Podcasts about Capital One

Today I'm joined by Sanjiv Yajnik, President of Financial Services at Capital One. We cover why tech integrations are still the biggest challenge for F&I, how lenders are anticipating an EV market slowdown, why "6%" is the most important number in dealership leads and much more. This episode is brought to you by: 1. vAuto - As the industry's premier provider of end-to-end inventory management solutions, vAuto gives every dealer—from a single point store to the largest groups—the data, insights and tools they need to maximize returns from the new and used vehicle inventory investments. Known for its game-changing inventory management innovations, vAuto provides AI-powered predictive data science to help dealers see their future and consistently make the right, ROI-minded decisions with every vehicle they appraise, acquire, price and retail. Visit @ https://www.vauto.com 2. WarrCloud - Your warranty claims process shouldn't drain your profits—or your people. Our award-winning AI technology transforms OEM warranty processing, helping you capture every dollar you've earned. Dealers reduce costs, speed up reimbursements, and uncover new revenue opportunities—while consistently improving OEM claim scores. The future of fixed ops belongs to those who adapt. Let's talk about automating your warranty processing today by visiting @ https://warrcloud.com/get-an-analysis⁠ 3. Capital One – Many dealers believe digital tools can help boost sales. But early findings from a recent Capital One Auto survey revealed operational challenges dealers are still navigating and how trust is shaped. Listen for insights as to what's been uncovered and where the research is headed. Learn more: https://www.capitalone.com/cars/auto-financing/dealer Check out Car Dealership Guy's stuff: For dealers: Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Topics: 00:51 Last year's predictions: right or wrong? 02:21 What is the future of EVs? 04:51 Dealerships' role in the EV transition? 07:28 How does tech create transparency? 13:45 Biggest tech integration challenges? 16:37 How to improve the F&I process? 23:13 How do downturns impact dealerships? 29:00 Best dealership tech stack recommendations? 40:34 Top predictions for dealerships' future? Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

These recent bankruptcies have garnered close attention from the marketplace because they represent the very real possibility serious cracks have already weakened credit markets...to the point even the stock market (part of it, anyway) is taking a hard look. Ally, Bread Financial, Affirm, even Capital One, they've all see their stocks plummet. There's more here than it seems because of all the noise about share indexes and their own record highs. Everyone has ignored job losses, until now that is. Eurodollar University conversation w/Steve Van Metre----------------------------------------------------------------This is all exactly why Eurodollar University is holding a webinar on Tuesday October 14, at 6pm ET. To help you begin to unlearn the garbage that Economics has taught you and the financial media keeps repeating day after day after day. We're going to dive into the hidden story, really the hidden truth of interest rates to uncover the wealth of information they contain which is otherwise inaccessible to you and everyone else thanks to Economics and central banks. https://webinar.eurodollar-university.com/home----------------------------------------------------------------Bloomberg Subprime Credit Troubles Send Shares of Consumer Lenders Reelinghttps://www.bloomberg.com/news/articles/2025-10-03/subprime-credit-troubles-send-shares-of-consumer-lenders-reelinghttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

On this week's episode of the Best Ever CRE Show, Matt Faircloth interviews Amanda Cruise. In this fireside chat, they dive into Amanda's journey from a corporate career at Capital One to building a business around manufactured housing and mobile home parks, including her first “Lonnie deals” and lessons on affordability-driven demand. They compare mobile home parks to multifamily, highlighting financing differences, investor demand, and why the mobile home space has seen less distress. The conversation also branches into boutique hotels, self-storage, and the future of manufactured housing, with both hosts weighing in on scalability, investor pitfalls, and what asset classes still make sense in today's market. This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Podcast production done by ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 140 of the Award Travel 101 podcast, hosts Mike Zaccheo and Cameron Laufer cover a range of topics from heartwarming uses of points to travel industry updates and destination planning. They open with a moving story from a community member who used 18,000 AA miles to fly an old friend across the country for emotional support—highlighting how miles can offer more than just luxury travel. Mike and Cameron then discuss notable credit card updates, including new Capital One transfer partners like Qatar Airways and Japan Airlines (with a 30% bonus), and question whether the $895 Amex Platinum fee is worth it given the long list of credits offered. Transfer bonuses from Citi and Amex are also covered, and they touch on current promotions like Chase Freedom's Q4 5x categories.The main segment dives into Cameron's recent trip to the Dolomites in Italy. He provides a detailed rundown on how to get there using points and miles from various programs—highlighting Emirates' fifth-freedom JFK–Milan route, and Star Alliance partners like United and Lufthansa. For accommodations, they explore luxury hotel options using programs like I Prefer, Marriott, and portals from Amex, Chase, Citi, and Capital One. Ground transportation tips emphasize renting a car over relying on trains and buses. Cameron wraps up with Dolomites-specific advice like reserving parking at Tre Cime, getting to Seceda early, and hiking resources, making this episode both informative and personal.Episode Links:Capital One new Transfer PartnersCapital One To JAL Transfer BonusOther Transfer BonusesAmex Platinum DetailsChase Freedom Q4 5x CategoriesDolomites Points & Miles PostWhere to Find Us The Free Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. 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.

How can strong business fundamentals, cross-functional alignment, and a focus on planning drive sustainable growth in today's tech-saturated world?In this episode of The Hard Corps Marketing Show, I sat down with Brendan Leonard, President and Chief Revenue Officer at Crews & Co., to unpack the real drivers of business success. Brendan brings deep experience across sales, marketing, and leadership, having held roles at Samsonite, Hasbro, and Capital One, and shares why getting back to the basics is more important than ever, even in the age of AI and automation.We dig into the myth that technology can solve everything, and why chasing trends without a clear strategy is a major growth killer. Brendan reveals how setting structured goals, aligning your sales and marketing efforts, and fostering a culture of accountability and collaboration can significantly improve business outcomes. With practical takeaways and real-world examples, this episode is a must-listen for leaders looking to cut through the noise and refocus on what truly moves the needle.In this episode, we cover:Why AI is a tool, not a replacement, for business fundamentalsThe danger of chasing shiny objects and losing focusHow to align sales and marketing through shared goals and regular review cyclesThe power of structured planning: 3-year, 1-year, and 90-day goal settingIf you're ready to refocus your business strategy, realign your teams, and make smarter decisions in a tech-driven world, this episode is packed with insights you can apply immediately.

Marriott introduced the Outdoor Collection by Marriott Bonvoy—lodges and cabins—alongside a Marriott Bonvoy Outdoors platform that curates trips by activities like hiking and skiing, citing strong loyalty-member interest in outdoor travel. Capital One Travel's new head, Sarah Kaplan Moore (ex-Agoda B2B), signaled continued collaboration with Hopper while keeping options open on the portal's long-term model. At a Senate hearing, Frontier's Barry Biffle argued that “fortress hubs” and gate control stifle competition, urging measures to free up underused gates—while also calling for antitrust immunity for ultra-low-cost carriers. Connect with Skift LinkedIn: ⁠⁠https://www.linkedin.com/company/skift/⁠⁠ WhatsApp: ⁠⁠https://whatsapp.com/channel/0029VaAL375LikgIXmNPYQ0L/⁠⁠ Facebook: ⁠⁠https://facebook.com/skiftnews⁠⁠ Instagram: ⁠⁠https://www.instagram.com/skiftnews/⁠⁠ Threads: ⁠⁠https://www.threads.net/@skiftnews⁠⁠ Bluesky: ⁠⁠https://bsky.app/profile/skiftnews.bsky.social⁠⁠ X: ⁠⁠https://twitter.com/skift⁠⁠ Subscribe to ⁠⁠@SkiftNews⁠⁠ and never miss an update from the travel industry.

Rickey Gates is a professional athlete and endurance runner known for redefining what it means to explore on foot. After racing at an elite level, he ran 3,700 miles across America and later completed every street in San Francisco. Nearly seven years later, Rickey is tackling his latest challenge: identifying and running 50 Classic Trails across North America. His adventures go beyond distance—they are a way for him to explore, connect, and see the world in a whole new light.Connect with Rickey: WebsiteInstagramFifty Classic Trails of America website & InstagramTake the 5-minute Listener Survey!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.

In a special presentation of Smart Travel, learn what your points and miles are really worth in 2025 — and why the answer might change how you book travel. Should you take a $650 flight voucher or 32,500 miles? How much are your points and miles actually worth? Smart Travel hosts Sally French and Meghan Coyle break down the latest NerdWallet valuations to help you make smarter redemption choices. But first, they cover recent travel headlines, including Southwest Airlines' new partnership with EVA Air, Frontier's companion certificate promotion and status match, and JetBlue opening up award bookings with Condor Airlines. Then, travel Nerd Craig Joseph joins Meghan to discuss NerdWallet's latest airline, hotel, and credit card point valuations, with tips and tricks on comparing loyalty programs, maximizing transfer partners, and deciding when cash is more valuable than points. They also discuss the impact of devaluations, how close-in bookings can save you points, and why premium cabins can sometimes offer outsized redemption value. Plus: Craig's hot take on airport lounges. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: Is the Frontier Airlines World Mastercard Worth Its Annual Fee? https://www.nerdwallet.com/article/travel/is-the-frontier-airlines-world-mastercard-worth-its-annual-fee Citi Strata Credit Card Review: Solid Rewards for No Annual Fee https://www.nerdwallet.com/reviews/credit-cards/citi-strata  Citi Double Cash Review: A Solid Choice for Everyday Spending ​​https://www.nerdwallet.com/reviews/credit-cards/citi-double-cash  Citi Custom Cash Card Review: Low-Maintenance 5% Cash Back https://www.nerdwallet.com/reviews/credit-cards/citi-custom-cash  Citi Strata Premier: Big Rewards Across Top Spending Categories https://www.nerdwallet.com/reviews/credit-cards/citi-strata-premier  Is the New Alaska Atmos Summit Card Worth a $395 Annual Fee? https://www.nerdwallet.com/article/travel/is-the-alaska-airlines-atmos-summit-card-worth-its-annual-fee  Resources discussed in this episode: Airline Miles vs. Cash Calculator https://www.nerdwallet.com/article/travel/calculator-should-you-book-a-flight-with-cash-or-miles  How Much Are Travel Points and Miles Worth in 2025? https://www.nerdwallet.com/article/travel/airline-miles-and-hotel-points-valuations  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. In this episode, the Nerds discuss: points and miles valuation, airline miles value, hotel points value, credit card points value, Southwest EVA Air partnership, Frontier Companion Certificate, JetBlue Condor award booking, Citi American Airlines transfer, Amex Membership Rewards value, Capital One points value, Bilt points value, Hyatt points value, Hilton points value, Marriott points value, Wyndham points value, IHG points value, Alaska miles value, JetBlue points value, American Airlines miles value, United miles value, Southwest points value, Virgin Atlantic miles value, ANA miles value, Avianca LifeMiles value, best way to use Amex points, best way to use Citi points, best way to use Capital One points, use cash or points for flights, last minute award flight value, premium cabin redemption value, economy flight points value, airline devaluation, hotel point devaluation, cash vs points travel booking, when to transfer credit card points, how to maximize travel rewards, and NerdWallet points and miles calculator. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hosted by David and Nycci Nellis. On today's show:· Alyssa Taylor, Director, Brand + Consumer Marketing at Penguin / Random House Publishing. She's with us to discuss the upcoming Banned Books Week national celebration Oct. 5-11. The goal is to take action, save our stories, and preserve First Amendment rights by giving away free banned books to these communities and beyond; · Mike Curtin, CEO, DC Central Kitchen, is in with all the details of the annual Capital Food Fight, coming up Thursday, Nov. 6 at The Anthem! This year's celebrity guests include Amanda Freitag, Roy Yamaguchi, Eric Adjepong, Rocco DiSpirito, Ryan Zimmerman and our hosts Spike Mendelsohn and Tommy McFly; · Meghan Trossen, Senior Manager, Marketing & Community Affairs, Global Workplace Services, Capital One in to talk about the Capital One Center's signature programming, community partnerships and the upcoming festival; · Chef Daniel Perron is with us – he's formerly the Executive Chef at Charlie Palmer Steakhouse, Trummer's, and Whaley's. Now he has opened his own place. It's Locavore, a seasonal New American restaurant in historic downtown Fredericksburg; · Sam Nellia, head bartender at the Silver Lyan, a Rammy Award winner and, maybe even better, a recent selection to the prestigious North America's 50 Best Bars. They recently introduced a new cocktail menu, the result of months of research and tinkering, and he's in to mix up some samples of his good works.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hosted by David and Nycci Nellis. On today's show:· Alyssa Taylor, Director, Brand + Consumer Marketing at Penguin / Random House Publishing. She's with us to discuss the upcoming Banned Books Week national celebration Oct. 5-11. The goal is to take action, save our stories, and preserve First Amendment rights by giving away free banned books to these communities and beyond; · Mike Curtin, CEO, DC Central Kitchen, is in with all the details of the annual Capital Food Fight, coming up Thursday, Nov. 6 at The Anthem! This year's celebrity guests include Amanda Freitag, Roy Yamaguchi, Eric Adjepong, Rocco DiSpirito, Ryan Zimmerman and our hosts Spike Mendelsohn and Tommy McFly; · Meghan Trossen, Senior Manager, Marketing & Community Affairs, Global Workplace Services, Capital One in to talk about the Capital One Center's signature programming, community partnerships and the upcoming festival; · Chef Daniel Perron is with us – he's formerly the Executive Chef at Charlie Palmer Steakhouse, Trummer's, and Whaley's. Now he has opened his own place. It's Locavore, a seasonal New American restaurant in historic downtown Fredericksburg; · Sam Nellia, head bartender at the Silver Lyan, a Rammy Award winner and, maybe even better, a recent selection to the prestigious North America's 50 Best Bars. They recently introduced a new cocktail menu, the result of months of research and tinkering, and he's in to mix up some samples of his good works.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we'll talk about how Citi is showering us with transfer bonuses, then we'll talk about the incredible uses for Japan Airlines miles. Now that Capital One is making transfers available to Japan Airlines (in addition to Bilt, which has already been offering this), it's worth talking about what you can do with those miles!Giant Mailbag(01:42) - "I'm a YUGE fan of ya'll. I'm an Army National Guard member that puts in just enough active duty time to get Servicemembers Civil Relief Act benefits (waived annual fees). So I have so many luxury cards I get FAR more value from the cards than I do from my Guard paycheck.Ya'll have been a key factor in deciding to stay in the National Guard, so 'Thank You For Your Service'."100K Vacay Challenge Update(04:06) - By the time this airs, Greg will be heading to his destination for his Benchmark Trip. As a reminder, he's setting the bar for the rest of the challengers with a trip showcasing how far 100K Chase Ultimate Rewards points can go. (Once he's back, Tim, Nick, and Stephen will attempt to match or outdo his trip with alternate transferable points currencies.) Read more about that here!Card News(09:34) - Spirit Travel More credit card holders now get 2 free checked bags (Read more about this update here)(11:11) - Amex will exclude gift cards from Hilton credits starting in 2026(12:28) - Southwest debit card (Read more about the Southwest debit card here)Read the View from the Wing article here.Awards, Points, and More(14:42) - Air France / KLM Promo: Earn 10,000 bonus Flying Blue miles when flying from the US to any destination served by Air France or KLM.(18:16) - Avianca LifeMiles Award Sale(20:19) - Transfer bonuses(24:50) - Rove Miles transfer bonus (Use our referral link here.)(27:25) - Capital One added transfer partners and also has some transfer bonusesMain Event: Sweet-spot awards courtesy of Japan Airlines(30:18) - How to get JAL milesLearn more about the Best Uses of Japan Airlines Mileage Bank Miles here(32:01) - The Bad News(33:05) - Japan Airlines Mileage Bank 36-month hard expiration policy(34:30) - Family restrictions on award redemption(35:58) - Carrier-imposed surcharges(36:19) - JAL Mileage Bank awards can not be changed (but they can be cancelled for a reasonable fee)(36:56) - Best uses of Japan Airlines Mileage Bank(42:54) - Japan Airlines partner awardsQuestion of the Week(1:10:20) - Buying points isn't usually a good value unless you have a specific redemption in mind, but what about Atmos for 1.66 cents per point? (Especially with Rove miles?)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 Yoder

On today's show we have the HONOR of revealing THE 2025 Jingle Ball Lineup! Join John, Sos, Rose, Erick and Savera as celebrate our HOT 2025 Jingle Ball presented by Capital One lineup, We do an all NEW Batch of John's Little Secrets, Plus we give out Tennis Balls for your fur babies in celebration of CHUY Forever being #1 and #2 Worldwide!  All that and more with Intern John & Your Morning Show!   Make sure to also keep up to date with ALL of our podcasts we do below that have new episodes every week:  The Thought Shower Let's Get Weird Crisis on Infinite Podcasts 

In this week's Quick Hits, DeAndre Coke covers the newest developments in the points-and-miles world, with updates that impact both beginners and seasoned travelers. Mesa rolled out its first true 50,000-point sign-up bonus, rewarding new cardholders who hit the spend requirement, while still offering its signature 3X on home-related expenses and indirect points for mortgages. Chase Sapphire Reserve continues to evolve, adding flexibility to its credits, while Amex shut down the Hilton gift card workaround and boosted its Platinum welcome offers to as much as 300,000 Membership Rewards points. On the tools side, the Max FHR tool makes hotel credit redemptions easier, while the Card Pointers app launched its most significant update yet. Citi introduced new transfer bonuses, and Capital One expanded its transfer partners, providing travelers with more options for redeeming points for flights and hotels. The episode closes with listener Q&A, clarifying how Mesa works with mortgages and spending requirements.Key takeaways: Mesa 50k Bonus: New cardholders can earn 50,000 points with the Mesa card sign-up bonus.Mortgage Points: You cannot pay your mortgage directly, but Mesa gives indirect points when you report payments and spend $1k/mo.CSR Update: Chase Sapphire Reserve credits are now more flexible, adding more booking options.Amex Hilton Credits: Gift card loophole is ending, so credits must be used on eligible Hilton charges.Amex Platinum Offers: Elevated welcome offers up to 300,000 Membership Rewards points.Max FHR Tool: Helps identify the lowest-price Fine Hotels & Resorts dates for better value.Card Pointers Upgrade: A major update enhances usability, card recommendations, and Amex offer syncing.Citi Transfer Bonuses: Current promos include Avianca, Virgin Atlantic, and Turkish Miles & Smiles.Capital One Partners: Added JAL, Qatar Airways, and Preferred Hotels to its transfer lineup.Resources:Mesa Homeowner Card: New 50,000-Point Sign-Up Bonus OfferHyatt status for AA elites (register by October 31)Book a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)

Booking hotels through travel portals can be a brilliant points-saver, but there are also downsides to booking this way. In this episode I break down when portals like Chase Travel and Capital One beat transferring points to Marriott, Hilton or IHG, the risks of these bookings and the simple steps I teach my Families Fly Free members to mitigate any issues. We'll also cover the powerful Hyatt exception—why transferring Chase points to Hyatt often costs fewer points and avoids third-party headaches—plus real stories from listeners and my own trips.You'll learn:Why to compare portal prices vs. transfers in 2 minutes and pick the cheaper optionThe biggest pitfalls with third-party hotel bookings and how to avoid themMy confirm-confirm-confirm, validate-validate-validate strategyWhy Hyatt is the go-to sweet spot for fewer points and direct-booking peace of mindWant my swipe files, step-by-step Stay Free Formula™ and real-time help and community support as things keep changing? Join Families Fly Free to stretch your points further with fewer cards and less hassle, so your family can make more travel memories together: https://www.FamiliesFlyFree.com/join

Nadah Feteih spent years working as a software engineer before discovering a deep passion for the outdoors. As she ventured into running, trekking, and mountaineering, she often found herself as the only woman wearing a hijab on the trail. That experience led Nadah to found Ma'wa Collective, an adventure company dedicated to creating space for Muslim women in the outdoors. Connect with Nadah: WebsiteInstagramMa'wa Collective wesbite & InstagramTake the 5-minute Listener Survey!Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We find the coupon book trend fairly tedious and frustrating, but we've had to admit that American Express has sort of won this game by offering "coupons" and perks that are actually compelling. But since many of us don't really like the coupon book approach at all, does that make Capital One the winner since they haven't done much with the coupon book strategy at all? Capital One wins the coupon book wars by not playing(00:21) - Coupon Book Wars(04:08) - But many consumers don't want to play the coupon book game(04:28) - Capital One Venture X Rewards Credit Card (which you can learn about here) and Capital One Venture X Business Card (which you can learn about here)Visit 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 – Beach Walk by Unicorn Heads

In this custom episode from Fast Company Custom Studio and Capital One, you will learn best practices for how companies can help developers move up the stack, including how to reduce infrastructure management, embrace automation and AI-enhanced development, and equip developers with the right tooling. We'll discuss these best practices through the lens of how Capital One does it scale, and ultimately show how this focus powers modern, fully-managed software solutions in banking.

Today's guest is Andy Byrne, Founder and CEO of Clari. Clari is an AI-driven platform that transforms how financial institutions manage revenue operations and forecasting, turning complex data into clear, actionable insights for confident decision-making. Their platform delivers forecasts and enterprise-wide insights, giving financial institutions the predictability and confidence they need to drive growth at scale. Andy joins Emerj Editorial Director Matthew DeMello on the AI in Business podcast to discuss how predictive and generative AI are transforming revenue operations, particularly in financial services. Andy explains how revenue leaders are using predictive AI to increase forecast accuracy, identify risks, and improve shareholder value, while generative and agentic AI are beginning to automate sales workflows and reduce the burden of manual tracking. Together, they explore the hype cycle around agentic AI, where the failures are likely to emerge, and how financial institutions like Capital One and Charles Schwab are deploying these technologies today. Byrne also highlights the critical role of “revenue context” — understanding who did what, when, and with what outcome — as a foundation for scaling AI-driven revenue platforms. Want to share your AI adoption story with executive peers? Click emerj.com/e2 for more information and to be a potential future guest on Emerj's flagship' AI in Business' podcast! Join enterprise leaders at Emerj's Vision to Value AI Infra Summit to explore strategies for building, securing, and scaling AI infrastructure. Reserve your free spot today: emerj.com/infrasummit4. If you've enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show!

Episode 138 of the Award Travel 101 podcast opens with Angie Sparks and Mike Zaccheo discussing a highlight post from member Luis, who was abruptly shut down by Amex with over two million points at stake. The community debated the best redemption strategy—ranging from Delta (discouraged) to BA, Aeroplan, or spreading across multiple programs including Hilton. News updates included Capital One removing Priority Pass restaurant benefits from Venture X Biz cards, a Chase 20% Flying Blue transfer bonus, and Southwest rolling out free Wi-Fi for Rapid Rewards members. They also highlighted multiple transfer bonuses across Hilton, Marriott, and Virgin and reminded listeners of tools like the Transfer Bonus Calculator.The main topic centered on Hilton Honors, with Angie pointing out positives like Hilton's large global footprint, easy paths to status via co-branded Amex cards, and its uncapped free night certificates (FNCs)—which remain among the most flexible in the industry. Mike countered with drawbacks, noting significant devaluations in 2025, with standard awards now topping 250,000 points per night at premium properties. Benefits can feel weaker than other chains, particularly in the U.S. where breakfast is replaced by limited food and beverage credits and parking fees still apply on award stays. They reviewed Hilton's four credit card options, their earning rates, elite benefits, and statement credits, as well as the frequent buy-points promos and Amex transfer bonuses.The tip of the week covered how to generate and add an Atmos virtual card to Apple Pay using the BOA app, offering a workaround for those still waiting on their physical cards. Overall, the episode balanced community highlights, industry news, and a deep dive into Hilton's strengths and weaknesses for travelers navigating the ongoing devaluation landscape.Links to Topics DiscussedCapital One Venture X Business Eliminates Priority Pass Restaurant BenefitChase to Flying Blue Transfer BonusSouthwest Free WiFiHilton Honors DevaluationWhere to Find Us The Free Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. 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.

In 2021, Capital One agreed to pay a staggering $390 million penalty after U.S. regulators determined the bank had willfully failed to comply with anti–money laundering requirements. The investigation revealed that Capital One allowed millions of suspicious transactions to flow through its check-cashing operations between 2008 and 2014 without filing the necessary suspicious activity reports. These lapses enabled potential money laundering and other illicit financial activities to slip past the very safeguards designed to prevent them. The Financial Crimes Enforcement Network (FinCEN) described the bank's conduct as a serious breakdown in oversight, especially troubling for a major institution trusted with safeguarding the financial system.To contact me:bobbycapucci@protonmail.comsource:https://www.wsj.com/articles/capital-one-settles-with-fincen-over-anti-money-laundering-deficiencies-11610750699Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Watch Us On YouTube! This week, Ed and Richard discuss the latest travel topics of the week, including: Reflections on 9/11 Aviation fun at DorkFest Citi's new Strata Elite Credit Card, with 1:1 American Airlines transfers Hilton's crazy devaluation Wild brand shakeups at the Thompson brand Vegas sundry shop pricing An update on Ed's Capital One lockout 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/    

It's time for another Midweek Mini, and this week we are serving up a News Roundup Sandwich. From exciting new transfer bonuses to one painful devaluation, and one VERY exciting elevated offer -we're walking through the latest points and miles updates you need to know.We're breaking down the Capital One 30% transfer bonus to Virgin Atlantic, Citi's Wyndham bonus, Chase's Air France/KLM offer, and why the Amex to Hilton 25% transfer bonus might be the best play yet—especially if you're eyeing a spring break or summer getaway. Plus, we chat about when to move points, how to maximize fifth-night-free stays, and why Membership Rewards feel like a renewable resource compared to Chase Ultimate Rewards.Stay tuned, because this midweek roundup might spark your next big redemption.EPISODE SPONSOR30% off the CardPointers subscription!Find Us On OnlineMary Ellen | JoFacebook GroupWonderland On Points BlogAffiliate LinksChase/Capital One/Amex Card LinksFlyKitt- the BEST Jet Lag Solution!Tripiamo Driving TutorialsComfrt Hoodie 15% OFF!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!

Dorian Anderson was a neuroscientist and geneticist with a promising academic career when he made a radical shift: in 2014, he left the lab to pursue a year-long, cross-country birding adventure—on a bicycle. Pedaling nearly 18,000 miles across the U.S., his goal was to spot over 600 bird species while deepening his sobriety, and reconnecting with nature. Connect with Dorian:WebsiteInstagramDorian's book, Birding Under the InfluenceRegister for Camp Monsters LIVE in Denver, ColoradoThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Benchmade Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Christine Fruehwirth is the CEO and Founder of FlexCareers Consulting, and with more than 20 years of career counseling and life coaching experience, she helps college grads land jobs and stay-at-home parents return to the workplace. She's a passionate advocate for technology, and helps students and “re-launchers” alike hone their skills for the new “AI Age”, including creative problem solving and entrepreneurial skills. A former career consultant and instructor of a Career Management Strategy course at George Washington University, and most recently Georgetown University, developed an expertise in helping undergraduates of all majors recruit for and successfully obtain internships and full-time positions in the financial services industry, where she previously spent a decade focused on consumer and later investment banking at America, Capital One, Wells Fargo, and Lending Tree. Christine is also the author of Surviving Life's Storms and Thriving in the Aftermath.

What's on your mind? Let CX Passport know...Some call it doom and gloom for CX. Others say it's just evolving. But Mike Kendall isn't giving up on customer experience... he's rethinking it.From his early days helping define CX at Capital One to leading strategy at big brands and now advising through The Customer Lab, Mike brings a perspective forged by real-world change... and a drummer's rhythm.And yes, you'll want to hear the story of playing a 2000-year-old castle in Spain.5 first-class insights:Why CX sometimes feels like the uncool cousin of Product... and how to fix thatHow to create cross-functional trust without needing formal authorityWhat's really behind “CX is dead” chatterThe art of knowing your C-suite's secret agendaA fresh way to think about CX's role in driving shareholder, employee and customer valueCHAPTERS 00:00 Internal empathy... not just customer empathy 01:15 CX + product tension: why those teams drift apart 03:00 Technology gap and its role in CX's “identity crisis” 06:00 Finding your value in a product-driven world 08:50 Building trust across silos 11:00 Speaking the language of results 13:30 Mission over title... create value and then get the title 18:35 First Class Lounge – travel, paella, and brussels sprout rebellion 23:40 Is CX dead... or just evolving? 26:00 The C-suite pendulum: shareholder, employee, customer 27:30 Advice for early CX careers 29:30 Learn more about MikeGuest link: https://www.thecustomerlab.com/

What if your life's mission wasn't just about career success, but about teaching others how to love, lead, and transform? In this episode, Marcia Martin, one of the most prolific influencers of thought leadership in the last 40 years, shares her extraordinary journey as a pioneer of the human potential movement, Vice President of Erhard Seminars Training (est), and renowned transformational trainer and executive coach. Recognized worldwide for her work in transformational leadership, relationship coaching, communication training, and public speaking, Marcia has trained over 300,000 people in more than 20 countries. Her clients include Capital One, Warner Bros., InterContinental Hotels, American Cancer Society, Chase Bank, Allianz, McCain Foods, Evian Water, Danone Group, and Hard Rock International. From building est into a movement with millions of graduates to consulting for transformational leaders like Tony Robbins, Jack Canfield, and LifeSpring to managing the film shoot of The Secret – Law of Attraction, Marcia's story is one of influence, mentorship, and lasting impact. Knighted in 2012 by the Order of St. John of Jerusalem for her humanitarian contributions, Dame Marcia Martin continues to inspire leaders across the globe.   [00:02:25] Meet Marcia Martin Marcia's background in transformation and coaching. Her role in co-founding est and growing it from 30 people to millions worldwide. Becoming known as the “Godmother of Transformation.” [00:06:40] Mentors and Influences Learning from Werner Erhard, Buckminster Fuller, Jerry Weintraub, and others. How mentorship shaped her journey. Why she prioritizes mentoring future leaders. [00:10:15] Relationships that Changed Everything The profound impact of her aunt, Werner Erhard, and Buckminster Fuller. Why mentorship has been the cornerstone of her life and career. [00:14:58] Commitment and Breakthrough Goals Lessons from Werner on persistence and results. The “commitment game” — making breakthrough goals that stretch who you are. A powerful story of perseverance that led Marcia to sell encyclopedias even after being arrested — and still hitting her goal. [00:22:25] Mindset and Perspective How perspective shapes reality. Why abundance and scarcity coexist like the “old woman/young woman” optical illusion. Learning to manage the mind instead of letting it run wild. [00:27:40] Managing the Mind Why our minds are like unruly teenagers. Choosing empowering thoughts over self-limiting beliefs. Training yourself to create the results you want. [00:29:20] Marcia's New Book Sex, Power, and Transformation: The Untold Story of est and the Human Potential Movement. How est went from a 30-person seminar to millions of graduates worldwide. Her memoir of resilience, transformation, and rising from adversity. Key Quotes “My life's work is having your life work better.” — Marcia Martin “You either have a result or you have the reason you don't have the result. What kind of person are you?” — Marcia Martin “I don't need to be followed. I want to create people who can lead.” — Marcia Martin Connect with Marcia Martin Facebook LinkedIn Website   Thanks for tuning in! If you liked my show, please LEAVE A 5-STAR REVIEW, like, and subscribe! Find me on: Apple Podcasts | Spotify |  iHeart Radio | Stitcher

In this Quick Hits episode, DeAndre Coke dives into major updates shaping the travel and points space. He covers the scrapping of the U.S. flight delay compensation plan, explaining what protections travelers still have and why booking with the right credit card is more important than ever. The conversation also explores Emirates' new restriction, which bans children under eight from flying first class with miles, a move that has sparked controversy among family travelers. Additional updates include Alaska Airlines ending its LATAM partnership, Hilton Honors' third devaluation in less than a year, Hyatt Regency's new bonus points promotion, and key transfer bonuses from Amex, Citi, and Capital One. DeAndre also discusses the transition of the podcast community from Facebook Messenger to WhatsApp, highlighting the importance of staying connected with other travelers.Key takeaways: Flight delay compensation scrapped: U.S. travelers now only entitled to refunds if flights are canceled.Credit card protections matter: Booking with Chase Sapphire Reserve, Ink Preferred, Amex, or Capital One can provide strong trip insurance.Emirates first-class policy change: Kids under eight can no longer fly first class on award bookings.Alaska ends LATAM partnership: Also scaling back redemptions with Singapore Airlines.Hilton devaluation: Top properties like Waldorf Maldives now cost up to 250K points per night.Citi Strata Elite account freezes: Some applicants face 4506-C tax transcript requests before accounts are unlocked.Mesa Bonus Offer: Refer two friends to unlock a 50,000-point Mesa bonus after $10,000 spend in 90 days (plus 5,000 points per referral); remember, you must link your mortgage and spend $1,000/month to earn mortgage-linked Mesa points.Taxes on Credit Cards: Paying quarterly estimated taxes via Pay1040/ACI (≈1.75–1.85% personal; ≈2.9–2.95% business) can be worth it to hit SUBs and earn elite nightsHyatt Regency promotion: Up to 20K bonus points for stays through Nov. 23, booked via the Hyatt app.Community shift: Podcast group chat moving from Facebook Messenger to WhatsApp due to Facebook Group Chats being locked away.Resources:Our WhatsApp Community Group InvitationMesa Homeowners Card Review: Earn Points On Your Mortgage with CEO Kelley Halpin (Ep. 81)Can You Really Earn Points on Your Mortgage? Mesa Card Review blog postMesa Homeowners Card Referral LinkHyatt status for AA elites (register by October 31)Book a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our...

In this episode of The SaaS CFO Podcast, host Ben Murray welcomes Ananth Manivannan, founder of Resolvd, for an insightful conversation about building a SaaS solution that's shaking up healthcare operations. Ananth shares how his journey from supply chain management at PepsiCo to software engineering at Capital One laid the groundwork for Resolvd, a company dedicated to automating complicated, manual workflows in hospital systems. The discussion highlights how personal experiences—including his own family's encounter with the complexities of hospital supply chains—inspired Ananth to solve real-world problems with technology. He opens up about the realities of fundraising at the pre-seed stage, landing big-name investors, and winning hospital clients by delivering fast, value-driven pilots that avoid drawn-out sales cycles. Whether you're an entrepreneur, a SaaS enthusiast, or just curious about the future of healthcare tech, this episode is packed with candid advice on pricing models, scaling a nimble team, and navigating the unpredictable world of startup growth. Tune in to discover what it takes to bring transformative AI-powered solutions to one of the world's most challenging and impactful industries. Show Notes: 00:00 Resolving the Swivel Chair Problem 06:35 Vision and Execution in Fundraising 09:52 Visionary Pitching for VC Success 12:18 Accelerating Healthcare Sales with Results 16:39 "Rise of Consumption-Based Models" 19:39 Measuring AI Workflow Efficiency 21:39 Exploring Pricing Models 24:21 Expressing Gratitude and Well Wishes Links: SaaS Fundraising Stories: https://www.thesaasnews.com/news/resolvd-ai-raises-1-6m-in-pre-seed-round Ananth Manivannan's LinkedIn: https://www.linkedin.com/in/ananth-manivannan-775a24b7/ Resolvd AI's LinkedIn: https://www.linkedin.com/company/resolvdai/ Resolvd AI's Website: https://resolvd.ai/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

Join us with our first guest of the season: James Spivey from Capital One. James shares his career wisdom and insight on software engineering leadership.  More about SpiveyBluesky: @spivey.wtf‬Show Linkshttps://compassionatecoding.com/https://www.pragmaticengineer.com/https://tahahussain.substack.com/p/3-steps-i-took-to-stop-losing-myhttps://justin.searls.co/posts/full-breadth-developers/ Follow us on X: The Angular Plus ShowBluesky: @theangularplusshow.bsky.social  The Angular Plus Show is 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        ReadWatchEdited by Patrick HayesStock media provided by JUQBOXMUSIC/ Pond5

College Drive Center LLC, led by Oliver and Monica Montagnet, purchased a 47,000-square-foot retail center on College Drive in Baton Rouge for $6.8 million from Bright-Meyers Baton Rouge Associates, which previously bought the property for $10 million in 2003. The center includes Walmart as an anchor tenant and long-term businesses such as Office Depot and Sally Beauty. Earlier this year, Bright-Meyers sold Capital One and IHOP outparcels on the property for $5.2 million. The Montagnets also own other commercial properties in Louisiana, and the sale was brokered by Marcus & Millichap representatives Zach Taylor, Eric Abbott, and Steve Greer.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Jeska Clark is a human performance specialist who studies how people adapt to extreme environments such as high-altitude peaks, sub-zero temperatures, and the intense pressure of deep ocean dives. Her research combines scientific inquiry with personal experience, as she applies insights from her academic work to her own wilderness expeditions. A skilled outdoorswoman, Jeska has completed several ambitious treks and is now preparing to lead the first all Black team to the North Pole.Connect with Jeska: WebsiteInstagramFull-Circle website If you enjoyed this episode, listen to: Veteran Turned Everest Climber with Dom MullinsBikepacking Through History with Erik CedeñoClimbing Mountains & Making History with Philip HendersonRegister for Camp Monsters LIVE in Denver, ColoradoThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Benchmade

Most banks, including potentially yours, are falling into a dangerous trap. They're announcing AI initiatives, holding innovation showcases, and talking about digital transformation, but when it comes to measurable business results, 70% have nothing to show for their investment. The winners, like JPMorgan Chase, Capital One, and a few others, aren't just lucky. They've decoded a specific approach to talent, execution, and measurement that lets them turn AI investments into strategic advantages. Meanwhile, most are wasting budgets with little to show for it beyond PowerPoint slides. Today on the Banking Transformed podcast, we're joined by Alexandra Mousavizadeh, CEO of Evident, who has just released the most comprehensive analysis of AI outcomes in banking. Her team tracked 173 AI use cases across 50 major banks, and the data reveals a stark divide emerging in our industry. Alexandra will reveal which banks are already using AI to steal retail customers, how they're measuring real ROI, and most importantly, what retail banking leaders need to do differently in the next 12 months to avoid being left behind. If you're responsible for retail banking strategy, customer acquisition, or digital transformation, the next 30 minutes could determine whether your bank thrives or merely survives the AI revolution.

Generative AI and Agentic AI are now raising the stakes on how companies deliver customer value and innovate to stay one step ahead. Accelerating with AI comes down to the long game: technology infrastructure, data, and talent. This episode will focus on practical insights into how top enterprise leaders should approach AI for long term investment, including building a modern tech stack, creating enterprise platform capabilities, proprietary data and AI solutions, and building and cultivating world-class AI talent. These best practices will be shared through the lens of Capital One's AI journey. 

Send us a textAnne Marie Dougherty is the CEO of the Bob Woodruff Foundation, where she has led the organization from $4.3 million to nearly $40 million in annual revenue. With no formal business training, she built a high-performing, data-driven nonprofit by applying principles from the for-profit world and building long-term partnerships with companies like the NFL, UBS, and Capital One.In this episode, she shares how her identity as a military child, spouse, and mother informs the way she leads, why nonprofit organizations need to stop playing small, and how the Foundation is preparing for the evolving needs of veterans and military families in a changing world. We talk about building trust, addressing mental health, managing transitions, and why leading well starts with hiring the right team.Show NotesIn this episode, we discuss:Anne Marie's path to leading the Bob Woodruff Foundation and how she scaled it from $4.3M to nearly $40MWhy leaving the military is often more stressful than combat, and how the Foundation is working to ease that transitionHow she brought a business lens to nonprofit leadership without formal trainingBuilding long-term corporate partnerships by speaking the language of businessWhat she looks for in high-impact programs and how the Foundation uses data to drive funding decisionsWhy imposter syndrome shows up even in rooms she earned her way into—and how she manages itHow she built and manages a board of directors made up of top leaders across military, media, and financeThe growing mental health crisis among veterans, caregivers, spouses, and children—and what needs to changeThe importance of local networks, town-by-town coordination, and long-term infrastructureHer approach to leadership, team building, and personal sustainability as the organization maturesWhy the Foundation's agility and trust model allow it to respond faster than traditional institutionsContact InformationBob Woodruff Foundation Website: https://bobwoodrufffoundation.org LinkedIn: Bob Woodruff Foundation Instagram: @bwforg Facebook: facebook.com/BobWoodruffFoundationAnne Marie Dougherty LinkedIn: Anne Marie Dougherty Instagram: @ammdougherty--- Subscribe and ReviewIf you loved this episode, drop us a review, share it with a badass woman in your life, and subscribe to Badass Women in Business wherever you get your podcasts. Stay badass. Stay bold. Build it your way. Keep up with more content from Aggie and Cristy here: Facebook: Empowered Women Leaders Instagram: @badass_women_in_business LinkedIn: ProveHer - Badass Women in Business Website: Badasswomeninbusinesspodcast.com Athena: athenaac.com

Marlene and Dan Lin have been living on the road full-time for the past 17 years. Alongside their three children and two cats, they've driven across the U.S. multiple times, explored over 30 countries in Europe, and road-tripped from California to Patagonia via the Pan-American Highway. What began as a short-term adventure turned into a lifestyle they never anticipated—nearly two decades of life in a camper van. Connect with Marlene & Dan: InstagramYouTubeSubstackThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Benchmade

In this episode of Wonderland on Points, we sit down with Elizabeth Von Tersch from U.S. News & World Report to dive into the brand-new 2024 Best Hotel Rewards Program Rankings. We talk through what surprised us, what didn't, and what travelers like us can actually take away from the data.Elizabeth explains why Choice Hotels jumped from #4 to #1, what makes Wyndham stand out (including their all-inclusive options you can book with points!), and why our beloved Hyatt didn't take the top spot despite being first in our hearts. We dig into fixed award charts versus dynamic pricing, what's happening with Citi ThankYou Rewards and Capital One transfers, and why keeping a diversified points portfolio matters now more than ever.Of course, the conversation wanders into cruises — from Disney to Viking River Cruises — and Elizabeth even teases upcoming U.S. News rankings for the best cruise lines. We also swap Costco-versus-Aldi grocery hacks for maximizing points, talk about the elusive dream of a cruise loyalty program worth its salt, and hear where Elizabeth is headed next on points (spoiler: it involves pastries in Copenhagen).If you've ever wondered how to stretch your hotel points further, which programs are really delivering value right now, or just need inspiration for your next family trip, this episode is packed with insights (and plenty of laughs).Comfrt Hoodie Youtube ComparisonComfrt Hoodie 15% OFF!Facebook GroupWonderland On Points BlogFind Us On InstagramMary Ellen | JoAffiliate LinksCapitalOne Venture and Venture X LinksChase Sapphire Preferred LinksFlyKitt- the BEST Jet Lag Solution!30% off the CardPointers subscription!Tripiamo Driving TutorialsOur 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!

Jerry and Willie discuss NFL divisions, with Willie predicting "flat optimism" for the Jets (second in AFC East), Steelers to win AFC North, and Daniel Jones as Colts starter. He sees the Giants as a dark horse. C-Lo updates. Jerry now associates Jennifer Garner with Capital One. Willie regretted leaving something in a car. They play a "Dog/Daredevil/true story" clip for Willie. C-Lo shares audio of Jerry Jones on the Micah Parsons trade and Andrew Thomas on his foot injury. Willie explains why players avoid reporters. The Mets lost to the Marlins after a rough night. Suzyn Waldman enjoyed Dave Sims' call of Jazz Chisholm Jr.'s home run. C-Lo found a Chris Carlin Rutgers highlight. Finally, Jerry questions Micah Parsons' podcast and asks Willie to explain Raising Cane's and rank fast-food chicken chains.

The University of Chicago is laying off staff and making budget cuts, while growing legal costs are weighing on Northwestern. Crain's education reporter Brandon Dupré talks with host Amy Guth about the latest struggles for Chicago's prestige universities.Plus: With takeover complete, Walgreens' private equity owner installs Staples execs in top jobs, Capital One laying off 215 at former Discover headquarters in Riverwoods, Naperville apartments trade for $136 million in highest-priced suburban sale of 2025 and Chicago Amtrak routes see fastest ridership growth in the nation.

Libby DeLana began walking every day at age 50, while juggling her role as co-founder of an ad agency and parenting two teenage boys. What started as a one-month experiment became a 13-year streak of daily walks. Alongside walking, Libby embraced cold plunging as a way to reset her mind and body. These rituals helped her reinvent herself as an author, podcast host, model, and inspiration for others seeking clarity and transformation through movement.Connect with Libby: WebsiteInstagramOrder Libby's new book, Cold JoyThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Ocean Bottle

If there's one thing nearly every points traveler has done at least once, it's book a flight, hotel, or car rental directly through their credit card's online travel portal. With promises of 5x, 8x, even 12x bonus points, it can feel like the obvious choice. But as I share in today's episode, those tempting multipliers often come at a serious cost—and the reasons why may surprise you. In this episode, I walk through the top five reasons you should avoid booking through credit card travel portals like Chase, Amex, Citi, and Capital One. From losing out on elite status perks and upgrades to paying more for the same flights or hotel rooms, I reveal the hidden downsides that don't show up until it's too late. You'll also hear real-world stories from travelers who faced everything from missing reservations to costly rebookings—all because they used a portal instead of booking direct. Even more importantly, I'll explain how using your points through a portal can devalue them by 2–10x compared to transferring to partners. I share specific examples, including how I used Chase points with Hyatt for a $65,000+ stay that would have cost 3.6 million points through the portal. Whether you're new to points or have been booking this way for years, this episode will help you avoid costly mistakes and make smarter choices with your rewards. Turn your expenses into points and save tens of thousands of dollars a year on your wishlist travel. Don't miss out! Click here http://www.pointmetofirstclass.com/pointsmadeeasy to know more about my comprehensive online program, Points Made Easy. Enrollment opens on September 20, 2025 to September 27, 2025. Want to know what's really possible with your points? Don't just take it from me—hear from members who've used Points Made Easy to completely change the way they travel. From business class flights to dream vacations, their results speak for themselves. Watch their stories here - https://points.pointmetofirstclass.com/points-made-easy-success-stories

In this episode, Angie and April dive into travel hacks, promotions, and their unforgettable Italian adventures. They highlight a clever mileage-earning strategy from a listener who used a Capital One Shopping portal to rack up over 300,000 miles on a reimbursable business expense—underscoring the value of stacking credit card offers and shopping portals. Travel news includes JetBlue's launch of a full-service travel portal and new Florida routes from Long Island, United's Mileage Play promo, and fresh Capital One card offers. April also mentions ongoing promotions from Marriott Homes & Villas, Wyndham, and a status match opportunity via SAS and Scandic.The main segment focuses on Italy, where Angie and April share their luxurious, points-powered itineraries. Angie recounts her first major points trip, which included business class flights and mostly free hotel stays. Her group journey spanned Milan, Florence (with a Cinque Terre day trip), Rome, Pompeii, and Sorrento. April's recent trip featured Rome and Sardinia, where she stayed at the upscale 7Pines resort and enjoyed boat tours, live music, and gourmet pizza. She flew Volotea and Aeroitalia, noting the latter's new partnerships with major airlines like Delta and Qatar Airways. Both hosts offer rich travel tips for each destination—from climbing Florence's Duomo to sunset dinners on the Amalfi Coast—making this episode a treasure trove for anyone planning a dream trip to Italy. Links to Topics DiscussedUnited MilageP Play PromotionJetBlue's new Travel PortalCapital One Increased OffersWhere to Find Us The Free Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. 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.

Billboards, bus wraps, and TV ads are fighting for the same split-second of attention. But what if you could get your brand in front of someone at the exact moment they're relaxed, focused, and open to suggestion — without competing against 20 other lawyers in the same space? 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.”  For the first time, Shawn's team is inviting personal injury brands to join the party. In this episode, Shawn shares the strategy, the science, and the stories behind turning a slip of paper into a marketing powerhouse. If you think billboards are your only out-of-home option, think again. In this conversation, Shawn shares: Why 6% of fortune cookies get posted to social media (and how to make yours one of them) How Gary Vee called OpenFortune “the new Super Bowl spot” — and bought in Ways PI firms can connect without the hard sell — and still win cases The measurable tactics that turn a dinner table moment into long-term brand recall VIP PIMCON Tickets:  Pimcon.org Open Fortune Exclusive Discount: openfortune.com/pim  Get Social! Personal Injury Mastermind (PIM) is on Instagram | YouTube | TikTok

#242: Chris dives into the Capital One credit card lineup, breaking down earning structures for miles and cash back, exciting benefits, and redemption strategies. He also covers the best 2-card combo, transfer partners, important application rules, and more. Link to Full Show Notes: https://chrishutchins.com/capital-one-credit-cards-miles-guide Partner Deals Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Bilt Rewards: Earn the most valuable points when you pay rent Trust & Will: Get 20% off personalized, legally binding estate plans LMNT: Free sample pack of my favorite electrolyte drink mix Vuori: 20% off the most comfortable performance apparel I've ever worn For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Chris' Best Cards Page Capital One Cards Tier List Iceland Trip Venture Cards Capital One Venture Rewards Credit Card Capital One VentureOne Rewards Credit Card VentureOne Rewards for Good Credit from Capital One Capital One Venture X Rewards Credit Card Capital One Venture X Business Spark Miles Cards Capital One Spark Miles for Business Capital One Spark Miles Select For Business Capital One Savor Cash Rewards Credit Card Quicksilver Cards Capital One Quicksilver Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card Spark Cash Cards Capital One Spark Cash Capital One Spark Cash Plus Spark 1.5% Cash Select Business Card Capital One Spark 1% Classic for Business Platinum Mastercard® from Capital One Co-Branded Cards Williams Sonoma Key Rewards Visa Pottery Barn Key Rewards Visa west elm Capital One Credit Card The Key Rewards® Visa Capital One Resources Credit Card Pre-Approval Tool Eno® from Capital One® Capital One Shopping Capital One Dining Capital One Entertainment MLB™ Mondays at Capital One Café (Free Coffee) Blog Posts Why your credit card travel portal might be a poor way to book travel How to Get Approved for Business Cards How to Get MLB Tickets for 5,000 Miles How to book Vacasa Vacation Rentals with Wyndham points ATH Podcast Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo) Ep #236: Deep Dive on Amex Credit Cards and Membership Rewards Points Ep #240: Top Airline & Hotel Transfer Partners to Maximize Your Points with Greg the Frequent Miler Luxury Hotel Upgrade Program Airline/Hotel Transfer Partner Spreadsheet Membership: Join here Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (01:17) Quick Episode Overview (03:43) Capital One Venture Card (05:30) The VentureOne Card (06:46) Venture One Card for Good Credit (07:33) Capital One Venture X Rewards (08:17) Using the Capital One Travel Portal (12:27) Venture X Card Benefits (13:50) Capital One's Lounge Network & Access (18:44) The Venture X Business Card (24:06) Spark Miles Cards (26:29) Difference in Earning Miles vs. Cash Back Cards (27:13) Savor Rewards Card (32:15) Quicksilver Cards (33:57) The Spark Cash Cards (39:27) The No Reward Platinum Mastercard (40:11) The Four Co-Branded Williams Sonoma Cards (44:04) Capital One Perks: Virtual Card Numbers, Free Coffee & More (48:02) Online & Card-Linked Offers (52:11) Capital One Dining (52:42) Best Redemptions for Capital One Miles (54:08) Hotel & Airline Transfer Partners (57:49) Moving Capital One Miles (58:43) Important Rules to Keep in Mind (1:01:01) Quick Summary (1:03:10) The Best Two Capital One Card Combo Learn more about your ad choices. Visit megaphone.fm/adchoices

Albert Lin is a renowned explorer, scientist, and storyteller. He is best known for his role as the host of multiple National Geographic programs. Together with his team, he uses advanced technologies such as satellites, drones, ground penetrating radar, and cutting edge LiDAR to uncover ancient civilizations around the world.Connect with Albert: WebsiteInstagram Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® Terns — used code “WILD” at checkout to receive 25% off your first order.

Zach Noorani, Partner at Foundation Capital, shares hard-earned insights from more than a decade in venture capital. He talks about why the most important question investors wrestle with is differentiation, why authentic conversations with founders matter more than polished pitches, and how the best founders demonstrate velocity of learning. Zach also reflects on the evolving nature of venture—how the industry has become more professionalized, what excites him about the new wave of innovation, and why empathy and due process matter in society as much as in business.In this episode, you'll learn:[01:40] From Salem to Stanford to Silicon Valley: Zach's journey into venture capital[03:38] Why venture is a “blank canvas” and not a zero-sum game[05:46] Foundation Capital's early-stage focus and Zach's typical check size[06:58] “There's no time too early”: When founders should reach out—and what Zach looks for[09:43] What really happens in the first meeting (and why it's about participation, not just Q&A)[12:54] Should founders ditch the pitch deck? Zach's advice might surprise you[16:40] The Push Cash story: How one founder showed true differentiation from day one[19:34] Why Zach says no—even after initial interest—and what makes a $10B story possible[22:42] How venture has professionalized—and why AI brings back the excitementAbout Zach NooraniZach Noorani is a Partner at Foundation Capital, where he invests in early-stage fintech and enterprise startups. With over 14 years of experience in venture capital, Zach has a background that spans corporate VC at Capital One and a passion for supporting founders who demonstrate velocity of learning and unique insight. Based in Los Angeles, Zach focuses on inception-to-Series A companies and has led investments in several innovative fintech ventures.About Foundation CapitalFoundation Capital is a Silicon Valley-based venture capital firm with over 30 years of experience backing early-stage companies. The firm partners with founders from inception through Series A, providing hands-on support to help build transformative businesses. Foundation Capital's portfolio includes category-defining companies across fintech, enterprise, and emerging technologies.Subscribe to our podcast and stay tuned for our next episode.

Title: Travel Like a Billionaire: The 90% Off Secret to a First-Class Lifestyle with Eli Facenda In this conversation, Eli Facenda shares insights on maximizing travel experiences through strategic use of points and credit cards. He discusses his nomadic lifestyle, the entrepreneurial journey that led him to travel hacking, and the importance of understanding the value of different points systems. Eli emphasizes the need for a structured approach to travel, focusing on maximizing points, optimizing travel upgrades, and effectively using credit cards to enhance travel experiences. The discussion also touches on the significance of having a clear strategy for business owners and how to navigate the complexities of travel rewards. In this conversation, Eli Facenda shares his expertise on maximizing travel experiences through strategic use of points and credit cards. He discusses the importance of community in travel planning, innovative solutions for entrepreneurs, and his personal journey in the travel industry. Eli emphasizes the significance of experiential wealth and actionable steps listeners can take to enhance their travel experiences. Links to Watch and Subscribe: https://youtu.be/c7QqSscsajc Bullet Point Highlights: Seth and Eli kick off with casual banter about van life, audio gear, and the nomad lifestyle. Eli shares his background going from broke entrepreneur to travel-hacking expert. He explains how he got obsessed with using points after a free trip to Thailand changed his mindset. Eli now helps entrepreneurs take $20K–$50K luxury trips for 90% off using credit card points. His 3-part system includes maximizing points, optimizing travel perks, and redeeming for bucket-list trips. He gives a real-world example of booking a $20K ANA business class flight to Japan for just $12. Seth dives into a real-life org structure and Eli explains how points flow to the guarantor, not the LLC. Best practice: 2–3 business cards and 2–3 personal cards tailored to your biggest spend categories. Eli introduces his new “DreamTrip Alert System” that delivers full trip itineraries at massive discounts. In the Million Dollar Monday segment, Eli shares how he made, lost, and remade his first million. His next million will come from scalable digital products and a wider reach through content and community. What makes Eli top 1%: He walks the walk, traveling the world and running a business around it. His #1 tip: Pick your dream trip, put it on the calendar, and commit, then let the how figure itself out. Transcript: Eli Facenda (00:00.059) What's up, Seth?   Seth Bradley, Esq. (00:01.43) Yo, what's going on, brother?   Eli Facenda (00:03.237) How we doing, man? How we doing?   Seth Bradley, Esq. (00:05.141) Excellent man, what's happening?   Eli Facenda (00:06.893) Not much. you, how's the audio coming through here?   Seth Bradley, Esq. (00:11.032) Sounds good, sounds good.   Eli Facenda (00:12.547) it clean? Okay, because I'm, it's basically we're in the middle of a Nomad trip here, so I normally have like a, like a shirt mic like you have, but on the road I haven't had, so I haven't had to test this yet, but I figured the DJI's are pretty solid, so I wanna make sure it's actually coming through decent.   Seth Bradley, Esq. (00:16.962) Okay.   Yeah.   Seth Bradley, Esq. (00:26.732) Nice. Yeah, no, it sounds good. Sounds good, man.   Eli Facenda (00:29.425) Okay, cool, awesome. Awesome Dave, we'll get to connect with you.   Seth Bradley, Esq. (00:33.802) Yeah, brother definitely, so I don't butcher it. How do you pronounce your last name? Facenda, okay, cool. Cool Awesome, man. Yeah, we've we've crossed paths on social media. I think or maybe our va's have crossed paths who knows   Eli Facenda (00:39.077) for sender. Yep, yep.   Eli Facenda (00:47.663) Yeah, think that was where, yeah, think we were initially connecting, yeah, totally. Instagram, I think, was the place. Yeah. Because you're out in California, right? Nice, I'm in West Palm right now. And I mean, normally based in Austin, but we're in the middle of a like, six to eight month nomad adventure. And so we are, we're on the road here, and we go to Europe in a few weeks for like the next several months.   Seth Bradley, Esq. (00:53.42) Yeah, nice, nice, where you at right now? Yep, San Diego.   Seth Bradley, Esq. (01:10.446) Sweet dude.   Seth Bradley, Esq. (01:17.166) That's awesome dude, awesome, awesome. Love it man, that's a long time. So we did last May we did, man it's been like a year, geez. We did like 30, 33 days in a van trip. So we took our van up through Wyoming into Montana and into Canada. That was a long time for us, but 68 months. Right, yeah.   Eli Facenda (01:18.117) Yeah. Yeah. Thank you, man.   Eli Facenda (01:33.455) Nice.   Eli Facenda (01:37.465) sick. Yeah, well vans are intense too. You know, I haven't done van life but my fiance, she did that before and it was like a lot for her. But yeah, so totally depends on the way you're traveling as well. Yeah.   Seth Bradley, Esq. (01:47.266) Yeah.   Nice, nice. Cool, man. Just give you a quick rundown. our audience, my audience is typically, so it used to be passive investors, right? So it used to be the passive income attorney podcast. I think when we might've tried to schedule before and that was for investors. So accredited investors trying to get them to invest in my commercial real estate deals, that sort of thing. But now I've rebranded to raising the bar, which is more geared towards active investors and entrepreneurs and folks like that. So still,   Eli Facenda (02:10.619) Mm-hmm.   Seth Bradley, Esq. (02:19.982) Still, I'm sure your clients, wealthy folks that are starting businesses, that have businesses, that are raising capital for real estate or private equity or other types of businesses, that sort of thing. And then we'll do about, we'll do it a little on the shorter side. So we'll do about 30 minute interview, probably at the longest. And then we'll kind of just close that out. And then I do two little smaller sections that I break down into like little five minute episodes. One is a million dollar.   Eli Facenda (02:25.403) Totally.   Seth Bradley, Esq. (02:49.622) Monday I put that in the notes and it's basically just like real quick, like how you made your first million dollars, how you made your last million, how you plan on making your next million. then, yeah, and then the last one is the top 1%. Basically just kind of what separates you and makes you the top 1 % in what you do.   Eli Facenda (02:59.675) Cool. Yeah, I love it. It's great.   Eli Facenda (03:08.699) Okay, beautiful. And then as far as, is there any place you want me to point people that is connected to you or do you care if you're asking about that? I don't have any hard call to action kind of pitch thing, but it's more just like.   Seth Bradley, Esq. (03:19.916) No, man, whatever, it's up to you, man, whatever you want to do, whatever you, whatever call it action you want to use, if want to send it to your website or social media, whatever you want to do,   Eli Facenda (03:26.577) Cause you know what we do have, I can do this. We have a pretty cool playbook that's normally 150 bucks and I'm happy to give it to your listeners for free. So I could give them a code, just say what would be the best code for that?   Seth Bradley, Esq. (03:37.175) Okay, awesome.   Seth Bradley, Esq. (03:43.429) Um, just raise would probably be good. use that a lot for like call to action, like DME raise. So you could use a raise.   Eli Facenda (03:46.161) Cool. All right, so yeah, so I'll just say go to the website and just DM or just put in the code RAYS and you'll get it for free. But it's like a whole playbook on how to maximize points for trips. I've act like legitimately I've had someone buy it and within 48 hours he texted me a screenshot. was like, dude, I just saved 20 grand on a trip from your ebook. And I was like, wow, okay, it works. So it's good. Yeah.   Seth Bradley, Esq. (03:57.07) Sweet.   Seth Bradley, Esq. (04:09.366) Nice, Cool. All right, man, well, we're already recording, so I'll just jump right in, and then if I need to add anything to the beginning, I'll do that later. And cool, man, yeah, we'll just jump right in.   Eli Facenda (04:14.129) Sweet. You're welcome.   Eli Facenda (04:20.27) Awesome.   Eli Facenda (04:24.913) Let's do it.   Seth Bradley, Esq. (04:27.444) Eli, what's going on, brother? Welcome to the show.   Eli Facenda (04:30.181) Thank you man, excited to be here and I we're going coast to coast today so this will be good.   Seth Bradley, Esq. (04:34.382) Absolutely, man. So we chatted beforehand, but I think you're tuning in on a road trip right now. So you're living proof of what you do, right?   Eli Facenda (04:44.065) Yeah, totally. are, well this part's kind of like a road trip. We're in West Palm Beach right now, but this is basically leg number two out of, we'll end up being probably an eight month nomadic adventure with me and my fiance and our little puppy. And so we're in West Palm Beach right now in Florida. We head to Europe in less than a month and we'll be bouncing around different parts of Europe for about four months roughly before we decide where we're gonna go next, which we're not exactly sure.   Seth Bradley, Esq. (04:58.904) Nice.   Seth Bradley, Esq. (05:12.28) That's awesome, man. Are you using all your hacks and secrets and travel tips that you put out there?   Eli Facenda (05:18.449) Absolutely, yeah, 100%. I mean, we just got back from a crazy trip to Japan. This was really cool. I run an entrepreneur mastermind. So we integrated our own trip around Japan around this mastermind event. So I had 53 people come out for like eight days. We went snowboarding in the mountains in Niseko in the Northern Park. And then we went down to Tokyo for the cherry blossoms. But for myself personally, to get there and back and do a lot of the hotels, we used points. We saved over 50 grand just on that portion of the trip. We then...   know, flew down to West Palm on points and then going over to Europe and a lot of the stays over there will also be leveraging the point strategies that I help clients use and then I talk about on social media and the stuff that we'll dive into today. But yeah, I like to be living proof of it because it's pretty awesome. It's something that's really impacted my life. I love doing it. And when I do it, I get to share it too. So has like a multiple benefit for everybody.   Seth Bradley, Esq. (06:06.648) That's awesome, man. I'm excited, dude. I'm excited to dig in here, because it's just for my own personal benefit and education, because I'm super stoked about this stuff, and I travel a lot with my fiance, or my fiance, my wife, and it's something I'm personally interested in as well. We've had past conversations too, so it's great to have you on, man. So just to start off, man, if somebody, you meet somebody in the street, they ask you what you do, how do you explain that?   in a sentence, right? Like without going into some crazy like tangent about all the awesome things that you do. Like what, how do you answer that question?   Eli Facenda (06:36.453) Yeah.   Eli Facenda (06:41.329) Sure, sure, Yeah, it really does depend on the situation, but I oftentimes will ask a couple questions because it makes it easier for people to understand. So usually it's like, do you have any big dream bucket list trip you've ever wanted to take? And they'll be like, oh yeah, Greece. I'm like, well, what we do is we help you get to Greece in business or first class, stay in five star hotels, have the trip of your dreams at about 90 % off. So that's kind of the tagline is take the trip of your dreams for about 90 % off.   I'll get into the whole point side of things, but some people don't know what points are, or some are really well studied in that world. So I just leave with the trip because that's usually what people want. They want to have the experience where it's you and your wife flying first class, sipping champagne on the way to Paris to go see the Eiffel Tower and the points and the credit cards. That's really the mechanism. That's how we make the experience happen. But at end of the day, what we want is the amazing memories, the beautiful experience, all that stuff. So I leave with the trip when I talk about it.   Seth Bradley, Esq. (07:37.848) That's awesome, man. Yeah, I mean, you're literally selling the dream, right? Like in marketing, you sell the dream or hit on a pain point. Like you are like the quintessential selling the dream. Like that's what everybody thinks about. So.   Eli Facenda (07:42.969) Yeah, exactly.   Yeah, Right. Well, it's funny because, you know, in marketing, they'll say like, sell the destination, not the vehicle, right? They'll be like, sell the outcome, not how you get there. And so we do that in our marketing. But then when you think about it, when people are taking a trip, what we are helping them do is make the vehicle to get to the destination part of the destination. Because really, when you travel well, and you do it in style, the flight becomes a part of the trip that you're excited for.   I can't wait to see the the drinks and the champagne and the food they're gonna have and how awesome the seat is and the movie selection, how big's the screen. At least for people that love to travel, it becomes a fascination of the trip, not just getting there. So that's a big difference maker when people start to go on these flights, and this is what a lot of our clients will say, and for me, it goes from flying economy to like, I'm counting down the hours to get off this freaking plane.   to like, we do another lap around the city? Cause like, I'd love to just hang out here longer, right? And like the flight attendants treat you really well. So yeah, it's a whole experience.   Seth Bradley, Esq. (08:49.314) That's awesome, man. Yeah, that's great. Was there a trip that you went on personally where you just kind of thought, man, I can turn this into a business, right? Like you're just enjoying it so much that you just were like, like the light bulb went off or how did this business spawn?   Eli Facenda (09:04.515) Yeah, there wasn't one trip that I made the connection between like, trip is awesome, let me start a business. But there was one trip that gave me the light bulb of, my God, I am obsessed with this, I need to learn everything I can. There was zero intention or thought about business that when it first started. And that'll take you back about 10 years. So was around 22 years old and I'm just coming out of college. And basically I'm in my mom's basement and I remember this really...   like heavy feeling because I went to a good university near New York City and all my friends went to Wall Street and they were making like six figures plus right out of school. And I had this like entrepreneurial bug. I was like, that's not for me. I don't want to sit in an office. I don't care if I can make a lot of money. I want to like play life on my terms, even if it means I'm making less. So at this point I have friends that are making tons of money, know, lots of disposable income and I'm making like 20 grand a year. I'm working four side jobs. I was trying to build a company. I remember getting this text.   And my stomach just dropped, because I was like, shit, I'm going to miss out on this incredible experience. was friends inviting me to go to Thailand. And I was like, if I don't figure out a better strategy of either how to make more money or figure something out, I'm not going be able to go on this trip. And I was like, damn, this is going to be just a life of missing out on experiences. Is that what it means to follow my dreams with entrepreneurship? It's like, I have to forego everything that my other friends are doing. And so was like, let me think about this differently. And I had a mentor that told me, you don't need more money, you need a better strategy. And he was talking about growing a business.   But for me, I was like, oh wait, there's this credit card point thing. What if I could figure that out? So I ended up piecing it together. I got a trip to Thailand for free. I had this amazing experience with some of my best friends. It's like still, you know, 13 friends in Thailand at age like 22, 23. Memories you don't get back. So was really grateful to have that. And then I came back from that trip and I got another flight a few, probably a year later to Europe in business class where it was a $6,000 ticket that I paid $6 for. Now after that one,   I came off that flight and I was like, I will read every blog, I will watch every YouTube video, I will learn everything about this because it meant I could travel the world and have this incredible lifestyle without having to go take a corporate job. So was like, I get to have my entrepreneurial dream and the travel I want without any trade-offs and I was like, this is amazing. So that was my first time I got hooked. It took me years of researching and reading blogs and websites and doing stuff for myself before I even had the thought of helping anyone else. I just became obsessed with it on my own.   Seth Bradley, Esq. (11:27.086) I love that you recognize you had the entrepreneurial bug early on, right? Before you got drugged down into the corporate ladder and then you got the golden handcuffs, we like to call it, and that sort of thing where it gets much, much harder to escape that gravity. I know for myself, it took a really long time. ended up going to, I went to med school, then I got my MBA, and then I went to law school, and then I worked in a big law firm, and it just took me all this time to figure out like, I don't want this.   Eli Facenda (11:38.405) Yeah.   Eli Facenda (11:49.201) Mm.   Eli Facenda (11:56.763) Right, well the social pressure alone of like everyone year round is going one way, it takes a lot of guts for you to zig when everyone else is zagging, like it's not easy to do. Yeah.   Seth Bradley, Esq. (11:57.015) And I think it's.   Seth Bradley, Esq. (12:06.648) For sure, for sure. Yeah, it's tough. It's tough, right? And especially when you see your friends making six figures right out of college, you're like, man, I could do that right now if I wanted to do it, but I don't want that. So it takes guts to be able to go out there and do your own thing.   Eli Facenda (12:21.873) Totally. And I think everyone has their own version of that still. There's even vert flavors of that today that are still existing for me where it's like, everyone's kinda going this way, but when I really get quiet and listen to myself, I'm like, yeah, you could do that, but you actually, what your soul or your heart really wants is to go over here. And so I've always just tried to listen to that more because I think about one of my North stars is, at the end of my life, I'm 80, 90 years old, I do the rocking chair test and look back, it's like,   What regret would I rather not have when I'm 90? I'd always rather be like I bet on myself than like I took the sure, you know, the well-paid path, which is the old cliche, but I think it's really true.   Seth Bradley, Esq. (13:01.004) Totally, I love that North Star, man. Have you ever asked ChatGBT to give you advice as your 80 or 90 year old self on your deathbed? It's great. Yeah. I love it, man. I love it. Yeah, it's great. It you great insight. You start reading, you're like, this is good.   Eli Facenda (13:07.409) Yeah, yeah, I actually created a custom GPT and it's my future me that coaches current me. yeah, exactly. Yeah. Yeah.   Right. Exactly. Yeah, totally.   Seth Bradley, Esq. (13:21.326) Awesome man, well let's get back kind of on the business of travel, right? So somebody comes to you, they do that introduction that we talked about, you get in a deeper conversation, they're super interested in it, they wanna learn more about these travel hacks and strategies, like where do they start? Where do you point them?   Eli Facenda (13:42.447) Yeah, so in terms of the process, I like to chunk it into three main buckets.   And it's important to have context around this game because if you don't, it just starts to feel like there's so many moving pieces and who has time for that and it's too confusing and then it becomes overwhelming and overwhelm just basically leads to an action. And then that is the person who's like, well, I just don't wanna do that, I'll just take a cash back card or I'll just stick to my Delta card, right? And so when you have the right context, you can start to understand the highest leverage moves to make and then you know really how to get the result you want with the least amount of effort. So that's what we focus on and specifically like I've worked with   probably over a thousand business owners now. And with business owners, investors and entrepreneurs, it's a different, the points game takes on a different context, right? Because usually the constraint we have to solve for is time and complexity. And if you work a nine to five, you know, after five o'clock, you've got hours for your night. But entrepreneurs, it's like every hour is kind of an asset that you can use. So it's a little bit different. So the three buckets are, the first one is to maximize the points that you earn. So this happens from getting the right cards and the right expenses.   because all of these different points are like currency, so you wanna earn the right type of points and then you wanna maximize the amount of them by getting the right cards and the right expenses. So that's the first piece and that's really, really key, because nothing else happens if you don't get that right. The second bucket is gonna be to upgrade and optimize your travel. So you've got domestic trips for a conference, are you getting TSA pre-check and clear, are you getting the best lounges, are you getting first class upgrades and free bags and hotel suite upgrades and free breakfast at the hotels and free wifi. Really it's just like,   There's all these opportunities available for people that are traveling domestically for work, for family events, you know, your kind of ordinary traveling might have. And what we want to do is we just want to enhance the quality of all of that and reduce all the headaches and annoyances by maximizing benefits on cards and status perks and all the kind of like little tactics that you can play. So that's the second thing that just makes your travel more comfortable. And then the third bucket, which is really the most important in terms of impact in your life and the most meaningful piece is to take your dream bucket list trips for 70 to 90 % off.   Eli Facenda (15:45.775) And so that's where you're gonna take the points you've accumulated. You're gonna use some strategies that I can break down here around transferring these points from the banks to the airlines and hotels, and you're gonna get these dream trips for literally a fraction of what they should cost if you're paying cash, or compared to if you were using your points through a site like Amex Travel or Capital & Travel or Chase Travel. Okay, so that's a mouthful, but those are the three. So maximize your points, get the best possible upgrades, and then take your dream trips for 90 % off.   Seth Bradley, Esq. (16:13.934) Yeah, dive into one of those little those connecting strategies there that you mentioned.   Eli Facenda (16:19.183) Yeah. Yeah. So I'll talk first about the cards. That's the order. This is the first mistake that most business owners and individuals are making is they're just getting random cards. They're like, well, I live in Dallas. Let me get the American card or live in Atlanta. So I'll get the Delta card or, whatever it may be. Or live in San Diego and I fly domestic. So I'll just get the Southwest card. Well, they don't realize is that again, these points, these points like currencies. And so if I told you, Hey, do you want 150 Mexican pesos or 150 us dollars for your couch that you're selling on Facebook marketplace?   you're obviously gonna take the US dollars, right? Because the currency is much higher. But with points, people don't realize that. So they might be racking up Hilton points or Delta miles or other points and miles that just aren't as valuable as other ones out there. And then they burn through them quick or they don't go as far. And they end up just basically sitting there being like, I feel like I should be getting more. This is the common thing I hear. I feel like this should be taking me further, but like it's not doing much. And so what we wanna focus on is bank points that are transferable. So certain banks,   have this ability to convert the points to the airline hotel loyalty programs. And what happens is the banks have a different way of pricing than the airlines do. And certain airlines and certain hotels have really good what we call sweet spots or opportunities for you to get the best possible deals. Okay, so when you earn these effective points, which the top ones I recommend are generally Amex, Chase, and Capital One, and there's a new program built actually is out where you can put your rent on a card with no fees and earn points, it's really cool. But when you get those right,   And then you look through your expenses and you say, what do I spend the most on? Is it groceries and dining and the personal side? Cool. There's a card like the Amex Gold that is specifically really good for those types of expenses. Then you look at your business. What do I spend a lot on? Is it ads and software and taking clients out for dinners? Great. The Amex Business Gold earns four points per dollar on those categories, but maybe it's you're spending a lot on flights for company travel, or maybe you have inventory you're buying, or you're paying a lot of contractors, or you have a lot of payroll. You want to assess where you're spending the most money.   and make sure you have the optimal card lined up for that type of expense. So I'll pause there, but that's kind of the first bucket. The other one is on using the points effectively, which I can talk about too, is pretty powerful. But that first one is really the linchpin. Because if you have a bunch of Delta miles and you want to go to Europe, I'll give an example actually one more before I kind of pause. There was an example recently I saw of a client and they wanted to go to Europe and we're looking at different options. This was from JFK to Amsterdam. If you have Delta miles,   Eli Facenda (18:43.547) The ticket for Delta One, this big awesome Delta Suite, was 320,000 miles. That's what Delta was charging to go from JFK to Amsterdam. It's really expensive amount of miles. But the same exact flight, like same flight number, same aircraft, everything, if you booked it through Virgin Atlantic, it was 50,000 miles. One seventh of the amount almost. It's really, really big difference. And so here's the kicker, right? If you have a Delta card, you only earn Delta miles, so you have to pay the 320,000.   Seth Bradley, Esq. (18:46.765) Mm-hmm.   Seth Bradley, Esq. (19:02.124) Hmm.   Eli Facenda (19:12.497) but if you had an Amex card that earned Amex points, so like the Amex gold or business gold, you could actually convert those points into Virgin to book the Delta flight because Virgin and Delta are partners, and you'd pay 50,000 points instead of 320,000. So this is the part where like, for people that kind of get this, they're like, whoa, and the other people are like, what did you just say? So I get it can be, it can be tricky for some people that are just getting to grasp it, but I want to make sure to lay out the whole game so people can understand really what's possible for them.   Seth Bradley, Esq. (19:34.764) Yeah   Seth Bradley, Esq. (19:42.329) Totally, totally. Yeah, it's just, mean, I'm sure people out there listening, it's both, right? Some people know these things exist, but they don't know the extent of it. And you're opening up their minds regardless, right? Like all the possibilities. I think most people are just like, sure, I need to find a great car that has a welcome offer of some sort. That's usually what people look at. And then they just try to pick, perhaps they take it a step further and they're looking to see like what they spend money on the most and they'll...   Eli Facenda (19:54.139) Tour then.   Eli Facenda (20:04.443) Mm-hmm.   Seth Bradley, Esq. (20:11.128) calibrate that card to that. But you're taking it step further because you know, it's kind of just opening yourself up to knowing all the possibilities, right? All these different connections, where to spend the points, where you can earn the points, those sorts of things. How thick is your wallet, man? Do you have, is your wallet like this and it's got 25 cards in it or what?   Eli Facenda (20:19.419) Totally.   Right. Yeah.   Eli Facenda (20:28.123) Haha   Yeah. Yeah.   Well, caveat this first by saying when we work with clients and we might do recommendations for people, I always recommend if you have a business, two to three personal cards and two to three business cards. That is a simple way to set this up. That's only four to six cards across both things. That's enough where you're really gonna get some serious ROI, but it's not so much that's really complicated. Some people are kind of curmudgeoned about it, like I only want one card. And I'm like, that's fine. There's no right or wrong in this. It's really preferential, but you should just know if you do that, you're gonna be leaving for most business owners that spend at least a few thousand a month.   that's gonna cost you tens of thousands of dollars of free trips a year. So I'm like, is your simplicity of having one card worth that much? If it is, great, but maybe having a second or third card doesn't add that much complexity. But if you get an extra $30,000 a year trip out of it, probably worth it, right? So that's the first thing. But to answer your actual question, so I have an entire thing called the Credit Man purse. It's like this portfolio binder, and it's just stacked with cards. I mean, I have over 40 credit cards, but I've been doing this for a long time, right? And there's like, here's the thing also with credit.   Seth Bradley, Esq. (21:28.28) Hahaha   Eli Facenda (21:34.041) A big question, a lot of investors, specifically people that are doing real estate or business owners, really want to their credit clean and we're huge advocates of actually not just keeping your credit score the same but improving it over time. And when you get business cards, they don't show up on your personal credit report. Okay, the vast majority. The inquiry will, but the actual card won't. And some banks, you can actually get multiple cards with no additional inquiries. So like when we do a custom card plan for someone or when we're just recommending it, we're always saying like, make sure to look at which banks you already have relationships with.   Seth Bradley, Esq. (21:48.142) Mm-hmm.   Eli Facenda (22:02.373) which ones you can get a soft pull from, the order matters of these card applications. But at end of the day, you just want a couple of specific cards that are really gonna be custom built for you, and you don't have to go crazy with it. If you get excited and you're like passionate about it, you can get 10, 15, 20 cards over the course of several years, and if you do it right underneath your businesses, it's not gonna drop your personal credit score. Your personal credit score will actually go up over time.   Seth Bradley, Esq. (22:26.314) Mm-hmm. That's a good hack, man. I'll get I'm put you on a spot a little bit. I'm gonna explain like what what I see a lot of the people that are probably listen to this show have in place structured wise like organizational structure and it's kind of similar to mine. Mine's probably a lot more complicated, but just to keep it simple, you know, there might be a parent company, right? Like this overhead parent company that owns everything. So let's let's call it parent company, right? And then below the parent company, the parent company owns, let's say a management company.   This management company probably manages funds, manages properties, manages equity for investors, that sort of thing. And then they also might have these other businesses, right? Like it just depends on the person. Like for instance, I own gyms and some other, my law firm, things like that. So they might have these own individual operating companies that owns a gym or owns another business or does these other things. you know.   Eli Facenda (22:55.889) Mm-hmm.   Seth Bradley, Esq. (23:20.066) Based on that structure, so you've got a parent company, you've got a, let's call it an equity management or fund management or property management company, and then you've got kind of this other operating business. How would you structure, what credit cards I guess would you kind of recommend? Not necessarily specific ones, but like, do they need one for all three or, yeah, how would you think about that?   Eli Facenda (23:27.301) Mm-hmm.   Eli Facenda (23:36.593) Yeah, yeah, but how would you think about that? Yeah, totally. I mean, it's a super common question. Like this is exactly the kind of clientele that we work with all the time where they're like, are you sure this is gonna work for me? I have four rental properties, two companies, one holding company. I have an investment thing. I have this thing over here. It's like, yeah, it all works. So simple is the key. So it's always a spectrum too. Like some people are, again, really minimalist with like what they want. we always, like when we're doing this for a client, we custom build it. But.   The real recommendation there is we wanna, again, assess which of these companies are actually generating the highest amount of spend. And those are the ones we wanna start with first in terms of cards and really optimizing. Now, if you have a bunch of different companies and they all have a bunch of spend, the first key thing to know is that the points will go to the business owner, the person who personally guaranteed the card, not to the business. So there's no business points account. It's underneath your name, even if it's underneath the LLC.   So the points go to you. So if you have like six different companies and you have like three Chase cards and three Amex cards, all of those three Chase cards and all of those three Amex cards are gonna basically funnel up to your account, okay? So that keeps it simple in terms of how you can think about accruing these points. They're not gonna be scattered everywhere where you can't use them. So that's good to know. Same with the airlines, right? doesn't matter if it's an airline or a bank card. So that's the first thing. For these management companies, usually lot of them don't have much spend.   So what we'll tend to do is just get one card that is like a catch-all card. And so this would be a card that we want to have earn around 1.5 to two points per dollar spent. Because what we've done is we've taken the floor of what you're gonna earn on your everyday spend and we just increase it by 50 to 100%. Okay, so like let's say a parent company is used for some client meetings and some basic legal and admin stuff and it's like 1,500 bucks a month just to do upkeep and normal stuff like that.   and it's not a crazy amount of different categories to spend. You're not running ads, you don't have that much software, there's not really a lot travel happening with it. But if that's the case, then what we wanna do is get a card, maybe like the Chase Inc. Unlimited, which earns 1.5x on everything, and we'll say, look, we're gonna keep this simple. That holding company doesn't have a lot of points earning power, so let's make sure we get a card on it just to earn, but we don't wanna like go crazy and get a bunch of cards and try to maximize every dollar. But this company that owns four different gyms and spends...   Eli Facenda (25:52.369) 50K a month on equipment and advertising and payroll and all this stuff, that's the company where we wanna look to get maybe two or three cards that are specifically aligned with that business to spend because that is where you as an entrepreneur, as an owner, are gonna be generating the most return. It's gonna be from that one entity. So I hope that breaks it down in a way that makes sense, but this is also where, again, having your cards across two to three main banks will keep it relatively simple because even if you have four different entities, if it's under one Amex login, that makes it nice and easy too.   Seth Bradley, Esq. (26:22.53) Totally, totally. Awesome, man. I knew you could handle that. Easy, easy peasy. Cool, man. Let's go to number two, right? Using the points effectively. You kind of touched on a little bit of that strategy, but let's jump into that.   Eli Facenda (26:26.682) Easy basic.   Eli Facenda (26:32.709) Yeah, yeah, so the second thing was optimizing the upgrades and all that. I'll cover that one really quick. If you're going through the airport and you don't have TSA PreCheck and clear and lounge access, you're missing out on some really easy perks that will just make your life way more enjoyable. So that's the first thing. There's a lot you can do with hotel upgrades and status. So like when I travel and go to Miami tonight for a conference, I have status at Hyatt. I'm staying at Hyatt for two of the nights down here.   Seth Bradley, Esq. (26:39.628) Okay.   Eli Facenda (27:02.225) I probably would get upgraded to a suite that's worth like thousand to 1500 bucks a night because I know how to use the suite and I certificate, it's my globalist status, I know how to message the hotel the right way. So there's some strategies there where if you do that, whenever you're traveling, you just get a much better experience. You get early check-in, late check-out, the free suite upgrade, much more spacious room. A lot of times they have lounges at the property like when we were in Tokyo, a bunch of us stayed at the Grand Hyatt there. They had a beautiful lounge overlooking the city. They had breakfast every morning.   They had drinks all day. They had a great lounge area. We actually had a mastermind session in there and they like a 15 person breakout room for us to go to. It cost us $0 to use it. They had afternoon drinks and stuff like that. So these are just the things that make your travel much better. So small tweaks that over time just again, make it a much more enjoyable experience. But that bucket on how you use your points, this is one of the most critical pieces. And I've already kind of alluded to it with that Delta One example, but   I'll share another one. So on the way to Japan, right, we flew ANA business class. This is all Nippon. It's one of the premier airlines in the world for international business class travel. They actually have a seat called The Room because it's so spacious and big, your own big sliding door. They have like an omakase menu. You've got ramen, champagne. It's like really, really good. Amazing sake and green tea and all this good stuff.   It was like an incredible way to fly and you know, it's an 11 hour flight and I didn't sleep a wink because I was just eating the whole time. But here's the deal, right? So that flight for my fiance and I, it would have been $20,000 for the two of us. It's 10,000 a piece. Okay, San Francisco to Tokyo. We're going in peak season, mind you. So I have three options to book that flight. I pay cash for it, which you know, I do decent in business, but I'm not dropping 20 grand on flights.   just to get to Japan, like that's out, that's way out of my bucket of what I would ever want to do. The second option, I go to the bank site. Okay, so again, if you have AMEX points, a lot of people have AMEX cards, like the platinum or the gold card, and this is a good start, but when you go to the bank site, each point is worth one penny. Okay, this is the baseline value of a point. So what happens is if you go to AMEX travel, they'll say, okay, this flight would cost, let's call it 20 grand. So 20 grand times one cent for each point equals 2 million points.   Eli Facenda (29:20.977) So my second option would have been to go to Amex's site and pay two million points, which I don't even have. Okay, so I'm like, that wouldn't have even worked, but that's what most people are doing at use points. They're going directly to the bank site and they're booking using Amex travel and they're getting absolutely screwed. Okay. There's kind of, and then there's a third option, which is to go through the airline site. So there's like three A and three B. Three A would be like, again, you only have Delta miles and you're kind of screwed going just to Delta. I don't recommend that. But the last option is what we did.   which is where we had Amex points and Chase points, and I looked at my different options and I said, okay, what are the best partner airlines I can book through to get to Japan? Well, it turns out, ANA is a part of the Star Alliance, okay? United is also part of that alliance. Chase and United have a partnership where I could convert my Chase points into United miles. When I looked that up, I ended up finding the deal and there's ways you have to kind of search this and track it, but that same flight that would have cost me two million points,   through Amex or Chase travel directly cost me 220,000 points to transfer from Chase to United. And I paid $12 out of Okay, so $20,000 flight, I paid 12 bucks. But how did I do it? I had the right points first. I had enough of them because I had the right cards and the right expenses. I knew how to search for this flight. And then I was able to transfer these points from Chase into the airline. So the hardest part of this entire process   Seth Bradley, Esq. (30:30.402) Hmm.   Eli Facenda (30:49.413) is figuring out the points transfers and which partners are the right ones for certain airlines. That gets very nuanced and complicated. It's kind of like, you know, if you were talking to a CPA and someone's trying to explain how like the Augusta rule works, whatever, and like the CPA pulls up like the tax code and is like unveiling this long list of tax jargon. The average person is just like, what, just like tell me how to do it, right? That's kind of the same thing here. There's a lot of different like angles and transfer partners and bonuses and.   Seth Bradley, Esq. (31:12.43) Right.   Eli Facenda (31:17.689) alliances and partnerships and it gets kind of complicated but that's how it works.   Seth Bradley, Esq. (31:22.434) Totally, totally. So let's talk about that. how do you help people keep track of that or learn that or execute, I guess, on these strategies?   Eli Facenda (31:32.241) Sure, yeah, so for us, our company really has two main levels to it. So we have a community-based level where it's like you're just getting the fast track, you're getting help from experts. So I'm really good at this, but I'm more of an entrepreneur than a points nerd. So as I built this, initially I was the one on the phone with all the clients, walking everyone through it, and then I built a team. So I found basically some of the other points nerds in the world that I was mind blown by. I knew them from social media and just seeing their stuff, and I was like, that person has their stuff. So I brought them onto the team.   And so our clients will interact with both me and them inside of our community, but it's not just points. We're also providing really cool travel experiences. So for example, I posted this, but I'm going kiteboarding in Egypt in June on this epic like entrepreneur kiteboard trip where it's 40 entrepreneurs going to learn how to kiteboard together and masterminding on one. And so I'm attending, I sent it out to our clients and I said, Hey, if you want to come on this, our team will help you plan the flights out there on your point so you can get business class on the way out.   So I like to, because ultimately I wanna help people, my mission is to help people create more experiential wealth in their life. There's financial wealth, and a lot of people accumulate dollars, but they're not turning it into experiences. So I'm like, let's create more experiential wealth, and the points are the way to justify it. So we have that community level where you get access to our team, there's calls you can jump on, ways we help you plan trips, and then we have the done for you services, where we basically just handle it for you. That's more like, think of like a travel agency on points for entrepreneurs.   That's more of what that is. And in there we'll do the custom card planning and map out what cards you need based off of what your specific spends are and stuff like that. So we do some pretty deep intake. And we kind of are almost like a travel agent. It's a little bit different in some ways, but that's basically the two levels in how we help people.   Seth Bradley, Esq. (33:12.29) Great, man. I love how you build in the experience, right? Like that's part of it. Like that's what you're teaching anyway. So it's like, it's not like, hey, join this, join this group and then we'll talk about all these things. You're actually doing it. You're actually inviting them to execute on what you're teaching so that they can see it in motion and then they can continue to do it and experience life at a different level.   Eli Facenda (33:32.497) Absolutely. Yeah, I mean, like, I really love it too. like, I'm like, everyone that works with us is really, usually a pretty cool person. Like, if you're an entrepreneur and you have the guts to build your own business, and then you wanna travel the world, like by nature of that, you're already probably a pretty cool person. Like the majority of people that are doing that, I think well-traveled people are some of the most interesting people. If you want the best stories in life, like, someone who's traveled the world is gonna have some stories for you. And so when you combine those two, it's like, these are people I wanna hang out with anyways. So like, I'm going on a trip to Egypt. I'm like, come with, like.   Whoever in the community wants to come, let's have a party, let's go do it. So it's great thing.   Seth Bradley, Esq. (34:04.994) That's great. Awesome, man. How are you raising the bar in your life and your business right now? Like what are you doing to build your business further, building off of some of the things that you're offering right now? Where are you taking it to the next level?   Eli Facenda (34:18.833) Yeah, so we have a new project we're rolling out inside of our community, which I'm really excited about, which is even just in our lower tier membership, and it's called our DreamTrip Alert System. So what this is, is when people come in, this has never been done before in the world of points and miles or travel at all. So we're the first to do this, which I'm really excited about. So let's say you were to sign up. You're gonna come in and give us your DreamTrip destinations, the seasons or windows that you could go, the points you have, your home airport, all this stuff.   and our team is going through and we're not just finding you like a flight, because there are different alerts out there that'll be like, hey, we found a flight. And it's like, cool, one way from LA to London, but like, what am I gonna do when I'm there? Where am gonna stay? How am getting back? Right, it's like part of the puzzle, but it leaves a lot on you to figure out. And for our clients, most business owners and entrepreneurs, investors, they're too busy to piece all that together. So they're like, well, cool, that doesn't really help me. So we decided to do, we said, what if we...   just basically sent people like a mystery subscription box of their dream trips. And so when you come in and you fill that out, we gather it. And then a couple times a month, we're gonna send out alerts where it's like a 30, 40 or $50,000 type trip, somewhere incredible in the world. We're talking Greek islands, Amalfi Coast, Japan, New Zealand, African safaris, Maldives, Bora Bora, places like that, business and first class flights, five star hotels, four pennies on the dollar. So these are like, we get $40,000 trips where people will end up paying a thousand bucks, 1500 bucks, two grand out of pocket.   Seth Bradley, Esq. (35:25.389) Mm-hmm.   Eli Facenda (35:44.337) And so we're gonna send the entire trip to you. So it's like the flights, the hotels, the entire step-by-step booking, the recommendations on the ground, the entire experience. And so we're sending those out so people come in, they tell us when, where, like the things they wanna do, and then they're just gonna get these alerts where it's like every month they're gonna be like, you you're sitting there with your wife, hey babe, you wanna go to Bora Bora in like June? It's gonna cost us like 800 bucks and it would be a $30,000 trip. It's like that's what I want. That's what I wanna create. So that's us raising the bar in the industry and in our business.   Seth Bradley, Esq. (36:06.35) you   Eli Facenda (36:13.615) I'm very excited, it's brand new for us, so I'm just pumped to see that continue to roll out, because it's, for me the mission is to help people live with experiential wealth in the form of travel. And so, usually there's some barriers that get in the way. There's time, there's planning, and then there's cost. And what we're trying to do is eliminate as many of those barriers as we can to make it just easier to say yes to the trip.   Seth Bradley, Esq. (36:34.252) Yeah, man, sign me up, dude. Sign me up. I feel like you've got to get both significant others on your list, right? So they both see it and whoever's like the person is like, we've got to do this, you hit both of them and then they convince the other one to do it.   Eli Facenda (36:36.625) All right.   Eli Facenda (36:49.477) Yeah, right. Yeah, exactly. There's usually one. There's usually like sometimes it's the husband's on the call and he's like, dude, I don't know where we ever travel. Like I'm gonna pay for this, my wife's gonna do everything or it's the opposite where the guy's like, you know, she just shows up and I tell her where we're going. And so like that's my relationship. I'll be like, you know, it's my industry, my passion. I'm like, we're going here and then here. And she's like, tell me where to be. And she just has no idea where we are and she just loves it. And I'm like, I like planning. So, you know, but it's different for everybody.   Seth Bradley, Esq. (37:11.736) Yeah.   Seth Bradley, Esq. (37:17.144) For sure, for sure, man. All right, brother, this has been incredible. Tell our audience where they can find out more about you, where they can get involved with all the things, all the incredible things that they've heard on this show. Throw it out there,   Eli Facenda (37:28.859) Totally. Yeah, a couple of main places. So the first thing I'll share is that we have what I call the CEO Points Playbook. This is something I custom built. Took me a long time, and this was not a Chad TBT prompt. Like, I really built this on my own. And it is like a 30 to 40 page playbook that any business owner or entrepreneur can use to really maximize their travel experiences, get better bucket list trips, figure out the right cards for them. And it's normally 150 bucks, but if you go to freedomtravelsystems.com   forward slash playbook and you put in the code RAYS, you're gonna get it for free. Okay, so anyone listening, it is free for you. And so that's gonna be freedomtravelsystems.com forward slash playbook and then use the code RAYS, maybe we can put it in the show notes. And so that'll be the first thing. Second place is if you're like just want done for you services, just take off that forward slash and go to freedomtravelsystems.com. can talk to myself and one of the team members. And the last place, I hang out on Instagram and post a lot there, that's where we connected.   Seth Bradley, Esq. (38:14.049) Absolutely.   Eli Facenda (38:27.595) And that's where I'm sharing the most like behind the scenes and as I'm booking this stuff, as I'm planning it, as I'm showing like what our clients are doing, you get to see more of the visuals and the fun and come along for the ride. And so I love engaging on Instagram as well.   Seth Bradley, Esq. (38:40.27) Great. Thanks Eli. I really appreciate you coming on the show,   Eli Facenda (38:43.973) Thanks Seth, appreciate you having me on.   Seth Bradley, Esq. (38:45.806) All right, brother, talk soon.   All right, sweet dude. Nice. Yeah, right around 30 minutes. Let's see. Yeah, we'll just jump into these last few questions here.   Eli Facenda (38:51.748) Awesome.   Eli Facenda (38:55.205) Perfect.   Seth Bradley, Esq. (39:03.862) Welcome to Million Dollar Monday with Eli Fisenda. Let's just jump right in. Hey brother. Yeah, how did you make your first million?   Eli Facenda (39:09.243) Let's do it.   Eli Facenda (39:13.499) So I actually made my first million in a tour company. Now I made the first million, I didn't get to keep the first million, but what we were doing, we were running sports trips all over the world. This is actually part of how I fell in love with the travel industry and the work that I now do with points. And ultimately what we were doing, we were creating these international tour packages for youth sports teams and families to go on these international tours. think of like a 14 year old baseball team in your, you're in San Diego. We'd like do a selection of kids.   Seth Bradley, Esq. (39:19.694) Sure.   Eli Facenda (39:41.329) from that area and the families would come and they would go to Japan or Italy or wherever and travel for 10 days, experience the culture, have an educational tour and also play the local teams. So we did that in a variety of sports, ice hockey and baseball and lacrosse and all these different sports. And we were growing a lot and then that was ramping right until COVID and that just decimated the entire business. we took us about two years to get to a million and then we started to double almost every year for a few years and that was like.   Seth Bradley, Esq. (40:02.432) Mm.   Eli Facenda (40:09.399) Really, really tough break at COVID, but that was the first million.   Seth Bradley, Esq. (40:11.63) COVID man. Nobody saw that coming. mean.   Eli Facenda (40:13.881) No, definitely, you know, group, large, large group sports international travel was like the worst potential. Like you can't go overseas and you definitely can't do it with 60 people. So was, was a brutal industry to be in.   Seth Bradley, Esq. (40:25.506) Right? Yeah, there were certain sectors that just, I mean, there was nothing you could do. We opened up our first gym actually two weeks before COVID hit in 2020. we had our, us like two years to open and then our grand opening. And then we had a bunch of free clients in those first two weeks. And then they ended up being free clients for about a year because we couldn't charge them. Cause we couldn't get them back in the gym. We're doing online workouts and all that kind of stuff is insane.   Eli Facenda (40:36.817) Ugh.   Eli Facenda (40:47.696) Wow.   Eli Facenda (40:53.337) And that's like where the true entrepreneurial muscles are definitely strengthened in times like that though. mean, like the people that bounce back and figure it out, like you just have a new sense of confidence of like, you know, I can handle anything.   Seth Bradley, Esq. (40:54.22) But hey, we adapt,   Seth Bradley, Esq. (41:06.764) Yeah, man. I mean, you pivot, right? Like I actually ended up launching my first podcast during during COVID because I was stuck inside and it was like, all right, let's let's do this. Let's get on Zoom and interview people and all that kind of stuff, man. So that leads us right to the next question. And how do you make your last million? How do you make that transition?   Eli Facenda (41:12.859) Cool.   Nice. Cool. I'll it.   Eli Facenda (41:24.143) Yeah, so the last million that I made was in the current business that I have. so essentially what we've been doing there for about four years now is helping entrepreneurs maximize their travel on credit card points. So helping them get their dream bucket list trips, these 30, 40, $50,000 trips all over the world for about 90 % off by leveraging credit card points. And we've traditionally had some pretty high ticket services. I mean, not crazy expensive, but like, you five, 10, 15 K and that range has been the main main service. And so,   We cracked our first million about two years in, so that was 2020, 2024 actually was the first year we made a million there.   Seth Bradley, Esq. (42:00.526) Awesome man, awesome. How about your next million? Where are you scaling to?   Eli Facenda (42:04.305) Yeah, so the next million I wanna make is the same business. love what I do, I really enjoy it. And what I wanna do is do it in a more community oriented and lower ticket way. So I wanna have bigger reach, more digital products, more of the community, more affiliate services and stuff like that. And I'm really excited about kind of cracking the code on that, because we've done it decently with the higher ticket stuff, more agency level, service level stuff, which is great. And we're still cranking on that, we're gonna keep growing it. But I really wanna see what we can do with...   So the lower ticket stuff, creating awesome stuff on YouTube that leads to different channels and distributions there. So that's the next million and same business, just different type of money.   Seth Bradley, Esq. (42:41.57) I love it man, yeah, that's kind of opposite of how some people approach it, right? You usually start with a lower ticket and then you have to build up that base before anybody will give you, you know, higher, pay for that higher ticket product, but you're kind of working backwards because you want to help more people.   Eli Facenda (42:56.677) Totally, exactly, yeah, and there's a limit. mean, what we do in the high ticket is incredible, but it really is a specialized skill. Like you think about like a bookkeeper or an accounting firm or something, like there's like a million bookkeepers. There's like 50 people that know points and travel to the level that I need them to know it to really serve clients with the highest level. So there's a real limit on the ability to scale that. And so it's also just like, we wanna be able to do really quality work for less people, but then serve more people with the other stuff too.   Seth Bradley, Esq. (43:25.368) Totally, totally.   Seth Bradley, Esq. (43:29.518) Cool, let's jump into the next one dude and we'll wrap up. Eli, you're clearly in the top 1 % of what you do. I don't even know if there's that many people out there that do what you do at all, period. So clearly in the top 0.0001%, what is it about you that separates you from the rest of the field?   Eli Facenda (43:49.701) I think it's our ability to actually live what we preach. This is something where, you know, there are other fantastic people that talk about credit card points, but very few of them are actually business owners, like that's who we serve, and very few of them are actually traveling in the way that they're trying to help people travel. So we've done both. I've built multiple businesses, so I understand the psychology and the relatability of how you wanna think about travel and points and the various stresses in your life, the limitations on time and complexity. And I also,   Seth Bradley, Esq. (44:06.062) Hmm.   Eli Facenda (44:20.636) What just happened?   Seth Bradley, Esq. (44:22.998) I'm not sure. We can splice it together, but let's see. Lost the video.   Eli Facenda (44:26.748) Let me see here. Did my camera die or something?   Bizarre. second.   Seth Bradley, Esq. (44:36.076) Yeah, weird. Never had that happen.   Seth Bradley, Esq. (44:42.038) Not a big deal, we can splice it together, but let's see if we can get your camera working again.   Eli Facenda (44:46.992) Don't see my camera get help. Is the audio coming through okay? Did it switch over there to my MacBook from the other one? Or it sounds the same.   Seth Bradley, Esq. (44:51.564) Yeah, I can hear the audio.   Seth Bradley, Esq. (44:57.806) I don't know. All I see is like a car. It's like I don't know. It's a card with a symbol on it I wonder what that is that riverside or is that your symbol? I can't be your symbol   Eli Facenda (45:06.556) weird. Get help.   Eli Facenda (45:12.006) Let me see.   trying to check this out.   Seth Bradley, Esq. (45:19.458) We can also just finish it with audio.   Eli Facenda (45:23.556) Is it, Dude, I don't know what's going on. Sorry about that. I've never seen...   Seth Bradley, Esq. (45:28.654) no worries, dude. We can just finish it with audio anyways.   Eli Facenda (45:31.63) New recording track created the participants have been recorded.   Issue device struggling to record. High load on your device. Try closing all other apps. Give me one second. I don't have any apps open. That's really weird.   Eli Facenda (45:53.126) Yeah, I don't know man. I apologize. I Okay, well yeah   Seth Bradley, Esq. (45:57.219) you're good, We'll just finish an audio and then I'll pull up for the video. I'll just black screen to a logo or something. So all good. I don't exactly know where you're at. If you want to start that sentence over.   Eli Facenda (46:04.048) Okay, cool.   Eli Facenda (46:07.866) Yeah, I'll just, I'll say, I'll just start. So yeah, so not only have we really walked the walk with actually living what we preach, but we also understand that psychology of what it's like to be a business owner, your limitations on time and complexity and all that stuff. And because we're talking about travel, people also want to know like what's actually in store for me in this destination. I've been to 50 countries now and my business partner has been to almost 100.   We have other team members who are all over 30, 40, 50 countries. So we've been to a lot of the destinations around the world that we're advising people to go to. So we know the ins and outs, best places to stay, hidden gems, top restaurants, stuff like that, that really add another layer of personalization and true experience into the service. So I think those are the things that really make us most credible in this space.   Seth Bradley, Esq. (46:57.506) Dude, it's so important, right? Like there's so many, you know, there's so much content out there now. There's gurus and coaches and mentors, whatever you want to call them. Like the ones that are truly valuable and that people should pay attention to are the ones that are actually practicing what they preach, right? The ones that aren't just selling you education or aren't just selling you a product. Like they're actually, they've done what they're selling and they continue to   enjoy or do what they're selling.   Eli Facenda (47:28.635) 100%, yeah, if you're a living embodiment of what you do, it makes it that much easier to communicate it and sell it because you just are the thing you're selling.   Seth Bradley, Esq. (47:38.764) Yeah, absolutely. What's one thing someone listening could do today to get 1 % closer to their dream life?   Eli Facenda (47:45.089) One thing that would be the easiest is to spend 30 minutes, go on Instagram, go on your favorite social media site, go on some travel blog site, look for your dream destination, then pull up your calendar and put a time on the calendar where you're committing to go. One of my favorite quotes is from Tim Ferriss, I forget the exact quote, but basically the idea is that if you don't schedule your fun first, it won't happen.   because your business and your life will take up as much space as you allow it to. So most people find that I'll take the trip when it's convenient. I'll take the trip when I have more time. That time is never coming until you make it a priority. So the one thing they can do to get closer to their dream life is to just make a more bold commitment to putting the time on the calendar and be like, I am going and make some sort of investment, whether you're telling someone, whether you're putting some money down, whether you're learn the point stuff, that's gonna be the biggest leverage you can make.   to make sure that you actually follow through on taking these trips and then you'll find how to get there on points if you need to from there.   Seth Bradley, Esq. (48:50.766) 100 % man, gotta put it, people, entrepreneurs, people like us, we work in all the time, you've gotta put it, put it in your schedule. You've gotta block it out, commit to it.   Eli Facenda (48:59.821) Absolutely, 100%.   Seth Bradley, Esq. (49:04.554) Alright dude, I think we got it wrapped up, man.   Eli Facenda (49:05.743) Beautiful. Awesome, Dan. Well, this was super fun and I apologize agai

Ann Rose is a farmer living off the grid in rural North Carolina, where she's spent most of her life deeply connected to the Appalachian Mountains and forests. After a series of droughts made farming more difficult, she found herself stuck and ready for change. At 58, she set out to kayak from North Carolina to the Gulf of Mexico. The journey brought unfamiliar waters, unpredictable weather, and more than a few alligators.Connect with Ann: InstagramTikTokYouTubeThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Terns — used code “WILD” at checkout to receive 25% off your first order.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Mary Ellen and The Wonderland on Points Podcast03:35 First redemptions and early mistakes booking via portals04:30 Switzerland trip that convinced her husband of points value08:00 Flights overview – Air France business class with Amex MR09:25 Return flights – Iberia business class via Madrid + transfer bonus10:45 Layover in Madrid and surprising their son with a soccer jersey11:45 Using positioning flights within Europe with no extra points12:45 Why Air France is family-friendly13:30 Hotel 1: Lausanne Palace via Amex Fine Hotels & Resorts14:55 Hotel 2: Interlaken hotel with Capital One credit15:55 Hotel 3: Paid using Hotels.com gift cards via Fetch16:20 Hotel 4: Mount Pilatus mountaintop splurge 17:35 Hotel 5: Zurich Hyatt Place using Chase points17:55 Using maxfhr.com and strategy for choosing $200/night 19:25 Capital One Travel portal tips & 10x point earnings21:45 Upcoming France trip booked with Capital One Travel22:15 How she earned $200+ in Hotels.com gift cards via Fetch23:00 Fetch strategies – referrals, receipts, game hacks24:00 Fetch = free Starbucks or long-term savings for travel25:45 How they avoid budget blowouts by prepping menus and prices26:45 Using Swiss Travel Pass to cover transport and museums27:45 Saving on rainy day activities with free museum access28:25 Budgeting for big excursions like paragliding29:20 Paragliding Interlaken – why they picked a reputable company30:30 Don't skimp on safety with skydiving, LASIK, or paragliding31:15 Visiting Crash Landing on You K-drama filming locations32:45 How the show created a tourism boom in Switzerland33:30 K-drama favorites: Extraordinary Attorney Woo, Vincenzo, Good Boy34:20 Final tip: pick a dream trip to guide your points strategy35:00 Where to find Mary Ellen online and request her Switzerland itinerary35:45 Closing reflection and full-circle podcast momentYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelYou can find the Wonderland on Points Podcast at:➤ YouTube: https://www.youtube.com/@WonderlandonPointsPodcast Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Ralph and the crew spend the whole hour with Omer Bartov, professor of Holocaust and genocide studies at Brown University, who grew up in a Zionist home, lived the first half of his life in Israel, served in the I.D.F. as a soldier and officer and is the author a New York Times op-ed entitled “I'm a Genocide Scholar. I Know It When I See It.” Plus, Ralph pays tribute to legendary Washington Post reporter, Morton Mintz.Omer Bartov is a professor of Holocaust and genocide studies at Brown University. He has written widely on modern Germany, France, the Holocaust, and representations of war and genocide. He is the author of the Mirrors of Destruction: War, Genocide, and Modern Identity, and the forthcoming book, Israel: What Went Wrong?, and he's penned a New York Times op-ed entitled “I'm a Genocide Scholar. I Know It When I See It.”I published an op-ed in November 2023, and I said there were war crimes, clearly, crimes against humanity, and this will become genocide if it's not stopped. And the Biden administration at the time did nothing. President Biden could have stopped that within two weeks. The Israeli military machine cannot function for more than two or three weeks without constant supply of munitions, without constant supply of financial help, and most importantly, without a diplomatic Iron Dome, especially in the Security Council.Professor Omer BartovIf you say that you are shutting down speech because of anti-Semitism, who are the people who are pushing that? It must be all kinds of Jewish interests that are pushing that. And in that sense, this false campaign against anti-Semitism – some of whose leaders are people with pretty good anti-Semitic credentials themselves – is the best way to raise, to promote and incite anti-Semitism.Professor Omer BartovThere's no moral responsibility, there's no empathy being shown, and much of the population shares that view. To me, as someone who was raised in Israel, spent half of my life there, served four years in the army, to see my own society (including some of my friends) show this kind of moral callousness is frankly quite heartbreaking. And I have to say, it's the result of a long process. It's not only a response to October 7th, it's the result of six decades of occupation, of thinking of Palestinians as not really people who have any right to have rights or any right to health, to security. And in that sense, that long-term occupation has corrupted much of Israeli society. And maybe the most surprising thing is that there's still extraordinary people there who are fighting against that, but their numbers are diminishing, not growing.Professor Omer BartovMorton Mintz was hands-down the greatest consumer reporter of his generation. He opened up one field after another because he had a special sense of newsworthiness that other reporters and editors didn't have. He opened up the coverage of the pharmaceutical industry. He opened up the coverage of the auto industry. And he did so with such formidable documentation and research that other reporters started following the same subject area. So he was a pioneer.Ralph NaderNews 8/1/25* Crusading environmental lawyer Steven Donziger has published a new report in the left-wing outlet Orinoco Tribune on the undercount of the dead in Gaza. In this piece, Donziger uses the statistical model laid out by the prestigious medical journal The Lancet in their 2024 study on the Israeli military campaign, which found the direct and indirect death toll could be as high as 186,000. The Lancet study found that as many as 732 Gazans died every day from these direct and indirect causes. Multiplied by the 594 days the conflict has dragged on, this would equate to a death toll of 434,800, or 20.7% of the enclave's population. As Donziger notes, “If the same level of killing and indirect death that took place in Gaza…happened in the United States proportional to population, roughly 70 million Americans would have been killed.”* In more Gaza news, the Guardian reports that, “On Saturday night, the…IDF…intercepted and boarded the Handala, an aid ship that attempted to reach Gaza as part of the Freedom Flotilla Coalition…According to the coalition, IDF soldiers beat and choked…labor activist Chris Smalls.” The severity of the attack on Christian Smalls – founder of the independent Amazon Labor Union (ALU) – caused international outcry. From the Guardian report, “Smalls was physically assaulted by seven uniformed individuals. They choked him and kicked him in the legs, leaving visible signs of violence on his neck and back.” The incident also drew criticism for another reason: Smalls was the only Black person on board the Handala. While 21 members of the Flotilla group were detained, in their words ”abducted,” “This level of force was not used.” It is unclear why this level of force was used against Smalls and Smalls alone, other than the color of his skin.* Yet more tragic news from Gaza concerns the death of Odeh Hadalin, the 31-year-old Palestinian activist and English teacher featured in the Oscar-winning documentary No Other Land. Al Jazeera reports that footage taken by Israeli human rights group B'Tselem “appears to show [Israeli settler Yinon] Levi opening fire on Hadalin during a confrontation in the village [of Umm al-Kheir, south of Hebron].” Levi, already sanctioned by the European Union and the United States over past attacks on Palestinians, reportedly told witnesses he was “glad about it.” Despite all of this, an Israeli court has released Levi on house arrest. Basel Adra, who co-directed No Other Land with Yuval Abraham, wrote “This is how Israel erases us — one life at a time.”* One positive development is in progress however. According to the Embassy of France in the United States, "France is prepared to fully recognize the State of Palestine, and will do so in September." French recognition of the Palestinian state, will If it ultimately comes to pass, have major ramifications on the world stage. While 147 member states of the United Nations have recognized Palestine, only 10 out of 27 EU countries have done so, mostly former Eastern Bloc states like Bulgaria, Hungary, Poland, and Romania, along with the former country of Czechoslovakia. The modern country of Slovakia has reaffirmed their recognition; Czechia has not. In 2024, several more European nations extended recognition, including Norway, Slovenia, Ireland and Spain. France however would tip the permanent members of the United Nations Security Council to a 3-2 majority in recognition of Palestine, along with Russia and China. Moreover, AP reports the United Kingdom is now saying they will “recognize a Palestinian state in September unless Israel agrees to a ceasefire in Gaza,” among other conditions. If this happens, The permanent members of the Security Council would be split 4-1, with the United States as the lone holdout. This would be nothing short of an international relations sea change on the question of Palestine.* In some more positive foreign policy news, Jeremy Corbyn's new party in the U.K. is getting started with a bang. According to the man himself, over 600,000 people have signed up to register with the new party, which describes itself as “a new kind of political party. One that is rooted in our communities, trade unions and social movements. One that builds power in all regions and nations. One that belongs to you.” Polls show this new party in the lead among Britons aged 18-24 and Corbyn leading Labour Party leader Keir Starmer by “Almost Every Metric,” among members of the rightwing populist Reform Party. That said, the Reform Party is still projected to win an overwhelming victory compared to all other parties in the next elections, though those are not expected to be held until 2029.* In Congress, Bernie Sanders forced a vote Wednesday on two new Senate resolutions to block arms transfers to Israel. Resolution 34 would “prohibit the U.S.-taxpayer financed $675.7 million sale of 201 MK 83 1,000-pound bombs; 4,799 BLU-110A/B General Purpose 1,000-pound bombs; 1,500 Joint Direct Attack Munition (JDAM) guidance kits for MK 83 bombs; 3,500 JDAM guidance kits for MK 83 bombs; and related logistics and technical support services,” while Resolution 41 would “prohibit the sale of tens of thousands of fully automatic assault rifles.” These resolutions got the support of 27 Senators, a new record and a majority of the Democratic Senate Caucus, but still far, far short of even a simple Senate majority. Perhaps a more portentous development is that Georgia Congresswoman Marjorie Taylor Greene this week became the first Republican in Congress to call the crisis in Gaza a “genocide,” according to the Hill. It remains to be seen whether this will help break the dam on that side of the aisle.* In New York City, new polling shows stunning results for Zohran Mamdani. The new poll conducted by Zenith Research and Public Progress Solutions shows Zohran dominating the 5-way race, earning 50% and beating out the other four candidates combined. Mamdani does even better in head-to-head matches against disgraced former Governor Andrew Cuomo and corruption-dogged incumbent Mayor Eric Adams. The crosstabs are even more astonishing. Despite the breathless and baseless accusations of antisemitism, Zohran is winning 67% of Jews under age 45 and a whopping 85% of men ages 18-34. This second number is key as Democrats struggle to attract young men. One warning sign: a recent Pew poll shows Republicans with an 18-point lead among men in the Gen Z cohort.* In an ominous challenge to the separation of church and state, the Hill reports President Donald Trump released a memo Monday allowing federal employees to “attempt to persuade co-workers about why their religious beliefs are ‘correct.'” This memo cites “crosses, crucifixes and mezuzah,” as displays of religious indicia that should not result in disciplinary action. This bizarre and constitutionally dubious policy seems likely to lead to workplace discord.* In more Trump news, CBS reports Trump has ousted “Two top Justice Department antitrust officials.” According to sources, two deputies to Assistant Attorney General Gail Slater, who leads DOJ antitrust efforts, were “placed on administrative leave last week and fired on Monday for insubordination.” These two figures are Roger Alford, principal deputy assistant attorney general, and Bill Rinner, deputy assistant attorney general and head of merger enforcement. It is not clear why exactly Alford and Rinner were pushed out, but there has apparently been substantial strife within the administration over the antitrust cases against T-Mobile and Hewlett Packard Enterprise. AAG Slater is also overseeing antitrust lawsuits against Capital One, Apple, Google, and other major companies.* Finally, Wired reports the small Pacific island nation of Tuvalu is planning the first migration of an entire country. Tuvalu, which could be completely submerged by rising sea levels within the next 25 years, is seeking to resettle 280 Tuvaluans in Australia each year. This climate-driven mass migration is a stark sign of things to come if the international community continues to dither or deny the reality of the oncoming climate catastrophe. Today Tuvalu, tomorrow the world.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Bitcoin just hit all-time highs during Crypto Week, but what comes next? We break down the aftermath of the surge, what it means for digital currency adoption, and whether stablecoins or BTC could ever replace the U.S. dollar as the global reserve currency. Plus, we revisit the $20K Bitcoin bottom call from 2022 and ask—what's the next “load-the-boat” price for the 2026 cycle?Netflix just announced that its ad-supported tier is set to double revenue in 2025, yet the stock slipped 5%. Is the market finally getting more disciplined with high-growth valuations, or is something deeper going on? We also talk about potential summer pullbacks in the stock market, and whether earnings week from companies like Capital One and Texas Instruments will reveal cracks—or hidden strength.John Hope Bryant joins the conversation live to talk about Black business growth, AI, real estate, politics, and building wealth that lasts generations. He shares actionable insight on mindset, ownership, and how to navigate today's economy with power and purpose.Invest Fest Ticket Link: https://investfest.com#InvestFest #OperationHOPE #JohnHopeBryant #BlackBusiness #EntrepreneurLife #BusinessGrant #BusinessMentorship #LevelUp #SmallBusinessSupport #1MBBOur Sponsors:* Check out PNC Bank: https://www.pnc.comSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy