Podcasts about ATM

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Best podcasts about ATM

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Latest podcast episodes about ATM

ถามอีก กับอิก Tam-Eig
ORC354 | FED ขึ้นดอกเบี้ยจริง ทำไมหุ้น ทอง เด้งแรง

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Sep 18, 2026 27:06


#OFFRECORD FED ขึ้นดอกเบี้ยจริง ทำไมหุ้น ทอง เด้งแรง | OFF THE RECORD Ep.354⁣⁣วิเคราะห์โดย อิก บรรพต ธนาเพิ่มสุข ที่ปรึกษาการเงิน AFPTtm⁣⁣ติดตามความรู้และอัพเดต TAM-EIG_ลงทุนนอก ต้องออกไปให้รู้⁣https://link.tam-eig.com/LineOpenchat_Offshores1 ⁣⁣*วิเคราะห์วันที่ 17 ก.ย. 69⁣⁣===========⁣

Bitesize Business Breakfast Podcast
Dubai is open. How does it convince the world?

Bitesize Business Breakfast Podcast

Play Episode Listen Later Sep 17, 2026 41:40


17 Sep 2026. ATM is showing the travel industry that Dubai is open for business, but how do you convince the average foreign punter? Hoor Alkhaja of Dubai Economy and Tourism explains the strategy behind the push. She says Dubai Invite attracted more than 90,000 registrations and has already brought 75,000 friends and relatives of residents to the emirate. Plus, UN Tourism Secretary General Her Excellency Shaikha Al Nuwais on rebuilding confidence in travel, Espace Real Estate’s John Lyons on Dubai’s property market, and pistachio is everywhere, but is it a lasting food trend or just the flavour of the moment? We ask Mondelēz International’s Mohamed Yousry Taher.See omnystudio.com/listener for privacy information.

ถามอีก กับอิก Tam-Eig
ORC353 | FED กำลังจะขึ้นดอกเบี้ยครั้งแรก ในรอบ 3 ปี?

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Sep 17, 2026 27:09


#OFFRECORD FED กำลังจะขึ้นดอกเบี้ยครั้งแรก ในรอบ 3 ปี? | OFF THE RECORD Ep.353⁣⁣วิเคราะห์โดย อิก บรรพต ธนาเพิ่มสุข ที่ปรึกษาการเงิน AFPTtm⁣⁣ติดตามความรู้และอัพเดต TAM-EIG_ลงทุนนอก ต้องออกไปให้รู้⁣https://link.tam-eig.com/LineOpenchat_Offshores1 ⁣⁣*วิเคราะห์วันที่ 16 ก.ย. 69⁣⁣===========⁣

I Don't Know About That
ATM: Episode 73 - George Washington Had Hippo Teeth?

I Don't Know About That

Play Episode Listen Later Sep 16, 2026 83:14


At this moment, Jim and Amos discover that George Washington had hippo teeth in his dentures, along with many other animals. They also talk about how AI is coming for humanity and crossfitters pooping themselves.ADS:MOOD: Head to http://www.mood.com, find the functional gummy that matches exactly what you're looking for, and let Mood help you discover YOUR perfect mood. And don't forget to use promo code ATM when you check out to save 20% on your first order.QUINCE: Download the Quince app for app-exclusive offers, or go to http://www.Quince.com/ATM. Get free shipping on your order and 365-day returns. Now available in Canada and the UK, too.PRIZEPICKS: Download the app today and use code ATM to get $150 instantly in Lineups if you win your first $5 Lineup!SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

After These Messages Podcast
#566 Snark Attack

After These Messages Podcast

Play Episode Listen Later Sep 16, 2026 57:16


A collection of ads featuring teens with varying degrees of attitude has famous non-parents Andrew and Vieves considering what level of teenage sass is acceptable and what level is grounds for punishment. Plus, Andrew is vindicated as an ATM mystery is solved at last! Here are links to the ads we talked about in this week's show: T-Mobile - Nothing https://www.ispot.tv/ad/SV98/t-mobile-introducing-nothing-stacked VRBO - Teen https://youtu.be/yGvCOz4Wc7M?si=lhjVwskbTdBy2pLW Motorola Pagers - Message you can't afford to miss https://youtu.be/HhFhz-vXbBM?si=FvMfjv43qb65lJHA Verizon - Dr. Evil https://www.ispot.tv/ad/gcb_/verizon-dr-evil-activation-fees-feat-mike-myers-seth-green-mindy-sterling-rob-lowe Verizon (long version) https://www.youtube.com/watch?v=lzmntndEXWo Audi - Unfriend https://www.ispot.tv/ad/7eBH/audi-a6-spring-of-audi-sales-event-teenager Price.com - Air Fryer https://www.ispot.tv/ad/21F8/price-com-air-fryer Sean O'Haire Vignette on Religion https://youtu.be/IEXJgkCCzks?is=czUR9_VyxB8uz3IW

Bitesize Business Breakfast Podcast
Why Emirates fares may not fall yet

Bitesize Business Breakfast Podcast

Play Episode Listen Later Sep 16, 2026 41:20


16 Sep 2026. Emirates says passengers should not expect much movement in ticket prices while fuel and operating costs remain high. Deputy President and Chief Commercial Officer Adnan Kazim also explains how the airline restored passenger and cargo flights after safe corridors opened. Plus, what did postponing ATM cost, and what does its return tell us about confidence? Executive Reporter Georgia Tolley asks organiser RX Global. We also hear from Hilton’s Guy Hutchinson on the outlook for hotels across the Middle East and Africa, and RAKBANK’s Vishal Shah on what UAE businesses need from their bank.See omnystudio.com/listener for privacy information.

ถามอีก กับอิก Tam-Eig
ORC352 | FED กำลังจะขึ้นดอกเบี้ย 2 รอบ?

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Sep 16, 2026 27:57


#OFFRECORD FED กำลังจะขึ้นดอกเบี้ย 2 รอบ? | OFF THE RECORD Ep.352⁣⁣วิเคราะห์โดย อิก บรรพต ธนาเพิ่มสุข ที่ปรึกษาการเงิน AFPTtm⁣⁣ติดตามความรู้และอัพเดต TAM-EIG_ลงทุนนอก ต้องออกไปให้รู้⁣https://link.tam-eig.com/LineOpenchat_Offshores1 ⁣⁣*วิเคราะห์วันที่ 15 ก.ย. 69⁣⁣===========⁣

Ayanda MVP on 947 - 12PM - 3PM
Are You the Family Bank Account? Listeners Share Their Wildest Financial Demands!

Ayanda MVP on 947 - 12PM - 3PM

Play Episode Listen Later Sep 15, 2026 15:32 Transcription Available


It’s one of the most emotional, challenging, and unsaid realities in many South African households being treated as the "family ATM." In this powerful edition of I Know I'm Not The Only One on Afternoons with Zweli on 947, Zweli and the 947 family take on the raw complexities of financial expectations, lifestyle assumptions, and the guilt that comes with setting money boundaries. The episode unpacks: The "ATM" Pressure: How success, employment, or visible lifestyle habits lead to endless financial demands from extended family. The Cost of Saying No: The guilt trips, judgment, and emotional ostracization that occur when you establish firm boundaries. Extreme Measures: Heartbreaking listener stories, including one caller who purposely pretended to be broke just to stop the financial pressure. Protecting Your Wellbeing: Practical ways to navigate family expectations without compromising your mental health or personal financial future. Tune in for a deeply cathartic, honest, and relatable conversation about love, money, and self-preservation. Spend weekday afternoons with Zweli. He keeps you in the loop with everything from music and movies to sport and pop culture. Hear what the Word on the Street is, test your skills with the high-pressure 6 Out of 6, and get ready to be entertained. Thank you for listening to an Afternoons with Zweli podcast Listen live on Primedia+ weekdays from 12:00 to 15:00 (SA Time) to Afternoons with Zweli broadcast on 947 https://www.primediaplus.com/station/947 For more from the show go to https://buff.ly/FeeL6wY or find all the catch-up podcasts here https://buff.ly/pRBikjo Subscribe to the 947 Weekly Newsletter here https://buff.ly/hf9IuR9 Follow us on social media 947 on Facebook: https://www.facebook.com/947Joburg/ 947 on TikTok: https://www.tiktok.com/@947joburg 947 on Instagram: https://www.instagram.com/947joburg 947 on X https://x.com/947 947 on YouTube: https://www.youtube.com/@947Joburg See omnystudio.com/listener for privacy information.

ถามอีก กับอิก Tam-Eig
ORC351 | Bill Gates เตือน AI ทำคนตกงานมากสุดในประวัติศาสตร์

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Sep 15, 2026 22:59


#OFFRECORD Bill Gates เตือน AI ทำคนตกงานมากสุดในประวัติศาสตร์ | OFF THE RECORD Ep.351⁣⁣โดย อิก บรรพต ธนาเพิ่มสุข ที่ปรึกษาการเงิน AFPTtm⁣⁣ติดตามความรู้และอัพเดต TAM-EIG_ลงทุนนอก ต้องออกไปให้รู้⁣https://link.tam-eig.com/LineOpenchat_Offshores1 ⁣⁣*วิเคราะห์วันที่ 14 ก.ย. 69⁣⁣===========⁣

MONEY FM 89.3 - Your Money With Michelle Martin
Money and Me: The Best Cards for Living Abroad to Earn Miles Without Losing Them to Fees

MONEY FM 89.3 - Your Money With Michelle Martin

Play Episode Listen Later Sep 14, 2026 22:14


If you’re living overseas for a few weeks or months, what’s the smartest way to pay without carrying a wallet full of cards — or wiping out the value of your miles with foreign-currency fees? Michelle Martin speaks with Tim Phillips, Founder of TimTalksMoney, about building a simple two- or three-card strategy for spending abroad. They unpack when 4-miles-per-dollar cards really deliver, the spending caps to watch, and when a multi-currency card may actually leave you better off. From flights and accommodation to groceries, transport, rent and ATM withdrawals, find out which card to reach for — and why you should almost always choose local currency when a merchant offers to charge you in Singapore dollars.See omnystudio.com/listener for privacy information.

