Podcasts about banks

  What does it really take to make housing more attainable?   This week on From the Rooftops, I'm looking at several very different proposals aimed at housing affordability and homeownership, starting with a proposed rent stabilization ordinance in Santa Barbara, California.   The Santa Barbara City Council approved a draft Residential Rent Stabilization and Rental Registry Ordinance with amendments and sent it forward for formal introduction. The proposal includes annual rent adjustments equal to 60% of the Consumer Price Index or 3%, whichever is lower, along with a seven-member, tenant-majority Rent Stabilization Board.    I'm also digging into a request from Rep. Lauren Boebert for federal regulators to explore mortgage underwriting and credit-score reforms. Her letter calls for consideration of more flexible down-payment requirements, rental-payment history and nontraditional income patterns when evaluating borrowers. For REALTORS® and other commission-based or self-employed workers, that last piece should sound familiar.    Then there's the newly introduced Homeownership Promise Act from Sen. Jeff Merkley, cosponsored by Sen. Ron Wyden. The proposal would create Homeownership Promise Accounts offering eligible first-time homebuyers a $5 federal match for every $1 saved toward a down payment. It's a proposed bill, not a $50,000 homebuyer giveaway that's available today.    I also return to Western North Carolina two years after Hurricane Helene with a story from my latest Bricks and Grit about a family whose nine-month-old home was destroyed in a landslide while the mortgage remained. Through Patriot Relief, I've seen firsthand how complicated housing becomes when the house itself is gone but the financial obligations remain.    Housing affordability touches rental policy, mortgage qualification, down payments and what happens to property owners after disaster. REALTORS® need to understand what is actually being proposed before our clients encounter the headline.   This week's From the Rooftops was prerecorded while I'm in Louisiana with Louisiana REALTORS®.   Premieres Thursday at 9:00 AM ET.   Chapters 0:00 Why housing attainability matters more than affordability 2:10 Santa Barbara proposes disastrous rent control plan 4:39 Tenant-controlled boards will worsen housing shortages 6:46 Mortgage qualification changes aim to help first timers 10:46 Down payment myths keep buyers out of the market 12:33 Government down payment plans will fuel inflation 17:42 Mortgage rates rise because of global economic shifts 23:29 Banks fail families after natural disasters strike   ––––––––––– Leigh Brown is a REALTOR®, broker-owner, auctioneer, national keynote speaker, and author whose work helps professionals lead with confidence, communicate with purpose, and build businesses rooted in trust and relationships.  

Crypto News: SEC proposes new crypto custody rules for investment advisers and funds. Fiserv launches its digital asset platform on Solana, starting with Bank of North Dakota's Roughrider Coin. Evernorth clears shareholder vote ahead of Nasdaq debut with 473M XRP treasury.

In this week's episode of the Wade Keller Pro Wrestling Post-show from five years ago (10-1-2021), PWTorch editor Wade Keller was joined by Mike Chiari from Ring Rust Radio and Bleacher Report to discuss WWE Friday Night Smackdown with live callers and on-site correspondents to discussed the WWE Draft's first night in great depth, including assessing the order, what fresh match-ups could occur, and who might be next to be drafted on Monday. They also discussed the Roman Reigns-Brock Lesnar angle, the Sasha Banks vs. Bianca Belair match, the Seth Rollins home invasion of Edge and Beth Phoenix's house, Crown Jewel's line-up and hype, the King of the Ring and Queen's Crown tournaments, and more. They also talked with three on-site correspondents with details on what happened off live TV, crowd reactions, and the live show experience.Become a supporter of this podcast: https://www.spreaker.com/podcast/wade-keller-pro-wrestling-post-shows--3275545/support.

Betsy Graseck and Michael Cyprys explore how AI could expand advisor capacity and tokenized assets could grow into a $2.3 trillion market by 2030.Read more insights from Morgan Stanley.----- Transcript ----- Betsy Graseck: Welcome to Thoughts on the Market. I'm Betsy Graseck, Morgan Stanley's Global Head of Banks and Diversified Finance Research. Michael Cyprys: And I'm Mike Cyprys, Head of U.S. Brokers, Asset Managers, and Exchanges Research at Morgan Stanley. Betsy Graseck: Today, we're looking at the next phase of growth across asset and wealth management – and how tokenization, AI, and changing investor flows could reshape the industry. It's Thursday, October 1st at 9am in New York City. Assets under management, or AUM, are near record highs across the globe, with a lot changing beneath the surface. Now, much of the recent AUM growth has come from markets rather than from net new client flows. And meanwhile, fees do remain under pressure. At the same time, technologies like AI and tokenization are creating new opportunities for both asset and wealth managers. Our base case has tokenized real world assets growing from roughly [$]40 billion today to about [$]2.3 trillion by 2030. Mike, let's start with tokenization. What are the use cases that matter most near term? Michael Cyprys: So, as we think about it, there's a number of use cases that we see. The most compelling ones really are around cash treasuries and collateral. Take for example, earning yield. Some tokenized funds allow you to earn interest by the minute or the second that is invested rather than having to remain invested by that 4pm cutoff that is the case today. Another benefit is allowing collateral to move around a lot more easily, and this can help support a shift toward 24/7 markets. So, if securities can trade 24/7 – or derivatives – you may also need the cash leg of that transaction to keep pace. Right now, there are certain futures contracts that do trade over a weekend, but those positions do need to be pre-funded on Friday. So that's going to limit perhaps the full uptake for that of 24/7 until you can get the movement of the collateral to keep pace. And that's where tokenization can come in to help solve a real market need. There's also trapped collateral that's just sitting around the world, where institutions and corporates just keep pockets of liquidity in different places just in case they need it at a moment's notice. There's a cost to that while it sits idle. But tokenization can allow for just more just-in-time movement of money, say with tokenized deposits, tokenized money funds, or stable coins. And another use case is around investors outside the U.S. that may not have as easy access to U.S. markets. But tokenization can help lower barriers, reduce frictions, and allow for greater access to U.S. market exposure. Private markets get a lot of attention, but we think that's maybe a little bit further out. So, to put some numbers around this, today there's around [$]40 billion of tokenized real-world assets. So, think tokenized stocks, bonds, funds. In our base case, we could see that growing to about [$]2.3 trillion by 2030, with a vast majority tied to these collateral mobility and reserve and treasury management use cases. Betsy Graseck: Pulling up a notch, we are expecting assets under management to reach about [$]247 trillion by 2030. But revenue growth is expected to lag asset growth. Mike, what really separates the firms that can grow above market trends you expect? Michael Cyprys: Yeah. So, as you said, most of the growth is going to be driven by market beta, right? So, we have expectation for about 9 percent growth annually in assets under management for about $160 trillion globally today to about $250 trillion by 2030. We expect about three-quarters of that growth rate comes from market beta, which leaves you around 2.5 percent for organic asset growth. So, growing just AUM with the market is not going to really be enough to differentiate. And so, as we think about, you know, how one can differentiate? First, I think it comes down to where one is positioned across the industry. We do see flows concentrating in passive solutions and selected private markets, and the economics can be pretty different there as well. Another way to differentiate is through distribution. Wealth, retirement, model portfolios, customized solutions, all of those channels are becoming much more important. And so, you want to be closer to where that asset allocation decision is actually getting made. And another point of differentiation is around operating leverage, and that's where AI comes in, which I'm sure is a topic we're going to get to in a little bit. That we think can help allow money managers to expand research coverage, can allow salespeople to cover more clients, allow for adding more products and customization without adding necessarily a lot more people and cost at the same rate. So, look, bottom line, I'd say, we think above market growth from having the right products, the right distribution, getting them in front of the right clients, and the technology to scale that just a lot more efficiently. Betsy Graseck: And how important is that AI tool going to be, in your opinion, for separating yourself from the pack? And is it more top-line generative or cost efficiency generative? Michael Cyprys: I think it's critical. It's both. I think it changes the competitive game because a lot of the economics are very different across the businesses, right? Take passive and index investing, for example, that continues to take share. It's a low-fee business, so there scale really matters. In solutions and private markets, the revenue opportunity is better, but you need more capabilities and distribution reach. And in private markets, origination is also key, as well as distribution, right? You can have private credit or an infrastructure product out there in the marketplace. But if you can't get it into a wealth or retirement or insurance channels, then you're leaving a lot of growth on the table. And then with traditional active, performance still matters, but the wrapper is key. Distribution matters more so than ever, and active ETFs are a great example of that. Betsy Graseck: And one question on AI is: How far along do you think it is in your coverage embedded already in the workflow and the processes across your group, your asset managers? Michael Cyprys: So, we're pretty early days here. A lot of firms, already have AI tools today: RFP tools, sales tools, tools within the operational and distribution side. But saving someone, you know, 10 minutes on a task doesn't necessarily show up in the P&L, right? You need to start removing entire steps from workflows. And then using that time savings to cover more clients, to launch more products, do more research, and ultimately slow the pace of hiring. And that's where we think the industry needs to move towards, away from these, sort of, point solutions into an enterprise workflow. And that is tools that connect across the entire organization, underpinned by the same data and the same controls. And our work suggests that this could be pretty meaningful over time, perhaps up to as much as 15 points worth of operating margin improvement – for the leaders over time. But we don't assume that all falls to the bottom line. We expect it to – you know, a lot of that's going to get reinvested, and a portion probably also gets competed away. And when we look at our forecasts for the money managers we cover, I'd say we have modest improvement in operating margins over the next couple of years. And, to your point, on cost versus revenue, we may actually see it on the revenue side first, as it can help allow for more client touches, broader coverage, and faster product development. Betsy Graseck: Okay. So, or as you mentioned, early days. How do you see AI and tokenization impacting either the leverage opportunities, the operating leverage opportunities, or the revenue growth opportunities? Let's start with AI. Michael Cyprys: We think that the potential here is to really improve the capacity to serve clients. As you think about today, the time that advisors spend actually not talking to clients, right? When you think about time that they're spending on meeting prep or research, notes, follow-ups, onboarding. And that's a lot of administrative work that is wrapped up, in terms of the advisor's relationship there. And our work suggests that call it about half of that advisor time could be freed up. Then advisor capacity could increase upwards of 30 to 40 percent on our numbers, and that can also increase the quality and the experience that the clients receive. We also see a broader opportunity beyond just the advisor. As you look across the advisor team and the organization, we see an overall cost to serve to come down quite materially. And I know this is a question you didn't ask it, but that's out there. We don't see AI replacing financial advisors, particularly at the higher end, just given the importance of that trusted relationship. And if anything, the value of that advisor probably goes up, particularly just given there's so much change happening around the world every which way you look. And then you overlay that with the aging demographic trends. We actually think there could be a bull market for advice as we look ahead. And AI could be that tool to enable the industry to execute on that market opportunity set and also help expand the TAM in terms of the ability of the industry to capture that opportunity set and bring advice to more people than was ever possible before. Betsy Graseck: And this would be incremental to your growth outlook that you indicated earlier of 7 percent? Michael Cyprys: This could be incremental… Betsy Graseck: Okay! Michael Cyprys: ... to that opportunity potentially over time. Betsy Graseck: Anything on tokenization that is an opportunity for wealth managers? Michael Cyprys: Oh, absolutely. And I think that we're really, really early days; just scratching the surface on this in tokenization and wealth. You know, I think one way to frame tokenization and wealth is it could just make the client balance sheet that much more productive. And this creates some risk as we talk about in the report for the traditional wealth model with respect to sweep cash and the monetization of that, right? If clients hold less idle cash, that could put some pressure on deposit and sweep economics. But that could also be offset by new lending opportunities at the same time. So, wealth firms need to be able to support tokenized assets and lending capabilities without losing that client relationship to someone else's platform. And that's why longer term, the wallet or the client interface becomes pretty important – because that's where the investments, cash borrowing, payments, all of that comes together. Betsy Graseck: And all of this happening right ahead of Nasdaq and NYSE's December 6th, a big event. Michael Cyprys: That's right. U.S. equity markets are going 23/5 on December 6th. Betsy Graseck: Meaning that the only hours they will be closed every day are between... Michael Cyprys: 8 and 9pm. Betsy Graseck: And that's on a pathway to 24/7 ultimately, you believe? Michael Cyprys: That's our expectation, as you have other disruptors around the world that are looking to provide retail with access to 24/7 markets. Betsy Graseck: Exciting times, Mike. As you indicated in the beginning, we have 79 percent growth with AI and tokenization potentially amping that up ahead of a pathway to a 24/7 market. Michael Cyprys: Indeed. Betsy Graseck: Thank you so much for joining us here on Thoughts on the Market, Mike. Michael Cyprys: It's been great speaking with you, Betsy. Betsy Graseck: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen, and share the podcast with a friend or colleague today.

Patrick McKenzie (patio11) reads his Bits about Money essay on how credit cards make money. The prompt was a listener who wondered how a card can include free travel insurance for someone who never carries a balance. He covers the four ways a card earns revenue (net interest, interchange, fees and marketing contributions), and explains why rewards competition makes some customers in the middle of the credit score ladder persistently unprofitable. He also explains why Europe's interchange cap left cards at about half of electronic payments, while Japan's uncapped interchange quietly pays for the rest of its consumer banking. In a new postscript, he walks through what a proposed 10% APR cap would mean for cardholders at the low end of the market, and how First Republic made sub-10% unsecured loans work by treating them as a way to win deposits.–Full transcript available here: https://www.complexsystemspodcast.com/why-banks-pay-you-to-use-their-credit-cards/  –Presenting Sponsors: Mercury & GranolaComplex Systems is presented by Mercury—radically better banking for founders. Mercury Spend hands your team and agents their own cards with limits you set once, so nobody waits on you to approve a SaaS invoice and nobody chases a receipt. Apply online in minutes at https://mercury.com/. If meetings consistently leave you with hazy action items and lost context, Granola handles the transcription so you can actually participate and gives you searchable notes afterward. Try it free at granola.ai/complexsystems with code COMPLEXSYSTEMS–Links:How credit cards make money: https://www.bitsaboutmoney.com/archive/how-credit-cards-make-money/ –Timestamps:(00:00) Intro(01:11) How credit cards make money(01:55) Bundling and unbundling(03:12) Revenue levers for credit cards(03:23) Net interest(06:19) Interchange(07:34) Interchange makes cards so valuable you're paid to use them(10:02) Fees(10:50) Marketing contributions(13:05) Debit cards: a horse of a different color(13:32) Sponsors: Mercury | Granola(16:54) Postscript(25:27) Wrap

Welcome back to the Royal Blue Podcast!

In this week's episode of The Week That Was, we break down key global and domestic market developments:Global Markets: The US 10-year Treasury yield climbed above 5.2%, its highest since June 2007, as resilient US data and elevated oil prices kept pressure on rates; crude oil surged toward $107/bbl after a deadlock in US-Iran talks stoked fears of disruption through the Strait of Hormuz.India Macro & Economic Data: India's Index of Core Industries grew 4.8% YoY in August, while the crude oil import bill surged nearly 48% YoY to almost $75 billion on elevated global prices; the ADB raised India's FY27 growth forecast to 7.0% from 6.6%, citing strong public investment, resilient services and robust electronics exports.Domestic Equities & Sectors: The Nifty and Sensex fell to near six-month lows on the oil spike and global yield pressures, even as FIIs stayed net buyers; Banks and Energy led the declines while Metals was the only sector to close higher.Speaker:Michelle CastellinoInvestment Strategist 

ChangeNOW's Martin Masser joins us to break down whether banks are already too late to crypto, as stablecoin issuers become banks, Wall Street builds tokenized deposit networks, and SWIFT tests its own blockchain ledger. We dig into the OCC trust charters, bank stablecoin consortiums, and who ends up owning the rails.~This episode is sponsored by ChangeNOW~Use ChangeNOW Crypto➜ https://bit.ly/ChangeNOWpbnGuest: Martin Masser, Director of Strategic Partnerships at ChangeNOWX Account: https://x.com/ChangeNOW00:00 Intro00:10 Crypto Super App01:15 Advise to crypto curious banks02:40 Why banks are looking at crypto infrastructure now?04:10 One in Three people?05:40 Neobanks vs Legacy banks06:20 Will a bank consortium coin be a success?09:00 Are crypto companies becoming banks faster than banks?10:00 ChangeNOW Custody Treasury11:30 Impact when the largest stablecoin issuer becomes a bank?13:20 Banks becoming crypto companies?14:10 Robinhood transition to becoming a bank?15:35 Vaults are “too early”?17:30 SWIFT: “Within 10min”20:00 AI Agent bank adoption happening?24:00 Terry Duffy already winning in policy realm26:15 Hong Kong = Red Coin28:00 ChaneNOW Roadmap#crypto #Banks #Ethereum~Are Banks Already Too Late?

Thabo Shole Mashao speaks to Philip Nel, Head of Corporate Sales at Nedbank Corporate and Investment Banking who explains what financial markets are, and shares on how we can understand them better. They also discuss the impact that they have on our daily lives. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Thursday Headlines: Officials investigate possible terror attack on Israel-bound flight House prices drop for sixth month in a row Banks pass on interest rate rise David Shoebridge named new Greens leader Nathan Cleary wins the Dally M from his dad's couch Deep Dive: One Nation has booted the ABC and The Guardian from press conferences across the country, sparking calls for better protections for journalists and media organisations. Alliance for Journalists’ Freedom wants to see a Media Freedom Bill introduced, forcing Parliament to protect it like any other human right. In this episode of The Briefing, executive director of the Alliance for Journalists’ Freedom Peter Greste joins Sacha Barbour Gatt to talk about how Australian media can be better protected. Further listening: What falling house prices mean for you Follow The Briefing: TikTok: @thebriefingpod Instagram: @thebriefingpodcast YouTube: @TheBriefingPodcast See omnystudio.com/listener for privacy information.

Summer Raphael joins Ash Cash inside the vault to break down what entrepreneurs need to know about business funding, taxes, credit, business structure and becoming more fundable.After starting her financial career at a credit union, Summer gained experience in accounting, loan servicing, auto finance and tax preparation before becoming an entrepreneur herself.Now she helps business owners understand something many people overlook: making money is only part of the game. How your business is structured, how your credit looks and how lenders view you can affect your ability to access capital.Summer makes one of the biggest statements of the episode when she says that, if your credit and business are properly structured, getting $1 million in business funding can be easier than making your first $1 million in business.In this episode:• Why business structure matters for funding• LLCs vs. corporations• What an S Corp actually is• Why Summer believes corporations may have funding advantages• How personal and business credit work together• Why access to capital can help businesses scale• What lenders may look at before approving funding• Why Summer prefers credit unions• Turning a tax business into multiple income streams• Using software and systems to create more freedom• Why getting funding without a plan can put you right back in debt• The role mentorship played in Summer's growth• Why visibility and consistency matter in businessTax rules, lending criteria, entity structures and funding requirements vary by business, lender and jurisdiction. This conversation reflects Summer's experience and perspective and is for educational purposes only. Consult qualified tax, legal and financial professionals for advice specific to your situation.Connect with Summer Raphael:Instagram: @summermarie_87Facebook: Summer MarieTikTok: Learn With Me Summer MarieInside the Vault:@insidethevaultInsideTheVaultShow.comHost:@iamashcashIAmAshCash.comABUNDANCE IS YOUR BIRTHRIGHT.Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life:TheAbundanceCommunity.comTIMESTAMPS00:00 – Getting $1M vs. making $1M01:05 – Ash Cash book CTA02:07 – Welcome to Inside the Vault03:42 – Meet Summer Raphael04:56 – Her background in banking and finance06:47 – The biggest business funding mistake08:12 – Do you really need an LLC?09:05 – Corporation vs. LLC for funding09:32 – Can you convert an LLC later?11:18 – What an S Corp actually is12:17 – LLCs, corporations & liability15:24 – The truth about “double taxation”18:34 – Why Summer left corporate America19:31 – How she got into the tax business21:18 – Financial freedom & being present for her kids23:38 – Turning tax software into residual income24:34 – Why tax professionals need CRMs27:45 – Credit, funding & becoming fundable28:03 – What to do after you get business funding29:03 – Why credit comes first31:48 – Why Summer keeps investing in mentorship34:45 – Building and scaling a tax business36:47 – Where should a new entrepreneur start?37:00 – “It's easier to get $1M than make $1M”38:03 – What can a 780 credit score unlock?38:44 – Business credit bureaus explained39:34 – Banks vs. credit unions41:25 – Summer's vision for the future43:27 – Why “just start an LLC” isn't one-size-fits-all44:34 – Summer's advice: just do it45:16 – Finding your purpose49:17 – Why perspective can change your life51:10 – Are you holding yourself back?53:13 – Connect with Summer53:35 – Closing the Vault54:02 – Join the Abundance CommunityAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Crypto News: Citi expands Coinbase partnership to power stablecoin payments for businesses. Goldman Sachs brings $100 billion Treasury fund into crypto's institutional plumbing. Chainlink launches new version of its crypto bridge tech 'CCIP' to give apps more control over their security.

J.W. Verret, Crypto Law Professor of Accounting & Corporate Securities Law, joined me to discuss the fallout from the CLARITY Act failing to advance, the growing regulatory pressure on DeFi, SEC and CFTC crypto rulemaking, and the future of Zcash and privacy coins. Recorded September 17th, 2026.

Banks have earned 13 to 18% on unpaid property taxes for 100 years. Here's how tax liens work.Every year, over $20 billion in property taxes goes unpaid in America, and investors buy billions of that debt from counties as tax liens. The returns are strong and secured by real estate, but 50 different state rulebooks have kept the game mostly in the hands of hedge funds and banks.Stephen Morel is a 20-year title attorney out of New Orleans. After Hurricane Katrina flooded his home, he built a title insurance program that put roughly 12,000 abandoned properties back into productive use. Now he's founder of JurisDeed, a platform built to make tax lien investing accessible to everyday investors.In this episode:How a tax lien works, and why it's like buying a mortgage from the countyWhy about 90% of tax liens pay back with interest, and only about 1% end in foreclosureWhy state-by-state laws keep most investors outHow Stephen uses AI to build legal tech where "mostly right" means you loseRapid fire: the lie investors tell themselves, his first hire, and his biggest time saverGuest: Stephen Morel, founder of JurisDeed and host of the Innovative Investor podcastLinks:Get on the JurisDeed waitlist (closed beta): https://jurisdeed.comListen to Innovative Investor: https://podcasts.apple.com/us/podcast/the-innovative-investor-podcast-property-debt-wealth/id1877715388#TaxLienInvesting #TaxLiens #RealEstateInvesting #PassiveIncome #TaxDeeds #AlternativeInvestments #RealEstateAttorney #TitleInsurance #PropTech #AIinRealEstate #HurricaneKatrina #NewOrleans #InvestingForBeginners #RealDealChatWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagram

Fixed Interests explores U.S. and European bank performance in 2026. Cynthia Chan, Olivia Perney, and Julie Solar discuss profitability, diverging outlooks, RWA density gaps, and how Basel III reforms could reshape regional banking.

Kokkie Kooyman – Executive director, Denker Capital SAfm Market Update - Podcasts and live stream

Catch Up With All Things Tony Katz! https://wibc.com/schedule/tony-katz-morning-news/ https://wibc.com/897959/tony-katz-3rd-hr-9-28-26-space-force-academy-at-grissom/ Attack at MacDill Airforce base. Senator Banks wants Space Force academy to be at Grissom. Don't trust the midterm polls. TV Theme Song: Redemption Monday - Police Woman --See omnystudio.com/listener for privacy information.

Catch Up With All Things Tony Katz! https://wibc.com/schedule/tony-katz-morning-news/ https://wibc.com/897955/tony-katz-1st-hr-9-28-26-cuba-is-the-third-leg-of-the-stool/ Colts win, Fever Lose. Terrorist plot against US Troops foiled in the UK. Trump still wants to talk to Iran. Ridiculous. Flock cameras are a crime. This woman was tortured by her government. As Tony has been saying, Cuba is the third leg of the stool. Gen Z has been taught nothing about the evils of communism https://wibc.com/897957/tony-katz-2nd-hr-9-28-26-eastbound-and-down/ IU & Colts win, Fever lose. JMV joins to discuss. Today’s Popcorn Moment: Trump claims everything is down except for oil. Not true. Today on the Marketplace: Eastbound and Down! UK gave citizenship to chief’s guard who 'plotted on October 7 anniversary' https://wibc.com/897959/tony-katz-3rd-hr-9-28-26-space-force-academy-at-grissom/ Attack at MacDill Airforce base. Senator Banks wants Space Force academy to be at Grissom. Don't trust the midterm polls. TV Theme Song: Redemption Monday - Police WomanSee omnystudio.com/listener for privacy information.

Jeffrey Epstein earned the reputation as the proverbial king of slime because he thrived in the moral runoff of elite power, operating where money, secrecy, and exploitation overlapped. He attached himself to institutions, governments, financiers, academics, and royalty not through merit, but through usefulness, insinuation, and leverage. Epstein cultivated access by positioning himself as a fixer, a gatekeeper, and a discreet problem-solver for powerful people who wanted favors without fingerprints. He trafficked in secrets, introductions, and kompromat, making himself indispensable to those who feared exposure or craved influence. His wealth was opaque, his credentials dubious, yet doors opened for him everywhere because he knew how to flatter egos and exploit appetites. Epstein did not need legitimacy in the traditional sense; he borrowed it from the people and institutions willing to stand next to him. Like slime, he spread quietly, coating everything he touched while remaining difficult to fully grasp or contain. His power came not from respect, but from proximity to those who had everything to lose.What made Epstein especially corrosive was that he survived precisely because so many respectable systems absorbed and normalized him. Banks overlooked red flags, universities accepted donations, politicians took meetings, and law enforcement deferred when pressure was applied. Even after his criminality was publicly exposed, Epstein continued to move freely among elites, protected by legal deals, professional enablers, and a culture that treated him as an inconvenience rather than a threat. He embodied a kind of moral decay where exploitation was tolerated so long as it was profitable or politically inconvenient to confront. Epstein was not an aberration at the edge of society; he was a product of its worst incentives, thriving in spaces where accountability dissolved on contact with power. Like slime, he did not create the rot, but he fed on it and accelerated it. His story endures because it reveals how easily entire systems will debase themselves to protect the powerful, even when the cost is measured in human lives.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

A bank's “no” doesn't have to mean the end of your business idea. Understanding other funding options—and how to prepare for them—can help entrepreneurs identify a path forward. Recorded at the 2026 Florida SBDC Small Business Success Summit in Charlotte Harbor, this episode of Small Biz Florida features host Tom Kindred in conversation with Boyd Karren, founder and CEO of Otro Financial. A serial entrepreneur, Boyd shares how his own experience being denied a business loan inspired him to help other founders navigate financing challenges. Drawing from his presentation, “When Banks Say No,” he introduces alternative funding approaches, including credit-based financing, personal term loans, business-purpose home equity lines of credit, and retirement-fund business financing. The conversation explores why early-stage businesses face lending hurdles and how building credit, documenting cash flow, and establishing business history can help prepare entrepreneurs for future financing opportunities. Boyd and Tom also discuss starting a business as a side venture while maintaining employment. Boyd highlights his financial education books and introduces plans for Go Biz Girl, a startup academy designed to combine entrepreneurship training with credit education and funding preparation, with a focus on supporting single mothers. Tune in for an encouraging conversation about becoming better prepared for financing, exploring your options, and moving your business idea forward.

LAST MONDAY OF THE MONTH! We're keeping the stream casual, and going where the chat wants to take us! Some important political stories to cover. Facebook could be on the hook for $200 Billion after a lawsuit in New Mexico. Banks can sue Apple over fees. Deepseek made a billion dollars! And what's going on with PS5 emulation? It's time for a pajama podcast! Let's get our tech week started off RIGHT! -- Show notes and links https://somegadgetguy.com/b/4hM Support Talking Tech with SomeGadgetGuy by contributing to their tip jar: https://tips.pinecast.com/jar/talking-tech-with-somegadgetgu Find out more at https://talking-tech-with-somegadgetgu.pinecast.co This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-c117ce for 40% off for 4 months, and support Talking Tech with SomeGadgetGuy.

In this episode, we dive into the challenge of turning Pinterest traffic into Shopify sales and setting up an evergreen growth channel.Catherine Charlton, a Shopify partner and designer, shares how her strategic audit method helps female entrepreneurs break through traffic bottlenecks by connecting Pinterest and Shopify, optimizing product pages, and leveraging visual search.She also reveals strategies for building keyword banks, capturing intent-driven buyers, and preparing stores for AI search visibility.Topics discussed in this episode:  How Pinterest operates as visual search. Why sellers struggle to convert Pinterest traffic. How merchant verification boosts product visibility. Why store audits expose buying friction. How evergreen pins generate multi-year sales. Why keyword banks drive search success. How clear messaging improves AI search ranks. What product page fixes boost conversion rates. How seasonal inventory needs tailored strategy. Why delegating non-core tasks accelerates growth.Links & Resources Website: https://charltonconsulting.org/Download the free SHOPIFY + PINTEREST TRAFFIC CHECKLIST HERE: https://charlton-consulting-llc-7ub5ln.subscribepage.io/ Get access to more free resources by visiting the show notes at https://tinyurl.com/45aucpu2______________________________________________________ Our Sponsors Xero is cloud-based accounting software that helps small businesses, including ecommerce sellers and DTC brands - manage invoicing, cash flow, bank reconciliation, and reporting from one place, on any device. Get 90% off for 6 months. Learn more at https://referrals.xero.com/ecb - T&Cs apply.Bizrate Insights: Star ratings tell you how customers feel. Bizrate Insights reveals what's driving those ratings, helping ecommerce brands create smoother shopping journeys, inspire confident purchases, and build lasting loyalty. Turn verified shopper feedback into clear priorities and better customer experiences. Learn more at https://bizrateinsights.com/coffee ______________________________________________________LOVE THE SHOW? HERE ARE THE NEXT STEPS!Follow the podcast to get every bonus episode. Tap follow now and don't miss out!  Rate & Review: Help others discover the show by rating the show on Apple Podcasts at https://tinyurl.com/ecb-apple-podcasts   Join our Free Newsletter: https://newsletter.ecommercecoffeebreak.com/   Partner with us: https://ecommercecoffeebreak.com/partner-with-us/

Recounting the story of the Exodus of the Hebrew people from Egypt and the crossing of the Red Sea, this song is set to the English tune ‘The Snow it Melts the Soonest' proclaims God's compassion despite the people's continued rebellion and doubt. Telling the tale plainly and with a slightly ominous tone, this Psalm invites us to confess our own propensity to turn away, even when God has done great things for us.Continue your reflections with the accompanying journal, which includes further questions for reflection and some invitations to prayer and practice.Paid subscribers receive a free journal PDF, or you can purchase a paperback versionVisit the Celtic Psalms website for scores/books, mp3s, CDs, and videos for Banks of the NileFind out more about the Habits for the Spirit course: an 8-week online course exploring habits and daily spiritual practices to promote wellbeing in body, mind, and spiritFollow Kiran's monthly reflections on Bless My FeetPsalms for the Spirit is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit psalmsforthespirit.substack.com/subscribe

Hi everyone! It's been a week since the last mix, but as I promised, I'll be gradually uploading plenty of mixes to make up for lost time.I might even turn this into a weekly show (if I get motivated enough). I'll see how you all respond to getting a mix every week and go from there.I hope you enjoy the mix while I keep updating the playlists, get the next one ready, and put a few hours into Wardogs (that game is taking over my life).See you in the next mix! Take care! Love you all ❤️❤️❤️Farewell,BamfPlaylists: https://bamf.biglink.to/PlaylistsDiscord: https://discord.com/invite/7MBfHrRs39Instagram/Twitter: itsBamfTracklist0:00 Philanthrope - Low Serotonin1:37 Philanthrope - Flight4:50 Guidolain beats, Krynoze - Refreshing6:45 Tenka. - Pale Moon8:39 Mujo - Fluffy Cat10:26 Banks, Ptr. - Forage12:30 nurse noir - Charly14:32 wuy-wuy - bolmen16:30 stillnote - one umbrella18:18 Kupla - Pillow Fort20:07 Dontcry - just for a while22:11 minoumi - The city felt softer today24:07 ron quixote - Cocoon26:09 Juliàn, Hoogway - Tender27:56 Collinsworthy - ditto30:05 Slowday - in your eyes32:03 Audio Sculptor - Close Up33:58 Hoogway, HoKø - Currents36:31 Plaxon - Robin38:38 rden.96 - Marinara40:20 Kainbeats - always cold

In this week's fully packed show we have news of yet another ATC outage, a power bank fire, a near miss with a glider, and BA are going to Kilimanjaro.   We're back with the Military news this week, with a report about a ditching of a Merlin, and we'll be hearing about the skies of Cumbria being brought to life.   We also have another interview from the Jersey International Air Display that Nev attended a couple of weeks ago.    You can get in touch with us all at : WhatsApp +447446975214 Email podcast@planetalkinguk.com or comment in our chatroom on YouTube.

Join us in Clean Biz Network! https://www.cleanbiznetwork.app/Join this channel to get access to perks:   / @ajsimmonsonline  Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsGet TubeBuddy to grow your YouTube channel! https://www.tubebuddy.com/pricing?a=a...Follow: @AjSimmonsOnline on Instagram   / ajsimmonsonline  Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Thank you for watching, subscribing, liking, sharing, and commenting!!!!

Nathan McCauley says most banks don't actually know how much money is in their own accounts until the end of the day, and he explains why tokenized deposits are quietly fixing that. The Anchorage Digital co-founder breaks down why losing the Clarity Act isn't the setback people think, walks through Anchorage's three-part product stack for bringing banks on chain, and lays out who he thinks wins the tokenization supercycle.Nathan McCauley is Co-Founder of Anchorage Digital, one of the first federally chartered digital asset banks in the United States.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.00:00 Intro02:14 First Federally Chartered Digital Asset Bank04:09 Genius Act Already Unlocked The Banks06:13 Securities Law Rolled Out Over A Decade08:14 Tokenized Deposits Running Parallel To Legacy Rails10:33 No Hard Cutoff Date For Banks 12:44 Bitcoin Collateral Inside Existing Bank Systems14:55 Repo Market Goes Onchain Collateral Mobility18:29 Old System And New System Run Side By Side20:57 NYSE London Stock Exchange Nasdaq Moving To 203523:20 Which Chain Wins The Settlement RaceGuest Socials:Nathan X: https://x.com/nathanmccauleyAnchorage X: https://x.com/AnchorageAnchorage Website: https://www.anchorage.com/Partners: If you run concentrated liquidity positions you know the grind. Price moves, you're out of range, you're rebalancing at, like, 3am. 1inch Aqua lets you take a different approach. You can stack multiple positions on the same token balance instead of babysitting a dozen pools, and your tokens never leave your wallet. Your liquidity stays awake, so you can catch up on your sleep. Check it out at https://1inch.com/aqua---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Space and Time is providing verifiable data infrastructure for onchain finance. A decentralized database, blockchain indexer, and ZK coprocessor in one, giving DeFi protocols,stablecoins, and tokenized assets accurate, provable data. ---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---

There has been a lot of supermarket chat over the past couple of years, and it's ramping up now that we are headed into the election. National wants to split up Food Stuffs, the Greens want to build KiwiMart, ACT wants regulatory barriers reduced so new competitors can enter, and Labour has proposed separating the wholesale and retail operations of both major supermarket groups. But, Koura Founder Rupert Carlyon says messing with supermarkets will not help the average kiwi household, it is instead banks we need to focus on LISTEN ABOVESee omnystudio.com/listener for privacy information.

This hour: fresh consumer confidence data, investor implications of new headlines when it comes to Iran & China, where AI demand is headed with the CEO of Akamai (who just signed an $11B deal with Anthropic), why Bank of America is calling AI an 'evolutionary risk' for the big banks, and how Nike shares could fall further - according to options traders. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Crypto News: BlackRock & Ondo Finance launch tokenized portfolio strategies. U.S. commodities firms can invest in tokenized assets, use blockchain records: CFTC. Federal Reserve proposes new regulatory framework for stablecoin issuers under the GENIUS Act. Bitget crypto exchange confirms over $350,000,000 stolen following major hack.

A full interview with Chicago White Sox pitching prospect Max Banks after being named a 2026 Carolina League All Star!

Chapter 759 - "What I've Been Chasing" ...as read by Joshua O'Donnell of Banks Arcade Today welcome Banks Arcade frontman Joshua O'Donnell to the podcast! The new Banks Arcade record, Second Place Superstar, is out today on Arising Empire Records. Josh talks about Banks Arcade finding their place in the Australian and New Zealand music scenes, how the band's sound has shifted and evolved into something more focused, the themes on Second Place Superstar, figuring out the touring the landscape for the future, and more.https://www.banksarcade.com/September Sponsor - Philip K Discs https://philipkdiscs.bandcamp.comDiscordPatreonSubstackEmail: asthestorygrows@gmail.comChapter 759 Music:Banks Arcade - "Severance"Banks Arcade - "Rockstar"Banks Arcade - "Yuck"

A full interview with Chicago White Sox pitching prospect Max Banks after being named a 2026 Carolina League All Star!

Canada is launching a stablecoin on Solana to cut its dependence on American banks, payment processors and other U.S. middlemen. We break down what that means for USDC, the dollar's dominance, and whether Canada just took crypto market share from the United States.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:10 Sponsor: iTrust Capital01:10 Canada chooses solana02:00 CADD02:45 Solana upgrade03:10 Six Banks04:20 HOOD and COIN join Canada05:00 US equity buying Canada's payments processors05:30 Canada x Europe06:00 MiCA exchanges06:55 Carney 8 years ago08:15 Kevin O'Leary bullish on Canada09:30 Kevin's new narrative10:40 Post CLARITY Rally11:35 ZCSH $1B12:00 Tom Lee: Next 6 months#Solana #crypto #canada ~Canada Just Declared War On U.S. Banks

Crypto News: NYSE signs deal with BlockchainDOTcom to bring tokenized US stocks to 44 million crypto accounts. US considers plan to promote dollar-backed crypto stablecoins worldwide. XRP Ledger retries upgrade that lets banks split payment and compliance duties. Solana starts testing upgrade that could cut finality from 12.8 seconds to 150 milliseconds.

Raagulan Pathy, Founder and CEO of KAST, joined us to discuss how the company is leveraging stablecoins to make global payments faster, easier, and more efficient.Topics: - KAST's stablecoin initiatives - Banks vs Stablecoins - The future of payments - AI Agents using stablecoins ⭐️ Trade crypto perps with a free $25 bonus on Kalshi. You can trade on crypto up or down with up to 6x leverage, meaning you can put down $100 and control a $600 position. It's the first CFTC-regulated perps exchange in the country, which means no VPN and no offshore nonsense to deal with. To claim your $25 bonus, all you do is make your first $50 trade through my link - https://kalshi.com/p/thinkingcrypto 

Every few years someone tells us banking is about to be disrupted. It never quite happens. So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different?Dharmesh's take? Banking has adopted plenty of individual technologies, from mainframe to client-server, internet, mobile, cloud. None of them disrupted anything. But the iPhone didn't win by being a better phone. Nokia was building a better phone. Kodak was building a better camera. Garmin was building a better GPS. The iPhone was all of them at once, and the market reorganised around it in under five years.His claim is that banking now has its own version of that convergence — what he and Lou call the Quanvergence: open, accessible data; agentic AI; tokenisation; and quantum, arriving together rather than in sequence. Not the best AI bank. Not the best tokenised rails. All of it, in one place. So platform or pipe? And who will win? 

Todd Ritter flies solo without his usual co-host Jim Shannon, but he's far from alone — returning guest Amzie Wenning joins alongside David Sandlin from the House of Commons Bar in Frankfort, Kentucky. The episode centers on a live barrel pick for Bourbon on the Banks Festival, with the trio working through three single-barrel samples from Jackson Purchase Distillery before landing on their selection. Along the way, they warm up with Jackson Purchase's newest release and close out with a surprise bonus pour that pushes the boundaries of what a bourbon podcast usually covers. On the Tasting Mat: - Jackson Purchase Kentucky Select: A 108-proof (54% ABV) straight bourbon built on a 70/20/10 corn-rye-malted barley mash bill, aged approximately four to four and a half years. The nose opens with brown sugar, cinnamon, and a morning-bun warmth — coffee cake and orange zest. The palate delivers sweet corn up front, cinnamon that carries from the nose, and a pleasant mid-palate spice. Caramel and a touch of maple round out the mid-palate, with black tea and a light pepper sizzle on the finish. Impressive color and complexity for its age. *(00:01:58)* - Jackson Purchase Barrel #345 (Single Barrel Sample) — 126.2 proof: One of three barrel candidates submitted for the Bourbon on the Banks Festival pick, distilled October 13, 2021 (lot code 21J13), aged four and a half years, 70/20/10 mash bill. The nose shows vanilla, snickerdoodle cookie dough, and a warm cinnamon-sugar sweetness. On the palate the sweetness is forward and easy-drinking, with clove, orange citrus, and brown sugar notes that read like mulled cider spices. The finish carries a pleasant spicy sizzle with black pepper. Re-visiting this barrel after the other two caused the vanilla to bloom further on the nose. *(00:36:10)* - Jackson Purchase Barrel #363 (Single Barrel Sample) — 128.6 proof: The highest-proof of the three candidates, also four and a half years old on the same mash bill, distilled October 15, 2021 (lot code 21J15). The nose leads with malted barley, honey bread, and a faint grain character — reminiscent of fresh-milled malt. A floral, herbal quality (sage, light thyme) and a lemon-zest citrus note emerge with time. On the palate, honey and malted barley dominate up front, followed by a punch of mid-palate spice. The finish arrives as a wave rather than a sharp sizzle, fading to lemon, black tea, and a gentle tingle on the tongue. *(00:38:00)* - Jackson Purchase Barrel #373 (Single Barrel Sample) — 125.8 proof: The lowest-proof candidate, sharing the same October 15, 2021 fill date and lot code (21J15) as Barrel #363. The nose carries some similarities to Barrel #363 — malt, black tea — but with a faint phenolic or smoky quality and a touch of salinity. The grain character is less pronounced than in Barrel #363. On the palate, it offers a cleaner, more refined profile with a notably long and satisfying finish that stood out from the other two candidates. *(00:41:01)* - Copper and Kings Brandy — Barrel Select (140.4 proof): A 10-year-old grape brandy from Copper and Kings in Louisville, Kentucky, made from a blend of Folle Blanche, Muscat, and Colombard grapes, aged entirely in a used Weller bourbon barrel. This is the Bourbon on the Banks Festival single barrel selection for 2025. The nose is all grape candy, lemon zest, and green tea with lemon — vibrant and aromatic. The palate delivers concord grape, lemon citrus, apple, and a honeyed richness that references the bourbon barrel without losing its brandy identity. A uniquely approachable yet complex spirit that bridges the worlds of brandy and bourbon. *(00:53:29)* Jackson Purchase Distillery, founded with Kentucky Bourbon Hall of Famer Craig Beam and master distiller Terry Ballard and located in Hickman, Fulton County — just two and a half miles from Tennessee — is producing some of the most impressive young bourbon in the commonwealth. A visitor experience is expected to open in fall 2025, so check before making the drive. Bourbon on the Banks returns to Frankfort, Kentucky, with an expanded single barrel program featuring picks from Angel's Envy, Wilderness Trail, Dark Arts, Heaven Hill, Jeptha Creed, Leapers Fork, Abstraction Spirits, Boondocks, Whiskey Thief, and more.

Harrison sold bongs. He never touched the plant. The police still showed up at his house and federal investigators still looked into him, because people assumed anyone shipping at that volume had to be moving product too.In this episode he lays out what it actually costs to run a cannabis-adjacent business under federal prohibition. Banks that froze and closed his accounts as a matter of routine, to the point where the only institution that would take them was overseas. Thousands of units seized at customs over the years through random inspection, all of it destroyed. And the morning his social account with six hundred thousand followers vanished while he was on a plane to pitch investors, leaving him to pitch the next day with nothing.He also talks about finding one of his own custom designs sitting unbranded on a shelf across town, and why he thinks the major platforms change their position the day banking opens up.Head to fsotd.com for the full conversation. Hosted on Acast. See acast.com/privacy for more information.

Crypto News: BlackRock's latest research paper explores the growing connection between AI and crypto. Cardano joins Solana, XRP Ledger in race to power AI agent payments. Binance buys $100 million Circle stake in five-year USDC promotion deal.

Download the 2026 Retail Banking Trends and Priorities report for free: https://www.digitalbankingreport.com/trends/2026-retail-banking-trends-and-priorities/?YouTubeIV50 This is the wrong moment for a bank or credit union to slow its AI deployment. Our own industry said so before any of this noise started. Public unease about artificial intelligence is high, and the people building the world's most advanced systems have started saying out loud that the pace needs to slow. Pew found that 63% of Americans think AI is advancing too quickly, against 2% who think it is moving too slowly. Inside banking, that atmosphere has begun functioning as permission to wait. Jim Marous opens this episode with a board director who asked the question directly: should the institution slow down because of everything he had been reading? Jim argues the answer was settled months ago in a quieter moment. Surveyed by their own trade association, banks described themselves as cautious about AI and still concluded that inaction carries the higher cost, through deeper vendor dependence, internal expertise that never develops, and ground lost as AI becomes part of everyday banking. Nothing in the recent wave of warnings touches any of those three, because the argument at the top of the industry is about how quickly to build the next generation of models, and retail banking is not building them. The episode then does something unusual with the year's scariest AI story. Read closely, the recent disclosures of unexpected model behavior describe a governance failure any banker would recognize: systems rewarded for the wrong things, tasks that could not be completed, errors nobody wrote down. That reframes the whole debate as operating guidance, and it leads into a plain answer to where AI belongs in next year's plan, which use cases to deploy today, which one to pilot where the customer can see it, and what to hold until an approval step exists. About: Banking Transformed is hosted by Jim Marous, a top five banking industry influencer and Co-Publisher of The Financial Brand. Banking Insights episodes deliver the most important strategic ideas in under ten minutes, for the executive who wants the takeaway without the deep dive.

Most banks say they’re community-focused. Altabank had to prove it by tearing down the names people trusted most. In this episode of He Said, She Said: Razor Branding™, Jaci and Michael sit down with Stan Sorensen, Chief Marketing Officer at Altabank, a Utah-based community bank with over a century of history and a footprint that spans the entire state. Stan came to banking from tech and healthcare, joined the bank to lead a rebrand, and — eight years later — hasn’t left. He gets into what it actually took to consolidate five operating names into one, why the hardest part wasn’t the rebrand itself but managing the emotional fallout in the communities that felt the loss, and how his lean team of five runs national-caliber marketing by knowing exactly where their lane starts and stops. Stan also breaks down how a fresh set of outside eyes unlocked a campaign idea they’d been sitting on for three years — and why that’s the real argument for never letting your agency get too comfortable. If you’re a B2B marketer navigating a rebrand, fighting for budget with a board that wants data, or trying to prove that community involvement is a brand strategy, not a PR stunt, this one’s for you.

Welcome to New York City. This week, Lone Lobos is in Manhattan for Red Bull Origin at the Brooklyn Banks. Brooklyn Banks, also known as the mecca of skateboarding, celebrates its return after years of rehabilitation. Thank you to our friends at Red Bull for this event. Listen in as Xolo Maridueña and Jacob Bertrand interview some premier Red Bull athletes for this competition, including Olympian Jagger Eaton, Jake Wooten, TJ Rogers, and Jiro Platt. For highlights and more from Red Bull Origin, follow @redbullskate,@redbullusa and visit the official event website.ABOUT RED BULL ORIGINRed Bull Origin is a challenge-based skateboarding event that unitesgenerations of skaters to celebrate the cities that shaped streetskateboarding's global culture. The event reimagines iconic skate spots,rebuilding historic obstacles to test today's top talent on legendary terrain.Featuring pioneers, icons, and rising stars, Red Bull Origin honorsskateboarding's legacy while empowering the next generation to carry it forward.Lobitos, to make this week's bonus exciting, stay tuned later this week for a special BTS vlog featuring Xolo Maridueña, Jacob Bertrand, and the team as they explore New York City together for the first time. Keep an eye on that email; we'll send the alert as soon as it's out!Join lobitos exclusivos to listen to the bonus and watch out past livestreams: https://lonelobos.supercast.com/Follow Lone Lobos on Instagram: https://www.instagram.com/lonelobos.Follow Xolo Maridueña on Instagram:y https://www.instagram.com/xolo_mariduenaFollow Jacob Bertrand on Instagram: https://www.instagram.com/thejacobbertrandaFollow Jordan on Instagram: https://www.instagram.com/jmkm808Follow Monica on Instagram:https://www.instagram.com/officialmonicat_http://www.heyxolo.com/Jacobs Channel:  @ThreeFloating  

Sandy Kaul, Head of Digital Assets and Innovation Strategies at Franklin Templeton, joined me to discuss the firm's crypto and tokenization initiatives and her outlook on the future of financial markets. Recording on Sept 14thTopics: - Franklin's Crypto & Tokenization initiatives - Will Real Estate go onchain? - Tokenization and the future of markets - Tokenization risks AMC CEO vs Robinhood- AI Agents use of stablecoins and crypto assets ⭐️ Trade crypto perps with a free $25 bonus on Kalshi. You can trade on crypto up or down with up to 6x leverage, meaning you can put down $100 and control a $600 position. It's the first CFTC-regulated perps exchange in the country, which means no VPN and no offshore nonsense to deal with. To claim your $25 bonus, all you do is make your first $50 trade through my link - https://kalshi.com/p/thinkingcrypto 

Crypto News: Bitcoin's rally continues with price hitting $87,000 today. Trader Peter Brandt shares XRP and Ethereum price predictions. Google and Apple seek crypto talent as Big Tech eyes stablecoin and tokenization rails.⭐️ Trade crypto perps with a free $25 bonus on Kalshi. You can trade on crypto up or down with up to 6x leverage, meaning you can put down $100 and control a $600 position. It's the first CFTC-regulated perps exchange in the country, which means no VPN and no offshore nonsense to deal with. To claim your $25 bonus, all you do is make your first $50 trade through my link - https://kalshi.com/p/thinkingcrypto 

Google Fined €403M by Irish DPC Over GDPR Location Data Violations, Anthropic and OpenAI CEOs Brief UN Security Council on AI Safety, and Adobe Officially Launches Redesigned Free Premiere App on Android. Download MP3 Please subscribe for free or get DTNS shows ad-free. A special thanks to all our supporters—without you, none of this would […]

The Vikings' 2026 first-round draft pick, defensive lineman Caleb Banks, saw an uptick in his snaps from Week 1 to 2. How did he fare? Minnesota Star Tribune reporters Andrew Krammer and Emily Leiker break down some of his film from the Vikings' 9-3 win over the Bears. They highlight two of Banks' stronger plays and where he could improve, while looking to teammate Jalen Redmond for what one of his negative plays should look like.

Looking for small space storage hacks and home organization ideas that actually make sense for how you live? In this episode, I sit down with Jess Banks — robotics engineer, furniture designer, and star of Netflix's Hack Your Home — to talk about why homes fail us, and the small, genius hacks that can fix it. Jess has an insane background — physics, robotics, running her own kinetic furniture company — and she brings all of it to how she thinks about storage and space. We get into why "messy" isn't actually a character flaw (it's just a mismatch between your brain and your space), how to design furniture and storage that flexes for visual vs. hidden organizers, and why she thinks almost every home is missing a few key pieces of smart storage. We also get into: ✨ Why homes are never really built for how any one person actually lives — and what to do about it ✨ The "touchpoint" method for deciding what deserves prime real estate vs. deep storage ✨ Jess's ADHD, her own visual-but-contained organizing style, and how she's "hacked" her own space to work with her brain instead of against it ✨ Why multi-purpose furniture (like a table that folds flat into the wall) might be the small-space answer we've all been missing ✨ Her surprisingly brilliant trick of using different scents to help her brain context-switch between creative, analytical, and admin work If you've ever felt like your clutter is somehow your fault, this conversation is a great reminder: it's not you, it's your storage. Follow Jess on Instagram @rockpaperrobot, and watch Hack Your Home on Netflix — I promise you'll be as obsessed as I am! Want to get organized? Learn 6-Step The Clutterbug Method: https://clutterbug.thinkific.com/courses/Clutterbug-Method You can find more Clutterbug content here: Main YouTube Channel: @Clutterbug Website: http://www.clutterbug.me TikTok: https://www.tiktok.com/@clutterbug_me Instagram: https://www.instagram.com/clutterbug_me/ Facebook: https://www.facebook.com/Clutterbug.Me/ #clutterbug #podcast #JessBanks #Netflix #HackYourHome #storagesolutions #smallspace #spacedesign #inventors #furniture Learn more about your ad choices. Visit megaphone.fm/adchoices

I asked for positive news this week. What I got was surveillance, a global humiliation, and a man duct taped to his seat at thirty thousand feet. We open with reporting that Homeland Security has been analyzing the financial data of American citizens, and that some units have used it to steer local police toward pretextual traffic stops. Banks have run keyword filters on transactions. Agencies have swept up bulk records from money transfer services. Credit reports, utility bills and location data get purchased outright from private brokers, which sidesteps the Fourth Amendment entirely. There is a term for where that ends up. Turnkey totalitarianism is a system where every pillar of mass surveillance is built and operational, waiting on one person to connect it. I could not steel man the argument that we are not already there. From there we get into age and capacity in elected office, Apple's attempt to certify that a photograph is real, and why current AI produces novel output but not novel thought. Then it lightens up. A competitive fitness scandal goes worldwide. An actor announces what he would do to people in a fight. A first class passenger gets restrained with zip ties and duct tape between Dallas and Newark. We close with 163 missing children recovered in Florida in four days.  Today's Sponsors:  Willies Remedies:  Order now at https://www.drinkwillies.com and use code CLEAREDHOT for 20% off your first order plus free shipping on orders over $95. Or use the store locator to find Willie's on shelves near you, like your local Total Wine, Specs, ABC or local liquor store AG1:  Go to https://www.drinkag1.com/clearedhot to get a FREE AG1 Flavor Sampler and AGZ Sampler to try all the flavors, plus FREE Vitamin D3+K2 and AG1 Welcome Kit with your first AG1 subscription order!