Podcast appearances and mentions of Andrew Wang

Rev. Andrew Wang 1 Corinthians 15:3-8, 12-19 April 20, 2025

Rev. Andrew Wang 2 Corinthians 9:6-15 February 23, 2025

Stephen Biggar and Andrew Wang cover American Express (AXP) earnings. Andrew considers the report positive for investors, highlighting growth across all segments, and its gains among Millennials and Gen Z. Stephen agrees, noting its higher-income clients and the strong U.S. dollar, and thinks that they've made up ground in the number of merchants that accept AmEx. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The St. Louis Cardinals exchanged arbitration numbers with Brendan Donovan, Lars Nootbaar, and Andre Pallante while settling with Ryan Helsley, John King, and JoJo Romero. Can the Cardinals figure out long-term deals for Donovan or Nootbaar? Also, what are we supposed to make of the recent rumors connecting Nolan Arenado to the Boston Red Sox, Seattle Mariners, and Detroit Tigers? Josh Jacobs and Andrew Wang discuss all of that on this episode of Dealin the Cards. Join this channel to get access to perks: https://www.youtube.com/channel/UC2j_m928DkTZsnj0nR_bERQ/join Use code CARDS on Underdog Fantasy to get up to $1000 in bonus credit! https://play.underdogfantasy.com/p-dealin-the-cards Use our Lids affiliate link here: https://lids.7q8j.net/QyG60o Buy our merch here: https://dealin-the-cards.creator-spring.com/ Follow us on Instagram, Twitter, and TikTok @DealinTheCards

Andrew Wang from Runnymede Capital Management says that Salesforce's (CRM) 3Q earnings show that despite investors being skeptical of the market rally, A.I. can help keep the records going. While investors were questioning Salesforce earlier in the year, its strong margins and dividend show that it will continue to be a financial powerhouse. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Send Us a Text MessageAre you consistently podcasting, yet your show doesn't seem to be growing? Many podcasters face the same trouble. Thankfully, there is a simple solution to this problem. In this episode, Andrew Wang shares that the breakthrough you're seeking for your podcast can be accomplished simply by refining and changing your format into something more unique and even revolutionary. Get ready to experience an increase in downloads and receive more recognition for your podcasting efforts!MORE FROM THIS EPISODE: HTTPS://PODMATCH.COM/EP/297Chapters00:00 Introduction: The Challenge of Standing Out02:50 Creating a New Podcast Category04:18 Making Meaningful Changes to Your Podcast05:15 Going Live: Offering an Interactive Experience06:13 Revamping the Format: From One-on-One Interviews to Guest Panelists08:08 Streaming to Multiple Platforms and Proactively Promoting Episodes09:07 Being Intentional with Guest Selection and Planning Episodes10:35 Dare to Be Radically Different: Key to Podcast GrowthTakeawaysTo stand out in the podcasting landscape, it's important to be unique and create a new podcast category.Making meaningful changes to a podcast requires introspection and looking for inspiration outside of the podcast category.Going live and offering an interactive experience can help differentiate a podcast.Revamping the show's format, such as having multiple guest panelists, can make the podcast a great networking tool.Streaming to multiple platforms and promoting episodes proactively can contribute to podcast growth.Being intentional with guest selection and planning episodes in advance can create a cohesive and strategic podcast catalog.To grow a podcast quickly, it's essential to be bold, memorable, and dare to be radically different.MORE FROM THIS EPISODE: HTTPS://PODMATCH.COM/EP/297

CardioNerds cofounder, Amit Goyal joins Dr. Belal Suleiman, Dr. Nkiru Osude, and Dr. David Elliott from Duke University. They discuss a case of severe mitral paravalvular regurgitation complicated by hemolytic anemia. Expert commentary is provided by Dr. Andrew Wang. Audio editing by CardioNerds Academy Intern, student doctor Adriana Mares. US Cardiology Review is now the official journal of CardioNerds! Submit your manuscript here. CardioNerds Case Reports PageCardioNerds Episode PageCardioNerds AcademyCardionerds Healy Honor Roll CardioNerds Journal ClubSubscribe to The Heartbeat Newsletter!Check out CardioNerds SWAG!Become a CardioNerds Patron! Case Media - Severe Mitral Paravalvular Regurgitation Complicated by Hemolytic Anemia - Duke University

Andrew Wang reflects on the power of music to connect and inspire. This Perspective originally aired in June 2015.

Andrew Wang from Redbirdrants.com and the Noot News Podcast joins the show! https://redbirdrants.com/posts/6-more-reunions-the-st-louis-cardinals-could-pursue-in-2024-01hmhrha644d- Matt Carpenter- 6 Possible Reunions- Jordan Montgomery- Trevor Rosenthal- Kolton Wong- Matt Holliday- Adam Ottavino- Alex ReyesFollow & Subscribe on all Podcast platforms…

Andrew Wang from Redbirdrants.com and the Noot News Podcast joins the show! https://redbirdrants.com/posts/6-more-reunions-the-st-louis-cardinals-could-pursue-in-2024-01hmhrha644d - Matt Carpenter - 6 Possible Reunions - Jordan Montgomery - Trevor Rosenthal - Kolton Wong - Matt Holliday - Adam Ottavino - Alex Reyes Follow & Subscribe on all Podcast platforms…

Andrew Wang is a Toronto based mixed media artist.  He has a non-traditional background, coming from two decades in engineering and business.  He left this career 6 years ago to pursue art and has developed into a professional artist showing in galleries, art fairs and public art installations. Andrew uses meticulously folded origami objects to create large scale assemblages. He tells stories of individual journeys and migrations of previous generations.  With his unique background, he draws on science and mathematics for his compositions and metaphors.  Fluid dynamics, planetary motion and weather patterns are often seen in his work. Learn more about the artist. Learn more about the podcast.  I also want to share a new exciting art podcast called In/Tension. In/Tension, produced by Toronto-based The Power Plant Contemporary Art Gallery, is a limited podcast series of intimate, thought-provoking and accessible conversations with emerging, mid-career, and established contemporary visual artists across Canada. Detailing the ideas, inspirations and experiences that fuel their art, In/Tension aims to shed light on the breadth of the Canadian contemporary art scene and provide a platform for diverse artistic voices to dive deep into their creative intentions. Learn more here. 

Andrew has been a yoga instructor in the States since 2014 and recently has been coaching in Shanghai for the last few years. In addition to talking about the fitness industry in general we talk about how to balance your workouts and his overall fitness philosophies.  RED：AndrewWang

The storage team at Airtable published a blog post describing, in detail, the migration of their petabyte-scale storage layer from MySQL 5.6 to MySQL 8.0. Andrew Wang, the lead of Airtable's storage team, joined us to discuss the migration, Airtable's storage architecture, data isolation levels, engineering culture, and more. The blog: https://medium.com/airtable-eng/migrating-airtable-to-mysql-8-0-809f0398a493 Github's gh-ost, recommended by Andrew: https://github.com/github/gh-ost Andrew's LinkedIn (he's hiring): https://www.linkedin.com/in/aawang/

Today's episode starts off the an unexpected lesson in pronunciation and anglicization of names. But the real story:  Andrew Wang has a career rather unrelated to music.  He decided to learn guitar, however, and found himself experiencing serious stage fright when he played in front of people.  Ring a bell with you?  Start a new project as an adult only to realize doing it in front of people was nerve-wracking. Andy chose a genre of music that was relatively popular but with very few musicians playing it live.  The invitations to play started to come in.  It's hard to say No to a cousin's wedding. When you keep saying Yes… where can that lead you? Andy shares several stories about saying Yes, and has a great philosophy about sharing our gifts.  AND he ties it back to retirement. Stay tuned to the end when I ask Andy a question from out of left field! A wonderful conversation with a delightful person. Andy mentioned "Playing For Change":  https://www.youtube.com/watch?v=Us-TVg40ExM Find the musical Andy at https://www.andywangmusic.com/ Read more at:  https://boomwithabang.com/andy-wang-on-dealing-with-stage-fright/    

Andy Wang is a Managing Partner at Runnymede Capital Management and host of Inspired Money, a Forbes Top 10 Personal Finance Podcast By Financial Advisors. In this episode, you will learn the following:1. How to use digital marketing to grow a small business2. How to use a blog to answer customers' questions and improve SEO3. How to start and grow a successful podcastWhether you want to launch a side hustle, pay down debt, or give money to charity, listen to Inspired Money because big things begin with just a little inspiration.  https://www.runnymede.com/inspired-money/We're happy you're here! Like the pod? Follow us on all socials at @amplifywithanika and @yourbrandamplified Leave a review on Apple Podcasts Visit our website Connect with us at hello@yourbrandamplified.co

✨ SUBSCRIBE TO THE OVERPRICED JPEGS CHANNEL ✨ https://bankless.cc/jpegs  ------

How secure is your financial future? Today, Grace speaks with Andrew Wang, named a top influential financial advisor by INVESTOPED and Host of the popular podcast 'Inspired Money'. Andrew walks us through the vital elements of sound financial planning, discusses cryptocurrency, shares some great tips, and reveals his passion for Hawaiian music with a beautiful impromptu performance that will keep you relaxed and ready to tackle your finances. For complete show notes and links, head to worldabout.com Plus, join us on Twitter at twitter.com/worldabt  and don't forget to follow our show. Thanks!

Boeing (BA) is lobbying for an extension of old requirements for certification, says Tim Lesko. He and Andrew Wang discuss how BA is dealing with changes in certification after 2020 plane crashes. They talk about how usually the certification of additional variants does not take this long or require this much scrutiny. Tune in to find out more about Boeing and the stock market today.

Peloton (PTON) sales are no longer driving revenue growth, says Andrew Wang on Affirm (AFRM). He and Brian Seay discuss AFRM as it is under pressure following its earnings report. Brain notes that it is really important to watch AFRM's competition with Klarna and AfterPay. Tune in to find out more.

Are we in a recession? Are we headed towards one? In this episode we chat with Joe Saul-Sehy, Andrew Wang, and Jen Smith about how to protect yourself when economic winds change. What are you going to do to make your finances stronger regardless of what the future holds?

✨ SUBSCRIBE TO THE OVERPRICED JPEGS CHANNEL ✨ https://bankless.cc/jpegs  On this episode of Overpriced JPEGs, Carly is joined in-person with Andrew Wang, NFT thought leader, journalist, and, more recently, artist and co-founder at Devotion. Carly & Andrew talk about the future of 10k PFP projects, Andrew's touching journey to NFTs, his rise to web3 fame, Cool Cats, and, of course, his latest venture, Devotion. This is a side of Andrew that many people haven't had a chance to see and we like the Andrew! As always, we hope you enjoy the conversation! ------

✨ SUBSCRIBE TO THE OVERPRICED JPEGS CHANNEL ✨ https://bankless.cc/jpegs  On this episode of Overpriced JPEGs, Carly is joined in-person with Andrew Wang, NFT thought leader, journalist, and, more recently, artist and co-founder at Devotion. Carly & Andrew talk about the future of 10k PFP projects, Andrew's touching journey to NFTs, his rise to web3 fame, Cool Cats, and, of course, his latest venture, Devotion. This is a side of Andrew that many people haven't had a chance to see and we like the Andrew! As always, we hope you enjoy the conversation! ------

Andrew Wang helps people make patient investments. He is a Managing Partner at Runnymede Capital Management, where he helps families and business owners plan their financial futures. He's been featured in Barrons, Reuters and Investopedia and hosts the podcast Inspired Money. Andrew joined host Robert Glazer on the Elevate Podcast to talk about common personal finance mistakes and how to make prudent, smart investment decisions.

Walmart (WMT) and Roku Inc. (ROKU) announce a partnership to make TV streaming the next e-commerce shopping destination. Andrew Wang discusses what this partnership means for WMT and ROKU, as well as competitors Amazon (AMZN), Shopify (SHOP), and Etsy Inc. (ETSY). He talks about how ROKU's oneview ad-buying platform will have the exclusive ability to activate and measure shoppable T.V. ads for effectiveness, and will allow users to purchase directly from ads from Walmart. He then goes over the best positioned streaming stocks. Tune in to find out more.

Intuit (INTU) stock price today was up over 8% after their recent earnings call. "Inuit had solid performance across all segments despite economic headwinds. It has 67% market share in the U.S. tax software market," says Andrew Wang. Will Intuit continue its growth via acquisitions? "Live tax assistance has helped Intuit gain market share. INTU stock price is attractive currently. Intuit's innovation levels prove that maturity does not always come with age," adds Julie Bhusal Sharma.

My name is Andrew Wang and I am 9 years old, I am a homeschooler right now and traveling the world with my mom.  I love to talk, really, I can talk for hours. I usually talk about the secret, misconceptions about life and the corrupt school system, history and sometimes politics

In this episode, we dive deep into the current state of affairs with the Azuki controversy. This is after Andrew Wang hosted a Twitter space with Zagabond that did not positively impact the situation. There are a lot of questions about Zagabond's background and Azuki as a project. We see quite the fall from grace as we look into what's already happened, what should happen, and everything in between. Buy our NFT Sign up for FTX Join our discord Check out our Twitter -- DISCLAIMER: You should never treat any opinion expressed by the hosts of this content as a recommendation to make a particular investment, or to follow a particular strategy. The thoughts and commentary on this show are an expression of the hosts' opinions and are for entertainment and informational purposes only. This show is never financial advice.

Phil Huang is the founder of DeFiCon. DeFiCon is a nonprofit conference with a mission to elevate the ethos of peer-to-peer crypto. Speakers from DeFiCon 2021 include NFT journalist Andrew Wang, Bored Ape Yacht Club artist All Seeing Seneca, Congress Legislative Director Conor Carney, and Axie Infinity Esports Program Lead Zyori.In this episode we discuss:How Phil co-founded and became a board member of Karate CombatHow Phil put together DeFiConHow he got All Seeing Seneca to do the art for DeFiCon's NFT ticketsHow did they get such A-list guest speakers?What kind of goals are priority for DeFiCon 2022?What Phil is excited about in crypto and DeFi right nowLearn more about Phil and DeFiCon:Phil's Twitter: @TheHuangWayDeFiCon Twitter: @DeFi_ConferenceDeFiCon: https://deficon.nycKarate Combat: https://www.karate.comKarate Combat is hiring Product, Devs, and Community builders!  https://www.karate.com/jobsIf you liked this episode, you can find more episodes at wld.show!

Sometimes children can really surprise you with their wit, wisdom and insights. Case in point, I had a chat with Andrew Wang about world events, history and ever increasing popularity of his YouTube channel. I was blown away by his charisma and passion for history. Most of all, I was most impressed that my interviewee was only 9 years old. Tune in to this podcast now! I think you will be amazed by what you hear. ABOUT MY GUEST My name is Andrew Wang and I love to talk about the secret, misconceptions about life and the corrupt school system, history and sometimes politics

In response to Russia's invasion, the Ukraine region saw unprecedented levels of economic sanctions, choking up the financial institutions. As a result, the question of how the public could provide financial aid to those in desperate need was left open.NFT community builder, Andrew Wang, woke up to the atrocities unfolding in Ukraine. Terrified and shocked, soon turning into conviction and resolve, Wang was determined to take action in the best way he knew how — by bringing people together.Ultimately, Wang joined together with other NFT leaders and 37 NFT artists to create RELI3F — a Web3 initiative providing global humanitarian aid and ended up raising over $1 million for Ukraine in 30 seconds, via NFT sales.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We were lucky enough to sit down with the amazing Andrew Wang this week!Andrew is an amazing person found throughout the space and I'm beyond thankful to call him a brother and friend to me. We spoke about many topics regarding the community and hope that everyone finds themselves enjoying this weeks episode of Sit Down with Sniper.Be sure to check out Andrew on Twitter and all through Discord servers!

Host: Matt Birnholz, MD Guest: Andrew Wang, MD Although hypertrophic cardiomyopathy is the most common inherited heart disease, it is estimated that many patients remain undiagnosed. But why is that, what are the steps to help close the diagnostic gap, and what are the current management approaches for HCM? Joining Dr. Matt Birnholz to answer these questions and more is Dr. Andrew Wang, Vice Chief for Clinical Affairs for Duke University's Division of Cardiology and Director of the Duke Hypertrophic Cardiomyopathy Clinic.

Today's 360 round focuses on FAANG stocks. Andrew Wang, Managing Partner at Runnymede Capital Management, and Nathan Peterson, Director of Derivatives Analysis at the Schwab Center for Financial Research, discuss what high valuations mean for big tech stocks. They also talk about how big tech will fare in a post-Covid world, as well as what rising rates means for big tech. Tune in to find out more.

Welcome back to Life With Lam! Thank you for taking the time out of your day to listen to this podcast, I hope you enjoy XOXO Joining me in this episode is Andrew Wang, President of DSA (Deakin Society of Asian Australians). Opening up about his reign as the president of DSA, a club that I am so grateful to now be a part of, Andrew and I talk about the personal development that has been undertaken for him as he stepped up into a leadership position in a University Club/Society. Further, we talk about self-love and the trivial rigours that life in highschool may bring into life. Lots to unpack in this episode of Life with Lam... The iconic duo is back! Thank you Andrew for hopping into the studio, I hope you listeners can sit back and enjoy the latest episode as much as I did! Andrew's Socials: Instagram - https://www.instagram.com/_andrewwang/ DSA's Socials: Join "DSA LOFT" on Facebook Instagram - https://www.instagram.com/dsa.deakin/ Remember if you enjoyed the episode, please don't forget to follow Life With Lam and leave a review. Contact me via these handles if you want to collaborate or be a part of the family! Instagram - https://www.instagram.com/lifewithlampodcast/ Facebook - https://www.facebook.com/lifewithlampodcast Email - lifewithlampodcast@gmail.com

4 years ago Andrew Wang left an engineering and business career to care for his school age children and pursue his lifelong dream of becoming an artist. He's influenced by the Renaissance period where artists were engineers - and engineers were artists. Andrew studied mechanical engineering first at the University of Waterloo then as a graduate student at MIT. As a former engineer for a materials company, Andrew takes care in his art materials choices, considering both the technical and the symbolic. I intereviewed Andrew Wang by zoom in front of a live audience in the Engineering Careers course I teach to grad students at the University of Toronto.

