Podcasts about banking

Our expert hosts, Benjamin Ensor and Kate Moody, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. We cover the following stories from the fintech and financial services space: London pension fintech Smart gears up for deals after $95m funding injection - 5:00 Robinhood launching 24-Hour weekday stock trading - 17:45 Tiger Global looks to cash in part of $40bn portfolio of private companies - 28:40 M-KOPA snaps up $250M+ debt, equity for its asset financing platform - 37:50 More red faces at Revolut after boss accidentally hits the wrong phone button, sparking a probe - 46:55 ZestMoney founders resign in wake of failed sale - 48:55 George Osborne to chair Italian investment firm Lingotto - 51:00 This week's guests include: Dan Barker, Chief Marketing Officer, Smart Sophie Winwood, Investment Principal, Anthemis This episode is sponsored by Thredd Global Processing Services (GPS), the payments platform trusted by the leading issuers to process billions of transactions a year, has changed their name to Thredd. Why Thredd? Thredd, because their tailored payment processing solutions are the thread that connects payments innovators of the future. Thredd, because they are true partners, becoming part of the fabric of your business as it grows. And Thredd because it just feels right. Find out more at Thredd.com. (https://www.thredd.com/?utm_source=newsletter&utm_medium=email&utm_campaign=bitesize+thredd&utm_id=11fs) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Send us your questions for the Fintech Insider Mailbag here (https://11fscompany.typeform.com/to/kBMan5qL?typeform-source=t.co) Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Dan Barker and Sophie Winwood.

On this episode of "The Federalist Radio Hour," Tho Bishop, communications director for the Mises Institute, joins Federalist Staff Editor Sam Mangold-Lenett to discuss U.S. fiscal policy, the weaponization of banking, and the role cryptocurrency could play in coming years.

It's another Indicator Quiz episode! We bring a listener onto the show and test their econ knowledge. This time around, the quiz is all about the banking system and its recent troubles.Are you interested in being a contestant on our next Indicator Quiz? Just email us your name and phone number at indicator@npr.org and put "Indicator Quiz" in the subject line. You have until the end of the day, Monday (05/29), to enter.

On this episode of The Table with Anthony ONeal, Precious Price joins to share her secret to generating extra income with tiny houses. With a creative mindset and a passion for unconventional living, she has managed to hack her way into living rent-free while earning money on the side. Through her journey, she has become an expert in the tiny house movement and now shares her knowledge and experiences with others. In this video, she will guide you through some of the steps she took to start her own consulting business, including finding affordable land, designing and building tiny houses, and marketing them for profit. But it doesn't stop there, She also reveals her strategies for living rent-free by leveraging unique housing opportunities and reducing expenses. If you're looking to boost your income, learn about the tiny house movement, or simply explore alternative living arrangements, this video is a treasure trove of insights and inspiration. Join us as she shares her story and teaches you how to create your own path to financial freedom through tiny houses. Mentioned On Today's Show:

Douglas G. Duncan is Senior Vice President and Chief Economist at Fannie Mae where he is responsible for forecasts and analyses of the economy and the housing and mortgage markets. Duncan also oversees strategic research regarding the potential impact of external factors on the housing industry. He leads the House Price Forecast Working Group reporting to the Finance Committee. Under his leadership, Fannie Mae's Economic & Strategic Research Group (ESR) won the NABE Outlook Award, presented annually for the most accurate GDP and Treasury note yield forecasts, in both 2015 and 2016 – the first recipient in the award's history to capture the honor two years in a row. In addition, ESR was awarded by Pulsenomics for best home price forecast. Named one of Bloomberg/BusinessWeek's 50 Most Powerful People in Real Estate, Duncan is Fannie Mae's source for information and analyses on demographics and the external business and economic environment; the implications of changes in economic activity on the company's strategy and execution; and for forecasting overall housing, economic, and mortgage market activity. Prior to joining Fannie Mae, Duncan was Senior Vice President and Chief Economist at the Mortgage Bankers Association. His experience also includes work on the Financial Institutions Project at the U.S. Department of Agriculture and service as a LEGIS Fellow and staff member with the Committee on Banking, Finance, and Urban Affairs for Congressman Bill McCollum in the U.S. House of Representatives. Duncan received his Ph.D. in Agricultural Economics from Texas A&M University and his B.S. and M.S. in Agricultural Economics from North Dakota State University.The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

Our expert hosts, Benjamin Ensor, is joined by some great guests to ask: "Could 'mortgages as a service' mark the future of homebuying?" This week's guests include: Andrew Lloyd, Chief Customer Officer, Pexa UK Ewan Silver, Group CTO, 11:FS Francesca Carlesi, Co-Founder & CEO, Molo Finance We see embedded finance and banking as a service (or BaaS) as one of the next big evolutions in financial services - whether that's embedded lending, payments, or insurance. But buying a house remains the biggest and most significant purchase of most people's lifetimes - and the mortgage process remains a complete headache in most countries. Could partnerships between fintechs, banks, and non-financial players – where mortgage services are embedded at the point of need - be the answer? Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Andrew Lloyd, Ewan Silver, and Francesca Carlesi.

This episode is sponsored by EY.Join Michael Casey and Sheila Warren on this episode of “Money Reimagined,” as they delve into the multifaceted world of digital money and explore the intricate dynamics that shape its scene with Head of Policy and Government Relations Riccardo Ricchi of The Payments Association located in the UK. Together they unravel the differences between stablecoins, cryptocurrencies, and CBDCs, shedding light on the diverse forms of digital currencies that exist. Data privacy and surveillance concerns take center stage as they discuss the implications of a digitized monetary system on personal information and surveillance practices. Their conversation will take you on a journey through the evolution of Bitcoin and stablecoins, recognizing their significance as the next generation of money.Finally, the role of regulation is examined in embracing programmable digital assets and the challenges and opportunities it presents in this ever-evolving financial landscape. Join us as we explore these thought-provoking topics and navigate the exciting future of digital money.SUMMARY: Introduction to, central bank digital currencies, stablecoins and crypto. (0:00)Innovation is unstoppable, it's happening. (2:44)Differences between stablecoins, CBDCs and crypto. (8:06)Programmable money and digital money. (13:48)The conflation of programmable money. (16:21)The idea of choice in India. (22:55)The impact of CBDCs on banks. (27:29)Banking disintermediation. (29:36)The Policy Crisis. (33:08)LINKS: thepaymentsassociation.orgArticle from CD: Crypto Industry Asks UK to Think Globally as Government Closes Consultation on Proposed RuleFrom our Sponsor: EY blockchain solutions can transform the business lifecycle for digital ecosystems, by promoting trust, transparency, privacy and efficiency. EY: Helping you build a better working world. Find out more at blockchain.ey.comMoney Reimagined has been produced and edited by senior producer Michele Musso and our executive producer is Jared Schwartz. Our theme song is “AITA” by Neon Beach.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, our host, Josh Benadiva, engages in a meaningful conversation with Sankaet Pathak, Founder and CEO of Synapse. They discuss Sankaet's journey from establishing the foundation of embedded finance and banking-as-a-service to scaling the company since its inception in 2014. Sankaet shares his insights on creating a startup within the embedded finance sector, his perspectives on hiring and product development, and strategies for centering teams and company efforts around a cohesive vision. Sankaet Pathak wears the hat of the founder and CEO of Synapse, a leading banking-as-a-service provider. His journey with Synapse began in 2014 during his Master's degree at the University of Memphis and has since blossomed into a remarkable success story. Synapse, a comprehensive banking-as-a-service platform, offers a range of services such as payment, card issuance, deposit, lending, compliance, credit, and investment products in the form of APIs to over 15 million end users. Boasting an annualized transaction volume of $67 billion and $11 billion in assets under management across its platform, Synapse has garnered over $50 million in funding from renowned venture firms like Andreessen Horowitz, 500 Startups, and Trinity Ventures.

Aneesa Husain is as proactive a Muslimah as we've ever met, and we LOVE it. She joins us on our Muslim Moms Overcoming Infertility series this month and has the deets on a few of the reasons why women pursue egg freezing, how to get the process started, and special considerations. We apologize for the coughing because #allergies, and the slight echo because #audiotech sometimes stinks. You can totally stand both because this is MUST KNOW info.We are getting A LOT of DMs and comments about the legality of fertility options in Islam, and we continue to urge everyone to find their trusted imam for those answers. WE are not qualified to speak on that. But we give space to everyone to share her story, and if it offends you, then it's probably not for you. If it worries you, it's meant to. If we aren't worrying about these issues as Muslim Americans, then we are doing something wrong. Please don't drop your fatawa here because we have imams who do that for us when we ask them for help.Tune in at 6pm EST on Apple podcasts, Stitcher, Amazon Music, or head directly to our website. Find the Shownotes on your podcast app for the helpful links you'll want for resources and links.Links: 1. Learn more about Kindbody IVF & Islamic POV white paper by Fordham University2. How IVF WorksEthics of SurrogacyIslamic POV on IVF by Sh. Yasir Qadhi3. Sign up for Moms Demand Action to reform gun legislation4. Aneesa's book recommendation: The Moment of Lift by Melinda Gates5. Web: www.mommyingwhilemuslim.com6. Email: salam@mommyingwhilemuslim.com7. FB: Mommying While Muslim page and Mommyingwhilemuslim group8. IG: @mommyingwhilemuslimpodcastYouTube: https://www.youtube.com/channel/UCrrdKxpBdBO4ZLwB1kTmz1wSupport the showWeb: www.mommyingwhilemuslim.comEmail: salam@mommyingwhilemuslim.comFB: Mommying While Muslim page and Mommyingwhilemuslim groupIG: @mommyingwhilemuslimpodcastYouTube: https://www.youtube.com/channel/UCrrdKxpBdBO4ZLwB1kTmz1w

Andrew Ross Sorkin shares his thoughts on the second-order effects of the banking crisis, recent media events, and AI. We also learn how Andrew is balancing work and time with his family. Follow Andrew on Twitter, @andrewrsorkin.  Scott opens by discussing Vice's bankruptcy, and what it means for buzzy news sites. Plus, he shares his thoughts on the writers' strike. Algebra of Happiness: just listen.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Late Learner podcast, Alison Hare, a former corporate executive talks about her journey to explore her relationship with God through a year-long program called Re:new, with her mentor Marilyn O'Neill. They host Father Dennis Dorner, a young Catholic priest in Atlanta, to help answer tough questions about faith, Christianity, and hypocrisy in the church. The episode also features a list of the top five most beautiful churches in the world ranked by travel experts.Timestamps[00:03:09] Catholic traditions and the environment.[00:04:55] Unexpected path to priesthood.[00:07:45] Marginalization within the Catholic Church.[00:13:45] What is faith? [00:15:11] Fear of God[00:18:51] Marginalization and pridefulness.[00:22:33] Love and Homelessness.[00:25:39] Helping the homeless.[00:29:42] What is a good Christian?[00:32:51] Caring for each other.[00:39:44] Identity and self-discovery.[00:40:52] Gender identity and faith.[00:44:11] Gender affirming care importance.[00:47:57] Inclusivity in church.[00:51:29] Cultural Clash at a School.[00:54:16] Diversity in Gathering.[00:57:47] Teaching in College.[01:01:25] Learning and growing older.[01:07:33] Meat-free Fridays and the environment.Are you a mother and ready for a new chapter? Book a free exploratory call here.LINKS and resources mentioned:Father Dennis on Late Learner Podcast- EP12; Catholic Priest Breaking Convention and  Building on LoveEP55: Father Dennis Living with Intention in a Time of CrisisFather Dennis Dorner, Jr on IGCatholic Shrine of the Immaculate ConceptionRe:New Mentorship through Buckhead ChurchThe Good STUFF (Surprisingly True Useful Fun Facts) Research Sources: #1:  Top 5 Most Beautiful Churches in the World#2: Catholic tradition can help save our planetALLISON HARE'S LINKS:EFFECTIVE COLLECTIVE MOTHER MASTERMIND: Schedule a free exploratory call here.AllisonHare.com - Late Learner Podcast, personal journal and blog, danceInstagram - Steps to heal yourself, move society forward, and slinging memes and dancing (seriously, Allison is also a dance fitness instructor)Late Learner IGYouTube ChannelBlog - quick, way more personal, deeper topics - make sure to subscribeTikTok - documenting my journey one lo-fi video at a timeReb3l Dance Fitness - Try it at home! Free month with this link.Personal Brand - need help building yours? Schedule a call with me here and let's discuss.Feedback and Contact:: allison@allisonhare.com

Are you a business owner looking to take your success to the next level? In this episode, we dive deep into the power of bookkeeping and how it can unlock new opportunities for your business. Discover practical strategies, tips, and tools to streamline your financial processes and make informed decisions that drive growth. Don't miss out on harnessing the true potential of bookkeeping! Join us on a journey to unlock the secrets of business success through the power of bookkeeping. We explore the indispensable role of bookkeeping in managing your finances, tracking performance, and optimizing profitability. From setting up a solid bookkeeping system to leveraging technology and data analysis, we provide valuable insights and expert advice to empower you as a business owner. Get ready to unleash your full potential! Welcome to another episode of B2B Vault - The Payment Technology Podcast. , we will delve into the world of business ownership and provide valuable insights to help business owners thrive. While bookkeeping is not the most glorious aspect of running a business is one of the most important things you need for success and growth, and it is crucial when tax time arrives.  What does bookkeeping do for your business? Privies a financial snapshot   Recording transactions   Banking  Credit Cards – paying bills  Writing checks or paying by ACH  Tracks all of your bank accounts  Income   Spending   What tools can you use?  Quickbook  Xero   Freshbooks  Zoho   To name a few   Accurate bookkeeping is important!   You can get a good picture of your business   Profit and loss statement  Balance Sheets  Money owed  When will you need this info?   When you want to get a better merchant account    Lower rates  Loans  Need an investor   If you have a retail store or restaurant – it is good to use a point-of-sale system and track your inventory.   Track your buying and plan  Find out your best-selling items   When are your peak sales days   Payroll is another aspect of bookkeeping.   Pay yourself – many who did not – did not get PPP money.  You can make better business decisions – and understand your cash flow.  Save money on merchant fees – get higher limits on your merchant account.  Attract an investor  Makes it easy to work with a bookkeeper – CPA – Accountants   They will cost you less money – as there will be less for them to do when you have good financial records saving you money and making thing more efficient. 

May 16, 2023 – Starting last year, after conducting a comprehensive study, market analyst Avi Gilburt began warning of troubles to hit the banking sector. Today, he speaks with FS Insider to get an update on his outlook for the wider banking system...

Patricia & Christian talk to acclaimed author and activist Cory Doctorow, about his new crypto heist thriller “Red Team Blues”, and the real-world money mechanics and shady shenanigans that inform the story.   Please help sustain this podcast! Patrons get early access to all episodes and patron-only episodes: https://www.patreon.com/MMTpodcast     Order “Red Team Blues” here: https://craphound.com/shop/   LIVE EVENT! Christian will be interviewing Cory Doctorow in Nottingham (UK!) on Tuesday 30th May 2023, tickets here: https://www.waterstones.com/events/an-evening-with-cory-doctorow/nottingham     All our episodes in chronological order: https://www.patreon.com/posts/43111643   Patron-only episodes: https://www.patreon.com/posts/57542767   Patron-only GIMMS Book Launch Presentations [audio]: Daniel Kostzer on Argentina's “Jefes de Hogar” Public Employment Programme: https://www.patreon.com/posts/gimms-book-on-de-82501900 Phil Armstrong On Useful Economists: https://www.patreon.com/posts/gimms-book-phil-82502071 Neil Wilson On How The Government Spends: https://www.patreon.com/posts/gimms-book-neil-82502270   Order the Gower Initiative's “Modern Monetary Theory - Key Insights, Leading Thinkers” (2023): https://www.e-elgar.com/shop/gbp/modern-monetary-theory-9781802208085.html     Relevant to this episode: All our episodes with Cory Doctorow: https://www.patreon.com/posts/41970049 Cory's podcast: https://craphound.com/podcast/ Cory's upcoming live events: https://craphound.com/category/redteamblues/ We talk a little more in-depth about crypto tokens as “proof of work” and “proof of stake” in this episode: Episode 135 - Cory Doctorow: Blockchain, Bitcoin & Selling The Brooklyn Bridge: https://www.patreon.com/posts/68946334 “The Inevitability of Trusted Third Parties” by Cory Doctorow: https://onezero.medium.com/the-inevitability-of-trusted-third-parties-a51cbcffc4e2 Cory mentions previous guest Daniel Kostzer likening capitalism to a car with no steering wheel being driven at high speed down a road - that's from this episode: https://www.patreon.com/posts/episode-169-job-82743393 Cory mentions the inspirational economist and teacher Dr Fadhel Kabuob - here are all our episodes with him: https://www.patreon.com/posts/43484621  Cory mentions our episode on tally sticks and the history of UK exchequer with Richard Tye. It's great! Have a listen here: https://www.patreon.com/posts/episode-167-tye-81601103 “Tiktok's enshittification” by Cory Doctorow: https://pluralistic.net/2023/01/21/potemkin-ai/     For an intro to MMT: Our first three episodes: https://www.patreon.com/posts/41742417 Episode 126 - Dirk Ehnts: How Banks Create Money: https://www.patreon.com/posts/62603318   Quick MMT reads: Warren's Mosler's MMT white paper: http://moslereconomics.com/mmt-white-paper/ Steven Hail's quick MMT explainer: https://theconversation.com/explainer-what-is-modern-monetary-theory-72095 Quick explanation of government debt and deficit: “Some Numbers Are Big. Let Me Help You Get Over It”: https://christreilly.com/2020/02/17/some-numbers-are-big-let-me-help-you-get-over-it/     For a short, non-technical, free ebook explaining MMT, download Warren Mosler's “7 Deadly Innocent Frauds Of Economic Policy” here: http://moslereconomics.com/wp-content/powerpoints/7DIF.pdf       Episodes on monetary operations: Episode 20 - Warren Mosler: The MMT Money Story (part 1): https://www.patreon.com/posts/28004824 Episode 126 - Dirk Ehnts: How Banks Create Money: https://www.patreon.com/posts/62603318 Episode 13 - Steven Hail: Everything You Always Wanted To Know About Banking, But Were Afraid To Ask: https://www.patreon.com/posts/41790887 Episode 43 - Sam Levey: Understanding Endogenous Money: https://www.patreon.com/posts/35073683 Episode 84 - Andrew Berkeley, Richard Tye & Neil Wilson: An Accounting Model Of The UK Exchequer (Part 1): https://www.patreon.com/posts/46352183 Episode 86 - Andrew Berkeley, Richard Tye & Neil Wilson: An Accounting Model Of The UK Exchequer (Part 2): https://www.patreon.com/posts/46865929      Episodes on inflation: Episode 7: Steven Hail: Inflation, Price Shocks and Other Misunderstandings: https://www.patreon.com/posts/41780508 Episode 65 - Phil Armstrong: Understanding Inflation: https://www.patreon.com/posts/40672678 Episode 104 - John T Harvey: Inflation, Stagflation & Healing The Nation: https://www.patreon.com/posts/52207835 Episode 123 - Warren Mosler: Understanding The Price Level And Inflation: https://www.patreon.com/posts/59856379 Episode 128 - L. Randall Wray & Yeva Nersisyan: What's Causing Accelerating Inflation? Pandemic Or Policy Response?: https://www.patreon.com/posts/63776558   Job Guarantee episodes:  Episode 4 - Fadhel Kaboub: What is the Job Guarantee?: https://www.patreon.com/posts/41742701 Episode 47 - Pavlina Tcherneva: Building Resilience - The Case For A Job Guarantee: https://www.patreon.com/posts/36034543 Episode 148 - Pavlina Tcherneva: Why The Job Guarantee Is Core To Modern Monetary Theory: https://www.patreon.com/posts/episode-148-why-73211346 Quick read: Pavlina Tcherneva's Job Guarantee FAQ page: https://pavlina-tcherneva.net/job-guarantee-faq/     Episodes on government bonds (and “vigilantes”): Episode 30 - Steven Hail: Understanding Government Bonds (Part 1):https://www.patreon.com/posts/29621245 Episode 31 - Steven Hail: Understanding Government Bonds (Part 2): https://www.patreon.com/posts/29829500 Episode 143 - Paul Sheard: What Is Quantitative Easing?: https://www.patreon.com/posts/71589989?pr=true Episode 147 - Dirk Ehnts: Do Markets Control Our Politics?: https://www.patreon.com/posts/episode-147-dirk-72906421 Episode 144 - Warren Mosler: The Natural Rate Of Interest Is Zero: https://www.patreon.com/posts/71966513 Episode 145 - John T Harvey: What Determines Currency Prices?: https://www.patreon.com/posts/72283811?pr=true   More on Silicon Valley Bank and bank runs: Episode 162 - Warren Mosler: Anatomy Of A Bank Run: https://www.patreon.com/posts/80157783?pr=true Episode 163 - L. Randall Wray: Breaking Banks - The Fed's Magical Monetarist Thinking Strikes Again: https://www.patreon.com/posts/80479169?pr=true Episode 165 - Robert Hockett: Sparking An Industrial Renewal By Building Banks Better: https://www.patreon.com/posts/81084983?pr=true MMT founder Warren Mosler's Proposals for the Treasury, the Federal Reserve, the FDIC, and the Banking System: https://neweconomicperspectives.org/2010/02/warren-moslers-proposals-for-treasury.html     MMT Events And Courses In 2023: More information about Professor Bill Mitchell's MMTed project (free public online courses in MMT) here: http://www.mmted.org/ Apply for Dr Dirk Ehnts' Modern Monetary Theory and European Macroeconomics course at Maastricht University (July 31st - August 4th) here: https://maastricht.dreamapply.com/courses/course/183-modern-monetary-theory-and-european-macroeconomics Details of Modern Money Lab's online graduate and postgraduate courses in MMT are here: https://modernmoneylab.org.au/ Details of the next MMT Summer school in Poznań, Poland (September 5th-7th) will be available on this page when confirmed: https://fundacjalipinskiego.pl/wydarzenia/ Website of the 3rd International European MMT Conference (September 9th-10th: https://www.mmtconference.eu/   MMT Academic Resources compiled by The Gower Initiative for Modern Money Studies: https://www.zotero.org/groups/2251544/mmt_academic_resources_-_compiled_by_the_gower_initiative_for_modern_money_studies   MMT scholarship compiled by New Economic Perspectives: http://neweconomicperspectives.org/mmt-scholarship     A list of MMT-informed campaigns and organisations worldwide: https://www.patreon.com/posts/47900757     We are working towards full transcripts, but in the meantime, closed captions for all episodes are available on our YouTube channel: https://www.youtube.com/channel/UCEp_nGVTuMfBun2wiG-c0Ew/videos     Show notes: https://www.patreon.com/posts/83036883?pr=true

What's more intense than leading the IMF during a financial crisis? For Simon Johnson, it was co-authoring a book with fellow economist (and past guest) Daron Acemoglu. Written in six months, their book Power and Progress: Our Thousand-Year Struggle Over Technology and Prosperity, argues that widespread prosperity is not the natural consequence of technological progress, but instead only happens when there is a conscious effort to bend the direction and gains from technological advances away from the elite.  Tyler and Simon discuss the ideas in the book and on Simon's earlier work on finance and banking, including at what size a US bank is small enough to fail, the future of deposit insurance, when we'll see a central bank digital currency, his top proposal for reforming the IMF, how quickly the Industrial Revolution led to widespread prosperity, whether AI will boost wages, how he changed his mind on the Middle Ages, the key difference in outlook between him and Daron, how he thinks institutions affect growth, how to fix northern England's economic climate, whether the UK should join NAFTA, improving science policy, the Simon Johnson production function, whether MBAs are overrated, the importance of communication, and more. Read a full transcript enhanced with helpful links, or watch the full video.  Recorded March 21st, 2023 Other ways to connect Follow us on Twitter and Instagram Follow Tyler on Twitter Follow Simon on Twitter Email us: cowenconvos@mercatus.gmu.edu Learn more about Conversations with Tyler and other Mercatus Center podcasts here.

In this episode, Michael Saylor joins me to discuss the nature of energy, the history of human power projection, the source of anxiety in today's world, and the necessity for Bitcoin adoption in cyberspace.Michael Saylor is an American entrepreneur, executive, inventor, author, and philanthropist.// GUEST // Twitter: https://twitter.com/saylorWebsite: https://hope.com/Free Education: https://www.saylor.org/// SPONSORS // In Wolf's Clothing: https://wolfnyc.com/iCoin Hardware Wallet (use discount code BITCOIN23): https://www.icointechnology.com/Gold Investment Letter: https://www.goldinvestmentletter.com/CrowdHealth: https://www.joincrowdhealth.com/breedloveWasabi Wallet: https://wasabiwallet.io/Join Me At Bitcoin 2023 in Miami (use discount code BREEDLOVE): https://b.tc/conference/Casa (use discount code BREEDLOVE): https://keys.casa/Bitcoin Apparel (use discount code BREEDLOVE): https://thebitcoinclothingcompany.com/ Feel Free Tonics (use discount code BREEDLOVE): https://botanictonics.comCarnivore Bar (use discount code BREEDLOVE): https://carnivorebar.com/// OUTLINE // 00:00:00 - Coming up 00:01:24 - Intro 00:02:57 - Helping Lightning Startups with In Wolf's Clothing 00:03:44 - Introducing Michael Saylor 00:04:14 - What is the Nature of Energy? 00:08:53 - The Universal Source of Life 00:09:44 - Energy in the World of Engineering 00:14:24 - How Humans have been Projecting Power Throughout History 00:21:32 - Bitcoin Mining is Digital Power 00:22:59 - How to Generate 200 Mega Watts of Power Continuously 00:25:45 - The Most Powerful are the Most Energy Efficient 00:29:52 - Channeling the Energy Prior to the Revolutionary War 00:32:24 - The Importance of Nutritional Energy 00:36:14 - The Low Energy Culture vs. the High Energy Culture 00:38:27 - Manufacturing as a Way to Channel the Energy 00:39:09 - The Concentration of Power in Banking 00:42:05 - Constructing Centralized Political Authority 00:46:02 - "You May Not Be Interested in War, but the War is Interested in You" 00:47:26 - The Conundrum of Decentralized Vs. Centralized Societies 00:49:47 - Maximize Your Profits with Gold Investment Letter 00:50:43 - Secure Your Bitcoin Stash with the iCoin Hardware Wallet 00:51:41 - Take Control of Your Healthcare with CrowdHealth 00:52:42 - A Bitcoin Wallet with Privacy Built-In: Wasabi Wallet 00:53:34 - The Vectors of Vice 00:56:10 - The Monopoly on Bread, Hats, and the Hudson River 00:59:56 - The Tax on the Free Market 01:02:44- The Pendulum Swings of Power 01:07:20 - The Source of Anxiety and Instability in Today's World 01:10:07 - The Shift of Power during the 20th Century 01:11:49 - What Will Determine the Wars in the 21st Century 01:15:07 - The Swarm of Bionic Hornets 01:17:32 - What Could Change the Eternal Fight over Property? 01:18:50 - The Never-Ending Struggle 01:20:30 - The Swarm Cybernetic Warfare 01:23:06 - Who Controls Cyberspace? 01:24:35 - The Problem with Filtering Out the Truth 01:30:31 - How to Secure Cyberspace 01:32:26 - The Problem with Nostr 01:33:53 - The Orange Check 01:36:14 - The Fragility of the Current Cyberspace Verification Tools 01:39:35 - The Need for Real-World Consequences in Cyberspace 01:40:35 - The Most Powerful Cybernetwork 01:41:06 - What to Put Behind the Wall of Encrypted Energy 01:43:09 - The Anti-Counterfeit Technology 01:43:58 - The Infiltration of Cybersecurity Systems 01:45:12 - Who's Securing the Security Update? 01:47:28 - The Necessity for Bitcoin Adoption in the Cyberspace 01:51:57 - A Chance to Win Discounted Tickets to the Bitcoin 2023 Conference and 10M SATS 01:52:52 - Hold Bitcoin in the Most Secure Custody Model with Casa 01:53:40 - Will the Nation States Adopt Bitcoin? 01:54:21 - It Takes a While for the Military to Modernize 01:59:29 - The Need for an Open Standard of Digital Authentication 02:05:19 - Bitcoin is a Cyber Defense System 02:07:21 - The Superhero Theory 02:08:36 - The Biggest Strategic Advantage of the U.S. 02:10:10 - An Autoimmune Disease in the Cyberspace 02:10:56 - The Only Successful Cyber Security System 02:11:31 - You Don't Want a Cyber System Based Upon Human Virtue 02:15:49 - What it Takes to Attack Bitcoin 02:18:08 - Why Proof of Stake Doesn't Work 02:18:56 - "There is Only One Way to Play the Game" 02:21:57 - How the U.S. Could Make 100 Billion Dollars Overnight 02:24:00 - "If You Don't Have Power, There is No Hope for You" 02:25:58 - Bitcoin Solved the Problem of Truth and Integrity 02:27:24 - Are Ordinals Good or Bad for Bitcoin? 02:29:13 - The Public Key Cryptography in The Ancient World 02:31:52 - The World Needs Bitcoin 02:36:37 - Where to Find Saylor's Work // PODCAST //Podcast Website: https://whatismoneypodcast.com/Apple Podcast: https://podcasts.apple.com/us/podcast...Spotify: https://open.spotify.com/show/25LPvm8...RSS Feed: https://feeds.simplecast.com/MLdpYXYI// SUPPORT THIS CHANNEL // Bitcoin: 3D1gfxKZKMtfWaD1bkwiR6JsDzu6e9bZQ7 Sats via Strike: https://strike.me/breedlove22Sats via Tippin.me: https://tippin.me/@Breedlove22Dollars via Paypal: https://www.paypal.com/paypalme/RBreedloveDollars via Venmo: https://account.venmo.com/u/Robert-Breedlove-2The "What is Money?" Show Patreon Page: https://www.patreon.com/user?u=32843101// WRITTEN WORK // Medium: https://breedlove22.medium.com/ Substack: https://breedlove22.substack.com/ // SOCIAL // Breedlove Twitter: https://twitter.com/Breedlove22WiM? Twitter: https://twitter.com/WhatisMoneyShowLinkedIn: https://www.linkedin.com/in/breedlove22/Instagram: https://www.instagram.com/breedlove_22/TikTok: https://www.tiktok.com/@breedlove22All My Current Work: https://vida.page/breedlove22

On this episode of Banking on KC, Case Dorman, owner and CEO of Jack Stack Barbecue, joins host Kelly Scanlon to discuss the staying power of the iconic brand. Tune in to discover: How Case started serving beans at Jack Stack when he was 16 years old and rose to become the owner. What Case's first day on the job taught him about the Jack Stack brand and standards. The “secret sauce” that has carried the brand through multiple generations of family ownership and customer loyalty. How the restaurant weathered the pandemic and other challenges throughout its history. Country Club Bank – Member FDIC 

There are multiple congressional hearings underway today to take a look back at what happened with the failures of Silicon Valley Bank and Signature Bank earlier this year. In the Senate, we’re hearing from former executives of those banks. In the House of Representatives, the Federal Reserve’s top banking watchdog and other regulators are speaking. Also today: we have the latest data on retail sales. Consumers appear to be holding up pretty strong. And lastly, why you might be paying more for flood insurance.

He gave up a staggeringly successful career to live a quiet life -- and now he shares his wisdom with us. Murali Neelakantan joins Amit Varma in episode 329 of The Seen and the Unseen to talk about the life he has lived and the lessons he has learnt. (FOR FULL LINKED SHOW NOTES, GO TO SEENUNSEEN.IN.) Also check out: 1. Murali Neelankantan on Twitter and LinkedIn. 2. An Idea of a Law School -- NR Madhava Menon, Murali Neelakantan and Sumeet Malik. 3. Akshaya Mukul and the Life of Agyeya -- Episode 324 of The Seen and the Unseen. 4. The Life and Times of Shanta Gokhale — Episode 311 of The Seen and the Unseen. 5. Wanting — Luke Burgis. 6. It is immoral to have children. Here's why — Amit Varma. 7. The Loneliness of the Indian Woman — Episode 259 of The Seen and the Unseen (w Shrayana Bhattacharya). 8. The Life and Times of Mrinal Pande — Episode 263 of The Seen and the Unseen. 9. Sara Rai Inhales Literature — Episode 255 of The Seen and the Unseen. 10. Casino Royale -- Martin Campbell. 11. Schrödinger's cat. 12. Dance Dance For the Halva Waala — Episode 294 of The Seen and the Unseen (w Jai Arjun Singh and Subrat Mohanty). 13. Right to Education: Just another law -- Meera Neelakantan. 14. The Life and Times of Abhinandan Sekhri — Episode 254 of The Seen and the Unseen. 15. The Forgotten Greatness of PV Narasimha Rao — Episode 283 of The Seen and the Unseen (w Vinay Sitapati). 16. The Prem Panicker Files — Episode 217 of The Seen and the Unseen (w Prem Panicker). 17. Major Navneet Vats SM. 18. Lifespan: Why We Age – and Why We Don't Have To — David Sinclair. 19. The Lifespan Podcast by David Sinclair. 20. The Adda at the End of the Universe — Episode 309 of The Seen and the Unseen (w Vikram Sathaye and Roshan Abbas). 21. Loss Aversion. 22. Aandhi -- Gulzar. 23. Nowhere Near -- Yo La Tengo. 24. Dil Hi To Hai Na Sang o Hishat -- Abida Parveen. 25. Ranjish hi Sahi -- Mehdi Hasan. 26. Old Man -- Neil Young. 27. Oscar Wilde on Amazon and Wikipedia. 28. Tum Itna Jo Muskura Rahe Ho -- Jagjit Singh. 29. Bonjour Tristesse -- Françoise Sagan. 30. Everybody Lies — Seth Stephens-Davidowitz. 31. Politics and the Sociopath (2014) — Amit Varma. 32. History of European Morals — WEH Lecky. 33. The Expanding Circle — Peter Singer. 34. Dunbar's number. 35. Rankthings.io by Aella and David. 36. Aella on Twitter and Substack. 37. Ye Humse Na Hoga -- Javed Akhtar. 38. All You Who Sleep Tonight -- Vikram Seth. 39. GCN +. 40. The Gentle Wisdom of Pratap Bhanu Mehta — Episode 300 of The Seen and the Unseen. 41. The Life and Times of Jerry Pinto — Episode 314 of The Seen and the Unseen. 42. SVB, Banking and the State of the Economy -- Episode 323 of The Seen and the Unseen (w Ajay Shah and Mohit Satyanand). 43. Ashutosh Salil and the Challenge of Change -- Episode 312 of The Seen and the Unseen. 44. Laws Against Victimless Crimes Should Be Scrapped — Amit Varma. 45. One Bad Law Goes, but Women Remain Second-Class Citizens — Amit Varma. 46. ये लिबरल आख़िर है कौन? — Episode 37 of Puliyabaazi (w Amit Varma, on Hayek). 47. Elite Imitation in Public Policy — Episode 180 of The Seen and the Unseen (on isomorphic mimicry, with Shruti Rajagopalan and Alex Tabarrok). 48. The Long Road From Neeyat to Neeti — Episode 313 of The Seen and the Unseen (w Pranay Kotasthane and Raghu S Jaitley). 49. Narendra Shenoy and Mr Narendra Shenoy — Episode 250 of The Seen and the Unseen. 50. Restaurant Regulations in India — Episode 18 of The Seen and the Unseen (w Madhu Menon). 51. The Wealth of Nations -- Adam Smith. 52. The Theory of Moral Sentiments — Adam Smith. 53. Humesha Der Kar Deta Hoon Main -- Muneer Niazi. 54. The Economics and Politics of Vaccines — Episode 223 of The Seen and the Unseen (w Ajay Shah). 55. Rustom -- Tinu Suresh Desai on the Nanavati case. 56. Natasha Badhwar Lives the Examined Life — Episode 301 of The Seen and the Unseen. 57. The Nurture Assumption — Judith Rich Harris. 58. Mohit Satyanand on Twitter and Substack. 59. Episodes of The Seen and the Unseen with Mohit Satyanand: 1, 2, 3, 4, 5, 6. 60. Richard Dawkins on unpleasant gods. 61. Pushpesh Pant Feasts on the Buffet of Life -- Episode 326 of The Seen and the Unseen. 62. Three Hundred Verses: Musings on Life, Love and Renunciation -- Bhartrihari. 63. Drug Price Controls -- Episode 29 of The Seen and the Unseen (w Pavan Srinath). 64. The Dark Side of Indian Pharma — Episode 245 of The Seen and the Unseen (w Dinesh Thakur). 65. Bottle of Lies — Katherine Eban. 66. The Truth Pill: The Myth of Drug Regulation in India -- Dinesh Thakur and Prashant Reddy. 67. Fire in the Blood -- Dylan Mohan Gray. 68. New York Stories -- Martin Scorcese, Francis Ford Coppola and Woody Allen. 69. The Ideas of Our Constitution — Episode 164 of The Seen and the Unseen (w Madhav Khosla). 70. Kumārasambhava -- Kalidasa. 71. Quiet: The Power of Introverts in a World That Can't Stop Talking -- Susan Cain. 72. Goodbye, Mr Chips -- Sam Wood. 73. Hitler's SS: Portrait in Evil -- Jim Goddard. 74. What Money Can't Buy -- Michael Sandel. 75. Tum Bilkul Hum Jaise Nikle -- Fehmida Riaz. 76.  Kuchh Log Tumhein Samjhaaenge -- Fehmida Riaz. 77. The Four Quadrants of Conformism — Paul Graham. Check out Amit's online course, The Art of Clear Writing. And subscribe to The India Uncut Newsletter. It's free! Episode art: ‘This is the World' by Simahina.

There are multiple congressional hearings underway today to take a look back at what happened with the failures of Silicon Valley Bank and Signature Bank earlier this year. In the Senate, we’re hearing from former executives of those banks. In the House of Representatives, the Federal Reserve’s top banking watchdog and other regulators are speaking. Also today: we have the latest data on retail sales. Consumers appear to be holding up pretty strong. And lastly, why you might be paying more for flood insurance.

Understanding the characteristics of money, its role as our social glue and trust-at-a-distance, and especially where it comes from are absolutely vital things to know.Which is probably why they are almost never taught anywhere within the educational system nor in our mainstream press.Click Here for Part 2

Are you having trouble opening a bank account? Tiffany understands, and she's here to help! She explains the most common issues that might be preventing you from getting an account, like bad credit history or previous closures, as well as several solutions. From second-chance checking accounts to prepaid cards and improving your Chexsystems score, Tiffany has ideas for making the process easier. Check out the full article on her blog and contact her with any questions.  Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Links I Was Denied: 6 Alternatives When You Can't Open A Bank Account

Alex was crushing it early in his career, ending up on Wall Street after getting a combined JD/MBA.  But after a few years, he went looking for his next mountain, aiming his ambition at the tech sector. He ended up co-founding LiveOak, a company he eventually sold in 2020. After that, he struggled to determine what was next and finally decided to walk away from more than a million dollars. Now he's embracing non-doing, reconnecting with his passions, and figuring out what's next.

Our expert hosts, Kate Moody and Ross Gallagher, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. We cover the following stories from the fintech and financial services space: Skipton launches deposit-free mortgage aimed at renters - 6:10 Apple attracts nearly $1 billion in deposits within a week of high yield savings account launch - 19:50 WhatsApp now allows Singapore-based users to pay businesses within the app - 32:10 French fintech Green-Got banks €5 million to grow its green banking platform in Europe - 42:05 SEC pays whistleblower $279mn in largest-ever award - 52:30 Music-related home insurance claims revealed as European nations gear up for Eurovision - 54:20 This week's guests include: Dawei Wang, Head of Partnerships, Thunes Urvashi Barooah, Principal, Redpoint Ventures This episode is sponsored by Thredd Global Processing Services (GPS), the payments platform trusted by the leading issuers to process billions of transactions a year, has changed their name to Thredd. Why Thredd? Thredd, because their tailored payment processing solutions are the thread that connects payments innovators of the future. Thredd, because they are true partners, becoming part of the fabric of your business as it grows. And Thredd because it just feels right. Find out more at Thredd.com. (https://www.thredd.com/?utm_source=newsletter&utm_medium=email&utm_campaign=bitesize+thredd&utm_id=11fs) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Dawei Wang and Urvashi Barooah.

Bakari Sellers is joined by Wall Street Journal reporter Dion Rabouin to discuss his journey from entertainment to finance news (:58), ways in which the crypto crash impacted Black people (7:50), and how Black-owned banks have fared amid the widespread failures of larger banks (22:12). Host: Bakari Sellers Guest: Dion Rabouin Producer: Donnie Beacham Jr. Executive Producer: Jarrod Loadholt Learn more about your ad choices. Visit podcastchoices.com/adchoices

Join us in this episode as we sit down with Ran Eliasaf, founder and Managing Partner of the Northwind Group, a real estate private equity firm. Ran shares his insights on Northwind's resilience during these challenging times, their recent fund, and how you can progress your career in real estate. With over $3 billion worth of real estate development, acquisition, and financing under his belt, Ran's expertise in the field is unparalleled. Discover how Northwind's lending platform has enabled them to adapt to market changes and their strategy for investing in healthcare and senior living opportunities. Don't miss this engaging conversation with a true leader in the industry.To contact Ran Eliasaf's team at Northwind Group, email info@northwind-group.comShow Highlights: ✅ Who is Ran? 00:00 - 3:26 ✅ Banking sector ✅ Debt market ✅ Prospects for multifamily ✅ Assisted and senior living ✅ Office market ✅ Helping people ✅ Book recommendation ✅ Habits ✅ Best piece of advice ✅ Biggest pride ✅ Ways to contact Ran

Matt Ehret joins us for a history lesson about Canada that we don't learn as Canadians, the deep controls in Canadian Politics, The British Empire, Banking, Synthetic Cults, Jesuits, Hope for the middle of Canada, and The Round Table Movement.   We also chat about the demographic crisis, Anomalous Pope and President deaths, Cultural Revolutions, The Inquiry, Shiller, Milner and Rhodes.   In the second half we get deeper into those that pull strings, Club of Rome, the Green Economy, how the Oligarchy keeps messing up, The Consciousness Wildcard, The fundamental truths they get wrong, Putin and the multi polar world, climate gate, Canada's Crown Land, Natural Law,  Israel being used as a pawn all along, and the slow crash into the new system.   See Matt's amazing work and books below!   https://risingtidefoundation.net/ https://canadianpatriot.org/   Matthew is a journalist and co-founder of the Rising Tide Foundation. He is the Editor-in-Chief of Canadian Patriot Review, Senior Fellow at the American University of Moscow and host of The Great Game on Rogue News. He has authored the book series “The Untold History of Canada” and the recently published book series “The Clash of the Two Americas.”     To gain access to the second half of show and our Plus feed for audio and podcast please clink the link http://www.grimericaoutlawed.ca/support.   For second half of video (when applicable and audio) go to our Substack and Subscribe. https://grimericaoutlawed.substack.com/ or to our Locals  https://grimericaoutlawed.locals.com/   Help support the show, because we can't do it without ya. If you value this content with 0 ads, 0 sponsorships, 0 breaks, 0 portals and links to corporate websites, please assist. Many hours of unlimited content for free. Thanks for listening!!   Support the show directly: https://www.patreon.com/grimerica Our Audiobook Site: www.adultbrain.ca Our Audiobook Youtube Channel:  https://www.youtube.com/@adultbrainaudiobookpublishing/videos Grimerica Media Youtube Channel: https://www.youtube.com/@grimerica/featured Darren's book www.acanadianshame.ca Check out our next trip/conference/meetup - Contact at the Cabin www.contactatthecabin.com Other affiliated shows: https://www.13questionspodcast.com/ Our New Podcast - 13 Questions www.grimerica.ca The OG Grimerica Show www.Rokfin.com/Grimerica Our channel on free speech Rokfin Join the chat / hangout with a bunch of fellow Grimericans  Https://t.me.grimerica https://www.guilded.gg/chat/b7af7266-771d-427f-978c-872a7962a6c2?messageId=c1e1c7cd-c6e9-4eaf-abc9-e6ec0be89ff3   Get your Magic Mushrooms delivered from: Champignon Magique  Mushroom Spores, Spore Syringes, Best Spore Syringes,Grow Mushrooms Spores Lab Get Psychedelics online Leave a review on iTunes and/or Stitcher: https://itunes.apple.com/ca/podcast/grimerica-outlawed http://www.stitcher.com/podcast/grimerica-outlawed Sign up for our newsletter http://www.grimerica.ca/news SPAM Graham = and send him your synchronicities, feedback, strange experiences and psychedelic trip reports!! graham@grimerica.com InstaGRAM https://www.instagram.com/the_grimerica_show_podcast/   Tweet Darren https://twitter.com/Grimerica  Purchase swag, with partial proceeds donated to the show www.grimerica.ca/swag Send us a postcard or letter http://www.grimerica.ca/contact/ ART Napolean Duheme's site http://www.lostbreadcomic.com/  MUSIC Tru Northperception, Felix's Site sirfelix.bandcamp.com

Sundie Seefried saw the opportunity to step up and help the underserved cannabis industry with the financial solutions they needed. That has since turned into a public company operating in 40 plus states. The venture, Safe Harbor Financial, has attracted funding from top-tier investors and has recently acquired Abaca.

In this episode I share a positive message on living a rich life by treating your life like a bank account and paying careful attention to what deposit and withdrawal in your life. Each segment is nestled between soothing jazz featuring music from Into the light Demetrius Nabors  Feat Althea Renea - If you can take it -Yolanda Adams Blur- Boney James   The Bay Mike Murray Lets Chill Tonight- Matt Lee Almost Trinidad Revisited Version -Dave Jazz     Walk with me till dawn - Igor Fedotov Juneteenth-Kevin Julien Lisa Dietrich-Move me no mountain     Feeling Good -Steve Oliver Brand new Day -Paul Dozier Accidental Melody Christina Williams Woodard (feat Ralph Price) --- Send in a voice message: https://podcasters.spotify.com/pod/show/davina-smith4/message

Pacific Western Bank reported a sharp loss of over 9% of its total deposits last week, trailing the failure of First Republic Bank. We'll discuss what's behind the lingering banking problems. And, over 3 million viewers tuned in to watch CNN's town hall event with former President Donald Trump, proving he's still a ratings magnet. We'll get into the ethical dilemma of the network's decision to put Trump on that stage and what it means for the presidential race ahead. Plus, Saildrones and other superstorm hunting gadgets are giving us a glimpse into uncharted territory. Here’s everything we talked about today: “CNN tops 3 million viewers during Trump Town Hall” from The Hill “CNN's Trump town hall turns into a Trump rally” from Poynter “Dianne Feinstein returns and Democrats advance Biden judicial nominees that had been stalled in committee” from CNN Politics “PacWest Stock Sinks 23% After Disclosing Fresh Deposit Outflow” from The Wall Street Journal “FDIC proposes big banks pay to recover losses in SVB and Signature failures” from Axios “The Hurricane and the Saildrone” from The New York Times “Turning to drones and other instruments to hunt hurricanes” from Marketplace “New blood donation rules allow more gay men to give in US” from AP News It’s our May fundraiser. We need to raise $350K to stay on track for this fiscal year and your gift now can help us reach our goal. Give today.