Podcasts about ATM

Welcome to a revealing episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on what banks are really doing with your money—and why you might want to think twice before trusting them with your hard-earned cash. Ever wondered why your savings account seems to earn pocket change while your bank flaunts shiny new office towers and charges you fees left and right? It's not by accident, and in this episode, I break down exactly how the system is stacked in the bank's favor, not yours.We'll explore the hidden realities of fractional reserve banking—where your deposited dollars are leveraged by the banks to make massive profits—and dissect how things like credit card debt, endless fees, and questionable banking practices eat away at your wealth. I debunk the illusion of safety when it comes to things like FDIC insurance and fraud protection.But I won't just leave you with concerns—I'll equip you with tactical moves to ensure your money is safe, controlled, and actually working for you. You'll leave this episode empowered to flip the script and start building a money machine that serves YOUR financial future.IN TODAY'S EPISODE, I DISCUSS:How banks really make money using the fractional reserve systemHow credit card debt and minimum payments are building bank empiresThe hidden cost of monthly, ATM, and overdraft feesWhy the bank may not always have your backWhy I use credit unions and how you can benefit tooRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Accountant Explains: The 4 Money Personalities - Which one are you?6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire)Financial Literacy is The Lowest it's Ever Been This is Sad10 Habits Of The "Fake Rich" You Need To AvoidLife Lessons I Wish I Knew Earlier - Here's what matters mostRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Accountant Explains: The 4 Money Personalities - Which one are you?: https://youtu.be/H6-F2EEn-Ps6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire): https://youtu.be/aqTn3Us9q5oFinancial Literacy is The Lowest it's Ever Been This is Sad: https://youtu.be/BIHtHihEOlY10 Habits Of The "Fake Rich" You Need To Avoid: https://youtu.be/Ijofyr-YtXYORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Get paid to build your email list.When we go and acquire something, when we consume something, we're expected to pay, right?But here in the internet marketing space, a lot of people get tripped up on what's sold on to them and that's build a list, build a list, build a list, nurture, nurture, nurture, because that builds the vanity metric.That's something that's measurable for a lot of influencers out there to get you to do. And I'm going to tell you at the end of the day, most of your clientele most likely is not in this internet marketing bubble, they're not conditioned this way.You have the opportunity to get paid as you build your email list. After all, this is what happens in the real world.You get contact information from people that are buyers, not people that are freebie seekers.So whenever you're doing your opt ins, whenever you're doing those initial offers, you could have different types of offers that you do that will allow the person to pull their wallet out in advance, sooner in the relationship versus way later in the relationship.Now, what that will allow you to do is then you're going to be able to pre finance your list building because as you spend money to get new eyeballs on your offers, on your things, you are then able to sell a different type of offer, typically a smaller promise, a smaller offer initially compared to your big offer, your big course, coaching, program, membership that you have the different offers that we all have in the backarsenal.And while that happens you will actually, as your email list grows, the money will be coming back in, the money will be coming back in, you'll be able to reinvest it. It's like having an ATM machine versus a slot machine when it comes to doing your ads.I want you to keep in mind that you can look at your funnel differently.You can look at your marketing strategy completely differently, if you change your mindset and start thinking more and ask yourself the question, “how can I get paid sooner? How can I get paid to build my email list?”Resources:Adaptive Marketing Program - Adaptive Marketing Program is an exclusive opportunity for online business owners, coaches, course creators, and membership site owners to play bigger and bolder in their business and explode their bank account with more clients!For a list of our resources & recommendations visit: https://onlinemarketingpodcast.com/learn-with-paul-melissa/Connect with us on social!Instagram: @realpaulpruitt & @realmelissapruittFacebook: @realpaulpruitt & @realmelissapruitt

Viasat confirms it was breached by Salt Typhoon. Microsoft's June 2025 security update giveth, and Microsoft's June 2025 security update taketh away. Local privilege escalation flaws grant root access on major Linux distributions. BeyondTrust patches a critical remote code execution flaw. SMS low cost routing exposes users to serious risks. Erie Insurance says their ongoing outage isn't ransomware. Backups are no good if you can't find them. Veeam patches a critical vulnerability in its Backup software. SuperCard malware steals payment card data for ATM fraud and direct bank transfers. We preview our Juneteenth special edition. Backing up humanity.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today, we are sharing an excerpt of our Juneteenth Special Edition conversation between Dave Bittner, T-Minus Space Daily's Maria Varmazis, and CISO Perspectives podcast's Kim Jones. Enjoy this discussion on the eve of Juneteenth and tune into your CyberWire Daily feed tomorrow on your favorite podcast app to hear the full conversation. Selected Reading Viasat hacked by China-backed Salt Typhoon in 2024 US telecom attacks (Cybernews) Microsoft's June Patches Unleash a Cascade of Critical Failures (WinBuzzer) New Linux udisks flaw lets attackers get root on major Linux distros (Bleeping Computer) BeyondTrust warns of pre-auth RCE in Remote Support software (Bleeping Computer) Two Factor Insecurity (Lighthouse Reports) Erie Insurance: ‘No Evidence' of Ransomware in Network Outage (Insurance Journal) Half of organizations struggle to locate backup data, report finds (SC Media) New Veeam RCE flaw lets domain users hack backup servers (Bleeping Computer) Russia detects first SuperCard malware attacks skimming bank data via NFC (The Record) Why one man is archiving human-made content from before the AI explosion (Ars Technica) Audience Survey Complete our annual audience survey before August 31. Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

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#Drones are no longer the side story, they're rewriting the rules of global #airspace. At Airspace World 2025, our CEO and co-founder, Eszter Kovács sat down with Michelle Bishop from CANSO to break down the newly published CATS ConOps, the industry's roadmap for integrating #eVTOLs, #drones, and high-altitude platforms into a fully digital, unified #airspace. We covered:

Using an ATM, paying for petrol or shopping at a retail store are pretty routine things that many of us do on a frequent basis. But it's important to be aware of the often invisible threat posed by a criminal practice called skimming, which sees fraudsters clone bank cards.  Across the pond in the US, data analytics firm Fico reported a 96% increase in debit card skimming in 2023, and recent months have also seen prominent cases in the UK. Let's take a moment to understand what skimming is a little better, and go over the best ways in which you can protect yourself. Is it really possible to clone a bank card? Once they have my card details, how do they use them? Are banks doing anything to protect consumers? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How do sim swapping scams work?⁠ ⁠What is Quantum medicine and is it a scam?⁠ ⁠Why do web addresses start with www?⁠ A podcast written and realised by Joseph Chance. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how one startup is transforming the trillion-dollar housing industry by mass-producing foldable homes that ship like furniture and build like Legos.   In this episode of Sharkpreneur, Seth Greene speaks with Galiano Tiramani, the founder and CEO of Boxabl, who shares how his revolutionary foldable housing concept is disrupting the construction industry. Under his leadership, Boxabl has achieved unicorn status, raised over $200 million from 50,000 investors, and received endorsements from figures like Elon Musk. In this conversation, Galiano reveals how scalable design, factory-built homes, and viral crowdfunding are transforming the future of affordable housing worldwide.   Key Takeaways: → How factory-built homes could transform the future of affordable housing. → Why folding houses may be the key to solving the global housing crisis. → How regulatory roadblocks can slow innovation and how to overcome them. → What it takes to scale a physical product at startup speed. → Uncover the future of customizable, quickly built housing communities.   Galiano Tiramani is the Founder and CMO of BOXABL. Under his leadership and brilliant marketing strategies, BOXABL has raised over $170 million from more than 40,000 individual investors. With a successful startup pedigree under his belt, including a cryptocurrency ATM network and a Cannabis startup, Galiano has placed BOXABL at the forefront of disrupting the housing industry. With over 190,000 pre-orders* and notable celebrity endorsements from Elon Musk and many more, Galiano has helped turn BOXABL into a $3 billion unicorn.   Connect With Galiano: Website Instagram Instagram YouTube Learn more about your ad choices. Visit megaphone.fm/adchoices

Marius Roodt and Nicholas Lorimer discuss the op-eds by Adriaan Basson and Matt Cuthbert on BEE. They also chat about a fire in Joburg and the ATM changing leaders. Website · Facebook · Instagram · Twitter

This week Chuck rants about Taking a ride, crappy drivers, ATM adventuresand much much more on this episode of Casually UncomfortableCall Show And Leave A Question, Comment, And Or A Concernshttps://www.speakpipe.com/CasuallyUncomfortable

We're 192 episodes deep and STILL gaining subs, baby—what are the haters gonna say now? This week's episode kicks off with a personal PSA about my voice (yes, it's real, yes, there was a helium balloon involved, and no, we're not doing the full story yet—maybe next week). But more importantly: it's time to say goodbye. No, not to me. To Twilight on Netflix. That's right—Bella, Edward, disco ball vampires and all, are leaving the platform June 30th. So if you've never experienced the greatest supernatural soap opera of our generation, now's your moment. You're welcome.Then it gets juicy.Like, breakup-in-the-grocery-store-parking-lot kind of juicy. The bromance between Elon Musk and Donald Trump is officially over. We go deep into the timeline of their relationship fallout: the ketamine-fueled key ceremony, the broken promises, the pork-filled bills, and yes—even the Epstein bombshell tweet that landed like a wet fart. I break down who said what, who tweeted when, and who's now getting disinvited from Mar-A-Lago brunch. It's Mean Girls 3: Billionaire Edition, and I was the first to call it (don't let Hassan or Philip DeFranco tell you otherwise).We also ask the hard questions—like who gets custody of Joe Rogan?Speaking of Papa Joe, he's spiraling again. Joe Rogan has entered the Boomer Fake News Pipeline™ and he's not turning back. Whether it's a TikTok guy in a bucket hat exposing charities or a magician mind-reading his ATM pin code, Joe is not okay. I cover the Joe vs. Jamie saga (spoiler: Jamie is in timeout) and explain why Rogan's new favorite news anchor is just a dude with a green screen and a fishing vest. It's dark out here, folks.We round things out with a Pride Month reality check. Corporate logos? Rainbow-less. Target's Pride merch? Basically a flock of genderqueer ceramic birds. But hey, at least we've got that one video—you know the one. It's not a true Pride Month until it's been texted to every group chat and played on loop in the group thread.Finally, we wrap with a Real ID warning and the official Costco Dinner Hack™ tutorial. Free sushi samples = date night appetizer. Costco hotdog = main course. Childhood trauma from calling that “going out to eat”? Absolutely free.Next week, we're back in New York with all-new backdrops. And the week after that—we're in Mexico, baby. Villa content coming in hot with 280+ and Recap & Record in tow. It's all happening this summer.Hit subscribe. Hit the bell. Hit play.Let's ride.