In this episode, we cover: 00:00:00 - Reflections on the Episode 00:03:15 - What is Mortgage Servicing 00:13:20 - Impact of the Great Financial Crisis  00:18:40 - Andrew's Background 00:24:10 - Valon's Technological Innovations  00:31:06 - Relationship with the Consumer  00:36:00 - Regulations and Regulators  00:40:40 - Valon's Future/Outro Links:Website: Valon TranscriptJason: Welcome to the Perfectly Boring podcast. Today we have Andrew Wang, CEO of Valon, on the show, and today we're taking on the topic of mortgage servicing. So quickly, what is mortgage servicing?Well, a mortgage is obviously a loan for a home. And mortgage servicing is the institutions that actually take care of paying off that loan over the 10-, 20-, 30-year timeline. So, that digital interface where you pay your bill, et cetera, that is not always your originating bank. And Andrew is building a fascinating business in this space. We learned a lot about the mortgage, the evolution of the mortgage servicing space over time, the impact of the great financial crisis, and the interesting approach Valon is taken, not only just with technology, but changing the relationship with the end customer. So, what were some of the interesting touch points that we got during the conversation, Will?Will: It was a really wild discussion because I started with a fairly preliminary understanding of what mortgage servicing was. And in part of the wind up that listeners are going to get an opportunity to hear, Andrew really gives us a perspective as to how critical mortgage servicing is to the underlying health of the US, and therefore global, economy, and how much of an afterthought mortgage servicing has historically been, and why that should not necessarily be the case, and why now is the, sort of, unique moment in time to be able to use advanced technology and a reorganization of the overall stack for mortgage servicing to bring a better product to market for both consumers, for originators, for investors, and for regulators. And so, I mean, really badass discussion, really cool company, a space most people never think about, definitely a boring space, but with a just immense amount of value to be created.Jason: Yeah, and hopefully our listeners go through kind of the same increase in excitement that I had during the conversation, which is you kind of over time just realize this entire industry of mortgage servicing, not only is it critical, but how much they're missing the actual point which is, if you really just focus on the homeowner and creating a great experience for them, this is a huge relationship, it's a multi-decade relationship, and there's probably not just one product you can offer them. But they're stuck in the staid and stodgy technology of yore, and haven't been able to move as quickly and break through to open that aperture and open that relationship with their customer. So, before we get too deep into the weeds, let's just jump into the interview. Here's Andrew.Will: Andrew Wang, founder and CEO of Valon, thank you for being on the podcast with us today to talk about the very boring, very large industry of mortgage servicing. For the benefit of our listeners, it would be good to start at a really high level and give people kind of a baseline for what mortgage servicing is, and maybe a little just on the history of the mortgage servicing industry, you know, before we dive in a little bit on the specifics of your background and Valon.Andrew: So, mortgage servicing is a sort of pervasive thing that exists throughout the mortgage ecosystem and in the lives of most American homeowners, but it is also just not very well understood in terms of the dynamics that are involved with mortgage servicing in terms of who's involved, how they're involved, and exactly what they do. But again, nonetheless, it's something where it's within every part of the mortgage ecosystem today. But to give you some background on mortgages and how mortgage servicing even is a real thing, let me first talk about the mortgage industry as a whole. When you think about the mortgage industry, it's obviously a very large component of the American economy today. When people look at it, they say, “Hey, 20% of GDP in terms of housing,” something that the US government often uses in order to boost spending; they lower our mortgage rates in order to cause people to have more savings and then spend on other things. It's just a very, very core piece of the American ecosystem.But it actually came into play really, during the depression, the Great Depression, were effectively pre the Great Depression, mortgages weren't really regulated all that much, and as a result, there were kind of weird, funky structures, even crazier than what people saw in 2007. And as a result of that and as a result of all these people who weren't able to pay their mortgages due to these balloon loans being in place, which are basically loans that don't amortize, and basically become due and payable at a certain point in time, what the US government did as a function of the New Deal was put these government institutions into place to create more affordable housing structures, to create these institutions who would really regulate the housing market, or really add liquidity into the housing market so Americans could actually own a home.Will: And that kicked off the current, almost philosophical ideal that we have today about homeownership kind of being the epitome of the American dream. This was—the mortgage was almost an invention to bring that to fruition after World War Two?Andrew: That's exactly right. So, after World War Two, it became more and more core to the American dream. When everybody talks about, “Hey, what is the American dream?” It's obviously being able to get further in life based on your own merits, it's about owning a home, and starting a family, building a community, all of those different things, and the home is just so central to that dream. But exactly to your point, it started from post-World War Two.By the 1990s, it became such a large component of how the US economy even functioned and worked that there was more and more so this focus on affordable housing, putting people in homes, putting people in sort of a structure that creates the ability, creates stronger communities, and create a more robust ecosystem within cities, within neighborhoods, and everything else. So, that's how mortgages became so intertwined in the American system versus, you know, other countries, which may have relatively high homeownership rates, but just not nearly as high as the United States. That's, like, the genesis of how mortgages became a big component of it. The mortgage servicing aspect of it actually wasn't as relevant of a thing, that became more of a thing, actually, after the great financial crisis, the GFC. So pre-2008, what ended up happening was actually that most people when they got a mortgage were serviced by the same people who gave them that mortgage. So, you had Countrywide, you had some of these older institutions which have since gone bankrupt or have been acquired by more older financial institutions, servicing the mortgages. So, it wasn't really a separate thing, for the most part, at that point in time, and it wasn't really an important topic, actually.Jason: Before we go too deep, maybe you can define servicing. Like, how does that show up in the average American's life? What is servicing when it comes to an individual?Andrew: So, mortgage servicing specifically is what happens right after you get a new mortgage. So, when you get a new mortgage, you go to your originator. It can be someone who works at a bank, it could be mortgage broker that is a family friend of yours, it could be someone on Main Street who has a sign out that says, “I'm a mortgage lender. Come inquire about rates.” Once you get that mortgage from them, you have to make the payments back because you've got the mortgage to buy your home.That entire process of making those payments and the institution that you make those payments towards, that is the mortgage servicer. Now, when you look at that very simply, that is similar to a debt collection agency where you're effectively making payments, they're collecting on the debt and they're making those payments back to the person who made that mortgage. Now, what's actually more complex about mortgage servicing, as opposed to normal general debt collection is the fact that one, there's a lot of more regulation associated with it, right, because there is a home involved, and there's a lot of regulation around how you deal with homes; there's a second component which is, as per the government agencies and as per many state regulatory agencies, you are considered the trusted financial advisor to the homeowner along the homeownership journey. So, when a homeowner says, “Hey, I'm unable to make a payment; I need some help,” the mortgage servicer isn't allowed to just say, “I don't care. Deal with it,” they're often required to go through all these interactive processes to make sure that the homeowner can actually get the right solution and continue owning their home.Long story short, just jumping quickly back to what we were just talking about, it's really core, and part of the thesis, really, of the American economy that they want to keep people in homes, they want to keep people getting homes, increase the homeownership rate, make it part of the American dream. So, what they did was they made mortgage servicers responsible for keeping people in homes.Jason: Gotcha. And this was on the back of the great financial crisis?Andrew: Correct. Actually, it was there before but what I was trying to really get into was that pre the great financial crisis, it wasn't as really hot of a topic because homes were honestly increasing prices all the time; anyone who bought a home basically made money on their home, so just not really a big worry throughout the entire ecosystem. So, when people thought about mortgage servicing back then, it existed but it wasn't really a concern. It wasn't a focus of both regulators, politicians, really anyone in the entire ecosystem. But when the great financial crisis happened, what ended up happening was, well, people weren't able to get out of their homes, they weren't able to pay for their homes, their homes were less valuable than the mortgage that they took out.And as I mentioned just right now, the mortgage servicing process is actually also the process of helping the homeowner stay in that home. And that's why home mortgage servicing became such a large topic and became such a large focus because post the great financial crisis, it became all about making sure that people who took out these mortgages were able to put themselves in a position where they were able to keep their homes. Obviously, there was a lot of difficulty with respect to it. Obviously, there were a lot of people who were unable to actually pay for their mortgages on an ongoing basis, so there were a lot of what's called modifications, basically changes to the underlying mortgage in order to make it affordable. But that entire ecosystem really exploded both from a regulatory scrutiny perspective, from the amount of activity that was happening in it because of the great financial crisis.Jason: So Andrew, why does mortgage servicing even exist to begin with?Andrew: Yeah. So, this is one of those really long archaic, sort of, pieces of knowledge that people have to understand the ecosystem, understand the history, understand all the different dynamics before they end up realizing why it's even a piece of the entire pie. And if you look at other countries out there, like Great Britain, Asian countries where there's tons of mortgages, as well—China, Japan—but mortgage servicing as a separate concept, it's just not really a thing. So, it's really, for the United States, a concept that is tied to Fannie, Freddie, FHA, VA—which are basically Ginnie—these government institutions. So, the long story short, but still very long story, is that when the government put these different institutions in place, they created a concept where basically the underlying person who they wanted to interact with the mortgage was still the originator.So, I make a mortgage, my business isn't to hold this mortgage because the government wants to buy the mortgage and make it more liquid, and therefore more people can make mortgages, and therefore the cost of a mortgage is lower, but I still want you to be the person who interacts with the homeowner. So, I want to split this concept out. I'm going to own the mortgage, you're going to service the mortgage. And let's stick with that for now. So, that was, like, phase one of it.Then phase two of it was the fact that well, if that's going to happen, then every single person who makes a mortgage needs to be able to service the mortgage, so that's not fair to mom and pop shops across Main Street. If I originate whatever, 10, 20, 50, 100 mortgages a month, I'm not going to be at a place or a scale where I can run a true mortgage servicing operation. It just doesn't work. So, how am I going to deal with it? So, the government, again, to try to incentivize mortgage lending to incentivize liquidity in the space, said, “Fine. You can sell that servicing to another guy who then will deal with the relationship.”And boom, thus mortgage servicing is born, the idea of mortgage servicing is born, and this entire ecosystem then diverges. And really, not just diverges, it converges really to an efficient model of saying who is the best at mortgage servicing? Who are these cheap cost providers who are in the Midwest, who do it poorly, but thus can pay the highest price for mortgage servicing, and thus that's where all of the capital and all of the assets, sort of, flow? And that's why we live in the world we live in.Will: So, servicing is kind of an afterthought for the majority of the existence of a mortgage industry at large. Until, '08, '09. In '08, '09, everybody starts fixating on the servicing process as what it should always have been looked at, which is this really critical interface between the borrower and the lender, to a degree. And as a part of all of the regulation and the ongoing focus on servicing during that period of time, as we almost reworked the entire housing market, the cost to serve as a mortgage also changed a lot. Maybe you could just touch on that because there are a lot of compliance and regulatory framework aimed at servicing actually dramatically increased the complexity of doing servicing, which I think had a pretty profound impact on the cost to do so, right?Andrew: Yep. So, to elaborate further on these points that you're mentioning, the mortgage servicing ecosystem was really underdeveloped, both from one technology perspective as well as an understanding perspective, pre-2008. Again, people were not really afraid of being able to pay mortgages because naturally whenever you couldn't, you just sold your home and you probably made money on it. So, it's debatable as to whether or not [unintelligible 00:14:48] people are fully compliant back then whether the cost of servicing would be higher, but nonetheless, it is based on the data that people can see in the financials of mortgage servicing companies. Mortgage servicing became extremely expensive and really double, tripled in costs post-2008.And the way that it played out was basically the great financial crisis happened; people were unable to pay their mortgages; the traditional way would be to just put people out of homes, and as I mentioned earlier, the government's very incentivized to keep people in homes. And in order to make sure that the servicers were doing the right things, they basically put a bunch of different regulations both on the federal level and the state level to ensure that mortgage servicers were following the right processes in order to determine whether or not someone could make a payment for the mortgage, make sure that they're offered the right plans, and to make sure they were provided the right disclosures before they actually got through a process of foreclosing. So, when they put these regulations in place, normally you would think, “Well, these things can be somewhat automated. These things can be provided as part of the process.” But as I mentioned because it was so under-focused, there was just really not that much technology in the space, really not that many technological providers even involved in the industry.There's one main one, named Black Knight. So, when this all happened, these servicers went to Black Knight and basically asked them, “Hey, well, we are running into these issues. Can you help us?” And the answer was, quite frankly, “We will try, but we can't really guarantee all that much to you because there's a lot of changes, there's a lot of code that needs to change, and we just can't get it all done that quickly.” So, the only way that the mortgage servicers could handle these different regulatory requirements was basically to put people in place.You basically replaced what you would like to use, or what like to get done with technology, with people. So, you basically have this explosion of people cost in the number of people required to service a mortgage, and basically got to a place where today, there's two to three times as many people who need to be involved in a mortgage, versus pre-2008.Jason: What does the actual structure and distribution of mortgage servicers look like today, and how has that changed since the great financial crisis?Andrew: It's one of the things that honestly, the government focuses a lot on. There's a term, which is systematically relevant of financial institutions. So pre-2008, like I mentioned, there wasn't really that much of a concept of mortgage servicing. There were mortgage servicers out there, but most of the servicing was still held by the originators who made the mortgages. So, as a function of that, the ownership and really the people or entities that were servicing the mortgages was distributed quite similarly to the origination volumes.The guys who made the mortgages were the guys who serviced the mortgages, and as a result, there was a good split between bank who were very involved in mortgage space, as well as non-bank entities became more relevant, you know, probably post-2005. Today, we've gone into a world that is more and more non-bank-oriented, meaning the regulations have stepped up to such a dramatic degree that the underlying institutions who were originally involved had really substantially changed. I'll give you some simple examples. CitiMortgage, one of the largest originators previously, still a very large originator probably top five, now no longer services its own mortgages. It's completely outsourced—I think as of 2017—all of their mortgage servicing to Cenlar.Similarly, US Bank is no longer servicing their mortgages. The folks at JPMorgan Chase, Jamie Dimon has, you know, publicly stated that they want to get out of this business and they've been working with other sub-servicers to slowly migrate to a place where they're not servicing their mortgages anymore. So today, you are in a world now, where it's basically 70% non-bank dominated versus pre-2008, we were in a world that was probably 70% bank dominated.Jason: You're painted a really stark picture of an increasingly disjointed, highly regulated, under-digitized, mortgage servicing market. This sets the table really well, I'm sure, to start to talk about how you're changing those dynamics with Valon. But before we dive into the company, maybe you can give us a bit of background as to how you personally got involved with mortgage servicing to begin with.Andrew: I like to coin—or use the term that I am an accidental operator because my background is actually on the investment side. I started out, really, in my career focusing on investing in some of these legacy mortgages. So, my first job out of college was working at Goldman. I was on what's called the short-term products [unintelligible 00:19:24], did some stuff with mortgages, I did some stuff with aircraft, but I quickly moved over to a Soros Fund Management where my primary job was actually to look at mortgages. So, I started out actually looking at the legacy, what's called non-agency residential mortgage-backed securities, and looking at the data underneath and seeing what was going on with these mortgages.Naturally, as with much of the market, we went from buying these securities to a place where we started buying the underlying home loans, the actual mortgages as opposed to the securities that you can buy on an exchange. And as a function of that, I ended up having to work with the servicers because when you buy the whole loan, unlike a security where everything's packaged up for you, you don't have to think about the accounting, the servicing, whatever else, when you buy the whole loan, you have to go find the guy who's selling the whole loan, you got to understand what he's doing, so he's not selling us stuff that you didn't want to buy, he's running the processes the right way, and you also have to go work with the servicer to actually get the servicing to happen, because it's a licensed activity. So unsurprisingly, the way I got about it was I started calling all my friends who had owned whole-loan portfolios before, and I asked them, “Who do you guys work with? Who should I be talking to you?” And the answer was, very simply, “They all suck.” Like, nobody likes your servicer.Now, you would think that would be an answer purely from one perspective, one angle like it'd be the perspective of an investor, maybe they charge too much. But it turns out it's because they aren't liked by the consumer, extremely low NPS scores of on average about 16; they aren't liked by their investors, they're extremely commoditized and extremely poor customer service, and they're most certainly not liked by the regulators who just keep fining them over and over again. You search mortgage servicing [unintelligible 00:21:07], you basically have, like, thousands of pages about this. And it's still even happening today. And it's not even entities that, you know, are foreign and pretty small and not understood; it's even large institutions like Citibank which is—like I said—why they got out of mortgage servicing.So naturally, my view on it was, well, this seems like something that technology can solve. This is something that we should be able to do better. This seemed insane that in the 21st century, that we're still dealing with this type of stuff. But as you start to dig in more and you start to pry into the actual underlying business, you start to understand both the complexities from an execution perspective and the actual underlying technological challenges. So, I ended up trying to find a couple of venture companies to invest in to go do this, but I actually couldn't find anyone who had the right idea, the right setup, the right vision in terms of how to build this company.So, you know, I went about my way, kind of left this on the side, and focused on other things at the time. But actually came back to it when I started looking at mortgage servicing rights which, at the time, I didn't understand nearly as well because I bought what are called whole loan mortgages, this entire mortgage. Mortgage servicing rights are basically the contractual relationship between the person who owns the right to service the mortgage—like I said, to collect, to interact, to really deal with the data of the mortgage borrower—and the person who actually services the mortgage. So, it's the contractual right that allows you to sub-service a mortgage out. What's interesting about that is that is basically a way to own that relationship and contract that relationship long-term.And for me, as someone who had started looking more and more into FinTech, the way I sort of saw it was, here is a way and here is an asset class, and here's a space that actually allows the mortgage servicer to own these relationships and do have these long, sticky monthly engagement type relationships that they can have over 7, 10, 30 years. And that's a very unique thing to have. More importantly and most interestingly, it's in a situation where actually in this ecosystem, people pay you to own that relationship, people pay you monthly fees to say, “Hey, actually work with the borrower. Hey, actually interact with them, help them find what they need, whatever else, and we'll pay to do it, and you're allowed to market additional things to them.” So, to me, that seems like such an interesting situation because not only can you have a business that is built to really improve the margins of the business and build automation around it, but you have this sticky relationship with the homeowner that you can really use to build trust, and really sell future financial products to.And that just seems like a very interesting business in my mind. So ultimately, I decided, hey, investing is interesting but this seems like too big of an opportunity to give up. So, I decided I wanted to go start a business, and this was the business I started, you know, right after.Jason: And one of the most interesting things to me is that it's not just a software component, right? Because you had looked at a number of other software providers and decided to do something a little bit more full-stack, which we don't typically see in the venture space. People tend to just want the software component and tend to steer clear of the services component. Maybe you can talk a little bit about why you still decided to include services as a part of what Valon offers.Andrew: There's an understanding amongst most venture investors that you want to be in the software business because it has a high margin business, it's defensible business, and it's less subject to changes in terms of margin profile because of the large amount of margin you have. Which, you know, is understandable. And that's ultimately actually where we thought we were going to get to, until we dug into and, sort of, operating this business, the actual origin of starting a mortgage servicing company as opposed to just the technology company was the fact that we realized that existing players were hamstrung by their current software in such a crazy degree that they weren't even able to migrate off of their existing systems to a new system. It's also a super-regulated space so anybody who wants to do it, wanted or needed to see clear performance, clear audits, really regulatory buy-in before they even made those things. So, it actually started out originally as an execution [ploy 00:25:31] where we said, “Well, we can execute faster, we can learn faster, we can dogfood our own product so much faster, and come back to people later on once we've been able to show these numbers.”But as we started doing this business more and more, we began to further understand that there's actually a really, really great opportunity running the mortgage servicer because you have that direct customer relationship. And that's such a valuable thing because even if we had automated all of the backend processes and even if we were focused on just making these margins more efficient, it's not really fundamentally changing how the borrower perceives it. It's changing the financial profile of these businesses. And additionally, a lot of the things that we wanted to do was build trust, and that's a front-facing thing; that's something that you need to be invested in as a business, which a lot of the existing mortgage servicers didn't have that perspective and that view. So, for us, it became more and more of a consumer story versus an enterprise SaaS story where we can say, “Hey, not only can we get this cash flow machine by doing servicing well and build really good software around it, but we can really build a great partnership with the homeowners that are being serviced by us and really build longer-term relationships with them.” So, that's where I think the turning point change from, “Hey, we're doing this out of necessity,” to, “Hey, we're doing this because we think it's the best thing we can be doing for people.”Jason: I love also that because the existing system isn't able to migrate off, their slow and outdated solutions and they're a highly fragmented space, it's effectively a commodity; you can come in, build a whole new tech stack, still put humans against the problem, but undercut on price. But you kind of used that extra cost as a way to broker a relationship directly with the consumer and offer a more expansive and holistic product over decades, which is a fascinating inversion of what the traditional mortgage servicing mantra and MO is. Maybe you can talk to us about how you actually convinced the originators and loan purchasers, mortgage purchasers, to trust you and your new small startup to actually service those loans? Because it feels like a difficult business to really get your foot in the door and get those initial loans through the platform so that you can build that trust with the originators and the loan owners as well.Andrew: To your exact point, it's a business that's extremely difficult to get into, [again 00:27:52], a lot of regulatory scrutiny, there's a lot of requirements to get into the business. And just name a couple here, you need—generally speaking—all 50 states licensed for you to be a quote-unquote, “Scaled servicer.” You need to have what's called agency approval, Fannie and Freddie approval, to be able to service most mortgages in the United States. So, between those different aspects, it's really hard to even get the legal requirements to be involved in this business, let alone get commercial contracts.But the way we approached this was really two-fold. The first part of it is, we were fortunate going into this space knowing that the existing players were so bad and so commoditized that actually, people were willing to work with different servicers. I'll give you a really simple example here: there's a company out there that we partnered with, it was one of our big investors, it's called to NRZ, and they're one of the largest owners of these mortgage assets. They own, like, 7% of the entire market. They own their own servicer, it's called Shellpoint.But even as an owner of that servicer, they don't actually give all of their business to their own business. And that's because they're trying to keep them competitive, that's because they're trying to diversify their risks, but the very fact that they don't give all their business to the entity that they are most financially incentivized to work with gives you a little bit of insight into how everybody thinks about this space, which is, “I'm not married to my vendor. I'm going to work with anybody who seems to be better. And there's a lot of things that are lacking, so you can try to convince me in a variety of different perspectives.” Obviously, if you've increase the bar because you've improved everything, that will no longer be the case, but today as it stands, that's how the ecosystem works.The second part of it, which is we actually went into this knowing that if we need these portfolios, we don't want to just have to convince people, we want to guarantees. So, we actually made sure that the initial investors in this company, the people who would take the benefits and the fruits of the technology that we built are some of the largest players in the space. So, we actually got folks like for example, Soros, NRZ, Jefferies, and a couple of other guys later on, to invest in the company with the belief that, “Hey, if I give you some mortgages to service and you actually are able to improve these margins, our business will be that much better off for it.” In some sense, they view this as, “Hey, this is an outsourced R&D effort. We can't hire good enough technical talent internally; we'll give you guys that through an equity investment, and if you guys win, we also win.”If you think about it as an example, NRZ spends something like, eh, on order of a billion dollars a year on servicing fees. If we can truly save them 10% on it and give that back to them—and let's say we save more than that, but we're just getting ten—well, that's $100 million a year that they're saving. And the way that their investments, or really their fund is really valued, that's a billion dollars of value that was just created. So, that's what's so interesting about this space which is, you have these players who are very incentivized for our success and we just made sure that we went to them very early on and said, “Hey, we're going to get this done. This is a very low risk for you; we're going to ask for a small portfolio, but if you give it to us and we succeed, we can both be big winners at the end of the day.” It's really about incentive alignment.Will: Andrew, I think one of the more profound things that you brought up here is that you're being paid to have a direct relationship with a consumer, a home-owning consumer, and that historically, I think mortgage servicers were happy being collection agents and not thinking about the long-term relationship that they had with the consumer, thinking about themselves as a commodity. How do you think about the relationship that you have with a consumer over the arc of your relationship with them and the types of products and services that you can start to bolt onto that relationship?Andrew: This is a really crucial point for us as a business, which is fundamentally and philosophically different from preexisting and the incumbent mortgage servicers. So today, the way people view this industry is that they view the extraction of value from the consumer as how they are still in business, the way that they generate margin. Meaning if there's a way I can extract an extra dollar from the consumer, for example, if I charge them a fee for making a payment online or for convenience, that's how they are continuing to make profits. Which is a very foreign and crazy concept, obviously, for people who are in venture and tech, et cetera. We take the approach that we want everything that we can do to make the consumer happier.a happier customer and investment towards making their experience better is how we actually make money. Because if you remember, at the outset, we don't actually make money from the consumer directly; we make money from servicing mortgages. And to us, the most efficient way to service the mortgage is a borrower who wants to use our automated products, who trusts us, and who doesn't call us with a lot of difficult questions. So, to do that, you have to really make sure you do everything right for the consumer so they are willing to trust you with that large financial ticket item that is their home. Now, I'll give you a couple of cool examples as to what you can do if you're a mortgage servicer who's really focused this way.So, really simple example; today, a lot of homeowners actually don't even use autopay, and you get a variety of different explanations. One of the really good explanations is that many people actually have lumpy incomes, so they don't really know when they'll get paid. Now, they want to use autopay, but the problem is because they don't know when they'll actually get paid, they need to make sure that they're paying when there's money in their bank. They don't want NSF fees, they don't want overdraft fees. We can use integrations with folks like Plaid to check their bank account and make sure that they have enough funds in their bank account before we pull, basically guarantee to them that you'll never get these type of fees.Now, that increases the convenience for the homeowner and allows them to put themselves on autopay, reduces actually for us the amount of times we have a call to make sure that they remembered to pay, and then overall, it actually results in a situation where we save more money and thus we make more profits at the end of the day. That's a really, really simple example.Another deeper layer you could go for example would be to tell people, “Hey, instead of just paying your mortgage through bill pay or whatever else that you're using, why don't you set up autopay and when you set up autopay will take $1 every time you use autopay and we'll actually pay it towards the next delinquent borrower.” Meaning it's a charitable donation; we're taking money out of our pockets to pay a delinquent borrower. Now, that doesn't seem like a big impact when you just think about the dollar, but when you think about the percentage of people who are current, and then people all do this, we actually can generate enough money that we can donate to delinquent borrowers. It actually reduces our overall delinquency rate and therefore our overall costs as a mortgage servicing company. That's virtually unheard of.Lower delinquency rates look better for agencies, for regulators, for investors, and we can do in a way which really doesn't take any money out of our own pockets, it just reduces costs because we're servicing with a lower friction way, but actually generates a lot of goodwill with the homeowner. Which then leads us into the second part, which is, well, we can actually cause people to stay on our platform because as the servicer, we actually can offer them the lowest rate possible. If you look at a world that we service the mortgage as well as originate, we don't care that much about making money on originations because we own the consumer, we own that relationship. And we know everything about them; we also have most of the information, so it's easily preprocessable. Which means that we can go to the homeowner and say, “You know, you're usually going to try to refinance right now, but I'll give you the best rate because I have zero marketing costs, and I just want to keep working with you.”So, you don't even need to shop with everybody else because I'm going to preload it, I'm going to give you the best rate, and you're going to have a very smooth origination process and servicing process because nothing will move off. So, you get more and more into these type of conversations around, hey, because of our relationship, because of the trust we build, we can offer people more and more products that honestly make them happier, and ultimately that will drive them towards using us more longer-term, which is exactly what we want. And that's what we find so interesting about the mortgage servicing space because while it's not understood this way today, it is the perfect setup to be in a situation where you're really building a long-term financial platform, and the mortgage is that linchpin to getting into that consumers life and really trying to build that trust relationship with them long-term.Jason: I've got to imagine the regulators absolutely love what you're doing. I'm curious if you're thinking through feeding that data loop back into the regulators because I can't imagine the regulation has gone down since a great financial crisis. I'm curious what relationship you have with the government on this front.Andrew: So, our relationship is primarily with the agencies. When you think about regulators, there are regulators who are the state regulators—they manage their own department of financial services in each state—there's obviously the CFPB, and then there's Fannie and Freddie who are called regulators, but really they're investors by and really regulate the mortgage market through their buying of mortgages. But from Fannie and Freddie's perspective, yeah, this is—you hit the nail on the head; this is exactly what they want, this is what they've been seeking for. When you look up on Fanny's website, “Hey, what is a servicer?” They literally write, “Trusted financial advisor.” That's what they want.But nobody does it today, and there's not much that they can do about it. So, from their perspective, they love this outcome where the servicer is thinking about this; they love an outcome where if the homeowner gets a stay with their originator, they have that continuity of relationship; and then they lastly love the outcome where if we are providing this platform on a greater scale, they then don't have to worry as much about the volatility of earnings for originators because they have this blended financial profile. It basically turns in originator from a company that basically has highs and lows based on how much origination is happening to a customer relationship management company. And that is honestly where they want this stuff to go long-term.Jason: And do individual homeowners get any say in the decision on who gets to service their mortgage? Or is it entirely up to the originals?Andrew: Unfortunately, it's buried on page whatever—probably, like, ten—on your closing disclosure, and then later on your mortgage documents, you get put to whoever your mortgage originator wants you to be serviced by.Jason: So, the way you'll… [laugh] coming into a home near you will be through your success with the people who are originating the mortgages and paying for that mortgage servicing contract?Andrew: Today, that is the case, but in very short order, by the end of the year, you can get a Valon mortgage. And when you're with Valon, you stay with Valon. We won't sell your mortgage, we'll keep your mortgage on our platform, and we'll build that long-term trust-based relationship with you.Jason: Tell us more about that.Andrew: Yeah, so we—I mean, we would love for a world—and this is something, by the way, plenty of people have gripes about where they want to be able to have a mortgage that they transfer the servicing based on their own discretion, based on who they want to work with, but that's a longer-term conversation, that's a highly regulator-based conversation. So, it's something that's not going to happen tomorrow. The easiest way that we can become partners with people who actually want to work with Valon is that we offer them a highly competitive mortgage. Again, the fact of the matter is, we don't need to make money off of mortgage origination; we make money off of having the consumer stay with us. So, we'll be happy to offer them possibly the lowest rates that they can get.So, when they come to Valon, they can get their mortgage refinanced, or if they're getting a new mortgage, they can just get a mortgage from Valon, and then thereafter, they'll continue to stay with Valon. There'll be serviced by Valon, when rates drop, we'll just be proactive and we'll preempt any sort of refinance that they want to do. They can log onto our webpage, they can log onto their app, and they will exactly know how much they can refinance it for, what the costs are, all those different things. But again, the nice part here is because we don't really need to make money on originations, like a Quicken, like a [loanDepot 00:40:13], or any of these other players out there—even Better Mortgage—they know that we have an incentive just to keep them on a platform and we can offer that lowest rate. And we can do that. So, that's what's so unique about it which is, you get that relationship, you get that great service, but you also get really priced competitive results, which we believe ultimately will build longer-term trust.Jason: I mean, it's an amazing and powerful refocus where you've effectively created alignment with all the major players in such a way that's made it difficult for any other competitors to compete with you. It's a pretty [laugh] amazing approach to the market that you've developed here. What gets you most excited about the future? Like wh—you know, obviously, you've got origination coming up; you know, in five, ten years, if you're massively successful, what's the impact you've had on the US economy and the US mortgage space?Andrew: So, there's obviously elements where we're helping consumers, right, so we can reduce the delinquencies in the system, like I mentioned, through different mechanisms. We offer people really cheaper financial products, which we believe they deserve, but I think the long-term most impactful thing is that we can provide, really, researchers as well as government regulators the right tools to make the right decisions. When you think about what basically happened recently with COVID, now the government went about and offered everybody forbearance, which is extremely expensive for both players in the industry as well as the government, but they don't really have a good way to address the crisis at hand. So, they used the very blunt-edged solution to it. As the platform that hopefully ends up winning the market, we can provide that information to the government; we can provide that implementation to them.So, they can be much more, with a sharp knife and really a small pencil, start to draw exactly what they want to end up happening. So, instead of giving a forbearance for every single person—which is what happened; they said, “You didn't have to pay a mortgage for nine months, twelve months,” instead of giving a forbearance to every person out there, you could say, “Let me check your bank account. Let me see that you're actually running into a crisis. And if you are, actually I will give you even longer. I will give you 18 months, I will give you until you figure out what to do next.”And for the people who didn't actually have a crisis, we're not going to give it to you. So, you actually can help the right people in this sort of situation. Alternatively, you might have a situation where the government wants to test a different modification program. Usually, it gets into a large argument about does this work; does it not work? There's not much data out there.But with a technological platform like us, you can actually go as far as to say, let's actually A/B test these results. If the government buys-in will test it with [unintelligible 00:42:54] portfolios, and we'll report these results. So, this is kind of where we believe government policy and really, American policy around housing can be really shaped if you had the right system and the right sort of infrastructure. So, while we are very focused on trying to build that long-term vision and build out a trust relationship with homeowners across the United States, we believe the longer-term impacts of doing something like this really come from the fact that we can leverage this infrastructure to help so many different people.Will: Aside from going deeper in the value chain on the mortgage lifecycle, are their orthogonal products—I know before we jumped on the call, we were sort of talking about insurance a little bit—are there other orthogonal products that are correlated to homeowners that from a product standpoint that you see Valon being able to bolt on to the platform over time?Andrew: I think the big new products that we'll be focused on outside of insurance as an example that we talked about where offering property insurance is a very natural next step, which we're already going to look to do by the end of this year is actually getting into things like for example, credit card debt consolidation. So, it's a very well-known thing that people when they get credit card debt sometimes want to refinance it with a HELOC because it's cheaper to pay a HELOC than a credit card. Now, that's not a very simple process today because getting a HELOC is a painful thing because you have to work with the servicer or you have to work with a HELOC originator. So, making it really easy where someone who has credit card debt, move it quickly over to their HELOC and pay less interest is obviously a quick next step. But that really actually speaks a lot more towards long-term financial management because again, we are dealing with such a large purchase and a large component of their daily—their monthly cash flows.So, as we look to what we do going forward, there probably will be a lot more around financial literacy, financial advisory, around all these different components. And if we can build that trust really leading the homeowner to make these right decisions and being able to forecast for them different outcomes based on what they want to do. So, I'd say that's probably the direction we'll ultimately take with this business. We need some time to work on all the different sort of initiatives that we have, but we're really hopeful that we can really make a difference here.Will: Andrew, congratulations. This is an unbelievably badass business and a very, very boring, esoteric industry that you are transforming. We really, really appreciate you taking the time to hang with us today and to give our listeners a look inside the mortgage servicing industry.Andrew: I appreciate it. Thanks for letting me talk. I went on a very, very long rant.Will: Thank you for listening to Perfectly Boring. You can keep up the latest on the podcast at perfectlyboring.com, and follow us on Apple, Spotify, or wherever you listen to podcasts. We'll see you next time.

I was joined by prominent NFT journalist Andrew Wang and we discussed: - Childhood Andrew - Boarding School - Running - College in LA - Moving to Columbia - Getting in the NFT space - Dropping out - Fear - Talking to his parents around his decision to focus on NFTs - Why second place isn't so bad? Find Andrew here. --- Send in a voice message: https://anchor.fm/nfteach/message

Back after a day off - lots of stuff happening during the break! Cometeer: https://t.co/ggmp0EahGj?amp=1My Twitter: https://twitter.com/hunterorrell My Discord: https://discord.gg/5c7B35KfHB Podcast: https://anchor.fm/hunterorrell My YouTube: https://www.youtube.com/user/HunterOrrell -- (0:00) Good Morning! (1:39) Security!! $500k in BAYC STOLEN (4:35) 5555 Sneak Peek (5:20) BIG Purchases - $1M BAYC Sale & Flip (6:50) PUNKS Comic (9:05) Young & Sick 0n1 Force Derivative (10:07) Budweiser x Tom Sachs Rocket Factory (11:35) Andrew Wang & tropoFarmer QUIT Day Jobs (13:37) BAYC MUTANTS!! SATURDAY!! (16:43) Mooncats 75 ETH Sale + other big sales (17:41) Farokh “The Great Transition” (19:02) VeeFriends PLP Update (21:43) NFT Market Update (36:57) Crypto Market Update -- Andrew: https://twitter.com/andrwwang/status/1429921140768661504 Tropo: https://twitter.com/tropoFarmer/status/1430598260280987652 Veefriends Project: https://blog.veefriends.com/2021/08/25/plp-airdrop-dates-the-first-plp-project/

Book NotesAdam Recommends Flamer by Mike Curato Ever After by Olivia Vieweg Michael Recommends The Troop by Nick Cutter The Night Will Find Us by Matthew Lyons Carrie Recommends The Wangs vs. the World by Jade Chang Professor Chandra Follows His Bliss by Rajeev Balasubramanyam Bite Notes Tasty Campfire Apples in Tinfoil contain the best parts of a flame. Find the recipe in Camp Cooking by the National Museum of Forest Service History. Next time you're in the backyard around a campfire, enjoy a twist on an all-time favorite, a S'more's Milk Shake, a recipe from tasteofhome.com. If, like Andrew Wang, eating fried rice is one of your favorite pastimes, try the recipe in Chinese Soul Food by Hsiao-Ching Chou.

In this episode, Dr. Andrew Wang, Dr. Kin Man Au, and Dr. Roland Tisch from the University of North Carolina join us to discuss their recent work, including the recent publication, "Immune Checkpoint-Bioengineered Beta Cell Vaccine Reverses Early-Onset Type 1 Diabetes".    Full paper link: https://onlinelibrary.wiley.com/doi/epdf/10.1002/adma.202101253   This episode is in our Ask the Expert style:  Ask the Expert is a ~30 minute digital cafe experience where scientists and grad students can meet and exchange with thought leaders in the field of type 1 diabetes. Link below to sign up for a seat in the cafe! https://thesugarscience.org/ask-the-expert/

On this episode we talk about his childhood,college and what he is doing now with his Too Ten Personal Finance Podcast inspiredmoney.fm and his business if you are looking into investing https://www.facebook.com/runnymedecap/ Thank you to our sponsors at www.csdhardscapes.com

We see, empathize with, and support our Asian & Pacific Islander brothers, sisters, and non-binary friends. We each shoulder the responsibility as human beings to collectively stand against hate in any community, just for existing.   For this reason, we wanted to have a very timely conversation with the Asian American Pacific Islander Community across all generational groups about their feelings, their thoughts, and their experiences concerning the current violence being inflicted upon Asian Americans in the United States. Our guests today Claire Tse is a Senior Principal Consultant with Jennifer Brown Consulting, Owner and Founder and Racial Justice, DEI Innovator with Tse Solutions. Bonnie Sussman is a Certified Public Accountant and a Partner at EisnerAmper. Tommey Liang is a Career Services Program Manager at Embry Riddle Aeronautical University with a Master's Degree in Educational Leadership, and Andrew Wang is a writer and journalist living in New York City and a current research analyst to Atlantic writer Vann Newkirk. In this episode, you'll hear a Chinese American Boomer, Gen Xer, Millennial and Gen Zer talk about:  How they and their families and friends are processing and coping during this time Being “othered” and essentially after thought The cultural norms passed down from generation to generation They advice for API Gen Z and Millennials on navigating important conversations with their elders about the need to vocalize and 'stand up' Share some advice on what allying and advocating for the API community could look like right now Additional Resources Mentioned: Hollaback! Together We Have the Power to End Harassment (ihollaback.org) #HATEISAVIRUS

Andrew Wang says that the semiconductors sector has good visibility as lead times extend to 12-50 weeks and point to upside demand. He also examines the Taiwan Semiconductor (TSM) stock that reported earnings of $0.96 in EPS and $12.92B in revenue.

 ***ENCORE EPISODE *** Andrew Wang shares the time he and his wife decided to adopt a child overseas. He shares the financial and emotional journey they went through, including  why him and his wife decided to adopt overseas, how much time and money he spent through the entire process and challenges he didn’t anticipate.Stick around to the end where I’m going to distill some takeaways from our conversation, including resources and questions to ask yourself before seeking an adoption agency.For more information (including resources mentioned), go to http://beyondthedollar.co/58

Alaza Flores, Andrew Wang and author Shamus Khan discuss Durkheim, Marx and introductory sociological concepts.

On this episode of iPullRank's Rankable Podcast, Jarrett Thomas hosts Andrew Wang, CEO at Spread, to discuss the topic "Challenging the Norms of a Competitive Industry."

Welcome back to Life With Lam! Thank you for taking the time out of your day to listen to this podcast, I hope you enjoy XOXO Joining me in this episode is Andrew Wang, the External VP of the Executive Team at 'DSA Deakin'. Also known as the 'Deakin Society of Asian Australians', Andrew speaks about the university social club's triumphs and hardships during what was one of the most difficult years. An insightful conversation to the politics surrounding university clubs and competitions, I thoroughly enjoyed this chat and it provided me with perspective to what's to come! Thank you Andrew for hopping into the studio, I hope you listeners can sit back and enjoy the latest episode as much as I did! DSA's Socials: Facebook - https://www.facebook.com/dsa.deakin Instagram - https://www.instagram.com/dsa.deakin/ Remember if you enjoyed the episode, please don't forget to follow Life With Lam and leave a review. Contact me via these handles if you want to collaborate or be a part of the family! Instagram - https://www.instagram.com/lifewithlampodcast/ Facebook - https://www.facebook.com/lifewithlampodcast Email - lifewithlampodcast@gmail.com

Do you have a healthy relationship with money? What's your money mindset: scarce or abundant? How to invest as entrepreneurs and small business owners? This episode on Classroom Without Walls is all about money. And I have the best guest come to join my interview and to discuss the money mindset to prosperity, abundance, and fulfillment Andrew Wang is the host of Inspired Money, which is a Forbes Top 10 Personal Finance Podcast Andrew is a seasoned adviser. He has appeared on Reuters TV, Barron's, and Forbes. ----- QUESTIONS TO DISCUSS ➡️ Commonly held misperceptions when it comes to money + finance ➡️ How to overcome our self-limiting beliefs when it comes to money? ➡️ Why are we so uncomfortable with talking about money? ➡️ Investment tips for entrepreneurs and small business owners ➡️ Tools and resources to cultivate our financial intelligence AND SO MUCH MORE ---- You can watch our interview on my YouTube channel via this link. ---- Give this episode a listen and give your biggest takeaway by sharing this on Twitter, Instagram, or LinkedIn. Make sure to tag me @AiAddysonZhang and use my hashtag, #ClassroomWithoutWalls --- Do you know that this podcast is also a weekly live streaming show? Every Wednesday, at 2pm PST | 5pm EST, my guest and I go live on LinkedIn, Facebook, Twitter, YouTube, and Twitch to deliver valuable content to you. I highly encourage you to join us live and ask your questions. You will get immediate answers! You can follow my other social media channels: LinkedIn | Instagram | Facebook ---

Nominate your show -- or your favorite podcast -- for a Golden Crane Podcasting Award this month! AAP's first annual award show is sponsored by Podbean and Listen Notes. Your hosts Andrew Wang and Lee Uehara also cover some new and standard audio equipment for podcasters.They also share "You Know You're a Podcaster When..."- Bad audio annoys you- You've recorded under a blanket or in a closet -- or both!- You know what a double-ender isBut please do nominate your show and share AAP's Golden Crane Podcasting Awards submissions with your network. The deadline is December 9th. To Enter ==> http://www.aapodcasters.org.Upcoming Stuff:- AAP's Girls Night Out: Tuesday, December 8th at 6:00pm (PST)/ 9:00pm (EST) -- inside the FB group. http://www.facebook.com/groups/aapodcasters.- AAP's Monthly Meetup: Saturday, December 12th at 8:00am (PST)/ 11:00am (EST) -- inside the FB group. http://www.facebook.com/groups/aapodcasters.AAP Gear Talk:- The interface from Focusrite, the Solo- The new microphone from Shure, the MV 7AAP Member Shout-Outs:Alice Chen, Happy Asian WomanTri Vo, Green Card VoicesMayly Tao, Short and Sweet - A Donut Princess PodcastJen Sargent, COO of Wondery, for giving a talk to WOCP/AAP/Podthon RTS, "Marketing and Monetizing Your Podcast's Archives."This episode is produced by Joe Hawthorne.AAP's Never-Ending Call for Volunteers- Help with the AAP Blog- Submit original articles- Submit fun photos for the website and FB groupFor more information: http://www.aapodcasters.org, Email: info@aapodcasters.org, Social Media: @aapodcasters / #aapodcastersIf you're not a member yet (it's free): http://www.facebook.com/groups/aapodcasters/. 

Hosts Drs. Matt Whitson and CS Tse speak to the authors of the AGA Clinical Practice Update on the Management of Pancreatic Necrosis. As pioneering experts in this space, Drs. Todd Baron and Andrew Wang share best practice advice to equip you to be an influential part of the multidisciplinary care team for patients with pancreatic necrosis.

Join your hosts Andrew Wang and Lee Uehara as they share their findings on an informal microphone survey, a self-publishing for podcasters workshop, AAP Ramen Night, member shout-outs, and upcoming events in the industry.Short Reviews:- Self-Publishing with Dale L. Roberts through Podthon's Round Table Series, a joint effort with WOCP (Women of Color Podcasters) - Podfest Global Summit - continued- The Podcast AcademyUpcoming Stuff:- AAP Laksa & Dumpling Night on Saturday, October 3rd at 5:30PM (PST)/8:30PM (EST).- International Podcast Day (IPD), September 30th- Podfest Masterclass Virtual, September 28-Oct 2- Outlier Podcast Festival, September 17-18- Podcast Movement Virtual (PMV), October 19-29AAP Gear Talk:- Andrew posted a survey about microphones in the Facebook group. - Find out what the top five mics people use are!- The Mic Room at B&H Photo Video in NYC.- The top five microphonesAAP Member Shout-Outs:Lukas Eggen, LAN PartiesJoon Han, Awesome GuestsSarah Li-Cain - speaking at PMVRock Lalvani - speaking at PMVJessica Nguyen - speaking at PMVSheena Yap Chan - reached 1 million downloadsNorman Chella - speaking at IPDTracey Nguyen Mang - speaking at IPDAAP's Never-Ending Call for Volunteers- Help with the AAP Blog- Submit original articles- Submit fun photos for the website and FB groupFor more information: http://www.aapodcasters.org, Email: info@aapodcasters.org, Social Media: @aapodcasters / #aapodcastersIf you're not a member yet: http://www.facebook.com/groups/aapodcasters/. 

Join your hosts Andrew Wang and Lee Uehara as they share what AAP has been up to since May. Also co-hosting this episode is AAP member Dori Wong of the Let's Have This Conversation podcast, about second-generation Chinese American women.Short Reviews:Podthon.com, our virtual conference highlighting podcaster-speakers of colorPodfest Global Summit - an attempt to break the world recordImproving Podcast Production with Danny Ozment of Emerald City ProductionsUpcoming Stuff:AAP Ramen Night on Sunday, September 6thPodcast Movement VirtualPodfest Masterclass VirtualAAP Gear Talk:Zoom P4, the smaller answer to the Rodecaster ProC922 HD ProStream webcam from LogitechAAP Member Shout-Outs:Godwin Chan, Digital IntrovertsPriyanka Komala, Curryup Start UpSuchandrika Chakrabarti, Freelance PodNatalie Cheung, Yellow Bee PodAAP Call for VolunteersHelp with the AAP BlogSubmit original articlesSubmit fun photos for the website and FB groupFor more information: http://www.aapodcasters.org, Email: info@aapodcasters.com, Social Media: @aapodcasters / #aapodcastersIf you're not a member yet: http://www.facebook.com/groups/aapodcasters/. 

Andy Wang is a Managing Partner at Runnymede Capital Management and host of Inspired Money, named by Forbes as a Top 10 Personal Finance Podcast. He has been named among the INVESTOPEDIA 100: Most Influential Advisors, Top 100 Most Social Financial Advisors by Brightscope, and has appeared on Reuters TV, Barron's, and Forbes. Runnymede is a fee-only registered investment adviser (RIA) to companies, 401(k) plans, non-profits, and individuals. Andy is co-founder of the Asian American Podcasters Association and runs PodcastGym.com, a website/blog that helps podcasters. Andy is married, has three children, and can be periodically found performing Hawaiian guitar in the New York tri-state area.   Let’s vibe on social media Instagram | Facebook | LinkedIn   For more info on the host, visit, http://donutprincessla.com/ and follow Mayly on Instagram @maylytao! Want a chance to win a $20 DK's Donuts Gift Card?   Click Here to leave a review on Apple Podcasts Take a screenshot of your review! Email your screenshot to hello@donutprincessla.com

The subtitle for this podcast should be All You Wanted to Know About Mortgage Servicing But Were Afraid to Ask.Our guest is Andrew Wang, CEO of Peach Street, a new approach to mortgage servicing that just may be exactly what many credit unions want.Most mortgages are passed off to third party servicers for two reasons. The servicers know the government regs and how to comply and they also are skilled at cutting costs.Most see mortgage servicing as commoditized and the only difference between companies is price.Enter Peach Street which puts a focus on consumer experience, customer experience, and technology.Lost at many mortgage servicers is interest in the consumer experience, if only because the servicer's customer is the financial institution that owns the paper.Peach Street wants to win by offering a new model where experiences matter.A lot of what the consumer needs will be delivered via self service online - but in most surveys that approach lowers consumer friction."This is about a 30 year relationship," said Wang, who adds that, done right, mortgage servicing can become a vehicle where the financial institution cross sells products to a happy consumer."Mortgage servicers should think of themselves less as a collection agency and more as a financial adviser," said Wang.Along the way, Wang tells how Peach Tree has ended NSF fees for its consumers and also its innovative thinking about how to handle foreclosure in a way that benefits the homeowner, the lender and the community.See what we meant: this is all you waned to know about mortgage servicers and didn't know to ask.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

http://www.youtube.com/watch?v=aBpYda-MpEw Embracing creativity because podcasting has no rules with Andrew Wang! Andrew Wand and Super Joe Pardo talk about embracing your inner creativity when crafting your podcast format. Connect with Andrew Wang http://www.runnymede.com/inspired-money/ Connect with Super Joe Pardo SuperJoePardo.com   Join our facebook group: IndiePodCon.com/group Register today and get 10% off your Indie Pod Con 2020 ticket with offer code: ipp Shop for your favorite podcaster swag: IndiePodCon.com/shop Episode 64

In Season 2, Episode 3, your hosts Andrew Wang and Lee discuss the increase in podcast shows as well as the current trend in listening and downloads. Below, you'll find other topics Andy and Lee covered in this episode.Volunteer for AAP:AAP is looking for social media volunteers to handle its social media and blog. Please do reach out to us info@aapodcasters.com.AAP Shout-Out:AAP member Teri Yuan of the en(gendered) podcast. She’s helping us with the blog and editing episodes. Teri also gave a talk at Podcast Movement Evolutions in February. She's on fire!AAP Show DirectoryMake sure your show is listed in the AAP Directory. Click here!AAP Speaker DatabaseIf you're a speaker and have a niche topic of expertise, sign up to be listed in our speaker database. We do get inquiries and we would love to refer people versus sending folks away. Click here!AAP Member Highlight Dorinda Wong and Cherie: their podcast is Let’s Have This Conversation, is about 2nd generation Chinese-American women sharing their life experiences. To be highlighted, join AAP!Just click on the link below. If you have good news, let us know so we can tag you and share it!AAP's 2nd Annual Podcasting ConferencePODTHON.com: AAP's annual podcasting conference - a joint venture with WOCP (Women of Color Podcasters) is on Saturday/Sunday on July 18-19, 2020 Speaker Submissions are due May 22, 2020 11:59PM EST. Tickets are $37.50 for the live conference, and $75 for the All-Access Pass.Contact & Join AAPJoin the Asian American Podcasters Association to get access to AAP Impact Calls, to be listed in AAP's Podcast Directory and other great content.Let us know your good news, questions, comments at @aapodcasters across all social media channels.You can reach out to Asian American Podcasters Association in the following ways:www.AAPodcasters.com/join/Twitter: Click ==> @aapodcastersInstagram: Click ==> @aapodcastersEmail: info @ aapodcasters.comClick HERE for the AAP Podcast Directory.

Do you have subscribe buttons on your website? Which ones should you include? Which ones are being used?  Ray Ortega, Daniel J. Lewis, Dave Jackson, Suzy Buttress, and Andrew Wang to chat about getting more subscribers, networking with your podcast peers, podcast industry tensions and more. You can subscribe to the episode mailing list to get new Rounds delivered to your inbox automatically. Sign up, if you'd like to appear on a future Round. Thanks and I can't wait to see you at the Roundtable!

In this episode, I had an amazing chat with Andrew Wang of the Inspired Money podcast, which is a Forbes Top 10 Personal Finance Podcast (whew!). While he's not working on the show, Andrew, or Andy (whichever works!), is also a Financial Advisor and the Managing Partner of Runnymede Capital Management based in New Jersey. While he's not running the business, he's interviewing actors, entrepreneurs, non-profit leaders and even a former WWE wrestler to help you get inspired and shift your mindset on money. Really powerful stuff! He is also Co-Founder of the Asian American Podcasters Association, aimed to showcase the voices of Asian-Americans involved in the podcasting industry, so if you're interested, do check them out! We talked about: How Andy started his show, going from a listener to a creator The mission behind the Asian American Podcasters Association The need to highlight Asian voices all around the world Also, how did he get his Hawaiian name? Awesome chatting with you Andy! :) Links (http://www.runnymede.com/inspired-money/) (https://www.podchaser.com/podcasts/inspired-money-552543) (https://www.podchaser.com/creators/andy-wang-107ZzkGXNQ) (http://www.aapodcasters.com/) (https://www.podchaser.com/podcasts/asian-american-podcasters-podc-857295) (http://www.runnymede.com/) (http://blog.runnymede.com/buylocalnj) (http://www.andywangmusic.com/bio/) Support this podcast

Welcome back to On Air Brands LIVE! In this episode our guest is Andrew Wang. He is the host of the hit podcast “Inspired Money” and a partner in his family's business, Runnymede Capital Management, Inc. Josh Cary and Lisa Candella Hulbert had an in-depth conversation with Andy, with a refreshing perspective on this life we all live. Some of the best points from this show include; -The difference between sales skills and operations skills -Why life is a theatre and we’re all actors -The reason a theatre career may benefit you more than that Ivy League business degree. -Overcoming your own insecurities to execute to the best of your ability. As well as MUCH more! Make sure to tune in to On Air Brands LIVE! Every Wednesday at 11:00am EST on Facebook for more of these great interviews live! --- Send in a voice message: https://anchor.fm/onairbrands/message

Today I call a list of numbers on Twitter that was compiled by MustBeTheMeds. I get to impersonate Melania Trump, Andrew Wang, John…

Today I call a list of numbers on Twitter that was compiled by MustBeTheMeds. I get to impersonate Melania Trump, Andrew Wang, John…

Celebrating 3 Years of the Richer Soul Podcast with Andy Wang   My friend Andrew Wang joins to interview me for the three year anniversary of the Richer Soul Podcast!   We discuss my journey so far with Richer Soul, retiring from the corporate world, and the mindsets and tools I've used to create the life of my dreams.   Check out my earlier interview with Andy here- http://richersoul.com/ep-0049-inspired-money-andy-wang/   Takeaway: Implement processes to get more efficient, get clarity of vision, and join a mastermind!   Action Step: Work on a plan for 2020 with a goal of getting clarity of vision.   Bio: Andrew is a managing partner at Runnymede Capital Management. He’s been named one of the top 100 Most Social Financial Advisors. He also contributes to the Huffington Post and has been quoted in major investment publications including Barrens and Forbes, He also has a podcast called Inspired Money http://www.runnymede.com/ “I’m on a mission to better myself + those around me.”   You can hear Andy’s show Inspired Money at  http://www.runnymede.com/podcasts/   Highlights from this episode: Episode page   ⦁ The beginnings of Richer Soul ⦁ Switching from saying "Balance" to "Harmony" ⦁ Ikigai: what you love to do, are good at doing, and fills a market need ⦁ Accepting uncertainty ⦁ Retiring from the corporate world ⦁ Coaching Profit First ⦁ Making investments vs figuring it out for yourself ⦁ Mastermind groups ⦁ Clarity of vision ⦁ Exploring new ways to look at life ⦁ All the work behind "overnight success" ⦁ The future of Richer Soul   Richer Soul Life Beyond Money. You got rich, now what? Let’s talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let’s figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It’s about personal freedom!   Thanks for listening!   Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com     Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Andrew Wang was the big surprise ... wow is he up to date with the times, both evidence, opinions, and facts. Tom Sayer, the Green candidate, needs to get up to date on the nuclear reactors ... very necessary if we are going to be serious about climate change. Biden, sorry, I don't like your son getting rich on your fame. Bernie is just lovable Bernie. Warren, you are not answering questions ... your hedging. Klobuchar voted present on impeachment, perhaps she is running for Republican VP. Pete is good, but he got in some petty fights with Elizabeth. --- Send in a voice message: https://anchor.fm/wileyfoxes/message

This week we take a break from our regular programming to share an episode of Sarah Li-Cain's Beyond the Dollar featuring Andy Wang as a guest. About this episode Starting a family is hard enough – you need to think about stuff like additional health care premiums, parental leave and buying all the things like pregnancy pillows (those things are lifesavers). Andrew Wang and his wife decided to adopt a child overseas. While it’s about the money — yes, adoption can be expensive — it was about the emotional toll it can take on someone. Andrew comes on the show to chat about why him and his wife decided to adopt overseas, how much time and money he spent through the entire process and challenges he didn’t anticipate. Stick around to the end where I’m going to distill some takeaways from our conversation, including resources and questions to ask yourself before seeking an adoption agency. What You Hear in This Episode: The exact reason why Andrew and his wife decided to adopt overseas What it cost to adopt their child from Taiwan How they found out how the adoption process worked and the types of help available The emotional rollercoaster he and his wife went on when it came to the wait What it felt like to hold his baby girl for the first time Questions to Ponder: Are you looking to adopt domestically or overseas? Why? Do you have money set aside to adopt? If not, what kinds of grants are available to you? Show notes: http://www.inspiredmoney.fm/beyond-the-dollar Thanks for Listening! To share your thoughts: Leave a note in the comment section below. Share this show on Twitter or Facebook. Join us at the Inspired Money Makers groups at facebook and LinkedIn To help out the show: Leave an honest review on Apple Podcasts. Your ratings and reviews really help, and I read each one. Email me your address, and I'll mail you an autographed copy of Kimo West and Ken Emerson's CD, Slackers in Paradise. Subscribe on Apple Podcasts.

In Episode 84, your host, Lee Uehara, finally reviews the book, The Alter Ego Effect: The Power of Secret Identities to Transform Your Life by Todd Herman. You'll learn some tips to become more confident and powerful as well as get Lee's take on the read. While on the subject of books, Lee picked up a copy of a new one: Start Ugly: A Timeless Tale About Innovation and Change, by Chris Krimitsos. If you're an entrepreneur, then this is going to be a fun and informative read. Lee is almost done with it! Krimitsos is the founder of www.PodfestExpo.com. Full Disclosure: Lee will attend Podfest in Orlando, FL on March 6-8th, and knows Krimitsos. So hey, why not help out authors we know, eh? Lee mentions that she and her buddy, Andrew Wang, represented the Asian American Podcasts Association and gave a talk at the Asian American Alliance for the Arts, "Why Start a Podcast as an Asian American: A How-To and Q & A Session." If you'd like Lee to give a talk for your organization, please reach out to her at lee @ wleefm.com. Have you ever woken up and thought, "I want to have a breakfast adventure today!" ? Lee did. Thus, the House of Life NYC Hot Spot in Town for this episode is Cafe Fiorello at 1900 Broadway (at West 64th-ish), New York, NY 10023. Listen in and find out what the server never brought to the table - and how those fluffy pancakes were. If you or someone you know can help Lee with the social media aspect of the show, please do reach out. Lessons Learned (from Cafe Fiorello): 1. Ask for what you want to avoid resentment later. 2. Always tell an establishment if it's your first time trying it out. In this jam-packed update-of-an-episode, Lee shares her short stint on Bummer Road. Have you been there? Reach out and share your experience! Connect with Lee! Finally, if you would love to hire Lee to: A). Host/Emcee your event - or record a live show at your function OR B). Photograph your business event or take care of your speaker photo needs Please reach out to her for availability and portfolio viewing: lee@wleefm.com  or via phone at (212) 655-9840. And, as always, thank you so much for listening. Would you please share the show with at least two other people and show them how to subscribe. (Thank you!) What tips or guests would you like to hear about or from next season? If you've wondered how to support Lee and the show, why not treat her to a cup of coffee - or a salad! Click here to support the show : ) The House of Lee NYC, a division of WLEE Media, LLC, is available at Apple Casts/iTunes, Spotify, Google Play, Stitcher and your favorite podcast app. (Lee is working on the issue with iHeart Radio.) Leave your comments and questions via voice for Lee at www.HouseOfLeeNYC.com - or call or email Lee at: lee @ wleefm.com or (212) 6 5 5 - 9 8 4 0. Lee can also be found on Facebook, Twitter and Instagram.

#58: Starting a family is hard enough - you need to think about stuff like additional health care premiums, parental leave and buying all the things like pregnancy pillows (those things are lifesavers). Andrew Wang and his wife decided to adopt a child overseas. While it’s about the money — yes, adoption can be expensive — it was about the emotional toll it can take on someone. Andrew comes on the show to chat about why him and his wife decided to adopt overseas, how much time and money he spent through the entire process and challenges he didn’t anticipate. Stick around to the end where I’m going to distill some takeaways from our conversation, including resources and questions to ask yourself before seeking an adoption agency.   For more information (including resources mentioned), go to http://beyondthedollar.co/58

In Episode 11, hosts Andrew Wang and Lee Uehara catch up with each other and talk about She Podcasts Live, current Member news, and Podfest 2020 and much, much more.Andy asks Lee about She Podcasts Live, the first all women's independent podcasting conference produced by Jessica Kupferman and Elsie Escobar from She Podcasts. Lee shares some differences about SPL versus other podcasting conferences, including the manicure bar at Stitcher.Then Andy and Lee share good news about the following AAP members:- Kristin Meinzer's keynote at She Podcasts Live, Your Voice is a Gift. She also is the author of the new book, So You Wanna Start a Podcast.- Wendy Kim's launch of her book's edition in softcover, Beyond Blending In: An Immigrant Daughter’s Guide to Overcoming Cultural Bonds for a Life of Authenticity and Abundance.- Sharmane Johnson, Militantly Mixed podcast, was on Fox Soul’s Mike and Donny Show on West Coast- Raven Lim and Ling Ling Tai's Asia Podcast Summit- Ken Fong's success as a finalist for the Local Heroes Award from NPR. His podcast is Asian America PodcastOther Topics:- The Outlier Podcast Festival is accepting speaker submissions - click HERE.- AAP's Gear Talk: Zoom Live 8 vs Rodecaster Pro - which do you use? Let us know and reach out at @aapodcasters. - Welcome to new and good-standing AAP members who Lee met in person at SPL: Joon Han, Kristy Oshita, Neetal Parekh Rahul Bali, Christine Lan Sarah Li-Cain and Kimyung Kim.- Andy and Lee will give a podcasting talk at the Asian American Alliance for the Arts on November 13th: in Brooklyn, NYC.- If you can host an AAP meetup in your corner of the world, let Andy and Lee!Finally, Andy and Lee share that AAP is attending Podfest, March 6-8, 2020 in Orlando, Florida. Use the promo code “AAP” to save $50. The code is good for about 30 days. Podfest owner, Chris Kritmitso, is providing AAP with a room for an official meet-up. So join us IRL! Incidentally, Chris Kritmitsos's first printing of his new book, Start Ugly, has sold out on Amazon!With all this talk about people writing books, Lee tells listeners that they, too, can write a book!You, too, can write a book. Absolutely! You, too, can be an author!Join the Asian American Podcasters Association to get access to AAP Impact Calls, to be listed in AAP's Podcast Directory and other great content.Mentions:- AsiaPodcastSummit.com- Asian American Arts Alliance, 20 Jay Street, Suite 740, Brooklyn, NY 11201, (212) 941-9208.- Podfest- Podcast Movement- She Podcasts LiveLet us know your good news, questions, comments and what you were for Halloween @aapodcasters across all social media channels.You can reach out to Asian American Podcasters Association in the following ways:www.AAPodcasters.com/join/Social Media: @aapodcastersEmail: info @ aapodcasters.comClick HERE for the AAP Podcast Directory. 

In Episode 10, Andrew Wang and Lee Uehara talk about some great podcasting events such as Podfest, Podcast Movement, Podthon.com, SoundEducation at Harvard - and the upcoming, inaugural, sold-out She Podcasts Live in Atlanta on October 11-13, 2019.International Podcast Day was on September 30th, and both Andy and Lee represented with a talk on, surprise, recording on location and how that can help grow your audience and guest list.Andy and Lee also share that they're giving a talk about podcasting in November at the Asian American Alliance for the Arts. Once the link is live, it'll be posted.Lee will lead a panel discussion at She Podcasts Live, "What's in Your Purse?: Tools and Tips to Build a ROck-Solid Community.And, AAP members Raven Lim and Ling Ling Tai in Singapore have created Asia's first podcasting summit, Asia Podcast Summit, and Asia's Podcast Awards. Congratulations, Raven and Ling Ling!Which do you use? Does either bother you? Let us know and reach out at @aapodcasters. Join the Asian American Podcasters Association to get access to AAP Impact Calls, to be listed in AAP's Podcast Directory and other great content.Mentions:- AsiaPodcastSummit.com- Asian American Arts Alliance, 20 Jay Street, Suite 740, Brooklyn, NY 11201, (212) 941-9208.- DC Podfest- International Podcast Day, September 30th every year- Podfest- Podcast Movement- She Podcasts Live- SoundEducation at HarvardAre we missing any others? Let us know: @aapodcasters.You can reach out to Asian American Podcasters Association in the following ways:www.AAPodcasters.com/join/Social Media: @aapodcastersEmail: info @ aapodcasters.comClick HERE for the AAP Podcast Directory. 

In Episode 83, your host, Lee Uehara, comes out of summer hibernation and runs into Dan Currier of Creator Fundamentals. Dan shares some basic tips for starting a YouTube channel and tells Lee whether it's too late to start one. Listen in to find out what you should know about green screens as well. Lee also mentions that listeners now have an extension for completing those two books for summer reading she mentioned before the summer break: The Library Book by Susan McClean and The Alter Ego Effect: The Power of Secret Identities to Transform Your Life by Todd Herman. Be prepared for next week! Dan Currier also shares his favorite hot spot in New York City: Citifield, home to the New York Mets baseball team. He also gives a shout-out to Dan Norton of the NYC Video Mastermind Meetup, which is where Lee met Dan. Did you know that September 30th is International Podcast Day? AND, you can catch Lee giving a LIVE presentation on recording a podcast or interview while on location and how that can help grow your audience and guest list. Just visit InternationalPodcastDay.com/live at 10:00PM (EST) to 11:00PM (EST). You'll find Lee and her buddy, Andrew Wang there representing the Asian American Podcasts Association. Please share the show with at least two other people and show them how to subscribe. (Thank you!) What tips or guests would you like to hear about or from next season? If you've wondered how to support Lee and the show, why not treat her to a cup of coffee - or a salad! Click here to support the show : ) Mentions/Resources: - Dan Currier, Creative Fundamentals - Dan Norton, NYCVideoMeetup.com Asian American Podcasters Association - JOIN! - International Podcast Day - Click here! - She Podcasts Live, October 11-13, 2019, Atlanta, GA. www.ShePodcastsLive.com - Lee's kid's sports podcast: http://www.SebzWorldOfSports.com - Lee's OTHER podcast: http://www.PractiMama.com - Lee keeps it real with practical parenting tips! - CityBikeCoach.com. Learn. Ride. Better. The House of Life NYC, a division of WLEE Media, LLC, is available at Apple Casts/iTunes, Spotify, Google Play, Stitcher and your favorite podcast app. (Lee is working on the issue with iHeart Radio.) Leave your comments and questions via voice for Lee at www.HouseOfLifeNYC.com - or call or email Lee at: lee @ wleefm.com or (212) 6 5 5 - 9 8 4 0. Lee can also be found on Facebook, Twitter and Instagram.

Learn more about Andrew Wang. Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=CQWQVRBGQCK7E&source=url)

In this episode, Jadyn is joined with Andrew and Yewjan - yet again. The return of the Australian Born Chinese, with the exception of Yewjan. Stay tuned and enjoy the episode, as Life With Lam repeats its Asian casting!

In Episode 7, Andrew Wang and Lee Uehara recap the past little while. Since the last show, AAP member Joon Han of Awesome Guests shared his expertise on growing audiences and interview best practices in an AAP Impact Call. And, Lee attended a workshop about podcasters' ownership rights.Andy and Lee also talk about trademarks and whether you need a guest release form. They also discuss why podcasters might need one and the different types of release forms.That conversation led Andy and Lee to talk about the term, "Off the Record" and how it actually works. Then they discuss one way to determine whether a service business is a good one for you.This episode was produced by Matthew Schneeman.Join the Asian American Podcasters Association to get access to AAP Impact Calls and other great content.Mentions:- Joon Han, AwesomeGuests.com- Who Owns Your Content: A Look at Podcasters Rights , a panel discussion hosted at METRO, NYC.- Panelists: Amanda McLoughlin, Jeanine Percival Wright, Anne Kennedy McGuire, Molly Schwartz- AAJA's Media Training InstituteYou can reach out to Asian American Podcasters in the following ways:www.AAPodcasters.com/join/Social Media: @aapodcastersEmail: info @ aapodcasters.comClick HERE for the AAP Podcast Directory. 

In Episode 9, Lee Uehara and Andrew Wang share some HUGE news about AAP.Then, they talk about recording on location after traveling during the summer. Andy goes to Taipei and Tokyo. Lee goes to...Lexington, Kentucky to give an AAP/WOC talk, "Avoiding Newbie Mistakes" for the Lexington Podcasters group run by Jennifer Longworth of Bourbon Barrel Podcasting.Then, Andy and Lee move on and talk about the terms "Asian" versus "Asian American." Which do you use? Does either bother you? Let us know and reach out at @aapodcasters. Food Talk: Andy eats fried grasshoppers - or is it caramelized duck tongue? He told friends that if they nominated his personal show for a business podcast award, he would eat one of those foods. Other food mentions: cho dofu, dragonfruit, haw flakes, shirataki noodle-ramen (low carb), brisket BBQ, Tokyo ramen, tonkatsu and kaitenzushi (conveyor belt sushi).Gear Talk/Recording On Location:Andy records from his Tokyo lobby and misses his bus to the airport! But, before then, Andy talks about planning ahead when taking care of your podcast and what he does. Lee goes on the hunt for a portable P.A. system to use for the talk. She ends up at a Guitar Center and buys a Blackstar Super Fly amp. After successfully using it, Lee has to figure out how to pack it in her luggage. Her gear tip for traveling is to leave room in your suitcase for new gear!Shout-Outs: AAP Member Nolan Hong creates the "Food Talk" drop for us. Nolan's show is Hanging Out with Nolan Hong.Members Susan McCormac and Toshiki Nakashige launch their new podcast, The Big Root,Join the Asian American Podcasters Association to get access to AAP Impact Calls and other great content.Mentions:- Podcast Awards.com- Food Talk drop produced by Matthew Schneeman.- Blackstar Superfly portable P.A. speaker- The Big Root podcast, a new show by AAP members Susan McCormac and Toshiki Nakashige.You can reach out to Asian American Podcasters Association in the following ways:www.AAPodcasters.com/join/Social Media: @aapodcastersEmail: info @ aapodcasters.comClick HERE for the AAP Podcast Directory. 

In Episode 8, Lee Uehara and Andrew Wang review their Impact Call with AAP member Jeof Vita from Kung Fu Drive-In podcast. Some of Jeof's wise words: make sure you're passionate about your show's content when creating a show, and don't do it for any other reason.Andy and Lee also talk about gear, pets, and invite you to share your thoughts and questions. You can do that by visiting AAPodcasters.com and clicking on the SpeakPipe tab to leave a voice memo. You could be on the show!Shout-Outs: Nolan Hong, host of Hanging Out with Nolan Hong, provides AAP with a new segment drop: Gear Talk. Thank you, Nolan!AAP's Great News Corner: Congratulations go to AAP member Melissa Slaughter, producer of the hit show, Netflix's Stranger Things 3. AAP members can share their great news on the show - just email or leave a voice memo for us.AAP's Gear Talk: Microphones. Andy and Lee talk about good starter microphones and why you should get a good one from the beginning. Specifically, dedicated dynamic cardioid microphones. They also mention what to do when interviewing guests in relation to the number of microphones you might have. This episode was produced by Matthew Schneeman.Join the Asian American Podcasters Association to get access to AAP Impact Calls and other great content.Mentions:- Jeof Vita, Kung Fu Drive-In podcast- Nolan Hong, Hanging Out with Nolan Hong podcast- Melissa Slaughter, associate producer of Netflix's Behind the Scenes: Stranger Things 3 podcast- ATR-2100 and Samson Q2U dynamic cardioid starter microphones- Sennheiser e935 and Sennheiser MD46 ENG microphones- Tonor wireless microphones- Zoom, Almolto - video call recordersYou can reach out to Asian American Podcasters Association in the following ways:www.AAPodcasters.com/join/Social Media: @aapodcastersEmail: info @ aapodcasters.comClick HERE for the AAP Podcast Directory. 

A conversation with Inspired Money podcaster and financial advisor, Andrew Wang about what it was like growing up as a 1.5 gen Chinese-American, breaking stereotypes, and the $50,000 question every ethnic-American is asked.

The Young Turks are back at it and they've found the next perfect presidential candidate! Dem Bois™ discuss the policies of Andrew Wang, Chase starts a fight with local carmonger Ted Russell in the name of Jason Farris, and Bingy disrespects car line procedure at his local elementary school!

Sponsors: Master Your Money Super Bundle: Tapped out on singular courses that cost $100 each? We found a deal that will leave you learnin for years to come for less than half that. The Master Your Money Super Bundle is 44 courses, ebooks and printables and videos to help you do better in all areas of your money. Whether that’s budgeting, paying off debt, investing, making more money, whatever. The bundle has over $1200 worth of resources in it but you can get it for only $49.97 when you visit frugalfriendspodcast.com/masteryourmoney Reusing Your Things: we’re not talking about reusing your ziploc bags after having raw meat in them - but rather wearing that sweater multiple times before washing it, or filling that water bottle up again. We understand this concept when it comes to tooth brushes, and towels - reusing your things, try it on something different today! Notable Notes: We talked about tips on investing in our episode with Andrew Wang, and now we're excited to talk about ways to pair this with debt pay-off goals. It may not be for everyone, but we got to ask Erin some questions and received some insightful responses regarding how we can be paying down debt and investing simultaneously. Here's some of the hightlights: Questions: There’s a school of thought that you should be entirely consumer debt free before you start investing, others say invest through your debt payoff or at least take the match. You have a really balanced perspective on where someone should be financially to start investing, will you share that checklist with us? -Goals- identify what it is that you are working towards -Master you cash flow - basically, budget your money! -Store up an emergency fund - Erin recommends 3-6 months of bare bones budget, including paying down debt, and setting more money aside for kids and pets -Pay off consumer debt Should everyone with student loans be investing for retirement? Basically; it depends. If interest rate on loans are higher than 5% - focus on paying these off. If your interest rate on your student loans is lower than 5% you can think about balancing this with investment. Also, consider your own debt tolerance in answering this question for yourself! If you decide to invest while you’re paying off student debt, how do you balance the payoff with contributions? -Face the numbers - ask yourself: What are the loans? Who owns the loans? What’s the interest rate? -Regarding investment for our self-employed friends: Aim to put away 35%-45% of your paycheck. This will cover your taxes and leave you with money after you pay your quarterly’s to put into a SEP-IRA, Solo 401k, or other Roth/IRA accounts What do you think about micro-investing apps? In short; they’re ok - but definitely put in higher amounts than just $1-$2/month. Erin recommends aiming for closer to $25-$50/month to actually see some return on this investment. BILL OF THE WEEK - Thank you Erin for sharing you bill with us! If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill Lightning Round Some final questions for Erin: Favorite personal finance book that’s not your own;)? Thin Green Line By Paul Sullivan What's your favorite frugal thing you do? Go for walks What is your favorite “go-to” easy dinner (at home ;)) Chicken and a can of salsa in the crock pot Where can people find more about you and what do you have coming up at Broke Millennial? All the platforms! https://brokemillennial.com/ Frugal Friends Book Club: It’s April and we’re reading Think and Grow Rich by Napoleon Hill If you want a free copy, leave us a review on iTunes or Stitcher, screenshot the review and send it to frugalfriendspodcast@gmail.com. We’ll select the winners at the end of the month. Thanks for listening! See you next week!

In Episode 1, you'll meet your AAP hosts Andrew Wang and Lee Uehara.They'll share with you - while on location in a city park in NYC - what's ahead for the Asian American Podcasters group and podcast!Let's connect! Here's how:To join: www.AAPodcasters.com/join/. Click to email us. Follow us on Twitter (@aapodcasters) and Instagram (@aapodcasters)!

Episode 7 sees Yewjan, Andrew and Jadyn have their say on what it's like to be an Australian-Asian. They also discuss their experiences in the Retail Industry and touch on their previous Love Lives and Childhood Feuds.

Andrew Wang joins the show, talks about his martial arts journey. From too much stretching, to Tai Chi in Shanghai, to Judo in a police station in Taiwan, Andrew has traveled the globe in his pursuits of martial arts. In addition he talks about the home he found in Seatown Grappling.

Learn more about Ricardo Mirville, Michael Szubrowski and Andrew Wang.Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=CQWQVRBGQCK7E&source=url)

Cela fait maintenant 10 mois que je me suis lancée dans le monde des podcasts, mes allocations chômages s'arrêtent dans moins de deux mois. Je sais qu'il y a de l'argent à se faire en créant des podcasts, mais je me demande toujours comment j'ai envie de m'y prendre...Sons utilisés :  — Bousti, secouriste à la manif du 1er mai // Mind Podcast (Samia) : https://podcast.ausha.co/mind/bousti-secouriste-a-la-manif-du-1er-mai — Cérémonie de cloture & Interview Lauréat au Paris Podcast Festival : https://www.parispodcastfestival.com/podcast — Attention, enfant végé // Programme B : https://soundcloud.com/programme-b/attention-enfant-vege — 300 personnes qui ne rient pas — Awkward : https://podcast.ausha.co/anouk-perry-podcast/300-personnes-qui-ne-rient-pas-awkward — Chloé avec qui je parle de faire des dejeuners pro a fait le podcast Lucette et la vie : https://podcast.ausha.co/lucette-et-la-vie Musique :  — Slow tango // Andrew Wang  — Trapped // Quincas Moreira Photo : Paul Raconte Pour me suivre sur les réseaux sociaux :  Facebook : Anouk Perry  Insta : @anoukperry  Twitter : @anoukperrypod Et si vous voulez m'aider à grandir, le plus simple est de poster des commentaires et de noter mon podcast 5 étoiles sur iTunes !  See acast.com/privacy for privacy and opt-out information.

Sponsors: Cook Smarts: It's a meal planning service that provides recipes, instructions, weekend prep options, and a shopping list for 4 meals per week. You can start with 3 free weeks of meal plans if you sign up at frugalfriendspodcast.com/cs AND use promo code: frugal for 25% off your purchase! Water: It’s necessary to sustain life, not just your life but also your non-plastic plant's life. It helps you clean stuff so it doesn’t smell and your stuff looks newer longer. It’s alway the cheapest thing on the menu and the thing your fitness app reminds you you’re never getting enough of. Water, drink it, use it, remember to water your plants. Notable Notes: We ask Andrew all the important questions including: Tell us about yourself and what you do as a financial advisor? What’s the difference in all the titles and do we need any of them just to get started investing? What are the benefits of being a frugal investor? Why should we care about low-cost investments? Where do we get these investments and where do we put them? Questions from community: Katherine: "After you recognized the importance of investing and want to start investing well, Where can I go to learn? How can I start integrating this into my busy life?" Heidi: "What is a “backdoor Roth”? A lot of people recommend a Roth IRA over a Traditional IRA but I've heard there are limitations on the Roth so I don’t have one, I have a traditional" Abbey: "I have no clue about investing, what's the the best way to start on a suuuper tight budget? And soon I’ll be quitting my job to work for myself so I wants to know the best option for that too" Lauren: "I hear financial bloggers and podcasters talk about saving $18k into retirement accounts, but that’s half my annual take home pay! I put in 4% for the company match. Other than the obvious of finding a better paying job what can I do and how much should I put in, so I can sleep at night knowing I'll be able to retire?" It’s November! And we’re reading The More of Less by Joshua Becker. I’m so excited. Our next book is The Millionaire Next Door by Thomas J Stanley. The book is a compilation of research done on millionaires that found that they don’t necessarily show up where we think they will or buy the things we assume they do. It’s a must read in a frugal book club. If you want a free copy of The Millionaire Next Door we are giving away one for every 5 reviews we get this month, no limit! To enter, leave us a review on your podcast listening device, not just itunes, screenshot the review and send it to frugalfriendspodcast@gmail.com We’ll select the winners for this book at the end of the month!

While at ATX, Les chats with Andrew Wang, Head of TV Development and Production for JuVee Productions about the current state of the industry, his career path, and what he's bringing to screens this year.

Investment advisor Andy Wang, host of the Inspired Money podcast, stepped out of his comfort zone, tried something that scared him, and connected with new clients and friends including celebrities like Christie Brinkley.  For more information, visit the show notes at http://www.bobbirebell.com/podcast/andrewwang

We discuss Andrew Wang's career trajectory since his time as an RTF major, his roles and responsibilities as Head of TV Development and Production at JuVee Productions, and his views on the current state of television industry. Andrew Wang, Head of TV, Development and Production, JuVee Productions When: Monday, November 13, 2017 - 6 - 7:15 p.m. Where: CMA 2.306, University of Texas at Austin Host; Alisa Perren Producer: Kyle Wrather

Think your 401k rocks? In our headlines segment today we'll share a story from an author who thinks your retirement plan isn't all that it can be. Should you stop investing? Reduce the amount you save into it? We'll tackle both of those questions with Paula Pant from Afford Anything and Andrew Wang from the new podcast Inspired Money. They'll also help us cap off 2017 with a discussion about 2018. Fewer people are making money-based resolutions. Does that mean our finances are going to be a mess next year?  We'll also answer two questions from listeners, share Doug's trivia, and more.  Today we'll also introduce you to CollegeBacker. Co-founder Abby Chao joins us to detail the frustrations people have saving for college and how they're working at making 529 plan savings easy. Think it's difficult to save for college? You'll want to listen to today's interview. Can't wait for you to hear all about it. Thanks to HelloFresh and MagnifyMoney.com for sponsoring our show!

Kai-En Chen, Tzu-Ching Meng, and Andrew Wang discuss their crystal structure of the kinase p38γ bound to the phosphatase PTPN3.

Interview with Andrew Wang, MD, author of Association Between Valvular Surgery and Mortality Among Patients With Infective Endocarditis Complicated by Heart Failure

Time and time again I hear my global friends complain that it's hard to find podcasts that are NOT from the U.S. As an American Podcaster (an Expat Podcaster, but still) this is always a sticky conversation for me because although I listen to a mix of podcasts from around the world, the U.S. is home country. So, while I can use these podcasts to stay up to date on what is happening there, I understand that not everyone needs or wants as much audio content coming from there. ------------------------------------------------------------------------Check out our Global Podcast Editors newsletter: https://globalpodcasteditors.substack.com/------------------------------------------------------------------------In fact, part of why the Global Podcasting episodes on Geopats started was because of a desire to share info about non-U.S. Podcasters and podcasting experiences with you. There is so much out there in the world, in English, and our ear buds are craving to hear it. It sounds like Norman Chella has a similar goal as mine but with the Asian scene as his more specific focus. Norm's podcast, Podlovers Asia, is in English and thus gives us a view of the Asian podcasting scene and all of the many cultures that it includes, with zero linguistic effort. In this episode we start with the Asian podcasting scene and then move into his local scene in Malaysia and wrap up with his own podcasting experience and, of course, his tips for new Podcasters wanting to enter the Asian Podcasting scene. Norm's info:Twitter, https://twitter.com/NormanChellaLinkedIn, https://www.linkedin.com/in/normanchella/Quora, https://www.quora.com/profile/Norman-T-Chella Pod Lovers Asia Website, podloversasia.com , now hosted on Whooshkaa,  https://www.whooshkaa.com/​Tempered Fables Podcast, https://podcasts.apple.com/us/podcast/tempered-fables/id1400476035Links: Waves (Vietnam) https://waves8.com/Renegade Radio (Malaysia) https://vulcanpost.com/688328/renegade-radio-podcast-network-malaysia/The Creative Curry Podcast: https://podcasts.apple.com/us/podcast/the-creative-curry-podcast/id1479066033Macha Men Podcast, https://themachamen.podbean.com/Asia Podcast Summit, https://asiapodcastsummit.com/​Breaks: (16:10) Bangkok Podcast, https://www.bangkokpodcast.com/(16:40) Writer & Geek Podcast, https://www.writerandgeek.com/#PodRevDay, https://www.stephfuccio.com/podrevday-podcast-review-day.html and Podcasters Accountability Groups, https://www.stephfuccio.com/podcast-events--groups.html#PodRevDay promo was created with Arielle Nissenblatt (https://twitter.com/arithisandthat) and Andrew Wang, https://twitter.com/RunnymedeCap​Episode Details:  This episode was created with:Steph was using a Samson Q2U microphone, Norm was using an ATR-2100We chatted via Zoom Cloud Recording but my side sounded awful because of a connectivity issue on my end. The double ender audio has a glitch so I did use the Zoom audio. Sigh. The audio was leveled on Auphonic,the best online leveling software (and it's free!)The episode art was made with Canva, https://www.canva.comProducer, Editor, & Host: Stephanie (Gmail: stephfuccio or WeChat: stephfuccio). ​Music courtesy of ​Damon Castillo.The song in this episode is “Body Blues" from the "Mess of Me" album.http://www.damoncastillo.com/https://www.facebook.com/damoncastillobandhttps://www.youtube.com/damoncastillohttps://twitter.com/damoncastilloDamon Castillo Band (Spotify)Support this podcast at — https://redcircle.com/geopats/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Time and time again I hear my global friends complain that it's hard to find podcasts that are NOT from the U.S. As an American Podcaster (an Expat Podcaster, but still) this is always a sticky conversation for me because although I listen to a mix of podcasts from around the world, the U.S. is home country. So, while I can use these podcasts to stay up to date on what is happening there, I understand that not everyone needs or wants as much audio content coming from there. ------------------------------------------------------------------------Check out our Global Podcast Editors newsletter: https://globalpodcasteditors.substack.com/------------------------------------------------------------------------In fact, part of why the Global Podcasting episodes on Geopats started was because of a desire to share info about non-U.S. Podcasters and podcasting experiences with you. There is so much out there in the world, in English, and our ear buds are craving to hear it. It sounds like Norman Chella has a similar goal as mine but with the Asian scene as his more specific focus. Norm's podcast, Podlovers Asia, is in English and thus gives us a view of the Asian podcasting scene and all of the many cultures that it includes, with zero linguistic effort. In this episode we start with the Asian podcasting scene and then move into his local scene in Malaysia and wrap up with his own podcasting experience and, of course, his tips for new Podcasters wanting to enter the Asian Podcasting scene. Norm's info:Twitter, https://twitter.com/NormanChellaLinkedIn, https://www.linkedin.com/in/normanchella/Quora, https://www.quora.com/profile/Norman-T-Chella Pod Lovers Asia Website, podloversasia.com , now hosted on Whooshkaa,  https://www.whooshkaa.com/​Tempered Fables Podcast, https://podcasts.apple.com/us/podcast/tempered-fables/id1400476035Links: Waves (Vietnam) https://waves8.com/Renegade Radio (Malaysia) https://vulcanpost.com/688328/renegade-radio-podcast-network-malaysia/The Creative Curry Podcast: https://podcasts.apple.com/us/podcast/the-creative-curry-podcast/id1479066033Macha Men Podcast, https://themachamen.podbean.com/Asia Podcast Summit, https://asiapodcastsummit.com/​Breaks: (16:10) Bangkok Podcast, https://www.bangkokpodcast.com/(16:40) Writer & Geek Podcast, https://www.writerandgeek.com/#PodRevDay, https://www.stephfuccio.com/podrevday-podcast-review-day.html and Podcasters Accountability Groups, https://www.stephfuccio.com/podcast-events--groups.html#PodRevDay promo was created with Arielle Nissenblatt (https://twitter.com/arithisandthat) and Andrew Wang, https://twitter.com/RunnymedeCap​Episode Details:  This episode was created with:Steph was using a Samson Q2U microphone, Norm was using an ATR-2100We chatted via Zoom Cloud Recording but my side sounded awful because of a connectivity issue on my end. The double ender audio has a glitch so I did use the Zoom audio. Sigh. The audio was leveled on Auphonic,the best online leveling software (and it's free!)The episode art was made with Canva, https://www.canva.comProducer, Editor, & Host: Stephanie (Gmail: stephfuccio or WeChat: stephfuccio). ​Music courtesy of ​Damon Castillo.The song in this episode is “Body Blues" from the "Mess of Me" album.http://www.damoncastillo.com/https://www.facebook.com/damoncastillobandhttps://www.youtube.com/damoncastillohttps://twitter.com/damoncastilloDamon Castillo Band (Spotify)Support this podcast at — https://redcircle.com/geopats/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy