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BOSSes, Anne Ganguzza is joined by Tom Dheere to tackle a topic many voice actors fear most: marketing. In this episode, they break down the essential difference between direct marketing (you go to them) and indirect marketing (they come to you). The hosts discuss how to make both strategies work for you, offering a powerful, actionable roadmap for building a sustainable voiceover business. 00:01 - Anne (Host) Hey boss listeners. Are you ready to turn your voiceover career goals into achievements? With my personalized coaching and demo production, I'm here to help you reach new milestones. You know you're already part of a boss community that strives for the very best. Let's elevate that. Your success is my next project. Find out more at anneganguzza.com.  00:25 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:44 - Anne (Host) Hey everyone, welcome to the VO Boss podcast and the Real Boss series. I'm your host, Anne Ganguzza, and I'm here with Mr Tom Dheere. Hello, hello, hello, the Real Boss, Tom Dheere.  00:56 - Tom (Guest) Hi, I'm seeing the light ring in my glasses. I'm going to change. I want to change these.  01:01 - Anne (Host) Wait, I thought you said I'm seeing the light.  01:03 - Tom (Guest) I'm seeing the light. Well, yeah, no, but the light was seeing me and my glasses, so I'm switching over. I have, like different pairs of glasses for where I'm at.  01:11 - Anne (Host) No, really. So like these are better. I hear that. I hear that Yours are part of a marketing strategy.  01:18 - Tom (Guest) Mine are purely because my eyeballs are decomposing. I can hear them.  01:22 - Anne (Host) But me too, though, I need them as well, and I figure I might as well make them part of a marketing strategy. And speaking of marketing, yes. Great segue, isn't it? I think it's one of the most feared things for any voice actor is to actually think and do marketing, and so it's a great topic to talk about, because, I mean, we could talk like multiple podcasts about it, but let's talk about marketing Indirect marketing, direct marketing. They're both important.  01:49 - Tom (Guest) Yes, absolutely.  01:50 - Anne (Host) Let's distinguish the difference.  01:52 - Tom (Guest) Right, and this is the thing that when most people come into the voiceover industry, they think and their instinct is correct, so I need to market myself. What does that mean? For most people, it's slamming into social media sideways and talking about what they had for breakfast, or it most often means cold calls and cold emails. Now, you can clearly lump all of that stuff together into marketing, but there's a lot more to it. It's a lot more nuanced than that.  02:18 - Anne (Host) You say the word cold calls and I think people go cold. I know they do. They're like oh no cold calls now.  02:25 - Tom (Guest) So the way I talk about it is that there is direct marketing and then there is indirect marketing, also known as active marketing or passive marketing. So direct or active marketing is when you are seeking out specific potential clients and you are basically grabbing them by the lapels and saying, hey, you give me money to say stuff out loud.  02:48 - Anne (Host) Here I am. Hello, this is me.  02:50 - Tom (Guest) Hello, right Now that's a cold call, that is a cold email. There's also follow-up emails and getting your seven touches.  02:57 - Anne (Host) And that's direct, because it's direct contact with a potential client.  03:01 - Tom (Guest) Exactly. And then there is indirect marketing, which is where you're kind of like doing your thing over here in hopes that people or robots will notice you Right and come to you Right. So, for example, working on search engine optimization on your website, that's a form of indirect marketing or passive marketing, because if somebody's searching for you, hopefully your website or your content will rank higher on Google, bing, yahoo and they'll be like, hey, who's this person? And then they reach out to you Right.  03:30 - Anne (Host) Or they're seeing you on social media.  03:32 - Tom (Guest) Social media, exactly, is another perfect example of indirect marketing. So that's where you're kind of like demonstrating your value, your progress, your humanity as a voice actor and a person, in hopes that it will get voice seekers' attention and be engaged with your content and hopefully you'll stay top of mind for future projects.  03:50 - Anne (Host) An easy I would say an easy way of thinking about it is direct marketing. You go to them In direct marketing. They're coming to you.  03:58 - Tom (Guest) Exactly. Yeah, that's exactly right.  04:00 - Anne (Host) I think, equally terrifying for voice actors yes, yes, I think that it's great that we made the distinction now between the two.  04:09 - Speaker 2 (Announcement) And.  04:09 - Anne (Host) I think the one that really causes people probably the most terror is the direct marketing part of it, because they have to reach out to someone who is a complete stranger to them and that we are a complete stranger to them and they're a complete stranger to us. And so direct marketing, I think, requires, I think, a little more knowledge, so it makes it a little less scary.  04:29 - Tom (Guest) I think so too.  04:36 - Anne (Host) That's the way I see it, and what I try to explain to a lot of my students who talk about marketing and their fear of marketing is, of course, all the indirect methods, which they're probably much more apt to do, because they can create a blog, they can go on social media, they can create a video, they can do things like that, and that to them, I think, is more of a concrete path than oh my God, I got to go find someone. Who do I reach out to, what do I say and how does that work? And so I think the first distinction that I want to make with direct marketing is to make it less terrifying. Is that I want to make with direct marketing is to make it less terrifying is just an understanding that people have needs. How many times can I bring up the Chanel lipstick, right?  05:09 - Speaker 2 (Announcement) How many times it's a great example.  05:10 - Anne (Host) I just keep going back to it where here's the Chanel lipstick. It is part of my brand and I want to work with this company, chanel, and so ultimately, they don't know who I am. I mean, I kind of know who they are, but I don't know exactly who I should contact. And so when does Chanel have a need for voiceover? Right, when they have a campaign, right when they have a campaign and when maybe they have a voiceover and they want to replace that voice, and so it's very much based on need and when they need voiceover, a voiceover.  05:41 It's not that. Oh, I'm going to reach out and I never heard back and therefore that's a bad lead or it didn't work or I'm done. I failed. You cannot think that, guys, because it's all on a timely basis, so when I need a new lipstick, I'm not constantly searching for a new lipstick, but when I need one, then if an email comes my way or a social media ad comes my way talking about a new shade of red, I'll be like, oh, I need that, let me look into it.  06:10 And that's the same thing that, as a voice actor, you need to understand about direct marketing.  06:14 - Tom (Guest) Right, put it another way. And what are the client's pain points? How can you cure what ails them? How can you solve their problems? So I'm going to take your Chanel lipstick example and I'm going to continue it. So let's put it in voiceover terms Chanel wants to advertise that lipstick. So they want to make advertisements of some sort. It could be print, it could be digital, it could be TV, radio streaming or whatever. Right, chanel?  06:42 - Anne (Host) Look to me, Chanel. I talk about you all the time. I'm just saying In my podcast Please make Anne a compensated endorser for your lovely products.  06:51 - Tom (Guest) So Chanel usually would have to hire a marketing agency or an ad firm or something like that to come up with whatever. The concept would be. Okay, well, this is Chanel, it's this type of lipstick, we're targeting this type of audience, or they?  07:04 have it in-house or they have it in-house and they'll say, okay, well, our demographic is women of this particular age range.  07:19 Okay, so we need to make sure that the content and context of the advertisement is making sure that we're targeting that particular demographic.  07:22 It needs to appeal to them on a visual or an auditory level or some other combination of that. Maybe we need to get an influencer in here or a celebrity or something like that, but we still need a voice actor to do whatever the radio or streaming or TV is. So they come up with a concept, they write the script. Now they need to get a production company to turn this script into reality and then the production company now this is where they have choices. They can go to a casting director and a casting director and the casting director can then reach out to agents and managers to find the voice actors. They can post that casting notice on a casting site like a Voice 123 or a VO Planet or a Badalgo, or they can have their own roster of voice actors that every time a casting notice comes up, they go through their own list of voice actors. That every time a casting notice comes up, they go through their own list of voice actors and then send the casting notices out to the appropriate voice actors to collect auditions right.  08:12 - Anne (Host) Before you continue, I'm going to intercept and say all right, let's talk about how often do they need this right? That is something that is the big unknown right. How often are they needing a new campaign? And that is something that I think is the most ambiguous, maybe, to the voice actor, because we don't know we don't work for the company, we don't know how often they need these new ads. So what I don't want people to expect, and I think what a lot of people do expect, is like well, I reached out to them and they don't want me. Well, they don't have a need for you Yet. Yeah, and I don't think it's appropriate to think that any one company needs a voice actor 24-7.  08:48 - Tom (Guest) Unless you're Joseph Riano.  08:50 - Anne (Host) But that's a different genre, right. That's promo, that's a different genre, that's promo and that's actually a network right.  08:55 - Speaker 2 (Announcement) Right.  08:55 - Anne (Host) That, yeah, you're required to do these ads because things change all the time. Chanel lipstick how often are they coming up with new colors? How often are they coming up with new colors? There's seasons, right? How often are they coming up with new lipsticks? Right? That is not necessarily a daily. Companies don't come out with new products every single day, so therefore they may not have a need. So please keep that in mind, guys, because I think a lot of people get discouraged when they don't hear back. Marketing is the long haul. It's a marathon, not a sprint.  09:21 - Tom (Guest) Yeah, getting auditions from your agents and managers and getting auditions from online casting sites. Those are short term. There's an audition right now. You audition for it right now Because they've had a need Right. Using direct and indirect marketing strategies is a long-term investment in developing relationships with clients Big distinction. A lot of people argue oh, agents are better than this and this is better than that, and none of that is true.  09:46 All of it's extremely subjective, based on the genres of voiceover that you want to do and the marketing methods and comfort level that you have with technology and interpersonal stuff. Like some people will be like I'll make cold calls all day. I love doing it. And some people are like I'm terrified of talking to people. I will only post stuff on social media and I will only talk about in a very narrow way and all of that is fine. But to Anne's point. Well, first off, we're thinking about them a lot more than they're thinking about us.  10:13 - Anne (Host) Oh my God, yes, amen, amen. That is so very true, because we want to be hired by them.  10:19 - Tom (Guest) Right, of course, and to Anne's point, they don't need any voiceover for a product or service or brand at this moment in time, and when they do, it may not necessarily be you and a lot of the times they don't have any control over the product or service or brand and what the demands there are from the end client or the ad agency or the marketing firm or the campaign that dictates the quality and quantity of the demographics of the voice actors that they're needed for that particular campaign. Right, and with a campaign that dictates the quality and quantity of the demographics of the voice actors that they're needed for that particular campaign.  10:48 - Anne (Host) Right, and with a campaign, typically they want to have, like in any kind of a brand, consistency right. Typically, if there's a product and you're the voice of that product or that brand, it typically is something that will be recurring for a certain amount of time. It's not like today's ad is going to feature my voice and tomorrow it's going to feature somebody else's voice. They want to work in a little bit of consistency for that brand and that includes the voice. So understand that they're not having a need for a new voice actor every single time they're airing the ad or putting it out there on social media. That may be.  11:19 You are a voice for a campaign which runs for a certain length of time, which is why we base our rates especially when it's broadcast right on where it's being played and for how long Because we are a voice for that particular time, for that particular campaign. Now, if they want to extend that right, they will pay to extend that or they'll find a new voice if they're looking for that.  11:42 - Tom (Guest) Right, we love the rebuys where you narrate something and it's good for a certain period. I got that phone call two weeks ago. I did a social media ad and for a six month term, and they literally called me on the phone. They're like, hey, they want to do it again, bill us, yeah, and I just build them. And they're like, oh, and we have two more spots. That's the wonderful part.  11:59 - Anne (Host) But the thing is is like for that particular brand, right Voice actors. If you're going to reach out to that same company and say, hey, I'm a voice actor, hire me. Well, they've got Tom right For reasons within the campaign. If his voice is working and that's what they want, they're going to continue to have Tom. So don't take it personally, don't beat Tom up.  12:19 - Tom (Guest) Tom is like sorry not sorry, Sorry, not sorry Sorry not sorry, sorry, not sorry.  12:22 - Anne (Host) I think we just have sometimes a very narrow view of what it's like on the other side of the glass and to have that need and that desire to create a campaign with a voice, and so you have to be understanding of the way it works.  12:34 - Tom (Guest) Yeah, another point on that is that late last year a voice actor posted on Facebook an infographic that I want to say it was. An explainer video producer posted an infographic. They tracked the amount of hours that it takes to produce an explainer video, which obviously includes concept writing, storyboard, budget, legal department, music and all of that stuff, and the amount, the percentage that involved the voice actor, was 1.5%. Yeah, 1.5%. So often we as voice actors are an afterthought.  13:06 - Anne (Host) Yeah, we're the last part of the journey there.  13:08 - Tom (Guest) Yeah, and sometimes I'll just ask around the office, or their niece, who's a musical theater major, and they just give it to them and that's it.  13:15 - Anne (Host) But yes, obviously casting notices are posted everywhere all the time and it's so funny because I mean, when I'm doing oh, it's funny because I'm dabbling a little bit in fashion and when I'm creating videos, I mean my main thing is that I'm talking about the brand or I'm showcasing the brand, but a lot of times the videos don't even require the voice. Unless I'm directly talking about the brand, I can put music behind it. And it's funny because in my process of creating the video right for, let say, the brands that I'm working for the last thing I put in is the voice. It's the last thing I do, unless I'm doing a direct-to-camera like hey guys, this is an amazing product. Then it all happens together, right, and then the video editing happens and my voice is already there talking about it.  13:57 But a lot of times I'm not necessarily, or I'm doing a voiceover after the fact, and so, yeah, we become like the last part of the project, and so that's something to also be aware of. It's not that we're not important, we're very important, but you have to understand where in the chain of events that it happens. That's why people, when they cast, they want to cast typically like quickly, right, they want to find that voice and just put it into the video that's already been done, and then music and sound effects, because, again, like Tom you mentioned, we're typically the last part.  14:31 - Tom (Guest) Yeah, and from what I've noticed in my casting notices over the past decade or so is that the turnaround time for casting is usually about 48 hours, and then from the recording of it is probably another 48 hours. Sometimes it's even quicker than that. So usually that means if this project took six weeks or two months or whatever that means at most not. I'm not saying a week is spent on the voiceover, it's just that everything that needs to happen regarding the voiceover is probably a handful of hours within one week, and then that's it.  15:04 So the point is, bosses, is that if you are engaging in direct marketing strategies, like cold calls or emails, and you're doing your follow-up emails and reaching out on social media, like directly in sending the messages and stuff like that you have to manage your expectations. I was reading a study that since 2014, the return on cold calls and emails has dropped by 10% every year for the past 10 years. And guess what? 10% times 10 years equals 100%. So it doesn't mean they're not effective at all anymore. But now the expectation of them actually getting your email or answering your phone call and responding positively is between 1% and 3%. It is a very, very small percentage, which means also this is a numbers game.  15:49 - Anne (Host) Yeah, absolutely Absolutely, but it's not impossible.  15:52 - Tom (Guest) No, it's not impossible. You want to be smart about it.  15:55 - Anne (Host) Yeah, what I'm always telling people because I have a Boss Blast product and I know you also do a lot of educational courses on direct marketing. It's something that you need to understand. It's definitely a marathon, not a sprint, kind of a game, and the good thing about it is that once you do connect and once you're in front of the eyes of someone who has the power to hire you and award you the gig, typically you want to stay top of mind, and that's when you're talking about marketing. Staying top of mind is always a good thing. You're talking about marketing. Staying top of mind is always a good thing. That's when they'll call you and say, hey, we want to extend this for another 13 weeks or we want to extend this again. So once you hook them, hopefully you keep them, and that's where the challenge is.  16:36 You know auditions. You know there's a need already. You audition and they cast because they're at that stage in the project where that's what they need. Right, they need that voice. But when you're direct marketing and you're reaching out, they may not have that need right away. They might think about you and say, oh okay, I like that voice. I don't have a need for her right now, but maybe let me put her to the side and let's when another campaign comes up that I think she's good for and I get that all the time when I'm on a few different rosters They'll contact me directly and say, hey look, I think you'd be a perfect voice for this campaign. Can you send me an audition? And typically, boom, that's good because it's a cold lead that turned into a warm lead and that is nice because I didn't have to really do much effort because I'm on his radar.  17:18 So when you're direct marketing, tom, the other important thing to understand is not only how it works right and understand and the expectations. It is how do you know who to contact right? And how do you contact them without being spammed? Because, guess what? We all get spam every single day. I get phone calls still that I don't pick up the phone. I get emails that are scammers, that are just junk email I don't even bother to look at. I see the subject line and I'm like nope, so I'm not going to be spamming. In today's world where it is getting increasingly hard. How do you do it right? That's the question, that's the golden question, right? How do you do it? How do you get their attention?  17:55 - Tom (Guest) Well, I've learned a couple of just some just brief bullet pointy bits of advice is be concise, be brief, be professional, but be you as much as you can If you have a very formal subject line or a very prim and proper paragraph. Hi, my name is this, I do this, I do that, I can do this, and every sentence starts with the word I Delete Immediate turn off.  18:21 - Anne (Host) It's about how you can help the company.  18:23 - Tom (Guest) Yes, it's how you can bring value to their company. It's not about you Solve their pain point. Exactly, solve the pain point. What can you do for them? But don't make it I, I, I Make it about. You need this, you need this. Your problem is this your problem can be solved with my services as a voice actor, but at the same time, be you as much as you can be you, be as personable as you can. Funny goes a long way and showing that you know about them.  18:54 - Anne (Host) Yes, because it becomes like these are two strangers meeting in the night, right? So what makes that meeting more agreeable? Well, if I have done my homework, it's kind of like God the olden days, tom, when I used to go on interviews for like corporate jobs. Right, you wouldn't go into a corporate interview for a job and not know anything about the company that you're applying to.  19:15 Right, I mean that was the biggest no-no was no. You've got to understand what does the company make, what are the products that it makes and what is it that is attracting you to this company? So if you can offer some insight into their company and why it is that you feel it would be a beneficial partnership, then definitely reaching out with how you can solve their pain point and showing that you're interested in them and not just like I, I, I and I'm a great voice actor and listen to my talent. It's not about you at all. It's about how you can help them right to sell their product or to sell their brand.  19:48 - Tom (Guest) Yeah, your job is a problem solver. Yeah, don't treat them like a cash register and your email is a crowbar.  19:54 - Anne (Host) Oh, I like that, that visual.  19:57 - Tom (Guest) You know he's kind of like give me the money to say the things have you said that before?  20:00 - Anne (Host) Did you just grab that from there? That was great.  20:02 - Tom (Guest) I've said it in various permutations of that over the years. But yeah, yeah, I've also said we try to treat voice seekers like ATMs. Yeah, because we only see them as these machines that can give us money. Yeah, absolutely. These are people that have their own needs and challenges.  20:17 They are human beings that have their own struggles creative, logistical, financial, cultural struggles. And if voiceover is 1.5% of their thought processes in any given project, 5% of their thought processes in any given project, you want that 1.5% to be maybe the easiest and most entertaining, 1.5% to make everything a little bit easier.  20:38 - Anne (Host) Don't give them homework. That's what I always say. Don't give them homework, Don't make them try to research you. Don't give them homework. Just be there to let them know that you can help them and that you have a genuine interest in their company, in their product, in wanting to serve them and to help them, to make their jobs easier. Really, I think that's the point, and anybody that's worked in the corporate world knows that they want their job to be easier. They're working for someone, typically, and they have a lot on their plate. They don't want to be bogged down by, oh my God, a big, lengthy email that is going on and on and on and self-serving.  21:14 I know that when I get emails and I like to talk a lot. I think that's the problem, Tom. As voice actors, we like to talk right, and sometimes that transcribes right into our emails. I used to write these emails that were like paragraphs, paragraphs. Nobody has time for that and I would love to write paragraphs of an email and I would spend so much time.  21:32 I remember when I broke down what I did in my corporate job. I spent the majority of my time writing customer service emails and they were long emails and the funny thing is, I would get offended if people three quarters of the way down, if I put an important fact and then somebody wrote me back and then asked me a question about that fact, I'd be like how could you not have read that email? I spent so much time on it Because people don't have the capacity right to read a big, long, horribly boring email and also you are encroaching upon their time. I get so many emails a day, Tom, we've talked about this before. I have like a million some odd unread emails in my Gmail on purpose, because I want to see the marketing. I want to see the marketing that people are doing, and you just have to understand that you're taking up a part of their day, and so I think you need to like, deserve that.  22:18 And you need to prove that you're worthy of that 1.5% of their time. And so that means, if they don't want to hear from you again, if you've presented yourself in a way where they don't have a need for you, or maybe you I don't know, maybe you're all self-serving and they're like I don't need this they need to have a way to not get those emails from you ever, ever again. So there are legal ramifications of you reaching out to somebody unsolicited, typically in any direct marketing. That is the next thing that I want to bring up.  22:46 Tom, in any direct marketing you have to have permission to send an email. And if you don't necessarily have direct permission, you have to offer them a way to opt out of the emails that you send to them. And that includes, when you send that cold email, something at the bottom that says if you would like to unsubscribe to these emails, give them a way to opt out of that. And you also must provide and this is just good business measure you have to provide legally an address of your company on your emails. So when you send those emails out, you have to give them a way to opt out of the emails and you have to give them your business address.  23:23 - Tom (Guest) Absolutely, because you don't want the internet to give you the ban. Hammer if you're sending out hundreds or thousands of these emails at the same time. Manhammer if you're sending out hundreds or thousands of these emails at the same time. So I've heard recently that the era of spray and pray is over, but it's not just for all the marketing value pain points provide value stuff, but it's also because of the internet, as we as a people has just had it with all of these spammy carbon copy templaty desperate has just had it with all of these spammy carbon copy templaty. Desperate, aggressive, obnoxious, self-aggrandizing emails that we're getting over and over again, because we can't tell what's real and what's fake anymore when the phone rings or when an email comes in or when we see a social media post. So people are cracking down and being like we have no tolerance for this. I would rather send less emails that have more value than more emails that have more value than more emails that have value, and hope for the occasional hit.  24:13 - Anne (Host) And again, if you are sending out mass emails and that's a whole nother thing with direct marketing, not many people have the provision to send out thousands of emails at one time because most, unless you're paying for that service, which I do for the boss blast I pay for that service. I am able to send out lots of emails at a time. It's done through a server which doesn't do it all at once. And also the people that I'm sending it to have already opted in to me, marketing to them, and still, at the very least, I have to put. Here's a way to opt out and here's my business address and they only allow from my domain, the, and they only allow from my domain, the VO Boss domain. So anybody that buys a Boss Blast, you are actually getting a list that has already opted in to be marketed to and they have all the legal rights to opt out if they want.  24:58 Most people don't, because they've opted in for a reason, but it's something that I would say most voice actors can't afford because you typically pay by the contact. So my server, which is ActiveCampaign, I pay by the contact, so contact. So my server, which is ActiveCampaign, I pay by the contact. So I have a few hundred thousand contacts that I pay for in order to be able to send emails out to that, and that's not something necessarily that every voice actor has the budget to do, which is why I offered the Boss Blast.  25:22 And this isn't all just about the Boss Blast, but it's anytime you're talking about doing direct mail, quality over quantity unless you have the provision to send out quantity, which is something that I pay thousands of dollars for, and I also make sure I got all the legal ramifications for people to opt out if they need to. But you need to do the same thing on a smaller scale, and direct marketing, I feel, is one of the methods of marketing that needs to be implemented so that in combination with indirect marketing. And you've got to do it. Gosh Tom, how much percentage of your time would you say? I would say 80%, if not a little bit more when things are lean.  25:58 - Tom (Guest) Yeah, when things are slow I immediately go to market, absolutely. But when things are busy, I have learned also to keep doing my marketing. So there, aren't as many slow periods.  26:09 So, yes, direct marketing can and should be part of a balanced breakfast. That is, every voice actor. If you can get quality representation audition through your agents and managers, if you understand how to feed the algorithms of online casting sites, use them to keep the flow of auditions coming in. Direct marketing with thoughtful, value-driven emails. Indirect marketing with thoughtful, value-driven emails. Indirect marketing with thoughtful value-driven blog posts, blog entries and social media posts. You should be doing, ideally, some combination of all of these as often as you can to maximize your opportunities to get the voiceover auditions that you desire.  26:47 - Anne (Host) And always be cultivating your next client, even if you're super busy. I think that's the most important thing that I've learned over the many years that I've been in the business here is always be cultivating your next client, because your clients, even if you've had them for years and years and years, they're never guaranteed. And the best in the business will say the same. So good conversation, Tom. I think we could talk about marketing in 500 more episodes.  27:10 But I think this is a great start guys to understand that it is a necessary evil and it's not scary. It's really not scary. You need to embrace the challenge that is marketing and, again, I like to look at everything as a challenge. That's what gives me joy in my business and also one of the reasons why I did create the VL Boss Blast was because I didn't have a ton of time to do the indirect marketing, although I do that a lot too. So everybody needs a balanced breakfast of both indirect and direct marketing. And, tom, thank you again for always being such a golden nugget of wisdom in my podcast.  27:42 - Tom (Guest) Thank you, I love it.  27:44 - Anne (Host) I'm going to give a great big shout out to our sponsor, ipdtl. Yes, you too can be a boss, a real boss and find out more at IPDTLcom. You guys have an amazing week and we'll see you next time. Bye.  27:59 - Speaker 2 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

In this episode of The Prosperity Podcast, we explore the dynamic shift to mobile banking and its potential to phase out traditional banks. Hear insights from the head of Thread Bank on the secure, FDIC-insured platforms revolutionizing finance. Learn how to navigate this digital frontier wisely, ensuring your financial safety and embracing future trends. Tune in for a blend of practical advice and foresight into the evolving world of banking. Prosperity Thinkers is proud to be an affiliate of the transformative Gravy Stack movement, helping individuals around the world unlock their potential and achieve financial freedom. By providing resources, tools, and mentorship, we contribute to creating a culture of abundance, possibility, and growth. Please note, that as an affiliate, we may receive compensation for our efforts. Our collaboration, however, goes beyond financial arrangements; we truly believe in the power of the Gravy Stack movement to change lives and foster prosperity. Best-selling author Kim Butler and Spencer Shaw show you how to take more control of your finances. Tune in to The Prosperity Podcast to learn more about Prosperity Thinkers' thinking and strategies today! Do you have a question you would like answered on the show? Please send it to us at hello@prosperitythinkers.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://prosperitythinkers.com/action/  https://www.youtube.com/@KimDHButler https://prosperityparents.com/    Show Notes Personal experience with early ATMs. Overcoming ATM hesitation. Embedded finance and Thread Bank. Future of physical banking branches. Libertarian perspective on cashless society. Children's perception of mobile payments. Research for embracing mobile banking. Life insurance as a financial buffer. Protecting assets via diversification.   Special Listener Gift Free eBook: Activating Your Prosperity Guide.   Kim Butler's groundbreaking eBook/ audiobook explains why typical financial advice may be sabotaging your wealth... and what to do instead!    Review and Subscribe If you like what you hear please leave a review by clicking here   Subscribe on your favorite podcast player to get the latest episodes. iTunes RSS  

Ever wake up Monday regretting how much you spent over the weekend? Today Clark re-examines the no spending trend through a needs-vs-wants traffic light lens as a smart way to think about spending.  Also today  - Travelers are being heavily targeted at ATMs & check outs. Clark shares an easy way to protect your wallet and identity when out & about - and why this is necessary now more than ever.  Mindful Spending: Segment 1 Ask Clark: Segment 2 ATM Pickpockets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should you buy it? If you answer 'yes' to these questions, probably not What Can I Safely Use for Peer-to-Peer Payments? Can I Use an Online Will Maker or Do I Need an Attorney? How To Create a Will Online  /  Wills & Funerals Archives How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion NYTimes: Help! A Pickpocket Used My A.T.M. Card, and Citi Won't Cover It. Unpack these cybersecurity tips for a stress-free vacation Why It's a Great Time To Get a Cheap Ticket to Europe How To Pack a Carry-On the Right Way Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Israel has imposed a strict blockade on Gaza since March leaving 2.2 million Palestinians in the strip with practically nothing. Food, medicine and water are extremely scarce with only trickles of aid entering every now and then. There's barely anything to buy in the market.  But in the middle of all this, there's another crisis: cash.  Banks have closed because of the war. ATMs have been destroyed. No new notes have been injected into the strip since 2023, with Israel suspending the Palestinian Monetary Authority from making any cash transfers to Gaza. The same old notes have been circulating in the strip, becoming so worn out that even vendors are rejecting them. Instead, informal cash merchants are selling people physical banknotes in exchange for digital transfers, but with commission fees of about 50 per cent. Meanwhile, the cost of even the most basic food staples, like flour and sugar, have skyrocketed to extortionate prices, further depleting the value of the currency.  In this episode of Beyond the Headlines, host Nada AlTaher looks at the extreme difficulties of accessing money in the enclave and the compounded suffering caused by cash shortages.

Hosted By: Joe Bert CFP® & Wynn Smith CFP® Joe Bert CFP®  and Wynn Smith CFP® take your calls and provide expert answers to your questions on NEWS 96.5 FM. Submit your questions to:  1-844-220-0965 Joe@FinancialGroup.com •  Wynn@FinancialGroup.com   The post Parents as ATMs: Protecting Your Retirement While Supporting Grown Kids appeared first on On The Money Podcast.

 Insights from Makers Brian Benham and Greg Porter" In this episode of the Maker's Quest Podcast, hosts Brian Benham from Benham Design Concepts and Greg Porter from Skyscraper Guitars delved into the often-overlooked reality of failure in the creative process—especially when turning ideas into marketable products. Both seasoned makers shared candid stories of their struggles, lessons learned, and how embracing failure is a non-negotiable step toward innovation and profitability. Hosted by Brian Benham from Benham Design Concepts https://www.benhamdesignconcepts.com/ Brian Benham on BlueSky: https://bsky.app/profile/benhamdesignconcepts.com YouTube: https://www.youtube.com/channel/UCXO8f1IIliMKKlu5PgSpodQ Greg Porter from SkyScraper Guitars https://skyscraperguitars.com/ Greg On Instagram: https://www.instagram.com/gregsgaragekc/ YouTube: https://www.youtube.com/c/SkyscraperGuitars  YouTube: https://www.youtube.com/c/GregsGarage   The CNC Learning Curve: Speed Isn't Always King Brian Benham, a furniture maker and CNC enthusiast, kicked off the discussion with his early trials on his new Avid CNC machine. His goal? To efficiently produce a yin-yang wine bottle holder. But his initial excitement was tempered by a harsh lesson: "I watched YouTube videos where people said, ‘Why are you running so slow? Crank it up!' So I did," Brian recalled. The result? Broken tabs, a mangled workpiece, and a smoking spindle. The high feed rate and aggressive depth of cut destroyed the part mid-operation. Greg Porter, a guitar maker and CNC veteran, nodded in agreement. "Dust is bad—you want chips," he explained, emphasizing that proper chip ejection prevents heat buildup and tool wear. Both makers stressed the importance of balancing speed with precision, especially when working with different materials like cherry (softer) versus walnut (denser). Workholding Woes and the "Maker's Dozen" Brian also shared a mishap where inadequate hold-downs led to a shifting workpiece, ruining a cut. His solution? Nesting parts efficiently and pre-drilling problematic areas to avoid tab failures. But the bigger takeaway was his "Maker's Dozen" philosophy: "Make 12 units at a time. Price for 10, because two might fail. By the next dozen, you've optimized the process," Brian said. This approach minimizes waste and allows incremental improvements without massive sunk costs. Greg added that for high-value materials (like exotic guitar woods), salvaging is worth the effort. But for sheet goods, sometimes tossing a botched piece saves more time than fixing it. 3D Printing: Prototyping's Best Friend The duo pivoted to 3D printing, where Greg showcased a gear assembly that took a dozen iterations just to fit a timing belt correctly. "Fail fast," he advised. "Get the mistakes out early." Brian echoed this, describing how he prints small test sections (like threaded parts) before committing to long prints. *"A 30-minute test beats a 3-hour disaster,"* he said. Both praised modern printers for reliability but acknowledged that vibration and material quirks still demand patience. Scaling Up: Robots and Revenue Looking ahead, Brian envisions his CNC as a cash-flow generator. Inspired by a photographer who sold everything from keychains to $5,000 prints, he plans to offer small, accessible products (like $25 cribbage boards) alongside high-end furniture. "The $25 items keep the lights on; the big commissions are the dream," he said. Greg, who runs multiple machines simultaneously, laughed: "When all three robots—CNC, laser, mill—are humming, I feel like a factory." But he cautioned that optimization is key. His "RTM" (Ready to Manufacture) files undergo dozens of tweaks to shave seconds off cycle times. The Bottom Line: Failure = Progress Both makers agreed: Failure isn't just inevitable—it's necessary. Whether it's dialing in feeds/speeds, salvaging scraps into new products (like Brian's failed cutting boards becoming trivets), or accepting that some ATMs (products) will stay unplugged, the path to success is paved with missteps.  

Today we had the pleasure of welcoming Jillene Connors Belopolsky, Chief of Staff and Chief External Affairs Officer at the Clean Cooking Alliance (CCA), to our Houston studio. Jillene joined the CCA in 2021 and has over a decade of experience in energy sustainability, strategy, and innovation. She previously served as Head of North America for Earth Security Group and in several senior roles at BP, where she developed strategies addressing the environmental and societal impacts of technology, climate change, and carbon management. Established in 2010, the CCA works to enable, influence, and accelerate local transitions to clean cooking solutions globally by supporting governments, unlocking and diversifying funding, strengthening enterprises, and fostering a harmonized, resilient ecosystem. We were thrilled to hear Jillene's insights on this important and often overlooked issue. In our conversation, Jillene shares an overview of the CCA's mission, scope, and focus on energy poverty, as well as her personal journey in becoming interested in working to alleviate energy poverty to enable people to live the best lives of their own choosing. We discuss the importance of energy access for prosperity, the scale of the challenge with 675 million people without electricity and 2.1 billion relying on polluting cooking fuels, and the health, environmental, and economic impacts of lacking clean cooking solutions, as well as why clean cooking is often overlooked despite its broad benefits. Jillene walks us through the CCA's range of solutions including induction stoves, improved biomass stoves, LPG with PAYGO models, ethanol solutions, and domestic biogas systems, alongside financing models and clean cooking performance standards. We explore ecosystem participants, from stove and fuel manufacturers to distributors and technology providers, as well as innovations such as smart metering, fuel ATMs, e-cooking tariffs, and monitored biogas systems. We touch on different LPG delivery methods, why Kenya is a leading example due to its prioritized clean cooking policies and regulatory environment, the $8.5 billion annual funding gap for deploying clean cooking solutions, the capital mix needed, government and international support, and opportunities to harmonize taxes and tariffs, build trade, and scale solutions across East and West Africa. Additionally, we discuss how businesses and individuals can support clean cooking solutions, the importance of a diverse mix of approaches, and clean cooking's immediate, cost-effective benefits for health, environment, and energy access. We cover the necessity of government leadership in creating an enabling environment for clean cooking access and economic development, why a combined government-private sector approach is needed in Africa, the urgent need for private sector involvement to accelerate progress, the strategic opportunity for energy companies to leverage their expertise and resources to support clean cooking initiatives, and much more. It was a thought-provoking discussion and we're very grateful to Jillene for sharing her expertise with us. For additional information on the CCA, their 2024 Annual Report is linked here. Mike Bradley kicked off the show by noting the 10-year bond yield (~4.3%) was unchanged as July CPI reported in-line with expectations. July PPI is due Wednesday, and if it also reports in-line, markets will be anticipating the first of three interest rates cuts for 2025 at the September FOMC Meeting. Initial Jobless Claims, Retail Sales, and Consumer Sentiment reports are all set to report later this week. The S&P 500 rallied ~1% on Tuesday mostly due to the in-line CPI print. Equity markets over the next few months will likely be more driven by economic/world events than equity fundamentals. The path of least resistance still looks up and to the right,

Want more MTM Vegas? Check out our Patreon for access to our exclusive weekly aftershow! patreon.com/mtmvegas Want to work with us? Reach out! inquiries at mtmvegas dot com Episode Description This week Strat's owners released their earnings including occupancy rates for June and it isn't looking good. What is going well at the property and why is it struggling to attract visitors. Are young people today overlooking the Strip resort for something nicer? What bright spots are there for the Strip icon? In other news the A's stadium has reached another milestone. Concrete! We also discuss: Bottled Blonde vs. Ole Red views, Stage Door/Battista's delays, Suns Out leaving Resorts World, the Labubu rave, Adventuredome's current state, ATMs at table games, how slots actually work and why Downtown's most classic casino is losing all of its table games. Episode Guide 0:00 Labubu rave hits Vegas 1:00 Primm unveils brand new marquee, new hope? 3:26 New restaurants and more - How Primm is trying to rebrand 4:26 Suns Out Buns Out is gone at Resorts World 5:51 Resorts World's new Smashburger concept 7:05 Golden Gate announces drastic casino changes 9:52 Adventuredome is looking very nice & other takeaways 12:40 Bottled Blonde vs. Ole Red fountain views 14:13 Delays affecting Battista & Stage Door's renovations 16:20 ATMs at table games? 18:19 How slot machines actually work 19:33 Strat is having a horrid summer 21:30 Top of the World restaurant / rotating restaurants 22:52 The A's pour concrete! Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. We do two news shows weekly on YouTube with this being the audio version. Never miss out on the latest happenings in and around Las Vegas! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Podcasts, Spotify or by searching "MtM Vegas" or "Miles to Memories" in your favorite podcast app. Don't forget to check out our travel/miles/points podcast as well!

The biggest evergreen issue in the ATM industry is of course security. Criminals are always ready with innovative methods to steal cash from ATMs faster than the industry can put up protective barriers.This is true of both the ATM hardware and software. In today's episode of the Bank Customer Experience podcast, Bradley Cooper spoke with Kit Patterson, a senior software architecture and security expert at KAL ATM Software to get an overhead view of current theft trends and ways to combat them.One new method that Patterson discussed was the relay attack. In this attack, one device is compromised is relays card data to another machine, which can be used to steal money from a victim."The basic story is they use two machines. They attack two machines in parallel. They wait until a victim puts a card into that victim ATM or ticket machine or anything where a card is being used. They take over that card and they relay information from that card to the cash out machine."He said that while this attack is difficult to pull off, it can also be challenging to detect and would require monitoring for certain types of unusual activity. For example, the software could detect that the card reader itself would take longer to transmit data in a relay attack than in a normal transaction, which should put up a red flag.Patterson also said that this relay attack is also taking place with mobile wallet fraud, where attackers are able to steal the victim's mobile wallet and relay that information to another actor who will get the cash from an ATM.He emphasized that criminals are willing to use as many methods as possible as "they don't follow the rules."To respond to these threats, Patterson pointed to the importance of holistic efforts and not just viewing security as "ticking boxes."Check out the full interview above and hear Patteron's thoughts on if AI is ready to transform ATM security.

SA banks closing ATMs - SA going cashless? Annelene Dippenaar , Chief Business Officer @ Shop2Shop spoke to Clarence about the slow but steady move to a cashless society as 4 of SA's big banks are closing down thousands of ATMs across the country. Views and News with Clarence Ford is the mid-morning show on CapeTalk. This 3-hour long programme shares and reflects a broad array of perspectives. It is inspirational, passionate and positive. Host Clarence Ford’s gentle curiosity and dapper demeanour leave listeners feeling motivated and empowered. Known for his love of jazz and golf, Clarrie covers a range of themes including relationships, heritage and philosophy. Popular segments include Barbs’ Wire at 9:30am (Mon-Thurs) and The Naked Scientist at 9:30 on Fridays. Thank you for listening to a podcast from Views & News with Clarence Ford Listen live on Primedia+ weekdays between 09:00 and 12:00 (SA Time) to Views and News with Clarence Ford broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/erjiQj2 or find all the catch-up podcasts here https://buff.ly/BdpaXRn Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Cisco reveals a phishing related data breach. SonicWall warns users to disable SSLVPN services after reports of ransomware gangs exploiting a likely zero-day.  Researchers uncover a stealthy Linux backdoor and new vulnerabilities in Nvidia's Triton Inference Server. A new malware campaign targets Microsoft 365 users with fake OneDrive emails. The U.S. Treasury warns of rising criminal activity involving cryptocurrency ATMs. Cloudflare accuses an AI startup of using stealthy methods to bypass restrictions on web scraping. A global infostealer campaign compromises over 4,000 victims across 62 countries. Marty Momdjian, General Manager of Ready1 by Semperis, tells us about Operation Blindspot, a tabletop exercise taking place this week at Black Hat. On this week's Threat Vector segment, host David Moulton speaks with ⁠Nigel Hedges⁠ from ⁠Sigma Healthcare⁠ about how CISOs can shift cybersecurity from a technical problem to a business priority. One hospital's data ends up in the snack aisle. 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 We are joined by Marty Momdjian, General Manager of Ready1 by Semperis, who is talking about Operation Blindspot, a tabletop exercise simulating a cyberattack against a rural water utility based in Nevada taking place this week at Black Hat USA 2025. Threat Vector Segment On this week's Threat Vector segment, host David Moulton speaks with ⁠Nigel Hedges⁠, Executive General Manager of Cyber & Risk at ⁠Chemist Warehouse⁠ and ⁠Sigma Healthcare⁠. Nigel shares how CISOs can shift cybersecurity from a technical problem to a business priority. You can listen to the full discussion on Threat Vector here and catch new episodes every Thursday on your favorite podcast app. Selected Reading Cisco discloses data breach impacting Cisco.com user accounts (Bleeping Computer) SonicWall urges admins to disable SSLVPN amid rising attacks (Bleeping Computer) Antivirus vendors fail to spot persistent, nasty, stealthy Linux backdoor (The Register) Nvidia Triton Vulnerabilities Pose Big Risk to AI Models (SecurityWeek) Discord CDN Link Abused to Deliver RAT Disguised as OneDrive File (Hackread) Crypto ATMs fueling criminal activity, Treasury warns (The Record) AI company Perplexity is sneaking to get around blocks on crawlers, Cloudflare alleges (CyberScoop) Python-powered malware grabs 200K passwords, credit cards (The Register) Thai hospital fined 1.2 million baht for data breach via snack bags (DataBreaches.Net) Audience Survey Complete our annual audience survey before August 31. Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the IoT For All Podcast, Alex Kotler, SVP of Sales and Partnerships at POND IoT, joins Ryan Chacon to discuss multi-network SIMs and why they're a game-changer for IoT. The conversation covers multi-network SIM use cases in ATMs, vending machines, retail, and EV charging, the challenges companies face when transitioning from single-network to multi-network SIMs, the importance of reliable connectivity in digital transformation, collaborating with hardware manufacturers, advice for businesses exploring IoT solutions, and the future of multi-network SIM.Alex Kotler is the SVP of Sales and Partnerships at POND IoT. Alex has extensive experience in the mobile industry, having worked in various roles across the major mobile network operators - AT&T, Verizon, and T-Mobile. Alex has played a pivotal role in increasing net revenue retention and customer satisfaction at POND IoT, while also opening new distribution channels.POND IoT is a dynamic provider of IoT solutions. They offer global multi-IMSI SIM cards with extensive network coverage, internet failover solutions, and IoT & M2M connectivity with flexible data plans. Their major focus is around providing MVNO as a service as well as retail solutions with connectivity-to-POS terminals, vending machines, and ATMs. They also offer custom device manufacturing for all kinds of IoT applications and have added support for Starlink together with Peplink.Discover more about IoT and SIM at https://www.iotforall.comFind IoT solutions: https://marketplace.iotforall.comMore about POND IoT: https://www.pondiot.comConnect with Alex: https://www.linkedin.com/in/alexkotler/(00:00) Ad(00:29) Intro(00:38) Alex Kotler and POND IoT(01:03) What is multi-network SIM?(04:02) Challenges of multi-network SIM(04:58) Multi-network SIM use cases(06:54) Vending machines(08:47) EV charging stations(14:13) Future of multi-network SIM(16:02) Advice for companies exploring IoT solutions(17:11) The role of partnerships(18:02) Learn more and follow upSubscribe on YouTube: https://bit.ly/2NlcEwmJoin Our Newsletter: https://newsletter.iotforall.comFollow Us on Social: https://linktr.ee/iot4all

John Maytham is joined by Jan Vermeulen, Editor at MyBroadband South Africa, who’s been closely tracking the evolution of banking infrastructure and digital payment trends in the country. He speaks to why Banks in SA are closing all ATM’s. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

This evening, we dive into market movements with Exness, we speak to Nedbank and the JSE about their latest financial results, explore how banks are reducing the number of ATMs with Denker Capital, we hear from Modern Corporate Solutions on a proposed minerals bill aimed at formalising artisanal and small-scale miners, and we discuss shared property models with Only Realty. SAfm Market Update - Podcasts and live stream

Tony Martinis the Special Guest! Check out Sizzletown on your podcast app. An old British TV show and banking hardware that hangs around on the street? Yes, they are definitely Somehow Related. Have you listened to Slippery Slope? It's Dave's 'true crime' podcast out now! Find it on your podcast app. Support the podcasts you enjoy - check out Lenny.fm More about the show - www.nearly.com.au/somehow-related-podcast-with-glenn-robbins-and-dave-oneil/ Somehow Related is produced by Nearly Media. Original theme music by Kit Warhurst. Artwork created by Stacy Gougoulis. Looking for another podcast? The Debrief with Dave O'Neil - Dave's other podcasts with comedians after gigs. The Junkees with Dave O'Neil & Kitty Flanagan - The sweet and salty roundabout! Junk food abounds!Support on Lenny.fm: https://www.lenny.fm/See omnystudio.com/listener for privacy information.

About half of people are worried they'll lose their job to AI. They're right to be concerned: AI can now complete real-world coding tasks on GitHub, generate photorealistic video, drive a taxi more safely than humans, and do accurate medical diagnosis. And over the next five years, it's set to continue to improve rapidly. Eventually, mass automation and falling wages are a real possibility.But what's less appreciated is that while AI drives down the value of skills it can do, it drives up the value of skills it can't. Wages (on average) will increase before they fall, as automation generates a huge amount of wealth, and the remaining tasks become the bottlenecks to further growth. ATMs actually increased employment of bank clerks — until online banking automated the job much more.Your best strategy is to learn the skills that AI will make more valuable, trying to ride the wave of automation. This article covers what those skills are, as well as tips on how to start learning them.Check out the full article for all the graphs, links, and footnotes: https://80000hours.org/agi/guide/skills-ai-makes-valuable/Chapters:Introduction (00:00:00)1: What people misunderstand about automation (00:04:17)1.1: What would ‘full automation' mean for wages? (00:08:56)2: Four types of skills most likely to increase in value (00:11:19)2.1: Skills AI won't easily be able to perform (00:12:42)2.2: Skills that are needed for AI deployment (00:21:41)2.3: Skills where we could use far more of what they produce (00:24:56)2.4: Skills that are difficult for others to learn (00:26:25)3.1: Skills using AI to solve real problems (00:28:05)3.2: Personal effectiveness (00:29:22)3.3: Leadership skills (00:31:59)3.4: Communications and taste (00:36:25)3.5: Getting things done in government (00:37:23)3.6: Complex physical skills (00:38:24)4: Skills with a more uncertain future (00:38:57)4.1: Routine knowledge work: writing, admin, analysis, advice (00:39:18)4.2: Coding, maths, data science, and applied STEM (00:43:22)4.3: Visual creation (00:45:31)4.4: More predictable manual jobs (00:46:05)5: Some closing thoughts on career strategy (00:46:46)5.1: Look for ways to leapfrog entry-level white collar jobs (00:46:54)5.2: Be cautious about starting long training periods, like PhDs and medicine (00:48:44)5.3: Make yourself more resilient to change (00:49:52)5.4: Ride the wave (00:50:16)Take action (00:50:37)Thank you for listening (00:50:58)Audio engineering: Dominic ArmstrongMusic: Ben Cordell

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The number of free-to-use ATMs in the UK has been steadily declining, with a 6% drop from 2022 to mid-2023. This reflects a shift in consumer habits, as cash usage has decreased significantly. For example, weekly ATM withdrawals fell by nearly a third, from £2.2 billion in 2019 to £1.5 billion in 2023. The shift began years ago but accelerated during the COVID-19 pandemic. In 2021, cash accounted for only 15% of all payments in the UK, driven by the rise of contactless and online transactions. While 74% of adults use cash occasionally or rarely, certain groups, including older adults and those without access to digital banking, still rely heavily on it​. When did we start paying less in cash? Does this mean cash payments are on their way out? Why are ATMs disappearing? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How can I use the 80/20 method to save money?⁠ ⁠How do sim swapping scams work?⁠ ⁠Is putting on less heating a way to save money and be healthier?⁠ A podcast written and realised by  Amber Minogue. First Broadcast: 15/1/2025 Learn more about your ad choices. Visit megaphone.fm/adchoices

  Where in the world am I? Peru planning   Hi there. I'm Dr. Mary Travelbest, returning from a recent trip to Asia. I'm in San Diego now, sharing my best travel ideas and working on another book for you to enjoy: 5 Steps to Solo Travel, Part C. I'm about to launch on a 90-day trip around the world. Listener Story Spotlight I want to tell you about a listener named Raquel from Peru. She has been a friend for 40 years and has encouraged me to travel to Lima since then. She created all the images and designs for my first published travel book in 1993. She's been a friend for swimming in the ocean, concerts, joint baby showers, the funeral for her eldest son, and many shared life experiences. She's an awesome traveler and has a lot of advice for me. Where am I headed? Peru   Lima Daytime: Stroll the clifftop Malecón in Miraflores for Pacific views, then relax on Playa Waikiki (the closest swimmable stretch). Evening – Barranco bohemian district (street art, safe pedestrian areas). Airport → MA iraflores taxi ≈ Ucosts S $20. The Etropolitano bus is cheaper but busy. Keep valuables close . Lima is generally safe but practices big‑city vigilance.  The next day, Cusco Early Sky Airline or LATAM flight (1 hr 15 min; from ~US $31 one‑way) to acclimate gradually. Light walking tour of Plaza de Armas, San Blas artisans, coca‑tea stops. Book a morning flight so you can nap on arrival.  Day 3 Ollantaytambo (Sacred Valley) Shared van tour Pisac market & terraces → Ollantaytambo ruins. Stay here to cut altitude (2 800 m vs Cusco 3 400 m) and be close to the train. Hostel examples: Mama Simona (~US $25 private). Day 4 Aguas Calientes PeruRail Expedition train 07:45 or 10:32 (~1 h 40 min). Check‑in, soak in town hot springs, early bed. Expedition seats run ~US $65–75 each way.  Peru Rail Day 5 – MACHU PICCHU DAY Cusco (late) or Aguas Calientes (optional 2nd night) Cusco Free day: San Pedro market breakfast, Qorikancha, café break, optional half‑day Moray & Maras salt ponds tour. Morning flight Cusco → Lima; same‑ticket connection onward to Brazil (buffer at least three hours in Lima). Don't-Miss Beach Breaks If you'd like another ocean fix before Brazil, dedicate half a day to a Punta Hermosa day trip (1 hr south‑bound bus/Colectivo, US $4‑5). Choose calm Playa Caballeros for swimming or Playa Norte for quieter coves; eateries serve fresh ceviche on‑the‑sand.  Machu Picchu in Detail – 1 June Step What to do Tips & costs. 1. Tickets (book now!) Buy on tuboleto. Culture.pe—choose Circuit 2B (Classic Lower Terrace) for the iconic postcard view with moderate stairs. It costs 172 PEN ≈ US $45. Sales for 2025 opened on 19 Dec 2024; the daily cap is 5,6000, so June slots sell out early.  Peru Rail El País 2. Train 06:10 Inca Rail or 07:45 PeruRail Expedition from Ollantaytambo to Aguas Calientes; arrive 08:30‑09:30. Sit on the left‑hand side for Urubamba River views.  Peru Rail 3. Bus up. Buy a Consettur round‑trip ticket (US $24) at the kiosk the night before; the first buses roll at 05:30, and it's a 25-minute ride.  Ticket Machu Picchu 4. Entry window Aim for the 09:00–10:00 slot (good light, less 6 am crowd, still before midday haze). Passport + ticket & small day‑pack only.   5. Guided visit (≈ 2 h) Hire certified guide at gate (~US $15 pp shared) to explore: Temple of the Sun, Sacred Plaza, Intihuatana, Three Windows.   6. Optional short hike Huchuy Picchu add‑on (easy 1 km, 30‑40 min, extra 48 PEN) – great summit photo without the steep drop of Huayna Picchu.  Ticket Machu Picchu 7. Lunch & return Picnic outside gate (no food inside), stamp passport, bus down, 16:20 train back to Cusco (arr. 20:30) or stay 1 more night at Aguas Calientes if you prefer a slower pace. Packing checklist: passport, printed tickets, layers (cool mornings/hot sun), rain shell, 1 L refillable bottle (no disposables), DEET, sunblock, walking poles with rubber tips, cash for snacks & toilets (2 soles). Altitude & health: Machu Picchu sits at 2 430 m—easier than Cusco, but you'll feel stairs. Hydrate, avoid alcohol the evening prior, and ask your doctor about acetazolamide if you've struggled with altitude before. Budget Snapshot (USD per person) Item Low Notes Lima hostel (2 nts) 2 × $20 – $40 Pariwana or Selina Miraflores (female‑only dorm vs private). LI‑CU round‑trip flights $70 – $120 Book early; Sky basic fare includes 8 kg carry‑on only. Cusco/Ollanta/Aguas stays (5 nts) 5 × $18 – $35 Mix of hostels & guest‑houses with private bath options. Trains (round‑trip) $130 – $150 Expedition or IncaRail Voyager class. Machu Picchu entry and bus: $45 ticket + $24 bus + $15 guide. Add $13 for Huchuy Picchu. Food & local transport $25/day × 7 ≈ $175 Menu del día lunches ~$4–6; airport shuttles, colectivos. Approx. Total $600–$750. It leaves room for souvenirs or a Paracas day trip. Safe & Comfortable Stays City Budget‑friendly, mature‑traveler‑approved Approx. price (private, en‑suite) Lima Ibis Budget Miraflores (hotel), Wasi Barranco (B&B) $40–60 Cusco Niños Hotel (supports local kids), Tierra Viva Cusco Saphi $38–55 Ollantaytambo El Albergue (historic hostel‑hotel blend) $65 (splurge), dorms $25 Aguas Calientes Supertramp Eco‑Hostel (quiet female dorm), Terrazas del Inca $22–50 Quick Tips for a Smooth Trip Book everything online in advance, including flights, trains, Machu Picchu tickets, and buses, to beat lines and lock in cheaper fares. Cash is still king in small villages—carry small sol notes; ATMs are plentiful in Lima & Cusco. Stay seaside savvy: Lima's Pacific is cold (wetsuits for surfers). Swim only on signed "safe" sections and watch rip currents. Lifeguards patrol Punta Hermosa in peak daylight hours.  Solo safety basics: use registered taxis (Taxi Beat or Cabify apps), avoid isolated beach areas at night, and keep photocopies of your passport in separate bags. Enjoy Peru's vibrant coast, Andean culture, and the wonder of Machu Picchu If you like today's Confidence Challenge, Chapter 3 of my book dives deeper https://www.5stepstosolotravel.com  My brother says, "Never run in an airport," and that's excellent advice. My sister says, when you get to a new place, tell yourself it's the "first" time you will visit, but not the last. If you are looking for more solo female resources, you can find several tips and ways to navigate the pitfalls with Rick Steves and Lonely Planet travel guides. The takeaway mantra is to see where the world takes you. You can travel solo and never be alone. Dr. Travelbest.

Change is coming to our cryptocurrency market. Last Friday, President Trump signed the GENIUS Act, the country’s first major cryptocurrency law. It will create a regulatory framework for stablecoins, a type of cryptocurrency that’s value is tied to assets like the U.S. dollar. Supporters say the bill will modernize our financial system, but others say the legislation won’t do enough to protect consumers. Here in Washington, crypto has a… mixed reputation. Last month Spokane’s city council voted to ban crypto ATMs from within city limits. And, in rural Washington, cryptomining operations have led to concerns about environmental impact and energy costs. But, crypto also has supporters in our tech hub state. And the digital funds have played a part in some of our elections – like last year, when a crypto PAC gave close to $1.5 million for ads supporting Democratic State Senator Emily Randall. So, what does this new regulation mean for Washington state? Guest: Brady Dale, a cryptocurrency reporter at Axios. Related stories: Why PNW officials are only now deciding crypto mining regulation - The Seattle Times 2 Democrats, 1 Republican face off in competitive WA 6th District race - The Seattle Times Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/soundsidenotes. Soundside is a production of KUOW in Seattle, a proud member of the NPR Network.See omnystudio.com/listener for privacy information.

If you haven't seen cryptocurrency-friendly ATMs yet, chances are you will soon. Tens of thousands of them are springing up—increasing the temptation for everyday Americans to dip a toe into a pool being advertised as opportunity, but it's not without its perils and pitfalls. Two state legislators outline their bill designed to put some guardrails for consumers on these crypto boxes in our state. Mornings with Pat Kreitlow is powered by UpNorthNews, and it airs on several stations across the Civic Media radio network, Monday through Friday from 6-9 am. Subscribe to the podcast to be sure not to miss out on a single episode! To learn more about the show and all of the programming across the Civic Media network, head over to civicmedia.us/shows to see the entire broadcast line up. Follow the show on Facebook, X, and YouTube. Guests: Kelda Roys, Ryan Spaude, Camden Hargrove

Hear from host Paul Spain and tech journalist Ben Moore as they delve into New Zealand's evolving tech landscape, including the government's ban on crypto ATMs to fight money laundering, the national strategy for AI adoption, and NZ police internet governance. On the global front they explore the latest Robotic surgery success, EU's AI transparency regulations, Nvidia's market USD $4 trillion milestone, Cloudflare's AI blocker and more.A big thank you to our show partners One NZ, Spark, HP, 2degrees and Gorilla Technology.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

From packing strategies to cultural etiquette, this comprehensive guide covers everything you need to know for a magical European adventure.1. Packing Light and SmartPack less than you think - You'll be navigating cobblestones, stairs, and trainsChoose neutral-colored clothing for easy mix-and-match optionsInvest in comfortable, versatile shoes for extensive walking on stone surfacesDon't forget multiple EU plug adapters (different from UK adapters)2. Embracing European PaceDining is slower - tables are yours for the evening, not rushed turnoverShops may close midday and reopen later, many close SundaysPublic transportation varies by country - allow extra time to figure out systems3. Money and Payment SystemsEuros accepted in most continental Europe (except UK uses pounds)Credit cards widely accepted - notify your bank before travelingUse bank-affiliated ATMs for better exchange rates and securityPublic restrooms cost €0.50-€1.00 (often accepting cards)Choose dynamic currency conversion at ATMs for better rates4. Staying ConnectedWiFi is common throughout EuropeDownload essential apps: Google Maps offline, translator, WhatsAppScreenshot important information in case you lose service5. Cultural EtiquetteLearn basic greetings in the local languageBe curious, not critical about different customsYou're a visitor - adapt to local customs, not the other way around6. Flight ExpectationsOvernight red-eye flights are standard (7-10 hours)Jet lag is real - expect to feel off for 1-2 daysHydrate well and bring travel comfort itemsExpert TipsPlan laundry service rather than overpackingDon't plan everything - ask locals for restaurant recommendationsBuild in extra days when arriving and returning homeConsider guided tours with companies like Adventures by Disney or CIE ToursKeep Travelling – Your African VacationInsightful interviews with Africa's tourism professionals - Great giveaways from 5* guestsListen on: Apple Podcasts SpotifySupport the showLove the podcast? Help us continue to create great travel content by supporting the show. You can do that here: https://www.buzzsprout.com/1197029/supporters/new Ready to plan your vacation? Most families are confused and overwhelmed when planning a vacation. We work with you to plan a trip perfect for your family. Saving you time, money, and stress! Visit our website www.allthingstravelpodcast.com and click on "Plan Your Next Vacation" Join the travel conversations and the fun in our Facebook Page and Instagram Page! Please share the show with your travel buddies!! Click this link and share the show! Never miss an episode and help us take you to the top with us by following and leaving a 5-Star review on your favorite podcasting app!

Almost every adult has a checking account. Many of us may have more than one. Checking accounts are more than just a place to save and spend money, many come with additional benefits like saving perks, cash back promos and even protective services for you and your family.  Links:  Learn more about Triangle's Better Checking account with ID Protect Already have Better Checking? Access your benefits through the Better Checking website.  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.   Choosing the right financial institution is a significant decision, and we're thrilled that you've selected Triangle Credit Union as your trusted financial partner. Your trust in our institution is something we hold dear, and we are committed to providing you with a banking experience that goes the extra mile. At Triangle, we have a checking account that is right for everyone, at every stage of their financial lifetime. Now is an excellent time to review your financial goals, accounts, and the benefits available to you. Here are a few reasons why you should consider either a Basic or Better Checking account at Triangle Credit Union for you and your family:  1. Worry-free Banking Benefits – Our checking accounts include the convenience of our network of surcharge-free ATMs, neighborhood locations, flexible branch hours, and peace of mind knowing that your deposits are covered up to $250,000 by the NCUA. 2. Team of Professionals, here for you – Our friendly, knowledgeable customer service representatives are eager to help you meet your goals. 3. More Savings and Benefits by Using Your Account Wisely – Let us show you how to use your account to its maximum advantage, such as getting cash back with Purchase Rewards and setting up direct deposit to get paid up to two days early. 4. Tons of Account Freebies – Mobile and online banking, remote deposit, and a free debit card are just a few of the things you receive as part of every Triangle Basic or Better Checking account.  5. Additional Features with Better Checking - with a Better Checking account, you are entitled to additional features, for a nominal fee of $4.99 a month, that on their own could easily cost you more than $50 per month. Identity Theft Monitoring Services – rest easy knowing that you have access to free monitoring services that can alert you if changes to your credit file are detected, or if your personal information is discovered on the dark web.  Identity Theft Expense Reimbursement Insurance – up to $25,000 in reimbursable expenses if you find that you are a victim of identity theft.  Professional Identity Theft Remediation Services – an experienced team of professional, certified identity theft recovery advocates will help you to reverse the damage if you suspect identity theft for any reason.  Mobile Phone Protection – know that you can stay connected when the worst happens, and your mobile phone is damaged, or stolen.     If you are already a Better Checking account holder, you're ahead of the game and set up with great savings.  Looking for ways that you can save even more? We're only a click, tap, or phone call away. Reach out today–we are here to provide you with personalized guidance and can help you find the financial products and services that meet your needs.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Originally uploaded December 17th, re-loaded May 17th. Chris Holman welcomes Ed Siaje, NEW president, Bank of America Detroit. Chris had several questions for Ed in this conversation: 1. How has your 26-year career in financial services, particularly your leadership in consumer banking and private banking, prepared you for this role? 2. What are your immediate priorities as the new president of Bank of America Detroit? 3. How do you ensure that Bank of America's services meet the unique needs of diverse communities in Metro Detroit? 4. What role does technology and innovation play in providing personalized and accessible services to new and existing clients? 5. Bank of America awarded $4 million in grants to Metro Detroit nonprofits in 2024. What does this level of investment say about the bank's commitment to the region? 6. How will these relationships and partnerships with local organizations support the bank's strategy for advancing economic mobility? 7. As a Southeast Michigan native, how does your personal connection to the area influence your vision for the future, including economic growth and community investment? » Visit MBN website: www.michiganbusinessnetwork.com/ » Subscribe to MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/ BofA Names Ed Siaje President of Detroit Private Bank market executive for Michigan and Minnesota, will also oversee the bank's efforts to grow market share Detroit, Mich. – Bank of America has named Ed Siaje president of Bank of America Detroit. As president and head of the market, he will connect clients, teammates and communities to the full power of the franchise and drive integration across the bank's eight lines of business. He succeeds Matt Elliott, who recently retired from the company. Siaje will also oversee the bank's efforts to grow market share and lead the effort to deploy the bank's resources to help advance economic mobility and build strong communities. Siaje will continue to serve as Private Bank market executive for Michigan and Minnesota. “Throughout his career with Bank of America, Ed has established deep relationships with teammates, clients and the community to deliver responsible growth,” said Brian Moynihan, Bank of America chairman and chief executive officer. “Ed is well positioned to build on Matt's legacy and continue to grow our presence, particularly in Michigan, as we deliver the full breadth of Bank of America's capabilities to help our local clients improve their financial lives.” ### Bank of America Bank of America is one of the world's leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 69 million consumer and small business clients with approximately 3,700 retail financial centers, approximately 15,000 ATMs (automated teller machines) and award-winning digital banking with approximately 58 million verified digital users. Bank of America is a global leader in wealth management, corporate and investment banking and trading across a broad range of asset classes, serving corporations, governments, institutions and individuals around the world. Bank of America offers industry-leading support to approximately 4 million small business households through a suite of innovative, easy-to-use online products and services. The company serves clients through operations across the United States, its territories and more than 35 countries. Bank of America Corporation stock is listed on the New York Stock Exchange (NYSE: BAC).

Adam O'Brien is the founder, CEO, president, and director of Bitcoin Well, a publicly traded, non-custodial Bitcoin platform based in Canada, launched in 2013 as Bitcoin Solutions. He started with Alberta's first Bitcoin ATM in 2014 and expanded to a coast-to-coast network of over 180 ATMs, emphasizing self-custody for users. O'Brien, based in Edmonton, Alberta, is a vocal advocate for Bitcoin's role in financial independence, education, and decentralization.To watch the Full Cornerstone Forum: https://open.substack.com/pub/shaunnewmanpodcastGet your voice heard: Text Shaun 587-217-8500Silver Gold Bull Links:Website: https://silvergoldbull.ca/Email: SNP@silvergoldbull.comText Grahame: (587) 441-9100Bow Valley Credit UnionWebsite: www.BowValleycu.comEmail: welcome@BowValleycu.com Use the code “SNP” on all ordersProphet River Links:Website: store.prophetriver.com/Email: SNP@prophetriver.com

Are foreigners seen as walking ATMs in Thailand? In this episode, we dive into a recent story from Bangkok that left me with a surprising bill—and raised questions about how Westerners are perceived in Thai social circles. We explore cultural expectations around money and group outings, and some potential situations foreigners often don't see coming. We also discuss the new privacy laws in the Philippines affecting YouTubers, and the possibility of similar laws coming to Thailand. Lastly, we cover the big changes in Thailand cannabis laws, how it might affect tourism and businesses, and the potential risk of starting a new venture in Thailand.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

In this episode, Pete Codella, managing director of business services at the Governor's Office of Economic Opportunity, talks with Chris Baird, CEO of OptConnect. Baird discusses his journey from sales and operations before becoming CEO of OptConnect. The company began by providing temporary cellular connectivity for ATMs at an outdoor festival and has since evolved into a full-service provider of managed wireless solutions for a wide range of unattended machines like kiosks and digital signage — meeting growing demand as major retailers began requiring vendors to bring their internet solutions. Baird explains that OptConnect's solutions involve purpose-built hardware, extensive software development by 50 engineers, and redundant cellular connectivity across major carriers. The company has grown to nearly 200 direct employees, with additional contractors, and has expanded globally with offices in Europe and Latin America, serving over 1.1 million devices. Baird discusses OptConnect's consistent growth and recognition on lists like Utah Business's Fast 50 and Inc. 5000, attributing it to a relentless focus on customer satisfaction, which stems from prioritizing employee well-being and fostering a strong company culture, including a dedicated annual day of service for all employees.

Planning an international trip and wondering how to get money abroad without paying extra fees or getting stuck with the worst exchange rates? You're not alone. In this Travel Talk episode, host Kim Anderson breaks down exactly how to handle your travel money like a pro, so you can spend more time exploring and less time stressing about ATMs, cash, and cards.From the smartest ways to get foreign currency to what you should (almost) never do at an airport kiosk, Kim shares everything you need to know to travel confidently with the right money strategy in place. Whether you're heading to Europe, Southeast Asia, or beyond, these tips will help you avoid hidden fees, protect your accounts, and keep your wallet happy.You'll learn:Whether you actually need to carry cash while traveling abroadThe safest and cheapest ways to get local currency on your tripPro tips to avoid ATM fees and currency conversion markupsKim's personal favorite debit card for international travel (and why it's a lifesaver)This episode is perfect for first-time international travelers or anyone who's ever asked: Do I need cash in Europe? or What's the best way to get money abroad?Tune in and start planning your trip with confidence.Want travel tips and a behind-the-scenes look at the podcast? SIGN UP for our weekly newsletter here! It's just the good stuff, I promise. No spam here. Support the showMore Travel with Less Money—Download Your FREE GUIDE & Start Exploring! Let's connect on Instagram! @DesignHerTravel Get $20 when you Sign-Up for Buzzsprout Please Note: I may earn a small commission when purchasing through these links. It doesn't cost you anything extra but does help support the show.

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comOh, my goodness me. I don't think I've ever seen volatility like it.We have a huge speculative bubble on our hands, and it's popping.What's more, this bubble is full of chancers, charlatans and chief executive officers.The Mail has got onto the story. That is not a good sign. If I told you ten days ago that the price of a share you just bought would rise from 6p to 40p in a week, you'd be pretty happy.Then again, if I told you on Monday that something you owned was going to drop by 60% the following day, you'd be pretty unhappy.That's what happened with the UK-listed bitcoin treasury companies.Nobody said it would be easy.Today we are going to try and make some sense of what is going on. We have a comprehensive list of all the UK companies jumping on this nutty bandwagon. And, most importantly, we consider what to do next.Let's start with a timely reminder: owning a speculative bitcoin treasury company is not the same as owning bitcoin. One is a crazy speculation, the other is the future money system of the world. Bitcoin treasury stocks ≠ bitcoinI hope that is clear.Now a rant.The Great British FCA Crypto FarceI'm looking at the price of Coinsilium (AQUIS:COIN) this morning. It is ranging from 60p to 30p, i.e. doubling and halving. This situation means the beloved UK market makers might be creaming off enough money to keep them in caviar and truffles for the foreseeable future, but the ordinary retail investor is getting hammered.In the course of 7 trading days, Coinsilium has gone from 6p to 90p to 30p.The bitcoin price, meanwhile, is pretty much unchanged.This situation is almost entirely a creation of the FCA, with its decision to “protect” UK investors from the dangers of cryptocurrencies. That protection began in 2020 when bitcoin was $5,000. Today it's $105,000. That's a $100,000 per coin increase—a 21x or 2,000% gain—UK investors were protected from.Remember UK Chancellor Rishi Sunak spinning his “Britcoin” BS?“It's my ambition to make the UK a global hub for cryptoasset technology, and the measures we've outlined today will help to ensure firms can invest, innovate and scale up in this country.We want to see the businesses of tomorrow – and the jobs they create – here in the UK, and by regulating effectively we can give them the confidence they need to think and invest long-term.This is part of our plan to ensure the UK financial services industry is always at the forefront of technology and innovation.”Nobody told the FCA! How was any of that even remotely possible when the FCA had banned the sale of crypto derivatives to UK consumers, and effectively regulated cryptoasset technology out of existence in the UK?Did the two departments even speak before he trotted out that rollocks?Of course they didn't. They are different departments.It's as though the UK government is inherently incompetent.Remember UK Chancellor George Osborne publicising himself buying bitcoin at an ATM? The FCA made ATMs illegal.Remind me. Who voted for the FCA? Or indeed Ofcom? Or Ofsted?Why do these bodies have such extraordinary power?It's enough to make you a libertarian.In any case, we now have this situation of extraordinary pent-up demand, built up over many years, with hundreds of billions of pounds in ISAs and pensions wanting exposure. The result is this insane volatility in UK bitcoin treasury companies.Smarter Web Company (AQUS:SWC) went from 2.5p to above 600p, giving it a market cap over a billion. It has just £45 million in assets. Great work, FCA.Today it's sitting just below 300p.Japan has similarly prohibitive anti-bitcoin regulations, and has thereby created the market leader in this second wave of bitcoin treasury companies, Metaplanet (3350:TYO). (Strategy (NASDAQ:MSTR) was the leader in phase one.)The Japanese company announced this week that it has raised another $500 million, with which it is going to pay down its 0% debt and buy more bitcoins. Why is it paying down its debt? Presumably to clean up its balance sheet so it can raise further capital on better terms to buy more bitcoin (it has targeted 1% of total supply, which would be 210,000 bitcoin). The Japanese market is starved of bitcoin access. Metaplanet is exploiting this situation.Despite a flat bitcoin price, there was a worldwide sell-off of treasury companies starting on Monday. The sell-off coincided, as these things always seem to, with coverage in the mainstream press. In this case, the Mail marked the top with a piece on the Smarter Web Company.Pretty much all the treasury sh1tcos are now down 50–70%. Is that it? Game over? Or was that just phase one?I've seen this play out many times over the years. I've seen it with uranium sh1tcos in 2006, gold junkcos, silver rubbishcos, graphite flybynights, helium hotaircos and moreIt doesn't take a genius to work out where all this is going, and a lot of people are going to make a lot of money. A lot more are going to lose a lot of money. These things are not necessarily going to zero - they will have bitcoin on their balance sheet. But when bitcoin has one of its biennial corrections, they are going to get crucified.But we are also going to see a new corporate model emerge as a result.It's dotcom, basically. But which companies will be the Amazons and Microsofts? And which are Pets.com and ClickMango?Every day we are hearing news of another company “pivoting” - who invented that awful word? - into a bitcoin treasury company. It is all happening very quickly.Here's a list of the UK companies getting in on the game. Then we will look at what to do next .Meet the Players. Should I say, '‘Monkeys”?In addition to Smarter Web Company (AQUIS:SWC) and Coinsilium (AQUIS:COIN) we have:

Bridget and Ryan hit rewind and break out an old-school cassette tape to answer your money questions. You wanted to know: how ATMs work, why the penny's called the penny and how airlines set ticket prices? So we're on the case to bring you the answers with an analog twist! If your family is interested in learning more about the questions we answered in this episode, check out our website. We've got discussion questions and tips!This episode is sponsored by Greenlight. Sign up for Greenlight today at greenlight.com/million.

Bridget and Ryan hit rewind and break out an old-school cassette tape to answer your money questions. You wanted to know: how ATMs work, why the penny's called the penny and how airlines set ticket prices? So we're on the case to bring you the answers with an analog twist! If your family is interested in learning more about the questions we answered in this episode, check out our website. We've got discussion questions and tips!This episode is sponsored by Greenlight. Sign up for Greenlight today at greenlight.com/million.

For today's show, we cover why Bitcoin ATMs are one of the best, most lucrative businesses in Bitcoin.FILL OUT THE MINING POD SURVEY BY CLICKING HEREWelcome back to The Mining Pod! Today, Brandon Bailey of Second Gate Advisory joins Will to talk about Bitcoin ATMs, an overlooked Bitcoin business model with massive potential. In Q1 2025, Bitcoin Depot generated $164.2M in revenue, a 19% increase year-over-year, while outperforming miners in cash flow per unit. We explore why physical ATMs matter in a digital world, expansion opportunities, and how this could be the next big Bitcoin treasury play.Subscribe to our newsletter! **Notes:**• Bitcoin Depot: $333.1M revenue, +92% YoY• 30,000 Bitcoin ATMs vs 500K traditional ATMs • ATMs generate $30-40/day vs miners $10-11/day• 4% of Americans (5.6M people) are unbanked• Average transaction size around $300• 1,300 reserve machines ready for deploymentTimestamps:00:00:00:00 Start00:01:33:16 Report overview00:02:48:20 Bitcoin Depot financials00:05:30:06 Other BTC treasury companies00:08:52:26 Colorado Air Filter00:10:57:14 Increasing revenue multiple00:13:30:08 ATM business history00:15:03:16 Stablecoins00:16:37:26 Fractal Bitcoin00:17:12:25 Physical cash economy00:19:33:22 Why haven't traditional ATMs added BTC?00:21:10:20 Per machine cashflows00:25:27:09 Expansion opportunity00:31:00:10 Coinflip00:33:06:11 Wrap up

FILL OUT THE MINING POD SURVEY BY CLICKING HERE Welcome back to The Mining Pod! Today, Brandon Bailey of Second Gate Advisory joins Will to talk about Bitcoin ATMs, an overlooked Bitcoin business model with massive potential. In Q1 2025, Bitcoin Depot generated $164.2M in revenue, a 19% increase year-over-year, while outperforming miners in cash flow per unit. We explore why physical ATMs matter in a digital world, expansion opportunities, and how this could be the next big Bitcoin treasury play. Subscribe to our newsletter!  **Notes:** • Bitcoin Depot: $333.1M revenue, +92% YoY • 30,000 Bitcoin ATMs vs 500K traditional ATMs   • ATMs generate $30-40/day vs miners $10-11/day • 4% of Americans (5.6M people) are unbanked • Average transaction size around $300 • 1,300 reserve machines ready for deployment Timestamps: 00:00:00:00 Start 00:01:33:16 Report overview 00:02:48:20 Bitcoin Depot financials 00:05:30:06 Other BTC treasury companies 00:08:52:26 Colorado Air Filter 00:10:57:14 Increasing revenue multiple 00:13:30:08 ATM business history 00:15:03:16 Stablecoins 00:16:37:26 Fractal Bitcoin 00:17:12:25 Physical cash economy 00:19:33:22 Why haven't traditional ATMs added BTC? 00:21:10:20 Per machine cashflows 00:25:27:09 Expansion opportunity 00:31:00:10 Coinflip 00:33:06:11 Wrap up

In episode 103 of The Side Hustle Experiment Podcast  John (https://www.instagram.com/sidehustleexperiment/) and Drew  (https://www.instagram.com/teejay.finds/) talk with Teejay.TeeJay, a former Amazon FBA seller who walked away from a six-figure reselling business to go all-in on the Amazon Influencer Program and ATMs — and he's now making more money with zero risk.We dive deep into: ✅ Why he quit Amazon FBA after years of success ✅ The real difference between Amazon FBA and the Amazon Influencer Program ✅ How to get free products and flip them on Facebook Marketplace ✅ How much you can actually make per video as an Amazon Influencer ✅ Why ATM machines became his next passive income playIf you're tired of IP complaints, suspended listings, and massive upfront capital — and want a business with low risk and big upside — this episode is for you.

The guys discuss why you can never have too many airbags when there's a goat in the car, how $200 will not only get Nana a box but also a cosmetic touch-up, and when having a loving husband willing to crap in your driveway can save you $17,500 for a night out. 

In this episode of Welcome to Cloudlandia, Dan and I talk about how much AI is reshaping everyday life. I share how new tools like Google's Flow V3 are making it easier than ever to create video content, while Dan explores how AI could tackle complexity—like managing city traffic or enhancing productivity—when it's applied intentionally. We also look at how people are adapting to the massive increase in content creation. I ran some numbers: Americans spend around 450 minutes per day on screens, but YouTube alone sees 500 hours of content uploaded every minute. So while AI makes it easier to create, attention remains limited—and we're all competing for it. Another theme is “agency.” We discuss how autonomous vehicles, digital payments, and convenience tools reduce friction, but can also make people feel like they're giving up control. Dan points out that even if the technology works, not everyone wants to let go of driving, or of how they interact with money. Lastly, we reflect on what it really means for tools to be “democratized.” I talk about Hailey Bieber's billion-dollar skincare brand and the importance of vision, capability, and reach. The tools might be available to everyone, but outcomes still depend on how you use them. We end with thoughts on tangibility and meaning in a world that's becoming more digital by the day. SHOW HIGHLIGHTS In this episode, we delve into Canada's evolving identity, sparked by significant events such as the King's visit and U.S. tariffs, which have prompted provinces to reevaluate internal trade barriers. Dan explores the challenges and comparisons between Canada and the U.S., particularly in areas like cannabis legalization and its broader implications on issues such as prison reform. We discuss the health concerns surrounding the rise of vaping, particularly its impact on youth, and how it is becoming a focal point in societal discussions. We navigate the transformative role of energy innovation and artificial intelligence, examining their impact on industries and economic power, particularly in the context of U.S. energy consumption. Dean shares personal experiences to illustrate AI's capabilities in reshaping information consumption, emphasizing technology as a powerful change agent. The intersection of technology and consumer behavior is dissected, with a focus on convenience trends, including the selective demand for electric vehicles and limousine services in luxurious locales. We conclude with a humorous anecdote about students using tape-recorded lectures, reflecting on the broader implications of convenience and technology in education. Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dean: Mr Sullivan. Dan: How are things in Florida Hot? Dean: Hot, it's hot. Dan: It's hot. Dean: They're heated up. Dan: It's normal. Dean: Yeah, no, this is like it's unusual. It went from perfect to summer, All just overnight. I'm looking forward to coming to. I'm looking forward to coming to Toronto, to coming to. I'm looking forward to coming to Toronto Two weeks right, Two weeks here. Dan: Friday. I'm actually uh, You're going to spend a week. Dean: Yeah, I'm in. Dan: Chicago. I'm in Chicago next week. Dean: Yeah, I'm in. So I'm. Yeah, I'm coming for three weeks. Dan: You're holding court. You're holding court. Dean: I'm holding court every which way I arrive on Friday, the 6th, and I leave on the 29th, so there. So you are going to be in Chicago next Saturday. Dan: Next Saturday you're in Chicago, yeah, until the Friday and then back home and we'll have our. Whether it's table 9 or not, it's going to be table 9. Let's just call it table 1, because it'll be at restaurant one. Dean: That's exactly right. Dan: It'll probably be nice to maybe even sit outside, which is a very good restaurant. Yes, on the patio. Yeah, yeah, that's great. Well, canada is going through profound changes. Dean: That's what I hear, so prepare me. I'm already prepared that I will be ordering Canadians with breakfast instead of Americanos. Dan: They've already conditioned me for that. I've been here 54 years in Toronto 54 years and over 54 years I've never gotten a good answer about what a Canadian is. Dean: Okay. Dan: Okay, except that we're not Americans. We're not Americans. And to prove it, and to prove it, they brought the King of England over to tell them Okay, ah that's funny. Dean: I didn't see anything about that. Is that just that yeah? Dan: we came over. They have a thing called the throne speech. When parliament resumes after an election, it's called the throne speech. Dean: Okay, just a reminder. Dan: Yeah, and so just to tell you that we're an independent, completely independent country, we got the King of England to come over and talk to his subjects. Dean: And. Dan: I guess that's what caused the division in the first place, wasn't it? Dean: was the King of. Dan: England. So nothing's changed in 236 years. It's all been. You know the royalty. They brought the royalty over to put some muscle into the Canadian identity, anyway. But there is a profound change and I don't know if you knew this, but there's tremendous trade barriers between the provinces in Canada. Dean: Yeah, it's funny how Canada has really always sort of been more divisive kind of thing, with the West and the Maritimes and Quebec and Ontario. Dan: But they have trade barriers. Like they're separate countries, they have trade barriers and Trump's pressure putting tariff on has caused all the provinces to start talking to each other. Maybe we ought to get rid of all the trade barriers between the provinces it's just that pressure from the south that is causing them to do that, and they would never do this voluntarily. Yeah, but it's putting such pressure on the canadian economy, in the economy of the individual provinces, that they're now having to sit down and actually maybe we shouldn't have barriers between you know and the. US has never had this. You know the US straight from the beginning was a trade free country. You know the states don't have trade barriers. Dean: Right right. Dan: I mean they have laws that have not been entirely in sync with each other, for example, alcohol, you know, Some of the states were dry, and so it wasn't that we won't allow you to compete with our alcohol. We don't have any alcohol and we won't allow you to bring your alcohol in Fireworks. You couldn't have fireworks. Some states you could have Citizens could buy fireworks. I remember Ohio. You could never buy fireworks but you had to go to Michigan to buy them. Dean: Is cannabis now nationally legal in Canada? Dan: What's that fireworks? Dean: No cannabis. Dan: Fireworks, no, just the opposite. Cannabis, yeah, exactly. Yeah, yeah, it's national, and that's another thing. The US, generally, when there's a contentious subject, they don't. Well, they did do it. They did it with Roe versus Wade, and then, of course, roe versus Wade got reversed. The way that American tradition is one state does it, then another state does it, and that gets to a point where it's like 50% of the states are doing, and then it elevates itself to a national level where the Congress and the Supreme Court they start, you know. Dean: Florida. Florida just rejected it again. Every time it's on the ballot it gets rejected in Florida. Dan: What's that? Dean: Cannabis. Oh yeah, it's a state issue. Yeah. Dan: Yeah, and I don't think it's ever going to be national, because there's enough bad news about cannabis that probably they won't go for it. I mean the impact. Dean: Well, think about all the people that they would have to release from prison that are in prison right now for cannabis violations. You know it's interesting. That's one of the things that has been the discussion here. Dan: You know is you can't legalize it, and then all of a sudden yeah. They'd have to get a whole new workforce for the license plates Right. Dean: Well, the robot. Dan: Yeah, robots. Dean: Well, the robots, the robots. Dan: The robots can smoke the cannabis, yeah, yeah, but it's. I don't see it ever being national in the US, because there's as much argument there is for it, there's as much argument that there is against it. And you know, especially with young people, especially with you know it's a gateway drug. They know that if someone in their teens starts smoking cannabis, they'll go on to higher-grade drugs. Dean: That's interesting. Dan: That's pretty well established Actually smoking is the first. Tobacco, first then cannabis. The big issue down here now is vaping. Dean: Vaping. Dan: I've never quite understood. What is it exactly? I see that we have some stories here yeah, what is vaping? Dean: what is vaping? It's just like a chemical you know way of getting nicotine, you know and it's pure chemicals that people are sucking into their lungs. It's crazy no smoke no smoke. It's because in most cases you know you can vape in places that would be otherwise smoke free. This is just vapor, you know, so it's not intrusive, you know? Dan: what's funny is, I haven't tell you how up to tells you how up to date I am right I'm getting my news about vaping from dean jackson. Yeah, that tells you how up to date I am right. Oh yeah, I'm getting my news about vaping from. Dean: Dean Jackson. Yeah, exactly. Dan: That tells you how out of touch I am. Dean: That's right, I stay in touch with what the kids are doing. Dan, I'll tell you. I keep you up to date. Dan: That's so funny. Kids, yeah, how much less than 80 does childhood start? Dean: I don't know I'm hanging in there. I just turned 40, 19. So let's see Keep that. We'll keep it going, keep it alive. Dan: Yeah. Dean: So it's been an interesting week. Now we're coming up on like 10 days of the new VO3, the Google Flow video processing that we talked about last week, and it's just getting. You know, there's more and more like everybody's tripping over themselves to show all the capability that it has. You know, I had an interesting conversation with Eben Pagan I was talking about because this new capability I mean certainly it's at the stage now what Peter Diamandis would say that you know, the execution of video has really been democratized. Now the cost is nearing zero in terms of, you know, the ability to just use prompts to create realistic things, and every time I show these videos they just keep getting better and better in terms of the news desk and the man on the street type of things and all the dramatic, the dramatizations there's really like it's gonna be very difficult. It's already difficult. It's going to be impossible to tell the difference between real and virtual, but my thought is that this is going to lead to more and more content being created, and I did the latest numbers For the same amount of attention that is exactly it, dan. I looked at the thing, so I looked it up. Well, certainly, our attention capacity has remained and will remain constant at. If we had 100 of somebody's available attention, we would have a maximum of a thousand minutes of their attention available every day, but on average, americans spend 400 to 450 minutes a day consuming content on a screen. So that's what the real availability is. And I asked Charlotte about the current rate of uploading to YouTube, and right now there are 500 hours per minute loaded to YouTube every single minute of the day. 500 hours per minute, it's getting crowded minute getting, it's getting crowded and that is piled on top of over 1 billion available hours of content that's currently on youtube, because you can access any of it, right and so just? Dan: that you can't even. Dean: You can't even sit down no, and I thought know, the thing is that the content that's being created for that it's novelty right now. That's driving and everybody's watching it going holy cow. Can you believe this? Oh man, we're never going to be able to tell. That's the conversation. It's like a peak level interest in it right now and it's pretty amazing. But I just finished the second season of Severance on Netflix which is a great show. And I read that the budget for that show is $20 million per episode. So they spend $200 million creating that content, that season, for you to watch, and so you're competing for that 450 minutes of available attention with the greatest minds in Hollywood, you know, in the world, you know creating this mega it's not Hollywood. Dan: It's not Hollywood, no Right, I mean Actually a lot of. I bet. If you put Hollywood against London, England, London would win in terms of yeah, you're probably right. Interesting content, I bet. Yeah, I bet the skills of British people just in the geographic area of London outcompetes Hollywood. Dean: Yeah, but it's really kind of interesting to me that I don't know to what end this creation Well, there is no end. Dan: Yeah, surprise, there's no end. You thought you were getting close to the end. Dean: Nope, nope. Dan: No, I was thinking about that because I was preparing myself for my weekly call with Dean. And I said you really bright technology guy. And he said that it's called the bottomless. Well, and he said actually. He said do you know what most of the energy in the world is used for? This is a really interesting question. It caught me by surprise. That's why I'm asking you the question. Dean: I don't know. Dan: Most of the energy in the world is used to refine even higher intensity energy. Oh everything that's where most of the energy in the world is used is to actually take energy from a raw stage and put it into power. He says it's not energy we're getting. You know, when we switch on light, it's power we're getting. He says power is the game not energy. Dean: Energy is just a raw material. Dan: It's the constant human ingenuity of taking raw energy and making it into eventually like a laser, which is one of the most intense, dense, focused forms of energy. Is a laser? I noticed the Israelis three days ago for the first time shot down a rocket coming from not a rocket, a drone that was coming in from I don't know, the Houd know, one of those raggedy bunches over there, and they were comparing the cost that, basically that if they send a rocket to knock down a rocket it's about $50,000 minimum a shot. You know if they shoot one of the rockets, it's $50,000. But the laser is $10, basically $10. Dean: Oh, my goodness Wow yeah. Dan: And you know it just prices you know, and everything else, but what they don't take into account is just the incredible amount of money it takes to create the laser. Yeah right, right, right you know, and he said that the way progress is made in the world, he says, is basically by wasting enormous amounts of energy, what you would consider waste. And he says, the more energy we waste, the more power we get. And it's an interesting set of thoughts that he can he said? by far. The united states waste the most energy in the world, far beyond anyone else. We just waste enormous energy. But we also have an economy that's powered by the highest forms of energy. So he says that's the game, and he says the whole notion of conserving energy. He says why would you conserve energy? You want to waste energy. He says the more energy you waste, the more you find new ways to focus energy. Anyway maybe AI is actually a form of energy. It's not actually. You know, I mean everybody's just from this latest breakthrough that you spoke about last week and you're speaking about this week. Maybe it isn't what anyone is doing with this new thing. It's just that a new capability has been created, and whether anybody gets any value out of it doesn't really matter. It's a brand new thing. So there's probably some people who are really going to utilize this and are going to make a bundle of money, but I bet 99% of the humans are using that, are doing that for their own you know, their own entertainment. It's going to have actually a economic impact. It's not going to. Dean: That's my point. Dan: That's what I was saying about the thing about the what I was saying about the thing about the, what it's another way of. It's another way of keeping, another way of keeping humans from being a danger to their fellow human beings you know, he's been down the basement now for a week. He hasn't come back up, there's a harmless human. Yeah, yeah. I was you know, but if you think about AI as not a form of communication. It's a form of energy. It's a form of power yeah, and everybody's competing for the latest use of it. Dean: Yes. Dan: But like for example, I've never gone beyond perplexity, I've never Right, right. You know, like people say oh, you should use Grok and I said, no, no, I'm getting a lot of value, but I'm creating these really great articles. I have a discussion group. Every quarter we have about a dozen coach clients that get together and for 23 years we've been sending in articles and now this last issue, which just went out I think it goes out tomorrow you know, it's got about 40 articles in it and former mine and their perplexity searches to you and yeah, and. I'm just looking for the reaction because you know I had a prompt and then the I put it into perplexity and I got back. I always use ten things. You know ten things is my prompt. Ten things about why Americans really like gas-powered, gas-powered cars and why they always will. That's, that was my prompt and it came back. You know 10 really great things. And then I took each of the answers and it's a numbered, sort of a numbered paragraph and I said now break this out into three subheads that get further supporting evidence to it automatically. So I got 30 and you know, and I do some style changes, you know to yeah, make the language part. Thing you know it's about six pages. It's about six pages when you put it into word wow, I put it into work. I put it into word and then do a pdf you know, pdf and I send it out. But they're really interesting articles. You know I said but if you look at the sources, there are probably one of the articles has 30 different sources. You know that it's found. You know, when you ask the question, it goes out and finds 30 different articles. Dean: Pulls an idea about it. Dan: So I'm just checking this out to see if people find this kind of article better than just one person has an opinion and they're writing an article. Dean: Here. Dan: I just asked a question and I got back a ton of information. You know I said so, but that's where I am with perplexity. After using it for a year you know I'm using it for a year I've got to the point where I can write a really good article that other people find interesting. Dean: Oh, I would love to see that. Dan: I mean that's I'll interesting. Oh yeah, I would love to see that. I mean that's. Yeah, I'll send them out this afternoon. I'll send them out to you. Dean: Okay. Dan: They're interesting. Dean: Yeah, huh. Well, that's and I think that's certainly a great thing Like I assist, but it's like a single use, Like I'm interested in a single use. Dan: And I get better at it, it gets better and I get better, you know. And yeah, so that, and my sense is that what AI is a year from now is what you were a year ago. Dean: I'm saying more about that. Dan: Well, whatever you were good at last year, at this time you're probably a lot better at it next year because you have the use of ai oh exactly I'm amazed. Dean: You know like I. I'm like your charlotte experiment. Dan: You're a lot better with charlotte now than when you first started with charlotte. Dean: Yeah, and she's a lot better a lot better, charlotte's a lot better. Yeah, I had a conversation with her yesterday because I got another entry for the VCR files where Justin Bieber's wife, hailey Bieber, just sold her skincare line for a billion dollars and she started it in 2023. So from yeah, from nothing, she built up this skincare line, started with a vision I want to do a skincare line partnered with a capability, and her 55 million Instagram followers were the reach to launch this into the stratosphere. I just think that's so. I think that's pretty amazing. You know that it took Elizabeth Arden, who was a she may be Canadian actually cosmetic, almost 40 years to get to a billion dollars in Different dollars, different dollars in value than you know. Here comes Hailey Bieber in two and a half years. Yeah, I mean, it's crazy. Yeah, this is but that's the power of reach as a multiplier. I mean it's really you got access to. You know, instant access, zero friction for things to spread now. Yeah. Dan: Yeah, I mean the big thing that you know. I want to go back to your comment about democratization. It's only democratic in the sense that it doesn't cost very much. Dean: That's what I mean. Yeah, it's available to everybody. Dan: But that isn't to me. That's not the question is do you have any capability whatsoever? It's not that. The question is do you have any capability whatsoever? I mean, you know that tells me that if the person who waits next to the liquor store to open every he got enough money from panhandling the day before to get liquor, he can now use the new Google thing that's open to him. I mean, if he gets a computer or he's got a buddy who's got a computer, he can do it. But he has absolutely no capability, he has absolutely no vision, he has absolutely no reach to do it. So I think it's the combination of VCR that's not democratized. Actually it's less democratized. It's less democratized. It's either the same barriers to democratization as it was before or it's still really expensive. It's not the vision, not the capability, it's not the reach, it's the combination of the three, and my sense is very few people can pull that like this. Yeah well, while she was doing it, 99,000 other people weren't doing that. Dean: That's exactly right. Yeah, yeah. Dan: That's really that distinction. My sense is, the VTR is not democratized whatsoever. Dean: I really am seeing that distinction between capability and ability. Yeah, seeing that distinction between capability and ability. Dan: That's every the capabilities are what are being democratized, but not the ability. Dean: Ability, yeah, ability is always more than pianists yeah, and that's the thing ability, will, is and will remain a meritocracy thing that you can earn, you can earn, and concentrated effort in developing your abilities, focusing on your unique abilities that's really what the magic is. Dan: Yeah yeah, yeah, as'm going like. My sense is that you know where we're probably going to be seeing tremendous gains over, let's say, the next 10 years. Is that a lot of complexity? Issues are, for example, the traffic system in Toronto is just bizarre. The traffic system in New York City and Manhattan makes a lot of sense, and I'll give you an example. There's probably not a road or a street in Toronto where you can go more than three intersections without having to stop. Dean: Ok, but in. Dan: New York City on Sixth Avenue, because I know Sixth Avenue, which goes north, I've been in a cab that went 60 blocks without stopping for a red light. Wow, Because they have the lights coordinated and if you go at a certain speed you are you'll never hit a red light. Ok, yeah, so why can't Toronto do that? I mean, why can't Toronto do that? Because they're not smart enough. They're not smart enough. Whoever does the traffic system in Toronto isn't smart enough. My sense is that probably if you had AI at every intersection in the city and they were talking to each other, you would have a constant variation of when the lights go red and green and traffic would probably be instantly 30 or 40 percent better. How interesting. And that's where I see you're gonna. You're gonna have big complexity issues. You know big complexity there are. There are lots of complexity issues. I mean, you know people said well, you know, a Tesla is much, much better than a. You know the gasoline car and. I said well, not, you know, a Tesla is much, much better than you know a gasoline car. And I said well, not when you're driving in Toronto. You can't go any faster in a Tesla than you can go, than traffic goes you know it's not going any, so you know it's not. You're not getting any real. You know a real superior. It's not 10 times better superior. Dean: It's not 10 times better. I don't know, Dan. I'll tell you. You guys activated the full self-drive? Dan: No, because it's illegal. No, it's illegal. It's illegal in Canada. Dean: Let me just tell you my experience. Yesterday I was meeting somebody at the Tampa Edition Hotel right downtown and there's sort of coming into Tampa. There's lots of like complexity in off ramps and juncture you know they call it malfunction junction where all of these highways kind of converge and it's kind of difficult to, even if you know what you're doing to make all of these things. Well, I pulled out of my garage yesterday and I said navigate to the Tampa edition. And then bloop, bloop, it came up. I pushed the button, the car left my driveway, went out of my neighborhood through the gate, all the turns, all the things merged onto the highway, merged off and pulled me right into the front entrance of the Tampa Edition and I did not touch the steering wheel the entire time. Dan: I did the same thing on Friday with Wayne, exactly. Dean: I've been saying that to people forever, Dan. I said, you know, Dan Sullivan's had full self-drive, autonomous driving since 1998. You know, yeah, yeah, boy, yeah, and you know You're always two steps ahead, but that you know. Dan: Well, no, I totally understand the value of having to do that. Yeah, it's just that it's available. It's available in another form as well. Dean: Yes, yeah, yeah, the outcome is available. Right, that's the thing. Dan: Yeah, yeah, yeah, but I enjoy chatting with him. You know like. Dean: I enjoy chatting. Dan: He's you know he. You know he. He's got lots of questions about. You know current affairs. He's got. He's got things to you know what's going about in London? It's the cab drivers. I would never take a limousine in London because cab drivers have their own app now. The black cab drivers have their own app and plus they have the knowledge of the city and everything. But if you're getting close to an election, if you just take about 10 cab drives and you talk to them, what's it looking like? They're pretty accurate. They're pretty accurate. Because they're listening constantly to what people are talking about when they're in the taxi cabs and they can get adrift. They get a feel about it. Yeah, I mean, I like being around people. So being alone with myself in a car, it doesn't, you know, it's not really part of my, it's not really part of my style anyway, but it makes a lot of sense for a lot of people. Probably the world is safer if certain people aren't driving oh, I think that's going to be true. Dean: You know as it's funny. You know now that. So elon is about to launch their robo taxi in Austin, texas this month, and you know now whenever a. Tesla Google right Google. Yeah, I think it is, you're right. Dan: Yeah. Dean: So yeah, whenever a Tesla on autopilot, you know, has an accident or it steers into something or it has a malfunction of some way or some outlier event kind of happens, it's national news. You know, it's always that thing and you know you said that about the safety. I kind of do believe that it's going to get to a point where the robots are safer than humans driving the car and but the path to get there is going to have to not like as soon as if there ever was a fatality in a robo taxi will be a. That'll be big news. Yeah, well, there was one in phoenix with waymo there was a fatality. Dan: I didn't know that yeah, I was actually a pedestrian. She was crossing the street and it was very shaded and the Waymo didn't pick up on the change of light and didn't see her. She was killed. She was killed, yeah well you know, it's like flying cars. You know, the capability of a flying car has been with us since 1947. There's been cars that actually work, but you know, usually you know, I mean we all are in cars far more of our life than we're in the air, but your notion of an accident being an accident. I've only been in one in my life. It was a rear end when I was maybe about 10 years old, and that was the only time that I've ever been in an accident. And you know, and it happened real fast is one of the things that's the thing is how fast it happens. And spun our car around and you know we ended up in a ditch and nobody was hurt and you know that was my only one. So my assessment of the odds of being in an accident are gauged on that. I've been in hundreds of thousands of car rides that seems like that and I had one thing. So my chances of you know, and it was okay, it was okay. If you have an accident at a thousand feet above the earth, it's not okay, it's not okay, and that's the problem, it's not okay, it's not okay, yeah, this is, and that's the problem. That's the problem. That's the real problem. It's an emotional thing that you know it's death If you have an accident you know, it's death. Yeah, and I think that makes the difference just emotionally and psychologically, that this it might be a weird thing one out of a thousand, one out of a thousand, one out of a million you know, chance that I could get killed. When it's a hundred percent, it has a different impact. Yeah, well, I was thinking that when, or the power goes out, the power goes out. Yeah, I mean, I've flown in that jet. You know there's that jet that has the parachute. Do you know the? Jet yes, yeah, and I've flown in the jets I've flown in the cirrus, I think yeah anyway, it's a very nice jet and it's very quiet and it's you know, it's very speedy and everything else. But if something happens to the pilot, you as a passenger can hit a button and air traffic control takes over, or you can pull a lever and it pulls out the cargo chute. Everything like that, and I think that they're heading in the right direction with that. Dean: Yes. Dan: I think it's called VeriJet is the name of it, but they're very nice and they're very roomy. They're very roomy. I flew from Boston to New York and I flew from San Francisco to San Diego. Dean: Yes. Dan: I've been in it twice. They're very nice. Dean: Yeah, Nice jets. Maybe you that'd be nice to go from Toronto to Chicago. Dan: Well, they have them now, but it only makes sense if you have four people and they don't have much cargoes. They don't have much space. You're treating it like a taxi really. Dean: Yes, yeah, true, I was going to say about the self-driving, like the autonomous robo taxis or cars that are out driving around, that if it starts getting at large scale, I think it's only going to be fair to show a comparison tally of if somebody dies because of a robo taxi or a self-driving car that the day or week or year to date tally of. You know one person died in a autonomous car accident this week and you know however many 3,000, 2,000 people died in human-driven cars this week. I think, to put that in context, is going to have to be a valuable thing, you know. Dan: Yeah, yeah, I mean. The other thing that a lot of people you know and it's a completely separate issue is that you're being asked to give up agency. Yes that's the thing. Dean: You hit it on the head. Dan: And I think that's the bigger issue. I think you know a lot of people. You know I'm not one of them, so I have to take it from other people saying they love driving and they love being in control of the car. They love being in control and you're being asked because if you are in an accident, then there's a liability issue. Is it you, is it the car, is it the car maker? Is it you know what? Who's? It's a very complicated liability issue that happens, you know happens, you know, and it's really. Dean: You know. What's funny, dan, is if you and I were having this conversation 122 years ago, we'd be talking about well, you know, I really like the horse being in control of the horses here, these horseless carriages, I don't know that's. You know who needs to go 30 miles per hour? That's that. That sounds dangerous, you know. But I love that picture that Peter used to show at the Abundance 360. That showed that Manhattan intersection in 1908. And then in 1913, you know, in that five year period from horses to no horses, I think we're pretty close to that transition from 2025 to 2030, you know. Dan: Yeah, it'll be interesting because you know the thing that I'm finding more and more and it's really reinforced with this book. I'm reading the Bottomless Well, and this is a 20-year-old book, you know and everything, but all cars are now electric cars. In other words, the replacement of mechanical parts inside cars with electronics has been nonstop, and actually I found the Toyota story the most interesting one. Toyota decided to stop making electric cars. Did you know that? Dean: Oh, I just saw a Prius, but is that not electric? No, it's a hybrid. Dan: They have both, and for me it makes total sense that you would have two fuels rather than one fuel. Dean: Right. Dan: Yeah, and there's just so much problems with you know the electric generation of getting the. I mean, for example, it tells you what happened under the Biden administration that they were going to put in I don't know 100,000 charging stations. Dean: Yeah. Dan: And it was 12. They got 12 built Wow, 12. They got 12 built Wow. And the reason is because there's not a demand for it. First of all it's a very select group of people who are buying these things. Dean: Yeah. Dan: And a lot of it has to do with where, for example, in California, I think the majority of them come out of a certain number of postal zones. Dean: Oh, really yeah Like. Dan: Hollywood would have a lot of them Like Hollywood would have a lot of them, beverly Hills would have a lot of them, but others wouldn't have any at all because there's no charging stations unless you have one at home. But the other thing is just the sheer amount of energy you have to use to make a Tesla is way more than the energy that's required to make a gas car. Gas cars are much cheaper to make. Dean: So there's some economics there. Dan: But the other thing is this thing of agency living in a technological world. More and more technology is taking over and you're not in control. And I think there's a point where people say, okay, I've given up enough agency, I'm not going to give up anymore. And I think you're fighting that when you're trying to get that across. I mean, I know Joe is wild about this, you know about Joe Polish, about self-driving and everything like that, but I don't know when I would ever do it. Dean: Well, especially because it's not a problem you need solved. You've solved the problem since 1998. You've got you've you know one of the things, Dan, when you and I first started having lunches together or getting together like that, I remember very vividly the first time that we did that, we went to Marche. In the yeah, downtown Hockey Hall of Fame is yeah, exactly yeah. We went to Marche and we sat there. We were there for you know, two hours or so and then when we left, we walked out, we went out the side door and there was your car, like two paces outside of the exit of the building. Your car was there waiting for you and you just got in and off you go. And I always thought, you know, that was like way ahead of. Even your Tesla can't do that, you know, I just thought that was fun thing, but you've been doing that 25 years you know just wherever you are, it's knows where to get you. You walk out and there it is, and that's this is before Uber was ever a thing for, before any of it you know, yeah, yeah, well, it's just, you know, I think we're on exactly the same path. Dan: It's just something that I don't want to think about. Dean: Right. Dan: I just don't want to have all the where did I park? And you know, and the whole thing. And the cars are always completely, you know, clean. Dean: They're completely you know clean they're, you know they're fully fueled up all the insurance has been paid for that they check them out. Dan: I think they have to check them out every couple weeks. They have to go into their yeah, their garage and make sure everything's tuned up. Dean: They have to pass yeah, most people think that would be a, that's an extravagance or something you know if you think about that, but do you know approximately how much you spend per month for rides or whatever your service is for that? Just to compare it to having a luxury car, of course I have no idea to having a luxury car? Dan: Of course, I have no idea, Of course. Dean: I love that Of course you don't. That's even better. Dan: Right, I know it's about half the cost of having a second car. Dean: Right, exactly. Dan: It's so, it's pretty. You know, that's pretty easy, it doesn't use up any space, I mean. Dean: Right. Dan: Yeah, yeah and yeah, yeah, yeah, it's an interesting. Dean: I like simple and I like you know, I I just like having a simple life and I don't like that friction freedom, friction freedom, yeah yeah, yeah and but our limousine company is really great and it's called Bennington and they are affiliated with 300 other limousine companies around the world. Dan: They're in a network, and so when we're going to Chicago, for example, the affiliate picks us up at the airport. When we go to Dallas, the affiliate picks us up at the airport. The only thing we do differently when we go to London, for example, is that the hotel Firmdale Hotel, they get the cab and they pick us up and they pay everything ahead of time. It goes on our bill. But it's just nice that we're in a worldwide network where it's the same way. If I were going to Tokyo, it would be the Tokyo right. Dean: So yeah, that's. That's really good thing in in Buenos. Dan: Aires. Yeah, yeah, it's the way, it's the of, no, it's the four seasons, of course it all actually does it. Yeah, so it's the hotels, so that's it. But it's interesting stuff what it is. But the democratize. I think that the I mean the definition of capitalism is producing for the masses. You know, that's basically the difference between other systems and capitalism, the difference between other systems and capitalism. Capitalism is getting always getting the cost down, so the greatest proportion of people can you utilize the thing that you're doing? You? know, yeah, and I think it's democratizing in that effect. But it all depends upon what you're looking for. It all depends upon what kind of life you want to have. You know, and there's no democracy with that Some people just know what they want more than other people know what they want. Yeah right, exactly. Dean: Yeah, I think that we're. You know, I keep remembering about that article that I read, you know, probably 2016 about the tyranny of convenience. You know that's certainly an underestimated driver, that we are always moving in the direction of convenience, which is in the same vein as that friction freedom. I've noticed now that other friction freedom. I've noticed now that other. I just look at even the micro things of like Apple Pay on my phone. You know, just having the phone as your, you know, gateway to everything, you just click and do it, it's just comes, it's just handled, you know. Know you don't have any sense of connection to what things cost or the transaction of it. The transaction itself is really effortless float your phone over over the thing, I got cash all over the place. Yeah, exactly I know, like a little, like a squirrel, I got little ATMs all over the house. Yeah, exactly. Dan: I got shoeboxes with cash. I've got winter coats with cash I mean Babsoe Cup. She says you got any cash? I said yes, just stay here, because I don't want you to see where I'm going. What do you want? Yeah, yeah. And I find a lot of entrepreneurs I think more than other folks have this thing about cash, because you can remember a day way back in the past where you didn't have enough money for lunch. You know. Dean: Yeah. Dan: I always, I'm always flush with cash, yeah. Dean: Every time I go to the airport. Dan: You know the airport in toronto or where I'm landing. I always go and I get. You know, I get a lot of cash I just like currency. Dean: Yeah, I love the. The funny thing is the. What was I thinking about? Dan: you were talking about. Dean: Oh, I had a friend who had he used to have a file like file folders or file cabinets sort of thing. But he had a file like when file folders or file cabinets were a thing, but he had a file called cash and he would just have cash in the cash folder, yeah, yeah, or nobody would ever think to look for it. You know, filed under cash there's a thousand dollars right there. Dan: Yeah. We had a changeover a year ago with housekeepers? Dean: Yeah, we had a changeover a year ago with housekeepers, so previous housekeeper we had for years and years. Dan: She retired and we got a new one and she's really great. But there was a period where the credit card that our previous. We had to change credit cards because she makes a lot of purchases during the week. And then Babs said, Dan, do you have any cash for mary? And I said, sure, wait right here. And I said I brought him. I had five hundred dollars. And she said I said well, that'd be good. And she said where do you have five hundred dollars. I said not for you to know mary, you can ask, but you cannot find that's funny, I think there's something to that, dan. Dean: I remember, even as a kid I used to. To me it was something to have these stacks of $1 bills. You had $40 as a 10-year-old. That's a big stack. You were a push, oh yeah, and I used to have an envelope that I would put it in and I had a secret. I just had a secret hiding place for the money. Yeah, yeah, so funny. I remember one time I got my mom worked at a bank and I had her, you know, bring me. I gave my money and had her bring like brand new $1 bills. You know, like the things. And I saw this little. I saw a thing in a book where you could make what like a little check book with one dollar bill. So I took a little cardboard for the base thing, same, cut it out, same size as the dollar bills, and then took a glue stick and many layers on the end of the thing so that they would stick together. But I had this little checkbook of $1 bills and I thought that was the coolest thing ever. Dan: It's tangible, yeah, yeah. Dean: It's like agency. Dan: I think we like tangibility too. I think that's the value that we hold on to, and you can push things where they disappear. You know, digital things sort of disappear. And it's not tangible. So I think a lot of people get in the money problem because the money they're spending is not tangible money. You know, and I think there's we're. You know we're sensory creatures and there's a point where you've disconnected people so much from tangible things that they lose its meaning after a while. I'll send you one of my articles, but it's on how universities are in tremendous trouble right now. Trump going after Harvard is just, it's just the sign of the times. It's not a particular, it's actually we don't even know what Harvard is for anymore. They're so far removed from tangible everyday life. We don't even know. So you can have the president of the United States just cutting off all their and so somebody says oh, I didn't even know they got funding. You know, I didn't even know they got funding. You know, I didn't even know the government gave harvard money and there's no problem now because they've lost touch. They it's hard for them to prove why they should get any tax money and they've gotten so disconnected in their theoretical worlds from the way people live. It's a. It's an interesting thing. There's a tangibility border. If you cross too far over the tangibility border, I heard a comedian. Dean: Jimmy Carr was on Joe Rogan's podcast and he was saying you know, the joke is that the students are using AI to do their homework. The tutors, the teachers, are using AI to grade the homework and in three years the AI will get the job. Dan: Teaching other AIs? Yeah, exactly. Dean: Yeah, well, I mean you can go too far in a particular direction. Yeah, that's where it's headed. Dan: That's exactly right, yeah, yeah, apparently Henry Kissinger taught at Harvard and you know he was on the faculty but he was busy, so in some of his classes he just put a tape recording of him, you know, and he had a really boring voice. It was this German monotonic voice you know and everything like that. And so he would just put a teaching assistant would come and turn on the tape recorder. Dean: And then he asked one day. Dan: He was. He was just in the building and he walked in and there were as a class of 40. And he walked in and there was one tape recorder in the front of the room and there were 40 tape recorders on the 40 desk. He was oh no, yeah, they were just recording his recording. That's funny, yeah, and they would have shown up. I mean, they would have had standing room only if it was him. Dean: Yeah, right, right, right. Dan: So it's lost tangibility and it doesn't have any meaning after a while. Yeah, that's funny. Yeah, Okay, got to jump. Dean: Okay, so next week are we on yeah, chicago. Dan: Yeah, we are an hour. Dean: Okay, perfect. Dan: It'll be an hour, the same hour for you, but a different hour for me. Dean: Perfect, I will see you then. Okay, thanks, dan, bye.

This week, John and Elliot discuss the recent GAO report on AI in financial services, AUSTRAC's media release about crypto ATMs and their use in scams, fraud, and illicit finance, a new Canadian proposal to strengthen its boarders, including efforts to crack down on money launderers, a new North Dakota data security law impacting financial service providers, and other items impacting the financial crime prevention community.

Hello, Million Bazillionaires! In the new season of Million Bazillion, Ryan and Bridget head out on even bigger adventures to answer some of the best money questions we've ever received:From the mystery behind the lottery, to explaining tariffs, and how athletes get paid, the ins and outs of ATMs and how to keep your money info safe online, and why organic food costs more than non-organic food. But the fun doesn't end there. When you're done listening to each episode, check out our newsletter for bonus content and cool questions to spark conversations between kids and grownups. New episodes drop every Tuesday starting June 3! Subscribe wherever you get your podcasts. In the meantime, check out our trailer above and catch up on any episodes you might've missed.

Hello, Million Bazillionaires! In the new season of Million Bazillion, Ryan and Bridget head out on even bigger adventures to answer some of the best money questions we've ever received:From the mystery behind the lottery, to explaining tariffs, and how athletes get paid, the ins and outs of ATMs and how to keep your money info safe online, and why organic food costs more than non-organic food. But the fun doesn't end there. When you're done listening to each episode, check out our newsletter for bonus content and cool questions to spark conversations between kids and grownups. New episodes drop every Tuesday starting June 3! Subscribe wherever you get your podcasts. In the meantime, check out our trailer above and catch up on any episodes you might've missed.

Have you ever wondered why the dollar sign is used for both U.S. dollars and Mexican pesos? We've had students ask if ATMs in Mexico give out dollars or pesos, all because of that same “$” symbol. In this episode, we break down the real history behind the sign—from colonial-era Spanish pesos to silver mines and the American Revolution—and reveal how the U.S. didn't create the symbol, but actually adopted it from Latin America.Key Takeaways:The “$” symbol likely originated from the abbreviation “PS” for pesos, not from U.S. dollars.Mexico—and many other countries—used the symbol before the U.S. did.While the symbol is shared globally, each currency it represents is distinct and independent.Relevant Links And Additional Resources:Boost your confidence in real-life Spanish conversations with our Spanish Immersion RetreatsLevel up your Spanish with our Podcast MembershipGet the full transcript of each episode so you don't miss a wordListen to an extended breakdown section in English going over the most important words and phrasesTest your comprehension with a multiple choice quizIf you enjoy Learn Spanish and Go, please consider subscribing, rating, and reviewing our podcast on Apple Support the show

Teri Williams President and Chief Operating Officer of OneUnited Bank. She is responsible for implementation of the Bank’s strategic initiatives, as well as the day-to-day operations. Under her leadership, OneUnited Bank has consolidated the local names and product offerings of four (4) banks and launched a digital platform to create a powerful national brand supported by innovative technology, products and services. OneUnited Bank, the nation’s largest Black owned bank and award-winning Community Development Financial Institution, serves as a bridge by offering affordable financial services and promoting financial literacy. She brings 30 years of financial services expertise from premier institutions such as Bank of America and American Express, where she was one of the youngest Vice Presidents. Ms. Williams holds an M.B.A. with honors from Harvard Business School and a B.A. with distinctions from Brown University. Company Description *OneUnited Bank, America's leading Community Development Financial Institution, the nation’s largest Black-owned bank, eleven-time recipient of the US Department of Treasury’s Bank Enterprise Award for community development and named Inc. Magazine’s Best in Financial Services 2024.OneUnited is grounded in its decades long mission to strengthen communities of color by offering affordable financial services for all, supporting local communities in Miami, Boston and Los Angeles. The ultimate mission is to make financial literacy a core value in communities of color in order to to close the wealth gap. Talking Points/Questions * 1. Partnership wtih Esusu to increase homeownership in communities of color2. Black businesses doing business with each other in war on DEI3. Making financial literacy a core value of underserved communities #STRAW #BEST #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Teri Williams President and Chief Operating Officer of OneUnited Bank. She is responsible for implementation of the Bank’s strategic initiatives, as well as the day-to-day operations. Under her leadership, OneUnited Bank has consolidated the local names and product offerings of four (4) banks and launched a digital platform to create a powerful national brand supported by innovative technology, products and services. OneUnited Bank, the nation’s largest Black owned bank and award-winning Community Development Financial Institution, serves as a bridge by offering affordable financial services and promoting financial literacy. She brings 30 years of financial services expertise from premier institutions such as Bank of America and American Express, where she was one of the youngest Vice Presidents. Ms. Williams holds an M.B.A. with honors from Harvard Business School and a B.A. with distinctions from Brown University. Company Description *OneUnited Bank, America's leading Community Development Financial Institution, the nation’s largest Black-owned bank, eleven-time recipient of the US Department of Treasury’s Bank Enterprise Award for community development and named Inc. Magazine’s Best in Financial Services 2024.OneUnited is grounded in its decades long mission to strengthen communities of color by offering affordable financial services for all, supporting local communities in Miami, Boston and Los Angeles. The ultimate mission is to make financial literacy a core value in communities of color in order to to close the wealth gap. Talking Points/Questions * 1. Partnership wtih Esusu to increase homeownership in communities of color2. Black businesses doing business with each other in war on DEI3. Making financial literacy a core value of underserved communities #STRAW #BEST #SHMSSee omnystudio.com/listener for privacy information.

Twenty-one year old Reagan Tokes, an Ohio State University student, tragically lost her life on February 8, 2017. She was abducted after leaving her job at a restaurant in downtown Columbus, Ohio. Her attacker, Brian Golsby, forced her to withdraw money from ATMs, sexually assaulted her, and ultimately murdered her in Scioto Grove Metro Park. Reagan was shot twice and left in a field, where her body was discovered the next day. Her case led to significant changes in Ohio's criminal justice system, including the implementation of the Reagan Tokes Act. This law introduced reforms to better monitor violent offenders after their release from prison. Reagan's story has been a catalyst for discussions about public safety and justice reform. Click here to join our Patreon.  Connect with us on Instagram and join our Facebook group.  To submit listener stories or case suggestions, and to see all sources for this episode: https://www.inhumanpodcast.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Episode 424 and we're glowing in the daylight savings lighting. This week Em brings us Part two of the exorcisms of Nicola Aubry where the devil is so camp. Then Christine covers the heartbreaking Part two of Billie-Jo Jenkins' case. And are we reclaiming ‘manifesto'? …and that's why we drink! For a list of resources or ways to help those affected by the fires in Los Angeles visit: bit.ly/atwwdfirehelp ! The Pour Decisions Tour is back on the road! Get your tickets today at andthatswhywedrink.com/live ! ______________________ Listeners of And That's Why We Drink can qualify to see a registered dietitian for as little as $0 by visiting FayNutrition.com/DRINK. Make progress towards a better financial future with Chime. Open your account in 2 minutes at http://chime.com/DRINK Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. SpotMe eligibility requirements and overdraft limits apply. Boosts are available to eligible Chime members enrolled in SpotMe® and are subject to monthly limits. Timing depends on submission of payment file. Fees apply at out-of-network ATMs. Give yourself the luxury you deserve with Quince! Visit Quince.com/drink for free shipping and 365-day returns. Check out the Fits Everybody Collection at https://www.skims.com/drink #skimspartner Learn more about your ad choices. Visit podcastchoices.com/adchoices