Podcasts about Bank

Originally Aired September of 2021Michael Gross joins the show to talk about Monday Night Raw that aired September 13th, 2021 including Big E cashing in his Money in the Bank briefcase on Bobby Lashley, Alexa Bliss's gift to Charlotte,Become a supporter of this podcast: https://www.spreaker.com/podcast/the-wwe-podcast--2187791/support.

So what do you gotta say today? What is wrong with him?

331: 3 Keys to Great Nonprofit Leadership (Dianne Chipps Bailey)SUMMARYSpecial thanks to Armstrong McGuire for bringing these conversations to life, and for their commitment to strengthening leadership throughout nonprofit organizations. Learn more about how they can help you at ArmstrongMcGuire.com. What does it take to lead with purpose and longevity in today's nonprofit sector? In episode 331 of Your Path to Nonprofit Leadership, Dianne Chipps Bailey shares three essential practices for sustaining strong leadership: diversifying revenue beyond institutional funders, building authentic board engagement rooted in trust and structure, and prioritizing self-care for long-term impact. Drawing from her legal and philanthropic background, Dianne outlines how nonprofit leaders can unlock transformational gifts from individuals and families, advocate for employment agreements and sabbaticals, and model healthy leadership habits. She also emphasizes the growing power of women in philanthropy and the importance of creating a personal board of advisors. ABOUT DIANNEDianne Chipps Bailey is Managing Director and National Philanthropic Strategy Executive for Philanthropic Solutions at Bank of America Private Bank. Dianne and her team deliver customized consulting and advisory services on topics including strategic visioning, mission advancement, high-impact grant making, leadership development, governance and board dynamics. Her professional passion is empowering donors and nonprofit leaders to create meaningful and enduring change. She enjoys sharing what she's learned about best practices and trends in philanthropy. Her insights have been featured in Axios, Barron's, Business Insider, Fortune, The Washington Post and The New York Times, among other publications. She has served on and led many nonprofit boards and is a passionate advocate for women's leadership, currently serving as chair of the Women's Philanthropy Institute national council.EPISODE TOPICS & RESOURCESReady for your next leadership opportunity? Visit our partners at Armstrong McGuireThe Book of Joy by the Dalai Lama and Desmond TutuJoin a Giving Circle with Philanthropy TogetherWant to chat leadership 24/7?  Go to delphi.ai/pattonmcdowellHave you gotten Patton's book Your Path to Nonprofit Leadership: Seven Keys to Advancing Your Career in the Philanthropic Sector – Now available on AudibleDon't miss our weekly Thursday Leadership Lens for the latest on nonprofit leadership

Shipwrecks captivate our imagination, and are the subject of many books, academic papers, and movies—from the world-famous Titanic, to sunken World War II warships, to ancient fishing canoes. Some describe them as time capsules of our maritime history, waiting to be discovered and opened.But there's a group of people who are drawn to shipwrecks for very different reasons, and it sometimes leads to the demise of the wrecks themselves: fishermen.In this episode, why archaeologists and fishermen have sometimes been at odds over shipwrecks, and the federal government program that's bringing them together under one common cause.Featuring Ben Roberts, Mike Bailey, Tom Hill, Calvin Meyers, and Ben Haskell.Produced by Felix Poon. For full credits and transcript, visit outsideinradio.org. SUPPORTOutside/In is made possible with listener support. Click here to become a sustaining member of Outside/In. Follow Outside/In on Instagram or join our private discussion group on Facebook. LINKSLearn more about the many known shipwrecks of Stellwagen Bank, including the Portland, known as “New England's Titanic.”Check out some of the other research projects at Stellwagen Bank on topics as varied as whales, sand lances, and seabirds.

Have you ever wondered why, despite following conventional financial advice, true wealth seems elusive? Doug Peacock, founder of Peacock Wealth Group and former football coach, reveals a financial strategy that banks have been using for centuries but rarely share with the public.After watching his retirement savings crumble in 2008, Peacock discovered what he calls the "broken American financial system" – a game designed for us to lose while institutions profit. His solution? Creating a personal "storehouse" through specially structured whole life insurance policies that provide guaranteed growth, tax-free accumulation, unlimited access without penalties, and protection from creditors and the IRS.The most fascinating aspect of Peacock's approach is how it mirrors banking strategies. He explains that Bank of America holds $22 billion in cash value life insurance as a Tier 1 asset. By implementing similar principles, individuals can create their own "family banking system" to finance purchases from cars to education to business equipment, then pay themselves back on their own terms instead of enriching financial institutions.Unlike traditional retirement accounts that lock your money away until 59½, this strategy provides lifetime access without government restrictions. "90% of America saves money in a place that we can't get to till 59 and a half," Peacock notes, which makes little sense when life's major expenses happen decades earlier. He's helped clients across the economic spectrum implement this approach, from single mothers to high-net-worth individuals, typically recommending around $500 monthly as a starting point.Peacock's passion stems from helping his former football players escape student loan debt. Their success led to helping their parents, which evolved into a mission to educate everyday Americans about financial strategies previously reserved for the wealthy. Ready to take control of your financial future? Visit peacockwealthgroup.com to learn how you can become your own banker and build wealth outside Wall Street's game.Join the What if it Did Work movement on FacebookGet the Book!www.omarmedrano.comwww.calendly.com/omarmedrano/15min

New Pixel phones and products were announced at the 2025 Made by Google event. But people aren't talking about the phones as much as the format and celebrity overload. After spending a lot of money, is Meta changing their mind on AI already? Subscriptions keep getting more expensive, and according to Google, AI is getting more efficient. That and so much more, all to help you tech better! Watch on YouTube! - Notnerd.com and Notpicks.com INTRO (00:00) FOLLOW-UP: Dave Mint Mobile follow-up (03:40) Meta freezes AI hiring after blockbustor spending spree (05:25) Google to provide Gemini AI tools to federal agencies for 47 cents (06:15) Apple Event - September 9th, 2025 (07:10) MAIN TOPIC: Everything announced at Made by Google 2025: Pixel 10, Pixel Watch 4, & more (10:50) Watch the cringy event Google signs Stephen Curry to pitch its Pixel, health, and AI gear DAVE'S PRO-TIP OF THE WEEK:  Breezing through tens of thousands of photos on iOS (17:50) JUST THE HEADLINES: (22:50) HBO launches new Harry Potter immersive environment on Apple Vision Pro Most air cleaning devices have not been tested on people Serbian scientists experiment with mealworms to degrade polystyrene Solar panels in space ‘could provide 80% of Europe's renewable energy by 2050' Bank forced to rehire workers after lying about chatbot productivity, union says Nvidia's new ‘Robot Brain' goes on sale US Space Force's secretive X-37B space plane will test quantum alternative to GPS navigation LISTENER MAIL: Wes - Tesla/EVs depreciation - value/technology (27:05) TAKES: Apple TV+ subscription price increasing to $12.99 per month from today (33:35) Google says it dropped the energy cost of AI queries by 33x in one year (35:45) Oregon man accused of operating one of the most powerful attack ‘botnets' ever seen (37:25) BONUS ODD TAKE: Dodge This (40:35) PICKS OF THE WEEK:  Dave:  Ambient Weather WS-2902 WiFi Smart Weather Station (43:05) Nate: TP-Link AC1200 WiFi Extender, 2025 Wirecutter Best WiFi Extender, 1.2Gbps Home Signal Booster, Dual Band 5GHz/2.4GHz, Up to 1600 Sq.ft and 32 Devices, EasyMesh Compatible, One Ethernet Port (RE315) (51:25) RAMAZON PURCHASE OF THE WEEK (55:35)

This week we are delighted to welcome Betty Jiang, Managing Director of U.S. Integrateds and E&P Equity Research at Barclays. Betty joined Barclays in 2023 after leading the U.S. ESG Research team at Credit Suisse and has more than 15 years of equity research experience, with prior roles at UBS, Illuminate Capital Group, and Bank of America. We were thrilled to hear Betty's insights on what's top of mind for investors, key themes from earnings, and a preview of Barclays' upcoming 39th Annual Energy-Power Conference, taking place next week from September 2-4 in New York. In our conversation, Betty shares why she finds energy research compelling and reflects on the interesting timing of her career, beginning in 2007 during the shale boom years. She explains how her experience in ESG and sustainability broadened her analytical skills and highlighted the complexity of the energy transition. We discuss the value of cross-sector research collaboration and Betty outlines key takeaways from Q2 earnings, including significant increases in free cash flow, shale resilience, a long-term bullish gas production outlook, and a market focus on efficiency and free cash flow discipline. We explore the intersection of gas and power demand and how factors like regional grid dynamics and AI are shaping the sector, the continuing need for baseload power, reluctance in adopting low-carbon gas, the importance of strategic positioning and capability for companies seeking exposure in power markets, and gas price and production outlook. Betty provides an insider perspective on how she navigates earnings season, noting how AI and research tools are increasingly shaping how research is consumed and analyzed, while emphasizing that AI cannot replace deep analysis essential for understanding nuance, context, and cross-company trends. We discuss the tension between short-term shareholder expectations and long-term strategic initiatives, emphasizing the importance of a clear “North Star” and consistent communication. Betty notes that energy sector investors vary widely, and while the E&P sector is generally out of favor with generalists, sustained capital discipline, cash returns, and demonstrated resilience are attracting renewed interest. We touch on the challenge of differentiation in energy companies and how thoughtful execution and innovative approaches can create competitive advantages, the key themes for Barclays' upcoming conference with over 170 companies currently registered to attend, how efficiency gains and current free cash flow could influence 2026 outlooks, and more. It was a fantastic discussion and we greatly appreciate Betty for sharing her time and insights. To start the show, Mike Bradley noted that last week's COBT theme was investor “anticipation” of the Jackson Hole meeting, while this week it's investor “expectations” around NVIDIA's Q2 results/forward guidance. On the broader equity front, the S&P 500 hit another high last week but traded sideways this week ahead of NVIDIA's Q2 results. NVIDIA expectations are pretty bullish, with most expecting a beat-and-raise quarter, and the only real question at this point is whether NVIDIA's forward outlook will be bullish enough to satisfy investors. At a $4.4 trillion market cap, larger than all but three countries' GDP, NVIDIA's AI commentary and forward guidance will be a market mover. On the crude oil market front, WTI price continues to trade sideways (low-mid $60s) amid continued 2H25 global oil surplus concerns that are being somewhat offset by lack of headway in Russian/Ukrainian peace (leading to possible stiff oil sanctions). On the natural gas front, U.S. natural gas price (prompt & 12mo strip) were trading at ~$2.70/MMBtu & ~$3.50/MMBtu (YTD lows). Investor sentiment is still more bullish for natural gas E&Ps, even though prompt natural gas price has significantly underperformed prompt WTI price this year. Mike also highlighted a

On this episode of the ABA Fraudcast, we dive into how the Internet works — and why it's so easy for criminals to create fake bank websites. We'll explore how these sites get taken down and what banks can do to combat this growing threat. Our guest, Craig Schwartz of fTLD Registry Services, breaks down the key differences between traditional .com domains and the more secure .bank domain — a top-level domain created by a consortium led by the American Bankers Association and other partners specifically to reduce fraud. Schwartz explains the rigorous security measures behind .bank, including a comprehensive vetting process that keeps bad actors out and ongoing verification to maintain trust. Want to learn more about the benefits of .bank? Visit aba.com/dotbank.  

Chuck Zodda and Marc Fandetti discuss Fed bank presidents face risk of removal on Trump's maneuvers. Will the Fed lose its independence? India braces for the pain of Trump's stiff tariffs. Todd Lutsky joins the show for his weekly segment, Ask Todd.

When it comes to stocks, TheoTrade's Don Kaufman offers bearish example options trades. He explains his bear case behind Bank of America (BAC) and eBay Inc. (EBAY). However, Don has more of a bullish thesis in the iShares Silver Trust ETF (SLV). Kevin Green gives his technical analysis into today's Big 3.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The Secret History of Gold comes out this week. Here for your viewing pleasure is a fim about gold based on the first chapter.“Gold will be slave or master”HoraceIn 2021, a metal detectorist with the eyebrow-raising name of Ole Ginnerup Schytz dug up a hoard of Viking gold in a field in Denmark. The gold was just as it was when it was buried 1,500 years before, if a little dirtier. The same goes for the jewellery unearthed at the Varna Necropolis in Bulgaria in 1972. The beads, bracelets, rings and necklaces are as good as when they were buried 6,700 years ago.In the Egyptian Museum in Cairo, there is a golden tooth bridge — a gold wire used to bind teeth and dental implants — made over 4,000 years ago. It could go in your mouth today.No other substance is as long-lasting as gold — not diamonds, not tungsten carbide, not boron nitride. Gold does not corrode; it does not tarnish or decay; it does not break down over time. This sets it apart from every other substance. Iron rusts, wood rots, silver tarnishes. Gold never changes. Left alone, it stays itself. And it never loses its shine — how about that?Despite its permanence, you can shape this enormously ductile metal into pretty much anything. An ounce of gold can be stretched into a wire 50 miles long or plate a copper wire 1,000 miles long. It can be beaten into a leaf just one atom thick. Yet there is one thing you cannot do and that is destroy it. Life may be temporary, but gold is permanent. It really is forever.This means that all the gold that has ever been mined, estimated to be 216,000 tonnes, still exists somewhere. Put together it would fit into a cube with 22-metre sides. Visualise a square building seven storeys high — and that would be all the gold ever.With some effort, you can dissolve gold in certain chemical solutions, alloy it with other metals, or even vaporise it. But the gold will always be there. It is theoretically possible to destroy gold through nuclear reactions and other such extreme methods, but in practical terms, gold is indestructible. It is the closest thing we have on earth to immortality.Perhaps that is why almost every ancient culture we know of associated gold with the eternal. The Egyptians believed the flesh of gods was made of gold, and that it gave you safe passage into the afterlife. In Greek myth, the Golden Apples of the Hesperides, which Hercules was sent to retrieve, conferred immortality on whoever ate them. The South Americans saw gold as the link between humanity and the cosmos. They were not far wrong.Gold was present in the dust that formed the solar system. It sits in the earth's crust today, just as it did when our planet was formed some 4.6 billion years ago. That little bit of gold you may be wearing on your finger or around your neck is actually older than the earth itself. In fact, it is older than the solar system. To touch gold is as close as you will ever come to touching eternity.And yet the world's most famous investor is not impressed.‘It gets dug out of the ground in Africa, or some place,' said Warren Buffett. ‘Then we melt it down, dig another hole, bury it again and pay people to stand around guarding it. It has no utility. Anyone watching from Mars would be scratching their head.'He's right. Gold does nothing. It does not even pay a yield. It just sits there inert. We use other metals to construct things, cut things or conduct things, but gold's industrial uses are minimal. It is a good conductor of electricity, but copper and silver are better and cheaper. It has some use in dentistry, medical applications and nanotechnology. It is finding more and more use in outer space — back whence it came — where it is used to coat spacecraft, astronauts' visors and heat shields. But, in the grand scheme of things, these uses are paltry.Gold's only purpose is to store and display prosperity. It is dense and tangible wealth: pure money.Though you may not realise it, we still use gold as money today. Not so much as a medium to exchange value but store it.In 1970, about 27 per cent of all the gold in the world was in the form of gold coinage and central bank or government reserves. Today, even with the gold standard long since dead, the percentage is about the same.The most powerful nation on earth, the United States, keeps 70 per cent of its foreign exchange holdings in gold. Its great rival, China, is both the world's largest producer and the world's largest importer. It has built up reserves that, as we shall discover, are likely as great as the USA's. If you buying gold or silver coins to protect yourself in these “interesting times” - and I urge you to - as always I recommend The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. More here.Ordinary people and institutions the world over use gold to store wealth. Across myriad cultures gold is gifted at landmark life events — births and weddings — because of its intrinsic value.In fact, gold's purchasing power has increased over the millennia, as human beings have grown more productive. The same ounce of gold said by economic historians to have bought King Nebuchadnezzar of Babylon 350 loaves of bread could buy you more than 1,000 loaves today. The same gold dinar (roughly 1/7 oz) that, in the time of the Koran in the seventh century, bought you a lamb would buy you three lambs today. Those same four or five aurei (1 oz) which bought you a fine linen tunic in ancient Rome would buy you considerably more clothing today.In 1972, 0.07 ounces of gold would buy you a barrel of oil. Here we are in 2024 and a barrel of oil costs 0.02 ounces of gold — it's significantly cheaper than it was fifty years ago.House prices, too, if you measure them in gold, have stayed constant. It is only when they are measured in fiat currency that they have appreciated so relentlessly (and destructively).In other words, an ounce of gold buys you as much, and sometimes more, food, clothing, energy and shelter as it did ten years ago, a hundred years ago or even thousands of years ago. As gold lasts, so does its purchasing power. You cannot say the same about modern national currencies.Rare and expensive to mine, the supply of gold is constrained. This is in stark contrast to modern money — electronic, debt-based fiat money to give it its full name — the supply of which multiplies every year as governments spend and borrowing balloons.As if by Natural Law, gold supply has increased at the same rate as the global population — roughly 2 per cent per annum. The population of the world has slightly more than doubled since 1850. So has gold supply. The correlation has held for centuries, except for one fifty-year period during the gold rushes of the late nineteenth century, when gold supply per capita increased.Gold has the added attraction of being beautiful. It shines and glistens and sparkles. It captivates and allures. The word ‘gold' derives from the Sanskrit ‘jval', meaning ‘to shine'. That's why we use it as jewellery — to show off our wealth and success, as well as to store it. Indeed, in nomadic prehistory, and still in parts of the world today, carrying your wealth on your person as jewellery was the safest way to keep it.The universe has given us this captivatingly beautiful, dense, inert, malleable, scarce, useless and permanent substance whose only use is to be money. To quote historian Peter Bernstein, ‘nothing is as useless and useful all at the same time'.But after thousands of years of gold being official money, in the early twentieth century there was a seismic shift. Neither the British, German nor French government had enough gold to pay for the First World War. They abandoned gold backing to print the money they needed. In the inter-war years, nations briefly attempted a return to gold standards, but they failed. The two prevailing monetary theories clashed: gold-backed versus state-issued currency. Gold standard advocates, such as Montagu Norman, Governor of the Bank of England, considered gold to be one of the key pillars of a free society along with property rights and habeas corpus. ‘We have gold because we cannot trust governments,' said President Herbert Hoover in 1933. This was a sentiment echoed by one of the founders of the London School of Economics, George Bernard Shaw — to whom I am grateful for demonstrating that it is possible to have a career as both a comedian and a financial writer. ‘You have to choose (as a voter),' he said, ‘between trusting to the natural stability of gold and the natural stability of the honesty and intelligence of the members of the Government… I advise you, as long as the Capitalist system lasts, to vote for gold.'On the other hand, many, such as economist John Maynard Keynes, advocated the idea of fiat currency to give government greater control over the economy and the ability to manipulate the money supply. Keynes put fixation with gold in the Freudian realms of sex and religion. The gold standard, he famously said after the First World War — and rightly, as it turned out — was ‘already a barbarous relic'. Freud himself related fascination with gold to the erotic fantasies and interests of early childhood.Needless to say, Keynes and fiat money prevailed. By the end of the 1930s, most of Europe had left the gold standard. The US followed, but not completely until 1971, in order to meet the ballooning costs of its welfare system and its war in Vietnam.But compare both gold's universality (everyone everywhere knows gold has value) and its purchasing power to national currencies and you have to wonder why we don't use it officially today. There is a very good reason: power.Sticking to the discipline of the gold standard means governments can't just create money or run deficits to the same extent. Instead, they have to rein in their spending, which they are not prepared to do, especially in the twenty-first century, when they make so many promises to win elections. Balanced books, let alone independent money, have become an impossibility. If you seek an answer as to why the state has grown so large in the West, look no further than our system of money. When one body in a society has the power to create money at no cost to itself, it is inevitable that that body will grow disproportionately large. So it is in the twenty-first century, where state spending in many social democracies is now not far off 50 per cent of GDP, sometimes higher.Many arguments about gold will quickly slide into a political argument about the role of government. It is a deeply political metal. Those who favour gold tend to favour small government, free markets and individual responsibility. I count myself in that camp. Those who dismiss it tend to favour large government and state planning.I have argued many times that money is the blood of a society. It must be healthy. So much starts with money: values, morals, behaviour, ambitions, manners, even family size. Money must be sound and true. At the moment it is neither. Gold, however, is both. ‘Because gold is honest money it is disliked by dishonest men,' said former Republican Congressman Ron Paul. As Dorothy is advised in The Wizard of Oz (which was, as we shall discover, part allegory), maybe the time has come to once again ‘follow the yellow brick road'.On the other hand, maybe the twilight of gold has arrived, as Niall Ferguson argued in his history of debt and money, The Cash Nexus. Gold's future, he said, is ‘mainly as jewellery' or ‘in parts of the world with primitive or unstable monetary and financial systems'. Gold may have been money for 5,000 years, or even 10,000 years, but so was the horse a means of transport, and then along came the motor car.A history of gold is inevitably a history of money, but it is also a history of greed, obsession and ambition. Gold is beautiful. Gold is compelling. It is wealth in its purest, most distilled form. ‘Gold is a child of Zeus,' runs the ancient Greek lyric. ‘Neither moth nor rust devoureth it; but the mind of man is devoured by this supreme possession.' Perhaps that's why Thomas Edison said gold was ‘an invention of Satan'. Wealth, and all the emotions that come with it, can do strange things to people.Gold has led people to do the most brilliant, the most brave, the most inventive, the most innovative and the most terrible things. ‘More men have been knocked off balance by gold than by love,' runs the saying, usually attributed to Benjamin Disraeli. Where gold is concerned, emotion, not logic, prevails. Even in today's markets it is a speculative asset whose price is driven by greed and fear, not by fundamental production numbers.Its gleam has drawn man across oceans, across continents and into the unknown. It lured Jason and the Argonauts, Alexander the Great, numerous Caesars, da Gama, Cortés, Pizarro and Raleigh. Brilliant new civilisations have emerged as a result of the quest for gold, yet so have slavery, war, deceit, death and devastation. Describing the gold mines of ancient Egypt, the historian Diodorus Siculus wrote, ‘there is absolutely no consideration nor relaxation for sick or maimed, for aged man or weak woman. All are forced to labour at their tasks until they die, worn out by misery amid their toil.' His description could apply to many an illegal mine in Africa today.The English critic John Ruskin told a story of a man who boarded a ship with all his money: a bag of gold coins. Several days into the voyage a terrible storm blew up. ‘Abandon ship!' came the cry. The man strapped his bag around his waist and jumped overboard, only to sink to the bottom of the sea. ‘Now,' asked Ruskin, ‘as he was sinking — had he the gold? Or had the gold him?'As the Chinese proverb goes, ‘The miser does not own the gold; the gold owns the miser.'Gold may be a dead metal. Inert, unchanging and lifeless. But its hold over humanity never relents. It has adorned us since before the dawn of civilisation and, as money, underpinned economies ever since. Desire for it has driven mankind forwards, the prime impulse for quest and conquest, for exploration and discovery. From its origins in the hearts of dying stars to its quiet presence today beneath the machinery of modern finance, gold has seen it all. How many secrets does this silent witness keep? This book tells the story of gold. It unveils the schemes, intrigues and forces that have shaped our world in the relentless pursuit of this ancient asset, which, even in this digital age, still wields immense power.That was Chapter One of The Secret History of Gold The Secret History of Gold is available to pre-order at Amazon, Waterstones and all good bookshops. I hear the audiobook, read by me, is excellent. The book comes out on August 28.Hurry! Amazon is currently offering 20% off.Until next time,Dominic This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

FRIENDS AND ENEMIESJoin us for some QUALITY Bitcoin and economics talk, with a Canadian focus, every Monday at 7 PM EST. The Knots vs Core drama is going to another level. Who is to blame? Jack Dorsey's new American made ASIC solution. Defending your home is a crime? Bank for International Settlements has no idea how to deal with bitcoin and so much more.From a couple of Canucks who like to talk about how Bitcoin will impact Canada. As always, none of the info is financial advice. Website: ⁠www.CanadianBitcoiners.com⁠Discord:   / discord   A part of the CBP Media Network: ⁠www.twitter.com/CBPMediaNetworkThis show is sponsored by: easyDNS - https://easydns.com EasyDNS is the best spot for Anycast DNS, domain name registrations, web and email services. They are fast, reliable and privacy focused. With DomainSure and EasyMail, you'll sleep soundly knowing your domain, email and information are private and protected. You can even pay for your services with Bitcoin! Apply coupon code 'CBPMEDIA' for 50% off initial purchase Bull Bitcoin - ⁠⁠https://mission.bullbitcoin.com/cbp⁠⁠ The CBP recommends Bull Bitcoin for all your BTC needs. There's never been a quicker, simpler, way to acquire Bitcoin. Use the link above for 25% off fees FOR LIFE, and start stacking today.256Heat -⁠ https://256heat.com/ ⁠GET PAID TO HEAT YOUR HOUSE with 256 Heat. Whether you're heating your home, garage, office or rental, use a 256Heat unit and get paid MORE BITCOIN than it costs to run the unit. Book a call with a hashrate heating consultant today.The Canadian Bitcoin Conference - https://canadianbitcoinconf.com/The PREMIER Bitcoin Conference, held annually in the great white North, where Bitcoiners come together to share stories, build momentum and have a great time while doing so. Whether your a pleb, business, newcomer or OG, the Canadian Bitcoin Conference wants to see you in Montreal, October 16-18 2025. Don't miss this one!

Re-Release:  On this episode of the Live Greatly podcast Kristel Bauer sits down with Amy Blankson, the Co-founder and Chief Evangelist of the Digital Wellness Institute and the bestselling author of The Future of Happiness.  Kristel and Amy discuss how phone usage and technology may be hijacking your attention and what to do about it.  Kristel and Amy talk about how to use technology in a way that promotes optimal mental health, well-being, happiness, healthy boundaries and more.  Tune in now! Key Takeaways from This Episode: How digitally well are you? Is technology hijacking your attention? How technology impacts our happiness and well-being How can you improve your relationship with your phone Some surprising statistitics around phone usage  Tips to promote happiness and well-being ABOUT AMY BLANKSON: Amy Blankson is the Co-founder and Chief Evangelist of the Digital Wellness Institute and the bestselling author of The Future of Happiness.  A graduate of Harvard and the Yale School of Management, she's the only person to receive a Point of Light award from two US Presidents.  She is also a member of the UN Global Happiness Council, a Fellow of the World Innovation Organization, a featured professor in Oprah's happiness e-course, and a regular contributor to Forbes.  Her current work focuses on how to cultivate happiness and well-being in the digital era.  Oh, and you might also know her as Amy the Unicorn, from her brother Shawn Achor's infamous TEDx talk on the science of happiness Website:  https://amyblankson.com/  Order the book, The Future of Happiness: https://amyblankson.com/book/the-future-of-happiness/  Social Media Links: LinkedIn: https://www.linkedin.com/in/amyblankson/  Instagram: https://www.instagram.com/amyblankson/  Twitter:  https://twitter.com/work_matters  Facebook: https://www.facebook.com/amy.blankson  Youtube: https://www.youtube.com/amyblankson  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  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.

We hear what you gotta say.

A new report, published yesterday, says Britain's gender pay gap has been understated for two decades, casting doubt on the accuracy of official figures. It's news that might have big implications for women in the workplace and policymakers, from the Bank of England to ministers, who rely on these figures to make big economic decisions. Alex Bryson is Professor of Quantitative Social Science at University College London and worked on this research and Amy Borrett is a data journalist at the Financial Times. They join Nuala McGovern to discuss.Have you heard of 'spicy' fiction? Now worth £53 million annually, it's a genre that's booming, with sales of romance fiction up 110% between 2023 and 2024 in the UK. And it's mainly women reading these erotic novels, giving them chilli ratings depending on the level of explicit content, and sharing their across Instagram and TikTok. So, what's driving this trend? Nuala is joined by author Emma Lucy, who writes spicy fiction, and Stylist journalist Shahed Ezaydi to find out more.If you've been watching any of the Women's Rugby World Cup you may have seen ‘high tech mouthguards being used. They will now flash red — signally potentially high impacts, requiring players to have a head injury assessment - a move aimed at improving player safety. So just how safe is it for women to play rugby? What are the risks of getting injured, and what is being done to mitigate those risks? We hear from Fi Tomas, women's sports reporter at the Telegraph, Dr Izzy Moore, reader in human movement and sports medicine at Cardiff Metropolitan University and Welsh Ruby Union injury surveillance project lead, and Dr Anna Stodter, senior lecturer in sport coaching at Leeds Beckett University, former Sottish International player, who also coaches the university team.With queues leading out of the shops and reports of thefts, we look at the lengths to which some women will go to get their hands on the latest style must-have, Labubu dolls.Presenter: Nuala McGovern Producer: Kirsty Starkey

What's on your mind? Let CX Passport know...Would your customer actually *pay* for the experience you've designed?In this *Greatest Hits* episode of CX Passport, Karyn Furstman brings 30+ years of CX and operations expertise to the mic. With a background at brands like Washington Mutual, Safeco, Bank of America, and JPMorgan Chase, Karyn knows how to link customer experience to tangible business results.Originally aired as Episode 203, this conversation stuck with listeners for its clarity on leadership alignment, Lean methodology, and the reality of CX influence, even without a seat at the C-suite table.CHAPTERS  00:00  The customer would pay for it  02:12  Lean and CX in harmony  05:25  CX belongs in operations  08:57  Avoiding the “initiative trap”  11:55  CX influence without formal authority  16:42  Orchestrating CX with or without a team  19:52  First Class Lounge  24:09  Tying CX to financial outcomes  27:16  Make the CFO your best friend  29:58  Why Karyn launched her consulting businessEpisode resources:  Connect with Karyn Furstman on LinkedIn: https://www.linkedin.com/in/karynfurstman  Learn more about Customers First: https://www.customersfirst.comIf you like CX Passport, I have 3 quick requests:✅ Subscribe to the CX Passport YouTube channel https://www.youtube.com/@cxpassport  ✅ Join other “CX travelers” with the weekly CX Passport newsletter https://cxpassport.kit.com/signup  ✅ Bring

Paul Allen, the host of 9-noon on KFAN and the voice of the Vikings, joins The Alec Lewis Show to give his thoughts on the Vikings' initial 53-man roster. They discuss Carson Wentz, Max Brosmer and the QB room. They talk about the Vikings UDFAs who made the team. They go over the Adam Thielen trade conversation, trading Mekhi Blackmon, cornerback depth 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/

Monologue: Schumann Resonance AOL Is No MoreJunk and SPAM Adult Sized Pacifiers Get Us In Trouble Death Of The Newspaper?Guest:John Garrett is the founder and CEO of Community Impact Newspapers, a hyperlocal news publishing company he launched in 2005 with his wife, Jennifer, out of their home in Pflugerville, Texas. A former Austin Business Journal advertising director, Garrett saw a void in community-focused journalism and created a model centered on mailing free, advertiser-supported newspapers directly to residents. Since then, he has grown Community Impact into a respected, award-winning media company spanning dozens of Texas markets, known for its deep coverage of local government, schools, business, and development, while remaining fiercely independent and committed to keeping citizens informed and engaged in their communities.  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!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...

In this episode of the All Things Sustainable podcast, we're talking to Helge Muenkel, Group Chief Sustainability Officer at Singapore's biggest bank, DBS.  The interview is the latest installment in our CSO Insights series, where we hear from Chief Sustainability Officers around the world about how they're navigating the evolving sustainability landscape.  "Big picture on climate action very specifically, the train has really left the station," Helge says of the bank's large corporate clients. "More and more customers are really seeing the transformation that is happening in our economies as a business imperative and are embracing it."  Helge explains how DBS integrates environmental and social factors into its sustainability strategy. He says climate financing continues to present big financing risks and opportunities, and points to an increasing focus on scaling blended finance.  Helge tells us that nature is also becoming an increasing focus for the bank — which echoes what we've heard from other sustainability leaders at Southeast Asian financial institutions in recent episodes. Listen to our interview with big Singapore-based bank UOB here: CSO Insights: How sustainability pullback is playing out in Southeast Asia  Listen to our interview with big Malaysia-based bank CIMB here: CSO Insights: How a big Malaysian bank balances climate, nature, human rights and economic inclusion  Listen to our interview with big Malaysian pension fund EPF here: Why one of Southeast Asia's largest pension funds is ‘doubling down' on sustainability  Hear our coverage of London Climate Action Week here: How these key summer events set the scene for COP30 in Brazil  Listen to our podcast episode: How sustainability professionals are weathering challenging times  Listen to our podcast episode where Aniket Shah, Managing Director and Global Head of the Sustainability and Transition Strategy team at Jefferies Group, explains why financial decision-makers need "data, not vibes" to drive their sustainability strategies: Connecting the dots between climate science and financial decisions  Read research from S&P Global Sustainable1 into corporate nature commitments here: Ahead of COP16, corporate nature commitments remain rare  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here. This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global DISCLAIMER By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights). This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.     S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Josh and John unpack the myth of digital-only banking, the psychology of physical presence, and why selective branching is a smarter strategy than going all-in or all-out. From digital disillusionment to strategic expansion, they break down what really drives trust and relevance in today's banking landscape. The post Episode 194 | The Branch Isn't Dead: What People Still Want From Their Bank appeared first on Marketing Money Podcast.

The Bank of England has just dropped the base rate from *4.25% to 4%*, and my inbox has been full of one big question:  

FRIENDS AND ENEMIESJoin us for some QUALITY Bitcoin and economics talk, with a Canadian focus, every Monday at 7 PM EST. The Knots vs Core drama is going to another level. Who is to blame? Jack Dorsey's new American made ASIC solution. Defending your home is a crime? Bank for International Settlements has no idea how to deal with bitcoin and so much more.From a couple of Canucks who like to talk about how Bitcoin will impact Canada. As always, none of the info is financial advice. Website: ⁠www.CanadianBitcoiners.com⁠Discord:   / discord   A part of the CBP Media Network: ⁠www.twitter.com/CBPMediaNetworkThis show is sponsored by: easyDNS - https://easydns.com EasyDNS is the best spot for Anycast DNS, domain name registrations, web and email services. They are fast, reliable and privacy focused. With DomainSure and EasyMail, you'll sleep soundly knowing your domain, email and information are private and protected. You can even pay for your services with Bitcoin! Apply coupon code 'CBPMEDIA' for 50% off initial purchase Bull Bitcoin - ⁠⁠https://mission.bullbitcoin.com/cbp⁠⁠ The CBP recommends Bull Bitcoin for all your BTC needs. There's never been a quicker, simpler, way to acquire Bitcoin. Use the link above for 25% off fees FOR LIFE, and start stacking today.256Heat -⁠ https://256heat.com/ ⁠GET PAID TO HEAT YOUR HOUSE with 256 Heat. Whether you're heating your home, garage, office or rental, use a 256Heat unit and get paid MORE BITCOIN than it costs to run the unit. Book a call with a hashrate heating consultant today.The Canadian Bitcoin Conference - https://canadianbitcoinconf.com/The PREMIER Bitcoin Conference, held annually in the great white North, where Bitcoiners come together to share stories, build momentum and have a great time while doing so. Whether your a pleb, business, newcomer or OG, the Canadian Bitcoin Conference wants to see you in Montreal, October 16-18 2025. Don't miss this one!

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dza...“You don't need to work longer, you just need a better plan.”⌚ Timestamps / Chapters0:00 – Introduction: Holding Too Much Cash? – Charles introduces the question: is your money sitting idly—and losing value?0:40 – The Comfort vs. Inflation Trap – Why that “feel-good” bank balance may actually be shrinking in real terms.0:59 – Real Yield After Taxes – The sting of a 33.3% total tax drag on interest income.1:33 – Tax-Deferred Alternatives: Multi-Year Annuities (MYA) – How these stacked deferrals can offer higher effective returns.2:55 – Balancing Liquidity and Risk – Strategically using annuities vs. keeping cash on hand.3:19 – Index Funds vs. Mutual Funds – Why ETFs and long-term holdings can be more tax-efficient than daily-rebalancing mutual funds.4:30 – Real Estate in the Mix – Considering rental properties like a SoCal triplex for diversification and tax benefits.5:17 – Emergency Fund Strategy – How much cash is truly necessary—6 to 8 months or more for remodels or renovations.5:51 – Working with a Fiduciary – Why specialized help matters, especially for federal employees.6:37 – Roth Contributions as an Alternative – Funding Roth IRAs or Roth TSPs for tax-free growth.7:10 – Leveraging Roth TSP/401(k) – The long-term benefits of Roth accounts for you and your heirs.7:44 – Wrap-Up & How to Reach Us – Learn more, schedule a call, and remember—it's not about working longer, it's about planning smarter.Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

10Y yields should fall if Fed more dovish than expected Leading up to Powell's speech at Jackson Hole, the market has priced in a high likelihood of a 25bp cut at the September FOMC meeting. The prospect of rate cuts has helped to lift homebuilding stocks and the group is up 16% since the end of June. But the 10Y Treasury yield is more relevant for homebuyers taking out fixed-rate or even adjustable-rate mortgages. So a key question is how Fed cuts, which should come--it's just a question of when--may impact long rates. And if rate cuts do result in lower 10Y Treasury yields, what does it mean for affordability. Mark Cabana believes that a very dovish Fed, even amidst a backdrop of higher than desired inflation, could still manage to push long rates lower. Rafe Jadrosich talks about affordability and regional housing dynamics, given that supply is above 2019 levels in Florida and Texas but well below levels from six years ago in the Northeast and Midwest.   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.  

Coffee away from home enjoying demographic tailwind Restaurants have faced some of the same sales challenges experienced elsewhere in the economy as chains more reliant on lower income consumers have felt more pressure than those with a higher income skew. Sara Senatore discusses the opportunity that inflation and a more selective consumer have created for fast casual and even casual dining. But dining preference shifts mean that fast casual tailwinds extend beyond price gaps. Sara talks about why she expects the category to continue to take share of restaurant spending. The Away-from-home coffee is a category continues to grow even though US per capita coffee consumption has been flat to down for decades. Sara discusses why demographics could keep this running. We also address immigration, labor shortages and restaurants use of AI.   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.

