Podcasts about Capital One

Imagine surviving your first marathon, only to nearly die from drinking water. In this episode, a Barcelona-based listener shares his terrifying battle with water intoxication—and the powerful life lessons he took from the finish line. Plus, Trevor breaks down his ultimate, off-the-beaten-path “Beer Hall Crawl” through Bavaria. Tune in to discover the hidden local spots most American tourists completely miss! Links Mentioned in This Episode Speak with a MTA Running Coaching about your goals! We are here to help you get to the next level. Run the Athens Marathon with Angie, Trevor, and Dean Karnazes! See this page for details. Altra Running -Altra shoes are designed with the Altra Fit, with room for your toes for comfort, balance, and strength. Use code MTA10 for 10% off. And Stay Out There with Altra. The Richmond Marathon in Richmond, Virginia. Sign up for the Capital One 8k! AG1 Next Gen has new flavors: Citrus, Tropical, and Berry. Get a free Welcome Kit with your first order which includes AG1 Travel Packs, a shaker bottle, metal canister, and a bottle of AG Vitamin D3+K2. Yohay Elam Linkedin profile.

Michael Koppy is a 75-year-old ultrarunner and retired engineering professor from northern Minnesota who is still breaking records in endurance sports. Over the past decade, he's completed two fastest known times (FKTs) and continues to compete in some of the country's most demanding ultramarathons. In 2026, he became the oldest person to finish the Arrowhead 135, one of the toughest winter ultramarathons in the United States. If you enjoyed this episode: Listen to Breaking the Record at Big's Backyard Ultra with Harvey Lewis Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hugging Face reports an autonomous AI-powered breach. Ernst & Young discloses a client data breach. Attackers are actively exploiting a critical ServiceNow flaw. Ransomware gangs sharpen their tactics against law firms. Capital One open-sources an AI security tool. Text salting fools AI email filters. Hidden gambling apps slip into Apple's App Store. And federal agents arrest a Florida man accused of spreading malware through video games. Monday business briefing. Tim Starks from CyberScoop discusses election integrity. Fake feathers lead to faulty findings. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today we are joined by Tim Starks from CyberScoop discussing election integrity and the Trump administration's waning influence. You can read more here.  Selected Reading AI Agents Turned Into Attackers: Hugging Face Reveals Autonomous Intrusion Campaign (Security Affairs) Ernst & Young Data Breach Affects Personal, Financial Information (SecurityWeek) Critical ServiceNow code execution flaw now exploited in attacks (Bleeping Computer) How ransomware tactics against law firms are changing (Wisconsin Law Journal) Capital One Open Sources AI-Powered ‘VulnHunter' Security Tool (SecurityWeek) AI spam filters are getting suckered by old-school text salting (The Register) Investigation reveals dozens of disguised gambling apps on the App Store in Brazil (9to5Mac) FBI Arrests Florida Man in $220,000 Steam Crypto Theft Case (Hackread) Israeli identity management startup Oak emerges from stealth with $60 million in seed funding. (N2K Pro Business Briefing) AI-altered images on birdwatching forums putting research at risk | AI (artificial intelligence) (The Guardian) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Independent Dealer Podcast, Jeff Watson and Luke Godwin are coming to you live from Denver, Colorado at the NIADA 2026 National Convention. No guest, no studio — just two guys in rocking chairs sharing what they're seeing, hearing, and thinking after a week of conversations with dealers from across the country. From AI and daily score boarding to EV velocity, subprime lending shifts, and a low-balance trade cycle that's moved way further out than most dealers realize — this one covers the themes nobody's putting in a press release.What You'll Learn:-Why "know your numbers" is still the dominant theme at NIADA 2026 — and how AI is changing what dealers actually do with those numbers once they have them-The scoreboarding framework both Jeff and Luke keep coming back to — and why the metric you assign an employee has to be something they can actually control-Why independents are outselling franchises on direct-to-consumer EV brands like Tesla and Rivian — and why velocity is the only strategy that works when prices fluctuate that fast-Why subprime banks are still slow to finance EVs — and why one dealer buying 300 EVs a month should absolutely be reinsuring that battery risk himself-How capital markets are quietly re-entering the subprime space — and what it means that Capital One is calling dealers who never reached out-Why the low-balance trade conversation has shifted from $2,500 to $6,500 — and why starting it at 18 to 24 months in the loan is now the number that actually works-Why Jeff is so scared of shiny objects he admits he probably misses good ones — and what finally convinced him to change his payment processorIf you're an independent dealer who couldn't make it to Denver this year — this is the closest thing to being in the room.Support the businesses that support the podcast:Buckeye Risk Services - Reinsurance and wealth strategies for independent dealers.https://theindependentdealer.com/buckeyeBlytz - BHPH payment processing with fast funding and text-to-pay.https://theindependentdealer.com/blytzpayIturan GPS - Asset protection and customer management for BHPH and retail dealers.https://theindependentdealer.com/ituranFollow & Connect:Website: www.theindependentdealer.comFacebook Group: @independentautogroupLuke Godwin: @lukegodwinJeff Watson: /sendtojeffwLike, subscribe, and share this with a dealer who needs to hear it.

In this episode, Larry OBrien and Erica Voss explore the critical but often overlooked topic of cybersecurity in supply chain solutions. They discuss the challenges, emerging technologies, and strategies to build resilient, trustworthy supply chains in a digital and AI-driven world.#supplychain #security #cybersecurity #digitaltransformation, #ai #cloudsecurityKey topics:- Cybersecurity in supply chain solutions- Impact of digital transformation and AI on security- Building cyber resilience and trust in supply chains- The role of continuous monitoring and zero trust- Cyber threats and attack vectors in modern supply chains- Use of AI for security and red teaming- Software Bill of Materials (SBOM) and supply chain transparency- The importance of a dedicated cyber trust armGuest name:Dr. Erika Voss serves as Blue Yonder's Chief Security Officer. In this role, she is spearheading the vision, strategy, and execution of comprehensive and industry-leading security measures. She is focused on application security, access control, authentication, third-party risk management, and intrusion detection, ensuring robust security frameworks and compliance with industry standards and regulations. Erika boasts a distinguished cybersecurity career spanning over two decades. She has held high-level positions at renowned companies such as Capital One, Salesforce, Oracle Public Cloud, Microsoft, and Amazon Web Services.  Recognized for her exceptional leadership and contributions to the industry, Erika was awarded the CISOs Connect's Top 100 Accelerated CISOs Award (A100), which honors emerging security leaders, and Supply & Demand Chain Executive's Women in Supply Chain Award in the DEI Pioneer category. Erika holds a Ph.D. in Cybersecurity from Northcentral University, along with a master's in Security Administration and a bachelor's in Computer Operations Technology from Southwestern College.Resources:Blue Yonder - https://blueyonder.comOWASP Gen AI Red Teaming Guide - https://owasp.org/www-project-automated-threat-modeling/MITRE Atlas Framework - https://attack.mitre.org/resources/--------------------------------------------------------------------------Would you like to be a guest on our growing podcast? If you have an intriguing, thought provoking topic you'd like to discuss on our podcast, please contact our host Jim Frazer or Our Producer Tom CabotView all the episodes here: https://thesustainabilitypodcast.buzzsprout.com

Breannah Yeh is a slackliner, highliner, and content creator who has spent the last six years dedicated to life on the line. Whether she's landing tricks on a slackline in Los Angeles or walking highlines suspended thousands of feet above the ground, Breannah brings a joyful and creative approach to a sport that demands intense focus and balance. Through her videos, she shares the challenges and rewards of slacklining with a community of more than 2.5 million followers. Connect with Breannah:  TikTok YouTube Instagram If you enjoyed this episode, listen to:  Learning Something New with Dylon Efron Life on a Highline with Faith Dickey Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Teams rarely fail due to a lack of talent or tools, they fail because their work is poorly coordinated. Missed deadlines, blown budgets, constant fire drills, and disengaged employees are usually symptoms of one hidden problem: outdated, industrial-era management practices trying to run a modern, knowledge-based workforce. Today's guest, Chris Majer of Human Potential Project and author of “The Power to Transform,” has helped organizations generate over $4 billion in measurable value by fixing this core issue: how people actually coordinate work. In this episode of Marketer of the Day, Chris breaks down what he calls the “technology for coordination,” a practical, performance-based approach originally honed with elite athletes and the military, then applied to companies like Capital One and Allianz Life. Instead of adding more project management tools or dashboards, Chris shows why the real leverage is in upgrading how people make and keep commitments through clear action cycles: “I promise or ask you to do X by time Y,” and then rigorously follow through. He explains how vague language like “ASAP” quietly destroys trust, creates drama, and cascades into organization-wide chaos. Chris also shares powerful case studies, including helping Capital One stand up a 1,500-person call center in 180 days and guiding Allianz Life to a $685 million documented return on a $10 million investment in performance transformation. Along the way, he reveals why most “learning” today is just consumption of information, and why real capability only comes from structured practice, repetition, and cultural reinforcement over months, not from a weekend seminar or a list of “tips.” https://youtu.be/dMYrL78ppdw?si=P-6GZnrttEfVWQsU If you're tired of busy but unproductive teams, endless misalignment, and people hiding from accountability, this conversation will challenge how you think about leadership and management. You'll learn why some team members naturally opt out when a true performance culture shows up, what CEOs must do to stand firm through the predictable pushback, and how to start building a company where coordination, trust, and performance are baked into the way work gets done. If you're ready to move beyond theory and slide decks into measurable, sustainable results, Chris's approach may be exactly the reset your organization needs. Quotes: "We're all about performance, not theories, not trending, but what actually works, what is consistently working, and what we believe will work as we move into this new future we're all staring at."  "Most of us today don't make things; we generate value out of our effective coordination with other people to take care of customer concerns. That's a completely different world, but we're still trying to manage it with industrial-era practices."   "If we do our job really well, two to three percent of your people are going to quit, and we don't charge you any extra for that. We're culling the herd for you."   Contact Details: Ready to Transform Your Company's Performance? Schedule a Strategy Call Today Visit the Official Website of Chris Majer Follow Chris Majer on Facebook for Practical Leadership Insights Follow the Page of Majer Factor on Facebook for Weekly Leadership Insights Connect with Chris Majer on LinkedIn Follow The Majer Factor on X for Leadership Insights, Fresh Perspectives, and Practical Tools The Power to Transform: A New Future Awaits on Amazon Ready to Elevate your Leadership? Subscribe to the Majer Factor YouTube Channel Follow the Page of The Majer Factor on Instagram and Stay Inspired Every Day

12 - Dom Time from the Capital One MLB All-Star Village this afternoon! Sunny Hostin doubles down on being stupid. 1210 - Side - all time sports moment 1215 - Are CNN viewers buying into the DSA? 1220 - Can we not have Barry Bonds on broadcasts? Were the boos from Phillies fans lat night right or wrong? Is Zohran Mamdani excusing rape? 1235 - PA State Senator Jarrett Coleman joins us today. Why wouldn't Senators talk about the vote beforehand? Was this really a win for Pennsylvanians? 1250 - This immigrant woman calls CNN to rip the DSA a new one. Are people going to be fooled by socialism? Your calls. 1 - George Bochetto, attorney and founding partner of Bochetto & Lentz, is here this afternoon. Why have the concrete barriers that protect bike lane drivers been ruled a safety hazard? What makes them an issue for non-bike riders? Will something be done about those riding e-bikes and scooters 25-30MPH alongside pedestrians? Will we see the Frank Rizzo statue emerge any time soon? 120 - How much of a Philly spectacle was the Homerun Derby last night? More on the killing in Roxborough and the involvement of Homeland Security in this case. Anti-ICE rhetoric has returned after a number of incidents in the past week. 135 - Chief Economist for the Thomas A. Roe Institute for Economic Policy Studies and the Richard Aster Fellow at the Heritage Foundation, EJ Antoni is here after inflation has been slashed! How has this happened? What can EJ tell us about the pop up gas stations offering slashed rates for regular? What other pertinent economic news is dominating the headlines? 150 - Why is Rep. Vince Hughes drawing Dom's ire today? 155 - Republican Candidate for NJ Senate Justin Murphy pops in this afternoon. What is the big reason that Jersey voters should go red in this election? Is there a pro-life lane in New Jersey? Is a more moderate approach or a more conservative approach the way to go? Did Jack Ciattarelli run a conservative enough campaign? 2 - Just how bad is the parking around here? What did Jennifer Welch think about Lindsey Graham? Should SCOTUS Justices have to wear bullet proof vests in everyday life? 205 - Have the communists successfully infiltrated the Democrat Party? Will any Democrats fight back? 210 - Is Will Ferrell over the hill in terms of his comedy? Will any hack sportswriters degrade Philadelphia for the fans last night? Your calls. 215 - Dom's Money Melody! 220 - Captain Sully, who famously landed a plane on the Hudson River, has been diagnosed with Alzheimer's. Dom pays his respects. 225 - More of your calls. 230 - Why do republicans have to run and fight back against Mamdani? Is this the winning strategy for the midterms? 235 - We revisit the comments on CNN made by Denise, who rails against the socialist candidate on their program. 240 - More calls. 250 - The Lightning Round!

Executive coach Pooja Venkatraman (Harvard College, Harvard MBA, ex-BCG, ex-Capital One) explains why burnout has almost nothing to do with how many hours you work, and everything to do with the mental soundtrack running while you work. She breaks down the two flavors of burnout high achievers miss, why "just quit" is bad advice, and the framework she uses to help Ivy League grads and operators get unstuck. For founders, VCs, and operators across Singapore, Indonesia, Vietnam, the Philippines, Thailand, and Malaysia, this is a candid look at building a career that feels as good on the inside as it looks on the outside: navigating career pivots, imposter syndrome, and high-pressure decisions without burning out. Pooja also shares her non-linear path from aspiring screenwriter to coach, and why every move was a hypothesis worth testing. Learn more about Pooja: https://poojavcoaching.com/ Watch, listen or read the full insight at https://www.bravesea.com/blog/pooja-venkatraman-burnout-fear-flow  BRAVE is Southeast Asia's leading tech podcast, hosted by Jeremy Au. Honest conversations with the region's top founders, investors, and operators on building startups in Southeast Asia. New episodes every week. Subscribe so you never miss one. Listen & Subscribe YouTube (English), YouTube (Bahasa Indonesia), Spotify (English), Spotify (Bahasa Indonesia), Spotify (Chinese), Spotify (Vietnamese), Apple Podcasts Follow BRAVE LinkedIn, X (Twitter), Instagram, TikTok, WhatsApp Follow Jeremy Au LinkedIn, X / Twitter, Instagram, TikTok, Facebook, Threads, Twitch Resources Get transcripts, startup resources & community discussions at www.bravesea.com #Burnout #CareerCoaching #ExecutiveCoaching #SoutheastAsia #Podcast #TechCareers #Leadership #Founders #HighAchievers #CareerChange #MentalHealth 00:00 The biggest misconception about burnout 00:39 Intro: from HBS classmates to executive coach 03:35 The writer years: Harry Potter to Harvardwood 08:22 Pivot to business: Capital One and the secret writing job 10:28 HBS, BCG, and the hypothesis that broke 13:12 The Clay Christensen fellowship and the shelved book 17:44 Back to Capital One: "You're not being brave" 23:44 The circular career and the wrapping paper trap 28:56 Hiring a coach, then becoming one 35:17 Burnout is not about the hours 38:44 Why not just quit? The internal tug of war 42:05 Being brave, advice to her younger self, and takeaways

Cash Back and Points: How to Blend Credit Card Rewards with Amex, Chase, Capital One, Citi, U.S. Bank & More Justin Vacula of the Hurdy Gurdy Travel Podcast is joined by co-host Darren to discuss how to combine cashback credit cards with a points and miles strategy. Justin and Darren explain that points and miles can be great for flights, hotels, lounges, and premium travel, and cashback can help cover expenses that points do not easily offset, including airline fees/taxes, food, transportation, and other out-of-pocket travel costs. They compare traditional cashback cards with points that can be cashed out, starting with American Express Membership Rewards options such as the Schwab Platinum, Morgan Stanley Platinum, and Amex Business Platinum with Business Checking. They also discuss strong Amex earning cards, including the Amex Gold Card, Amex Business Gold, and Blue Business Plus. The episode also covers Chase Sapphire Reserve Pay Yourself Back, shifting Chase redemption categories, Capital One Venture and Venture X purchase eraser redemptions, and Citi cash-out options through cards such as the Citi Strata Premier and Citi Strata Elite. Justin and Darren also discuss US Bank business cashback cards, including redemption considerations and how a US Bank checking account is needed to get better value. They review the Discover IT rotating 5% categories, gift card redemption bonuses, and more. Timestamps 00:00 Podcast Intro 00:35 Cashback Strategy Setup 01:49 Why Cashback Matters 04:31 Amex Points Cashout 07:19 Chase Points Cashout 11:41 Capital One Points Cashout 14:23 Citi Cashout Options 16:06 Support And Sponsors 18:27 US Bank Cashback Cards 20:39 Discover Cashback 24:22 MGM Iconic 27:58 Venmo And Langley 33:25 Trips, Credits, And Wrap Up 38:07 Closing Outro —

Lisa Jhung is a writer, trail runner, and ultramarathon pacer who first began pacing runners more than 25 years ago. Drawn to the challenge and camaraderie of endurance sports, she's helped athletes through some of the most demanding miles of their lives. What keeps her returning to the trail is the opportunity to support someone else's big goal and be part of their journey to the finish line. Connect with Lisa:  Website Instagram Substack Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever since I shared that we booked Hotel Xcaret — a luxury all-inclusive on the Riviera Maya, my inbox has been full of one question: how?So, in this episode, I'm pulling back the curtain on my full trip planning process for the rest of 2026. Not just the Xcaret booking itself, but the thinking that happens before I ever search for award space — because that's what really happens. I'm walking you through:The thought process behind the Hotel Xcaret redemption, from spotting the opportunity to confirming the booking at zero out of pocketHow I map out a full year of travel around the points and business spend we already have — instead of chasing whatever's trendyWhy I decide on the experience first and work backward to the currency (Capital One, Chase, Amex, hotel programs) that gets me thereWhat's actually on our 2026 travel calendar and how each trip is getting fundedReady to plan trips like this with me looking over your shoulder? Inside the Travel Points Lounge, you get direct access to me for exactly this kind of booking strategy.

As Chief Investment Strategist at Hightower Advisors, Stephanie Link spends her days researching the market's winners. Today, she's breaking it all down for us. Stephanie explains why the economy keeps defying the doom-and-gloom headlines, which stocks she thinks will champion the next decade, and why she believes we're only in the third inning of the AI revolution. Nicole and Stephanie get tactical fast: the difference between the Mag 7 and the "S&P 493," which stocks are not worth the hype, and Stephanie's thesis that cybersecurity stocks will end up being bigger than AI. She names her favorite tickers across cybersecurity, data centers, robotics, and quantum computing, and explains whether it's too late to buy NVIDIA. Stephanie also gets real about the so-called "AI bubble," the circular spending debate freaking out investors, and why she bought SpaceX but capped it at just 2% of her portfolio. Plus: what her 19-year-old daughter is investing in, why "FAANG" just got a 2026 update, and the one boring, unsexy ETF Stephanie says every new investor should consider. Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠  Read more about Stephanie's work Here's what Nicole covers with Stephanie: 00:00 Are You Ready for Some Money Rehab? 01:12 Stephanie Link Joins Money Rehab 01:41 Why the Market Keeps Defying the Doom and Gloom 04:07 CapEx, Decoded 06:58 The K-Shaped Economy: Why the Vibes Don't Match the Numbers 09:49 Inflation, Oil Prices, and the War's Ripple Effect 11:41 Mag 7 vs. the S&P 493: Which ETF Should You Buy? 16:16 Why Stephanie Says No to Leveraged ETFs 17:32 Cybersecurity Will Be Bigger Than AI 20:16 The Best Cybersecurity Stocks on Stephanie's List 23:15 How to Vet a CEO Before You Buy the Stock 25:16 Investing Lessons from Stephanie's 19-Year-Old Daughter 28:23 What Stephanie Won't Buy: Crypto, Staples, and Energy 32:20 Inside the AI "Food Chain": Powering the Data Center Boom 35:43 Robotics and Quantum Computing: The Next Big Themes 41:00 MicroStrategy vs. Palo Alto: What "On Sale" Really Means 43:07 FAANG Is Dead, Long Live MANGOES 43:47 Why Stephanie Bought SpaceX (and Kept It to 2%) 55:40 Is It Too Late to Buy NVIDIA? 59:06 Grading the Innings: AI, Cybersecurity, and Robotics 59:50 Hot Stocks: Micron, SanDisk, and the Chips Everyone's Chasing 1:02:27 Is There an AI Bubble? 1:03:16 The Circular Spending Debate 1:08:08 Stephanie Link's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. Disclosures: Hightower invests in companies including Boeing Company, Dover Corp, General Electric, Quanta Services, Rockwell Automation, Union Pacific Corporation, Broadcom, International Business Machines Corporation, Marvell Technology Inc, ServiceNow Inc, Palo Alto Networks Inc, Snowflake Inc, Synopsys Inc, Bank of America, Capital One, Coinbase, Morgan Stanley, Truist Financial Corp, Amazon.com Inc, Meta, SpaceX, Alcoa Corp, Antofagasta PLC, Natera Inc, UnitedHealth Group Inc, iShares MSCI Brazil ETF, SLB Limited

Apply to work with me one-on-one: https://www.cleartheshelf.com/applyApply for 0% interest credit cards here: https://www.cardratings.com/bestcards/business-credit-cards.php?src=704525He was stuck at $30K a month for four months straight. Profitable, healthy sell-through, more leads than money to buy them. The problem wasn't sourcing. It was capital. So he got his first two credit cards, $110K combined, and within five months he hit his first $100K month. He's now done over $7M in Amazon sales in his early 20's.Sadeq has built $385,000 in business credit lines across Chase, American Express, Capital One, and others. He walks us through the exact card stack, the application sequence, billing cycle optimization, the funding traps that cost sellers thousands, and why 0% APR credit cards are the single best scaling tool for OA sellers who've outgrown their cash.Chapters:00:00 - Stuck at $30K/Month With No More Cash to Spend02:00 - Sneaker Restocks at 5AM for 18 Months Straight05:31 - How to Know It's Capital, Not Sourcing07:00 - What Separates the Best Arbitrage Sellers09:00 - The Funding Traps That Sound Good Until You Do the Math14:01 - Why 0% APR Cards Beat Everything Else16:43 - The Guardrails You Need Before You Touch Credit18:48 - The Chase Stack: How He Got $72K in One Day21:10 - Pre-Application Checklist (Don't Skip This)24:00 - The Heavy Spender Card Nobody Talks About25:00 - Charge Cards vs Credit Cards: Which One Fits OA?30:00 - What to Do When You Get Declined32:46 - Billing Cycle Optimization (No Two Cards Due the Same Day)38:01 - Signup Bonuses: The Money You're Leaving on the Table40:21 - Lightning Round: One Card, One Mistake, One ToolFollow Sadeq:X/Twitter: https://x.com/sadeqwahabInstagram: https://www.instagram.com/sadeqwahabb/Work with Sadeq: https://calendly.com/sadeq0905/business-funding-strategy-callFollow Chris Grant:X/Twitter/Instagram: @cleartheshelf Newsletter: https://cleartheshelf.com/newsletterFollow Chris Racic:X/Twitter: @ChrisRacicNewsletter: https://oaleads247.com

Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/KeeperCardsWe discuss the best keeper credit cards from Chase, American Express, Citi, Capital One, and more! These are the cards that may be worth holding long-term even after the annual fee hits. We also share our simple 4-step process to help you decide whether to keep or cancel a credit card.Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: https://www.letsgettothepoints.com/Sign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:11 The Best Keeper Cards3:56 Chase Keeper Credit Cards20:16 American Express Keeper Credit Cards31:54 Citi Keeper Credit Cards40:27 Capital One Keeper Credit Cards49:43 Other Keeper Credit Cards55:03 Cancel or Keep? 4-Step Card Decision ProcessLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Best Credit Cards for Airport Lounge Access | Priority Pass, Chase Sapphire, Amex Centurion, Capital One & Airline Clubs Justin Vacula of the Hurdy Gurdy Travel Podcast is joined by returning co-host Darren to discuss the best credit cards for airport lounge access, including Priority Pass, Chase Sapphire Lounges, Capital One Lounges, Amex Centurion Lounges, United Clubs, Delta Sky Clubs, Admirals Clubs, and other airline lounge options. In this episode, Justin and Darren explain how airport lounge access can save travelers money on food and drinks, make layovers and delays more comfortable, and sometimes even help with rebooking when airline agents inside lounges are available. They start with Priority Pass credit cards, including beginner-friendly options like the U.S. Bank Altitude Connect, which offers four Priority Pass visits with no annual fee, and premium options like the Bilt Palladium Card, Chase Ritz-Carlton Card, and Chase Sapphire Reserve. They discuss lounge visit limits, guest access, authorized users, annual fees, and how Chase Sapphire Lounge access fits into the Priority Pass ecosystem. Timestamps 00:00 Points And Miles Intro 00:45 Why Airport Lounges Matter 04:15 Priority Pass Basics 04:47 Beginner Lounge Cards 06:27 Premium Priority Pass Picks 09:59 United Lounge Cards 14:41 Venture X And Lounge Networks 17:11 Amex Platinum And Delta Access 18:57 American Airlines Lounge Cards 20:21 Support The Show Break 22:22 Qatar Card Flagship Hack 25:47 Listener Questions And Tips 33:57 Wrap Up And Upcoming Trips 36:19 Outro And Credits —

Lucy Barnard is an Australian adventurer walking the length of the Americas, a years long expedition from Argentina to Alaska she began in 2017. Along the way, she adopted a blue heeler named Wombat, and together they navigate deserts, mountains, jungles, and remote terrain on foot. By 2026, Lucy had reached northern British Columbia, steadily continuing north toward Alaska. Connect with Lucy:  Website Instagram  YouTube Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rich Lennon is a longtime real estate investor turned private lender who built one of the largest hard money lending operations in Richmond, Virginia, after a career of flips, rentals, and buy-and-hold deals. He reached financial freedom by stepping out of active investing and into the lending seat, where he now earns 30 to 50% returns doing only a few hours of work per deal while traveling the world.In this episode, Rich breaks down the fractional wrap, the strategy he uses to combine his own capital with private money and capture the arbitrage between what he borrows at and what he lends at. He explains why being the bank is the lowest-risk seat at the table, how to underwrite a deal, why staying local matters, and the morality of protecting your borrowers.David and Rich go deep on the mechanics: the $50,000 starting point, taking a first-loss position to protect underlying lenders, and how returns scale with how hard you want to work. Rich shares why flippers and operators are perfectly positioned to make the jump, since their worst-case scenario as a lender is taking back a property at 50 to 60 cents on the dollar.If you are a real estate investor or entrepreneur who has stacked some cash and wants to put it to work without chasing marketing, finding deals, or managing renovations, this conversation lays out exactly how to move from operator to lender the right way.Episode Highlights[1:06] – David introduces Rich Lennon, his first ever Simple CFO client and the friend who helped springboard the company[4:14] – Rich recalls David finding $800,000 in his books and how that discovery started his path to freedom[4:32] – Why Rich shut down his operating business during Covid and ran the numbers showing he no longer had to work[4:51] – Rich falls in love with lending and travel, earning 30 to 50% returns on a few hours of work per deal[6:13] – Rich's background as a buy-and-hold investor who flipped to pay the bills and built wealth through IRAs[7:50] – Why the lending seat carries the smallest risk and beats flips, short-term rentals, and long-term rentals[8:12] – How a lender gets in at 60% of value when someone else does the marketing, contracts, and closing[10:02] – The Capital One effect and why dentists, lawyers, and executives make ideal private lenders[11:30] – Why you need at least $50,000 to make a fractional wrap worth the effort[12:16] – The case for skin in the game and putting the flipper in first-loss position[13:12] – Rich walks through the fractional wrap math on a $200,000 loan worth $300,000[14:45] – How taking a first-loss position protects your underlying lender at a 30 to 35% loan-to-value[15:40] – Why putting less of your own money in the deal drives your return toward 50%[18:27] – How return scales with effort and why bigger money usually means lower returns[19:36] – Growing lending into a real business and why Rich teaches students to stay local[22:47] – How to underwrite a deal by averaging Zillow, Realtor.com, Redfin, and a fourth source[25:50] – The morality of lending, avoiding stacked penalties, and protecting clients so they return[28:02] – How to reach Rich by text to learn about the fractional wrap5 Key TakeawaysThe lender holds the lowest-risk seat at the table. The mortgage gets paid before anyone else, and if a deal goes bad, the worst case is taking back a property at 50 to 60 cents on the dollar.A fractional wrap combines your capital with private money. You borrow at around 10%, lend at 20%, and pocket the arbitrage, pushing returns to 30 to 50% on the money you put in.The less of your own money you put in, the higher your return. Putting $50,000 into a $200,000 deal instead of $100,000 can take your return close to 50%.Take a first-loss position to protect your lenders. Putting your own money at risk before theirs keeps you a careful steward and gives your underlying lender a safe 30 to 35% loan-to-value spot.Stay local and learn to underwrite. Average four valuation sources to comp a property, keep deals close enough to drive by, and you remove most of the risk that sinks careless lenders.Links & ResourcesSimple CFO — https://simplecfo.comProfit First for Real Estate Investors — https://profitrei.com Investor Addicts Facebook group — https://www.facebook.com/groups/investoraddicts Text Rich Lennon to learn about the fractional wrap — (804) 601-0330Closing RemarkIf Rich's breakdown of the fractional wrap has you thinking about putting your cash to work instead of chasing the next flip, the first step is having the profit to lend in the first place. Take what you learned about moving from operator to lender and share this episode with someone sitting on capital who does not know where to start. Subscribe, review, and share the show, and visit simplecfo.com to take your free discovery call today.

#284: Chris breaks down the credit card benefits that save real money but rarely get attention, from getting a cracked iPhone repaired for free to purchase protections, travel coverage, and a deep bench of lesser-known perks. Learn exactly which card to reach for on every purchase, so you're always covered and never leaving money on the table. Link to Full Show Notes: https://chrishutchins.com/hidden-credit-card-benefits-2026/ Partner Deals Fora: Become a Fora Advisor today Bilt Rewards: ⁠Earn the most valuable points when you pay rent Mercury: Help your business grow with simplified finances Quince: Affordable luxury essentials with free shipping + 365 day returns LMNT: ⁠Free sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Tools & Apps CardPointers: 30% off (50% off for ATH Members) GigSky The Cultivist Benefit Programs Sapphire Tables (via OpenTable) Resy Mastercard Priceless Visa Universal Studios discounts SoFar Sounds Troon Rewards Discover Cash at Checkout Amex Venmo Send and Split ATH Podcast Ep #66: Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks with Jonathan Weinberg Ep #113: Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits Ep #221: Deep Dive on Credit Reports, Scores, and Their Real-World Impact Ep #224: Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song Ep #283: Do You Actually Need Travel Insurance? Hotel Upgrade Program Best Cards Page Gift Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (02:15) Purchase Benefits Overview (02:36) Purchase Protection: Coverage for Damaged or Stolen Items (05:15) How Extended Warranty Protection Works (06:36) Return Protection for Items Stores Won't Take Back (07:55) When Price Protection Can Save You Money (12:27) Travel Benefits Overview (12:46) Trip Cancellation & Interruption Insurance (13:22) Trip Delay Coverage (13:47) Delayed Luggage Reimbursement (14:04) Lost and Damaged Bag Insurance (16:01) Rental Car Coverage: Primary vs. Secondary Insurance (21:37) Emergency Medical Coverage While Traveling (22:54) Non-Emergency Medical and Dental Coverage (23:22) What Travel Accident Insurance Actually Covers (23:53) Lounge Access Across Issuers and Networks (25:06) Booking the Luxury Hotel Collections for Free Perks (29:34) Free International Data and Roaming Benefits (31:46) Global Entry, TSA PreCheck & Trusted Traveler Credits (32:29) Cell Phone Protection Benefits (35:12) How to Maximize Card-Linked Offers (36:16) Automating Card-Linked Offers With CardPointers (37:26) What Credit Card Concierge Services Can Actually Do (38:49) Free Credit Scores and Credit Monitoring Tools (40:06) The Chase Instacart Benefit (and How to Stack It) (45:18) The Chase DoorDash Benefit (47:31) Exclusive Restaurant Reservation Programs (48:30) American Express Uber Benefits (49:14) Lyft Perks for Mastercard Holders (49:43) Capital One Entertainment and Drink Benefits (50:24) Free Museum Access With Bank of America and Capital One (52:22) Experience and Entertainment Programs (54:11) Getting Cash Out of Your Credit Card Benefits (55:50) Instant Approval and Virtual Card Numbers (58:02) Visa Network Benefits Worth Knowing (59:26) Mastercard Network Perks: Transit, Peacock, Airport Fast Track & Soho Friends Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

In June 2025, 15 year old Indigenous kayaker Tasia Linwood paddled 310 miles from southern Oregon to the Northern California coast. She became one of the first people in over a century to complete the full Klamath River after the largest dam removal in U.S. history.Connect with Tasia:  Watch: First Descent: Kayaking the Klamath River after the largest dam removal in U.S. history Support Paddle Tribal Waters: https://www.tattoo34pdx.com/ptw Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

SummerStage marks its 40th anniversary this year. New York Times reporter Ben Sisario reflects on the history of the concert series and listeners share their memories. Photo by Sean Drakes/Getty Images: Dyane Harvey performs during the Clark Center for the Performing Arts 60th Anniversary Tribute as part of SummerStage presented by Capital One at Marcus Garvey Park on August 15, 2019 in New York City.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode 177 of the Award Travel 101 podcast featured Angie Sparks and Cameron Laufer discussing a variety of points-and-miles developments, along with a relatable highlight post from member Melissa about unexpectedly helping a 20-year-old replace a totaled car. While everyone was safe, the experience led to another large purchase charged to a Capital One card, adding to a family history that includes eight vehicle purchases since 2020. The hosts also covered several notable news items, including the end of the Chase Sapphire Reserve's 150,000-point welcome offer, a new 200,000-point bonus on the Sapphire Reserve Business card, elevated 100,000-point offers on the Ink Cash and Ink Unlimited cards, a 30% Chase-to-Virgin transfer bonus, and the announcement that Philippine Airlines will join Oneworld next year. They also discussed reports that American Express may soon restrict Resy dining credits to restaurants specifically marked as eligible within the Resy app.The main topic focused on the refreshed Chase Sapphire Preferred card. New benefits include 3x points on gas and EV charging, 3x points on vacation rentals through brands such as Airbnb and Vrbo, a Global Entry/TSA PreCheck/NEXUS credit every four years, a complimentary year of Apple TV+, an increased annual hotel credit, and enhanced travel protections, all while maintaining the $95 annual fee. However, the biggest change for award travelers is the reduced Hyatt transfer ratio for Sapphire Preferred cardholders, moving from 1:1 to 4:3. Angie and Cameron explored the implications, noting that while Hyatt loyalists may find the change disappointing, the card still offers strong value for beginners and those who primarily use Ultimate Rewards with other transfer partners. They also discussed alternatives such as upgrading to the Sapphire Reserve, utilizing Bilt points for Hyatt transfers, or making a speculative transfer of Ultimate Rewards points to Hyatt before the new ratio takes effect.The episode wrapped up with personal updates and strategy discussions. Angie shared that ChatGPT helped her compare transportation options and ultimately choose a Swiss Rail Pass for an upcoming trip, while also finalizing plans for Morocco. Cameron reviewed several flight options for Greece, weighing the value of different award redemptions and routing choices. The hosts concluded with a practical travel tip: always place your wallet, keys, purse, shoes, and other essentials in the same spot each night while traveling. A recent hotel fire experienced by friends reinforced how valuable this simple habit can be when an emergency requires a quick evacuation.Episode Links:Chase Ink Business Cards New OfferChase Sapphire Reserve Biz New OfferChase Sapphire Preferred RefreshPhilippine Airlines Joins OneworldAmex Resy ChangesChase to Virgin Transfer BonusWhere to Find UsThe Award Travel 101 Facebook Community.To book time with our team, check out Award Travel 1-on-1.You can also email us at 101@award.travelBuy your Award Travel 101 Merch hereReserve tickets to our Late Summer 2026 Meetup in Milwaukee now. award.travel/mke2026Our partner CardPointers helps us get the most from our cards. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card!Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.  

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

Liam Garner is a long distance cyclist who set out at 17 to bike from Prudhoe Bay, Alaska to Ushuaia, Argentina, completing nearly 20,000 miles and becoming the youngest person to ride the length of the Americas. Now, Liam is continuing his global cycling journey, riding roughly 15,000 miles from Portugal through Europe, the Middle East, and Asia toward Singapore as part of his goal to bike across every continent. Connect with Liam:  TikTok Instagram Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® AeroPress Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Shawn Osborne Jun 9, 2026, 8:08 PM (6 days ago) to me Today on The Liberty Blues libertarian candidate for US Senate from Arkansas Jeff Wadlin Jeff Wadlin chose Arkansas. He was born in Richmond, Virginia, and moved around a lot growing up — Illinois, Arizona, North Carolina. But when it came time to plant roots and raise a family, Jeff picked Bentonville. His three sons are growing up here. This is home. Jeff is not a career politician. He is a builder. He studied aerospace and mechanical engineering at the University of Virginia, went to work for Caterpillar, earned an MBA from Northwestern, and spent the rest of his career making things run. He co-founded a company in Illinois that became the largest online salvage yard for auto parts in the country. He worked at Capital One's headquarters in Virginia. He launched his own product development company. He ran Membership nationwide at Sam's Club here in Bentonville. Then he left to build his own consulting business. Big companies, small companies — Jeff has done both. He has led teams, made payroll, sat across the table from customers, and learned the hard way that a good idea isn't worth much until somebody executes it. You have to listen. You have to solve real problems for real people. That's the work Jeff knows how to do. Outside of work, you'll find Jeff on a mountain bike or a motorcycle, out on a backpacking trail, in the gym, or at a poker table. He is a regular guy who has been blessed with a good education, a strong family, and enough road behind him now to want to give something back. And that's why he is running. Jeff is worried about where this country is headed, and he thinks a lot of Arkansans are too. Families are working as hard as they ever have and still feel like they're falling behind. Young people are starting to wonder if the American Dream is even on the table for them. Parents and grandparents keep asking the same quiet question: what kind of country are we handing the next generation? Those aren't abstractions to Jeff. He feels them at his own kitchen table. When he thinks about whether his kids will get to build the kind of life he got to build, it's personal. Jeff doesn't think we fix any of this by yelling louder, hating our neighbors, or treating politics like permanent team warfare. His faith teaches him that God is love — that we are called to love our neighbors even when we disagree. That isn't weakness. It's telling the truth with humility, standing firm on what you believe, and remembering that the people across from you are not your enemies. Jeff's principles are simple: love, truth, work, and sacrifice. He believes government should leave you alone unless you're harming someone else — physically or financially. He believes every working family deserves a fair shot at a good life. And he believes Washington needs more adults in the room: more builders, more problem-solvers, and fewer politicians who profit from keeping us divided. Jeff has stepped into the arena before, running for Justice of the Peace, City Council, and a bid for the Libertarian nomination for U.S. House in 2018. He hasn't won yet, but that's about to change. Public service is worth the effort, even when the odds are long. Jeff is running for U.S. Senate because he wants to help build a country where hardworking Arkansans — and our kids and grandkids — can live freely, work hard, raise their families, build something of their own, and believe in the future again. Jeff chose Arkansas. Now he is asking Arkansas to choose him. This will be an episode of liberty blues.

Lindsay Branham is an environmental psychologist exploring how we build deeper, more reciprocal relationships with nature. Her work invites us to go beyond simply spending time outside and consider what it might look like to truly listen and even communicate with trees. Connect with Lindsay:  Website  Instagram Purchase Lindsay's book, Heartwood: The Wisdom and Healing Kinship of Trees  Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Ocean Bottle Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever wondered why Capital One's approval decisions feel completely random - approval for some, denial for others, with almost no rhyme or reason?   Capital One has a well-earned reputation for being unpredictable with credit card approvals. When Katie from Katie's Travel Tricks saw the launch of the new Capital One Business Venture card, she decided to move beyond anecdotes and collect real data. She surveyed her audience about their approval and denial experiences, gathered nearly 150 responses, and analyzed the patterns using data to answer the questions everyone has been asking: what actually matters to Capital One?   Katie and I break down what her data revealed about the three strongest approval predictors, why the conventional wisdom about waiting six months between Capital One applications might not be accurate, which metrics matter (credit score, hard inquiries, pre-approval status) and which ones surprisingly don't, and how business structure (sole proprietor versus LLC) impacts your approval chances. We also discuss what role the Capital One Business Venture Card plays in your overall rewards strategy and how to think about it within the larger Capital One ecosystem.   Get full show notes and transcript: https://pointmetofirstclass.com/capital-one-approvals-data       Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy  

Jason Kutasi is the founder and CEO of SkyHouse, a performance marketing agency that managed $50M in ad spend for 2025 - its first full year of business. He's driven roughly $500M in advertising over his career and built a children's book publisher acquired by Scholastic and a digital marketing platform acquired by Capital One.  Jason specializes in copywriting, funnel analytics, and scaling high-growth DTC and telemedicine brands.Highlight Bullets> Here's a glimpse of what you would learn…. E-commerce growth strategies and challenges.Comparison of selling on Amazon versus Shopify.Importance of average order value (AOV) in scaling advertising.Strategies to increase AOV, such as product bundling and premium versions.The role of TikTok and other platforms in e-commerce marketing.Managing advertising campaigns and the balance between creative volume and quality.The significance of agency versus in-house marketing teams.The impact of AI on marketing and the importance of human expertise.Insights on effective copywriting and video content in advertising.The future of e-commerce marketing and the evolving landscape of digital advertising.In this episode of the E-comm Breakthrough Podcast, host Josh Hadley speaks with Jason Kutasi, CEO of Skyhouse, about scaling e-commerce brands. They discuss the importance of average order value (AOV), emphasizing that brands need at least $60 in margin to run profitable paid ads. Jason contrasts Amazon-first versus Shopify-first strategies, recommends bundling and subscriptions to boost AOV, and advises starting with freelancers before scaling with agencies and in-house teams. They also explore Meta advertising, creative quality versus volume, and how AI augments—but doesn't replace—skilled marketers and copywriters.Here are the 3 action items that Josh identified from this episode:Fix Your AOV Before Scaling Ads Don't run paid ads until your average order value and margins can support CAC. Aim for $60+ margin per order using bundles, upsells, or subscriptions.Build on Shopify, Use Amazon as a Bonus Channel Prioritize DTC (Shopify) to control pricing, data, and AOV—then layer Amazon as an incremental revenue stream, not your foundation.Test Creatives Broadly, Then Double Down on Winners Launch multiple ad variations quickly, identify what works, and scale only high-performing creatives with better production and audience targeting.Timestamps:00:00:00 Introduction to the AOV ProblemJason Kutasi explains that Amazon sellers often struggle to scale on other platforms due to a low Average Order Value.00:00:34 Host & Guest IntroductionHost Josh Hadley introduces the episode's topic and guest Jason Kutasi, founder and CEO of performance marketing agency Skyhouse.00:02:26 Amazon vs. Shopify MindsetA discussion on the two primary approaches to starting an e-commerce business and the challenges faced by Amazon-first brands.00:03:39 The $60 Margin RuleJason explains why brands need at least $60 in margin to profitably acquire customers on paid ad platforms like Meta.00:04:37 Strategies to Increase AOVActionable ways to increase Average Order Value, including creating sister brands, bundling products, and offering aggressive subscription models.00:07:56 The "Shopify First" AdvantageThe benefits of a higher AOV, which provides more margin to scale advertising across multiple channels beyond Amazon PPC.00:10:30 Why You Must Be OmnichannelJason argues that Shopify brands should sell on Amazon to avoid losing customers who prefer to purchase there.00:14:01 Case Study: A Massive Meta Ad WinJason details a recent successful video ad campaign that scaled to thousands of orders in a single weekend.00:20:04 Navigating Meta's Andromeda UpdateA discussion on Meta's shift to creative-driven campaigns and the strategy of slicing avatars for better, more stable performance.00:23:34 Agency vs. In-House TeamsJason breaks down when to hire a freelancer, an agency, or build an in-house team for your marketing efforts.00:29:13 Why Most Marketing Agencies FailJason shares his experience with underperforming agencies and what brand owners should look for when hiring one.00:33:28 Building an In-House Team Alongside an AgencyThe importance of building an internal team to de-risk your business and test new offers before scaling with an agency.00:36:38 The Future of E-commerce and AIJason predicts AI will commoditize ad creation, making predictive modeling and data-driven rules the new competitive edge.00:41:42 AI as a Human AmplifierAI won't replace skilled marketers but will augment their abilities, allowing them to perform at a much higher level.00:44:43 Three Actionable TakeawaysThe host summarizes the episode's key lessons: fix your AOV, build in-house, and leverage AI with smart people.00:49:33 Jason's Final RecommendationsJason shares his most influential book, favorite AI tool (Claude Code), and a respected figure in the e-commerce space.Resources mentioned in this episode:Josh Hadley on LinkedIneComm Breakthrough ConsultingeComm Breakthrough PodcastEmail Josh Hadley: Josh@eCommBreakthrough.comTools and Websites"Amazon": "00:02:26""Shopify": "00:02:26""Meta (Facebook/Instagram Ads)": "00:02:56""Google Ads": "00:02:56""YouTube Ads": "00:02:56""TikTok": "00:06:23""PayPal": "00:11:49""Apple Pay": "00:11:49""Google Pay": "00:11:49""Shop Pay": "00:11:49""Claude Code": "00:50:05""Meta": "00:38:16"Books"The E-Myth by Michael E. Gerber": "00:00:56""Cash Flow": "00:49:36"Videos"Video Ads": "00:14:01"Notable Mentions / People"Skyhouse (Jason Kutasi's performan...

One week away from the Obama Presidential Center's June 19 opening, Crain's reporter John Pletz previews the museumwith host Amy Guth. Plus: O'Hare gate shuffle gives American an edge — and trims United's lead, Foundry Park slated for $202 million in TIF money for roads and parks, Capital One cuts nearly 300 jobs in fourth round of Discover layoffs and Pritzker moves to end data-center incentives. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How has SAS Eurobonus award availability been in the months since the Million Mile Madness challenge? What's the single best card for your "player two"? We answered these questions and more on the Ask Us Anything hosted live on YouTube on June 3rd, 2026.(00:38) - How many backup flights do you have booked at any one time, and how many fees does that incur? (04:43) - Has Greg tried/considered applying for a Discover card as a way to get “in” with Capital One since he has been unable to get approved for Capital One cards in the past? (06:05) - ​How has SAS Eurobonus award availability been in the months since the Million Mile Madness challenge? Any regrets? Learn more about the Million Mile Madness challenge here.(09:15) - ​​Given all the hotel devaluations which now includes Hyatt, which hotel points would you recommend accumulating? Seems every chain wants lots of points for a room. Learn about the decreased Hilton point value here(16:01) - What's a single best card for "P2" (player two)? (23:24) - Should Chase Rapid Reward credit card holders EVER book something above Choice fares if you don't care about the multiplier? (26:11) - How do you redeem Bilt cash for grub hub, walgreens and the $25 dining? (32:47) - Hilton Honors American Express Aspire Card annual fee just posted today but still haven't received the free night certificate. I was planning to downgrade to surpass, when can I expect it, if it takes more than 30 days will I still get annual fee refund? (34:36) - ​​I want to fly Cathay Pacific First Class between Chicago and Hong Kong, either way or both works. I'm extremely flexible and can probably come up with enough points in any currency. How do I find it? Find our "Which award search tool is best?" resource here(36:57) - ​I'm applying for my first mortgage soon. While my credit score is fine, I'm a bit worried about having to explain my long laundry list of credit card accounts thanks to this crazy hobby. Should I be? (41:24) - ​​So what are your favorite choices for virtually undiscovered islands similar to Koh Kood that lack the crowds but still have things to do (50:38) - What airline programs should be avoided due to poor customer service? I try to book when flights come out, which means there are often schedule changes that can be a problem/opportunity.Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “swappin' back n' forth” by up @ night Mentioned in this episode:Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast NetworkFrequent Miler's Best Offers Pagehttps://frequentmiler.com/best-credit-card-offers/

Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/ChasevsCapOneIt's a battle of the cards! We compare the Chase Sapphire and Capital One Venture credit cards. We'll break down annual fees, welcome offers, earning rates, key benefits, and our recommendations to help you decide which card is best for your points and miles strategy.Earn more points and miles with QCGC!Sign up here to get started: https://qcgc.io/?ref=lgttp-v1Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: https://www.letsgettothepoints.com/Sign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:43 Battle of the Cards: Chase vs Capital One3:13 Entry-Level Travel Cards18:09 Earn More Points and Miles with QCGC19:52 Premium Travel Cards30:23 Unlock Capital One Lounge Access32:50 Which Ecosystem is Better? Chase vs Capital OneLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

DOCKET ALERTS:   Lots of legal news out of US Agency for Global Media, the parent agency for Voice of America. Judge Royce Lamberth ruled that Kari Lake was never legally appointed CEO of USAGM, and thus her orders shutting the sub-agencies down and firing all the employees were null and void. The government appealed, but in the sloppiest way possible. Now the agency is getting sued again for violating the firewall protecting journalistic independence, forcing the networks to air AI slop praising Trump. But Kari Lake has an answer for that, and it is to call the judge a fatso.   Judges in the District of New Jersey have appointed longtime prosecutor Robert Frazer as US Attorney. And so far, Attorney General Bondi hasn't fired him.   Judge Roy Altman, a Trump appointee, seems disinclined to put an end to Trump's trollsuits right out of the gate. He's allowing the case against the BBC to proceed to discovery. And he dismissed the complaint against Capital One for tortious debanking, but allowed Trump 90 days to conduct discovery and refile.   MAIN SHOW:   We've got an update on Kilmar Abrego Garcia. The government says it has to send him to Liberia (where he does not agree to go) instead of Costa Rica (where he does agree to go) because Secretary Marco Rubio spent a lot of time negotiating with Liberia to take Abrego, and it would be so embarrassing not to send him there.   And we'll break down the Supreme Court's recent decision in Olivier v. City of Brandon, a case involving a truly obnoxious street preacher that implicates your right to sue the government.   SUBSCRIBER BONUS:    The Trump administration is suing Harvard under Title VI, claiming that the school failed to protect Jewish students and must forfeit billions.   Widakuswara v. Lake I [DC Circuit] https://www.courtlistener.com/docket/72521013/patsy-widakuswara-v-kari-lake/   Widakuswara v. Lake [Trial Court] https://www.courtlistener.com/docket/69846584/widakuswara-v-lake   Widakuswara v. Lake II [DC Circuit] https://www.courtlistener.com/docket/72528662/widakuswara-v-lake/   District New Jersey Appointment Order https://www.njd.uscourts.gov/sites/njd/files/STANDINGORDER2026-03.pdf   Trump Suit Against Capital One Dismissed But Can Be Refiled https://finance.yahoo.com/news/trump-suit-against-capital-one-200454780.html    Trump v. BBC https://www.courtlistener.com/docket/72040010/trump-v-british-broadcasting-corporation   Trump v. Capital One https://www.courtlistener.com/docket/69853458/the-donald-j-trump-revocable-trust-v-capital-one-na   US v. Harvard https://www.courtlistener.com/docket/72520538/unites-states-of-america-v-harvard-university-fellows-and-president/   Abrego Garcia v. Noem (habeas petition) [docket via CourtListener] https://www.courtlistener.com/docket/71191591/abrego-garcia-v-noem/?order_by=desc   Zadvydas v. Davis, 533 U.S. 678 (2001) https://scholar.google.com/scholar_case?case=16478079160883986502   Kennedy v. Bremerton School Dist., 597 U.S. _____ (2022) https://www.supremecourt.gov/opinions/21pdf/21-418_i425.pdf   Olivier v. City of Brandon [US Supreme Court] https://www.supremecourt.gov/opinions/25pdf/24-993_10n2.pdf   Olivier v. City of Brandon (Appendix containing ordinance) [US Supreme Court] https://www.supremecourt.gov/DocketPDF/24/24-993/352124/20250314105732247_Olivier%20Pet.%20App.pdf   Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod

Yassine Diboun is a Portland-based ultrarunner and coach who found endurance sports during recovery from addiction. After signing up for his first triathlon in 2004 to bring structure to his life, he discovered a talent for running that quickly evolved into a career in ultramarathons. Since then, he has become one of the sport's most respected athletes, with top 10 finishes at Western States 100, multiple course records, and a place on the U.S. trail running team. Connect with Yassine:  Instagram Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® AeroPress Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Jason shares a personal story about how Capital One played a critical role in supporting his construction business. From helping build his personal credit to providing a substantial business line of credit, Capital One's support enabled Jason to scale operations, manage payroll, and take on larger projects, all while other banks struggled to provide the necessary resources. What you'll learn in this episode: Why small business-friendly banks matter in construction. How Capital One helped Jason build both personal and business credit. The dangers of relying on institutions that are slow or unresponsive. The role of financial partners in enabling business scalability. Lessons on credit management, lines of credit, and financial resilience. Have you ever struggled to get the right financial support for your business, even when you're doing everything right?   If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode. And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

Why do the same financial brands keep showing up inside ChatGPT recommendations while many traditional institutions barely appear at all?New research from EMARKETER found that brands including Capital One, Klarna, Coinbase, PayPal, and Discover consistently rank among the most visible financial companies in AI recommendations.In this episode of Banking Transformed, Jim Marous speaks with Tiffani Montez, principal analyst for financial services at EMARKETER, about what the AI Visibility Index reveals about consumer trust, digital marketing, and the changing dynamics of financial brand discovery.The discussion explores why fintechs dominate some categories while legacy institutions still lead others, how consumer behavior is shifting in the AI era, and what today's financial marketers may still be underestimating about visibility and relevance.#Banking #AI #DigitalMarketing #Fintech #ChatGPT #BankingTransformed

Episode 79: Show Notes Note: Video of this is available on Youtube/Spotify Summary Join Trevor Mountcastle and Tom Kim as we welcome Joe Petrovic to talk Japan explore the intricacies of booking Japan Airlines award flights, navigating ANA and JAL websites, and maximizing travel rewards for international trips. Our guest, Joe Petrovic, shares expert tips on award availability, transfer strategies, and cultural insights for Japan travel. Key Points From This Episode: 00:00 Introduction to Japan Travel with Joe Petrovic 01:25 Exploring ANA and JAL Booking Strategies 06:30 Understanding JAL Mileage Bank and Transfer Options 10:11 Experiences on Japan Airlines: Business and First Class 12:19 Domestic Flights and Unique Cabin Configurations 14:56 Traveling with Family: Cultural Interests and Experiences 15:40 Challenges in Award Availability and Fuel Surcharges 21:18 Connecting Itineraries and Alternative Routes 23:28 Cultural Integration in Japan Airlines Service 27:01 Luxury Offerings: Wine, Whiskey, and In-Flight Purchases 27:16 Exploring Japan's Travel Options 29:09 Osaka: A Gateway to Japan 34:09 Travel Tips for Japan 39:00 Currency and Payment Insights 42:17 Navigating Japan's Transportation System 49:39 Maximizing Travel Rewards 50:59 Personal Travel Experiences and Insights Resources Japan Airlines (JAL) - https://www.jal.co.jp/en/ ANA (All Nippon Airways) - https://www.ana.co.jp/en/us/ JAL Mileage Bank - https://www.jal.co.jp/en/jmb/ Finair Miles (Finnair) - https://www.finnair.com/us-en/awards Chase Ultimate Rewards - https://www.chase.com/personal/credit-cards/ultimate-rewards Capital One Miles - https://www.capitalone.com/digital/points-miles/ Marriott Bonvoy - https://www.marriott.com/loyalty/rewards.mi SmartEX App for Shinkansen tickets - https://www.smart-ex.jp/en/ Japan Web Immigration Portal - https://www.japan.travel/en/us/information/japan-web/ 7-Eleven Japan - https://www.sej.co.jp/ Suica Card - https://www.jreast.co.jp/e/pass/suica.html —---------------- Key Topics for Episode Discussion Post: Award booking strategies for Japan Airlines and partners Navigating ANA and JAL award availability and website quirks Transfer strategies for maximizing miles from Chase, Capital One, and Marriott Tips for booking domestic and international flights within Japan Cultural tips and travel hacks for Japan travelers Keywords Japan Airlines, ANA, award travel, miles, points, Japan, travel tips, airline awards, transfer bonuses, travel rewards

Devon Gimbel just booked over $250,000 in travel last year using credit card points—but she's the first to tell you award travel isn't "free." It's a strategy for 10x-ing your existing travel budget by strategically matching your routine spending to the right credit cards. Since ChooseFI's original Travel Rewards 101 in 2017, the landscape has matured: annual fees are higher, issuer rules are stricter, and new players like Bilt have revolutionized the game by letting you earn points on rent and mortgage payments. Yet the fundamentals remain: with deliberate card selection and an understanding of transferable points currencies, it's still entirely possible to unlock one to two meaningful trips per year—whether that's economy flights to national parks or first-class seats to Tokyo. Key Topics Discussed 00:00:00 - Introduction and State of Travel Rewards in 2026 Brad introduces Devon Gimbel and discusses how travel rewards have evolved since ChooseFI's first Travel Rewards 101 episode in 2017. They address whether earning significant travel value is still possible despite higher annual fees and stricter rules. 00:05:30 - The Evolution of Award Travel Community Devon reflects on how the travel rewards community has matured since 2013-2014, moving from a monotone focus on premium cabin travel to showcasing diverse travel styles including domestic trips, family travel, and national park adventures. 00:11:45 - Getting Started: First Steps for Beginners Devon outlines how beginners should approach travel rewards by analyzing their top spending categories and selecting one or two intentionally chosen credit cards with strong bonus categories rather than immediately pursuing dozens of sign-up bonuses. 00:16:20 - Sign-Up Bonuses vs. Everyday Spend Strategy Discussion of the balance between chasing new card welcome bonuses and building a sustainable credit card portfolio with strong category bonuses. Devon explains why a hybrid approach works better for most people than constantly opening new cards. 00:22:15 - Understanding Bonus Categories Deep dive into how credit card bonus categories work, why they matter, and how strategic matching of spending patterns to bonus categories can dramatically increase points earning without changing spending behavior. 00:30:00 - The Power of Flexibility Brad and Devon discuss various dimensions of flexibility in travel rewards including travel dates, destinations, airports, cabin class, and types of points currencies. They share contrasting examples from their recent Japan trips. 00:38:45 - Transferable vs. Fixed Points Currencies Devon explains the critical difference between transferable points programs (Chase, Amex, Capital One, Bilt, Citi) and fixed airline/hotel programs, comparing them to Visa gift cards versus single-merchant gift cards. 00:47:30 - The Rise of Bilt Rewards Discussion of how Bilt has emerged as a major transferable points currency, offering the ability to earn points on rent and mortgage payments while providing strong transfer partners that directly compete with Chase Ultimate Rewards. 00:55:00 - Credit Card Issuer Restrictions in 2026 Devon outlines how credit card eligibility rules have tightened, including Chase's evolving restrictions and once-per-lifetime language similar to American Express, emphasizing the importance of deliberate card selection. 01:02:15 - Calculating Travel Value and Points Redemption Devon shares her methodology for calculating the value of points redemptions using her family's Lufthansa first class trip as an example, discussing the difference between 'free travel' and maximizing travel budget value. 01:12:30 - How Devon Earns 6 Million Points Annually Transparent discussion of Devon's points earning including business expenses, mortgage payments through Bilt, quarterly taxes, shopping portals, and strategic use of bonus categories, with acknowledgment that her situation differs from average users. 01:22:00 - Partnership Strategy for Couples Devon expla…

Should I split a points transfer into smaller buckets? Frequent Miler reader Keith wrote in with this question:I tried to transfer 560K points to Air France to snag a redemption. had previously transferred about 280k points from Amex to KLM, I thought for sure the points would have similarly come through with Chase. Sadly, the points took 4 days to transfer, and I missed my booking window. Looking back, should I have spread my point transfers across different currencies to lower the transfer risk? I could have also covered the transfer using Capital One or Amex points. How do you balance speed with lowering the risk that your points will miss their intended purpose?We've been answering a reader or listener question at the end of each Frequent Miler on the Air podcast episode. Now, we've turned the question of the week into its own weekly episode. Tune in every Sunday at 5pm for our Question of the Week podcast. And if you have your own question you'd like to submit, you can send it to mailbag@frequentmiler.com.Mentioned in this episode:Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast Network

In the United States today, you can have your bank account closed, your credit cards cancelled, and your online payments revoked for any number of crimes, like funding terrorism, engaging in money laundering, or violating sanctions.Sensible, right? Well, you can also face financial ruin for teaching poetry.That's what seemingly happened to a Persian poetry teacher from Detroit whose accounts were flagged for “sanctions violations” because his students wrote “Persian classes” in their Venmo memos. There's also the story about the naked yoga practitioners who lost their payment processor for 60 days, forced to rebuild a subscriber list from scratch. And we can't forget the San Diego cannabis journalist cut off from Stripe—and from a paid Substack newsletter—because of the payment platform's rules that prohibit the promotion of the sale of cannabis.This is “financial censorship,” and it often happens when a bank, credit card provider, or payment app decides that a customer is too risky to serve. But “risky” doesn't always mean “illegal,” and when a major financial institution errs towards caution about what a customer is saying, advocating for, representing, or publishing, a lot of innocent people can be hurt in the process.That's what the digital rights activist Rainey Reitman learned in writing “Transaction Denied: Big Finance's Power to Punish Speech.” As Reitman explained about these hugely impactful decisions:“Even if they are well-intentioned, the financial systems can end up pulling in a lot of people that are not the actual target… Sometimes we talk about this as dolphins in the fishing lines.”These decisions are difficult to fight, frustratingly opaque, and nearly impossible to reverse. Compounding the problem is that that there aren't enough alternatives available for the financially censored to easily regain their freedom.The reality for hundreds of millions of people in this country is that about a dozen companies control all their finances. People mostly bank with Chase, or Bank of America, or Citigroup, or Wells Fargo. They mostly use credit cards assigned by Visa, MasterCard, American Express, or Capital One. And they mostly send money to one another and to small businesses using services like PayPal, Venmo, Cash app, and Square.For most people, these companies are supposed to operate in the background of their lives, providing reliable, secure financing to sustain and manage their livelihoods.In reality, these companies can become quite interested in what you say online, what payments you receive each month, and the locations those payments arrived from.Today, on the Lock and Code podcast with host David Ruiz, we speak with Reitman—who is also the president and a co-founder of the Freedom of the Press Foundation—about the real stories of those who have been financially censored, why financial companies cut off customers for legal speech, and how a single company's decision can create cascading consequences that feel impossible to fight.“They'd be locked out of Venmo, then they'd be locked out of PayPal—which is connected to Venmo—and then they'd suddenly lose their Chase Bank account. You could see that in a lot of instances, losing one form of access to the financial system, it could result in a pattern where they would be losing access repeatedly.”Tune in today.You can also find us on Apple Podcasts, Spotify, and whatever preferred podcast platform you use.For all our cybersecurity coverage, visit Malwarebytes Labs at malwarebytes.com/blog.Show notes and credits:Intro Music: “Spellbound” by Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/Outro Music: “Good God” by Wowa (unminus.com)Listen up—Malwarebytes doesn't just talk cybersecurity, we provide it.Protect yourself from online attacks that threaten your identity, your files, your system, and your financial well-being with our exclusive offer for Malwarebytes Premium for Lock and Code listeners.

Episode 174 of the Award Travel 101 podcast focused heavily on Hyatt's newly announced award chart changes and how travelers can adapt to them. Cameron Laufer and Mike Zaccheo explained that Hyatt is replacing its traditional fixed categories with a more dynamic five-tier structure across eight hotel categories, resulting in noticeable increases for many properties. Standard award rates are rising roughly 17–38%, while some peak pricing jumps could reach as high as 67%. Although a handful of properties decreased in price, far more increased, especially luxury hotels. The hosts discussed examples like Park Hyatt Siem Reap remaining at 15,000 points per night while Secrets Punta Cana increased slightly from 29,000 to 30,000 points. They also noted positives, including free night certificates remaining valid at top-tier pricing and expanded booking windows for elites and cardholders, while questioning whether Hyatt may quietly shift more nights into higher pricing tiers over time.The episode also covered several loyalty program updates and transfer partner changes. Hilton launched a summer promotion offering 2,000 bonus points for shorter stays and 4,000 for longer stays, while Kimpton introduced its seasonal secret password promotion. The hosts highlighted major transfer partner shakeups, including American Express removing Etihad as a transfer partner in the U.S. They also reviewed transfer bonuses ending soon, including bonuses from Amex to Hilton, Chase to Southwest, and Capital One to Qantas. In the “highlight post” segment, they addressed a listener frustrated with having 193,000 British Airways Avios, emphasizing that Avios become much more valuable when used through partner airlines such as Iberia, Qatar Airways, Finnair, American Airlines, and Alaska Airlines, while reminding listeners that Avios are easy to keep active with occasional account activity.The hosts wrapped up with personal trip updates and practical award travel advice. Mike shared several upcoming trips, including Napa Valley, Chicago, Milwaukee, and Paris, detailing how he pieced together premium cabin flights and hotel stays using a mix of American Airlines, Alaska, Air France, and Hyatt points. Cameron discussed rebooking a tour through a shopping portal for significant cashback and planning logistics for an overnight arrival in Athens after a long economy flight. The episode concluded with a “tip of the week” focused on organizing complex award itineraries using tools like spreadsheets and TripIt to track reservations, monitor schedule conflicts, and simplify “gardening” award bookings over time.Episode Links:Hilton Summer PromoKimpton Secret PasswordAmex drops EtihadHyatt ChangesWhere to Find UsThe Award Travel 101 Facebook Community.To book time with our team, check out Award Travel 1-on-1.You can also email us at 101@award.travelBuy your Award Travel 101 Merch hereReserve tickets to our Late Summer 2026 Meetup in Milwaukee now. award.travel/mke2026Our partner CardPointers helps us get the most from our cards. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card!Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.  

Bank of America is refunding annual fees for every Spirit credit cardholder and product-changing them into no-fee cards. Mark thought he found a hack in Choice Hotels' gas promo — until Choice's IT outsmarted him. Discover dropped the best welcome offer in its history: $200 after $500 spend, plus double cash back the first year. Then there's the Sapphire Reserve debate — when does pay-yourself-back make the annual fee worth it? What we cover: Spirit credit cardholders get annual fee refunds from Bank of America Choice Hotels gas promo: 8,000 points for a $50 card? Not so fast Discover's best-ever offer: $200 bonus + double cash back = five quarters of 5% Capital One acquiring Discover — could cash back become miles? Rethinking the Sapphire Reserve: when couponing actually works Pay Yourself Back at 1.25 cents and who should keep the card Schwab cashout strategy: turning Membership Rewards into cash Episode Guide: 0:00 - Welcome to MTM Travel 1:01 - Spirit Credit Card Update 5:47 - Choice Hotels Gas Promo 11:17 - Why Discover Card Right Now 16:13 - Rethinking the Sapphire Reserve 22:08 - Spouse Points & Wrap-Up ✈️ Track your travel credit cards for free

Joe Holder is a Nike Master Trainer and GQ fitness columnist with a track record of coaching elite athletes and high profile clients. Grounded in a background in health and wellness, he brings a practical approach to endurance training and overall fitness. His work spans marathon training, thru hike preparation, and strategies to support long term health and performance. Connect with Joe:  Instagram YouTube  Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® AeroPress Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Watch Us On YouTube! Announcing a new, ongoing benefit for annual subscribers of our Slack community. Annual subscribers receive a free Points Path Alerts subscription OR a 30% discount on Points Path Pro. A new credit card shows up, a new hotel status gets tested, and airline product delays keep dragging on. This week on Miles To Go, Ed and Richard break down Citi's rollout of the new American Airlines Globe Mastercard, including what happens when your existing Barclays card gets converted — whether you were planning on it or not. They take a closer look at the card's real value, including its ability to accelerate elite status, and whether the benefits justify the $350 annual fee. From there, the conversation shifts to Hilton's new Diamond Reserve status, as early real-world data points start to trickle in. Does it actually deliver better upgrades, or is it too early to tell? They also revisit Delta's ongoing seat certification delays, now stretching years longer than expected, and what that means for aircraft configurations and upgrade opportunities. Plus, a mix of travel updates — from World Cup logistics challenges to Uber dropping Discover cards — and a new personal travel goal that could reshape how Ed approaches trips going forward.  https://thepointsguy.com/hotel/reviews/hilton-elite-status-diamond-reserve-versus-diamond/  https://onemileatatime.com/news/delta-a321neo-flat-beds/ Get hydrated like Ed in Vegas with Nuun Use my Bilt Rewards link to sign-up and support the show! If you enjoy the podcast, I hope you'll take a moment to leave us a rating. That helps us grow our audience! If you're looking for a way to support the show, we'd love to have you join us in our Travel Slack Community.  Join me and other travel experts for informative conversations about the travel world, the best ways to use your miles and points, Zoom happy hours and exciting giveaways. Monthly access Annual access Personal consultation plus annual access We have witty, funny, sarcastic discussions about travel, for members only. My fellow travel experts are available to answer your questions and we host video chats multiple times per month. Follow Us! Instagram: https://www.instagram.com/milestogopodcast/ TikTok: https://www.tiktok.com/@milestogopodcast Ed Pizza: https://www.instagram.com/pizzainmotion/ Richard Kerr: https://www.instagram.com/kerrpoints/ ✈️  What We Cover in This Episode ✈️ Citi's AA Globe Mastercard rollout Barclays cards being converted automatically Key benefits and $350 annual fee Loyalty point boosts and status acceleration ✈️ Is the AA card actually worth it? Earning structure and flight-based bonuses Companion certificate timing Who this card makes sense for ✈️ Hilton Diamond Reserve status Early real-world upgrade data Why results may vary by property Whether it's worth chasing ✈️ Hotel upgrade realities How hotel systems handle elite tiers Why even top status isn't guaranteed What to watch for with confirmed upgrades ✈️ Delta's ongoing seat certification delays A321neo seat rollout pushed further out Why certification is taking years Impact on premium cabins and upgrades ✈️ Airline Wi-Fi frustrations Continued reliability issues Starlink vs legacy systems Why this still isn't solved ✈️ World Cup travel logistics in the U.S. High transportation costs Weak hotel demand in some markets Why fan experience may fall short ✈️ Uber drops Discover cards Payment network friction Implications with Capital One changes Rare move in the payments space ✈️ The "Five and Dime" travel goal 5 new destinations + 10 new routes per year Why it's harder than it sounds Cabo Verde as a potential play ⏱️ Timestamps  0:50 – Intro and opening banter 5:20 – AA Globe Mastercard conversion explained 9:30 – Is the AA card worth $350? 14:30 – Hilton Diamond Reserve early results 18:30 – Why hotel upgrades are inconsistent 22:00 – Delta seat delays stretch even further 25:30 – Airline Wi-Fi frustrations 28:30 – World Cup travel logistics issues 31:30 – Uber drops Discover cards 33:30 – "Five and Dime" travel goal  

In January 2026, Taryn Smith became the third American woman to row solo across the Atlantic Ocean, completing a 46 day Atlantic Ocean crossing in open water conditions. With no rowing experience beforehand, she leaned on a foundation built through world travel, the New York City Marathon, and summers exploring Idaho's Sawtooth Mountains. Website Instagram Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® AeroPress Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We talk a lot about the ultra-premium credit cards with expensive annual fees, but there are plenty of people interested in credit cards with more modest annual fees. Luckily, there are some great $95 credit cards that can be supplemented with fee-free cards for a great travel rewards strategy. Giant Mailbag(01:20) - Melissa writes in with a question about locking in Hyatt prices before May 20th(04:48) - Jonathan writes in offering a few key data points to update our Hyatt points advance article, which you can find hereCard News(08:48) - American Express adds $300 in ChatGPT credits on The Business Platinum Card® from American Express and American Express® Business Gold Cards(12:40) - See our updated resource for the best cards for Priority Pass hereCrazy Thing: Priority Pass Restaurants(16:04) - Priority Pass RestaurantsAwards, Points, and More(18:02) - Mastercard Launches Mastercard Airport Dining Experience (‘Taste By/Of Priceless' Airport Lounges)(22:13) - JetBlue and United Unlock Reciprocal Loyalty Benefits(25:51) - Read Nick's post about Citi Travel for rental cars here(30:49) - Read more about Sixt offering prepaid fuel for $49.99 for rentals in the US for Sixt ONE members here(34:31) - Points Path Pro now shows United discounted cardholder pricing(36:23) - Read more about how to keep airline miles and hotel points alive hereMain Event: Best $95 travel credit card combo(37:37) - We'll focus on which combination of credit cards might make sense for someone to use, but we'll stick to a $95 annual fee budget. We'll focus on transferable points and include cash back that can be converted to transferable points(40:27) - Capital One(42:21) - Chase(47:54) - Citi(52:03) - Wells Fargo(56:07) - Other considerations(1:01:05) - Best Mixed-Bank $95 Wallet(1:10:40) - Nick's pick for best $95 wallet(1:13:39) - Greg's pick for best $95 walletSubscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast NetworkFrequent Miler's Best Offers Pagehttps://frequentmiler.com/best-credit-card-offers/

Luxury isn't what it used to be. For Millennials and Gen Z, “premium” isn't just a status symbol—it's about seamless experiences and values-driven rewards. WSJ's Imani Moise sat down with Lia Dean, president of banking & premium products at Capital One, at the WSJ's recent Future of Everything event to discuss why the benefits in your wallet are changing, and what that means for your next trip or big purchase.Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Juice up your earnings with QCGC. https://qcgc.io/?ref=mtmv1 (sponsored)  MTM Detroit Meetup Tickets - https://mtm.zohobackstage.com/MTMTravelDetroit2026#/ Capital One is facing a lawsuit over canceled rewards, and Shawn and Mark get into the bigger problem with banks treating points like real currency when it helps them and funny money when it helps them. They also talk retention offers, when a card is not worth keeping even for free, and rank the major transferable points programs from worst to best. What we cover: Capital One being sued over allegedly canceled rewards after account closures. Why earned points should come with stronger consumer protections. How to compare retention offers against referral offers, credits and annual fees. Why no-fee cards can still be worth checking for retention offers. The Business Platinum changes, Dell frustration and when a credit stops mattering. Shawn and Mark's rankings for Amex, Chase, Bilt, Citi, Capital One and Wells Fargo. Why Chase has slipped, Citi has become more useful and Bilt may have the most interesting upside. Episode Guide: 0:00 Welcome to MTM Travel 0:21 Detroit event details and why in-person networking still matters 2:52 Capital One sued over canceled rewards 7:51 How to think about retention offers 11:16 No-fee cards can still have retention offers 13:25 Dell, Business Platinum credits and the breaking point 14:52 Ranking transferable points programs 16:15 Capital One vs Wells Fargo at the bottom 19:03 Bilt vs Citi and the middle of the rankings 19:45 Why Chase keeps slipping 23:07 Amex makes the case for number one 26:14 Mark's case for Bilt as the best program 29:15 Which programs are essential for most people? Links: Free newsletter Join our free Facebook group Diamond Patreon Gold Membership Subscribe on Apple Podcasts Miles to Memories website Capital One lawsuit - https://mtmdiamond.slack.com/archives/C0ACC849Z3J/p1778758564025649 Retention offers - https://milestomemories.com/american-express-business-platinum-retention-offer/  

Juice up your earnings with QCGC. https://qcgc.io/?ref=mtmv1 (sponsored)  MTM Detroit Meetup Tickets - https://mtm.zohobackstage.com/MTMTravelDetroit2026#/ Capital One is facing a lawsuit over canceled rewards, and Shawn and Mark get into the bigger problem with banks treating points like real currency when it helps them and funny money when it helps them. They also talk retention offers, when a card is not worth keeping even for free, and rank the major transferable points programs from worst to best. What we cover: Capital One being sued over allegedly canceled rewards after account closures. Why earned points should come with stronger consumer protections. How to compare retention offers against referral offers, credits and annual fees. Why no-fee cards can still be worth checking for retention offers. The Business Platinum changes, Dell frustration and when a credit stops mattering. Shawn and Mark's rankings for Amex, Chase, Bilt, Citi, Capital One and Wells Fargo. Why Chase has slipped, Citi has become more useful and Bilt may have the most interesting upside. Episode Guide: 0:00 Welcome to MTM Travel 0:21 Detroit event details and why in-person networking still matters 2:52 Capital One sued over canceled rewards 7:51 How to think about retention offers 11:16 No-fee cards can still have retention offers 13:25 Dell, Business Platinum credits and the breaking point 14:52 Ranking transferable points programs 16:15 Capital One vs Wells Fargo at the bottom 19:03 Bilt vs Citi and the middle of the rankings 19:45 Why Chase keeps slipping 23:07 Amex makes the case for number one 26:14 Mark's case for Bilt as the best program 29:15 Which programs are essential for most people? Links: Free newsletter Join our free Facebook group Diamond Patreon Gold Membership Subscribe on Apple Podcasts Miles to Memories website Capital One lawsuit - https://mtmdiamond.slack.com/archives/C0ACC849Z3J/p1778758564025649 Retention offers - https://milestomemories.com/american-express-business-platinum-retention-offer/  

Shane Schieffer is an endurance swimmer who spent more than 15 years dreaming of a full length swim of Lake Powell, the desert reservoir stretching from Utah into Arizona. In September 2025, he became the first person to complete it, covering 140 miles in 11 days while towing 215 pounds of gear. The route carried him through a remote landscape of sand colored canyons, rock formations, and isolated shorelines. Connect with Shane:  Instagram Explore the REI and Intrepid Travel collections Shop The North Face Universal Collection Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® AeroPress Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nikki Bettis turned a simple hike on the Appalachian Trail into an audacious plan to thru hike the entire trail with her fifteen kids, ranging in age from 4 to 21. As a single mom in rural Virginia facing financial and emotional strain, Nikki hoped the physical challenge and months spent outdoors together could help her family reconnect and find a way forward. Connect with Nikki:  Website Instagram YouTube Explore the REI and Intrepid Travel collections Shop The North Face Universal Collection Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® AeroPress Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.