Podcasts about banked

In this special bonus episode, Dr. Kimmy shares Day 2 of the Booked, Banked, and In Demand challenge. A transformative session that is changing the way coaches think about building a profitable coaching business. If you've been stuck in a cycle of under-earning, whether by not launching, undercharging, or struggling to sell, this episode will shift your perspective and give you the clarity you need.Dr. Kimmy dives deep into how to create your own proven process, a key factor in becoming an in-demand coach with an in-demand offer. She explains why most coaches struggle to sell and reveals the missing piece that will help you attract clients who are ready to buy, not just window-shop.If you're serious about turning your expertise into a high-value coaching offer, this episode is for you. Plus, the doors to IPMD (Intellectual Property Mastery for Doctors) are officially open, and there's a limited-time bonus available when you join before March 25 at 11:59 PM ET.Join IPMD Now & Claim Your BonusLet's Connect: On Instagram On Facebook On LinkedIn On TikTok On my website

The world of online courses is bigger than ever, and it's easy to feel overwhelmed when trying to pick the right one. Many people have spent tons of money on courses that didn't live up to the hype, making them extra careful about what they buy next. Today, we'll go over how to find the best programs for you so you can feel confident about where you're spending your time and money and ensure they align with your specific goals.Topics Covered In This Episode:Set Proper Expectations: Define what you expect from a course, and consider if your goals align with what the course offers at your current business stage.Use a 5-Point Checklist: This helps you assess whether a course is right for you, based on factors like free content, low-ticket products, testimonials, creator experience, and available support.Valuable Free Content as an Indicator: The quality of free content can reflect the quality of paid content. Look for creators offering substantial value rather than just fluff.Importance of Low-Ticket Products: Testing a creator's style through low-cost products gives insight into their teaching effectiveness.Assessing Testimonials and Success Stories: Check for recent and varied success stories that align with the outcomes you're seeking.Evaluate the Creator's Experience and Testimonials: Learn from individuals actively practicing what they teach and who are immersed in current industry practices. Determine what type of support the course offers and whether it suits your personal learning needs.Learning from Disappointing Investments: If you've made a poor investment, don't be too hard on yourself. Try to salvage valuable takeaways and use them as learning experiences for future investments.Find the full show notes at:  https://brandimowles.com/249Loved This Episode? Check Out More Here. ⬇️CLICK HERE TO LEARN 5 THINGS I DIDN'T DO AS A FREELANCER TO HIT $250K PER YEARAdditional Resources:Are you ready to have a 100K Year with only 5 clients per month?! Check out my brand new on-demand training >> CLICK HERE TO WATCH NOW Are you looking to find, pitch, and land high-paying clients? CLICK HERE for Booked & Banked, my step-by-step process to stand out in your marketing and find your next consistent client for only $37!Follow the Podcast: https://podcasts.apple.com/us/podcast/serve-scale-soar/id1477998650Follow Brandi on Instagram: https://www.instagram.com/brandimowlesFollow Brandi on Facebook: https://www.facebook.com/Brandiandcompany

In today's episode, I'm pulling back the curtain and taking you behind the scenes of a major shift that happened with my upcoming Booked, Banked, and In-Demand Challenge. If you're a physician who wants to build a coaching business that attracts clients effortlessly, this episode is for you!Initially, I named this challenge the In-Demand Doctor Coach Challenge, but after hearing from a pediatrician who was confused about whether it was for her, I realized something—clarity is everything when it comes to attracting the right people. That's why I made a change, and the results have been incredible!This episode is all about making sure YOU know exactly what this challenge is about: helping doctors create a coaching offer that sells itself using sales psychology—so you don't have to chase clients or feel stuck in your business.I'm also sharing an exclusive VIP discount code so you can join the challenge for free or at 75% off (but only for a limited time). Listen in and get ready to become booked, banked, and in demand.Join the Booked, Banked & In-Demand Challenge.Date: Sunday, March 16 – Tuesday, March 18Time: 8 PM EST Join as a VIP and You'll Get: ✅ 30-day replay access ✅ Live coaching with me ✅ A step-by-step challenge workbookJoin Here: TheDoctorCoachSchool.com/Challenge Let's Connect: On Instagram On Facebook On LinkedIn On TikTok On my website

As an online business owner, keeping up with the latest changes and updates is essential to staying ahead. For certified ad managers and those working toward certification, maintaining sharp skills and up-to-date knowledge is crucial. Recently, the ad management landscape has evolved, particularly within Meta. In this post, we'll break down the latest updates—focusing on core setup and blocked events—and offer actionable insights for ad managers working with clients in health, religion, and finance.Topics Covered In This Episode:Meta's ad management has rapidly evolved in the past two months, specifically affecting health, religion, and finance accounts.Core setup issues occur at a domain level, impacting URL tracking and potentially blocking domain data from being sent.If your domain or client's domain is affected, core setups may restrict tracking parameters beyond standard URLs.New rules have made standard events blocked, hindering the tracking of conversions like leads and purchases, but custom events may serve as a workaround.Ad managers should observe new policies' developments, stay informed, and adjust their strategies accordingly.It's essential not to overreact to changes, as past experience with iOS 14 taught that workarounds always emerge.Find the full show notes at:  https://brandimowles.com/247Loved This Episode? Check Out More Here. ⬇️CLICK HERE TO LEARN HOW TO PLAN FORF THE EXPECTED IN YOUR BUSINESS AND LIFE (PART 1)Additional Resources:Are you looking to find, pitch, and land high-paying clients? CLICK HERE for Booked & Banked, my step-by-step process to stand out in your marketing and find your next consistent client.Episode 210: Ad Manager to Growth Consultant: Mapping Your Meta Ad Career PathFollow the Podcast: https://podcasts.apple.com/us/podcast/serve-scale-soar/id1477998650Follow Brandi on Instagram: https://www.instagram.com/brandimowlesFollow Brandi on Facebook: https://www.facebook.com/Brandiandcompany

In a world where digital interactions and social media are here to stay, social selling has come out as a key strategy for building lasting client relationships. Instagram, previously known solely as a visual platform, has now transformed into a focal point for meaningful business connections. The skill of starting conversations in direct messages (DMs) can result in booked calls and business growth. Let's dive into the steps to mastering social selling on Instagram.Topics Covered In This Episode:How to use DMs to build relationships and schedule more discovery calls without being spammy.The importance of a pre DM strategy, including identifying the type of clients you want to work with and ensuring they are present on Instagram.Why you should create a list of 100 potential clients to engage with, and make sure you are using hashtags and keywords to identify these accounts.Optimize your Instagram profile, including bio and content, to address the pain points and desires of your target audience.Interact with your identified potential clients' content genuinely before initiating a DM conversation and then use questions over statements in DMs to foster genuine conversation and not come off as spammy.Why posting consistently on Instagram can transform passive marketing to active relationship building.Follow-up is so important in turning initial conversations into scheduled calls, and why manual scheduling over using schedulers.Find the full show notes at:  https://brandimowles.com/246Loved This Episode? Check Out More Here. ⬇️CLICK HERE TO LEARN HOW TO FIND HIGH-PAYING CLIENTS IN YOUR OWN BACKYARDAdditional Resources:Are you looking to find, pitch, and land high-paying clients? CLICK HERE for Booked & Banked, my step-by-step process to stand out in your marketing and find your next consistent client.Follow the Podcast: https://podcasts.apple.com/us/podcast/serve-scale-soar/id1477998650Follow Brandi on Instagram: https://www.instagram.com/brandimowlesFollow Brandi on Facebook: https://www.facebook.com/Brandiandcompany

Finding high-paying clients might not require you to venture far beyond your doorstep. Local businesses are often overlooked but have a lot of potential that could benefit your service-based business. Today we are deep diving into how you can leverage the local advantage to grow your clientele while also improving your own community.Topics Covered In This Episode:Leveraging local businesses to find high-paying clients in your area can be a great option since there are businesses everywhere regardless of your town's size!Niching down doesn't always mean local; it can be location-dependent, like HVAC companies, restaurants, etc.Making a comprehensive list of local businesses is crucial; start with those you frequent and notice within your community.Consider the "four B's" (buses, benches, brochures, billboards) to identify businesses actively marketing themselves.Various methods can be used to connect with local businesses: cold calling, cold emails, in-person networking, and asking for referrals.Local networking groups provide opportunities to build trust more quickly with potential clients.Facebook groups specific to your area can be gold mines for identifying local business opportunities.Local clients often establish longer relationships with service providers compared to online businesses, providing more stability.Find the full show notes at:  https://brandimowles.com/245Loved This Episode? Check Out More Here. ⬇️CLICK HERE TO LEARN ALL ABOUT THE MARKETING MINUTE TRUST LADDERAdditional Resources:Are you looking to find, pitch, and land high-paying clients? CLICK HERE for Booked & Banked, my step-by-step process to stand out in your marketing and find your next consistent client.Episode 44: Using Local Workshops to Get More Clients with Shannon McKinstrie - LISTEN HEREFollow the Podcast: https://podcasts.apple.com/us/podcast/serve-scale-soar/id1477998650Follow Brandi on Instagram: https://www.instagram.com/brandimowlesFollow Brandi on Facebook: https://www.facebook.com/Brandiandcompany

Hour 4: The Tara Show - “Can Dems Get the Male Vote Back?” “Getting De-Banked by Democrats Pt 1” “Getting De-Banked by Democrats Pt 2” “Have a Great Super Bowl” full 1985 Fri, 07 Feb 2025 15:19:17 +0000 iO8C5qMVPPinTLUGfYRthbjg5w8ui4md news The Tara Show news Hour 4: The Tara Show - “Can Dems Get the Male Vote Back?” “Getting De-Banked by Democrats Pt 1” “Getting De-Banked by Democrats Pt 2” “Have a Great Super Bowl” Tara presides over the Upstate's #1 all news/talk morning show every weekday on News/Talk 989 WORD.Tara's faithful listeners are affectionately known as "Tara-ists" because of their passion and participation in the show. Tara was named 2021 Best News Talk Show and Best overall Personality, AGAIN, by the South Carolina Broadcasters Association! Tara took home the same honors in 2018 and was also named 2016 "Personality of the Year!" In addition, Tara has also won over two dozen state and national journalism awards for column writing, news reporting and investigative reporting while working for three newspapers and writing for a variety of national publications. She won a first place reporting award from the North Carolina Press Association for an investigative series about the weaknesses in Charlotte's overburdened court system, which regularly let murderers off the hook with less than 15 years in prison. Due to her work, that system has been reformed. Tara is also a winner of the prestigious first place Green Eyeshade Award, a national award for column writing from The Society of Professional Journalists. Tara took to the airwaves about 15 years ago to do a radio show heard up and down the coast and fell in love with bypassing her editors to talk straight to the people. Tara hasn't stopped reporting, and still brings her investigative journalism to the show. Tara is a mom, wife and talk radio convert-- and weekday mornings she's live and local on News/Talk 989 WORD. Are you a "Tara-ist"? It's time to get captured!      2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=https%3A%2F

In the journey of building a successful service-based business, this thought holds true regardless of where you are in your business: consistency is key. Whether you're a seasoned freelancer or just starting out, maintaining momentum with intentional marketing efforts is essential for attracting valuable clients. Enter the concept of the Marketing Minute Trust Ladder, a fundamental tool that helps to guide your efforts and keep you persistent through the highs and lows of business growth.Topics Covered In This Episode:Consistency and momentum are key to achieving results in marketing efforts.Different levels of the trust ladder determine the number of touchpoints required for landing clients.Cold calling and cold emailing are at the lowest trust level, requiring larger numbers for potential results.Cold messaging on social media provides slightly more trust, with the need for fewer contacts than cold calling/emails.Responding to job opportunities in Facebook Groups has a higher trust level due to community connections.Live events and networking offer face-to-face interaction, building significant trust and client acquisition potential.Referrals and upgrading current clients represent the highest trust level, leading to the easiest sales.Identifying your most effective marketing methods and sticking to the trust ladder can guide you on the amount of time needed for outreach.Find the full show notes at:  https://brandimowles.com/244Loved This Episode? Check Out More Here. ⬇️CLICK HERE TO LEARN ABOUT THE ART OF COLD CALLING: STRATEGIES THAT WORK WITH ASHLEY MONKAdditional Resources:Ready to learn the step-by-step process on how to start your business including how to land your first client?! REGISTER HERE for my free training so you can find a way to work from home.Are you looking to find, pitch, and land high-paying clients? CLICK HERE for Booked & Banked, my step-by-step process to stand out in your marketing and find your next consistent client.Check out some of our previous episodes to get started on landing consistent clients below!The 4 Marketing Mistakes That Are Costing You Clients and Cash - LISTEN HEREFast-Track Your Clients: How To Get Quick Decisions Without High Pressure - LISTEN HEREStanding Out in a Crowded Market: 5 Pitching Strategies to Land Your Dream Clients - LISTEN HEREFollow the Podcast: https://podcasts.apple.com/us/podcast/serve-scale-soar/id1477998650Follow Brandi on Instagram: https://www.instagram.com/brandimowlesFollow Brandi on Facebook: https://www.facebook.com/Brandiandcompany

Hello to you listening in Forres, Scotland!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Thoughts on Thursday and your host, Diane Wyzga.The Scots word “smooring” is an old practice of subduing a fire with ash or peat to keep the embers warm overnight so they could be rekindled in the morning.  Maybe like me something or someone has smoored your self-expression.  Perhaps you were told that you were a handful, a free spirit, loudly curious, or just plain too much.After a time you conformed to what they wanted. You smoored your self-expression. You stopped sharing your feelings, ideas, curiosity, and thoughts. You became damped down, subdued, maybe even smothered. Does this sound familiar?In a nutshell, self-expression is freely sharing your feelings, thoughts, and ideas. There's no limit on how to express yourself to better learn who you are, genuinely connect with others, feel free to live and love and work the way you want. The good news is that the embers of your self-expression are still there waiting to be rekindled into flame.  Practical Tips:1. Start small by bringing something of yourself back into existence; it will grow.2. Ask yourself: How are you? How do you feel? How would you like to express yourself today?3. Use what you're good at to begin to reignite the fire of your self-expression.  4. Remember that you are more than pain or fear or doubt.  5. Choose to say what you mean and mean what you say as the courageous act of a warrior. Starting now the question is not: who will let me; the question is who is going to stop me? Know that you can do this because you are smart, you are kind, and you are important.           You're always invited: “Come for the stories - stay for the magic!” Speaking of magic, would you subscribe and spread the word with a generous 5-star review and comment - it helps us all - and join us next time!Meanwhile, stop by my Quarter Moon Story Arts website to:✓ Check out Services I Offer,✓ For a no-obligation conversation about your communication challenges, get in touch with me today✓ Stay current with Diane on LinkedIn, as “Wyzga on Words” on Substack, and now Pandora RadioStories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicAll content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.

#PacificWatch: #VegasReport:  Formula One (F1) revenue and review success.  @JCBliss reports crwded elevator banked to glimpse the two hour show. without tickets. 1957 F1

In his weekly YouTube appearance, Post-Gazette sports columnist Paul Zeise joins host Adam Bittner to analyze the Steelers' situation at receiver behind George Pickens. Was the group's two catches by Van Jefferson and Calvin Austin III for eight yards vs. the Atlanta Falcons in NFL Week 1 alarming? Or is it sustainable in the type of offense OC Arthur Smith wants to run? Did GM Omar Khan bank too hard on acquiring Brandon Aiyuk via trade? And how closely should we watch potential fallback options including the Denver Broncos' Courtland Sutton and the Las Vegas Raiders' Davante Adams? Later, the guys weigh in on the QB situation with Russell Wilson and Justin Fields. Plus the tackle competition between Troy Fautanu, Dan Moore Jr. and Broderick Jones. Then they give their thoughts on the Backyard Brawl between Pitt and West Virginia; Eli Holstein's development at QB for the Panthers; Penn State's struggles defensively vs. Bowling Green; and Pirates GM Ben Cherington's expectations that manager Derek Shelton will return next season.

On today's Quick Start podcast: NEWS: Jesus Revolution in Iran, Evangelist Rebounds After Being De-banked FOCUS: Pence Discusses Relationship with Trump MAIN THING: Ken Ham Interview LAST THING: 1 Peter 5:7 SHOW LINKS See Chuck Holton's FULL INTERVIEW With Ken Ham here: https://youtu.be/mLpgTrh1px4 2024: https://www2.cbn.com/news/us/campaign-notebook-after-trump-nh-win-fat-lady-singing NEWSMAKERS POD: https://podcasts.apple.com/us/podcast/newsmakers/id1724061454 DC DEBRIEF POD: https://podcasts.apple.com/au/podcast/d-c-debrief/id1691121630 CBN News YouTube: https://www.youtube.com/@CBNnewsonline CBN News https://www2.cbn.com/news Faithwire https://www.faithwire.com/ Email us! QuickStartPodcast@cbn.org

Join FPC Executive Director Reed Luhtanen as he goes off the rails with Kaue Tozzi of Banked. Reed and Kaue talk about the latest trends in pay by bank, building on previous episodes featuring Alex Gonthier of Trustly and Matt Friend of JP Morgan Chase. They also talk about operating payments globally and whether or not Westeros will be in good shape under a potential King Aemon.

Dielle Charon has cracked the code. This business coach earned more than a million dollars in 2022 and $370K in the first 2 months of 2023. She says one of the reasons for this success is her focus on delivering quality programmes and buttoning up her business processes.But it took a lot of mindset work to give up chasing the glamour of internet fame and social media celebrity.In this episode, Dielle shares how her biggest mistake early on in her coaching business was comparing herself to other business coaches on social media and spending too much time trying to become popular online. Now, she's focused on being comfortable with her own experiences and skills to find the success she's looking for.Find the transcript of this episode on my site, emancopyco.com/podcastLinks from this episode:Dielle's website: https://diellecharon.comDielle's podcast: Black, Banked, and Booked OutDielle's free training: https://diellecharon.com/free-trainingJoin Eman's newsletter and get her 35-minute email class for FREEIf you loved this episode, take a screenshot, post it on Instagram and tell everyone you know that this is the podcast to listen to. Don't forget to tag me! @emancopycoAnd if you're interested in working with me, visit emancopyco.com/contactLoving the podcast?Join the podcast's private membership and unlock bonus content: https://emancopyco.com/membershipSupport the show and leave a rating or review here: https://ratethispodcast.com/mistakesGet the BTS scoop on how this podcast is made in this bonus episode: https://emancopyco.com/btsWork with Eman Copy Co. to power up your email strategy, your launches, and your revenueFill in the enquiry form on this contact page: https://emancopyco.com/contact/Want to learn with me?Check out my courses and masterclasses: https://emancopyco.com/learn-with-me/Say hi

Our guest this episode is the notorious Mr. Bald from Bald and Bankrupt on YouTube! He's amassed over 4 million subscribers and embarked on many dangerous journies and documented travels to places few have gone to visit. These risks have paid off as Bald actually filed for bankruptcy in the UK before he began filming but is now a certified millionaire thanks to his YouTube channel. Find out how he finally put these funds to use after having them just sit in a zero interest bank account for years. Discussed:  Bald and Bankrupt YouTube Channel U.K Guide to Bankruptcy Bald's Video to Visit Abandoned Russian Spaceship Johnny FD YouTube Channel Petrolectric YouTube Channel Where we are: Johnny FD – Kyiv, Ukraine / IG @johnnyfdj Sam Marks - Bangkok, Thailand / IG @sammarks12 Derek – Los Angeles, USA / IG @DerekRadio Sponsor: ILAB PatreonJoin the Invest Like a Boss Patreon now and get tons of bonus content, including additional episodes, full quarterly updates including account screenshots and more for as low as $5/month at Patreon.com/InvestLikeaBoss Time Stamp: 00:33 - Johnny & Derek Intro 05:57 - Interview with Bald Begins 17:40 - Bald's YouTube Strategy 23:30 - When Bald Found Out He's A Millionaire 32:35 - Where Bald Invests His Money 52:12 - Johnny & Derek Outro If you enjoyed this episode, do us a favor and share it! If you haven't already, please take a minute to leave us a 5-star review on Apple Podcasts and Spotify. Copyright 2024. All rights reserved. Read our disclaimer here.

In this short podcast episode, Bryan dives into soft start & solar technology, which often work together. He also talks about how we can install ductless systems in homes that rely on solar power. Soft starts are NOT hard starts. Hard starts add more current to the start (auxiliary) winding, which creates a stronger phase shift. Instead, soft starts control the current on the start and run windings and provide just enough of a phase shift to ramp up the motor slowly; it provides a regulated power supply, which means that a slow startup doesn't necessarily cause overheating because there is no locked rotor condition. We can use soft starts on two-stage compressors but need to make sure the compressor goes up to high speed during the starting sequence. Soft starts "learn" the compressor's cycles, so we need to make sure they are trained to reach the high stage, not the low stage. In systems with multiple compressors, we need to have a separate soft start for each compressor. We don't need to use soft starts on inverter-driven or variable frequency drive (VFD) systems. Soft starts also make sense in systems that rely on solar technology. Solar technology may be on-grid (where we sell back energy during peak times) or off-grid (where energy is banked). Ductless systems can work with solar energy, but they must be connected to the grid or the bank. Banked solar energy doesn't need to be rectified in the same way that AC power from the electrical company does, which may be advantageous for ductless systems that rely on DC-driven technology.   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool.  Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android.   Subscribe to our YouTube channel.  Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

Join the waitlist for Anatomy of a Leader events: https://form.typeform.com/to/eDtmkFff Alison Cork is the youngest female founder of a publicly quoted company. She is also founder of Alison at Home and National Women's Enterprise Week. She's here to show you how to find your calling, how to succeed in business and how to live well. If you're an enterprising female entrepreneur, or are seeking ways to improve your quality of life, you need to watch this episode. Timestamps: 00:00 - Trailer and Introduction 02:16 - Why We Need More Female Role Models 04:25 - Supporting and Nurturing your Child's Instinctive Skills 11:07 - Is Being an Entrepreneur an Innate Trait? 13:51 - Leaving Cambridge University to Run a Publishing Company 24:09 - Needing Authenticity in Marketing 29:25 - Going Through Fraud 38:48 - Stepping Back From Bad Friends 44:32 - Are Women More Flakey Than Men? 46:41 - Why Talented Women Aren't Retained in the Workforce 52:22 - What Do You Do in Your Second Half of Life? 01:00:59 - What the UK is Getting Wrong With Food 01:09:06 - Getting a New Lease on Life at 60 01:11:31 - The Benefits of Strength Training 01:15:45 - Starting National Women's Enterprise Week 01:17:50 - What Can be Done About the Disparity of Funding for Female Founders? 01:20:21 - How Can People Help Support Female-Led Enterprises? 01:23:55 - What's Next? Alison Cork is an interiors expert, entrepreneur, author, and TV presenter. She is the founder and CEO of alisonathome.com and Make It Your Business. She has also started National Women's Enterprise Week - a week of events and activities designed to celebrate female entrepreneurs throughout the UK. In 1992, she co-founded Carnell Ltd with John P Gommes. She debuted on ITV in 1996 with Home In The Country and has since presented various home interest shows, including Countdown To Christmas, Domestic Magic, Homes & Property, 60 Minute Makeover, Help I Hate My House!, and Secret Removers. Since 2014, she has regularly appeared on QVC with her interiors collections. Alison Cork: Instagram: https://www.instagram.com/alisoncork_home/ X: https://x.com/AlisonCork?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor Website: https://www.nwew.co.uk/ Website: https://alisonathome.com/ Maria Hvorostovsky: LinkedIn: https://www.linkedin.com/in/mariahvo/ Instagram: https://www.instagram.com/mariahvo/ TikTok: https://www.tiktok.com/@maria_hvo X: https://twitter.com/mhvorostovsky HVO Search: https://www.hvosearch.com Podcast filmed, edited and produced by: https://www.londonbeautyphotographer.com Need help HIRING – http://www.hirewithmaria.com LEAVE A REVIEW: If you're listening on Apple Podcasts make sure to Follow, Rate, and leave a REVIEW.

Laptop Radio chats with Samuel Risberg (CTO at SOLMiner.io) on How Mining Can Secure and Stabilize the Grid and Help Decentralize Banking and Help the Un-banked.

"Kidnap and Kill" (@KandKFilm kandkfilm.com) is a documentary about the FBI scheme to entrap and frame people in an alleged plot to kidnap and kill Gov Gretchen Whitmer.Filmmaker @NotRadix was just de-banked and she is not alone. Many other conservatives have as well. She joins to* describe what happened with an update* update on the cases* update on the film as it nears completionFind out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Money is only what YOU hold: Go to DavidKnight.gold for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHT

"Kidnap and Kill" (@KandKFilm kandkfilm.com) is a documentary about the FBI scheme to entrap and frame people in an alleged plot to kidnap and kill Gov Gretchen Whitmer.Filmmaker @NotRadix was just de-banked and she is not alone. Many other conservatives have as well. She joins to* describe what happened with an update* update on the cases* update on the film as it nears completionFind out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Money is only what YOU hold: Go to DavidKnight.gold for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHT

Christina Urso, an independent journalist working on a documentary covering the Whitmer 'kidnapping plot' in Michigan, joins to discuss the movie and her account lock-out at Bank of America, plus Michael Cohen takes the stand at the Trump trial, and much more.

For many, access to the banking system is an important component of upward mobility. Loans, savings accounts, credit cards–these are all part of a financial system that, when used strategically, can help establish financial stability or undergird entrepreneurial activity. But there are barriers to accessing the banking system for those on society's margins, including in some immigrant communities, where many are unbanked or underbanked. To explore these issues, we speak with Dr. Jay Zagorsky, clinical associate professor of markets, public policy, and law at Boston University's Questrom School of Business and Dr. Dina Refki, executive director of the Institute on Immigrant Integration Research and Policy. The conversation details the challenges and consequences of being unbanked and underbanked as an immigrant and highlights potential policy solutions for improving the financial options available to these communities. Guests Jay Zagorsky, Associate Professor of Markets, Public Policy, and Law, Questrom School of Business, Boston University Dina Refki, Executive Director, Institute on Immigrant Integration Research and Policy

Joel Anderson, Josh Levin, and NPR's Gene Demby look back at the epic first-round series between the New York Knicks and Philadelphia 76ers. They also check in on the chaos inside Deion Sanders' Colorado football program. Finally, Alex Prewitt joins Joel, Josh, and Stefan Fatsis to examine why Korean basketball players bank in their free throws. Knicks- Sixers (2:25): How New York came out on top and what's next for Philly.   Colorado (19:03): What happened to all the players Coach Prime booted?   Banked-in free throws (34:26): A deep dive into a mysterious phenomenon. Afterball (49:15): Josh on the Shaq-Kobe NBA (and rap) beef.  (Note: time codes are only accurate for Slate Plus members, who listen ad free.) Want more Hang Up and Listen? Subscribe to Slate Plus to immediately unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of our show page, or visit slate.com/hangupplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

ONRS - 621 Mikeys Dad Died Owens Mom visits Owen car talk Theresa's Birthday / Bird People Theresa's Evil sense of humor Blind people self defense Did the black community believe that oj was innocent? Mikey interrupts an Asian woman getting High And CLIPS! The Oh No Radio Show | Call Live @ 407-906-6466 | Live shows every Thursday at 8:30 PM EST @ Twitch.tv/onrslive

Some pretty shocking statistics surfaced recently from an enquiry by the UK's Treasury Committee looking into access to finance.Obtaining data from eight UK banks - the committee found that more than 140,000 accounts held by small and medium-sized enterprises (SMEs) were forcibly closed in the past year. Following hot on the heels of the Nigel Farage Coutts drama – as well as the country's recent dip into a recession – these figures raise concerns about how the backbone of the UK economy is being served by the banking industry.So is this a real issue? Or a storm in a teacup?In the latest episode of The Laundry – our expert host, Marit Rødevand, is joined by James Nurse, Managing Director of Fintrail, and Neil Donovan, Senior Associate at Ashurst, The panel discuss: Why thousands of businesses are being de-banked, the legitimacy of compliance concerns raised by banks, and how we make the system better at spotting bad actors and front organisations.Producer: Matthew Dunne-MilesEngineers: Dominic Delargy, Nicholas Thon____________________________________The Laundry podcast: Dive deep into the intricacies of financial crime, AML (anti-money laundering), compliance, sanctions, and the ever-evolving landscape of financial regulation.Hosted by Marit Rødevand and Fredrik Riiser – this podcast features renowned experts from banking, fintech, compliance, and investigative journalism.Together, they shed light on the industry's trending topics, analyse mainstream news through a compliance-focused lens, and connect the fight against financial crime to its real-world consequences and ramifications.The Laundry is proudly produced by Strise, an AML Automation Cloud.Get in touch at: laundry@strise.aiSubscribe to our newsletter, Fresh Laundry, here. Hosted on Acast. See acast.com/privacy for more information.

What if your thoughts create your results? That's a powerful question for me. I've had a life-long relationship with negative thinking and creating my own money drama. It's easy for me to think of something positive, but right behind it is a nagging negative thought - what if it doesn't work out? What if I'm not good enough? What if it all falls apart? Do I really deserve this, etc.? Here's the kicker, though, as our guest Dielle Charon, certified life coach 7, figure sales expert, and host of the Black, Banked, and Booked out Podcast says - you've first got to have the courage even to put that big thought in your brain and help self-coach yourself to success. Now, Dielle is an entrepreneur powerhouse, and we start out the conversation by talking about her strong belief that entrepreneurship is the key to emancipation and why this matters. But whether you're an entrepreneur, a 9-5 ‘er, or a stay-at-home parent, you're going to find a lot of life-changing advice in this vault episode, including how to simplify your thoughts around money, the keys to self-coaching yourself, common money mindset blocks, 5 money questions to ask yourself right now, and ways to have both a profitable side hustle and a 9 to 5 job with ease, if that's your jam. Links Black, Banked, and Booked Out podcast Dielle's website Dielle on Instagram Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone's Talkin' Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.  Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney. SPONSORS Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Last year featured some of the largest bank failures in U.S. history. In this episode of Making Cents of Money, Chicago City Comptroller (and former Illinois Director of Banking) Chasse Rehwinkel joins us to break down what went wrong, how regulators respond, and why most consumers should not be worried about ever losing the money in their bank accounts. Show Notes: FDIC & California Regulator Reports • FDIC Releases Report Detailing Supervision of the Former First Republic Bank, San Francisco, California: https://www.fdic.gov/news/press-releases/2023/pr23073.html • Review of DFPI's Oversight and Regulation of Silicon Valley Bank: https://dfpi.ca.gov/wp-content/uploads/sites/337/2023/05/Review-of-DFPIs-Oversight-and-Regulation-of-Silicon-Valley-Bank.pdf Financial Institution Insurance: • FDIC: https://www.fdic.gov/ • NCUA: https://ncua.gov/ Recorded Webinar: • Your Financial Tool Chest: https://youtu.be/XdUgsotxCqE?feature=shared (part of the Get Savvy: Grow Your Green Stuff Series) Books: • Too Big to Fail: The Inside Story of How Wall Street and Washington Fought to Save the Financial System from Crisis — and Themselves by Andrew Ross Sorkin (Book and Movie) • The Continental affair: The rise and fall of the Continental Illinois Bank by James P. McCollom (Book) Previous Podcasts with Chasse: • Episode 2: Banked or Unbanked - Choosing Financial Services for You https://soundcloud.com/idfpr/making-cents-of-money-episode-2?si=81bc1ead8b4b425db9b2c6bfd9b7f4e0&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 14: Short-selling https://soundcloud.com/idfpr/episode-14-short-selling?si=fd95e90d0de64fb2a1743ec92a8c7cd3&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 47: Community Reinvestment Act https://soundcloud.com/idfpr/episode-47-the-community-reinvestment-act?si=0b0b179278a74e0982f396809780aa1c&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing

There's growing evidence Kiwis are embracing US-style tipping culture. New data from financial information site, Banked, says 47 Kiwis approve of tipping- and at least 60 percent of Kiwis sometimes leave tips. Restaurant Association President and Monsoon Poon owner Mike Egan says customers like to show appreciation for enthusiastic or knowledgeable workers.  "When you give good service, you sort of invoke the emotional reciprocation. They thought the staff member knew all about the menu, and was great, and made everyone laugh, and was on to it- and they wanted to reciprocate." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tipping culture could be becoming more popular here.  Numbers from the financial information site, Banked, suggest 60% of Kiwis sometimes or often leave a tip.  Almost 47% of New Zealanders think tipping is a good thing, while 34% say the opposite.  Banked Head of Publishing Kevin McHugh told Mike Hosking that tipping culture here has primarily been affected by the United States and as a result has become more popular.  He said that the cost-of-living crisis does play into it, and those who tend to tip are the ones who have higher salaries.   LISTEN ABOVE See omnystudio.com/listener for privacy information.

Henrico County Public Schools is adjusting the 2023-24 school calendar to add a staff and student holiday on Friday, March 29. The holiday will use time that had been set aside for snow days and other unexpected events. The school division “banks” instructional time each year to offset unplanned closures during inclement weather or other emergencies. When that time is not needed for weather, the superintendent can use it to create additional days off while still ensuring that HCPS meets Virginia's requirements for instructional time. The potential for a March 29 closure had been indicated on the school division's calendar...Article LinkSupport the show

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

This episode was produced remotely using the ListenDeck standardized audio & video production system. If you're looking to jumpstart your podcast miniseries or upgrade your podcast or video production please visit www.ListenDeck.com. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio. In this episode the host John Siracusa chats remotely with Brad Goodall,  Co-founder and CEO at Banked.  In this episode, they chat about the importance of clear narratives when pitching to investors and joining a fast growing startup. Brad emphasizes the need for founders to provide clear answers to the question of how long will it take to succeed.   Subscribe now on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio to hear next Thursdays episode with Michal Cieplinski from Capstack.   About the host:   John is the founder of ListenDeck a full-service podcast and video production company, which has produced over 1000 episodes of various podcasts. He is the host of the ‘Bank On It' podcast, which features over 500 episodes starring high profile fintech leaders and entrepreneurs.    Follow John on LinkedIn, Twitter, Medium  

This episode was produced remotely using the ListenDeck standardized audio & video production system. If you're looking to jumpstart your podcast miniseries or upgrade your podcast or video production please visit www.ListenDeck.com. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio. In this episode the host John Siracusa chats remotely with Zor Gorelov,  Co-founder and CEO at Kasisto.  In this conversation, they discuss the importance of reading between the lines and connecting the dots in decision-making especially when building a new venture. Zor emphasizes the need to create your own path and make decisions based on limited information, a strategy suited well when building an AI technology company developed out of Bell Labs.   Subscribe now on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio to hear next Thursdays episode with Brad Goodall from Banked.   About the host:   John is the founder of ListenDeck a full-service podcast and video production company, which has produced over 1000 episodes of various podcasts. He is the host of the ‘Bank On It' podcast, which features over 500 episodes starring high profile fintech leaders and entrepreneurs.    Follow John on LinkedIn, Twitter, Medium

A commercial bank will open for business in the heart of a majority African American neighborhood in Sarasota in a couple of weeks. Bank branch openings are a rare things these days, which is why our news team took a close look at the new business in Newtown. Then: Some describe it as a silver bullet to end the affordable housing crisis. Others call it a billion-dollar giveaway to developers. On Monday, the City of Sarasota commission discussed major zoning changes, and Ramon Lopez was there.  Then: Yesterday, Governor Ron DeSantis took a break from campaigning in Iowa to deliver his State of the State address to the joint legislative session in Tallahassee. New College featured prominently, as Chris Young with partner station WMNF reports. Next: Women are turning into key swing voters who influence the votes of their husbands and boyfriends. So what is driving the female vote in Florida these days? The League of Women Voters Manatee asked to experts, and our news team eavesdropped. Finally: This is the 20th year violin virtuoso Yitzhak Perlman is in town for the Perlman Music Program Winter Residency. WSLR reporter Ramon Lopez joined  this year's crop of youth musicians in a rehearsal.

Episode 439Schramm and Cash are joined by Austin Anarchy and Midway Magic skater Lola Chola! We talked about Roller Rage and more coming up!

We never had to think about how our bank worked, till now. But with most of America's banks insolvent, with massive “unrealized losses” on their balance sheets, as interest rates...

Germany, France, and Italy are among the countries which last year enacted laws to stop the practice of culling male day-old chicks, because, as they do not lay eggs, are considered surplus to requirements.

For more info on what is discussed in this epsiode, head to MarketPowerMethod.com Allen: Boom, welcome to another edition of the Options Genius Podcast! Today, as promised, in the last episode, we have an interview, an interview with a fellow named Kevin. And Kevin is one of our beta testers in the Market Power Program, Kevin has done an amazing 266% ROI, since he's joined the program earlier in 2003. So that's not even a whole year worth the results. And that is after fees. So after he took out his commission's after he took out his fees, that's how much money he put in his pocket. Or basically, he left in the account. I don't know what he did with it. But yeah, that's what he kept. All right. That is amazing. I wanted to share this with you, I wanted to get this to you. Because these type of results are uncommon. I think that's an understatement. You know, when you have most people trying to make seven 8% A year from the stock market, even though you know, the market, banks, banks are paying what 4 or 5%. Right now, that's wonderful, that's great. Stock market should be paying more, but nobody out there is getting 266%. So shake cheese, but we are doing it with the market power program, I wanted to share this because I want you to be excited, I want you to be happy for Kevin, I want you to know this type of stuff is available, it's doable, if you have success with trading. So that's like the goal. I mean, the goal shouldn't be 266%. But the goal should be that you have enough money coming in to pay for all your expenses that you could do that from your trading. So you have basically your financial independence, right? And then after that you keep adding more and more money to the accounts or to your savings account or whatever, so that the financial worries that you have in your life melt away and you don't have any financial work. Because the thing is like, hey, oh, I got a speeding ticket. Okay? Well, if you can write a check, to make your problem go away, you don't have a problem. And that's what I really want. That's the type of life I want to have for you. Okay, so the type of problem where he's like, Okay, if I can just write a check and make this problem go away, I don't have a problem, I have a money issue. And the money issue, we want to make it go away through trading, market power is going to be one of those ways this program is coming. It's exciting. It's amazing. I can't speak enough about it. I mean, it's just unbelievable. I haven't I lost sleep. When we first came up with this seriously, I lost sleep for days and days and days. And I just can't believe it. And even now, it's still unbelievable. 54 trades in a row that I have made with this program. I think Kevin, the one that you're going to see in the interview, I think he had one trade that went bad, and he had to adjust it. And so it still worked out. And it's phenomenal. It's amazing. And he's not the only one, I'm not the only one, we have 35 other people that are trading this, in our beta testing program. They're all doing phenomenal. We have case studies, we have screenshots, we have interviews, we have, you know, the emails from them, thanking us and saying how amazing it is. So it's just a matter of time before we can open it up for others join. And unfortunately, you know, we can't let everybody in the whole world join. So whoever gets in to get in, that's wonderful. You only help certain limited amount of people, because we still need to protect it and keep it somewhat secret in the sense so that it doesn't get diluted and it doesn't stop working. So that's the situation here. I'm gonna go ahead and stop talking and let you watch or listen to the interview. And then when market power, makes his official debut and launches to the general list, I will let you know on the podcast. Or if you want to get to know earlier, then you can go to OptionGenius.com and email us or contact us and say hey, I want to be on the notification list. I want to know more about Market Power. I want to know when it comes out. I want to be one of the first How do I get to the top of the line, right? So let's do that. And let's go ahead and let's get into this interview. Matthew: Alright. So today we're joined by Kevin Donegen, and he's a member of our market power program. And I want to thank you today for sharing your experience. And you know how the course has been going for you and the program, and just really appreciate having you. Kevin: You're welcome. Glad to be here. Thanks, sir. Matthew: You're welcome. So, I always ask people, you know, the first question is, how did you find Option Genius? So a lot of people find it by podcast or other means. So how did you find out Option Genius? Kevin: It's been a few years now, because I joined other, you know, the training portion of Option Genius a couple years ago, I think it was late 21. So almost two years now, I guess, you know, it's a good question, how I found Option Genius. I guess. I was exploring Option Trading, you know, on my phones, or searches and option genius. And I looked at a few mean, option, genius came up and I gravitated towards it. I don't know, I think I was just searching for option learning, training and learning kind of stuff and found it and it's been good. So I think I found it just by searching. Matthew: Just by discovery. Kevin: Yeah, research Matthew: Great. So you've been a part of our original market program. Call you guys kind of like the Founding Fathers, you know, you, you went in there and tried everything? And is there anything when you decided to join the program? Were you like, hey, you know, I want to be a part of this program that stuck out to you. Kevin: Boy, when Allen, when you all had that first introductory conference call regarding the program, and shared the historical back testing data about what the program was based on? I mean, that that clinched it right there, that historical back tested data, of, you know, the premise, and the process of the program, and how it looked back tested was just the results are just remarkable. Matthew: Excellent. Did you have any personal expectations before you joined the program, you know, as far as like a percentage goal or just to kind of get consistent? Kevin: I had been trading options, covered calls and in spreads before a little bit, I dabbled in it. So I guess my initial expectation for the program was to pay back my, the cost of the program. First, that was my first goal. And I did it pretty quickly. And by starting out slow, you know, I, you know, I started out real slow just to get the feel for the program. And as I traded more, and you know, the indicator came up, and I made a trade in one and one again, and one again, my confidence, says, Yes, this is real. And then I just started slowly, my trade starts slowly ramped up, and I think I paid for it. And depending on how slow or fast you start, it can be a fast payback. If you start with larger trades, but I think I paid mine back in a few weeks, like 12 weeks or something. Matthew: Wow, that's great. That's like, yeah, it's really important, what you just said, you know, a lot of people, you know, you're excited, and you can see things working. And a lot of times, you know, the human psychology gets involved, and we go too fast, right? You know, so it's, it's really kind of really great that you kind of measure yourself and start slow. So it's really great. For sure. Is there any kind of particular part of the program that you really like? You know, is it some people can say, oh, it's adjustment, or it's, whatever. Is there anything you can pinpoint? Kevin: Yep, the two things come, pop up in my mind, that the online forum of the group and the chats and the sharing of information amongst the market power group, I really enjoy that to get other people's opinion and take on the program in the market and when to trade, not to trade. So I really like that it's an open forum. And it's, it's welcoming, and no one's afraid to say anything. So I really liked that. The second tool I like is the trading log, the market power trading log that you all put together. It's well organized. I've been using that to track all my trades. Matthew: Great. Yeah. I mean, again, you hit on a really great point. I mean, that we have a group of people, you know, some people are just new to options. And you have some people I said in another interview that are looks like they take it to quantum physics. So it's like, you get all this range of knowledge. And it's really kind of, we're all here for the right reason. So it's really kind of great. It's almost like a family, if you will. Kevin: Absolutely, yeah, absolutely. Matthew: How has the support been? I mean, you kind of mentioned a little bit from Option Genius, but more like the people around you. I mean, I think you just alluded to that, that you have a good support system that If you want. Kevin: Oh yeah, whether it be a group member or yourself or Trish or an even Allen, it's been great. The communication has been prompt and, and timely and always answered. So there's always someone to answer a question or what have you. So it's been really good. Matthew: That's great to hear. You know, we really want people to feel involved and not feel left out. I'm, you know, there's nothing worse than feeling like you're alone, you know? Yeah. Kevin: So I don't, I don't feel that way at all.  Matthew: Awesome. Has your trading changed at all? Since you joined the program? Like, as far as I mean, can you talked a little about confidence, or, you know, some people? You know, a big main reason is confidence, I say, but how was it for you? Kevin: So, last year before the program, I had some success, just doing it myself, but then I got burned, and wiped away all my profits. So what I get out of the program is the discipline of the program. And, you know, when you have an indicator day, that's the day to trade no other. So, I'm more disciplined since joining the program. And I'm only trading when there's an indicator day, by and large. So the short answer is, I've gained a lot of discipline after joining the program.  Matthew: That's great to hear. So we're all shoot for that to be consistent, you know, and there's nothing worse than trading and winning than winning, and then giving it all back. I think it's like the, you know, it's the worst thing that can happen, right? Kevin: Anybody that's probably been in options have had that experience at one time or another? Matthew: Sure. So it's almost required. Kevin: Boy, it's a tough learning, but that's okay. Matthew: All right. So, um, how have your results been so far? For you? Kevin: I'm looking at my trading log right now, because I figured you'd ask that. And I've kind of added some features to it myself. But if you're interested in those, we can talk about that. But I've made what about 47 trades? Not counting yesterday. So I work off the two platforms. So I'd make trades in both one as is a smaller account, one's a bigger account. So I may duplicate a given day on two different platforms. But anyway, you know, 47 trades, I think I lost only one. And that was because of me. It wasn't because of the program. And I only lost like 600 bucks. So no big deal. And then I adjusted and made it back. So but that was my fault. And I bought too early in the day, basically. And I put notes out there, which is good. My average number of contracts, I would say is 20. So but you know, I've been up as high as 40 and 10. And 30. Just depends how I'm feeling. You know, like, like, yesterday, I did only 20. I don't know, I I don't know why I just didn't want to do 40. You know, and so long and short. I've made over a minute, I also back out the cost of trades to get a net profit, right? So my net profit is 226%. Matthew: Yeah, that's great. You mean, you're trading at a good amount? You kind of just talked to how a little bit can made me kind of feel how I trade you know, there's some days that, you know, you don't you have like kind of a hunch, you know, you're like, I don't really feel, you know, can be personal. It could be like something like, I just don't feel like trading today. And that's perfectly fine. And what I do love, and I think you'll agree is that some days, you don't have to trade, you know, it's like, you don't have to take every signal. Right? You can, you can wait and there'll be another one coming down the pike, you know? Kevin: Absolutely. Yeah, for sure. And that's why that's where the discipline comes in. You know, because you just got to be patient because the signal will come. And when it comes, that's your time. Matthew: So yeah, yeah, you kind of take it as a case by case basis. You know, that's great, for sure. Alright, so kind of a fun question. So a lot of people, they have different goals for their profits. And it's nice to good problem to have, you know, you're in your profit, you're making money. Some people do fun things like take vacations, and some people just roll it into their account. So what are your plans? Kevin: So I guess, on articulate or unstated two goals for the program and the profits that I earned from market power. First is to build up my account so I can grow the dollars in My Account for doing this so that I could keep slowly ramping up as I get more and more comfortable. But then I also, the second one is to take some of the profits and have some fun. And like you alluded to, I think maybe before we started the call, but, you know, I went fishing in Colorado, and virtually almost paid for the whole trip, in a day, at least a good portion of VRBO expense. And then, earlier in the year, my wife and I went to Paris, and I was trading when I was over in Paris, and helps pay for that part of the trip. So, you know, Matthew: It's great. I mean, it almost makes your trip more enjoyable. You know, you're over there, you're like, hey, you know, this is cash flow in this right now, you know? Kevin: Exactly. So it's, it's a great feeling. So yeah, two things, take a little profits, have some fun with it, and then keep growing the account. Matthew: Excellent. Excellent. So what would you say to someone that you were there in the original group, and a lot of people have apprehensions about joining programs, you know, whether it's true, we're kind of at a point now, where we've had many, many winners, and if not any losers on the track record, actually no losses on the track record. So it's almost too good to be true. So people are naturally skeptical. What would you say to someone that, you know, there's going to be next group and a group after that, and people join in this program? So what would you say to someone that's kind of on the fence about joining this program? Kevin: Well, if they see any of these interviews from the current market power group, I gotta believe take it from the member, the current members and what they're saying, and their results, trust, the back tested data is real. And ever since we, we joined market power, the program to your point hasn't had a losing trade yet. So it works. I mean, the data speaks for itself, and they can if they're apprehensive, start slow, kind of like what I did and get comfortable with it. And you'll quickly, quickly get more confidence in the program. Matthew: Excellent. Well, wise words, I mean, you know, it's really important, you hit on some really important points that, you know, patients taking your time, and really kind of just trusting yourself. I mean, give it you know, giving something a try and, you know, the worst possible thing that can happen, you know, so that's great. So I really want to thank you for taking the time today. I really appreciate it and you know, sharing your experience, so really great having you on. Kevin: Yeah, my pleasure. Thank you, Matthew. All right. Thank you. Have a great day. You too.

