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BOSSes, Anne Ganguzza is joined by her lovely co-host, Danielle Famble, for the Boss Money Talk Series. The BOSSes tackle a fundamental challenge of a voiceover freelance career: managing inconsistent income. Drawing from her past job experiences, Danielle shares practical wisdom on how to budget, save, and build a financial cushion. This conversation redefines "budgeting" as a tool for empowerment and offers a strategic roadmap for every voice actor to take control of their finances, ensure stability, and thrive.   00:00 - Anne (Host) Hey guys, are you ready to achieve those dreams? With MyLife Transformation coaching services, I can help you reach your full potential. Don't let fear and uncertainty hold you back. Take control of your life today. Visit anneganguzza.com to get started.  00:20 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:39 - Anne (Host) Hey everyone, welcome to the VO Boss Podcast and the Boss Money Talk Series. I'm Anne Ganguzza and I am here with my lovely co-host, Danielle Famble.  00:49 - Danielle (Guest) Hey Anne, hello Danielle, hey, hey, how you doing, how are you? I'm good, I'm good, I'm good.  00:53 - Anne (Host) Well, I am glad to have you back and I have a topic for discussion today, because I've had, on more than one occasion, some students recently talk to me about gosh. I'm just having a hard time finding work and I don't know if I should continue to stay in this industry because it's just getting too hard. I mean to sustain it, and so what should I do? It would be a worthy topic of discussion to talk about, like this particular industry and how we handle our financial situation in times of inconsistency, because it's just a known fact, guys, bosses out there, it is an inconsistent, it is part of being an entrepreneur. Our, our income is inconsistent. So what do we do and how do we budget for those times when maybe it's slow or, you know, when it's not slow, and what do we do when we have inconsistent income?  01:55 - Danielle (Guest) That's such a good question. That's a big part of being a boss, being an entrepreneur and being in this business, and it's good to give the perspective one you know to your students that you're coaching and to anyone listening. You're not alone. It doesn't mean that you're a bad voice actor. It doesn't mean that you're bad at this business. That is the nature of what it is, that we do, and so it has nothing to do with you or your worth or the fact that you're not good. Slow months happen all the time. It happens to the best of us.  02:24 - Anne (Host) And you know, I think it's really something a point worth mentioning is I've been in this industry about 18 years and it's always inconsistent, like there's not been a year where it hasn't been inconsistent. So it is something that I think, if you plan correctly and you're prepared for, it doesn't come as a surprise and it's something that you can absolutely continue to grow and build your business through oh, totally Inconsistent income. So, as long as you plan and strategize, yeah, and you just know this is normal.  02:56 - Danielle (Guest) This has not got anything to do with you. This is a normal thing, you know. It reminds me of I don't know if you know this, anne, but I used to be a waitress for a long, long time. I was a waitress at comedy clubs and the way that I made my money was on tips, and so I got used to living on an inconsistent income and realizing that there's going to be a couple of days or weeks or months where it's going to be great and then it's going to be slow. Maybe you get cut because it's so slow that they don't need you to be there. But you know, the thing that didn't get cut was my fixed expenses, my rent, my cell phone bill, all of those things.  03:35 So I would say to those are stable. Yeah, figure out what your stable expenses are and make sure that you can keep that as your base and plan for your base Anything on top of that. You know when times are great and when you're making a lot more money, you can use that to keep it to the side for a buffer, but really just know what your base expenses are, which then goes back to our longstanding conversation about knowing your numbers and the data and everything else. If you're too afraid to look at what your expenses are, you're not going to know what your base is that you need to be able to maintain at all times. So really like have the courage, look at what are your expenses that are fixed, that are stable, and know what your base is, and you want to be able to hit your base every single month.  04:22 - Anne (Host) So then, budget around your worst month, not your best month. Yeah, absolutely Right. And and that and the and the numbers on your worst month can can actually like I. I mean, I could say what are your expenses and your worst month would be you didn't make anything. Budget around that. That's what I would say. Right, that's your worst case scenario, and so you'll still need to be able to function. And so what does that mean in terms of if I don't make any income for an entire month, does that mean I should give up my voiceover business, danielle?  04:54 - Danielle (Guest) I don't think so, but I do think that you do need to have some way of knowing that there is income coming in from another form. So maybe it's not the income coming in from your voiceover business, because you didn't make anything that month but you do have a nine to five or you do have a babysitting job or you do have. You know, you do Uber on the weekends or what have you. Just know that there needs to be, that money needs to be coming in from somewhere else. If it's not coming in from somewhere else, then we need to find how can we get to our first dollar. Is it in voiceover? Is it in another way of making money? But make sure that you know that there is some income coming in so that, even if the income from your voiceover business is at zero for the month, you know that there is income coming in from somewhere else that's going to be able to offset and still hit your baseline goal.  05:43 - Anne (Host) And I think your budget right for those months you don't live on that budget. I mean it should be a budget for a budget that is a low-income month, not necessarily like I'm going to continue to go to Starbucks every morning or I'm going to. Maybe that's a necessity, maybe you feel like that's worked into your bare necessities, but is that something that you're willing to give up in a low-income month? Or is going out to dinner? I think that's the biggest one. I think, like my husband and I are like okay, we got to stop going out to dinner, right, because that's an unnecessary expense. If we're trying to tighten our budget during a low-income month, it's mostly like oh, and we're going to go out and spend money doing this, or are we going to go out and spend money doing that? A lot of times it's based around food. Why is that?  06:25 - Danielle (Guest) Yeah, I mean, that's mine as well. It's food, but then sometimes it's you know, if you're going to be spending additional money on things in your business, maybe it's that you forego coaching for the next couple of months because you don't really have the money for that, or maybe you need to forego some other things in your business and subscriptions that maybe can be paused. It's not just what you're doing in your life, it's also things that you can cut back in your business too, so that you can make sure that you know. You know, I know that my fixed expenses for the operations of me are this these are the things that will you know, that are always going to stay the same my housing, food, you know, basic necessities, business expenses.  07:10 - Anne (Host) Business expenses as well, I'm going to say rocket money. I had a free trial and I used it. It's great for finding out those recurring monthly expenses that you have that all of a sudden like oh, that Sirius XM like subscription that I have for my car, which I don't drive very often because I work from home, right, but now I can play SiriusXM everywhere, but still that subscription costs, and it used to only cost like $12.99. Now it's like $25 a month, and so that can help you keep track of those subscriptions that creep up on you that you may or may not be utilizing.  07:44 - Danielle (Guest) And everything is a subscription nowadays, so really you have to. It's so sneaky, but you can find a lot of unused subscriptions and then you can recoup some of that money back just by saying no, thank you to those subscriptions.  07:59 - Anne (Host) Think about your Starbucks as a subscription. That's true, really, if it's something you do every day, I mean really. I mean I know there's a lot of people that that's a daily habit, and you know. Think of that as a subscription. And one other thing I wanted to mention, and I would not have even thought of this really until I incorporated and became an S Corp but I am required to pay myself a salary, right, and that's something that you know.  08:22 When you're trying to like skimp on your, your budget, or you're trying to figure out your expenses, don't forget you need money to live, you need money to buy the groceries, you need money to pay the rent you need, and so I think it's always a good idea, even if you're not an S-corp, to really kind of think about here's the money coming in. A portion of that should be set aside for my expenses, for me, right, that's my salary, and then pay yourself on a set schedule. I think that helps you really get an idea as to okay, here's the money I need to live on, here's the money that's profiting in my business. I don't know. It's just one of those things that maybe it's worth it to take a look at.  09:03 - Danielle (Guest) Absolutely. That should be a core staple that everyone should be doing is you know we're doing this. We're in business to make a profit, and so the idea is I need to get paid, and making sure that you pay yourself first so that you are getting used to, and your business is getting used to, that expense of making sure you're paid. That's the study and that's actually how you can stay steady is okay. I know that I'm going to be paying myself a certain amount every single month. That is the expense of my business to pay me, but that's also how I'm able to pay my bills, keeping that steady, and it doesn't need to be that you wait until you are an S-Corp to do that. I would say try to start doing that as quickly as possible. Once you have established the fact that you're doing this business, you're in business.  09:51 - Anne (Host) I would not have realized that until you know I really started an S-Corp and I should have actually. Again, I needed to take a look at the numbers.  09:59 - Danielle (Guest) Here's the deal when you do have those lean months, it doesn't come as such a shock no-transcript Because if you wait, that is going to be a surprise likely to you where you're not really expecting it. And then you get into a really unfortunate situation where this inconsistent income has caused an inconsistent pattern in how you're paying yourself and how you're putting money to the side. So make sure that when you're paying yourself you're also making sure to take care of your tax liabilities.  11:01 - Anne (Host) Yes, Excellent idea. And another thing, as I look at you here in your brand new, shiny, sparkly studio, right and we've talked about this so many times before is having that financial cushion, right, Having that emergency fund. But I think honestly, like, if you can have more than just that emergency fund, which doesn't get touched under the extreme circumstances of an emergency, but consider having another fund which is, you know, just a one to three cushion fund, right, Right that you have to live in the event that you have a slow month, right, and having that separate fund where you feel secure and confident that you can take from that fund and you're not dipping into that emergency fund. Because I always feel guilty if I'm dipping into my emergency fund. Well, number one, because my emergency fund is heavily invested in my high-yield savings account, which doesn't mean that you can't have a one to three-month cushion also sitting in a high-yield savings account, and so I always feel like, oh, I don't want to touch that because I want to keep earning interest on the greatest amount of money possible Sure yeah.  12:06 And so that's my emergency fund, but also maybe having a separate fund just for, oh, times are lean this month and you know, and I'm going to say, maybe, in order to give me better mental health, I do need a Starbucks today or I do need a pair of earrings today. But I'm going to be a caution. I'm going to caution people to not necessarily go out and shop your, your financial worries away, because you know, that's me. I've definitely been in that trap where, oh, I just need to feel better. Let me go out and buy some new clothes, yeah, or a new lipstick, yeah.  12:41 I think try not to do that. But you know, I think that one to three month other fund that you have will help you to pay the bills.  12:47 - Danielle (Guest) Absolutely. And so then you can use sort of a system where you're making sure that when things are inconsistent and times are a little bit leaner and you're not making as much money, you know what your baseline, your core base expenses are. And then, when things are going really well and you're making a lot more money and you had a really great month, you put some of that money to the side in that cushion fund that's not your emergency fund and when things are low, you use that cushion fund to make sure that you're staying afloat. I like that sort of cycle of making sure that you are taking care of yourself. It's not necessarily feast or famine when things are going really well.  13:28 You have already looked ahead and taken care of yourself, because you know that this is a cyclical business, this is inconsistent. It's an inconsistent income kind of business and you know that one day you're going to need to use the money that you are currently making. Don't just spend everything that you're making. Put it to the side so that when it is inconsistent and when it is a slower month, you're pulling from the times when you had a really great month to keep yourself, you know, in balance. And that's, I think, the way to do it is you should look at this month or any given month, as am I taking care of me now, or am I taking care of me now and me in the future? But always make sure that you are doing that delicate balance.  14:16 - Anne (Host) Speaking of, you know, setting aside money for taxes, and setting aside, you know, that money. Don't forget about retirement guys. Don't forget about a retirement fund. Please don't forget about retirement. One thing I want to say is that and I'm not a money girl, right, or I never thought of myself as a money girl, but can I just tell you, the software companies are making it easier and easier. Like your credit cards are now categorizing your spending, right, Because, of course, they want you to use the credit card more. So they're going to categorize it and you can find out where your expenses are going, and if you use the credit card, you can get 3% back. Blah, blah, blah, blah blah. They want to encourage credit card spending, but also you can use that as a method for really finding out where is all your money going.  14:57 Quickbooks like I never thought. Like my QuickBooks Online. Like you can generate a report literally a report in a matter of seconds, Whereas before it used to be really difficult, man, If you were doing like spreadsheets. And I don't know, Danielle, I can't remember what product you use, but I mean I need something simple, something that does the work for me. Some people are really hardcore and go right into the Excel spreadsheet and that's how they track their budget. But, like for me, I just generate, I flip, I generate a report really quickly in QuickBooks and it tells me, oh my gosh, I spent so much money this month on my expenses going out versus what was coming in, and so I can really then make an educated and strategized decision based upon those reports.  15:39 And I can do, I can generate those reports at the flick of a button. And even if I hate finances right which I know a lot of people don't like to look at their, their money yeah, it's again one of those things. This is your business and it is something that, if you're not looking at it, pay somebody else to do it, like my accountant. Then talk with your accountant and say, hey, look, where's all my money going. Or I found that I had a slow month. And then have that weekly meeting or that monthly meeting that says here, OK, they can break it down for you and say, look, you're, they can generate the reports and they say, look, here's what you're spending on lipstick and or here's what you're spending on restaurants going out, and here's where you can maybe potentially save money. Or think about taking this money that you have left over and putting it into this type of an investment account.  16:23 - Danielle (Guest) This money that you have left over and putting it into this type of an investment account and taking care of future you.  16:29 So you've got sort of the shorter term future you of this one to three months cushion for when times are lean. You've got your emergency fund, which usually I say you know, six to eight months I say closer to for me, yeah, six to eight months, which is a pretty big emergency fund, but that's because we're self-employed and so I want to have a pretty good cushion, or the longer term fund being your retirement. And there are ways, depending on how you have it set up, where, if you're investing in your retirement account, that helps you in tax time because it might lower the amount that you are paying on your taxes.  17:05 So it is always forward looking. It's looking at what's happening today and it's looking at what would be happening in the shorter term future or longer term future. And how can you use the windfall that you have or maybe are not experiencing now? How can you use that to keep you afloat, you know, with your core base expenses. But it really is again going back to do. You know what those core base expenses are Right, and how can you stay, you know, level with them. And if you need to dip into the bank of you, then you can do that with no shame and no problem, knowing that you've already done the work to take care of yourself.  17:44 - Anne (Host) From a girl that's a little less of a money girl to a girl who is a money girl. One thing that always sneaks up on me are those antics annual fees or the recurring right subscriptions or that come up once a year. Because I went from let's not do it every month, let's save and let's do yearly subscriptions, but every once in a while, if I'm not paying attention, that yearly subscription will come up and it'll be taken out of my account and I'll be like whoa, how do you do you prepare yourself? I do For those things. So talk about how you prepare you know some of those things.  18:18 - Danielle (Guest) you know we use the word like surprise expenses, when, like it's kind of like these are super noble things, like yeah, I signed up for that credit card that has that high annual fee.  18:27 - Speaker 2 (Announcement) It was me.  18:28 - Danielle (Guest) It wasn't like some, somebody impersonating me Right large expense, that is, a knowable expense. I typically will put a calendar alert in a month in advance so that I can remind myself that this is coming. For example, my credit cards. I have the American Express Platinum card, I have the American Express Gold card and they have very high annual fees and for some reason I applied for them around the same time of the year and different years. So they, the annual fees, they come and they hit like roughly, like right, one after the other and I always think to myself Danielle, what did you do?  19:05 Why did you do that? Why did you do that? Why did what were you doing in December that you really needed a new credit? Why did you do that right in the same time. And that's, you know, my own personal journey. But I know that it's coming, so I can prepare either a little bit every single month to make sure I'm ready for that, yeah, or because I've given myself that calendar alert saying hey, danielle, just so you know this is coming up next month, I'm already mentally and financially prepared that that hit is about to happen. Most of those, you know, those subscriptions, those annual subscriptions, those are things that are knowable expenses, albeit big expenses. So your calendar is your very best friend. Give yourself the heads up and know that it's coming.  19:49 - Anne (Host) I agree I live by my calendar anyway for a day-to-day schedule of things that I'm doing. And I think if you have a calendar, a financial calendar, I mean my goodness. I mean you could make an easy financial calendar. I use Google Calendar for everything and they're color-coded when do I have coaching sessions? When do I have monthly workouts coming up, when do I have all of these things, holidays and that sort of thing, so you could have a financial calendar that has all of your subscription renewals and or your monthly costs, like those base costs that we talked about, so that you're prepared.  20:25 This month I'm going to plan on spending this amount of money. And also, again, it's one of those things that if you have an accounting software that can be generated in an accounting software easily, your monthly budget, absolutely, and you know it's something that you need to like. And again, I'm talking from a girl. I'm not a money girl, but I have to force myself to do that and take a hard look at what's going out every month and how can I cut? And I recently just said, ok, how can I trim the budget in my company, because I had been like, oh, let me try this software. I'm a big risk taker Danielle, and we talk about this thing, I hoard software too.  21:04 Yeah, I buy software subscriptions, I try things out and then I forget about them sometimes right.  21:10 I was like, oh, I haven't used it. I tried that out, I paid for the subscription, I forgot about it. So every once in a while I have to revisit what am I putting my money into, and has it given me a return on my investment? And if not, I need to trim the fat. And so I really I did that more recently so that I could have money to invest in something different.  21:31 So again I had, and I invest in in people who who work for me, and again I wanted to invest in some additional advertising, and so I needed to get that money from somewhere Right. So I had to kind of figure out where can I consolidate my expenses Right? Can I get, now that you know I've evolved in my business so many years, maybe I don't need this particular, I don't need as much social media, maybe I don't need, you know, that monthly subscription to this particular? You know, pay to play. Am I really using this pay to play?  22:07 And again, you know, figure out what am I? Where's my money coming in? Where am I making the most of my money? And do I want to reinvest my money coming in into that, into getting more of that, or do I want to reinvest my money coming in into that, into getting more of that, or do I want to diversify and maybe explore another genre of voiceover, or I want to get more voiceover work in this particular genre? What's it going to take for me to get there? So I think, really again taking a look at the money, and if you hate looking at money, I suggest, even if you hate looking at money, it's something that you got to do. Consider it an education in running your own business.  22:40 - Danielle (Guest) I would consider, if you hate looking at money, that you really need to look at money.  22:46 - Anne (Host) If you don't like it, then you really need to do it If you don't like it, that's a flag.  22:50 - Danielle (Guest) That's a flag, that's a flag. Run toward it, run toward it.  22:55 - Anne (Host) I love it.  22:55 - Danielle (Guest) I was told by my financial advisor to have money dates with myself, and I think what you're talking about would be a really great thing to do twice a year of these sinking funds, these mini emergency fund or emergency fund, so that you know where you need to divert more of your money in the good months, in the months where you're making so much more money than you planned for. That's really a great thing to do and I would say once or twice a year to reevaluate that, because maybe your one to three month or your short term emergency fund, let's say, is about a couple thousand dollars under. So you know. Ok, you know what. Why don't I put my money and my focus on beefing that up so that when we have these inconsistent months or when we have lower months, I know that I'm good. You won't know until you take the time to really look at it. So give yourself the money date of taking a real look at your money and knowing your numbers about what is your core expenses, what can you maybe trim or what can you press pause on, and then what can you run toward when it's time and when you have the money for it.  24:18 I love the idea of sinking funds. You have a fund specifically for your education, for your just slower months, for things that you do when you book that really big job and maybe you want to take yourself on a nice you know nice dinner or something like that like ways to celebrate. You can have multiple of these sinking funds. That's what something like that, like ways to celebrate. You can have multiple of these, these sinking funds. That's what I like about some of these online accounts where you can have a bank account that will give you an unlimited number of smaller, you know, virtual accounts where you can just put that money to the side I love that that's great.  24:52 - Anne (Host) It's a really great hack that I use.  24:54 That's a new concept and and what I like.  24:57 What I like about how you're talking and you're phrasing this whole conversation is you're talking about funds, right, you're talking about fund accounts, yeah, versus when, when and I don't know if this is just me and my age, but, like whenever I was talked about, well, you need to set up a budget that had a negative connotation and that meant that I wasn't making the money that I should have been making, or I was. You know what I mean? I was somehow lacking in whatever, mostly in money, right, I was lacking in money and the ability to either manage my money or whatever it was, but it had a negative connotation and I think that we need to reframe that whole concept. Again, if we talk about, like, money blocks, right, it could be a form of a money block and, in reality, the term budget, you can rephrase it to say you know, your money funds or your fund account it's giving you more of like a permission to celebrate it because you are strategizing, you are creating a future with a purpose, yes, and your purpose is focused, strategized and smart.  26:03 - Danielle (Guest) Absolutely, and it's purposeful. It's what you've decided that you're going to do. So budgeting for me, when I think about it, it's what am I deciding that I'm going to be spending my money on and this money is allocated towards that thing that I already decided. If you take away the concept that a budget is restricting you, it's not restricting you. It's where you have already pre-purposed and pre-determined where your money is going to go, and then you just do as you set out. It gives you freedom and it puts you in the driver's seat. You decided that you want to spend your money on the Starbucks or your whatever, and isn't that what we?  26:44 - Anne (Host) yeah, Exactly, Isn't that what we decided? Bosses right, we are in the driver's seat. We are the boss Totally, and you know you need to be the boss of all aspects of this business. And I think, if you really take a look at your budgets and or your funding accounts and I love what you just said about the virtual accounts there, Danielle that's a concept that I actually was not aware of, so now I'm going to be researching that because I love that, I love being able to it's like my content buckets for social media, right? This?  27:15 is going to be my fund buckets for Ann's Lipstick, no, for my business. Right For that Starbucks account. I've got money in it. So I think that really gives us a much clearer strategy and purpose when really looking at our business. And again, you always want to go forward and move forward in your business and this is one way that you guys can get there Totally.  27:38 - Danielle (Guest) You are in the driver's seat. These are not things happening to you. You can make the decision as to where you spend your money when it comes, and if you need to dip into the bank of you so that you future you is taken care of, because the you of today did the work to make sure that they were taking care of future. You Love that. That's. What I love about being an entrepreneur is that I'm taking responsibility for myself and taking care of responsibility of myself today and also future me, by putting money into the spending buckets or to the sinking funds, to my retirement account, to my emergency fund, and then I am making these financial decisions with me in mind, because that's my job is to take care of myself and also the people that are around me that I touch with my business, with my life, with my purpose.  28:32 - Anne (Host) And with that lovely words of wisdom, danielle, I'm going to thank you so much. What a great conversation. Yeah, this is a great conversation. Love it, love it, love it. Bosses, I'm going to give a great big shout out to our sponsor, ipdtl. You, too, can connect and network like the money boss that Danielle is. I absolutely love it. I love, love, loved our conversation. Thank you again, bosses. Have an amazing week and we will see you next week. Bye.  28:58 - Speaker 2 (Announcement) Bye. Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

