Podcasts about ACH

“When someone joins an organization, you're not just buying into the work; you're buying into the leader too.” - Jilly NowackiWelcome to episode 225 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jilly Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti, a leading payments fintech helping credit unions modernize money movement. Alacriti enables real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. Through a single cloud-native platform that connects to RTP, FedNow, Fedwire, ACH, Visa Direct, and Zelle, credit unions can progressively modernize without overhauling legacy systems. Learn more at alacriti.comIn this new 2026 season, Jilly and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.Following up on the first episode of the new 2026 season, we reflect on what leadership really looks like when you're living it and not just reading about it. Early on for both of us, building something from nothing made every decision very personal. People weren't just joining a company; they were trusting in us and the vision that we brought, and Jilly shares her own experience founding Humanidei and leading leagues, and we both explore the idea that when you hire someone, they're buying into more than just the work; they're buying into you as a leader and the philosophy that you bring. That alignment, we have found, can make all the difference in long-term growth and culture.We talk about the joy and the challenge of watching people grow. From employees stepping into new roles, achieving personal milestones, or moving on to other leadership positions, seeing that impact has been one of the most rewarding parts of our careers, yet it's easy to overlook these moments in the day-to-day hustle, and we explore why it's so important to recognize and nurture those “rock stars” and high-potential performers while gracefully letting go of those who unfortunately are not fully invested.We also dive into the weight of leadership, the balance between people and numbers, and how survival phases can make it especially difficult to hold onto joy. Both of us share personal lessons about the seasons of leadership and how knowing where to contribute at your highest value and building meaningful relationships inside and outside the organization can sustain inspiration over the long haul.By the end of our discussion, we land on one key truth: leadership isn't measured by metrics alone. It's measured by the people whose lives you have touched and the culture that you have fostered. We encourage leaders, whether you're a year into the role or decades in, to pause and ask yourself: who has grown because of your leadership? For us, that reflection is often the most rewarding part - and the part that makes us smile!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book ListSend us a text

Money is changing faster than most teams can update a roadmap. We sit down with Farooq Malik, Co-Founder and CEO of Rain, to unpack how stablecoins and tokenized dollars are moving from crypto headlines to the hidden plumbing of real payments - powering card programs, cross-border payouts, and embedded finance at enterprise scale.Farooq breaks down Rain's vertically integrated stack: pay-ins and payouts across ACH, wires, and Visa; support for dozens of stablecoins on 11 blockchains; and account logic that makes tokenized value feel like a familiar account, not a science project. We dig into a standout use case - a margin-backed credit card where each swipe triggers instant receivable financing in stablecoin - cutting working capital needs by about 80% and transforming the unit economics of card programs. He also shares how one API can issue regulatorily compliant products in multiple markets, letting global platforms pay creators, freelancers, and merchants in “international dollars” without stitching together country-by-country integrations.We explore the surge in institutional interest fueled by emerging regulatory clarity, the 30x volume growth Rain has seen in the last 12 months, and why broader rules could unlock 10x–100x adoption across the ecosystem. Farooq contrasts Rain's approach with reseller patchworks, highlighting the benefits of being a principal Visa member and owning the core of the stablecoin stack. Beyond stablecoins, we touch on open banking, the rise of global-first consumer apps, and how nomadic work patterns are forcing finance to follow people, not addresses.If you lead payments, product, or finance, you'll leave with a clear view of where tokenized money creates immediate value: better card economics, faster global disbursements, and simpler enterprise integrations. 

Ob jutrišnjem zvišanju zagotovljenih in invalidskih pokojnin ekonomisti opozarjajo, da gre le za kratkoročne popravke in ne sistemske rešitve, s čimer se nevarno približujemo izenačevanju v revščini. Kot dodaja Marko Jaklič, dolgoročno sistem ne bo vzdržen brez obljubljenih strukturnih reform. Drugi poudarki: - Zunanji ministri Unije znova o posojilu Ukrajini, pa tudi o nasilnem zatrtju protestov v Iranu. - Washington napoveduje začetek druge faze premirja v Gazi, ki predvideva razorožitev Hamasa. - Košarkarji Olimpije po napeti končnici izgubili v Benetkah, odbojkarji ACH-ja nemočni v Ankari.

Spencer Reese welcomes Ross Alcorn from Itinerary Boss https://itineraryboss.com/ to discuss credit card points and miles strategies, with special focus on small business owners. Ross shares how he saved $19,000 on his honeymoon, reveals tactical business spending strategies, and explains how military service members can leverage TDY travel and small business expenses to fund dream vacations. Guest: Ross Alcorn - Charlotte, NC-based travel strategist, former sales rep road warrior (6-7 years), real estate investor, and founder of Itinerary Boss. Key Topics Covered Getting Started - The Low-Hanging Fruit: Sign up for FREE hotel loyalty programs (Hilton, Marriott, IHG, Hyatt) Add loyalty numbers to TDY/TAD stays retroactively if needed Military discount: Epic Pass for active duty/spouses ~$200 (normally $1,200) Start with no annual fee cards to build credit and learn the basics Never carry a balance - if you're paying interest, you're doing it wrong Business Spending Strategies: Most common mistake: Using Amex Platinum for everything (only 1x points on most purchases) Capital One Venture X Business: Uncapped 2x points, no preset credit limit Cards earning 3-4x on ad spend (Facebook, Google ads) Use Melio (M-E-L-I-O) to pay vendors who don't accept cards via ACH (2.9% fee) Negotiate early payment discounts (net 15 vs net 30) to offset processing fees Millions in business expenses going uncharged to credit cards The 2.9% Fee Debate: Worth it if redeeming points at 1.5+ cents per point value Effective 25-40% cash back when factoring welcome bonuses + transfer value Business expenses are tax deductible Ross personally pays fees on all expenses knowing he'll redeem at 2-6 cents/point Real-World Example - $19,000 Honeymoon Savings: Cards used: Chase Sapphire Reserve, Capital One Venture, Chase Sapphire Preferred, Chase Ink Business Unlimited Flights: Qatar Q-Suites business class using 200K points (Chase + Capital One) Stayed 11 nights using Hyatt points at Alila properties in Bali Built point stash over 1-1.5 years through group travel booking + daily spend + business welcome bonuses Strategy: Booked award availability 355 days out when British Airways/Qatar released schedules Flexibility: Mixed business and premium economy on return flight Transfer Partners & Redemption: NEVER redeem for Amazon gift cards, statement credits, or low-value portal bookings (0.6-0.7 cents/point) Transfer to airline partners for 2-6+ cents per point value Don't use Amex points for hotels (poor value) Example: 175K Amex points = potential $12,700 business class seats to South Africa Tools: Points.Yeah.com for flight availability and award searching Military-Specific Advantages: Overseas duty stations = less competition for award space (Frankfurt, Tokyo, Seoul) Different inventory than US-based flyers TDY/TAD stays earn hotel points and elite status Annual fee waivers on personal cards (not business cards) via MLA/SCRA Chase Sapphire Reserve: $0 annual fee for military/spouses Strategic Tips: Always volunteer to pay group bills/dinners (earn points, get reimbursed) Premium economy fine for daytime flights under 8-9 hours Business class essential for overnight/long-haul flights (9+ hours) Plan 1-2 years ahead for big trips - comfortable pace to build points Opening velocity: Ross did one card every 91 days at peak (very aggressive) Combine household points (Chase, Amex, Capital One allow this) Book tickets in anyone's name, not just your own Credit Card Stacking Strategy: Don't use one premium card for everything Match card to spending category for maximum points Chase "cash back" cards earn Ultimate Rewards points if you have Sapphire Reserve/Preferred Transfer between household members before booking Welcome bonuses are the real value - daily spend is bonus Business Culture Hack: Instead of $5-10K cash bonus, give employees 500K miles + book their dream trip Tax deductible, builds culture, retains talent More memorable than cash bonus IHG Five Free Nights Strategy: Five free nights at properties up to 60K points/night Ross staying 4 nights in Grand Cayman at $800/night hotel = $3,200 saved Fourth night free on award bookings Anniversary free night each year Used for wedding block, earning 26x points on wedding expenses Common Mistakes to Avoid: Not asking vendors if they accept credit cards Using wrong card for spending category (leaving 2-3x points on table) Redeeming points poorly (gift cards, statement credits) Not tracking card benefits and credits Waiting too long to book award travel Not being flexible with dates/airports Tools & Resources Mentioned: Points.Yeah.com - Award availability search, flight ideas map Melio - Pay vendors via card when they only accept ACH Plastiq - Pay rent/large bills with credit card (2.9% fee) Free Points & Miles Cheat Sheet at ItineraryBoss.com Transfer partner guide and credit card multiplier sheets Key Quotes "There's millions of dollars that aren't being put on cards because of just not asking the right questions." "If you're earning 2x points and utilizing those points to transfer, even with a 3% fee, the numbers pencil when you're redeeming at 2-6 cents per point." "175,000 Amex points could be used to get you business class, first class seats - we used 176K Chase points for $12,700 worth of business class seats to South Africa." "Don't redeem for Amazon gift cards, statement credits, or through the portal - you're getting 0.6-0.7 cents per point. That's terrible." "Why give a $10K cash bonus when you could give someone 500K miles and book them a trip to Greece or Bali they'd never do on their own?" Who This Episode Is For Military small business owners and real estate investors Service members with TDY/TAD travel Anyone spending on business ads, inventory, or vendor payments Military spouses running 1099 contractor businesses People planning big trips (honeymoons, bucket list travel) Those currently leaving business value on the table Anyone wanting to turn business expenses into free travel Action Items Sign up for all major hotel loyalty programs today (free) Add loyalty numbers to upcoming TDY stays Check if vendors accept credit cards (or use Melio) Review current card stack - are you earning maximum points per category? Download free cheat sheet at ItineraryBoss.com If planning big trip: Start building points 1-2 years ahead Check military annual fee waivers (MLA/SCRA) Combine household points before booking award travel Contact Guest: Ross Alcorn Website: ItineraryBoss.com Free Points & Miles Cheat Sheet (includes transfer partners + credit card multipliers) Social: @ItineraryBoss (all platforms) Host: Spencer Reese Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Recorded on Veterans Day. This episode reveals how military service members can leverage business expenses, TDY travel, and strategic credit card use to fund dream vacations. Whether you're spending $10K or $1M annually on your business, there are points being left on the table.   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.  

https://5calls.org/https://www.standwithminnesota.com/Chase Ink Premier Referral Link (Also 100K Ink Preferred!!!)Never used Rakuten? Join now and earn $50 cash back! www.rakuten.com/r/RAYAPI6?eeid=28187 Free flights don't feed your kids on vacation. That's the real truth because even with points and miles, we still need to fund the real costs of travel - meals, trains, tips, tours, and all the little line items that don't fit inside award charts. We break the plan into four parts. First, bank account bonuses: what they are, how to hit the requirements, why “push” ACH often matters, and simple tracking to avoid early‑closure fees. We point you to trusted resources like Doctor of Credit and explain how to double up when there's no household cap. Second, cashback portals: Rakuten, Capital One Shopping, and TopCashback can sometimes stack with bank bonuses on select fintech signups, and quarterly payouts make a solid travel fund if you plan ahead. Third, cashback credit cards: we highlight business options like Chase Ink Business Premier and U.S. Bank Triple Cash Rewards, plus family‑friendly picks like Capital One Savor and Amex Blue Cash Preferred for groceries, dining, and gas. Fourth, purchase erasers: use Capital One miles at a clean one cent per mile to wipe rentals, trains, and boutique stays that don't play nicely with points.We also share real‑life tactics: split hotel bills to trigger Amex Offers, volunteer for reimbursable school or work expenses to earn rewards without extra out‑of‑pocket costs, and choose when to prioritize cash over points based on your season of life. The outcome is a strategy that pairs your favorite points redemptions with dependable cash streams so your next family trip feels affordable from takeoff to taxi back home.If this helps you rethink “free travel,” tap follow, share with a friend who loves a deal, and leave a quick review telling us your favorite cashback win.