ถามอีก กับอิก Tam-Eig
ORC349 | เงินเฟ้อพุ่ง ตะวันออกกลางลุกเป็นไฟ

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Sep 14, 2026 22:26


#OFFRECORD เงินเฟ้อพุ่ง ตะวันออกกลางลุกเป็นไฟ | OFF THE RECORD Ep.349⁣⁣โดย อิก บรรพต ธนาเพิ่มสุข ที่ปรึกษาการเงิน AFPTtm⁣⁣ติดตามความรู้และอัพเดต TAM-EIG_ลงทุนนอก ต้องออกไปให้รู้⁣https://link.tam-eig.com/LineOpenchat_Offshores1 ⁣⁣*วิเคราะห์วันที่ 12 ก.ย. 69⁣⁣===========⁣

ถามอีก กับอิก Tam-Eig
ORC350 | Ray Dalio เตือนแรง คล้ายวิกฤตปี 1970

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Sep 14, 2026 31:23


#OFFRECORD Ray Dalio เตือนแรง คล้ายวิกฤตปี 1970 | OFF THE RECORD Ep.350⁣⁣โดย อิก บรรพต ธนาเพิ่มสุข ที่ปรึกษาการเงิน AFPTtm⁣⁣ติดตามความรู้และอัพเดต TAM-EIG_ลงทุนนอก ต้องออกไปให้รู้⁣https://link.tam-eig.com/LineOpenchat_Offshores1 ⁣⁣*วิเคราะห์วันที่ 13 ก.ย. 69⁣⁣===========⁣

Manufacturing Happy Hour
301: NYC's Role in Reindustrialization and American Manufacturing (LIVE from Brooklyn)

Manufacturing Happy Hour

Play Episode Listen Later Sep 8, 2026 62:58


"New York City is where dreams come to audition", and this goes for manufacturers too.Recorded live at New Lab in Brooklyn, this episode is split into three segments and features seven guests. Chris explores what manufacturing means in a city best known for 'wall street'.Andrew, James, and Stacey open the show by digging into New York's overlooked industrial past, including a 250-year stretch where the city was the largest manufacturing hub in the country. Jacob, Nikki, and Miquela then take the stage to talk about what's being built in the city today, from robotics to a single Brooklyn facility housing 17 different manufacturing verticals.Finally, Michelle of New York Embroidery Studio joins Chris one-on-one to share her insights after nearly 30 years of manufacturing experience, including how she pivoted her entire operation overnight to produce PPE during COVID.In this episode, find out:What the Brooklyn Navy Yard's 300-acre footprint looks like today, decades after its WWII peakWhy New York's robotics ecosystem might never look like Detroit or Pittsburgh and how that could be an advantageWhat 17 different manufacturing verticals look like inside a single Brooklyn facilityHow one manufacturer pivoted from designing gowns for the Met Gala to producing 3 million isolation gowns a monthWhy New York's built-in market of 8 million consumers gives local manufacturers an edge most cities can't offerWhat it took to solve a 20-year-old medical design flaw by giving a doctor direct access to a factory floorEnjoying the show? Please leave us a review here. Even one sentence helps. It's feedback from Manufacturing All-Stars like you that keeps us going!Tweetable Quotes:"All These inventions that came from here - the laser, the CCD, the ATM machine, the transistor, vulcanized rubber - all those things went somewhere else to build.” - James Williams, Chief Strategy Officer at Nanotronics"It's not that somebody is getting rid of the hand tools, it's that it's merging with additional technology." - Miquela Craytor, Founder & Principal, Craytor Strategies"Smart people that have problems need to have access to factories to create and build new things." - Michelle Feinberg, Owner of New York Embroidery Studio and NYES ProtectLinks & mentions:CliftonLarsonAllen, sponsor of the All-American Manufacturing Summer Tour, offering industry-focused wealth advisory, outsourcing, audit, tax, and consulting services.MaintainX, sponsor of the tour, helping frontline teams streamline maintenance, standard operating procedures, and more from a mobile device.New Lab, an innovation hub based at the Brooklyn Navy Yard, hosting this episode and supporting startups working on advanced technology and manufacturing.Make sure to visit http://manufacturinghappyhour.com for detailed show notes and a full list of resources mentioned in this episode. Stay Innovative, Stay Thirsty.

I Don't Know About That
ATM: Episode 71 - The Worst Photo Ever Taken of Jim

I Don't Know About That

Play Episode Listen Later Sep 2, 2026 96:53


At this moment, Jim rants about a recent photo taken of him that may be the worst ever. Amos keeps trying to bring down the podcast with tragic news stories (most cut for time). They also talk about the passing of Dolly Parton and Jim's new stage of life.ADS:MOOD: Head to http://www.mood.com, find the functional gummy that matches exactly what you're looking for, and let Mood help you discover YOUR perfect mood. And don't forget to use promo code ATM when you check out to save 20% on your first order. Try it today at http://www.mood.com SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Stacking Benjamins Show
The 5 Secrets of a Happier Retirement with Wes Moss (SB1892)

The Stacking Benjamins Show

Play Episode Listen Later Sep 2, 2026 68:51


What actually makes for a happy retirement? Today, Joe sits down with retirement expert Wes Moss, author of The Retire Sooner Method, to explore the research behind America's happiest retirees. Wes explains why money is only part of the equation, how community and “super activities” give retirement purpose, why eliminating debt can create more freedom, and how a clear retirement plan can help reduce the fear of running out of money.Then Joe and OG tackle one of retirement's most popular investing strategies: living off dividends so you never have to sell your investments. They break down why dividends feel so appealing, where the strategy can fall short, and why building your retirement income plan around your goals may matter more than chasing a particular yield. Plus, Doug celebrates the anniversary of the ATM with some cash-dispensing trivia.Resources mentionedWes MossThe Retire Sooner Method: The 5 Secrets Behind America's Happiest and Unhappiest RetireesYou Can Retire Sooner Than You ThinkRetirees Love Dividends, but the Stock Market Surge Is Making Them Think Again — The Wall Street JournalField Kit FinanceThe 201 newsletter — stackingbenjamins.com/201Field Kit Finance webinars: Sign up for The 201 to get the full schedule.The Clark Howard ShowFinConDana AnspachBen CarlsonAttorney Tim Semro's recent Stacking Benjamins appearanceFULL SHOW NOTES: https://www.stackingbenjamins.com/wes-moss-retire-sooner-method-1892/Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201Enjoy!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jay Towers in the Morning
Back In The Day & Hollywood Minute

Jay Towers in the Morning

Play Episode Listen Later Sep 2, 2026 5:55 Transcription Available


The first ATM made it's debut on this day and Travis Kelce showcases his dog in a Tommy Hilfiger ad.See omnystudio.com/listener for privacy information.

This Day in History
This Day in History - September 2, 2026

This Day in History

Play Episode Listen Later Sep 2, 2026 1:54


The ATM debuted in America on this day in 1969. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Arizona's Morning News
Back on this day in 1969, the first ATM made it's public debut.

Arizona's Morning News

Play Episode Listen Later Sep 2, 2026 2:10


Back on this day in 1969, the first ATM made it's public debut. Earlier versions existed in 1967 in other countries.

Cold Case Files
I SURVIVED: If I Play Dead He Wouldn't Shoot Me Again

Cold Case Files

Play Episode Listen Later Aug 29, 2026 45:57


Lonnie rekindles an old relationship only for her beau to take credit cards out in her name and when she confronts him about it he shoots her in the head. Rulon is an olympic wrestler and gold medalist out or a day of snowmobiling with friends when he gets lost and submerged in freezing water. Now his greatest adversary is the hypothermia looking to end his career and his life. Stanley is on a night out in Manhattan when he is abducted and held at gunpoint. Over the next couple days the abductors attempt to remove $50,000 using Stanley's ATM card.This Episode is sponsored by BetterHelpBetterHelp - Visit BetterHelp.com/SURVIVED to get 10% off your first month!Quo - Try Quo free, plus when you go to Quo.com/ISURVIVED you can get 20% off your first 6 months!Tempo - Check out TempoMeals.com/SURVIVED for 60% off your first box!Progressive - Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Joe Show
Keep That Cash On Ya!

The Joe Show

Play Episode Listen Later Aug 28, 2026 7:34 Transcription Available


Are you keeping cash on your person or are you always having to go to the ATM?! See omnystudio.com/listener for privacy information.

Marty Griffin and Wendy Bell
Marty Griffin Show Hour 2: State Rep Mandy Steele joins the show to discuss RFK and Gov. Shapiro! Teens steal an ATM downtown! Crazy!

Marty Griffin and Wendy Bell

Play Episode Listen Later Aug 28, 2026 30:28


Marty Griffin Show Hour 2: State Rep Mandy Steele joins the show to discuss RFK and Gov. Shapiro! Teens steal an ATM downtown! Crazy! full 1828 Fri, 28 Aug 2026 15:46:48 +0000 ry65FLcWK5SdX0Jgxn6RXmxZRCCxKLzo news Marty Griffin news Marty Griffin Show Hour 2: State Rep Mandy Steele joins the show to discuss RFK and Gov. Shapiro! Teens steal an ATM downtown! Crazy! On-demand selections from Marty's show on Newsradio 1020 KDKA , airing weekdays from 10 a.m. to 2 p.m. 2024 © 2021 Audacy, Inc.

