Podcasts about atms

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

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.

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.

Welcome to Top of the Morning by Mint.. I'm Nelson John and here are today's top stories.Fireball Grounds Flights at Southend Airport A small aircraft crash sparked chaos at London Southend Airport on Sunday, halting all flight operations. Eyewitnesses captured a dramatic fireball and thick smoke, with unconfirmed reports pointing to a Beech B200 Super King Air. Authorities are investigating, but details remain scarce. Essex Police confirmed the 12-metre aircraft went down around 4 p.m., prompting evacuations of nearby golf and rugby clubs. Emergency crews, including four ambulances and air rescue teams, remain on high alert. The airport, 35 miles from London, is closed until further notice. It was a tough Friday for Indian markets. TCS's weak Q1 results and fresh tariff threats from Donald Trump against Mexico and the EU sent shockwaves through Dalal Street. The Sensex fell 690 points, and the Nifty slipped 205, both ending at weekly lows. Ajit Mishra of Religare says, “Volatility is here to stay.” Still, Bajaj Broking believes the dip may be temporary, expecting a bounce if Nifty holds above 24,900. Also in the mix: FPIs pulled out over ₹5,000 crore, oil prices surged, and over 50 Q1 earnings are due this week. That viral WhatsApp forward claiming ₹500 notes will disappear from ATMs by September 2025? Totally false. The PIB Fact Check team debunked the claim, saying RBI has issued no such order. ₹500 notes remain legal tender. The misleading message also claimed 90% of ATMs would stop dispensing the denomination by March 2026—again, untrue. On a real currency note, the RBI will soon release new ₹20 notes signed by new Governor Sanjay Malhotra. Old ₹20 notes remain valid. Big change at VIP Industries. Promoters Dilip Piramal and family have sold 32% stake to a group led by Multiples PE and investor Mithun Sancheti, handing over control of the ₹6,400-crore company. The deal—reportedly worth ₹1,764 crore—was struck at a 15% discount to market price and triggers an open offer. VIP, which commands 44% of India's organized luggage market, faces rising heat from startups like Mokobara and Nasher Miles. This could mark a fresh direction for a legacy brand known for Skybags, Carlton, and more. It's a dividend-heavy week ahead! Market leaders like TCS, Bharti Airtel, Kotak Bank, Dabur, and IDBI Bank will trade ex-dividend starting Monday, July 14. Over 50 companies, including Bajaj Electricals, Blue Star, Cummins, and Happiest Minds, are on the list. Some are also announcing bonus or rights issues, creating opportunities for dividend-focused investors. If you're chasing payouts, timing is key—own the shares before their ex-date to be eligible. TCS Miss, Trump Tariffs Rattle MarketsFake ₹500 Note Ban Claim BustedVIP Industries Gets a New CrewDividend Week: 50+ Stocks Go Ex-Dividend Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

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

The number of ATMs in China has collapsed to just 800,000, a 25% drop in five years, as mobile payments dominate daily life. While urbanites enjoy frictionless transactions, the decline of cash infrastructure threatens to exclude older and rural populations who rely on physical currency. Is China's financial future leaving vulnerable groups in the past? On the show: Steve Hatherly, Niu Honglin & Laiming

On April 28, 2025, most of Spain, Portugal, and the south of France lost power for a day. Everything instantly ground to a halt: transportation, airports, ATMs, hospitals, cell phones, traffic lights, etc., and while this was a rare event for an area roughly the size of the state of Texas, it was catastrophic for everyone affected. In this episode of The Sourcing Hero podcast, Host Kelly Barner welcomes back Kris Lance, Vice President and Senior Director at Una, for a monthly conversation about current news stories. Kris has experience in multiple industries and has his finger on the pulse of the trends and topics that procurement, sourcing, and supply chain professionals need to be aware of. In this month's discussion, Kris and Kelly discuss the power outage:  The most popular speculations about how and why the outage occurred, and what those theories tell us about people's mindset Lessons the rest of the world can learn about the risks to nations, governments, families, and energy infrastructure Silver linings that may show themselves under difficult circumstances like these  Links: Under Armour, Unless partner on plant-based sportswear collection Kris Lance on LinkedIn Subscribe to Una's Procurement Newsletter, “The Sidekick” Episode 212: Trying Regenerative Sportswear on for Size Episode 208: All Cracked Up - Understanding Today's Egg Prices Episode 204: Hot Times in the Arctic Circle Episode 200: Fostering the Conditions That Lead to Success

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

Host Jeremy C. Park talks with Tosha Price, Business Development Manager with Ascend Federal Credit Union, who leads their financial education efforts across Middle Tennessee and highlights both the largest credit union in Middle Tennessee and their mission to serve by offering financial literacy education and giving back to the community in a variety of ways. With more than 250,000 members and more than $4.4 billion in assets, Ascend Federal Credit Union is the largest credit union in Middle Tennessee and one of the largest federally chartered credit unions in the United States. Based in Tullahoma, Tennessee, the member-owned financial institution offers banking, loan, retirement, and investment services from its 28 branches, more than 55,000 free ATMs worldwide, digital banking portal, and mobile app.During the interview, Tosha discusses the importance of providing financial literacy education in the community. She explains the difference between a bank and a credit union, emphasizing that credit unions are not-for-profit and focus on people helping people. She highlights the financial literacy programming offered by Ascend Federal Credit Union, including online modules, calculators, and workshops. Tosha also mentions their initiative, Bonsai, which provides financial education to K-12 students. She emphasizes the importance of budgeting, building a credit score, and using credit cards wisely.Tosha discusses the importance of using credit cards responsibly, emphasizing that they are loans and not personal funds. She highlights the average interest rate on credit cards is 20%, and advises to always pay the balance off to avoid extra interest charges. She also mentions the availability of college student credit cards with lower interest rates. When it comes to tips for improving credit scores, Tosha suggests paying off debts and diversifying credit types, rather than accumulating multiple credit cards. She also warns against the misconception that paying regular bills like rent or utilities improves credit scores, as only loan payments are reported positively.Tosha emphasizes the importance of prioritizing savings by paying oneself first and starting small. She suggests having a separate savings account to avoid easy access to funds. She also highlights the benefits of credit unions, such as higher dividends, rewards checking accounts, and more lenient lending practices.Visit https://ascend.org to learn more about Ascend Federal Credit Union.

How can you grow meaningful investor relationships—without pitching, chasing, or selling?   In this episode, Don Spafford joins Angel Williams to share how strategic networking and mindset shifts helped him move from financial struggle to real estate success. Don explains why leading with service, not sales, builds trust, and how finding shared interests—even coin collecting—can open doors to deeper relationships. They explore how non-traditional groups like service organizations can yield better investor connections than typical meetups, and how simple, consistent outreach can multiply your network. The conversation also touches on mentorship, financial freedom through real estate, tax strategies, and creative investment ideas beyond property—like agriculture, ATMs, and helium.   [00:01 – 04:33] Start by Helping, Not Pitching Why offering value first builds stronger connections The significance of shared interests as conversation starters How Don connected with Jay Money through coin collecting   [04:34 – 08:46] Go Beyond Real Estate Meetups The importance of meeting people outside your niche Why service clubs and volunteer boards attract serious investors How shared purpose leads to aligned goals   [08:47 – 12:28] From Broke to Fourplex What motivated Don to leverage his 401(k) despite financial stress The importance of changing financial trajectories through action Why real estate became his vehicle to FI   [12:29 – 16:58] LinkedIn Growth & Intentional Visibility How Don grew from 300 to 2,500+ LinkedIn connections in a year The importance of visibility and consistent posting What posting meetup recaps taught him about content and connection   [16:59 – 20:15] Mentorship, Mindset & Tax-Smart Investing The impact of long-term mentorship on young immigrants Why real estate isn't the only path to passive income How tax strategy books reshaped Don's financial thinking     Key Quotes:   “Offering help before asking for help—that's how you start real connections.” - Don Spafford   “Most of the world's millionaires didn't start rich. They built it through real estate or business.” - Don Spafford   “Networking is showing that you care, not just looking for investors.” - Don Spafford     Connect with Don:   LinkedIn: https://www.linkedin.com/in/don-spafford-5887867/     Key Quotes:   “Nobody cares what you went through. They want to know: did you close or not?” - Angel Williams   “Make sure people know what you're doing. Just talk to them like you would about your vacation.” - Brian Briscoe     Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!

Banking on Fraudology is part of the Fraudology Podcast Network.In this powerful episode of Banking on Fraudology, host Hailey Windham continues her conversation with fraud expert Andrew Austin about a devastating crypto scam that targeted his 81-year-old father. Andrew provides a detailed breakdown of how the scam unfolded, exposing critical failures across multiple systems and organizations that allowed it to succeed. From compromised computers sold on online marketplaces to inadequate fraud detection at banks and crypto ATMs, Andrew highlights the cascade of breakdowns that left his father vulnerable.The discussion dives deep into the technology and human elements that enable these scams, including remote access software, social engineering tactics, and a lack of awareness among frontline workers. Andrew shares his frustrating experiences trying to report the crime and work with law enforcement, revealing major gaps in how financial crimes are handled. He emphasizes the need for better training, more empathy for victims, and increased collaboration across the fraud-fighting community.Throughout the episode, Andrew offers valuable insights on how financial institutions, crypto companies, and law enforcement can improve their fraud prevention and response. He advocates for more robust device intelligence, behavioral biometrics, and transaction monitoring, as well as policy changes to protect elderly customers. The conversation concludes with a call for fraud fighters to spread awareness whenever possible and take a more empathetic, victim-centered approach. For anyone working in fraud prevention or interested in protecting themselves and loved ones from scams, this episode is a must-listen. Tune in to gain critical knowledge that could help stop the next fraud before it happens.------------------------------------About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/

In this episode of All About Capital Campaigns, Amy Eisenstein and Andrea Kihlstedt unpack a common but costly mistake nonprofits make—treating donors as checkbooks instead of partners. Sparked by recent federal funding cuts to arts organizations, this conversation challenges fundraising teams to rethink how they communicate with their most committed supporters during a crisis.Too often, when a major grant disappears or budgets fall short, nonprofits react with urgency but little strategy. A mass email plea might generate a trickle of support, but it rarely strengthens long-term donor relationships or builds confidence. Amy and Andrea argue there's a better way—one that starts by treating your top donors like trusted advisors.The episode digs into the difference between reactive fundraising and relationship-based fundraising. The key? Seeing your donors as people who want your mission to succeed and are willing to help in more ways than writing a check. Andrea shares a personal example of how a missed opportunity left her feeling like "just another wallet," and Amy discusses the psychological impact of mass appeals versus personalized outreach.You'll hear:Why most fundraising appeals fall flat after a crisis—and what to do insteadHow to engage your top donors in real conversations about strategy, not just fundingWhy even non-fundraising experts have valuable insight into program decisionsThe value of building a mental “donor committee” that you turn to regularlyHow relational fundraising mirrors real-life friendships—and why that mattersWays to make your follow-up more than a thank-you noteAmy and Andrea offer a practical framework that fundraising professionals can adopt immediately—starting with a simple mindset shift: Donors are institutional friends, not vending machines. If that sounds soft, think again. This approach can lead to larger gifts, more meaningful partnerships, and long-term campaign success.This conversation is especially timely for nonprofit leaders facing funding cuts, uncertainty, or stalled campaigns. If you're tired of short-term fixes and want to start building lasting support, this episode offers a clear path forward.To learn more about capital campaign strategy and donor engagement, visit capitalcampaignpro.com, where you'll find free resources and ways to work directly with expert advisors like Amy and Andrea.

- samourai update https://primal.net/e/nevent1qqs8mjm67xamkhnkqvrx8vvkjrxqmrnjwldzryfkkvsncdtz6ulrlfqmy5fx5- strike launches lending https://primal.net/e/nevent1qqsqq5vq40xyn9av02wv5nlex4f84g6sk020apvnayltf2aq3rj5xpqjh2s58- btc++ and texas mining summit week concludes- Bangladesh | Currency Shortage as Central Bank Halts Printing of BanknotesA state-induced cash crunch is paralyzing Bangladesh after the interim government, led by Muhammad Yunus, ordered the central bank to discontinue old banknotes featuring Sheikh Mujibur Rahman, the founding president of Bangladesh. New cash is expected to be printed in phases beginning in May. But Bangladeshis report they are currently stuck with old and unusable currency, as the national mint has yet to issue replacement currency and lacks the capacity to print more than three notes at a time. Meanwhile, public ATMs continue to dispense old and worn-out banknotes, with merchants reluctantly accepting them and banks refusing to exchange them. Through all this, the central bank of Bangladesh sits on nearly 15,000 crore taka ($1.28 billion) worth of old notes in vaults, but the interim government has refused to release them, deepening public frustration. FinancialFreedomReport.org- Wasabi Wallet v2.6.0: First Version to Sync & Operate Without a Central Server https://www.nobsbitcoin.com/wasabi-wallet-v2-6-0/0:00 - Intro2:59 - OP_DEBATE36:26 - Samourai update43:09 - Hashpools49:59 - Cashu multinut52:44 - Gary leaves and Matt reads zaps56:08 - Strike lending1:02:49 - Boosts1:07:39 - HRF Story of the Week1:09:36 - Software update1:11:30 - We're having funShoutout to our sponsors:Coinkitehttps://coinkite.com/Unchainedhttps://unchained.com/rhr/Bitkeyhttps://bitkey.world/Stakworkhttps://stakwork.ai/Follow Marty Bent:Twitterhttps://twitter.com/martybentNostrhttps://primal.net/martyNewsletterhttps://tftc.io/martys-bent/Podcasthttps://tftc.io/podcasts/Follow Odell:Nostrhttps://primal.net/odellNewsletterhttps://discreetlog.com/Podcasthttps://citadeldispatch.com/

Last week, Europe experienced its worst blackout in living memory, which plunged tens of millions of people across Spain and Portugal into darkness for up to 18 hours. Life screeched to a halt, with trains, traffic lights, ATMs, phone connections, and internet access failing. In the aftermath, many important questions have arisen, including: what caused such a widespread grid failure, and how can Europe and other nations prepare for the next time an event like this happens?  In today's episode, Nate is joined by Pedro Prieto to discuss the recent blackout in the Iberian Peninsula, exploring its causes, impacts, and the role of renewable energy in the stability of the electric grid. Prieto highlights the societal and infrastructural challenges that his home country faced, emphasizing the need for a balanced approach to energy management, as well as the interconnectedness of energy systems and societal resilience. The discussion delves into the complexities of energy demand and supply, the importance of backup systems, and the future of renewable energy in Spain. Are developed countries more vulnerable to blackouts than those that are still developing? How does renewable energy act as a double-edged sword, adding stability or fragility to energy infrastructure, depending on how it's used? How might developed countries learn lessons from this widespread blackout, including policy changes or reducing energy dependence in the face of future energy challenges? (Conversation recorded on May 1st, 2025)   About Pedro Prieto: Pedro is the vice president of the Asociación para el Estudio de los Recursos Energéticos (AEREN). AEREN is an open space for debate and communications on energy issues and their role in demography, development, economy and ecology. Pedro was a member of the board at ASPO International with AEREN representing ASPO in Spain. Since 2004, Pedro has led several solar photovoltaic projects in Spain, a leading world country in solar PV penetration. Pedro co-authored Spain's Photovoltaic Revolution. The Energy Return on Investment, that challenged the conventional energy boundaries considered up to the moment for calculations.   Show Notes and More Watch this video episode on YouTube   Want to learn the broad overview of The Great Simplification in 30 minutes? Watch our Animated Movie.   ---   Support The Institute for the Study of Energy and Our Future Join our Substack newsletter Join our Discord channel and connect with other listeners

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.

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 #SHMSSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This week, we're joined by the brilliant Tobias Kopka—aka Melkor of Haujobb—as we explore the importance of the demo scene. We explore how this underground digital art movement went from C64 crack intros to global recognition through the ‘Art of Coding' UNESCO initiative. From the days of 2,000 sweaty kids attending events like The Gathering to international cultural bids, Tobias shares some amazing stories, including running demos on ATMs and sending them into space!  Contents: 00:00 - The Week's Retro News Stories  39:49 - Tobias Kopka Interview Please visit our amazing sponsors and help to support the show: Bitmap Books - https://www.bitmapbooks.com Take your business to the next level today and enjoy 3 months of Shopify for £1/month: https://shopify.co.uk/retrohour The Retro Hour Book: https://retrohour.myshopify.com/ We need your help to ensure the future of the podcast, if you'd like to help us with running costs, equipment and hosting, please consider supporting us on Patreon: https://theretrohour.com/support/ https://www.patreon.com/retrohour Get your Retro Hour merchandise: https://bit.ly/33OWBKd Join our Discord channel: https://discord.gg/GQw8qp8 Website: http://theretrohour.com Facebook: https://www.facebook.com/theretrohour/ X: https://twitter.com/retrohouruk Instagram: https://www.instagram.com/retrohouruk/ Bluesky: https://bsky.app/profile/theretrohour.com Twitch: https://www.twitch.tv/theretrohour Show notes Wii Homebrew Channel closes: https://tinyurl.com/yy32spc4 Frontier Force: https://tinyurl.com/53uy5u54 Breakspace Spectrum magazine – Issue 1 released: https://breakspace.itch.io/issue-1 Toys R Us – the movie: https://tinyurl.com/48trvmhm Linecraft for Pico-8: https://tinyurl.com/5cbyrynu

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

The infamous Klaus Schwab, who just stepped down as chairman of the World Economic Forum, is now being investigated for fraud. It's being widely reported that executives at the World Economic Forum have voted to open up an investigation on the 87-year-old founder of the WEF over whistleblower complaints of unethical conduct and financial misappropriation. We're going to see what's really going on and why it all spells nothing less than the end of the WEF itself!--Head over to http://PureHealthResearch.com and use code TURLEY to save 35%.*If you wanna take advantage of this ECONOMIC BOOM, click on the link https://neoscdg.org/golden-age-summit or scan the QR code and get registered!**The content presented by sponsors may contain affiliate links. When you click and shop the links, Turley Talks may receive a small commission.*Highlights:"Schwab allegedly asked junior employees to withdraw thousands of dollars from ATMs on his behalf. He also allegedly used WEF funds to pay for “private, in-room” massages at hotels.”“With the coming of Trump and the ending of the NGO slush funds like USAID, the WEF is getting cut off from a major source of funding and power.”“Trump looks like he just basically ended the WEF! Trump broke Davos, literally!” Timestamps: [02:37] Klaus Schwab under investigation; the allegations of financial misconduct against him and his wife[05:31] How the collapse of USAID and the rise of BRICS undermine globalist networks like WEF[08:14] Trump's role in defunding globalist initiatives and weakening Davos--Thank you for taking the time to listen to this episode. If you enjoyed this episode, please subscribe and/or leave a review.FOLLOW me on X (Twitter): https://twitter.com/DrTurleyTalksSign up for the 'New Conservative Age Rising' Email Alerts to get lots of articles on conservative trends: https://turleytalks.com/subscribe-to-our-newsletter**The use of any copyrighted material in this podcast is done so for educational and informational purposes only including parody, commentary, and criticism. See Hosseinzadeh v. Klein, 276 F.Supp.3d 34 (S.D.N.Y. 2017); Equals Three, LLC v. Jukin Media, Inc., 139 F. Supp. 3d 1094 (C.D. Cal. 2015). It is believed that this constitutes a "fair use" of any such copyrighted material as provided for in section 107 of the US Copyright Law.

Senator Johnson's bombshell 9/11 probe, and AI's staggering 99.9975% evidence debunking the Pentagon plane crash, rips apart decades of lies.White House's COVID lab leak narrative — alibiEXCLUSIVE: China's rare earth monopoly explained by industry expertYou thought the devil wore Prada? Kristi Noem's $3,000 cash-filled Gucci purse theft exposes the elitism and incompetence of government and the hypocrisy of civil asset forfeitureChina's gold-melting ATMs fuel a manic gold rushMaryland parents fight a sinister school board pushing explicit LGBTQ books on toddlers2:40 Senator Ron Johnson says “Eyes Wide Open” Now on 9/11He thinks Trump will help to get to the bottom of 9/11?  Look at the role of Trump's friends, especially Rudy Giuliani     YOU know the truth, (here's a quick recap), and it's been clear for a LONG time.  These commissions are designed to COVER UP and DEFUSE criticism 30:16 AI Can “Grok” 9/11 Pentagon Lie, Even If Some Humans Can't (Won't)     Researcher's relentless AI interrogation of Grok unveils a 99.9975% chance that no plane hit the Pentagon on 9/11!     Forget the government's lies—staged light poles, implausible witness accounts, and an intact concrete column defy the official 757 crash narrative.  The official story falls about so that even a child (or AI) can see it — unless they don't want to see it. 43:13 Kristi Noem's Stolen Purse Scandal: $3,000 Cash, Secret Service Blunder, and You Thought the Devil Wore Prada? Her Gucci purse, stuffed with $3,000 cash, was stolen from “Cosplay Cop”, Kristi Noem.  The people who work for her would steal that kind of money from you without charging you with a crime, under “civil asset forfeiture”.  So maybe she should start the theft investigation with her own employees. 46:20 Mayor's Deadly Fentanyl Plan and Klaus Schwab's Shocking ExitA California mayor's horrifying proposal to flood the homeless with free fentanyl and Klaus Schwab, the World Economic Forum's “you'll own nothing” mastermind, is ousted amid explosive whistleblower accusations 58:50 Texas Lottery Heist Shocker: $95 Million Jackpot Rigged, Exposing State CorruptionThe jaw-dropping $95 million Texas lottery jackpot was hijacked by a cunning crew of professional bettors who outsmarted the system, buying up nearly every ticket for a nearly $60 million! 1:06:40 Supreme Court Showdown: Parents Battle School Board's ‘Pagan Pedophilia' Curriculum Pushing LGBTQ Sex Stories on 3-Year-Olds      A Maryland school board's sinister plan to force pre-K kids as young as three into explicit LGBTQ-themed storybooks—like same-sex playground sex—has ignited a court challenge     The case exposes a chilling state takeover of children's minds, funded by your skyrocketing property taxes. 1:22:09 LIVE comments from audience and emails with an update on Scott Schara's fight for justice in a landmark trial, accusing a hospital of deliberately killing his daughter Grace during COVID lockdowns 1:54:26 China's Gold-Melting ATMs as Gold Mania Melts Up     China's futuristic gold-to-cash ATMs are melting jewelry in 30 minutes, fueling a frenzy of urban gold mining as prices soar—but can you trust them?     Meanwhile, Trump's erratic tariffs trigger a staggering $13 trillion Wall Street wipeout, freezing the economy and shattering foreign investors' trust in the U.S. dollar. With Goldman Sachs warning of a looming recession, the world's financial system hangs by a thread 2:06:27 China's Rare Earth Stranglehold: A Wake-Up Call for America     China's iron grip on over 90% of the world's rare earth mineral processing threatens to cripple U.S. technology, healthcare, and defense industries overnight as China's ready to turn off the tap in a high-stakes trade war in response to Trump's tariffs.     Join Josh Ballard, CEO of USA Rare Earth (USARE.com, NASDAQ:USRE), as he exposes the strategic maneuvering that gave China its monopoly, and unveils a bold plan to rebuild America's supply chain from the ground up.      How long will it take, and what happens in the interim?2:29:30 Electric Cars: China's Spy Machines Threatening National Security and Bankrupting the Green Dream!The UK government just realized electric vehicles (EVs) are China's ultimate surveillance weapons, cars into a mobile spying platform! From eavesdropping on private conversations to hacking vehicles for assassinations, Defense Chiefs warn EVs pose a catastrophic threat to national security — but they still demand they replace conventional cars. "Packed like lemmings into shiny metal boxes, contestants in a suicidal race" 2:42:08 Sun Sets on Early Solar Adopters: How “Renewable” Are They?      Forget biodegradable straws—the climate movement's hypocrisy is choking the planet with unrecyclable junk.     Cesar Barbosa, a pioneer in solar decommissioning, reveals a silent crisis: half of all commercial solar systems installed before 2016 will be dead by 2030, leaving homeowners stranded as companies go bankrupt and toxic waste mounts. Solar panels are dying, wind turbine blades are piling up as non-biodegradable waste, and lithium-ion battery plants are erupting in catastrophic infernos, exposing the green movement's dirty secrets. 2:49:34 White House's COVID Lab Leak Lie, a.k.a. “The Alibi”      The White House's new website claims COVID-19 escaped from a Wuhan lab, but it's a brazen lie to shield the real criminals — THEM!     The true pandemic? A deadly vaccine rollout that spiked excess deaths, orchestrated by the same masterminds who pushed ventilators, remdesivir, and denied life-saving treatments. From malicious hospital murders to gain-of-function research restarted under Trump, this is no accident—it's a calculated plan for control, surveillance, and depopulationIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Money should have intrinsic value AND transactional privacy: Go to DavidKnight.gold for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHTFor 10% off supplements and books, go to RNCstore.com and enter the code KNIGHTBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Senator Johnson's bombshell 9/11 probe, and AI's staggering 99.9975% evidence debunking the Pentagon plane crash, rips apart decades of lies.White House's COVID lab leak narrative — alibiEXCLUSIVE: China's rare earth monopoly explained by industry expertYou thought the devil wore Prada? Kristi Noem's $3,000 cash-filled Gucci purse theft exposes the elitism and incompetence of government and the hypocrisy of civil asset forfeitureChina's gold-melting ATMs fuel a manic gold rushMaryland parents fight a sinister school board pushing explicit LGBTQ books on toddlers2:40 Senator Ron Johnson says “Eyes Wide Open” Now on 9/11He thinks Trump will help to get to the bottom of 9/11?  Look at the role of Trump's friends, especially Rudy Giuliani     YOU know the truth, (here's a quick recap), and it's been clear for a LONG time.  These commissions are designed to COVER UP and DEFUSE criticism 30:16 AI Can “Grok” 9/11 Pentagon Lie, Even If Some Humans Can't (Won't)     Researcher's relentless AI interrogation of Grok unveils a 99.9975% chance that no plane hit the Pentagon on 9/11!     Forget the government's lies—staged light poles, implausible witness accounts, and an intact concrete column defy the official 757 crash narrative.  The official story falls about so that even a child (or AI) can see it — unless they don't want to see it. 43:13 Kristi Noem's Stolen Purse Scandal: $3,000 Cash, Secret Service Blunder, and You Thought the Devil Wore Prada? Her Gucci purse, stuffed with $3,000 cash, was stolen from “Cosplay Cop”, Kristi Noem.  The people who work for her would steal that kind of money from you without charging you with a crime, under “civil asset forfeiture”.  So maybe she should start the theft investigation with her own employees. 46:20 Mayor's Deadly Fentanyl Plan and Klaus Schwab's Shocking ExitA California mayor's horrifying proposal to flood the homeless with free fentanyl and Klaus Schwab, the World Economic Forum's “you'll own nothing” mastermind, is ousted amid explosive whistleblower accusations 58:50 Texas Lottery Heist Shocker: $95 Million Jackpot Rigged, Exposing State CorruptionThe jaw-dropping $95 million Texas lottery jackpot was hijacked by a cunning crew of professional bettors who outsmarted the system, buying up nearly every ticket for a nearly $60 million! 1:06:40 Supreme Court Showdown: Parents Battle School Board's ‘Pagan Pedophilia' Curriculum Pushing LGBTQ Sex Stories on 3-Year-Olds      A Maryland school board's sinister plan to force pre-K kids as young as three into explicit LGBTQ-themed storybooks—like same-sex playground sex—has ignited a court challenge     The case exposes a chilling state takeover of children's minds, funded by your skyrocketing property taxes. 1:22:09 LIVE comments from audience and emails with an update on Scott Schara's fight for justice in a landmark trial, accusing a hospital of deliberately killing his daughter Grace during COVID lockdowns 1:54:26 China's Gold-Melting ATMs as Gold Mania Melts Up     China's futuristic gold-to-cash ATMs are melting jewelry in 30 minutes, fueling a frenzy of urban gold mining as prices soar—but can you trust them?     Meanwhile, Trump's erratic tariffs trigger a staggering $13 trillion Wall Street wipeout, freezing the economy and shattering foreign investors' trust in the U.S. dollar. With Goldman Sachs warning of a looming recession, the world's financial system hangs by a thread 2:06:27 China's Rare Earth Stranglehold: A Wake-Up Call for America     China's iron grip on over 90% of the world's rare earth mineral processing threatens to cripple U.S. technology, healthcare, and defense industries overnight as China's ready to turn off the tap in a high-stakes trade war in response to Trump's tariffs.     Join Josh Ballard, CEO of USA Rare Earth (USARE.com, NASDAQ:USRE), as he exposes the strategic maneuvering that gave China its monopoly, and unveils a bold plan to rebuild America's supply chain from the ground up.      How long will it take, and what happens in the interim?2:29:30 Electric Cars: China's Spy Machines Threatening National Security and Bankrupting the Green Dream!The UK government just realized electric vehicles (EVs) are China's ultimate surveillance weapons, cars into a mobile spying platform! From eavesdropping on private conversations to hacking vehicles for assassinations, Defense Chiefs warn EVs pose a catastrophic threat to national security — but they still demand they replace conventional cars. "Packed like lemmings into shiny metal boxes, contestants in a suicidal race" 2:42:08 Sun Sets on Early Solar Adopters: How “Renewable” Are They?      Forget biodegradable straws—the climate movement's hypocrisy is choking the planet with unrecyclable junk.     Cesar Barbosa, a pioneer in solar decommissioning, reveals a silent crisis: half of all commercial solar systems installed before 2016 will be dead by 2030, leaving homeowners stranded as companies go bankrupt and toxic waste mounts. Solar panels are dying, wind turbine blades are piling up as non-biodegradable waste, and lithium-ion battery plants are erupting in catastrophic infernos, exposing the green movement's dirty secrets. 2:49:34 White House's COVID Lab Leak Lie, a.k.a. “The Alibi”      The White House's new website claims COVID-19 escaped from a Wuhan lab, but it's a brazen lie to shield the real criminals — THEM!     The true pandemic? A deadly vaccine rollout that spiked excess deaths, orchestrated by the same masterminds who pushed ventilators, remdesivir, and denied life-saving treatments. From malicious hospital murders to gain-of-function research restarted under Trump, this is no accident—it's a calculated plan for control, surveillance, and depopulationIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Money should have intrinsic value AND transactional privacy: Go to DavidKnight.gold for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHTFor 10% off supplements and books, go to RNCstore.com and enter the code KNIGHTBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Ebro, Laura, and Rosenberg host HOT 97's flagship program "Ebro In The Morning!" on today's episode 4/14/25 - Vybez Cartel at Barclays Center, Drake and Ebro beef, Kanye and The Game back and forth, Governor Josh Shapiro arson attack, Candace Owens on Rosenberg’s feed, $5 ATMs, Coachella Weekend, Masters Weekend, and much more! All that and more on Ebro In The Morning! To be a part of the Gurus email theguru@ebrointhemorning.com To be a part of Freedom Friday email info@ebrointhemorning.comSee omnystudio.com/listener for privacy information.

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

Get ready to boogie into March with us while we read you a selection of ghostly Listener Stories. From a haunted home built by a criminal, to a dog loving poltergeist, a prankster ghost and some not so friendly/friendly cemetery ghosts, this episode has it all! And we hope the leprechauns bring you all a lucky month filled with positivity... and that's why we drink!For a list of resources or ways to help those affected by the fires in Los Angeles visit: https://bit.ly/atwwdfirehelp ! The Pour Decisions Tour is back on the road! Catch us this month in Monterey and San Luis Obispo, California! Get your tickets today at https://www.andthatswhywedrink.com/live ______________________ Make progress towards a better financial future with Chime. Open your account in 2 minutes at 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. Get the right life insurance for YOU, for LESS, at SELECTQUOTE.COM/DRINK Get 15% off OneSkin with the code DRINK at https://www.oneskin.co/ #oneskinpod Get better sleep, hair and skin with Blissy and use DRINKPOD to get an additional 30% off atblissy.com/DRINKPOD Learn more about your ad choices. Visit podcastchoices.com/adchoices