm going to look at your partition but I'm going to look at your plumbing and your wall, and PVC will go on a shorter depreciation schedule than copper will. Different grade wiring will go on a different depreciation schedule than one another. So, every item, every aspect of that building goes on its own depreciation schedule, and by virtue of that, you drastically accelerate the depreciation and put a great deal of money back in the clients’ hands today. It's something that has proven very, very successful for us over the last 16 years and every one of our clients have participated in it as we've put hundreds upon hundreds of millions of dollars in their pockets through this and others of our tax strategies. Kelly Coughlin: Now, that cost seg project, that seems fairly labor intensive, isn't it? You've got to really look at the granular assets that they have and in essence, what you're trying to do is reclassify them as expenses, right? Or instead of a five-year depreciation, three-year, but doesn’t that require quite a bit of detailed analytics to do that? Jason Ziccarelli: Very detailed analytics, and it's done on our side, on the client side. We're looking at getting copies that depreciation schedule and having some dialogue with their tax planner. On their side again, we talk about being non-disruptive nature. You're talking about a handful of minutes of time of that business owner and their staff. Whereas it's a lot of time on our part. But again, we go back to being non-disruptive for all the work that needs to be done. It doesn't tie up the time or energies of that business owner and/or their resources, their staff. So, all of that work is done on our side. Again, when you look at our structure and contingency based model, that's where we see such a high-level of adoption of our services within the business owner community. Kelly Coughlin: Right, but you guys do all the heavy lifting there. That’s part of the model? Jason Ziccarelli: Absolutely. Kelly Coughlin: Okay. Let's talk about worker’s comp audit. How do you find value there? Jason Ziccarelli: Well, there's a lot of different things that we're going to look at, but a good example, a very, very easy to understand example for anybody that's listening just not familiar with that is that all too often, you'll get an insurance agent because of the commoditized nature of the industry that really just wants to get a contract signed and move on to the next. They don't want to overly analyze it and jeopardize losing the opportunity. I'm not suggesting for a moment that they're not doing their job. But again, they specialize in the product, and there's a lot more to this as there is to anything else than just the product at hand. What can happen all too often is, you can get, again, it's just one example of many that we'll look at. You can have employees carry one classification that may or may not be appropriate and/or an employee carrying a classification wherein they should carry several. One of the examples I very frequently give is, let's look at a construction site. Construction is generally considered higher risk of various professions, so tends to be more cost associated with workman's comp. With that, we could have Mr. John Smith who's out in the field today. The work comp, the agent comes in and says, he's a laborer. Well, he very well may be a laborer, but he may be a labor for hours a day out of a 10-hour day, and another two hours he may be in the office bidding on work, and another two hours he might be in training to become a supervisor. Whatever the case may be, where he or she should carry multiple classifications that by virtue of that reduces the overall costs on he is an individual. Then, you extrapolate that out across all of the employees and all of a sudden, you find that you've been overpaying for an extended period of time, and not just overpaying for a period of time but that you will continue to overpay until these reclassifications are established. Again, as I said, that's but one example of the of the types of stuff that we'll look at. Again, in that case, I mentioned merchant audit this is darn near 100% of cases that we find inconsistencies, errors, and even abuses. In this case, it's approximately 72% of the time that we see overcharges occurring. Kelly Coughlin: So, you uncover that, and then there's sharing for a period of time. Either one time or a period of quarters or years. The entity is on its own. They get to keep all the savings from that, correct? Jason Ziccarelli: Exactly. Correct. As with all of our services, everything again is contingency based and performance based. We can go to work for the client on any one of these topics, and if we don't find a benefit, there is no cost. Kelly Coughlin: Okay. Then, the final one that I'd like to talk about is credit card fees. I don't know how many of the community banks and regional banks that are out there are actually earning credit card fees themselves. So, they could be a target of your internal audit. Or if they're not earning fees from it and they use credit card processing companies to do that work for their customers, then they or their customers could benefit from that. What's your take on that? Jason Ziccarelli: Well, you'll see in the banking world as you just said, there's various realities for the different banks and institutions that may be listening to this call. Some of those realities are that they're providing these services, at which point our offering same would be a conflict of interest. Under those circumstances, it would simply be omitted from the audit so it wouldn't come up. You'll have other institutions that are not offering those services and then could look at it as one of two things. One is, it is a good service to the client to find opportunity, provide savings, and again, facilitate benefit for that client. If it's an institution that does provide the service but is not doing so for that client, it's also a great opportunity to uncover and demonstrate that the folks they are using are not treating them as fairly as they should. And it then creates an opportunity for that bank to win over that business. Kelly Coughlin: Got it, interesting. Let's say a banker listening to this says, yeah, I'd like to get onboard with this or I'd like to explore it. I think you charge them $99 a month upfront on a recurring basis. They need to more or less assign a point person at the bank to be responsible for this business line. It seems like that point person could be a new banker -  one or two years out of college or something like that. It doesn't have to be the executive senior guy there, but you could appoint someone that would learn the product, get proficient in it, and then work with more senior bankers to get it rolled out to their customer base. Does that seem like a logical way to approach this? Jason Ziccarelli: That's the logical way. It is an incredibly easy thing to run. If it's a junior, brand-new member of the bank, they will have absolutely no problem. You see all ends of the spectrum and everything in between. Whatever the dynamics, whoever the personnel, the system will accommodate incredible opportunities and will be something that anybody can successfully learn, do so very quickly, and then exercise on a regular basis. Kelly Coughlin: That's terrific. I think that covers pretty much what I would like to do on this podcast. I'm going to recommend that any banks interested in this get in touch with me, and I'll help them navigate through you and Heather to make sure we advance this thing. Jason Ziccarelli: That would be fantastic. Kelly Coughlin: Okay. Jason thank you very much for your time. I look forward to working with you guys in the future, and let's see if we can help these banks generate an additional source of revenue so they can more effectively compete against the big banks and the big brokers out there. Sound good? Jason Ziccarelli: It does sound good. I look forward to working with you and all those on this call, and appreciate the opportunity. Kelly Coughlin: Thank you. Bye. Outro: We want to thank you for listening to the syndicated audio program, BankBosun.com The audio content is produced by Kelly Coughlin, Chief Executive Officer of BankBosun, LLC;  and syndicated by Seth Greene, Market Domination LLC, with the help of Kevin Boyle. Video content is produced by The Guildmaster Studio, Keenan Bobson Boyle. The voice introduction is me, Karim Kronfli. The program is hosted by Kelly Coughlin. If you like this program, please tell us. If you don’t, please tell us how we can improve it. Now, some disclaimers. Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant. The views expressed here are solely those of Kelly Coughlin and his guests in their private capacity and do not in any other way represent the views of any other agent, principal, employer, employee, vendor or supplier.

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