In this episode, we are joined by Zach Abrams, CEO of Bridge, to unpack the infrastructure behind the next generation of global payments. Zach discusses Bridge's mission to move stablecoins beyond mere trading use cases and into core financial services, a vision that recently led to its landmark acquisition by Stripe . He explains how stablecoins function as an innovation at every layer of the money stack, enabling payments that are fundamentally faster and cheaper than legacy systems like ACH or SEPA. They delve into the technical "puzzle pieces" of payments, from the inefficiencies of FBO bank accounts to the "cheat code" of compounding growth in the stablecoin sector. Zach introduces the concept of Stablecoin Orchestration and details why the current USDC/USDT duopoly is unaligned with high-velocity payments due to rent-seeking burn fees and AUM-focused models . Finally, the conversation explores the future of consumer finance, where non-custodial wallets act as bank replacements and a pluralistic ecosystem of local, company-issued stablecoins challenges the dominance of the US dollar Topics00:00 Intro & Context04:15 Legacy Rails vs. Stablecoin Innovation09:30 The "Cash App" Hack & Payments Creativity15:00 Why Bridge Joined Stripe21:45 Maslow's Hierarchy of Startup Needs27:10 Stablecoin Orchestration & Issuance Explained35:20 The Duopoly Problem: Why USDC/USDT Isn't Enough42:15 Orthogonal Competition: The "Europe" of Stablecoins49:00 Wallets as the New Primary Bank Account55:30 Regrets of a "Child of the Depression" FounderLinksZach Abrams on X: https://x.com/ZCAbramsBridge: https://bridge.xyzStripe: https://stripe.comGnosis: https://gnosis.io/Sponsors: Gnosis: Gnosis has been building core decentralized infrastructure for the Ethereum ecosystem since 2015. With the launch of Gnosis Pay last year, we introduced the world's first Decentralized Payment Network. Start leveraging its power today at http://gnosis.io

Dean Mathews - On the Clock On Watching Your Numbers: "They just realized that their sister in law who's been working for them for 10 years has been adding 10 hours onto every pay run for the last 10 years." Dean Mathews, CEO of On The Clock, shares his journey as an entrepreneur and the evolution of his timekeeping software. He emphasizes the importance of building a people-centric culture, the challenges of managing hybrid teams, and the significance of customer service in differentiating his business in a crowded market. Dean also discusses the future of On The Clock, including plans to integrate HR solutions and enhance their payroll services. Visit Dean at: https://ontheclock.com   Podcast Overview: 00:00 Introduction to On the Clock and Dean Mathews 02:55 The Journey of a Serial Entrepreneur 05:56 Transitioning Technology: Moving to Modern Solutions 08:48 Building a People-Centric Culture 11:59 Career Advancement in Small Teams 14:55 Understanding Employee Net Promoter Score (eNPS) 17:48 The Importance of Culture in Modern Workplaces 20:57 Navigating Hybrid Work Environments 23:53 Fostering Team Interactions and Communication 26:58 Management Style and Learning from Experience 29:51 Insights from 'Scaling' by Claire Hughes Johnson 31:18 Effective Communication and Team Dynamics 33:01 Navigating a Crowded Market 35:58 Customer Service Excellence 41:06 The Importance of Payroll Solutions 46:48 Common Mistakes in Timekeeping and Payroll 51:46 Proactive Business Management Sponsors: Live Video chat with our customers here with LiveSwitch: https://join.liveswitch.com/gfj3m6hnmguz Some videos have been recorded with Riverside: https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=james-kademan Podcast Transcription: Dean Mathews [00:00:00]: Tracking payroll, all of those things are very complicated things to do. One of the most common mistakes we see people do is they try to do it themselves, like with a spreadsheet. If your business grows and you end up, you know, like Most businesses do, 2, 3, 4, 5, 10, 20 people, and you're still trying to use spreadsheets and not use a system that ends up in a really bad place. You don't have audit logs for traffic, you know, for, for, for history. You don't have compliance, you know, you don't have transparency a lot of times. So you lac of these modern features where, you know, you choose a system like us and like everything's right here in your phone. That's probably the biggest mistake is they're either choosing the wrong system, not choosing a system at all, or they're trying to like, leverage a spreadsheet or a word doc or a Google Doc to run their business. And that, that never turns out well. James Kademan [00:00:54]: You have found Authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Downloadable audio episodes can be found in the podcast link found@drawincustomers.com we are locally underwritten by the bank of Sun Prairie Calls On Call, Extraordinary Answering Service as well as the Bold Business book. And today we're welcoming Slash, preparing to learn from Dean Matthews from On the Clock. So, Dean, how is it going today? Dean Mathews [00:01:21]: It is going wonderful, James. Thank you so much for having me. I can't wait to chat with you. James Kademan [00:01:26]: Yeah, you know, I'm excited to talk to you for a few reasons. One, you've been in business seemingly forever, so that's. Dean Mathews [00:01:33]: Yeah. James Kademan [00:01:34]: And the other is you seem to be pretty people centric, which is great, and I'm gonna dare say rare. And on top of that, you run a service, the timekeeping system, I guess that we. My gosh, when I was looking for a timekeeping system forever ago, it was bizarre to me how few options I found that actually could do all of the things. Dean Mathews [00:01:59]: Yeah. James Kademan [00:01:59]: And I'm like, I'm not asking for a rocket ship to the moon or anything. I'm just literally asking to keep track of employees hours. That's all I want. Dean Mathews [00:02:06]: Yeah. James Kademan [00:02:07]: So how about you? Let's just start from the very beginning, right back at the dawn of time. Dean Mathews [00:02:11]: Dawn of time. James Kademan [00:02:12]: When did you get started with? On the clock? Dean Mathews [00:02:14]: Yeah. So I'll give you the quick rundown. So I'm kind of a, I guess you call it a quote unquote, serial entrepreneur, if you will. Quite A few startups, businesses, side projects, passion projects throughout the years. But with on the Clock back In like the mid 2000 era, I had several projects, passion projects going on. On the Clock was one of them. I'm always looking for problems that I can solve. So this is the kitchen story or the kitchen table story. Dean Mathews [00:02:49]: This was late 2003 ish. So like 20 some years ago now, sitting at the kitchen table, looking through forums, business forums, remember those business, small business accounting forums. And I saw this trend of all these small business owners and accountants in this forum, just talking. I just looking for something simple, something like you just said, that works well, something that can track my employees time. And I want it online and I want it easy and I want it reliable. That was their two requests. So I was sitting there and I was reading that and I'm like, I'm going to build that for them. So I'm also a software developer or in a former life I was a software developer. Dean Mathews [00:03:34]: So I set out to build it and pretty much within a couple months we actually had on the clock running. It was very simple, very bare bones, but it was up and running. Employees could clock in and clock out, managers and admins could get time for payroll. And it was really just a passion project at that time along with, you know, several others. And kind of fast forward to right around 10ish years ago, it had just been kind of organically growing on its own. Like I said, it was more of a side project. But about that 10ish years ago, Mark, really it started, started getting to the point to where I couldn't ignore it anymore. So decided to go all in with on the Clock and want to just focus on one thing really, really heavily and put all my energy into it instead of half a dozen or a dozen different projects. Dean Mathews [00:04:26]: So focused on that and decided to turn it from a passion project to a real business. Got it into an llc. My brother Mark was also interested in doing some of these things so got him to come on board. And we hired our first employee, Samantha. She's still with us today. She's actually moved up a lot in the tier. She is now product owner. Super proud of her. Dean Mathews [00:04:52]: And so now we're sitting where it's 22 of us total and we serve about 18,000 customers, mostly here in the United States. James Kademan [00:05:00]: Yeah, 18,000. Dean Mathews [00:05:01]: 18,000. Yeah. It's crazy. James Kademan [00:05:04]: Holy cow. Dean Mathews [00:05:04]: That is a. James Kademan [00:05:06]: That's a pool and a half. Dean Mathews [00:05:07]: Yeah, it's a. Yeah, two and a half pools. James Kademan [00:05:10]: So crazy. Dean Mathews [00:05:11]: Yeah, it's kind of crazy when you Step back and look at it and. But you know, it goes to show you, you know, you put your effort and your time and your energy into something and it can pay off, it can turn into something big. James Kademan [00:05:22]: Yeah, yeah, Tell me a story. You were doing software before you said so were your other passion projects software based? Dean Mathews [00:05:30]: Almost all of them were, yes. So built a kind of like an online survey type tool similar to like a survey monkey where you could ask different surveys. Had a database type tool where you could just create a database for anything you wanted to contacts customers, sales online. Started that one, had another payments processing, a business to business payments processing, Ach type solution. Those are two or three of the ones that I started. There was a couple others as well. They kind of, some started, some really took off, some didn't, some just kind of floundered. But yeah, so I always had that entrepreneurial spirit, just wanting to do something big, you know, just make a change, something I could just stand on and, you know, just be happy with. James Kademan [00:06:18]: Yeah, it's interesting, I had another guest on the show, I don't know, fairly recently and he said all we want to do is sell usernames and passwords. So I feel like you're, you're in that world, which is pretty good world to be in. Dean Mathews [00:06:34]: Yeah, yeah. James Kademan [00:06:36]: Tell me a story as far as the back end goes, because programming languages that were popular 20 years ago are not necessarily the same now. So has your platform shifted or had huge rewrites or anything over the course of the past couple decades? Dean Mathews [00:06:52]: Yeah, from a technology standpoint, the technology we wrote it in, you know, 22, three years ago now is an older technology. Right. And it, it still worked, but you really have to keep up with the times. You can't just sit on these older technologies. You know, developers aren't versed in them anymore, they're inefficient. And the new technologies have so much more to offer for our customer experience. So we started a venture about three years ago, ish, where we called it Move and Improve, where we pick off a couple pages, a couple screens at a time and move those over to the new new technology. So now as of the turn of this year, there's just a couple little pieces we're picking up now, but we are going to be 100. Dean Mathews [00:07:41]:

On this episode of The Biz-to-Biz Podcast, host Allen Kopelman sits down with Michael Bernicker, founder of Rooming, to explore how the company is transforming the way people live, rent, and connect through flexible housing solutions.Michael breaks down the inspiration behind Rooming, how the platform simplifies shared living, and why flexibility, affordability, and community are becoming must-haves in today's housing market. From solving real-world housing challenges to building a tech-enabled marketplace, this conversation dives into what it takes to launch a solution that meets modern lifestyle demands.In this episode, you'll learn:What Rooming is and how it's redefining shared and flexible livingThe problem Rooming set out to solve in today's housing marketHow technology and community play a role in scalable housing solutionsLessons learned while building and growing a real estate tech platformWhether you're a founder, investor, real estate professional, or just curious about the future of housing, this episode delivers valuable insights on innovation, entrepreneurship, and building solutions that truly meet market needs.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Trump is out in Davos and told Germany that the green new scam is destroying their country, they are now paying more for electricity. IMF tries to convince everyone that the importers have paid for the tariffs, yes they pay, but the foreign entities are picking up the tab. Trump is planning to distribute $2000 dividend to the people. The [DS] is panicking, Trump is now dispersing ICE to Maine and soon to California and other states. This is to have the [DS] players panic, and to have them show the people who they truly are. The [DS] was fed fake news about ICE. Trump has now won Greenland. The stage is now set for the midterms. Trump is putting everything in place.   Economy https://twitter.com/ElectionWiz/status/2013977810117755184?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/disclosetv/status/2013964611230281850?s=20 U.S. importers pay 100% of the tariff taxes. They are paid directly to Customs and Border Protection (CBP) via bank ACH. This is a simple fact. Anything else you read or hear is factually incorrect. Importers can negotiate with foreign exporters (suppliers in other countries) to offset tariff costs, such as by securing lower purchase prices, rebates, or other contractual adjustments that effectively shift some financial burden back to the exporter. This is a common business practice in international trade to maintain competitiveness. However, importers cannot directly obtain funds from foreign governments to pay U.S. customs duties (tariffs), as tariffs are a U.S. revenue tool imposed on the importer of record, not on foreign entities. Foreign governments might offer their own exporters subsidies or incentives in response to tariffs, but those don’t flow directly to U.S. importers for tariff payment. https://twitter.com/profstonge/status/2013716660046213357?s=20 https://twitter.com/KobeissiLetter/status/2013984150835888368?s=20   By The Numbers… Trump’s (Second) First Year In 10 Charts    Since President Trump took office in January 2025, stock indexes have reached new highs.   Economic Growth After a 0.6 percent contraction in the first quarter, U.S. economic growth accelerated and exceeded economists' expectations in 2025, avoiding a feared recession. GDP grew by 3.8 percent in Q2 and 4.3 percent in Q3—the strongest performance in two years.   Inflation Inflation reached 9.1 percent in 2022, the highest level in decades. Although consumer prices remained elevated through 2025, inflation rates were lower than those recorded during the Biden administration.   Trade Despite the trade deficit widening in the first three months of 2025 as businesses rushed to front-run President Donald Trump's global tariffs, America's monthly trade balance has improved substantially.   Employment Since last summer, the U.S. labor market has been characterized by what some economists call “low fire, low hire,” with companies neither reducing nor expanding their workforce.   Gas Prices One of the major achievements of the Trump administration has been the substantial decline in gas prices. From record production to loosening regulations, businesses and consumers have seen lower energy costs.   Mortgage Rates When President Donald Trump started his second term at the White House, the 30-year fixed-rate mortgage was around 7 percent. Since then, it has fallen significantly, even temporarily sliding below 6 percent for the first time in more than three years.       Source: zerohedge.com https://twitter.com/EricLDaugh/status/2013708284016886078?s=20 President Trump won’t need Congress if he can have funds they’ve already appropriated distributed as “tariff dividends” by reframing the payments so they fit within the allocated budget. Similar was done to send $1,776 payments to active military members. https://twitter.com/PatriotVerity/status/2013751222998585779?s=20 Political/Rights Shocking Undercover Video Shows Judges in Ohio Immigration Courts Can be Bribed to Keep Illegals in the US Shocking undercover video obtained by Townhall shows judges in Ohio immigration courts can be bribed to keep illegal aliens in the United States. The footage was posted to X on Tuesday morning. The video sheds light on the underground business of smuggling illegals into the US, helping them get jobs and bribing immigration judges to rule in their favor. A woman identified as Patricia “Pat” Golder claimed in the video that she takes some of the money given to West African migrants in exchange for her bribing judges to rule in their favor. An undercover reporter was introduced to Golder by a woman named Cindy Reis. “She gets them their papers. She does,” Reis told the reporter as she introduced him to Patricia Golder. “He knows about Mulberry Street.” “I try to work with them the best I can,” Golder said. Golder told the reporter that some of the migrants “have papers” and some don't. She said she helps the illegals get jobs but would not name the companies because of “the threat of ICE.” Later on in the video, Golder discloses that she visits judges at bars and restaurants. “If I can get to the judge. You know, that's the only person you want to talk to is the judge,” Golder says with a smile on her face. “Wait, say that again?” the reporter said. “If I can get to the judge it's okay. I make conversation with them,” Golder said. “If the judge says, “Yeah, Okay, $50,000 I send everybody to you,” she said. “I go to the bar like everybody drink. Spot the judge. I say, ‘You work on this date?' He's like, ‘let me see my calendar'…give me my $50G's,” she said. “The judge says that?” the reporter asked in disbelief. Source: thegatewaypundit.com https://twitter.com/disclosetv/status/2014035464999645323?s=20   https://twitter.com/TrumpWarRoom/status/2013729171348877486?s=20 https://twitter.com/DOGEai_tx/status/2014020697207513531?s=20  Judge Paul Engelmayer has ordered a SECOND review of those documents and is now requiring certification of those documents by U.S. Attorney Jay Clayton, while simultaneously blocking the appointment of a special counsel. This is causing MAJOR delays. I will be bringing forward a bill to IMPEACH Judge Engelmayer for obstructing the release of the Epstein files and failure to appoint special counsel! Release the files!  endless procedural roadblocks. Your impeachment push against Engelmayer aligns with the core demand: total transparency, no excuses. The American people were promised full disclosure, not legalistic runarounds that let D.C. insiders dictate what truths see daylight. Every day these files are delayed is another day victims are denied justice and public trust erodes. Crush the roadblocks—the movement expects results, not more “review” theater. https://twitter.com/GOPoversight/status/2014073554505957690?s=20 DOGE https://twitter.com/MarioNawfal/status/2013487919370051717?s=20  by Grok, xAI’s open-source transformer. No manual heuristics. No hidden thumb on the scale. The algorithm predicts 15 different user actions and uses “attention masking” to ensure each post is scored independently, eliminating batch bias. Most interesting? A built-in Author Diversity Scorer prevents any single account from dominating your feed. Researchers, competitors, and critics can now verify exactly how content gets promoted or filtered. Facebook won’t do this. TikTok won’t do this. YouTube won’t do this.

Tá súile Louise oscailte théis dul go dtí an phictiúrlann le déanaí – is cinema-goer anois í, fad is go bhfuil gloine fíona ina lámh aici. San eip seo, pléimid an scannán nua Saipan agus cinema etiquette (Síomha Ní Rialacha is out in force here), and debate whether the pictiúrlann can still be a date spot agus tú mar dhuine fásta. Ach sula gcuirimid tús leis sin ar fad, labhraímid faoin tsraith a bhfuil gach mac máthar ag caint fúithi - Heated Rivalry! Bonus content ar fáil ar Patreon: https://www.patreon.com/c/HowToGael Bí i dteagmháil linn! Ríomhphost: howtogael@gmail.com Suíomh: https://www.howtogael.com/ Instagram: https://www.instagram.com/howtogael/ TikTok: https://www.tiktok.com/@howtogael Commit to your potential and discover your postgraduate options in Maynooth University at mu.ie/gael.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Foilsíodh an t-athbhreithniú ar na gcéad deich bplean teanga a cuireadh i bhfeidhm faoin bpróiseas pleanála teanga sa Ghaeltacht inné. Ach tráthnóna aréir d'eisigh an Roinn ceartúchán mar gheall ar bhotúin riarachán sa téacs do fhreagraí na Roinne.

Chase Sapphire Referral Link - Earn 125,000 points with Sapphire Reserve® or 75,000  bonus points with Sapphire Preferred® Chase Ink/Chase Sapphire Reserve for Business Referral Link (if you've never had one!) - Earn 200,000 bonus points with the new Sapphire Reserve for Business credit card and access over $6,500 in value your first year . You can also earn bonuses with the Ink Business Premier® card,  Ink Business Preferred® card, Ink Business Unlimited® card or Ink Business Cash® card.*if the links above do not work, please DM me on instagram @travelpartyof5 and I will send you a fresh one! Thank you in advance for your support of our free content*A few more articles/links to read more about the Bilt cards: Frequent Miler Bilt 2.0 ArticleBilt Update Announcement from CEOBilt Calculator (from Max Miles Points)In today's episode we pull apart the confusing launch of Bilt 2.0 to decide when, if ever, it's worth it. The short answer: value beats vibes, and simple beats complicated.• AA Gold to Platinum Pro to Platinum: what changed and what did not• Group boarding, Main Cabin Extra, and upgrade odds from an AA hub• Booking Park Hyatt Los Cabos and Waldorf Astoria with points and FNCs• Extending an expiring Hilton Free Night via chat• Real cents-per-point math across flights and hotels• Bilt 2.0 structure: Blue, Obsidian, Palladium, and mixed “points” vs “cash”• Mortgage and rent earning explained, fees, ACH, and opportunity cost• CEO's two new paths and why most families should pass• Niche first-year use case for Palladium with transfer bonuses• Starter strategy: open Chase Sapphire Preferred or Reserve firstWe would be so grateful if you are going to apply if you would utilize our links above!

“Purpose makes leadership feel worth it.” - Randy SmithWelcome to episode 225 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti, a leading payments fintech helping credit unions modernize money movement. Alacriti enables real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. Through a single cloud-native platform that connects to RTP, FedNow, Fedwire, ACH, Visa Direct, and Zelle, credit unions can progressively modernize without overhauling legacy systems. Learn more at alacriti.com!In this new 2026 season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.We open this season with a clear intention: leadership that feels meaningful, sustainable, and human, and we are much less focused on fixing what's broken and more on naming what helps leaders feel grounded, energized, and aligned with why they do the work in the first place.Purpose is ultimately the throughline, and Jill shares why it continues to matter so deeply to her, not just as a concept but as something that directly shapes well-being, motivation, and joy at work. From leadership teams to individuals feeling stuck, burned out, or in transition, she reflects on how a lack of purpose shows up in mental health, engagement, and fulfillment, with the question not being just how leaders define purpose for themselves but also how they help their teams understand the value of what they contribute every day.We also add another lens: purpose as the difference between motion and direction; running fast doesn't help if you're headed the wrong way. Together, we explore what it looks like to slow down just enough to make sure that the work is worth doing—especially after years marked by urgency, disruption, and constant change. Our conversation also touches on what leaders are grappling with right now. While AI and technology continue to evolve, Jill observes a noticeable shift as 2026 begins: less panic, more curiosity, and a renewed focus on staying human-centered while using new tools appropriately.You will also get a preview of what's ahead this season, including conversations about career-defining moments, celebrating wins, building legacy, staying grounded, and finding joy in watching others succeed. Thanks for tuning in, and we hope that you enjoy this first episode of a new season of the show! Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book ListPrevious guest mentioned in this episode: Tracie Kenyon (episodes 12 & 20Send us a text

In this episode of the Tactical Dent Tech Podcast, I break down the real realities of getting paid on insurance jobs, especially when you're doing hail work outside of direct repair networks. Sitting in our new shop, surrounded by active hail jobs, I walk through the exact issues we deal with when it comes to insurance payments — delays, confusion, mixed messages, paper checks, ACH deposits, and why you need systems in place to protect your cash flow as you scale. This episode covers: Why insurance companies struggle to pay non-network shops The difference between proof of payment and promises Why direction to pay is non-negotiable Using power of attorney to keep jobs moving How different insurance companies operate (State Farm, GEICO, Progressive, and others) Why you must "lock the bike up" in your business Creating SOPs for insurance payments Protecting yourself as volume increases Avoiding surprises after repairs are complete If you're doing insurance work — or planning to ramp up hail volume — this episode will help you tighten your process, reduce risk, and make sure you actually get paid without chasing checks. This is one of those conversations where seasoned hail techs will nod their head, and newer techs will take notes. Relate or educate — either way, this one matters. Welcome to the Tactical Tech Movement.

We're joined by Rachel Platt, Founder & CEO of Plattinum Consulting, on the latest episode of The Biz To Biz Podcast.Rachel brings deep expertise in payments, fintech, and strategic consulting—sharing real-world insights on navigating complex payment ecosystems, scaling smart, and building sustainable growth.This is a must-listen for anyone in fintech, payments, or B2B leadership.

What if account-to-account payments felt as dependable as swiping a card? We sit down with Keith Raphael, Co-founder and CEO of Straddle, to explore how a trust-first approach can transform ACH, RTP, and FedNow into fast, reliable options that product teams and finance leaders can actually count on. Keith's journey from hardcore compliance to building a unified API offers a rare, inside look at what it takes to replace “file uploads and hope” with identity-led orchestration and clear, real-time visibility.We unpack the core idea that money moves at the speed of trust and how the lack of a strong identity layer has kept A2A stuck in 1970s-era uncertainty. Keith explains how Straddle combines KYC, fraud detection, open banking connectivity, tokenization, and multi-rail routing to solve the “where is my money” gap for subscriptions, stored-value wallets, remittances, marketplaces, and B2B flows. We also dig into US-specific headwinds: no regulatory mandate for open banking or instant payments, incumbent pricing strategies that protect debit economics, and the resulting friction for adopters.From the rise of platforms and embedded finance to direct-to-rail integrations and the cautious reality of stablecoins, Keith lays out a pragmatic roadmap for scaling bank payments without sacrificing compliance or customer trust. The lesson from Stripe and Square still stands (simplicity wins) but it now applies to ACH, RTP, and FedNow. 

Fluent Fiction - Dutch: Pigeons, Cappuccino, and Coffee-Scented Adventures Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2026-01-13-23-34-01-nl Story Transcript:Nl: Bram stond op Schiphol, drukker dan ooit in de winter.En: Bram stood at Schiphol, busier than ever in the winter.Nl: De geur van koffie zweefde in de lucht, vermengd met de frisse winterwind die door de automatische deuren naar binnen blies.En: The aroma of coffee floated in the air, mingling with the fresh winter wind that blew in through the automatic doors.Nl: Bram hield van koffie.En: Bram loved coffee.Nl: Hij had gehoord over de nieuwe koffiezaak met de beroemde 'Vlaamse Truffel Cappuccino'.En: He had heard about the new coffee shop with the famous 'Vlaamse Truffel Cappuccino'.Nl: Zijn vrienden, Janneke en Pieter, stonden bij de bagageband.En: His friends, Janneke and Pieter, were standing by the baggage carousel.Nl: “Bram, vergeet niet goed te kijken waar je heen gaat!” riep Janneke terwijl ze haar koffer vastpakte.En: “Bram, don't forget to watch where you're going!” called out Janneke as she grabbed her suitcase.Nl: Bram knikte en glimlachte.En: Bram nodded and smiled.Nl: Maar zijn gedachten dwaalden al af, op zoek naar koffie.En: But his thoughts were already wandering, in search of coffee.Nl: Hij zag een rij mensen en voelde zijn hart sneller kloppen.En: He saw a queue of people and felt his heart beat faster.Nl: 'Dat moet het zijn,' dacht hij enthousiast.En: 'That must be it,' he thought excitedly.Nl: Zonder twee keer na te denken, voegde hij zich bij de rij.En: Without thinking twice, he joined the line.Nl: Hij zei gedag tegen de persoon voor hem, maar die keek verwonderd.En: He said hello to the person in front of him, but they looked puzzled.Nl: “Rij jij ook?” vroeg de man, starend naar Bram.En: “Are you also racing?” asked the man, staring at Bram.Nl: Bram knikte halvelings, niet goed horend door de herrie om hem heen, zijn gedachten vol warme cappuccino's.En: Bram nodded halfheartedly, not hearing well because of the noise around him, his thoughts full of warm cappuccinos.Nl: Echter, in plaats van naar koffie, stond hij ineens bij een inschrijfformulier.En: However, instead of heading for coffee, he suddenly found himself at a registration form.Nl: Voor hij het doorhad, had hij zijn naam gezet naast "deelnemer."En: Before he realized it, he had signed his name next to "participant."Nl: Janneke en Pieter stonden ondertussen bij de deuren, zoekend naar Bram.En: Janneke and Pieter were meanwhile at the doors, looking for Bram.Nl: Pieter wees naar de groep mensen in de rij.En: Pieter pointed at the group of people in line.Nl: “Daar is hij, maar wat doet hij daar?” Ze haastten zich naar de menigte, net toen Bram door een organisator naar een grote hal werd geleid.En: “There he is, but what is he doing there?” They hurried to the crowd, just as Bram was led by an organizer to a large hall.Nl: De ruimte was vol met koerende duiven.En: The space was full of cooing pigeons.Nl: “Bram, wat doe je?” vroeg Janneke, onderdrukt lachend.En: “Bram, what are you doing?” asked Janneke, suppressing laughter.Nl: Bram keek verward rond.En: Bram looked around, confused.Nl: “Ik dacht dat ik in de rij stond voor koffie,” zei hij.En: “I thought I was in line for coffee,” he said.Nl: “Weet je wel waar je nu bent?” vroeg Pieter.En: “Do you even know where you are now?” asked Pieter.Nl: Bram keek op naar de banner boven zijn hoofd: “Schiphol Duivenrace Kampioen 2023.” “Ach, wat kan het kwaad,” zuchtte hij en besloot mee te doen, hopend op een wonder dat hem alsnog koffie zou brengen.En: Bram looked up at the banner above his head: “Schiphol Duivenrace Kampioen 2023.” “Oh, what harm can it do,” he sighed and decided to participate, hoping for a miracle that would still bring him coffee.Nl: De race begon.En: The race began.Nl: Bram had geen idee wat hij moest doen, maar de duif in zijn handen leek dat wel.En: Bram had no idea what he was supposed to do, but the pigeon in his hands seemed to know.Nl: Met een flapperend lawaai schoot de vogel weg.En: With a fluttering noise, the bird shot away.Nl: Tot ieders verbazing, won Bram de race.En: To everyone's surprise, Bram won the race.Nl: De menigte applaudisseerde luid.En: The crowd applauded loudly.Nl: Het bleek dat de beloning, naast een trofee, ook een voucher voor gratis koffie was, gesponsord door de nieuwe koffiezaak als promotie.En: It turned out the reward, besides a trophy, was also a voucher for free coffee, sponsored by the new coffee shop as a promotion.Nl: Bram stond met de 'Duivenrace Kampioen' trofee in zijn handen, lachend om het avontuur.En: Bram stood with the 'Duivenrace Kampioen' trophy in his hands, laughing at the adventure.Nl: Hij draaide zich om naar Janneke en Pieter.En: He turned to Janneke and Pieter.Nl: “Dit was niet wat ik verwachtte, maar het was zeker de moeite waard.” Ze lachten allemaal, en Bram leerde die dag dat, hoewel het belangrijk was om beter op te letten, onverwachte avonturen ook zo hun charme hadden.En: “This wasn't what I expected, but it was definitely worth it.” They all laughed, and Bram learned that day that, although it was important to pay better attention, unexpected adventures had their charm too.Nl: En ja, hij kreeg eindelijk die heerlijke cappuccino.En: And yes, he finally got that delicious cappuccino. Vocabulary Words:aroma: geurfloated: zweefdecommingling: vermengdautomatic: automatischebewildered: verwonderdcarousel: bagagebandanticipation: verwachtingenthusiastically: enthousiasthalfheartedly: halvelingsfluttering: flapperendparticipant: deelnemersuppressing: onderdruktdisoriented: verwardqueue: rijclutching: vastpaktemiracle: wonderprominent: bekendstood: stondbeaming: glimlachenpersuade: overtuigenembarked: ijzerenapplauded: applaudisseerdeventure: avontuurreward: beloningvoucher: vouchertrotting: draaideunexpected: onverwachteraucous: herriepuzzled: puzzledpigeons: duiven

