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    FT News Briefing
    EU politicians bristle at US trade deal

    FT News Briefing

    Play Episode Listen Later Jul 29, 2025 12:10


    Bank of England governor Andrew Bailey and UK chancellor Rachel Reeves are at odds, and EU politicians are grumbling over the bloc's trade deal with the US. Plus, the US economy is defying expectations and Bain & Co is to shut down its consulting business in South Africa after a corruption scandal. Mentioned in this podcast:Rachel Reeves and Andrew Bailey clash over Revolut meetingWhat have the US and EU agreed on trade?Merz says trade deal will cause ‘considerable damage' to German economyHow the EU succumbed to Trump's tariff steamrollerBain & Co shuts South Africa consulting business after corruption scandalHow long can the US economy defy expectations?Today's FT News Briefing was produced by Fiona Symon Sonja Hutson, and Marc Filippino. Additional help from Blake Maples, Michael Lello, and Gavin Kallmann. Our acting co-head of audio is Topher Forhecz. Our intern is Michaela Seah. The show's theme song is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

    Banking Transformed with Jim Marous
    From Cash and Cards to Invisible Banking

    Banking Transformed with Jim Marous

    Play Episode Listen Later Jul 29, 2025 44:15


    The convergence of artificial intelligence, real-time payment rails, open banking, and embedded finance is creating both unprecedented opportunities for innovation and significant competitive pressures. Banks must navigate the delicate balance between embracing cutting-edge technologies, such as generative AI, and maintaining the trust and security that customers demand. In this episode of the Banking Transformed podcast, we delve into the rapidly evolving payments ecosystem with Rich Clow, Head of Innovation and Strategy at Global Payment Solutions, Bank of America. With over 25 years of experience spanning from the early days of branchless banking to today's AI-powered financial services, Rich provides unique insights into the transformative trends reshaping how we think about money, payments, and banking relationships. Join us as we explore these critical trends with one of the industry's most experienced innovators, who has been at the forefront of digital payments evolution for over two decades.

    Mallett and Michelle on Dripping Springs
    Ep.187 Service Before Self (Kathryn Chandler and Sharon Reddehase of Patriots Hall)

    Mallett and Michelle on Dripping Springs

    Play Episode Listen Later Jul 29, 2025 84:30


    Monologue:Flood Relief Shout OutsFlood ScamsVA Cuts-I Don't Think So!Patriots Hall and VFW or American LegionGuests:Kathryn Chandler and Sharon Reddehase of Patriots Hall join us. Kathryn Chandler is the visionary founder of Patriots' Hall of Dripping Springs, a 10-acre retreat and resource center dedicated to serving veterans of all ages, branches, and backgrounds. Her passion for creating a place of healing, camaraderie, and purpose led to the development of this first-of-its-kind sanctuary in the Texas Hill Country. Sharon Reddehase, Executive Director of Patriots' Hall, brings years of nonprofit leadership and a deep respect for veteran service to the mission. Together, they lead an organization that offers connection, community, and critical support for those who've served, right here in Dripping Springs.Based in Dripping Springs, Steve Mallett and Michelle Lewis invite you into their world of engaging conversations with guests who bring fresh ideas, humor, and wisdom to the table. They dive into everything from life's absurdities to community quirks, adding their signature twist of small-town charm and bold candor. Think of them as the funny neighbors with the best stories, the ones who always tell it like it is. With a healthy dose of Hill Country spirit, they explore local gossip and topics that connect us all—proving you don't need to be famous to be extraordinary; you just need a microphone and the courage to share your voice. Every episode is a mix of laughter, insight, and connection, making this podcast one you won't want to miss! New episodes weekly! Send us a textSupport the showSPONSORS: The Real Estate Pro's at The Mallett Integrity Team. Call-512-627-7018 Serving all of Central Texas since 2003. "Real Estate Done Right" SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. www.southstarbank.com The Deep Eddy Vodka Tasting Room is in the Texas Hill Country just outside Austin, TX. The venue welcomes over 75,000 visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country! events@deepeddyvodka.com Jovie Belterra-Nestled within the Belterra community, discover your path to joy and wellness at the exquisite 55+ apartment community. Follow us, leave a review, TELL A FRIEND!AppleInstagramWebsitemallettandmichelle@gmai...

    Standard Chartered Money Insights
    Cut to the Chase! A wind of change in Japan

    Standard Chartered Money Insights

    Play Episode Listen Later Jul 29, 2025 3:21


    Daniel discusses the latest Tokyo CPI figure, the US-Japan trade deal and the likely increase in fiscal policy, can lead to a more hawkish Bank of Japan at the meeting this week.Speaker: - Daniel Lam, Head of Equity Strategy, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

    Radio Elshinta
    Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) Akan Memblokir Rekening Dormant Atau Rekening Bank Yang Tidak Aktif Dalam Jangka Waktu Tertentu

    Radio Elshinta

    Play Episode Listen Later Jul 29, 2025 23:49


    Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) akan memblokir rekening dormant atau rekening bank yang tidak aktif dalam jangka waktu tertenu. PPATK beralasan karena ditemukan rekening tidak aktif yang disalahgunakan. Meski transaksi dibekukan sementara, PPATK memastikan bahwa dana tetap aman dan tidak hilang. Hal ini menuai reaksi di masyarakat bahkan dipertanyakan oleh sejumlah anggota DPR. Bagaimana menyikapi kebijakan tersebut? Talk: Pakar Hukum Tindak Pidana Pencucian Uang, Dr, Yenti Garnasih

    Angry Mortgage
    Street Level Mortgage News | EP. 132

    Angry Mortgage

    Play Episode Listen Later Jul 29, 2025 50:45


    Send us a textSpecial Guest Rob Campbell What's happening in the mortgage trenches? Renewal activity but do most people need changes & refinance not just straight renewal? What about Mortgage Rates: Fixed Rates jump, Bank of Canada NO CHANGE. Were there more purchases in the last 2 months.Will that be a trend? What about just getting a mortgage? Is it harderRon & Rob spit Street Level Truths Support the show

    Get Rich Education
    564: The Real Estate "Crisis" That's Actually a Gift: 5% Mortgage Rates

    Get Rich Education

    Play Episode Listen Later Jul 28, 2025 40:58


    Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

    Count Me In®
    Ep. 309: Jameson Galey - Learning and Growing with Every Career Leap

