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Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. 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Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

The housing market is flashing warning signs not seen since 2008, and Wall Street veteran Todd "Bubba" Horwitz is sounding the alarm. With 45+ years of experience as an original S&P pit trader, Bubba joins Daniela to deliver a blunt reality check on the economy, the Fed, and where smart money is moving right now.

In this episode, Scot Fields, founder of CEO Capital Funding, shares insights into his unique approach to real estate investment loans, operational strategies, and the importance of relationships in business. Discover how his company differentiates itself in a competitive market and his vision for future growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Friend of the program Marcolm "Big Money" Banks joins to discuss Morgan State's historic date against Arizona State and the Bears *finally* receiving the call for the MEAC-SWAC Challenge.Follow Marcolm on X!:https://x.com/BigMoneyBanks27Check out HBCU Nightly on X and their website!:https://x.com/HBCUNightlyhttps://www.hbcunightly.com/watch

On the latest episode of Bleav in Giants, Carl Banks and Bob Papa discuss the Giants first week of training camp with optimism surrounding new head coach John Harbaugh's emphasis on accountability, discipline, and structure. Carl Banks says players have embraced the culture change after a frustrating 2025 season, believing the new standard is already evident throughout camp. Banks highlights several early standouts, including linebacker Arvell Reese, defensive lineman Darius Alexander, and a rejuvenated Odell Beckham Jr., while noting that roster battles—especially at linebacker, receiver, and defensive back. They also discuss Jaxson Dart's development following criticism from Ben Solak and touch on other players who have been impressive to watch. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As we move into the warmth and energy of summer, we're invited check in with ourselves, and ask a powerful question: What am I still carrying that I no longer need to take with me?Summer often represents vitality, energy, abundance, expansion, and movement. But before we can fully embrace what a new season has to offer, we may need to create space by releasing the thoughts, emotions, habits, attachments, and expectations that have been weighing us down.In this episode of Shots of Serenity, we're exploring the art of letting go, not as a way of forcing ourselves to move on, but as an intentional practice of recognizing what has served us, honoring where we are now, and giving ourselves permission to choose differently. Sometimes letting go doesn't mean walking away from something. Sometimes it means releasing the version of ourselves that believed we had to keep holding on.✨ Stay Connected with Shots of Serenity ✨Thank you so much for tuning in! If today's episode resonated, please share it with someone you love and subscribe on your favorite platform — iTunes, SoundCloud, Spotify, or Google Play.

Sam Kazemian makes the case that there's no hidden "dead body" under this digital assets cycle, and he breaks down how GENIUS-compliant stablecoins could power instant business banking, from incorporation to payroll to DeFi, from day one. He also unpacks Frax's new banking partnership with Erebor and why he believes a handful of stablecoin consortiums could become "the next Visa network."Sam Kazemian is the Founder of Frax, a protocol behind frxUSD and one of the earliest and longest-running stablecoin projects in digital assets.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps:00:00 Intro02:34 No Big Dead Bodies In Crypto06:26 Instant Business Banking Onchain09:50 Frax's Erebor Banking Partnership15:55 Open USD Alliance Explained21:13 The Next Visa Network Is Forming25:46 Genius Compliant Or BustGuest Socials:Sam Kazemian X: https://x.com/samkazemianFrax Finance X: https://x.com/FraxFinanceFrax Finance Website: https://frax.com/Partners: Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---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 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/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---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/---

The National Asset Management Agency was dissolved at midnight on Friday. It spent more than 16 years managing down the bad loans it took from Irish banks at the height of the financial crisis. Patrick Honohan, former governor of the Central Bank at the time that NAMA was established, joined Adam in studio for a post-mortem.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Crypto News: Cynthia Lummis exposes Elizabeth Warren's Clarity Act and Crypto lies as President Trump reviews ethics updates in the Clarity Act bill. $40 million worth of Bitcoin stolen after 500 'Coldcard' hardware wallets were hacked.

http://www.copperplatemailorder.com                                 Copperplate Podcast 320                                presented by Alan O'Leary                                           AUGUST 2026                             www.copperplatemailorder.com 1. GERRY DVER:  The Bath Set. Diversions 2. ISLAND EDDY: Larry Redican's/The Leitrim Lilter.  Island Eddy   3. TONY REIDY:  Mayo Man.  A Rough Shot of Lipstick 4. DAITHI GORMLEY & SORCHA COSTELLO:            Bill McEvoy's No 1/Connolly's/Banks of the Shannon. Fiddling Without A Bow 5. LIAM KELLY:  Phyllis's Birthday/Patsy Hanley's/Devils of Dublin.   Sweetwood6. DAN BROUDER & ANGELINA CARBERRY:             McCarthy's/Basket of Oysters/East of Glendart. A Waltz for Joy 7. JOHN WYNNE & JOHN McEvoy:               Patsy Sean Nancy's/Rakes of Drumlish/Fire on Cleanrath.  The Dancer at the Fair 7. THE HYDES:   Rivers Run.  Green & Blue                               8. BRIAN HUGHES: The Plane of the Plank/The Pleasures of Hope.   The Beat of the Breath9. CILLIAN VALLELY & DAVID DOOCEY:  West Clare Railway/The Jug of Punch.             The Yew & the Orchard 10. JOHNNY Og CONNOLLY:   P.J. Conlon's Slip Jigs.  Fear Inis Bearachain   11. TIM DENNEHY:   Carden's Wild Domain.The Blue Green Door 12. MICK MULVEY & SHANE MEEHAN:              Clarke's/The Finnea Lasses/Donegal Lasses/Devanney's Goat.  The Missing Guest13. ELAINE REILLY & DAITHI GORMLEY: Jig of Port Fleadh/Pride of Sliabh Aughty/Tapping Toes.       Fiddling Without A Bow 14. MICK O'BRIEN & TERRY CREHAN:                The Cameronian/Greenfields of Rossbeigh/Connaught Heifers.   May Morning Dew

As fuel prices rise due to the Iran war, so does the cost of everything else. The grocery store is often where families feel the financial pinch first. That's because it costs more to ship food across the country. Food banks are also facing higher costs and increasing demand.

In this week's episode of the Wade Keller Pro Wrestling Post-show from five years ago (7-30-2021), PWTorch assistant editor Zack Heydorn guest hosted for Wade Keller and was joined by ProWrestling.net's Jake Barnett to break down WWE Smackdown with listener calls, emails, and Wade Keller as the on-site correspondent. Discussion points included the impact of John Cena vs. Roman Reigns at Summerslam coming together the way it did within the contract signing, Cena's level of being over, grading the Reigns character and work in front of the live audience, exploring the opportunities for a returning Sasha Banks as a heel, possible outcomes of Bianca Belair vs. Banks 2 at Summerslam, the hot Minnesota audience, and more. Enjoy!Become a supporter of this podcast: https://www.spreaker.com/podcast/wade-keller-pro-wrestling-post-shows--3275545/support.

According to a recent ASIC report, millions of Australians rely on mortgage offset accounts to reduce the cost of their home loan, but an ASIC review has found customers may have been unknowingly paying more interest than they should because some banks failed to properly manage offset accounts. That’s because banks have not been delivering … Continue reading "Robbed Again: Banks Behaving Badly Making Mortgages More Expensive!"

Are major banks failing to link offset accounts, leaving thousands of home loan borrowers out of pocket without even knowing it? Join host Annie Kane, commercial content writer Ben Squires, and senior journalist Charlie Tchetchenian as they review the news of the week. This week, they discuss: Widespread failures uncovered by ASIC across major lenders' mortgage offset accounts. Westpac reversing its cash rate hike forecast following cooler-than-expected CPI data. Pepper Money raising its maximum LVR to 98 per cent alongside AMP's launch of a 40-year investor loan. And much more! News stories mentioned: Banks slammed over offset failures in ASIC probe https://www.theadviser.com.au/compliance/48733-banks-slammed-over-offset-failures-in-asic-probe New lender joins Help to Buy scheme https://www.theadviser.com.au/lender/48720-new-lender-joins-help-to-buy-scheme Productivity Commission calls for overhaul of housing rules https://www.theadviser.com.au/borrower/48730-productivity-commission-calls-for-overhaul-of-housing-rules Westpac scraps double hike call as CPI drops https://www.theadviser.com.au/borrower/48736-westpac-scraps-double-hike-call-as-cpi-drops Lending emerges as leading source of Banking Code breaches https://www.theadviser.com.au/lender/48715-lending-emerges-as-leading-source-of-banking-code-breaches Pepper unveils sweeping expansion of lending parameters https://www.theadviser.com.au/lender/48726-pepper-unveils-sweeping-expansion-of-lending-parameters Bluestone flags major trends reshaping borrowers and credit https://www.theadviser.com.au/lender/48729-bluestone-flags-major-trends-reshaping-borrowers-and-credit 40-year investor loan with 10 years of IO launches https://www.theadviser.com.au/growth/48739-40-year-investor-loan-with-10-years-of-io-launches Qudos Bank brand to be retired in 2027 https://www.theadviser.com.au/lender/48724-qudos-bank-brand-to-be-retired-in-2027

FULL SHOW NO ADS ON PATREON: www.patreon.com/dopeypodcast Episode Summary This week on Dopey's Greatest Hits! What may be the greatest Dopey episode of all time: the unbelievable story of tattoo artist, punk-rock survivor, bank robber and Dopey legend Shane Enholm. Before the replay, Dave announces that DopeyCon is officially happening October 3, celebrates the publication of his kratom piece in Rolling Stone, and reads a listener's story about Bristol's open heroin market. Then Shane's story begins. Raised by an addicted mother, arrested alongside her at 12 and homeless as a teenager, Shane hitchhiked across America before finding punk rock in late-1970s Los Angeles. He crossed paths with Darby Crash and the Germs, became involved with Crash's former girlfriend Casey, developed a devastating heroin addiction and began robbing pharmacies. After entering adult prison at 18, Shane escaped a Synanon-style treatment program and returned to heroin, cocaine and crime. When Shane and Casey lost custody of their children, he robbed his first bank with a toy gun. Over the next six months, he became the FBI's “Ponytail Bandit,” robbing 29 banks—including one $36,000 score—while financing an enormous heroin habit. Shane describes robbing banks with his children in getaway cars, a dye pack exploding inside a taxi, his arrest in San Francisco and the eight years and 23 days he subsequently spent in federal prison. Inside, he developed another heroin habit, dealt drugs, swallowed and concealed balloons of heroin, and survived the violent racial politics of high-security federal institutions. After prison, Shane found his daughters living in horrific conditions, regained custody and slowly attempted to rebuild his life. He survived hepatitis C, cirrhosis and bacterial endocarditis, found stability through methadone, recovery, tattooing and art, and eventually became a respected historian of antique tattoo machines. The episode ends with Shane performing “Making Mud Pies,” the heartbreaking song he wrote in prison about Casey, followed by Trinity's cover of “Good So Bad.” Plus more! more! more! on the new old Dopey show!   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Crypto News: Democrats and the Banks continue to work on Clarity Act compromises. Fed leaves rates unchanged and Bitcoin chops sideways. BNY targets $8.6 trillion transfer agency market on blockchain rails.

TRIGGER WARNING if you're a DOG PERSON- Jessi and Jason have controversial thoughts about dogs. Do you agree?!? Then, Tyra Bangs, I mean, Banks- broke the internet with her new, record breaking bangs. Usher was rejected onstage by a fan and he did NOT take it well- so whose fault was it?Plus- hot takes are dead (or ARE they?) but Oprah is very much alive- and she thinks LIFE BEGINS AT 44! Jason and Jessi give their elder millenial take in this hot summer episode! Ask Jessi Anything, HERE: 323-448-0068 Hosted on Acast. See acast.com/privacy for more information.

The CLARITY Act continues to gain support from several stakeholders, with the latest being the Major Cities Chiefs Association (MCCA), a major law enforcement group. Despite this, the odds of passing remain at 30%, with Democrats and TradFi still pushing for amendments in DeFi provisions. ~This episode is sponsored by Tangem~ Tangem ➜ https://bit.ly/TangemPBN Use Code: "PBN" for Additional Discounts! GUEST: Brian Nistler - Head of Policy & Associate General Counsel, Protocol Growth at Uniswap Foundation Follow Briand on Twitter➜ https://x.com/N0th1n3 00:00 intro 00:10 Sponsor: Tangem 00:30 Countdown 01:00 Lummis: Banks are about to break Republicans too 03:10 Odds collapse 04:15 Why did Cortez put out a press statement? 05:50 Who told her to put out a premature statement? 07:00 Negotiations ruptured? 09:00 Press statement timing is suspicious 10:00 Constitution takes priority 11:30 Russia vs Telegram: Are we becoming Russia without BRCA? 12:40 Privacy under threat? 14:15 More important to Banks? yield ban or DeFi ban? 15:40 Bloomberg backs DTCC over DeFi 18:00 Uniswap Permission pools 20:50 Innovation offshore 21:45 $UNI Burn Will Continue Even Without CLARITY #Crypto #Ethereum #Uniswap ~Dirty Trick to KILL DeFi

The banking industry reportedly remains divided over the latest yield-related compromise, with the Digital Asset Market Clarity Act (CLARITY Act) still on hold.  ~This episode is sponsored by Uphold~ Uphold Debit Card ➜ https://bit.ly/UpholdXRPCard TELL YOUR SENATOR TO PASS CLARITY!➜https://bit.ly/SenatorCLARITY Guest: Ron Hammond - Head of Policy and Advocacy at Wintermute Wintermute website ➜ https://bit.ly/WintermuteCrypto Follow Ron on Twitter ➜ https://x.com/RonwHammond 00:00 intro 00:10 Sponsor: Uphold 01:00 7 days 01:15 Cynthia Lummis frustrated speech in Senate 04:00 Lummis threat? 05:15 Could this backfire? 06:30 Another law enforcement group backs clarity 07:00 Russia Sanctions 07:20 Monday vote chances? 08:40 Are nominations done soon too? 10:30 Coinbase thinks Monday? 11:00 10 Democrats? 12:00 Republican turncoats? 14:10 Tomorrow ethics deal? 15:15 Bankers plea to CNBC for CLARITY change 18:00 Banking vs retail influence 20:00 Stand with Crypto 20:40 Recess could get cancelled? 22:20 Ron odds 23:00 Jay Clayton filed the Ripple lawsuit: wtf? 24:15 Crypto PACs: Why do they care about Michigan and Iowa? 25:15 If Thune doesn't put CLARITY up for vote... 26:20 John Oliver hurting bill sentiment? #Crypto #ethereum #XRP ~CLARITY Vote Next!

Rebecca breaks down the 600-page CLARITY Act, from its unprecedented ethics language to the extensive new rulemaking powers it hands regulators, and explains why full implementation could take years even after passage. She also unpacks hidden riders in the bill and a lesser-known fight brewing between prediction markets and the gaming industry.Rebecca Rettig is the COO at Jito Labs, a Protocol Labs company, and a veteran digital assets policy voice who previously worked on DeFi regulatory issues during the early days of centralized exchange dominance in Washington.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro04:36 Clarity's Unprecedented Ethics Language09:05 New Powers For Regulators11:32 Regulators Struggle With Rulemaking14:53 Treasury Defines DeFi Control21:28 Hidden Riders In The Bill25:30 Prediction Markets Vs Gaming IndustryGuest Socials:Rebecca Rettig X: https://x.com/RebeccaRettig1Jito Labs X: https://x.com/jito_labsJito Labs Website: https://www.jito.network/Partners: Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---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 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/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---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/---

On this week's show special guest co-host Pete Ranks, the former director of the CIA's Centre for Cyber Intelligence, joins Patrick Gray and James Wilson to discuss the week's cybersecurity news. They cover: Everyone signs the open weights open letter, except Anthropic… of course. OpenAI had no idea it had hacked Hugging Face Kimi K3 open weights released and they're massive! Why a more aggressive response is needed to cyber attacks on OT And much, much more! This week's show is brought to you by SpecterOps. In this week's sponsor interview Justin Kohler and Jared Atkinson talk about how SpecterOps' Bloodhound now supports AWS attack paths. Run it against your AWS infra, but only if you have a strong stomach. The results will terrify you. This episode is also available on YouTube. Show notes Open Weights and American AI Leadership | Social Signals Our position on open-weights models | Social Signals Halvar Flake (@halvarflake) on X | X (formerly Twitter) White House accuses Chinese company of distilling Anthropic's Fable | cyberscoop.com Jensen Huang (@JensenHuang) on X | X (formerly Twitter) Its AI Agent Spent Days Hacking a Company, but Sources Say OpenAI Did Not Notice for a Week | reuters.com How OpenAI's human mistake led to the AI-powered hack on Hugging Face | TechCrunch Security Hugging Face CEO calls for ‘radical transparency' after ‘unprecedented' OpenAI hack | TechCrunch Security Sens. Banks and Schiff Introduce Bill to Help American AI Companies Combat Chinese Espionage | AI Kill Switch Act would let Trump admin order shutdown of rogue AI systems | Ars Technica Marco Rubio tells diplomats to play down talk of American tech "kill switch" | reuters.com Federal agencies broaden alert on Iran-linked OT attacks | therecord.media Coordinated cyberattack disrupts water utilities in 30+ Minnesota communities | CyberScoop NSA and Partners Alert Zimbra Collaboration Suite Users of a Russian State-Supported Phishing Campaign | nsa.gov Hackers hijack hotel Wi-Fi DNS to steal Microsoft 365 accounts | BleepingComputer Microsoft responds to LG monitors installing McAfee ads on Windows | Ars Technica LG to Ban Residential Proxies from Smart TV Apps | krebsonsecurity.com Despite multiple takedowns, botnets continue to grow | cyberscoop.com Extension of CISA 2015 info-sharing protections passes as part of House's defense bill | therecord.media Upbound says hack caused $13 million in fraudulent Acima leases | BleepingComputer Fake Claude app promoted by Bing ads pushes SectopRAT malware | BleepingComputer Apple sued over fake App Store crypto wallet app stealing $1.8M in Bitcoin | BleepingComputer Clop ransomware targets Windchill, FlexPLM in data theft attacks | BleepingComputer 'Wrench' attacks against crypto holders appear to be on the rise | therecord.media OpenAI's Rogue AI Agent Hacked More Than Just Hugging Face | wired.com

Sen. Banks calls-in to talk about Fauci's 'testimony,' updates on efforts to push the SAVE America Act and more. See omnystudio.com/listener for privacy information.

Sergej Kunz breaks down 1inch's new Aqua protocol, built on research showing liquidity providers left over $150 million in fees on the table, and explains how it lets users earn yield without giving up custody, governance rights, or capital efficiency. He also traces 1inch's evolution from intent-based swaps and Fusion.Sergej Kunz is the Co-Founder of 1inch, a leading DeFi aggregator and liquidity infrastructure protocol he built starting from an Ethereum hackathon in 2019.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro01:13 The $150 Million Fee Leak02:34 1inch's Origin And Pathfinder04:11 Fusion And The Sandwich Attack Fix04:49 Fixing The Broken Bridge Space09:17 Compliance Without Mixing Liquidity11:40 Aqua's Incentive Program13:09 Liquidity That Never Leaves Your Wallet15:01 The Math Behind Optimal Fees18:22 Looping For 40x Efficiency23:09 One Wallet, Eight Venues25:53 85% Of Liquidity Sits Idle28:12 4x LP Fee Efficiency29:34 Aqua Incentives & Game TheoryGuest Socials:Sergej Kunz X: https://x.com/deacix1inch X: https://x.com/1inch1inch Website: https://1inch.com/Partners: Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---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 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/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---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/---

Mortgage rates look set to continue creeping higher. The cost of two-year wholesale borrowing for banks has jumped from 3.35% to around 3.70% in just four weeks. The increase reflects markets pricing in higher inflation, rising global borrowing costs, and expectations the OCR could stay higher for longer. Independent Property Commentator Tony Alexander told Mike Hosking it's primarily a result of domestic factors – with the extra pressure from rates moving up in Australia and the United States. He says New Zealand is currently in a mild recovery mode and inflation is unusually high for this point in the cycle, so our monetary policy will be tightened further. LISTEN ABOVE See omnystudio.com/listener for privacy information.

U.S. gas prices have crossed the $4-per-gallon mark again as the ongoing conflict between the U.S. and Iran continues to rattle energy markets. With the Strait of Hormuz under threat and tanker traffic dropping, investors need to understand how this ripple effect reaches their wallets.Today's Stocks & Topics: T. Rowe Price Capital Appreciation Equity ETF (TCAF), Market Wrap, Agnico Eagle Mines Limited (AEM), B2Gold Corp. (BTG), The Industrial Boom, Southern Copper Corporation (SCCO), Gas Prices Going Up in 2026: What the $4 Pump Means for Your Portfolio, American Express Company (AXP), Invesco S&P 500 Equal Weight ETF (RSP), Vanguard S&P 500 ETF (VOO), Liberty Energy Inc. (LBRT), Quant Investing, Banks.Our Sponsors:* Check out Chilipad and use my code INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

This week on The Literary Life Podcast, our hosts Angelina Stanford and Thomas Banks return from their summer break with a fun "Ask Us (Almost) Anything" episode. The questions they answer include the following: How does Mr. Banks choose the poem for the end of each episode? How do they go about finding sources of good secondary research or literary criticism? How did Angelina first learn about alchemy in the literary tradition? Is Mr. Banks any relation to the sculptor Thomas Banks? Can you give a brief definition of each of the building blocks of stories? What exactly is the "objective correlative"? Is re-reading important in the literary life and, if so, what makes it profitable? How do you keep up with the many images when reading? How should an author approach trying to write in the literary tradition? How do you deal with reading slumps? What is your favorite book? How do you defend an education in the humanities in an age obsessed with STEM? How many books do you own? Does Angelina actually hate John Bunyan's Pilgrim's Progress? And more…. Don't forget to check out everything going on over at HouseofHumaneLetters.com to stay up to date on all the upcoming new summer classes and webinars. View the full show notes for this episode, including quotes, book links, and this week's poem at https://theliterary.life/339. 

Brick Lombardi pulls a late-night chair up to the board and lets four songs do the talking. No filler, no rush — just the kind of set where the music reaches back and right now at the same time, and everything lands different depending on where you've been. - **Sun Still Shines** — A soul-soaked meditation on the 16-13 Monday night loss to the Panthers. The song isn't about the field goal; it's about the Packer fan who sat with that loss long enough to find some perspective, and came back around. That's the harder thing. - **Is This Love** — Built as a love song, aimed at a quarterback. Jordan Love, Year 4 starter, seven years in the league, and Green Bay has spent every one of them asking the same question. The song asks it too — except every time it says the word, it's saying both things at once. - **C.C.** — An unapologetic hype track for rookie corner Brandon C.C., 52nd overall, second round, South Carolina by way of NC State. Kid out of Sumter. 41-inch vertical. 20 years old. The board said 33 — Gutekunst got him at 52. That's not a reach, that's robbery. - **Before the Pads Go On** — A quiet one. A fan in the parking lot at six in the morning, reading the injury list out loud like a box score: Banks, Hargrave, Haddon, Brooks. Then his kid holds out a bike, a player nobody drove up to see takes it, says thanks — and the man quits counting. Catch Brick Lombardi on Tundra FM every night on the Packernet Podcast Network. Subscribe, leave a rating, and keep the garage door up. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/

Max Bareiss, Head of Lending at Galaxy, sat down with me at the Injective Policy Summit to discuss the rapid growth of institutional crypto lending, Galaxy's digital asset services, and his outlook on the crypto market.⭐️⛏️ GoMining is an All-in-one Bitcoin superapp to mine, earn and use BTC. They have 5 Million+ users and have been live since 2021. - https://siagomininglatvia.sjv.io/aNLaRq 

Crypto News: A new CLARITY Act draft has been released, merging the Senate Banking and Agriculture Committee versions and adding an ethics provision for the first time. A motion to proceed is expected Monday or Tuesday, with a possible floor vote the week of August 3. Trump calls on Senator Thune to cancel the August recess.

Brick Lombardi pulls a late-night chair up to the board and lets four songs do the talking. No filler, no rush — just the kind of set where the music reaches back and right now at the same time, and everything lands different depending on where you've been. - **Sun Still Shines** — A soul-soaked meditation on the 16-13 Monday night loss to the Panthers. The song isn't about the field goal; it's about the Packer fan who sat with that loss long enough to find some perspective, and came back around. That's the harder thing. - **Is This Love** — Built as a love song, aimed at a quarterback. Jordan Love, Year 4 starter, seven years in the league, and Green Bay has spent every one of them asking the same question. The song asks it too — except every time it says the word, it's saying both things at once. - **C.C.** — An unapologetic hype track for rookie corner Brandon C.C., 52nd overall, second round, South Carolina by way of NC State. Kid out of Sumter. 41-inch vertical. 20 years old. The board said 33 — Gutekunst got him at 52. That's not a reach, that's robbery. - **Before the Pads Go On** — A quiet one. A fan in the parking lot at six in the morning, reading the injury list out loud like a box score: Banks, Hargrave, Haddon, Brooks. Then his kid holds out a bike, a player nobody drove up to see takes it, says thanks — and the man quits counting. Catch Brick Lombardi on Tundra FM every night on the Packernet Podcast Network. Subscribe, leave a rating, and keep the garage door up. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/

Banks and credit unions have never known more about their customers. So why does so much of banking still feel impersonal? In this episode, David Acevedo, Vice President at Abrigo, joins Jim Marous to examine the gap between what an institution knows about a customer and what it actually does about it. They get into why more customer data has not led to better personal service, what separates the banks and credit unions that build lasting relationships from those that do not, and how to move from customer data to customer action at the front line. The conversation also covers the real advantage community banks and credit unions hold over the largest institutions, where AI strengthens the human relationship instead of replacing it, the most common and most expensive mistakes banks make when they try to get closer to their customers, and the one move David would tell any executive to make first. Hosted by Jim Marous, co-publisher of The Financial Brand and owner of the Digital Banking Report. New episodes of Banking Transformed are published multiple times each week. Subscribe so you never miss one.

Hopes have been dashed that the Clarity Act pertaining to cryptocurrencies will be passed into law before the U.S. Congress takes its summer break in August. Rumors spread that the U.S. Senate has effectively shelved the Clarity Act as it rushes to pass different legislation ahead of the summer recess.  TELL YOU SENATOR TO PASS CLARITY!➜https://bit.ly/SenatorCLARITY ~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/iTrustPaul 00:00 intro 00:10 Sponsor: iTrust Capital 01:45 Countdown 01:00 Senate Scrambles Recap 03:15 CLARITY for America 04:10 Russia Sanctions and Nominations are overblown? 04:45 Are the banks manipulating sentiment? 05:15 Thune caving on banks? 05:40 Gallegos: ethics deal by end of week? 06:00 Elizabeth Warren retweets clownh Ethics Hearing 07:20 Jeff Merkley doesn't matter 08:30 NY AG 09:00 Securities on securities? 09:15 Supporting deregulation 09:30 Banks Try To Ban Ripple 10:30 Ripple Mint 11:00 Goldman breaks away from banks 11:30 Blackrock 12:00 Every Senator Owns Blackrock & Goldman Stocks 12:45 Lummis finally calls out banks 13:30 Russia getting CLARITY? No 14:00 Gary will return in Avengers: Doomsday #Crypto #XRP #Ethereum ~Banks Secretly Undermining CLARITY!... and It's Working!~ ⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺ Join our community! The Barron Market Edge (FREE)➜ https://www.paulbarronnetwork.com/barron-market-edge-signup Private Telegram Group (FREE) ➜ PBN Diamond Circle https://t.me/+nISqoMxrok40NTcx Subscribe on YouTube ✅ https://bit.ly/PBNYoutubeSubscribe Twitter

Digital banks have spent years chasing customer growth. But scale alone does not create profitability.In this episode of Couchonomics with Arjun, Simon Loong, Founder and Group CEO of WeLab, explains what it takes to build a successful digital bank across Asia.He shares why lending remains central to profitability, why standalone fintechs face a harder path, and how banking licences, AI, stablecoins and regional expansion are shaping the next phase of digital banking.

USDA is making $3 million available to help develop wetland mitigation banks that give farmers and ranchers another option for meeting federal wetland conservation requirements. NAFB News ServiceSee omnystudio.com/listener for privacy information.

Vita Vea would immediately strengthen the Giants' defensive front, but acquiring him could cost Kayvon Thibodeaux, draft capital and another major contract. Drew and Rob debate whether the upgrade in the middle would justify sacrificing a younger pass rusher entering a critical season.Follow on Spotify and leave a 5-star rating on Apple Podcasts if you enjoy no-BS Giants debate.Should the Giants trade Kayvon Thibodeaux for Vita Vea? Vea would fill a larger immediate need, but the Giants would be surrendering youth, contract control and potentially an additional draft pick for a 31-year-old seeking a new deal.The trade request leads to a detailed discussion about whether Joe Schoen should call Tampa Bay and what a realistic offer could look like. Because the Buccaneers need pass-rush help, Drew and Rob examine a hypothetical package built around Thibodeaux and a Day 3 pick. A fourth-round selection is viewed as a reasonable ceiling, while adding a second-round pick would make the price excessive.Would Vea become the best defensive tackle on the Giants immediately, or would New York be repeating the type of expensive commitment it avoided by trading Dexter Lawrence?Vea remains a major interior presence, but age and money complicate the decision. The Giants would need to determine whether he fits their competitive timeline, whether they could extend him at a manageable number and whether Vea would even want to join New York after watching the Lawrence situation unfold. John Harbaugh's arrival and the organization's new direction could help the pitch, but this remains a hypothetical debate—not a report that the Giants and Buccaneers have discussed a trade.The Giants also announced a major expansion of their East Rutherford headquarters and training facility. The project includes approximately 93,500 square feet of new construction and 46,000 square feet of renovations, with completion expected before the 2028 season.Drew and Rob react to the planned locker room, weight room, nutrition, recovery and rehabilitation upgrades while questioning how much the project reflects Harbaugh's influence. The investment suggests ownership is preparing for a long-term change in how the football operation trains, communicates and supports its players.Is this simply an overdue modernization, or evidence that the Giants are finally providing their football staff with the infrastructure expected from a serious NFL organization?The largest portion of the episode examines the 18 players brought in for workouts. The group included quarterback Jake Haener; running back Kylin James; wide receivers Malik Heath and Eric McAlister; tight ends Zach Davidson, Tyler Moore and Scotty Washington; offensive tackles Jake Curhan, Luke Felix-Fualalo and Derek Simmons; defensive tackles Marlon Davidson, Daniel Ekuale and Foley Fatukasi; linebackers Kenneth Murray and Chandler Martin; and defensive backs Tony Grimes, Ahmaad Moses and Sam Webb.Rather than treating every workout as a major move, Drew and Rob separate the legitimate depth candidates from the developmental long shots. Curhan offers more than 50 games of NFL experience and tackle-guard versatility. Murray brings extensive starting experience at linebacker. Fatukasi has a proven history as an early-down run defender, while Haener gives the team another developmental quarterback option.McAlister's final season at TCU, Moses' ball production at SMU and Grimes' former five-star pedigree provide upside, but each player would need to prove value on special teams or at the bottom of the depth chart. The size of the workout group also raises a broader question: Is the new Giants staff dissatisfied with the roster, or simply creating constant competition before training camp?Two players earned contracts after the workout. Former second-round pick Marlon Davidson brings defensive-line versatility and previous experience with Dennard Wilson in Tennessee. His production has never matched his draft position, but familiarity with the scheme gives him a realistic chance to compete for rotational snaps.Tyler Moore enters as a blocking-oriented tight end and H-back after limited receiving production at Iowa State. His path to the roster depends almost entirely on blocking, special teams and assignment reliability. Drew and Rob question whether Moore offers enough upside to beat out the other depth tight ends or whether he is more likely headed for the practice squad.The episode closes with Wilson's encouraging comments about Deonte Banks. Wilson said Banks had a “helluva offseason,” has been running toward coaching instead of away from it and appears to be in a better headspace.Can better coaching finally unlock Banks, or have Giants fans heard too many offseason turnaround stories?The hosts remain cautious about expecting a former first-round star to suddenly emerge. A more realistic success would be Banks becoming a dependable defensive back, depth option and possible return contributor. Training camp will determine whether the offseason praise represents genuine progress or another temporary burst of optimism.Merch: https://2giantgoofballs-shop.fourthwall.com/ Support: https://buymeacoffee.com/2giantgoofballs All episodes: https://2giantgoofballs.buzzsprout.com/The package follows the Buzzsprout requirement to lead with the gain-versus-sacrifice tradeoff, include the searchable Big Question and omit chapters unless specifically requested. The facility, workout, signing and Banks details are grounded in the supplied episode material.Send us Fan MailSupport the show

Siyabonga Motha speaks to Dr Motlatsi Molefe, The CEO of Legal Practitioners Fidelity Fund who takes us through the work of the Legal Practitioners' Fidelity Fund, they also discuss the criteria for making a claim. Tags: 702, The Aubrey Masango Show, Siyabonga Motha, Legal Matters, Legal Practitioners Fidelity Fund, Law, Property Funds, Banks, Claims, Trust The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet 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 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Sulabh Agarwal, Managing Director and Global Head of Payments at Accenture, helps financial institutions and organisations worldwide navigate the rapidly evolving payments landscape. He works with clients to drive innovation, modernise payment systems, and manage operational risk across the payments value chain. Leading teams across Europe, North America, and Growth Markets, Sulabh oversees a global practice of approximately 5,000 professionals.On The Menu:Why reinventing yourself every two years keeps you sharpDigital euro vs digital dollar: Europe's CBDC edgeReal-time payments and the shrinking fraud detection windowWhat India's UPI got right that others haven'tSeparating genuine fintech innovation from industry noiseWhy loyalty and rewards are becoming payment differentiatorsHow AI agents will soon pick your payment method

North Korea arrests hackers accused of stealing from state banks. North Korean authorities arrested a group of former military hackers accused of stealing funds from two state banks and laundering the money through crypto, according to a Daily NK report. The regime's hackers stole a record $2 billion in crypto last year. CoinDesk's Uyen Truong hosts "CoinDesk Daily." - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ realfi.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. - Ledn provides a secure and transparent way to access liquidity while maintaining your bitcoin holdings. Perfect 8 year track record of keeping clients assets safe. Don't sell your bitcoin. Get a bitcoin-backed loan. Check out your rate by using their loan calculator at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ledn.io⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - JPEG Trading is a global proprietary trading firm specializing in cryptocurrency and decentralized finance markets. From market structure and liquidity provision to quantitative trading strategies, JPEG Trading operates across the full spectrum of blockchain-based assets. Follow @jpegtrading on X to stay ahead of the latest developments in digital asset markets:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://x.com/jpegtrading⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - This episode was hosted by Uyen Truong. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

In this episode I discuss the book Understanding Social Images: Essays on Visual Methods and Teaching Anthropology (Berghahn, 2025) with co-editors David Zeitlyn and Chihab El Khachab, a posthumous collection of writings by the late anthropologist Marcus Banks. Banks was a key the figures in development of visual anthropology, but his work remains of continuing relevance. This volume brings together several of his essays on film, photography, archive work, as well as reflections of visual methods such as photo-elicitation and ways of teaching visual anthroplogy. The conversation begins with Marcus Banks himself, his place within anthropology, his influence on visual anthropology, and the broader effort to preserve and extend his work through a set of posthumous collections. From there, the discussion turns to one of the central themes that emerge from across several essays, namely, that images are not simply illustrations or transparent representations, but socially and temporally situated objects with disctinct social lives. From there, we discuss Banks's interest in the materiality of the visual and how the circulation and afterlives of images gather new meaning over time. A substantial part of the interview focuses on Banks's film Raju and His Friends (1988), which proved foundational to his later reflections on ethnographic filmmaking, and especially on the ethics and politics of representation. As well as providing an introduction to Marcus Banks's work and serving as a tribute to a scholar whose influence continues to shape the field, many of the topics covered in the interview touches on many broader questions in anthropology itself, and as such will be of interest not only to students of visual anthropology, but to anthropology students and anthropologists more generally. David Zeitlyn is Professor of Social Anthropology at the University of Oxford and a Fellow of Wolfson College. His work spans visual anthropology, photography and archives, religion and divination, and long-term fieldwork in Cameroon. He also collaborated with Marcus Banks on the second edition of Visual Methods in Social Research. Chihab El Khachab is Associate Professor in Visual Anthropology at the University of Oxford and a Fellow of Wolfson College. He is a social anthropologist specializing in visual and media anthropology, especially Egyptian media production, and is the author of Making Film in Egypt: How Labor, Technology, and Mediation Shape the Industry. Further reading and resources mentioned in the recording Jainism as Social and Visual Practice: Anthropological PerspectivesMarcus Banks. Edited by John E. Cort, David Zeitlyn and Chihab El Khachab. New Delhi: Primus Books, 2026. This posthumous volume gathers Banks's writings on Jain social organization and visual representation. The revived HADDON catalogue of ethnographic filmsOriginally created by Marcus Banks in the 1990s, HADDON is an online catalogue of archival ethnographic film. The revived site presents a restored version of the database, now hosted through Paul Henley's Silent Time Machine project. Raju and His Friends (1988)The film discussed at length in this episode, and a key reference point for Banks's later reflections on visual anthropology and ethnographic filmmaking. Marcus Banks was Professor of Visual Anthropology at the Institute of Social and Cultural Anthropology (ISCA), University of Oxford until he passed away in 2020. He was a pioneer in integrating visual approaches into the mainstream of social and cultural anthropology. With Howard Morphy, he edited the influential volume Rethinking Visual Anthropology (Yale University Press, 1999). 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

President Donald Trump ramped up pressure Monday on Majority Leader John Thune, telling him to keep the Senate in session until GOP bills pass. TELL YOU SENATOR TO PASS CLARITY!➜https://bit.ly/SenatorCLARITY ~This episode is sponsored by Uphold~ Uphold Debit Card ➜ https://bit.ly/UpholdXRPCard GUEST: GUEST: Summer Mersinger, CEO, Blockchain Association Blockchain Association Website ➜ https://theblockchainassociation.org/ 00:00 intro 00:10 Sponsor: Uphold 00:40 Mike Novagratz: It's Passing? 01:40 CLARITY passage update 02:20 Do we have the 60 votes? 03:15 Countdown 04:00 Trump says no one leaves Senate? 05:50 CLARITY next steps? 06:50 Motion to proceed? 07:50 Does Polymarket have it wrong? 09:20 Banks last minute effort? 11:00 Did Banks give up? 12:10 JP Morgan: Loudest opposition is the community banks 13:00 Small banks vs Large banks 14:30 Anthony Scaramucci: Dems will vote against CLARITY to spite Trump 17:30 If CLARITY doesn't pass, how many more will shut down? 19:50 Call Senators Now #Crypto #CLARITY #Ethereum ~"No One Leaves" Senate Until CLARITY Passes?

Guordan Banks visits the Mina's House Podcast to talk to Mina SayWhat about his album "The Healing Phase." They talk about healing and what that means. They also discuss his 10 year journey since releasing his debut album and "Keep You In Mind," a #1 song for him.

In this episode I discuss the book Understanding Social Images: Essays on Visual Methods and Teaching Anthropology (Berghahn, 2025) with co-editors David Zeitlyn and Chihab El Khachab, a posthumous collection of writings by the late anthropologist Marcus Banks. Banks was a key the figures in development of visual anthropology, but his work remains of continuing relevance. This volume brings together several of his essays on film, photography, archive work, as well as reflections of visual methods such as photo-elicitation and ways of teaching visual anthroplogy. The conversation begins with Marcus Banks himself, his place within anthropology, his influence on visual anthropology, and the broader effort to preserve and extend his work through a set of posthumous collections. From there, the discussion turns to one of the central themes that emerge from across several essays, namely, that images are not simply illustrations or transparent representations, but socially and temporally situated objects with disctinct social lives. From there, we discuss Banks's interest in the materiality of the visual and how the circulation and afterlives of images gather new meaning over time. A substantial part of the interview focuses on Banks's film Raju and His Friends (1988), which proved foundational to his later reflections on ethnographic filmmaking, and especially on the ethics and politics of representation. As well as providing an introduction to Marcus Banks's work and serving as a tribute to a scholar whose influence continues to shape the field, many of the topics covered in the interview touches on many broader questions in anthropology itself, and as such will be of interest not only to students of visual anthropology, but to anthropology students and anthropologists more generally. David Zeitlyn is Professor of Social Anthropology at the University of Oxford and a Fellow of Wolfson College. His work spans visual anthropology, photography and archives, religion and divination, and long-term fieldwork in Cameroon. He also collaborated with Marcus Banks on the second edition of Visual Methods in Social Research. Chihab El Khachab is Associate Professor in Visual Anthropology at the University of Oxford and a Fellow of Wolfson College. He is a social anthropologist specializing in visual and media anthropology, especially Egyptian media production, and is the author of Making Film in Egypt: How Labor, Technology, and Mediation Shape the Industry. Further reading and resources mentioned in the recording Jainism as Social and Visual Practice: Anthropological PerspectivesMarcus Banks. Edited by John E. Cort, David Zeitlyn and Chihab El Khachab. New Delhi: Primus Books, 2026. This posthumous volume gathers Banks's writings on Jain social organization and visual representation. The revived HADDON catalogue of ethnographic filmsOriginally created by Marcus Banks in the 1990s, HADDON is an online catalogue of archival ethnographic film. The revived site presents a restored version of the database, now hosted through Paul Henley's Silent Time Machine project. Raju and His Friends (1988)The film discussed at length in this episode, and a key reference point for Banks's later reflections on visual anthropology and ethnographic filmmaking. Marcus Banks was Professor of Visual Anthropology at the Institute of Social and Cultural Anthropology (ISCA), University of Oxford until he passed away in 2020. He was a pioneer in integrating visual approaches into the mainstream of social and cultural anthropology. With Howard Morphy, he edited the influential volume Rethinking Visual Anthropology (Yale University Press, 1999). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/film

Most people believe another Asian financial crisis can't happen. Not like 1997. Asian governments now have enormous foreign-exchange reserves. Their currencies are generally more flexible. Banks are better regulated. Officials supposedly understand contagion, currency mismatches, and the importance of acting quickly.In short, Asia learned its lesson. But what if that is the wrong lesson?Eurodollar University's Money & Macro Analysis----------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider----------------------------------------------------------------------------------If you want to see The Four Economic Regimes, and How to Position Your Portfolio for Each One, sign up here https://eurodollar-university.com/home-page----------------------------------------------------------------------------------https://www.youtube.com/watch?v=cPJkRKFDoGghttps://www.youtube.com/watch?v=T3GD0_PyHcYhttps://www.youtube.com/watch?v=sYNBKZOkfPMhttps://www.youtube.com/watch?v=mHf01Jjwrechttps://www.youtube.com/watch?v=7MBctTpJCgwhttps://www.youtube.com/watch?v=f7DZVHAOBVkhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUI'll also be active on Bravais Social - a new AI-centered social network designed for professionals and knowledge workers. The platform aims to bring together a wider range of tools and functionalities tailored specifically for professional interaction, research, and knowledge exchange in one place. You can find me here: https://bravais.social/profile/edu

Our first ever PART 6! Today we're wrapping up Cutthroat (the original) just in time to get ready for Cutthroat (the sequel) -- talking through the reunion, Shit They Should Have Shown, and all of our segments! Who makes the final Mount Rushmore of Era 2?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALL our episodes available AD-FREE on Patreon! Plus WEEKLY bonus episodes, our group chat and community, suggest us shows to watch, and more!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast on BlueSky!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Matt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Scally⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on BlueSky!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast on Twitter!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Matt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Scally⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on Twitter!The Challenge: Cutthroat cast:RED TEAMCamila NakagawaDunbar MerrillTori HallBrad FiorenzaPaula MeronekTyler DuckworthMelinda StolpChet CannonMandi MoyerBrandon NelsonGREY TEAMShauvon TorresVinny FotiLaurel StuckyAbram BoiseSarah RiceDan WalshAyiia ElizarrarasLuke WolfeCara Maria SorbelloJD OrdonezBLUE TEAMEmilee FitzpatrickJohnny BananasJenn GrijalvaDerrick KosinskiEmily SchrommTy RuffTheresa GonzalezDerek ChavezKatie DoyleEric "Big Easy" Banks

Tim Rutten, CMO of Backbase, the €2.5 billion Amsterdam tech company whose AI-native Banking OS powers 120+ banks worldwide, joins Sam Jacobs, AJ Bruno, and Asad Zaman with the clearest AI ROI numbers we have heard on the show: double the pipeline on 25% less budget. Topics include the custom go-to-market operating system his team built on the Vercel stack, why real bank deployments are 99% deterministic, the 90% cost reduction banks are finding in customer care, and why most enterprise workloads do not need frontier-model intelligence. Plus, where the AI bubble breaks, what happens to judgment and taste when anyone can generate output, and a bulls-versus-bears round on LinkedIn, banking apps, and sales spiffs. Key Takeaways: - Backbase's marketing org runs on GTMOS, a custom go-to-market operating system built on the Vercel stack and wired into Salesforce and the company's finance tools, and the numbers behind it are specific. As Tim Rutten, CMO at Backbase, put it: "Double the pipeline, 25% head cut on my budget... So with 25% less budget, I'm actually still doubling the pipeline." The unlock came from rebuilding how the team works rather than layering tools on top of it. - Shipping AI into a regulated industry means using AI more narrowly than you might expect. On what real bank deployments look like, Tim Rutten said: "the actual implementations are almost 99% deterministic, and there's this one little percent that actually gets them to gain, to reason at the right moment in time." That same architecture caps the bill, because most banking workloads are repetitive and rule-bound. But the same rigor can net fantastic results from AI in broader applications as well. - Backbase treats AI slop as an architecture problem, containing content generation inside hard boundaries. Per Tim Rutten: "You have tone of voice, you have guardrails that we don't have AI slop. There's like 22 rules that are applied. If they don't check out, the agent needs to rewrite and continuously learns to rewrite." The human half of the risk is harder to engineer around, as Asad Zaman, CEO of Sales Talent Agency, framed it: "a lot of people that didn't have a skill are using AI for that thing. And if you didn't have a skill in an area or judgment or taste in that particular area, you have no mechanism to stress test the quality of what is coming out." - On how the AI bubble pops, Sam Jacobs, CEO of Pavilion, put the risk on the business model sitting underneath the capex: "if everybody presumes the way that all these companies make money is selling tokens… and then all of a sudden it turns out selling tokens is a really terrible business. Well, then that's a thing that would compress." Tim Rutten lands in a similar place on timing while staying long on the outcome: "a little bit bearish on timing, massively bullish on the future… it will happen nevertheless, but it's going to be a very rocky ride." Connect with the Hosts & Guests: Host: Sam Jacobs, CEO at Pavilion - https://www.linkedin.com/in/samfjacobs/ Host: AJ Bruno, CEO at QuotaPath - https://www.linkedin.com/in/ajbruno3/ Host: Asad Zaman, CEO at STA - https://www.linkedin.com/in/azaman1/ Guest: Tim Rutten, CMO at Backbase - https://www.linkedin.com/in/timrutten/ Topline is more than a YouTube Channel: Subscribe to Topline Newsletter: https://toplinemedia.substack.com/ Tune into Topline Podcast, the #1 podcast for founders, operators, and investors in B2B tech: https://www.joinpavilion.com/topline-podcast Join the free Topline Slack channel to connect with 600+ revenue leaders to keep the conversation going beyond the podcast: https://www.joinpavilion.com/topline-slack Chapters: 00:00 Introducing Tim Rutten 03:11 Inside Backbase And 120 Banks 09:42 90% Cost Cuts In Call Centers 12:04 Why The Application Layer Wins 15:23 Europe, The US, And Regulation 21:50 Where The AI Bubble Breaks 27:24 Why Banks Skip Frontier Models 34:34 Bank Budgets Shift To AI Native 38:23 Real ROI At Lloyds And JPMorgan 44:31 Quiz Pro Quo 49:37 GTMOS, The Go To Market OS 52:02 Double Pipeline On 25% Less Budget 53:53 Judgment, Taste, And AI Slop 1:06:15 Real Time Marketing By Christmas 1:09:30 Bulls and Bears

6/26 6/26Join us for service live every Sunday at 10am at 5600 Route 34 | Oswego, IL 60543. You can expect passionate worship and a deep love for God's Word.  Connect with us at our website www.hopeucchicago.com