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Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this final holiday edition of The Wright Report for the week, Bryan shares economic good news, responds to listener questions about immigration, judges, and American identity, and offers a deeper reflection on what it truly means to be an American in a time of division, foreign influence, and cultural strain. Economic Bright Spots After Christmas: New data from Visa, MasterCard, and American Express show holiday spending rose between four and six percent year over year. GDP growth for the third quarter came in at a strong 4.3%, beating expectations. Bryan notes that while wealthy Americans are still doing well, middle and lower-income families continue to struggle with affordability. He argues the data supports Trump's case that tariffs and deportations did not crash the economy, but instead helped stabilize growth and reduce crime. Crime Falls as Deportations Rise: More than seventeen thousand illegal immigrants have been arrested under the Laken Riley Act, with two and a half million deported or self-deported over the past year. Early crime data suggests declines in murder, robbery, and vehicle theft. Bryan cautions the data is still incomplete but says the trend aligns with common sense and historical experience. Military Recruiting Surges: The U.S. military reported its strongest recruiting numbers in fifteen years. Bryan credits leadership changes at the Pentagon and renewed focus on mission and standards, pushing back on critics who predicted chaos under Secretary Pete Hegseth. Judges, Bias, and the Rule of Law: Listener questions focus on Democrat Judge Hannah Dugan's conviction for helping an illegal immigrant escape her courtroom. Bryan explains why jury reluctance to convict shows the cultural divide remains deep. He also defends his practice of identifying which president appointed judges, arguing that judicial bias is real and supported by Supreme Court reversal data. What It Means to Be an American: Bryan expands on Monday's debate about American identity, pushing back on Vivek Ramaswamy's claim that no American is more American than another. Drawing on the Founders, George Washington's farewell address, and the presidency's constitutional requirements, Bryan argues that allegiance, time in the country, cultural assimilation, and freedom from foreign loyalties all matter. He warns that dismissing heritage and lineage risks turning the United States into a fragmented society similar to modern Europe. Listener Questions and Reflections: The episode closes with unscripted questions on Israel, artificial intelligence and future jobs, personal interests, and Bryan's path from the CIA into broadcasting. He encourages young listeners to pursue skills that require judgment and adaptability, citing careers like the Merchant Marines as one example in an AI-driven future. "And you shall know the truth, and the truth shall make you free." - John 8:32 Keywords: holiday economy consumer spending GDP growth, Laken Riley Act deportations crime drop, military recruiting surge Pete Hegseth, Judge Hannah Dugan conviction immigration, judicial bias Supreme Court reversals, what is an American Founders Washington farewell, Vivek Ramaswamy citizenship debate, assimilation heritage American identity, AI jobs future Merchant Marines
Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/EVABizWe break down exactly how to book EVA Air Business Class for families, including which aircraft types to look for and a step-by-step walkthrough of the booking process. We also share about the EVA Hello Kitty flight experience. Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:14 EVA Aircraft Types2:18 Step by Step EVA Business Class for Families7:33 Stopover/Layover Activity8:09 The Hello Kitty Flight ExperienceLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Biggest Transfer Bonus of the Year00:11 Finding Business Class Deals to Europe05:46 Exploring South American Flight Deals09:23 Luxurious Flights to the Middle East12:54 Incredible Deals to Asia17:12 Conclusion and Additional ResourcesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Vous avez peut-être vu la vidéo hilarante que Elton John a publiée ces jours-ci dans laquelle il n'arrive plus à ouvrir une porte chez lui, que ce soit celle de son living, frigo et même le four dans sa cuisine, sans entendre une chanson de Noël en sortir. Elle lui a d'ailleurs valu une remarque sur la propreté de la porte intérieure de son four, alors que l'artiste est réputé pour ne pas supporter la moindre saleté ni le désordre.Mais bref, cela n'a rien d'étonnant car le mois de décembre en Grande Bretagne est un mois chargé comme on n'en voit nulle part ailleurs dans le monde. Ce n'est pas pour rien que c'est là qu'est née la fête telle que nous la pratiquons aujourd'hui, le Christmas Carol de Charles Dickens en est d'ailleurs la preuve.Mais bon, il aime ça aussi, Elton John, tout comme son ami Freddie Mercury. Aah, la Noël, c'était sacré. Ces deux gars qui avaient connu une enfance compliquée à tous les niveaux, avaient du retard à rattraper quand ils sont devenus des stars riches comme Crésus. Ca y allait les cadeaux chez Cartier, Fortnum & Mason ou Tiffany, à Londres et à New York, le samedi avant la Noël. Un ami de Freddie Mercury se souvient qu'une année chez Harrods, Freddie s'était vu refuser sa carte American Express, pour cause de solde dépassé, tellement il y était allé fort en bouteilles de parfum pour ses invités. Freddie était comme ça. Sûrement le plus calme de la bande en privé, quand il était chez lui, à Manhattan, Kensington ou Montreux. Il était loin d'être le plus extravagant avec ses proches, c'était plutôt les autres qui se déchaînaient, trop heureux d'être avec LUI, la rockstar. Freddie, lui, cherchait juste le réconfort d'un noyau de gens qui l'accepte pour ce qu'il est, pas ce qu'il chante. Voilà sans doute le pourquoi de l'avalanche de cadeaux. Pareil pour Elton John. D'ailleurs, vous vous souvenez dans le film Love Actually, quand il invite Bill Nighy alias le punk Billy Mack devenu N°1 du Top40. L'auteur n'a rien inventé, Elton John est connu pour ses fêtes de Noël à la hauteur de la ferveur populaire qui saisit les Britanniques. C'est vrai qu'on y fête plus le sapin, la dinde et la cuvée spéciale que le petit Jésus dans la crèche.On raconte qu'il y invitait souvent son voisin le prince Philippe et la reine, ses voisins à Windsor, et qu'ils déclinaient poliment. Par contre qu'il y ait compté dans les années 90, un certain Robbie Williams et les Spice Girls pour l'écouter jouer au piano jusqu'à huit heures du matin, ça c'est lui qui l'a raconté. Tout cela avait lieu, évidemment, dans sa maison de campagne, loin des voisins qu'on aurait pu déranger. Imaginez Geri Halliwell en robe de mère Noël ultra courte, en train de hurler dans la cour Merry Christmas avec Robbie Williams. Freddie était, sur ce coup-là, plus discret, je vous l'ai dit, comme en atteste l'unique disque de Noël publié par Queen en 1984, et dont la carrière a été, cette année-là, éclipsée par l'immense single du Band Aid.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to SavvyTravelMamas00:28 Meet Joy and Mara: The Travel Experts01:43 Timeshare Presentations: Are They Worth It?02:05 Mara's Journey into Points and Miles02:33 The Evolution of Travel Hacking03:28 Discovering the Power of Points05:58 The Big Wins in Points and Miles07:29 The Start of Timeshare Adventures09:07 Navigating Timeshare Presentations10:00 Maximizing Timeshare Benefits12:20 How to Get Targeted for Timeshare Offers14:27 Evaluating Timeshare Deals19:42 Handling Timeshare Presentations Like a Pro31:24 Final Thoughts and Where to Find More TipsYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Joy & Mara at:➤ Instagram: https://www.instagram.com/savvytravelmamas/ ➤ Facebook: https://www.facebook.com/savvytravelmamas/ ➤ TikTok: https://www.tiktok.com/@savvytravelmamas Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
As we re-release this conversation with CFO Karen Williams during the holiday week, we're opening the episode with a short preface drawn from something she shared recently on LinkedIn. In a post about books that shaped her as a leader, Williams reflected on culture, bias, and the importance of staying open to different perspectives—ideas that echo throughout this episode and frame how she's built her career.Those themes weren't always obvious early on.Williams traces a formative lesson back to her move from a 20-person startup into Mars, where she says she “bombed at networking.” Accustomed to a small, family-style environment, she kept what she describes as a “head down, get on with it” mentality. She didn't yet understand the importance of relationships and networks, she tells us, and after a couple of years, she left.That experience reshaped how she approached her next chapter at American Express. The culture there was “very people focused, very relationship driven,” Williams tells us, but progress still came slowly at first. It took time to move from analyst to manager as she built credibility and learned how influence actually works inside large organizations. Once she reached that level, things accelerated quickly.A structural gap gave her direct exposure to a divisional CFO, who became her sponsor and helped unlock three to four subsequent roles, Williams tells us. Over fifteen years, she held roughly nine roles at American Express—calling the experience her “Harvard School of training years.”In the episode, listeners will also hear how Williams continued to stretch herself by moving out of finance into business leadership, leading strategy through disruption, and later stepping into CFO roles where unexpected challenges—like cleaning up a balance sheet—tested her early credibility.It's a conversation about learning, reflection, and how experience—especially the uncomfortable kind—shapes leadership over time.
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Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/TokyoRecapDiscover how we planned the ultimate Tokyo adventure using points and miles to book luxury flights and premium hotel stays for a fraction of the cost. Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:24 Wrapping Up 2025 in Las Vegas3:33 Our Flights to Tokyo36:03 Our Hotels in Tokyo40:21 Transportation within Japan46:58 Our Activities in TokyoLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
We have Mike Monaghan on the show today and covering the “Birth of an ETF.” He’s going to talk about the Founders ETF and its new launch. We’re also going to talk a little bit about what it takes to get an ETF up and running. From a compliance perspective, remember, there’s no guarantee of future performance. https://youtu.be/o-m3PYHKXqk?si=qBaHkJpUt7xgdpjG Transcript of “The Birth of an ETF” 00:00 The Founders ETF Frazer Rice (00:00.986)Welcome back, Mike. Michael Monaghan (00:02.616)Frazer, it’s great to be back. Frazer Rice (00:04.4)You are at an interesting point in time right now. You’re about to start up Founders ETF and I think you’re about to get trading authorization to get going. Maybe tell us a little bit about the process to set up an ETF. Then we’ll dive into the strategy a little bit. Michael (00:21.25)Yeah, absolutely right. We should start trading on the SIBO Thursday, so two days from now. And we’ve launched our first fund, the Founders 100, that owns the 100 best founder-led companies. I’d be happy to go through some of the process that it takes to set up an ETF. Frazer Rice (00:40.014)Love it. ETFs are the main way to go now in terms of getting an inveestment cvhicle up and running. What has your experience been around? The Popularity of the ETF Structure Michael (00:52.014)Yeah, so ETFs have become the primary investment vehicle for a few reasons. Let’s outline those reasons. Then we can go through some of the steps that it takes to set up an ETF. So on the advantage side of an ETF, they’re typically a bit lower cost than traditional mutual fund products. Importantly, they’re tax advantaged. So there’s no gains or losses that occur during the normal ETF growth phase. Everything that happens within the ETF is done with what’s called an authorized participant. So you do exchanges. And so there’s no capital gains that are assigned to the investors. As long as they hold the ETF, a tax trigger only occurs when they actually sell the ETF. Finally, it’s a great way to get exposure to the market. So whether you want to own a broad market index, one of the legacy indexes, or a vehicle like ours. That gives you in one single trade, rather than having to guess who’s going to win. Is Nvidia going to win or Palantir who’s going to win? You can own a hundred of the best winners in the market in one single stock ticker. In our case, FFF. Frazer Rice (02:07.364)So let’s dive into that theme a little bit. As you said, it’s the top hundred founder led companies. First and foremost, public I assume, private, you’re not diving in those waters. Public vs Private Michael (02:20.59)Correct. So these are the hundred best publicly traded founder led stocks. And we generally fish from the 200 largest founder led publicly traded stocks. So a lot of these are names and founders that are very well recognized. Whether it’s Elon at Tesla or a Mark at Metta, Larry at Oracle, Rich Fairbanks at Capital One. These are all very well known founders. They’re great entrepreneurs who are leading highly scalable, very high performing publicly traded stocks. 02:53 Understanding Founder-Led Companies Frazer Rice (02:53.914)So let’s define founder a little bit. Obviously we have sort of the cult of personality around high-end CEOs. It sounds like you’re identifying companies that have been founded. The people who are running them not only founded them, but they scaled them. They have now gotten them to a level of maturity. That’s different from the typical public company that we find in the S &P 500. Definition of Founder Michael (03:19.104)Yeah. So first let’s define a founder. Then let’s talk about why we think the founder led companies outperform a traditional S&P company. We define the founder as being a chief executive leader. It could be chief executive officer, could be chief technology officer. Sometimes that say a scientific or medical company, would be the chief scientific or chief medical officer. And that person conceived and founded the company, took it from zero to one. It’s their imprint that has guided it over its 10 or 20 or 30 year period. That’s taken it from a small private company to a venture backed company to a large publicly traded company. And so the idea being the person that founded it continues to run it to this day. We talk about the fact that we own an Nvidia that Jensen still runs. But we don’t own Intel. We own Meta because Mark still runs it, but we don’t own Google. We own Dell computer because Michael Dell still runs it. But we don’t own Apple. We own Capital One because Rich Fairbank still runs it, but we don’t own American Express. Investment Process Frazer Rice (04:25.86)Got it. So lots of things to get into here. How does it a company get on your radar screen? And then ultimately, how does it get off of it? Michael (04:35.806)Great question. the getting on the screen is fairly mechanical. We look at the 200 largest by market capitalization founder led stocks. So we look at all U.S. listed. So it could be listed on the New York Stock Exchange or NASDAQ, but it has to be U.S. listed. We then look at the 200 largest. And from there, we select the 100 best using a quantitative factor model. So I’m have a Sanford Bernstein background and so do some of the folks here. And so for folks who are familiar with Bernstein’s research, we use a Bernstein factor model to pick the best, the hundred best names out of the 200 largest. That’s how they get on our radar. And to get off is quite simple if they retire. So if a CEO announces he’s retiring, per the prospectus, we have 90 days to sell the stock. once we, so for example, Mr. Buffett recently stepped down from Berkshire Hathaway. And so we sell Berkshire Hathaway on his announcement and no longer own the stock. Frazer Rice (05:38.0)things like corporate mergers or divestitures or maybe even a reclassification of stock where the founder stays on in some capacity but their decision making has been reduced. How do you analyze that? 05:54 The Investment Strategy Behind the ETF Michael (05:54.326)Yeah, so there is some human overlay judgment calls here and the founder has to be an executive officer leading the company. So they can’t just run a division. They can’t just be chairman of the board. They have to be the executive in charge of running the company. Frazer Rice (06:14.0)And if for, I guess one of the exits possibly would be if, and I don’t know if this is even possible, but if NVIDIA were to take over Meta and there isn’t room for Jensen and Mark in the same suite, how do you analyze something like that? Michael (06:34.253)So in the business combinations where you have two founder-led companies or a non-founder-led company swallowed up by a founder-led company, as long as an original founder remains, it remains in the portfolio. So we’ve had some stocks that had, say, three to four co-founders. And as long as one of those co-founder remains, it remains in the portfolio. Voting Shares Frazer Rice (06:58.352)So one of the things that’s a bee in my bonnet is the concept of having shares where, in a sense, they’re super majority or voting components and then shareholders that have less decision making authority to act as a check and balance around the company. Is that something you’re not really that worried about or is it something that may be a factor that’s important later on? Michael (07:24.525)So we actually think that’s one of the opportunities that this exists. Like one of the things that we haven’t talked about yet is why is all this alpha there? Why is this uncaptured alpha there for us to go get? And we think historically in the past, active money managers have sometimes shied away from these founder led companies because to your point, Frazier, oftentimes the founder has managed to have super voting control, 10 to one shares, 101 shares. So they completely control the company. And some of these larger active money management complexes have said, well, we as the shareholder, we need to be able to have a vote and we’re going to underown these stocks. We have the opposite view. We think these founders are special. So we think that by the time a Mark or a Elon has driven their company into the public markets, they’ve showed that they know how to set the vision, ruthlessly execute and generate value for the shareholders. Concerns? And so we’re not concerned by super voting structures. Oftentimes those are the stocks that we want to own because it’s the founder that’s in control and setting the direction of the business and generating high returns for the shareholders. We view it as you either believe in them and you own the stock or you don’t believe in them and sell the stock. We’re not interested in other people’s getting on the board and monkeying with the decisions of the founders. Frazer Rice (08:30.255)Is this it? What is it about the founders, especially for those that go from zero to one, then to scale, and then to shepherding a mature business? What makes them better and what drives the alpha that you’re trying to seek? In terms of putting together a portfolio of these types of companies? 09:01 The Importance of Founders in Business Michael (09:02.891)Yeah, so the great ones tend to be a bit irreverent. They tend to be highly visionary. They tend to be charismatic communicators and relentless in their execution ability. They’ve got a great ability to pivot if a change needs to be made. And rthe moral authority to set a tone to generate very high rates of return. We see it sort of over and over and over in these founder led companies. And if you look at some of the studies that we’ve done. There’s a study that Bain Capital, Bain had done years ago in combination with Harvard Business Review, founder led companies tend to outperform non-founder led companies in say the S &P 500 by 3X. So it’s this personality type of high vision and high execution tends to drive outsize returns. And it’s a bit of a self-selecting process. What makes Founders Unique? If you think about it by the time any of these founders that we own or talk about have got to the public market. They first had to identify an opportunity to go after. They had to develop a great product by listening to their customers. And they’ve shown that they can scale all the way from a series A round, B, C, D, all the way investing and generating high rates of return in the private markets. Transitions of Founders to Executives They get to the public markets, continue to do that. And now you get a little bit of an effect of a echo of that, of now all of sudden you’re in the public markets. If you get enough scale, you have this highly effective business. Now you’re getting relatively cheap capital that you’re feeding into your business through the public markets. And now you continue to grow. Frazer Rice (10:42.096)Just to summarize at least what I’m hearing is that they’ve gotten to the point of becoming public. They’ve been able to say no to losing control in exchange for either putting some liquidity back in their pocket or otherwise moving on. And so they’ve almost ratified their vision and message and they keep going. And by the fact that they’re public, there’s enough liquidity for everyone else out there in terms of their investments. So it ends up being a win-win. Michael (11:11.157)I think so. That’s what we see. Frazer Rice (11:13.316)So one thing that I’ve been sort of reading about and thinking about is the concept that the number of public companies is becoming less, well, it’s decreasing, and that many people are able to stay private for longer. Do you worry that your universe is going to get too small to provide sort of a canvas for your ideas here? 12:02 Market Trends and Future Outlook Michael (11:37.549)Let’s talk about three phases of that. We don’t, we actually see the data showing that there’s more and more opportunities within founder led. So let’s look at history and then let’s move to the future. So historically, probably about the time you and I joined the securities business, they would actually take the, to your point, they would take the founder, they would kick out this charismatic founder. They would put in some mid-level proctor or GE middle level manager to be the you know, the suit in the room to take the company public. And that was sort of in the late nineties and people figured out that wasn’t such a good idea. So if you actually look at the chart, there’s more and more founders staying and leading their public, their, their publicly traded companies. That’s number one. Number two. Yes. We have seen some companies stay private, obviously Stripe, SpaceX, but we are now seeing, for example, SpaceX coming to the public markets. Eli is talking about coming next year. so we, we haven’t seen it so far impact the pool with which we can fish in. And as I mentioned, that’s what we saw historically. Public Markets and the Future In the future, think, Frazer, I think we’re going to start to see a conversion of public and private markets, meaning these private mega cap companies have liquidity. And I think that you’ll see more and more ability to trade those stocks almost in public liquidity. So I think these two markets are converging. So I think that Not only do we have plenty of founders in the traditional public markets, I think that the liquidity and the big privates is going to converge to a public market style shortly anyway. Frazer Rice (13:13.232)You’re in a curious time as far as launching an ETF around this concept. I know a lot of people are wary of Mag-7 and ultra valuations and issues related to that. How do you respond to that concept that a lot of the growth has taken place in seven, maybe seven out of the hundred that you’ve chosen? Debunking the Mag-7 (to the Mag-3) Michael (13:33.356)Yeah, so that’s a misconception. We see Mike Saylor get on TV and wave his arms around it, but it’s not really true. First of all, what’s interesting, if you tear apart the Mag-7, it’s actually the Mag-3. The outperformance in the Mag-7 has come from Meta, Tesla, and NVIDIA. So it’s not just the Mag-7, it’s a founder led. And now you say, well, that’s a small sample set. Let’s look at a bigger sample set. So if you look at the NASDAQ 100, for example, It’s actually the 20 founder led companies have driven most of the outperformance over the last 25 years. And what I’m about to tell you about the S &P 500 probably won’t surprise you. It’s the 37 founder led companies that have driven most of the outperforming the S &P 500. So the outperformance is coming from founders, not from any specific part of the market. And one of the things that we think is great about this ETF is to avoid concentration. 14:50 Risk Management I know you’re really familiar with the concept of active share and that’s how different you are than the S &P 500. We have an 85 % active share to the S &P 500. So if you own the founders 100 ETF, you have much different exposure to the market than say the S &P 500. And so we think it helps reduce some of that concentration. We’ve done some things to make sure that we are diversified. First of all, we do own 100 stocks. Diversification So really good diversification across that. And then number two, while we run a market weight portfolio, we cap. No stock can be bigger than 7 % of the portfolio, so we don’t get out of balance at any point. So we think that we mitigate some of those concentration risks and we allow people to invest in innovation without being over concentrated to any one name, say the MAG-7, for example. So we think that we’re giving our investors really good exposure to innovation through the founders, but not exposing them to pre-existing market concentrations. And then finally remind everyone It’s not the MAG-7, it’s not the NASDAQ-100, it’s not the S &P-500, it’s the founders within each of these are what are driving the outsized performance in those analytical groups. Frazer Rice (15:36.218)So from a diversification standpoint, obviously not everything in one name, the 7 % cap you described, do you have sector concentration guidelines as well? Michael (15:45.749)We don’t have sector concentration guidelines, but if you look at the nature of the portfolio, we were fairly well diversified. We’re slightly overweight tech and financials versus say the S &P, but we own healthcare stocks, own consumer stocks, we own energy stocks. So we’re giving you a broad exposure to the market. Leverage Frazer Rice (16:05.924)Let’s talk about leverage for a second. I know a lot of people are trying to juice returns by piggybacking off of other people’s money on that front. Does that have a place in your ETF? Michael (16:17.004)So there’s no leverage in the ETF. We sort of believe in get rich the slow way. I like to tell people that it’s very hard to make money in the stock market over the short term, but it’s not particularly difficult over the very long term. think Mr. Munger and Mr. Buffett used to talk about this. the idea being, leverage can impact you in times that are not favorable. So we believe in just owning the stocks unlevered, let them compound over very long periods of time. And we think that by doing that, we and our shareholder, we think our shareholders can generate wealth over very long periods of time. Taxes Frazer Rice (16:54.98)So tax efficiency, the concept of holding period, does that play into your process at all? Michael (17:04.316)So remember within the ETF, as long as you’re managing your trading properly within the ETF, there’s no tax implications inside of it for your shareholders. Your shareholders only would be impacted at selling. So assuming they hold the stocks for over a year, any gains would be long-term capital gains treatment. Frazer Rice (17:27.024)And when you’re describing the investor profile that you’re looking to attract here, who is this for? Michael (17:35.916)Yeah, so the person that, you we really think it’s appropriate for you if you have a five year or more holding period and you want to have long-term capital appreciation. You know, if your goal is to be exposed to the best minds and public securities, that’s the founder led companies, and you want to compound your wealth over a very long period of time and have a high probability of outperforming the traditional broad market indexes, this ETF is designed for you. 17:59 Investor Profile and ETF Positioning Frazer Rice (18:04.705)And as you’re sort of outlining that profile and for those people who are trying to figure out where this fits in from an equity allocation perspective, you’re in charge in many ways of the spoke of a hub and spoke component of people are really sort of looking at indexes as the base of their equity portfolio. What are you looking for? What kind of benchmarks do you sort of measure yourself against? Michael (18:35.007)Yeah, so we think this is absolutely a core holding. So if you’re looking to build out you or your client’s portfolio, we think this should sit at the core. It is on the growth side, so it’s core growth. We think that it is a one-for-one replacement for, the NASDAQ 100. Or, for example, somebody holding the triple Qs. We think this is a better holding than the triple Qs. So we benchmark ourselves against them and against the S &P 500. Ee look at beating those two broad market indexes, generating better risk return for our investors. Frazer Rice (19:13.019)For those listeners that are out there and want to find out more, what’s the best way that they can either get a hold of you or maybe even better, do you have a ticker symbol ready that people can discover? FFF and Contact Information Michael (19:25.215)Yeah, absolutely. So the ticker is FFF. So that’s the FFF ETF that we’ll trade on. And investors can find that at their favorite brokerage firm, whether they’re Schwab customers, Interactive Brokers customers, Fidelity customers, trades under one ticker, just like a stock. Frazer Rice (19:44.365)And let’s take, we have a few minutes to go here, which is great. Your experience in terms of establishing the ETF, maybe a couple of some of the touch points when you went from vision to execution here, what was the process? Michael (20:00.106)Yeah, so ETF has a few basic processes that are regulated under the 1940 Securities Act. And so a lot of those rules are set up to protect the end investors. So for example, the securities live within a trust. So we set up our own trust. Some people use a mingled trust. We thought it was better for our end investors to have our own trust that we set up that has an independent trust board that oversees to make sure that we’re executing our strategies as we’ve outlined in the prospectus to make sure that we’re Doing the best we can for our investors. You’ve got to set that up There’s a few firms that do the plumbing for the for the ETFs would say US Bank is probably the largest player. So US Bank provides our our fund custody and fund administration and then there’s just a few other vendors in the space that sort of help with all the plumbing to make sure that the ETF runs smoothly. So it’s probably a six month process if you stay really focused to get all of that set up. 20:58 Navigating the ETF Launch Process Frazer Rice (21:03.313)You get that set up, how do you approach the Schwabs and the Fidelitys and the other platforms to make sure that people can access, buy, sell, whatever they want to do with your ETF? Michael (21:14.347)Yeah, that’s a great question. So the online brokerages typically put you on the platform as soon as you’re listed on a major US exchange. So you’ve got to get listed on NASDAQ, NYSE or CIBO. We chose CIBO. So again, on the traditional online brokers, you’re there day one. And then the big wire houses, JP Morgan, Goldman, Morgan Stanley, BAML, they typically have a few hurdles that you’ve got to get through, whether it’s daily trading liquidity assets under management. And over time, as you run the wickets through their process, you’re added to those platforms. Macro Issues? Frazer Rice (21:48.721)We live in a political age and a time when there’s just chaos everywhere, different types of rules in order to allocate capital. If you’re an investor trying to guess what’s happening politically, et cetera, that are difficult, you must be positive as far as the environment for founders to find success in this country and beyond. Is there anything that you’re looking for to make sure that those conditions hold? Michael (22:18.225)Yeah, we don’t really look at the macro or political backgrounds. think over very long periods of time, U.S. innovation outperforms. so we sort of we think that, again, one of the great things with investing in founders is they keep adapting as the background changes behind them. So we think over very long periods of time, the U.S. has great economic growth. And for those people that have worried about little blips along the way, we think the founders are the absolute best at mitigating those blips. Frazer Rice (22:48.334)I like to say you bet against America at your own peril and it sounds like from a founder perspective it’s still a great place for them to locate their businesses and grow them here. Michael (23:01.042)Absolutely. 23:50 Final Thoughts and Contact Information Frazer Rice (23:02.971)Just to reiterate, FFF is the ticker symbol for people to find it. any other contact points for people to find you if they’re interested in what you’re putting together. Michael (23:15.613)Yeah, so we have a great website at FounderETFs.com. can go check out there or anyone’s happy to email me, just michael at FounderETFs.com. Happy to chat with anyone who has interest about the portfolio, the strategy, or what we’re building. Frazer Rice (23:32.197)Well, great to have you back on, Mike. Thank you for putting up with my attempt at looking like Steve Jobs. It’s 25 degrees in New York here, and I am the stupid one who’s not in California or somewhere warm. appreciate you taking the time to be on and talking about your new product. Michael (23:48.011)Yeah, it was great to be on here. Really a huge fan of your podcast and just the level of guests that you’re able to interview and help educate your viewers. Frazer Rice (23:56.849)Mike, thanks for being on. Michael (23:59.061)Thanks a lot, Frazer. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Previously with Mike Monaghan ETF EDUCATION ARTICLES ON ETF.COM
In this episode of the Creator Method Podcast, Gary sits down with Jessica Weiss, renowned happiness expert, executive coach, TEDx speaker, and author of Happiness Works. With over 15 years of experience coaching leaders at organizations such as American Express, Johnson & Johnson, and Coca-Cola, Jessica brings neuroscience, positive psychology, and real-world performance insights into the creator economy. Together, they break down why creators feel burned out, overwhelmed, and inconsistent even when things appear to be working. Jessica explains the brain science behind negativity bias, perfectionism, imposter syndrome, and the fear of being seen, revealing why our brains are wired for survival, not happiness, and how that wiring quietly sabotages creativity and confidence. They also explore the emotional cost of constant output, why creators slip into autopilot mode, and how ignoring replenishment shows up in performance, engagement, and data. Jessica shares practical tools for managing pressure, building sustainable creative rhythms, and separating self-worth from metrics so creators can grow without burning out. This conversation is a masterclass in sustainable creativity, mindset, and long-term success. If you are a creator, entrepreneur, or high performer who feels stuck, exhausted, or trapped in a cycle of pressure and self-doubt, this episode will change how you think about your brain, your habits, and your creative potential. Apply for Creator Method https://creatormethod.com/ Follow Creator Method on Instagram https://www.instagram.com/creator.method/ Spotify https://open.spotify.com/show/4Bjs61g10V8MEBjg2pfJFi?si=1a8b57227c8b41d7 Timestamps 00:00 Introduction and Jessica's Background 02:10 Why Creators Feel Overwhelmed 05:00 The Science Behind Burnout 08:20 Your Brain and Survival Mode 11:00 Perfectionism and Inconsistency 14:30 Energy Depletion and Autopilot 18:00 Replenishment and Sustainable Creativity 25:00 Imposter Syndrome and Fear of Being Seen 33:00 Metrics, Mindset, and Self-Worth 40:00 Building a Creator Career That Lasts 48:00 Final Takeaways Follow Jessica Weiss on Instagram https://www.instagram.com/thejessicaweiss/ Follow Gary on Instagram https://www.instagram.com/garylipovetsky TikTok https://www.tiktok.com/@garylipovetsky
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Alaska Miles Sale00:19 Filtering Flight Deals on CSAT Arrow00:31 Understanding Alaska Airlines Points Sale01:07 Finding and Evaluating Flight Deals02:31 Example: Boston to London First Class04:47 Example: Chicago to Tokyo First Class08:21 Example: Cleveland to Dublin Business Class09:46 Exploring More Business Class Options11:44 Conclusion and Key StrategiesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
This episode continues with our series highlighting women at the top of their careers, featuring the remarkable Loretta McCarthy. Loretta, a high level executive, has decades of experience in investment, fund management, and public speaking. She has served in executive roles at both OppenheimerFunds and the American Express company. Currently, she is Co-CEO and Managing Partner of Golden Seeds, an investor consortium that focuses on funding women-led businesses. Golden Seeds has invested over $175 million in companies led by women since it started in 2005. Loretta also serves as a Board member on both corporations and non-profits, including Sanctuary for Families which supports women who are victims of gender violence. Join us for an enlightening conversation on the incredible work that Loretta is supporting!
In this episode of Success Leaves Clues, hosts Robin and Al are joined by Naomi Titleman, Co-Founder of future foHRward and former CHRO of American Express Canada, for a deeply thoughtful conversation about leadership, HR, and what it truly means to make work better in today's complex world. Naomi shares her journey from consulting at Deloitte to senior HR leadership at American Express, and eventually to building future foHRward, a consultancy and community dedicated to empowering HR leaders to lead with empathy, curiosity, and courage. She offers a refreshingly human perspective on HR's evolving role, explaining why the function is no longer about policy and gatekeeping, but about supercharging human performance. Together, they explore the realities of modern leadership, including the loneliness of senior HR roles, the tension between flexibility and productivity, and why culture lives or dies through day-to-day leadership behavior. Naomi also dives into how AI can free HR leaders from administrative overload, allowing them to focus more deeply on people, relationships, and critical thinking. The conversation wraps with a powerful reflection on legacy, mentorship, and the responsibility today's leaders have to plant trees for future generations, even when they may never sit in the shade themselves. This episode is an insightful, grounded exploration of leadership, culture, and the future of work through a human-centered lens. You'll hear about: Naomi's journey from consulting to CHRO to co-founding future foHRward Why HR leadership can be deeply lonely at the senior level What it truly means to “make work better” The shift from efficiency to effectiveness in leadership Why culture is shaped by everyday leadership behavior, not slogans The real meaning of flexibility and hybrid work How asking and listening builds trust inside organizations Why leaders must own people outcomes, not outsource them to HR How AI can enhance, not replace, the human side of HR Planting long-term impact through mentorship and leadership We talk about: 00:00 Introduction 03:30 From consulting to American Express Canada 05:30 Founding future foHRward and building an HR community 08:00 Why HR leadership can feel isolating 10:00 Supercharging human performance 12:30 Flexibility, hybrid work, and the power of “and” 15:00 Leadership effectiveness versus efficiency 17:30 Culture, wellbeing, and day-to-day employee experience 19:30 Asking employees for feedback and actually listening 22:00 Handling feedback you cannot act on immediately 24:30 Common blind spots organizations still face 26:30 AI, automation, and the future of HR 29:00 Preserving the human in human resources 31:00 Planting trees through mentorship and legacy leadership 33:00 Final reflections on purpose and making work better Connect with Naomi LinkedIn: https://www.linkedin.com/in/naomititlemancolla/ Website: https://www.futurefohrward.com/ Connect with Us LinkedIn: Robin Bailey and Al McDonald Website: Aria Benefits and Life & Legacy Advisory Group
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 - Introducing Dave01:10 – Why most Vegas statuses died in 2024–202502:00 – What to do if you've completely fallen off the merry-go-round02:40 – MGM temporary tier matches & why timing matters03:30 – Venetian ↔ Pechanga reciprocal match explained04:40 – How onward matching actually creates value05:00 – Rio match & pop-up Vegas promos example05:50 – Why airline & hotel status won't restart casino matching06:40 – Spending your way to Caesars Diamond (credit cards & hacks)09:40 – Is the status merry-go-round still worth it in 2026?10:50 – Atlantic City loop, Wynn nights & cruise value13:20 – Can casino status still unlock airline or hotel perks?15:10 – What replaces the merry-go-round in 202618:00 – International airline status matches (real power move)25:00 – Best resources to find matches before they disappearYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Dave at:➤ MilesTalk (website): https://milestalk.com/➤ MilesTalk Facebook Group: https://www.facebook.com/groups/MilesTalk/➤ Twitter / X: https://x.com/MilesTalk➤ Instagram: https://www.instagram.com/milestalk/ ➤ Threads: https://www.threads.com/@milestalk Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
What have learned as we've recorded over 200 episodes now? What have we changed our minds about? We reflect back on our years of podcasting, recording over 200 episodes with hundreds of positive reviews, hundreds of thousands of downloads, and hopefully countless military families helped. 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.
In today's podcast episode we hear about one reader's status magic, how Nick's family got stuck in HEL-sinki, and we make our end-of-year to-do list with your help.Giant Mailbag(01:41) - One reader's experience with unexpected status benefitsSee episode 334 "Super Stacking Stories" here.Card News(04:45) - Both Citi AAdvantage Business cardholders & authorized users earn Loyalty Points on purchases (Read more here)(07:31) - Reminder: last call to triple-dip credit cardsAwards, Points, and More(12:21) - Read about how Nick was stuck in HEL hereBonvoyed(21:10) - American Express transfer ratio to Cathay Pacific will reduce to 5:4 3/1/26Main Event: Our end-of-year miles & points checklists(27:42) - Read more about our end-of-year checklist for 2025 here(29:11) - Elite Status Airlines(37:59) - Elite Status Hotels(45:21) - Elite Choice Benefit selections(48:59) - Southwest Companion Pass(52:07) - See our Coffee Break episode 81 "The Southwest Debit Card is actually interesting" here(53:21) - Credit card coupons(1:13:36) - Summary of our major To-DosQuestion of the Week(1:15:16) - How do you manage continued spending on a card after meeting the spend requirement for a welcome bonus?Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Check out this month's sponsor and support our showJoin the loyalty program for renters at joinbilt.com/mileshttps://joinbilt.com/miles
Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/FirstClassForTwoLearn how to book First Class for two people using points and miles on top-tier carriers like Qantas, Qatar Airways, Lufthansa, Emirates, and Singapore Airlines. We break down the specific strategies needed to find rare award availability for two passengers and share our best advice for securing these exclusive seats togetherThank you to Adam from https://www.instagram.com/miles_2_smiles for joining us as a guest co-host!Find our Guide to Booking First Class in ElevateLearn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:27 First Class for Two People with Points and Miles5:47 Booking Qantas First Class for Two with Points and Miles34:40 Booking Qatar Airways First Class for Two with Points and Miles47:52 Booking Lufthansa First Class for Two with Points and Miles49:17 Booking Emirates First Class for Two with Points and Miles49:59 Booking Singapore Airlines First Class for Two with Points and Miles54:18 Our Best Advice for Booking First ClassThank you for supporting our Channel! See you every Friday with a new episode!Disclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My guest this week is Matt Sutton, SVP and head of marketing at Columbia Sportswear, a leader who thrives on tough challenges and new terrain. With 15 years across agency, brand and platform side marketing, Matt's led global teams, own P &Ls north of 700 million and driven growth across apparel, jewelry and home goods. His superpower? Solving brand problems end-to-end, rethinking everything from CRM and brand identity to channel mix and digital transformation. His work has been featured in Adweek, CNBC, TechCrunch, and the New York Times. And he's advised leaders at American Express, Geico, P&G, Expedia, and Nissan on how to turn marketing into momentum.
In this week's Quick Hits, DeAndre breaks down a wave of significant updates across the points-and-miles ecosystem — most of which fall into the “unfortunate but important” category. Several significant devaluations hit at once, including the end of one of the most famous sweet spots in award travel: 10,000 Turkish Miles to Hawaii on United. Capital One and American Express also announced transfer ratio cuts, continuing a broader trend of points inflation across loyalty programs.Amid the bad news, DeAndre highlights one bright spot: Mesa's first-ever hotel transfer partner, Omni Hotels & Resorts, which comes with a limited-time path to Omni Champion elite status through 2026. With honeymoon travel just days away, DeAndre also gives listeners a heads-up that upcoming Quick Hits will be shorter but still include the most significant weekly developments.Key takeaways: Turkish devaluation: The iconic 10k-to-Hawaii sweet spot is gone; United flights to Hawaii now cost 25k miles each way.Domestic hikes: Turkish domestic United awards increased from 10k to 15k each way.Polaris to Hawaii jumps: A massive jump from 15k to 40k miles per direction.Transfer cuts at Capital One: Emirates transfers drop to 1:0.75 starting January 13.Membership Rewards devaluation: Amex → Cathay Pacific shifts to 5:4 beginning March 1.New Mesa partnership: Mesa launches its first hotel transfer partner — Omni Hotels & Resorts.Elite status opportunity: Transfer 30k Mesa points for a free Omni night and receive Omni Champion status through 2026.Omni perks: Upgrades, early check-in, late checkout, a welcome amenity, daily beverage, pressing/shoe shine.Footprint insight: Omni has ~50 premium properties across the U.S., Mexico, and Canada.Programming note: Quick Hits will continue during the honeymoon, but in shorter form, focusing on essential news.Interested in Financial Planning?Truicity Wealth ManagementResources:Book a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)Travel FreelyPoint.meFlightConnections.comThrifty
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 End of Year Status Renewal Overview00:24 Marriott Status Renewal Strategies01:44 Hyatt Status Renewal Strategies04:05 American Airlines Status Renewal Strategies07:44 Southwest Companion Pass Strategies10:27 Timing Your Credit Card Bonuses for Maximum Benefit11:59 Conclusion and Next StepsYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Michelle Songy is a serial entrepreneur and the Founder of Press Hook, a platform that helps brands get media coverage through a hybrid model of earned, affiliate, and paid press opportunities. Prior to Press Hook, Michelle founded and sold Cake Technologies to American Express. She's passionate about making PR more accessible and transparent for small businesses, especially mission-driven consumer brands. Press Hook is used by 1,000+ companies— from early-stage startups to category leaders— to connect directly with journalists, newsletters, and podcasts that drive real product discovery. In This Conversation We Discuss: [00:00] Intro[00:56] Realizing the need to master your own PR[02:36] Understanding why generic pitching fails[05:21] Boosting discovery via trusted publishers[08:06] Navigating earned, paid, and affiliate media[11:26] Callouts[11:40] Standing out with visuals and clarity[15:26] Adapting strategies to decentralized media[18:58] Enhancing discoverability in crowded markets[20:57] Building systems before scaling PRResources:Subscribe to Honest Ecommerce on YoutubeAI-driven media relations and PR pantform presshook.com/Follow Michelle Songy linkedin.com/in/michellesongyIf you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!
As the pace of work accelerates, wellbeing continues to decline across industries, making conversations about sustainable performance more important than ever.In this episode, our CEO and Host, Stuart Elliott, is joined by Bianca Errigo, global speaker, wellbeing expert, and founder of HumanOS, a platform redefining how organisations approach resilience and high performance.Off of the back of our Global HR resilience report, Bianca and Stuart discuss the state of workplace wellbeing today, why so many high performers are still burning out, how organisations can close the gap between wellbeing programmes and real wellbeing outcomes, and what it means to build a culture that supports both performance and recovery.Who is Bianca Errigo?Bianca Errigo is a global speaker, wellbeing expert, and Founder of HumanOS, a platform advancing sustainable high performance in the workplace. With a BSc in Psychology, a background in corporate sales, and over 13,000 hours of coaching with clients ranging from global CEOs to elite athletes, she blends science, strategy and lived experience to drive meaningful behaviour change.Named one of Startups Magazine's 24 Most Influential Women of 2024 and recognised as American Express's Top External Speaker, Bianca specialises in resilience, emotional intelligence, burnout prevention, and the future of work. She has delivered keynotes and workshops for organisations including American Express, Cisco, Barclays, Dell, Diageo, The NHS, Canva and the University of Cambridge. Known for her warm presence and practical approach, Bianca challenges outdated ideas of “wellbeing”, empowering leaders and teams to perform at a high level, sustainably.If you'd like to explore how HumanOS can help your team build resilience and sustainable performance, you can learn more [here].Key time stamps:1:36 - Introduction to Bianca Errigo3:37 - About HumanOS12:14 - Competitiveness fuels resilience19:00 – The current state of wellbeing22:00 - Sleep disappearing under pressure and stress30:00 - Tracking and monitoring health33:40 - Gender differences and the impact on HR's resilience37:45 - Advice to companies for their HR team42:00 - Psychological safety46:45 - Advice for leaders of HR teamsYou can listen to and download HR Insights from Apple Podcasts, Google Podcasts, Spotify and other popular podcast apps. Please subscribe so the latest episodes are directly available! You can also join our HR Community by following us on LinkedIn.Thank you for listening and please do review and rate us wherever you listen!
On this episode of Destination on the Left, I talk with Erin Groh, Head of Marketing at iSeatz, a leading but often behind-the-scenes travel tech company powering loyalty programs for brands like American Express, IHG Hotels & Resorts, and Qantas. Erin shares her fascinating career journey from traditional and digital media through to travel technology, illustrating how influencer marketing, social media, and travel tech are now converging to reshape the modern travel experience. Listeners will find out why today's travelers are prioritizing dream trips—even if it means rebalancing their budgets, how social media now influences every step of the travel decision-making funnel, and the evolving expectations around personalization, including what travelers are willing to share for better experiences. What You Will Learn in This Episode: How iSeatz powers major brands like American Express and Delta's travel loyalty programs What the iSeatz Modern Traveler Report reveals about travelers' motivations and how budget constraints impact trip decisions How travelers are rebalancing their spending, cutting back on dining and shopping in favor of travel experiences Why social media and influencer marketing have become leading sources of travel inspiration and purchase decisions, especially among Gen Z and Millennials What "value" really means to today's travelers, and how expectations for personalization in travel are evolving How sustainability is shaping travel choices and what the industry can do to make sustainable options easier for consumers Technology-Powered Loyalty Programs Most travelers may not recognize iSeatz by name, but they've likely interacted with its technology. Erin explains how iSeatz works behind the scenes with iconic brands like American Express, Delta, and IHG Hotels and Resorts, powering the platforms that make booking and redeeming travel rewards seamless. As the connectivity layer, iSeatz enables partnerships, keeps loyalty programs fresh, and continually adapts to new technologies and consumer expectations. Collaborative relationships between travel brands and tech providers aren't just helpful, they're essential, especially when consumer demands and industry dynamics are rapidly evolving. Today's travelers expect fluid, rewarding experiences, and companies have to innovate to keep pace. Dream Trips Are Non-Negotiable One of the most striking findings of The iSeatz Modern Traveler Report is the traveler's commitment to making dream trips happen—even when budgets are tight. According to Erin, only 9% of survey respondents said they'd give up on a dream trip due to cost. Instead, the majority would wait and save, seek more affordable options, or cut back in other areas of their spending. This aligns with a broader trend, post-pandemic revenge travel wasn't just a blip; it's part of a sustained shift toward prioritizing experiences over material goods. Spending priorities have also evolved, travelers would rather cut back on dining out or shopping if it means affording a meaningful trip. Data shows year-over-year growth in travel spending for several consecutive years. The desire for shared memories and adventure continues to outweigh the allure of consumer goods. Value and Personalization Define the Modern Experience Price isn't always the most important thing when it comes to travel, value now encompasses the entire experience—meeting expectations, comfort, relaxation, wellness, and safety. Travelers increasingly splurge on nicer hotels or premium flight experiences if they perceive real value in the investment. Over half of travelers expect brands to anticipate their needs based on past interactions, and a similar proportion are willing to share more personal data to enable a smoother, more tailored journey. The challenge (and opportunity) lies in connecting the dots by using the right data to surface relevant recommendations, like family-friendly activities, sustainable options, or dietary preferences, rather than missing the mark with generic suggestions. Resources: Website: https://www.iseatz.com/ LinkedIn Personal: https://www.linkedin.com/in/erinrosegroh/ LinkedIn Business: https://www.linkedin.com/company/iseatz/ Unpacking the Complexities of the Modern Traveler: Key Insights From Our 2025 Report: https://www.iseatz.com/blog/the-modern-traveler-2025 We value your thoughts and feedback and would love to hear from you. Leave us a review on your favorite streaming platform to let us know what you want to hear more of. Here is a quick tutorial on how to leave us a rating and review on iTunes!
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Rove and Carissa's Journey00:29 Exciting Features of Rove01:27 Carissa's Role and Experience at Rove03:17 Deep Dive into Rove's Hotel Booking System07:08 Maximizing Points with Rove13:01 Exploring Rove's Flight Booking System25:13 Rove's Shopping Portal and Promotions28:47 Upcoming Features and ConclusionYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou Can Find Rove at:➤ Website: https://www.rovemiles.com/ Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
In this episode of One Sharp Sword, Dr. Wayne Pernell sits down with global finance and operations leader Alexander J. Freeman, whose journey spans continents, cultures, and some of the world's most influential companies. Born in a country that no longer exists, Alex moved from Odessa → Italy → Texas → Moscow → New York → Austin — building a remarkable career with Citigroup, Visa, Dell, American Express, HID Global, and more. His story is rich with insight about leadership, resilience, risk-taking, and the power of leaning into discomfort. If you're a leader, an aspiring leader, or someone who knows they're meant for more, this conversation will inspire you to stretch, grow, and rethink what's possible.
On the Schmooze Podcast: Leadership | Strategic Networking | Relationship Building
I'm pleased to interview one of our Biz Book Pub Hub Partners. Our Hub Partners are experts who support entrepreneurs along their author journey. Today's guest is a powerhouse in the world of thought leadership and publishing—a true connector who helps experts transform their ideas into influential books that make a real difference. She's built an extraordinary career as both an author and strategist, earning six traditional publishing deals, ten thought leader titles, a New York agent, and even a feature on Oprah. She's also a Wall Street Journal bestselling author whose award-winning networking books were licensed by major brands like Motorola and Yale's Graduate School of Business. She founded Networlding Publishing, where she's guided more than 175 thought leaders through every stage of writing and launching their first books. Along the way, she's helped global companies like Cisco, Office Depot, and American Express build powerful leadership networks—and even created a thought leader podcast to amplify her authors' visibility and success. Her passion is helping authors leverage both their books and their relationships to create meaningful impact and lasting influence. Please join me in welcoming Melissa G. Wilson. In this episode, we discuss the following:
$7,500 is the new maximum amount you can contribute for your IRA in 2027. We recommend generally that you and your spouse (if applicable) both do Roth IRAs, after 5% to the the TSP for the match. 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.
Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/WorldCupDiscover the best points and miles strategies for planning your 2026 World Cup trip. Learn how to earn, maximize, and redeem travel rewards for flights and hotels so you can experience the World Cup for less.Thank you to Osmin from https://www.instagram.com/osminpena121 for joining us as a guest co-host!Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsEarn more points with Rove Miles:www.rovemiles.com/?signup&referralCode=8NHXUMCSSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:21 Recap of Previous World Cup Experiences24:11 Tickets for 2026 World Cup36:06 Public Transit to the Stadiums41:27 Flights to 2026 World Cup with Points and Miles52:21 Hotels for 2026 World Cup with PointsLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
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(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Hyatt Points Sale00:20 Calculating the Value of Hyatt Points00:50 Using Rooms Arrow for Redemption Planning02:12 Booking and Verifying Hyatt Redemptions03:35 Maximizing Value with Suite Upgrades07:00 Advanced Strategies for Stretching Points10:15 Conclusion and Additional ResourcesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
This episode is available in audio format on our Let's Talk Loyalty podcast and in video format on www.Loyalty.TV.In this episode wea are delighted to interview Shaun Hatrick, the Director of Partnerships and Business development for Nectar.Shaun is an expert in the loyalty and marketing space with almost two decades of experience shaping partnership and customer engagement strategies. Over his career, he's led the development and launch of innovative loyalty and marketing propositions for some of the world's most recognised brands — including American Express, British Airways, Sobeys, Esso, and more.As Director of Nectar Partnerships and Business Development, he brings together data, creativity, and commercial insight to build meaningful, high-value relationships across the Nectar coalition. His focus is on driving growth through collaboration — connecting brands with millions of customers in ways that deliver real, measurable impact.Today we will be learning about his favourite books, highlights and key learnings from the programmes he has worked on and all what loyalty looks like now and in the future for Nectar.Hosted by Charlie HillsShow Notes :1) Shaun Hatrick2) Nectar3) Podcast Recommendation: Good Hang with Amy Poehler4) Podcast Recommendation: Las Culturistas
What happens when the machinery of war is turned loose on the home front? In this episode of Built to Divide, host Dimitrius Lynch traces how the end of World War II, the GI Bill, and federal housing policy combined to build the largest middle-class expansion in U.S. history—while quietly deepening racial and economic division.Beginning with the surrender in Tokyo Bay and the massive demobilization of Operation Magic Carpet, Lynch follows millions of returning veterans back to a country racing to answer a simple question: Where will they all live? The answer reshaped the nation. FHA and VA loans, the rise of Fannie Mae, and the secondary mortgage market drove homeownership from 43% to nearly 62% by 1960, cementing the single-family house as the centerpiece of the American Dream.But this “great reset” came with a price. Lynch unpacks how zoning laws, redlining, racial covenants, and underwriting standards drew hard lines around who could belong in postwar suburbia. He contrasts the inclusive vision of Case Study Houses and Eichler Homes with the mass-produced segregation of Levittown, where black families were explicitly barred and violence met the first to cross the color line.From John Dean's warning about homeownership “booby traps” to the weaponization of media by business elites like Henry Regnery, this episode reveals how corporate interests used patriotism, racial fear, and Cold War anxiety to roll back New Deal gains and reframe government as the enemy. Along the way, Lynch explores how Fannie Mae's privatization, the birth of American Express credit cards, and the cultural glorification of the nuclear family turned housing into a speculative asset, a consumption engine, and a source of isolation.We end in Roseto, Pennsylvania, where a community's disappearing social bonds literally changed its heart attack rates—proof that how we house ourselves shapes how we live, connect, and survive.If you want to understand how postwar housing policy, suburbanization, zoning, media, and finance fused into a system that still determines who gets stability and who gets left behind, this episode shows how the board was reset—and who it was reset for.Episode Extras - Photos, videos, sources and links to additional content found during research. Episode Credits:Production in collaboration with Gābl MediaWritten & Executive Produced by Dimitrius LynchAudio Engineering and Sound Design by Jeff Alvarez
Tim and Juan chat with Danielle Crop is the EVP Digital Strategy & Alliances at WNS, former Chief Data Officer of Albertson and also the former Chief Data Officer of American Express about how data leaders and practitioners need to be thinking about AI and how to focus on what truly provides business value. We get into who will be building models, and how roles will be evolving in organizations. If you want to learn what is going through the mind of an executive data leader, this episode is for you!See omnystudio.com/listener for privacy information.
This is the takeaway episode with Danielle Crop is the EVP Digital Strategy & Alliances at WNS, former Chief Data Officer of Albertson and also the former Chief Data Officer of American Express where we chat about how data leaders and practitioners need to be thinking about AI and how to focus on what truly provides business value, who will be building models, and how roles will be evolving in organizations. If you want to learn what is going through the mind of an executive data leader, this episode is for you. If you like what you heard, you should check out the full episode!See omnystudio.com/listener for privacy information.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Financial Independence and Points01:31 Meet Kathleen: A Journey to FIRE and Travel03:53 Balancing High-Earning Careers and FIRE06:14 Creative Outlets and Retirement Planning09:02 Maximizing Points for Travel10:50 Philosophical Questions on Points Value15:39 Advanced FIRE Strategies and Considerations21:02 Managing Money vs. Managing Points23:15 Using Financial Vehicles for Emergency Funds24:46 The Value of Points and Miles for Different Income Levels28:54 The Pitfalls of Premium Credit Cards34:00 Balancing Financial Planning and Enjoyment41:13 Outsourcing and Spending Wisely43:36 Conclusion and Where to Find More InformationYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Kathleen at: ➤ Podcast: https://open.spotify.com/show/1Mu7Rzh2vnVTpbGO7qixG6 Spotify➤ Substack newsletter: https://thereframepodcast.substack.com thereframepodcast.substack.com➤ Instagram: https://www.instagram.com/kathleen_the_reframe_podcast/ InstagramOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
What if you could fly your family to Europe in first class, stay at luxury resorts for $400 a week, and spend less on vacation than you do at home? Chelsey from Camouflage Perks shares how military families are using fee-waived credit cards and exclusive military discounts to travel the world. Today's guest is Chelsey from Camouflage Perks - Military spouse and travel expert with 45,000+ Instagram followers sharing military-exclusive travel benefits and points strategies. Key Takeaways Exclusive military travel benefits save thousands - from $200 Epic Passes to free Atlantis nights, many perks require in-person verification and aren't advertised online Fee-waived credit cards eliminate travel costs - Military spouses and service members get annual fees waived on premium cards, making $500+ in annual credits completely free Stack benefits for maximum impact - combine credit card points with military discounts to cover flights, hotels, and daily expenses Cards work without travel - streaming services, dining credits, and shopping perks can save hundreds monthly even if you never take a vacation Discipline is essential - this strategy only works if you pay balances in full every month; credit card debt disqualifies you from participating Resources & Links Mentioned: Instagram: @camouflage.perks Website: camouflageperks.com Grand Hyatt Deer Valley: Google "Deer Valley Salute to Service" Epic Pass military: epicpass.com Armed Forces Vacation Club: afvclub.com Use Your Credits (Resy restaurant finder): useyourcredits.com 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.
Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/BrazilDiscover how to explore Brazil using points and miles with our complete guide to flights, hotels, and the best times to visit. We cover essential safety tips in Rio de Janeiro, where to find the best views including Christ the Redeemer, a points property with incredible scenery, must try foods, and unforgettable local experiences.Thank you to Michael from https://www.instagram.com/passportsandpenne for joining us as a guest co-host!Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:11 Brazil on Points and Miles5:18 Flights to Brazil on Points and Miles22:54 Hotels in Brazil on Points32:45 Safety Tips for Brazil33:43 The Best Food and Experiences in BrazilLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Air Canada Miles Expiration00:09 Advanced Tactics for Finding Deals00:41 Using Seats Arrow for Flight Searches03:05 Exploring Alternative Routes and Filters04:37 Personalized Tutorials and Additional Resources08:45 Setting Up Stopovers with Aeroplan12:46 Conclusion and Next StepsYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
It's time to be thankful for all that golf gave us in 2025. Andy and Brendan return for the always-dreaded (yet eventually enjoyable) exercise known as the Year in Review, back for its EIGHTH season! The two take a very quick look at this week's schedule and preview the return of the Skins Game as well as the first of two weeks in Australia before the long-awaited Year in Review gets underway. This installment, per usual, begins with The Sentry as Brendan remembers what may be the final PGA Tour event at Kapalua. He shares all the bits and pieces that come with the start of a new year, including equipment changes for Max Homa, the PGA Tour's new studio space, and Hideki's record-breaking week in Hawaii. Andy then jumps in to tackle the Sony Open, which ended in a playoff between two podcast favorites after J.J. Spaun fumbled in regulation. Andy also has the honor of introducing TGL to the Year in Review as the indoor league kicked off with an NYGC loss to The Bay. Brendan rounds out Part 1 by covering the "Tank Slam" at a glacially slow American Express and Tiger's TGL debut in the SoFi Dome. Stay tuned for Part 2 of the 2025 Year in Review coming Friday morning for your holiday weekend travels.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction01:17 Meet Andy Hicks: The Man on a Mission01:57 The Journey Begins: Andy's Background and Early Travels03:35 Strategies for Visiting Every Country06:24 Budgeting and Points Strategies14:36 Challenges and Difficult Destinations21:22 Tips for Aspiring Travelers23:56 Recommended Resources and ConclusionYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Uncommon Career Podcast: Career Change Strategies for Mid- to Senior-level Professionals
In this episode, explore the concept of unlearning silence with Elaine Lin Herring, a faculty member at Harvard Law and a bestselling author. Elaine discusses her book 'Unlearning Silence' and shares the toll of societal and personal expectations on our lives, particularly for women and immigrants. She delves into the importance of finding one's voice, understanding personal needs, and making intentional choices for a more aligned and fulfilling life. Through personal anecdotes and professional insights, she offers practical advice for overcoming self-doubt, utilizing our unique talents, and creating a life that's truly yours. Timestamps 01:14 The Burden of Expectations & Breaking Free from the Past 07:41 Rediscovering Your Voice, the Power of Self-Expression 14:56 The Journey to Unlearn Silence 27:37 Navigating Life's Uncertainties & Embracing Possibilities Amidst Challenges 30:06 Reevaluating Career Paths & The Importance of Market Awareness 31:55 Balancing Gratitude and Ambition, Exploring New Opportunities 40:10 Strategic Silence and Intentional Choices About Elaine Lin Hering Elaine Lin Hering is a speaker, facilitator, and former Lecturer on Law at Harvard Law School. She works with organizations and individuals to build skills in communication, collaboration, and conflict management. She has worked on six continents and facilitated executive education at Harvard, Dartmouth, Tufts, UC Berkeley, and UCLA. She has served as the Advanced Training Director for the Harvard Mediation Program and a Managing Partner for a global leadership development firm. She has worked with coal miners at BHP Billiton, micro-finance organizers in East Africa, mental health professionals in China, and senior leadership at the US Department of Commerce. Her clients include American Express, Chevron, Google, Nike, Novartis, PayPal, Pixar, and the Red Cross. She was named a Thinkers50 global management thinker to watch and is the author of the USA Today Bestselling book Unlearning Silence: How to Speak Your Mind, Unleash Talent, and Live More Fully (Penguin). Connect with Elaine Connect with Elaine on LinkedIn Subscribe to Elaine's Newsletter _________________________________________________________________ Connect with Me Connect with me on LinkedIn From Zero Responses to Multiple Offers: Download The 5 Essential Steps Checklist Click here to learn about coaching
How can your brand build genuine loyalty that translates into long-term business value when customer expectations continually evolve? Agility demands a deep understanding of your customer, a willingness to experiment, and the ability to pivot quickly when needed. Today, we're going to talk about building loyalty and trust through focused innovation, specifically within the competitive landscape of the baby care market. To help me discuss this topic, I'd like to welcome, Lindsey Kling, SVP Brand Marketing + Partnerships at Coterie. About Lindsey Kling Lindsey has 15 years of experience in scaling brands from startup to unicorn status, leveraging her expertise in strategic partnerships and marketing to drive growth and innovation in competitive markets. Prior to Coterie, she served as Head of Partnerships at Away where she built and led the partnerships function, forging brand-defining deals with partners such as Serena Williams, American Express and United Airlines. Before Away, Lindsey led the partnerships strategy for Uber and Uber Eats, developing foundational alliances that contributed to the brand's growth and ascent to a $100b valuation.Lindsey is a graduate of New York University and resides in Northern California with her husband and two children, Blaire and Asher. Lindsey Kling on LinkedIn: https://www.linkedin.com/in/lindseykling/ Resources Coterie: https://www.coterie.com/ The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow Catch the future of e-commerce at eTail Palm Springs, Feb 23-26 in Palm Springs, CA. Go here for more details: https://etailwest.wbresearch.com/ Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.showCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company
Don't want to feel stressed about money this holiday season? Here are 5 ways to prepare your family's mindset and spending for the season of giving! 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.
Unlock the secrets to Decagon AI's $1.5 billion valuation and AI-powered customer support.Ashwin Sreenivas is the co-founder of Decagon AI, a company revolutionizing enterprise customer support with AI agents. Founded in 2023, Decagon has rapidly grown to a $1.5 billion valuation, automating support workflows for brands like Duolingo and Notion. Ashwin, previously co-founder of Helio (acquired by Scale AI), shares insights into Decagon's product-market fit, secret sauce, and tangible business impact, revealing how AI is transforming customer interaction. If you're curious about the future of AI in enterprise solutions, this episode is a must-listen.Listen now YouTube | Apple | SpotifyQuotes from the episodeTraditional chatbots relied on rigid decision trees, leading to frustrating customer experiences, but Decagon's AI agents are trained like humans, enabling fluid, natural conversations.Decagon's AI agents follow Agent Operating Procedures (AOPs), which are similar to human SOPs, and this allows them to handle customer interactions across chat, phone, SMS, and email.The key is to focus on building AI agents that can follow instructions effectively, allowing businesses to offer personalized customer concierge services and seamless user experiences.Instead of predicting what customers want, AI should learn customer preferences and remember them, making interactions more seamless and efficient, enhancing overall satisfaction.What you'll learnUnderstand how Decagon AI is transforming customer support by using AI agents that can handle conversations across various channels.Learn about Agent Operating Procedures (AOPs) and how they enable AI agents to follow instructions and interact with customers like humans.Discover how Decagon AI helps businesses expand their support offerings, leading to higher retention and happier customers through increased support access.Explore the importance of solving customer problems quickly and seamlessly, regardless of whether the interaction is with a human or an AI agent.See how Decagon AI is expanding beyond customer support to offer customer concierge services, enabling personalized and friction-free interactions.Learn how focusing on customer needs and building something people will pay for can simplify early-stage company challenges.TakeawaysDecagon AI's agents use Agent Operating Procedures (AOPs) to mimic human-like interactions, which contrasts with older chatbot tech that relied on rigid decision trees.Unlike traditional approaches, Decagon AI focuses on creating a single agent adept at following instructions, improving onboarding and iteration for customers.Training smaller, fine-tuned models can outperform larger models on specific tasks, providing better performance and lower latency for customer interactions.Customer support is evolving into a brand differentiator, with companies like Amazon and American Express setting the standard for excellent service and customer trust.By making support more affordable, businesses can reinvest savings into providing more extensive support, leading to higher customer retention and satisfaction.Early customer acquisition requires manual effort, including networking, cold emailing, and LinkedIn messaging, with a focus on charging for the software from day one.Concentrating on building solutions that customers are willing to pay for within a short timeframe helps to validate business models and weed out unpromising ideas.Don't forget to subscribe and leave us a review/comment on YouTube, Apple, or Spotify.It helps us reach more listeners and bring on more interesting guests.Stay Curious, Nataraj
Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/PanamaDiscover the best ways to travel to Panama using points and miles, from the cheapest award flights to the top hotel redemptions. We cover where to stay in Panama, hidden gem resorts, the best food spots, and must do activities across the country. Whether you want beaches, rainforest adventures, or a budget friendly luxury getaway, this guide will help you plan the perfect Panama trip.Thank you to Alida from https://www.instagram.com/alitravelpoints for joining us as a guest co-host!Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:18 Panama on Points and Miles5:52 Best Flights to Panama with Points and Miles16:16 Best Hotels in Panama on Points35:24 Best Food and Experiences in PanamaLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Limited Deals on Flights and Hotels00:07 Capital One to British Airways Transfer Bonus03:52 Amex to ANA Transfer Bonus08:11 Wyndham Points Sale12:55 Lufthansa Miles Purchase Deal16:16 Conclusion and Future TutorialsYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Freddy01:17 Freddy's Journey into Points and Miles03:05 Digital Nomad Life and Travel Experiences04:54 Strategies for Booking Flights to Latin America07:45 Challenges and Alternatives in Booking with Points17:24 Avianca Life Miles: Pros and Cons36:09 Final Tips and ConclusionYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Freddy at:➤ Instagram: https://www.instagram.com/pointspanda/ ➤ Website: https://pointspanda.com/?utm_source=chatgpt.com Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Join Spencer Reese and Carissa Rawson, Director of Travel and Marketing at Rove and Air Force veteran, for an in-depth discussion about maximizing credit card rewards and travel benefits as a military service member. Carissa shares her journey from enlisted Arabic translator to becoming a leading voice in military credit card content, having written for The Points Guy, NerdWallet, USA Today, and Forbes. Building Credit from Scratch Starting with secured credit cards (Capital One recommended) Using personal loans from Navy Federal or USAA to establish credit history Career starter loans for new officers Building from no credit to premium cards Strategic Card Acquisition Best starter cards: Chase Sapphire Preferred, Citi Strata Premier, Amex Green Understanding bank application rules and restrictions The famous 5/24 rule with Chase Timing your applications strategically Military-Specific Benefits SCRA (Servicemembers Civil Relief Act) vs MLA (Military Lending Act) protections Annual fee waivers on premium cards Advantage for reservists and guard members opening cards before active orders Two-player mode: How dependents can also benefit from MLA protections Premium Cards Worth Getting American Express Platinum Card ($895 annual fee waived) Chase Sapphire Reserve Capital One Venture X (SCRA benefits) Hilton Honors Amex Aspire Multiple Amex Platinum cards strategy Tools and Resources Mentioned Award Wallet - Tracks points balances, expiration dates, and travel itineraries Seats.aero - Award flight search engine Max My Point - Hotel search tool for maximizing FHR credits PointMe (roame.travel) - Award alert tool for flexible travel Use Your Credits - Tracking Amex statement credits Card Pointers - Auto-adds Amex offers and tracks credits FSAFeds.gov - Application rules by bank Rove Miles - Earning transferable points through shopping portal and hotel bookings Rove Miles Platform Highlights 13,000+ shopping portal stores (vs Rakuten's 3,900) New "Loyalty Eligible" feature - book hotels while maintaining elite status benefits Earn Rove miles that transfer to 12+ airline partners Commission-based earning rates (up to 75x miles per dollar on some bookings) Immediate points posting on non-refundable bookings Guest Bio: Carissa Rawson served 7 years in the US Air Force (2009-2016) as a cryptologic language analyst (Arabic translator), including a deployment to Jordan supporting counter-ISIS operations. She's written extensively about military credit card benefits for major publications and now helps travelers earn rewards at Rove Miles. Website: rovemiles.com Contact: Reach out to Military Money Manual at podcast@militarymoneymanual.com or on Instagram @militarymoneymanual _________________________________________________________________________________ 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.
Frank and Brian also dig into:• The pivotal 2005 spin-off from American Express - and what it unlocked for advisors.• Why it's “all about how much you make, not the payout.”• How Ameriprise's E-Meeting, Insights, and AI-driven Copilot tools are redefining advisor efficiency.• The power of home-office visits and what advisors should look for in firm culture.• Why advisors who said “never” to Ameriprise often end up saying “yes.”If you've ever wondered why so many top producers are giving Ameriprise another look, this episode delivers straight answers, real examples, and lessons every advisor can use when evaluating their next move.Resources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comConnect with Brian Mora on LinkedIn or via phone: (609)-335-8844https://www.linkedin.com/in/brian-j-mora-cfp%C2%AE-crpc%C2%AE-awma%C2%AE-4076b610/ Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Lufthansa Miles and More Program01:03 New Transfer Partners for Lufthansa Miles and More02:06 How to Earn and Transfer Points to Lufthansa03:14 Searching for Award Flights03:34 Finding Sweet Spots for Business Class05:47 Avoiding High Taxes and Fees09:33 Booking Lufthansa First Class Flights13:36 Conclusion and Additional ResourcesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
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