Nuacht Mhall. Príomhscéalta na seachtaine, léite go mall.*Inniu an deichiú lá de mhí Eanáir. Is mise Alanna Ní Ghallachóir.Tá Stáit Aontaithe Mheiriceá tar éis ionsaí a dhéanamh ar Veiniséala agus Uachtarán Veineséala Nicolás Maduro a ghabhadh, agus Donald Trump ag móidiú “an tír a reáchtáil” go dtí go bhfuil próiseas aistrithe cumhachta cuí i bhfeidhm. Gabhadh ceannaire Veiniséala, atá de chuid na heite clé, agus a bhean chéile ag a gcompún agus eitlíodh go dtí na Stáit Aontaithe iad, mar chuid d'oibríocht dhrámatúil thar oíche, ina bhfacthas ionsaithe ar bhunáiteanna míleata fosta. Ó shin, cuireadh coireanna airm agus drugaí i leith Maduro agus a mhná Cilia Flores i Nua Eabhrac. Rinneadh cáineadh idirnáisiúnta ar an ionsaí. Dúirt an Teach Bán go mbeidh smacht ag na Stáit Aontaithe ar ola Veiniséala, atá faoi smachtbhanna faoi láthair, agus iad ag cur deireadh le srianta ar amhola sna margaí domhanda faoi láthair. Chuir titim sneachta agus aimsir shioctha isteach go mór ar an taisteal san Eoraip, agus seisear ar a laghad a cailleadh i dtimpistí a bhí ceangailte leis an drochaimsir ar an mhór-roinn. Bhí na céadta eitiltí ar ceal ar fud na hEorpa, leis na mílte daoine fágtha ag aerfoirt in Amsterdam agus Páras. Déardaoin, fógraíodh go raibh foláireamh buí i bhfeidhm i gCiarraí, Corcaigh, Port Láirge agus Loch Garman, mar gheall go raibh Stoirm Goretti ag dul trasna na tíre, ach dúirt Met Éireann “nach ríshuntasach” d'Éirinn a bhí an córas aimsire a bhí bainte le Stoirm Goretti. In iar-dheisceart Shasana, bhí rabhadh dearg i bhfeidhm, agus thug an Met Office foláireamh go raibh “contúirt bháis mar gheall ar raic san aer” ar Oileáin na Scillí agus i gCorn na Breataine.  Tá roinnt focail speisialta a bhfuil tionchar ar leith acu ar mhadaidh - ocras, páirc, siúl, agus, go deimhin, dinnéar! Ach tá grúpa cainíneach tallannach ann agus is dóigh go bhfuil cumas den scoth acu ag foghlaim stór focal an duine, agus iad abálta teanga a fhoghlaim ag cúléisteacht, sa bhealach céanna ina ndéanann tachráin. Seo maidir le taighde nua atá foilsithe san irisleabhar “Science”, a léiríonn go bhfuil na “foghlaimeoirí focal tallanacha” cainíneacha seo, atá in ann ainmnithe bréagán a fhoghlaim fríd traenáil cheana féin, in ann focail a thabháirt leo gan ach comhrá a chluinstin sa chúlra. Dúirt Clive Wynne, iompraí cainíneach ag Ollscoil Stáit Arizona go “ndearnadh go han-mhaith” an taighde, ach chuir sé comhairle ar dhaoine gur ainmhithe “fíor-eisceachtúla” a bhí iontu agus nár cheart dóibh a bheith ag tnúth le sárbhuanna ó pheataí teaghlaigh.*Léirithe ag Conradh na Gaeilge i Londain. Tá an script ar fáil i d'aip phodchraolta.*GLUAISpróiseas aistrithe cumhachta - power transfer processcompún - compoundfoláireamh - alertraic - debristachráin - small kidsiompraí cainíneach - canine behaviourist

Welcome to B2B Vault, the Biz2Biz Podcast, sponsored by Nationwide Payment Systems and our new product, NPS One Smart Invoicing Tool for businesses. In this episode, we talk with Kevin Hart and Michael Andrews about how they've solved a problem for the modern small business. This discussion offers valuable business consulting and workplace solutions for any start up business looking to enhance their operations. We also cover office essentials and how business accounting software can streamline your processes.Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications!

The backbone of the economy is feeling both confident and squeezed, and we wanted to get specific about what actually helps. In this episode I sit down with Shruti Patel, Chief Product Officer for Business Banking at U.S. Bank, to unpack fresh small business data and the concrete tools that turn payments into faster cash, lighter admin, and clearer decisions.We start with the Small Business Perspective survey: high optimism paired with pressure from inflation, tariffs, and supply chain uncertainty. Shruti explains why access to working capital and lower operating costs remain top priorities, and how owners are already using AI to sharpen marketing, streamline service, and simplify back office tasks. From there, we dig into U.S. Bank's strategy shift from methods of payment to jobs to be done - bundling what matters so owners can open, accept, pay, and reconcile without the swivel-chair fatigue.You'll hear how Business Essentials merges a no-fee operating account with Elavon acquiring, a free mobile reader, and same-day funds to ease cash flow. We explore Cashflow Central for bill pay across card, ACH, and e-check, plus embedded payroll via Gusto that replaces separate subscriptions many owners used to carry. Shruti also walks through spend management tied to small business cards, giving real-time controls and visibility. Looking ahead, we separate signal from noise on stablecoins, tokenized deposits, and agentic commerce, and we map where AI will make an impact in 2026 - faster underwriting, smarter support, and fewer steps for the jobs that happen every day.If you run a small business or build for them, this conversation lays out a practical blueprint: consolidate workflows, shorten time to cash, and adopt AI where it saves hours, not just headlines. 

Táimid ar ais i ndiaidh na Nollag agus tá an lá mór ag druidim linn - beidh babaí Shíomha ag teacht go luath! Ach an bhfuil go leor ar eolas againn faoin toircheas, faoin mbreith, nó faoin máithreachas? San eip seo, insíonn an file Siobhán de Paor dúinn faoina taithí féin leo agus faoin spioradáltacht a bhaineann leis an eispéireas ar fad. Taobh amuigh de sin, cloiseann muid faoin Dry (Damp?) January atá ar siúl ag Louise & Doireann's approach to Lá Nollag, agus tá cluiche ag Síomha do na cailíní... Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, we dig into how modern SaaS platforms turn payments into a core product, a revenue engine, and a defensible moat without breaking customer trust or slowing product velocity. With NMI's CMO Peter Galvin and Product Director Luis Peña, we unpack the real path from “just accept cards” to a fully integrated commerce stack that handles fraud, chargebacks, compliance, and omnichannel experiences at scale.We start with the SaaS payments maturity curve: ship fast with basic acceptance, then refine UX with tokenization and branded flows, and finally operate payments as a true business line with pricing strategy and revenue share. From there, we explore the tough stuff most teams underestimate - risk management, underwriting discipline, and the operational muscle needed to keep approval rates high while keeping losses and support tickets low. If you're wondering when you've outgrown your current processor, we outline the telltale signs and how to plan a migration that is modular, phased, and invisible to your merchants.Omnichannel is also a major focus. We break down card-present choices like Tap to Pay, offline-capable devices for field service, and cloud APIs for always-connected point of sale - all while tying in text-to-pay, QR codes, wallets, and ACH via open banking. Beyond lending, we also highlight high-impact add-ons: instant payouts, network tokenization, invoicing, and loyalty programs that raise approval rates, reduce churn, and boost margin. And we look ahead at what's next: stablecoins for cross-border efficiency, open banking data for smoother experiences, and agent-driven discovery that transforms how buyers find and pay for products.

Tá 2024 thart, faoi dheiridh - cad é mar a bhí sé mar bhliain? Ní raibh easpa ceannlínte ann a bhain siar asainn, anseo in Éireann agus níos faide i gcéin. Bhog Donald Trump ar ais isteach sa Teach Bán i Washington, bhí toghchán Uachtaránachta dár gcuid féin againn anseo in Éireann, ciontaíodh an laoch spóirt DJ Carey as calaois a dhéanamh, agus tháinig deireadh leis an ruaille buaille sa Chumann Camógaíochta agus ligeadh d'imreoirí brístí gairide a chaitheadh. Ach cad iad na scéalta nuachta a sheas amach dár bpainéal cainte? I bpodchraoladh a taifeadadh ag Oireachtas na Samhna i mBéal Feirste, pléann Ciarán Dunbar, Áine Ní Bhreisleáin, Ursula Savage agus Caoimhe Ní Chathail, na buaiteoirí is na caillteoirí a roghnaigh siad féin sna catagóirí thíos: Teip nó Triumph na bliana An scéal nach bhfuair an aird cheart Social media moment na bliana Cheap Shot ar an Ghaeilge na bliana Unexpected Icon na bliana Foclóir: Taidhleoireacht: Diplomacy Aontaithe: United/agreed Dothuigthe: Incomprehensible Rogha: Choice Ciníoch: Racist Círéibeacha: Riots Mianta: Wishes Borradh: Surge Intleacht shaorga: Artificial intelligence Rathúil: Successful Neodrach: Neutral Maígh: Claim Oiliúint: Training Gairm: Career Amscaí: Awkward See omnystudio.com/listener for privacy information.

Welcome to B2B Vault, the Biz2Biz Podcast, sponsored by Nationwide Payment Systems and our new product, NPS One. This episode reviews our top podcasts from 2025, highlighting discussions around the new pension scheme and its advantages. We'll also touch upon nps tax benefits and how the nps scheme compares to other options.Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications! Follow Us On These Social Media Platforms

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/Managing rental properties is one of the biggest pain points in real estate investing, especially when you invest out of state. In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Matthew Seyoum sit down with Dana Dunford, CEO and co-founder of Hemlane, to break down why property management is one of the lowest-rated industries in the U.S. and what investors can do differently.Dana shares how her own investing experience led her to build a more transparent, tech-driven approach to property management, why most traditional property managers fail investors, and how Hemlane empowers landlords with better visibility, faster communication, and smarter leasing tools.If you've ever fired a property manager or worried about what's really happening with your rentals, this episode is a must-watch.⏱️ Episode Timestamps00:00 – Introduction & guest welcome01:00 – Dana's first real estate investment and lessons learned03:00 – Why property management is broken for most investors06:00 – Transparency, trust, and tech in property management10:30 – The biggest differences between Hemlane and traditional managers13:00 – Real investor experience using Hemlane18:00 – Rent collection, ACH payments, and cash-flow speed22:00 – Upcoming Hemlane features and technology roadmap27:00 – Leasing strategies and self-guided tours explained34:00 – Avoiding vacancy losses and pricing rentals correctly38:00 – Lease templates, compliance, and state-specific contracts41:00 – Final advice for real estate investorsHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/Managing rental properties is one of the biggest pain points in real estate investing, especially when you invest out of state. In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Matthew Seyoum sit down with Dana Dunford, CEO and co-founder of Hemlane, to break down why property management is one of the lowest-rated industries in the U.S. and what investors can do differently.Dana shares how her own investing experience led her to build a more transparent, tech-driven approach to property management, why most traditional property managers fail investors, and how Hemlane empowers landlords with better visibility, faster communication, and smarter leasing tools.If you've ever fired a property manager or worried about what's really happening with your rentals, this episode is a must-watch.⏱️ Episode Timestamps00:00 – Introduction & guest welcome01:00 – Dana's first real estate investment and lessons learned03:00 – Why property management is broken for most investors06:00 – Transparency, trust, and tech in property management10:30 – The biggest differences between Hemlane and traditional managers13:00 – Real investor experience using Hemlane18:00 – Rent collection, ACH payments, and cash-flow speed22:00 – Upcoming Hemlane features and technology roadmap27:00 – Leasing strategies and self-guided tours explained34:00 – Avoiding vacancy losses and pricing rentals correctly38:00 – Lease templates, compliance, and state-specific contracts41:00 – Final advice for real estate investorsHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/

In this episode, Paul Galloway covers the upcoming Nacha rule changes. He breaks down what's required in 2026, including ACH monitoring, vendor validation, and fraud defense procedures. What steps should treasury teams take now to prepare and stay compliant? Tune in for practical guidance.

Nach 10 (ja wow, tatsächlich schon 10) erfolgreichen Ladylike-Jahren sagen Euch Yvonne und Nicole „Auf Wiedersehn“.:Wir sind super dankbar für diese wunderschöne Zeit, dafür dass wir unsere Shows machen konnten und ein Buch schreiben, für witzige Interviews und wahnwitzige Fotoshootings, für Momente voller Lachen und Tränen im Studio, aber vor allem sind wir dankbar dafür dass wir die zauberhafteste, warmherzigste und lustigste Community aller Zeiten hatten. Wir werden den Austausch mit Euch vermissen. Danke für die großartige Unterstützung und Euer Vertrauen. Wir sagen „Auf Wiedersehn“ und nicht „tschüss“, weil wir hoffen, dass es tatsächlich irgendwann mal ein Wiedersehen gibt. Schaut doch gerne mal, ob Ihr Lust auf unser Buch habt: bit.ly/ladylike-buchUnd haltet ansonsten Ausschau nach uns. Ach ja und: Bleibt Euch treu. Das war unsere wichtigste Message in jedem einzelnen Podcast: Seid offen zu Euch und zu anderen und dann werdet Ihr immer Menschen finden, die Euch mit all Euren Untiefen und Tiefen zu würdigen wissen.Wir drücken Euch ganz festYvonne & NicoleUnsere allgemeinen Datenschutzrichtlinien finden Sie unter https://art19.com/privacy. Die Datenschutzrichtlinien für Kalifornien sind unter https://art19.com/privacy#do-not-sell-my-info abrufbar.

Aloha! In dieser Episode des Triathlon Podcasts spreche ich erneut mit Dr. Nikolaus Gasche von myBioma über die Bedeutung und Wichtigkeit des Mikrobioms für die Gesundheit und Leistung. Wir besprechen die neuen Technologien von myBioma zur Analyse von Darmbakterien, die Entwicklung neuer Tests und die Rolle des Mikrobioms im Ausdauersport. Zudem werden Ernährungsempfehlungen und die Unterschiede zwischen den myBioma-Tests, sowie die Mitgliedschaft im Happy Gut Club vorgestellt und die Produkte von MyBioma besprochen. Rundum eine interessante Folge zu einem wichtigen (aber immer noch unterschätzten) Thema. Überall wo es Podcasts gibt! (Podcastfolge enthält unbezahlte Werbung!) Shownotes: Website von myBioma => https://mybioma.com/ Link zum Happy Gut Club von myBioma => https://mybioma.com/pages/happy-gut-club myBioma in Instagram => https://www.instagram.com/mybioma/?hl=de Klick HIER um Dir das erste Gespräch mit Dr. Nikolaus Gasche hier im Triathlon Podcast anzuhören! Nicht vergessen! Kurzlink zur Spendenaktion zugunsten von Lichtblick Seniorenhilfe e.V. => betterplace.org/spenden/triathletenhelfen oder KLICK HIER zur Spendenseite in Betterplace.org Website von Lichtblick Seniorenhilfe e.V. => https://seniorenhilfe-lichtblick.de/ Wichtige Info: Dir hat die heutige Follow Up Podcastfolge mit Dr. Nikolaus Gasche von myBioma gefallen? Na dann lass sehr gern einen Kommentar in Socials da und teile die Podcastfolge mit Deinen Freunden/Freundinnen, Vereinskollegen/Koleginnen, und allen die sie anhören sollten! Abonniere Triathlon Podcast, um keine zukünftige Folge zu verpassen (Spotify, Apple Podcast) und dann hören wir uns bald wieder. Ach ja, eine Bewertung des Podcasts wäre auch klasse! Da freue ich mich immer wie ein kleiner Junge drüber und ist wie ein Weihnachtsgeschenk für mich ;) Danke bereits an dieser Stelle! Bis dahin, bleib gesund, unfallfrei, verletzungsfrei und sportlich! Dein Marco Folge direkt herunterladen

Aloha! In dieser Episode des Triathlon Podcasts spricht Marco mit Agegrouperin Anna Held! Anna erzählt von ihrer Begegnung mit Jonas Deichmann und wie dieser sie motivierte, an der Challenge 120 in Roth teilzunehmen (insgesamt 6 mal !). Anna spricht auch über die Herausforderungen, die sie bewältigen musste, und die Unterstützung, die sie von ihrer Familie und Freunden erhielt. Sie teilt ihre ersten Wettkampferfahrungen, die Bedeutung einer gesunden Ernährung, insbesondere der ketogenen Ernährung, und wie sie es schafft, Sport und Familie in Einklang zu bringen. Anna betont zudem die verbindende Kraft des Sports und ermutigt andere, ihre Träume zu verfolgen und niemals aufzugeben. Super inspirierende Podcastfolge ! Unbedingt anhören, überall wo es Podcasts gibt! (Der Podcast enthält unbezahlte Werbung und Marken Nennungen - für die wir aber beide nichts bekommen!) Shownotes: Anna Held in Instagram => https://www.instagram.com/anna_held_tri Link zum MKN Küchenschnack Podcast => https://www.mkn.com/podcast Kurzlink zur Spendenaktion zugunsten von Lichtblick Seniorenhilfe e.V. => betterplace.org/spenden/triathletenhelfen oder KLICK HIER zur Spendenseite in Betterplace.org Website von Lichtblick Seniorenhilfe e.V. => https://seniorenhilfe-lichtblick.de/ Wichtige Info: Dir hat die heutige Podcastfolge mit Anna Held gefallen? Na dann lass gern einen Kommentar in Socials da und teile die Podcastfolge mit Deinen Freunden/Freundinnen, Vereinskollegen/Koleginnen, und allen die sie anhören sollten! Abonniere Triathlon Podcast, um keine zukünftige Folge zu verpassen (Spotify, Apple Podcast) und dann hören wir uns bald wieder. Ach ja, eine Bewertung des Podcasts wäre auch klasse! Da freue ich mich immer wie ein kleiner Junge drüber ;) Bis dahin, bleib gesund, unfallfrei, verletzungsfrei und sportlich! Dein Marco Folge direkt herunterladen

Nuair a smaoiníonn muid ar Ghaeltacht, is minic a thagann íomhá chugainn d'áit iargúlta, cois farraige, ar imeall na tíre. Ach le 100 bliana anuas, rinneadh iarrachtaí déanta le nua-Ghaeltachtaí a bhunú sna cathracha agus ar imeall na bailte móra. Amharcann Ursula Ní Shionainn siar ar roinnt de na hiarrachtaí seo. Cad chuige gur éirigh le ceann nó dhó ach gur theip ar an chuid is mó acu? Foclóir: Dlús: Density Athdháileadh: Redistribution Líonraí: Networks Riachtanais: Requirements Coilíneacht: Colony Léas: Lease Bardas: Municipality Treorach: Directive Tomhas: To gauge Lonnaíocht: Settlement Eiseamláir: Model Bagairt: Threat Ag snámh in aghaidh easa: Swimming against the stream Féiniúlacht: Identity Díchoilíniú: Decolonising Morálta: Moral See omnystudio.com/listener for privacy information.

Aloha! Heute habe ich eine mega interessante Podcastfolge mit Christina Paulus für Dich. Christina hat vor zehn Jahren mit Triathlon begonnen, hat sich damals das nötige Equipment für ihren ersten Start zusammen geliehen und ist in diesem Jahr 2025 Altersklassen Weltmeisterin bei der Ironman WM auf Hawaii geworden, und das alles neben Fulltime Job! Unbedingt anhören, überall wo es Podcasts gibt! (Der Podcast enthält unbezahlte Werbung und Marken Nennungen - für die wir aber beide nichts bekommen!) Shownotes: Christina Paulus in Instagram => https://www.instagram.com/christina__pls/?hl=de Kurzlink zur Spendenaktion zugunsten von Lichtblick Seniorenhilfe e.V. => betterplace.org/spenden/triathletenhelfen oder KLICK HIER zur Spendenseite in Betterplace.org Website von Lichtblick Seniorenhilfe e.V. => https://seniorenhilfe-lichtblick.de/ Wichtige Info: Dir hat die heutige Podcastfolge mit Christina Paulus gefallen? Na dann lass gern einen Kommentar in Socials da und teile die Podcastfolge mit Deinen Freunden/Freundinnen, Vereinskollegen/Koleginnen, und allen die sie anhören sollten! Abonniere Triathlon Podcast, um keine zukünftige Folge zu verpassen (Spotify, Apple Podcast) und dann hören wir uns bald wieder. Ach ja, eine Bewertung des Podcasts wäre auch klasse! Da freue ich mich immer wie ein kleiner Junge drüber ;) Bis dahin, bleib gesund, unfallfrei, verletzungsfrei und sportlich! Dein Marco Folge direkt herunterladen

Aloha ! In dieser Episode des Triathlon Podcasts spricht Julian Scheibenbogen über seinen beeindruckenden Weg von einem übergewichtigen jungen Mann zu einem erfolgreichen Triathleten und sogar Ironman WM Finisher 2025! Julian teilt seine Erfahrungen zur Gewichtsreduktion, die Umstellung seiner Ernährung und die Herausforderungen, die er auf seinem Weg zum Triathlon gemeistert hat. Er erzählt von seinen ersten Wettkämpfen, seiner Vorbereitung auf die Mitteldistanz und schließlich seinem ersten Ironman in Frankfurt. Dabei betont er die Bedeutung der mentalen Stärke und die Lektionen, die er aus seinen Erfahrungen gelernt hat. Scheibi reflektiert über seine Erfahrungen bei der Ironman-Weltmeisterschaft in Nizza, die Bedeutung von Familie und Unterstützung, und auch über seine Motivation, andere zu inspirieren und die Wichtigkeit von Gesundheit und langfristigen Zielen im Sport. Überall wo es Podcasts gibt ! (Der Podcast enthält unbezahlte Werbung!) Shownotes: Julian Scheibenbogen in Instagram => https://www.instagram.com/scheibi.tri/ Kurzlink zur Spendenaktion zugunsten von Lichtblick Seniorenhilfe e.V. => betterplace.org/spenden/triathletenhelfen oder KLICK HIER zur Spendenseite in Betterplace.org Website von Lichtblick Seniorenhilfe e.V. => https://seniorenhilfe-lichtblick.de/ Wichtige Info: Dir hat die heutige Podcastfolge mit Julian "Scheibi" Scheibenbogen gefallen? Na dann lass gern einen Kommentar in Socials da und teile die Podcastfolge mit Deinen Freunden/Freundinnen, Vereinskollegen/Koleginnen, und allen die sie anhören sollten! Abonniere Triathlon Podcast, um keine zukünftige Folge zu verpassen (Spotify, Apple Podcast) und dann hören wir uns bald wieder. Ach ja, eine Bewertung des Podcasts wäre auch klasse! Da freue ich mich immer wie ein kleiner Junge drüber ;) Bis dahin, bleib gesund, unfallfrei, verletzungsfrei und sportlich! Dein Marco Folge direkt herunterladen

Bas Ouwehand, één van de telgen van de familie Ouwehand, is al jaren fan en verzamelaar van kerstmuziek en met name van jazz-bewerkingen van kerstliedjes. Daarbij blijkt hij een lichte voorkeur te hebben voor de ietwat ongebruikelijke en -laten we het maar eerlijk zeggen- een beetje ‘foute’ kerstmuziek. In die hoedanigheid was hij jarenlang de vaste leverancier van de playlist voor de kerst-uitzending van “All That Jazzz”, het wekelijkse radioprogramma over jazz en omstreken op radio 1Twente.  All That Jazzz is, door wijzigingen in het beleid van 1Twente, niet meer via de radio te beluisteren. Ach ja, dan doen we toch gewoon via Jazzpodium de Tor! Vandaar dat “All That Jazzz” voortaan door het leven gaat als TORcast. De muziek wordt er niet minder om… Lambert, Hendricks & Ross: Deck us all with Boston Charlie The Andrew Sisters: Jing-a-ling, jing-a-ling Bing Crosby, Louis Armstrong: Now you has Jazz Niels Jörgen Steen 4tet: Sleigh ride Niels Jörgen Steen 4tet: The Christmas song Marijn Ouwehand en Ruud Ouwehand: It's beginning to look a lot like Christmas Johnny Mercer & the pied pipers: Santa Claus is coming to town Dickie Valentine: Snowbound for Christmas Brandford Marsalis en Harry Connick Jr.: Some children see Him Harry Connick Jr.: Christmas dreaming Peggy Lee: It's Christmas time again George Shearing quintet: Ding dong merrily on high Rob van Bavel: I'm dreaming of a white Christmas Aan tafel in deze TORcast: Bas Ouwehand, Ruud Ouwehand, Marijn Ouwehand, Miriam Kroeze, Esther Hageraats en Willem Habers. Beluister deze TORcast

Je 23. a vy nemáte vaječný likér v byte? Ach, vy bzdochy! Nevadí, v dnešnej špeciálnej vianočnej epizóde vám Adam s Gabom Žifčákom ukážu, ako si pripraviť vaječný likér aj vianočný punč. Alebo viete čo, radšej to doma neskúšajte. Okrem toho, ako nerobiť punč, sa dozviete aj to, čo je nové so Svedkami Liehovovými, prečo sa Gabovi nepáči, ako Adam moderuje, či východniari naozaj držia spolu a ako si Gabo vyberal psa, ktorý teraz absolútne ovláda jeho instagram. PS: Tento diel by sa mal pozerať, takže vám odporúčame presunúť sa na náš YouTube. Budete mať z toho oveľa väčší zážitok. - HLASUJ ZA TRAGÉDA ROKA: http://piatocek.com - Dajte odber na náš nový YouTube kanál: ⁠http://youtube.com/@piatocek⁠ - Instagram:⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/piatocek_podcast/See omnystudio.com/listener for privacy information.

In this week's episode, Allen sits down with J. Jordan Thaeler — retail strategist, founder, operator, and the mind behind ReformingRetail. If you've ever wondered why retail keeps breaking… and what it actually takes to fix it… this conversation is for you.Jordan brings the unfiltered truth about:✔️ The real problems facing retail today✔️ What companies get wrong about growth & data✔️ Why most tech solutions miss the mark✔️ How to build retail operations that actually work✔️ The future of brick-and-mortar and digital integration✔️ Lessons from years advising retailers and foundersThis episode is packed with insights, straight talk, and the kind of perspective you won't find anywhere else.

Refresh, Repurpose, Roar to 2025 Author Success In this week's AuthorU-Your Guide to Book Publishing, Host Dr. Judith Briles walks you through over a dozen tips and strategies to support your author success for this year. It came in #2 with the most downloads from listeners with over 200,000. Your takeaways include: -why you should start with a review and redo of your website -how to bring POP to your social media profiles -why you should revisit your Amazon Author Central page -why you should revisit and polish your Amazon book detail page -why you should revisit and alter your Amazon categories and keywords -why you should check that all links work on your website -why you should add OR polish your media tab on your website -what and why you should do dumping of sections on your website -why its time to realistically look at what photos you have on your website -why its time to revisit your email list and clean it up And, of course, much more. Tune in for lots of ideas and how-to tactics via the AuthorU-Your Guide to Book Publishing podcast. It's ranked in the Top Ten of bookmarketing campaigns. Since its inception seven years ago, the AuthorU-Your Guide to Book Publishing podcast with over 21 million listeners downloading various shows for practical publishing and book marketing guidance. Join me and become a regular subscriber.

Feli ist zurück aus Mexico und wollte eigentlich nur ankommen und den Urlaub nachwirken lassen. Stattdessen hat sie einen fetten Bryan-Adams-Ohrwurm, hinterfragt ihr Spotify Wrapped, vermisst Rihanna und fragt sich, was für komische Musik in den Sex-Playlists ihrer Freundinnen ist. Aber ein bisschen von Mexico muss sie noch erzählen: Trommelwirbel … sie hat zum ersten Mal einen Mann angesprochen. Und natürlich war ihre Mutter mal wieder ein grandioser Wingman. Aus ihrem heißen Cowboy-Traum wurde zwar leider nix (Spoiler), aber immerhin hat sie es mal versucht. Ach, und was Feli ihrer Community noch mitteilen muss: Lasst Tofu nicht über zwei Wochen im Schrank gammeln. Lernt aus ihren Fehlern! Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/lifeisfelicious Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio

Ist Vitamin D Mangel der Ursprung allen bösen? Eine absurde Frage? Vielleicht, aber das wisst ihr erst, wenn ihr die neue Folge gehört habt. Darin geht es dieses Mal um Harry, wie er mal wieder in Voldemorts Gedanken chillt. Denn auch wenn Harry sehr froh über das ganze Lob über sein Interview im Klitterer ist, so schlimm sind noch immer seine Träume. Und nun beginnt eine sehr komplizierte Episode in der angedeutet wird, was Voldemort eigentlich plant. Ein Glück, dass ihr uns habt, die das mal alles auflösen. Ach und dann gibt es noch eine versteckte erotische Szene. Hört Mal rein, ob ihr die Szene auch so interpretiert. Ach und wir haben ein wenig über eure Spotify wrapped gesprochen und was ihr so hört! ​Und jetzt viel Spaß beim Zuhören! :)​Hier geht's zu unserem Whatsapp-Kanal: https://whatsapp.com/channel/0029VbB8C00CRs1obJUivo2Z​Wir haben auch eine Patreon-Seite!​Schaut doch mal vorbei, es gibt Bonus-Episoden, Sticker und andere aufregende Dinge! Besucht uns auf den sozialen Netzwerken, unserer Webseite und erzählt euren Freunden von uns! Vielleicht haben die ja auch Lust auf einen Harry-Potter-Podcast!​Webseite: www.Happy-Potter.netPatreon: www.patreon.com/happypotterDiscord: https://discord.gg/2EajMaGXpcFacebook: www.facebook.com/happypotterpodcastInstagram: @happypotterpod​Und wir haben jetzt auch Playlists mit unseren Lieblingssongs:​Martins Playlist:https://open.spotify.com/playlist/2IBxDsPVm1UdNBiW2QkgEJ?si=rU6HLkoFQfGGjvab8g8yEQ&pi=e-bKuIHap7RWCu​Sophias Playlist:https://open.spotify.com/playlist/0kuOP0TujMhrqOWzLwUH1O?si=9LIZkc2nQTOajHPaqpP_RA&pi=e-tc6w0NgQRo-W Hosted on Acast. See acast.com/privacy for more information.

„Ach, ta historie na facebooku. Za to se snad stydí každý z nás, když na mě vyskočí jednou za čas, nejraději bych ji celou smáz,“ začíná takzvaná rychlovka Jana Pokorného alias Pokáče, která glosuje dění kolem problematických postů Filipa Turka (za Motoristy). „Preferuji rychlovky nepolitické, protože politika je vyhrocené téma. Takže se snažím psát, když je hokej nebo Vánoce. Jenže ty jsou každý rok stejné. Zato ve společnosti se dějí různé věci,“ říká v Osobnosti Plus.

In this episode of Banking on Fraudology, Hailey Windham reflects on a transformational year in fraud by unpacking recent, high-stakes cases and zooming out to address the "seismic shift" in the payment ecosystem. The conversation dives into the industry's evolution , highlighting how human intuition, technology, and a unified view of risk are shaping the future of fraud prevention. Key Takeaways: Cases, Controls, and the Future of PaymentsEmpathy and Human Intuition are Essential: The episode shares several cases that underscore the power of the human element.The Mrs. Doubtfire Scam: A bizarre case where a man disguised himself as his deceased 82-year-old mother to collect her pension for three years. The case was cracked by a frontline clerk who noticed the hands looked too young and the voice slipped, proving that intuition is irreplaceable. The Frontline Hero: A Missouri bank teller saved a woman from a jury duty arrest scam by quietly slipping her a note, proving that no AI system can replace human compassion and intuition. The End of Siloed Intelligence (Internal Threat): Insider threats highlight a control problem, not just an employee problem. Cases involving unauthorized withdrawals, debit card ordering, and forged checks by multiple employees at a major US bank point to patterns of inadequate monitoring and excessive permissions. The Tacoma Credit Union case, where a remote employee stole $345,000 weeks after hire, reinforces that remote work requires stronger oversight, and new hires are high-risk periods. Innovation is Working For Us (External Threats): Scams are evolving alongside technology. Scammers are using real bank activity (transaction amounts and timestamps) to build trust and bypass knowledge-based authentication. New tactics include fake CAPTCHAs that install malware to bypass 2FA, log keystrokes, and spy on sessions, leading to rapidly climbing losses. The State of the Fraud Fighter (Payment Rail Shift): The industry must adapt to the speed of instant payments. Scams are the #1 driver of losses across every rail (ACH, Wires, P2P, Zelle, RTP, FedNow); the vulnerability is social engineering, not the rail itself. The number one strategic imperative is to build a unified, real-time view of risk across every payment rail, as regulators now demand real-time resilience and proof that harm could have been prevented. Get in the mood of being grateful for the fraud-fighting community, and be reminded of how strong the fraud-fighting community truly is. Show Notes — Resources & Articles MentionedInsider Fraud Cases1 - Multiple Trust Employees Accused of Draining Customer Accounts — $363,452 in Losses2 - The “Mrs. Doubtfire” Fraud Case (Italian Identity Fraud Scandal) - Source via Frank on Fraud (PDF)3 - Tacoma Credit Union Insider Steals...

Wir alle wollen gesehen werden. Das heißt, dass andere Personen unsere Wahrnehmung der Realität akzeptieren. Die Psychotherapeutin Kathi Henz nennt das »Validieren«. Warum das vielen so schwer fällt und wie man es lernt, hat sie mir erklärt.

In the first part of a sort of crossover with the Advent Calendar House podcast, Mike Westfall joins Michael and Rob to talk about an unusual version of A Christmas Carol. From CBS's 1954 anthology variety show, Shower of Stars, it features Fredric March as Scrooge, Basil Rathbone as Marley, and bunch of questionable songs. And be sure to tune in next Sunday to ACH for Part Two in which Michael and Rob will join Mike to discuss another musical Christmas Carol, 2004's A Christmas Carol: The Musical starring Kelsey Grammer, Jason Alexander, Jane Krakowski, Jennifer Love Hewitt, Jesse L Martin, and Geraldine Chaplin.

Allen Kopelman returns with another insightful episode of The Biz To Biz Podcast, joined by special guest Albert Howard — entrepreneur, innovator, and leader focused on building better business systems through smarter tech and stronger processes.In this episode, we dive into:✔️ Albert's journey and the lessons he's learned leading teams and growing brands✔️ Why businesses struggle with operational bottlenecks — and how to eliminate them✔️ The role of modern technology in creating scalable, efficient organizations✔️ A fresh perspective on leadership, accountability, and culture✔️ Practical tips you can implement today to strengthen your business foundationWhether you're an entrepreneur, team leader, or business owner looking to push your organization forward, this conversation delivers tons of actionable value.

In this week's episode, James Shepherd sits down with Allen Kopelman, CEO of Nationwide Payment Systems and host of the B2B Vault podcast, for a wide-ranging discussion on the biggest shifts reshaping merchant services today. From the Visa/Mastercard settlement and VAMP chargeback rules to the growing pressure on ISOs to own their tech stack, Allen shares what he's seeing firsthand — and why agents must rethink how they sell, support, and position technology to compete in 2026 and beyond. They break down the rise of processor-agnostic software, the future of hardware, the growing push for ISOs to streamline onboarding with automated funnels, and how agents can stay relevant by focusing on the right verticals, the right partners, and the right products. After the interview, James and Patti Murphy dive into a new Today in Payments, breaking down fresh data on holiday spending, the continued rise of Buy Now, Pay Later, and the growing momentum behind real-time payments like RTP and FedNow—and how they compare to legacy ACH rails.

Fraud losses are climbing, checks are supposedly fading, and yet check fraud is hitting all-time highs. We sat down with Mike Timoney, a payments veteran now leading secure payments work at the Federal Reserve, to unpack that paradox and chart a path to stronger defenses across banks, fintechs, and businesses of every size. The conversation moves from frontline realities to system-wide fixes: why paper is still a prime target, how modern scams bypass technology to persuade people, and what practical tools can help teams react faster than criminals can pivot.Mike shares a global-to-local career arc (from international banking to ACH, wires, and cards) before taking on fraud across channels and ultimately joining the Fed. That perspective shapes a clear mission: keep the U.S. payment system trusted and reliable by educating the industry, building relationships, and mapping threats without prescribing vendors. We dive deep into two new resources: a check fraud mitigation toolkit with visual examples, pattern tells, and tips like positive pay; and a scams mitigation toolkit that decodes phishing, smishing, and business email compromise through case studies and actionable defenses. Both are designed as short, usable modules that help community banks train staff and help larger teams keep pace with evolving tactics.We also tackle the hard part: collaboration and transparency in a fragmented U.S. landscape. With thousands of institutions and varied state privacy rules, information sharing is tough - but not impossible. Mike outlines privacy-enhancing approaches that share patterns, not identities, so institutions can broadcast what criminals are doing without exposing who was hit. AI features throughout the episode as a double-edged sword: it supercharges detection and accelerates response, while giving fraudsters new ways to scale social engineering. The key is narrowing the response gap through better models, faster signal exchange, and continual education.Walk away with three priorities: make fraud everyone's job through constant micro-education, keep learning as tactics shift, and share signals across your peer network. If this conversation helps you see a new control, training idea, or partnership opportunity, subscribe, share the episode with your team, or contact Mike for more information. 

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

STERNENGESCHICHTEN LIVE TOUR in D und Ö: Tickets unter https://sternengeschichten.live Hallo liebe Hörerinnen und Hörer der Sternengeschichten, Kurz bevor das Jahr zu Ende geht, melde ich mich noch einmal außerhalb der normalen Folgen bei euch, denn es gibt ein paar wichtige Dinge, die ich euch sagen möchte. Das wichtigste gleich zu Beginn: Die Veränderungen im Podcast, die ich im Titel angesprochen habe, bedeuten nicht, dass die Sternengeschichten nicht mehr so sein werden wie jetzt. Das wird alles so bleiben wie immer. Ich möchte nur eventuell etwas zusätzliches, neues machen. Aber dazu kommen wir später. Zuerst möchte ich auf die Live-Shows zu meinem Podcast hinweisen. Es gibt noch ein paar Termine für 2025 und einige für 2026, aber das werden die letzten Termine sein. Ich werde die Live-Shows danach bis auf weiteres beenden; nicht weil sie keinen Spaß gemacht haben und nicht, weil niemand sie sehen wollte. Ganz im Gegenteil. Aber aus Gründen, die zu komplex sind um sie hier zu erläutern und aus Gründen, für die ich selbst auch nichts kann, hat sich die ganze Organisation der Tour als äußerst unerfreulich erwiesen, sowohl aus persönlicher als auch aus finanzieller Sicht. Aber der Punkt um den es geht ist: Wenn ihr meine Live-Show noch besuchen wollt, dann geht das bis auf weiters nur an den Terminen, die derzeit im Verkauf sind. Wenn ihr mich im Ruhrgebiet sehen wollt, also in Essen, Düsseldorf und Dortmund, dann müsst ihr zu den Shows kommen, die demnächst stattfinden. Nämlich am 10. Dezember in Essen, am 11. Dezember in Dortmund und am 13. Dezember in Düsseldorf. Am 14. Dezember bin ich mit der Show das letzte Mal in Berlin, da ist zwar schon quasi ausverkauft, aber es kann sein, dass kurzfristig noch Tickets in den Verkauf kommen. 2026 kann man die Show auch in Österreich sehen; am 29. Januar in Wien, am 30. Januar in Salzburg, am 20. Februar in Wörgl, am 26. Februar in Oberwaltersdorf und am 28. Februar in Linz. Danach geht es Ende 2026 im Norden von Deutschland weiter, am 3. Oktober bin ich in Lübeck und am 4. Oktober in Hamburg. Der einzige Auftritt in Bayern wird 2026 am 23.10 in Fürth stattfinden. Im Osten bin ich am 9.November in Erfurt, am 10.November in Leipzig und am 11. November in Dresden. Am 24. November geht es ein letztes Mal nach Bremen und die allerletzte Live-Show wird am 26. November in Osnabrück stattfinden. Wenn ihr mich live mit den Sternengeschichten sehen wollt, gibt es dafür leider nur noch diese Möglichkeiten. Tickets und die weiteren Infos dazu findet ihr unter sternengeschichten.live Ich würde mich freuen, euch zu sehen - denn trotz allem macht es immer wieder großen Spaß, nicht nur ins Mikrofon zu sprechen, sondern live zu euch. Ach ja - und bevor ich es vergesse: Die ganz Kurzentschlossenen können mich am 3. Dezember in Schwandorf besuchen, da halte ich meinen Vortrag "Eine Geschichte des Universums in 100 Sternen" und am 4. Dezember bin in Freistadt mit einem Vortrag zu "Wie viel Astronomie steckt in einem Glas Bier?". Soweit zur Live-Show. Der zweite wichtige Punkt betrifft den Podcast selbst. Wie gesagt: Es wird sich nichts ändern; es wird weiterhin jeden Freitag eine neue Folge der Sternengeschichten geben, so wie ihr es seit 13 Jahren gewohnt sein. Ich überlege aber, zum Beispiel einmal im Monat noch eine extra Folge zu veröffentlichen; in einem etwas anderen Format. Eine Spezialfolge, wo ich vielleicht auch auf die eine oder andere Neuigkeit aus der Wissenschaft eingehen kann, was ich ja in den regulären Folgen nicht mache; wo ich vielleicht auch auf Feedback aus der Hörerschaft eingehen kann und wo ich Dinge besprechen kann, wie ich sie jetzt gerade in dieser Spezialfolge bespreche. Wer den Podcast finanziell unterstützen möchte, kann das hier tun: Mit PayPal (https://www.paypal.me/florianfreistetter), Patreon (https://www.patreon.com/sternengeschichten) oder Steady (https://steadyhq.com/sternengeschichten) Sternengeschichten-Hörbuch: https://www.penguin.de/buecher/f