Date with Cents
DWC REWIND: Why Broke Men Keep Showing Up (And How to Change it Fast)

Date with Cents

Play Episode Listen Later Aug 27, 2026 40:41 Transcription Available


Send episode requests hereBroke men don't just stumble into your life by accident - they show up because they can sense which women will tolerate their inability to provide.If you keep attracting men who either expect you to fund the relationship or can't afford to match your lifestyle, this episode breaks down why this pattern keeps happening and how to flip the script completely. I'm sharing the real reason your success mindset is working against you in dating and my five Provider Proof tests that separate men who want to provide from men who want you to be their personal ATM.You'll learn how to stop being the woman who fixes and start being the woman who receives.Follow me on Instagram for more dating gems at: @torahcents @curved2cuffed 

I Don't Know About That
ATM: Episode 70 - Pablo Pledge-scobar

I Don't Know About That

Play Episode Listen Later Aug 26, 2026 48:18


At this moment, Jim and Amos continue to have internet problems while they discuss the big issues of the week: a Penn State cocaine scandal, the Lindsay Clancy trial, and Jim causing drama with UK and dryers.ADS:PRIZEPICKS: Visit https://prizepicks.onelink.me/LME0/ATM and use code ATM and get $150 if you win your first $5 lineup! Download the app today and use code ATM to get $150 instantly in Lineups if you win your first $5 Lineup! PrizePicks. America's No. 1 Sports Picks App.SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Still Spinning Podcast
Still Spinning on 08.26.26

The Still Spinning Podcast

Play Episode Listen Later Aug 26, 2026 37:54


Episode 151: Twelve Dispensaries, One Cage, Zero Regrets Nicole and Dan are back from an unannounced summer sabbatical, and they have receipts. Nicole hit Aspen, Wisconsin, and San Diego. Dan drove to Michigan. Repeatedly. Buckle up. This week: Google Maps quietly reroutes Dan onto a pitch-black back road in the middle of nowhere, where he discovers twelve pot dispensaries in a row with nothing else around them, all lit up like casinos. He also waited fifteen minutes at a McDonald's counter to order a single Diet Coke, which he got for free, so arguably he won. Meanwhile in Hurley, Wisconsin (population 1,500, strip clubs 6), Dan spots a sign advertising cage dancing next door to a taco place called The Munch, and immediately proposes a five hour road trip. Nicole's only conditions: significant others come along, and Paul is non-negotiable. She's also still waiting on her Munch t-shirt. Then the actual topics, allegedly: Illinois is about to require most retailers to accept cash on purchases under $500, and the gang is genuinely torn. Consumer freedom versus getting your ATM ripped out of the wall at 3am. Also settled once and for all: every cash-only business is definitely hiding something. Yes, including Dan's massage place. No, he does not want anyone touching him. A woman sent $310,000 to a fake Kenny Chesney she met on LinkedIn, then sued the real Kenny Chesney for not stopping her. A judge has finally weighed in. Public service announcement: no celebrity is DMing you for bus fare to Springfield, Massachusetts. A toddler on a Porter Airlines flight refused to sit down, the plane went back to the gate, everyone deplaned, and the runway curfew killed the whole flight. Dan and Nicole propose a modest solution involving financial liability and a lifetime ban for the entire family. And in Alaska, Dan Sullivan is running against Dan Sullivan, and has been endorsed by Dan Sullivan. Nicole calls for a boxing ring. Dan calls for a blind taste test. Plus: the World of CD-ROM in Kalamazoo, the cobbler shop mystery, why two mattress stores can face each other and both survive, and the shocking revelation that Episode 150 was recorded but never published. It's out there. Somewhere. Not Penny's boat. New episodes weekly, or whenever they get back from Michigan. Subscribe wherever you get your podcasts.

New Mexico News Podcast
The Crypto ATM Debate: New Mexicans Losing Millions

New Mexico News Podcast

Play Episode Listen Later Aug 25, 2026 36:26


Crypto or Bitcoin ATMs are everywhere, including laundromats and grocery stores across New Mexico. But as scammers increasingly use cryptocurrency to steal money from victims, cities and states are taking a closer look at the machines. New Mexicans reported millions in cryptocurrency fraud losses last year, and Albuquerque City Councilors are now considering an ordinance to remove crypto ATMs from city limits. Chris and Gabby dive into the topic with Brian Watson, a Community Outreach Specialist with R.O.S.E. and former IRS Criminal Investigator. Watson explains how crypto ATM scams work, why scammers often target older adults, and the devastating losses he's seen firsthand. How is AI changing the way scammers target financial information? What can you do to protect yourself and your family? Are crypto ATMs a convenience, or a tool scammers are exploiting?  Thanks for listening. If you've got an idea, send it to us at chris.mckee@krqe.com or gabrielle.burkhart@krqe.com. Give us a follow on social media at @ChrisMcKeeTV and @gburkNM. Watch or listen to our prior podcasts online at KRQE.com/insiders and our KRQE YouTube channel, or on broadcast TV every Wednesday at 10:35 p.m. MST on Fox New Mexico.

The Canadian Bitcoiners Podcast - Bitcoin News With a Canadian Spin
Canada Is At War Over Trade. Bitcoin Doesn't Need A Deal | The Canadian Bitcoiners Podcast

The Canadian Bitcoiners Podcast - Bitcoin News With a Canadian Spin

Play Episode Listen Later Aug 25, 2026 58:34


Trump hit Canada with 50% tariffs on $20 billion in goods after trade talks collapsed an hour before the deadline. Mark Carney says Canada is "at war" and retaliates September 8. Bitcoin doesn't need a deal.The tariffs came through Section 338 of the 1930 Tariff Act - a statute that had never once been used to impose a tariff in 96 years. It needs no vote in Congress, carries no expiry date, and applies to CUSMA-compliant goods anyway. Two days earlier Trump posted that the two countries "have a DEAL." Sunday morning he was back to calling Canada a state that wants the benefits without the membership. Joey and Len break down what a permanent, unreviewable tariff power means for a country whose entire economy runs through one border - and why every story in this episode points at the same thing: the rules can change overnight when your money answers to somebody else.In this episode of the Canadian Bitcoiners Podcast:50% Section 338 tariffs hit $20B of Canadian goods, roughly 5% of everything Canada ships southCarney's "you're at war when you get attacked" press conference and the September 8 dollar-for-dollar retaliation listWhy the trucks fight, not dairy, is what actually blew up the deal at Oakville and OshawaTrump revives the 51st state line hours after the tariffs landNew Hampshire caps Bitcoin ATM buys at $2,000 a day - and the cap follows residents to kiosks in every other stateThe SEC proposes Regulation Crypto Assets: $75M/year retail token sales, self-certified exits, zero dissents on a commission with no dissenters leftMetaplanet drops 2,100 BTC into a $5M Nasdaq shell four days after MSCI threatens to delete it from global indexesBitcoin and ether ETFs pull $2.6 billion in the strongest inflow week since OctoberCanadian Bitcoiners PodcastWebsite: https://canadianbitcoiners.comSubscribe and turn on notifications - new episodes live Monday nightsA tariff with no expiry date and no congressional vote is the same lesson as a bail rule that sorts by bank balance and an ATM cap that follows you across state lines: permission you were granted can be withdrawn. Bitcoin is the only part of this episode nobody has to ask for.Sources: The Globe and Mail, CBC, CNN, Reuters, CP24, Bitcoin Magazine, The Block, CryptoSlate, Cointelegraph, New Hampshire Union Leader, SEC.gov, Angus Reid Institute————————————————————————————————SPONSORSThis week's episode is about what happens when the rules change without your consent. Our sponsors are the people who built the opposite.

I Survived
If I Play Dead He Wouldn't Shoot Me Again

I Survived

Play Episode Listen Later Aug 24, 2026 45:57


Lonnie rekindles an old relationship only for her beau to take credit cards out in her name and when she confronts him about it he shoots her in the head. Rulon is an olympic wrestler and gold medalist out or a day of snowmobiling with friends when he gets lost and submerged in freezing water. Now his greatest adversary is the hypothermia looking to end his career and his life. Stanley is on a night out in Manhattan when he is abducted and held at gunpoint. Over the next couple days the abductors attempt to remove $50,000 using Stanley's ATM card.This Episode is sponsored by BetterHelpBetterHelp - Visit BetterHelp.com/SURVIVED to get 10% off your first month!Quo - Try Quo free, plus when you go to Quo.com/ISURVIVED you can get 20% off your first 6 months!Tempo - Check out TempoMeals.com/SURVIVED for 60% off your first box!Progressive - Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Opie Radio
I'm NOT Sunning My Butthole like WiFI Tony

Opie Radio

Play Episode Listen Later Aug 24, 2026 41:44 Transcription Available


Tony P canceled Friday's show blaming “bad WiFi” from a giant Atlantic City hotel… then finally spilled the real disaster: five-hour drive through tornadoes, a mid set, his wife kidnapping the dog (his opener), and going full Chevy Chase in Vegas Vacation at the tables until the ATM cried. Opie gives him the old-fashioned beating he earned, then the boys spiral into the dumbest (and funniest) hour:Why America is about to lose its nightcrawlers, tongue depressors, and “good dirt” in the Canada trade warThe dead-dog-in-a-box Free Bird tribute that will either crush or get Tony banned from every casinoThe serious medical debate over sunning your butthole (and whether picturing it makes you gay)Mosquitoes that somehow find the pubis through sweatpants$4.50 plain slices, clam-pie trauma, and Chinese robots that beat Usain Bolt… then just keep runningPure unfiltered chaos with Opie and Tony P. Press play before Canada cuts off the worms. Opie keeping the old Opie and Anthony vibe going.About Opie Unfiltered:Hosted by Gregg "Opie" Hughes—co-creator of the legendary Opie and Anthony show—Opie Unfiltered brings raw, unscripted commentary, classic radio lore, and unfiltered comedy featuring Ron the Waiter and regular guests.​Support the Show:https://www.paypal.com/ncp/payment/JANCGHFW7GJHA​For fans of classic New York talk radio, unedited comedy, satellite broadcast history, and the original Opie and Anthony era.

The CyberWire
The odds were classified.

The CyberWire

Play Episode Listen Later Aug 24, 2026 30:05


Polymarket traders win big on U.S. military insider information. Slovakia deactivates speed cameras with Russian backdoors. TikTok pays $400 million to settle kids' privacy allegations. Hackers infect Android-based car systems with botnet malware. CISA orders quick patching of an actively exploited Zimbra Collaboration Suite vulnerability. SynkLoader malware is built for stealthy access to corporate networks. Dutch authorities fine Uber over $900 million over automated hiring practices. An ATM jackpotter gets a record prison sentence. Monday business briefing. A privacy promise loses face.  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 On our Industry Voices segment, we are joined by Mark Beare, General Manager at Malwarebytes Consumer Business from Black Hat to look at protecting your family in the age of AI. If you enjoyed this conversation, check out the full interview here. Selected Reading More than 150 Polymarket wallets may have traded on military secrets, research finds (Reuters) Slovakia discovers Russian backdoors in 279 new traffic cameras — SMS-triggered shell access and passwordless live feeds found in EU-funded rollout (Tom's Hardware) TikTok Settles U.S. Child Privacy Case for $400 Million (Security Affairs) Hackers infecting Android car systems to build proxy botnet (The Record) CISA orders urgent patching of actively exploited Zimbra flaw (Bleeping Computer) SynkLoader: when you throw in everything but the kitchen sink (Expel) Uber Fined Nearly $1 Billion by Dutch Regulators Over Automated Suspensions of Driver Accounts (SecurityWeek) Venezuelan Gets Record Federal Prison Term for ATM Jackpotting (SecurityWeek) Fortinet has acquired San Francisco-based AI security company Virtue AI. (N2K Pro Business Briefing) Reverse-Lookup Service Exposed Millions of Photos of People's Faces (WIRED) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc.

The UpFlip Podcast
253. From $500 to a $40K/Month ATM Empire

The UpFlip Podcast

Play Episode Listen Later Aug 24, 2026 32:45


Gianni Santino was exhausted. As a police officer in Connecticut working up to 80 hours a week, he had barely any time for his family. After a failed attempt at real estate investing left him buried in COVID-related evictions, Gianni stumbled upon a goldmine hidden in plain sight: a sketchy ATM inside a gentlemen's club that was quietly printing thousands of dollars a night in surcharge fees.Realizing you didn't need to be a bank to own an ATM, Gianni bought his first machine, loaded it with the last $500 he had, and watched the passive income start rolling in. Today, Gianni has retired from the police force and runs a massive network of nearly 100 ATMs from his laptop in Miami, generating over $40,000 a month in revenue.In this episode of the UpFlip Podcast, Gianni sits down with Ryan Atkinson to reveal the exact blueprint for starting your own highly profitable ATM side hustle. He breaks down the startup costs, the best (and worst) locations to target, and how to safely load and manage your machines working just a few hours a month.What You'll Learn in This Episode:The $2,500 Startup Strategy: The exact machine brands you should buy (Hyosung and Genmega) and the truth about how much cash you actually need to load your first ATM.The "Donut" Pitch: Gianni's foolproof, low-pressure sales tactic for getting cash-only business owners (like barbershops and dispensaries) to let you place an ATM in their store for free.Avoiding the Gym Trap: Why high-foot-traffic areas like gyms are terrible for ATMs, and the specific high-demand locations you should target instead.Safety & Security Protocols: How to make yourself a hard target. Gianni reveals his 2-minute loading rule, why you should never load a machine during business hours, and the critical importance of bolting your ATM down.Why Cash is Still King: Debunking the myth of a "cashless society" and why the closure of local bank branches is actually creating a massive opportunity for independent ATM operators.Tags: Side hustle, Entrepreneurship, Passive income, ATM business, StartupResources:If you've been putting off starting a business… good. Because before you jump into an idea that worked for someone else, you should figure out what kind of business actually fits you. That's why we created the best Assessment there is. It's a free tool that asks about your skills, experience, budget, goals, location, and preferences — then matches you with business ideas that make the most sense for YOU. The results are scary accurate. Click the link in the show notes to see your best-fit business ideas in seconds — for free.Grow your business today: https://accelerator.upflip.com/assessment Follow Our Second Channel Here: https://next.upflip.com/spotify Connect with Gianni: https://www.instagram.com/atmoperations/

Management Blueprint
360: Build a Multi-Site Medical Practice with Alex Fernandez

Management Blueprint

Play Episode Listen Later Aug 24, 2026 30:41


https://youtu.be/B9j1nlRifHM Alex Fernandez, CEO of Synergy Orthopedic Specialists, is driven by a mission to help physicians Build a Multi-Site Medical Practice that creates wealth, equity, and independence beyond their personal labor. By bringing independent physicians together, building scalable organizations, and expanding access to integrated services, Alex helps doctors operate as entrepreneurs while delivering a more convenient and cost-effective patient experience. In this conversation, Alex introduces The Multi-Site Scaling Framework—Visualize Your Target EBITDA, Align With Your Partners, Remove Yourself From the Center, Build Systems, and Build Margin Around Your Core Business. He explains why starting with the desired enterprise value creates a clearer path for growth, why alignment must be a gate for every partnership or acquisition, and how strong systems allow a business to operate without depending on its founder. Alex also shares how vertical integration, company culture, geographic expansion, and AI-assisted processes can improve profitability while preserving independent medical care. — Build a Multi-Site Medical Practice with Alex Fernandez  Good day, dear listeners. Steve Preda here with the Management Blueprint Podcast, and welcome Alejandro “Alex” Fernandez, the CEO of Synergy Orthopedic Specialists, a team of surgeons and specialists that believes in providing patients with an integrated approach to musculoskeletal—I’m glad I could pronounce this—medical care through 15 locations throughout San Diego. Alex, welcome to the show.  Thank you. Thank you. Yeah, I appreciate that. I’ve enjoyed your show, and I’m happy to be here.  Well, I’m always interested when I meet with medical provider companies or CEOs who have been doctors, because I grew up in a family of two doctors, and so I was exposed to some of the challenges of being a doctor and running a hospital. So that’s going to be interesting. So my favorite question that I ask recently to all our founders is, what is your personal why, and how are you manifesting it in your practice and in your business?  Yeah, for sure. And so my why, as you put it, comes from where I started. I actually don’t come from a family of physicians. I started not where I ended up. I’m a son of Cuban immigrants. My parents fled Castro in the ’60s, and I was born in Puerto Rico. Later on, my family took a lot of our family in the Mariel boatlift in 1981 and took hundreds of people out of Cuba. But in reality, the concept or the reality is that my parents didn’t have a lot of money. They had some connections, but they believed that I should have a college education.  But I had to work my way through eight years of college to get my bachelor’s. So I landed in healthcare as an accident. It was a small medical practice. I was basically doing front desk and medical records, and then later on learned how to do the billing, all by hand at that time. There were no electronic medical records. And I started basically at the front desk, and I watched something that I never really forgot, which is, you have these brilliant physicians, people that can diagnose patients and help them and cure them, but when it came to business, they were never taught anything about business.  So this is where I believe I have generated value over the years: basically, built companies that actually create wealth, and the wealth for the physicians in particular.Share on X I think physicians are very entrepreneurial. At least that’s the idea to begin with, is, “I’m going to go into the practice of medicine and have my own business.” But somewhere along the line, the business becomes almost like an ATM machine. It’s no different than any other entrepreneur that starts a business. They are the business. Without them, if they go away for a couple of days, the business doesn’t make any money, and they don’t really know how to do that. So what I’ve done over the years is I have gotten smaller groups of physicians to come together, form larger organizations, larger groups, and eventually built larger private businesses that can have EBITDA, equity earnings that can basically provide some additional wealth.  Particularly, I try to help them think of themselves as capitalists, not as day laborers. Because in reality, in most businesses, and particularly physicians, they’re cranking the wheel, and the more they produce, the more they work, the more they earn. But in some cases, they don’t understand how to get away from that. How to earn from all the other things that they control. Because physicians do control 80% of the spend in healthcare but earn probably no more than 5% of it.  Wow. That is shocking. So they’re not using the leverage properly, probably.  Yeah. Sometimes they know it’s there, but physicians in general are risk-averse. Just starting their own business is hard enough. Then having to figure out how to capitalize from all the levers that they have, that’s completely different. And they’re no different than, I would say, lawyers or accountants that start a small business. At some point in time, you have to figure out, how do you make the business big enough that it operates and works without you?  Yeah, I love that. I love that. And what makes you feel strongly for physicians?  Well, particularly independent physicians, I think it’s a dying breed. Years ago, I would hear the stories of my parents where they’d say, “Hey, we took you to the pediatrician,” and my dad would be friends with the OB-GYN that took care of my mom and the pediatrician. And I remember them naming them by first name or even meeting them at the social club. But nowadays, it’s very transactional. It’s very fast. There’s no connection.  So I think that’s why there’s been this whole surgence of concierge physicians where you pay extra. Because in truth, in order to make a living, the business of healthcare is compressed by downward pressures from the government and from other institutions that say, “We’re going to pay you less, but you have to have a significant amount of compliance, and you have to spend more money on this, and you have to do that.” And then at the same time, the cost of living goes up.  The employees need to make more money. Your rent goes up. The supplies continue to increase. So you have the static or lower reimbursement from the different payers, whether it’s Medicare, the government, or private institutions, and then an increase of expenses happening. That’s very strange to any business. In any other business, you say, “Well, if my costs go up, I increase my prices, and then maybe my margins are a little bit less, but I still have a significant margin.” In healthcare, you almost have to just work more in order to generate more revenue, and the expenses hopefully will increment a little bit more, but your earnings will be the same or less. So it’s a very tough situation for an independent physician.  That’s why more and more, especially physicians coming out of training, look for jobs with health systems, with the Kaisers of the world or the different large institutions in the United States, so that way they can go ahead and just go to work and take care of patients and not worry about the business of healthcare.  Yeah. But then these big hospitals turn into bureaucracies, and then they still have to worry about that in a different way.  And that’s personally the second part to that question you asked me. That’s why I like working with physicians and not necessarily with health systems. I’ve never held a job with a hospital. Not that I haven’t wanted to. It’s just, I think the nature of the bureaucracy of a health system creates some things that I’m not personally interested in.  Yeah. Well, I can see that. So Alex, this is a podcast of frameworks, as you know. So what’s a framework that has helped you build your business, maybe generate an insight, understand situations, maybe influence these physicians to come together in your roll-ups? Whatever framework you developed, could you share something with our listeners?  Yeah. Yeah, for sure. Most owners in a business—and I’ll talk in generic terms. I’ll try to make sure I don’t use any slang for healthcare—but most businesses build their business for income. They want to make income for their families, for themselves. They want to be able to take care of the people that they’re with. But they don’t really think about it from a perspective of, “Let me build a business that can multiply.” Maybe they want to, but in a lot of areas, it’s just hard for them.  I actually grew up in the bridal business. My parents had bridal stores. They basically did wedding packages, and that’s the business that I grew up in. Every summer, I would go and do the cash register or help rent tuxedos and things like that, or do filing and bookkeeping. So that’s where my entrepreneurial spirit comes from. It’s my parents. But I always saw them where maybe they built one or a couple stores, two, three stores, and they would kind of stop there. But I think I learned a lot from my dad in particular around multi-site operations in a retail industry, and I took that back into the healthcare business.  So one of the first things I think that a business owner has to do is they have to underwrite their own exit first.Share on X They have to think of growth and particularly of the value of the business if they were ever going to sell it. Figure out what your EBITDA or enterprise value is going to be, and then go from there. Then make the alignments first, but don’t make it the goal. Most people chase the volume, the customers, more locations, more deals, spend years fixing what they bolted on in order to flip it, but they don’t really take the time to align it. So I think the client, the partnership, the acquisition—you have to figure all that out at the beginning and then fix it later.  If I run into an acquisition that we’re looking at, and I don’t see the alignment from whoever I’m going to partner up with, I know it’s going to be a deal that’s going to go bad eventually. We all have to be thinking the same way. Then the other thing, like I already mentioned this a couple of times, but you have to take yourself out of the center. If you’re the CEO, you’re the business owner, and the business depends on you—you can’t go on your two- or three-week vacation to Europe or wherever you want to go, and when you come back, the business is in disarray or didn’t survive—you don’t really have a business.  You just have a job that costs you a lot of money to maintain. I think that’s where operating systems earn their keep. I haven’t really run the EOS program, but I’ve read the book, and I really like the idea of the scorecards, and I used it particularly when I came to this opportunity in San Diego. Getting everybody to row in the same direction. A business that runs with a founder and a single thing, it’s one that won’t get very far.  But on the other hand, if the founder figures out a way to build systems around them and bring in the right people, that’s going to make the business way more successful. And the last one I would say is own the margin around your core. Don’t just sell the core service. Figure out what else you have. And I think in healthcare in particular, I was mentioning this: doctors control a significant amount of what happens to a patient, but they don’t figure out ways to vertically integrate the business to have access or have the opportunity to earn some revenue and some earnings from the actual business they refer to.  So what I’ve done over the years, particularly in gastroenterology, I grew a medical practice of gastroenterologists. A couple of them came together, and it was around 50 million in revenue when I came in. And one of the first things I started doing was figuring out, how do we add, let’s say, imaging services? So we added CT. How do we add infusion services? Because back then, there were some significant drugs that were coming into market around infusion. But later on, we said, “Hey, we have an investment in an ASC, but why don’t we do the investment so the investment’s part of the group? So all the doctors can benefit from that.  And when we actually equitize the business in the future, that could be part of our exit if there’s equity there.” And then the next question was, “Well, why don’t we sell the prep that we give people before they get the colonoscopy?” So we got licensing around pharmacy, and then we said, “Well, what about anesthesia? What about pathology?” And so on and so on. So when I went to New York City and I ran a dermatology group, we built a path lab for the derms. When I came here to the orthopedic group, we had PT locations, expanded to multiple PT locations, improved the contracts around durable medical equipment, the bracing, even added anesthesia and started our own ambulatory surgical center.  So always trying to figure out, how can you vertically integrate the business to try to capture as much as you can from the client that’s in front of you? Not only just from a money perspective, but also from an experience perspective, being able to provide it all under one roof and being able to give the patient, the customer, a great experience. You want to provide outstanding medical care. Quality medical care is kind of like a base. If you go to a doctor, you expect to get better. But what we see in healthcare a lot is that people don’t think about it.  Like, in our offices, we say, “Thank you for choosing Synergy Orthopedics.” We know patients have a choice, so we have to develop a model that allows the patient to say, “Hey, I want to go here because these guys have it all under one roof.” But more importantly, that’s typically what the hospitals have. But hospitals charge for the same thing I provide two and three times more because they have a different type of leverage with the contracts. So I always say, “Why did the duck cross the road? Oh, because they went from the hospital to the ambulatory surgical center to get a colonoscopy to save 700 bucks.” I mean, it’s literally that simple.  And I don’t think patients in general know that, but I think the doctors have a great opportunity to control the delivery system, provide a great experience for the patients, and at the same time, make some money from things that they don’t physically have to do. They can hire the physical therapist, et cetera.  Yeah. Okay, so that’s great. So what I’m hearing, the framework is: think of growth first—what’s the EBITDA you want? Then create alignment, take yourself out of the center, build systems, and build margin around your core business. So that’s wonderful. Now, step two, I’m not 100% clear on. So you said make alignment with partners, but don’t make it the goal. What do you mean by that?  Well, because particularly I’ve been involved in private equity medical groups. So with private equity, you have cash, you have leverage, so you can go and buy, buy, buy, buy. In private equity, to a degree, they want growth. But I’ve been in deals where the thesis was, for example, we’re all going to be rowing in the same direction with the same flag, same brand, and we’re going to transfer from having—there were four medical groups, so four different, distinct medical groups—and we’re putting them together under what’s called a management services organization, a management company, and basically form one larger group.  But that was never aligned because the doctors, in their head, said, “You’re acquiring me, so you’re buying this magnificent, outstanding business. Now why do you want to change my electronic medical records? Why do you want to change the way we do our, let’s say, revenue cycle management or billing? Why do you want to change our brand? Our brand’s fantastic.” Even though they were all called Dermatology blah, blah, blah, something and something. So you have to make sure that the people that you’re going to bring on board, whether it’s through acquisition, merger, or just employment, that they really believe in your story, that they believe in the core vision of the business.  Not just try to put people in there and make more deals, get more locations, spend more years, and then you put all these things together and you bolt them up, but you spend more time trying to fix it. In my Gastro Health and in the ortho business, we always started with, “Let’s make sure we have our house in order before we go out and start growing the organization and adding more to what we have.” The last thing you want to do is add more and then find out that you have to spend more time fixing it.  No, that makes sense. But then you qualified it. You said, “Don’t make it the goal. Don’t make alignment the goal.” So how does it become the goal? What’s the risk there?  So no, make it the gate, not the goal. Meaning, alignment is extremely important, but you want the alignment to be the one thing that puts you together. But at the end, everybody has to be buying into the idea. It’s not the only goal. Their goal is also money. The goal is growth. But it has to be one of the key things. In healthcare, I tend to think, and particularly with private equity, that’s not perceived. It’s more about getting deals done.  Yeah. They don’t care about the mission. They don’t care about the vision, the alignment.  I think they do. In their thesis, they do, and they want it. But it’s kind of like, at the end, you’re looking at this business. They want to sell, you want to buy, you have money, they want money, and sometimes it’s just easier to say, “Well, we can grow from $30 million to $60 million, from $10 million of EBITDA to $20 million of EBITDA. We’re going to get, instead of a 10 multiple, we’re going to get a 15 multiple.”  So sometimes that gets in the way. And I would say, by the way, I worked with great and fantastic private equity firms, so I’m not saying they all think that way. But for sure, the perception is that they’re going to go in and try to make deals happen because they do have an end goal. Their end goal is to their investors that gave them funds, that they told them they were going to get them a four-, five-, seven-times multiple on their investment.  So in your own business, Synergy Orthopedic Specialists, is this a private equity-funded business or is it bootstrapped?  No. No, it’s bootstrapped. The physicians, when I came on board—at that time, I started with them six years ago in 2020, and the market was really hot still, ’21, ’22, ’23, and then the interest rates went up, and then things have softened. I think also they got softened for what we’ve been discussing earlier. There’s been a lot of deals that have been done where acquisitions were done in multiple states. There’s not a lot of synergy or a lot of things that were worked out to try to make sure that the organization was working together, the multiple organizations that were acquired.  And the idea was, if we buy four million-dollar businesses, they will be, instead of an eight-times multiple, they’ll be a 10- or 12-times multiple. So I think there’s a lot of deals that are stuck in the marketplace right now, and the groups are trying to figure out how to evolve the organization after five, six, seven years from, “Hey, we let you alone. We let you be. But now we need to start integrating. Now we have to start building an enterprise. Now we have to start building a real platform.” And I think that the organizations that did that earlier have been able to exit and done a much better multiple and growth.  And also the key is, in these transactions where people get together, a lot of times it’s all about the fun. “Hey, we go out to dinner, and everybody’s well, and everybody’s happy, and how much money we’re going to make,” and blah, blah. But nobody really asks the tough questions, or some people do because they actually don’t want the deals to get done. But I think it comes from the buyer. The buyer needs to be very upfront with what they want to accomplish with a transaction, whether, again, a merger or an acquisition.  You want to make sure that you’re extremely transparent about what the end goal is going to be. And if the end goal is like, “Hey, I’m going to leave you alone for a year, but in a year and one day, your name’s going to change, your software’s going to change, your HR is going to change. And by that time, we’ll figure out about your staff, and we might probably cut 25% of your staff because you’re bloated, and we actually have to make you a little bit more fit and trim so you can actually be able to grow and provide better care to your patients.”  So what I’m seeing is, it’s quite impressive. You have 15 locations, you have a huge service mix. You have, compared to the number of locations and service mix, a limited number of people. So how do you maintain the Synergy standard? And how do you manage this complexity with such low—low per— It took— How many people?  Yeah, it’s—right. Yeah, I agree. It’s taken some time. Again, I wouldn’t say that it’s perfect. We’re always evolving, changing. I mean, I always say the only constant thing in healthcare is change. But it started with the company culture. When I first got here, there were four or five organizations that came together, and they were still using their old names. Synergy Orthopedics was like this little kind of byline under their business cards. It wasn’t really the brand.  And then over time, we got people in the organization rowing in the same direction, using the same flag, and over time we started to dominate the market. We started to be perceived, and we are today, the largest independent medical orthopedic group in San Diego. So when people think of MSK, we take care of the hockey team, we take care of the soccer team, we take care of professional players. The larger organizations reach out to us about developing contracts, direct contracts to provide services to them.  So that took a long time, but it started with building that company culture. And along the way, some people left. Some people just didn’t fit what we were trying to build. And it wasn’t just me. I didn’t do this by myself, of course. The reality was we built a team around what we were trying to create. Physicians, in this case, are the leaders. Physician leadership was there, and this is what they wanted as well. So I think, yes, when we’re now in other counties we’re in Riverside County, so we’re north of San Diego. We’re all the way to Palm Desert and looking to grow into Orange County and L.A. County eventually.  So the goal is also in growth, and size allows leverage and negotiation power with the different payers. And that’s very different than in other industries where you have a payer, let’s say Blue Shield or Anthem or United, that kind of controls how you’re going to provide service, how much they’re going to pay you, et cetera, et cetera. So the only way to really have any type of seat at the table is that your organization has to be large enough and a market leader and basically be something, or an organization, that they can’t say no to, that they want to have in their network. So that’s how we’ve been able to do this over the last five, six years now.  So what drives the growth? Is it the acquisitions? Is it geographic expansion? Is it payers refer business? What’s the driver?  All of it. You have to do everything. It’s like that movie, Everything Everywhere All at Once. It’s like you have to do everything. We started by first creating the brand and the company culture, expanding that brand and company culture by figuring out who having the right seats on the bus, making sure the right people that wanted to be with us were there. And then we said, “Okay, we don’t have a spine program. Let’s figure out how we recruit a spine doctor. Let’s figure out how we recruit a pain doctor.  Let’s get a foot and ankle specialist because we don’t have one. Let’s expand our sports medicine program.” So we took over a fellowship training program in San Diego that was probably going to expire, and then we took it over and continued the legacy of the physician that started it from the beginning. We’ve done some mergers. We’ve done some acquisitions. We’ve done some new locations. We’ve expanded our physical therapy footprint. We built out an ambulatory surgical center. That was a big endeavor. These things cost millions and millions of dollars. Just in construction alone, it was like $600… I think our overall investment’s somewhere around $12, $15 million, so highly leveraged. We brought in a partner, a national partner, to help us run and fund the enterprise.  We started an anesthesia division. So I would say you have to do everything, and all of it together, as time goes by, creates that vision. As long as you have the vision, like I said, the beginning thing is you have to start with the end goal. And the end goal is we want to build a business that’s independent. That’s our goal. We don’t want to be sold or be part of the hospital system. So you have to build the end goal, work through the process, grow it, and do all the things at the same time, which is extremely hard, I would say.  Yeah. This is fascinating. So you have a lot of complexity. You have a lot of locations, a lot of services, 50 providers. I mean, sometimes doctors can be cats, hard to manage them. Eagles, eagles. I always say, try to get eagles to fly in a straight line. Impossible. Yeah.  But if you had a magic wand and you could fix one thing in your business in the next 12 months, what would it be?  I will be honest, it’s expenses. Expenses can and I’ve talked about this before the pressures in the healthcare industry really are driven around expenses. We just got an increase in minimum wage in healthcare, specifically in California, where a physician practice now has to pay $23 an hour for a minimum-wage job, where minimum wage is almost half of that if you’re in any other industry. So I think everybody should make more than $23, particularly in San Diego. It’s a very expensive place to live.  But I think it’s more around the pressures that are put on the industry, but the levers are not there to increase revenue to be able to support or subsidize those expenses. So, for all intents and purposes, we’re looking at how we increase revenue by keeping expenses the same, or fixed, or a little bit higher than what they are, by augmenting with AI, like every other industry is doing. Figuring out whether it’s using AI in your MRI to be able to process the imaging faster, clearer, better, and be able to add three or four more patients a day. That profit goes straight to the bottom line.  It might be before we had people that are scribes that basically did the documentation of the history, the notes, and the medical records. Now doctors are using—well, they’ve been using voice recognition for a while—but now you’re doing ambient AI, where basically it’s listening to the conversation with the patient, of course with the patient’s approval, and being able to document all that information into the record much faster, quicker, better, and more precise. And so on. Answering the phones, being able to—when the patient gets statements, we typically send out statements every two weeks.  But when we send them, we send thousands of statements, so we get thousands of phone calls. You can’t get all those phone calls when somebody says, “I owe $50, and I don’t know why,” and being able to have an AI that tells you, “The $50 is because you had a copayment or you had a deductible, and it’s due to your insurance program with whatever the insurance is.” And they’re like, “Oh, okay.” “You want to pay that right now?” “Yes.” It sends you a text to your phone, qualifies who you are, you click on it, you put your payment information. The information goes in, the payment gets posted. Nobody got involved. AI took care of the whole process. So we’re trying to figure out how to assist the staff without having to let go. At least my intent is not to let go of people.  My intent is to try to make sure that we do the best job possible and use AI to augment the process, not to replace the staff. I get very worried, in general, about what’s going on with AI as an industry, where people are saying, “Well, I use it as my assistant. I use it as this.” Well, I started at the front desk. If there are no front desk jobs, how could I have been CEO of this multimillion-dollar organization if I didn’t get a foot in the door to begin with? So I feel very worried for my kids that are growing up. One’s studying to be a psychologist, the other one’s in marketing. How are they going to learn and grow in an industry or a business if they can’t get their foot in the door?  Yeah. That is a concern. I don’t know if we can fix it, but I’m worried about it too. So Alex, who would you like to listen to this podcast and to take action? And what kind of action should they take?  Well, I think it’s generic. I always say, I have an MBA in healthcare administration, but I could have gone and done any type of business. Like I said to you, I grew up in the retail industry. So I think it’s more around, if you’re an entrepreneur and you have talent and you’ve worked really hard at doing something, you have to figure out how to hire the right people so that they can do a job that maybe you don’t know how to do, how to scale up a business by investing in it, making sure you don’t look at your business as an ATM machine or a salary that pays you every week or every period of time, but look at it as you’re an entrepreneur, a capitalist.  You’re building an organization. You’re providing jobs for people. But at the end, the business has to give you more than your salary. There has to be equity in the enterprise, and that’s the money you’ll be able to use to maybe have leverage or to use in order to add that next location or look at what’s the next opportunity, whether you’re, again, a doctor or you’re running a retail organization that wants to have multiple locations. The key is, think of the end goal. And the end goal, not necessarily that you’re going to sell, but what is it going to be? What is the business that you want to have valued at, and how have they grown?  Look and listen to other people like yourself, Steve, and all the different things that you do in regard to building that journey of the business, and figure out how to take the next step and the next step and the next step. It doesn’t happen overnight. You don’t get from a $50 million company to a $150 million company. It took me seven years to get there. But it’s done by augmenting and adding features and adding services, but doing it very intelligently, thinking it through, not just adding it for the sake of adding it, then, like I said before, having to bolt it on and try to fix more of the problems, creating more problems.  No. Fix your house, figure out where you’re at, make sure it’s earning equity. Maybe you have to reprice. Maybe you have to figure out how the business needs to run a little bit nimbler. Maybe you have to use technology, whether it’s AI answering the phone because you’re the guy that—you have a pizza shop. Why do you have to have people answering? Have the AI take the order, have the AI tell people to go to the website, and so on, so you can have pizzas going out of your store every five minutes. So for sure, there are great opportunities. And if you’re a business owner, I want you to think that you can. It’s not impossible. It can be done. You don’t need an MBA. You just need to work hard and think it through and come up with a business plan and an idea on how you want to get there.  Yeah. Well, this is very inspiring. So if you are a founder, you’re running a business, or you’re about to start a business, look at what Alex has done. He was a son of Cuban immigrants, came to this country, built from nothing a 15-location, 50-provider medical group, and works with private equity, advises companies as well. Follow his example.  So Alex Fernandez, thank you for sharing your wisdom on the show. And if you’re listening and you enjoyed this conversation, stay tuned because I have a couple of exciting entrepreneurs every week who come on the show and share their secrets and frameworks with you. So thanks for coming, Alex, and thank you for listening. Important Links: Alex's LinkedIn Alex's website

The Common Sense Practical Prepper
Goldbacks For Preppers

The Common Sense Practical Prepper

Play Episode Listen Later Aug 24, 2026 15:49 Transcription Available


Send us Fan MailNot financial advice.A piece of real gold you can fold like a bill sounds like a prepper cheat code, right up until you ask the hard questions: Is it actually gold, can you really spend it, and what are you paying for besides the metal? I walk through goldbacks from a practical preparedness angle, starting with what they are at the most basic level: thin polymer notes with layered 24 karat gold embedded inside, created to make gold “spendable” in small denominations.Then I share my own gold ATM adventure near Richmond, Virginia, which turned into a huge letdown when the app led me to sketchy locations that did not match the promise. That story tees up a bigger point about due diligence: if you are buying precious metals for financial resilience, you cannot rely on hype, outdated listings, or random sellers. Where there is gold, there are scams, and we talk through simple ways to reduce your risk.From there, we get into the real pros and cons. Goldbacks can add a layer behind cash with potential barter utility, privacy, and a format that still works when electronic payments fail. But they also come with limited merchant acceptance, meaningful premiums over spot price, inconsistent buyback liquidity, price fluctuations tied to the gold market, and the very real friction of having to explain what you are handing someone in a high-stress moment. I also cover where to buy goldbacks through reputable online bullion dealers or local coin shops, and how to think about them as a niche tool rather than a replacement for cash, silver, or traditional gold bullion.If you care about prepping, inflation hedges, and tangible assets you can hold in your hand, this is a grounded look at whether goldbacks make sense after your basics are covered. Subscribe, share the show with a friend, and leave a review if you want more practical, common sense preparedness.https://augasonfarms.com?sca_ref=9315862.VpHzogdDNuAugason FarmsSupport the podcast. Click on my affiliate link and use coupon code PODCASTPREP for 10% discount!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showHave a question, suggestion or comment? Please email me at practicalpreppodcast@gmail.com. I will not sell your email address and I will personally respond to you.

Church of Lazlo Podcasts
8.20.26, Flinging a Flamingo

Church of Lazlo Podcasts

Play Episode Listen Later Aug 20, 2026 110:42


There are TOO many apps. A man in a Chucky mask is chasing people around, Lazlo stole a ton of money from an ATM, and Omaha is electric shocking kids. Joshua Vernier gives Lazlo advice on how to throw out the first pitch today, and SlimFast's mom gaslit him into thinking she was dying. Stream The Church of Lazlo podcast on Apple Podcasts, Spotify, or wherever you get your podcasts!

True Crime Recaps
The Cindy Wanner Case: A 35 Year Cold Case Finally Breaks Open

True Crime Recaps

Play Episode Listen Later Aug 20, 2026 13:50


In November 1991, Cindy Wanner disappeared from her sister's home in Granite Bay, California, leaving behind her 11 month old daughter, her shoes, her coat, and her car. Her missing purse and a later ATM transaction were among the few clues investigators had to work with. Nineteen days later, Cindy was found in a remote area of the Sierra Nevada foothills. Investigators determined she had been held for nearly two weeks before her death, turning the disappearance into a murder investigation that would remain unsolved for decades. For 35 years, detectives revisited the evidence without finding a suspect. Then in 2026, new DNA testing pointed investigators toward James Lawhead Jr., a man with a prior violent criminal history who had spent years living under different identities. Investigators eventually located him in Arizona and arrested him in April 2026. Lawhead now faces a murder charge with additional special circumstances connected to the case. The arrest marks a major breakthrough, but for Cindy's family, the search for justice after more than three decades is not over. Follow True Crime Recaps for weekly cases examining real investigations, cold cases, and the justice system. Learn more about your ad choices. Visit megaphone.fm/adchoices

I Don't Know About That
ATM: Episode 69 - Amos Got a Fake Gig

I Don't Know About That

Play Episode Listen Later Aug 19, 2026 74:11


At this moment, Jim is back in the US and Amos is in Australia shooting a movie. Amos starts off with an embarrassing story about a fake job of his and then the two tackle some stories around the world like a mistaken murder, mutiny, and the Edinburgh Fringe Festival.ADS:MOOD: Head to http://www.mood.com, find the functional gummy that matches exactly what you're looking for, and let Mood help you discover YOUR perfect mood. And don't forget to use promo code ATM when you check out to save 20% on your first order. Try it today at http://www.mood.com. QUINCE: Download the Quince app for app-exclusive offers, or go to http://www.Quince.com/ATM. Get free shipping on your order and 365-day returns. Now available in Canada and the UK, too.SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Capitol Pressroom
Limiting ATM fees on New Yorkers using EBT cards

The Capitol Pressroom

Play Episode Listen Later Aug 18, 2026 9:48


Aug. 18, 2026 - Assemblymember Yudelka Tapia, a Bronx Democrat, explains why she wants to stop state-chartered banks from charging ATM fees to New Yorkers trying to access government assistance money.

Male Call Podcast
Poker Run, Pizza ATM and AI

Male Call Podcast

Play Episode Listen Later Aug 18, 2026 56:09


Tammy, Kenny and Nick talk to Erica with the Combat Veterans Motorcycle Association about their upcoming Veteran Poker Run Fundraiser, Rusty called in about the $5 pizza ATM promotion at Ralphy’s, and we dug into some recent AI stories.See omnystudio.com/listener for privacy information.

Biznisz Boyz: A magyar vállalkozói podcast show
2000 fizető tag: így működik egy valódi előfizetéses biznisz - Erdélyi Nikolett (Nikolett.com)

Biznisz Boyz: A magyar vállalkozói podcast show

Play Episode Listen Later Aug 17, 2026 143:27


Mi történik akkor, ha egy sikeres, sokszor milliós forgalmat generáló gépezet elkezd kiégetni, és rájössz, hogy valójában ATM-nek néznek a saját cégedben? Vendégünk Erdélyi Nikolett, a Nikolett.com, a Brilliáns Tagság és a The Change alapítója, akivel a tudatosságról, a brutális hatékonyságnövelésről és az önműködő előfizetői rendszerek titkairól beszélgettünk. Nikolett őszintén mesélt arról, hogyan csökkentette csapatát 25 főről 4 főre, miközben az árbevétele stabil maradt, és hogyan épített fel egy több ezer fős, elkötelezett tagsági rendszert a saját szórakoztatására és mások inspirálására.

AML Conversations
FinCEN Ends BOI Reporting, Fraud Enforcement Expands, and Global Compliance Shifts

AML Conversations

Play Episode Listen Later Aug 14, 2026 15:38


In this episode of This Week in AML, Elliot Berman and John Byrne break down FinCEN's final rule eliminating beneficial ownership reporting requirements for millions of small businesses and discuss what the move means for AML compliance, transparency, and financial crime prevention. The conversation also explores the renewal of FinCEN's Minnesota Geographic Targeting Order and the growing debate over whether the U.S. is experiencing a true fraud crisis, including insights from Jonathan Rusch's recent analysis of federal fraud enforcement efforts. Beyond the U.S., the hosts examine OCC concerns that led to the rejection of a European fintech's national bank charter application, the Luxembourg FIU's new authority to freeze fraud-linked payments, developments surrounding European beneficial ownership registries, Russia's reported sanctions-evasion payment network, and Australia's enforcement action against a major cryptocurrency ATM operator. The episode concludes with a discussion of a new de-risking resource for nonprofits.

Mobile Payments Today
What's changed in man-in-the-middle attacks?

Mobile Payments Today

Play Episode Listen Later Aug 14, 2026 20:00


The era of the lone criminal targeting an ATM has ended. Now, organized criminals work together to figure out vulnerabilities and target ATMs. One of their primary techniques in 2026 is man-in-the-middle attacks, which intercept communications between the host and processor to send out fraudulent transactions.In today's episode of the Bank Customer Experience podcast, host Bradley Cooper spoke with Michael Strange, director of technology services, Cook Solutions Group, and Alyssa Luecke, fintech solutions consultant, Cook Solutions Group, about what MITM attacks are and how they have changed in 2026.During the podcast, Strange identified that criminals are able to perform these attacks with much better efficiency and without as much risk of being on site. For example, they can install a black box device, usually a Raspberry Pi, directly into the machine and then communicate with it remotely.Strange said that in the Pacific Northwest these attacks have become the main vector of actors. "I'd say the last 3 months, that's all we've seen. It's been almost exclusively man in the middle."He added that criminal groups have started using Wi-Fi routers so they can control the attack remotely, as well as using server spoofing."They don't need the local Bluetooth connection anymore, they can have that guy off site." They can even use black boxes in bypass mode, which allows customers to do legitimate transactions in between installation of the black box and when the criminal groups device to use it.The process of the overall attack remains the same. A group scouts out the location first, noting any cameras and the overall security of the device. They will then attempt to remove the top box to see if an alarm is triggered or any law enforcement is called. If no alarm sounds, they will replace the top box, then come back at another date to install the black box device. They can then send out cash collectors who can insert a payment card and put in a legitimate transaction. The black box will then take that legitimate transaction and approve a maximum withdrawal.Strange said in many cases, banks only find out about this incident when they run out of cash at the ATM. Even then, Luecke said that the bank may attribute this to a busy week of cash withdrawals.Luecke and Strange also discussed methods for how to prevent attacks, such as installing an alarm on the top hat, from which criminals can access the network cables. They can also use barriers that can block access to the top hat.To learn more about this attack vector and ways to prevent it, listen to the podcast in full above.

Behind The Billboard
Episode 115 - Laura & Duncan

Behind The Billboard

Play Episode Listen Later Aug 14, 2026 55:39


Visuals: https://getbehindthebillboard.com/episode-115-laura-duncan Episode #115 features the award-winning Laura Hutchison & Duncan Clark aka ‘LaDunq' - a brilliant and prolific creative team who joined Uncommon in 2023 and have had a meteoric rise ever since. In just three years, L&D have been promoted to senior creatives, were nominated for "Emerging Team of the Year" at the Campaign BIG awards and shortlisted for the Tony Cunningham Award for Emerging Talent. Their work on huge brands such as British Airways, Monzo and Instagram has won awards galore and gained huge amounts of PR. We started with their first billboards for the British Airways ‘A British Original' campaign, a cracking start. Next up was ‘ATMmmm', the world's first sausage roll-dispensing ATM, for Monzo & Greggs in one of the most surreal pop-ups Newcastle has ever seen. Then we chatted WWF ‘A Prescription for Nature' which positioned the great outdoors as a medical necessity to combat the nation's mental health crisis. A campaign perfectly pitched for modern times. We discovered that Duncan has been and still is a carer. And how his job inspired The Carers Trust campaign, featuring unpaid carers stuck at home unable to protest because they're literally caring all the time. It's a really emotive project that first came about during their time at School of Communication Arts. And then we covered Instagram ‘Anyway'. “Doubt kills creativity. There's a hundred reasons not to do something. Do it anyway.” A wonderful use of DOOH with some incredible talent both in front of and behind the camera. We even squeezed in the Ecover work that encourages consumers to squeeze more into their half-empty dishwashers. “If it's not full, it's wasteful.” Thank you Laura & Duncan for being such charming guests with such brilliant work. Thanks to all our sponsors, who make the show possible: Bauer Media Outdoor View2Fill Super Optimal GAS Music

Digital Nomad Experts - Beach Commute
11 scams to watch out for as a digital nomad | BC Classics

Digital Nomad Experts - Beach Commute

Play Episode Listen Later Aug 12, 2026 57:01


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:

Woody & Wilcox
08-06-2026 Edition of the Woody and Wilcox Show

Woody & Wilcox

Play Episode Listen Later Aug 6, 2026 78:28


Today on the Woody and Wilcox Show: Warning about owls; Rabbit saves family; ATM fees and paying cash; Bank of America lawsuit about log-in times; Pretentious hobbies; Americans struggle with sleepiness; Swearing parrot is up for adoption; And more!

How To! With Charles Duhigg
How To Stop Being an Emotional ATM

How To! With Charles Duhigg

Play Episode Listen Later Aug 4, 2026 26:33


Last week, our expert Arthur Brooks gave us some surefire advice for resetting the parent-child relationship so your kids don't treat you like an emotional ATM. On this episode of How To!, he's going to teach our listener, Karen, how to balance the books, so to speak, by taking some withdrawals of her own. He has some surprising tips for how to restrain yourself from swooping in to save the day when it would be better to let them figure it out. Starting with a hilarious story of the time Arthur's adult son called him—pantsless—from Las Vegas. If you liked this episode, check out part one: "How To Parent Less." Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Executive Producer Corey Wara Edited by Geoff Craig Booking by Ben Astaire Do you have a burning question or a problem you need help with? Email us at howto@mikepesca.com and we will consider your topic for the show. For full Pesca content and updates, check out our website at https://www.mikepesca.com/⁠⁠⁠⁠⁠⁠⁠⁠ To receive ad-free content, become a Pesca Plus subscriber at ⁠⁠⁠⁠https://subscribe.mikepesca.com/ For Mike's daily takes on Substack, subscribe to The Gist List https://mikepesca.substack.com/ Follow us on Social Media:⁠⁠⁠⁠ Instagram https://www.instagram.com/pescagist/ X https://x.com/pescami YouTube https://www.youtube.com/@pescagist⁠⁠⁠⁠ TikTok https://www.tiktok.com/@pescagist To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/howto Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Making Money Personal
Skimming and Gluing: Two Criminal Practices to Watch For - Money Tip Tuesday

Making Money Personal

Play Episode Listen Later Aug 4, 2026 7:07


How often do you reach for cash when making a purchase? If you are like most Americans, it's not very often, and the bigger the purchase, the more likely you are to use a credit or debit card. Fraudsters are aware of these statistics so they develop tricky tactics to intercept your card information during the purchase process.  Links: Check out the news story covering gluing: https://abc7news.com/glue-in-atm-slot-chase-scam-tap-card-bank/12935385/ Learn more about Triangle's Better Checking account with ID Protection 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.   Now, more than ever, it's important to safeguard sensitive card information to prevent an interruption in your ability to make important purchases. It's often stressed to pay attention to any attempts to steal our information when we use our cards online, but the unfortunate reality is that even if the card stays in your physical possession while paying, there are several ways that your card information can be stolen or used fraudulently. Let's revisit two of these criminal practices, and learn how you can be your own superhero and stop fraud before it happens.  Skimming  You've probably heard about this one before. Skimming is a technique employed by criminals to steal sensitive payment card data, including credit or debit card numbers, PIN codes, and other personal information. Even though this illegal technique has been around for more than twenty years, it is still one of the most common types of card fraud. It typically occurs when a physical device, known as a skimmer, is placed on or near a legitimate card reader, such as an ATM or a point-of-sale (POS) terminal at a store or gas pump. The skimmer is designed to capture card data, while an additional component, like a hidden camera or keypad overlay, records PIN codes or other information about the payment card transaction. Even if you have a chip card, many card terminals still use the magnetic stripe on the back of the card in addition to or instead of the chip. The only transactions that are not subject to skimmers are those where you do not insert your card past the chip portion, therefore, the magnetic stripe is not readable, or you use Tap-to-Pay. Tap-to-Pay allows a cardholder to physically tap the card on the device, which uses short-range wireless card reader technology to access the account, rather than relying on the physical attributes of the card.     How to Detect a Skimmer:  Examine the Card Reader Carefully: When using an ATM, or a POS terminal at a store or fuel pump, check the device for anything that looks odd. Fraudsters may attach a skimmer directly over the card slot or PIN pad, resulting in something that is not the same color or shape or looks bulky. Look for any other signs of tampering, such as scratches, glue residue, or a loose-fitting card slot (touch to see if it moves). If anything seems suspicious, avoid using the machine and report it immediately.  Use Your Hand to Shield Your PIN: You may have developed a habit of using your hand to shield the keypad when entering your PIN code if you are in line at the grocery store, but what about when you are alone at an ATM or gas pump? You need to include this as a habit every time you enter your PIN, no matter where you are. Criminals often install tiny miniature cameras at the point where a skimmer is installed to capture your PIN, as the skimmer captures the information from your card. Use Secure and Trusted Devices: Whenever possible, use ATMs or payment terminals that are in well-lit, secure areas. When filling up, choose pumps close to and within sight of employees. Illegal skimmers must be installed by someone, and criminals will choose areas where they are the least likely to be noticed and caught. Monitor Your Accounts Regularly: Regularly review your bank statements, credit card statements, and transaction history for any unauthorized or suspicious activity. Report any discrepancies to your financial institution immediately.   Gluing or "Glue-and-Tap"  Gluing or Glue-and-Tap is a method that criminals are using at ATMs to access your bank account directly, skipping the need for your card information altogether. This scam typically occurs at a free-standing ATM in a well-trafficked area where people approach on foot. It goes like this. The perpetrator pours glue into the card reader, setting up the scam. Sometime later you visit the ATM to retrieve cash, but you find that you can't insert your card. A seemingly helpful bystander tells you that the machine is jammed, but if you tap your card, you can still make a withdrawal. At that point, you tap either your card (or phone), enter the PIN required for tap transactions, and leave, often even thanking the “helpful” stranger. The bystander is counting on you, the victim, not being familiar with this type of withdrawal and unaware that you will need to take an extra step to exit the account on the screen before leaving the ATM. Unlike when a card is inserted, and the account window closes when the card is removed, a tap transaction must be closed out on the screen. The criminal perpetrating this scam expects the victim to be unfamiliar with the process, and they can then drain the account that has been left open. Some victims even report being uncomfortable due to the bystander's presence; therefore, completing their transaction and being distracted in their effort to leave the area quickly and safely, leaving their account window open, even if they know better. Scammers utilized this method back in 2023 during a series of incidents in San Francisco, which was featured in a video news report.  To help protect yourself, avoid any ATM with a card reader that doesn't seem to work properly. If you are comfortable using the tap feature on your phone or card for transactions, always wait for the prompt asking if you are finished and confirm that your account is no longer accessible before leaving.  It's up to all of us to stay protected against identity theft, particularly in the case of payment card fraud. But if a criminal gets your payment card, they may not stop there. If you feel you may be a victim of identity theft, we have professionals standing by to help you get your life back on track. If you have a Better Checking account at Triangle, take a moment to review and activate your monitoring benefits. This will help you stay informed of any activity that could indicate you are a victim of identity theft.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Unresolved
Alan Wood

Unresolved

Play Episode Listen Later Jul 30, 2026 29:49 Transcription Available


"Why do that to such a gentle man? If they had wanted his money, he would have given it to them."On the evening of 21 October 2009, 50-year-old Alan Wood dropped by his local pub, the Willoughby Arms, in the nearby town of Little Bytham. He had a pint and a snack while he read the newspaper, and then headed home to his bungalow in nearby Lound at approximately 6:30 PM. It was a typical night for him and nothing seemed to be out of the ordinary.For the next three days, no one heard from him. He didn't show up for his scheduled shifts at a Sainsbury's supermarket. When called, he didn't answer. It wasn't until that weekend - the 24th of October - that a friend and colleague from Sainsbury's went to go check on Alan. When they arrived, they found both the front and back doors of Alan's home were wide open...If you have any information about this story that you'd like to share, please contact:Lincolnshire Police: 101Crimestoppers UK: +0800555111Check out the podcast store at unresolved.dashery.comIf you would like to support this podcast, consider heading to https://www.patreon.com/unresolvedpod to become a Patron or ProducerBecome a supporter of this podcast: https://www.spreaker.com/podcast/unresolved-a-true-crime-mystery-podcast--3266604/support.

I Don't Know About That
ATM: Episode 68 - Proof of Life

I Don't Know About That

Play Episode Listen Later Jul 29, 2026 48:15


At this moment, Jim and Amos finally regroup during two of their international tours. Amos is calling in from Greece and Jim from Australia. They catch up on what they've been up to.ADS:MOOD: Head to http://www.mood.com, find the functional gummy that matches exactly what you're looking for, and let Mood help you discover YOUR perfect mood. And don't forget to use promo code ATM when you check out to save 20% on your first order. Try it today at http://www.mood.com. SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Crime Beat
The Night Shift Part 02 | 08

Crime Beat

Play Episode Listen Later Jul 28, 2026 55:55


As homicide detectives investigated the violent beating death of a sandwich shop clerk, they soon realized the young woman wasn't the only one savagely attacked that night. As the hunt for a killer intensified, Global News Senior Crime reporter Nancy Hixt shares how evidence discovered from a robbery at a nearby ATM led to police identifying a suspect in this violent crime spree. Contact: Instagram: ⁠⁠⁠⁠⁠@nancy.hixt⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/NancyHixtCrimeBeat/⁠⁠⁠⁠⁠ Email: ⁠⁠⁠⁠⁠nancy.hixt@globalnews.ca⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Angry Americans with Paul Rieckhoff
Arizona Tests Trump. McCain's Revenge & More Indys than Dems in AZ.

Angry Americans with Paul Rieckhoff

Play Episode Listen Later Jul 22, 2026 12:09


Hegseth's $37 Billion Ask. Three Weekend KIA Troops Identified. Media Blitz Pod. Arizona is where the MAGA machine keeps breaking its teeth, and this episode explains why. Paul Rieckhoff files a rapid recap from inside 30 Hudson Yards after two hours in the Hegseth hearings and a night of primary results — with 34% of Arizona voters registered independent (more than Democrats), a Trump-aligned Andy Biggs winning the GOP nomination while still refusing to admit Trump lost in 2020, and Cindy McCain openly fundraising for the Democratic incumbent Katie Hobbs. It's McCain's revenge, it's a preview of the general, and it's a warning about where the money is about to flood. From there Paul widens the aperture: Pete Hegseth's $37 billion ask on Capitol Hill, Chairman Dan Kane on the record, three troops killed in and around the Iran war whose names deserve to be spoken, and a Republican war chest that now sits $541 million ahead of the Democrats. The primary system is broken, campaign finance is broken, and both parties are pushing more extreme candidates while the actual American middle — independents, veterans, mavericks — gets treated like an ATM. If you want to understand where 2026 is actually being decided, it's not in a party HQ. It's in Arizona. -WATCH full video of this episode here. -Millions of American veterans are being locked out of primary elections in the country they served. See what we're doing to change that. -Visit Kalshi and trade on anything. Use code [INDEPENDENT] to get ten dollars when you trade ten. -Join Noble Mobile today and get a $100 bonus when you use code PAUL and stay a member for 2 months! -Join IVA and help us get independent veterans elected to office. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Learn more about American Veterans for Ukraine here. -Remember Independent is an Attitude. -Learn more about The Headstrong Project for Veterans, Tragedy Assistance Program for Survivors (TAPS), and Department of Veterans Affairs resources in your area. Seeking support is not a sign of weakness. It's a show of strength. If you or a loved one are in immediate crisis, dial 988 and press 1, or text 838255. Connect with Independent Americans: Subscribe on YouTube, Spotify, Apple Podcasts, and all podcast platforms Read more at Substack Support ad-free episodes at Patreon  Connect: Instagram  • X/Twitter • BlueSky • Facebook  Follow on social: @PaulRieckhoff on X, Instagram, Threads, and Bluesky -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year.  Independent Americans is powered by veteran-owned and led Righteous Media.  And now part of the BLEAV network!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Cold Case Files
Caught on Tape / A Son to Remember

Cold Case Files

Play Episode Listen Later Jul 7, 2026 45:26


A video tape made at an ATM machine helps police in Louisville, KY, to nab a man suspected of raping 13 women. And a DA investigator in Georgia helps crack a murder case that his father, a police chief, first worked on 30 years before.This Episode is sponsored by BetterHelpApartments.com - To find whatever you're searching for and more visit apartments.com the place to find a place.BetterHelp: Visit BetterHelp.com/COLDCASE to get 10% off your first month.Mint: To get the new customer offer and your new 3-month premium wireless plan for just $15 a month, go to Mintmobile.com/coldcaseQuince: Go to Quince.com/coldcase for free shipping on your order and 365-day returnsShopify - Sign up for a one-dollar-per-month trial period at Shopify.com/coldcase and take your retail business to the next level today!Zazzle: Go to Zazzle.com for 25% off your first order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.