Podcasts about banks

The banks are giving you free money, credit, and huge travel rewards just to get you hooked—and most people miss out! Learn how to exploit the financial "glitch in the matrix" to rack up hundreds of thousands of points for nearly free business-class flights, access interest-free credit for up to 35 months, and dramatically boost your credit score simply by being organised… BEST MOMENTS "It's a little bit like a glitch in the matrix because I've been doing this for 15 years and I don't remember the last time I paid for a business class flight." "The banks are giving us free drugs to get us hooked, and most people cock it up. Most people get disorganised... through apathy, people just live their day-to-day life and just pay these on a standing order... they forget about it." "It's a really clever strategy... Who's the best person to refer to? How about yourself?” Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

The longest government shutdown in U.S. history may be over — but its fallout is hitting families, nonprofits, and travelers nationwide. Today, we're breaking down the ongoing impact. First, Angela Williams, President & CEO of United Way Worldwide, shares what nonprofits are seeing on the ground, and how people can get or give help as the holidays approach. Later, travel expert Katy Nastro from the Going travel app explains why flight disruptions and TSA delays may continue, and offers practical tips to make holiday travel smoother (and cheaper).   Learn more about our guest(s): https://www.theNewsWorthy.com/shownotes Join us again for our 10-minute daily news roundups every Mon-Fri!  Become an INSIDER and get ad-free episodes here: https://www.theNewsWorthy.com/insider Get The NewsWorthy MERCH here: https://www.theNewsWorthy.com/merch Sponsors: Shop my favorite pajamas at SKIMS.com! After you place your order, be sure to let them know we sent you! Get 15% off OneSkin with the code NEWSWORTHY at https://www.oneskin.co/NEWSWORTHY #oneskinpod To advertise on our podcast, please email: ad-sales@libsyn.com    

The revocation of the Edict of Nantes led more than 200,000 Huguenots to flee France after 1685. Many settled close to the country's frontiers, where their leaders published apologetic texts arguing for their right to return to France and be recognized as French citizens. By framing their refugee experiences intentionally, even using the term "refugee" to describe their diaspora, Huguenots profoundly influenced Enlightenment debates on citizenship and religious tolerance.  Write to Return: Huguenot Refugees on the Frontiers of the French Enlightenment (McGill-Queen's, 2024) is a cultural history of these Huguenot apologetics in which Bryan Banks examines the work of four authors: Pierre Jurieu, Pierre Bayle, Antoine Court, and Jean-Paul Rabaut Saint-Étienne. Each author advanced his arguments using key ideas of the Enlightenment, appealing to reason to argue for freedom of conscience all while appealing to emotion in his descriptions of Huguenot victimhood. The authors' campaign succeeded. In 1789, France's revolutionary National Assembly granted repatriation to all expelled Huguenots, offering them citizenship regardless of place of birth or baptism, and even permitting them to reclaim ancestral lands.  International refugees played an overlooked role in shaping discourse around the nation and nationalism in the eighteenth century. Write to Return shows how early modern refugees could advocate for their interests, build international networks, and even craft a new collective identity. By presenting themselves as loyal citizens of France, Huguenots were at the forefront of constructing a French national identity. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

The revocation of the Edict of Nantes led more than 200,000 Huguenots to flee France after 1685. Many settled close to the country's frontiers, where their leaders published apologetic texts arguing for their right to return to France and be recognized as French citizens. By framing their refugee experiences intentionally, even using the term "refugee" to describe their diaspora, Huguenots profoundly influenced Enlightenment debates on citizenship and religious tolerance.  Write to Return: Huguenot Refugees on the Frontiers of the French Enlightenment (McGill-Queen's, 2024) is a cultural history of these Huguenot apologetics in which Bryan Banks examines the work of four authors: Pierre Jurieu, Pierre Bayle, Antoine Court, and Jean-Paul Rabaut Saint-Étienne. Each author advanced his arguments using key ideas of the Enlightenment, appealing to reason to argue for freedom of conscience all while appealing to emotion in his descriptions of Huguenot victimhood. The authors' campaign succeeded. In 1789, France's revolutionary National Assembly granted repatriation to all expelled Huguenots, offering them citizenship regardless of place of birth or baptism, and even permitting them to reclaim ancestral lands.  International refugees played an overlooked role in shaping discourse around the nation and nationalism in the eighteenth century. Write to Return shows how early modern refugees could advocate for their interests, build international networks, and even craft a new collective identity. By presenting themselves as loyal citizens of France, Huguenots were at the forefront of constructing a French national identity. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history

The revocation of the Edict of Nantes led more than 200,000 Huguenots to flee France after 1685. Many settled close to the country's frontiers, where their leaders published apologetic texts arguing for their right to return to France and be recognized as French citizens. By framing their refugee experiences intentionally, even using the term "refugee" to describe their diaspora, Huguenots profoundly influenced Enlightenment debates on citizenship and religious tolerance.  Write to Return: Huguenot Refugees on the Frontiers of the French Enlightenment (McGill-Queen's, 2024) is a cultural history of these Huguenot apologetics in which Bryan Banks examines the work of four authors: Pierre Jurieu, Pierre Bayle, Antoine Court, and Jean-Paul Rabaut Saint-Étienne. Each author advanced his arguments using key ideas of the Enlightenment, appealing to reason to argue for freedom of conscience all while appealing to emotion in his descriptions of Huguenot victimhood. The authors' campaign succeeded. In 1789, France's revolutionary National Assembly granted repatriation to all expelled Huguenots, offering them citizenship regardless of place of birth or baptism, and even permitting them to reclaim ancestral lands.  International refugees played an overlooked role in shaping discourse around the nation and nationalism in the eighteenth century. Write to Return shows how early modern refugees could advocate for their interests, build international networks, and even craft a new collective identity. By presenting themselves as loyal citizens of France, Huguenots were at the forefront of constructing a French national identity. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/french-studies

It was the Great Depression. Early 1930s. United States. More than a thousand mortgages a day were being foreclosed on. Hundreds of thousands of families were losing their homes each year.  Times were hard for everyone. Especially hard for farmers. But neighbors found a way to push back and help their friends in a very creative way. They called it a penny auction.BIG NEWS! This podcast has won Gold in this year's Signal Awards for best history podcast! It's a huge honor. Thank you so much to everyone who voted and supported. And please consider signing up for the Stories of Resistance podcast feed on Spotify, Apple Podcasts, Spreaker, or wherever you listen. And please take a moment to rate and review the podcast. A little help goes a long way.The Real News's legendary host Marc Steiner has also been in the running for best episode host. And he also won a Gold Signal Award. We are so excited. You can listen and subscribe to the Marc Steiner Show here on Spotify or Apple Podcasts.Please consider supporting this podcast and Michael Fox's reporting on his Patreon account: patreon.com/mfox. There you can also see exclusive pictures, video, and interviews. Written and produced by Michael Fox.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

Paul and Mark take a spin through the lighter side of the Bengals news this week. -Don't talk about Christmas yet. -Our next live show at BetMGM at The Banks is 12/14. -Are there too many Joes?-Chase Brown's story is a microcosm of society-What else can we use crystals for?-Eric Sztanyo of Keller-Williams gets Stanbushed. -Your questions on how we talk about the Bengals front office, the defensive line coach, boosting the defense, other teams with rookies playing-Ambush about OutKast at Bogart's in 1999 and 2026 Bengals outcasts. -Growler Bet-Growl Pal spotlight for St. Francis APizza-Go see Mark in Lexington!-Dad Life on chore beers and content creatorsWatch and subscribe on YouTube: https://www.youtube.com/@TheGrowlerPodcastThe Growler on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-growler/id1733476604The Growler on Spotify: https://open.spotify.com/show/70iJjqgPQrVzQ2pdOwVvDYLinks to all socials, podcast platforms, merchandise from Cincy Shirts and more: thegrowlerpodcast.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode was originally released on 9/1/2020. While new episodes of Breaking Walls are on hiatus I'll be going back and posting the older episodes. ____________ In Breaking Walls episode 107, we go back to school with the Nelson family and find out why David and Ricky joined the program, and how it affected the entertainment industry forever. —————————— Highlights: • Oswald George Nelson—Boy from New Jersey • The Ukulele Craze and the Boy scout Jamboree • Ozzie Starts a Band • Splitting Time Between Football and Music • Cleaning Up Around Town • On the Banks of the Old Raritan • Law School and WMCA • Ozzie Nelson and His Orchestra Gets on Radio • Ozzie Meet Harriet • Harriet Hilliard—One Heck of a Talent • Harriet Joins the Band • Joe Penner and Robert Ripley • Getting Married—Harriet Becomes a Film Star • Touring—David and Eric Are Born • Red Skelton • The Adventures of Ozzie and Harriet is Born • Changing Networks in 1948 • Jack Benny Jumps to CBS—David and Ricky Join the Show • Finding Their Groove as a Family • ABC and a Ten-Year Contract • Here Come The Nelsons to Television • Looking Ahead to Halloween —————————— The WallBreakers: http://thewallbreakers.com Subscribe to Breaking Walls everywhere you get your podcasts. To support the show: http://patreon.com/TheWallBreakers —————————— The reading material used in today's episode was: • On the Air — By John Dunning • Ozzie — By Ozzie Nelson • Network Radio Ratings, 1932-53 — By Jim Ramsburg • Before Television — By Glenhall Taylor • As well as articles from the archives of Broadcasting Magazine, Sponsor Magazine, Radio Daily, and Radio Mirror. —————————— On the interview front: • Ozzie Nelson spoke with: Johnny Carson, Chuck Cecil, and James Day • Ricky Nelson spoke with Johnny Carson and David Hartman • David Nelson spoke with David Hartman, and KRLA • Jack Wagner and Johnny Hayes were also with KRLA • While Harriet Nelson spoke with David Hartman and Chuck Schaden • Chuck Schaden also interviewed Jack Benny, Lurene Tuttle and Janet Waldo Hear these chats and others from Chuck's forty-year career at SpeakingOfRadio.com —————————— Selected music featured in today's episode was: • Theme from A Summer Place — By The Ventures • Colorado Trail — From Stephen Ives' The West • On The Banks of the Old Raritan — By The Rutgers Alma Mater Choir • Auld Lang Syne — By the Manhattan Strings • Dream a Little Dream of Me and Jersey Bounce — By Ozzie Nelson and His Orchestra • Get Thee Behind Me Satan — By Harriet Hilliard Nelson • I Will Follow You — By Ricky Nelson • The Haunted House Boogie — By Jack Rivers and Happy Wilson

St. Louis-area food banks and pantries are being put to the test. The uncertainty surrounding SNAP benefits during the government shutdown along with rising food costs and the ongoing impact of the May 16th tornado are adding extensive pressure to the upcoming busy holiday season. St. Louis Public Radio's Olivia Mizelle reports.

Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Together, we'll bring a multidimensional view to this complex space. We'll dive into real-world examples like Capital One's Chat Concierge, which has driven a 55% boost in customer engagement by automating key tasks across thousands of auto dealer sites. Looking ahead, we'll consider the implications for traditional banks. Will they invest billions in proprietary AI models, or cede ground to big tech and infrastructure players increasingly embedding financial services? We don't have all the answers but want to open up with good questions and thinking about where things are headed. We'll also explore how the evolution of AI agents could intersect with web3, crypto, and asset tokenization to enable digital transactions. Russell and Josh will weigh in on which players are poised to thrive in this new era of AI-powered finance. There's a lot to cover, but one thing is clear: AI is no longer a far-off possibility for banks. It's a present-day reality redefining what's possible. Stay tuned for a thought-provoking discussion of the opportunities and challenges ahead.

Banks are embracing AI for several different purposes. Some are using it for fraud detection, loan origination and handling basic customer interactions. While big banks have a great deal of resources for AI, community banks can also take advantage of AI tools; however, there's a danger here that banks will over-rely on AI, or not give bankers the ability to override AI decisions and in turn lose that personal touch.Mack Turner, marketing and insights analyst at Mack Turner Marketing Consulting and Insights LLC joined Bradley Cooper to discuss how banks are using and how they should be using AI in today's episode of the Bank Customer Experience podcast.For larger banks, Turner said that "banks increasingly use AI to forecast customer behavior in the credit decisioning and predictive modeling space. Large banks use AI to scale what humans can do, especially where data is voluminous and patterns subtle."On the community banking side, he discussed how can use AI for fraud or check detection, as well as screening small business lending.On the banker side, this has led to bankers increasingly moving away from routine transactions to high emotion, stressful conversations with customers such as fraud events or mortgages. Turner said that due to this shift banks need to make sure employees are well supported to avoid burnout.Other topics discussed during the podcast included:The importance of empathy for the customer and the employee.Enabling employees to override AI decisions.Using AI to support rather than replace humans.Listen to the podcast in its entirety above.

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers explores how to move from a modest property base—say an HDB or BTO—for a disciplined real‑estate portfolio that can grow meaningfully over decades. They introduce the concept of the Equity Triangle and walk through a real‑world case study of how a family scaled from roughly S$800 k in property value to about S$6.5 million by combining utility assets (for stay) with investment properties, and carefully calibrating leverage and timing.   They emphasise key strategic themes: choosing asset classes you understand, avoiding over‑diversification that undermines discipline, leveraging “set and forget” real‑estate instruments with appreciation potential, and recognising the co‑investor model where the bank and tenant help you expand. By age 55,  you may want freedom and choice—and this episode shows how the journey can begin with one stay‑home and one rental property.   0:00 – Teaser 0:51 – The Starting Point: BTO, Resale HDB or Private Property 1:34 – Growing an $800K Portfolio to $6.5M 1:50 – Key Framework: The Equity Triangle Explained 2:23 – Diversification Depends on Knowledge, Time and Strategy 3:25 – Understanding Set-and-Forget in Real Estate 4:46 – Why Stagnating Assets Can Hurt Your Portfolio 6:07 – Case Example: From $670K to Landed Property at $6.9M 7:06 – Leveraging Time: Holding from Age 39 to 65 8:36 – Portfolio Structure: Living in One, Renting the Other 9:32 – End Goal: Freedom and Choice from Age 55 Onwards 10:04 – Targeting a $6.5M Portfolio by 55–65 11:00 – Case Study: From HDB to Dual Condo Strategy 12:38 – High Growth vs. High Rental Strategy 13:13 – Planning for the Winter Season: Divestment and Income Buckets 14:44 – Property Divestment Strategy: Low Quantum, High Yield 18:00 – Leveraging Tenants and Banks as Co-Investors 23:06 – From Dual Properties to Landed and Beyond 24:35 – Portfolio Status at 40+: $6.5M and Growing 25:15 – Deciding When to Exit or Hold: Based on Income Season 26:05 – Scenario Planning: $800K HDB with $600K Equity 28:41 – Strategic Property Pairing: Stay vs. Investment Property 29:52 – Closing: Planning Property Moves with Numbers in Mind

On this special segment of The Full Ratchet, the following Investors are featured: Casber Wang of Sapphire Ventures Lara Banks of Makena Capital Management David Cohen of Techstars We asked guests to share the best question they've ever been asked by an allocator. The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. We're proud to partner with Ramp, the modern finance automation platform. Book a demo and get $150—no strings attached.   Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

The first-ever U.S. spot XRP ETF has been approved and begins trading tomorrow, marking a historic moment for altcoins and opening the door to a new wave of institutional inflows. Meanwhile, Taiwan is now considering adding Bitcoin to its national reserves, signaling that global governments are beginning to view BTC as a strategic asset. In the U.S., regulators are moving fast: SEC Chair Paul Atkins unveiled a new “Token Taxonomy” that could redefine how digital assets are classified, Coinbase is reincorporating in Texas to align with pro-crypto state laws, and the Senate's draft bill is pushing more oversight toward the CFTC.

Link to the full podcast:https://youtu.be/4GNc-BA4sqQ?si=n9p30WjkjK6ohZPv Description:This conversation with Dr. Margaret Banks-Butler unpacks her book's statement: “Flow is the place of your divine assignment and the sweet spot of your anointing.” She explains that spiritual flow is not just about performance but about placement—where calling, gifting, purpose, and God's timing converge. Drawing from psychology's concept of “flow,” she relates it to ministry, emphasizing that leaders thrive when they serve from their true God-given design rather than forced roles. Dr. Banks-Butler highlights the importance of team dynamics, personality styles, and respecting diverse giftings, showing that effective ministry requires valuing each member's unique place in the body of Christ.Purchase The Christian Leader Blueprint book today: https://www.ryanfranklin.org/blueprintbookDownload The Christian Leader Blueprint – Short Guide (Free): https://www.ryanfranklin.org/blueprint Take the Christian Leader® Self-Assessment (Free):https://www.ryanfranklin.org/clselfassessment Learn more about Christian Leader® Community Coaching:https://www.ryanfranklin.org/communitycoaching YouTube and Audio Podcast: https://www.ryanfranklin.org/leaderpodcast Connect with Ryan: Email: info@ryanfranklin.org Facebook: https://www.facebook.com/rnfranklin/ Instagram: https://www.instagram.com/rnfranklin/ Linkedin: https://www.linkedin.com/in/rnfranklin/ Audio mastering by Apostolic Audio: https://www.apostolic-audio.com#leadership, #thoughtleadership, #ministry, #pastor, #pastors, #churches, #leadershiptraining, #churchleader, #churchleaders, #influence, #leadershipdevelopment, #coaching, #executivecoach, #leadershipcoaching, #productivitycoach, #productivity, #growthmindset, #theproductiveleader, #ChristianLeader, #ChristianLeadership, #LeadershipPodcast, #FaithAndBusiness, #PodcastInterview, #ChristianEntrepreneurship, #KingdomImpact, #PodcastInspiration, #LeadershipJourney, #PurposeDriven, #ChristianPodcast, #LeadershipEssentials, #LeadershipFundamentalsSend us a text

Achieving a low-carbon economy will require trillions of dollars in new investments across renewable energy, infrastructure, industry, and climate adaptation. As India races toward its clean energy and net-zero goals, one question looms large — where will the money come from? What roles will domestic and international finance play, and how can innovative instruments such as green bonds and blended finance help bridge the gap?In this episode of The India Energy Hour, we speak with Neha Kumar, Head of South Asia at the Climate Bonds Initiative, to unpack the complex and rapidly evolving world of climate finance. Neha, a globally recognized expert on climate finance, shares insights on how India can mobilize capital for its green transition and unlock opportunities for sustainable growth.Full transcript of the episode is available in English.Presented by 101ReportersNeha Kumar is on LinkedIn.Follow TIEH podcast on Twitter, Linkedin & YouTubeOur hosts, Shreya Jai on Twitter, Linkedin & Dr. Sandeep Pai on Twitter, Linkedin

im and Todd sit down for their annual "Bourbon on the Banks" wrap-up show, joined by two key figures behind the successful event, Diane Strong and Renee True. As longtime listeners and friends of the show, Diane and Renee dive deep into a "postmortem" of the 2025 festival, discussing its record-breaking successes, logistical challenges, and plans for the future, all while tasting a couple of the event's exclusive barrel picks. The tasting kicks off with the Pursuit United Bourbon on the Banks Pick, a 108-proof bourbon finished with a unique tobacco stave. Todd, Diane, and Renee, who were all part of the large selection team, reflect on their choice, noting that the crowd-pleasing "sweet" and "smooth" profile made it a winner. The pour is rich with notes of sweet pipe tobacco, caramel, and a distinct chocolaty, candy-like quality. The group discusses the massive success of the festival's single-barrel pick program, which featured 11 or 12 different selections this year. Many, like the Bluegrass and Chicken Cock picks, sold out quickly. They also highlight the "rock star" quality of the picking teams, which often included a mix of industry professionals and highly knowledgeable consumers, ensuring a high standard across the board. Diane and Renee share insights into the festival's record-breaking year. The Friday night VIP event, which celebrated "Women in Bourbon," was a huge success. The event's auction was a standout, raising over $22,000 for local charities. Attendance for the main festival hit a new high, selling out a full month in advance and welcoming over 300 more attendees than the previous year. The tiered ticket structure (Special Access, Early Access, General Admission, and Twilight) was successful, and due to positive feedback, the event may be extended by an hour in 2026. The second pour comes with a fantastic backstory: the Dark Arts Bourbon on the Banks 2024 Pick. Due to a distributor mix-up, this 7.5-year-old bourbon, finished in Tokai wine casks, was mistakenly absent from the 2024 festival. The bottles were held in a warehouse for a year and finally made their debut at the 2025 event. Jim, Todd, and Renee—who also selected this barrel—revisit their 113.24-proof pick, praising it as "dessert in a glass" with decadent notes of fig, sweet caramel, and deep, rich oak. The conversation covers the entire weekend, from the positive feedback on the Thursday night "Whiskey Thieves Kickoff" and "Bourbon Street on Broadway" to the packed after-party. A major logistical victory for 2025 was the permanent relocation of the local farmer's market, which previously conflicted with setup. This new freedom will allow the festival to start earlier next year. They also discuss attendee feedback, such as requests for lanyards and a mobile app, and the great community response to inviting more social media influencers and YouTubers to cover the event, which Diane notes helps shine a light on the smaller, craft distilleries that make the festival unique. Be sure to check out our private Facebook group, "The Bourbon Roadies" for a great group of bourbon loving people. You will be welcomed with open arms!

Bitcoin ETF inflows are exploding as Wall Street and U.S. banks make their biggest push yet into digital assets. Today's market moves come as SoFi Bank becomes the first nationally chartered bank to launch crypto trading, JPMorgan unveils its new deposit token “JPM Coin”, and Visa rolls out a USDC payout pilot to power instant global payments. Meanwhile, Washington is back in action — the government shutdown has officially ended, and the Senate's new crypto market structure bill could hand CFTC oversight of digital assets, setting the stage for the next regulatory era.

Apparel prices in October were 3% higher than last year, and one analyst says that may only be the beginning. Mortgage applications climb during a historically slow season. Plus, we break down the big moves in big banks as they hit all-time highs.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you think you're using money the same way your parents did, you're already behind. If your entire view of Bitcoin is based on headlines, you're missing the point. And if you think this "crypto stuff" is just a fad, then today's episode will shake your perspective. Because what we're living through isn't just a tech revolution; it's the early stage of a complete financial reset. The system you were taught to trust is showing its cracks, and a new one is quietly being built in real time. In this episode, I'll walk you through what's really happening beneath the surface of our economy: how the legacy system is breaking down, why blockchain isn't the same as crypto, and why Bitcoin stands alone as the foundation of a new era. We'll unpack what central bank digital currencies (CBDCs) could mean for your freedom, how tokenization is changing ownership, and what you can actually do right now to prepare for what's coming next. This isn't about hype or headlines. It's about understanding the future of money before the rest of the world wakes up. Episode Timeline & Highlights [0:00] – Introduction: Why the way we use money is already outdated [1:00] – The cracks in the old system: banks, inflation, and eroding trust [4:30] – Blockchain ≠ Crypto: the foundation of the new financial internet [7:30] – Bitcoin ≠ Crypto: digital property, not a startup project [11:30] – What's coming: CBDCs, tokenization, and digital IDs [15:30] – What to do now: education, ownership, and early infrastructure [19:00] – Closing: The financial system is molting. Will you be ready? Key Takeaways The Old System Is Breaking: Inflation, inefficiency, and control are signals that the traditional system is unsustainable. Blockchain Is the Infrastructure: It's not about coins; it's about a trustless, verifiable system the world will soon rely on. Bitcoin Stands Alone: It's not just another crypto. It's digital property, the foundation of a new monetary network. Preparation Beats Prediction: The people who win in revolutions aren't the loudest. They're the ones who understood the shift early and acted on it. Quotables "If your view of Bitcoin comes from headlines, you've already missed the real story." "Banks still run on 1970s rails. You send a wire Friday, it lands Monday, if you're lucky." "Most crypto is a startup. Bitcoin is a protocol. One builds features. The other preserves freedom." "The system isn't just evolving; it's molting. And under that shell, something entirely new is taking shape." Links & Resources Learn more about Budgetdog Academy: https://budgetdog.com My book, The Roadmap to Financial Freedom: https://budgetdogacademy.com/order-now Follow me on Instagram: https://instagram.com/budgetdog If this episode challenged how you think about money, share it with someone who's still trusting the old system. Because the future isn't waiting, and understanding what's coming next is the first step to staying ahead.Episode Description

Kyle Samani is the Founder and Managing Partner of Multicoin Capital, a thesis-driven investment firm that invests in cryptocurrencies, tokens, and blockchain companies reshaping trillion-dollar markets. He joins Beezer Clarkson, Partner at Sapphire Partners, and Nick Chirls, Partner at Asylum Ventures, to discuss the philosophies that underpin Multicoin's investment strategies. He also unpacks how blockchain technologies are already reshaping global finance away from legacy systems and towards embedded trading platforms that will sit within traditional messaging and media platforms.Learn more about Sapphire Partners: https://sapphireventures.com/sapphire-partnersLearn more about OpenLP: https://openlp.vcLearn more about Asylum Ventures: https://asylum.vcLearn more about Multicoin: https://multicoin.capitalJerry Neumann's post on markets v. innovation: https://reactionwheel.net/2025/07/a-look-at-growthFor a monthly roundup of the latest venture insights, including the newest Origins episodes, subscribe to the OpenLP newsletter – delivered straight to your inbox: subscribe.openlp.vcCHAPTERS:0:00 Welcome to Origins2:43 The Origin Story of Multicoin7:07 Financially Long & Intellectually Short Bitcoin8:53 What Is an Internet Capital Market?19:18 What Happens to Banks?21:14 What Did You See In Solana?30:22 The Rise of DATs36:40 Did Web3.0 Live Up To Its Promise?

The shutdown has brought to public attention a glaring problem of food insecurity among those most vulnerable. Michael Coleman, C.E.O. of the Heart of Alabama Food Bank, shares his insights.

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores how government strategies to combat inflation by adjusting interest rates impact not only investors, but also shape the attractiveness of CDs as an investment option. In a rising interest rate environment, buying CDs may seem like a good idea but it depends on your needs and goals. Wealth isn't created by buying a CD based on a rate. It's created by understanding why the rate may not be all that important. Banks look at what is known as the federal funds rate, also known as a benchmark rate. This is the rate banks charge one another to borrow money overnight that's needed to maintain reserve requirements. Upstream in the decision making process is the Federal Open Market Committee or FOMC, who meet throughout the year to discuss and set monetary policy. Within these policies, rates are set and typically linked to inflation. When those rates are set, banks may adjust rates on loans, deposits and certificates of deposit. But just like any business, banks will adjust rates to compete in their market as they seek to cover their costs and maintain a profit. CDs specifically are an attractive tool for banks, because unlike a deposit account, CDs actually lock up customers with a maturity date, which gives banks better control of their cash flow. The higher rates draw in customers seeking to maximize their returns. Rates on CDs matter, but not as much when you factor in inflation and interest rates. If inflation is at 7% and interest rates are at 5%, the net is 2%. The same is true if inflation is at 0% and interest rates are at 2%. You have to look at both numbers to get a full picture. When you consider the gridlock within the housing market and the amount of debt our government holds, it's hard to believe rates can remain elevated over the long term. The government is desperately trying to combat inflation by raising rates. These higher rates not only impact consumers, but they also impact the government. According to the Congressional Budget Office, or CBO, in June of 2023, they projected that annual net interest costs on the federal debt would total $663 billion in 2023 and almost double over the next decade. Interest payments would total around $71 trillion over the next 30 years, taking up to 35% of all federal revenue by 2053. These numbers are impacted by interest rates and with lower rates come lower interest payments, so the government has reasons to see rates lower than they currently are. The question is: Does it make sense to lock in CD rates while rates are high? It depends. If you have money sitting in a bank account that you don't need and the CD rate is offering a higher rate than your savings, then it might be a good option. A good idea is to compare CD rates to other options like fixed annuities and money markets since they share some similarities but also have a few key differences that could make one choice better for your situation. Certificates of Deposit are offered by banks as a savings account that offers a fixed interest rate over a specified period of time, ranging from one month up to five years. They carry penalties if funds are removed before maturity, and they're FDIC insured up to $250,000. Fixed Rate annuities are issued by insurance companies and are financial products that offer a fixed interest rate over a specified period of time. Early withdrawals can incur a penalty, and interest earnings are tax deferred until you start taking distributions. The guarantees are backed by the claims paying ability of the insurance company and are insured by what is known as the State Guarantee Association. Money markets are funds issued by financial institutions that are backed by highly liquid short maturity investments. Maturities usually range from overnight to just under a year, and assets can be quickly converted to cash with minimal loss of value. They are generally considered more risky than a bank, CD or insurance company annuity, and the underlying investments include such things as treasury bills, commercial paper and CDs. While CDs offer the safety of fixed returns, they are not devoid of risks and limitations. It's essential to understand both the micro and macro economic factors that affect CD rates before diving in.      Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja "What to Know About How Banks Work" The State Guaranty Association   References for this episode: https://www.pbs.org/newshour/economy/americans-faith-in-banks-hit-low-after-failures-says-ap-norc-poll https://www.federalreserve.gov/monetarypolicy/reservereq.htm https://fortune.com/recommends/banking/will-cd-rates-go-up https://www.usbank.com/investing/financial-perspectives/market-news/federal-reserve-tapering-asset-purchases.html https://www.pgpf.org/analysis/2023/07/higher-interest-rates-will-raise-interest-costs-on-the-national-debt   Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.

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In this episode, we take a close look at the growing complexity of legislation in the age of artificial intelligence and how longer, denser bills create new incentives for politicians to hide provisions that voters would never spot on their own. We also examine the Trump administration's new visa rules, including the unexpected decision to classify obesity as grounds for denial, and what this says about public policy and shifting cultural norms. We analyze Trump's proposal for $2,000 tariff-funded checks and the Supreme Court case that could unravel the entire tariff structure, followed by a deeper dive into the real economics of trade, revenue, and political incentives. We finish with a look at the housing market, the push for 50-year mortgages, and why extending loan terms does little to address the underlying supply constraints driving home prices and unaffordability. 00:00 Introduction and Overview 00:28 The Future of Legislation in the Age of AI 08:07 No Visas for Obese People 12:12 Foolishness of the Week: $2,000 Checks for All Americans 19:40 Trump's Political Gambit 22:35 Budget Deficits and the Myth of Tariff Revenue 28:13 The Housing Affordability Crisis 31:16 Mortgage Rates, Down Payments, and Lending Standards 35:56 The 50-Year Mortgage Proposal and Its Real Costs 45:08 30-Year vs 50-Year Mortgage Interest Rates 51:51 Are Tiny Homes the Solution? 53:50 How Politicians Could Implement 50-Year Mortgages 56:17 The Role of Banks in the Lending Business 57:18 What Mortgages and Loans Allow 01:03:20 Predictions for 50-Year Mortgages 01:07:01 Is Inflation Falling? 01:09:19 Conclusions on Mortgages and Lending 01:13:06 James's Personal Mortgage Story 01:15:41 The Problems with Higher Education and Student Loans Learn more about your ad choices. Visit podcastchoices.com/adchoices

As food insecurity grows, Iowa's gardeners are stepping up to help feed those in need — plus, how an improv nonprofit is empowering Iowa's youth to grow confident on and off stage.

In this eye-opening episode of The Clay Edwards Show, we dive deep into the frustrating saga of John Arthur Banks, a notorious downtown Jackson, Mississippi bum who's been terrorizing local businesses for over two decades. From my days owning nightclubs in downtown Jackson (2003-2011), I've seen this guy's harassment firsthand. Despite being arrested for burglarizing at least 15 businesses and pleading guilty SIX TIMES, Banks keeps getting released thanks to Hinds County's infamous "catch and release" program. He's free to strike again in a city fighting to recover from eight years under Mayor Chokwe Antar Lumumba's socialist policies. Jackson beat New York to electing a radical mayor—want proof of "communism done right"? Come tour Jacktown with me.   We break down the shocking details from Jackson Jambalaya's latest exposé: Banks' criminal history spanning 2009-2024, lenient sentences from judges like Bill Gowan, William Kidd, Faye Peterson, Johnny McDaniels, and Damon Stevenson, and the DA's failures (shoutout to Jody Owens). Highlights include: 2009: Indicted for business burglary; pleaded guilty, full 5-year sentence suspended. 2017: Burglary at Jocko's Tacos; 7 years, 4 suspended (lived at Gateway Shelter). 2018: Burglary at Stanley's Wine and Liquor; 7 years, 3 suspended (concurrent with 2017). 2019: Burglary at Downtown Snack Shop; 7 years, 2 suspended + drug/alcohol treatment. 2020: Two counts for Greenbrook Flowers and Iron Horse Grill (2019 hits); 7 years, 2 suspended. 2022: Burglary at the Hood Building; 7 years, 2 suspended (no habitual offender enhancement). 2022 (again): 10 COUNTS including La Cazuela, Kiefer's, Shero's, Pizza and Daiquiri Shop, Steve's Deli, Mississippi Farmers Market, Downtown Drugstore, Pig and Pint, Finian's, and Tatum & Wade Law Firm—remanded as part of prior case. 2024: Capitol Police arrest for Downtown Drugstore, Native Coffee, and Lou's Restaurant (plus another); 1-year revocation, but paroled quickly. Indicted as habitual offender—trial set for July 2026.   This guy's an economic terrorist, driving away customers and businesses. We also touch on recent closures: Arby's on High Street shutting down for good, plus PetSmart (I-55 North) and TJ Maxx (East County Line Road) relocating to Ridgeland's Highland Colony Parkway. Why? Crime and mismanagement—Jackson going full "Jackson."   My raw, unfiltered reaction: No sympathy for these repeat offenders. I've dealt with them for years—most stories are lies, just excuses for dope. Police do their job, but prosecutors, judges, and MDOC keep releasing them. Businesses are fleeing—can you blame them?   Sponsored by Men's Health of Mississippi: Guys, if you're dealing with low energy, stubborn belly fat, lack of muscle tone, reduced sex drive, or no morning wood, it could be low testosterone. I'm a client—3 years in, down 80 pounds, metabolic age of 36 (I'm 48!), and in the best shape ever. Get a FREE testosterone screening at their Madison clinic. Text "Clay" to 601-805-1300—a real person (not a bot) will respond ASAP to schedule you for TRT or weight loss (or both). Reclaim your life—text now!   For the full story and more Jackson insights, head to https://jacksonjambalaya.com. Kingfish nails it every time.   If you enjoyed this no-holds-barred take on Jackson's crime crisis, hit LIKE, SUBSCRIBE, and turn on notifications for more real talk on Mississippi politics, crime, and culture. Share your thoughts in the comments—have you dealt with bums like Banks downtown?   #JacksonMS #CrimeInJackson #JohnArthurBanks #HindsCounty #CatchAndRelease #MensHealthMS #TestosteroneTherapy #ClayEdwardsShow #MississippiPolitics #DowntownJackson #BusinessBurglaries #ChokweLumumba #EconomicTerrorism #JacksonJambalaya      

In this episode, we speak with Erin O'Loughlin, a former CIA operative and the Senior Director of Training at the Association of Certified Financial Crime Specialists, about insider fraud. Erin shares how behavioral cues, access anomalies, and overlooked privileges can signal risk, and why role-specific training, simulations, and just-in-time nudges are essential for prevention.Whether you're in frontline ops, tech, or leadership, this conversation offers practical insights to help banks and businesses detect threats early and build a culture of compliance.

The ASX200 slipped about a tenth of a percent, held back by a 6 % drop in CBA which erased roughly 50 points. Materials led the market, with gold miners up after a 3 % jump in spot gold and lithium miners gaining on demand expectations. The US government shutdown appears near its end, easing concerns ahead of the Fed’s December rate‑cut decision. Upcoming events include RBA assistant governor Brad Jones speaking, several AGM releases and ResMed trading ex‑dividend. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Sergey Nazarov, Co-Founder of Chainlink, and I sat down at SmartCon to discuss how Chainlink is orchestrating the connection between blockchains, DeFi, and TradFi.Brought to you by

Episode 185 - Miranda (1948) "You've hated me ever since I set tail in this house." In the canon of post-war British comedy, there are grand spectacles and quiet character studies. And then, every so often, there's a film so completely, cheerfully absurd that it defies category. Miranda (1948) is one such treasure, a fantasy-comedy that is as polished and witty as it is delightfully naughty. It's a film that asks what would happen if a classic British "comedy of manners" was suddenly interrupted by a mermaid—and the answer, it turns in, is pure, bubbly entertainment. The story itself is a wonderfully silly concoction. Dr. Paul Martin (Griffith Jones), escaping his wife for a solo fishing holiday in Cornwall, gets more than he bargained for. He doesn't just catch a fish; he is caught by Miranda, a flirtatious, man-crazy mermaid who promptly holds him captive in her aquatic cave. His ransom? A trip to see London. What follows is a brilliant farce. Paul passes off the beautiful Miranda as an "invalid patient," concealing her tail under long dresses and wheeling her around his sophisticated London home. This is where the film truly shines, thanks to the absolutely enchanting central performance from Glynis Johns. Long before she was Mrs. Banks in Mary Poppins, Johns established her star power here. With a coy, kittenish voice and eyes that perpetually sparkle with mischief, her Miranda is a sublime creation. She's no innocent nymph; she's a charming siren who has every man in the house—from her "doctor" to the lovestruck chauffeur (a wonderful David Tomlinson)—wrapped around her little finger, or fin. While Glynis Johns is the undeniable heart of the film, she is bolstered by one of the finest supporting casts in British comedy. Googie Withers is perfectly cast as Paul's increasingly bewildered and suspicious wife, Clare. But it is the magnificent, eccentric Margaret Rutherford who threatens to steal the entire picture as Nurse Carey. Hired to look after the "patient," she is not shocked to discover Miranda's secret but openly delighted, exclaiming, "It's a mermaid! I've always believed in them!" The film is packed with witty dialogue and brilliant sight gags that never get old: Miranda's insistence on eating raw fish sandwiches, her casual snacking from the goldfish bowl, and a priceless scene at the zoo where she communicates with the seals. It's all so unapologetically fun, a droll and airy fantasy that was a smash hit with audiences at the time, and it's easy to see why. Miranda is a whimsical, charming, and thoroughly amusing escape that still feels as fresh and sparkling as the day it first splashed onto the screen. This and previous episodes can be found everywhere you download your podcasts   Bonus content available at: patreon.com/ReelBritanniaPodcast   Follow us on Twitter @rbritanniapod    Thanks for listening Scott and Steven

Intelligence Notes: New Yorkers Flock to Food Banks as Gov Shutdown Halts SNAP Benefits, will these societal disruptions lead to a Civil War?#politics #usgov #usa #nwo #civilwar #welfare #dhs #truth #societyTo support the [Show] and its [Research] with Donations, please send all funds and gifts to :$aigner2019 (cashapp) or https://www.paypal.me/Aigner2019 or Zelle (1-617-821-3168). Shalom Aleikhem!

Today - Food banks across Washington are seeing an overwhelming surge in demand as SNAP benefits stall during the prolonged government shutdown.Support the show: https://www.wenatcheeworld.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

In Worcester, there's a branch of a local credit union that has a lot of young energy behind the scenes! All One Credit Union recently opened up a branch at Worcester Technical High School, and patrons who come to do their banking will find students behind the counter processing their transactions. Nichole talks with Lauren Hayes, the head of the Finance, Marketing, and Business Management department at WTHS, Dr. Patricia Suomala, the Director of Career and Technical Education at WTHS, Brittany Haley, All One Credit Union's Assistant VP of Financial Education, and a student in the program to learn all about it.See omnystudio.com/listener for privacy information.

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Friday Headline Brief of The Wright Report, Bryan covers the U.S. government shutdown's impact on national security, Democrats' energy messaging strategy, Ford's massive electric truck losses, China's latest espionage scandal, and new medical research linking heart and brain health. U.S. Troops Told to Visit German Food Banks: A U.S. Army base in Bavaria posted a list of local soup kitchens for service members and families struggling during the shutdown — a move that shocked German media and sparked Pentagon embarrassment. Bryan warns foreign spy agencies could exploit unpaid American personnel for recruitment, saying, "That's how the CIA would target desperate officers abroad — and it's happening to us now." Democrats' Winning Playbook: Democrats' recent election victories were fueled by economic messaging, especially on rising energy costs. Bryan explains how candidates tied AI data centers and electric vehicles to higher utility bills — a strategy Republicans must counter before 2026. Ford's Electric F-150 Collapse: The automaker faces $13 billion in losses after poor demand for its Lightning pickup. Bryan notes Toyota's hybrid-first strategy is proving right, calling the EV rush "a cultish demand that ignored market reality." China's Espionage and Agricultural Games: Three Chinese nationals in Michigan were arrested for smuggling genetically modified worms, while Beijing signed $5 billion in new U.S. grain deals. Bryan warns that "China is both robbing our labs and buying our fields." Trump Weighs Action in Nigeria and Venezuela: The President is considering U.S. military intervention in Nigeria to protect Christians from Islamist attacks while reviewing regime-change options in Venezuela. Bryan asks listeners to consider: "How many American lives would we trade to save others abroad?" Dementia and Heart Disease Discoveries: British scientists found that small increases in heart enzyme levels may predict dementia risk years before symptoms. Meanwhile, South Korean researchers discovered gut bacteria linked to coronary artery disease, reinforcing the connection between diet, heart health, and brain function.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: U.S. Army Bavaria food banks shutdown, Pentagon security risk spy recruitment, Democrats energy utility bill messaging, Ford F-150 Lightning EV losses, Toyota hybrid success, Chinese bioresearch smuggling Michigan, Trump Nigeria Christians military intervention, Venezuela Maduro regime change debate, dementia heart enzyme biomarker, gut bacteria coronary artery disease

Not only are we experiencing a government shutdown, but our financial system is deeply broken, and that isn't going to change any time soon. It is not just the poor that are being attacked and made to suffer, but the middle class is also losing its ability to maintain a living wage, and the dangers truly exist when we see that the banks and even our fiat currency are losing their value. We have put our trust in the legacy banking system, which many of us have taken for granted, but the security that our money is safe is no longer there. What can Americans do to recover from this economic nightmare? Listen to Ground Zero with Clyde Lewis M-F from 7-10 pm, pacific time on groundzeroplus.com. Call in to the LIVE show at 503-225-0860. #groundzeroplus #clydelewis #banking #legacy #fiatcurrency #gold

On this episode of The Jon Gordon Podcast, I sit down with Bernard Banks—director of the Doerr Institute for New Leaders at Rice University and co-author of The New Science of Momentum—for a powerful conversation about leadership that endures. Bernard draws on his experiences teaching at West Point, leading at Northwestern's Kellogg School, and developing future leaders at Rice to share what makes great leadership: character, competence, intentionality, and accountability. We discuss the importance of trust, positive influence, and the ability to balance results with empathy to achieve sustainable success. Bernard also offers key insights from his new book about how leaders turn moments into momentum, breaking down practical strategies backed by research and lived experience. Whether you're leading a team or just starting out, this episode is a reminder that leadership is about influence and impact, not just authority. Tune in for actionable inspiration to grow as a leader and make a lasting difference.   About Bernard, Dr. Bernard (Bernie) Banks is a renowned expert in leadership and organizational change, with global experience leading and developing teams across diverse sectors. He currently serves as Director of Rice University's Doerr Institute for New Leaders and Professor in the Practice of Leadership at the Jones Graduate School of Business. A retired U.S. Army Brigadier General, Dr. Banks led West Point's Department of Behavioral Sciences & Leadership before transitioning to academia, where he also served on the senior leadership team at Northwestern University's Kellogg School of Management. He holds degrees from West Point, Northwestern, Columbia, Harvard, and a Ph.D. in social-organizational psychology from Columbia. His work has appeared in Harvard Business Review, Military Psychology, and The New York Times, and his latest book, The New Science of Momentum (HarperCollins, 2025), explores how great leaders and coaches build lasting impact.   Here's a few additional resources for you… Follow me on Instagram: @JonGordon11 Order my new book 'The 7 Commitments of a Great Team' today! Every week, I send out a free Positive Tip newsletter via email. It's advice for your life, work and team. You can sign up now here and catch up on past newsletters. Ready to lead with greater clarity, confidence, and purpose? The Certified Positive Leader Program is for anyone who wants to grow as a leader from the inside out. It's a self-paced experience built around my most impactful leadership principles with tools you can apply right away to improve your mindset, relationships, and results. You'll discover what it really means to lead with positivity… and how to do it every day. Learn more here! Join me for my Day of Development! You'll learn proven strategies to develop confidence, improve your leadership and build a connected and committed team. You'll leave with an action plan to supercharge your growth and results. It's time to Create your Positive Advantage. Get details and sign up here. Do you feel called to do more? Would you like to impact more people as a leader, writer, speaker, coach and trainer? Get Jon Gordon Certified if you want to be mentored by me and my team to teach my proven frameworks principles, and programs for businesses, sports, education, healthcare!

Crypto News: Ray Dalio warns Fed is stimulating the economy into a bubble and assets like crypto will pump. Banks lobby US Treasury for blanket stablecoin yield ban, Coinbase pushes back. Brought you by

Banks dramatically underestimate how their customers share financial data, and most of it happens through insecure screen scraping that creates fraud vulnerabilities and slows performance. Shane McWilliams, Head of Retail Digital Banking at FIS, breaks down the three critical challenges separating thriving institutions from those being left behind: serving small and medium businesses as a central financial hub, enabling secure data sharing through APIs, and moving beyond product-centric thinking to build sticky customer relationships. McWilliams reveals that when he asks bank executives to guess what percentage of their customers are sharing data with third parties, "they're not even close" to reality. He explains how modern SMBs expect their banks to integrate everything from cash flow monitoring to accounting systems, why personalization needs to go beyond UX optimization, and how banks that orient around customer needs rather than products will win in today's competitive environment.

Mike Switzer interviews Brent Garrett, chair of the Independent Banks of South Carolina.

Senator Banks joins the show to talk about the government shutdown, responding to his Will Cain Show comments, and more. See omnystudio.com/listener for privacy information.

Rob from Kendall and Casey calls-in to respond to our interviews with Sen. Banks and Lt. Gov. Beckwith. See omnystudio.com/listener for privacy information.

The Federal Reserve just ended quantitative tightening and quietly injected $29 billion into US banks — the largest since 2020. This signals a deeper liquidity crisis threatening your deposits, your savings, and the value of the dollar itself.

For most people, debt isn't a mistake; it's just life. The mortgage, the car loan, and the credit cards are what everyone does. Making the minimum payments feels normal, but that actually keeps people stuck. Millions of families are drowning in debt, and they're barely managing. They're working hard, keeping up with their bills, but almost every dollar they earn goes right back out in interest. They're not moving forward; they're treading water. The hard part is, they're not doing anything "wrong." They're doing what the system taught them to do: stay cash-poor while the banks collect. People proudly lock in their 30-year loans at "record low rates," convinced they've made the smartest financial move of their lives. But they don't realize that even at 3%, they're giving away hundreds of thousands in interest. That money could be building security, breathing room, and financial freedom.  What if the same dollars you're paying the bank every month could start working for you instead? What if your paycheck could reduce your interest, shorten your payoff timeline, and create new cash flow, without earning a cent more? In this episode, Velocity Banking expert Christy Vann and all-in-one loan expert Harrison George return. We unpack how the system keeps you cash poor, and the simple shifts that can set you free. From using tools like the all-in-one first-lien HELOC to applying velocity and Infinite Banking principles, you'll learn how to redirect your money and eliminate debt faster.    Things You'll Learn In This Episode  The minimum-payment illusion Most people think staying current on their bills means they're managing their money well. What if that belief is the very thing keeping them broke? The hidden cost of a low-rate mortgage A 3% mortgage feels like a win, until you realize it's still costing you hundreds of thousands in interest. How can you flip that money back in your favor? Turning interest into opportunity Every month, you hand a portion of your paycheck to the bank. What happens when you start redirecting that same money toward your own freedom instead? The smarter way to get debt-free You don't have to earn more or live with less to change your situation. How do systems like the all-in-one HELOC, Velocity Banking, and Infinite Banking make that possible?   Guest Bio   Harrison George is a highly accomplished Mortgage Loan Officer at CMG Financial in Meridian, Idaho, specializing in both purchase and refinance solutions. With a degree from Colorado Mesa University, he has earned recognition as a Top Producer by Scotsman Guide for his exceptional loan performance. Harrison is a thought leader in mortgage innovations, particularly the "All‑in‑One Loan" concept using LinkedIn and YouTube to educate homeowners, investors, and realtors on how to build equity faster and achieve greater financial flexibility. Dedicated to client success, Harrison emphasizes transparent communication and customized strategies, earning consistently positive feedback from satisfied borrowers.   Subscribe to The Harrison George Team on YouTube Find Harrison on LinkedIn @Harrison George Christy Vann is a Velocity Banking expert, coach, and founder of Vanntastic Finances. She is a financial educator teaching people how to become debt-free very, VERY quickly! Christy explores debt-relief options with individuals, so we all may live in total financial peace! For more information, head to https://vanntasticfinances.com/, subscribe to her YouTube channe,l and join her private Facebook group.    About Your Host   From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier.   His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.   Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

Story 1: '5 Things To Watch For' as Election Day has arrived in New York City and other parts of the country. Will breaks down the ideological divides forming not just among Democrats with the likely election of socialist Zohran Mamdani, but among Republicans as well, and explains why President Donald Trump is the one thing holding it all together. Story 2: Senator Jim Banks (R-IN) joins Will to discuss the attitude on Capitol Hill towards New York City mayoral candidate Mamdani and the possibility of the government reopening soon as the shutdown reaches its 35th day. Later, Sen. Banks weighs in on President Trump's call for the Senate to eliminate the filibuster. Story 3: President of Metal Art of Wisconsin Shane Henderson brings z Patriot Award into the studio and explains how he created this year's awards. Shane goes in depth into the creative process, from obtaining historic material, such as wood from George Washington's Elm Tree and genuine bullets from the Revolutionary War, to putting it all together in a way worthy of being presented to America's biggest patriots. Subscribe to ‘Will Cain Country' on YouTube here: ⁠⁠⁠Watch Will Cain Country!⁠ Follow ‘Will Cain Country' on X (⁠@willcainshow⁠), Instagram (⁠@willcainshow⁠), TikTok (⁠@willcainshow⁠), and Facebook (⁠@willcainnews⁠) Follow Will on X: ⁠⁠⁠⁠⁠@WillCain Learn more about your ad choices. Visit podcastchoices.com/adchoices

Following two federal court rulings, the Trump Administration said it would partially fund SNAP benefits this month. The uncertainty surrounding SNAP is expected to increase demand at Seattle food banks. We talk with Deb White, a Plymouth Housing resident who relies on food assistance, and Jen Muzia, executive director of the Ballard Food Bank. It’s our daily roundup of top stories from the KUOW newsroom, with host Patricia Murphy. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.