    Count Me In®

    Play Episode Listen Later Jul 28, 2025 19:18 Transcription Available


    On this episode of Count Me In, Adam Larson sits down with Jameson Gale, CMA, CPA, and dynamic finance leader whose career has spanned TV production, entrepreneurship, and innovative tech startups. Jameson is also the founder of Ledgeroo, a platform designed to help bring accounting education to the world by making it affordable and accessible through bite-sized, gamified lessons. He shares how an unexpected opportunity launched him into accounting, why he fell in love with the field, and the wild ride of becoming a CFO at just 29 years old (including a “tiny” life change: getting married right before the pandemic hit!). From navigating the tricky finances behind hit shows like "Married at First Sight," to building financial systems for a solar tech startup, Jameson's story is packed with lessons about taking risks, hustling for what you want (hint: sometimes that involves Craigslist), and keeping your passion for learning alive. Jameson gives us a candid look at what it's like to transition between industries, build your own tools from scratch, and bravely bet on yourself when everyone says otherwise. Whether you're an accounting pro, an aspiring entrepreneur, or just love a good real-world success story, you'll find inspiration and maybe a few laughs in this engaging, relatable conversation. Sponsor:Today's episode is brought to you by U.S. Bank. U.S. Bank is a trusted financial partner for our clients, businesses and communities. We believe in doing the right thing and putting people first. It's an honor to be recognized as one of the World's Most Ethical Companies® by the Ethisphere Institute for the tenth consecutive year. From commercial credit cards and program management tools to innovative payment technologies and transportation offerings, U.S. Bank Corporate Payment Systems has the right solution to help your organization reduce payment costs, enhance control and streamline your entire payment processing function. We'll partner with you to uncover your challenges and provide smart, clear and honest guidance to help you meet the financial goals for your business. Visit usbank.com/corporatepayments to learn more.

    Rugby on Off The Ball
    Rugby Daily | Lions target a clean sweep of the Wallabies as Schmidt calls in a former All Black

    Rugby on Off The Ball

    Play Episode Listen Later Jul 28, 2025 14:34


    Welcome to Monday's Rugby Daily, with David Wilson.Coming up today, we will hear from the victorious Lions camp as they target a 3-zip victory.Finn Russell feels that pressure is for tyres.Ellis Genge loves the front row union.Hugo Keenan recalls a surreal moment.And Joe Schmidt rages over tight last minute call.Rugby on Off The Ball with Bank of Ireland | #NeverStopCompeting

    Startup Gems
    Finding Great Reselling Deals Is Easy (If You Know Where to Look) w/ Shannon Jean⏐ Ep. #201

    Startup Gems

    Play Episode Listen Later Jul 28, 2025 28:06


    Check out my newsletter at ⁠TKOPOD.com⁠ and join my new community at ⁠TKOwners.com⁠.I sat down with Shannon Jean again and we walked through a whole new batch of insane liquidation deals you could flip for serious money. We talked about truckloads of auto parts from the Advanced Auto Parts and Pep Boys merger, flipping Costco returns like Blackstone griddles, and why now is the perfect time to buy Christmas trees for resale. Shannon also broke down strategies for flipping Lego sets, Google Glass, and even modular buildings and flooring from college auctions. We talked about how to use AI tools like ChatGPT or Manus to analyze manifests, how to talk to potential buyers before you even bid, and how these flips could turn into a full-time business. You can find Shannon on X: @ShannonJean (⁠https://x.com/ShannonJean⁠)And learn more at: ⁠https://shannonjean.com/If you liked this one and want more from Shannon, check out the other episodes with him here:⁠How to Start Reselling (Even With $0 in the Bank) w/ Shannon Jean⏐ Ep. #199Start Here: How to Build a Business from Nothing with Shannon | Ep. #180⁠⁠⁠This One Belief Will Kill Your Business Before It Starts with Shannon | Ep. #177⁠⁠Shannon returns! How to Know if You Will Win at Entrepreneurship and Love It Too? (+ a Few Biz Ideas). Part 2 of 2. Ep #064⁠⁠How to Start a Digital Detox Biz (+ a few other ideas) with Shannon Jean. Part 1 of 2. Ep #061⁠⁠Shannon returns! More high ticket flipping and deal making tips. Part 2 of 2. Ep. #041⁠⁠Asymmetric bets & flipping high ticket items for profit with Shannon Jean. Part 1 of 2. Ep. #038⁠Timestamps below. Enjoy!---Watch this on YouTube instead here: ⁠tkopod.co/p-yt⁠Ask me a question on or off the show here: ⁠http://tkopod.co/p-ask⁠Learn more about me: ⁠http://tkopod.co/p-cjk⁠Learn about my company: ⁠http://tkopod.co/p-cof⁠Follow me on Twitter here: ⁠http://tkopod.co/p-x⁠Free weekly business ideas newsletter: ⁠http://tkopod.co/p-nl⁠Share this podcast: ⁠http://tkopod.co/p-all⁠Scrape small business data: ⁠http://tkopod.co/p-os⁠---00:00 Unlocking Wealth Through Seasonal Arbitrage02:47 The Power of Seasonal Selling06:03 Investing in High-Demand Products08:46 Maximizing Profits with Liquidation Auctions12:01 Exploring Unique Reselling Opportunities14:52 Navigating the World of Auctions18:07 Leveraging Market Trends for Profit20:55 Strategies for Successful Reselling23:49 The Future of Reselling and Investment

    BofA Global Research Podcasts
    US dollar slide sustains the Emerging Markets ride

    BofA Global Research Podcasts

    Play Episode Listen Later Jul 28, 2025 23:44


    Could be in the early stages of a re-weighting into EM Emerging Market (EM) equities have outperformed the S&P 500 so far this year. The weaker US dollar has furnished a number of positives for EM assets, from cheaper funding to less imported inflation to a more attractive carry trade. David Hauner discusses the various positives ahead, including superior economic growth, central bank cutting cycles and the possibility of a lengthy dollar decline. David also discusses EM credit which has seen buying from US investment grade and high yield funds attracted to compelling yields. One of the main risks to this bullish view is a significant deterioration in global trade. So far, however, trade numbers look good and should things deteriorate enough to warrant Fed rate cuts, the dollar could weaken further, bolstering relative performance for EM.   You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.

    CommBank Agri Podcast
    Northern hemisphere harvest comes to market

    CommBank Agri Podcast

    Play Episode Listen Later Jul 28, 2025 11:52


    In this podcast Dennis Voznesenski and John Oh discuss the latest on weather markets impacting Australian agriculture. They delve into what's behind weaker global wheat prices and what's behind the support of global canola prices.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.    

    CommBank Global Economic & Markets Update podcast
    FX Weekly - Tariff news and central bank announcements in focus this week.

    CommBank Global Economic & Markets Update podcast

    Play Episode Listen Later Jul 28, 2025 9:10


    Kristina Clifton and Samara Hammoud discuss the top three influences on currency markets this week include tariff news, three central bank announcements and the Australian CPI.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.    

    CommBank Agri Podcast
    Cattle market gain (again)

    CommBank Agri Podcast

    Play Episode Listen Later Jul 28, 2025 5:03


    In this podcast Dennis Voznesenski and John Oh discuss the latest in local cattle price gains and very strong offshore beef demand.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.    

    JIJI English News-時事通信英語ニュース-
    INTERVIEW: PayPay Bank to Expand Small-Lot Corporate Loans

    JIJI English News-時事通信英語ニュース-

    Play Episode Listen Later Jul 28, 2025 0:13


    PayPay Bank President Tomohito Takusari has indicated that the Japanese online bank aims to develop its corporate operations into a core business area on par with its services for individual customers.

    Science & Futurism with Isaac Arthur
    Vaults of Eternity - Planetary Archives & Stasis

    Science & Futurism with Isaac Arthur

    Play Episode Listen Later Jul 27, 2025 33:49


    From metal scrolls buried under alien skies to frozen vaults holding minds or monarchs for millennia, we examine how advanced civilizations might safeguard their legacy against the slow grinding of eternity.Watch my exclusive video Mass Drivers on the Moon: https://nebula.tv/videos/isaacarthur-mass-drivers-on-the-moon-enabling-a-lunar-economyGet Nebula using my link for 40% off an annual subscription: https://go.nebula.tv/isaacarthurGet a Lifetime Membership to Nebula for only $300: https://go.nebula.tv/lifetime?ref=isaacarthurUse the link https://gift.nebula.tv/isaacarthur to give a year of Nebula to a friend for just $36.Visit our Website: http://www.isaacarthur.netJoin Nebula: https://go.nebula.tv/isaacarthurSupport us on Patreon: https://www.patreon.com/IsaacArthurSupport us on Subscribestar: https://www.subscribestar.com/isaac-arthurFacebook Group: https://www.facebook.com/groups/1583992725237264/Reddit: https://www.reddit.com/r/IsaacArthur/Twitter: https://twitter.com/Isaac_A_Arthur on Twitter and RT our future content.SFIA Discord Server: https://discord.gg/53GAShECredits:Vaults of Eternity - Planetary Archives & Stasis Fields - Extended EditionEpisode 741; July 27, 2025Written, Narrated & Produced by: Isaac ArthurGraphics:Jeremy JozwikSergio BoteroMusic Courtesy of Epidemic Sound Epidemic Sound http://epidemicsound.com/creatorSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Science & Futurism with Isaac Arthur
    Vaults of Eternity - Planetary Archives & Stasis (Narration Only)

    Science & Futurism with Isaac Arthur

    Play Episode Listen Later Jul 27, 2025 33:31


    From metal scrolls buried under alien skies to frozen vaults holding minds or monarchs for millennia, we examine how advanced civilizations might safeguard their legacy against the slow grinding of eternity.Watch my exclusive video Mass Drivers on the Moon: https://nebula.tv/videos/isaacarthur-mass-drivers-on-the-moon-enabling-a-lunar-economyGet Nebula using my link for 40% off an annual subscription: https://go.nebula.tv/isaacarthurGet a Lifetime Membership to Nebula for only $300: https://go.nebula.tv/lifetime?ref=isaacarthurUse the link https://gift.nebula.tv/isaacarthur to give a year of Nebula to a friend for just $36.Visit our Website: http://www.isaacarthur.netJoin Nebula: https://go.nebula.tv/isaacarthurSupport us on Patreon: https://www.patreon.com/IsaacArthurSupport us on Subscribestar: https://www.subscribestar.com/isaac-arthurFacebook Group: https://www.facebook.com/groups/1583992725237264/Reddit: https://www.reddit.com/r/IsaacArthur/Twitter: https://twitter.com/Isaac_A_Arthur on Twitter and RT our future content.SFIA Discord Server: https://discord.gg/53GAShECredits:Vaults of Eternity - Planetary Archives & Stasis Fields - Extended EditionEpisode 741; July 27, 2025Written, Narrated & Produced by: Isaac ArthurGraphics:Jeremy JozwikSergio BoteroMusic Courtesy of Epidemic Sound Epidemic Sound http://epidemicsound.com/creatorSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Defense & Aerospace Report
    Defense & Aerospace Report Podcast [Jul 27, '25 Business Report]

    Defense & Aerospace Report

    Play Episode Listen Later Jul 27, 2025 58:19


    On this week's Defense & Aerospace Report Business Roundtable, sponsored by Bell, Dr. “Rocket” Ron Epstein of Bank of America Securities, Sash Tusa of the independent equity research firm Agency Partners, and Richard Aboulafia of the AeroDynamic advisory consultancy join host Vago Muradian to discuss new records on Wall Street as Washington strikes a tariff deal with Japan that raises baseline tariffs to 15 percent as a similar trade deal with the EU looms; the trade deal between Britain and India Booz Allen Hamilton, Dassault, Hexcel, General Dynamics, Lockheed Martin, MTU, Northrop Grumman, RTX, Textron, and Thales report second quarter 2025 earrings; Southwest CEO Bob Jordan's statement that he expects the company's 737 Max jets to be certified later than expected sometime next year as Boeing prepares to report earnings next week; the German government considers buying a stake in vehicle maker KNDS; Turkey's decision to acquire up to 40 Eurofighter jets; the Trump administration's 10-year, $151 billion “Golden Dome” missile defense program — now officially known as SHIELD or Scaleable Homeland Innovative Enterprise Layered Defense — and the cause of the growing number of near misses between US commercial and military aircraft.

    WTAM 1100 Podcasts
    Dollar Bank Extra Innings 7-27-25

    WTAM 1100 Podcasts

    Play Episode Listen Later Jul 27, 2025 55:44


    Kyle Molinelli fills in for Dman to cover the Guardians' split double header against the Royals. He also talk Trade deadline and what the Guards might be doing

    Bannon's War Room
    Episode 4661: On The Verge Of AI Bank; Empowering Government At The Expense Of The Private Sector

    Bannon's War Room

    Play Episode Listen Later Jul 26, 2025


    Episode 4661: On The Verge Of AI Bank; Empowering Government At The Expense Of The Private Sector

    Steve Adubato's Leadership Hour
    Lessons in Leadership: Vito Gagliardi and Keith Banks

    Steve Adubato's Leadership Hour

    Play Episode Listen Later Jul 26, 2025 30:00


    In this “Leaders in Law” edition of Lessons in Leadership, Steve Adubato talks with Vito A. Gagliardi, Jr., Managing Principal, Porzio, Bromberg & Newman, P.C., President and CEO, Porzio Government Affairs, about leadership, persuasion and the importance of being a mentor to those around you. Then, Steve talks with Keith Banks, Former Vice Chair, Bank … Continue reading Lessons in Leadership: Vito Gagliardi and Keith Banks