The Financial Conduct Authority has published its initial review into 'de-banking' - that's when banks decide to terminate certain accounts. The issues surrounding 'de-banking' were raised when politician Nigel Farage revealed he had been refused banking facilities. Among the evidence the FCA has considered, is a report from the British Association for Shooting and Conservation. They surveyed their members and said 41 percent of the 325 who answered, had found difficulty with their banking, and that just over half of those people had been told by the bank, off the record, that their connection with shooting and firearms was the reason why their banking had been stopped or restricted. As the war in Ukraine continues, the longer term consequences are being assessed, including the impact on farmland soil, which has been contaminated by heavy metals like mercury and arsenic. Staff from a Ukrainian university have spent a week at in the UK at the Royal Agricultural University, learning how to heal their soil back home. All this week we're looking at British booze, today it's beer. Malt is a key ingredient and it usually comes from barley, grown specifically for brewing. Malting barley production across the UK got back to pre-pandemic levels last year, at nearly 2 million tonnes, but the price of malting barley has risen dramatically since 2019, pushing up the price of a pint. Presenter = Anna Hill Producer - Rebecca Rooney

Mayor Adams asks for Federal money to help with migrants. Mark Interviews Economist Steve Moore: Mark and Steve talked about the inflation numbers going up after Trump left office. Gas prices are more than a dollar higher than when Trump was President.

Freedom fighters and their families face a new threat from the globalist Deep State: the seizure and freezing of bank accounts. Called 'de-banking,' this novel Deep State tactic to silence political opposition — suddenly and without warning — now threatens all who work for freedom and the Culture of Life. Globalist elites are working to 'financially terrorize' the world with this de-banking strategy and establish the New World Order — making the world bow to their power. LifeSiteNews journalists Frank Wright and Andreas Wailzer join Editor-in-Chief John-Henry Westen for a full de-banking analysis — and what de-banking means for the future grassroots movement to build a Culture of Life. LOVE LIFESITE? LOVE BEING PRO-LIFE? GET THE FIRST AND ONLY LIMITED EDITION PRO-LIFE SILVER ROUND FROM LIFESITENEWS: https://www.stjosephpartners.com/lifesite-silver-roundSHOP ALL YOUR FUN AND FAVORITE LIFESITE MERCH!https://shop.lifesitenews.com/HELP US FIGHT THE CENSORSHIP OF BIG TECH: https://give.lifesitenews.com/Connect with us on social media:LifeSite: https://linktr.ee/lifesitenewsJohn-Henry Westen: https://linktr.ee/jhwestenMusic Code: VNHULJDQ2M Hosted on Acast. See acast.com/privacy for more information.

Coutts' de-banking of Nigel Farage, in part over his political views, has caused a political storm and led to calls for a new duty on banks to uphold free speech. To discuss this, IEA Director of Public Policy and Communications Matthew Lesh spoke to writer and former MEP, Ben Habib.

What if your thoughts create your results? That's a powerful question for me. I've had a life-long relationship with negative thinking and creating my own money drama. It's easy for me to think of something positive, but right behind it is a nagging negative thought - what if it doesn't work out? What if I'm not good enough? What if it all falls apart? Do I really deserve this, etc.? Here's the kicker, though, as our guest Dielle Charon, certified life coach and 7 figure sales expert, and host of the Black, Banked, and Booked out Podcast says - you've first got to have the courage even to put that big thought in your brain and help self-coach yourself to success. Now, Dielle is an entrepreneur powerhouse, and we start out the conversation by talking about her strong belief that entrepreneurship is the key to emancipation and why this matters. But whether you're an entrepreneur, a 9-5 ‘er, or a stay-at-home parent, you're going to find a lot of life-changing advice in this episode, including how to simplify your thoughts around money, the keys to self-coaching yourself, common money mindset blocks, 5 money questions to ask yourself right now, and ways to have both a profitable side hustle and a 9 to 5 job with ease, if that's your jam. Links Black, Banked, and Booked Out podcast Dielle's website Dielle on Instagram Timestamps [00:01:14] Thoughts creating your results. [00:04:02] Emancipation through entrepreneurship. [00:08:09] The landscape and fear around entrepreneurship. [00:11:43] Thoughts creating desired results. [00:17:47] Debt and its emotional impact. [00:19:37] Overcoming debt mindset. [00:25:26] Believing in making more money. [00:26:48] Money flow and mindset. [00:31:47] Money blocks and overcoming them. [00:37:20] Earning more and healing. [00:38:23] Changing the story about debt. [00:42:22] Runaway money thoughts. How Shannah Can Help You: Join the Everyone's Talkin' Money Newsletter, where you get insider money tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, I'm running back an interview I did with Will Page in 2022. It was our most popular episode of 2022 and we talked about a lot of topics that are still timely and still being debated right now in the industry. One of the most unique insights into the state of the music business today doesn't come from a record label exec. Not from an agent. Not from an artist. No, it comes from Scottish economist Will Page, who served that role for Spotify from 2012 to 2019 — a period of explosive growth for the streaming giant. But if you ask Page about streaming's future, he's not nearly as optimistic as the rest of the industry. “The party has to come to an end,” as he told me on this episode of Trapital.Page believes the music industry is transitioning from a “herbivore market” to a “carnivore” one. In other words, future growth will not come from brand-new customers — it'll come from the streaming services eating into each other's market share. Not only has subscriber counts possibly tapped out in Page's opinion, but streaming services have also put a ceiling on revenues by charging only $9.99, a price that hasn't budged in 20 years despite giant leaps in technology and music catalog size.  That against-the-grain prediction was one of many Will shared with me during our in-depth interview. But he has plenty more research- and experience-backed thoughts on touring, vinyl records, Web 3.0, and everything in between. Believe me, this is an interview you don't want to miss. Here's everything we covered: [3:21] The Global Business of Music[4:15] Vinyl Records $1.5 Billion Recovery[08:54] Will's Bearish View About The Future Of Streaming[14:46] Ongoing Price War Between Streaming Services[18:33] The Changing Economics Of Music Touring [21:44] Performing At Festivals Vs. Tours [24:57] The Evolution Of Music Publishing[28:34] How Music Revenue Gets Distributed To Publishers[32:41] What Does A “Post-Spotify Economy” Look Like? [33:44] The Current Business Landscape Of Hip-Hop Listen to Will's mix right here: https://www.mixcloud.com/willpagesnc/we-aint-done-with-2021/Check out Will's Podcast, Bubble Trouble, where he breaks down how financial markets really work.Read Will's book, Tarzan Economics: Eight Principles for Pivoting Through Disruption.Listen: Apple Podcasts | Spotify | SoundCloud | Stitcher | Overcast | Amazon | Google Podcasts | Pocket Casts | RSSHost: Dan Runcie, @RuncieDan, trapital.coGuests: Will Page, @willpageauthor Trapital is home for the business of hip-hop. Gain the latest insights from hip-hop's biggest players by reading Trapital's free weekly memo. TRANSCRIPT[00:00:00] Will Page: When you have 110 million households, and you have more than 110 million subscribers in the United States, then we are in a race to the finishing line before herbivore turn into carnivores.In oil, we have this expression called peak oil, which is we know that we've extracted more oil in the world than is left to extract an oil that's left is gonna be even more costly to get out the ground. I think we're in peak subscriber territory where at some point soon we're gonna start seeing growth happen through stealing other customers as opposed to finding your own.[00:00:29] Dan Runcie Intro: Hey, welcome to the Trapital Podcast. I'm your host and the founder of Trapital, Dan Runcie. This podcast is your place to gain insights from executives in music, media, entertainment, and more who are taking hip hop culture to the next level.[00:01:12] Dan Runcie Guest Intro: For today's episode, let's revisit the most popular episode that we did in 2022. That's the conversation that I had with Will Page. Will Page is the Former Chief Economist for Spotify, the author of Pivot, and Advisor consultant to many of the companies that are leading the music industry today. In this conversation, Will and I talked about a lot of topics that are still timely and still being debated right now in the industry.The price of streaming. Streaming, especially for Spotify, is still $9.99 in the. Pound and Euro in many markets. But Spotify wants to keep that price for several reasons. They want to continue to grow as much as they can. They also want something in return from the record labels. They want some type of concession if they're going to raise their prices.But as we've heard, the push has got louder and louder from the record label CEOs that want that price to increase. So we talk about some of the origins of that debate and where that may be. Then we also talk about some of the competition among the digital service providers as well, whether it's Apple Music, Spotify, Amazon Music, and others.We talk about how it's transitioning from a herbivore market to a carnivore market now that the market's getting saturated. You probably heard that term a bit over the past year that originated from this podcast. So we talk about that a number of other timely things and more we'll eventually have will back on the podcast soon.But this is a nice precursor to refresh the memory a bit and with some of the topics that are still going on in music today. Here's our episode. Hope you enjoy it.[00:02:48] Dan Runcie: Some of the work you've done for a company that is very heavily focused on playlist, which is Spotify, and I think more broadly looking at the streaming era we're in right now.This is a great time to chat because we just saw the IFPI results and streaming as continuing to grow as we've seen. But I feel like you probably spotted a few interesting trends about where things are heading, and I think that's a question mark for a lot of people. Streaming continues to grow, but how far can it grow?What are we seeing in terms of differences within genres or regions? What are some of the things that stuck out[00:03:21] Will Page: to you? I'll give you a couple. The first one is the global business. Well, last time I looked at United Nations, I think there's 208 countries in the world. The global yearbook that we're discussing here has, I think 58.So we have to be careful what we define as global. I think Africa's clubbed together as one continent and where they need to work on that. But I think the global business is growing, but it's also becoming more American. So if you go back to when Spotify launched America, 22, 20 3% of the business round about just over a fifth.Today it's 37%. So we have seen the business grow and become more American, and that raises questions, you know, economic questions like globalization, questions, should poor countries catch up with rich ones? The theory says yes. The reality often says no. So we're seeing this kind of lopsided growth where the business is growing, but it's growing in favor of an American market.The biggest country is growing at the fastest. That's a positive problem, but I just wanna flag it, which is, that's not how it was supposed to play out. And then the second thing I'd wanna point to as well is just vinyl. this vinyl recovery is just, well, I don't know how much my bank balance is responsible for this vinyl recovery, but I'm telling you, Is define the laws of gravity.Now, we're now looking at vinyl being worth one and a half billion dollars, which is more than it's been worth in the past 30 years. It's worth more than CDs, cassettes, and downloads, the three formats that we're supposed to declare that vinyl is dead. But there's two things you can kind of cut out the vinyl recovery, which I think will be of real interest to your audience.Firstly, on the consumer side. I saw a survey which suggested that the majority, just over half of all vinyl buyers today, don't own a record player. I mean, something's cooking here. So what are we buying it for? I'll extend that as well. the cost of wall frames to frame vinyl on your wall often cost more than the record itself.So I'm willing to pay more for vinyl to you know, framed on my wall than I am for the record. And by the way, I don't have a record player. There's a lot of people who will tick those bizarre boxes. But on the crater side, something else is interesting. This'll take a little bit of working through.But if we think about the streaming model, it's monetizing consumption. That's what it does. So if there's an album with 10 songs, three killer and seven filler songs, and an album, and let's say Dan Runcie wrote the Three Killer Tracks and Will Page, he wrote the Seven Duff Filler Tracks. On streaming, Dan might walk away with all the money and I'll walk away from none because we're only streaming the killer tracks and nobody's touching the filler.As the album model kicks out from vinyl, I would get 70% of the cash. That's crazy because nobody knows what's being consumed and it's a lot of cash. If I just kind of do some rough math here of a million fans streaming your hip hop record on Spotify, and let's say they're stream. 200 times in a month when the album drops, you only need 20,000 of them of that million to make the same amount of money from vinyl than you would do from streams, which is entirely plausible.But then how do you pay the copyright owners from those songs on an album is very different from how you pay them on a stream. If you go back to the late seventies, the, one of the most successful records of all time was Saturday Night Fever, the Bee Ges and a bunch of other people. It's crazy to think that Ralph McDonald's Calypso strut his record there, which nobody has listened to, got the same royalty as staying alive by the Bee Gees because it was a vinyl record.So to reiterate, on the consumer, I don't know how many of these vinyl records are being played, and on the crater side, it raises questions about how these craters are gonna getpaid.[00:06:53] Dan Runcie: That's a good point book that I don't think is being talked about as much about the vinyl search because there's so much like wow, about just how much is being purchased.I think I even saw the stat that Adele's 30 album sold 8,000 cassettes. Or there was stuff tied from Stat about that, and I think the similar thing that you said, lines up having those people actually still own a watman or whatever type of cassette player that they have. So I do think that that is something that probably there could be a deeper analysis on because.A lot of the people that write the filler songs, how do they feel? Or whether you're a songwriter, whether you, you know what's behind it, especially when you know that there's so much clear path to be able to determine, okay, this is going to be the lead single, this is what we're gonna push most from this album.It really shifts things even more to where things are going in terms of a single market. Like the way that people have talked about pop music for a while now, right? And I guess that brings a, brings me back to the streaming trends that you mentioned. Overall, we're in this area, as you mentioned, streaming itself, the US penetration is grown from 22%, I believe you said is now through your 35, 37, somewhere around there.But where do we go from here because as you've written before, the price of music streaming, at least the monthly subscription hasn't necessarily been increasing. The average revenue per user overall because of the international growth is decreased, and you have plenty of people that are still trying to get there, fair share of what they can.It's streaming so. It's in like five, 10 years from now. If you could see into the future, where do you think streaming distribution is? I think the good thing is that people have smartphones and there's more and more growth from that perspective. So streaming is going to grow, but on the other hand, the economics of these things do have some theoretical goal point where we've maximized the global penetration of this.What do you think about, where that is going?[00:08:54] Will Page: Let me unpack it in two different lanes. Firstly, I'll deal with the saturation point question, which is, you know, how long can this party keep going for? It's three o'clock in the morning, who's gonna call time on it? And then secondly, I wanna deal with the pricing point on its own lane as well, but on saturation point, you're now in a situation where I put it as in America, we've had herbivores. We've had Spotify growing Apple, growing Amazon, growing YouTube, growing. Everybody's reporting growth, Pandora even is growing. What we are gonna see some point soon is carnivores.Which is Apple will grow by eating into Spotify's growth, or YouTube will grow by eating into Amazon's growth. So the key question we gotta ask is when do we go from the herbivore market? We're in today to a carnival market of tomorrow, and I output Spotify's US subscriber number around about 45 million, Apple at 49 million. We dump on top YouTube. Amazon, Pandora, you're well past 110-120 million. Now, that's important because I reckon and there's around about 110 million qualifying households in America that has at least one person who could pay for a streaming service. This is crucial because if you look at what Apple One's bundle is doing $30 a month for news, music, television, gaming, fitness, and two turbos of storage per six account holder. It's a household proposition they're saying to the home, I got you convenience. Everyone under this roof is covered with Apple products. So when you have 110 million households, and you have more than 110 million subscribers in the United States, then we are in a race to the finishing line before herbivore turn into carnivores.In oil, we have this expression called peak oil, which is we know that we've extracted more oil in the world than is left to extract an oil that's left is gonna be even more costly to get out the ground. I think we're in peak subscriber territory where at some point soon we're gonna start seeing growth happen through stealing other customers as opposed to finding your own.So I just wanna put that warning flag out there. Just now we're partying like it's 1989, fine, but at some point the party has to come to an end and gross is gonna come at the expense of other players that then flips, you know, from the A side to the B side of this record. We flip it over to price and then the pricing debate is interesting.I published this work called MELD Economics,uh, which we can cite on your, your wonderful website there. Which was to look at 20 year history of the nine 19 price point, and its crazy story back in the 3rd of December, 2001, over 20 years ago. Today Rhapsody got its license for a $9.99 offering, which had 15,000 songs.First point. The origins of 9 99 bizarrely date back to the Blockbuster rental card. Some coed up label executive would've said, if it cost 9 99 to rent videos from Blockbuster, that's what it should cost to rent music. Secondly, there was only 15,000 songs with limited use case. There was no smartphone back then.No apps, no algorithms. That was all a weird welded into the future. So you just. 9 99 for 15,000 songs. We are now chatting in early April, 2022, and it's still 9 99 in dollar in Euro and Sterling, but we're offering a hundred million songs. That's the crazy thing. So in the article, Mel Economics, what I do is I strip inflation out in the case of the uk, 9 99 has fallen down to six pounds, 30 pence.Remember, you know, Family Plan makes music cheaper too. If 2.3 people are paying $40.99, that's six pounds 50. There's way too many numbers in this conversation for Trapital, but still we'll stick with it. Student plan makes it cheaper too. So music in real terms, has fallen to six pound 30, which is less than a medium glass of Malbec wine, so 175 milliliters of Malbec wine costs than a hundred million songs, which is available offline on demand without adverts. That for me, is certified bonkers. I don't understand what we've done. We're offering more and more, and we're charging less and less, and you only have to leave the ears to the eyes on the video streaming to see what they're doing on the other side of the fence.Netflix has got me from $7.99 to $8.99 to $12.99, to now $14.90. In the space of 15 months, and I haven't blinked Disney plus. The reason I'm paying $4.99 on Disney Plus is because I paid $19.99 to get Cruella live on demand. So they're charging more and more, but only offering part of the wells repertoire set for eyeball content.We are charging less and less and offering more and more of the wells. Ear hole content, so it's like two ships passing each other in the night. It's a very interesting dilemma.It's intriguing because when you look at the way that video is structured, as you mentioned, you have all these price increases, and I think Netflix for some plans is, you know, $18.99, it's approaching that level, but in music, It's this thing where, yeah, there's some price differences where I think I saw today that Amazon music is increasing a dollar, but that's from $7.99 for prime subscribers to that being $8.99. So we still have to cross that.I wonder if I won't cost that.[00:13:57] Dan Runcie: I mean, honestly, I feel like there's something here because when I think about this, I think about a few things.Obviously you do have this fight where the artists wanna get more and the labels wanna get more, you know, not just for the artists, but for themselves. And obviously Spotify wants to earn more logically. You would think, okay, if you increase the price and people just understated the economics of what's likely.If Spotify increased up to 1299 a month for the standard base rate, how many folks would boing. But to your point earlier, I have to imagine that the fear is looking at the trends and where that penetration is. If they jump up to $12.99, then they're going to lose those customers to the other streaming services that haven't jumped there yet because of that thought of, you know, shifting to that carnivore mentality of competing with each other. So because for roughly 80% of the content that they do offer, it is roughly the same between each of these services. It's led it to be more of a price war then in video streaming, where most of them do have some differentiated content.[00:15:02] Will Page: A hundred percent. And two things to bolt onto your very eloquent points there. And firstly, let's just remind ourselves that Apple launched superior sound quality. You may remember the, commercial of Lossless audio. You buy your AirPods, which cost two years of Apple Music or Spotify to put in your ears and you get superior sound quality, the subtext underneath it said at no extra cost. That was the actual marketing message. So there again, we are improving the offer we're supplying more but we're charging less in real terms. And that's a really interesting kind of point kind of cut into. And the second thing, and we should get balance into this discussion cause it's delicates, we have to remind ourselves that, you know, there's 120 million subscribers in America.There's still another 120 million to go, but we know they're not that interested in paying for music because they haven't paid yet. Now the best way to attract them is not necessarily to raise price. So we gotta remember that there's still, you know, oil to extract. It's not gonna be easy oil to extract, but the best way to get to it might not be to raise price, but there's a catch to this.I can remember in the early nineties, right up to 2010 piracy, ripping the asset out of this business and concept promoters were saying. We love piracy because the kids are getting music for free so they can pay more on concert tickets. I wonder if now they're saying we love Spotify because they don't raise prices, which means we can raise ours.This is not a discussion of how to rip off the customer. This is a discussion about value exchange and I just wonder whether recorded music is leaving value on the table. That's the key pointto hammer on.[00:16:32] Dan Runcie: That's a good point. And I think that also made me think too, could there be some notion of maintaining the perception of Spotify as something that still has high pricing power and still has high consumer surplus, because then that helps the stock price.And then seeing that the major labels are all invested in Spotify itself. It's about like having that perception of, you know, the future growth and whatever it is. So what you just said made me think about that being a factor potentially too.[00:17:02] Will Page: A hundred percent. And of course, you've gotta distinguish the Spotify Apple music cost structure from that of the video streaming companies in that they have a kind of variable cost.You double your business, you double your cost base. Whereas Netflix, you jump up costs and you have, you jump up your revenue, you know, you raise me from 7 99 to 14 point 99, the cost of that content was fixed. And I'm still consuming the Fresh Prince of Bel Air on Netflix to this day. That was a fixed cost deal that he did to get that content and that's margin to Netflix.So, you know, the cost structure matters to this one as well.[00:17:33] Dan Runcie: Definitely. And you mentioned live music there, and I think there's a lot to think about from that perspective. I Feel like we're in this post pandemic. I mean, we're still not out of it, but we're in this post quarantine era, more artists than ever are trying to tour and get out there trying to capture what's there, but also from an economic perspective from that.Most people are only gonna go to a certain number of live events per year, and we have this 18 to 24 month run coming up where everyone wants to make up for what they couldn't do in the past two years. How will that shift, not just who then goes on tour together, and then how they may split those profits, what the availability looks like?And if they're not able to do what they may have done on tour in the late 2010s, how does that affect future touring? I think that's a piece of it that, you know, we still haven't necessarily seen the impact of, but it just feels inevitable based on where things are heading. You did it.[00:18:33] Will Page: Absolutely. Now on touring, I was lucky and I gotta do some great work on the UK live industry, and I can only speak for the UK here.I know a lot of your audience in the US but I think these points will carry. The first one was to work out how much is spent on concert tickets in Britain during the, the normal year of 2019, and the answer was 1.7 billion pounds. That's more than was spent on recorded music a lot more than was spent on recorded music, which makes sense, you know, you pay 120 pounds on the Spotify account, you're paying 240 pounds to go to Redding Festival. Two days in the muddy field in Redding, cost more than 365 days of all the wells. But what I noticed there was the industry is changing in its growth. I showed that between 2012, the year of the London Olympics and 2019, The live music industry in this country had exploded and grow, but it was lopsided.All the gro came from stadiums, festivals, and to lesser extent arenas. The theaters, the 2000, 3000 capacity theaters like the Philmore West over where you are, they were getting crushed. They were actually shrinking in size. So we have this lopsided live music industry, which is going right in the direction of the head as opposed to the long tail, the stadiums, the festivals, the arenas, as opposed to the theaters, the clubs, the university venues.And that's interesting cuz that's gonna change the dynamics of how you make money from live. Do you go from doing your tour of an album to doing a tour of your festivals for that record? And what does that mean? The cost structure for the insurance and all those things that bands have to consider when they're hitting the road.I mean, credit to capital. You've had some great podcasts recently on this topic, but as, a big rethink coming along in this live music market, it's not the same as we had back in 2019. It's changed fundamentally, and it is the breadwinner for most artists' income. I think it makes up about 70% of what an artist has to live for comes from the road that vanished.How do we get it back?[00:20:22] Dan Runcie: I feel like Cardi B has been a good. Case study on this specific point here, right? It's been four years now since she released an album, and she's yet to go on a true proper tour in that time. That said, she's done plenty of festivals where she's earned more on those festival guarantees that she likely would on tour.She's also done many private events where she's likely earned that save amount, if not more. So there's a whole economic argument to be made, and I think there's also some risk involved too, right? I think that festivals do give you the opportunity to. Get that major bag, you get the high number, the revenue that comes through, but maybe your fans will be a little bit more forgiving if your set piece at your festival isn't the most extravagant thing, especially if you're not the headliner at it.But on a tour, I think it changes. It's a little bit more pressure, everyone wants to see that Instagramable or talkable moment to then sell future tickets and just the production cost and everything with travel. It still is something that is very worthwhile, but I think we've just started to see some of that segmentation there.Especially for someone like her. I would add residencies too. I know she's done a few different things in Vegas here and there, but yeah. Still yet to do that 30 city worldwide tour.[00:21:44] Will Page: Yeah, I think you gotta think with your head and your heart. Your head says like you point out the economics favors festival.Your back line's there, your insurance is covered. Travel's already covered. I have numerous hip hop bands perform at festivals in Europe, and that's one of the big advantages. The costs are all taken care of by the festival, but your heart says, what does that do to intimate relationships with your fans?[00:22:05] Dan Runcie: Right?[00:22:05] Will Page: I mean, you're staring at 50,000 strangers in the muddy field. That's different from staring at 2000 friends in the Fillmore West. So the head and the heart's gotta come into play here. What I would add though is that there are rumors, I would say here in the UK at least, that the promoters are saying, I'll pay you a ton of money to perform at the festival to make sure that you don't go on tour.And that's an interesting situation. If you build one too many houses, you collapse a property market. If you have one too many tours or one too many festivals, you collapse live music industry. So there's ways in which people are trying to restrain the market to festival. At the expense of the theaters.That certainly is coming through in the data. We're seeing the theater business take a kick in while festivals go on a roll.[00:22:45] Dan Runcie: Yeah, because I think about, you look at the artists that are touring stadiums now, whether it's your Taylor Swift's or Beyonce's, they wouldn't be able to do that if they didn't have the individual tours at smaller venues when they were starting out. Being able to build that intimate fan base, like you said, like you get to that point, right? And I do think that as good as festivals can be, it is much more of a lucrative cash grab that is, I don't wanna say necessarily short-term thinking, but I think you ideally wanna have some type of balance there, right?Get the big bag that you can get from something else. It's almost no different. I think running a business, right? Okay, sure. You may be able to do a speaking fee or do some type of, you know, thing here or there, but hey, you can't do that all the time, especially if it's not an audience you're tapped into.You still need to do some of the things that could set you up for the long game.[00:23:37] Will Page: Yeah, and there's an infographic that I'll share with you to pass onto your audience here. I wrote an article in The Economist called Smells like Middle-Aged Spirit as opposed to Teen. Nice play on Words hat to Dave Gro and Kurt Cobain.But what I was looking at was the average age of festival headliners over time. This is a du pessimistic Scottish economist. This is what you do with your spare time. Okay, so in the nineties when radio head to Glastonbury, the average age of a festival headliner is 25, 26 years old. all these hot bands were coming through the Brit Pop era.You know, there was so much development of new talent. By 2012, I think it had got up to 58 and I got a lot of criticism for that article. But then Glastonbury that year had the WHO and Lionel Richie headlining, which I think was 17 and 73 years old apart. And then you can see the conveyor belt problem, which is okay, it's a quick cash grab.It makes sense. But that's not the conveyor belt of how we developed talent for tomorrow. That's just how we cash in our chips at the casino today. So it does raise questions, I'm not saying it's like the doomsday scenario here, but we just need a healthy balance of, you know, a seeded for future growth and then the big stage for exploiting that moment today, which could be the pyramid stage at Glastonbury, the headlights stage at Monterey over in the States.So I just think we're getting a little bit lopsided here. We're a bit short termist and how this business needs to develop.[00:24:57] Dan Runcie: Agreed on that. Switching gears a bit. One thing that you wrote recently that stuck out to me, you did this deep dive on music publishing, and I think this is another area that kind of has some of that short-term, long-term perspective on it, because you look at the people who get the share of the copyright pie, at least today, and from music streaming perspective, a lot of that has been much more in the favor of, the recorded side and then the people getting compensated on the recording side. But with that, the songwriters and the publishers, a lot of them necessarily in that timeframe, didn't get a lot of that. But I think in this wave now where we're seeing more catalog deals and we're seeing people understand the value of that, things may be starting to shift and there's likely other things as well.But what do you think about the way that the publishing side has been seen in what the future opportunities are for that side of the business?[00:25:54] Will Page: Well, the way that labels and publishing were taught to me in terms of what makes them distinct from one another goes back to my Aunt Dorian Loader, who worked in the music business from 1959 at Deca Records, right the way through to 2012.She ran Enzyme records with Nigel Grange, Lucian's Half-Brother. They were responsible for Shead O'Connor, who sold 11 million albums based on the Prince cover. And she once said to me, will, this is how the music industry works. The record label pays for your drugs and the publishing pays for your pension. I just kind of, that's a nice succinct way of summarizing how the business works.That was then, this is now clearly times have changed, I think, but it reminds us about, you know, what makes the business different. And then that piece of work that you cite is something called global value of copyright, where I'm really keen to educate this. Regardless of whether you're coming from a label perspective, a manager, an artist, a songwriter, there's a C with a circle on it called copyright.We get that, and it involves record labels. It involves sound exchange. It involves artists. It involves ascap, BMI, GMR, Czek. It involves publishers, David Israeli, and the great folks at the NNPA. It Put the whole thing together for me, all this spaghetti and strain it out. And what I was able to show was that in 2020, copyright was worth 32.5 billion, way bigger than what you've just heard from IFPI way bigger than what Czek would say.This is the entire thing. And the split was about 65% labels, 35% to the publishers. Now, if you go way back to 2001, when we used to sell CDs by weight of pate. In the cocaine capitalism days, you know, record labels back then. The split was much more in favor of labels, you know, more than three quarter labels, less than a quarter to the publishers.And what we've seen happen in the years in between is quite an interesting story. Labels went from boom time with CDs to bust with piracy, and now they're booming again with streaming. And the inverse, the opposite happened. Publishers as labels went bust. ASCAP, BMI kept on reporting record breaking collections, so you have a hair tore toys analogy here of labels going really fast and falling off a cliff.Publishers just trundled along with record breaking, not massive record breaking collections, but it kept on growing their bases. So, the questions these throw up is what type of industry are we moving towards? Are we going back to a business model which paid labels over three quarters of the pie and publishes less than a quarter, and is that a good or a bad thing?Or in this post Spotify economy where we're seeing companies like Peloton, Twitch, TikTok, come to the business, is that gonna have a completely different balance? Now why this matters to your audience is not just on the crater side, but also on the investment side. You pointed out catalog valuations. We can dig into that if you want, but just a high level point is, let's say that in a few years time, I go into my back cave again, calculate the global value of copyright, and instead of 32 and a half billion, it's 40 billion.I'll come on Trapital show, I'll make an exclusive announcement. Copyright today is worth 40 billion, seven and a half billion new dollars. Have come into this business, I want the audience to start thinking about who gets what share of that marginal new dollar. Is that gonna split publishing side or is that gonna split label side?And if you're investing in catalogs, be the master rights, be the author rights that really bears, there's a huge educational drive here to understand the balance of this business of copyright.[00:29:15] Dan Runcie: So there's a few things you've said there that I wanted to dig into. Of course, for streaming Spotify and its competitors around 75%.Is going to the recorded side a quarter to publishing. But from a breakdown, what does that look like for the TikToks, the Roblox and the Pelotons? What does that share of revenue from those plays look like?[00:29:38] Will Page: So, The best way I could do this is if I just talk about ratios. There's three Rs in this business.There's share of revenue, there's ratio in this rights pool. They mean different things. Most experts get confused. With these three Rs, I'm gonna stick to ratios. That is, if I give the label a dollar, how much do I give the publisher, the songwriter, this collective management organization. So we stick to the conventional streaming model Today, I would say that if you give the record label a dollar, you're giving the publishing side of the.24 cents, you know, a decent chunk of change. But still the pure cousin of the record label on YouTube, I think it could be as high as 35 cents, 40 cents even. Because there's a sync right? Involved in those deals. And then when you take that observation of imposing the sync right into deal, and you expand it to Peloton or TikTok, potentially even more, and then you can flip it and say, well, what happens if the future of TikTok is karaoke?Not saying it's gonna happen, but it's not implausible if that was the case. That favors publishers even more. So there's all these weird ways that the business could develop, which could favor one side of the fence. The labels and the artists continue getting three quarters of the cash or the other side of the fence.Publishers and songwriters start enforcing their rights and getting. A more balanced share and that that's what we need to look out for when we're investing incorporates. That's what we need to look out for. If you're a singer and a songwriter and you're trying to understand your royalty statements[00:30:57] Dan Runcie: mm-hmm.Well, like how much higher do you think? I mean, if you had to put a percentage on it for the TOS or the Pelotons, and I guess as well, you made me think of sync deals, right? Like for the folks that are selling, or their song gets placed on one of these hulu series or one of these HBO Max series, like what does that ratio look like, you know, from a ballpark for those.[00:31:20] Will Page: So I think a 50 50 split would be the upper bend of the goal. If, if a song is placed in a Hulu TV show or you know, an artist I've worked with for many years, Yu Dito Brazilian composer, his songs now in this famous easy Jet commercial over here in Europe. The artists and the publisher would see around a 50 50 split of those revenues.Now, would that happen in the world of streaming? Unlikely. But I think if you can get to a stage where you're giving the record label a dollar and the publisher 50 cents as a ratio, and I've gotta repeat the word ratio here, you know, that's potentially achievable with this post Spotify economy. I don't think it's gonna happen with the business we're looking at today, but I think that's a potential scenario for the business developing tomorrow.That's the thing. If I can quote Ralph Simon, a, a longtime mentor to me, he always says, this industry is always about what's happening next. And then he goes on to say, it always has been. It's a great reminder of just, you know, we're restless souls in this business. We've achieved this amazing thing in the past 10 years with streaming.Got there. Banked there what's coming next, who would've thought Peloton would've had a music licensing department 18 months ago? Now they're like a top 10 account for major labels.[00:32:30] Dan Runcie: It's impressive. It really is. And I think it's a good reminder because anytime that you get a little bit too bullish and excited about what the current thing is, it's, we always gotta be thinking about what's next.And you mentioned a few times about a post Spotify economy. What does that look like from your perspective? I think there's likely a number of things that we've already talked about with more of these other B2B platforms or where these other platforms in general, having licensing deals. But when you say, or what do you think about post Spotify economy?What comes to mind for you?[00:33:02] Will Page: Let me throw my fist, your words, your jaw, and try and knock you out for a second. We talked about price for a minute, and we talked about streaming. We haven't talked about gaming, but you noticed the Epic Games. It's just acquired band. I learned a fascinating stat about bandcam, which relates to my book Tarzan Economics.There's a chapter in the book called, "Make or Buy", where I sat down with the management of the band radio head. We went through the entire in Rainbow Story for the first time ever, a real global exclusive. Explain how that deal worked out, what they were really achieving when they did their voluntary tip jar model.And by the way, can I just put a shout out to one of your listeners and live from the Ben Zion. Best remix of Radiohead I've ever heard in my life is Amplive, Weird Fishez hip hop version of the entire album. But Radiohead tested voluntary tip jar pricing. Now check this out. If you put your album out on Band Cap, could be a vinyl record.Remember, it's the people who are paying to stream who are also buying vinyl. So if you put a ban, an album, my own banquette, and you say name your own price, no minimum, and there's a guidance there of 10 bucks, the average paid is. People go above 40% asking, and that could be for a super rich blockbuster artist who tries something out in band camp.That could be for some band who's broken Brooklyn, Robin and coins together, trying to make them breed. People go 40% above asking when you say name your own price. And that's interesting for me. there's a great academic paper by Francesco Cornell from Duke University. She asked, how should you price a museum?An intuition says Top-down. Museum should set the price. Adults 10 bucks, kids, five bucks, pensioners, some type of discount arrangement. But she said, no, let the visitors set the price because that way rich people will give you even more and poor people can attend and you'll see more cash overall. And I would like to see a little bit more of that experimentation around pricing compared to the past 20 years where we've had a ceiling on price, where if you really love a band, all you can give a platform is $9.99 and not a penny more.I think that's, we're suffocating love. We're putting a ceiling on love and we need to take that ceiling and smash through it and let people express love through different means. But I love that ban camp story. Whatever you suggest, I'll give you 40% above cuz it's art. We're not dealing with commodity, we're dealing with culture and that's why we gotta remind ourselves.[00:35:13] Dan Runcie: It's like the Met model, right? Where at least the last time I went, it was like $20 was the recommendation. But to your point, it at least had some vary of a threshold. But the people, a lot of the people that go there that have a lot of money end up giving much more. So I hear you on that. That's a great note to end on. Will, thanks again. Thank you so much.[00:35:33] Dan Runcie Outro:If you enjoyed this podcast, go ahead and share it with a friend. Copy the link, text it to a friend, post it in your group chat. Post it in your Slack groups. Wherever you and your people talk, spread the word. That's how capital continues to grow and continues to reach the right people. And while you're at it, if you use Apple Podcast, Go ahead.Rate the podcast, give it a high rating, and leave a review. Tell people why you like the podcast. That helps more people discover the show. Thank you in advance. Talk to you next week.

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Dielle is a 7 figure sales coach who helps women of color coaches multiply their sales and experience freedom. She helps them create wildly successful online coaching businesses without the stress or overwhelm. She is the host of Black, Banked, and Booked Out Podcast, a sales and money mindset podcast for online coaches. Dielle went from struggling social worker living paycheck to paycheck, to building a multiple six figure coaching business with a 9 to 5. This Week on the Get Paid Podcast: Starting out in the coaching industry 3 years after—$1.08 million cash in a year's revenue

Last week on the podcast, we talked all about being open to the possibilities. Well, Dielle Charon is an example of what is possible.  Starting out her career as a Social Worker, Dielle was doing something she loved but wasn't making enough money to even cover her student loans. Realizing she needed to make additional income, she began her entrepreneurial journey on the side. She grew her coaching business to replace her income while working her full-time job and commuting 3-hours a day!  She finally quit in 2020 and went from making $40,000 in her coaching business to making $1 million in 2022. Her story is simply incredible.  Dielle is a certified life coach and 7 figure sales expert for WOC Coaches. She is the host of the Black, Banked, and Booked Out Podcast and runs two sales programs: Five Figure Freedom and Six Figure Liberation.  Make sure to check out all of her amazing teachings here: Diellecharon.com/Podcast  Diellecharon.com/free-training   

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