Podcasts about Capital One

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

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.

Michael Tannenbaum became CEO of Figure in early 2024, taking over from founder Mike Cagney and leading the company through its September 2025 IPO. In this conversation, we get into the mechanics of how Figure's blockchain-based platform competes with Fannie Mae and Freddie Mac, what it actually takes to cut mortgage origination costs from $12,000 to $1,000, and where the real opportunities in tokenization lie.What We CoveredTaking over as CEO from Mike Cagney and the Big Rocks frameworkHow Figure describes itself: building the future of capital markets on blockchainThe B2B partner network and how it compares to Fannie Mae's functionCutting mortgage origination costs from $12,000 to $1,000 and 45 days to fiveWhy Figure competes directly with Fannie Mae and Freddie MacHow blockchain eliminates third-party diligence and prevents loan double-pledgingThe Figure Connect marketplace and its rapid growth since June 2024Where tokenization adds real value — and where it doesn'tYLDS: Figure's SEC-registered yield-bearing stablecoin and its role in capital marketsThe timing and mechanics of Figure's September 2025 IPOBuilding a rate-agnostic business across different macro environmentsThree growth areas: consumer mortgages, Democratized Prime, and on-chain equitiesKey TakeawaysFigure's origination platform and its capital market are the same system — you can't separate them, and that's the competitive moat. Tokenization only creates liquidity when the underlying assets are standardized and fungible; putting unique assets on a blockchain doesn't conjure buyers. The recent fraud cases involving double-pledged loans (Tricolor, First Brands, MFS) have turned blockchain's immutability from a skeptic's objection into a selling point. And Figure is running at what Michael calls the rule of 150 — 100% year-over-year growth at 50% margins — in one of the most rate-sensitive and entrenched markets on earth.About Michael TannenbaumMichael Tannenbaum is the CEO of Figure, a blockchain-based capital markets company he took public on Nasdaq in September 2025. Before Figure, he was an early executive at both SoFi (Chief Revenue Officer) and Brex (COO), and sat on the Brex board when it was acquired by Capital One. He began his career in investment banking at J.P. Morgan.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

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 this episode of Angular Plus Show, the hosts sit down with Doguhan Uluca, Director of Software Engineering at Capital One and Angular author, for a candid conversation about how AI is reshaping software development. From vibe coding, multi-agent workflows, and AI-assisted architecture reviews to token economics, open-source models, and the future of engineering careers, the discussion explores both the excitement and uncertainty surrounding AI in tech. It's a thoughtful, funny, and occasionally existential deep dive into where the industry may be headed next.Follow us onX: @DevLifePodcastX: @AngularShowBluesky: @theangularplusshow.bsky.socialThe Angular Plus Show and The DevLIfe Podcast are a part of ng-conf. ng-conf is a multi-day Angular conference focused on delivering the highest quality training in the Angular JavaScript framework. Developers from across the globe converge  every year to attend talks and workshops by the Angular team and community experts.JoinAttendXBluesky        ReadWatchStock media provided by JUQBOXMUSIC/ Pond5

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.

Spencer Schrage is an accomplished brand and business strategist who currently serves as the Managing Director of North America for M&C Saatchi Consulting, a role he stepped into in early 2026 to lead the agency's regional consulting division, focusing on brand repositioning and go-to-market strategies. Brand & Corporate Strategy: Throughout his career, Schrage has counseled numerous CEOs and executive leadership teams on major corporate transformations, rebrands, and transactions. He specializes in connecting brand identity directly to corporate growth strategy, purpose, and narrative development. Weber Shandwick: Prior to joining M&C Saatchi, he served as the Executive Vice President and Global Head of Consulting and Corporate Brand at Weber Shandwick. Ogilvy Consulting: For nearly a decade, Schrage was a Partner and Principal with Ogilvy Consulting, the strategy and innovation branch of the creative network. There, he managed the group and oversaw a high-profile portfolio of clients primarily in the financial services and fast-moving consumer goods (FMCG) sectors, including American Express, Capital One, Coca-Cola, Citizens Bank, and Robert Half. Early Career & Politics: Before transitioning into corporate consulting, Schrage worked in the political sphere. Notably, he served as the Head of Communications for the Port Authority of NY & NJ during the rebuilding of the World Trade Center, and as a chief fundraiser for Hillary Clinton's first presidential campaign. Schrage is a frequent commentator on modern marketing trends, particularly regarding how heritage brands can evolve without losing their core identity, and how companies must shift away from static "brand purpose" statements to better engage Gen Z and Millennial audiences. In recognition of his leadership in the business community, he was honored as a David Rockefeller Fellow by the Partnership for New York City in 2023. Core Expertise & Career HighlightsThought Leadership & Recognition

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/  

What if the decision that kills your lending business is one you made six months ago — and you just don't know it yet?Host Reggie Young sits down with Scott Bass, Managing Director at Ensemblex, the fintech lending and credit consultancy. Scott brings a rare combination of perspectives: he helped build Capital One's data-driven credit operation before it was a household name and was one of the first two Americans hired to launch Monzo's US business.Scott and Reggie cover what Capital One actually got right that most people miss, the lessons Monzo taught about building products that feel nothing like a bank, and the most predictable mistakes fintech founders make when building credit products. They dig into the six-month lag problem in lending, why being “light on the fin in fintech” is a slow-burning liability, and why Scott believes credit cards remain the most complex — and therefore most defensible — financial product a fintech can build. 

In this episode of Capital for Good we speak with Marla Blow, the president and CEO of the Skoll Foundation, the leading philanthropy focused on social entrepreneurship and innovation around the world. Over the course of this conversation, we learn how Blow's career in finance and financial inclusion, across the private and public sectors, would prepare her to lead a dynamic institution and community of innovators in this era of extraordinary change — and resilience.   We begin with important elements of Blow's origin story, including her childhood outside of Atlanta, a city (then) on the precipice of rapid growth, where she was drawn to the idea of helping people translate opportunity into long-term financial security. "I thought I could help people make better decisions," she said. That instinct would carry her to Wharton, Wall Street, an MBA at Stanford, and to Capital One, where she learned the discipline of applied behavioral economics and consumer lending. In the Obama Administration, Blow joined the Consumer Financial Protection Bureau, where she began to see more clearly the full landscape of American consumers — including those who were not well served by the traditional financial system or many of its products. That realization led her to found FS Card Inc to provide fairly priced credit to underserved consumers, an experience Blow describes as a "crash course" in entrepreneurship and the capital markets. Following the successful sale of FS Card, Blow helped lead Mastercard's Center for Inclusive Growth, where she was able to pursue financial inclusion at scale.   Blow speaks candidly about the extraordinary moment in which she assumed the CEO role at Skoll in 2025. The dismantling of USAID and broader cutbacks of support to and from multilateral finance institutions sent seismic shocks through the social entrepreneurship ecosystem that Skoll has supported since 1999. "I don't think any of us could have predicted that things would shift in this magnitude, or that they would shift this quickly," she says. And yet, Blow also describes with great admiration the resilience of individuals and organizations "that have been able to figure out how to pivot," efforts the foundation supported with a $25 million "pivot fund." Blow draws on the analogy of a forest of seemingly freestanding trees that are deeply interconnected beneath the surface. "It's the roots that enable them to transmit nutrients, to transmit information, to rebuild and regrow after absorbing and experiencing a shock," she says.   We also discuss a signature dimension of Skoll's work: the role of catalytic capital in driving impact. Today, approximately 80 percent of Skoll's endowment, managed in partnership with the Capricorn Investment Group, is aligned with the foundation's impact objectives in climate change mitigation and resilience, economic opportunity, health care, and responsible stewardship. Blow explains that these kinds of investments are not concessionary — their "financial returns continue to meet or exceed the performance of comparable asset classes" — and are exemplified by social enterprises like Apis & Heritage Capital Partners, a 2025 Skoll Award recipient that transitions small businesses to employee ownership – and has enabled main street workers to increase their net worth by a factor of ten.   We close with Blow's sources of optimism. They begin, she explains, with community — the cross-ideological partnership emerging across philanthropy, the private sector's increased engagement, the deep networks built over more than two decades of convening social entrepreneurs at the Skoll World Forum. "We are going through something, it's going to take a toll," she says. "And there is a light on the other side of it. We can continue working toward that light."   Mentioned in this episode: The Skoll Foundation Skoll World Forum Transformation and Renewal in the Impact Ecosystem, The Skoll Foundation 2026 Annual Letter Capricorn Investment Group Evolving Philanthropy for Collective Action, (Stanford Social Innovation Review, Blow & Gips, 2024) Apis & Heritage Capital Partners Consumer Financial Protection Bureau Mastercard Center for Inclusive Growth  

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.

We Like Shooting - Ep 662 This episode of We Like Shooting is brought to you by: Midwest Industries (Code: WLSISLIFE) Die Free Co. (Code: WLSISLIFE) Bowers Group (Code: WLS) Otis Technology (Code: WELIKESHOOTING15) Flatline Fiber Co (Code: WLS15) Text Dear WLS or Reviews +1 743 500 2171  Public   Show Titles   GOA GOALS Aug 1-2 in Iowa. https://goals.goa.org/ GunCon.net Tickets on sale now. Use code AGENCY171 GEAR CHAT [XTech Tactical] LDR2000 B1 The LDR2000 B1 is a magazine speed loader designed specifically for the Smith & Wesson Bodyguard 2.0 .380 ACP micro-compact pistol, addressing the stiff single-stack magazines' loading difficulties by making the process faster, easier, and thumb-friendly. It slips easily over factory or aftermarket .380 magazines, allowing users to load rounds smoothly with minimal effort using just a finger and thumb, while protecting magazine feed lips, preventing ammunition damage, and reducing hand strain. Key features include loading magazines in 30 seconds or less, compact and lightweight design for easy carrying, durable injection molded polymer construction, and a utility patent pending. [Mitchell Defense] DualCool CP1 Handguard (Nick) The DualCool™ CP1 Handguard is the first 3D-printed, dual-layer AR-15 handguard engineered for extreme thermal control, built with CP1 alloy and featuring an air-gap core that slows heat transfer to keep the outer shell cool longer and cooling faster between shots. It includes integrated grip texture 3D-printed into the alloy for maximum control without compromising M-LOK or Picatinny function, along with reinforced M-LOK slots and a full-length Picatinny top rail.0 BULLET POINTS PSA: You absolutely can get your EFT from those “services.” (Nick)   Note (Nick) Match Recap GUNDERWEAR Concealed Carry Underwear GUNDERWEAR is a patented underwear product designed to improve comfort for concealed carry, particularly appendix carry, by integrating padding as a barrier between the body and gun/holster. Developed by Tyler Abadie, it prevents rubbing, stabbing, and irritation during prolonged wear in activities like security work, driving, and daily tasks. Available for men and women, it has received positive feedback from civilians and professionals in law enforcement and military. GUN FIGHTS No one stepped into the arena this week. WLS IS LIFESTYLE Imported Story https://www.instagram.com/reel/DYHcS-OuFv1/?igsh=bjJhank2dG02dHJw GOING BALLISTIC Bergmann-Schoch v. Davenport: New Jersey's Hollow-Point Ammunition Ban Challenged Under Second Amendment A lawsuit in New Jersey challenges the state's prohibition on hollow-point ammunition as unconstitutional under the Second Amendment. Plaintiffs argue the ban creates a Catch-22 by allowing only full metal jacket rounds while denying the right to ‘military arms.' The state's motion to dismiss is rebutted, dismissing historical analogies as rooted in racial prejudice. Hawaii Legislature Adjourns Sine Die: Defeat of Anti-Gun Bills HB2062, SB2503, SB2517, SB2575, SB2576, SB2720 The Hawaii State Legislature adjourned sine die on May 8, 2026, resulting in the defeat of several anti-gun bills aimed at expanding red flag laws, funding gun buybacks, elevating penalties, broadening prohibited persons lists, and creating a firearm injury restitution fund. These measures raised due process concerns by potentially suspending Second Amendment rights via civil proceedings and imposing felony penalties without full evidentiary hearings. NRA-ILA credits NRA members and supporters for contacting lawmakers to secure this victory. NBC News Report on Kyle Rittenhouse Spider Bite (Kenosha, Wisconsin Case) NBC News tweeted about Kyle Rittenhouse's hospitalization from a venomous spider bite, framing his 2020 Kenosha, Wisconsin self-defense shootings as ‘opening fire at a 2020 civil rights rally.' The Bearing Arms article criticizes this as biased misrepresentation, omitting the riot context and Rittenhouse's acquittal on self-defense grounds. It argues this exemplifies media disinformation against gun owners and Second Amendment supporters. Mississippi DeSoto County Billboard: ‘Firing Squad Is Legal. Think Twice' A billboard in DeSoto County, Mississippi, next to I-55 warns would-be criminals that ‘Firing Squad Is Legal. Think Twice.' DeSoto County District Attorney Matthew Barton states it promotes aggressive prosecution of violent criminals entering the state. The message emphasizes that Mississippi does not coddle violent crime and firing squad executions are legal there. Harmeet Dhillon: The Term ‘Assault Weapons' Is ‘Just a Made-Up Category' Harmeet Dhillon describes ‘assault weapons' as a made-up category and epithet applied to effective and popular firearms like the AR-15. The term originated from Democrats in the 1990s for a federal ban from 1994 to 2004, which a study found did not reduce gun crime or violence lethality. Discussion references national federal policy and Denver's local ban. United Gun Shop v. Capital One and Melio (Maryland) United Gun Shop, a Maryland FFL gun dealer, filed a lawsuit against Capital One and Melio after being denied access to Capital One's bill-paying service, citing the business as a ‘restricted industry.' Payments worked from December 2024 until March 2025, followed by deplatforming and formal denial in March 2026. The suit invokes President Trump's August 2025 Executive Order ‘Guaranteeing Fair Banking for All Americans,' addressing discrimination against lawful firearm businesses. REVIEWS Review: A in your face 5 squares. I disagree what a lot of what they say, but damnit if I also dont find myself agreeing with a lot of what they say. Always entertaining, rarely boring, definitely infuriating – especially when Aaron digs in on something. And one of the few places where the advertisers are actually vetted, with actual use experience reviews, and honesty when things go down. Review: FedsRGay 5 stars. A sad sack Jew, a retard with anger issues, a man with a blownout Anus, a communist thumb and their slightly weird uncle from Colorado walk into a podcast studio. This is not a joke about the special Olympic's or the Democratic Party! This is the cast of the number one rated gun podcast on the firearms radio network! This dumpster fire is wildly entertaining and sometimes even educational. Occasionally they have cool sponsors on the show that seem slightly less retardy. Quality entertainment overall. I give it a solid 5 squares. PS: Jeremey is not a cunt. But AA ron is. PPS: I wrote this review once before but baguettes on iTunes didn't publish it. PPPS: no notes PPPPS: I love you guys, say it back Review: Anonymous Coward from Wisconsin I left a review Before we let you go – JOIN GUN OWNERS OF AMERICA We'd love if you supported the show, join Agency 171 at agency171.com. Lot's of prizes, rewards and kick ass swag. No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember – Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time! Nick – @busbuiltsystems | Bus Built Systems Jeremy – @ret_actual | Rivers Edge Tactical Aaron – @machinegun_moses Savage – @savage1r Shawn – @dangerousfreedomyt | @camorado.cam | Camorado

Turning Chaos into Systems: The 90-Day Growth Framework That Scales Any Business with Kathie Feng   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com  Make more, work less video: https://youtu.be/    What does it actually take to build a marketing system that drives predictable, sustainable revenue? In this episode of The Profit Answer Man, Rocky Lalvani sits down with Kathie Feng, founder of Signal Growth and fractional CMO with over 13 years of experience leading growth for Fortune 500 brands including Constellation Brands (Corona and Modelo), Pave (an a16z-backed fintech unicorn), Discover, Capital One, and Shiseido. Kathie breaks down the frameworks, strategies, and hard truths that separate businesses that scale from businesses that stall.    In This Episode:  Why most small business owners jump to paid advertising before answering the most important question about their product and audience  What the "winning triangle" of product fit, market fit, and pricing fit really means and how to use it before spending a single dollar on ads  How to build a customer feedback loop that validates your assumptions and identifies your true target audience  Why Meta and Google campaigns fail for so many entrepreneurs and what the real problem usually is  How to structure a test and learn strategy that gives your campaigns the best possible chance of working  Why the first two seconds of a Meta ad are the most critical and how creative structure directly impacts algorithm performance  How to evaluate a marketing agency before you hire one and what questions to ask to separate a polished pitch from proven results  What benchmarks and KPIs you should be holding your agency accountable to from day one  The difference between closing high ticket offers of $7,000 and above versus lower ticket offers under $2,000 and why the sales process should look completely different  How the consumer decision journey has shifted away from a linear funnel and what that means for how you show up across channels  What AI is doing to the content landscape and how founders can use it as a growth tool without losing the authenticity that builds trust  What a 90 to 120 day revenue framework actually looks like and what milestones you should expect within that window    Key Takeaways:  Start with the winning triangle before you advertise.   Build a customer feedback loop early.   Your Meta and Google campaigns need a structured test and learn approach.   The first two seconds of your ad determine everything on Meta.   Hold your agency to real benchmarks from day one.   Run a pilot before committing to a full scope of work.   Match your sales process to your price point.   The consumer decision journey is no longer linear.   AI is a tool that amplifies capacity, not a replacement for strategy.   A 90 to 120 day framework should produce measurable results.     About Kathie Feng:  Kathie Feng is a founder and Growth Architect who helps businesses turn momentum into market dominance.   With more than 13 years of experience leading growth for global brands, Constellation Brands (Corona, Modelo), Pave (a16z-backed fintech unicorn), Discover/Capital One, and Shiseido, she brings enterprise-grade strategy to founder-led companies ready to scale with clarity and intention.  Through her company, Signal Growth, Kathie and her team, with combined experience of 5 decades, engineer predictable revenue by installing the same data-driven, AI-powered frameworks used by Fortune 500 and multinational brands.   Her work blends systems thinking, consumer psychology, and operational discipline, giving founders access to the rigorous, scalable infrastructure normally reserved for billion-dollar organizations.  Her multicultural background—having been to 6 continents, 42 countries, and speaking 5 languages, shapes her ability to decode human behavior, refine messaging across cultures, and unlock deeper emotional resonance in markets crowded with noise. She believes growth isn't luck; it's engineered. And the right system transforms both the business and the founder leading it.  Kathie speaks on:  • AI-powered growth systems  • Modern-day growth funnel architecture  • Founder psychology and decision-making  • Consumer-centric positioning, messaging & behavioral strategy  • Building 90-day revenue engines  • Scaling without chaos or burnout    Links:  Website: https://signalgrowth.webflow.io/  LinkedIn: https://www.linkedin.com/in/kathiefeng/    Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page    Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman  Sign up to be notified when the next cohort of the Profit First Experience Course is available!  Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page   Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup  Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst  Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/  My podcast about living a richer more meaningful life: http://richersoul.com/  Music provided by Junan from Junan Podcast  Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.    

This week on That Tech Pod, Kevin and Laura talk with David Turner, Global Leader of Data & Analytics and Co-Leader of AI at FTI Consulting, about what it really means to operate at the center of data, AI, and high-stakes problem solving.David's career path might look straightforward, from Arthur Andersen to Capital One and then more than two decades at FTI, but he explains it was less about a master plan and more about finding the right environments and teams. Consulting, for him, became the place where he could continuously solve new, complex problems, often stepping in when companies are facing moments that feel existential.The conversation dives into AI quickly, cutting through the hype. David focuses on what actually works: real use cases, hands-on experience, and teams actively experimenting with tools. His view is that AI isn't something you can understand from a slide deck. It's a skill you build by using it, and the companies moving fastest are the ones sharing what's working internally. One of the biggest themes is how AI is reshaping the economics of consulting. If technology compresses time to insight, what happens to the billable hour? David doesn't see a clean break, but he does see a shift. Expertise becomes more valuable, and firms will need to get more creative with pricing, blending traditional models with outcome-based approaches depending on the work. They also spend time on risk, shaped in part by David's early experience during the collapse of Arthur Andersen. That moment reinforced that no firm is immune, and it continues to influence how he balances innovation with caution, especially in today's AI-driven environment. This is a grounded look at where AI is actually making an impact and where the real challenges still are.David Turner is the Global Leader of Data and Analytics and Co-Leader of AI at FTI Consulting, and now serves as the firm's Chief Technology Officer for client-facing technology. He works with executive teams on high-stakes challenges across investigations, litigation, compliance, and corporate transformation, helping organizations turn data into a real asset using advanced analytics and responsible AI. Over the course of his career, he's advised Fortune 500 companies, global law firms, and public sector clients, and has played a key role in shaping FTI's approach to AI and client-facing solutions.

In this third and final episode from Nacha's Smarter Faster Payments in San Diego, produced in partnership with LSEG Risk Intelligence, we bring together leaders from banking, fintech, compliance, and digital assets to unpack the most urgent challenges and biggest opportunities shaping the future of payments. Host Graham Barrett speaks with six more guests: 1/ Brian Holbrook, Director of Product Strategy and Integrated Services, LSEG Risk Intelligence 2/ Nanci McKenzie, Director, Treasury Management Payments Expert, Capital One 3/ Kevin Donoughe, Senior Vice President, Assistant General Counsel, Regions Bank 4/ Alex Treece, Co-Founder & CEO, Stablecore 5/ Brian Weide, Director of Treasury Management, DeNovo Treasury, LLC 6/ Marsha Jones, President, Third Party Payment Processors Association Together they explore how fraud is evolving, how regulation is catching up, and how financial institutions can build trust in a world of instant, irreversible money movement. Brian Holbrook, Director of Product Strategy & Integrated Services, LSEG Risk Intelligence on why Nacha's new fraud‑monitoring rules demand a shift from box‑ticking to true lifecycle risk management, and why impersonation fraud starts long before a payment is sent. Nanci McKenzie, Director & Treasury Management Payments Expert, Capital One on what it really takes to scale agentic AI in faster payments, the overlooked threat of pig‑butchering scams, and why policy and compliance must evolve before the technology does. Kevin Donoughe, SVP & Assistant General Counsel, Regions Bank on the legal and regulatory landscape for stablecoins, the impact of the GENIUS Act, and why banks must rethink governance, controls, and customer education in a 24/7 real‑time environment. Alex Treece, Co‑Founder & CEO, Stablecore on why stablecoins are at a crossroads, how banks are entering the space for the first time, and why trillions of dollars in future volume will depend on integrating digital assets into the traditional banking stack. Brian Weide, Director of Treasury Management, DeNovo Treasury on whether banks should charge for access to open‑banking data, the economics facing community banks, and why AI‑driven fraud detection is becoming essential for smaller institutions. Marsha Jones, President, Third Party Payment Processors Association (TPPPA) on the role of third‑party processors in securing the ACH ecosystem, the compliance pressures facing the industry, and how processors can strengthen trust across the payments value chain. From fraud escalation to regulatory clarity, from agentic AI to stablecoin adoption, this episode captures the most important conversations happening in U.S. payments today and what they mean for banks, corporates, processors, and consumers navigating an increasingly complex landscape.

Kris Kovac sits down with Austin Carroll, founder and CEO of Warrant, to discuss how AI is transforming marketing compliance for banks, credit unions, and fintechs. Austin shares her journey from leading marketing at companies like Brex, Mercury, and Capital One to building Warrant — a platform designed to help financial institutions streamline approvals, reduce regulatory risk, and move at startup speed without sacrificing compliance. Follow the Pod:https://twitter.com/fintechcombineFollow Kris Kovacs:https://twitter.com/ManagementByteshttps://www.linkedin.com/in/kriskovacs/https://www.instagram.com/kriskovacs/The Fintech Combine is Produced and Edited by Anson Beckler-JonesFollow Anson Beckler-JonesInstagram - @ansonandcoYoutube - @ansonandco

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.

What if every dollar you're already spending in your business could turn into first class flights and bucket list family trips, without touching after-tax money? I sat down with Eli Facenda on The Happy Hustle Podcast, and this one hit different. Eli is the founder of Freedom Travel Systems, known online as "The Travel Guy." He's helped over 1,000 entrepreneurs turn everyday business expenses into 50K+ dream trips and first-class experiences, all through credit card points. The guy once booked a $6,000 business class flight for $6. That moment changed his life, and this episode might change how you think about yours. Eli breaks down the three buckets of the points game: earning the right type of points (flexible bank points from Amex, Chase, or Capital One beat airline cards almost every time), optimizing your travel perks, and actually redeeming points at full value instead of leaving 80% on the table. He also covers how to put payroll, rent, and supplier payments on a card using third-party tools, earning massive points on expenses you never thought could count. Then there's the Freedom Flywheel. Business grows, spending increases, points stack up, and you fund tax-free family vacations without pulling cash from your company. And yes, points from business cards are coded as a rebate, so they're completely tax free. Eli also shares his Five P's Framework for turning any trip into a real core memory: People, Place, Purpose, Possibility, and Presence. It's the difference between a nice vacation and one you'll talk about for the rest of your life. For practical folks, he covers what to avoid, including credit score myths, why you only need two to five cards (not thirty), and how being flexible by even two or three days can save you millions of points on a booking. He's offering two free playbooks for the Happy Hustle community: the CEO Points Playbook and the Payroll on a Credit Card Playbook. Grab both at https://freedomtravelsystems.com/. Listen to the full episode at https://caryjack.com/podcast. What does Happy Hustlin' mean to you? Happy Hustle to me means you're building a business that gives you energy instead of takes it. You're doing it with people you love. You believe in what you do and you're getting to live a great life while you do it. Connect with Elihttps://www.facebook.com/eli.facendahttps://www.instagram.com/elitravelguy/https://www.linkedin.com/in/eli-facenda/https://www.youtube.com/@elifacenda Find Eli on this website: https://freedomtravelsystems.com/ Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a copy of his new book, https://www.thehappyhustle.com/book Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/ Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/ “It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!” Episode Sponsors: If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all night If you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF. =================================================================== My Green Mattress If you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress. It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night. If you're ready to invest in better sleep and better recovery, check it out at https://thehappyhustle.com/mygreenmattress =================================================================== Ozlo Sleep If you've been struggling to fall asleep, stay asleep, or just wake up feeling actually rested, let me put you on to something that's been a total game-changer: Ozlo Sleep. These aren't your typical sleep buds. They're designed to block out noise and help your brain fully relax, so you can drift off faster and stay in deep, uninterrupted sleep. Perfect if you're a light sleeper or just want that next-level rest. If you're ready to upgrade your sleep and wake up feeling recharged, check out https://ozlosleep.com and save $80 OFF using code HAPPY.

Pat Carino is VP of Development at NRP Group, one of the largest multifamily developers in the country, operating across more than a dozen states. He's also the founder of Dealnav, a simple map-based deal-tracking platform built for real estate operators who don't want a CRM with 47 tabs they'll never open.If you're a broker tracking deals in Excel, a developer running a market in Google My Maps, or anyone who's ever stared at a wall of CRE software and thought "I just want one good map" — this one's for you.

Are your marketing words actually moving the needle, or just taking up space? Discover how to transform your copy into a measurable growth tool with industry veteran Stephen Kimball. In this episode of The Daily Mastermind, host George Wright III sits down with copywriting legend Stephen Kimball to discuss the evolution of direct response copywriting. They dive deep into why high-level marketing strategy must always drive your message, especially in an era saturated with generic, AI-driven marketing. Kimball shares his insights on how to build authentic authority and why understanding human behavior is the secret to high-converting sales copy. Whether you are launching a new product or scaling a brand, this conversation reveals the subtle tweaks that turn words into profit. Key Takeaways:Why strategy is the essential foundation before writing any website or video copy. How to use AI as a tool without losing the "authority" that modern consumers demand. The critical distinction between ethical persuasion and high-pressure coercion. Why understanding a customer's daily pain is more important than technical features. Identifying "low-hanging fruit" like high-impact headlines and mobile-friendly layouts. Why your upsell and downsell flow is often the real key to business profitability. The power of incremental tweaks versus the mistake of starting over from scratch. 03:02 – Why a Copywriter Should Be Viewed as a Marketing Partner 04:30 – The Impact of AI on Content Quality and Market Authority 06:45 – The Art of Persuasion in a Competitive Ad Environment 08:45 – Common Mistakes Entrepreneurs Make When Launching Products 11:05 – The Three Core Pillars: Function, Audience, and Uniqueness 15:30 – Authenticity and the Rise of User-Generated Content (UGC) 20:45 – Strategic Tweaks: Headlines, Upsells, and Smartphone Optimization 24:30 – Establishing a Baseline to Stop Chronically Testing Without Direction Thanks for listening, and Please Share this Episode with someone. It would really help us to grow our show and share these valuable tips and strategies with others. Have a great day.George Wright III“It's Never Too Late to Start Living the Life You Were Meant to Live”FREE Daily Mastermind Resources:CONNECT with George & Access Tons of ResourcesGet access to Proven Strategies and Time-Test Principles for Success. Plus, download and access tons of FREE resources and online events by joining our Exclusive Community of Entrepreneurs, Business Owners, and High Achievers like YOU.Join FREE at DailyMastermind.comFollow me on social media Facebook | Instagram | Linkedin | TikTok | YoutubeGrow Your Authority and Personal Brand with a FREE Interview in a Top Global Magazine HERE.About the Guest: Stephen Kimball is a direct response copywriting expert with over 25 years of experience working with Fortune 500 companies like Capital One and Walmart. He specializes in helping brand owners sharpen their messaging and turn words into measurable business growth tools. Stephen acts as a strategic marketing partner, focusing on human behavior and buying habits to maximize profitability.Guest Resource:Website: SKcopywriting.comLinkedIn: https://www.linkedin.com/in/stephenkimb/

Marketing Insights host and Demarquis McIntyre, Pr & Earned Media Strategist at CapitalOne, explore how communications strategy operates when trust is the product. Blending industry insight with personal perspective, they discuss credibility, crisis management, earned media, and the growth needed to develop a strong professional voice.

In this episode of Wonderland on Points, we're breaking down what it means as Capital One begins moving some of its cards from Mastercard to Discover, and how that shift may affect international travel and card acceptance.We talk through which cards are still the most reliable abroad (including why Venture X remains a strong option). We also share practical ways to stretch your travel budget using apps like Fetch Rewards and Upside, and taking advantage of targeted offers from issuers like American Express.If you want to get more value from your credit cards, stay ahead of industry changes, and learn simple strategies to reduce your travel costs using points and rewards, this episode is packed with practical, actionable tips.Mentioned in this Episode:Mary Ellen's Fetch (Use code MARYELLEN!)Joanna's Fetch (Use code JOANNALYNN)Mary Ellen's Upside (Use code KV4QC)Joanna's Upside (Use Code JOANNA32944)Rakuten- Mary Ellen (Get 5000 AMEX or Bilt POINTS)Rakuten- Joanna (Get 5000 AMEX or Bilt POINTS)Find Us On Online:Sign Up for the Y! Wonder Travel NewsletterWonderland on Points Youtube ChannelMary Ellen | JoFacebook GroupAffiliate Links:CardpointersHalara (use code "Wonderland" for 10% off)Tobiq 15%Our Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!Keywords Capital One credit cards, Discover card acceptance, Mastercard vs Discover, Venture X card, travel rewards credit cards, points and miles, Airbnb gift cards, Rakuten cashback, Fetch Rewards app, credit card offers, American Express promotions, maximize travel rewards, budget travel strategies

Adventurer Garrett Gee turned a four month family trip in 2015 into The Bucket List Family, documenting world travel with his wife, Jessica, and their kids. What began as videos shared on YouTube and Instagram became a global family travel brand with millions of followers, built on experiences from shark diving in South Africa to hot air balloons in Turkey and biking through shrines and gardens in Japan. Connect with Garrett & The Bucket List Family:  Website Instagram YouTube Explore the REI and Intrepid Travel collections 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.

On this episode of the Live Greatly podcast, Kristel Bauer sits down with behavioral scientist and author Leidy Klotz to explore how your environment shapes your mindset, relationships, and ability to perform at your best. Drawing from his new book, In a Good Place, Leidy shares how the spaces we live and work in can either support or limit our growth, connection, and sense of purpose—often in ways we don't consciously recognize. Kristel and Leidy dive into how small shifts in your surroundings can create meaningful changes in your habits, confidence, and overall well-being. They also explore how your perspective and choices within different environments can influence how you show up in your work and life. If you're looking to elevate your energy, strengthen your relationships, and create conditions that support sustainable high performance, this conversation offers a powerful new lens. Key Takeaways: How your physical environment influences your mindset and behavior Why certain spaces spark connection—and others shut it down How navigating new environments can enhance learning and growth Ways to adjust your surroundings to support confidence and clarity The connection between space, perspective, and long-term success ABOUT LEIDY KLOTZ Leidy Klotz is a behavioral scientist and engineering professor at the University of Virginia who studies how and why humans design. He has written for the Washington Post, Fast Company, Scientific American, and Harvard Business Review; has published his work in top journals like Nature and Science; and has been interviewed on Hidden Brain, Freakonomics, Mindscape, and The Atlantic's How to Build a Happy Life. Klotz has advised clients ranging from the Departments of Energy and Homeland Security to CapitalOne and Amazon. Connect with Leidy   Website: https://leidyklotz.com/  LinkedIn: https://www.linkedin.com/in/leidyklotz/  Order Leidy's Book: https://www.hachettebookgroup.com/titles/leidy-klotz-phd/in-a-good-place/9780316567367/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the award-winning author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building. Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel's work has been featured in Forbes and she has had multiple TV appearances including NBC News Daily, ABC News Live, FOX Weather, ABC 7 Chicago, WGN Daytime Chicago and more. Kristel lives in the Chicago, IL area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Leidy Klotzis a behavioral scientist and engineering professor at the University of Virginia who studies how and why humans design. He has written for the Washington Post, Fast Company, Scientific American, and Harvard Business Review; has published his work in top journals like Nature and Science; and has been interviewed on Hidden Brain, Freakonomics, Mindscape, and The Atlantic's How to Build a Happy Life. Klotz has advised clients ranging from the Departments of Energy and Homeland Security to CapitalOne and Amazon.

Muere un conductor de Uber al ser detenido por la policía. CBP devolverá los aranceles pagados por importaciones. ICE ya no podrá entrar a viviendas sin una orden judicial. Demanda contra Capital One. Kylie Jenner enfrenta una demanda por parte de una de sus exempleadas. Ponte al día con lo mejor de ‘La Edición Digital del Noticiero N+ Univision' con Carolina Sarassa y Borja Voces.

In today's episode, we'll talk about Amex Platinum shutting down paths for earning Delta airline fee credits, Google Hotels adding price drop alerts, and all the many paths that still exist for free cruises in 2026.Main Event: Cruising for freeGiant Mailbag(01:07) - Greg gets corrected about Bilt point accelerator vs Rent Day...Crazy Thing: Capital One Shopping(03:27) - Capital One brings Gmail to a crawlRead more about the unfortunate Capital One slow gmail issue hereBonvoyed: Amex Airline Fee Reimbursements(08:48) - Delta tricks are deadRead our resource for Amex airline fee credits and what still worksAwards, Points, and More(13:15) - Google Hotels adds price tracking(17:02) - Melio (pay bills with credit card)Learn more about Melio here(19:01) - Chase Travel℠ Points Boost increased to 2.5cpp for a few select propertiesRead more about Chase Travel℠ Points Boost increase here(21:21) - Guide to booking Preferred Hotels with points (Updated)Find our updated resource for booking Preferred Hotels online here(25:24) - Tools for finding point-bookable events (auctions and buy it now)Visit the discover tools Pointsevents.com and Pointauctions.comMain Event: Cruising for free(29:33) - Learn more about cruising for free in 2026 here(30:44) - There are three main options for free cruises in 2026(31:08) - Land-based casino loyalty programs & matches(36:26) - Why do casino elite statuses matter for free cruises?(49:00) - Cruise line direct match opportunities for “free” cruises(1:07:09) - Gambling on board might yield a free cruiseSubscribe 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:Visit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/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

Shawn Porat is the founder and Chief Fortune Officer of OpenFortune — the media platform turning the humble fortune cookie into a high-impact PI marketing channel. With distribution across 30 countries and 300M impressions a month, OpenFortune has delivered viral wins for brands like Capital One, Duolingo, and even investor Gary Vaynerchuk — who calls it “the new Super Bowl ad.” If you think billboards are your only out-of-home option, think again. In this episode, Shawn shares the strategy, the science, and the stories behind turning a slip of paper into a marketing powerhouse. For more resources on how to dominate your market, visit us at Rankings.io. Listen to the full episode with Shawn Porat on Personal Injury Mastermind, powered by Rankings.io, below: Spotify Apple Podcasts Watch the Episodes On YouTube OpenFortune Website | LinkedIn If you like what you hear, hit subscribe. We do this every week. Buy tickets for PIMCON 2026: https://hubs.li/Q04bf9vT0  Subscribe to our newsletter: pimnewsletter.beehiiv.com Get Social! Personal Injury Mastermind (PIM) powered by Rankings.io is on Instagram | YouTube | TikTok

Cramer suggests holding on to this financial stock despite an earnings miss. Become an Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks every day as they talk candidly about the market's biggest headlines, analyst calls and holdings in the Charitable Trust – and see up close how they decide when, and if, to take action on stocks. Sign up here:  cnbc.com/morningtake   CNBC Investing Club Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Airport lounge access can completely change your travel day—but not all lounges (or credit cards) are created equal. In this episode, we're breaking down everything you need to know about getting into airport lounges, comparing lounge types, and choosing the right cards to unlock the best perks.We walk through the differences between lounges like Priority Pass, CapitalOne, Chase Sapphire Lounge and more; and which ones are actually worth your time. We also cover the best credit cards for lounge access, how families can take advantage of these benefits, and what to do when lounges are full or have long waitlists.From saving money on airport food to finding a quiet place to relax before your flight, we're sharing practical tips to help you get the most value from lounge access—whether you travel occasionally or all the time.Mentioned in this Episode:Comfrt.com 15% OFFOur Favorite Credit CardsFind Us On Online:Sign Up for the Y! Wonder Travel NewsletterWonderland on Points Youtube ChannelMary Ellen | JoFacebook GroupAffiliate Links:Rakuten- Mary Ellen (Get 5000 AMEX or Bilt POINTS)Rakuten- Joanna (Get 5000 AMEX or Bilt POINTS)CardpointersTobiq 15%Our Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!

In 2023, Dan Rubinstein completed a 1,200 mile stand up paddleboarding journey from Ottawa to New York City and back. His expedition followed rivers and waterways, turning a long distance paddle into a rare blue space adventure. Connect with Dan:  Website  Instagram Purchase Dan's book, Water Borne Explore the REI and Intrepid Travel collections 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.

Stephanie Aliaga of JPMorgan Asset Management joins on set to assess the market backdrop and where opportunities remain. Interactive Brokers Chairman Thomas Peterffy reacts to earnings and discusses trading trends and investor activity. United Airlines and Capital One reports add further insight into travel demand and consumer health. Henry McVey of KKR steps back to frame the big picture for markets and global investing. Plus, SpaceX's analyst day as it prepares for a monster IPO. Chad Anderson of Space Capital explains what it reveals about the future of the space economy and investment opportunities. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Leidy Klotz shares simple shifts for creating more spaces that improve well-being. — YOU'LL LEARN — 1) The three core needs that well-designed spaces meet 2) How to feel in control of spaces you can't control3) How to harness the “home turf” advantage anywhereSubscribe or visit AwesomeAtYourJob.com/ep1147 for clickable versions of the links below. — ABOUT LEIDY — Leidy Klotz is a behavioral scientist and engineering professor at the University of Virginia who studies how and why humans design. He has written for the Washington Post, Fast Company, Scientific American, and Harvard Business Review; has published his work in top journals like Nature and Science; and has been interviewed on Hidden Brain, Freakonomics, Mindscape, and The Atlantic's How to Build a Happy Life. Klotz has advised clients ranging from the Departments of Energy and Homeland Security to CapitalOne and Amazon.• Book: In a Good Place: How the Spaces Where We Live, Work, and Play Can Help Us Thrive• Website: LeidyKlotz.com— RESOURCES MENTIONED IN THE SHOW — • Study: “Location in negotiation: Is there a home field advantage?” by Graham Brown and Marcus Baer• Book: Shatterproof: How to Thrive in a World of Constant Chaos (And Why Resilience Alone Isn't Enough) by Tasha Eurich• Book: The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing by Marie Kondo• Book: The Power of Moments: Why Certain Experiences Have Extraordinary Impact by Chip Heat and Dan Heath• Past episode: 317: How to Form Habits the Smart Way with BJ Fogg, PhD• Past episode: 684: Achieving More by Tapping into the Science of Less with Leidy Klotz• Past episode: 1066: How to Thrive When Your Resilience Runs Out with Dr. Tasha Eurich— THANK YOU SPONSORS! — • Narwhal. Treat your home to spotless, fresh floors with us.narwhal.com/pete.• Monarch.com. Get 50% off your first year on with the code AWESOME.• Gusto. Get three months free when you run your first payroll with gusto.com/AWESOME• Shopify. Sign up for your $1/month trial at Shopify.com/better• Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's podcast episode, we'll watch as Capital One ventures into business, we'll discuss the best of the best award search tools, and we'll talk about how Wells Fargo is on the upswing.Giant Mailbag(01:00) - Nate has a tip to add to our Free checked bags via credit cards podcast Ep353Card News(04:41) - Capital One Spark Miles rebranded to Venture BusinessLearn more about the Capital One Spark Miles rebranding to Venture Business hereCrazy Thing: Choice Privileges(09:42) - Choice doubled points to Air France/KLM Flying BlueRead more about the Choice Privileges transfer bonus hereBonvoyed: AA(13:03) - AA bonvoys elite members flying basic economyRead more about American Airlines doing away with basic economy for elite members hereAwards, Points, and More(16:42) - We've updated our resource "Which award search tool is best?"Find our "Which award search tool is best" resource here(26:05) - Amex changes referral limits to 5 per year, per cardRead more about American Express' referral limit changes here(29:01) - Wells Fargo adds new transfer partner: Wyndham 1 to 2Read more about Wells Fargo's new transfer partner hereMain Event: Wells Fargo journeys forward(31:13) - Wells Fargo Rewards was a 3rd tier transferable points program(31:46) - That's starting to change...(32:46) - Wells Fargo Rewards advantages(34:09) - Transfer partners(37:22) - Wells Fargo rewards credit cardsLearn more about the Wells Fargo Autograph Journey℠ Card hereLearn more about the Wells Fargo Autograph℠ Card here(43:50) - Wells Fargo cash back cards(54:45) - WeaknessesQuestion of the Week(58:07) - Nick wonders... if Greg had the capacity to spend towards one single elite status, which would it be?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 – “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 NetworkVisit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/

In this episode, Rashmi Shetty, senior director of enterprise generative AI platform at Capital One, joins us to explore how the company is designing, deploying, and scaling multi-agent systems in a highly regulated environment. Rashmi walks us through Chat Concierge, a multi-agent chat experience for auto dealerships that handles intent disambiguation, tool invocation, and human handoffs to deliver safer, more personalized customer journeys. We discuss Capital One's platform-centric approach to AI agents and how it separates design from runtime governance, embedding policies, guardrails, and cyber controls across agent threat boundaries. Rashmi shares how the team approaches the developer experience for agent builders, observability, and evals for stochastic, multi-agent workflows; and strategies for model specialization, including fine-tuning and distillation. We also cover standards and abstraction, closed-loop learning from production telemetry, and key lessons for enterprises building agentic systems. The complete show notes for this episode can be found at https://twimlai.com/go/765.

Lauren Duke holds a master's degree in psychology focused on physiology and body based behavior, and studies how movement helps us process emotion. In 2023, she tested that work on a 535 mile Camino de Santiago hike across Spain with her family. The month long trek surfaced unresolved family dynamics, leaving no real option but to keep walking and stay in relationship. Connect with Lauren:  Website Instagram Listen to Lauren's Tedx Talk Vote for Wild Ideas Worth Living for Best Branded Podcast! Explore the REI and Intrepid Travel collections 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.

Welcome back to Earth, Artemis II crew! In honor of Christina Koch becoming the first woman to travel around the moon, we're rereleasing her episode from 2024.  What if you had an opportunity to travel around the moon? Christina Koch has worked at NASA for the last 10 years, and has been a part of groundbreaking missions in outer space. In 2019, Christina embarked on a 328-day stay on the International Space Station, setting a record for the longest single space flight by a woman. Now Christina has a new assignment on the horizon. She was selected to join a crew that will travel around the moon. Connect with Christina:  Instagram Christina's NASA bio  NASA Artemis Instagram Vote for Wild Ideas Worth Living for Best Branded Podcast! Thank you to our sponsors:  Capital One and the REI Co-op® Mastercard® Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

John John Florence is one of the most accomplished surfers in the world. After a 15 year career on the World Surf League Championship Tour, three world titles, and two Olympic appearances, he stepped away from competition to pursue a new wild idea: sailing around the world with his family. Connect with John John:  Instagram  Shop Florence Vote for Wild Ideas Worth Living for Best Branded Podcast! Explore the REI and Intrepid Travel collections 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.

If you've been transferring points to the same airline programs over and over, you might be missing out on one of the most fascinating but overlooked loyalty programs in the points world - Japan Airlines Mileage Bank.   Now that Japan Airlines is a direct transfer partner of Bilt, Capital One, and Rove, accessing this program is easier than ever. But given how new this is to many of us, you may not yet be familiar with its incredibly powerful sweet spots—both for flying on Japan Airlines operated flights and for booking flights on partner airlines.    In this episode, I'm joined by Michael Gandara from Nurse Michael Travels to break down how the Japan Airlines program works, highlight some of the best sweet spots for redeeming Japan Airlines miles, and talk about how to actually find and book those awards on the Japan Airlines website.   Michael and I discuss what makes this program different and powerful compared to other airline loyalty programs, walk through the practical realities of searching for award space, and cover the quirks you need to know before transferring miles. Whether you've been curious about Japan Airlines miles or you're ready to start using them strategically, this episode breaks down everything you need to know to start leveraging this program effectively.   Get full show notes and transcript: https://pointmetofirstclass.com/japan-airlines-miles-sweet-spots-strategy    Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of!    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  

2 hours and 3 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Final Four vs Arizona Starts at 0:51 Dave has a new nickname. Was this game... a let down? You could have maybe predicted that Arizona would struggle to score based on their over-reliance on twos. You probably could not have predicted that Michigan would put up over 90 points without Yaxel. Arizona was extremely physical which resulted in foul trouble, but when they got away with it they could score. Michigan forced Arizona into an ungodly number of two point jumpers off the dribble. They were 10-of-32 from mid-range. Arizona missing a dunk felt like the dagger. Michigan's maturity showed, they didn't seem blinded by the lights of the big stage. Elliott Cadeau had the greatest 2-of-14 half of basketball. Yaxel goes out the first time because of foul trouble and Arizona couldn't be more physical than Michigan's guards. Arizona has one way of playing that nobody else could stop, except for Michigan, and Arizona didn't know how to react. When shooting was tough, Trey McKenney stepped up. 16 points on 6-9 shooting, he has changed how we feel about mid-range shooting. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes and National Championship Preview - UConn Starts at 33:42 Takes hotter than ADAY MARA. Connecticut is #9 in Kenpom which feels like a relief, but they do have weird tournament joujou. That's better than having to play Duke at least. Michigan vs Tarris Reed for a national championship is crazy. Tarris has matured into a hoss and is their center, his backup, Eric Reibe, is a freshman and a drop-off but still a good player. They don't really play a second big. Alex Karaban is their second biggest player and he's been around college basketball for forever but he's a big wing. This is a game where Tschetter can play. Michigan can play two bigs and put one of them on Karaban but it might only be for 15-20 minutes of the game. Should Michigan make this into a shooting fest and maximize possessions? Tarris Reed is very difficult to ware out. Braylon Mullens is a freshman 6-6 195 lbs wing that Michigan can overwhelm. Silas Demery is a transfer from Georgia, the point guard, top 25 assist rate, top 100 steal rate. Gets to the line a ton, not that great from two. Solo Ball takes most of his shots from outside of the arc, he has also been seen wearing a boot. Expect UConn to show a lot of different coverages. How much Yaxel will we get? Expect it to be a Blake Corum vs Ohio State situation. He came to Michigan to play in this game so you gotta feel for him if he can't play much. UConn's biggest advantages are blocking two point shots and assists, which Michigan should be able to take advantage of. Their path to victory is to replicate what Purdue did in the Big Ten Championship game. Once again, the difference in this game will be Aday Mara. No Paul Szelc won't be officiating this game!  ADDENDUM - Solo Ball was reported as being in a boot while this was recorded. If he's not able to play that is a huge drop-off. Even if he plays he's not going to be 100%, much like Yaxel.  3. Hot Takes and Gimmicky Top Five Commercial Takes Starts at 1:20:48 You know AI companies are running out of money because they can't even get Snoop Dogg on their commercials. Charles Barkley will say anything. Has Jennifer Garner acted in anything besides Capital One commercials in the last decade? AT&T did predict the Michigan Tennessee game. Are they putting the cocaine back in Coke? Tall Boozer looks like a normal Boozer, small Boozer looks like an AI recreation of a Boozer.  4. Potpourri: WBB, Hockey, and Football Bits Starts at 1:34:22 Women's basketball was dumptrucked, but at least we now can empathize with all the teams that played MBB. The game has gotten two chalky; it's the same four one-seeds, repeats of the same games. Is there a ceiling on this team, unless they suddenly double the money they put into it? David's hockey takes: Denver is not like or MSU who's going to take the puck off your stick, and those are the teams that Michigan struggles with. He likes Michigan with four lines and snipers versus a smaller goalie—shot quality game. Brian hates that it's Denver in the tournament. Is there a team that's looked better than Michigan in the Playoff? Wisconsin-NoDak is a pick 'em but matchup-wise Wisconsin would rather be playing Michigan. North Dakota got walked to the Frozen Four. If we lose Seth has to wear Denver jersey to the podcast. Football bits: We're in the ping-pong table removal phase. It's okay that Underwood's throwing interceptions, because he's trying them. Non-insane QB run approach. Next QB is Carr. Hiter hype continues, Salesi Moa is popping. Eli Owens fullback talk. Brian doesn't buy the talk of Babalola starting when he's been hurt, but Sprague at RG can only mean that because Frazier is securing a spot. Defensively the DT situation is good on Palepale and not good that Lea'ea is "smart" vs "much larger." Seth loves the Edokpayi talk, Benny Patterson is a Mike-Mo. Kind of a good sign the three young LBs are getting a lot of talk (albeit with a simplification). Good sign that Bracy is getting talked up for his coverage. MUSIC: "The Wino I Know"—Jimmy Buffett "Ruby"—White Denim "Long Weekend"—Cut Worms “Across 110th Street”—JJ Johnson and his Orchestra