Podcasts about Capital One

Lise Wortley retraces the footsteps of historical women explorers whose achievements have long been overlooked. To fully immerse herself in their experiences, she replicates the clothing and equipment used over a century ago, avoiding modern gear to see the world as they did. Through these journeys, she shines a light on their remarkable stories and brings their legacies back into focus.Connect with Lise: Website Instagram Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® Ocean Bottle 

This episode is all about your questions—and real answers. I'm back with another listener Q&A, tackling the exact points and miles decisions you're working through right now. Ever feel like you're making credit card decisions in a vacuum? From wondering if it's time to add Capital One or Mesa to your rewards card portfolio, to recovering from redemption regret, I'm walking through the strategy behind each question so you can move forward with more clarity and confidence. We'll cover how to think about applying for “no lifetime language” Amex offers, why you might want to move credit lines between Chase cards, and what to do when your points plan feels a little off-track. This episode is packed with honest takes, strategic insight, and practical tips grounded in real-life scenarios.   Get full show notes and transcript: https://pointmetofirstclass.com/listener-qa-credit-card-points-strategy-2025/ Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! https://docs.google.com/forms/d/e/1FAIpQLSeAPfb3wIaphMn_NoQzm_fljydsivTELQwh7pYoxrI2uTFoKQ/viewform?usp=header  Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Jim says this credit card giant is a buy. Become a CNBC Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks as they talk candidly about the market's biggest headlines. Signup here: cnbc.com/morningtake CNBC Investing Club Disclaimer

MRKT Matrix - Friday, June 27th S&P 500 turns negative, retreats from record after Trump ends Canada trade talks (CNBC) Core inflation rate rose to 2.7% in May, more than expected, Fed's preferred gauge shows (CNBC) US Consumer Spending Drops in May, Price Pressures Remain Muted (Bloomberg) US Consumer Sentiment Climbs as Inflation Expectations Improve (Bloomberg) Fed's Kashkari Sees Two Rate Cuts This Year Amid Tariff Unknowns (Bloomberg) China confirms details of U.S. trade deal (CNBC) Treasury Deal Kills ‘Revenge Tax' That Spooked Wall Street (Bloomberg) It's a New Era for Capital One. Amex and Chase Are in Its Sights. (WSJ) Microsoft's AI Chip Effort Falls Behind (The Information) Uber in Talks With Its Founder, Travis Kalanick, to Fund Self-Driving Car Deal (NYTimes) -- Subscribe to our newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://riskreversalmedia.beehiiv.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠ MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs

In this episode of Quick Hits, DeAndre Coke unpacks the latest developments in the points and miles space—from sweepstakes to shocking benefit changes. He highlights a massive 1 million-mile Capital One sweepstakes in partnership with The Points Guy, as well as a record-high 175,000-point welcome offer from American Express. DeAndre also explains how it looks like ZilMoney is back with the ability to process credit cards for payroll, after a long awaited hiatus.But it's not all good news: DeAndre breaks down the loss of the 35% rebate on the Amex Business Platinum and previews a major overhaul coming to Amex cards this fall. He also outlines current transfer bonuses between programs, such as Amex-Hilton, Chase-Marriott, and Avios, and provides practical advice on when these transfers make sense. It's a fast, insightful roundup of what's happening now in the rewards world—and what savvy travelers should watch out for next. Learn more about how processing a credit card for payroll works hereKey takeaways: Capital One Sweepstakes: The Points Guy is giving away 1 million Capital One miles to one lucky winner.Historic Amex Offer: Amex Personal Platinum is offering a record-high 175,000-point welcome bonus.Business Platinum Downgrade: Starting September 18, the 35% Pay with Points rebate will be limited to your selected U.S. airline.Amex Card Refresh Coming: A major overhaul for Platinum and Business Platinum cards is expected this fall, likely including higher annual fees.Transfer Bonus – Amex to Hilton: Up to 25% bonus on transfers, boosting the typical 1:2 ratio to 1:2.5.No Hard Pull on Amex Apps: You can view approval status and bonus offers without triggering a hard credit pull.More Amex Changes Coming: Expect more statement credits, added complexity, and potential card design updates.

Welcome to the Wild Ideas Worth Living Summer Camp Series! In these bonus episodes, we're exploring camping beyond the traditional tent—from bikepacking and packrafting to camping with kids and dispersed car camping.Today, we're diving into the world of water-based camping with MAK and Owen, the founders of Bound For Nowhere— a popular adventure blog, social media community, and storytelling brand. Gear & Apparel Mentioned: The Packraft HandbookPackraftDeconstructed paddleHelmetRopeDry bagsPFD: Men & Women's KnifeRepair kit: Tenacious Tape, Tenacious Tape mini patches, and Aquaseal AdhesiveCompact Rescue Throw BagBedrock sandalsLong sleeve with a hood Rain shellBroad hatSunscreenConnect with MAK & Owen: WebsiteInstagram Listen to Camp NowhereWatch How To Pack For Packrafting Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® 

Episode 60: Show Notes This year, only one of us had a Memorial Day trip, at least on a plane, and this episode is all about that! This trip also marks Trevor's family's first international long-haul trip since January of this year. From their experience at the Centurion Lounge at Washington, DC's Reagan-National airport, to managing flights with a toddler, Trevor shares the highlights. We start with Tom's fishing trip to Chesapeake before diving into Trevor's vacation, which began on a boat and continued with a JetBlue flight to Madrid via Boston. He talks about lounge experiences, including Capital One and Chase Sapphire, and offers tips for handling naps and meals in-flight. In Madrid, Trevor shares why this visit topped previous ones, from the Thompson hotel to great food. The family then flew to Valencia on Air Europa, explored major sites, stayed at Palacio Santa Clara, enjoyed paella, visited the zoo, and saw local protests. The trip ended with a stop in Frankfurt and a return to New York on a Spontaneous Escapes deal from Singapore Airlines. Tune in to learn what he enjoyed most, what he would do differently, and what he most recommends to listeners. Key Points From This Episode: [00:42] Tom's fishing trip to Chesapeake and the beginning of Trevor's Memorial Day vacation on a boat. [04:33] Trevor and his family's experience of their first long-haul flight since January.  [09:15] Capital One Landing Lounges, the Jet Blue trip to Boston, and his experience at the Chase Sapphire Lounges. [16:30] The Jet Blue Trip to Madrid, timing his daughter's naps, and meal logistics on Jet Blue.  [22:55] Why this experience of Madrid was even better than before and his experience of The Thompson. [24:37] Dining experiences in Madrid, parks, and other activities Trevor's family enjoyed. [28:48] Highlights and lowlights of Valencia which Trevor travelled to on Air Europa.  [33:15] Three incredible architectural sites his family was able to see. [38:26] Staying at the art hotel, Palacio Santa Clara, eating paella in Valencia, and a visit to the zoo. [47:15] Coming across protests in Valencia and visiting the old market before flying to Frankfurt. [51:54] The Valencia Airport and flying Lufthansa to Frankfurt. [56:08] What Trevor is considering for his next trip to Madrid and what he loved about it. [58:25] Taking the Spontaneous Escapes Offer from Singapore and getting back to New York.  Quotes: “One of the great advantages of travel is to be able to see some of mankind's amazing achievements in the arts, and architecture is definitely one of them.” — @TktweetsKim [38:17] “Valencia is known for [its] paella, and it is truly incredible.” — @tmount [39:47] “If you're going to Spain, put Valencia on your list, and if you've got kids, put the Bioparc in Valencia on your list.” — @tmount [46:24] “The city is just so incredibly walkable in Madrid.” — @tmount [56:37] Links Mentioned in Today's Episode: Hyatt Regency Madrid Biopic Valencia Puerto de Indias Palacio Santa Clara Queen Sofia Palace of Arts Musee de les Ciences Air Europa Travelstories Episode 8 El Retiro Park El Calamar Chase Sapphire Airport Lounges Jet Blue Capital One Lounges Thomas Kim on X Trevor Mountcastle on X The Milenomics Podcast Network

How can AI and smarter payments help hospitality procurement teams reduce friction, cut costs, and unlock strategic value?In this episode of dojo.live, we sit down with Phil Beck, General Manager of Payments, and David Schloss, General Manager of Payments at BirchStreet Systems, to explore how AI and digital transformation are reshaping procurement in hospitality. Often overlooked in the guest-facing tech conversation, procurement and payment systems are ripe for innovation—especially as hotels face growing complexity in payments, fraud risk, and supplier networks.Phil and David break down where AI is already making an impact, how smarter workflows are streamlining operations from invoice to reconciliation, and why procurement technology can drive broader business goals—from cost control to ESG compliance to guest satisfaction. They also share what BirchStreet is showcasing at HITEC 2025, the evolving role of ecosystem partnerships, and the future trends the industry isn't paying enough attention to—yet.About Phil BeckPhil Beck has been at the forefront of payments and technology for more than twenty-five years, serving in senior executive roles at Capital One, SAP, Ariba and FreeMarkets. He has launched and scaled multiple payments platforms serving as Head of Treasury Management for Capital One, as SVP and GM for SAP's payments and business network and multiple card, real-time settlement, dynamic discounting and working capital finance solutions across the US, EMEA and APJ. He has been a mainstage speaker at Money2020, AFP and PYMNTS.com and is regularly sought out by innovative payments companies to develop next-generation solutions to solve B2B use cases around the world.Beck has also served as a board advisor for Series A-C companies in the payments space, including most recently at Trovata.io, Transactis (acquired by MasterCard) and Apparent Financing (an SAP.io company), and as a non-profit board member and advisor across Western PA.About David SchlossDavid Schloss comes to BirchStreet with more than 20 years of SaaS experience. He is an accomplished leader with a proven track record of leading and transforming revenue teams to achieve accelerated growth. His teams pride themselves on collaboration, transparency, execution, and having a customer-centric mindset.Previously David worked at ADP, Convergys, Oracle, and most recently Vice President and General Manager of North American Sales at Certinia, delivering over 60% revenue growth.

Today on another Midweek Mini—road trip edition—we're bringing you a total gem for our Midwest listeners! Bentonville, Arkansas might not have been on your radar before, but it definitely will be after this episode. This small town is packed with surprises: world-class art at Crystal Bridges, a walkable downtown filled with charming shops and restaurants, incredible bike trails, and some seriously impressive food. Whether you're a history buff, foodie, art lover, or just need a peaceful weekend away, Bentonville truly has something for everyone. We walk you through where to stay, what to eat, and all the best things to do to make the most of your visit to this historic and unexpectedly cool destination.Submit Your Summer Road Trip Series Story HEREFacebook GroupFind Us On InstagramMary Ellen | JoHelpful LinksBentonville Interactive MapAffiliate LinksOur personal links may not YET reflect the elevated sign up bonus- but they will shortly! Thank you for choosing to use our links! These links can be used for ANY of the Sapphire cards.Mary Ellen's Chase Sapphire LinkJoanna's Chase Sapphire Link30% off the CardPointers subscription!Credit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Sean Jansen, a lifelong surfer and adventurer, standup paddled over 1,000 miles along the coast of Mexico's Baja Peninsula with his camping gear, food, and camera strapped to his board. His goal was to document the journey and raise awareness about the vaquita, an endangered porpoise native to the region.Connect with Sean: Website InstagramPurchase Sean's book, Paddling with PorpoiseThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Ocean Bottle 

BOSSes Anne Ganguzza and Tom Dheere, your "real bosses" and co-hosts, connect to dive deep into the critical world of online security and scam prevention for voiceover professionals. They unpack Tom's recent harrowing experience with an AI voice cloning scam, offering a candid look into the crucial insights needed to navigate digital threats and build a truly secure business in today's landscape. Listeners will discover the essential role of vigilance and proactive measures in protecting their assets, gain an understanding of emerging scam tactics, and appreciate the power of community in safeguarding their careers. Anne and Tom also discuss practical pathways for secure transactions and the evolving nature of digital defense.   00:01 - Anne (Host) Hey guys, it's Anne from VO BOSS here.  00:04 - Speaker 2 (Announcement) And it's George the Tech. We're excited to tell you about the VO BOSS. Vip membership, now with even more benefits.  00:10 - Anne (Host) So not only do you get access to exclusive workshops and industry insights, but with our VIP plus tech tier, you'll enjoy specialized tech support from none other than George himself.  00:22 - Speaker 2 (Announcement) You got it. I'll help you tackle all those tricky tech issues so you can focus on what you do best Voice acting. It's tech support tailored for voiceover professionals like you.  00:32 - Anne (Host) Join us guys at VO BOSS and let's make your voiceover career soar. Visit voboss.com slash VIP-membership to sign up today.  00:45 - Speaker 3 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO boss. Now let's welcome your host, Anne Ganguzza. Hey, hey, everyone, welcome to the VO BOSS Podcast.  01:04 - Anne (Host) I'm your host, Anne Ganguzza. Hey, hey everyone, welcome to the VO BOSS Podcast. I'm your host, Anne Ganguzza, and I'm here with my real boss, Tom Deere. I had to think about that, Tom. We've been together so long. I was like what is our subtitle here? We are real bosses.  01:20 - Tom (Host) Yeah, we're real bosses. Thanks for having me back, Anne.  01:23 - Anne (Host) How are you doing, Tom, my real boss? Co-host.  01:26 - Tom (Host) All things considered, I'm doing okay, I had a weird experience recently which it seems like a lot of voice actors are experiencing. I got an email from someone expressing interest in wanting to cast me for a voiceover project. Oh yes, I looked at it and it was this long-form project, something like 9,000 and change words. And I looked at it and I'm like and you know I was reading the ins and outs of it and I'm like, huh, like my spider sense was tingling a little bit, but I'm looking at, I'm like this one is worth replying to and getting some information about.  02:00 So there was a little bit of back and forth about it.  02:03 - Anne (Host) So you did reply, and then there was.  02:05 - Tom (Host) There was more conversation.  02:06 - Anne (Host) Yeah, there was more conversation, which is what I always do when I'm trying to find out more information about a job to make sure it's legit.  02:12 - Tom (Host) Right Now, around the same time, maybe a couple of days after that, someone posted on a Facebook group hey, I got this email. It was saying this and this Did anyone else get it? Does it seem legit? And it looked like it was the same email that I had gotten, so I was following that it turns out.  02:28 It was posted by our friend, bridget Real, who is the co-founder of VA for VO, the virtual assistant site that helps voice actors, and we talked about it a little bit and we're both like, yeah, we're going to keep digging a little bit and see what's going on. And then her business partner, lynn, also got the email and I was getting ready to accept it just to see what would happen. And that morning I got a message from her saying hey, did you accept this project? Yet I'm like no, why? And she said because both of us accepted the project. We both got cast for the same exact project. We both got the same exact script. They sent me the script.  03:00 So then I did this. I went to Gemini, google Gemini, which is my AI bot of choice, and I did the prompts. I said you are an expert at detecting scams. Please analyze this script and let me know if you think that this script could be used to harvest a voice actor's voice to clone it. A voice actor's voice to clone it. And it did its analysis and I've got like the 2.5 advanced. So it takes a little time. And it wrote back oh, yes, it does. And here are all the reasons why this, this, this, this, this, this and this. And then I sent that information to Bridget and Lynn and they're like we knew it. We knew it. So then she created a wonderful post on LinkedIn talking about it. And then I wrote a blog with all the information and, like what happened, it was the most read blog I've had in like three years or something like that.  03:52 Yeah, it was crazy.  03:53 - Anne (Host) What's so interesting is it could have been a legit job, like for payment. You would have done it, they would have paid you for it, but they would have used your voice as an AI voice.  04:05 And so therefore, legally right in the end. Right, if you found out later on they could say, oh no, no, no, we paid you. I mean, it was a job that we paid you for and there was no extenuating circumstances or contracts to be signed which, by the way, I'm going to bring up Nava and the AI writer For all your jobs. You should be attaching that AI writer so that your voice is not going to be used as an AI voice, for sure, for sure.  04:37 - Tom (Host) So, to let everybody know, the website was GigLumin G-I-G-L-U-M-I-N. And if you do a Google search of GigLumin and this is what Bridget had figured out is that the website was only a month or two old. And there's these scam websites that you can enter the URL of a website in and it can tell you how likely that's a scam. It checked every red flag, every box, every single box.  04:56 - Anne (Host) So, yes, vo people, bosses, beware, right. So beware of emails. And you know, it's funny because it's lately, just because of the whole AI thing. Anytime I get an email with a job from someone that I don't know, right, that is just out of the blue, that I didn't audition for, where they have large amounts of words, the hairs on the back of my neck kind of stand up and I immediately, immediately check into it. And I think this really warrants a discussion, bosses, because it's very timely that you want to make sure that these jobs are legitimate. So the more research you can do. And I love, Tom Dheere, how you used AI to fight AI Again.  05:37 We had our previous episode on tools that we use. I mean, we are utilizing it as a tool to help us in our day-to-day jobs, and so I think, being aware of possible scams out there, we absolutely have to be, and I'll tell you if it's somebody that I've never heard of and they don't have a signature file. I've gotten to the point where I don't even like and it's not like from a company.com. I don't even literally take it seriously anymore. I don't know about you, Tom, what do you think?  06:05 - Tom (Host) Yes, I'm equally skeptical these days but, I, really like what you said about when you receive the email, check to see if there is a signature at the Tom of it with the company logo, website and contact information. That is one of many red flags and I don't know how much you've noticed lately, Anne, but since I would say about early April, there has been an explosion of scam attempts going on in the voiceover industry. We've had the overpayment scam. That's been going on for at least 10 or 15 years.  06:37 - Anne (Host) Gosh, at least, and bosses. If you haven't heard about it, Tom, let's talk about the overpayment scam for just a minute. Yeah, yeah, Okay so what happens is it's very common.  06:45 - Tom (Host) It's very common. It's been going on for a really long time. So basically they email you and say hey, we've got a project for you, da-da-da-da-da-da. The classic one was the game show host voiceover.  06:55 - Anne (Host) It has since evolved.  06:56 - Tom (Host) And basically they say that we've booked a studio in the area nearby. We're going to get paid or pay for the studio and then send us back the difference and something like that. And it's never a gig.  07:12 - Speaker 2 (Announcement) All they're trying to do is get you to cash that check and send them money, which is fraudulent, by the way.  07:18 - Anne (Host) And, by the way, I've gotten to the point where, if I have a new client, the only way they can really pay me is electronically.  07:25 And I figure, if you don't have electronic means to pay me immediately before the job and it's even in my terms and I've done this for years, Tom, I always have payment in full prior to job start is appreciated and other options available upon request.  07:39 But if it's a new client, I'll take that out because I must have that money in my bank account before I will even consider finishing that job or sending a file. And I'll tell you what, Tom for all of my career it's worked for me Because if people are serious about hiring you, they know that you're a professional, they know that you're going to get the job done. Of course they have to put their faith in you. But in reality and I'll even say because you're a new client I require payment up front electronically. And here are the ways that you can pay me. And so I'll send them, like a QuickBooks invoice, or I'll give them a PayPal account or however that works, and I expect that money in the account and I wait for that money and I make sure that I have the money and then I'll proceed with the job.  08:21 - Tom (Host) That's a really good idea. There's nothing wrong with even asking for 50% or 25% or just some percentage of it. The fact that they're actually going to fork over money with no expectation of an overpayment or getting it back or disputing the payment or anything like that.  08:37 Once it clears, you know that they're serious. And there's a bunch of like. I use Wave apps, for example. That's a great way to do it and I'm pretty sure they can do a partial payment. Or you can just make one invoice just for the deposit and then issue another invoice for the balance If they're a legitimate client that actually has money that they're planning on paying you with, they would have no problem with paying at least a portion of it up front.  08:59 - Anne (Host) Yeah, a lot of my clients nowadays the larger clients that used to like work off of purchase orders, and then it would be like 90 days after the job has been submitted. We'd have to wait for that check, they'd have to generate the PO and everything. You'd sign contracts like vendor contracts and that sort of thing, which I've done a lot, and so if they've got a contract for you to sign, that's vendor, nda, that sort of thing, and you know the company. It's like a well-known company. They're on the web. They've been on the web for years. I mean you can pretty much trust in that where I'll do the job and then I'll get paid. If I've worked with them before, I know that's typically how larger companies work and so that's when I'll accept a check. But even now most of those companies they're going to electronic deposit, like ACH they call it.  09:42 ACH, yeah, so it's direct deposit to your bank and most of the companies I know will do that and that's a form of payment that I trust and that would be a client that I would trust. So if it's a larger company that I know they exist on the web and they talk about, well, you're going to have to do the job first and then we'll be able to pay you once the purchase order is created, blah, blah, blah, blah, and you sign these contracts. I feel fairly good about that and I don't have to think, oh, this is a scam. But whenever I get an email without an actual signature file that comes from an address that isn't companycom, right, if it's a Gmail or a Yahoo or whatever, even a Microsoft what is the free Microsoft one?  10:20 Hotmail, hotmail, yeah, even if it's Microsoftcom, I feel like there's some sort of free sort of Microsoft. You know what I mean Like email that says that I just don't trust it and I'll immediately. The first thing I'll do is look for a website and when I get to the website I'll look for a phone number and then I'll actually try to call that phone number. What are the steps that you take, Tom, to ensure that your job is legit?  10:41 - Tom (Host) Everything that you just said. I also, by the way, I do love the ACH direct deposit because there's no fee. When PayPal, there is a fee, or wire transfer. That's really nice. Here's one thing that I've been doing lately is, if I get a we'll call it a solicitation, for lack of a better term from a company saying hey, and it'll most often be we found you on Google, we found you on Voice123 or some other front-facing thing. You know what's an interesting thing to do? Go look for them on LinkedIn.  11:11 Look for them on LinkedIn. Look for the company and look for the individual and see if you have any mutual connections. I mean, it could be anybody, whether it's a voice actor or somebody in some other profession, and you can reach out on LinkedIn and say, hey, I got an email from this company and you have a connection with them on LinkedIn. What's your experience with them? And that could give you some really quick insight. Sometimes it's just like, oh, I've been working with them for years, or it's oh, they're a huge scam. I forgot to disconnect with them. Run, run, run. Or I'd sent a rando invite, or they sent a rando invite and I don't have any information for you. But it could increase your chance of vetting them a little bit better. Another thing is that I keep an eye out, for is if they ask me to send them a W-9, the more likely that they are legitimate.  12:00 Yeah, yeah, absolutely, which I find interesting because if they were a real, true scam artist, they would want that W-9, because now they would have your social security number and now they can steal your identity too.  12:11 - Anne (Host) Well, oh my gosh, Tom, and that's scary actually, but that's why you don't put your social security number. You put your EIN number, because you're a company right, and you don't have to give up your EIN number, which is, by the way, one thing. I'm glad you mentioned that like we should all be having an EIN number. I'm glad you mentioned that, like we should all be having an EIN number.  12:30 - Tom (Host) Yes, it's very, very simple to get. It takes very, very little time. So it's a very easy get. I just reminded myself and we just talked about identity theft is that I almost had my identity stolen yesterday.  12:43 - Anne (Host) Whoa, that's scary. Yes.  12:45 - Tom (Host) How do you?  12:46 - Anne (Host) know like what happened.  12:51 - Tom (Host) Okay, so it was about a little after 10 am yesterday is when things started happening, so within a few minutes of each other, I got an email from Credit Karma, norton which, because I have my Norton 360 antivirus software package, I pay a subscription through that and Experian. For those of you who don't know, there are three major credit bureaus there's Experian, there's TransUnion and there's Equifax. I have a free account with Experian and I have a free account with Credit Karma. All three of them, within a few minutes of each other, messaged me and said that there was a hard inquiry.  13:30 - Anne (Host) Yeah.  13:30 - Tom (Host) So what that means is if you are applying for a loan, a mortgage, a credit card or something like that, the company that you're applying to will do a credit check. So they will check your credit and see if you are a safe credit risk to make the loan or to get the credit card, for this was a hard inquiry. If you get enough hard inquiries on your credit, your credit will go down.  13:55 - Anne (Host) Yeah, absolutely. I know that because I'm a stickler about my credit.  13:59 - Tom (Host) Me too. My credit rating, oh my gosh. If mine isn't at least 800, something I freak out, oh my gosh.  14:04 - Anne (Host) Yeah, no, mine has to be like almost close to perfect, and when it goes down like two points, I'm like wait why? Why did that happen? Right? And it's just because you put a charge on it for a few hundred dollars, and then you pay it off next week and then everything's fine, so that's normal.  14:18 - Tom (Host) So all three of them told me at roughly the same time that there was a hard inquiry. So I clicked on all the emails and all three of them said that somebody was applying for a Discover credit card, I think in Salt Lake City, and someone was applying for a Capital One credit card in Delaware, and I was in New York City neither applying for a Discover credit card or a Capital One credit card. I certainly wasn't in Salt Lake City or Delaware at the same exact time.  14:49 - Anne (Host) You know, what's so interesting, Tom, is that, like I don't know, a few months ago I don't know if there was a discussion circulating or maybe I got an email but somebody said, and like I should have done this years ago, I mean you can freeze your account so that if you don't open up a credit card every other day which I'm certainly not right Because again, it affects my credit rating and I'm anal about that and so I'm like well, I don't need to apply for any other credit cards, so you can go and freeze that, so that you can actually reduce the risk of somebody trying to open up credit cards or identity theft.  15:19 So and it's super simple to do it, as I said, everybody should have that free account. You should log in, you should check your credit scores regularly I think they allow you once a month, I think even my credit cards. My American Express will tell me oh, your FICO score has changed, right, so they're monitoring it too, and so literally, I get lots of notifications when that rating goes up and down. But I know that I've reduced my chances of identity theft, which is a very scary thing, by freezing those accounts and it's very simple to unfreeze. So, if you know you want to apply for a credit card. You just got to go and unfreeze it for a certain amount of time so you can apply for it and then freeze it back up again. So that way it reduces the risk.  15:57 - Tom (Host) And all those emails that I got, all those notifications did give me the option to do that. I was also able to say this because it, literally, when Norton 360 popped up and it took me to their website, it literally said is this you and you can check yes or no? And I wrote no and then the whole screen turned red saying okay, we know this is a problem, we will look into it.  16:17 It did it with all those and then I called Capital One Bank. It took me a few people. It had to get escalated a couple of times to the credit card fraud department.  16:25 - Anne (Host) Well, don't you say, they give you a special number, right?  16:27 - Tom (Host) They say call this number if it's not you, or you can call this number. I just called the general number because all that was on the notification, I think, was the Capital One in Salt Lake City or something like that. So I called directly and said please state your problem. I'm like I think I'm getting my identity stolen. And then it got up there and then they manually rejected the credit card application at least for the Capital One.  16:50 And then this morning I got another Credit Karma email saying that there was a check on my Equifax report not the Experian one and I looked at the date of it. It also said yesterday. So that means Credit Karma had my back twice and Experian had my back and Norton had my back twice. Right, right, and Experian had my back and Norton had my back and everybody bosses. This is the takeaway. Creditkarmacom is free, having an account with Experian is free, it doesn't cost you a nickel.  17:18 - Anne (Host) All of them TransUnion, they're all free TransUnion, Equifax, they're all free.  17:23 Exactly and you can check your scores and, like I said, a lot of banks and a lot of credit cards are actually adding that on as like a value add kind of service, but you don't have to pay anything for it. I think there's a lot of it going on, Tom, which is kind of scary. We got to be careful about scammers, that's for sure. And anytime, even in your email, right, if you get like again, if I find something that doesn't have a signature and then they have an attachment like PayPal has been well-known scams where you get like oh, you've got a PayPal invoice, right, and you have to pay this amount and it looks legit. I mean, they've got like the PayPal logo. I've gotten quite a few of those over the last six months.  18:01 - Speaker 2 (Announcement) And.  18:01 - Anne (Host) I just ignore anything. Just remember that most financial institutions will never email you for information and they'll never text you necessarily for that information either, and you should also, Tom. We should have a big discussion on having multi-factor authentication.  18:19 - Tom (Host) Yes.  18:19 - Anne (Host) This is extremely important.  18:21 - Tom (Host) It's annoying as hell or two-factor, two-factor authentication For every account that you have, especially the financial ones, you should have two-factor authentication, which means either they send you a text message and you just click on the link and you're good to go, or it sends you an email and it'll usually give you a passcode of some sort and then you go to the website. When you're trying to log on, you enter that passcode and then it'll let you do it, and most of them are only good. Some of them are only good for 30 days. Sometimes you can check a box saying this is my private computer. It's okay for a certain amount of time, or they make you do it every single time, which isn't the worst thing in the world. Yes, it's annoying.  18:55 - Anne (Host) You know what I just thought about. It is annoying but it keeps you safe. It's funny how much like value you put in that number, that phone number, in this phone which, by the way, I just got a new phone but in this number for the two-factor authentication, right Like text me at this number. So think of the power that these phone companies have right, and that is scary. I mean it used to be a thing where I always thought like the large scale communication companies were a little bit of a monopoly, depending on the area that you're in. I mean, when I lived in the East Coast it was always Verizon right, verizon everything, verizon this, verizon that. Out here it's a couple of different companies but still, if you think about it, I mean I'm glad to have the two-factor authentication and it's super convenient on the phone.  19:39 But, it's interesting to know that you wouldn't want the hackers to get smart right and then start really infiltrating the phone, you know, and impersonating a phone number.  19:50 - Tom (Host) There's a couple of things about that is that, when it comes to authentication, when you're logging on your phone, I've got it set up where I just use my thumbprint for a lot of it.  19:59 - Anne (Host) I love that, or Face ID yeah the Face ID is a great one.  20:05 - Tom (Host) There's also a thing for a lot of the websites where I have a personal PIN that has nothing to do with the PIN or the password to access the site itself. If I am using my phone to log in somewhere, I can enter a four-digit PIN that's different from everything else, so it also increases the chance of having a secure whatever. Also, just as a rule, I don't do anything financial on my phone, with the exception of like Venmo Well, I have mobile banking If I'm like sending money if, like me, and the guys are having pizza, you know what I mean.  20:31 - Anne (Host) I have mobile banking and I do have Apple Pay.  20:35 - Tom (Host) Well, I have GPay too.  20:36 - Anne (Host) Yeah, so.  20:36 - Tom (Host) I'm a Google guy but like I will unless to my bank accounts online or Wave app or Wise or PayPal on the phone, unless I absolutely have to.  20:49 - Anne (Host) Interesting. I go to them quite a bit. Actually, you're probably fine because of all the precautions that you're taking, but I'm just a little extra neurotic about it. Oh, it's constantly got multi-factor authentication, but I get that. I totally get that. Wow, yeah, being careful, and you know what.  21:02 What's interesting is, back in the day and I'm going to date myself when I was working at the school and we had text-based email okay, and text-based email, I could have something and it was all based on like the Unix systems and so like hacking into a text-based, like I don't know how to say this, but hacking into a system like that, like a Unix system, and reading your email with text-based, you didn't always have like the conditions of people attaching things that could be viral, loading a virus on your computer. So I was always proud to say that I used text-based email and I used something called a PGP signature, which was a digital signature at the time, which meant that when I sent mail out, my PGP signature, it would actually negotiate and verify with the person that I would send it to so that it could be a verified digital signature. That indeed, yes, this mail did come from me, and I think that Norton probably has something like that now right. Is that with your email or no?  21:59 - Tom (Host) Yeah, it has all kinds of functions.  22:01 And it works on my desktop and it works on my laptop and it works on my phone. The most important function that it has is when I'm not home and I'm on my phone or my laptop or my tablet is the VPN when you can turn it on to make sure that if you're using Wi-Fi at a cafe or something like that, that it's secure, because apparently there are people who just like sitting around at a Panera or a Starbucks with their laptop and just waiting for someone to have an insecure Wi-Fi connection and they can just steal their life right there through their own laptop.  22:31 - Anne (Host) Well, it's funny how this conversation has turned into a big security conversation, starting off with scamming. Which guys you got to be aware? It's one of the reasons why, for all of my years and because of my years working in technology, I like wired connections. I mean Wi-Fi. I mean it's a wonderful technology and it's convenient as anything. However, it's not as secure as a wired connection, because a wired connection is basically, you know, your digital numbers flowing back and forth along a wire, versus all this information out in the air where, if somebody is sitting outside of my home, they can possibly hack into my wireless network and then they can run some sort of a tracer to see and to actually get my passwords, which is something that you don't really want that to happen. So you should really be cautious, guys, and I think it's always a good idea that, if you are working from home, if you have the opportunity to have a wired connection to your router, I think that that's better rather than using Wi-Fi. Number one it's more stable, right, it's faster and it's also more secure.  23:32 - Tom (Host) I agree. If you have a desktop at home and you are doing any kind of recording or you're doing basically anything, you should have an ethernet connection. That yellow wire with the big old phone jack that plugs right into the back of your computer and plugs into your Wi-Fi router.  23:47 - Anne (Host) And it sounds old school, but it's still the most secure method of data transfer.  23:51 - Tom (Host) Without question so if you are recording from home. If you're doing whatever from home, you have a desktop ethernet. If you have a laptop, I are recording from home. If you're doing whatever from home, you have a desktop Ethernet. If you have a laptop, I think the newer laptops don't even have an Ethernet connection. I have to think about my laptop and whether I even have one anymore, and here's the simple reason.  24:06 - Anne (Host) Think about it. It's a wire, guys. It's a wire. It's not like data floating around in the air which people can listen to. Somehow the frequency of the data traveling in the air right? Wi-fi works on frequencies when your data is traveling via a wire like a physical cable, unless somebody like I don't even know, unless they tap into that wire, right, somehow.  24:26 I don't know how they do that, and we're talking about your wire in your house going from your computer to your router. Right, that's as secure as it gets, right, unless somebody's coming into your house and hacking into the wire and tapping into it.  24:38 - Tom (Host) You've got some foreign embassy bugging your home.  24:41 - Anne (Host) Yeah, yeah, doing some fancy work, you're not going to have to worry about your data being transferred. So if you're working on the internet right, at least the data that's transferring from your house to your router is absolutely secure. And then it's up to your internet provider right on the router, to their routers, to make sure that things are encrypted, things are secure and for the most part I mean that's been handled right. I mean there are hackers out there that they can hack into networks. They can hack into things like that, but you want to be as safe as you possibly can, so wired is best.  25:14 - Tom (Host) Yes, it's fascinating. We talk about hard security and soft security, yes, that's hard security, that's hard security.  25:20 - Anne (Host) So, if we go back to talking about the scams that are floating around these days, one thing I wanted to mention is I think one of the best applications for groups, facebook groups and social media groups and discussion groups is for that thing, so that you and Bridget were talking to one another about this job that you both got, and then it's really wonderful that we can come together as a community and protect each other right and say, hey, look, watch out for the scam. So it is one of the best advantages, I would say, of being a part of the social media groups in that way. Otherwise, we've talked about how it's hard to sometimes they're toxic, sometimes it's really hard to be on social media. But I would say one of the best reasons to be on social media, in those groups and in those forums, would be because of the protection that you're getting of us banding together and saying, hey, watch out, this is a scam.  26:09 - Tom (Host) Absolutely, it's one of the most important things. Community is more than just about you know rah rah and whoop whoop and you know we support you and feel better if you're feeling down, but like just actual education, along with inspiration and commiseration can literally save your identity Absolutely.  26:27 - Anne (Host) Wow, what a great conversation, Tom. So bosses out there, be aware of scams. Be cautious. Research, research. Take a look at those signatures when you get emails coming in, when you get something that's asking for lots of words and a good price and it seems too good to be true, guess what it might be. So make sure that you're communicating with the community as well, checking those jobs out and attach that AI rider to every one of your jobs. Now, it's simple. It's there at NAVA and it's free. You can attach that rider to every job. If you have a new client, make sure you're very careful with the payment options. You know we spoke about that. I always make sure I get money up front, or partial money up front, first to make sure that it's a legit client. What else did I miss, Tom, in this recap?  27:14 - Tom (Host) Hardware and software VPNs.  27:16 - Anne (Host) EINs yes.  27:19 - Tom (Host) Oh yeah, VPNs, EINs, Two-factor authentication.  27:20 - Anne (Host) I love it. Yeah, Make sure you guys are implementing all of that to keep yourself safe and secure. So great topic, Tom. I like geeking out like this.  27:30 - Tom (Host) Yeah, it's fun and helpful.  27:31 - Anne (Host) Yeah, I'm going to give a great big shout out to my sponsor, IPDTL. You too can connect and network like real bosses. Find out more at IPDTL.com. Guys have an amazing week and we'll see you next week.  27:52 - Speaker 3 (Announcement) Bye. Join us next week for another edition of VO BOSS with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at voboss.com and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution, with permission. Coast-to-coast connectivity via IPDTL.   

Chase just launched a new business credit card and rolled out changes to the Chase Sapphire Reserve—but are these updates actually worth getting excited about? In this episode, I'm joined once again by Kelly from The Points and Miles Doc for a candid review of what's new in the Chase ecosystem. From rising annual fees to underwhelming credits and a business card that looks a lot like what already exists, we're breaking down the updates—and what they really mean for your wallet. We also talk about how these cards stack up against competitors like Amex and Capital One, when the new benefits might be worth it, and why we're not jumping to add either of these to our travel strategy just yet. If you're holding the Chase Sapphire Reserve or considering a new business card, this episode will help you make a more informed decision.   Get full show notes and transcript: https://pointmetofirstclass.com/chase-sapphire-reserve-business-review-2025/ Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! https://docs.google.com/forms/d/e/1FAIpQLSeAPfb3wIaphMn_NoQzm_fljydsivTELQwh7pYoxrI2uTFoKQ/viewform?usp=header Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Today on Wonderland on Points, we've got BIG NEWS!Chase just launched a brand-new welcome bonus for the Sapphire Reserve as well as ENTIRELY refreshing the earning and benefits and we're breaking it all down in this episode. We're joined by our go-to credit card correspondent, travel and finance journalist Katherine Fan, who helps us unpack all the details.We'll walk you through the updated annual fee, the refreshed bonus categories, and the current lineup of card benefits to help you decide whether the new Sapphire Reserve deserves a spot in your wallet. AND we will announce the BRAND NEW SHINY welcome offer.After you listen, we'd love to hear your thoughts! Are you planning to apply for this revamped card, or is it a pass for you? Come join the conversation in our Wonderland on Points Facebook group and let us know!Sponsors For This EpisodeTour Radar MomentsFind Us On InstagramMary Ellen | Jo | KatherineHelpful LinksKatherine's SubstackOur personal links may not YET reflect the elevated sign up bonus- but they will shortly! Thank you for choosing to use our links! These links can be used for ANY of the Sapphire cards.Katherine's Chase Sapphire LinkMary Ellen's Chase Sapphire LinkJoanna's Chase Sapphire LinkAffiliate Links30% off the CardPointers subscription!Credit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

In this episode, I sit down with SAIC Chief Technology Officer (CTO) and longtime Federal/Defense leader Bob Ritchie to discuss his experience securing public sector digital modernization, including everything from large multi-cloud environments to zero trust, identity, and where things are headed with AI.Bob starts discussing SAIC and his background there. He went from intern to CTO over 20 years with this public sector industry leader, including a brief stint with Capital One on the commercial side.We covered the current state of the federal cloud community across multiple clouds (e.g., Azure, AWS, and GCP) and some of the challenges and opportunities on the security front.We often hear phrases such as “identity is the new perimeter,” but the perimeter is porous and problematic, especially in large, disparate environments such as the Federal/Defense ecosystem. Bob touched on the current state of identity security in this ecosystem, where progress is being made and what challenges still need to be tackled.The government is doing a big push towards Zero Trust, with the Cyber EO 14028, Federal/Defense ZT strategies, and more. But how much progress is being made on ZT, and where can we look for examples of innovation and success?We dove into the rise of excitement and adoption of AI, GenAI, Agentic AI, and protocols such as MCP, A2A, and where the public sector community can lean into Agentic AI for use cases ranging from SecOps, AppSec, GRC, and more.Bob explains how he balances a good business focus while staying deep in the weeds and proficient in relevant emerging technologies and nuances required as a CTO.I've known Bob for several years, and you would be hard pressed to find a more competent technology leader. This is not one to miss!

Welcome to episode 33 of the Designing with Love podcast! In this episode, I had the pleasure of interviewing Naveen Krishnan, an expert in the AI technology and cloud computing field. What does the future of work look like when AI becomes your daily assistant? Microsoft AI Solutions Architect Naveen Krishnan offers a compelling glimpse into this reality, sharing how artificial intelligence already handles 30-40% of his daily tasks—and why that percentage will likely reach 70-80% soon.Naveen's 16-year journey from electronics engineering in India to his current specialized AI role at Microsoft provides valuable context for understanding how rapidly technology careers can evolve. After working with global companies like PepsiCo, JP Morgan Chase, and Capital One, he joined Microsoft in 2021, initially as a Cloud Architect before diving deep into artificial intelligence. His passion for continuous learning—encapsulated in his philosophy that "what I know is just 1% and what I don't know is 99%"—has driven him to write technical blogs, develop AI applications, and even author a comprehensive 350-page book on AI fundamentals and applications.For instructional designers and educators, Naveen offers practical advice: experiment with AI tools across all aspects of your work now, while the technology is still evolving. He encourages approaching repetitive or time-consuming tasks with the question: "Is there an AI tool that could help me do this more efficiently?" This mindset, combined with staying current on industry developments, positions professionals to thrive in an increasingly AI-enhanced workplace.

Chuck Zodda and Mike Armstrong discuss the US preparing action to target allies chip plants in China. Social Security's finances erode further, risking benefits cuts. Auto tariffs could raise the price of vehicles up by nealy $2,000 per. Waymo wants to bring its Robotaxis to New York City. Rice prices skyrocket in May. Paul LaMonica, Barron's, joins the show to chat about Capital One and the rising fees on credit cards.

In this Midweek Mini, we take you to the cobblestone streets and Spanish moss of Savannah, Georgia—submitted by Wendy. It is an amazing spot for a charming, walkable weekend escape. We chat about the best times to visit (spring and fall are ideal!), where to stay for easy access to the city's highlights, and the can't-miss food and experiences that make Savannah so memorable.We share our love for the historic district and accommodations like the Andaz, which even includes bike rentals to help you explore. From iconic Southern dining at The Grey and The Old Pink House to strolling through Forsyth Park or along the river walk, Savannah offers something for everyone. We also touch on the city's vibrant culture, including its lively nightlife and, of course, the wildly entertaining Savannah Bananas baseball team.Whether you're into history, food, or just soaking in the charm of the South, Savannah is a weekend destination worth adding to your list.Submit Your Summer Road Trip Series Story HEREFacebook GroupSponsors For This Episode30% off the CardPointers subscription!Find Us On InstagramMary Ellen | JoAffiliate LinksCredit Card Affiliate LinksSign up for the Daily Drop NewsletterThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Jessa Williams is the founder of Intrsxtn Surf, a Los Angeles-based surf collective dedicated to empowering Black women and women of color through surfing. After discovering the ocean as a space for healing and self-discovery, she launched Intrsxtn just one year after learning to surf. Since then, she has introduced hundreds of women to the waves, creating a supportive community that challenges traditional surf culture and celebrates inclusivity, resilience, and joy in the water.Connect with Jessa: Instagram Intrsxtn Surf website & InstagramThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Ocean Bottle 

A veces, el problema no es la falta de oportunidades para financiar un negocio, sino no saber cómo acceder a ellas. Herla Parra, experta en el sistema crediticio comercial y personal en Estados Unidos, asegura que muchas personas cometen errores por falta de información. “Los errores más grandes que he visto es que hacen aplicaciones sin tener una preparación, no tienen un perfil ideal para hacerlo por el mismo desconocimiento. Mi recomendación siempre es tomar una asesoría cuando desconoces del tema, porque si quieres hacer una inversión y hacer crecer tu negocio, necesitas tomar información para formar ese perfil ideal del lado del personal”. Ese perfil comienza con una estructura financiera básica pero bien armada. “Con solo tener una variedad de productos dentro de tu perfil personal, como cuatro tarjetas de crédito y tener cuentas que pagas mensualmente, como un vehículo, vas a comenzar bien. Si no estás perfilado, no apliques a tarjetas de crédito porque le estás dejando manchas a tu reporte de crédito sin saberlo”, sostiene nuestra invitada. Para Herla, una de las formas más accesibles y menos riesgosas de comenzar es con tarjetas de crédito al 0% de interés, siempre que provengan de instituciones financieras de categoría. “Es importante que esas tarjetas de crédito sean con bancas de categoría, en lo posible bancas nacionales. En Estados Unidos está Chase, que en la actualidad es la que está dando mucho más dinero. También recomiendo Bank Of America, porque tiene gran variedad de tarjetas. Además está Truist o Fargo”. Ahora bien, si el problema es la falta de antigüedad crediticia, también hay soluciones: “Si te está faltando antigüedad, puedes acceder a un usuario autorizado que te va a inyectar antigüedad a tu reporte de crédito y te va a ayudar enormemente”, afirma nuestra experta. Una opción alternativa, especialmente valiosa para negocios en etapa de crecimiento, son los Credit Union. “Tienen sus APRs, sus intereses, que son bastante buenos, porque lo más alto que ellos tienen es un 18%. Ellos son bancas de relaciones y, si haces ciertas jugadas con ellos, puedes acceder a ciertas cantidades de dinero que te pueden dar, hasta $25,000 y $50,000, cosa que es muy limitada en la banca de categoría A. Además tienen tarjetas de crédito al 0% de interés”, comenta Herla. Para acceder a estos beneficios, hay un paso clave que muchas personas pasan por alto: “Es muy importante pertenecer a la institución de American Consumer Council, que de entrada debes de estar allí porque te da acceso a la gran mayoría de Credit Union del país”, recalca nuestra invitada. Una vez que el perfil está formado, lo siguiente es pensar estratégicamente. “Si tienes el perfil indicado para ingresar a un crédito, lo primero es crear la estrategia”. Herla se enfoca sobre todo en los negocios medianos, que suelen estar en una etapa ideal para aprovechar estos beneficios. “Muchas veces me pasa que hay clientes a los que les recomiendo comenzar con tarjetas de crédito al 0% de interés, pero quieren un Personal Loan. Pero cuando a ese negocio le voy a hacer el 0% de interés, ya tiene responsabilidades con entidades financieras y se complica. Pero cuando uno comienza con el 0% de interés, puede acompañarse con líneas de crédito que les puedo solicitar paralelamente, porque ese 0% en algún momento se va a acabar y tienes que estar preparado para ese momento”, explica. Por último, Herla advierte que no todas las tarjetas ayudan a construir un buen perfil: “Aconsejo no aplicar a las tarjetas de Capital One, Discover ni las de TD Bank, porque su utilización va a afectar y se va a relacionar en el lado personal”. Tener acceso a capital al 0% de interés no es un mito, pero requiere estrategia, preparación y conocimiento. Herla lo resume con claridad: crear un perfil sólido, elegir las herramientas correctas y estar un paso adelante de lo que vendrá. Instagram: @herlaparra.usa WhatsApp: +1 941 702 4528

In Episode 29, of Season 5 of Driven by Data: The Podcast, Kyle Winterbottom was joined by Sam Hancock, Global Head of Data Science at Octopus Energy. Sam shares his unconventional career journey from Capital One to Google and Waymo and ultimately to Octopus Energy, where he focuses on leveraging data to drive the company's mission of accelerating the energy transition. The conversation explores the balance between data-driven decision-making and instinct, the unique culture at Octopus Energy, and the company's innovative approach to sustainability and customer service. Sam and Kyle explore the critical role of data and AI in driving sustainability within the energy sector and they discuss the challenges of integrating data into business practices, the importance of fostering relationships across teams, and the innovations in energy management that can help achieve sustainability targets. The conversation also delves into the complexities of carbon emissions, the electrification of industries, and the potential of smart tariffs to optimize energy usage. Overall, the discussion highlights the need for collaboration and innovative solutions to address the pressing challenges of climate change.Takeaways:Sam Hancock's journey includes roles at Capital One, Waymo, and Octopus Energy.He emphasizes the importance of diverse experiences in shaping his current role.Octopus Energy is focused on accelerating the energy transition.The company is customer-obsessed and aims to disrupt the energy sector.Sam's role allows for entrepreneurial freedom in data strategy.Balancing data-driven decisions with instinct is crucial for innovation.Octopus Energy's culture encourages entrepreneurship and high standards.The company has ambitious targets for customer growth and sustainability.Data is a strategic asset at Octopus, with significant data ingestion capabilities.The tech platform developed by Octopus is designed for the energy sector. Understanding the data challenge is crucial for effective pricing.Data integration should start at the beginning of business processes.Building relationships within teams enhances data-driven decision-making.Electrification is key to achieving net-zero emissions.Smart tariffs can optimize energy usage based on grid demands.AI systems are essential for managing the energy transition.Data centres can be a force for good in sustainability efforts.Zonal pricing could incentivize greener energy usage.Companies need to be transparent about their carbon emissions.Nature-based solutions and carbon capture are vital for sustainability.Chapters:00:00 Introduction to Sam Hancock and His Journey01:00 Career Path: From Capital One to Waymo04:30 Transition to Climate Tech and Octopus Energy07:20 Overview of Octopus Energy's Mission and Operations09:48 Sam's Role and Data Strategy at Octopus Energy13:16 Balancing Data and Instinct in Decision Making18:28 The Unique Culture and Vision of Octopus Energy22:12 Leveraging Data as a Strategic Asset25:17 Understanding the Data Challenge28:10 The Role of Data in Sustainability31:31 Innovations in Energy Management37:39 Navigating Carbon Emissions and Sustainability Targets42:15 The Intersection of Data and Energy Solutions...

In this episode, we're joined by financial educator and profit strategist Jamie Trull for a conversation that bridges travel, family, and finance. Jamie shares how her background as a CPA led her to help families and small business owners make smarter financial decisions—and how those choices can open the door to more meaningful (and affordable) travel.We dig into how points and miles fit into a bigger financial strategy, the importance of separating personal and business expenses, and when it might make sense to form an LLC or S-Corp. Jamie also breaks down the often-overlooked tax implications of credit card rewards and offers tips for keeping finances organized to maximize benefits.One highlight? Our chat about teaching kids financial literacy—whether by adding them as authorized users, paying them through a family business, or simply involving them in travel budgeting. Jamie encourages families to create “fun funds” by setting aside a percentage of profits, making room for joy and connection without financial guilt.This episode is packed with practical advice and empowering insights for anyone looking to make their money—and their miles—go further.Submit Your Summer Road Trip Series Story HEREFacebook GroupSponsors For This EpisodeTour Radar MEGA Sale!Find Us On InstagramMary Ellen | JoJamie's ResourcesHire Your Kids MasterclassHidden Profit BookYoutube ChannelInstagramFacebookAffiliate LinksCredit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

[WAITLIST] 1:1 Points Travel Strategy Session - get on the waitlist here!Link to my entire trip planning checklist for FREE! And make sure to follow us on Instagram! @travelpartyof5 Despite recent devaluations from major programs like Hilton, Capital One, and others, points and miles are still a viable way to travel the world with your family if you're willing to adapt your strategy and mindset.• Frustrating changes like Hilton's increased award costs and Capital One's lounge access restrictions are disappointing but not game-ending• The points and miles game requires a mindset shift—banks make the rules, we adapt and find the optimal paths within them• Social media can make points and miles seem easier than they actually are—proper planning takes time and effort• Focus on flexible points currencies to protect yourself from devaluations• Take advantage of transfer bonuses when they align with your travel needs• Diversify your credit card portfolio across different banks• Plan 12-18 months ahead for family travel to secure saver award availability• Accept that you'll make mistakes along the way—it's part of the learning process• Points and miles aren't dead, but lazy redemptions increasingly areIf you're feeling stuck or discouraged with points and miles, reach out on Instagram for support or consider joining the waitlist for one-on-one consultations to help plan your next trip.

Today's conversation is with Sasha Yanshin, a data analyst turned content creator whose brutally honest commentary on the UK economy has earned him a loyal audience across YouTube and social media.Sasha studied Maths at Oxford before going on to work with major organisations like Phones4U, Barclays, Capital One, MBNA, HSBC, Mastercard, RBS, and Tesco Bank. He's now best known for his YouTube channels Sasha Yanshin and Sasha Takes on the UK, where he cuts through political spin and media narratives to explain what's really going on with the UK economy.Expect to learn:Why “unexpected” is the most misleading word in economic headlinesThe collapsing UK high street — barbers, vape shops, and money laundering concernsThe real impact of business rates and National Insurance hikes on small businessesLabour's rumoured wealth tax — will it actually generate revenue or destroy it?The hidden truth about National Insurance and how it misleads workersHow the minimum wage has risen 60% in 5 years, and why that isn't as helpful as it seemsUK's unfunded pension liabilities at 200% of GDP — is this sustainable?Wages are up — but why that might not be a good thingThe brain drain — why global innovators are fleeing the UKWhy US culture encourages entrepreneurship more than the UK - and how we fix thatSasha's take on AI's potential economic impact, and what needs to change for the UK to progressThis is a hard-hitting, eye-opening chat about how policy decisions and short-term thinking are affecting your money, your future, and your country.Whether you're a business owner, voter, or just someone trying to make sense of what's happening in the UK, this episode is a must-listen.Today's episode is optimised by Puresport.You can save 10% using code CAMBRO10 – https://bit.ly/3RmVT0V Connect with Sasha:YouTube: https://www.youtube.com/c/SashaYanshinSasha Takes on the UK: https://www.youtube.com/@sashatakesonukTwitter/X: https://x.com/sashayanshinConnect with Col:Instagram: https://www.instagram.com/col.cambro/Email List: https://mailchi.mp/548e38ba5942/colincambroPatreon: https://www.patreon.com/ColCampbell

*Our apologies for the occasional connection issues with Nick's audio*What the heck does "Mattress Cycling the Hyatt Numbers" mean? We'll find out in today's episode. We'll also talk about using online chat with Hyatt to get your way, and we'll predict the details of the new Chase Sapphire Business card.(01:25) - Did we just beat a Pulitzer Prize-winning podcast?Listen to Tim's origin story episode here.(02:51) - You can now move your Chase credit lines between cards online(05:26) - Capital One Spark Cash: $1500 after $15K in 3 months. $95 annual fee waived 1st year. 2% on all spend(07:52) - Rakuten closing accounts for too many "ineligible" orders.Read more about Rakuten account shutdown here.(11:28) - New Hyatt promo is offering up to 16k bonus points on stays at Hyatt Place, Hyatt House & Hyatt StudiosRead more about the Hyatt promo here.(16:01) - How to turn this mattress run into a mattress cycle...(19:07) - Hyatt buys some all-inclusive group that included properties in a number of other ecosystems (Hilton, IHG, Wyndham). But all award reservations were cancelled with no notice -- not honoring awards booked through other programs. Some people really got a raw deal here, being cancelled on a few days' notice with no alternative accommodation offered(23:37) - JetBlue restricting access to Mint for partner programs(26:17) - Updated RRV process(29:55) - Highlights from Nick's 2.5-week trip to Europe...Main Event: Predicting the Sapphire Business Card(39:28) - What we know for certain: nothing beyond "coming this Summer"(41:33) - What we think we know about the refreshed consumer Sapphire ReserveRead more about our predictions for the new consumer card here.(51:23) - Questions about the business card...(1:06:43) - If our predictions are correct...would this card still be worth it?(1:09:55) - We've heard you talk about Capital One miles and Major League Baseball tickets. Can you use cash to get the same tickets?Read more about this opportunity here.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

In Episode 124 of the Award Travel 101 podcast, host Angie Sparks is joined by organizers of the renowned Chicago Seminars, the oldest and largest in-person gathering for the points and miles community. The event, taking place November 7–9, 2025, at the Hyatt Regency O'Hare, will feature over 50 sessions, nearly 50 expert speakers, and aims to build on last year's success, which raised over $30,000 for charity. With over 500 attendees expected, the seminar is a packed, sleep-deprived, info-filled weekend designed for everyone from beginners to advanced users of travel rewards. Early room availability was snapped up quickly, but nearby hotel options and tips for award alerts were shared. The $329 ticket includes meals, receptions, and upgraded app features, plus enhanced community-building events and labeled experience-level sessions.The episode also dives into key travel news, including significant devaluations from Capital One Venture X and Hilton. Capital One announced that authorized users will lose lounge access benefits in 2026 unless cardholders pay extra fees or hit high spending thresholds. Meanwhile, Hilton has increased award pricing at several high-end properties to as much as 200,000 points per night, making free night certificates even more valuable. Additionally, Flying Blue released its June promo fares, and several programs are offering point purchase bonuses and transfer incentives. The hosts share personal travel updates—from Anguilla and Asia to booking award redemptions—and tease the next meetup in Miami, happening September 19–21 at the Hyatt Regency Coral Gables.Show Links:- Hilton up to 200K per night- Flying Blue Promo Awards- Capital One Venture Lounge changes- Sign up for Chicago SeminarsWhere to Find Us The Free 110k+ member 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 Tickets are now ON SALE for our next meetup in Miami September 19-21. Secure your spot today at https://award.travel/miami2025 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.

Paul Nary, Wharton Assistant Professor of Management, discusses the recent merger between Capital One and Discover, highlighting the strategic motivations behind the deal, the integration challenges ahead, and why the move could ultimately benefit consumers by increasing competition in the payments network space. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The SaaS CFO Podcast, host Ben Murray welcomes Austin Carroll, the dynamic founder and CEO of Warrant. Drawing from her deep roots in marketing and product management at household names like Capital One, Mercury, and Brex, Austin shares how real-world challenges navigating regulatory approvals inspired her to launch Warrant—a platform harnessing AI to automate and streamline marketing compliance for the financial services industry. Austin highlights the complexities and pitfalls of adhering to rapidly evolving federal, state, and local regulations in sectors like mortgage, insurance, and banking. She explains how Warrant checks marketing materials for compliance, helping companies of all sizes—from nimble startups to large enterprises—avoid costly missteps and accelerate their go-to-market strategies. Her journey provides invaluable insight into the needs of modern fintech marketers and compliance teams. Beyond the tech, Austin opens up about her path as a female founder, candidly discussing the fundraising process, her unique go-to-market approach, and the lessons learned from early customer traction. Whether you're passionate about fintech, compliance, or entrepreneurship, this conversation offers a compelling look at the future of AI-powered marketing compliance and the vision of a founder determined to solve one of the industry's most pressing challenges. Show Notes: 00:00 Streamlining Crisis Communication Compliance 06:09 Regulatory Challenges in Financial Compliance 07:12 Targeting Small to Mid-Market Clients 10:59 Strategic Market Engagement Approach 16:57 Entrepreneurship: Play to Your Strengths 17:51 Conversation-Driven Fundraising Strategy 21:40 Tracking Key Business Metrics 25:37 "Sign Up for Newsletter Now" Links: SaaS Fundraising Stories: https://www.thesaasnews.com/news/warrant-raises-720k-in-pre-seed-round Austin Carroll's LinkedIn: https://www.linkedin.com/in/austincarroll/ Warrant's LinkedIn: https://www.linkedin.com/company/warrant/ Warrant's Website: https://www.hellowarrant.com/ 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

Watch us on YouTube! Richard got the chance to stay at one of the new Standard Hotels in NYC. Take a look at his first experience, including the upgrade he scored on his stay. Capital One made some big changes to lounge access. This will impact all Venture cardholders starting next year. These are changes you need to know about if you hold one of these cards. Alaska Airlines has some new promo awards to incredible destinations around the world. Rome, Bangkok, Lisbon and more! They're launching nonstop service between Seattle and Rome, and also have a great new credit card offer that can help get you to all of these destinations. There's a targeted Chase offer for $100 off a hotel stay when booked through Chase travel. And, Hyatt has rolled out new promo tracking in their app that drastically improves the visibility of all the various promos franchisees are available. #standardhotels #capitalone #capitalonelounge #alaskaairlines #rome   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/    

In this Midweek Mini, we're heading to the sugar-white sands and emerald waters of Destin, Florida thanks to our listener Katie—but it just so happens, this is one of our favorite beach destinations for our families as well. We share our own experiences exploring this stretch of the Emerald Coast and offer tips for making the most of your trip, from the best times to visit to our favorite spots for outdoor adventures.We talk about quieter, family-friendly beach options like Henderson Beach State Park, fun outings to Crab Island, and activities like parasailing and snorkeling that add a little thrill to your beach days. And of course, we couldn't leave out the food—whether it's kid-friendly spots like Fudd Pucker's or the food trucks in Seaside, Destin is full of delicious finds.If you're dreaming of a beach trip that's easy, fun, and packed with things to do, this episode will help you plan your perfect getaway to Florida's Emerald Coast.Submit Your Summer Road Trip Series Story HEREFacebook GroupFind Us On InstagramMary Ellen | JoAffiliate LinksCredit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Today's a special day: Sun Shining on Morning Snow: A Memoir of Identity, Loss, and Living Boldly, the deeply moving memoir by Ingrid Hu Dahl, is officially live! What better way to celebrate this powerful milestone than by revisiting our beautiful conversation on the podcast?When I first met Ingrid, I knew we were meant to create something meaningful together. She was working on a memoir about identity, loss, and living her truth—and I had the honor of walking alongside her as her book coach. Spoiler: her book is now out in the world, and it's absolutely stunning!In this episode, Ingrid shares her story of growing up mixed-race, finding her voice through music, and navigating leadership and life transitions as the founder and CEO of her own coaching and consulting firm. We also talk about what it means to own your story—on the page and on the stage—with practical tips for showing up authentically in every space you step into.Ingrid's incredible career has spanned leadership roles at Meta, Gap Inc., Capital One, KQED, and beyond. She's a TEDx speaker, musician, filmmaker, and now, published author.Learn more about Ingrid:WebsiteLinkedInInstagram @ingridhudahlFollow me on: Instagram @stacyennisFacebook @stacyenniscreativeLinkedInYouTube @stacyennisauthorTo submit a question, email hello@stacyennis.com or visit http://stacyennis.com/contact and fill out the form on the page.

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute:Victoria's Secret faces activist heat as major shareholder BBRC calls for a complete board overhaul, citing poor performance, cyber missteps, and an outdated leadership structure.UNFI reels from a cyberattack, leaving its grocery network hobbled and triggering the end of its deal with Key Food — plus a distribution center closure.Walmart makes a bold fintech move, launching two new credit cards through its startup OnePay and parting ways with Capital One in favor of a Synchrony partnership.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights. Be careful out there!

Melissa Arnot Reid is a legendary American mountaineer, adventure guide, and author who has summited Mount Everest six times—more than any other American woman. She was the first American woman to climb and descend Everest without supplemental oxygen, pushing the limits of human endurance. Through extreme challenges and high-risk climbs, Melissa has found strength, resilience, and purpose in the mountains. Connect with Melissa: WebsiteInstagramSubstackGrab a copy of Melissa's book, EnoughThank you to our sponsors: Capital One and the REI Co-op® Mastercard® Ocean Bottle 

What do you do when you don't have enough hotel miles? And why aren't we letting all 100K Vacay competitors use Chase points? We answered these and many other questions on the Ask Us Anything hosted live on YouTube which first aired on June 4th, 2025.(07:36) - ​​What is your favorite all inclusive you've stayed at? I've been to Punta Cana but want to try other locations. (10:14) - Do you keep the points when you PC Wells Fargo cards? For example if you PC to the no longer available Visa signature card can you then use the points for 50% more for airfare? (11:07) - Does purchasing gift cards count towards welcome offer spend? (15:02) - How can you tell what resort fees IHG will charge when booking award stays? (16:59) - Hello, thoughts on changes to amex biz plat dell credit? #1 Using buying groups for $1k credit? #2 Thoughts for the future, meaning more discounts instead of 1:1. (21:26) - ​​Does anyone know what to expect with United/JetBlue partnership? I'm moving from Houston to Boston this fall and ready to divorce Southwest. (25:48) - What do you guys do when you have an overwhelming amount of airlines miles, and not enough hotel miles? Read more about Capital One Shopping changes here: https://frequentmiler.com/capital-one-shopping-gift-card-redemption-options/(39:12) - what do you think about the lounge changes that are coming to Capital One? (41:56) - I plan to start funding a 529 for my wife's law school payments. I will be mixing in purchases of the $500 GoC cards. I am worried about clawbacks. Do you know of any data points for clawbacks? (43:06) - Why not let someone use Chase points on the upcoming Challenge since it was the 100K from getting the Sapphire Preferred?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 – “swappin' back n' forth” by up @ night

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week Capital One announced some big changes to lounge access for Venture X cardholders. Like before the new rules are a bit different for the personal and business cards, however everything is getting cutback. Bye bye free guest access for most. Are these cards still worth it?   Shawn also details some of the most interesting hotels of his trip including the Park Hyatt Zurich and Hyatt Place Zurich. Is the Hyatt Place a better hotel than the Park Hyatt? He also discusses a lovely Hyatt that feels like an old German grandmother's house, one of the coolest castles in the world and how knowing your travel limits is easier said than done. Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  Episode Guide 0:00 Welcome to MTM Travel 1:01 How European hotels are just different than America - Are we idiots? 4:40 How a Best Western delivered a huge surprise 11:10 Capital One's huge upcoming changes to lounge access 18:36 European rental car debacle update & how to protect yourself 24:01 Visiting Zurich - The best Hyatt Place in the world? 29:00 Park Hyatt Zurich - Is it really worth $1600 or 45K points? 34:21 The quirkiest Hyatt hotel in Europe? 39:31 How much travel is enough? You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

About Eric Charran:Eric Charran is a visionary technology executive, thought leader, and author of Have You Ever Had a Boss That...: Succeeding in a Dysfunctional Workplace. With 25+ years at Fortune 500 firms like Microsoft and Capital One, he bridges cutting-edge technology with effective leadership.His book tackles workplace toxicity and difficult managers, offering actionable strategies for professionals at any stage. Eric empowers leaders to build healthier, more productive cultures by blending expertise in organizational dynamics and digital innovation.A frequent podcast guest and featured voice in top publications, Eric is a sought-after speaker known for his compelling storytelling. Connect with him to thrive under any boss and build a resilient, successful career. In this episode, Dean Newlund and Eric Charran discuss:Leadership archetypes and transformationPsychological safety in modern organizationsOperationalizing visionary ideasGrowth mindset and learning organizationsTechnology adoption and strategic implementation Key Takeaways:Visionary leaders must balance their bold ideas with the discipline of testing, iterating, and proving ROI through small, controlled experiments to avoid chaos and organizational resistance.Creating psychological safety is essential for encouraging employees to speak openly, engage with innovation, and embrace failure as a learning opportunity rather than a risk to their careers.Transformation efforts often fail not because of technology itself but due to emotional resistance, fixed mindsets, and poor organizational trust, which leaders must address through empathy and clear communication.Sustainable innovation requires both emotional intelligence and operational alignment, where even the most intuitive ideas must be translated into actionable pilots and validated before full-scale adoption. "We learn more through failure than we do from success. That's a fact.” — Eric Charran Connect with Eric Charran:  Website: https://www.businessexpertpress.com/eric-charran/Book: Have You Ever Had a Boss That...: Succeeding in a Dysfunctional Workplace: https://www.amazon.com/Have-Ever-Boss-That-Dysfunctional/dp/1637427700LinkedIn: https://www.linkedin.com/in/ericcharran/TikTok: https://www.tiktok.com/@authorericcharranInstagram: https://www.instagram.com/authorericcharran   See Dean's TedTalk “Why Business Needs Intuition” here: https://www.youtube.com/watch?v=EEq9IYvgV7I Connect with Dean:YouTube: https://www.youtube.com/channel/UCgqRK8GC8jBIFYPmECUCMkwWebsite: https://www.mfileadership.com/The Mission Statement E-Newsletter: https://www.mfileadership.com/blog/LinkedIn: https://www.linkedin.com/in/deannewlund/X (Twitter): https://twitter.com/deannewlundFacebook: https://www.facebook.com/MissionFacilitators/Email: dean.newlund@mfileadership.comPhone: 1-800-926-7370 Show notes by Podcastologist: Hanz Jimuel AlvarezAudio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Welcome back to To the Point Cybersecurity Podcast! In this week's episode, hosts Rachael Lyon and Jonathan Knepher continue their fascinating conversation with Erika Dean, Chief Security Officer at Robinhood. Erika brings over 20 years of experience in cybersecurity, including an impressive tenure at Capital One, where she held multiple cyber leadership roles. In this second part of their discussion, Erika dives deep into the challenges of timely and transparent incident disclosure, the balancing act of regulatory compliance, and the importance of ongoing education for both companies and regulators as technology rapidly evolves. She also shares insights on the emerging regulatory landscape for AI and crypto, her unique journey into cybersecurity, and what keeps the field exciting—and sometimes stressful. Stay tuned for an engaging conversation packed with practical advice, personal anecdotes, and forward-looking perspectives on the future of fintech security. You won't want to miss Erika's take on everything from managing a major incident to the quirks of Hollywood's portrayal of hackers! For links and resources discussed in this episode, please visit our show notes at https://www.forcepoint.com/govpodcast/e336

In this episode, we're joined by journalist and seasoned traveler Katherine Fan for a heartfelt conversation about visiting Taiwan—one of Asia's most underrated and welcoming destinations. Katherine shares her personal connection to the island and offers practical tips for planning a meaningful and efficient trip.We talk about why Taiwan is a great choice for families and solo travelers, from its safety and public transit to its rich culture and incredible food scene. Katherine walks us through itinerary ideas, must-visit cities, outdoor adventures, and, of course, the night markets.We also dive into travel logistics, including visa-free entry for U.S. passport holders, booking hotels with points, and using tools like MaxMyPoints and Time Shifter to streamline your trip. Whether you're heading to the hot springs, hiking a national park, or sipping bubble tea in Taipei, this episode will get you inspired and prepared.ENTER THE GIVEAWAY FOR FREE HOP ON HOP OFF BUS PASSESKatherine's SubstackSubmit Your Summer Roadtrip Series Story HEREFacebook GroupSponsors For This Episode30% off the CardPointers subscription!Find Us On InstagramMary Ellen | Jo | KatherineMentioned in this EpisodeAntarctica Episode with KatherineHelpful LinksTravel and Leisure ArticleSheraton Grand TaipeiSongshan Cultural ParkAffiliate LinksCredit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

Episode 123 of the Award Travel 101 podcast covers a variety of travel rewards topics, including a debate over using Ultimate Rewards vs. Capital One points for the same flight. The hosts, Angie Sparks and Mike Zaccheo, also discuss major updates in the travel industry, such as United and JetBlue's Blue Sky partnership, Chase's new welcome bonuses on IHG credit cards, and the finalization of Capital One's acquisition of Discover Bank. Meanwhile, Southwest Airlines implements new policies that bring checked bag fees, Basic fares, and expiration dates on flight credits.The episode's main topic, Angie and Mike anders some travel questions from the community that might had been overlooked. The hosts weigh in on credit card strategies, airline booking tips, and award redemptions while preparing for their own upcoming travels—Mike is gearing up for a family trip to Alaska, and Angie has multiple destinations in mind, including Anguilla and a potential golf trip to Ireland. They also preview the next Award Travel 101 meetup in Miami, set for September 19–21, featuring a brewery reception, travel seminars, and an immersive art experience. Their tip of the week: don't procrastinate on confirming travel plans.Links to Topics DiscussedUnited and JetBlue form Blue Sky partnershipIHG Cards Enhanced OffersCapital One- Discover Merger FinalizesSouthwest Bag FeesSouthwest Same Day Change Policy ChangeWhere to Find Us The Free 110k+ member 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 Tickets are now ON SALE for our next meetup in Miami September 19-21. Secure your spot today at https://award.travel/miami2025 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 this value-packed Quick Hits episode, DeAndre Coke breaks down the most significant developments in the points and miles world—from exciting transfer bonuses and premium card promos to major airline pricing changes and credit card legislation that could impact your travel rewards. He highlights Thrifty Traveler's limited-time 50% off deal, an elevated IHG card bonus offering 5 free nights, new baggage fees from Southwest, and a game-changing partnership between United and JetBlue. DeAndre also shares updates on Amex, Chase, and Citi transfer bonuses, the Capital One lounge guest access shake-up, and the growing concern over the Credit Card Competition Act. Whether you're just getting started with points or already planning your next redemption, there's something in this episode for you. Listeners are also reminded to take advantage of free strategy consultations to get personalized travel game plans.   Key takeaways:  Thrifty Traveler Premium: 50% off during their 10th anniversary sale. IHG Premier Card: New signup bonus with five free night certificates. Delta Fixes Pricing: Ends higher solo traveler fares. Southwest Changes: Ends "bags fly free" policy. Transfer Bonuses: 30% Amex → Avios, 25% Chase → Virgin, 25% Citi → Wyndham. United x JetBlue Partnership: Easier booking, point redemptions, and elite perks. Capital One Lounge Access: Guest access gets more expensive in 2026. Credit Card Competition Act: Could threaten reward programs—take action. Free Travel Strategy Sessions: Book through our website for personalized assistance.   Resources: Thrifty Traveler 50% off promotion Act now - Protect your points! Book a Free 30-minute points & miles consultation Start here to learn how to unlock nearly free travel Sign up for our newsletter! This month's best current card offers BoldlyGo Travel With Points & Miles Facebook Group   Interested in Financial Planning? Truicity Wealth Management   Some of Our Favorite Tools For Elevating Your Points & Miles Game: Note: Contains affiliate/sponsored links Card Pointers (Saves the average user $750 per year) Zil Money (For Payroll on Credit Card) Travel Freely Point.me FlightConnections.com Thrifty Traveler Premium LTH Online Points & Miles In Depth Course:  Use coupon code "BOLDYGO" for a 50% discount!   Connect with DeAndre Coke:  Instagram: BoldlyGo.world TikTok: BoldlyGo.world  Website: BoldlyGo.world YouTube: BoldlyGoWorld YouTube: BoldlyGo.Travels    

In this Midweek Mini, we dive into a listener-submitted road trip itinerary (thank you Lauren!) that kicks off in El Paso, Texas and explores three stunning national parks—Guadalupe Mountains, Carlsbad Caverns, and White Sands. We chatted about the best times to visit (hint: avoid the peak summer heat!), where to stay using points with Hilton and Hyatt, and the unique experiences each park offers—from hiking to the highest point in Texas to sledding down sand dunes.We also shared why a stop in quirky, alien-themed Roswell is worth the detour. If you're planning a Southwest loop, this episode is full of practical tips and fun ideas to help you make the most of your adventure.Submit Your Summer Roadtrip Series Story HEREFacebook Group | Support the Show: Buy Us A CoffeeSponsors For This Episode30% off the CardPointers subscription!Find Us On InstagramMary Ellen | JoAffiliate LinksMary Ellen's Chase Sapphire Preferred LinkJo's Chase Sapphire Preferred LinkSign up for the Daily Drop NewsletterCredit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

David Kilgore has been a lifelong runner who found his stride in the world of ultra marathons in his 20s. Rather than pursue running as his sole profession, he charted a unique course— joining the early team at On Running while continuing to compete at an elite level. From setting records to winning the Great World Race twice, David's journey has made him a standout in the global running community.  Connect with David: Instagram Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® Teva

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week Shawn is in Europe and he discusses a little of his trip including the Hyatt Regency Cologne, a couple of cool cathedrals and more. He also discusses how Capital One Travel and Hopper may have scammed him on his car rental booking and why you probably shouldn't use them. Other topics discussed include: Americans and geography, the recent Bilt/Accor deal and avoiding groupthink and why you might get banned for sharing your rule breaking hacks on the internet. Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  Episode Guide 2:16 Do Americans know geography? 6:57 Bilt Rent Day “groupthink” & why Accor is great 13:44 Capital One Travel ripoff car rental & how to deal with “things gone wrong” 22:05 Hyatt Regency Cologne review - Great rooms & location 26:15 Mark's painful Universal tickets 31:17 Credit card chip in your fingernail? 33:30 Why you shouldn't share your grey area hacks online 34:50 NoMad hotels coming to Detroit's coolest building You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Cramer says he'd be a ‘huge buyer' of this financial stock. Become a CNBC Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks as they talk candidly about the market's biggest headlines. Signup here: cnbc.com/morningtake CNBC Investing Club Disclaimer

This week, we sat down with travel journalist and itinerary expert Cami from Secrets of Travel Journalist to talk all things Pacific Northwest National Parks. From Olympic National Park to Mount Rainier and the North Cascades, Cami shared how she uses points and miles to make incredible trips happen without blowing the budget, and gave us a peek into how she approaches trip planning with intention and creativity.We talked about the magic of Forks (yes, the rainiest town in the continental U.S.), how tide charts can completely shape your beach experience, and why fried bread tacos should definitely be on your must-try list. We also dug into the details of booking flights, rental cars (pro tip: check Costco!), and accommodations—like the cozy Dewdrop Inn—while highlighting ways to maximize travel credits and loyalty programs to make every dollar go further.Cami brought us along on her hikes through stunning landscapes like Doubtful Lake, shared her favorite waterfall moments at Mount Rainier, and gave us tips for navigating the unpredictable weather that comes with outdoor adventure. We loved hearing about her family travels and how she plans around everyone's needs to make trips both fun and accessible.If you're planning a trip to the PNW—or just dreaming of one—this episode is full of ideas, tips, and inspiration to help you make the most of your next national park adventure.Submit Your Summer Roadtrip Series Story HEREFacebook Group | Support the Show: Buy Us A CoffeeSponsors For This EpisodeTourRadar's MEGA Sale!Find Us On InstagramMary Ellen | JoMentioned in this EpisodeFREE Washington 10 Day ItineraryAffiliate Links30% off the CardPointers subscription!Sign up for the Daily Drop NewsletterCredit Card Affiliate LinksThe above link includes referrals for almost all travel cards (AMEX, CapitalOne, co-branded cards)If you need Chase links please reach out! We would be happy to send you our personal referral links or the Daily Drop newsletter link that will allow you to access our affiliate links.We receive a small commission when you use our links. This is an amazing way to show your support for the show at no cost to you ❤️

In Episode 122 of the Award Travel 101 podcast, Cameron Laufer is joined by Emmanuel Crouvisier from CardPointers to discuss the latest news in travel rewards, new credit card offers, and tips for maximizing points. A standout feature of the episode is the deep dive into CardPointers, a tool designed to help users optimize their credit card rewards. Emmanuel explains how CardPointers was born and offers a detailed walk-through of its features, including the “For You,” “Pointers,” and “Offers” tabs, as well as how users can stack rewards and integrate with shopping portals for even more value. The episode also covers security concerns, multiuser features, and how the app's iOS widgets and desktop browser extension can help users keep track of their points.The podcast also highlights several important updates in the travel rewards world. This includes devaluations by Citi, where the redemption rate for cashback on the Strata Premier and Prestige cards dropped from 1 cent per point to 0.75 cents, and changes from United Airlines, which have removed instant upgrades for elites on certain fare classes and eliminated the Excursionist perk. Listeners are also encouraged to take advantage of new credit card offers, such as the 75K Aeroplan card for a $95 annual fee and the 100K American Executive card, both with specific spending requirements. The episode wraps up with some personal travel updates, including Cameron's upcoming trips to Chicago and Patagonia, and Emmanuel's recent trip to Jamaica. Lastly, Cameron shares a tip of the week about stacking rewards using Capital One shopping and CardPointers to maximize savings.Episode Links:Citi Cash Back DevaluationAeroplan OfferCiti AAdvantage Executive Record High OfferUnited Program ChangesWhere to Find Us The Free 110k+ member 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 Stay tuned for news about our next meetup! 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.

Ayesha McGowan went from teaching music and delivering packages on a bike to shattering barriers in professional cycling, becoming the first African American female road cyclist in 2021. Though health challenges led to early retirement, Ayesha is now focused on empowering women of color in cycling and expanding access to the sport.Connect with Ayesha: Instagram A Quick Brown Fox website Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® Teva

Howie Zales is an Emmy Awarded camera operator who started his career at the NFL Network and NBC Sports. His passion for broadcasting led him to found Viridity Entertainment Services (VES), a streaming and professionally-recorded in-house productions service offering TV-quality livestream to corporations. Their clients include T Mobile, Capital One, The Food Network, hip hop group Salt-N-Pepa, and more. His other company, which he founded and has operated for over 24 years, is HJC Productions, Inc., a nationwide television crewing company for sports, entertainment and studio productions. Howie also mentors the next generation of freelance technicians through his mentoring program The Broadcast Sports Course. Howie Zales: “ Growing up I was super into sports, baseball being my favorite. Like any kid or friend my age, I wanted to play professional sports as my job.  "I knew I was headed for sports. I just didn't know where or how. “ In 11th grade, I needed one class to fill out my course selection. There was an elective that was a TV production class. The description was: a trip to New York City to tour NBC studios and 30 Rockefeller Center, and watching a TV show being taped. I thought ‘how bad could it be!' “I ended up loving the class. I loved my teacher, Mrs. Jason, and her husband was a field producer for Good Morning America who spoke to the class on a lot of occasions. “I already had a love of sports, and now I had this new passion for TV.   I also knew I needed a backup to my professional baseball plan. BOOM! Now I knew exactly what I wanted to do. I was going to get into sports TV”.

Shyanne Orvis is a Colorado-based fly fishing guide and content creator whose deep connection to nature shapes both her career and her approach to motherhood. From the rivers of Carbondale to destinations around the world, she's building an inclusive community on the water—inviting more women to experience the transformative power of fly fishing.Connect with Shyanne: Website Instagram Purchase tickets to Outside Festival 2025 Thank you to our sponsors: Capital One and the REI Co-op® Mastercard® Teva

Aparna Chennapragada is the chief product officer of experiences and devices at Microsoft, where she oversees AI product strategy for their productivity tools and work on agents. Previously, she was the CPO at Robinhood, spent 12 years at Google, and is also on the board of eBay and Capital One.What you'll learn:1. How “prompt sets are the new PRDs” and why prototyping with AI is now essential for effective product development2. The three key characteristics of AI agents: autonomy (delegation of tasks), complexity (handling multi-step challenges), and natural interaction (conversing beyond simple chat)3. Why NLX (natural language experience) is the new UX, requiring deliberate design principles for conversational interfaces4. Why the PM role isn't dying in the AI era—it's evolving to emphasize tastemaking and editing5. How living “one year in the future” can be operationalized with programs like Microsoft's Frontier6. How even traditional enterprises can balance cutting-edge AI adoption with appropriate governance through dual-track approaches7. Insights on leadership differences between Microsoft's Satya Nadella (known for multi-level thinking and early trendspotting) and Google's Sundar Pichai (mastery of complex ecosystems)8. The vision for human and AI collaboration in the workplace, where people and agents achieve outcomes greater than either could alone9. A practical framework for evaluating zero-to-one product opportunities—Brought to you by:Eppo—Run reliable, impactful experimentsPragmatic Institute—Industry‑recognized product, marketing, and AI training and certificationsCoda—The all-in-one collaborative workspace—Where to find Aparna Chennapragada:• X: https://x.com/aparnacd• LinkedIn: https://www.linkedin.com/in/aparnacd/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction to Aparna Chennapragada(04:28) Aparna's stand-up comedy journey(07:29) Transition to Microsoft and enterprise insights(10:00) The Frontier program and AI integration(13:28) Understanding AI agents(17:59) NLX is the new UX(22:28) The future of product development(31:16) Building a custom Chrome extension(35:45) Leadership styles of Satya and Sundar(37:47) Counterintuitive lessons in product building(41:20) Inflection points for successful products(45:16) GitHub Copilot and code generation(48:34) Excel's enduring success(50:27) Pivotal career moments(54:55) The future of human-agent collaboration(56:25) Lightning round and final thoughts—Referenced:• Google Lens: https://lens.google/• Saturday Night Live: https://www.nbc.com/saturday-night-live• Reid Hoffman on LinkedIn: https://www.linkedin.com/in/reidhoffman/• Robinhood: https://robinhood.com/• eBay: https://www.ebay.com/• Capital One: https://www.capitalone.com/• Microsoft: https://www.microsoft.com/• Aparna's LinkedIn post about enterprise vs. consumer: https://www.linkedin.com/posts/aparnacd_every-enterprise-user-feature-has-a-shadow-activity-7321176091610542080-8X-E/• The Epic Split: https://en.wikipedia.org/wiki/The_Epic_Split• AI Frontiers: https://www.microsoft.com/en-us/research/lab/ai-frontiers/• OpenAI's CPO on how AI changes must-have skills, moats, coding, startup playbooks, more | Kevin Weil (CPO at OpenAI, ex-Instagram, Twitter): https://www.lennysnewsletter.com/p/kevin-weil-open-ai• Deepseek: https://www.deepseek.com/• Satya Nadella on LinkedIn: https://www.linkedin.com/in/satyanadella/• Tobi Lütke's leadership playbook: Playing infinite games, operating from first principles, and maximizing human potential (founder and CEO of Shopify): https://www.lennysnewsletter.com/p/tobi-lutkes-leadership-playbook• Tobi Lütke's post on X about reflexive AI: https://x.com/tobi/status/1909251946235437514• GitHub Copilot: https://github.com/features/copilot• Sundar Pichai on LinkedIn: https://www.linkedin.com/in/sundarpichai/• South Park “Underwear Gnomes” episode: https://southpark.cc.com/episodes/13y790/south-park-gnomes-season-2-ep-17• Google Home: https://home.google.com/welcome/• Cursor: https://www.cursor.com/• v0: https://v0.dev/• Bolt: https://bolt.net/• Lovable: https://lovable.dev/• Replit: https://replit.com/• Inside Bolt: From near-death to ~$40m ARR in 5 months—one of the fastest-growing products in history | Eric Simons (founder and CEO of StackBlitz): https://www.lennysnewsletter.com/p/inside-bolt-eric-simons• Building Lovable: $10M ARR in 60 days with 15 people | Anton Osika (CEO and co-founder): https://www.lennysnewsletter.com/p/building-lovable-anton-osika• Everyone's an engineer now: Inside v0's mission to create a hundred million builders | Guillermo Rauch (founder and CEO of Vercel, creators of v0 and Next.js): https://www.lennysnewsletter.com/p/everyones-an-engineer-now-guillermo-rauch• The rise of Cursor: The $300M ARR AI tool that engineers can't stop using | Michael Truell (co-founder and CEO): https://www.lennysnewsletter.com/p/the-rise-of-cursor-michael-truell• Behind the product: Replit | Amjad Masad (co-founder and CEO): https://www.lennysnewsletter.com/p/behind-the-product-replit-amjad-masad• Microsoft Excel World Championship: https://fmworldcup.com/microsoft-excel-world-championship/• Google Now: https://en.wikipedia.org/wiki/Google_Now• Hacks on Max: https://www.max.com/shows/hacks/67e940b7-aab2-46ce-a62b-c7308cde9de7• Granola: https://www.granola.ai/• Alan Kay quote: https://www.brainyquote.com/quotes/alan_kay_100831• Sindhu Vee's website: https://sindhuvee.com/• Nate Bargatze's website: https://natebargatze.com/—Recommended book:• A Brief History of Intelligence: Evolution, AI, and the Five Breakthroughs That Made Our Brains: https://www.amazon.com/Brief-History-Intelligence-Evolution-Breakthroughs/dp/0063286351—Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.lennysnewsletter.com/subscribe