    Wohlstand für Alle
    Literatur 55: Bertolt Brecht – Die Dreigroschenoper

    Wohlstand für Alle

    Play Episode Listen Later Jul 26, 2025 14:04


    „Die Dreigroschenoper“ ist Bertolt Brechts berühmtestes Werk. Der Ruhm ist gar so groß, dass sich „Die Moritat von Mackie Messer“ bzw. „Mack the Knife“ zu einem Hunderte Male gecoverten Welthit entwickeln konnte. Uraufgeführt wurde das Stück 1928 in Berlin. Als Vorlage diente John Gays „Beggar's Opera“ von 1728. In enger Zusammenarbeit mit dem Komponisten Kurt Weill und der Übersetzerin und Autorin Elisabeth Hauptmann gelang Brecht eine subversive Mischung aus Revue, Satire und gesellschaftskritischem Musiktheater, das die bürgerliche Moral, die Mechanismen des Kapitalismus und die Verkommenheit aller gesellschaftlichen Klassen ironisch entlarvt. Der Bettlerkönig Peachum ist ein Unternehmer mit monopolistischen Tendenzen, Verbrecher Mackie Messer fragt sich, was ein Einbruch in eine Bank gegen die Gründung einer solchen ist, während Polly und Jenny romantisch-bürgerliche Liebesvorstellungen ad absurdum führen. Noch immer hat „Die Dreigroschenoper“ nichts von ihrer Wirkmacht verloren. In der neuen Folge von WfA-Literatur sprechen Ole Nymoen und Wolfgang M. Schmitt darüber, wie Brecht mit populären Mitteln den Kapitalismus analysiert. Unsere Zusatzinhalte könnt ihr bei Apple Podcasts, Steady und Patreon hören. Vielen Dank! Apple Podcasts: https://podcasts.apple.com/de/podcast/wohlstand-f%C3%BCr-alle/id1476402723 Patreon: https://www.patreon.com/oleundwolfgang Steady: https://steadyhq.com/de/oleundwolfgang/about

    Smartinvesting2000
    July 25th, 2025 | Cautious Bank Outlook, Crypto Law Update, Dividends or Buybacks, New Tax Rules, Union Pacific Corporation (UNP), Toast, Inc. (TOST), American Eagle Outfitters, Inc. (AEO) & (ABT)

    Smartinvesting2000

    Play Episode Listen Later Jul 26, 2025 55:37


    Big bank earnings give a cautious green light on the economy Every quarter we get excited about listening to and reading about how things went for the big banks in the most recent quarter as they release their earnings. I'm primarily talking about JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo. We have held a couple large banks in our portfolio for years and they have provided very useful information along with great returns as well. Overall, the big banks were happy with the low rates of consumer delinquencies and writing off debt that was unrecoverable stayed around the same rate as last year. One banker made a comment that with a 4.1% unemployment rate it's not likely to see a lot of weakness in their portfolio. This is something we have said for quite a while now, but we believe as long as the employment picture stays strong, the economy should do well. Deal making for the banks looked pretty good across the board and all of them had profit increases compared to one year ago. The overall tone from the bankers was largely upbeat, but a couple banks did call out some concern around commercial real estate and office buildings. There are certain cities with economies that are doing well, but there are other areas that are more problematic and the banks generally have commercial real estate in many markets across the country. To summarize, it appears the bankers feel pretty good, but they still remain somewhat cautious as bankers always should.   Understanding new legislation on cryptocurrencies Last week new legislation on cryptocurrencies was announced as the Genius Act, which stands for Guiding and Establishing National Innovation for US stable coins, made its way through Congress and to the President's desk. The legislation is supposed to provide licensing and oversight for stable coins as issuers must obtain licenses through either a national trust bank charter with the OCC, which stands for the Office of the Comptroller of the Currency, or a state level money transmission license. The Genius Act is supposed to provide consumer protection in the case of the issuer of a stable coin becoming insolvent. The solution in the Genius Act is to prioritize stable coin holder claims so the holders of those coins should be able to get their money back. This is nowhere near the safety one has in a bank where your deposits are insured by the FDIC should that bank fold. I feel this law will give people a false sense of security and I don't believe it will prevent a major collapse of stable coins. There's also a conflict of interest from President Trump‘s promotion of digital currencies since he himself has a coin and his sons Donald Trump Junior and Eric Trump run a bitcoin mining firm called American Bitcoin and are heavily involved in the crypto space. I believe the whole thing is just adding to the bubble of cryptocurrencies. Keep in mind that a bubble can last 10 to 12 years, if not longer, but the bigger it gets the bigger the financial disaster it causes.   What is better for investors stock dividends or stock buybacks? Unfortunately, there's no hard and fast rule based on performance figures in terms of what is better for stock investors, but I would have to lean towards stock dividends. If you look at the right companies paying dividends over a 10-year period you can find that perhaps the company you invested in is now giving you a yield of maybe 7-8% based on your initial investment. Those dividends can be a really great tool for long-term investing and while companies could always stop the dividend, most companies that have paid a dividend for the long-term do not like to stop or even reduce paying that dividend. This can help stabilize returns during downturns and may help investors be less emotional. A problem with stock buybacks is they can be announced and the stock may see a little bounce, but then it's possible that management does not fulfill the commitment to buy back all the shares they had planned to. Also, if the company or the markets were to hit a rough patch many times the first thing to go is stock buybacks. It is also possible that the company could do a stock buyback, but within a year or two the stock might drop below the price where the repurchases occurred, which would make those investments a questionable use of capital. Benefits to stock buybacks include the fact that there's no taxes for shareholders when they occur and they do increase your ownership of that business. While dividends are generally taxed, they are tax favored and depending on one's tax bracket you may pay very little or no tax at all. And don't forget about the compounding effect of reinvesting those dividends back into another investment. Unfortunately, it has become harder to find good quality companies paying dividends for a reasonable price. Looking at the S&P 500 index, the yield is now only 1.2%, which is near the all-time low that was hit during the dot-com bubble. Over the long-term history of the S&P 500, it's yield is generally around the 10-year Treasury and I was surprised to learn that up until the 1960's, the S&P 500 actually generally yielded more than the 10-year Treasury. Even looking just 10 years ago they were both yielding around 2%, but currently the spread between the two is about 3%. This comes as the S&P 500 has seen its forward P/E based on the next 12 months of earnings expand from 17 to around 22 during that time frame. Could this be another warning sign that the S&P 500 index is overvalued?   Financial Planning: New Tax Rules for Tips and Overtime Starting in tax year 2025 and through 2028, the One Big Beautiful Bill Act exempts up to $25,000 in tip income and up to $12,500 in qualifying overtime pay per individual from federal income tax—doubling to $50,000 and $25,000 respectively for married couples filing jointly. The tip exemption applies only to workers in occupations where tips are customary and must be properly reported through W-2s. The overtime deduction applies only to the premium portion of overtime wages—i.e., the extra pay above an employee's standard hourly rate—and must be paid in accordance with Section 7 of the Fair Labor Standards Act (FLSA), meaning it only covers overtime worked in excess of 40 hours per week under federal rules. Overtime paid under state laws or union contracts does not qualify unless it also meets the FLSA criteria. The full exemption is available to taxpayers with modified adjusted gross incomes up to $150,000 (single) or $300,000 (married filing jointly) and begins to phase out above those levels. To claim the exemption, workers must file a new IRS Form 10324-T with their annual tax return. Keep in mind Social Security, Medicare, and state taxes still apply to the tip and overtime pay. The policy begins with wages and tips earned on or after January 1, 2025, with claims first filed on 2025 tax returns in 2026.   Companies Discussed: Union Pacific Corporation (UNP), Toast, Inc. (TOST), American Eagle Outfitters, Inc. (AEO) & Abbot Laboratories (ABT)

    The Vancouver Life Real Estate Podcast
    Taxed to Death: The Shocking Truth About Canada's Budget Crisis & Housing Fallout

    The Vancouver Life Real Estate Podcast

    Play Episode Listen Later Jul 26, 2025 20:20


    Feeling like you're working harder and getting less? You're not alone — and the numbers prove it.This week's episode of The Vancouver Life Real Estate Podcast takes a hard look at how Canada's exploding tax burden, runaway deficits, and fleeing capital are colliding with the nation's housing market. We connect the dots between Ottawa's unchecked spending, falling investor confidence, and a real estate sector stuck in a high-stakes slowdown.Let's start with the core issue: Taxes. The average Canadian household earning $114,000 now pays over $48,000 in taxes — that's 42% of gross income, up 181% since 1961 after inflation. And yet, despite this massive government take, Canada is operating without a federal budget, projecting a $92 billion deficit — possibly rising to $147 billion — one of the largest in Canadian history outside of COVID spending.The result? Investors are running. A staggering $83.8 billion in capital has fled Canada since February, 90% of it heading to the U.S. It's the largest recorded outflow in recent memory and a clear vote of no confidence in Canada's fiscal policies. Canadians themselves are turning to U.S. markets, pouring $14.2 billion into U.S. stocks in May alone, more than 4x last year's volume.Real estate is taking a direct hit. In Toronto, the new condo market is oversaturated. Urbanation forecasts over 31,000 completions in 2025 — 74% higher than the long-term average. With 64,000+ units under construction, we're building faster than we're buying. The result? Rising inventory, few new launches, and a ticking time bomb for pricing — especially if rates remain elevated.In Vancouver, the BC government has stepped in with “relief” for developers by backstopping $250 million in DCC feesto keep projects alive. But make no mistake — this isn't a discount. It's a taxpayer-funded subsidy. You are footing the bill, even as housing remains out of reach for many.Rents are shifting, too. Vancouver's 1-bedroom unfurnished rents rose $9 to $2,232/month, though still lower than last year. West Van remains highest at $2,617. But in Burnaby, rents are falling fast, down 7.6% year-over-year, with some neighbourhoods like Central Burnaby dropping over 16%.Why hasn't the market crashed yet? Equity. The average Canadian homeowner has 74% equity in their home — that's $511K on a $691K home. In Vancouver, the average homeowner sits on $868K in equity. That's why we're not seeing widespread foreclosures or a true collapse. Homeowners still have leverage — for now. Mortgage dynamics are changing. Since 2022, mortgage debt is increasing for Canadians 55+ while decreasing among those under 35. Why? Older Canadians are taking on debt to help their children — or to cover rising living costs. The “Bank of Mom & Dad” is becoming the central lender of last resort.Real estate sentiment is weak. After a short-lived spring rebound, confidence is flatlining, echoing what we're seeing in sales volumes. Buyers are hesitant, sellers are holding back, and uncertainty is the only constant.Where are rates headed? With inflation lingering and capital fleeing, don't expect the Bank of Canada to cut anytime soon. Fixed mortgage rates remain in the mid 4% range, while the U.S. holds firm at nearly 7%. The result? A stagnant, supply-heavy, high-cost housing market — with no easy way out. _________________________________ Contact Us To Book Your Private Consultation:

    Ricochet Podcast
    Weaving Together European Conservatism(s)

    Ricochet Podcast

    Play Episode Listen Later Jul 25, 2025 60:01


    At 750 episodes, the Ricochet Podcast is ready to accept the responsibilities that come with joining the ranks of august institutions and fellow pillars of Western Civilization. To that end, our princely hosts, James, Charles, and Steven, convene with Ellen Fantini of The European Conservative for a digital roundtable on her magazine's unique efforts to restore the rites of the proud cultures on the other side of the Atlantic. Plus, the gents discuss the revisited Russiagate scandal, the Colbert affair, and Hunter Biden's...uh...transfixing effort to revive the family name.  Sound from this week's open: Tulsi Gabbard answers a question at Wednesday's White House press conference, and Stephen Colbert offers another of his "satirical witticisms."Check out Ricochet sponsors:Bank on Yourself: Get a FREE report with all the details at Bank on Yourself.com/ RICOCHETCozy Earth: Upgrade your summer. Go to cozyearth.com/RICOCHET for up to 40% off best-selling temperature-regulating sheets, apparel, and more.

    The Industrial Talk Podcast with Scott MacKenzie
    Curtis Sutherland with TAB Bank

    The Industrial Talk Podcast with Scott MacKenzie

    Play Episode Listen Later Jul 25, 2025 30:00 Transcription Available


    Industrial Talk is talking to Curtis Sutherland, Senior Vice President at TAB Bank about "Financial Solutions for Scaling your Industrial Business". Scott Mackenzie hosts an Industrial Talk podcast featuring Curtis Sutherland from Tab Bank, a virtual commercial bank serving small to medium-sized businesses across the U.S. since 1998. Curtis, with a background in computer programming and business development, explains Tab Bank's unique approach to lending, focusing on assets like receivables and inventory rather than cash flow. He highlights the bank's flexibility in providing customized financing solutions, especially for companies affected by tariffs and supply chain disruptions. Curtis emphasizes the importance of understanding regional business needs and the bank's responsiveness in supporting manufacturers through various economic challenges. Action Items [ ] @Scott MacKenzie - Stay informed on the latest developments in capital markets, tariffs, and other factors impacting the manufacturing industry through the Industrial News Network. [ ] Reach out to Curtis Sutherland, Head of Business Development at TAB Bank, to discuss financing options for your business. [ ] Explore TAB Bank's virtual banking model and how it can potentially benefit your manufacturing or industrial company. Outline Introduction and Purpose of the Podcast Scott MacKenzie introduces the Industrial Talk podcast, emphasizing its focus on industry professionals and innovations. Scott thanks the listeners for their support and highlights the importance of industrial professionals in solving today's problems. Scott introduces Curtis Sutherland from Tab Bank, emphasizing the need for capital and financing in the industrial renaissance. Scott discusses the development of an Industrial News Network to provide fast and trusted information about the market. Curtis Sutherland's Background and Role at Tab Bank Curtis Sutherland introduces himself as the head of business development at Tab Bank, a commercial bank started in 1998 in Utah. Curtis shares his background, starting in computer programming and transitioning to business development over 20 years. Curtis explains Tab Bank's model, focusing on lending to small to medium-sized companies and being a virtual bank with a headquarters in Ogden. Curtis highlights the benefits of being a virtual bank, such as lower overhead costs and the ability to serve customers nationwide. Challenges and Opportunities of Being a Virtual Bank Scott and Curtis discuss the challenges of deposit gathering for virtual banks and the importance of a good deposit strategy. Curtis explains how Tab Bank has been successful in deposit gathering and the benefits of being a virtual bank. Scott and Curtis talk about the flexibility of Tab Bank in understanding the needs of businesses across the United States. Curtis describes the role of business development officers in specific regions and their importance in understanding local market needs. Impact of Tariffs and Manufacturing Trends Scott and Curtis discuss the impact of tariffs on manufacturing and the need for capital to reposition and build up inventory. Curtis explains how Tab Bank helps companies release working capital locked up in inventory and provides financing programs. Scott and Curtis talk about the uncertainty in the market and the optimism among companies despite the challenges....

    Medium Popcorn
    Independent Fridays: Liquor Bank

    Medium Popcorn

    Play Episode Listen Later Jul 25, 2025 22:58


    Support the podcast by subscribing to our Patreon to get access to hundreds of hours of bonus content, early access to upcoming episodes, and the ability to chat with the hosts! www.patreon.com/mediumpopcorn    OR you can support us with a one-time donation via Ko-Fi at https://ko-fi.com/mediumpopcornpodcast   Brandon and Justin bring back Independent Fridays to review director Marcellus Cox's short film, "Liquor Bank" based on a true story about an Ex-Marine who relapses missing his 1-year sobriety anniversary party at his AA meeting group.   Leave us a voice message to share your thoughts and/or movie suggestions at (347) 464-8214   MP Links: - patreon.com/mediumpopcorn   - youtube.com/@MediumPopcornPodcast   - https://www.teepublic.com/stores/medium-popcorn   Hosts: Brandon Collins Justin Brown Medium Popcorn Podcast   "Medium Popcorn" is a production of Casa de Collins LLC.    Special thanks as always to our producer Lluvia Gilliam. 

    Live Greatly
    Reframing Your Internal Story: 2 Minutes of Motivation

    Live Greatly

    Play Episode Listen Later Jul 25, 2025 4:42


    In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares some ideas to support more empowering beliefs about yourself.  Tune in now! Explore Having Kristel Bauer speak at your next event or team meeting. https://www.livegreatly.co/contact  Order Kristel's Book  Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to “Live Greatly” while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Buy Kristel Bauer's book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

    Thinking Crypto Interviews & News
    HUGE LIQUIDITY IS BUILDING FOR BITCOIN & ALTCOINS! FRANKLIN TEMPLETON VECHAIN!

    Thinking Crypto Interviews & News

    Play Episode Listen Later Jul 25, 2025 17:21


    Crypto News: Bitcoin and Altcoins will continue to follow global liquidity. Tether USDT supply increases. Franklin Templeton to bring BENJI platform to VeChain for enterprise payments. Show Sponsor -

    The Alec Lewis Show
    Paul Charchian talks sneakiest fantasy football pick in NFL, J.J. McCarthy and Jeff Okudah: Ep. 99 | Presented by First Resource Bank

    The Alec Lewis Show

    Play Episode Listen Later Jul 25, 2025 43:36


    Paul Charchian, the director of Guillotine Leagues at Fantasy Life and host of the Fantasy Football Weekly podcast, joins The Alec Lewis Show to talk Vikings. They begin with his sneakiest fantasy football pick in the NFL, which is a Minnesota Vikings player. They also talk about J.J. McCarthy's first couple of days at training camp, Jeff Okudah's cornerback opportunity, the backup QB situation with Sam Howell and more. This show is presented by First Resource Bank, which serves the needs of small businesses, entrepreneurs, and individuals in the Twin Cities and surrounding areas. For more information, here is their website: https://myfrbank.com/ And here is a link to all of their locations! https://myfrbank.com/locations-hours/

    Darren, Daunic and Chase
    28: Hour 3: Louis Riddick rerun, Cam Ward needing to be on the bench? and Take it to the Bank (7-25-25)

    Darren, Daunic and Chase

    Play Episode Listen Later Jul 25, 2025 43:51


    The MUFG Global Markets Podcast
    Will the BoJ policy update provide trigger for a JPY rebound?

    The MUFG Global Markets Podcast

    Play Episode Listen Later Jul 25, 2025 8:30


    Lee Hardman, Senior Currency Analyst, sits down with Simon Mayes, Head of Corporate Sales for the UK, Ireland, and Switzerland (FX), to explore the outlook for the Japanese yen following Japan's Upper House election and the recent US-Japan trade agreement. With a potential policy shift on the horizon, could a hawkish Bank of Japan stance in the coming week give the JPY a boost?

    BofA Global Research Podcasts
    NATO, Golden Dome among the positive thrusts for US defense

    BofA Global Research Podcasts

    Play Episode Listen Later Jul 25, 2025 20:18


    Several positives for US defense but FY26 a tough comp Defense spending growth in the US and Europe is accelerating. The shift is particularly acute in Europe, where NATO allies had been spending between 1.5% to 2% of GDP on defense equipment but agreed in late June to spend 3.5% by 2035 (5% including other national security spend). Stocks of the European defense contractors have performed well this year as the market begins to anticipate this stronger spend and Ron Epstein addresses to what degree this spending will flow to US defense contractors, given Europe has an interest in boosting the domestic defense industry. Certain programs, like the F-35 fighter jet, could take a decade or more to replace should Europe be interested in their own program, while others could be replaced more quickly and this is a reason why US contractors could lose share of Europe spend with time. Ron also addresses the role that drones could play, implications for higher-end defense equipment, whether F27 is poised to be a down year for US defense spending and the new and existing equipment that could be demanded by the US' Golden Dome.   You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.

    The Tom Woods Show
    Ep. 2671 The Fracturing of MAGA

    The Tom Woods Show

    Play Episode Listen Later Jul 24, 2025 48:41


    Liberty Lockdown's Clint Russell on why we rarely get investigations of important things, the execrable Mark Levin, and the precarious political future of J.D. Vance. Sponsors: Agorist Tax Advice: Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: AgoristTaxAdvice.com/woods  Bank on Yourself Guest's Twitter: @LibertyLockPod Show notes for Ep. 2671

    Rover's Morning Glory
    THURS PT 4: Duji was ignoring text messages from her bank

    Rover's Morning Glory

    Play Episode Listen Later Jul 24, 2025 50:34


    Texas father, Derek Huffman who moved to Russia with his family, has been sent to the frontlines of the war with Ukraine. Duji was ignoring text messages from her bank.See omnystudio.com/listener for privacy information.

    Rover's Morning Glory
    THURS FULL SHOW: Did JLR ask Tomas any questions about his trip, Krystle was pulled over in barely any clothes, and Duji has mystery charges on her bank card

    Rover's Morning Glory

    Play Episode Listen Later Jul 24, 2025 186:53


    Rover slept all day long. JLR is bandaged up. Why doesn't Krystle's daughter live with her? Did Jeffrey ask his son any questions about his trip? Doctors in Colorado were playing musical bingo during a routine surgery which led to a man's death. Hierarchy in the medical field. Rover does not like Uber's latest feature that allows a woman to select what gender driver they want to pick them up. Southpark dropped a new episode. Krystle was pulled over in a negligee. Charlie would play strip padiddle. Texas father, Derek Huffman who moved to Russia with his family, has been sent to the frontlines of the war with Ukraine. Duji was ignoring text messages from her bank.See omnystudio.com/listener for privacy information.

    Rover's Morning Glory
    THURS FULL SHOW: Did JLR ask Tomas any questions about his trip, Krystle was pulled over in barely any clothes, and Duji has mystery charges on her bank card

    Rover's Morning Glory

    Play Episode Listen Later Jul 24, 2025 191:56


    Rover slept all day long. JLR is bandaged up. Why doesn't Krystle's daughter live with her? Did Jeffrey ask his son any questions about his trip? Doctors in Colorado were playing musical bingo during a routine surgery which led to a man's death. Hierarchy in the medical field. Rover does not like Uber's latest feature that allows a woman to select what gender driver they want to pick them up. Southpark dropped a new episode. Krystle was pulled over in a negligee. Charlie would play strip padiddle. Texas father, Derek Huffman who moved to Russia with his family, has been sent to the frontlines of the war with Ukraine. Duji was ignoring text messages from her bank.

    Rover's Morning Glory
    THURS PT 4: Duji was ignoring text messages from her bank

    Rover's Morning Glory

    Play Episode Listen Later Jul 24, 2025 50:24


    Texas father, Derek Huffman who moved to Russia with his family, has been sent to the frontlines of the war with Ukraine. Duji was ignoring text messages from her bank.

    Greg & The Morning Buzz
    TALK BACK-NEWBURYPORT BANK. 7/24

    Greg & The Morning Buzz

    Play Episode Listen Later Jul 24, 2025 9:12


    What do you gotta say today?

    On the Balance Sheet™
    "This Is Your Bank” with Hal Horvat – Centreville Bank (RI)

    On the Balance Sheet™

    Play Episode Listen Later Jul 24, 2025 31:09 Transcription Available


    In this episode, Hal Horvat, President & CEO of Centreville Bank ($3 billion mutual savings bank in Rhode Island), joins Vin, Zach and DCG colleague Justin Bakst. The foursome delves into why Hal never intended to have a career in banking, relationship-focused loan and deposit growth, making a nearly 200-year-old bank an "employer of choice," and how Centerville successfully partnered with professional soccer team Rhode Island Football Club.For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    Rugby on Off The Ball
    Rugby Daily | Will Genia on 'world-class' Gibson-Park, Ringrose withdraws from 2nd test

    Rugby on Off The Ball

    Play Episode Listen Later Jul 24, 2025 10:54


    Welcome to Thursday's Rugby Daily, with Cameron Hill.Coming up, the Lions and Wallabies name their sides for the second test at the MCG on Saturday, with Garry Ringrose ruling himself out of selection.Alan Quinlan expects a stronger showing from the Australians this weekend,And Wallabies legend Will Genia picks Jamison Gibson-Park as the best scrum-half in the world right now.Rugby on Off The Ball with Bank of Ireland | #NeverStopCompeting

    The Alec Lewis Show
    We're back! Sights and sounds from the first day of Vikings training camp: Ep. 98 | Presented by First Resource Bank

    The Alec Lewis Show

    Play Episode Listen Later Jul 24, 2025 36:50


    Alec Lewis, the Minnesota Vikings beat writer at The Athletic, gives some sights and sounds from the first day of training camp. He talks about J.J. McCarthy's professional showing, the backup quarterbacks, Josh Metellus's contract, Dallas Turner's frame and more. TThis show is presented by First Resource Bank, which serves the needs of small businesses, entrepreneurs, and individuals in the Twin Cities and surrounding areas. For more information, here is their website: https://myfrbank.com/ And here is a link to all of their locations! https://myfrbank.com/locations-hours/ Also, GIVEAWAY details: — Follow @AlecLewisShow on Instagram & X: https://www.instagram.com/aleclewisshow/ — Subscribe to YouTube channel — Like this post: https://x.com/alec_lewis/status/1937192647149383771

    Secure Freedom Minute
    Concerned About Chinese AI? Stop Underwriting It

    Secure Freedom Minute

    Play Episode Listen Later Jul 24, 2025 0:55


    Yesterday, President Trump signed a slew of executive orders intended to assure U.S. leadership in artificial intelligence.  In the interest of competing with Communist China's aggressive pursuit of AI superiority, however, safeguards and oversight aimed at preventing “FrankenAI” from transforming us into a CCP-like“digital gulag” are being given short shrift.  Another, less fraught way to keep us ahead of the Chinese Communists would be to stop their underwriting by Wall Street. House China Committee Chairman John Moolenaar has just subpoenaed two of the worst malefactors – Jamie Dimon of JPMorgan and Brian Moynihan of Bank of America – in connection with their recent fundraising for a Chinese military company called CATL.   You don't need much intelligence to recognize, as President Trump did in his as-yet-unimplemented “America First Investment Policy,” that we have to stop funding the Chinese Communist Party.  This is Frank Gaffney.

    Founder Spotlight
    The Pioneer of Fintech: How Mitch Caplan Built the First Branchless Bank and Transformed E‑Trade into a Digital Powerhouse

    Founder Spotlight

    Play Episode Listen Later Jul 24, 2025 55:40


    Mitch Caplan brings over 30 years of experience leading innovation across the financial‑services industry. He co-founded Telebanc, the first branchless bank in the U.S., and scaled it from $50 M to $5 B in assets before striking a $1.8 B sale to E‑Trade that was negotiated and announced in just nine days. The deal formally closed the following January. He then served as CEO of E‑Trade, cutting $1 B in costs, and building one of the first fully integrated online financial platforms. Caplan later served as CEO of Jefferson National, where he launched a tech‑enabled, low‑cost tax‑deferred investment platform that was ultimately acquired by Nationwide. Today, he is President of Tarsadia, a $2 B+ investment firm where he oversees strategy and investments across fintech, healthcare, technology, and real estate. Most recently, he was named interim CEO of Yieldstreet, where he also serves as Chairman of the Board. Mitch has been a 3i Member since 2023. In this episode: • How Mitch built the first branchless bank, and why it worked when regulators said it wouldn't • The story behind the $1.8 B E‑Trade deal, and how it was negotiated and announced in just nine days • Why most fintechs fail, and what Mitch looks for in companies built to last Learn more about 3i Members at 3imembers.com and follow us on LinkedIn for updates.

    Viewsroom
    Wall Street bank boom is defying gravity

    Viewsroom

    Play Episode Listen Later Jul 24, 2025 27:04


    Goldman Sachs, JPMorgan and Morgan Stanley all released results in recent weeks. In this Viewsroom podcast, Breakingviews columnists explain why, despite looming tariffs and stubborn inflation, these lenders appear to be firing on all cylinders – but also why it may not last. Visit the Thomson Reuters Privacy Statement for information on our privacy and data protection practices. You may also visit megaphone.fm/adchoices to opt-out of targeted advertising.   Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Create Your Own Life Show
    Is the City of London Secretly Running the World?

    The Create Your Own Life Show

    Play Episode Listen Later Jul 23, 2025 14:53


    Is the City of London secretly running the world? In this insightful episode of the Jeremy Ryan Slate Show, we take a deep dive into the fascinating history, power, and influence of this tiny yet mighty financial hub. Known as the Square Mile, the City of London has shaped global finance for centuries, from its roots in Roman trading to becoming the nerve center of modern banking. But how much control does it really hold today?Join us as we explore its unique status as a city within a city, uncover the role of key players like the Bank of England and the Rothschilds, and critically examine the theories surrounding its far-reaching impact on politics, trade, and global economies. From the Big Bang of 1986 to its influence over international markets, we connect the dots to reveal whether this powerhouse is simply a financial giant or something much deeper.This is a must-watch for anyone interested in finance, sovereignty, and the future of global economies. Don't miss this unique perspective on how the City of London may shape your mortgage rates, investments, and even world events. What do you think? Is the City of London pulling the strings behind the scenes, or is it just a smart player in a complex game? Join the conversation by dropping your thoughts in the comments! Don't forget to like, subscribe, and hit the notification bell for more critical examinations of the forces shaping our world. Follow me on X at @JeremyRyanSlate, and let's keep questioning the status quo together!#financialmanagement #financiallandscape #financialeducation #investmentbanking #thecity___________________________________________________________________________⇩ SUPPORT OUR SPONSORS ⇩BRAVE TV HEALTH: Parasites are one of the main reasons that so many of our health problems happen! Guess what? They're more active around the full moon. That's why friend of the Show, Dr. Jason Dean, developed the Full Moon Parasite Protocol. Get 15% off now by using our link: https://bravetv.store/JRSCOMMAND YOUR BRAND: Legacy Media is dying, we fight for the free speech of our clients by placing them on top-rated podcasts as guests. We also have the go-to podcast production team. We are your premier podcast agency. Book a call with our team https://www.commandyourbrand.com/book-a-call MY PILLOW: By FAR one of my favorite products I own for the best night's sleep in the world, unless my four year old jumps on my, the My Pillow. Get up to 66% off select products, including the My Pillow Classic or the new My Pillow 2.0, go to https://www.mypillow.com/cyol or use PROMO CODE: CYOL________________________________________________________________⇩ GET MY BEST SELLING BOOK ⇩Unremarkable to Extraordinary: Ignite Your Passion to Go From Passive Observer to Creator of Your Own Lifehttps://getextraordinarybook.com/________________________________________________________________DOWNLOAD AUDIO PODCAST & GIVE A 5 STAR RATING!:APPLE: https://podcasts.apple.com/us/podcast/the-create-your-own-life-show/id1059619918SPOTIFY: https://open.spotify.com/show/5UFFtmJqBUJHTU6iFch3QU(also available Google Podcasts & wherever else podcasts are streamed_________________________________________________________________⇩ SOCIAL MEDIA ⇩➤ X: https://twitter.com/jeremyryanslate➤ INSTAGRAM https://www.instagram.com/jeremyryanslate➤ FACEBOOK: https://www.facebook.com/jeremyryanslate_________________________________________________________________➤ CONTACT: JEREMY@COMMANDYOURBRAND.COM

    Caught Offside
    Caught Offside: MLS at the All-Star Break & Liverpool Break Their Transfer Bank

    Caught Offside

    Play Episode Listen Later Jul 22, 2025 68:27


    MLS has reached its All-Star break and the boys have some thoughts! We'll tell you some of our biggest takeaways from the first half of the season, we'll tell you why the MVP race isn't really a race and we'll tell you what we're most excited about in the 2nd half. Then, we set our sights on England and the massive money move Liverpool just made for Hugo Ekitike as well as the massive money move Manchester United just made for Bryan Mbeumo. And finally, could Gio Reyna finally be headed out of Dortmund and is Josh Sargent about to resuscitate his chances of making Poch's World Cup squad? All that and more!If you're looking for even more Caught Offside content, head on over to our premium channel, Caught Offside Plus!Just go to https://caughtoffside.supercast.com to sign up! Once you have access to the premium feed, be sure to go back and check out our special "welcome episode" from June 24th, 2024 (we don't think you'll be disappointed)!And for all the latest merch, get over to https://caughtoffsidepod.com/---Reddit: https://www.reddit.com/r/CaughtOffsidePod/X: https://twitter.com/COsoccerpodInstagram: https://www.instagram.com/caughtoffsidepod/Email: CaughtOffsidePod@gmail.comYoutube: https://www.youtube.com/@caughtoffsidepod Hosted on Acast. See acast.com/privacy for more information.

    Frequent Miler on the Air
    Do you lose your points when you cancel your credit card? | Coffee Break Ep64 | 7-22-25

    Frequent Miler on the Air

    Play Episode Listen Later Jul 22, 2025 17:38


    Today, we'll talk about how to make sure you don't lose your points when you cancel a credit card. Since this varies by bank or points-type, we'll discuss tips for each situation.Do you lose your points when you cancel your credit card?(00:37) - Airline and Hotel cards... no, you won't lose your points.(02:32) - Bank cards... yes, you could lose your points.(03:48) - Chase solutions(06:10) - Amex solutions(09:27) - Citi's weird rules(12:17) - Capital One solutions(16:06) - Quick summaryVisit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – Beach Walk by Unicorn Heads

    Rick Wilson's The Enemies List
    Breaking the Duopoly or Breaking the Bank? Elon's "America Party" Experiment | Enemies List

    Rick Wilson's The Enemies List

    Play Episode Listen Later Jul 21, 2025 12:45


    Elon Musk jumping into the third-party game? Buckle up. Building a party from scratch is a brutal, Kafkaesque nightmare, and the duopoly hates it. Yeah, he's got money—big money—but money alone won't save him from the legal jungle and political vultures circling. If Musk does this right, it could seriously screw up the GOP and maybe mess with the Dems too. If he does it wrong? Well, he'll just flush a fortune down the drain with a bunch of clowns running around. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices