Podcasts about banking

In this episode, marketing expert Chris Lonergan from Footbridge Media shares proven strategies to help local service businesses stand out, attract better customers, and grow with confidence. Get a Professional Website - Footbridge Media Jarvis Poison Ivy Soap: Click Here Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail The Landscaping Bookkeeper Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

A bank account is a passport to the economy, but some Kiwis can't get onboard. A new scheme aims to change that.Opening a bank account isn't a simple process, and for some people the requirements are too hard. Westpac is trialling a basic account that gets around the rules.…Go to this episode on rnz.co.nz for more details

In Part 2 of this insightful conversation, Jeff Jarvis and his daughter Payton share how their family turned constant poison ivy run-ins on tree jobs into a thriving side business with Jarvis Poison Ivy Soap—offering fast, natural relief trusted by those who live life outdoors. Jarvis Poison Ivy Soap: Click Here Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Want To Learn How To Grow Your Territory?? If so → https://www.newtomedicaldevicesales.com/podcastBreaking into medical device sales, networking for success, finding mentorship, investing in yourself, handling career transitions, balancing work and family, the power of perseverance, personal growth, and lessons from sports and life experiences.Key Takeaways1️⃣ Invest in Yourself – If you're serious about breaking into medical device sales, be willing to invest time and resources into learning and networking.2️⃣ Build Strong Relationships – Networking is key. Focus on building authentic connections instead of just asking for favors.3️⃣ Stay Resilient & Patient – The process can be long and challenging, but success comes to those who stay consistent and persistent.4️⃣ Adopt a Growth Mindset – Always be willing to learn and improve. Every rejection is a lesson that can help you get better.5️⃣ Act Like the Person You Want to Become – Whether it's how you prepare, how you show up, or how you perform, start acting like the high-level rep you aspire to be.00:00 - Start01:07 - Intro02:25 - Who Is Greg Neil06:15 - Managing Blockbuster Was My Cap09:07 - Move Into Banking12:59 - Moving Out Of Banking18:26 - Finding The Program27:28 - Beginnings Of The First Interviews38:37 - How Did Know Medical Device Sales Was The Career For You41:32 - Greg's Advice To Break Into Medical Device Sales

Join us as we sit down with Aniesha Mitchell, VP for Student Affairs at Sacramento State University, about the university's impact on student well-being and the community. Discover the unique challenges students face and the resources available to help them succeed. Don't miss this engaging conversation filled with financial insights and success stories. Be part of the change!

Tune in for expert Cash Flow Management and Liquidity Strategy insights vital for Business Survival and sustainable Business Growth. This Corporate Finance Explained episode delivers essential Corporate Finance principles, focusing on Managing Cash Flow effectively for optimal Financial Health. Learn crucial Financial Management tactics.We analyze Cash Flow Forecasting techniques, strategic Scenario Planning for Finance, and practical Working Capital Optimization. Understand the critical Finance Strategy and Financial Planning differences that separate thriving businesses from those facing Business Failure. Explore why Profitability alone isn't enough without solid Cash Management.Study real-world examples: learn from the Cash Flow Problems leading to failure (Toys R Us, WeWork analysis) and the successful Liquidity Management and Working Capital strategies of industry leaders (Amazon Cash Flow Strategy, Walmart Inventory Management, Apple Cash Reserves). Equip your Finance Team, FP&A Analysts, and Finance Leadership with actionable Financial Analysis and Treasury Management strategies to protect and grow your business.

In this episode, we explore banking basics with our partners at PrimeWay Federal Credit Union.   Host: Darin Baskin, Ed.D. Executive Director, Weekend and Honors College, Instructional Services Guests: Michael Green VP of Business/Community Development and Governmental Affairs PrimeWay FCU Erik Smith Branch Manager – Methodist Location PrimeWay FCU Kelly Chaves Mortgage Sales Manager PrimeWay FCU Web Links: primewayfcu.com   #FinancialLiteracy

Jeff Jarvis shares his inspiring journey from cutting trees solo out of his pickup truck to leading a full-scale tree operation in Arkansas, revealing the real challenges of finding labor, managing growth, and staying sharp in the tough tree service industry. Jarvis Poison Ivy Soap: Click Here Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Bob Chapman, Chairman and CEO, Barry-Wehmiller Kyle Chapman, President, Barry-Wehmiller In this episode of M&A Science, Kison Patel sits down with Bob Chapman and his son Kyle Chapman to explore how Barry-Wehmiller built a $3.6B global business through 140+ acquisitions—by putting people first. Bob, known for pioneering the "Truly Human Leadership" philosophy, and Kyle, who co-founded BW Forsyth Partners, share how culture, transparency, and stewardship shape every deal they do. They dive deep into how Barry-Wehmiller evolved from a broken family business into a global leader in capital equipment and engineering services—and why their approach to M&A prioritizes care for people over financial engineering. From pre-close transparency to post-close adoption, this episode is a masterclass in using M&A as a force for good.   Things You'll Learn Why cultural alignment is more important than revenue synergies in M&A How “Truly Human Leadership” became a core differentiator in their acquisition strategy How to build a scalable M&A machine rooted in values, not just valuation Tactical guidance on structuring buyer-led deals with long-term success in mind _______________ What is the Buyer-Led M&A™ Virtual Summit Only two weeks left to register! This half-day event brings together corporate development leaders and M&A experts to explore Buyer-Led M&A™, showing how you can take control of every stage of the deal. Register Now: DealRoom.net/Summit ________ Episode Chapters [00:00:00] Introduction to the mission behind M&A Science [00:01:30] Barry-Wehmiller's origin story and early business model [00:07:00] Pivot to M&A as a growth strategy after financial struggles [00:10:00] Use of EVA (Economic Value Added) in valuation of private company equity [00:14:00] Building a strategic advantage through people-first culture [00:21:00] Cultural assimilation during acquisitions and why legacy matters [00:27:00] Tactical integration planning with transparency from day one [00:30:00] The evolution from distressed to underperforming acquisitions [00:36:00] Why Barry-Wehmiller doesn't rely on cultural due diligence [00:44:00] Advice for first-time acquirers—what to look for and avoid [00:51:00] Kyle's journey from private equity to leading Barry-Wehmiller [00:54:00] The future vision for Barry-Wehmiller and global impact

Documentary filmmaker and economist James Patrick joins the program to shed light on a critical shift in global finance: the systematic transfer of stock and bond ownership from individuals to centralized institutions. According to Patrick, investors no longer directly own the securities they purchase—instead, they hold paper claims while actual ownership resides with financial intermediaries. He argues this transformation was not accidental, but rather a calculated move to strip individuals of real asset control, amounting to what he calls the largest financial crime in history. Patrick's research is featured in The Great Taking, and those interested in learning more—or in reclaiming personal ownership rights—can visit thegreattakingreport.com.

The payment by the Federal Reserve of interest on bank reserves may sound like an abstruse matter of economic theory, but these payments are critical to bank operations and the Fed's conduct of monetary policy. In the latest  episode — sponsored by Intrafi's Banking with Interest — ABA's Jeff Huther discusses why proposals to end or reduce interest on reserves are misguided. Among other things, Huther discusses: Why ending payments could have a destabilizing effect on the financial sector. Why, under today's accounting practices, the federal government would see no near-term bottom-line boost from capturing those payments. How reducing or eliminating interest on reserves would disproportionately harm community banks. Read more in Huther's ABA DataBank post.

In this special episode of CFI's FinPod, we're joined by our co-founder Scott Powell and founder of “The FP&A Guy,” Paul Barnhurst, to explore how AI, automation, and evolving skill sets reshape careers in FP&A, capital markets, and investment banking.We discuss how tools like ChatGPT are already changing workflows, why Python and Excel are still essential to your skill set, how to stand out in the hiring process, and what finance professionals need to thrive by 2030.

In this week's Live from the Vault, Andrew Maguire raises the stakes on his 2025 gold projections, lifting the target to $4,500 per ounce, as China ramps up physical gold acquisition across state banks, pension funds and insurance firms.With Chinese directives set to absorb up to 40% of global supply, bullion banks and major institutions are rushing to revise their forecasts, while BRICS-led de-dollarisation cements gold as the foundation of a rising global trade system._______________________________________________________________Timestamps: 00:00 Start01:45 Andrew's update on 2025 gold targets and China's physical buying13:40 Major institutions revise gold price forecasts17:35 BRICS gold-backed stablecoin rollout gains traction23:15 Major FX houses report gold attracting significant dollar outflows32:25 Silver market updates and signs of large-scale accumulation in China_______________________________________________________________Ask your questions for Andy here: https://forum.kinesis.money/forums/qu... Sign up for Kinesis on desktop:https://kinesis.money/kinesis-preciou...Download the Kinesis Mobile app - available App Store and Google Play:Apple: https://kms.kinesis.money/signupGoogle: https://play.google.com/store/apps/de...Also, don't forget to check out our social channels where you can stay up to date with all the latest news and developments from the team.X:   / kinesismonetary  Facebook: 

In this special highlight from The Joey Coberly Show, Paul Jamison turns guest as he gets real about the deeper meaning behind life, business, and purpose—offering thoughtful insight in Part 3 of this enlightening Green Industry Podcast crossover. Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Jarvis Poison Ivy Soap: Click Here Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

On this episode of Banking on KC, Bill Zollars, Co-Founder of CEO Academy of Kansas City, joins host Kelly Scanlon to discuss how the Academy is equipping current and aspiring CEOs with the real-world insights, networks and mentorship needed to lead with confidence and community impact. Tune in to discover:Why the CEO Academy was founded and how it continues a legacy of leadership support in Kansas City.The importance of hands-on, peer-led learning from successful CEOs who've “been there, done that.”The broader community and economic ripple effects of strong local leadership development.Insights from Zollars' experience as a CEO.To learn more about the CEO Academy or to apply for the upcoming session, visit the organization's website.Country Club Bank – Member FDIC

Banking on Fraudology is part of the Fraudology Podcast Network.In this eye-opening episode of Banking on Fraudology, host Hailey Windham sits down with Matt Hogan, a seasoned detective with over 16 years of experience fighting white collar and crypto crime. Matt shares his journey from investigating traditional financial crimes to tackling complex crypto fraud cases, offering invaluable insights for both law enforcement and financial institutions.The conversation dives deep into the evolving landscape of financial crime, exploring how old-school investigative techniques still apply in the digital age. Matt emphasizes the importance of collaboration between banks and law enforcement, sharing practical tips on building strong partnerships. He recounts a touching story of a romance scam victim that changed his perspective and fueled his passion for financial crime investigations.Matt also unpacks the latest trends in crypto-related financial crimes, from romance scams and pig butchering to sophisticated money laundering operations. He debunks common misconceptions about crypto investigations and recommends essential tools and resources for aspiring fraud fighters. The episode concludes with Matt's sage advice for newcomers to the field, stressing the importance of continuous learning, teaching others, and building a strong network. Tune in now to arm yourself with the knowledge and inspiration to stay ahead in the fight against fraud.--------------------------------------About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/

In this exclusive highlight from the Joey Coberly Show, Paul Jamison shares how a mower, a mission, and a mic launched The Green Industry Podcast, plus real talk on using social media and algorithms to grow your business online. Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Jarvis Poison Ivy Soap: Click Here Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Artificial intelligence is rapidly transforming the financial landscape, creating new opportunities for innovation while reshaping consumer expectations around speed, personalization, and security. As financial institutions and businesses race to integrate AI capabilities, we're witnessing a fundamental shift in how payments are processed, how fraud is detected, and how financial services are delivered. Today, I'm delighted to welcome Davi Strazza, President of North America at Adyen, a global financial technology platform that's at the forefront of this AI evolution. Davi leads Adyen's North American operations, where the company is leveraging artificial intelligence as a strategic growth driver through initiatives like their recently launched Uplift platform. In our conversation today, we'll explore how Adyen is implementing AI solutions to enable hyper-personalization, enhance fraud detection, and automate complex financial processes. Davi will also share his insights on the state of real-time payments in the US and what companies need to do to make instant payments a more fundamental part of our commerce and financial system.

In the special edition of the Payments Podcast Paymode Series, Paul McMeekin chats with Katie Elliot about how companies can keep fraud at bay and protect their business payments, including mitigating against BEC and check fraud. She also shares tips on trends that businesses should prepare for from a fraud perspective.

How do investors, analysts, and companies decide what a business is really worth? In this deep dive episode of Corporate Finance Explained on FinPod, we unpack the fundamentals of corporate valuation—from enterprise value vs. equity value to the tools used by top professionals.You'll learn how to use DCF analysis, comparable company analysis (CCA), and precedent transactions to value a company—and how FP&A teams use these skills internally to guide smart decisions. We also explore the human side of valuation, how Warren Buffett thinks about “intrinsic value,” and why these concepts matter in your life and career. Whether you're in investment banking, FP&A, or just curious about how valuation works, this episode breaks it all down.

Former banker David Verry is a financial mentor who has been volunteering with prisoners and ex-inmates for years. He joins Emile Donovan.

Today's caller is living the freelance dream—flexible schedule, creative freedom, but… zero employer retirement benefits. If you're self-employed and wondering how the heck you're supposed to save for retirement without a 401(k), this episode is for you. Nicole breaks down the best retirement accounts for freelancers, how to reverse-engineer your savings plan, and how to turn “irregular income” into “regular savings.” Because yes, you can have a dreamy retirement, even without a W-2. To open your Traditional or Roth IRA today, go to public.com/moneyrehab Paid endorsement for Open to the Public Investing, Inc., member FINRA & SIPC. This information is for educational purposes only and is not tax or investment advice. Consult your tax advisor for individual considerations. Visit the IRS website for more information on the limitations and tax benefits of Traditional and Roth IRAs. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. *Terms and Conditions apply.  All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value. See public.com/#disclosures-main for more information. *APY as of 6/20/24, subject to change.

In this unique crossover episode of The Green Industry Podcast, Paul Jamison shares a highlight from his guest appearance on The Joey Coberly Show. Paul opens up about the early days of his lawn care journey—starting out with borrowed equipment and running his business from a beat-up 1997 Honda Accord he was renting. From spilling gas in the rental to realizing his prices were way too low, Paul dives into the hard-earned lessons that taught him the real costs of running a business. This episode is packed with laughs, a little chaos, and serious insights that every aspiring lawn care pro needs to hear. Tune in and learn why knowing your numbers can save your business from sinking. Relay's Online Banking: Click Here Jarvis Poison Ivy Soap: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Today Chris Nichols sits down with Craig Rodenberger, Chief Marketing Officer of Ephrata National Bank. Craig shares how they bank the Amish community and what it looks like to create remarkable experiences for your clients. TAKE THE ARC GUIDED TOUR HERE  The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Jonathan Miller interviews Clifford Starke, Chair of Hampstead Private Capital and CEO of Flora Growth, about the economic climate for investing in the hemp and cannabis industries. If you have questions about the episode or ideas for Hemp related topics, email us at hemplegallyspeaking@fbtlaw.com. Hemp Industry questions covered in the episode: How did you get involved in the hemp and cannabis space?What is the current economic climate for investors in the hemp industry?What advice would you give to an entrepreneur who is seeking capital to grow their business?How would you advise Congress and state legislatures to protect the hemp industry?What are your short term and long term outlooks for the success of the hemp industry?

Send us a textWelcome to the cU 2.0 Podcast Greatest Hits #25.  This show dates back to August 2021 and it aired as episode 162. The guest: Peter Rice, now CEO of Hanscom Federal Credit Union, and then he was Chief Banking Officer at Workers Credit Union.  He came on the show to talk about a new, dazzling branch concept.  You'll hear how Rice's mind works in the show.And a few days after the posting of this Great Hit a new episode with Rice will post where his mind roams among the hot topics in credit unions today.If Joyce's Dubliners is a prequel to Ulysses, this podcast is a prequel to Wednesdays.  Listen up.

Hello, everyone, and welcome back to The Relatable Voice Podcast! I'm so excited about today's episode because we're heading to Canada to speak with a truly inspiring guest. Joining us today is Tong Ge, a talented author with a fascinating background. Tong holds a bachelor's degree in Finance and Banking and a master's in Agricultural Economics, but she has since taken an incredible leap into the world of literature. Her latest book, The House Filler, is out now. Find out more at: https://tong-ge.com/

In this episode, the hosts discuss the current economic climate, addressing concerns about a potential recession and its implications for retirement planning. They emphasize the importance of reviewing retirement plans, understanding economic indicators, and managing expenses effectively. The conversation also highlights common financial pitfalls, such as high-interest debt and unnecessary insurance costs, while offering practical advice for navigating these challenges as one approaches retirement. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Paul Jamison dives into how finding strong mentors and shifting his mindset helped him escape financial struggle and build a thriving lawn care business. Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

“If you're looking for evidence of your failure, you'll find that evidence.” - Jill NowackiWelcome to episode 207 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight.com, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti—a leading payments fintech helping credit unions compete with challenger banks and digital wallets. Alacriti delivers seamless, real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. With a single, cloud-native platform that connects to The Clearing House, Fedwire, ACH, and FedNow, credit unions can modernize without overhauling legacy infrastructure. Learn more at Alacriti.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.In this episode, we discuss a challenge that many of us deal with—imposter syndrome—that annoying voice in your head that's trying to convince you that you aren't good enough and you don't deserve to be here. We talk about how it shows up and shapes how we lead, interact, and self-sabotage.We talk about first jobs—where a “fake it ‘til you make it” mindset was the norm—and moments that made us question if we belonged where we were. Imposter syndrome sometimes hides behind perfectionism, micromanagement, and/or hesitation to take risks, and we discuss what that can do to a workplace culture.Join us as we offer up some tools to help you recognize that it isn't just you—literally everyone is flawed!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book List

Q&A from subscribers of phyle.co  Doug answers about his major influences, experiences in the commodities market, and the best states to live in the U.S. Doug shares a unique perspective on hunting for good investments, the pros and cons of different measurement systems, and potential global economic shifts. He also provides insights into the Canadian banking system, the potential for geopolitical tensions with China, and investments in revenue-generating real estate.  00:00 Introduction and Mentors 06:54 Getting Started in Commodities 09:48 Best US States to Live In 12:12 US Bonds and Dollar Selloff 16:23 Gold as a Safe Haven 17:32 Housing Market Insights 21:04 Metric vs. American System 24:44 Canada's Banking and Economic Concerns 27:30 The Canadian Dilemma: Assets and Expatriation 29:01 Gold's Supercycle: Insights and Speculations 32:04 Debating Antitrust Laws and Market Dynamics 34:30 Investing in Royalty and Streaming Companies 35:47 Exploring Cambodia and Southeast Asia 38:27 Self-Sufficiency in Argentina 40:14 Starting a New Country: Challenges and Possibilities 42:51 Bitcoin vs. Gold: A Financial Debate 45:59 Guyana's Growth and Sociopolitical Landscape 49:40 Potential Hot War with China: Implications 52:24 Real Estate Investments: Doug's Perspective 53:22 Conclusion and Upcoming Projects

In today's Banking With Life Q&A, James answers questions such as, "Why dismiss velocity banking if it helps set the table for IBC?", "Is using a one-year renewable term rider a bad idea?", "What's the core issue with refinancing and losing control of the banking function?", and more! As always, we hope you enjoy and thank you for listening!1. 0:22 - Refinancing now—lack of banking control is the real issue.2. 2:12 - Should a one-year renewable term be part of a policy?3. 5:52 - Why dismiss velocity banking as a bridge to IBC?4. 25:07 - Appreciate BWL—great service and genuine support!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-t...Buy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/produ... (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getti...━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/produ...━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast...Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ / banking-with-life-podcast━━━Follow us on Facebook: ➳ / jamescneathery━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Joe Heck, CEO of Zip, joins me on the Tearsheet Podcast to discuss the evolution of alternative payment solutions in the US. Zip is a leading Buy Now, Pay Later (BNPL) company. Joe shares lessons from his 20 years of experience in consumer lending and fintech payment solutions. Heck brings insights from his previous leadership roles at Happy Money and TrueStage. Heck's background plays a role in his approach to financial services. Growing up in Flint, Michigan, he understands the challenges of paycheck-to-paycheck living. “There's a consumer base largely ignored by traditional financial systems,” Heck explains. “FICO doesn't serve them well, but they have a great ability to pay.” Zip focuses on providing financial flexibility to these consumers. It offers structured repayment plans that don't push them into revolving debt. According to Heck, “We win when the consumer wins. If they can't pay us back, our model doesn't work either.” The Big Ideas BNPL's Growth Potential in the US – With only 2% of payments currently in BNPL, there is significant room for expansion compared to markets like Europe and Australia. Financial Inclusion for Underserved Consumers – Zip is focusing on consumers who don't fit traditional credit models but have strong repayment potential. “We provide access when and where they need it,” says Heck. Strategic Partnerships Drive Accessibility – Integrations with Stripe and retailers like GameStop are making BNPL more available to consumers. A More Transparent Alternative to Credit Cards – Unlike credit cards that encourage revolving debt, BNPL provides structured, predictable payments. “We're not built in a way that traps consumers in debt,” Heck emphasizes. The Role of Cash Flow Management in BNPL's Future – Zip is investing in tools that help consumers manage unpredictable income streams, ensuring more repayment flexibility.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we explain why Fannie Mae fired so many employees earlier this week. Plus, Robbie sits down with STRATMOR Group's Garth Graham to talk about potential clouds looming on the warehouse bank side of things as IMBs continue to post quarterly losses. And we conclude with a look at the market impact of inflation data versus tariff sentiment.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

David Zaring, Wharton Professor of Legal Studies and Business Ethics, discusses the evolving regulatory landscape in the U.S. banking sector, highlighting key contrasts between Biden and Trump-era policies, the uncertain fate of Basel III implementation, and the role of agency discretion in shaping financial oversight. Hosted on Acast. See acast.com/privacy for more information.

Today, we're asking if this is the Democrat's Tea Party moment, we'll look at the scourge of sports betting, and ask if the pace of trends is breaking Gen Z. And to do just that (and more), are returning guests of the podcast: Jody Avirgan and Andrew Ti!——Thank you to this week's sponsors:Found Banking - Open a Found account for FREE at Found.com/FAKETHENATION. Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. Don't put this one off — join thousands of small business owners who have streamlined their finances with Found.Mosh - Head to moshlife.com/FAKETHENATION to save 20% off plus FREE shipping on the Best sellers Trial Pack.——Rate Fake The Nation 5-stars on Apple Podcasts and leave us a review!Follow Negin Farsad on TwitterEmail Negin fakethenation@headgum.comSupport her Patreon ——Host - Negin Farsad——Producer - Andrew McGuire——Theme Music - Gaby AlterAdvertise on Fake The Nation via gumball.fmSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Paul Jamison shares how underpricing his lawn care services early on nearly stalled his business—and how adjusting his rates became the key to long-term success. Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Tracking - CallRail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Our podcast show being released today is Part 1 of a repurposed interactive webinar that we presented on March 24, featuring two of the leading journalists who cover the CFPB - Jon Hill from Law360 and Evan Weinberger from Bloomberg. Our show began with Jon and Evan chronicling the initiatives beginning on February 3 by CFPB Acting Directors Scott Bessent, Russell Vought and DOGE to shut down or at least minimize the CFPB. These initiatives were met with two federal district court lawsuits (one in DC brought by the labor unions who represents CFPB employees who were terminated and the other brought in Baltimore, MD by the CFPB and others) challenging one or more of these initiatives. Jon and Evan described the lawsuits in detail. While the Baltimore lawsuit was dismissed on the basis of lack of ripeness under the Administrative Procedure Act, Judge Amy Berman Jackson issued a TRO freezing the CFPB from terminating more CFPB employees through the end of March while she decides whether to enter a further injunction with respect to the CFPB's initiatives. Ballard Spahr partners, Rich Andreano and John Culhane, then gave an up-to-date status report on CFPB (a) final rules being challenged in litigation and/or eligible to be challenged under the Congressional Review Act; (b) final rules not being challenged in litigation which may be repealed or amended or whose effective or compliance dates may be extended under the Administrative Procedure Act; (c) proposed rules; and (d) non-rule written guidance. Rich and John paid particular attention to the following final rules: 1.  The Small Business Loan Data Collection and Reporting Rule under Section 1071 of      Dodd-Frank 2.  The Non-bank enforcement order Registry Rule 3.  The Fair Credit Reporting Act “Data Broker” Rule 4.  The Residential Property Assessed Clean Energy (PACE) Financing Rule 5.  The Residential Mortgage Servicing Proposed Rule 6.  Credit Card Penalty fees under Reg Z (Late Fee Rule) 7. Personal Financial Data Rights (Open Banking) Rule under Section 1033 of Dodd-Frank 8.  Overdraft Lending Rule Applicable to very large financial institutions 9. Prohibition on creditors and consumer reporting agencies reporting medical debt under Reg V Part 1 of our podcast concludes with Rich and John describing the fact that supervision and examination of banks and non-banks is apparently on hold. This podcast show was hosted by Alan Kaplinsky, the former practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel.

In this episode, Craig Zelizer talks with Ilco van der Linde, a Dutch social entrepreneur, storyteller, and founder of multiple global movements including Dance for Life, MasterPeace, and Ocean Love. From organizing some of the largest public festivals in the Netherlands to driving emotional, community-rooted innovation for ocean protection, Ilco shares what it takes to build movements that not only spark change but sustain it. This conversation explores personal and planetary transformation, how movements scale, and why love—and not fear—is often the most powerful catalyst for action. Whether you're leading a social enterprise, working in climate, or figuring out how to live with purpose, this episode offers hard-earned wisdom, strategy, and inspiration. Why take a listen Ocean Love Innovation Awards: What it means to build the most inclusive global initiative to spark solutions for our oceans—open to individuals and teams from any background, anywhere in the world Turning pain into purpose: How Ilco's experience as a diver witnessing coral bleaching and plastic-filled oceans led him to launch a new global platform Sustainable change requires systems thinking: From individual behavior to corporate accountability and government policy, what levers really shift the needle Practical optimism: How to lead without burning out, stay grounded in values, and work in ways that regenerate both the planet and yourself Building social movements with soul: Reflections on 40 years of activism and organizing—from HIV prevention to global peacebuilding to climate Advice for impact careers: Ilco shares tips for launching bold projects, building teams, attracting funding, and learning to live with financial and emotional uncertainty Resources from the podcast Ocean Love Innovation Award Open to applicants worldwide until September 30, 2025. Seeking creative, actionable ideas that protect oceans, rivers, biodiversity, or marine life. More info and to apply: https://oceanlove.news Ocean Love on Instagram For visual stories, campaign updates, and community calls: https://www.instagram.com/oceanlovenews Mandela House, Amsterdam A hub for social change, community, and cultural programming built on the values of Ubuntu. Visitors welcome. Website: https://mandelahuisje.nl Dance for Life Global youth movement using music and dance to promote sexual and reproductive health. https://www.dance4life.com MasterPeace Creative peacebuilding movement in over 50 countries connecting young people through music, art, and dialogue. https://masterpeace.org WaterBear Network Free streaming platform focused on environmental films and documentaries. https://waterbear.com Sea Shepherd Mentioned during the episode as a partner in ocean protection and direct action. https://seashepherd.org Project Drawdown Cited as a source for climate solution frameworks. https://drawdown.org Carbon Collective Example of climate-aligned investing referenced in the conversation. https://www.carboncollective.co Global Alliance for Banking on Values For those interested in ethical banking and investment. https://www.gabv.org More from PCDN Subscribe to the PCDN Career Digest Daily or weekly, human-curated global opportunities—jobs, fellowships, events, funding, and more for social impact professionals. https://pcdn.global/subscribe Listen to the Social Change Career Podcast Over 180 episodes with social entrepreneurs, changemakers, and innovators from 30+ countries. https://pcdn.global/listen Subscribe to the AI for Impact Newsletter Explore ethical AI tools, impact jobs, funding, and stories at the intersection of tech and purpose. https://impactai.beehiiv.com BIO Ilco van der Linde is a Dutch social entrepreneur, storyteller, and movement builder. He is the founder of the Bevrijdingsfestivals (Liberation Day Festivals), which attract over 1 million annual visitors in the Netherlands. He co-founded dance4life, active in 30 countries, and MasterPeace, a global peacebuilding initiative in 50 countries He also founded the Mandela House in Amsterdam, a hub for community and social impact; authored Be a Nelson (Lemniscaat); and writes for The Optimist magazine and National Geographic Travel. His latest initiative, OceanLove, along with the OceanLove Innovation Award, is a global platform mobilizing emotional connection and action to protect the ocean. The work is rooted in one core belief: people protect what they love—and lasting change starts from the heart.  

We'd love to hear from you. What are your thoughts and questions?In this conversation, Dr. Allen Lomax and Bill Westrom delve into the complexities of family finances, exploring Bill's unique journey into financial strategy and the revolutionary concept of Credit Line Banking. They discuss the alarming state of consumer debt in America, the misconceptions surrounding traditional financial advice, and the importance of understanding money flow within the economy. Bill emphasizes the need for a paradigm shift in how individuals manage their finances, advocating for education over mere assistance in financial matters. In this conversation, Bill discusses the flaws in the traditional banking system and presents his innovative approach to managing money through 'Credit Line Banking.' He emphasizes the importance of changing the flow of money, understanding sweep accounts, and leveraging financial strategies to reduce debt and interest costs. Bill also outlines his unique service offering, which includes a personalized approach to financial education and a six-month guarantee for his clients.Main Points: Bill Westrom's journey into financial strategy was accidental but driven by passion.Teaching financial literacy is more impactful than simply providing help.The economy's health is directly tied to individual money flow.Consumer debt in America has reached alarming levels, with many struggling to manage it.Debt is often misunderstood; it's the repayment terms that create issues.Traditional financial advice may not serve the best interests of consumers.Understanding the real cost of debt is crucial for financial health.The average American faces significant deductions from their income due to taxes and debt payments.Financial strategies should be reevaluated to better serve consumers' needs.The banking system operates on a model that may not be transparent to consumers. Bankers often operate like hedge funds, focusing solely on profit.Changing the flow of money is key to financial success.Interest rates are less important than the balance owed.Sweep accounts can help manage idle money effectively.Consumer banking strategies can be enhanced by executive banking techniques.Establishing a 'bill payday' simplifies financial management.Manipulating the flow of money can lead to significant interest savings.Bill's service is personalized and focuses on individual financial situations.A six-month guarantee ensures accountability in Bill's program.Continuous learning is essential for financial empowerment.Connect with Bill Westrom:bill@truthinequity.comhttps://truthinequity.comhttps://www.linkedin.com/in/bill-westrom-49898317/https://www.facebook.com/bill.westrom.9/https://x.com/billyjelly?lang=bg

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go around the industry to bring you the latest chatter in the hallways of conferences. Plus, Robbie sits down with Figure's Anthony Stratis to talk about what's driving lender demand for embedded tech, how rising tariffs are impacting the HELOC market, and he gives listeners a sneak peek at what's next: from debt paydown tools to first lien and DSCR expansion. And we conclude with a look at how the whims of President Trump are driving market movement.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

ABA's Washington Summit just wrapped up, and this episode — sponsored by Intrafi's Banking with Interest — features a main stage conversation with Travis Hill, acting chairman of the FDIC. In this episode, Hill discusses: Revisions to the FDIC's supervisory appeals process. Transparency in bank merger reviews by regulators. The future of bank capital policy after the Basel III “endgame.” Ethics and operational improvements at the FDIC.

Hi. Uh oh! In this episode – which we wrote and shot before the current tariff/market troubles – we look at how the U.S. and other nations measure economic success, and how that often doesn't square with our individual experiences of The Economy. Get the world's news at https://ground.news/SMN to compare coverage and see through biased coverage. Subscribe for 40% off unlimited access through our link.Hosted by Cody JohnstonExecutive Producer - Katy StollDirected by Will GordhWritten by Helen FloershAdditional Material by Cody JohnstonProduced by Jonathan HarrisEdited by Gregg MellerPost-Production Supervisor / Motion Graphics & VFX - John ConwayResearcher - Marco Siler-GonzalesGraphics by Clint DeNiscoHead Writer - David Christopher BellPATREON: https://patreon.com/somemorenewsMERCH: https://shop.somemorenews.comYOUTUBE MEMBERSHIP: https://www.youtube.com/channel/UCvlj0IzjSnNoduQF0l3VGng/joinJoin thousands of small business owners who have streamlined their finances with Found. Open a Found account for FREE at https://found.com/morenews – Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC.Subscribe today to get a 1-month supply of AG Omega-3 with your first AG1 order! You'll also get their Welcome Kit with everything you need to get started on your AG1 journey. So make sure to check out DrinkAG1.com/morenews to claim this special offer. That's http://drinkAG1.com/morenews.You can get 50% off a new SimpliSafe system with professional monitoring and your first month free at https://SimpliSafe.com/morenews (60-day satisfaction guarantee or your money back.)Control Body Odor ANYWHERE with @shop.mando and get $5 off off your Starter Pack (that's over 40% off) with promo code MoreNews at http://shopmando.com! #mandopodSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed Proulx returns to discuss the growing impact of social media on the lawn care industry and how Pro Parts Direct supports professionals both on the job and online. Pro Parts Direct: Click Here Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Rail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

On this episode of Banking on KC, Jenna Giess, Executive Director of Hope Haven of Cass County, joins host Kelly Scanlon to discuss the services and support Hope Haven provides to survivors of domestic and sexual violence. Tune in to discover:How Hope Haven's 24/7 emergency shelter and crisis hotline provide immediate safety and assistance.The importance of personalized services such as case management, court advocacy and counseling in helping survivors rebuild their lives.How community education and outreach efforts empower families, friends and businesses to support survivors effectively.Country Club Bank – Member FDIC

This week, Rosie Grant (TikTok and writer) will discuss recipes, a cursed ring, and the Mothman. We will also hear a listener's story from Brady about feeling a presence on the way to take a shower.Please send us your own true paranormal experiences in either a voice memo or e-mail to funnyfeelingpod@gmail.com. Found - taxes and banking for freelancers. Open a Found account for FREE at Found.com/FUNNYFEELING. Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. Don't put this one off — join thousands of small business owners who have streamlined their finances with Found.Advertise on A Funny Feeling via Gumball.fmSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Ed Proulx of Pro Parts Direct shares how their massive inventory and customer-first approach help landscaping pros save time, money, and headaches when sourcing essential parts. Pro Parts Direct: Click Here Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Rail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

The number of animals in this episode is astonishing. The number of laughs in this episode is obscene. The content is negligible! But, you will enjoy this... Or Else! Support the show and use code PEP on MyBookie to double your money instantly on your 1st deposit. Head to https://www.mybookie.ag/ Watch Eddie & Kevin Live on April 27th at 7:00 at the Hollywood Improv Tickets: https://shorturl.at/21kbt Support the Amazon Strike: https://www.amazonlaborunion.org/strike-fundraising Go to www.eddiepepitone.com for show dates and all things Eddie Check out our full videos on YouTube: https://shorturl.at/mpsIL For additional content support Eddie on Patreon: www.patreon.com/eddiepepitone Please write us a review on iTunes https://tinyurl.com/mv57us2d Watch The Bitter Buddha the documentary by Steven Fienartz about Eddie. https://www.justwatch.com/us/movie/the-bitter-buddha Send emails to: EddiePepPodcast@gmail.com Follow Eddie on Twitter: @EddiePepitone Instagram: @EddiePep Follow Kevin @KevinTienken Thank you to Allen Mezquida for our beautiful artwork

Marty sits down with Tom Luongo to discuss the impact of Trump's tariffs.Tom Luongo on Twitter: https://x.com/TFL1728Tom Luongo's Website: https://tomluongo.me/0:00 - Intro0:36 - Breaking down the tariffs13:24 - Fold & Coinkite15:01 - Trump and Bessent's messaging19:11 - EU and British psyops30:33 - Red tape is falling, corporate press floundering36:47 - Unchained Event37:12 - Helping American economy39:39 - Debt based colonialism, financial warfare48:00 - Closing the arbitrage55:33 - Prioritising the correct enemies1:01:15 - Trump media strategy 1:08:25 - Overthrowing managerial class1:14:52 - Biggest risk is a forced war1:19:38 - Deshittification1:23:56 - Bitcoin and miningShoutout to our sponsors:Foldhttps://tftc.io/foldCoinkitehttps://coinkite.comUnchainedhttps://unchained.com/tftc/Join the TFTC Movement:Main YT Channelhttps://www.youtube.com/c/TFTC21/videosClips YT Channelhttps://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQWebsitehttps://tftc.io/Twitterhttps://twitter.com/tftc21Instagramhttps://www.instagram.com/tftc.io/Nostrhttps://primal.net/tftcFollow Marty Bent:Twitterhttps://twitter.com/martybentNostrhttps://primal.net/martybentNewsletterhttps://tftc.io/martys-bent/Podcasthttps://www.tftc.io/tag/podcasts/

Paul Jamison shares how implementing the Profit First method and setting up five key bank accounts helped him finally pay himself properly and take control of his lawn care business finances. Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Rail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.