Bioptimizers https://Bioptimizers.com/toddEnter promo code TODD to get 15% off your order of Berberine Breakthrough today.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today. Angel Studios https://Angel.com/ToddJoin the Angel Guild today and stream Testament, a powerful new series featuring the retelling of the book of Acts. Renue Healthcare https://Renue.Healthcare/ToddRegister today to Join the Renue Healthcare Webinar Thursday September 11th at 11:00 PST.  Visit https://joinstemcelltalks.com or call 602-428-4000.  Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeMandami's Bench Press Disaster & Cracker Barrel's Destruction: These Are The SAME Stories. // Bill Gates Has a New Plan for Your Life. // Are You a Christian Supremacist?Episode links:LOL!  "Honestly, the feedback has been overwhelmingly positive." - Cracker Barrel CEO. Do they all lie?NEW: Socialist Zohran Mamdani shows off his muscles at Men's Day in Brooklyn, needs help from a spotter to bench 135 pounds. The 33-year-old was reluctant at first to get under the bar but gave in after being pressured by the locals.Bill Gates is back, not with a solution for the planet, but with a blueprint for control. He's assembled a cartel of the world's most powerful corporations—BlackRock, Microsoft, GM, Bank of America—under the green banner of his "Catalyst" fund.

Something has changed in China. Something big. Bank lending dropped sharply, more than it has. Fixed investment suddenly crashed. Retail sales contracted in a way China hasn't experienced since 2022's lockdowns. The usual economic and financial decay has been taken up a notch, if not two. So, naturally, Chinese stocks are soaring, one final negative signal. Yes, negative.Eurodollar University Money & Macro Analysis----------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: monetary-metals.com/snider----------------------------------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Bank holiday weekend! This week we're reflecting on a bunch of stuff, including some fun food questions that Gabby brings to the table and a recap of Mel's exciting Oasis story that was manifested RIGHT HERE on this podcast. So thanks for that everyone! And, hey! Did you know? The Making An Effort Podcast is a proud listener supported podcast! If you want access to bonus episodes, weekly episode commentary, community chat, and provide input, we'd love you to consider supporting us at www.patreon.com/makinganeffortpodcast

Chainlink just scored an INSANE new bank partnership, and it could change everything for the crypto market! While LINK gains real-world adoption, rumors are swirling that XRP may be getting abandoned by key players.

Show Summary: In this episode of Grow My Accounting Practice, we sit down with Najma Khan, Certified Profit First Professional and founder of Rocket to Profit. Najma shares how implementing Profit First from day one—before she even had consistent income—set the foundation for her business and her clients' success. She walks us through her calm, client-centered approach to introducing Profit First without overwhelming or “selling,” and how she reframes the most common resistance: opening multiple bank accounts. Najma also reveals the powerful emotional shift clients experience once they gain financial clarity, moving from stress and uncertainty to confidence and control. Finally, Najma explains why she sees profit as more than just numbers on a balance sheet—it's a tool for contribution. This belief has guided her in helping fund clean water projects in underdeveloped communities, showing that profit can truly change lives.   Website: www.cashflowclarity.com.au/cashflow Instagram:@rockettoprofit LinkedIn: http://linkedin.com/in/najmakhan   Corporate Partner:Pumpkin Plan Your Biz - https://pumpkinplanyourbiz.com/ Profit First App Version 2.0 is here!  More Education. More Functionality. More Profit!

Looking for a fresh take on ethics in the business world? In this insightful episode of Count Me In, host Adam Larson sits down with acclaimed professors and Curt Verschoor Feature of the Year authors Douglas Boyle, Daniel Haggerty, and Dana Hermanson. The trio brings their unique expertise—and plenty of real-world wisdom—to a lively conversation about what “virtue” really means in accounting, finance, and leadership. Daniel traces the roots of virtue all the way from Greek philosophy to modern business, showing why courage, strength, and excellence matter just as much today. Doug and Dana share practical examples from their teaching and research, exploring why business education often misses the mark on building character—and how professionals at any stage can start making ethical choices that go beyond simply following rules. Tune in for a thought-provoking, accessible discussion that will have you rethinking what it truly means to lead with integrity. 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.

Welcome to Monday's Rugby Daily, with David Wilson.Ireland get off to a flyer in England.Are the All Blacks already... at it?Justin Marshall goes IN on the Kiwi backs.And Rassie Erasmus is happy with a win over the Wallabies.Rugby on Off The Ball with Bank of Ireland | #NeverStopCompeting

Listen to this podcast episode for a recap of top catastrophe bond, insurance-linked securities and alternative reinsurance capital news, from the week-ending August 24th 2025. Listen to a recap of Artemis' most read catastrophe bond and insurance-linked securities (ILS) news of the last week. We hope this summary provides an easy way to listen to a recap of some of last week's top stories. This week we covered: Hannover Re launching a new Bermuda ILS platform; Swiss Re taking over from Munich Re at the top of AM Best's ranking of the world's largest reinsurers for companies that report under IFRS 17; JP Morgan saying cat bonds are not the main source of price pressure; AM Best on the soft but still profitable reinsurance market; how cat bonds are assuming more wildfire risk; VP Bank saying ILS remains one of the best diversifying asset classes; Antares CEO commenting on the property retro space; Howden Re on property cat pricing; life and annuity sidecar expansion; and more.

Welcome to a new week here on the Retirement Quick Tips Podcast! I'm your host, Ashley Micciche. This past weekend, I was camping in 100-degree heat with my kids, while my husband had the wisdom to stay home in the air conditioning with our youngest. I was busy packing and stuffing four bikes, three camping totes, two propane tanks, and—yes—basically a partridge in a pear tree into our minivan. So instead of the usual short daily episodes, I'm mixing things up this week and bringing you one longer episode. One of the realities of being a financial advisor is death. Clients die, and it usually happens at least a couple of times a year. When it does, and there's a surviving spouse, part of my job is to make the financial transition as seamless and stress-free as possible. Because when you're grieving the death of a spouse, the last thing you want to worry about is money—or worse, the power being shut off because you couldn't log in to pay the electric bill. Over the years, I've helped many widows and widowers through this transition, and I've developed a Widow's Financial Roadmap. The key is to have this roadmap in place before something happens—before you get sick, become incapacitated, or pass away. If you don't, your spouse may be left without the information they need to keep the household running smoothly, and the stress of grief will be compounded by financial confusion. If you're new to the podcast, a quick introduction: I'm the co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory firm managing over $450 million in assets. For 17 years, I've helped my clients retire with confidence. And here on the podcast, I take complex retirement topics and turn them into clear answers in just a few minutes each day—so you can spend less time stressing about money and more time living. If you know someone who would benefit from this week's topic, please share the show. And if you have a burning question about your own retirement, visit truenorthra.com where you can book a free 15-minute call with me. Now, let's talk about the roadmap. I'm going to lay this out in order—what to do first, and what comes next. Hopefully, you've already checked some of these items off, but there may be a few you haven't thought about. Step 1: Create a Financial Inventory I've talked about this on the podcast before, but it's worth repeating. A financial inventory is essentially a table of contents for your finances. It should include: Bank and investment accounts (with balances, account types, and where they're held). Insurance and annuity policies. Will or trust. Social Security information. Tax returns. Marriage certificate. And eventually, your death certificate. Without this inventory, assets can be forgotten or lost. For example, maybe you still have a 401(k) at a former employer that your spouse doesn't know about. Without documentation, that money could remain unclaimed. This inventory should also include a list of your key advisors and their contact information—your financial advisor, CPA, attorney, insurance agents, and even the phone number for the bank where your checking account is held. One mistake I often see, especially later in life, is not consolidating accounts. People keep money scattered across five different institutions, a handful of bank accounts, and maybe an online savings account. That's a recipe for disaster. The more accounts you have, the greater the chance your spouse won't be able to find or access them. Once you've created your financial inventory, maintaining it is easy. Just update it once a year—adjust balances, note any new or consolidated accounts, and make sure contact information is current. It usually takes less than an hour. This is the single most important step for the long-term financial health of your surviving spouse. Step 2: Ensure Cash Flow Needs Are Met The next step is making sure bills continue to get paid. Your spouse needs a list of all recurring bills with: The name of the bill (mortgage, utilities, insurance, etc.). The approximate amount. How it's paid (auto-draft, ACH, check). The due date and frequency. This isn't just a budget—it's a cash flow map for your surviving spouse. When paired with the financial inventory, it allows them to step in immediately and manage the household without the lights getting shut off or the mortgage falling behind. On the flip side, you'll also want to document income sources—Social Security, pension payments, portfolio withdrawals, or other income. That way, your spouse knows not just what bills are due, but also what money is coming in, from where, and when. Step 3: Set Up a Password Manager If you remember nothing else from this episode, remember this: set up a password manager. A password manager securely stores all of your logins, and you only need to remember one master password. Some of the top options include 1Password, NordPass, and Dashlane. This tool is invaluable while you're alive because it improves security and eliminates the need to remember dozens of passwords. But it's especially critical when someone dies. Nearly everything is digital now—bank accounts, investments, utilities, email, social media, even photo storage. Without access, your spouse may spend hours digging through old notebooks or trying to reset passwords—sometimes unsuccessfully. With a password manager, all of that information is organized and accessible. You and your spouse can share logins through the manager, making it easy to cancel subscriptions, manage accounts, or simply retrieve family photos stored in the cloud. It takes a little time to set up, but once it's running, the manager prompts you to save new logins automatically. Over time, it builds a complete record of your digital life—one that your spouse can access when needed most. Step 4: Write a Letter The final step is to write a personal letter to your spouse. This letter isn't legally binding, like a will or trust, but it can provide enormous comfort. Think of it as a cover letter to the roadmap. It should include: A reminder of where the financial documents are located. Words of love and reassurance. Encouragement not to make big financial or lifestyle changes right away. Grief clouds judgment. Many surviving spouses are tempted to sell the house, change investments, or make other major decisions in the first few months. In most cases, those decisions can wait. Your letter can serve as a gentle reminder to pause and breathe before making big changes. Keep copies of this letter with your roadmap—at home in a safe, in a safe deposit box, and with your trusted advisors. That way, it can be easily found when it's needed most. In the First Few Months After a Death So what happens immediately after a spouse passes away? Order multiple copies of the death certificate. You'll need these to handle accounts and claims. Notify key professionals—your financial advisor, attorney, CPA, and insurance companies. Start claims and transitions—life insurance, Social Security survivor benefits, and retitling accounts. Keep bills paid. If your spouse didn't handle finances before, enlist the help of a trusted child, friend, or advisor to make sure nothing slips through the cracks. Meet with a tax advisor. Your filing status will change, and that can have a big impact on your taxes. Longer-term changes—like adjusting investment withdrawals, selling the house, or revising estate plans—can wait until the fog of grief begins to lift, often 6–12 months down the road. At that point, you'll be in a clearer frame of mind to make big decisions. To recap, the Widow's Financial Roadmap includes four steps: Create a financial inventory. Ensure cash flow needs are met. Set up a password manager. Write a letter to your spouse. Do these now, while you're healthy, and you'll make life much easier for your loved ones later. That's all for this week's episode of the Retirement Quick Tips Podcast. Thanks for listening, and I'll be back next week with more!  

Mike Boylan of Mike's Weather Page is a content creator and weather enthusiast most Floridians know and have come to trust during storm season. He joins host Owen LaFave to tell the story of how an “average guy with no agenda” went from creating a simple website in the early 2000s to becoming an unexpected social media sensation. Mike shares how his low-hype, no-click-bait approach to weather has built trust with residents of Florida and beyond. While he's always open about not having a meteorology degree, he's built credibility through storm chasing and by forming relationships with government officials. Mike's goal is to share his passion for weather and respect for Mother Nature by teaching people how they can better understand storm patterns and prepare. In this wide-ranging conversation, Mike explains how simple concepts like “Know your zone,” “Halfway full, halfway there,” and “Don't be stubborn” can help Floridians avoid panic-mode but also know when to evacuate–especially when it comes to in-land areas prone to flooding that may not receive as much media attention. Hear Mike's candid thoughts on whether or not he thinks Atlantic storms are really getting worse, how AI is changing weather forecasting, and which record-breaking hurricane is the one he'll never forget. Hint: You can't go by CAT strength alone. The Bank of Tampa | Member FDIC

On this week's Defense & Aerospace Report Business Roundtable, sponsored by Bell, Dr. “Rocket” Ron Epstein of Bank of America Securities, and Richard Aboulafia of the AeroDynamic advisory consultancy join host Vago Muradian to discuss another record week on Wall Street as Federal Reserve Chairman Jerome Powell says an interest rate cut might be needed as the jobs market slows in the wake of the Trump administration's economic policies; President Trump continues his battle against the Fed demanding that governor Lisa Cook resign, driving the dollar down and gold up; Canada's drops 25 percent reciprocal tariffs on US goods to curry favor with Washington that continues to impose high trades taxes on its northern neighbor; the EU signs a tariff deal with Washington as former European Central Bank President Mario Draghi argues the capitulation marks the end of the EU's vision of itself as a global power; Switzerland's decision to reconsider its acquisition of F-35 Lightning II fighter aircraft in the wake of 39 percent US tariffs; the Congressional Budget Office's conclusion that higher trade taxes could cut the national debt by $4 trillion over the coming decade; the administration's 10 percent ownership stake in Intel and a cut of profits from Nvidia's AI chip sales to China; the Pentagon's decision to revamp how it creates requirements and oversees programs to accelerate the fielding of needed joint force capabilities even as some worry this might vest the ability to create requirements with industry; Britain's air defense missile order from MBDA; striking Boeing St Louis machinists remain decision to resume negotiations on Monday.

"Uns gibt es seit 200 Jahren. Wir sind die größte Bank zwischen Deutschland und Russland", sagt Gerda Holzinger-Burgstaller. Als Chefin der Erste Bank Österreich ist sie die mächtigste Bankerin des Landes. In der neuen Folge des STANDARD-Podcasts "CEO" spricht Gerold Riedmann mit ihr über Branchen in Schieflage und darüber, was die Politik tun muss, um Österreich aus der Rezession zu holen. Und die Bankerin erklärt, was sie von Kryptowährungen hält und wie Künstliche Intelligenz die Finanzwelt verändert. **Jetzt abonnieren:** [Der CEO-Podcast vom STANDARD](https://open.spotify.com/show/2fnQ2QctSRCOV2OWl70vmE?si=02f804c00f8549ad)

Yoav Git and Alan Dunne sits down for a conversation that challenges familiar assumptions about curve trading, market structure, and the role of CTAs. They explore why dislocations across time horizons create pockets of alpha most models miss, and how breakout behavior in commodity spreads signals more than noise. Drawing on a recent Bank of England study, Yoav explains how different participants leave distinct footprints on the FX curve, and why CTAs, far from being passive allocators, can act as dynamic responders to changing regimes. This is systematic trading, without the shorthand.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Alan on Twitter.Follow Yoav on LinkedIn.Episode TimeStamps:01:32 - What has caught our attention recently?07:10 - Industry performance update09:20 - Dont just trend it, curve it16:33 - The drivers of spread23:26 - Breaking markets into factors26:37 - Mastering speed in spread trades31:39 - Is there too much money in trend?36:47 - Key insights into FX trading44:23 - How dealers and market makers approach risk differently47:28 - The thought provoking fact about the top 5% dealers and market makers50:23 - The real process of an allocator56:39 - Using trend as part of a long term strategy01:01:35 - You should just go play...

A Password survey in 2025 revealed 1 in 20 people use the word password and 78 per cent also admitted to using the same or near identical passwords across multiple sites despite all the hacksAlso people have included number combinations such as 123456 and 123456789What?  Really? To subscribe to The Pete McMurray Show Podcast just click here

Dear Bank Treasury Subscribers, If you are like most of the bank treasurers who talk to our editors these days, you probably think that the stablecoin hoopla is a fad, a distraction from what you are thinking about right now. We hear you.Subscribe to The Bank Treasury Newsletter and Podcast at thebanktreasurynewsletter.com for professional Insights and commentary on bank treasury issues, investment portfolio strategy, and more. Listen on Apple Podcasts,Spotify, and Amazon. Follow us on LinkedIn.

Hour 3 kicks off with "Ask D-Mase", and the guys end the hour with their weekend predictions for Iowa State-Kansas State and the Titans final preseason game versus the Minnesota Vikings. 

Democrats have been worked up this week over congressional redistricting in Texas. But, hypocrisy aside, could this be a low priority for a party well into the double-digits in favorability? To get a sense of what the left ought to be doing instead, we welcome Ruy Teixiera back to the podcast to discuss the now-endangered liberal patriot. (Be sure to subscribe to his Substack of the same name!) Plus: James, Charles and Steve suss out the raid on John Bolton's house, have their voices heard on mail-in ballots, and collectively grimace at the Cracker Barrel rebrand. Opening sound this week: Sen. John Kennedy (R - LA) on the Democrats ( via Fox News) and John Bolton on Trump (CNN)Please visit our fantastic sponsor for this week's show: Get a FREE report with all the details at Bank on Yourself.com/ RICOCHET

On today's Live Greatly 2 Minutes of Motivation episode Kristel Bauer shares a reflection exercise to support fulfillment in work and life.  Tune in now!  Key Takeaways From This Episode: Reflection exercise to help boost fulfillment  Explore Having Kristel Bauer speak at your next event or team meeting. https://www.livegreatly.co/contact  Pre-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.

In his underappreciated work The Mystery of Banking, Murray Rothbard first explained how a regime of "free banking" would put strict limits on the ability of the private commercial banks to reduce their reserve ratios and inflate the money supply. Then Rothbard showed that the textbook operation of a central bank systematically neutralized the market's safeguards, and paved the way for credit expansion by a cartel of privileged private banks.The Mystery of Banking by Murray N. Rothbard: https://mises.org/HAP514a"How Private Banks Can Create Money, But Not Like the Fed Can" (Human Action Podcast): https://mises.org/HAP514bThe Mises Institute is giving away 100,000 copies of Hayek for the 21st Century Get your free copy at https://Mises.org/HAPodFree21st Century Get your free copy at Mises.org/HAPodFree

A round-up of the main headlines in Sweden on August 22nd, 2025. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter/Producer: Kris Boswell.

Sound Bites"He was so pissed.""You should do it, do it!""I will do it!"

In this episode, Ben Felix and Cameron Passmore take a critical look at the Canadian banking system's mutual fund advice model. A newly released study by the Ontario Securities Commission (OSC) and the Canadian Investment Regulatory Organization (CIRO) confirms what many already suspected: Canadian bank branches aren't in the business of giving impartial advice—they're selling financial products. Ben breaks down the implications of this study, which surveyed nearly 3,000 bank-affiliated mutual fund representatives, uncovering troubling statistics about sales pressure, lack of credentials, misaligned incentives, and poor client outcomes. From limited product shelves and high-fee mutual funds to representatives with minimal financial education, the findings expose systemic flaws in the bank advice model. The second half of the episode is a conversation with Connor and Taylor Hewson, who recently joined PWL Capital after operating their own multigenerational advisory firm. They reflect on the decision-making process, their practice's evolution, and how joining PWL aligned with their mission to deliver better, evidence-based advice to clients. Their story illustrates the professionalization of financial advice in Canada and what's possible when advisors choose client outcomes over product sales.   Key Points From This Episode:   (0:02:33) Introducing Connor and Taylor Hewson and their firm's integration with PWL Capital. (0:03:55) Why Canadians' loyalty to banks puts them at risk of poor financial advice. (0:06:22) Bank branch “advisors” often lack credentials and act as commissioned salespeople. (0:08:08) Overview of CBC's 2024 investigation into bank sales practices. (0:10:11) The OSC and CIRO's comprehensive 2024 survey of bank mutual fund reps. (0:11:47) One-third of bank reps agree their pay structure prioritizes sales over advice. (0:13:17) 35% of reps experience sales pressure “often” or “always.” (0:16:32) Almost half of bank reps believe clients would benefit from non-bank products. (0:18:52) A shocking 23% of reps couldn't define “MER”—a key mutual fund concept. (0:21:03) Advisors often make the same poor investing choices as their clients. (0:23:55) Why credentials like CFP and CFA—and firms that support them—matter. (0:26:18) How PWL Capital's structure addresses the problems with bank advice. (0:27:43) Taylor and Connor's journey from family firm to joining PWL. (0:31:18) Why they shifted from resistance to excitement about the acquisition. (0:35:46) Letting go of the need to “do everything” and focusing on client relationships. (0:40:06) How clients reacted to the transition—and the surprising questions they asked. (0:42:40) What they'd tell other advisors considering a move to PWL. (0:44:41) Building the future of advice by creating a true apprenticeship model. (0:52:12) Why advice—not just products—should be the center of financial services. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemind Rational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.ca Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Markets have already priced in a Fed cut, given the mixed economic data in the July labor and CPI prints. Our Global Economist Arunima Sinha makes the case for why we're standing by our baseline call for a higher bar for a rate cut. Read more insights from Morgan Stanley.----- Transcript ----- Arunima Sinha: Welcome to Thoughts on the Market. I'm Arunima Sinha, Global Economist at Morgan Stanley. Today – our evaluation of the Fed's policy path following the July CPI print, and the broader implications for other central banks. It's Wednesday, August 20th at 2pm in New York. Our baseline call has been that the Fed will remain on hold this year, and last week's CPI print has not changed that view. As we have noted, average tariff rates are still ramping up given the implementation delays, and so their cumulative effect on prices could be more lagged. Within the CPI print, tariff exposed goods other than apparel and autos continued to be firm. The surprise came in services inflation, which showed a reversal led by the uptick in airfares and hotel prices, which had been running in deflationary territory for much of this year. Some of the pushback against our view on inflation stepping up over the summer due to tariffs was that services disinflation could compensate. But as this print showed, that is unlikely to be the case. While we expect services inflation to continue to moderate, we think that services disinflation in the first half of [20]25 was exaggerated by weakness and volatile competence; and both core CPI and core PCE inflation are still at their pace from last year. So further acceleration in goods inflation from tariff effects over the summer would still see inflation remaining well above the Fed's target. After the July U.S. employment and CPI reports, the bar for the Fed to stay on hold in September is clearly higher. So, what are the risks to our call? The road goes back to how the data and the Fed's reaction function will evolve over ahead of the September meeting. The August jobs report will be important. If it is a solid employment report, with a sequential acceleration in payrolls and the unemployment rate around 4.2 to 4.3 percent, then the Fed could likely look through the weakness in the May and June prints – attributing the slowdown to the uncertainty following Liberation Day and not representative of the underlying trend. If, however, there were to be a sharp drop off in the hiring pace, which is currently not being indicated by other job market indicators such as jolts or claims, then the Fed could take the view that the labor market is much weaker than anticipated and restart easing. There is also the possibility of a cut from a risk management perspective. Even with inflation running well above target, the Fed could take the July employment report as a clear signal of downside risk to the labor market and start the easing cycle. Messaging from Fed officials has so far been mixed, with some taking signal from the jobs data and others remaining less worried with the unemployment rate remaining low. Outside the U.S., central bank trajectories remain tightly linked to both the Fed's path and the evolving U.S. growth outlook. Recent labor market data have introduced downside risks to our ECB and BoJ calls. In Europe, if Euro strength persists and U.S. recession risks rise, our euro area economists see a reduced risk to their September easing baseline. In Japan, the Bank of Japan remains cautious. Stronger U.S. data could tilt the balance toward a rate hike later this year – though October remains a high hurdle, making December or beyond more plausible. That said, if the U.S. economy slows in line with our forecast, the likelihood of further BoJ tightening diminishes reinforcing our base case – the BoJ staying on hold through end of 2026. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.