In this Quick Hits episode, DeAndre Coke dives into the latest updates in the travel and points world, breaking down key changes that impact both frequent travelers and beginners. He covers the return of Zil Money's payroll feature via credit card, new updates to American Express Platinum benefits, and Singapore Airlines' decision to increase award redemption rates. The conversation also highlights the launch of Alaska Airlines' new Atmos Rewards premium card, as well as the expansion of Amex Fine Hotels & Resorts with additional luxury properties. DeAndre wraps up with important updates on the record-high Chase Sapphire Reserve welcome bonus and current transfer bonuses, emphasizing the importance of understanding credit card coding and carefully weighing benefits against annual fees to maximize value.Key takeaways: Zil Money Update: Payroll via credit card is now operational, although coding nuances remain important.Amex Platinum Benefits: New credits have been added, but travelers should reassess the value against the higher fees.Singapore Airlines: Increased award redemption rates make certain routes more expensive for points travelers.Alaska Airlines Card: The new Atmos Rewards premium card offers strong earning potential for loyal flyers.Amex FHR Expansion: Fine Hotels & Resorts has added more properties, expanding redemption opportunities.Chase Sapphire Reserve: Currently offering its largest-ever welcome bonus, making it a strong option for new applicants.Transfer Bonuses: Varying offers across issuers can present value, but must be compared carefully.Credit Card Coding: Understanding how charges are categorized is essential for maximizing points.Community Connection: Listener discussions and Facebook group updates remain vital for staying informed.Resources:Hyatt status for AA elites (register by October 31)AA status for Hyatt elites, targeted (register by September 4)Aeroplan Reserve 5,000 Mile CertificateBook 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 GroupInterested in Financial Planning?Truicity Wealth ManagementSome 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...

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Im heutigen Kreditkartenvergleich, vergleichen wir die American Express Gold Card und die American Express Platinum Card. American Express Gold Card beantragen: https://www.travel-insider.de/amexgold American Express Platinum Card beantragen: https://www.travel-insider.de/amexplatinum     00:00 Start  00:39 Gemeinsamkeiten 01:29 Vergleich 02:43 Benefits 05:42 Nachteile 06:11 Fazit    ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ ► Gratis US-Kreditkarten Workshop: https://www.travel-insider.de/us-kreditkarten-webinar ► Instagram: https://www.travel-insider.de/insta ► Viele weitere Informationen & verschiedene Deals findest du auf meiner Website: https://www.travel-insider.de ► Hier kannst du den kostenlosen Upgrade-Report downloaden https://www.travel-insider.de/upgrade-report ► Podcast: https://www.travel-insider.de/podcast ► Feedback und Fragen an podcast@travel-insider.de ▬ Über diesen Kanal ▬▬▬▬▬▬▬▬▬▬▬▬ Mit Dominik, dem "Travel-Insider", bekannt aus GALILEO (PRO 7), hast du genau den richtigen Kanal für mehr Komfort und Luxus beim Reisen gefunden. Erfahre hier auch, warum es auch für Dich Sinn macht, endlich Business Class zu fliegen und dabei nur den Economy-Preis zu bezahlen. Dann bist du hier genau richtig! Ich, Dominik Reichert, biete dir wöchentlich neuen Input und neue Tipps, um deine Reisen auf das nächste Level zu bringen. ▬ Noch mehr Videos ▬▬▬▬▬▬▬▬▬▬▬▬ ► Alle Videos von "Travel-Insider": https://www.youtube.com/channel/UCSjv8FRKjOQfCXmxNEwrQLg ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ #amexplatinum #amexgold #kreditkarte

Join Anne Ganguzza and Danielle Famble for the next BOSS Money Talks episode, as they share tips on how to manage both business and personal finances. From choosing the ideal business credit card to managing your everyday spending, The BOSSES provide the tools you need to enhance your financial efficiency. Anne and Danielle delve into the practical aspects of leveraging credit cards for business gains, highlighting the potential to earn cashback and travel points while simplifying your bookkeeping tasks. They discuss the art of planning large expenses and paying off balances to avoid interest traps, alongside sharing personal stories of their credit journeys. 00:04 - Anne Ganguzza (Host) At Anne Ganguzza productions. I focus on personal growth and artistic expression and can help you unlock the full potential of your voice. It's a journey of discovery and strategy and I'm here to help guide you every step of the way. Your story deserves to be heard. Find out more at anneganguzza.com.  00:35 - Intro (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:48 - Anne Ganguzza (Host) Hey everyone, welcome to the VO Boss Podcast and the Boss Money Talk Series. I'm your host, Anne Ganguzza, and I am so ecstatic to be back again with Danielle Famble. Hey.  01:01 - Danielle Famble (Co-host) Anne, I am glad to be back, happy to talk money and finances and being a boss with you.  01:07 - Anne Ganguzza (Host) I love it. I love it, except Danielle. I just had to pay my American Express bill. Yeah, and I will tell you and the bosses I have a business credit card, which I think is the best thing since sliced bread and the reason why I love my business credit card maybe not so much for all the money that I have to pay on it this month, but mostly because I get money back. I mean, I try to strategically use that credit card to my advantage, for my business.  01:34 - Danielle Famble (Co-host) Yeah.  01:34 - Anne Ganguzza (Host) So I know I have a credit card and a couple of other tricks up my sleeve, but I have a feeling you have a couple of tricks up your sleeve that I would love to know about.  01:44 - Danielle Famble (Co-host) Oh, man, If you want to get me to nerd out on anything ever, you chose the right topic Credit cards. Credit card points and miles is my jam. I'm wearing my nerdy glasses today, Just so excited to talk about credit card points.  02:01 - Anne Ganguzza (Host) So fill us in on how we can take advantage, Because I mean, why not? Right? I'm excited, I'm excited. So I'll just tell you, my American Express gives me money back and I picked it specifically because of that. It gives me money back every month the more I spend with it and I thought, well, that's great. That just encourages me to always use that card to spend. And for me, I only have the one for my. Actually, I have a couple for my business, because I do have a bank account which then gives me a credit card by default. Okay, I've got a debit card, I've got a business debit card, but I also have a credit card with them which I don't use right now. But they are always touting oh, you can save 3% if you buy gas, that kind of thing. But I end up using the one card only because for me, my brain, it makes things simple right now to deal with, but I'm sure that I could be taking more advantage of other things.  02:53 - Danielle Famble (Co-host) Oh, yeah, you talk about your credit card. I actually just opened up a new credit card for my business and when I open that credit card you get a certain number of bonus points if you spend a certain amount of money in the first couple of months of opening the card.  03:08 Mostly, really to— yes, yes, similar to my bank. Yeah, to incentivize you to use this card. Well, this particular card would give me I think it was 250,000 points to travel, and I was so excited about it because I have travel coming up to go to conferences and things like that and instead of using cash to spend the money to travel, I can use these points as another currency as a way to get to a conference or two or three, or travel or stay at hotels. So it's a way of utilizing the money that I'm spending anyway and having a different currency to be able to use it. And that's a way of utilizing the money that I'm spending anyway and having a different currency to be able to use it. And that's just sort of the beginning. You're talking about money back into your business, but I just I love talking about like points and miles because you're spending the money anyway for your business, right, and so you're getting this currency back to be able to do other things with it.  04:02 - Anne Ganguzza (Host) So then let me ask you a question Are you looking always for deals, current deals with new credit cards, or is it just if it happens to come up when you make a purchase, sometimes like well, let's say, I go clothing shopping, sorry, and they'll be like well, you can save 20% on your order today if you open up a credit card with us. And there'll be a lot of times that I'll do that just because I want to save the 20%, and then I really don't have any intention of using it again. If it's a store I don't shop frequently, but I will absolutely do that. But now I also know that that does affect my credit score. It's not always a negative impact on the credit score, because I happen to have I'm very proud of the fact that I have a really good, almost perfect, credit score.  04:39 - Intro (Announcement) Oh, great yeah.  04:40 - Anne Ganguzza (Host) After many, many years.  04:41 - Intro (Announcement) And.  04:41 - Anne Ganguzza (Host) I'm like. Well, I don't know, is that going to affect if I open up a credit card? How do you handle the credit cards?  04:46 - Danielle Famble (Co-host) So again, we've talked about this. For me I'm dealing with personal, totally separate than business. So, for example, with my business credit card that I just opened, I knew that I was going to have a lot of really big expenses coming up for the business and because I was planning that, I was looking for a credit card to be able to capitalize on the amount of money I was already planning on spending and had already planned and put that money aside to pay this.  05:14 - Anne Ganguzza (Host) Okay, so let me ask you so, for example, not that I'm going to delve that deeply, but I'm thinking was this for travel for a voiceover conference, or maybe new equipment or something new for your studio, or maybe demos right, things that you would invest in, right for your voiceover business?  05:28 - Danielle Famble (Co-host) So, big ticket items like a demo or a voiceover conference would be a good opportunity to maybe look into this Potentially yes, I always give a caveat first with using credit cards at all, and you're talking about your great credit score and I'm proud to have really worked to build my credit score as well. To have a great credit score is making sure that you can pay the credit card off in full at the end of the month.  05:52 - Anne Ganguzza (Host) Oh, thank you for saying that. Yes, I absolutely make it a point to do that every single month, exactly.  05:56 - Danielle Famble (Co-host) Because if you don't, then you're actually kind of not really getting all the perks and having the benefits of having this credit card, because then you're paying this huge fee for interest and things like that. So for me, when I'm looking at credit cards be it for personal or for the business I want to make sure that I have the ability to pay it off. It's almost like using the cash that I already had on hand to pay off this bill and I'm getting this huge point value, or I'm getting points along the way.  06:26 - Anne Ganguzza (Host) I love that you said that, because I will always, when we talked about our business accounts, our bank accounts, I am so thankful and grateful for that business savings account. Because that business savings account says to me I've got a big ticket item coming, I have the money that I can pay it all off at the end of the month, which I think absolutely is so important. And I'll be the first to admit I mean I have let my credit cards go.  06:48 I mean when I was younger and foolish, I let my credit cards go and have a balance and at one point there was a big balance on it and you end up spending so much money on interest that it's not necessarily an ideal situation, that's for sure, and especially if this is your business and I'm not saying that you have to wait to buy everything until you can pay it off at the end of the month. However, it certainly makes things a whole lot easier.  07:12 - Danielle Famble (Co-host) Yeah, it makes things a lot easier and also you're able to plan for what's coming up. So you're being proactive about what you're doing for your business. Talk about, like big-ticket items buying a new booth or a microphone or demos Lord knows, they're not inexpensive and so these are things that you need to plan for, and by planning for it and having the financial resources able to pay for it, then really you're able to utilize other tools to get you a little bit more for the money that you are already planning on spending. You are already planning on spending. This is actually something I learned from a personal finance situation when I was trying to really understand like money and finances and learn about, like, how money works.  07:52 I learned in my own personal life that if I didn't have the cash to spend on something, I was putting myself deeper in a hole by spending additional money on interest because I really didn't have the money to buy that thing in the first place. Now I understand. You know, not everyone has the money to like pay everything off in full. I was at my grocery store and, ann, I will tell you they have pay over time at my grocery store. Oh man.  08:18 It's unreal and I get it. Times are tough and money can be really, really tight. Get it, times are tough and money can be really really tight. But I do think this is an opportunity for planning for certain big expenses that you can utilize, opening up a credit card or using your credit card to be able to get you things like protections for that device. You know, if you use a certain credit card, they may cover it instead of needing to get the extra insurance.  08:43 That's actually a really good point. Yeah, there are so many different things that you can utilize by using a credit card for let's talk about business for the business purchases that you're doing.  08:52 - Anne Ganguzza (Host) So warranty like additional warranty or protection, so I wouldn't have even thought that actually, if you buy it with your credit card, does it give you additional protection?  09:00 - Danielle Famble (Co-host) Yeah, yeah, and also my boyfriend was telling me that his debit card, his number, got like taken or hacked or something like that, and so they were trying to take money out of his account. But if that happens with a credit card, you're dealing with the bank's money, not your own personal money, so it's a little bit easier to get that money recovered if something would happen with it.  09:20 So there are so many different protections that can happen. And even you said you have one credit card for your business for bookkeeping we talked about bookkeepers and things like that.  09:30 - Anne Ganguzza (Host) It's one ledger to be able to cross-reference and say, okay, this is what I spent over the course of time, and I mean I'm getting so excited right when I went to a conference.  09:42 - Danielle Famble (Co-host) I went to J Michael's Euro Retreat. Actually, when you and I met in person to Amsterdam, you know I flew there on points. My flight was totally covered by points and it was accumulation of points that I had spent by utilizing my credit card for all of the business expenses that I pay monthly. My Source Connect, my Zoom accounts, my all of this stuff. It's paid through a credit card. And then I had accumulated enough points to be able to fly for free Business class.  10:11 - Anne Ganguzza (Host) It was nice. I love using my credit card to pay for all my monthly subscriptions because, again, my one subscription that I have for personal right, which is I have a subscription, peloton which is like $44 a month, which is some crazy amount, but I use it. So for me it's worth it and it's funny because the amount that I'm getting paid back on that credit card pretty much pays for about half of that. So it's kind of cool. I broke my monthly price down from $44 to like $24. And so it really works out. It's $24 a month. So for me that works. And so, if you can look for those creative ways. But like, how much time do you spend looking for deals or checking on the deals? Because a lot of times I think credit cards will have a deal and then it only lasts for a certain amount of time, right, and then maybe interest rate will go back up or maybe it won't get 3% or 4% on gas purchases. You won't get it anymore. So how on top of it do you have to be?  11:08 - Danielle Famble (Co-host) I think you would need to be on top of it. If that's something On a monthly, probably on a monthly basis. If that's something that you are planning on, for example, opening up a new card, for example, for me, I was ready to open a new card, and so I spent a couple of hours on Google YouTube like just checking around to see what was out there.  11:28 - Anne Ganguzza (Host) So what do you Google? So, if you're searching for a new credit card, what do you Google? What's a smart thing to search for?  11:34 - Danielle Famble (Co-host) For this one, I was looking for business credit cards because again, personal and business. So there are some business credit cards you can get. You can just Google best business credit card in the year. And then, for the most part in Google, it'll tell you, like what options are available and it'll even give you potentially some hints if you were to go into incognito mode. When you're looking for new credit cards, the bonus points may be higher than when you just search for it normally.  12:04 - Anne Ganguzza (Host) Oh, that's so interesting because you're right, because your information is in Google anyways. There's the tip of the day, Guys, we can go home now Because I think that's a great tip. Like you would I never would have thought of that to go in incognito mode, because then they're not necessarily going on information that they already have on you for that credit card and you might get better deals.  12:22 - Danielle Famble (Co-host) Yeah, exactly.  12:23 - Anne Ganguzza (Host) Because more than likely, they know that I have an American Express credit card that I've used online 100 billion times before.  12:29 - Danielle Famble (Co-host) So they're not trying to bring you in as a new customer because they don't know that you are or are not a current customer.  12:35 - Anne Ganguzza (Host) So do your searching in incognito mode.  12:38 - Danielle Famble (Co-host) I love that, yeah, and that's actually exactly what happened to me. I was looking for this particular credit card and my first Google search said okay, great, 150,000 points. Wonderful when incognito mode, 250,000 points, same card, same everything. And I was like oh, what can I do with 250,000?  13:02 - Anne Ganguzza (Host) points. I would just say, personally, this doesn't matter. I mean, you could be shopping for studio equipment, right, which I always say. Vioboss has a great studio equipment list that you can certainly click on and buy. But when you are searching for equipment online, I mean you can even like do that in incognito mode, or if you're signing up on a website for the first time, a lot of times they'll give you an offer for, say, 15% on your first order, right, or whatever it might be, and so I might be going back to the same company that I already purchased something and I'll sign up with a different email address so that.  13:35 I can get that discount and that will actually help me to make that decision. Well, all right, I can save 15%. So, yeah, that's good, that's good for me, I'll buy it. So same thing with a credit card, right. So when you're shopping, pretend like you are a new person shopping for that, and I think you'll get a really good deal, yeah, and just look around and shop around Again.  13:54 - Danielle Famble (Co-host) When you're ready to make these big purchases is a good time to start looking to see I'm going to spend the money anyway, what can I get for the amount of money that I'm planning on spending? So that's a really great opportunity. But also there are ways to get deals or to get stuff for the points that you're already accumulating. In some ways it can be just cash back. In other ways it could be travel, which I absolutely love that because I like to travel anyway, and I'm going to be traveling for some of these conferences or staying at hotels.  14:27 - Anne Ganguzza (Host) And hotels too, like, if you are, we're a Marriott vacation owner and so we try to stay at Marriott's whenever possible because we can get points with Marriott's, and so then when I go to a voiceover conference, I can use those points theoretically to either have a room if I'm not provided a room already, but if I'm provided a room, I can use the membership that I have to upgrade that room, yeah, and then get maybe a free breakfast or get access, get free water. Gosh knows that we need water all the time.  14:55 So, I'm always looking for that free water deal. I'm like, okay, I am a gold card member or I'm a Marriott club member and so I need my free water today. Right, yeah, so every time I go to VO Atlanta, they don't put water in the rooms anymore. And now they're doing a thing. Well, they do. I'm sorry, Excuse me.  15:15 There was one place that I went where they don't put water in the rooms they now have, like a place where you can fill like a refillable sort of thing, which I think is a great idea so that you don't have to waste the plastic bottles anymore. But at Vio Atlanta, at that hotel I had credit at the store so I would go down and get like the big because I drink a lot of water. I get one of the big bottles of water every day for my coffee machine. I don't love Starbucks coffee, so I'd make my own coffee. But yeah, there's so many cool things you can do with hotels and airfare.  15:40 - Danielle Famble (Co-host) And even having access to like, for example, you said, american Express. You have an American Express card. There is the American Express card that has access to what's called fine hotels and resorts. So you can book through that relationship and I was actually looking at that for a trip that I was taking and you get like free breakfast and early check-in and check-out and you get like an experience credit at that hotel. So you get more just by having the virtue of having this relationship, which then can possibly make your stay a little bit more comfortable.  16:15 - Anne Ganguzza (Host) So you're saying the relationship with money can help you get more things?  16:22 - Danielle Famble (Co-host) Yes, and have a different quality of life.  16:24 - Anne Ganguzza (Host) Yes, you can have a good relationship with your credit card, and I think that's a good thing. Have good relationships with your credit card, not bad ones.  16:32 - Danielle Famble (Co-host) Exactly, and that actually is a really, really good point, because I grew up and I'll just have a little bit of a transparency moment I grew up hearing credit is bad, credit cards are bad, do not use it, and I actually didn't even get my first credit card until I was in my mid-20s because I was told that I didn't need it because it was bad and nothing good could come from it. But really it's a tool that can be used to enhance your quality of life, to give you more protections, if used properly.  17:03 If used properly, that's the caveat and understanding how it works and what the tool is to be used. That interest, if you're carrying interest, is a tool that can work against you so quickly because that interest rate for credit cards specifically, is so high. And you'll know what it is because you can actually log into your account and see what the interest rate is. This is not secret stuff and see what the interest rate is. It's not, this is not secret stuff. So if you go and you take a look at it and you see, okay, I'm spending 20, 25% interest Every single month, it's working against you. But then we talked about the savings accounts, right, and how much you can make in having interest when you have your money with some of these accounts.  17:48 So it can work for you but also interest, can work against you. If not, this tool is not being used and utilized responsibly and properly for what is needed for.  17:58 - Anne Ganguzza (Host) Yeah, and it's so hard sometimes when you lose that control. I think it has to do with well, I don't know, maybe we talk about like we're talking about, you know credit cards and all that, and so I think, with all due respect, we do have to say we have to have a respect for it, for the credit card, a respect for the money so that it is being used responsibly, Because when it does get out of control and I will tell you, as a young girl, mine got out of control and I ended up having a huge balance and then spending this atrocious amount of interest on it and I, like you, was told that credit is bad. You should really just pay for everything. You should have the money right. If you don't have the money for it, don't buy it Right, which I agree with right.  18:37 I know where that philosophy is coming from. It was meant for protecting me. However, you still, I think, need to have the money before you buy it, but now you can use the credit card as a tool to get more right and to maybe get more value for that. So I think the idea, the premise, is still the same Make sure you have the money before you buy it. I mean, in an ideal situation you should have the money to buy it, Otherwise maybe not buy it and then use a credit card as a tool that has benefits and perks and all those other things so that you can get more value out of it.  19:11 Absolutely, yeah, yeah. So what sorts of things, danielle, do we have to watch out for when maybe we're using credit cards for our business or shopping for credit cards in our business? Are there any red flags out there? What do you?  19:21 - Danielle Famble (Co-host) recommend? I recommend having a business credit card, specifically one that is for business. You can get like what would be a personal credit card in your business's name, but that goes back to sort of mixing the business and personal. There are business credit cards for a reason. I would utilize a business credit card when you're looking to open up a credit card for your business, and it does need to be in your business's name.  19:50 - Anne Ganguzza (Host) Yes, I agree, I have both a business and a personal. Yeah, american Express and Costco. By the way, I have both a business Costco card and a personal Costco card.  19:58 - Danielle Famble (Co-host) Yeah, so just whatever is business and personal, they are completely separate entities. Your business, if you run your business in a certain way with like a LLC, for example, it has its own federal identification number. Yeah, so like it's really a separate entity. So if you're going to be looking for a credit card for your business, look for business credit cards, and I have found that business credit cards will offer certain protections for things that we utilize, things for business for. I even saw American Express Platinum has like a credit for the Adobe Creative Cloud, and so if you utilize, you know, adobe Audition, for example, then maybe that's something you know you want to use it for. So, looking for things for a business, looking for a business credit card, is the first thing that I would take a look at.  20:46 Second of all, be prepared to get a new credit card if you do have like large purchases that you're already planning for, going back to essentially having the cash on hand to justify the amount that you're going to be spending, so that you do not start paying interest on this card that you were trying to get you know value from?  21:05 And the other things that I would look at are is there an annual fee for the card Because you are spending money to have this card, and are you able to justify that annual fee with the benefits or the credits or the perks that you're getting by having this card? And there are plenty of cards out there that do not have an annual fee, and that's something to think about.  21:24 - Anne Ganguzza (Host) I was just going to say. It used to be a thing where almost all the cards had an annual fee and then they started. And again, I think it's all a sell right, it's all a sell mechanism right. They started most of the ones. I won't even entertain the idea of one that has a fee, unless, of course, the benefits outweigh, and I haven't had a card with a fee for many years. I don't know what about you.  21:45 - Danielle Famble (Co-host) I have several cards that have fees.  21:48 - Anne Ganguzza (Host) So then that means that the benefits, though, the benefits though are outweighing those fees that you pay every year. Okay, and especially, I think you're going to find that in a business credit card sense right the fees versus a personal card, because I think a lot of times personal cards people are looking for no fees right, they're looking to get the best deal possible. But for businesses, I think companies want to say, all right, for this fee we'll offer additional protection for blah, blah, blah. And it's very interesting because I never actually looked into. I have an American Express business credit card and just because of the simple fact that I got money back every month was enough for me, and I never really looked at beyond that what it offers. And so now I'm going to go back and look at the fine print and see what protections it offers and warranties and maybe additional deals that I'm not taking advantage of Exactly.  22:37 - Danielle Famble (Co-host) I mean one of my business credit cards offers protections on rental cars, so it offers that like you don't have to buy that insurance Exactly.  22:45 - Anne Ganguzza (Host) So really which is a huge fee these days Exactly. Oh my gosh.  22:49 - Danielle Famble (Co-host) So, taking a look, it kind of becomes a little bit of a matrix of like okay, this covers this and this card will cover these things and everything else. And, like I said at the beginning of this episode, I get really nerdy about these things. So you know, I have a spreadsheet about all the different things that my different credit cards can provide for me in terms of bonuses and value.  23:10 - Anne Ganguzza (Host) And now do you have more than one business card?  23:12 - Danielle Famble (Co-host) I now have a second business card. I just this week opened my second business credit card. Like you, I prefer to have everything streamlined on one card.  23:22 - Anne Ganguzza (Host) Sure, but I couldn't say no to 250,000 points, I mean yeah, no, I get you and those points will apply. And then you know what? Here's the deal If you do open up an extra card and then you find out that it's no longer serving you with that value, then you're done with it. There's typically no penalty for not using it.  23:38 - Danielle Famble (Co-host) What I would say to that and for me this is always my calculus, personal or business opening up a new card is is there a downgrade path? So you don't necessarily want to close the account because that may work against you. But is there a way to go from a paid card to downgrade to a no-fee card, and so I always think about that when I'm looking at getting a new credit card. Is there a downgrade path to a no-fee card that I can open up instead?  24:07 - Anne Ganguzza (Host) Now you just made me think of something different. Now, when I bought a car again, I was fortunate enough to have money in the bank and I could have paid cash for that car. However, I opted to put half down and pay the rest of the half on the finance plan, because the finance plan was 1%. I had 1% and it was like literally, I think, over the course of seven years, I paid $500 or something, I don't know. It was like a total of $500 to do that, and the reason why I did that was to gain better credit, because if you don't have any credit, you don't have any credit.  24:44 You know what I mean you can't get good credit if you don't have any credit. And so when my husband and I got married, we were trying to consolidate credit cards and pay off debt and get that out of under the way, but we realized that you do need to have some credit cards in order to keep good credit and for people to entertain business loans to you. So having good credit is an important thing for your business and, as a matter of fact, I happen to know that when we were buying a home and myself being self-employed right, they looked at my credit card. They looked at my business credit card because they wanted to see what do I pay on a monthly basis? How much money am I putting out? That was part of my certification that I could be part of that mortgage that we were going to get for this house, and so having good credit actually was working against me.  25:45 - Danielle Famble (Co-host) So what I was told and what I understood to be true about just avoiding credit was not going to serve me for the things that I wanted, in the long run, to buy a house or to get a really nice apartment or qualify for certain things, it requires having credit, and not having any at all was not helping me, and so utilizing credit cards as a tool and respecting it and paying off the credit cards in full or paying on time those kinds of things really do help. So not having credit at all really can hurt you, but utilizing it improperly can hurt you even more.  26:16 - Anne Ganguzza (Host) So, bosses, use your credit wisely to invest in your business and to get extra value. So great discussion. Danielle, thank you so much for joining me today and again, I look forward to our sessions all the time. I look forward to talking with you about money bosses out there. Great big shout out to our sponsor, ipdtl. You too can connect and network like bosses. Find out more at IPDTLcom. You guys have an amazing week and we will both see you next week. Bye.  26:48 - Intro (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

Airplanes are not known for their comfort or service. So if you want to have the best experience that you can while cramped inside with a bunch of strangers, here is some advice on how to choose the best seats on an airplane. We share our pros and cons of the bulkhead seats and areas of the plane to avoid. Episode Highlights Tamara doesn't like row 1 or the bulkhead row because you can't keep your personal item at your feet and often the overhead bins above that row are full you end up needing to store your valuables and even your carry on bag a few rows back. Often the first couple of rows of economy is where they store crew luggage, blankets, emergency kits, etc and the room is really limited. Also, since those rows are often "premium economy" people sitting there board early and have status and take up the overhead space. Those bulkhead rows also have fixed armrests that are a bit of a wall that can be uncomfortable. Also, this is where your tray table and tv screen is stored there so you also end up looking down if you are watching the screen. These seats also often have the very thick seatbelts with a built in airbag that can be uncomfortable. The middle section bulkhead is also where they put a bassinet and a baby. The pro is that you have leg room and you aren't going to have someone reclining in front of you On the exit row, you also sometimes have a bump out for the slide that cuts into your space in the window seat Remember to always double check your seat assignments in the days and weeks leading up to the trip, especially if there have been any changes to your flights as they may have shifted your seats if there was an equipment change Sometimes the middle section of a larger plane or international flight you can find a seat without someone next to you, especially if you are traveling solo When choosing a seat, always look at the layout and be aware of where the bathrooms are. You don't want to be either right across from the bathroom or the rows nearby if possible Also, if you are sensitive to sound, you may not want to be in the very front or back near a galley because of the noise, light, and movement The row just in front of the exit row is often used for storage in the overhead bins and space is tighter The seats in the exit row or just before/after sometimes don't recline. Also, the very back of the plane or section have seats that only recline a tiny bit Kim and Tamara both prefer the aisle for easy access to the bathroom and to not feel as claustrophobic Windows can be nice if you want to sleep and you aren't getting bumped by people walking by or the carts going up the aisle Kim likes the aisle of the middle section on international flights because sometimes there might be an open seat next to you If you see all four seats of that section booked, it is likely a family and you might want to be two rows before or after that row If you have a tight connection, try to be as far forward as you can in the plane. It is worth paying extra for a premium seat towards the front Seat Guru is not always updated but can be a good resource. Another site that gives seat reviews is Aerolopa If you have an American Express Platinum card you get a $200 airline credit each year but you need to select your airline. This doesn't go to the fare but can be used for seat upgrades or baggage fees If they change your flight schedule, you need to go in and accept or reject the changes. If the schedule changes more than a certain amount of time, they have to give you a full refund

Send us a textCondor nimmt die Dinge selbst in die Hand und setzt vermehrt auf City-Verbindungen wie Frankfurt-Berlin, um ein eigenes Zubringernetzwerk für die Langstrecke zu etablieren und Geschäftsreisende anzusprechen. Eine spannende Ergänzung könnte ein eigenes Vielfliegerprogramm sein, das laut Airline-Chef Peter Gerber in Planung ist, jedoch noch nicht konkretisiert wurde.Parallel dazu verlängert Condor die Kooperation mit American Express Platinum bis Oktober 2025. Langstreckenpassagiere profitieren weiterhin von Rabatten, zusätzlichen Gepäckstücken und weiteren Annehmlichkeiten. Allerdings fallen ab März 2025 die Vorteile auf Kurz- und Mittelstrecken sowie der kostenfreie Zugriff auf das Onboard-Wifi weg.Die neue Strategie könnte Condor helfen, die Kundenbindung zu stärken und unabhängiger von den Zubringerdiensten der Lufthansa Group zu werden. Gleichzeitig müssen Vielflieger und Amex-Nutzer die Einschränkungen im Auge behalten, um die verbliebenen Vorteile optimal zu nutzen.#CondorAirlines #Vielfliegerprogramm #AmexPlatinum #Reisen #Flugreisen #Langstrecke #Bonusprogramm #GeschäftsreisenFragen des Tages: Habt ihr die American Express / Condor Kooperation genutzt? Sollte Condor ein eigenes Vielfliegerprogramm auflegen?00:00 Willkommen zu Frequent Traveller TV02:08 Swiss Airbus 220 HB-JCD wieder im Liniendienst04:46 Austrian Airlines Sommerflugplan 202507:00 Tuifly Verdi Warnstreiks ab Februar08:38 Easyjet hat starke Winterbuchungen10:38 Condor und American Express Kooperation verlängert mit Änderungen13:18 Condor Bonusprogramm eine Option15:54 TSA hat 6678 Waffen an Flughafen Securities eingesammelt20:50 Fragen des TagesTake-OFF 22.01.2025 – Folge 021-025Stammtisch Termine: https://FQTWorld.as.me/meetupKanalmitglied werden und exklusive Vorteile erhalten:https://www.youtube.com/channel/UCQyWcZxP3MpuQ54foJ_IsgQ/joinHier geht es zu eurem kostenlosen Consulting Link - https://FTCircle.as.me/Damit Du von unserem Wissen profitieren kannst, kannst du ein mindestens 60 minütiges und vor allem auf dich zugeschnittenes Punkte, Meilen, Status Coaching buchen. Nach dem Call bekommst du ein Jahr Zugang zu dieser Gruppe und zahlst so nur 10 Euro pro Monat und kannst sofort profitieren. Hier ist nun der Link zu deinem neuen Punkte, Meilen und Status Deals.MY SOCIALSWhatsApp - https://wa.me/message/54V7X7VO3WOVF1FACEBOOK | Lars F Corsten - https://www.facebook.com/LFCorsten/FACEBOOK | FQT.TV - https://www.facebook.com/FQTTVFACEBOOK | FTCircle - https://www.facebook.com/FTCircleTWITTER | Lars F Corsten - https://twitter.com/LFCorstenINSTAGRAM | Lars F Corsten - https://www.instagram.com/lfcorsten/LINKEDIN - https://www.linkedin.com/in/lfcorsten/Clubhouse - @LFCorsten

Send us a textIn den letzten Tagen kursierte das Gerücht, dass American Express den Lounge-Zugang für Amex Platinum-Karteninhaber bei Lufthansa einschränken könnte. Die aktuellen Lounge-Standorte sind weiterhin zugänglich. Spekulationen entstanden durch die oft überfüllten Lounges und pausierte „Pay-per-use“-Optionen. Amex bleibt also auch weiterhin ein zuverlässiger Zugangspartner für Lufthansa-Lounges.#AmexPlatinum #Lufthansa #LufthansaLounges #Vielflieger #Reisetipps #LoungeAccessFrage des Tages: Wie seht ihr die Zukunft der First Class? Seid ihr von den Änderungen der Amex Platin beim Zugang in die Lufthansa Lounge betroffen?00:00 Willkommen zu Frequent Traveller TV01:51 Singapore Airlines neue First Class in A350ULR06:32 Airbus A380 Routen werden u.a. mit 777-300ER ersetzt09:44 Condor eigene Zubringer in Deutschland und 5 Flugzeuge werden aus Deutschland abgezogen14:56 DHL Brandsätze waren mit Magnesium besonders gefährlich17:58 Lufthansa Lounge Zugänge mit American Express Platinum eingeschränkt?20:42 Marriott will 80-90 Millionne Dollar sparen. Auf Kosten der Kunden?23:13 Frage des TagesTake-OFF 05.11.2024 – Folge 247-2024Stammtisch Termine: https://FQTWorld.as.me/meetupKanalmitglied werden und exklusive Vorteile erhalten:https://www.youtube.com/channel/UCQyWcZxP3MpuQ54foJ_IsgQ/joinHier geht es zu eurem kostenlosen Consulting Link - https://FTCircle.as.me/Damit Du von unserem Wissen profitieren kannst, kannst du ein mindestens 60 minütiges und vor allem auf dich zugeschnittenes Punkte, Meilen, Status Coaching buchen. Nach dem Call bekommst du ein Jahr Zugang zu dieser Gruppe und zahlst so nur 10 Euro pro Monat und kannst sofort profitieren. Hier ist nun der Link zu deinem neuen Punkte, Meilen und Status Deals.MY SOCIALSWhatsApp - https://wa.me/message/54V7X7VO3WOVF1FACEBOOK | Lars F Corsten - https://www.facebook.com/LFCorsten/FACEBOOK | FQT.TV - https://www.facebook.com/FQTTVFACEBOOK | FTCircle - https://www.facebook.com/FTCircleTWITTER | Lars F Corsten - https://twitter.com/LFCorstenINSTAGRAM | Lars F Corsten - https://www.instagram.com/lfcorsten/LINKEDIN - https://www.linkedin.com/in/lfcorsten/Clubhouse - @LFCorsten

Assher and Valone discuss the benefits and experiences of using the American Express Platinum card for travel. They highlight the card's perks, such as automatic gold status with Hilton and Marriott, rental car upgrades, incidental credits for flight delays and luggage fees, and access to airport lounges through Priority Pass. They also compare the American Express Platinum card to the Chase Sapphire Reserve card and discuss the annual fees and points accumulation. Overall, they emphasize the importance of researching and understanding the benefits and usage of different credit cards for travel. They discuss the American Express Platinum card and its benefits in the conversationos. They highlight the perks of the card, such as travel credits, lounge access, hotel upgrades, and concierge services. They also mention the importance of considering your travel habits and frequency before getting the card. The conversation concludes with a discussion on various airports worldwide and a shoutout to a listener and fellow traveler. --- Send in a voice message: https://podcasters.spotify.com/pod/show/youngblacktravelers/message Support this podcast: https://podcasters.spotify.com/pod/show/youngblacktravelers/support

El 73% de los huéspedes aseguran que están dispuestos a pagar más por seleccionar su habitación, siguiendo la tendencia de personalización implantada hace años en la industria aérea, que generaría incluso hasta un 50% más de beneficios a los hoteleros gracias a los servicios adicionales. Así es como la oferta de turismo premium va al alza, según Hotelverse. Ávoris Corporación Empresarial negocia la compra del grupo de gestión de agencias de viajes independientes DIT Gestión, que lidera el número de puntos de venta en España con 859 en total, aunque "no hay ningún acuerdo cerrado aún". La intención de viajar de los españoles en 2024 ha aumentado un 19% con respecto a 2023, con un presupuesto de entre 500 y 2.000 euros por persona, según el informe Travel Trends 2024 lanzado por Visa junto al Payment Innovation Hub. El consejo de administración de Renfe ha aprobado el inicio del proceso para la creación de una filial francesa que se encargue de la búsqueda, ejecución y explotación de su negocio en ese país, en el que espera poder operar pronto sus trenes de alta velocidad hasta París. Aena ha nombrado a Ignacio Castejón Hernández director Económico-Financiero de la compañía tras el fallecimiento de su antecesor, José Leo, el pasado mes de abril. Explora Journeys, la marca de cruceros de lujo Grupo MSC, ha anunciado una alianza con el Programa de Privilegios de Cruceros de American Express. Así, la naviera proporcionará beneficios exclusivos para los titulares de tarjetas American Express Platinum y Centurion. El Ministerio de Hacienda de España planea aumentar la cantidad de bebidas alcohólicas libres de impuestos que los cruceros pueden transportar y vender en sus viajes internacionales. El límite actual no tiene en cuenta la naturaleza de ocio propia de este tipo de embarcaciones, su duración o su capacidad de pasajeros.

American Express has four different Platinum cards, all with a $695 annual fee. In this episode Greg and Nick not only help differentiate these Platinum cards from one another, they also pick out which one is best (or which is best for which kind of need.) (01:30) - Data point on calling for reconsideration for targeted 200K Amex business platinum card. Do people without business cards yet have better luck? (Mailbag) (03:14) - What crazy thing did Asiana do this week? Well...seems like their phone line goes to a very wrong recording. (Crazy Thing) (05:42) - Etihad is updating their loyalty program in June (Award Talk) - Find out what other programs' change and cancellation policies are. (09:33) - American Express has 4 different Platinum cards (which have $695 annual fees) (Main Event) - Learn more about the American Express Business Platinum card. - Learn more about what we call the "vanilla" American Express Platinum card. - Learn more about the American Express Charles Schwab Platinum card. - Learn more about the American Express Morgan Stanley Platinum Card. (13:30) - What do all the Platinum cards have in common (13:50) - Find out what might count for the Airline Incidental Fee credit (16:29) - What are some Business Platinum card features, unique to the business card? (18:35) - What are some features that are unique to the consumer Platinum cards? (23:18) - Is there anything that's unique to the normal "vanilla" Platinum card? (25:30) - Is there anything that's unique to the Charles Schwab Platinum card? (27:09) - Is there anything that's unique to the Morgan Stanley Platinum card? (31:45) - Which of these American Express Platinum cards is the best? (35:41) - Greg's final pick (36:19) - Nick's final pick (40:03) - What can I do with leftover Qantas points? (Question of the Week) Visit 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 Yoder

In diese Flughafen Lounges weltweit kommst du mit der Amex Platinum Kreditkarte. Alle American Express Platinum Kreditkarten Lounges: https://www.travel-insider.de/amexloungefinder ▬ Über diesen Kanal ▬▬▬▬▬▬▬▬▬▬▬▬ Mit Dominik, dem "Travel-Insider", bekannt aus GALILEO (PRO 7), hast du genau den richtigen Kanal für mehr Komfort und Luxus beim Reisen gefunden. Erfahre hier auch, warum es auch für Dich Sinn macht, endlich Business Class zu fliegen und dabei nur den Economy-Preis zu bezahlen. Dann bist du hier genau richtig! Ich, Dominik Reichert, biete dir wöchentlich neuen Input und neue Tipps, um deine Reisen auf das nächste Level zu bringen. ▬ Weitere Infos zum Travel-Insider ▬▬▬▬▬▬▬▬▬▬▬▬ ► Viele weitere Informationen & verschiedene Deals findest du auf meiner Website: https://www.travel-insider.de ► Hier kannst du den kostenlosen Upgrade-Report downloaden https://www.travel-insider.de/upgrade-report ► Podcast: https://www.travel-insider.de/podcast ► Feedback und Fragen an podcast@travel-insider.de ▬ Meine Basis-Ausrüstung ▬▬▬▬▬▬▬▬▬▬▬▬▬ ► Lufthansa Flugbuchung: https://www.travel-insider.de/lufthansa ► Miles & More Kreditkarte: https://www.travel-insider.de/mmgold ► Mikrofone: https://amzn.to/4961UpI oder https://amzn.to/4bbwGiV ► Kamera: https://amzn.to/3HVhCbX oder https://amzn.to/3SenD85 (Bei den Links handelt es sich um bezahlte Affiliate-Links. Dir entstehen dadurch keine Zusatzkosten.) ▬ Noch mehr Videos ▬▬▬▬▬▬▬▬▬▬▬▬ ► Alle Videos von "Travel-Insider": https://www.youtube.com/channel/UCSjv8FRKjOQfCXmxNEwrQLg ▬ Social Media ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ ► Instagram: https://www.travel-insider.de/insta ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 

Watch this episode on YouTube at https://www.youtube.com/watch?v=0e2tqO153Nc Want to know how to travel using credit card points and miles? Every Friday we share our insider tips! Click "more" to see Ad Disclosure. Collectively we've redeemed millions of points and miles for hotels and flights worth hundreds of thousands of dollars. We give you the inside scoop how you can do this too! Website: https://www.letsgettothepoints.com/ Email: letsgettothepoints@gmail.com IG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepoints CREDIT CARD LINKS: https://milevalue.com/best-credit-cards/?aff=lgttp EXCLUSIVE TRAVEL DISCOUNT CODES: https://letsgettothepoints.com/tools/ Seats.aero: Award Flight Search Engine Use Code: LGTTP20 for $20 off the first year https://seats.aero/or CardPointers: Save Money and Maximize Your Spend Bonuses https://cardpointers.com/partner/letsgettothepoints/ MaxMyPoint: Hotel Rewards Checker Use Code: LGTTP for 20% off the first 3 months of your Gold or Platinum Subscription https://maxmypoint.com ON TODAY'S EPISODE 0:00 OPENING 1:30 WELCOME 2:19 ROUND TABLE 3:07 Meetup Recap 5:10 LGTTP MEETUP – June 25!!! 7:30 American Express Platinum – Keep or Cancel? 14:07 Want It, Have It, Had It, or Meh 24:23 WEEKLY RECAP 24:32 Extending a Hilton Free Night Certificate 26:58 American Airlines Trip Credit 29:28 Using Work Travel To Your Advantage 30:20 Using United Travel Credits 33:21 Nicole's Wins and Losses 35:05 ASK US: The Best Card for Airport Lounges LISTEN TO US ON THE GO: Apple Podcast: https://podcasts.apple.com/us/podcast/lets-get-to-the-points/id1687838601 Spotify: https://open.spotify.com/show/7Id1L8rLfHtrQdXa6EZwko Thank you for supporting our Channel! See you every Friday with a new episode! A very special thank you to Norma Kay and Geoffrey Moore for their professional talents and help. Support this podcast: https://podcasters.spotify.com/pod/show/letsgettothepoints/support 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 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. --- Support this podcast: https://podcasters.spotify.com/pod/show/letsgettothepoints/support

EP 18: In Swedish/på svenska (press CC for subtitles). ENG: Charlie Lindström is the Creative Director and Co-founder of Chimi, the high-end contemporary eyewear and fashion brand rapidly expanding in Europe and the US and worn by many of the world's tastemakers. We discuss the journey so far, and what's next for Charlie, and Chimi. See Topics below for details Please like and subscribe if you enjoyed this episode - it helps the channel get more great guests! http://instagram.com/gltore http://instagram.com/sequelxyz http://instagram.com/charlielindstrom https://twitter.com/GustafToresson Topics (Swe) (00:00) Tidig kontext och intressen för kläder och still (03:08) Skate och snowboarding (05:03) Stockholms nattklubbsvärld (12:38) Skolgång (14:38) Att jobba nattklubb kombinerat med starten av Chimi (20:32) Medgrundare Daniel och starten av Chimi (25:56) Första finansiering med blancolån (28:13) Produktutveckling och varumärke (34:46) Differentiering, core-katalog och närvaro i Paris (45:07) American Express Platinum (45:36) Internationell expansion (52:07) Produkt och estetik (54:07) Klädkollektioner (56:00) Personlig utveckling (01:01:16) Tips för att starta konsumentvarumärke (01:03:11) 30årsfest (01:06:30) Framtiden för Chimi --------------- Topics (Eng) (00:00) Early context and memories (03:08) Skate and snowboarding (05:03) Working in the Stockholm nightclub scene (12:38) Switching schools (14:38) How working in nightclubs helped the start with Chimi (20:32) Co-founder Daniel and the start of Chimi (25:56) Financing the start with personal loans (28:13) Product development and brand (34:46) Differentiating with retail and Paris presence (45:07) American Express Platinum (45:36) International expansion and further differentiation (52:07) Product and aesthetics (54:07) Entering apparel (56:00) Personal development (01:01:16) Tips for starting a consumer brand (01:03:11) 30th birthday party (01:06:30) Chimi's future Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are talking to Chelsey who is a military travel card hacker. She has figured out how to use really high end credit cards, like the American Express Platinum card which has a really high annual fee, but it is waived for active duty military and their spouses.DISCLAIMER!!! PLEASE be responsible with your credit cards! If you know you are an overspender, maybe this isn't the right path for you. Do your research and make sure to PAY OFF your cards IN FULL every month!There are SO many benefits to having a card like this. Chelsey tells us how to maximize your points and how to transfer them to partner airlines. Chelsey recommends a site called Thrifty Traveller to find deals. The caveat is you really need to be flexible with your travel to get a lot of the really great deals. 9 times out of 10, it will be better to transfer your credit card points to an airline or hotel vice booking through the card. Your points go further when you transfer typically. We talk about different hotel and resort options available to military and some unique reward programs that come with free nights.What about your credit score? Isn't it bad to have too many credit cards or too many new accounts? Chelsey answers all of your questions!Follow Chelsey on IG @camouflageandperks https://view.flodesk.com/pages/63e17c34781752946ff2b424 Support the showI so appreciate you listening to the show!If you wouldn't mind leaving a rating and review I would really appreciate it!!Check out The Ultimate Do It Yourself or DITY guide for FREE!Podcasting is a labor of love for sure! I would love your support! Subscribe to the show HERE! To get in touch with Alison with questions or potential topics or guests please email themilspousepodcast@gmail.com Follow us on IG @themilspousepodcast And please check out our website! www.themilspousepodcast.com

In this episode we share the exact credit cards we use that offer the coveted benefit of airport lounge access for our entire family of 5. This podcast is perfect for beginners, as we aim to demystify the process, clarify the advantages, and provide actionable steps to leverage cards such as the Chase Sapphire Reserve, Capital One Venture X, American Express Platinum, and more.Throughout the episode, we'll break down the different lounge brands - Priority Pass, Capital One, Centurion and the new and upcoming Chase Sapphire Reserve Lounge. We hope to empower you with the knowledge and confidence to make informed decisions when selecting a credit card that aligns with your travel goals.Our goal is to help you elevate your travel experiences, making airport lounges not just a distant dream but an accessible reality - AKA they aren't just for "fancy people."  Cheers!

In the travel and credit card community, there doesn't seem to be any card with a more loyal fanbase than the American Express Platinum card. But is it worth it? Not for me. In this episode, I reveal five reasons why I don't have the Amex Platinum. For more articles on points and miles, visit our webpage: www.therewardsmaster.com

Listen in as we tackle all your burning questions about selling on the Walmart marketplace, from gaining access to coupons and utilizing brand stores to handling comp errors and deactivations. Discover why it's critical to get your inventory to Walmart as soon as possible before the end of October and learn the ropes on what metrics you need to focus on when aiming for the Pro Seller badge. We also tackle your questions straight from our Winning with Walmart Facebook group, so tune in for those insights. Interested in the Walmart Influencer Program? We've got you covered! This episode also explores the ins and outs of the Walmart Influencer Program and provides key updates on when brand stores and video ads will be available to sellers. Listen in as we discuss the approval process for pesticide products on Walmart, the steps to register your trademarks on the platform to get the Walmart brand registry, and whether there is a request a review button in Walmart. Did you know that Helium 10 has tools for the Walmart marketplace? We explore the nitty-gritty of product listings, coupon availability, and how to compete against first-party brands on Walmart. Plus, how to join the Helium 10 Winning with Walmart Facebook Group. Don't miss out on this Serious Sellers Podcast episode to make the most out of your Walmart selling experience! In episode 501 of the Serious Sellers Podcast, Carrie talks about: 02:13 - Access to Coupons for Walmart Sellers 06:24 - Walmart's Review Programs and Opportunities 09:48 - Prohibited Items Approval 12:58 - Walmart Image Guidelines and External Traffic 17:39 - Solving Comp Errors on Walmart.com 19:27 - Seller Badge and Rich Media Guide ► Instagram: instagram.com/serioussellerspodcast ► Free Amazon Seller Chrome Extension: https://h10.me/extension ► Sign Up For Helium 10: https://h10.me/signup  (Use SSP10 To Save 10% For Life) ► Learn How To Sell on Amazon: https://h10.me/ft ► Watch The Podcasts On YouTube: youtube.com/@Helium10/videos Transcript Carrie Miller: Today, we're going to be answering all of your burning Walmart questions. In this Ask Me Anything episode. We're going to be answering things such as when are coupons going to be available for everyone? When can I start utilizing brand stores, how can I deal with comp errors and deactivations? This and so much more. Bradley Sutton: How cool is that? Pretty cool, I think. If you guys would like to network with other Walmart sellers, make sure to join our brand new Facebook group called Helium 10 Winning with Walmart. You can actually just search for that on Facebook or you can actually go to h10.me forward slash Walmart group and you can go directly to that page. So make sure to join. You can tag me and carry with questions and ask questions of other Walmart sellers or even share your own experiences in that Facebook group. Carrie Miller: Hello everyone and welcome to another episode of this Serious Sellers podcast by Helium 10. I'm your host, Carrie Miller, and this is our Winning with Walmart Wednesday episode, where we answer all of your Walmart questions and we give you all of the latest and greatest information about selling on a Walmart. In this episode I'm going to answer quite a few questions that we've had in the Facebook groups. I asked quite a while ago if you had any burning Walmart questions, so I'm going to go over those questions for everyone today and give you some great answers. In addition to that, I wanted to remind everyone that we are in Q4 already, which is kind of crazy that we're already in the last quarter of the year. But start sending in your inventory now to Walmart, because WFS is already starting to take kind of a longer time to check in products and it's going to just get worse and worse as the holidays keep coming closer. So, just like Amazon, try to get your inventory in by the end of this October and just kind of do more than you're used to sending in. I know last year I actually ran out during the peak season of inventory to forever to get checked in and so I missed like three weeks of December, so it was kind of a bummer. So if you haven't done that, make sure to send in that inventory. Carrie Miller: I want to start answering some of these Walmart questions that everyone had and I think they're really good questions. I think they're going to be very helpful for just looking at these answers for all of you. So the first one is that I had on my list is that someone in the groups asked because they really wanted to know this from Walmart, and these are not official Walmart answers. By the way, this is just some research that I've done. It's no way connected to Walmart, but I did do the best that I could to find answers for all of you that had really important questions for Walmart. So the first question was Amazon allows access to all deals and coupons to every seller, regardless of their sales volume. Carrie Miller: When will Walmart give equal access to things like flash picks to Walmart sellers, equivalent to best deals seven days, and what they said is that deal parity right now does not exist on the Walmart marketplace. However, if you do have an account manager, then they actually can submit those coupons for you. So for those of you who are lucky enough to have an account manager and usually you have to have a certain number, a volume of sales per month in order to get one of these account managers. They actually can help you and they'll be able to submit based on the fact that if you have a you know good seller response rate, if you have good WFS metrics and you know a low number of refunds kind of use it basically in the pro seller range they'll be able to help you with coupons if you're not a one piece seller. So that is something to kind of keep a thought in the back of your mind If you, you know, do have an account manager, ask them about coupons, if you can get into those flash picks and they potentially could help you with that. So sorry, I don't have a better answer, unfortunately, but I think that is a good way, you know, at least for some of you, to get access to some of those coupons. All right, so I'll go to the next question. Carrie Miller: Let's see here when can you tell us more about the Walmart influencer program? So the Walmart influencer program is called the Walmart creator program and they are actually trying to do similar to what Amazon has done and they're recruiting a lot of influencers and I don't know if you've seen this, but I know I've seen this on Instagram because I follow a lot of the fashion deals pages, and they are promoting Walmart products in terms of clothing. Right now. There's a lot of cute stuff that you know Amazon sellers are now putting on Walmart, so these influencers are also promoting it on Walmart and they're getting commissions for it. They get a specific commission based on the category, just like Amazon, and so that is something that's really up and coming and something to keep an eye on. If you are in certain categories like home decor, fashion I think those are really good. You know areas to really utilize those influencers because they already have kind of the right audience for you, and so I would highly recommend kind of checking out. Go on to Instagram and search hashtag Walmart influencer or hashtag Walmart partner and you'll see a bunch of videos come up and you'll see you know whose accounts are really Walmart partners so that you can partner with them. Carrie Miller: Okay, so the next question is I saw that brand stores and video ads are in beta. When will these be available to sellers? Now? This is a question a while ago. Video ads are actually available now to brand registered sellers, which is really, really exciting. So if you have your brand registry all set up in the brand portal on Walmart, you have access, so you should be able to see on Walmart connect the video ads so you can do that. In terms of brand stores, they there isn't an ETA for brand stores, but I do know I've seen some sellers who are in the beta and they are testing it out. So I imagine it's the same as what happened with the videos. The videos were in beta not too long ago and they're going to start rolling out. You know the brand stores probably in a similar way. So that's pretty exciting and I hope it's soon. Carrie Miller: But they encouraged everyone in the meantime to take advantage of rich media. Rich media is like A plus content on Amazon and you can go on to the into the help section for rich media and you can actually get free hosting of videos and 360 images currently. So I would check that out. Otherwise, there are a bunch of agencies that do host rich media and you can get different modules that are really I think they're really great modules that you can utilize on Walmart. You just have to pay per skew, so it's a little expensive but worth it if you can see that conversion All right. Carrie Miller: The next question was Amazon has a request to review button that allows Amazon sellers to press a button on an order and Amazon sends a review request email to the to the customer on the seller's behalf. Will Walmart do something similar to help us get more reviews? So the answer of this is that there isn't something that's currently available but and there isn't a timeline for it to be able to get it to be available. However, Walmart actually does send a review request automatically after seven days to the customers on Walmart to request a review, so that's kind of an automatic thing that they already do. They wanted to also encourage all of the you know Walmart sellers to utilize the review accelerator program. So the review accelerator program if you have on your product five reviews or less, then you can pay $10 to ask your current customers for review. So it's actually, I think, different than Vine, because what it what it happens is that people are already buying your product and they'll send them an email and say, hey, we'll pay you $3 if you'll send in a review and then we pay. We pay Walmart $10 for this service, so it's actually really worth it. Up to five reviews, you can get verified reviews from your actual customers. So review accelerator it's in the growth opportunities tab, so check it out there If you have less than five reviews. There's also a review syndication where you can get your reviews copied and pasted, basically over from your website. So a lot of really cool opportunities for reviews, but they don't have any kind of timeframe for that request review button like Amazon has. However, I do think it's pretty encouraging that they're already sending those emails for us, so that's something that's that's great to see. Carrie Miller: So someone just asked how do you register a trademark on Walmart? So basically, you would take the same trademark that you have as an Amazon seller and you're going to go to the Walmart brand registry portal. It's a whole different website, so you can just Google Walmart brand registry portal and then you're going to apply there. It's very simple. You just put in your information there and you can. You can get accepted pretty quickly. So I would recommend go ahead and Google that and it should be pretty straightforward. Carrie Miller: What is the approval process for pesticide products on Walmart? We have 10 bestselling products on Amazon that we are simply not allowed to list on Walmart. The products have all the required government approvals with the EPA, et cetera. So the answer that I found on this is that there's an item report in Seller's Center and it's gonna have the reason code for why an item isn't published and so you can actually open up a partner support case, for all you know, for the web with whatever the reason code is. And then also, if the item status is on says item on hold, then the seller needs to either submit the required documents or provide the missing attributes to complete the submission. So it'll say what attributes are missing or what documents are missing, and you should be able to submit those. I will say I did kind of a case today you can find it on YouTube and we were uploading a hemp product onto Walmart and it has been quite a challenging process and you can actually see part of the process on YouTube. But I'm gonna give an update soon. But the update really is that they really don't want hemp products in WFS right now and I was able to get it approved to sell on Walmart. But it's been quite a challenging process so I'll go more into details about it. But the good news is we can sell seller fulfilled, just not WFS. So there is hope for any of you who are having an issue to get around that and do seller fulfilled if possible. Carrie Miller: Okay, so the next question is some of my products are not approved to sell via Walmart WFS but they are approved for seller fulfilled. So this is kind of similar to what I was just talking about in regards to the hemp. Is there any special program that I can apply for to get these hazmat products approved for WFS? And it says Amazon has something similar and we are part of the Amazon hazmat program. So the answer was that internally, wfs has recently actually launched an updated prohibited items handling solution across their fulfillment network, which this is actually very new. So, depending on the category, prohibited items are handled in three different teams under the specialty compliance organization hazmat, food safety and non-chemical hazmat. So this is going to hopefully help reduce the time where these products are actually just stuck and unable to be fulfilled with WFS. So definitely inquire about those if you're writing a ticket to kind of be directed to those teams and hopefully we can get some progress on some of those Cause. I know I've seen quite a few questions about this, so I would definitely want to continue to try to get you all more answers about this. So that's the amount of information I have right now. So keep messaging me on Facebook or sending those questions in on the Facebook group winning with Walmart, so that we can help you get those questions answered. Carrie Miller: The next one is my account was denied. What can I do to get approved after I was initially denied? So sometimes well, actually most of the time they don't provide a reason, but there's soft denials and then you can do an appeals process and then there's like termination, which is much harder. So you'll have to kind of usually I think sellcord.co. They are an agency. They have helped a lot of people who have been kind of denied. You can reach out to them. That's kind of the best answer I have. Or you can kind of reach out yourself, but I would kind of suggest contacting somebody who's really good at this, and I do believe SellCord does do a good job of helping people get their accounts. You know out of that status. So if you have had that issue, I would say contact sellcord.co. And that also includes you know if your account is suspended or termination is very hard. So you will definitely need you know, inside access. So I would definitely recommend contacting SellCord for that as well. Carrie Miller: What is Walmart doing to attract more customers to their online marketplace? And so this is a great question and I can definitely answer that they are doing quite a bit. So they have Walmart Plus, which is kind of like Prime, and if you go into the stores they have it advertised everywhere. They're giving discounts on gas, they're giving discounts on just all a bunch of different things within the Walmart programs, like just in store discounts and also delivery and groceries. You get those for free. So they're really pushing for, you know, just getting more customers into Walmart Plus. Now I also saw when I was looking at applying for an American Express Platinum card, that they have a free opportunity for free Walmart Plus If you have that card. So if any of you have that American Express Platinum card, you get free Walmart Plus. So something else to it's basically like a free Prime membership. So I definitely recommend taking advantage of it. But they're doing things like that to really increase the customer reach. Also, if you notice and I've talked about this in other presentations I've done they are doing a lot of external traffic through Google Shopping and they're also doing Bing Shopping. So you'll see your Walmart products show up in Google Shopping and Bing Shopping without even doing any ads. So they are really doing a lot of work to try to drive traffic that way. So hopefully that answers that question. So this might be college. Carrie Miller: This is another question from somebody. This might be common knowledge. But what are the best performing aspect ratios for images on Walmart? Should mean image and secondary images be the same aspect ratios? Is the answer category dependent, and there is definitely some. There are some differences on the different categories. So I would recommend that you go into the Walmart guides and you can look for image guidelines and you're going to be able to find exactly what the image guidelines are for your category. So go ahead and check those out. Carrie Miller: The next question I would like to know why the payment schedule for reporting is every two weeks and then why it sometimes I have to wait a third or fourth week. Now I've seen this question quite a bit in the groups and I don't know exactly what's happening, but it's just a common thread, like I've seen it quite a bit. So if you, if you've had this, you can put it in the in the chat or the comments, because I'd love to know. But basically, the payment should be every two weeks, but something if you're not getting it every two weeks, it should. It's probably an error and I think you should open up a support ticket to see what's going on with that, because that shouldn't be happening. So make sure you kind of figure out what the problem is so that it doesn't continue on. So that's what I would recommend. I don't think that that's part of the process. So it is supposed to be every two weeks. I have confirmed that. So take a look at that. And, yeah, just go into the support and ask what's going on with your particular account. And personally, I did see this actually happen, so it did get fixed. Additionally, when see when removing, when doing removal orders, when it shows on the payment summary, can we get a detail of what the removal order consisted of? So if you want to understand what the removal order maybe consisted of, you can go to the WFS dashboard and that will give you a breakdown and it's going to highlight what was in the removal order. Carrie Miller: Okay, so next one is it possible to allow for multiple SKUs to the same UPC code? Amazon allows this, albeit in one UPC code to one ASIN. So no, this is definitely no. Walmart uses UPCs as their unique identifiers for products. So you cannot have multiple SKUs associated with the same UPC, otherwise you're going to get a lot of errors. So this is really important to make sure you have you own your UPCs and then also that you have an individual UPC for each product. I know back in the day in Amazon you were buying second. You know basically barcodes from other you know third parties because they were more expensive but you can buy individual barcodes from GS1. And I highly recommend doing that to show that you own the UPC codes. Because if you do have somebody hijacking your listing or taking over the content, you can prove with owning UPC code as well as your trademark, that you own that product and the listing so you can get it back. I had a problem with this because one of our products for our Project X did not have a UPC code that was GS1 registered. It was kind of a bot as a third party thing a long time ago and I was unable to get that content back. So it was really kind of frustrating. So I know this from firsthand experience my own business. Carrie Miller: I've always had UPCs for each product because you want to kind of think when you're starting out with these products with the end in mind and growing your brand and business. Each product should have a UPC. We've always been wanting to know if Walmart has a honeymoon period similar to Amazon. Now I haven't had an answer to this. I do not think that it's as intense as it is on Amazon. So what I would recommend is to do your best to optimize start ads. Do whatever you do for Amazon on Walmart and I think that you will be successful. Carrie Miller: The thing about all of this is I noticed people. What they do is they'll open up and start a listing on Walmart and literally just copy and paste what they have on Amazon and they're not doing Walmart PPC or anything like that to help promote their product and they're like why am I not making any sales? Well, you would never launch on Amazon without doing PPC or optimizing for Amazon. Walmart has different guidelines to optimize their listings. So you know, make sure to follow those guidelines and I think that you'll be pleasantly surprised. The next one is what advice do you have to third party sellers to help them compete against first party brands on Walmart? So the answer to this is Walmart really isn't viewing the two as competitive against each other, but they recommend that you find kind of holes where first party sellers are not really, you know, filling in the gap and finding opportunities on Walmart where you can provide products that are not available via 1P. Carrie Miller: When I've gotten a comp error, it feels impossible to get help for this. What is the best way to solve issues dealing with comp errors and how can we find out what the error is so that we can fix it? So then the comp errors are very difficult, I will say, and sometimes what they're saying is that you can actually go into the item report and check the columns. When you upload via flat file or anything like that, you can check the columns, the life cycle status, and then it's going to say published, unpublished or system error, and then on the adjacent column for the, it's going to have an error code and it's going to say things like enhanced vetting, IP infringement, shipping or etc. And you can open up a ticket to get help with this. But in my experience I've noticed that it's usually a pesticide word like antibacterial, antimicrobial. So if you make sure that you don't use any of those illegal words that are, you know, banned on Amazon, then you should be fine, and usually if you kind of delete your listing and rewrite it again. Without those words it'll come up within 15 minutes. So that's been my experience with that. Carrie Miller: So another question here is when some someone first starts selling on Walmart, what can they do to get their products ranked? Is it all based on clicks and sales or is there a lot more weight given to the listing quality score? So they did. You know Walmart doesn't really give me a lot of information about ranking, but I do know, for example, if you get a high listing quality score, that does help with your ranking. So make sure you fill in all those attributes in the back end. You know you enroll in WFS, you have reviews to start out with, get your listing quality score 90% or above, and I think that that will definitely help you. You also want to start running pay-per-click advertising to get some sales and I think you'll start to see yourself ranking as that goes. But in terms of like you know state, you know something that they actually say. It's really quite challenging to really say. Carrie Miller: And then the pro seller was another question. How can a seller become a pro seller and get the pro seller tag on their listing? So you want to make sure that your products are delivered on time. So I recommend using WFS because it takes care of most of the categories that are required for a pro seller. The thing about pro seller badges is you can actually filter on Walmart for pro seller so customers can say I want to only buy from a pro seller. And I noticed when I got the pro seller badge that I was starting to get more and more sales. Carrie Miller: So I will say it isn't an important thing. So you've got. You know, at least you've got an on time delivery rate of 95% or above in the last 90 days. You have less than 1.5% cancellation in the last 90 days. You have a really good seller response rate, higher than 95% in the last 30 days. And then basically it's, you know, fast delivery. And you also have to have over 250 orders in the last 90 days and you have to have at least been active for 90 days. So when you launch your products, you know, do your best to get those 250 orders and get those fast delivery times in and you can get the pro seller badge within 90 days. I think it's really, you know, worth it. Carrie Miller: So I would say WFS is probably the most important thing to make sure that you get that and yeah, so, and then the next thing is what? Will rich media eventually be free to Walmart sellers, like it is on Amazon? So there are some modules that are free, and that is the video and also the 360 image views. You can go into the help center and click on rich media. You can find it there. So otherwise, if you wanted to pay for some in the meantime, you can contact an agency and they can help you with that. Carrie Miller: So let's see if I have any questions. All right, Nelson, hello. Nelson says I'm a new to Walmart, in the process of onboarding and we already established our stores at Amazon. Is the procedures from Amazon to Walmart going to be similar when it comes to brand name products? If we are able to get wholesalers offline in our city to sell as branded products so we can sell online, are we still allowed to sell them? Yes, you are allowed to sell wholesale products on Walmart and I actually met at the Walmart conference quite a few sellers who have done very well selling wholesale products on Walmart. I think it's a lot less competitive right now in Walmart. So I highly recommend you get in there and start going for those, those products and, you know, make sure that you get in the game now? Great question. All right, let's see. Carrie Miller: It looks like I think someone was asking about tools for Walmart. Helium 10 has some incredible tools and I would recommend that you check those out. We have cerebral, which is our keyword research tool for Walmart. Another tool for Walmart called magnet it's another keyword research tool. We have x ray, which shows you sales volumes for Walmart it's our Chrome extension. We also have profits for one, one to help you, Walmart, to help you manage your profits. And we have our ranked tracker. And for pay per click advertising, we have add atomic for Walmart to help you manage your pay per click advertising. So we have all those great tools to help you and support you on your way to selling on Walmart. Carrie Miller: Also, if you're a helium 10 member, we have freedom to get Walmart where we should. We walk you through a to z on how to sell on Walmart, so that's available to you free if you are a helium 10 member. So check it out. If you haven't yet checked it out, alright, so it looks like I don't have any more questions, so hopefully, if that was very helpful, thank you to everyone who submitted their questions. Carrie Miller: For me to answer it was really, you know took a little while to get the answers to some of those questions and maybe some of them. I still need to do a little more research and hopefully maybe digging to get some more details on some of those answers, but hopefully that helps you in the meantime, and if you have any questions, join our group. Helium 10 Winning with Walmart. All you have to really do is search in the Facebook groups Helium 10 Winning with Walmart and you can join our Facebook group and ask questions there. You can tag me, you have questions, or other sellers are in there answering questions as well, so love to see you there and we will see you then. Have a great rest of the day.

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News & Enhanced OffersNew month, new offers. Follow the Award Travel 101 Facebook community where we discuss these topics and more:BiltSouthwest PromotionHilton HonorsLifeMilesMarriott BonvoyBask BankTrip UpdatesAngie - Update to previous podcast commentJoe - Short-notice tripCar rentalGrand CypressThe returnWhat Bonuses Did We Get?Angie - still working on a the minimum spending requirement to Earn 100K Ultimate RewardsJoe - applied for the Ink Preferred. Received 7-10 day notice.Highlight Feature: Premium Credit Card Travel Protections & Which is Best?Our "posts of the week" and "highlight feature" are care of two members of the Award Travel 101 Facebook Community. Shane Fortune shares his documenting process. Ivan Dell'Era highlights some card benefit differences.For more details, check out the "Master List" of Credit Card Benefits.Amex PlatinumMany members think using the American Express Platinum card is best, since it earns 5x points on airfare. But not so fast! What do the Terms & Conditions state?Key terms:Definition of who's covered, for how much, and things to knowCapital One Venture XWhen the Venture X card launched a lot of folks looked at it as a replacement for their Chase Sapphire Reserve (CSR). It had free authorized user cards (AU), a lower annual fee, good transfer partners and what appeared to be excellent travel protections. But are they? What do the Terms & Conditions state?Key terms:Definition of who's covered, for how much, and things to knowChase Sapphire ReserveThe Sapphire Reserve is the card that revolutionized the field with it's incredible welcome offer, best lounge access, and strong travel protections. Is it still the best in the field? What do the Terms & Conditions state?Key terms:Definition of who's covered, for how much, and things to knowWhich Card/s Do Angie & Joe UseAngie: CSR for travel protectionWhere To Find the Award Travel 101 Community For questions, you can join us in the free 100,000+ member Award Travel 101 Community. For more intermediate and advanced strategies, join Award Travel 201 community To book time with our team, check out Award Travel 1-on-1. You can also email us at contactawardtravel@gmail.com. Our next meetup is located in San Antonio, TX on April 26–28, 2024, and it's SOLD-OUT. You can get on our wait-list, but to learn more visit Taco 'Bout A Fiesta! Support the AT101 Podcast/Community

Behind The Veil: Emily Post's Wedding Etiquette With weddings, there are so many do's and don'ts - This week we are going to get the real answers to those burning etiquette questions from the true authority of all things etiquette!Lizzie Post, is the great-great-granddaughter of Emily Post and co-author of Emily Post's Etiquette 19theditionas well as Higher Etiquette, A guide to the World of Cannabis, and Emily Post's Wedding Etiquette 6thedition.She and her cousin Daniel Post Senning are co-presidents of the Emily Post Institute as well as co-hosts of the weekly podcast, Awesome Etiquette, where they answer listener questions, and explore the topic of etiquette  through the lens of consideration, respect and honesty.  Lizzie is the Institute's main writer, she also does speaking engagements across the country sharing consideration based advice on cannabis, wedding, business and general etiquette topics.  She has worked as a spokesperson for companies including Marshalls, Bank of America, American Express Platinum, Air BnB, and Genentech. She has held columns with Women's Running, Broccoli, Farmhouse and Good Housekeeping magazines as well as Houzz.com. Lizzie offers a fresh, relatable, perspective with an engaging voice. She delights in tackling what many think are taboo topics in etiquette, making her a popular source.  Her interviews include NPR's 1Aand Here and Now, NBC's The Today Show, Good Morning America, Katie, Fox & Friends, Live with Kelly and Michael, The Gayle King Show, The Wendy Williams Show, Slate, Vanity Fair, Time Magazine, The New York Times, New York Magazine, The Wall Street Journal, The Chicago Tribune, Harper's Bazaar, Travel & Leisure, Glamour, Cosmopolitan, The Huffington Post and more.To chime in live - make a comment during the show.  If you are watching via You Tube, we can pull your comment right up on screen...  and you may be invited to appear on the show!!  Ask Alexa - "Play the latest podcast episode of Behind The Veil"Support the showBehind The Veil Crew:Host: Keith Willard www.keithwillardevents.com www.instagram.com/keithwillard Co- Host: Marci Guttenberg www.anaffairtorememberbymarci.com www.instagram.com/anaffairtorememberbymarci

On today's Ad Nerds podcast, host Spanky Moskowitz covers a variety of topics related to advertising and marketing. Vattenfall, a Swedish energy company, has collaborated with organic cosmetics brand co GERD to create an industrial-strength face mist made from fossil-free hydrogen emissions. Lisa Loeb makes a comeback for Old Bay seasoned Goldfish in a new ad campaign featuring a remake of her famous song with lyrics made from social media posts from fans. Audio marketing is shown to be highly effective, with 45% of listeners making purchases, and New Balance seeing a 342% return on ad spend from full funnel audio. American Express Platinum has launched a new campaign highlighting its benefits and urging customers to make the most of their lives. Finally, Ryan Reynolds stars in a new ad for Mint Mobile, featuring the skeptical Ronald Gladden who is won over by the consistently low prices offered by the brand. Key moments: Vattenfall and co GERD collaborate to create industrial-strength face mist from fossil-free hydrogen emissions (1:37) Old Bay seasoned Goldfish makes a comeback with a new ad campaign featuring Lisa Loeb (4:25) Audio marketing shown to be highly effective, with New Balance seeing a 342% return on ad spend from full funnel audio (9:33) American Express Platinum launches a new campaign highlighting its benefits (12:38) Ryan Reynolds stars in a new ad for Mint Mobile featuring Ronald Gladden (14:59) Links: https://adage.com/creativity/work/why-cara-delevingne-promoting-face-mist-made-industrial-wastewater/2493296https://adage.com/article/marketing-news-strategy/see-lisa-loeb-old-bay-goldfish-video/2493271https://adage.com/article/opinion/why-cmos-looking-performance-media-are-turning-audio/2395011https://www.nielsen.com/us/en/insights/report/2022/nielsen-audience-insights-media-landscape-report-dec-2022/https://www.iheartmedia.com/thought-leadership/understanding-value-audiohttps://www.moreaboutadvertising.com/2023/05/dentsu-creative-goes-all-out-for-american-express-platinum/https://www.youtube.com/watch?v=LQakmDqQtpM --- Send in a voice message: https://podcasters.spotify.com/pod/show/adnerds/message

Styling Kim K and J Balvin for the Met Gala, releasing an EP, DJing and modeling around the world, designing bags, and running a jewelry brand, Sita is a true multi-artist. From a town in south Spain to designing for MISBHV, HTC, Patou, Faith Connexion, and Fendi - among many other projects. But Sita's goal has always been something very different. Please subscribe if you enjoyed this episode - it helps the channel get more great guests! Sita: http://instagram.com/sitabellan Sequel: http://instagram.com/sequelshow Gustaf: http://instagram.com/gltore Topics (00:00) Intro (01:35) A creative kid standing out in a small town (04:50) Being different and finding inspiration at a young age (08:16) A virtual escape (09:20) Being honest, but misunderstood (12:39) Studying and being creative on Tumblr (13:40) Rihanna's music video (16:29) Traveling the world as a DJ (17:39) Specialist vs generalist and the multi-hyphenate view on work vs fun (21:48) American Express Platinum (22:57) The male-dominated DJ scene (23:57) Arranging inclusive gatherings (25:07) Styling J Balvin and Kim Kardashian (28:48) Designing for Fendi, Misbhv etc. (29:23) Splitting your time and crazy traveling (34:10) Producing music (35:12) Becoming a mother (36:48) Happiness, depression and negative thoughts (42:59) Your younger self (43:46) Releasing an EP (44:54) Sita's big goal About the American Express Platinum Card: http://bit.ly/3FsJVh1 Nom.ränta 17,99%. Eff.ränta 28,30% vid utnyttjad kredit om 140 000 kr / 12 mån. Tot: 172 870 kr. Medlemsavgift 650 kr/mån. (April 2023) Learn more about your ad choices. Visit megaphone.fm/adchoices

Shawn Mendez, Migos, J.Lo have all had their digital identities, fashion, and avatars created by a single company with a $1 billion unicorn status. Genies is the leader in the space and has exclusive partnerships with some of the top fashion brands and talent agencies, and has raised over $250 million from Mary Meeker's Bond Capital, Bob Iger and Silver Lake. Co-founder and CEO Akash Nigam tells the full story and opens up about his depression. Video version on Spotify and Youtube. Please subscribe if you enjoyed this episode - it helps the channel get more great guests! Genies: https://www.instagram.com/genies  Sequel: http://instagram.com/sequelshow  Gustaf: http://instagram.com/gltore  Akash: http://instagram.com/akashnigam www.genies.com Topics (00:00) Intro (01:35) Growing up in Silicon Valley (08:20) Products and failing (17:01) Dropping out of college with one semester left (19:47) Talking publicly about your mental health (28:35) Best decision in Akash's life (31:06) Idea behind building the world's biggest avatar company (36:09) Experiences at American Express Platinum (37:06) First adopters and digital fashion creations (40:58) How it works in the back-end of Genies (43:48) Customer applications now and in 2025 (48:34) NOT an NFT company (52:19) Akash's lifestyle and management style (59:10) Would 10 year old Akash be happy with today? (01:01:03) Future of Genies and digital fashion? About the American Express Platinum Card: http://bit.ly/3FsJVh1  Nom.ränta 17,99%. Eff.ränta 28,30% vid utnyttjad kredit om 140 000 kr / 12 mån. Tot: 172 870 kr. Medlemsavgift 650 kr/mån. (April 2023) Learn more about your ad choices. Visit megaphone.fm/adchoices

Heliot Emil is a rising star in the luxury fashion scene, characterized by "industrial elegance". Founded in 2016 by brothers Julius and Victor Juul, it has quickly become an established name in the official fashion week schedules and praised by powerful voices in culture. The brothers started from humble beginnings and a few thousand dollars without outside financing and is soon opening stores in Copenhagen, Paris and Korea. Filmed in Paris. Please subscribe if you enjoyed this episode - it helps the channel get more great guests! Sequel: http://instagram.com/sequelshow Gustaf: http://instagram.com/gltore Julius: https://www.instagram.com/juliusjuul About the American Express Platinum Card: http://bit.ly/3FsJVh1 Villkor gäller. Nom.ränta 17,99%. Eff.ränta 28,30% vid utnyttjad kredit om 140 000 kr / 12 mån. Tot: 172 870 kr. Medlemsavgift 650 kr/mån. (April 2023) (00:00) Intro (01:39) Julius coming fresh out of a fashion show in Paris (03:40) From skating to film (08:43) Film-making (11:53) From film to media (13:20) Creative agency in New York (16:05) Designing invitations (17:40) Louis Vuitton's wall clock invitation (20:57) Working with fashion clients in New York (23:57) Personality-profession-fit (25:50) First steps when starting a luxury fashion brand (29:20) Heliot Emil's first collection in Milan and show at Copenhagen Fashion Week (32:15) Digital shows and LVMH reaching out (35:28) How the industrial design style came about (38:21) How does one constantly generate new creative ideas? (47:22) Dining experiences with American Express Platinum (48:22) The business rationale behind a fashion runway show (50:42) Personality-profession-fit part 2 (52:35) Where did the money come from? (54:18) How did you live while going without salary for 3 years? (56:58) What is it about Heliot Emil that makes people, who can get anything, love it? (01:00:28) Julius' own life-design (01:03:22) The stress level of planning a fashion show (01:07:28) The size and organization of Heliot Emil (01:08:50) The Paris Fashion Week schedule and store openings (01:12:21) Moving to Paris? (01:16:05) #1 restaurant in Copenhagen? Learn more about your ad choices. Visit megaphone.fm/adchoices

Matilda Djerf is a Swedish creator-turned-designer, who in three years has built a clothing brand with revenue of $35 million, 4x-ing every year, with a high profit margin and almost no external financing.  In this episode, we break down the dynamics behind Djerf Avenue, Matilda's start on social media, and how she transitioned from creator to entrepreneur. We also cover what it is like to work with your life partner, the dark times Matilda has gone through in her life, and what her life is like today. Please subscribe if you enjoyed this episode - it helps the channel get more great guests!  Instagrams Sequel stories: https://bit.ly/42eR4eu Gustaf: http://instagram.com/gltore Matilda: https://www.instagram.com/matildadjerf About the American Express Platinum Card: http://bit.ly/3FsJVh1 Villkor gäller. Nom.ränta 17,99%. Eff.ränta 28,30% vid utnyttjad kredit om 140 000 kr / 12 mån. Tot: 172 870 kr. Medlemsavgift 650 kr/mån. (April 2023) Topics: 00:00 Intro 01:51 Fan art and Matilda's origins 04:29 Getting started and taking a leap 07:18 Growing up in Sweden and moving to the US 09:48 What Matilda's challenges in the early days have meant 11:56 Matilda's make-it-or-break-it moment  14:29 Strategy behind the growth? 15:22 Mistakes when getting started as creator 16:56 Why the interest from US and Australia? 18:13 Personal life and mental health 20:25 Where is the social media game heading? 24:25 The industry issues that led to Djerf Avenue 25:58 Step 1 and the dynamics behind the business 31:03 Dining experiences in the American Express Platinum membership 31:58 Production, back-end and supply chain 34:20 Djerf Avenue's income numbers - 4X-ing every year and self-owned 36:37 Building the Djerf Avenue team and the personality trait they're looking for 40:09 What Matilda has learned from Djerf Avenue 42:45 Djerf Avenue's differentiation and is there a secret sauce? 46:10 Matilda's advice for starting a business with your partner 48:32 Why TikTok is crazy about Matilda's hair 49:39 Matilda's and Gustaf's advice to themselves 54:35 Matilda's wedding dream performance, and learning languages through music 56:05 The best compliment Matilda ever received 56:43 Thinking forward: a move to the US? Learn more about your ad choices. Visit megaphone.fm/adchoices

This week I will be looking at the latest news including Air France and KLM's decision to charge for business class seat selection and the latest on the strikes. The main part of the program is about flying from Heathrow Terminal 3 with oneworld and which is the best lounge to visit. Many people don't realise that if you have oneworld status that entitles you to lounge access (sapphire and emerald status) you can visit any oneworld lounge at T3, not just the airline you are flying with. This also applies if you are flying on a oneworld airline in business and first class. I'll be talking about the British Airways Galleries lounge, Qantas business and First lounge. American Airlines business and first lounges and Cathay Pacific business and first lounges. Plus I take a quick look at the American Express Centurion lounge which is free to enter with an American Express Platinum or Centurion card. You can find more details and photos about oneworld lounges at Heathrow T3 in this article: https://www.turningleftforless.com/which-is-the-best-oneworld-lounge-at-london-heathrow-terminal-3-what-lounges-can-i-use-worldwide/ You can find the opening hours and locations of oneworld lounges here: https://www.oneworld.com/airport-lounges You can find the opening hours and locations of American Express Centurion lounges here https://thecenturionlounge.com/ Visit www.turningleftforless.com for more tips on how to travel in luxury for less.  

In this episode, we look at two often overlooked benefits provided by AmEx. Did you know almost all of your purchases are protected for 90 days from damage, loss, or theft? Also, if you are paying your monthly cell phone bill with an AmEx premium card, your cell phones are covered if they are lost, stolen, or damaged.  1:00: AmEx Purchase Protection 8:00: AmEx Cell Phone Protection 19:00: Using multiple $10 per month AmEx Business Platinum credits and getting cell phone protection 21:30: Best available American Express Platinum offer! 150,000 points after spending $6K over 6 months.  Referral Link: https://americanexpress.com/en-us/referral/DERRIKqF6N?XLINK=MYCP

CLICK BELOW to get a 80,000 point sign up bonus for the Amex Platinum! https://snipfeed.co/newmoneynate   Calculator for rewards and source for a number of b roll in this vid (available on all credit card genius reviews) https://creditcardgenius.ca/credit-ca...   Air Canada Aeroplan Calculator: https://www.aircanada.com/ca/en/aco/h...    Today I wanted to share the top 6 best credit cards in all of Canada with y'all for 2023. Of course there are other infinite privilege cards and Amex cards that could be on this list but I figured I'd try to give some variety. These top 6 best cards in Canada will provide you with a solid starting point to figuring out which top tier credit card you want for this upcoming year and if it is time for a switch. I really, really, REALLY hope you guys enjoy this Canadian credit card summary and you get a lot of value out of it. I believe there is a gap in education for credit cards in Canada, so I hope this helps you in some way shape or form! If you enjoy this video, be sure to check out the Amex Cobalt review, Amex platinum review and subscribe for future credit card reviews reviews and credit card content! For more information, check out the links below on the cards that we covered today!   ** BMO CashBack World Elite Mastercard ** https://www.bmo.com/main/personal/cre...   ** American Express Aeroplan Reserve ** https://www.americanexpress.com/ca/en...   ** American Express Platinum ** https://www.americanexpress.com/ca/en...   ** TD Aeroplan Visa Infinite Privilege ** https://www.td.com/ca/en/personal-ban...   ** BMO Student Cash Back ** https://www.bmo.com/main/personal/cre...   ** American Express Cobalt ** https://www.americanexpress.com/ca/en...   Reach out to me at info@newmoneynate.com The content and information contained on this website/social media page and any resources/material available for download through this website/page is not intended as, and shall not be understood or construed as, financial, investment, tax, legal or professional advice whatsoever. I am not a financial advisor, attorney, accountant, nor am I claiming to be, and the content and information contained on this website/page is not a substitute for financial, investment, tax or legal advice from a professional who is aware of all the facts and circumstances of your specific individual situation. Nothing on this website/page constitutes a comprehensive or complete statement of the matters that may be discussed or the law(s) relating thereto. Nathan Kennedy / New Money Nate Inc is not liable for any direct, indirect, incidental, consequential, special or punitive damages, under any theory of liability, including without limitation, damages for loss of profits, use, data, or loss of other intangibles. Nathan Kennedy / New Money Nate Inc will not be liable for damages of any kind resulting from your use of the website/page and content or material contained therein. Check out this page for the best cash back credit card in Canada 2022, best amex credit card Canada, best cash back credit card Canada, best cash back credit card Canada, best cash back credit card in Canada, Amex platinum reviews, Amex Cobalt reviews, TD Aeroplan Visa Infinite Privilege reviews, BMO world elite Mastercard review, BMO student cash back review, Amex Aeroplan reserve review, credit card canada, fall 2022 credit card canada, credit card for beginners canada, best credit card canada 2022, american express credit card canada, credit cards canada,rogers world elite mastercard, tangerine mastercard, top 5 credit cards canada, best cash back credit cards in canada, american express canada, best credit cards in canada 2021

CLICK BELOW to get a 80,000 point sign up bonus for the Amex Platinum! https://snipfeed.co/newmoneynate   Calculator for Amex Points and source for a number of b roll in this vid: https://creditcardgenius.ca/credit-ca...   Air Canada Aeroplan Calculator: https://www.aircanada.com/ca/en/aco/h...    The Amex Platinum is one of the best perks cards in all of Canada. In yet another American Express review, we fully break down Canada's American Express Platinum, all the perks of Canada's best perks card and help you answer the question: should you get the Canada's American Express Platinum or not?! If you enjoy this video, be sure to check out the Amex Cobalt review and subscribe for future reviews and credit card content! Reach out to me at info@newmoneynate.com   The content and information contained on this website/social media page and any resources/material available for download through this website/page is not intended as, and shall not be understood or construed as, financial, investment, tax, legal or professional advice whatsoever. I am not a financial advisor, attorney, accountant, nor am I claiming to be, and the content and information contained on this website/page is not a substitute for financial, investment, tax or legal advice from a professional who is aware of all the facts and circumstances of your specific individual situation. Nothing on this website/page constitutes a comprehensive or complete statement of the matters that may be discussed or the law(s) relating thereto. Nathan Kennedy / New Money Nate Inc is not liable for any direct, indirect, incidental, consequential, special or punitive damages, under any theory of liability, including without limitation, damages for loss of profits, use, data, or loss of other intangibles. Nathan Kennedy / New Money Nate Inc will not be liable for damages of any kind resulting from your use of the website/page and content or material contained therein. Check out this page for future content on the best credit cards in Canada, credit card reviews, Canada express cobalt vs American Express platinum Canada, the american express business platinum canada review, american express platinum card Canada, the business platinum card® from american express Canada, Canada american express platinum, american express business platinum benefits canada, amex cobalt credit card amex cobalt card review, amex cobalt points, new canadian amex card, american express canada cobalt, canadian credit card review, new amex canada cobalt credit card

For the past one hundred years, Emily Post has been America's definitive source for how to navigate—and enhance—every social interaction. In an increasingly diverse and intersectional world, the need for a trusted primer on how to put people at ease and treat others with confidence and kindness has never been greater. From advice on entertaining, table manners, and using titles and pronouns, to personal and professional communication etiquette, this stylish and essential reference provides thoughtful guidance on how to do it all well. Rooted in a foundation of consideration, respect, and honesty, this edition continues the Post family legacy of upholding traditions while moving forward with the times. In fact, Emily's original 1922 work hasn't been this present in an edition for more than six decades, with references to her era and the history of American etiquette history along with modern day customs. Post's Etiquette, The Centennial Edition also includes handy reference guides for each chapter that make it easy to find the Posts' most searched for content, like a gender-free attire guide, sample invitations, a soup-to-nuts entertaining chart, and more. Lizzie is the great-great-granddaughter of Emily Post, and author of “Higher Etiquette,” and co-author of “Emily Post's Etiquette” Centennial Edition, “Emily Post's Etiquette” 19th edition as well as “Emily Post's Wedding Etiquette” 6th edition and “The Etiquette Advantage in Business” 3rd edition. She is a co-president of the Emily Post Institute as well as a co-host of the Awesome Etiquette podcast (now in its fifth year), a weekly Q&A show that explores the topic of etiquette through the lens of consideration, respect, and honesty. Lizzie does speaking engagements across the country sharing advice about lifestyle and wedding etiquette. She has worked as a spokesperson for brands including Bank of America, American Express Platinum, AirBnB, and Marshalls. She has held columns with Good Housekeeping, Women's Running, and Houzz.com, The Farmhouse Movement, and Broccoli Magazine. Lizzie offers a fresh, relatable, perspective with an engaging voice. She delights in encouraging the individual stand up for personal boundaries while respecting others. Lizzie enjoys tackling etiquette's taboo topics with the media, making her a popular source. Her interviews include NFL Films, NBC's The Today Show, Katie, Fox & Friends, Live with Kelly and Michael, The Gayle King Show, The Wendy Williams Show, Slate, Refinery29, Vanity Fair, Time Magazine, The New York Times, The Wall Street Journal, The Washington Post, The Chicago Tribune, Harper's Bazaar, Travel & Leisure, Glamour, Cosmopolitan, The Huffington Post and more. Lizzie Post holds a Bachelor of Science degree in Art Education from The University of Vermont and currently lives in her native Vermont. JONES.SHOW is a weekly podcast featuring host Randall Kenneth Jones (author, speaker & creative communications consultant) and Susan C. Bennett (the original voice of Siri). JONES.SHOW is produced and edited by Kevin Randall Jones. EMILY POST Online: Facebook: https://www.facebook.com/emilypostinstitute Twitter: https://twitter.com/EmilyPostInst Instagram: https://www.instagram.com/emilypostinstitute/ LinkedIn: https://www.linkedin.com/company/the-emily-post-institute/ Web: https://emilypost.com/ JONES.SHOW Online: Join us in the Jones.Show Lounge on Facebook. Twitter (Randy): https://twitter.com/randallkjones Instagram (Randy): https://www.instagram.com/randallkennethjones/ Facebook (Randy): https://www.facebook.com/mindzoo/ Web: RandallKennethJones.com Follow Randy on Clubhouse Twitter (Susan): https://twitter.com/SiriouslySusan Instagram (Susan): https://www.instagram.com/siriouslysusan/ Facebook (Susan): https://www.facebook.com/siriouslysusan/ Web: SusanCBennett.com Follow Susan on Clubhouse LinkedIn (Kevin): https://www.linkedin.com/in/kevin-randall-jones/ Web: KevinRandallJones.com www.Jones.Show

Behind The Veil - Holiday EtiquetteThe holidays are fast approaching and there is a plethora of opportunities to step in it, so to speak.  Thanksgiving alone has a million landmines to avoid.  This is followed closely by the December holidays that finally come to end New Year's Eve.  This time presents a lot of opportunities for family to push buttons, that they took years to install, and they will be pushed.  So how do you prepare yourself?  What is considered proper and when is it ok to say, "no thank you"?This week's guests is Lizzie Post, the great granddaughter of the OG of Etiquette, Emily Post.  She is also Co-author of Emily Post's Etiquette 20th edition as well as Higher Etiquette, A guide to the World of Cannabis, and Emily Post's Wedding Etiquette 6th edition. She and her cousin Daniel Post Senning are co-presidents of the Emily Post Institute as well as co-hosts of the weekly podcast, Awesome Etiquette, where they answer listener questions, and explore the topic of etiquette through the lens of consideration, respect, and honesty. Lizzie is the Institute's main writer, she also does speaking engagements across the country sharing consideration based advice on cannabis, wedding, business and general etiquette topics. She has worked as a spokesperson for companies including Marshalls, Bank of America, American Express Platinum, Air BnB, and Genentech. She has held columns with Women's Running, Broccoli, Farmhouse and Good Housekeeping magazines as well as Houzz.com. Lizzie offers a fresh, relatable, perspective with an engaging voice.  She delights in tackling what many think are taboo topics in etiquette, making her a popular source. Her interviews include NPR's 1A and Here and Now, NBC's The Today Show, Good Morning America, Katie, Fox & Friends, Live with Kelly and Michael, The Gayle King Show, The Wendy Williams Show, Slate, Vanity Fair, Time Magazine, The New York Times, New York Magazine, The Wall Street Journal, The Chicago Tribune, Harper's Bazaar, Travel& Leisure, Glamour, Cosmopolitan, The Huffington Post and moreTo chime in during the live show, make a comment on our YouTube Chanel.   We will be able to pull it up on screen.  The Behind The Veil Podcast Version is available after 5:00pm EST on most major podcast players including iTunes, iHeart Radio, Spotify, Amazon Music, and Google Podcasts.For a hands-free experience, ask Alexa to play the latest podcast episode of Behind The Veil with Keith Willard. The BEHIND THE VEIL Show is the winner of the 2021 and 2022 Telly Award for best online unscripted series, and the NACE One Award for Innovator of The Year.Interested in sponsoring future episodes of Behind The Veil? Email the host at info@keithwillardevents.comSupport the showBehind The Veil Crew:Host: Keith Willard www.keithwillardevents.com www.instagram.com/keithwillard Co- Host: Marci Guttenberg www.anaffairtorememberbymarci.com www.instagram.com/anaffairtorememberbymarci

Daily Meeting - Personal Finance 31: Business Finances for ProfitPersonal Financial Statement Sheetshttps://s3.us-central-1.wasabisys.com/40webinars/personal-financial-statement.xlsx You need to be thinking a goal of $250 millionFinancial RoadmapGo in this order, but do them all at the same timeStep 1: Leverage personal financeLevel 1: Leverage to a positive cash flow and a debt-to-asset ratio of 5% or lessLevel 2: Your personal cash flow needs to be at $10,000/month after expensesLevel 3: Your net-to-income ratio doesn't matterLevel 4: Determine the amount of monthly income you want to make, and then decide how many streams of income you want to achieve this goalStep 2: Leverage personal creditLevel 1: 720 is your target credit score with less than 2 inquiries on your reportLeverage your personal credit to $100,000Forget your credit score; it's leveraging that score that's relevantYou can get inquiries removed from your credit reportLevel 2: Make sure all the data on your credit report has one name, phone number, and addressLevel 3: There is a proper way to apply for credit cardsLevel 4: You need at least 2 big traders; then go after medium and small traders laterEvery credit card is not created equalThere's a difference between American Express Platinum and Discover GoldApply for the big boys firstLevel 5: Explore trade lines; they are very usefulThe older the account, the better it is  Antonio uses his credit like business“I don't spend money where poor people spend money.”Spend money where the rich spend their moneyStep 3: Leverage business financeLevel 1: Income is not profitOpportunity cost — it costs money even when you're not spending moneyEx: A grocery store only keeps 1%-3% of its incomeLevel 2: Revenue is not incomeBringing in revenue is not money you can actually spend to do anything withLevel 3: Lack of working capital will kill you before actual death will Level 4: Working capital is not moneyLevel 5: Working capital is timeHow much time can your business stay aliveIt's the money you need to produce, sell, and market your product to the end user in order to qualify for profitLevel 6: Profit is the money that is left over after all expenses, including salariesLevel 7: Revenue is money that is not income. It is money that other people have their hands on, and you have to get their hands off of itLevel 8: Getting bigger doesn't mean making more moneyYou double your bills and have the illusion of making moneyLevel 9: Profit = freedomCapital in the Twenty First Centuryhttps://www.amazon.com/Capital-Twenty-Century-Thomas-Piketty/dp/067443000X/ref=asc_df_067443000X/?tag=hyprod-20&linkCode=df0&hvadid=312118059795&hvpos=&hvnetw=g&hvrand=16352253369944199032&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9027823&hvtargid=pla-403916996627&psc=1 Step 4: Leverage business creditLevel 1: You need to have real entities in your businessEvery business you have can get $250,000 of business financing for every entity you haveGo to YouTube and type in “How to get $250,000 in business credit”Step 5: Funnel into real estateClosing Thoughts This is the year of fulfilled promisesThe Universe is fulfilling promises that you are owedStay in receiving modeIf you are impatient, calm downExpect good things without evidenceSupport this podcast at — https://redcircle.com/the-secret-to-success/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Behind The Veil: Emily Post's Wedding Etiquette With weddings, there are so many do's and don'ts - This week we are going to get the real answers to those burning etiquette questions from the true authority of all things etiquette!Lizzie Post, is the great-great-granddaughter of Emily Post and co-author of Emily Post's Etiquette 19theditionas well as Higher Etiquette, A guide to the World of Cannabis, and Emily Post's Wedding Etiquette 6thedition.She and her cousin Daniel Post Senning are co-presidents of the Emily Post Institute as well as co-hosts of the weekly podcast, Awesome Etiquette, where they answer listener questions, and explore the topic of etiquette  through the lens of consideration, respect and honesty.  Lizzie is the Institute's main writer, she also does speaking engagements across the country sharing consideration based advice on cannabis, wedding, business and general etiquette topics.  She has worked as a spokesperson for companies including Marshalls, Bank of America, American Express Platinum, Air BnB, and Genentech. She has held columns with Women's Running, Broccoli, Farmhouse and Good Housekeeping magazines as well as Houzz.com. Lizzie offers a fresh, relatable, perspective with an engaging voice. She delights in tackling what many think are taboo topics in etiquette, making her a popular source.  Her interviews include NPR's 1Aand Here and Now, NBC's The Today Show, Good Morning America, Katie, Fox & Friends, Live with Kelly and Michael, The Gayle King Show, The Wendy Williams Show, Slate, Vanity Fair, Time Magazine, The New York Times, New York Magazine, The Wall Street Journal, The Chicago Tribune, Harper's Bazaar, Travel & Leisure, Glamour, Cosmopolitan, The Huffington Post and more.To chime in live - make a comment during the show.  If you are watching via You Tube, we can pull your comment right up on screen...  and you may be invited to appear on the show!!  Join Behind the Veil Show with host Keith Willard, CWP, and co-hosts Marci Guttenberg, CPCE, CWP, and Brooke Logan Stoner for our LIVE SHOW - Tuesday July 12th, 2:00pm, 2022, ESThttps://www.youtube.com/c/BehindTheVeilByKeithWillard/PODCAST SHOW - Available after 5:00 PM EDT in iTunes, iHeart Radio, Spotify, or any major podcast players- Ask Alexa - "Play the latest podcast episode of Behind The Veil"BEHIND THE VEIL Show: Winner of the Telly Awards for best online unscripted series two years in a row - 2021 & 2022Support the show

Mark White from @armyaggie03 is an Army officer, Texas Aggie, and world traveler having visited 87 countries with aspirations to visit them all. In this episode, Mark and I discuss different credit card and travel benefits that military families have access to, and an app that Mark used to fund his trip to Brazil while earning points and getting reimbursed for the spend. For any military families who are able to take advantage of the Military Lending Act, check out some of the premium credit cards such as the Chase Sapphire Reserve, American Express Platinum, and Capital One Venture X. While these cards often have higher annual fees, they are offset by the benefits and travel perks that you receive with each card. Additionally, the Military Lending Act can help waive the annual fees on these cards! Remember, never ever apply for a credit card through Google, always be sure to ask your favorite friends and travel creators if they have a referral link that you can use to help them earn more points and commissions! And if you'd be interested in supporting this show when you apply for your next card, check out the links below. Download Fluz at: https://joinfluz.app.link/GEOBREEZETRAVELPODCAST You can find Mark at: Instagram: https://www.instagram.com/armyaggie03 You can find Julia at: Website: https://www.geobreezetravel.com Instagram: https://www.instagram.com/geobreezetravel Credit card links: https://www.geobreezetravel.com/cards Masterclasses: https://www.geobreezetravel.com/hangouts Patreon to access recordings of masterclasses: https://www.patreon.com/geobreezetravel Award travel coaching call: https://www.geobreezetravel.com/calendly Sign up for the newsletter and get exclusive access to sign up for free coaching calls: https://www.geobreezetravel.com/free-coaching 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.

You're listening to the Hurdy Gurdy Travel Podcast. I'm your host, Justin Vacula, here to help you travel the world at next to no cost through credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! Thanks for joining me for episode 61: American Express Platinum - Keep or Cancel in 2022? I'll discuss whether it makes sense to pay a second year or beyond annual fee for American Express personal Platinum cards in 2022 & come to the conclusion that the answer is probably no for most people. -- Main website including episode transcripts: https://hurdygurdytravelpodcast.com Referral links: https://hurdygurdytravel.com/donate-referral-links/ Ebay store: https://www.ebay.com/str/hurdygurdytravelllc SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490 YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast Twitter: https://twitter.com/HGTravelPodcast Instagram: http://www.instagram.com/justinvacula

Episode Description In this episode of the Miles to Memories podcast we talk about what we would want in a Hyatt premium card, Marriott blowing the doors off with their increased offers and why redeyes are the best...or are they?  We also talk about more rumored coupons for the Amex Platinum coupon book, end of month reminders and 40+ Amex Platinum benefits. Episode Notes 5:43 - Marriott card increased offers 12:35 - Redeyes 26:29 - Hyatt premium card rumor 33:50 - American Express Platinum new benefits 35:49 - Making use of American Express Platinum benefits 37:08 - End of month checklist

Land Business Can Be Your Legacy (LA 1589) Transcript: Steven J Butala: Steve and Jill here. Jill DeWit: Hello. Steven J Butala: Welcome to the Land Academy Show, entertaining land and investment talk. I'm Steven Jack Butala. Jill DeWit: And I'm Jill DeWitt broadcasting from the valley of the sun. Steven J Butala: Today Jill and I talk about how your land business can be your legacy. This is Jill's idea, and I think it's actually pretty brilliant. It's something that she and I talk about all the time personally, but I think it's worth it's episode worthy. Jill DeWit: It is. Well, thank you. I appreciate that. I have to pause and just share. Is this what goes on in your world? Here's what my partner just told me: "You sound like crap." Steven J Butala: And I'm trying to help her though. Jill DeWit: I know. Steven J Butala: I'm trying to find some DayQuil. [crosstalk 00:00:39] Jill DeWit: "Do you know you sound like crap?". Yeah, I do know I sound like crap. Cause I feel like crap, but that's okay. Steven J Butala: Jill's not feeling well. Jill DeWit: I'm Professional. Steven J Butala: She's showing up for it though. Jill DeWit: I am. Steven J Butala: I'll carry you if I need to. Jill DeWit: Thanks. Steven J Butala: Before we get into it, let's take a question posted by one of our members on the landinvestors.com online community. It's free, and don't forget to subscribe on the Land Academy, YouTube channel and comment on the shows you like. Jill DeWit: Victor wrote "not sure this would fall under general or resource sharing, but does anyone, anybody recommend a credit card? That'd be great for our business type. It seems like the most expensive operating costs would be mail and online subscriptions. I have checked most business credit cards and none offer more than 1% of cash back for shipping or online services. This is something I never go there." Steven J Butala: This is a very, very long discord. Jill DeWit: I don't have any advice. Steven J Butala: Very long discord. There are a lot of comments. I refrain from commenting but somebody. Jill DeWit: Until now. Steven J Butala: Well yeah, that's exactly right. Somebody did quote Dave Ramsey and I agree with this and pretty much everything he says, nobody ever got rich on credit card rewards. I can tell you from personal experience, Jill and I have an American Express Platinum business card, and it gives you a tremendous number of points back and for a lot of years, not a lot of years, for a couple of years, until we wised up, we would travel all around and use the points and stay in hotels for free and on and on and on until we realized... until we talked to a main vendor. We have a bunch of other companies that are non land related, where we have to buy cost to consult. Steven J Butala: And we were using the American express card to the tune of maybe a $100,000 - $150,000 a month. And we added all the numbers up and so I went to two vendors specifically and said, "Hey, if we stop using this American express card and we actually start wiring you money for all, for this material- Jill DeWit: how much will it save?" Steven J Butala: He said, "Oh yeah, well, we can knock off, you know, Jill DeWit: X percent. Steven J Butala: 2% in one case in 3% in the other." and we fell out of our chairs, that's $3,000 to $5,000 a month per vendor. So if we add that up, it's real money. So, and then everybody went in Discord and talked about this. So here's my advice: forget about all that stuff. Just get a debit card. Or if you actually need a credit card, forget about the cash back and the points and all that. It's just a distraction. Jill DeWit: Right. Steven J Butala: And in the end, you're, you're getting charged for it somewhere. It's not free. Jill DeWit: Good point. Steven J Butala: Sarah. You're not feeling well. Jill DeWit: No, it's okay. No, you have, I'm going to let you run with that. Cause like I don't want to. Steven J Butala: I mean,

Land Business Can Be Your Legacy (LA 1589) Transcript: Steven J Butala: Steve and Jill here. Jill DeWit: Hello. Steven J Butala: Welcome to the Land Academy Show, entertaining land and investment talk. I'm Steven Jack Butala. Jill DeWit: And I'm Jill DeWitt broadcasting from the valley of the sun. Steven J Butala: Today Jill and I talk about how your land business can be your legacy. This is Jill's idea, and I think it's actually pretty brilliant. It's something that she and I talk about all the time personally, but I think it's worth it's episode worthy. Jill DeWit: It is. Well, thank you. I appreciate that. I have to pause and just share. Is this what goes on in your world? Here's what my partner just told me: "You sound like crap." Steven J Butala: And I'm trying to help her though. Jill DeWit: I know. Steven J Butala: I'm trying to find some DayQuil. [crosstalk 00:00:39] Jill DeWit: "Do you know you sound like crap?". Yeah, I do know I sound like crap. Cause I feel like crap, but that's okay. Steven J Butala: Jill's not feeling well. Jill DeWit: I'm Professional. Steven J Butala: She's showing up for it though. Jill DeWit: I am. Steven J Butala: I'll carry you if I need to. Jill DeWit: Thanks. Steven J Butala: Before we get into it, let's take a question posted by one of our members on the landinvestors.com online community. It's free, and don't forget to subscribe on the Land Academy, YouTube channel and comment on the shows you like. Jill DeWit: Victor wrote "not sure this would fall under general or resource sharing, but does anyone, anybody recommend a credit card? That'd be great for our business type. It seems like the most expensive operating costs would be mail and online subscriptions. I have checked most business credit cards and none offer more than 1% of cash back for shipping or online services. This is something I never go there." Steven J Butala: This is a very, very long discord. Jill DeWit: I don't have any advice. Steven J Butala: Very long discord. There are a lot of comments. I refrain from commenting but somebody. Jill DeWit: Until now. Steven J Butala: Well yeah, that's exactly right. Somebody did quote Dave Ramsey and I agree with this and pretty much everything he says, nobody ever got rich on credit card rewards. I can tell you from personal experience, Jill and I have an American Express Platinum business card, and it gives you a tremendous number of points back and for a lot of years, not a lot of years, for a couple of years, until we wised up, we would travel all around and use the points and stay in hotels for free and on and on and on until we realized... until we talked to a main vendor. We have a bunch of other companies that are non land related, where we have to buy cost to consult. Steven J Butala: And we were using the American express card to the tune of maybe a $100,000 - $150,000 a month. And we added all the numbers up and so I went to two vendors specifically and said, "Hey, if we stop using this American express card and we actually start wiring you money for all, for this material- Jill DeWit: how much will it save?" Steven J Butala: He said, "Oh yeah, well, we can knock off, you know, Jill DeWit: X percent. Steven J Butala: 2% in one case in 3% in the other." and we fell out of our chairs, that's $3,000 to $5,000 a month per vendor. So if we add that up, it's real money. So, and then everybody went in Discord and talked about this. So here's my advice: forget about all that stuff. Just get a debit card. Or if you actually need a credit card, forget about the cash back and the points and all that. It's just a distraction. Jill DeWit: Right. Steven J Butala: And in the end, you're, you're getting charged for it somewhere. It's not free. Jill DeWit: Good point. Steven J Butala: Sarah. You're not feeling well. Jill DeWit: No, it's okay. No, you have, I'm going to let you run with that. Cause like I don't want to. Steven J Butala: I mean,

Overview: Today, we're going to talk about Chipper Cash - African Fintech payments & remittances player. We'll explore the Chipper story across 6 areas: Intra-Africa remittances context Global remittances (Outside Africa to Africa) context Chipper Cash's launch, early history, growth & fundraising Chipper Cash's Product & monetization strategy Its' competitive positioning, potential exit options End with our overall outlook. This episode was recorded on July 11 & Aug 1, 2021. Companies discussed: Chipper Cash, Venmo, PayPal, Square, Flutterwave, EcoBank, Safaricom, Sendwave, MTN, Airtel, Deciens Capital & Liquid2 Ventures Business concepts discussed: Consumer FinTech (Personal Finance OS) monetization strategy, FinTech exit strategy, Intra-African Remittances, International remittances, Cryptocurrency, Decentralized Finance, Stock trading & closed-loop payment networks Conversation highlights: (01:07) - Why we're talking about Chipper Cash (06:20) - Intra-African trade context (13:12) - Intra- African remittances context (21:40) - Global remittances context (36:50) - Founder backgrounds - Ham Serunjogi and Majid Moujaled (46:06) - Chipper Cash founding and early history (52:30) - Fundraising and Growth - Angel, Series A, B & C (1:07:25) - Product strategy (1:08:25) - Monetization strategy (1:35:24) - Competition - horizontal and vertical (1:45:55) - Potential exit scenarios (1:54:12) - Bankole's overall thoughts and outlook (2:01:32) - Olumide's overall thoughts and outlook (2:08:40) - Recommendations and small wins Olumide's recommendations, small wins & open questions: Recommendation: Nailing Capital vs Scaling Capital (by Sajith Pai) , Essentialism (by Greg McKeown) & Owning Chinese Companies Is Complicated (by Matt Levine from Bloomberg) Small win: American Express Platinum new benefits: Clear! & Audible! Bankole's recommendations, small wins & open questions: Recommendation: Why startups fail by Tom Eisenmann & How to build an engine to find product market fit by Rahul Vohra Small win: Dinner with friends on a rooftop in Seattle Other content: Chipper Cash pitch at 500 Startups & A columnist Makes Sense of Wall Street Like None Other - The New York Times We'd love to hear from you. Please email info@afrobility.com to share feedback or propose topics you'd like to hear. Join our insider mailing list where we get feedback on new episodes & find all episodes at Afrobility.com

Maybe it's just me, but does anyone else feel like manners and common courtesy have been thrown to the wolves? I mean literally, people behave like wolves. In this past year I've witnessed the worst of people..rude, inconsiderate, selfish and sometimes just plain despicable. I truly believe the world is a better place when all people show respect, kindness and consideration, and there is no better person to dig into this topic than Lizzie Post. Lizzie is the great-great-granddaughter of Emily Post and a co-president of the Emily Post Institute. She is also the co-host of the Awesome Etiquette podcast. I grew up with Emily's Post's book of Etiquette sitting on a table in our living room and while my mom never made me read the book cover to cover, the contents were communicated and good manners were non-negotiable.  Lizzie and I are talking about modern manners and the ways in which we can handle ourselves with consideration, respect, and honesty.    About Lizzie Lizzie is the great-great-granddaughter of Emily Post, and author of Higher Etiquette, and co-author of Emily Post's Etiquette 19th edition as well as Emily Post's Wedding Etiquette 6th edition, and The Etiquette Advantage in Business 3rd edition. She is a co-president of the Emily Post Institute as well as a co-host of the Awesome Etiquette podcast (now in its fifth year), a weekly Q&A show that explores the topic of etiquette through the lens of consideration, respect, and honesty. Lizzie does speaking engagements across the country sharing advice about lifestyle and wedding etiquette. She has worked as a spokesperson for brands including Bank of America, American Express Platinum, AirBnB, and Marshalls. She has held columns with Good Housekeeping, Women's Running, and Houzz.com, The Farmhouse Movement, and Broccoli Magazine. Lizzie offers a fresh, relatable, perspective with an engaging voice. She delights in encouraging the individual stand up for personal boundaries while respecting others. Lizzie enjoys tackling etiquette's taboo topics with the media, making her a popular source. Her interviews include NFL Films, NBC's The Today Show, Katie, Fox & Friends, Live with Kelly and Michael, The Gayle King Show, The Wendy Williams Show, Slate, Refinery29, Vanity Fair, Time Magazine, The New York Times, The Wall Street Journal, The Washington Post, The Chicago Tribune, Harper's Bazaar, Travel & Leisure, Glamour, Cosmopolitan, The Huffington Post and more. Lizzie Post holds a Bachelor of Science degree in Art Education from The University of Vermont and currently lives in her native Vermont.   Resources Mentioned The Rituals of Dinner https://www.amazon.com/Rituals-Dinner-Margaret-Visser/dp/0140170790 Higher Etiquette   Connect With Lizzie Website https://emilypost.com The Podcast https://emilypost.com Instagram https://www.instagram.com/emilypostinstitute/ Facebook https://www.facebook.com/emilypostinstitute/?ref=ts Twitter https://twitter.com/EmilyPostInst

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En este episodio vamos a hablar de especificamente dos tarjetas para viajeros frecuentes o viajeros de lujos. Estas tarjetas están cargadas con beneficios que de usarlos todos o casi todos estarías ahorrando mucho y disfrutando tu viaje por todo lo alto. American Express Platinum: https://www.americanexpress.com/us/credit-cards/card/platinum/ Chase Sapphire Reserve: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve Disclaimer: NO somos asesores financieros certificados, TODOS los consejos y recomendaciones realizadas en este podcast deben ser revisadas y estudiadas individualmente por cada persona, tomando así su propia decisión. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

In today's episode I'm joined by Katherine Butler, creator and author of the travel blog World Wide Honeymoon. Katherine's story begins in a small farming community in Kentucky. With local travels to different state parks to go camping and do other outdoor activities. Though eventually she started to look for ways to travel abroad. This led her to study abroad in Grenoble, France through a program called Global Scholars. Since then she started traveling more and more. At first with friends and by herself, and eventually with her now husband. Along the way she's picked up a few useful skills centered around travel hacking and couples travel. Now she shares what she's learned through her blog. In this episode Katherine shares some of her travel stories, and we take a deeper dive into the topics of couples travel and travel hacking. Discussing couple dynamics during long-term travel, how to accumulate miles to pay for travel, and how to take your dream honeymoon for less. This was definitely a fun and insightful conversation and I hope you all enjoy it! Connect with Katherine Website: https://worldwidehoneymoon.com/ Instagram: https://www.instagram.com/worldwidehoneymoon/ Facebook: https://www.facebook.com/worldwidehoneymoon Twitter: https://twitter.com/wwhoneymoon Pinterest: https://www.pinterest.com/worldwidehoneymoon/ Also, check out the credit cards that Katherine recommended: Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/ American Express Platinum: https://www.americanexpress.com/us/credit-cards/card/platinum/ Thank you for listening! Don't forget to follow All-Around Adventure on these social media platforms: https://www.instagram.com/allaroundadventure/ Instagram: https://www.facebook.com/AllAroundAdventure/ Facebook: https://twitter.com/AllAroundAdvent/ Twitter And until next time; be safe, happy travels, and always move forward!

In episode #492, Eric and Neil talk about how to manage your business while traveling. Tune in for some great tips on how to stay involved while also trusting others to step up in your absence. Time-Stamped Show Notes: [00:22] Today's Topic: How to Run a Business While Traveling [00:31] Eric and Neil are going to try a new format for the next twenty or so episodes about this type of content and would like your feedback. [01:05] Eric likes to make sure he has ironed out processes and delegated important tasks before he travels. [01:40] Traveling internationally doesn't mean you can't reach your team; you can still work in your current time zone. [02:10] Compromising with your leisure and work time while traveling is the best way to get everything done. [02:30] Having amazing managers in place means you can actually enjoy your travels and have fewer work responsibilities while you're away. [03:10] Parkinson's Law applies: “Work expands so as to fill the time available for its completion.” [03:50] Just because you own the business, does not mean that you have to do everything: reliable employees are key. [04:06] Eric recommends Insta Sleep to help you get your rest on the plane and adjust to another time zone. [05:30] Traffic is the lifeblood of your business. [05:55] Eric recommends Traction as required reading. [06:45] Eric and his team use Slack and 15Five to keep organized and in touch. [07:20] It's important to have systems in place to retain excellent workers. [07:40] Always use the plane's WiFi, so you can communicate and get work done on the go. [08:15] The American Express Platinum card gets you travel perks that offset the costs of membership. [08:33] That's it for today! [08:42] Eric and Neil recommend the Problem Solvers podcast, because there is an episode about Burrow, the Dollar Shave Club for couches. To listen go to singlegrain.com/solve. Leave some feedback: What should we talk about next? Please let us know in the comments below. Did you enjoy this episode? If so, please leave a short review. Connect with us: NeilPatel.com Quick Sprout Growth Everywhere Single Grain Twitter @neilpatel Twitter @ericosiu