"Is it really worth spending thousands on a tropical vacation if your kids would rather be home playing video games and ordering DoorDash?"In this brutally honest and hilariously relatable episode of The Ben and Skin Show, hosts Ben Rogers, Jeff “Skin” Wade, Kevin “KT” Turner, and Krystina Ray dive into the emotional and financial rollercoaster of planning summer vacations—especially when your kids might not even care.Ben opens up about his evolving philosophy on family trips, reflecting on everything from negative ATM balances to $900 dinners in Turks and Caicos that left his kids unimpressed and his wallet gasping for air. With Ben chiming in about his own parenting journey and the wisdom of Skin's dad, Jerry Wade—“You can't save money on vacation”—the crew explores the tension between creating lasting memories and questioning whether it's all just a very expensive exercise in futility.Key Themes & Moments:

Interview with Rana Vig, Director & CEO of Blue Lagoon ResourcesOur previous interview: https://www.cruxinvestor.com/posts/blue-lagoon-resources-bllg-gold-producer-focused-on-being-explorer-1079Recording date: 5 May 2025Blue Lagoon Resources (CSE: BLLG, OTCQB: BLAGF) is set to commence gold production on July 9, 2025, marking the culmination of a five-year permitting process that CEO Rana Vig initially expected to take just 18 months. The company's high-grade British Columbia property near Smithers represents a significant milestone in today's challenging regulatory environment, where typical mining permits can extend to 20 years.The 22,000-hectare property contains 15 known high-grade veins averaging 9 grams per ton, with current measured and indicated resources of 218,000 ounces concentrated on a single vein. Management projects a clear path to over one million ounces based on extensive drilling programs totaling more than 50,000 meters. Recent drilling 150 meters below known resources has yielded intercepts exceeding 18 grams per ton across multiple hits, with increasing copper grades suggesting proximity to the mineralization source.Blue Lagoon's strategic approach emphasizes cash flow generation over traditional equity financing. "I could have raised more money for this company a couple of years ago, but everybody was depressed," Vig explained. "Why dilute at that level? I'd be at 700-800 million-900 million shares." Instead, management plans to use production cash flow as an "ATM" to fund exploration and expansion activities.The company has invested approximately $40 million in infrastructure and assembled an experienced operational team, including Cobra Mining contractors familiar with the historical Noranda operations at the same site. A validated toll processing partnership with Nicola Mining confirmed 90-95% recovery rates through previous test shipments.Cash flow generation is projected for fall 2025, with free cash flow expected by year-end. The timing coincides favorably with gold prices exceeding $3,300, well above the company's $2,600 base case assumptions. This positions Blue Lagoon uniquely among junior miners as it transitions from exploration to immediate revenue generation in a sector dominated by speculative plays.Learn more: https://www.cruxinvestor.com/companies/blue-lagoon-resourcesSign up for Crux Investor: https://cruxinvestor.com

A bit of rain on the overnight…clearing up this morning. Should be pretty nice the rest of the day. We started the morning with the latest on the brewing feud between President Donald Trump & Elon Musk. Also in the news, a Fountain City man has been ordered to undergo an evaluation after he didn't report his wife's death & was living with her corpse. A couple of men were arrested for ATM skimmers in the Wisconsin Dells. Nearly 2 million window AC units are being recalled for a risk of mold exposure. And Hooters abruptly closed restaurants in multiple states. In sports, the Brew Crew start a 3-game series at home against the Padres tonight, the Pacers upset the Thunder in game one of the NBA Finals last night, the NHL Stanley Cup Final continues tonight with Florida at Edmonton, and Aaron Rodgers is going to Pittsburgh. Elsewhere in sports, the Boston Bruins have hired a new head coach, ESPN's Jay Harris reveals that he's battling prostate cancer, and a high school track star has been stripped of her state title because of her post-race celebration involving a fire extinguisher. Doc joined us for his regular racing report thanks to County Materials in Holmen, and we also let you know what's on TV this weekend along with what's in theaters. Had a few "this week in #science" stories today including stress-detecting face tattoos & stress-detecting dental floss. Plus, Amazon is looking at using humanoid robots to deliver your packages! Fantastic story about a Jersey Mike's employee who helped save a woman who was being held captive, and a dude on a horse assisted police in a hit & run chase. Two out of five Americans are bad at "mornings" according to a new survey. And in today's edition of "Bad News with Happy Music", we had stories about a major candle theft, a DoorDash delivery driver who didn't get a tip & took matters into his own hands, a woman who is suing Marriott after a hotel employee watched her shower, a police officer going viral on FB because of his extra thicc cake, and a #FloridaCouple that killed a 16 year-old they found on Grindr.See omnystudio.com/listener for privacy information.

Summer is here, and so are the shenanigans! In today's episode, Melissa and Mandy dive into some of the quirkiest (and a few wild) crimes that have taken place during the sunny season. From beachside thefts to ice cream shop heists, we've got it all. Get ready to hear stories about crafty criminals, unlikely heroes, and even a few strange but funny moments that make summer crime a little less scary and a lot more bizarre. Melissa shares her thoughts on beach thefts, including a film director catching thieves stealing from surfers in Newport Beach. Then, Mandy gets into a flower-stealing arrest in Seal Beach, California, and some reflections on her own sneaky gardening tendencies. They also cover the story of a stolen truck full of camping gear, ice cream shop break-ins by both bears and thieves, and a string of boat thefts in the UK and the US. Finally, they discuss some wild summer crimes, like stolen ATM machines, ice cream pint thefts, and even a 5-year-old boy helping to crack a lemur theft case.    Thank you to this week's sponsors!  Take control of your health outside the doctor's office today and get a $100 credit towards your annual membership at Functionhealth.com/mysteries. But act fast; $100 credit is only for the first thousand listeners.  Order now on easycanvasprints.com/moms for a discount on 16x20 canvases.  Right now, Skylight is offering our listeners $30 off their 15 inch Calendars by going to SkylightCal.com/MOMS.  Right now, IQBAR is offering our special podcast listeners 20% off all IQBAR products, plus get FREE shipping. To get your 20% off, text MOMS to 64000. Message and data rates may apply. See terms for details.  

How To Kick the Snooze Button Habit:Waking up several times interrupts and fragments sleep, which means you'll cycle back and forth between light, non restorative sleep and being awake, which isn't restful.It can leave you feeling tired and groggy when you finally get out of bed.It reinforces bad sleep habitsOn top of not feeling rested, alert and at your best, the sleep expert points out that consistently not getting enough sleep can raise the risk of weight gain, cardiovascular disorders, metabolic disorders and even dementia.Fortunately, you can break the sleep-snooze cycle by:Making sure you're getting enough sleep to feel truly rested, which is between seven and eight hours a night for most folks.Sticking to a consistent sleep schedule, which Auckley notes is easier if you time to rise to when your internal body clock starts to wake you up.In the morning, try to resist hitting snooze and get up as soon as your alarm goes off.Getting morning light exposure as soon as possible when you wake up, which helps keep your internal clock in sync and improves alertness.Have a positive morning ritual to look forward to, whether it's enjoying freshly made coffee on your porch or catching up on sports scores.Things You Are Still Wasting Your Money On:ATM FeesIn 2025, paying ATM fees is almost a fool's errand. With so many online banks offering free ATM withdrawals and brick-and-mortar banks offering a large network of free ATMs or ATM fee reimbursement, paying several dollars a month is seemingly avoidable. Simply put, there's no reason to waste money on fees just to access your own cash so even if it takes planning ahead, make sure you omit this expense.Bottled WaterShockingly, people continue to spend money on bottled water, even given both the financial and environmental downfalls. If you don't trust your tap water, even the cost of installing a filter or having one in your fridge can make it worth your money in the long run. Stop paying for something you can essentially get for free and invest in a quality reusable water bottle for when you're on the go.Brand-Name MedicationsUnless you're specifically advised by your doctor, opting for brand-name medications over their generic counterparts is a pointless expenditure. Generic drugs have the same active ingredients and undergo the same quality control as their branded counterparts. Switching to generics can save you hundreds or even thousands of dollars annually without compromising on health.Cable TV SubscriptionsThe world has moved on from traditional cable television, but many are still holding onto it — along with its hefty bill. Streaming services like Netflix, Hulu, and Disney+ offer customizable viewing options for a fraction of the price and even bundling options. If you're still paying for a bloated cable package, it's time to cut the cord and switch to more budget-friendly entertainment options.Extended WarrantiesRetailers love to upsell extended warranties, but the truth is, they're seldom worth it. Most products are built to last for at least the length of their original warranty, and by the time they break, chances are you'd be looking to upgrade anyway. Instead of shelling out for extended warranties, set aside a small emergency fund for when things really go wrong.Fast FashionCheap, trendy clothing may seem like a good deal, but fast fashion is a money pit. These clothes are usually poorly made and fall apart after just a few wears, forcing you to constantly replenish your wardrobe in a never-ending cycle for your closet and nearest landfill. Instead, invest in quality, timeless pieces that last longer. You'll not only save money but also reduce your environmental footprint.Premium Gas for Non-Luxury CarsUnless your car specifically requires premium gasoline, you're throwing money away by filling up with it, especially when gas prices are already so high. Modern engines are designed to run efficiently on regular unleaded gas, and using premium won't give you any added benefits in performance. Stick to regular gas and watch your fuel expenses drop in what you pay at the pump.Overpriced Online Shopping on AmazonName-brand phone chargers, headphones, and other items can cost up to three times as much on Amazon when compared to other retailers or the product's own website. Check reviews before you add something to your cart as many will let you know if it's worth the cost. Don't be afraid to shop around, as varying sticker prices could shock you.Unused Gym MembershipsIn 2025, no matter your fitness resolutions, there's no reason to pay for a gym membership you're not using. With the explosion of online workout platforms, free YouTube fitness channels, and affordable apps, staying in shape no longer requires an expensive gym pass, particularly if you don't go regularly. If you're still paying for a membership you rarely use, it's time to cancel and explore the world of free digital fitness.What ER Doctors Bring On Vacation:Anti-nausea medication - “Always pack Zofran, just in case,” said Dr. Cedric Dark, associate professor of emergency medicine at Baylor College of Medicine. “The feeling of nausea and vomiting is one of the most hated things you could ever imagine and there's nothing over-the-counter that is that helpful.” Zofran is only available by prescription, but it dissolves under your tongue, so it works even when you can't really keep anything down.A bug zapper - Dr. Dark says standalone mosquito traps or a mosquito zapper racquet like the one he uses are must-haves for traveling somewhere tropical, where the insects can carry serious diseases like West Nile virus, Zika virus and dengue fever.Tweezers - They're a fix for the far more simple, but common problem of splinters, and that's why tweezers are a travel essential for Dr. Joy Crook, associate professor of clinical emergency medicine at Vanderbilt University Medical Center.Compression socks - The CDC warns that traveling for more than four hours by air, car or bus raises the risk of developing blood clots, but wearing compression socks can help lower that risk. That's why they're a go-to for Dr. Erin Muckey, associate professor of emergency medicine at Rutgers New Jersey Medical School.A portable charger - Dr. Eric Adkins, an emergency medicine physician at the Ohio State University Wexner Medical Center, points out that you can't call for help or look up where the nearest pharmacy or hospital is with a dead phone battery, so he packs a portable charger.A carbon monoxide detector - Dr. Crook says this is a recent addition to her travel bag, since several stories of travelers dying from carbon monoxide poisoning have happened this year alone.Melatonin - Not sleeping well can weaken the immune system, which can make you more likely to get sick, but melatonin supplements can help “reset your internal clock,” according to Adkins, so you can snooze.Second Date Update: Dalia and Reggie go to the Mountain Winery to see Chris Isaak. She loved every minute. He has disappeared...was it her dancing?

National Cheese day.  Entertainment from 1971.   Young Elvis Chosen for postage stamp, Shopping cart invented, Miracle at Dunkirk, ATM invented.  Todays birthdays - Clara Blandick, Bruce Dern, Freddie Fender, Michelle Phillips, Parker Stevenson, Keith David, El Debarge, Russell Brand, Angelina Jolie.  John Wooden died.Intro - God did good - Dianna Corcoran   https://www.diannacorcoran.com/The cheese song - Juice MusicBrown sugar - The Rolling StonesYour my man - Lynn AndersonBirthdays - In da club - 50 Cent    http://50cent.com/Before the next teardrop falls - Freddie FenderCalifornia dreamin - The Mamas & PapasWho's Johnny - El DebargeExit - Tonight - Toby May     https://tobymayofficial.com/countryundergroundradio.comHistory and Factoids webpage

BUFFALO, NY - June 3, 2025 – A new #research paper was #published in Volume 16 of Oncotarget on May 19, 2025, titled “PRDX1 protects ATM from arsenite-induced proteotoxicity and maintains its stability during DNA damage signaling." In this study, led by first author Reem Ali and corresponding author Dindial Ramotar from Hamad Bin Khalifa University in Qatar, researchers discovered that a protein called PRDX1 helps maintain the stability of ATM, a key protein involved in repairing damaged DNA, especially when cells are under stress from arsenite exposure. The study found that without PRDX1, cells lose their ability to repair DNA and become more sensitive to chemotherapy. This finding suggests that targeting PRDX1 could improve the success of some cancer treatments. PRDX1 is already known for its role in protecting cells from oxidative damage, but this study shows it also plays a role in the DNA repair process. ATM is an essential protein that detects breaks in DNA and starts the repair process. When PRDX1 is missing, ATM is rapidly lost, especially when cells are exposed to arsenite, a toxic substance found in the environment. Without ATM, the DNA repair system fails, leaving cells more vulnerable to damage. By using both human cell lines and clinical samples from ovarian cancer patients, the team showed that high levels of PRDX1, along with ATM and MRE11 (another DNA repair protein), were linked to tumors' aggressive features and lower patient survival rates. This pattern suggests that tumors with high PRDX1 may resist chemotherapy by increasing their DNA repair capacity. On the other hand, removing PRDX1 weakened the repair system and made cancer cells more responsive to DNA-damaging platinum drugs. The study also showed that combining low doses of arsenite with drugs that either block ATM or damage DNA caused a much higher rate of cancer cell death in cells that lacked PRDX1. These results suggest a new treatment approach: lowering PRDX1 levels to make cancer cells more sensitive to DNA-damaging platinum therapies already in use. This highlights PRDX1 not only as a protector of cell function but also as a potential weak point in cancer cells. “As such, we propose that small molecule inhibitors of PRDX1, or single nucleotide polymorphisms that compromise PRDX1 function, in combination with low doses of arsenite can be exploited to treat chemo-resistant tumours.” These findings open the door for the use of PRDX1 as a biomarker to predict treatment response and as a promising target for new combination therapies. For patients with ovarian cancer and potentially other tumors, adjusting PRDX1 levels may help overcome drug resistance and improve outcomes. DOI - https://doi.org/10.18632/oncotarget.28720 Correspondence to: Dindial Ramotar - dramotar@hbku.edu.qa Video short - https://www.youtube.com/watch?v=suOhF7mPlNQ Sign up for free Altmetric alerts about this article - https://oncotarget.altmetric.com/details/email_updates?id=10.18632%2Foncotarget.28720 Subscribe for free publication alerts from Oncotarget - https://www.oncotarget.com/subscribe/ Keywords - cancer, redox signaling, homologous recombination, protein interaction, cell cycle, protein modification To learn more about Oncotarget, please visit https://www.oncotarget.com and connect with us: Facebook - https://www.facebook.com/Oncotarget/ X - https://twitter.com/oncotarget Instagram - https://www.instagram.com/oncotargetjrnl/ YouTube - https://www.youtube.com/@OncotargetJournal LinkedIn - https://www.linkedin.com/company/oncotarget Pinterest - https://www.pinterest.com/oncotarget/ Reddit - https://www.reddit.com/user/Oncotarget/ Spotify - https://open.spotify.com/show/0gRwT6BqYWJzxzmjPJwtVh MEDIA@IMPACTJOURNALS.COM

Di bûletena nûçeyên îro de: Neteweyên Yekbûyî lêpirsîneke serbixwe ya tavilê li ser kuştina Filistîniyên ku alîkarî dixwestin dixwaze... Rayedar li dijî ATMên krîptopereyan tedbîrên tund digirin, Û di futbolê de, Socceroos dibêjin misogerkirina bêtir cihan di Kûpa Cîhanê lezgîniya misogerkirina cihê wan di tornemêntê de kêm nake. Ew nûçeyana û nûçeyên din di bûletenê de hene.

Mothers Against GenocideThis column makes no apologies for writing so much about the genocide in Palestine and the urgent need for ceasefires and a peace process.  At least 14,000 babies face imminent death from starvation. Over 60,000 Palestinian children, women, men have been killed, including more than 4,000 since Israel ended its ceasefire in March. One especially harrowing example of Israel's murder machine at work was the deliberate targeting last Friday of the family home of Hamdi and Walaa al-Najjar, two doctors who work at Nasser Hospital in Khan Yunis. As Hamdi was at work nine of her ten children were killed. Her husband and a 10th child was left critically ill.Mothers Against Genocide have stood up against this savagery and for the rights of the Palestinian people. Sue Pentel and Martine McCullough are active in this campaign. Sue has been a political activist all her life. My earliest memory of her is as a member of Women against Imperialism over 40 years ago. Sue is a Gaeilgeoir who has worked for decades promoting the education of our young people through the medium of Irish. She is also a committed advocate for the rights of the people of Palestine and last weekend she and her friend Martine were arrested by the PSNI and charged with ‘criminal damage' to an ATM at Barclays Bank in Castle Place in Belfast City Centre. The so-called criminal damage was the placing of a sticker on the machine as a reminder of Barclays role in selling Israeli war bonds.‘If I Must Die'There will be a public event this Saturday – 31 May - about the ongoing genocide. The venue is St Comgalls/Ionad Eileen Howell and it starts at 7.30pm. Chairing the meeting, which is sponsored by the Bobby Sands Trust, will be Dr Brendan Ciaran Browne, Associate Professor of Conflict Resolution. The main speaker will be Yousef M. Aljamal On the International Wall in Belfast there is a poem by Refaat Alareer, ‘If I Must Die' which he wrote for his daughter, Shaymaa, who would grow up to be an accomplished illustrator. It is very poignant because the Israelis went on to kill Refaat, along with his sister, brother and four of nephews and nieces, eighteen months ago. Give the vote to 16-year-old citizens. The debate on reducing the voting age to 16 is gathering momentum. Twice in the last decade the Assembly – minus the DUP - has endorsed the call for the vote to be reduced in the North from 18 to 16. Several years ago Sinn Féin introduced a Bill in the Oireachtas to allow for this in southern elections and last week An Taoiseach Micheál Martin said that he had an “open mind” on such a proposition and would give it “serious consideration.”The Commission on the Future of Ireland are hosting 'Health & Care in a New Ireland' on the 6th of June, 1pm at St Comgalls, Belfast.Register here: https://www.eventbrite.com/e/health-care-in-a-new-ireland-tickets-1354804690299 

Today we'll be talking about an ATM malware scam being foiled, a Thai police helicopter crash raising eyebrows about suspected corruption, and a little later a deadly border clash between the Thai and Cambodian Military.

Severe power cuts hit Spain, Portugal and parts of France this week, cutting the lights and stopping flights, trains, and ATM machines in their tracks. The Spanish grid operator has said it's ruled out a cyber-attack, but the reason behind what happened is still unclear. We speak to Keith Bell, Professor of Electronic and Electrical Engineering at the University of Strathclyde, and David Brayshaw, Professor of Climate Science and Energy Meteorology at the University of Reading, to ask whether the UK's power supply could be just as vulnerable to a major blackout.Presenter Victoria Gill hears about how cyborg cockroaches are being developed to try to help at disaster scenes. We're also joined by science journalist Caroline Steel to discuss the week's standout science news. And we find out how a critically endangered salamander, the axolotl, could hold the biological key to repairing damaged spinal cords.Presenter: Victoria Gill Producers: Clare Salisbury, Dan Welsh and Gerry Holt Editor: Martin Smith Production Co-ordinator: Jana Bennett-Holesworth

 Santi: Hi, this is a special episode of Statecraft. I've got a wonderful guest host with me today. Kyla Scanlon: Hey, I'm Kyla Scanlon! I'm the author of a book called In This Economy and an economic commentator. Santi: Kyla has joined me today for a couple reasons. One, I'm a big fan of her newsletter: it's about economics, among many other things. She had a great piece recently on what we can learn from C.S. Lewis's The Screwtape Letters, which is a favorite book of mine.Kyla's also on today because we're interviewing Wally Adeyemo, who was the Deputy Secretary of the Treasury in the Biden administration. We figured we each had questions we wanted answered.Kyla: Yeah, I've had the opportunity to interview Wally a couple times during the Biden administration, and I wanted to see where he thinks things are at now. He played a key role in implementing the Inflation Reduction Act, financial sanctions on Russia, and a whole bunch of other things.Santi: For my part, I'm stuck on Wally's role in setting up the IRS's Direct File program, where you can file your taxes for free directly through the IRS instead of paying TurboTax a hundred bucks to do it. “Good governance types” tend to love Direct File, but the current admin is thinking of killing it. I wanted to understand how the program got rolled out, how Wally would respond to criticisms of the program, and what he learned from building something in government, which now may disappear.Kyla, you've talked to Wally before. How did that conversation go? Kyla: I actually was able to go to his office in D.C., and I talked to a couple of key people in the Biden administration: Jared Bernstein, the former chair of the CEA, and Daniel Hornung, who was at the National Economic Council.We're talking to Wally on the day that the House passed the one big beautiful bill. There's also so much happening financially, like the bond market is totally rebelling against the US government right now. I'm really curious how he thinks things are, as a key player in the last administration.Santi: Wally, you've spent most of your career in Democratic Party institutions. You worked on the Kerry presidential campaign in 2004. You served in the Obama admin. You were the first chief of staff to the CFPB, the president of the Obama Foundation, and, most recently, Deputy Treasury Secretary in the Biden admin.30,000ft question: How do you see the Democratic Party today?My view is that we continue to be the party that cares deeply about working-class people, but we haven't done a good job of communicating that to people, especially when it comes to the things that matter most to them. From my standpoint, it's costs: things in America cost too much for a working-class family.I want to make sure I define working class: I think about people who make under $100,000 a year, many of whom don't own homes on the coast or don't own a significant amount of stocks (which means they haven't seen the asset appreciation that's led to a great deal of wealth creation over the last several decades). When you define it that way, 81% of Americans sit in that category of people. Despite the fact that they've seen their median incomes rise 5-10% over the last five years, they've seen the cost of the things they care about rise even faster.We haven't had a clear-cut agenda focused on the standard of living, which I think is the thing that matters most to Americans today.Santi: There are folks who would say the problem for Democrats wasn't that they couldn't communicate clearly, or that they didn't have a governing agenda, but that they couldn't execute their agenda the way they hoped to in the time available to them. Would you say there's truth to that claim?Most people talk about a communications issue, but I don't think it's a communications issue. There are two issues. One is an implementation issue, and the second is an issue of the actual substance and policy at the Treasury Department. I was the deputy secretary, but I was also the Chief Operating Officer, which meant that I was in charge of execution. The two most significant domestic things I had to execute were the American Rescue Plan, where $1.9 trillion flowed through the Treasury Department, and the Inflation Reduction Act. The challenge with execution in the government is that we don't spend a lot on our systems, on making execution as easy as possible.For example, the Advanced Child Tax Credit was intended to give people money to help with each of their children during the pandemic. What Congress called on us to do was to pay people on a monthly basis. In the IRS system, you pay your taxes mostly on an annual basis, which meant that most of our systems weren't set up to pay a monthly check to Americans. It took us a great deal of work to figure out a way to recreate a system just to do that.We've underinvested in the systems that the IRS works on. The last time we made a significant investment in the IRS's digital infrastructure was the 1960s; before we had an ATM machine, before we sent a man to the moon, before we had a personal computer. So that meant that everything was coded in a language called COBOL.So execution was quite hard in the American Rescue Plan. People were left out and felt that the government wasn't working for them. If you called the IRS, only 13% of your calls were being answered. We got that back up to 85% before we left. Ultimately, I think part of this is an execution challenge. In government we want to spend money coming up with new policies, but we don't want to pay for execution, which then means that when you get the policy passed, implementation isn't great.When Jen Pahlka was on your show, she talked about the need to focus on identifying the enablers to implementation. Direct File was one of the best examples of us taking implementation very seriously.But also, on some policy issues that mattered most to Americans, we weren't advancing the types of strategies that would've helped lower the cost of housing and lowering the cost of medicine. We did some things there, but there's clearly more that we could have done, and more we need to do going forward to demonstrate that we're fighting to bring down those costs. It's everything from permitting reform — not just at the federal level, but what can we do to incentivize it at the state and local level — to thinking about what we can do on drug costs. Why does it cost so much more to get a medicine in America than in Canada? That is something that we can solve. We've just chosen not to at the federal level.At the end of the year, we were going to take action to go after some of the middlemen in the pharmacy industry who were taking out rents and large amounts of money. It dropped out of the bill because of the negotiations between the Republican Congress and then President-elect Trump. But there are a lot of things that we can do both on implementation, which will mean that Americans feel the programs that we're passing in a more effective way, and policy solutions that we need to advance as a party that will help us as well.Kyla: Some people think Americans tend to vote against their own self-interest. How can your party message to people that these sorts of policies are really important for them?Ultimately, what I found is that most people just understand their self-interest differently, and for them, a big part of this was, “Who's fighting for me on the issues that I care most about?”From my standpoint, part of the problem we had with Direct File, which I think was an innovative solution, was that we got to implementing it so late in the administration that we didn't have the ability for it to show the impact. I'm hoping future administrations will think through how to start their implementation journey on things like Direct File sooner in the administration, when you have a great deal of political capital, so people can actually feel the impact over time.To your question, it's not just about the messaging, it's about the messenger. People tend to trust people who look like them, who come from the places they come from. When it came to the Child Tax Credit and also to Direct File, the biggest innovation wasn't the technology: the technology for Direct File has been used by the Australians, the British, and other countries for decades.The biggest innovation was us joining that technology with trusted people in communities who were going out to talk to people about those programs and building those relationships. That was something that the IRS hadn't done a great deal of. We invested a great deal in those community navigators who were helping us get people to trust the things the government was doing again, like the Child Tax Credit, like Direct File, so that they could use it.We often think that Washington is going to be able to give messages to the country that people are going to hear. But we're both in a more complicated media environment, where people are far more skeptical of things that come from people in Washington. So the best people to advocate for and celebrate the things that we're doing are people who are closer to the communities we're trying to reach. In product advertising today, more companies are looking to influencers to advertise things, rather than putting an ad on television, because people trust the people that they follow. The same is true for the things that we do in government.Santi: I've talked to colleagues of yours in the last administration who say things like, “In the White House, we did not have a good enough sense of the shot clock.” They point to various reasons, including COVID, as a reason the admin didn't do a good enough job of prioritization.Do you think that's true, that across the administration, there was a missing sense of the shot clock or a missing sense of prioritization? No, because I'm a Lakers fan. These are professionals. We're professionals. This is not our first rodeo. We know how much time is on the shot clock; we played this game. The challenge wasn't just COVID. For me at Treasury — and I think this is the coolest part of being Deputy Secretary of the Treasury — I had responsibilities domestic and international. As I'm trying to modernize the IRS, to invest all my time in making the system work better for customers and to collect more taxes from the people who owe money, Russia invades Ukraine. I had to turn a bunch of my attention to thinking about what we were going to do there. Then you have Hamas attacking Israel.There was more we should have done on the domestic end, but we have to remember that part of the presidency is: you get to do the things you want to do, but you also have to do the things you have to do. We had a lot of things we had to do that we weren't planning for which required all-of-the-administration responses.I think the most important lesson I've learned about that is that it comes down to both being focused on the things that matter, and being willing to communicate to the American people why your priorities have to change in light of things that happen in the world.But the people I'm sure you've talked to, most of them work on domestic policy alone, and they probably never have been in a National Security Council meeting, where you're thinking about the risks to the country. The president has to do both of those things. So I get how difficult it is to do that, just given where I sat at the Treasury Department.Santi: Looking back from an implementation perspective, are there things you would've done differently during your time at Treasury?The most important thing that I would've done differently was to immediately set up a permanent implementation and delivery unit in the Treasury Department. We always like to pretend like the Treasury Department is just a policy department where we make policy, we collect taxes. But in any crisis the country ever has, a great deal of responsibility — for execution or implementation of whatever the response is — falls to the Treasury Department. Think about the financial crisis, which is clearly something that's in the Treasury's domain. The vast majority of money for COVID flowed through the Treasury Department. You think about the IRA, a climate bill: the vast majority of that money flows through the Treasury Department.And Treasury doesn't have a dedicated staff that's just focused on implementation: How do we do this well? How do we make sure the right people are served? How do we make sure that we communicate this well? We did this to a degree by a team that was focused on the American Rescue Plan. But it was only focused on the American Rescue Plan. If I could start again, I would have said, “I want a permanent implementation structure within the Treasury Department of people who are cross-cutting, who only think about how we execute the policies that we pass through Congress and that we put together through an executive order. How do we do that extremely well?”Kyla: What you're talking about is very people-centric: How do we get an implementation team, and how do we make sure that the right people are doing the right jobs? Now we have DOGE, which is less people-centric. How do you reconcile what Doge is doing relative to what you would've done differently in this role that you had?As you would suspect, I wasn't excited about the fact we had lost the election, but initially I thought DOGE could be helpful with technology. I think marrying technology with people — that's the key to success for the government. We've never really been great at doing technology in the government.Part of the reason for that is a procurement process that is very slow because of how the federal acquisition rules work. What we are trying to do is prevent corruption and also waste, fraud, and abuse. But what that does is, it leads to slowness in our ability to get the technology on board that we need, and in getting the right people.I was hoping DOGE would bring in people who knew a great deal about technology and put us in a position where we could use that to build better products for the American people. I thought they would love Direct File, and that they would find ways to improve Direct File and expand it to more Americans.My view is that any American in the working class or middle class should not have to pay a company to file their taxes. We have the ability in this country, and I think Direct File was proving that. My goal, if we'd had more time, was to expand this to almost any American being able to use it. I thought they'd be able to accelerate that by bringing in the right people, but also the right technology. We were on that path before they took those two things apart.My sense is that you have to reform the way that we hire people because it's too hard to hire the right people. In some cases, you don't need some of the people you have today because technology is going to require different skills to do different things. It's easier to break something, I found, than it is to build something. I think that's what they're finding today as well.Santi: When I talk to left-of-center folks about the DOGE push, they tend to be skeptical about the idea that AI or modern technology can replace existing federal workers. I think some of that is a natural backlash to the extreme partisan coding of DOGE, and the fact that they're firing a lot of people very quickly. But what's your view? After DOGE, what kinds of roles would you like to see automated?Let me say: I disagree with the view that DOGE and technology can't replace some of the things that federal workers do today. My view is that “productivity enhancing” tech — it's not that it is going to make employees who are currently doing the job more productive. It is going to mean you need fewer employees. We have to be honest about that.Go to the IRS, for example. When I got there, we had a huge paper backlog at the IRS because, despite what most people think, millions of people still file their taxes by paper, and they send them to the IRS. And during the pandemic, the commissioner, who was then working for President Trump, decided to shut down the IRS for public health reasons — to make sure employees did not have to risk getting COVID.There were piles of paper backing up, so much so that they had filled cafeterias at the IRS facilities with huge piles of paper. The problem, of course, is that, unlike modern systems, you could not just machine-read those papers and put them into our systems. Much of that required humans to code those papers into the system by hand. There is no need in the 21st century for that to happen, so one of the things that we started to do was introduce this simple thing called scanning, where you would scan the papers — I know it sounds like a novel idea. That would help you get people's tax returns faster into the system, but also get checks out quickly, and allow us to see if people are underpaying their taxes, because we can use that data with a modern system. But over time, what would that mean? We'd need fewer people to enter the data from those forms.When we get money for the IRS from Congress, it is actually seen as revenue-raising because they expect it to bring down the debt and deficit, which is completely true. But the model Congress uses to do that is reliant on the number of full-time employees we hire. One challenge we have with the IRS — and in government systems in general — is that you don't get credit for technology investments that should improve your return on investment.So whenever we did the ROI calculations for the IRS, the Congressional Budget Office would calculate how much revenue we'd bring in, and it was always based on the number of people you had doing enforcement work that would lead to certain dollars coming in. So we got no credit for the technology investments. Which was absolutely the opposite of what we knew would be true: the more you invested in technology, the more likely you were to bring in more revenue, and you would be able to cut the cost of employees.Santi: If the CBO changed the way it scored technology improvements, would more Congresspeople be interested in funding technology?It is just a CBO issue. It's one we've tried to talk to them about over the last several years, but one where they've been unwilling to move. My view is that unlocking this will unlock greater investment in technology in a place like the IRS, because every dollar you invest in technology — I think — would earn back $10 in additional tax revenue we'd be able to collect from people who are skipping out on their taxes today. It's far more valuable to invest in that technology than to grow the number of employees working in enforcement at the IRS. You need both, but you can't say that a person is worth 5x their salary in revenue and that technology is worth 0. That makes no sense.Kyla: When we spoke about Direct File many months ago, people in my comment section were super excited and saying things like, “I just want the government to tell me how much money I owe.” When you think about the implementation of Direct File, what went right, and how do you think it has evolved?The thing that went right was that we proved that we could build something quite easily, and we built it ourselves, unlike many technology projects in government. We didn't go out and hire a bunch of consultants and contractors to do it. We did it with people at the IRS, but also with people from 18F and from GSA who worked in the government. We did it in partnership with a number of stakeholders outside the government who gave us advice, but the build was done by us.The reason that was important — and the reason it's important to build more things internally rather than hiring consulting firms or other people to build it — is that you then have the intellectual capital from building that, and that can be used to build other things. This was one product, but my view is that I want the IRS home page to one day look a lot more like the screen on your iPhone, so that you can click on the app on the IRS homepage that can help you, depending on what you need — if it's a Direct File, or if it's a tax transcript.By building Direct File internally, we were getting closer to that, and the user scores on the effectiveness of the tool and the ability to use it were through the roof. Even for a private sector company, it would've been seen as a great success. In the first year, we launched late in the filing season, mostly just to test the product, but also to build stakeholder support for it. In the limited release, 140,000 people used it. The average user said that before Direct File, it took them about 13 hours to file their taxes, and with Direct File, it took them just over an hour to file their taxes.But you also have to think about how much money the average American spends filing their taxes: about $200. That's $200 that a family making under $100,000 could invest in their kids, in paying some bills, rather than in filing their taxes.Even this year, with no advertising by the Trump administration of Direct File, we had more than 300,000 people use it. The user scores for the product were above 85%. The challenge, of course, is that instead of DOGE investing in improving the product — which was a place where you could have seen real intellectual capital go to work and make something that works for all Americans — they've decided to discontinue Direct File. [NB: There has been widespread reporting that the administration plans to discontinue Direct File. The GOP tax bill passed by the House would end Direct File if it becomes law. At the time of publication, the Direct File has not been discontinued.]The sad part is that when you think about where we are as a country, this is a tool that could both save people money, save people time, improve our ability to collect taxes, and is something that exists in almost every other developed economy. It makes no sense to me why you would end something like this rather than continue to develop it.Santi: People remember the failure of healthcare.gov, which crashed when it was rolled out all at once to everyone in the country. It was an embarrassing episode for the Obama administration, and political actors in that administration learned they had to pilot things and roll them out in phases.Is there a tension between that instinct — to test things slowly, to roll them out to a select group of users, and then to add users in following cycles — Is there a tension between that and trying to implement quickly, so that people see the benefit of the work you're doing?One of my bosses in the Obama administration was Jeff Zients, the person who was brought in to fix healthcare.gov. He relentlessly focused on execution. He always made the point that it's easy to come up with a strategy to some degree: you can figure out what the policy solution is. But the difference between good and great is how you execute against it. I think there is some tension there, but not as much as you would think.Once we were able to show that the pilot was a success, I got invited to states all over the country, like Maryland, to announce that they were joining Direct File the next year. These members of Congress wanted to do Direct File events telling people in their state, “This product that's worked so well elsewhere is coming to us next.” It gave us the ability to celebrate the success.I learned the lesson not just from Zients, but also from then-professor Elizabeth Warren, whom I worked for as chief of staff at the CFPB. One challenge we had at the CFPB was to build a complaint hotline, at that point mostly phone-operated, for people who were suffering. They said it would take us at least a year to build out all the product functions we need. We decided to take a modular approach and say, “How long would it take for us to build the system for one product? Let's try that and see how that works. We'll do a test.”It was successful, and we were able to use that to tell the story about the CFPB and what it would do, not just for mortgages, but for all these other products. We built user interest in the complaint hotline, in a way that we couldn't have if we'd waited to build the whole thing at once. While I think you're right that there is some tension between getting everyone to feel it right away and piloting; if the pilot is successful, it also gives you the opportunity to go out and sell this thing to people and say, “Here's what people who did the pilot are saying about this product.”I remember someone in Texas who was willing to do a direct-to-camera and talk about the ways that Direct File was so easy for them to use. It gets back to my point on message and messenger. Deputy Secretary Adeyemo telling you about this great thing the government did is one thing. But an American who looks like you, who's a nurse, who's a mom of two kids, telling you that this product actually worked for her: That's something that more people identify with.Healthcare.gov taught us the lesson of piloting and doing things in a modular way. This is what companies have been doing for decades. If it's worked for them, I think it can work for the government too.Santi: I'm a fan of Direct File, personally. I don't want this administration to kill it. But I was looking through some of the criticism that Direct File got: for instance, there's criticism about it rivaling the IRS Free File program, which is another IRS program that partners with nonprofits to help some folks file their taxes for free.Then there's this broader philosophical criticism: “I don't want the feds telling me how much I owe them.” The idea is that the government is incentivized to squeeze every last dollar out of you.I'm curious what you make of that, in part because I spoke recently to an American who worked on building e-government systems for Estonia. One of the things that has allowed Estonia to build cutting-edge digital systems in the government is that Estonia is a small and very high-trust society. Everybody's one degree of separation from everybody else.We're a much bigger and more diverse country. How do you think that affects the federal government's ability to build tools like Direct File?I think it affects it a lot, and it gets back to my point: not just the message but the messenger. I saw this not just with Direct File, but with the Advanced Child Tax Credit, which was intended to help kids who were living in poverty, but also families overall. What we found initially in the data was that, among families that didn't have to file taxes because they made too little, many of them were unwilling to take advantage of Direct File and the Advanced Child Tax Credit because they couldn't believe the government was doing something to just help them. I spent a lot of time with priests, pastors, and other community leaders in many of the communities where people were under-filing to try and get them to talk about this program and why it was something that they should apply for.One of the challenges we suffer from right now in America, overall, is a lack of trust in institutions. You have to really go local and try to rebuild that trust.That also speaks to taking a pilot approach that goes slower in some cases. Some of the criticism we got was, “Why don't you just fill out this form for us and then just send it to us, so that Direct File is just me pressing a button so I can pay my taxes?”Part of the challenge for us in doing that is a technology challenge: we are not there technologically. But the other problem is a trust problem. If I were to just fill out your taxes for you and send them to you, I think people, at this stage, would distrust the government and distrust the technology.Direct File had to be on a journey with people, showing people, “If I put in this information, it accurately sends me back my check.” As people develop more trust, we can also add more features to it that I think people will trust. But the key has to be: how do you earn that trust over time?We can't expect that if we put out a product that looks like something the Estonian government or Australia would put out, that people would trust it at this point. We have to realize that we are on a journey to regain the trust of the American people.The government can and will work for them, and Direct File was a part of that. We started to demonstrate that with that product because the people who used it in these communities became the spokespeople for it in a better way than I ever could be, than the Secretary or the President could be.Everyone knows that they need to pay their taxes because it's part of their responsibility living in this country. The things that make people the most upset is the fact that there are people who don't pay their taxes. We committed that we were going to go after them.The second frustration was: “Why do you make it so hard for me to pay my taxes? Why can't I get through to you on the phone line? Why do I have to pay somebody else to do my taxes?” Our goal was to solve those two problems by investing money and going after the people who just decided they weren't going to pay, but also by making it as easy as possible for you to pay your taxes and for most people, to get that tax refund as quickly as possible.But doing that was about going on a journey with people, about regaining their trust in an institution that mattered to them a great deal because 90 something-percent of the money that funds our government comes in through the IRS.Kyla: You have a piece out in Foreign Affairs called “Make Moscow Pay,” and what I found most interesting about that essay is that you said Europe needs to step it up because the United States won't. Talk through the role of Treasury in financial sanctions, and your reasons for writing this piece.People often think about the Treasury Department as doing a few things. One is working with Wall Street; another one is collecting your taxes. Most people don't think about the fact that the Treasury Department is a major part of the National Security Committee, because we have these tools called financial sections.They use the power of the dollar to try and change the behavior of foreign actors who are taking steps that aren't consistent with our national security interests. A great example of this is what we did with regard to Russia — saying that we're going to cut off Russian banks from the US financial system, which means that you can't transact in US dollars.The problem for any bank that can transact in dollars is that the backbone of most of the financial world is built on the US dollar. It increases their cost, it makes it more difficult for them to transact, and makes it harder for them to be part of the global economy, nearly impossible.And that's what we've done in lots of cases when it comes to Russia. We have financial sanction programs that touch all over the world, from Venezuela to Afghanistan. The US government, since 9/11, has used sanctions as one of its primary tools of impacting foreign policy. Some of them have gone well, some of them I think haven't gone as well, and there's a need for us to think through how we use those policies.Santi: What makes sanctions an effective tool? Positions on sanctions don't line up neatly on partisan lines. Sanctions have a mixed track record, and you'll have Republicans who say sanctions have failed, and you'll have Democrats say sanctions have been an effective tool, and vice versa.The way I think about sanctions is that they are intended to bring change, and the only way that they work is that they're part of an overarching foreign policy strategy. That type of behavior change was what we saw when Iran came to the table and wanted to negotiate a way to reduce sanctions in exchange for limits on their nuclear program. That's the type of behavior change we're trying to accomplish with sanctions, but you can't do it with sanctions alone. You need a foreign policy strategy. We didn't do it by the United States confronting Iran; we got our allies and partners to work together with us. When I came into office in 2021, Secretary Yellen asked me to do a review of our sanctions policies — what's worked, what hasn't — because it had been 20 years since the 9/11 attacks.And the most important lesson I learned was that the sanctions programs that were the most effective were the ones we did on a multilateral basis — so we did it with our friends and allies. Part of the reason for this is that while the dollar is the most dominant currency around the world, oftentimes if you can't do something in dollars, you do it in a euro, or you do it in a Japanese yen, or pound sterling.The benefit of having allies all over the world is that the dominant, convertible currencies in the world are controlled by allies and partners. When we acted together with them, we were more effective in curtailing the economic activity of our adversary, and our pressure is more likely to lead to them changing their behavior.We had to be very cautious about collateral damage. You might be targeting an individual, but by targeting that individual, you might make it harder for a company they're affiliated with to continue doing business, or for a country that they're in to get access to banking services. Let's say that you're a huge bank in America, and you're worried about sanctions risk in a small country where you do little business. Why not pull out, rather than having to put in place a huge compliance program? One of the challenges that we have is that the people who make the decisions about whether to extend sanctions don't necessarily spend a lot of time thinking about some of these economic consequences of the sanctions approach.Whenever I was around the table and we were making a decision about using weapons, there was a process that was very elaborate that ended up with something going to the president. You'd often think about kinetic force very seriously, because you were going to have to get the president to make a decision. We didn't always take that kind of rigor when it came to thinking about using our sanctions policy, but the impact on the lives of people in these countries was just as significant for their access to not only money, but to food and to the resources they needed to live.Santi: What do you make of the effectiveness of the initial sanctions on Russia after the invasion of Ukraine? I've heard mixed reviews from folks inside and outside the Biden administration.Sanctions, again, to my point, are only a tool. They've had to be part of a larger strategy, and I think those sanctions were quite effective. I think the saving grace for the Russians has been the fact that China has largely been able and willing to give them access to the things they need to continue to perpetuate.There was a choice for Ukraine, but when you think about Russia's economy today vs. Russia's economy before the sanctions were put in place, it's vastly different. Inflation in Russia still runs far higher than inflation anywhere else in the world. If you were a Russian citizen, you would feel the impacts of sanctions.The challenge, of course, is that it hasn't changed Vladimir Putin's behavior or the behavior of the Kremlin, largely because they've had access to the goods and supplies they need from China, Iran, and North Korea. But over time, it means Russia's economy is becoming less competitive. They have less access to resources; they're going to struggle.I think everyone hoped that sanctions would immediately change the calculus of the Kremlin, but we've never seen that to be the case. When sanctions are effective, they take time, because the economic consequences continue to compound over time, and they have to be part of a larger strategy for the behavior of the individual. That's why I wrote the article, because while the Kremlin and Russia are under pressure, their view is that ultimately the West is going to get tired of supporting Ukraine, financially and politically, because the economic consequences for us — while not as significant as for Moscow or for Kiev — have been quite significant, when you think about the cost of living issues in Europe.I think it's important to write this now, when it appears that Russia is stalling on negotiations, because ultimately, US financial support is waning. We just know that the Trump administration is not willing to put more money into Ukraine, so Europe is going to have to do more, at a time when their economic situation is quite complicated as well.They've got a lot to do to build up their economy and their military-industrial base. Asking them to also increase their support for Ukraine at the same time is going to be quite difficult. So using this money that Russia owes to Ukraine — because they owe them compensation at this moment — can be quite influential in helping support the Ukrainians, but also changing Russia's calculus with regard to the ability of Ukraine to sustain itself.Kyla: On CNBC about a month ago, you said if we ever have a recession over the next couple of months or so, it would be a self-inflicted one. Do you still resonate with that idea? To build on the point I was making, the economy has done quite well over the course of the first few months of the year, largely because of the strength of the consumer, where our balance sheets are still quite strong. Companies in America have done well. The biggest headwind the US economy faces has been self-inflicted by the tariffs the president has put on. Part of what I still do is talk to CEOs of companies, big and small. Small businesses feel the impact of this even more than the big businesses. What they tell me is that it's not just the tariffs and the fact that they are making it more expensive for them to get the goods that they need, but it's the uncertainty created by the off-again, on-again, nature of those tariffs that makes it impossible for them to plan for what supplies they're going to get the next quarter. How are they going to fulfill their orders? What employees are they going to need? It's having a real impact on the performance of these companies, but also their ability to hire people and plan for the future.If you go to the grocery store, you're going to start seeing — and you're starting to see already — price increases. The thing that Americans care most about is, the cost of living is just too high. You're at the grocery store, as you're shopping for your kids for the summer, you're going to see costs go up because of a self-imposed tax we've put in place. So I still do think that if we do find ourselves in a recession, it's going to be because of the tariffs we've put in place.Even if we don't enter a technical recession, what we're seeing now is that those tariffs are going to raise the cost for people when they go out to buy things. It's going to raise the cost of building homes, which is going to make it harder for people to get houses, which is ultimately going to have an impact on the economy that isn't what I think the president or anyone wants at this point.Kyla: Is there anything else we haven't asked about? I think the place where we continue, as a country, to struggle is that, given the federal system we have, many of these problems aren't just in Washington — they're in state and local governments as well. When you think about the challenges to building more housing in this country, you can't just solve it by doing things at the federal level. You have to get state and local governments unified in taking a proactive approach. Part of this has to be not just financial or regulatory from the federal government, but we have to do more things that force state and local governments to get out of the way of people being able to build more housing. I think that the conversations that you've had on your show, and the conversations we're having in government, need to move past our regular policy conversations of: “Should we do more on LIHTC? Should we try to fix NEPA?” Those, to me, are table stakes, and we're in the middle of what I'd say is a generational crisis when it comes to housing. We have to be willing to treat it like a crisis, rather than what I think we've done so far, which is take incremental steps at different levels to try and solve this. That's one thing that I wanted to make sure that I said, because I think it's the most important thing that we can do at the moment.Kyla: Absolutely. During your time there, the Treasury was doing so much with zoning reform, with financial incentives. What I really liked about our last conversation was how much you talked about how important it is that workers can live close to work. Are you optimistic that we will be able to address the problem, or do you think we are sinking into quicksand?I'd say a little bit of both, and the thing that I'm doing now is getting hyperlocal. One of the projects I'm working on in my post-administration life is I'm working with 15 churches in D.C., where they have vacant land and want to use it to build affordable housing as quickly as possible.I'm learning that even when you have the land donated for free and you're willing to work as quickly as possible, it's still quite hard because you have regulations and financial issues that often get in the way of building things. Part of what we have to do now is just launch as many natural experiments as possible to see what works.What I've learned already from this lived experience is that even cities that are trying to get out of the way and make it easier to build housing struggle because of what you all know to be true, which is that the local politics of this is quite complicated. Oftentimes, the way that you get them over the line is by creating incentives or disincentives.In the past, I talked a lot about incentives in terms of “giving people money to do things.” I'm now in favor of “not giving money to people who don't do things” — if you don't take steps to fix your zoning, some of the federal money that you regularly get is not coming to your jurisdiction. I'm going to reallocate that money to places that are doing this activity. I think we have to take those types of radical steps.It's similar to what we did with the Emergency Rental Assistance Program, where if you didn't spend your money, we could take your money back and reallocate it to people who were giving away emergency rental assistance money.That motivates people a lot — when they feel like something's going to be taken away from them. I'm of the view that we have to find more radical things that we can do to get housing built. If we don't, costs will continue to rise faster than people's incomes.Santi: Wally, I have to ask after that point you just made: did you read the paper by my colleague Chris Elmendorf on using LIHTC funds? The idea is to re-allocate those federal funds away from big, expensive cities and into other places in a state, if the cities don't commit to basic zoning reforms.I completely agree with him, and I think I would go even further than just LIHTC money. I would reallocate non-housing money as well, because from my standpoint, if you think about the most important issue for a family, it's being able to find housing that is affordable near their place of work and where their kids go to school. I said that on purpose. I didn't say “affordable housing.” I said “housing that is affordable,” because affordable housing is, in lots of ways, targeted towards a population of people who need it the most. But for even people who are middle income in this country, it crowds out their ability to pay for other things when housing costs continue to creep higher.The only way we solve that problem is if you get rid of restrictive zoning covenants and fix permitting. The natural thing that every city and state is thinking about right now is throwing more money at the problem. There's going to need to be money here, just in light of some of the headwinds, but it's going to be more costly and less effective if we don't fix the underlying issues that are making it hard to build housing where we want it.Right now in California, we're having a huge debate over what we do with infill housing in urban areas. A simple solution — you don't have to do another environmental review if one was already done in this area— is taking months to work through the California legislature, which demonstrates that we're going too slow. California's seeing an exodus of people. I just talked to a CEO who said, “I'm moving my business because the people who work for me can't afford to live in California anymore.” This is the kind of problem that you can solve. State legislatures, Congress, and executives have to get together and take some radical steps to make it easier to build housing.I appreciate what you said about what we were doing at Treasury, but from my standpoint, I wish we had done more earlier to focus on this issue. We had a lot going on, but fundamentally, the most important thing on housing is taking a step to try and build housing today, which is going to have an impact on the economy 10, 20, 30 years from now. We just have to start doing that as soon as possible.Thanks to Emma Hilbert for her transcript and audio edits. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.statecraft.pub

Marcus Musa Norman is a dynamic serial entrepreneur, podcast host, and U.S. Navy veteran who brings a unique blend of discipline, innovation, and passion to every venture he touches. Hailing from St. Croix in the Caribbean and now based in Virginia Beach, Marcus is the co-owner and operations manager of Lifeologie Counseling Hampton Roads, a rapidly growing mental health franchise. He is also the voice behind the Gentleman Style Podcast, where he interviews experts on unconventional paths to wealth and personal growth. With a background that spans real estate, cannabis dispensaries, and ATM businesses, Marcus's journey from military service to business leadership offers invaluable lessons for aspiring entrepreneurs147. On this episode we talk about: – How Marcus made his first dollar as a 10-year-old grocery store bagger and his most recent dollar as a mental health franchise owner – The transition from starting businesses from scratch to buying into a franchise model – The unique challenges and opportunities in the mental health industry, including scaling a new franchise and expanding into prescription management – Marcus's diverse entrepreneurial ventures, including real estate, ATM portfolios, and cannabis dispensaries with cutting-edge technology – The power of podcasting as a platform for learning, networking, and uncovering alternative investment strategies Top 3 Takeaways 1. Diversify your income streams: Marcus's journey shows that building wealth often means exploring multiple business models—from real estate and cannabis to mental health franchises—rather than relying solely on traditional investments. 2. Leverage your background and network: Skills honed in the military, such as leadership and adaptability, can be powerful assets in entrepreneurship. Strategic networking—like connecting with franchise brokers—can open doors to new opportunities. 3. Education and intentionality are key: Whether investing in alternative assets or starting a business, continuous learning and a clear plan are essential. Don't just avoid 401(k)s or traditional paths—educate yourself and act with purpose. Notable Quotes “If you help enough people, people will pay you for it.” “The money is better served in our hands as long as we educate ourselves and become more financially literate.” “Sink your teeth into something that you're passionate about. At the end of the day, it's still going to rise and fall based on your ability to make it rise or fall.”

出門旅遊最怕風不調、雨不順，路上有個萬一掉錢包、大意失護照、拿芝麻落行李，甚至和班機失之交臂⋯⋯究竟，旅途上出現的鳥事，是因為不巧遇上水逆還是自己不小心？ ＊911發生的當下正在北美領空⋯⋯ ＊在葡萄牙掉護照，不得已只好多飛一趟尼德蘭？！ ＊歐洲浪漫的碎石路，竟成了行李箱的天堂路 ～ ＊在哥本哈根街頭看著提款卡被 ATM 吃掉比較嚇人，還是在希臘被搶錢包比較驚悚？ ＊在國外自駕，關於『加油』這件事，你是Ｐ人還是Ｊ人？ ㊣ 合作聯繫： bsidetravel3@gmail.com ㊣ 臉書粉專：http://www.facebook.com/BsidetravelstoriesFB ㊣ IG 帳號：http://www.instagram.com/bsidetravelstories ㊣ Youtube：https://www.youtube.com/@BsideTravelStories ☆訂閱、追蹤、關注「B面旅遊」，每週三讓聲音帶你看見世界☆ ★喜歡請給五星評價，並告訴我們你對這一集的想法：： https://open.firstory.me/user/ckie5fyeu0qyx09922pp3iabv/comments Powered by Firstory Hosting

- We give out $1,200 with the K92 $10,000 ATM!!- Not Today Tuesday: Antoine rants about unruly children- Group Therapy: Hanna gets reprimanded for her hair at work

While everyday Americans are feeling the squeeze, Trump and his family are raking it in...again. From crypto cash grabs to overseas real estate deals, multiple reports now confirm what we already suspected: Donald Trump has been using the presidency as his personal ATM, and the whole family's cashing checks. Meanwhile, he's slashing programs that actually help people, like healthcare, food assistance, and housing support, because apparently the only thing worth funding is his own bottom line. Let's follow the money, the hypocrisy, and the receipts. Because public service was never the goal...it was always the grift. Let's get into it.

For a LONG time I didn't pay much attention my branding because of 2 reasons: #1 - I thought it had little to no impact on my sales. ❌WRONG❌ #2 - I didn't really UNDERSTAND how to brand myself to attract high-caliber clients.

你吃的魚油有感嗎?最美台長林書煒真心推薦「新普利有橄魚油」不只83%高濃度!阿拉斯加真鱈來源Omega-3搭配冷壓初榨橄欖油Omega-9黃金比例3比1研究支持更健康讓你的魚油真有感新上市好評熱賣中 https://fstry.pse.is/7mlasq —— 以上為播客煮與 Firstory Podcast 廣告 —— 近期中國媒體報導，中國的ATM機台只剩下80萬台，在5年內銳減了將近3成，甚至有千禧年後出生的大學生，表示自己這輩子從沒用過ATM，會出現這樣的情形，主要是因為電子支付興起，中國民眾的支付習慣也正在經歷轉變。 留言告訴我你對這一集的想法： https://open.firstory.me/user/cku2d315gwbbo0947nezjmg86/comments YT收看《寰宇全視界》

This week we'll meeting the best cops in the business; one who loves to waltz in and take all your drugs, and the other who loves a bit of ATM. Yes it's Tango and Cash!Joining me to get FUBAR BIG TIME is Kate McCabe.  Become a member at https://plus.acast.com/s/smershpod. Hosted on Acast. See acast.com/privacy for more information.

01. Atmøsphäre - Dream Sequence I [Atlantea Records] 02. Kasey Taylor, Gai Barone - Passing Over the Clouds feat. Wilma (AU) [Meanwhile] 03. Carlos Bacchus & Sebas Ramos - Occident (Original Mix) [Sunexplosion] 04. Fran Garay - Eau Rouge (DJ Ruby Remix) [PURRFECTION] 05. Jackspot - Null (Montw Alternative Remix) [Mango Alley] 06. Michael A - From Earth to Mars (Original Mix) [Protagonist Recordings] 07. Wassu - You Make Me Feel (Kasey Taylor Extended Mix) [Musique de Lune] 08. Mike Rish - Sunset on Mars [Meanwhile] 09. Neuralis - The Path (Luca Abayan Remix) [Transensations Records] 10. Paul Thomas, Das Pharaoh - Dale (Ruben Karapetyan Remix) [UV] 11. Waxman (CA), EDGER - When I'm Gone (Ranj Kaler's Unchained Remix) [Stripped Digital] 12. Ákos Győrfy - Skyfall (Ranj Kaler's Nibiru Remix) [Massive Harmony Records]

Your sister and niece hijacked the family business through fear and fraud, and you've got the evidence. Time for a corporate coup? It's Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Jordan's must reads (including books from this episode): AcceleratEdFull show notes and resources can be found here: jordanharbinger.com/1159On This Week's Feedback Friday:Where in the world is Gabe?Your mom built a thriving manufacturing empire from the ashes of debt, but now your sister and niece are treating it like their personal ATM while threatening employees who dare speak up. You've gathered evidence of their financial misconduct and assembled a team to remove them. Can you pull off this corporate coup?Your ex-husband's girlfriend kicks him out at 3 a.m., makes him drive two hours to babysit her kids, then accuses him of ruining their lives — and he keeps going back. Despite being good friends with your ex, your attempts to help him see the dysfunction have failed. How do you save someone from their own toxic cycle?Your friends bought your business, immediately got hit with $30K in bank fraud, and now Bank of America says "Sorry, you didn't catch it in 24 hours." Do small businesses have any recourse when big banks play dirty?You've been focused on your career and building a business. Meanwhile, after 10 years together, your boyfriend's gotten messier, lazier, and won't talk finances. Are you wasting your prime years on someone who won't ever level up?Recommendation of the Week: American HollowYou conquered addiction, survived open-heart surgery, and rebuilt every burned bridge with your kids through consistent actions. Now you're itching to move abroad, but will chasing your travel dreams undo all that hard-won trust?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:No Story Lost: $350 savings: nostorylost.com, code JORDANAudible: Visit audible.com/jhs or text JHS to 500-500DeleteMe: 20% off: joindeleteme.com/jordan, code JORDANHomes.com: Find your home: homes.comLand Rover Defender: landroverusa.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's Flash Back Friday episode is from #735 that originally aired on April 29, 2024. Mark Khuri has been an avid real estate investor for over 18 years and throughout his career has invested in over 45 commercial real estate opportunities across numerous asset classes including mobile home parks, self-storage facilities, multi-family communities, retail shopping centers, oil wells, student housing, vacant land, short-term debt and ATM's representing more than $1.5 billion of combined value. Highlights: 6:19 - Mark's Favorite Asset Type 11:32 - The Affordable Housing Shortage 14:32 - Adapting to Uncertainties 18:26 - Tax Exempt Departments 21:10 - Tips on Communication w/Investors Quote: "I'm always trying to find something unique. -Usually there is a story."   Contact Mark Khuri: smkcap.com   Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

In this episode of The Jerich Show, Erich Kron and Javvad Malik dive headfirst into the week's most curious, cringeworthy, and critical cybersecurity stories. First up: a global honeypot powered by over 5,300 compromised Cisco devices—courtesy of the ViciousTrap botnet. Then, it's schadenfreude central as the developers of DanaBot malware accidentally infect themselves. Karma, meet keyboard. We'll also unpack Europol's massive takedown of ransomware infrastructure, which led to the seizure of 300 servers and €3.5 million in crypto. Not to be outdone, two ATM heist suspects made their arrest even easier... by taking selfies mid-crime. And finally, the UK's NCSC shows us how to securely retire old tech—because tossing servers in the skip just isn't secure policy. Join Erich and Javvad for sharp takes, security snark, and the cybersecurity fails you'll want to learn from (or at least laugh at).

Chris Timms and Scott Pugh catch up to discuss what's been happening in the South East Asia Trail Season and some of the races they've been running around the regionRaces we cover:Silabur cave trailPenang 50k ATM and 30k Skyrace Bali Trail running UltraRinjani Checkout https://www.asiatrailmaster.com/ for upcoming races in SEA..Other discussionsDavid Roche 140g per houQuicksilver Endurance RunGoal setting for racesNatalie Dau Project1000, Russ Cook, William Goodge

In this episode, Sue and Kurt give us a broad overview of the NASA's ATM-x Project and how it fits into the Advanced Air Mobility market. We talk about the main challenges NASA sees when integrating eVTOL aircraft into existing airspace and how ATM-x approaches the concept of scalable, automated air traffic management for urban air mobilty. We also ask Kurt and Sue's thoughts on vertiports with current airport infrastructure and what types of simulations are under way within the ATM-x program. Kurt describes a typical scenario or test use case for low-altitude air traffic and Sue answers how NASA is collaborating with the FAA, OEMs and industry partners.

> Fire destroys the South's largest remaining antebellum mansion. > A burglar got trapped inside a house he was robbing and called 911 to get help escaping.> Detroit woman live streams herself road raging and crashing into another car on Detroit's west side.> A group tried to blow up an ATM to steal the cash.> A suspect tried to hide from police under a blanket in the middle of the floor. > Top 10 Restaurants in Detroit YOU must check out this summer.Join Kris and friends as they dive into fun discussions on pop culture, music, trending topics, and everything in between! Whether you're looking for laughs, hot takes, or just something to vibe to, KrisCross Corner has got you covered. 

So many leaders are burned out—checking all the boxes, meeting expectations, and still feeling stuck. Pallavi Jain wants to change that. As a seasoned HR executive and the creator of the Lead From Within program, she helps people step out of survival mode and reconnect with who they truly are—and how they want to lead and be known.In this episode of Branding Room Only, Paula Edgar sits down with Pallavi to explore why personal branding starts with self-leadership. They trace Pallavi's path from engineer to HR leader and unpack how her lived experiences—and inner transformation—shaped both her leadership philosophy and personal brand.Pallavi shares her signature ATM Framework—a practical, powerful approach to building presence, taking responsibility, and making intentional choices. They also explore how identity, memory, and even generational trauma can shape—or distort—how we show up in the world.This isn't a conversation about polished personas or performative leadership. It's about doing the real, internal work to build an authentic, resilient brand—rooted in clarity, alignment, and joy.1:12 – Pallavi's personal branding definition, self-description, favorite childhood quote, and energizing songs5:37 – The influence of Pallavi's upbringing on her brand and her career path from engineering to HR leadership8:30 – What led to the creation of Pallavi's Lead From Within program and ATM framework10:17 – Pallavi's tips for building your personal branding with authenticity and the impact of lived experiences on your brand 17:33 – The premise of Pallavi's program and framework, and how they help strengthen personal growth and empowerment21:03 – The three steps of the ATM framework and the benefit of consistently implementing it 29:20 – Common mistakes from not leading from within that lead to burnout and ineffectiveness36:18 – How traumatic memories can impact your perception and those of generations to follow40:20 – Why organizations should incorporate the ATM framework45:18 - A breakthrough Pallavi achieved from using her framework and how to start tapping into the power within you49:15 – What Pallavi will never do to compromise her personal brand and the magic she brings to a standing-room-onlyMentioned In Lead From Within to Stop Surviving and Start Leading with Pallavi JainPallavi Jain The A.T.M. Framework For Personal Growth | Pallavi Jain | TEDxWilmingtonSalon2025 Intention and Goal Setting WebinarLearn More About Paula's Personal Branding Strategy Session OfferHelp others find the podcast. Subscribe and leave a quick review.Join Paula's newsletter for expert tips and exclusive content! Subscribe HereSponsor for this episodePGE Consulting Group LLC empowers individuals and organizations to lead with purpose, presence, and impact. Specializing in leadership development and personal branding, we offer keynotes, custom programming, consulting, and strategic advising—all designed to elevate influence and performance at every level.Founded and led by Paula Edgar, our work centers on practical strategies that enhance professional development, strengthen workplace culture, and drive meaningful, measurable change.To learn more about Paula and her services, go to www.paulaedgar.com or contact her at info@paulaedgar.com, and follow Paula Edgar and the PGE Consulting Group LLC on LinkedIn.

ATM fees, checking account fees, airport baggage fees... it adds up. It may pale in comparison to the fees you will pay in retirement. How does Golden Reserve fight it? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

I started using an ATM to do my banking back in the late 1970s. Back then, they were extremely convenient. Lately, it seems like anything but convenient. I don't visit a kiosk very often, thanks to digital and online payments. Now I use them for an occasional deposit when someone writes me a check, or if I need cash. Like most people, I don't carry much money anymore. So I only use an ATM three or four times a year. While the technology has improved in some machines, there always seems to be some minor issue. And anytime I need one, they're often temporarily out of service... Click Here To Subscribe Apple PodcastsSpotifyAmazon MusicGoogle PodcastsTuneIniHeartRadioPandoraDeezerBlubrryBullhornCastBoxCastrofyyd.deGaanaiVooxListen NotesmyTuner RadioOvercastOwlTailPlayer.fmPocketCastsPodbayPodbeanPodcast AddictPodcast IndexPodcast RepublicPodchaserPodfanPodtailRadio PublicRadio.comReason.fmRSSRadioVurblWe.foYandex jQuery(document).ready(function($) { 'use strict'; $('#podcast-subscribe-button-13292 .podcast-subscribe-button.modal-683f18e3d2798').on("click", function() { $("#secondline-psb-subs-modal.modal-683f18e3d2798.modal.secondline-modal-683f18e3d2798").modal({ fadeDuration: 250, closeText: '', }); return false; }); });

It's not a coincidence I sold a multiple 5 figure offer & it felt EASY PEASY LEMON SQUEEZY

In this episode, we sit down with Olivia Starling, a remarkable entrepreneur who built a seven-figure jewelry brand starting with just $300 on a credit card. Olivia shares her incredible journey from corporate employee to successful business owner, revealing how she mastered email marketing to create a business that ultimately led to features on Good Morning America and The View before being acquired. Now teaching others her proven methods, Olivia offers invaluable insights on building an email list that functions "like an ATM" and creating authentic connections with customers.Episode Topics:Olivia's journey from corporate marketing to launching her own jewelry businessHow she built a seven-figure brand starting with just $300The power of influencer marketing to jumpstart a businessBuilding and maintaining an engaged email list of 147,000 subscribersEmail marketing strategies that drive consistent salesThe importance of reinvesting profits for business growthFinding balance between business reinvestment and personal compensationTransitioning from product-based business to teaching othersInsights:Start with what you have: Olivia launched her business with just $300 on a credit card, showing that limited resources aren't a barrier to entryReinvest aggressively: In the early stages, Olivia reinvested nearly all profits back into inventory and growthCreate scarcity marketing: Limited inventory releases created excitement and urgency among customersLeverage email as your foundation: While social media following is valuable, email lists are assets you controlPersonalize every email: Using customer names increases open rates and engagementNever buy email lists: Build your list organically to ensure quality subscribers and better deliverabilityEngage in conversation: Ask questions that encourage replies to improve sender reputationBe authentically you: Share personal stories and your unique perspective to attract ideal customersBuild a personal brand alongside your business: One of Olivia's regrets was not building her personal email list while growing her businessHighlights:00:00 Welcome and Intro 00:13 Building a Successful Business from Scratch 02:53 Starting a Business Journey 05:44 Entrepreneurial Journey and Risk Taking 08:21 Personal Experience with Pregnancy and Business 10:03 Product Launch Strategy and Growth 13:31 Investment in Business and Personal Growth 15:50 Personal Compensation in Business Models 17:46 Email List Growth and Management 18:40 Email Marketing Strategies 20:08 Setting Up Email Marketing Systems 21:22 Building Relationships in Real Estate 24:06 Building Personal and Business Brands 27:17 Email Personalization and List Building 30:12 Email Deliverability and Engagement Strategies 32:52 Email Marketing and Personal Branding 35:26 Business Motivation and Course Accessibility 38:07 Mindset Shift in Entrepreneurship 39:26 Wim Hof Breathing Technique 40:48 Support and Resources for Learning 41:43 Podcast episode ended Resources:Flowdesk - Email marketing platform recommended for service-based businessesKlaviyo - Email marketing platform Olivia used for her product-based businessWim Hof breathing technique - Olivia's go-to practice for clarity and creativityReady to build your own email marketing strategy? Visit the show notes to learn more about Olivia's accessible courses designed to teach you the exact methods she...

Recession, crisis, tariffs, inflation—all these words circulating around the media and internet for the past few weeks have made many people uneasy and a little frightened about the future. Stories of an alarming nature are circulating daily, so if you're beginning to feel spooked, you're not alone. Whether or not a real economic crisis will happen is hard to predict, but setting some safeguards for your financial future can give you some solid peace during turbulent times.   Links: Set aside cash in a savings account for potential emergencies Explore our many Financial Planning Services Watch our Debt Reduction Webinar to learn how to put together your own debt reduction strategy  Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript:  Welcome to Money Tip Tuesday from the Making Money Personal podcast.   If you've been following the news lately, you're likely hearing alarming messages warning of a looming recession, empty store shelves, economic uncertainty, and the possibility of a global financial crisis.    Many of our brains are wondering how likely we are to experience these challenges and, if so, when.    First and foremost, it's crucial to stay calm. Remember, news stories are often sensationalized for attention-grabbing headlines, with little substance behind them.   This doesn't mean that there might not be some financial challenges coming down the pike, but the good news is that, we can take specific, measurable steps to safeguard our finances for the possibility that something might occur.   If you're feeling uneasy about your financial future, here are a few ways to safeguard your finances during economic challenges and even recessions.    Save money. If economic uncertainty increases, the chances of job loss, price increases, and unplanned expenses go up. Having money set aside for those purposes is not just wise, it's a crucial step towards feeling secure and prepared. Having money saved in an emergency fund can also keep you from relying on credit or dipping into retirement if you need money. It's wise to have some saved in an account you can easily withdraw from, and to even have a portion of it as cash at home in case there are tech disruptions, or you don't have the time to get to a bank or ATM.  Work to pay down excessive debt. When it comes to economic uncertainty, crippling debt can be a liability. Many Americans carry a variety of debts, but if your debt has become burdensome to the point that it's causing stress, you owe it to yourself to do something about it. Those carrying crippling debt don't have the freedom to adapt which proves so valuable during economically challenging times. To safeguard your financial health against economic challenges, it's important to start paying down your debt. Focus on an effective debt-reduction plan like the debt snowball or debt avalanche method. If you're unsure where to start, check out our debt reduction webinar on our YouTube channel for a practical and easy-to-follow debt-reduction strategy.  Don't panic and feel that you have to be fully debt-free to weather an economic storm. Instead, focus on minimizing your debt to free up more income for your needs as they arise.  Review existing investment portfolios. If you're worried about future economic challenges, it's a good time to look at your current portfolio. The point of this isn't to panic, but to determine whether it's time to make strategic moves in the market. Doing this can provide reassurance and a stronger sense of control. Economic factors impact investment and retirement accounts, so at times situations may arise to make adjustments. For those unfamiliar with investing and markets, it's ideal to sit down with a professional who can review everything and provide a custom assessment regarding your portfolio. Financial planners with investing experience can be excellent guides because they've been watching markets, can see trends, and have a comprehensive understanding of the various factors at play within the economy. If you're interested, Triangle's financial planning services offer expert advice on making the right investment moves in a volatile market. Visit trianglecu.org to explore resources for investing and preparing for the future.   Cut back on expenses and practice frugality. When times get lean, making the most of what you have, and cutting back on spending can give you an advantage. Practicing this gives you control over your money and lifestyle in a way that can shield you against the many unexpected possibilities like unemployment and rising prices. Unemployment isn't always a result of challenging economic times, but if history is any teacher, the likelihood of layoffs increases. Positioning your finances to shield yourself against a potential job loss is essential. Along with having an emergency fund and working to pay down debt, mentioned earlier, it may be worthwhile trying to cut back on unnecessary expenses. Use more of what you have, cut back on purchasing things you don't need, and get creative by substituting the purchase of expensive items and activities with more inexpensive ones.   Look for ways to build skills to help with everyday life. Sometimes, with some vision and creativity, you can turn a misfortune into an opportunity. Building new skills may be able to help relieve the economic burden. This may be the time to learn skills that can assist with providing for daily needs. Activities like gardening when done effectively, can help reduce food costs, and skills like clothes making or mending can make your current clothes last longer plus cut down on the need to purchase new ones. You can also explore other skills like simple car repairs, simple plumbing, home repair, wood working, construction and more. Building skills in these areas could open doors for opportunities to help yourself and others in a time of need. Explore some resources like DIY books, YouTube channels, or online groups to get instructions and advice from experienced people covering all kinds of projects. Plus, becoming proficient in new skills can also open doors to potential future income streams that would help supplement your existing income.   In times of financial uncertainty, taking proactive steps to secure your financial situation can provide a sense of control and stability. By saving money, reducing debt, and reassessing investments, you can better prepare for potential challenges ahead. Remember, staying informed and making thoughtful decisions now can lead to a more secure financial future, no matter what comes your way.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Why you should listenUnderstand why rigid RevOps systems are failing SaaS teams today—and what to build instead.Get actionable tips on using AI (like Clay and ChatGPT) to scale without losing your personal touch.Hear how Jacki uses LinkedIn like a "social butterfly" to create inbound interest through strategic commenting.Still clinging to outdated RevOps playbooks? You might be quietly killing your growth. In this episode of the Paul Higgins Podcast, I sit down with Jacki Leahy, the high-energy founder of Activate the Magic, to unpack why cold outbound is dead and how to build a future-proof revenue engine that actually works. Jacki shares her wild journey from kindergarten teacher to scaling a SaaS company from $350K to $9M ARR, and now helping early-stage SaaS founders create flexible, client-focused RevOps systems.Jacki doesn't pull punches. She breaks down how "best practices" are often security blankets, how to ditch broken systems in favor of experimentation, and how to use tools like LinkedIn, Clay, and AI agents to drive connection-first sales. If you want to future-proof your revenue and get bigger deals with less waste, this is your blueprint.About Jacki LeahyWith a unique journey from kindergarten teacher to BDR, Jacki found her true calling as an "Accidental Admin" at LinkSquares. As the 10th hire, she spearheaded the growth of the business development team, architecting the people, processes, and tech stack that catapulted ARR from $350K to $9M in 2 years.Since 2020, Jacki has been on the consulting side of startups as VP Operations at Eustace Consulting and Head of Revenue Operations at Winning by Design.She started ATM in August 2022, and lives in Boston MA with her mini dachshund Freddy.Resources and LinksActivatethemagic.comJacki's LinkedIn profilePrevious episode: 608 - Your Challenge Isn't Unique—But Your Response Is What Sets You ApartCheck out more episodes of the Paul Higgins PodcastSubscribe to our YouTube channel: @PaulHigginsMentoringJoin our newsletterSuggested resources

Ever wondered about the hidden scams that digital nomads encounter around the globe? In today's episode, hosts Jeff & Marisa share essential insights into scams and traps that nomads face on the road. Here's a sneak peek:

Tune in to hear a bunch of naughty confessions and then hear Kathy's and Erica's take on them. You'll heard first rom a a guy who is living out his girlfriend's cuckquean fantasies, then from a guy who was groomed to be a dom by a sub who has reed quested something super crazy from him, then from a guy who wound up in an all guy bukkake scenario after his wife died, the from a Erica about her recent DAP (Listen to find out what that means,) and then from a woman who found out her boyfriend is a crossdresser and she doesn't know what to do about it. Then you'll hear Kathy and Erica talk all about cuckqueaning and the time Erica had her hubby cuckquean her, exactly what went down and how and why cuckqueaning is no longer something she's into,  bdsm and age regression and how and why it can happen, the age regression act Erica engages in and when she engages in it, Erica's creampie fetish, jizzing in faces and what Kathy and thinks about it, why Erica loves when he hubby degrades her but not when others to do it, ATM (ass to mouth) play and how Erica feels about it, her double anal experience and exactly what went down and what went down afterwards, how and why keeping secrets is okay sometimes, how someone can best proceed when they stumble upon a partners secret plus a whole lot more. **To see HOT, anonymous pics of ERICA plus my other female guests + gain access to my PRIVATE Discord channel where people get super XX naughty + hear anonymous confessions + get all the episodes early and AD FREE, join my Patreon! It's only $7 a month and you can cancel at any time. You can sign up here: ⁠⁠⁠⁠⁠⁠https://www.patreon.com/StrictlyAnonymousPodcast⁠⁠⁠⁠⁠⁠ MY BOOK IS NOW OUT FOR PRE-ORDER!!!! Strictly Anonymous Confessions: Secret Sex Lives of Total Strangers. A bunch of short, super sexy, TRUE stories. GET YOUR COPY NOW: ⁠⁠⁠⁠⁠⁠https://amzn.to/4i7hBCd⁠⁠⁠⁠⁠⁠ To join SDC and get a FREE Trial! click here: ⁠⁠⁠⁠⁠⁠https://www.sdc.com/?ref=37712⁠⁠⁠⁠⁠⁠ or go to SDC.com and use my code 37712 Want to be on the show? Email me at ⁠⁠⁠⁠⁠⁠strictlyanonymouspodcast@gmail.com⁠⁠⁠⁠⁠⁠ or go to ⁠⁠⁠⁠⁠⁠http://www.strictlyanonymouspodcast.com⁠⁠⁠⁠⁠⁠ and click on "Be on the Show" Have something quick you want to confess while remaining anonymous? Call the CONFESSIONS hotline at 347-420-3579. You can call 24/7. All voices are changed. Sponsors: ⁠⁠https://bluechew.com⁠⁠⁠ Get your first month of the new Blewchew Max FREE! use code: STRICTLYANON ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://butterwellness.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠ For 20% off your Butter Wellness perineum massager use code STRICTLY ⁠⁠https://beducate.me/pd2512-anonymous⁠⁠ Use code anonymous to get an additional 10% off the campaign's current discount - that's 60% off Follow me! Instagram ⁠⁠⁠⁠⁠⁠https://www.instagram.com/strictanonymous/⁠⁠⁠⁠⁠⁠ Twitter ⁠⁠⁠⁠⁠⁠https://twitter.com/strictanonymous?lang=en⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠http://www.strictlyanonymouspodcast.com/⁠⁠⁠⁠⁠⁠ Everything else ⁠⁠⁠⁠⁠⁠https://linktr.ee/Strictlyanonymouspodcas⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on Normal World, Dave Landau, 1/4 Black Garrett, and Angela roast the 2025 Met Gala's “Black Dandyism” theme. Crispin checks in from the red carpet in radioactive couture while the crew breaks down absurd fashion choices—capes, canes, feathers, extravagant hats—and debates where “dandy” ends and a player-inspired look begins. The tone shifts as they unpack Diddy's high-profile court case: racketeering, criminal allegations, jury selection drama, and a controversial hotel video. They question media bias, Hollywood silence, and whether this is real accountability or just another distraction. Theories range from early release to escape, with comparisons to other disgraced figures in entertainment. From scandals and shady connections to sentencing speculation and courtroom antics, the team doesn't hold back. Dave also shares his near-heist involving a carnival ATM truck, reflecting on missed opportunities and bank bailouts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! Episodio exclusivo para suscriptores de Se Habla Español en Apple Podcasts, Spotify, iVoox y Patreon: Spotify: https://open.spotify.com/show/2E2vhVqLNtiO2TyOjfK987 Patreon: https://www.patreon.com/sehablaespanol Buy me a coffee: https://www.buymeacoffee.com/sehablaespanol/w/6450 Donaciones: https://paypal.me/sehablaespanol Contacto: sehablaespanolpodcast@gmail.com Facebook: www.facebook.com/sehablaespanolpodcast Twitter: @espanolpodcast CONTENIDO EXTRA Si estás escuchando este contenido extra, significa que eres suscriptor o suscriptora de Se Habla Español. Así que, antes de meternos en materia, muchas gracias por tu apoyo. Como la protagonista del episodio 240 es la presidenta de un banco, he pensado que sería una buena idea repasar el vocabulario relacionado con ese tema. Por lo tanto, vamos a aprender las palabras más importantes que necesitas conocer cuando vas a un banco, ya sea para abrir una cuenta, hacer un depósito, pedir un préstamo o realizar cualquier otro tipo de gestión. 1. La cuenta bancaria Cuando vas al banco, probablemente tu primera gestión será abrir una cuenta. Existen varios tipos de cuentas: Cuenta corriente: Es la cuenta que usas para manejar tu dinero a diario, hacer pagos y recibir ingresos. Cuenta de ahorros: Es una cuenta donde puedes ahorrar dinero y obtener intereses, que es un beneficio por tener tu dinero guardado. Cuenta corriente conjunta: Una cuenta que se comparte entre dos o más personas. 2. El cajero automático (ATM) El cajero automático (o ATM en inglés) es una máquina donde puedes retirar dinero sin necesidad de entrar al banco. También puedes hacer otras gestiones como consultar el saldo de tu cuenta o ingresar dinero (si el cajero lo permite). 3. La tarjeta bancaria Cuando tienes una cuenta, el banco te da una tarjeta bancaria. Hay dos tipos principales: Tarjeta de débito: Usas este tipo de tarjeta para pagar directamente con el dinero que tienes en tu cuenta. Tarjeta de crédito: Permite pedir prestado dinero al banco y pagarlo después, generalmente con intereses. 4. El saldo El saldo es el dinero que tienes disponible en tu cuenta en un momento dado. Puedes consultar el saldo de tu cuenta en un cajero automático o en línea a través de la banca en línea. 5. El préstamo Si necesitas dinero y no lo tienes, puedes pedir un préstamo al banco. Existen diferentes tipos de préstamos, como: Préstamo personal: Para gastos personales, como comprar un coche o hacer reformas en casa. Préstamo hipotecario: Si deseas comprar una casa, puedes pedir un préstamo con la propiedad como garantía. 6. El interés El interés es el porcentaje extra que pagas o recibes, dependiendo de si estás ahorrando o pidiendo un préstamo. Por ejemplo, si tienes una cuenta de ahorros, el banco te paga un interés por el dinero que ahorras allí. Si pides un préstamo, tendrás que pagar intereses por el dinero que te prestan. 7. El depósito Un depósito es cuando pones dinero en tu cuenta bancaria. Puede ser en efectivo o por transferencia desde otra cuenta. 8. La transferencia bancaria Una transferencia bancaria es cuando envías dinero de tu cuenta a otra cuenta, ya sea en el mismo banco o en otro banco. Puedes hacer transferencias nacionales e internacionales. 9. El extracto bancario El extracto bancario es un documento que te da el banco y que muestra todos los movimientos de tu cuenta: los ingresos, los pagos, las transferencias, los cargos, etc. 10. La firma Cuando haces una gestión importante en el banco, como abrir una cuenta o pedir un préstamo, es necesario firmar documentos. La firma es tu confirmación de que estás de acuerdo con los términos y condiciones. 11. El cambio de divisas Si viajas al extranjero, el banco puede ofrecerte cambio de divisas. Esto significa cambiar tu dinero de una moneda a otra, como de euros a dólares o de pesos a euros. 12. El número de cuenta Es el número único que te identifica en el banco y que te permite realizar transferencias o depósitos. Cada persona o empresa tiene su propio número de cuenta. Como hemos visto, el vocabulario bancario es bastante específico, pero con estas palabras podrás hacer muchas gestiones en un banco sin problema. Recuerda que es importante conocer estos términos, ya que te ayudarán a comunicarte de forma efectiva cuando necesites abrir una cuenta, pedir un préstamo o hacer cualquier otra gestión bancaria. ¡Espero que este vocabulario te haya sido útil! Practica estas palabras y frases en contextos reales, y verás cómo poco a poco te sientes más cómodo/a gestionando tus asuntos bancarios en español. Práctica de conversación: Imagina que necesitas abrir una cuenta de ahorros en un banco. ¿Qué preguntas harías al banco? ¿Cómo podrías explicar lo que necesitas? Aquí tienes algunas frases para practicar: "Me gustaría abrir una cuenta de ahorros, ¿cuáles son los requisitos?" "¿Qué tipo de intereses ofrece esta cuenta?" "¿Cuánto dinero debo tener en la cuenta para evitar comisiones?" Escucha este episodio completo y accede a todo el contenido exclusivo de Se Habla Español. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/171214

Freedomain FLASH Live Chat 26 April 2025In this episode, I engage in a meaningful discussion with a caller who recently faced the termination of their YouTube channel and is exploring new investment avenues. We delve into business financing, focusing on securing loans and credits as they contemplate investing in ATM machines, inspired by popular podcast advice. I emphasize the importance of understanding the risks involved in ATM investments and stress the necessity of thorough research and due diligence before making decisions. The conversation also touches on the emotional impact of being deplatformed, reflecting on the volatility of online platforms as a business foundation. Additionally, I respond to a second caller sharing their personal journey with fertility and surrogacy, highlighting the emotional and societal complexities involved. Overall, I aim to provide grounded advice and encourage critical thinking when navigating both financial and personal challenges.GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

We begin today with the latest insane court rulings and how conservative media is a day late and a dollar short in dealing with it. Also, there are some disturbing trends at HHS, including the continuation of Biden's policies on dangerous abortion drugs. Next, we're joined by Paul Winfree, president of the Economic Policy Innovation Center and budget director at the OMB under Trump's first administration, for a discussion on Medicaid. He explains how Republicans must attack the perverse incentives under Medicaid expansion that allow states and the health care cartel to use the program as an ATM to line their pockets at the expense of the most vulnerable. He shows what is driving the uncontrollable cost of the program and how Republicans are shortsighted for refusing to pick a fight on structural reforms to the program. Learn more about your ad choices. Visit megaphone.fm/adchoices