Podcasts about citi

What happens when the life you built suddenly changes in ways you never expected?In this deeply reflective episode of Mirror Talk: Soulful Conversations, Tobi sits down with transformational leadership strategist and resilience mentor Sanjiv Patel to explore how grief, loss, and personal crisis can reshape the way we lead, live, and understand ourselves.Sanjiv has spent more than three decades working with global organisations, including Microsoft, Citi, the NHS, and Warwick Business School. Yet the most powerful lessons in his life did not come from boardrooms or leadership frameworks. They came from moments of personal loss that forced him to confront pain, vulnerability, and the deeper meaning of resilience.In this conversation, Sanjiv shares how grief transformed his understanding of leadership and emotional intelligence. He explains why authentic leadership begins with inner healing and why resilience is not about pretending to be strong but about learning to stay present with the full range of human experience.This episode is a powerful reflection for anyone navigating grief, uncertainty, or a season of big personal change.What You Will Learn in This Episode• Why resilience begins with self-awareness• How grief reshapes identity, purpose, and leadership• The difference between emotional survival and emotional strength• Why leaders must face their inner wounds to lead authentically• How emotional intelligence strengthens leadership and relationships• Why asking for help is an important part of healingSound Bites from This Episode"Resilience begins within.""It is okay to feel the pain.""It is okay to ask for help."About Sanjiv PatelSanjiv Patel is a transformational leadership strategist, life coach, and resilience mentor who helps leaders navigate uncertainty with clarity, empathy, and purpose.Drawing on more than three decades of experience across boardrooms, organisational crises, and personal loss, he developed frameworks such as the H.E.A.L.S. model and the 3Rs of resilience to help leaders build emotional strength and lead with authenticity.His work has supported organisations including Microsoft, Citi, the NHS, and Warwick Business School. He regularly shares his insights on leadership, resilience, and emotional intelligence on global stages, including TEDx and leadership platforms around the world.Connect With Sanjiv PatelWebsiteSanjiv Speaks Official WebsiteEpisode Chapters00:00 Introduction to Transformational Leadership02:46 Personal Insecurities and Authentic Leadership05:12 The Journey of Resilience10:06 Navigating the COVID Crisis17:55 Grief, Loss, and Emotional Healing28:47 Understanding True Resilience33:51 Lessons for Younger Generations44:06 Leadership Through Adversity52:55 Advice for Those Experiencing GriefAsk what is on your heart. Mirror Talk will reflect back what may help you see more clearly. Try it here: https://mirrortalkpodcast.com/ask-mirror-talk/Thank you for joining me on this MIRROR TALK podcast journey. Please subscribe to any platform and remember to leave a review and rating.Stay connected: https://linktr.ee/mirrortalkpodcast More inspiring episodes and show notes are here: https://mirrortalkpodcast.com/podcast-episodes/ Your opinions, thoughts, suggestions, and comments are important to us. Please share them here: https://mirrortalkpodcast.com/your-opinion-matters/ Could you support us by becoming a Patreon? Please consider subscribing to one or more of our offerings at http://patreon.com/MirrorTalk All proceeds will help enhance the quality of our work and outreach, enabling us to serve you better.We use and trust these podcasting tools, software, and gear. We've partnered with amazing platforms to give our Mirror Talk community exclusive deals and discounts: https://mirrortalkpodcast.com/best-podcasting-tools/Just like with Podcasthon, resilience is a lifelong journey.

In today's podcast episode, we see that Marriott tops off their top-offs, Aviator Silver cards become unique collectibles, and we'll talk about the best ways to earn and redeem Rove Miles.Giant Mailbag(01:07) - Diana shares some thoughts regarding a recent podcast episode, Speed up US entry with Mobile Passport Control | Coffee Break Ep96 | 3-10-26See the Coffee Break Ep96 here.Card News(03:34) - Barclays Aviator to Citi transition April 2026Learn more about the Barclays Aviator transition to Citi here(12:44) - Robinhood Platinum Credit CardRead more about this card here(15:39) - Southwest companion pass offers ending March 19th 7am ETMattress Running the Numbers(17:22) - Leading Hotels of the World points sale: Get up to 100% bonusLearn more about the Leading Hotels of the World points sale here(21:42) - Read Nick's post about family-friendly Leading Hotels of the World properties hereAwards, Points, and More(24:18) - Marriott making it possible to redeem up to 25K + FNC (up from 15K).(27:59) - You can now add Marriott gift cards to your Bonvoy account (both in-app & on website)Read more about adding Marriott gift cards to your Bonvoy account here: https://frequentmiler.com/you-can-now-add-marriott-gift-cards-to-your-bonvoy-account-both-in-app-on-website/(30:44) - Amex to fold Tock into Resy in Summer 2026Read more about Amex's plans with Tock here: https://frequentmiler.com/after-purchasing-tock-amex-to-fold-it-into-resy-in-summer-2026/(34:08) - Spirit Airlines paid status upgrade: Higher status from $79Learn more about Spirit Airlines' paid status upgrade here: https://frequentmiler.com/spirit-airlines-paid-status-upgrade-higher-status-from-79/Main Event: Rove Miles: Transferable Points w/out a credit card(39:54) - What is Rove?(42:43) - How to earn Rove MilesLearn more about Rove Miles here: https://frequentmiler.com/rovemiles/(56:22) - How to use Rove Miles(1:00:53) - Rove Miles adds Japan Airlines, launches with 50% transfer bonus through 3/31Read more here: https://frequentmiler.com/rove-miles-adds-japan-airlines-launches-with-50-transfer-bonus-through-3-31/And read Nick's post about JAL opportunities here: https://frequentmiler.com/best-uses-of-japan-airlines-mileage-bank-miles/(1:02:23) - Rove adds SAS as new transfer partner with 20% transfer bonus through 4/8.Read more here: https://frequentmiler.com/rove-adds-sas-as-new-transfer-partner-with-20-transfer-bonus/(1:04:28) - Other good transfer partnersQuestion of the Week(1:14:19) - Why don't you write about the quality of the airline or hotel itself?Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Visit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast Network

“Breaking the Glass Ceiling: Julia Carreon’s Fight Against Corporate Gaslighting” In this episode, Frazer Rice sits down with Julia Carreon to explore her recent high-profile litigation against a major financial institution and her powerful insights on women in leadership, corporate culture, and overcoming systemic barriers. YOUTUBE https://youtu.be/e05k7SVQ2xI We discuss: Julia's experience with workplace gaslighting and her litigation journey with Wells Fargo The importance of transparency, accountability, and protecting yourself in corporate environments How societal and corporate cultures disadvantage women, especially around motherhood and leadership The themes and motivations behind Julia's book, Walking on Broken Glass Practical strategies women can use to build political capital and safeguard their careers The significance of external networks and understanding your personal strengths The evolving landscape of equity, ownership, and governance in corporations How to proactively prepare for and respond to systemic workplace challenges SPOTIFY https://open.spotify.com/episode/5c546gs6Qctx4bGOvalgXj?si=1dDyJxnwSyu4tnhXxpzVxg Timestamps: 00:00 – Introduction: Julia's litigation and book overview 02:03 – Gaslighting in corporate culture and early experiences 04:14 – Dealing with systemic backstage politics and fighting for justice 05:10 – Motivations for writing Walking on Broken Glass 08:08 – Diagnosing workplace culture and gender dynamics 09:33 – The weaponized HR department and accountability 11:38 – Protecting yourself: cultural awareness and bias 13:12 – Demographics, gender disparities, and moving forward 15:12 – Institutional misogyny and societal shifts 16:05 – Motherhood, work-life balance, and corporate support 18:28 – Questions of corporate culture change post-COVID 22:21 – The fear factor and change in workplace loyalty 27:12 – Tactical career strategies and building political capital 28:15 – Always Be Executing (ABE) and tracking success 30:53 – The ownership mentality and equity's role in career resilience 34:45 – Building internal and external networks for support 36:49 – Understanding personal aptitudes through testing and reflection 40:12 – Leveraging political capital and seizing opportunities 43:31 – How to follow Julia and stay updated on her journey Transcript Frazer Rice (00:01.004)Welcome aboard, Julia. Julia (00:03.32)Thanks for having me. Frazer Rice (00:04.652)Well, as I said in the opening, the concept of gaslighting in the boardroom is something that certainly isn’t new, but it doesn’t make it any more comfortable for the people who deal with it on a day-to-day basis or as part of their career. And you’re in the midst of litigation right now with a major financial services company. Maybe talk a little bit about what’s going on there. Julia (00:24.801)Yeah, so I am in a high profile lawsuit with my former employer. I would say this is not a path that anyone chooses on purpose. In my particular case, Frazer, I spent 20 years at Wells Fargo, 15 of which were pretty spectacular. I have come to realize almost maybe fairy tale like in terms of my experience. I want to talk about some of the things later on that made it a fairy tale. So yeah, I wouldn’t have chosen this. I did not see the culture at my former employer coming for me. I was blindsided by it and it got ugly quickly. One of the things that I think I am doing here. Or at least trying to do is not be shy about it. Not hide from it. Try to show women a different way for how to deal with these situations. Because I have very strong feelings about the fact. With the rollback of DEI and the current administration’s point of view on women, that we’re going backwards. If women don’t start fighting for ourselves in a more public way and without fear, then I don’t know where we’re going to be in the next five to 10 years. I am soldiering on and it’s not easy to your point. But it is what it is and it’s a fight that I believe is worthy. Frazer Rice (02:03.608)So it’s a daunting task taking on a big bank. Big financial services firm, whether it’s in this situation or frankly any. It’s just these well-resourced big behemoths. What has been the experience been like so far? As far as gathering information? Of getting the walls built that you need to in order to live your life while you go through this conflict with this bank? Julia (02:29.822)It’s hat that is the million dollar question. Right? I will say that in my case i got really fortunate and came across a quote. It’s going to sound really strange. But i came across a quote that said fear is fake and danger is real but fear is fake. I believe that the patriarchy wants women to be afraid. So it tells us these bad things are going to happen if you take on a big firm like this. It is grueling. The days are long sometimes. But once I internalize the reality that it is all fake in terms of all of the bad things that you think could happen really can’t happen. Worst case scenario, there’s nothing Like I’m not going to die. They’re not going to, you know, take away my family. Like all of these things, right? We tell ourselves that it could get really nasty. And in my case, I have to stay really grounded in the fact that what I’m doing is worthy. We tried my lawyer and I tried for 14 months to come to a different answer. And so in a way, not just telling myself fear is fake. But in another way, I kind of feel like it’s my destiny. Because, I just want to say this real quick, I had 20 years at a place that was not toxic. And so I know what good looks like, and this is not good. So in that way, I really feel like it’s my destiny. And so that’s what you do, and you have to have a good support network. I have a great husband, so that really helps. Frazer Rice (04:14.21)The, as I’ve told people, sometimes doing the right thing or going after something that upholds justice. It can be expensive and hard. I give you kudos for standing up. Not only for yourself, but others who are going through a difficult situation. Where you’ve had a significant wrong done to you. You’ve written a book about this experience as well. We can take some time to think, to talk about what the book tries to do. First of all, writing one in tandem with the process here, I think is a bit unusual. Some people do it after the fact. To go through a catharsis after going through a difficult process. Talk about first the why of the book.thhen we’ll talk a little bit about what you talk about in it. Julia (05:17.241)The book is called Walking on Broken Glass: Navigating the Aftermath of the Glass Ceiling.” It was co-written with a fabulous woman named Shannon Nutter. I hope people follow on LinkedIn. The book is not squarely about what happened to me the book came together. With Shannon and I meeting on LinkedIn. Then discovering that we had a lot of the same shared experiences as we are Gen X. in hindsight. Our generation has had the opportunity to have the most benefit of the Gloria Steinem Women’s Movement. Think about the fact that we got the advantage of the birth control and all of the DEI efforts that have been in the last 15, 20 years. And we really felt like there was still a long way to go. Then all of that is starting to go backwards. So last year when we met or the year before, we’re like, my God, the idea that we got the best of the best is shocking to us. And so what are we going to do about it? We really wanted the book to speak to women of all ages in their career. But it was written from a lens of two then 53 year old women who had seen a lot. We wanted to give the book as a love letter or a gift to our 35 year old self. To say, this is what we should have or wish we had known 20 years ago. Because we would have done things differently if we had really faced kind of what the challenges were that women are facing at work. In a real way right not in a way that sugarcoats it or pretends to throw it under the rug. And or always makes it the woman’s fault like the woman always has to be changing and evolving in order to adapt to the systems and i you know it’s exhausting right so the book was written for that reason and it does tap into a lot of the things that we both experienced. Julia (07:35.17)But it isn’t a kind of a personal journal of what happened to me with my former employer. Frazer Rice (07:39.82)Right, one of the things that I found useful about the book is you divided it into three sections. I think it brings us sort of clarity into what you’re trying to achieve here. The first one is just diagnosing the situation that you’re in. Maybe talk a little bit about that. Part one the understanding of your surroundings. What’s happening around you. The conditions that women are facing as they embark on these big situations in the workplace. Julia (08:08.982)Yeah. So the first part of the book does give a primer on kind of the history of feminism and how did we get here and what are some of the big open questions that are still left to answer. We also want to set the stage that makes it very clear that women are accountable for our actions in the workplace. Like this is not in any way a book that seeks to make someone who’s failing feel good about the fact that they’re failing, right? Shannon and I both reached really high levels of corporate success at major global firm. There is a lot of work to do. So we really try to dimension how, what are some effective ways for you to approach that work? What are some of the pitfalls and how are some of the ways that you can handle that? In a way that’s kind of clear-eyed, but never about putting the blame or the onus on the company. And if you don’t mind, I want to say something about that because it relates to my lawsuit. One of the things that I’ve heard criticisms about is that people on social media often I saw when I kind of scanned the landscape of it recently are, this woman is naive. She thinks. HR is her friend because one of the things that I have sued my former employer for is a weaponized HR department and I want to get very clear. mean, Frazer, you don’t manage hundreds of people in 13 states like I did for a very long time successfully innovating, having great client experience team scores and having great employee team scores, right? If you believe HR is your friend. So that’s not what i’m trying to say what i’m trying to say in my lawsuit is. HR shouldn’t be picking off people for political reasons either. We are saying all the way along there is shared accountability between the employer and the employee. That’s really important. I think that you know one of the backlash is going too far field here. Julia (10:27.401)We went so far politically correct on some things that some employees do show up to work and think that they just need things handed to them. And I do think that that was part of the backlash, right? So I just am always striving for balance. I think we should all be always striving for balance. Frazer Rice (10:45.13)One of the concepts too, I think in the book that I sort of grabbed onto and enjoyed was the idea of taking steps to protect yourself. You’re dealing with a lot of different asymmetries when you work for a big company. You’re dealing with information asymmetry, you’re dealing with political asymmetry, you’re dealing with resource asymmetry. Sometimes you’re even dealing with just… Accountability asymmetry in terms of, you some people get free passes at other times people are judged on things or unfairly judged on different criteria that just don’t make a lot of sense. If we step back for a second and for people who are trying to understand, I’ll put it in quotes, how the world works and how to how to be aware of one’s and to protect yourself, what would be the first couple of things that you would tell people to think about on that back? Julia (11:38.471)The number one thing is I would be very aware of the kind of culture that you’re operating in. And it’s very easy to take for granted what a culture really is, what your own personal bias and history is, and then how is it that you are fitting. into that culture with your own shared history. So I love to be candid, right? And provocative about my own situation. If I could do something different, I would be very aware of what my biases were going into Citi with 20 years of being at a place where It was a really fair game, but probably because I had a lot of political capital and I grew up there. So I understood it. But I went into that place thinking that I was a fancy managing director, that obviously I was hired to be a change maker. I can do a lot of great things. And I was, you know, doing my thing, not realizing that I was swimming in a different lake and that lake was filled. with a lot of different kinds of wildlife that I was unprepared for. So, I mean, that’s really important. Frazer Rice (13:12.398)As we talk a little bit about some sort of bullet questions as far as how your experience has gone, the demographics of the workplace are different and changing. On one hand, college graduates are now majority women or higher in just about every college situation. Yet institutions like the CFP, the women make up… Believe the number is somewhere in the 24 % range. So you have this weird dichotomy of more women entering the workplace, but not in the numbers necessarily that would indicate that they are in places to make as much change as they would like. They are still in the vast minority in terms of boards of directors and executive positions at almost every Fortune 500 company that I can think of. As we chart a path forward where, let’s call it merit. Julia (13:58.813)Mm-hmm. Frazer Rice (14:04.494)presides over sort of misogyny and I guess I would call it sort of political gamesmanship. How do you think about that in terms of advice for people entering the workforce? Julia (14:16.461)Yeah, look, so nobody gets to say that women aren’t in the pipeline, right? I mean, that just, doesn’t hold up, especially at the more junior levels, right, of entering the workforce after college. What starts to happen is that it starts to go downhill as you get higher and higher up into hierarchy. And I believe that there is a mismatch between women who want to work and do the right thing. And we’re going to talk about this. Then what does it mean to also then become a mother and give birth and have to manage all of that? And then coming up against institutional misogyny. Obviously my perspective in the last 18 months has changed about the degree to which institutional misogyny exists. Because I had a fairy tale experience before I was able to be willfully blind about the realities. so a really direct way of answering your question is that our book is seeking to hit women in the face with the realities of this because I don’t think we’re gonna change it overnight, right? And it is so entrenched, it’s getting worse and it will get worse. Before it gets better, but I do believe that it will get better eventually because the old system that’s, know, aging out, baby boomers are aging out. Like I think that there’s going to be cracks in that. And then there would be a tsunami of change. But right now the old guard is hanging on and, we are going backwards. And so we just have to be realistic about what it requires to go forward. And we talk about what that is. Frazer Rice (16:05.58)One of the things, right, and so let’s touch back on the motherhood issue, is, that is biology. And so women who go that route and have kids. Which is frankly one of the big precepts in society. Unfortunately. n some ways takes you out of the normal trajectory of a corporate path, just from a time perspective. Certainly, the balance of work that happens at the household level. Where that ends up alling usually, creates a stress that is not well understood or received at the corporate level. What are your thoughts on that front? As far as charting a path that recognizes that reality and at the same time doesn’t put upon going the other direction necessarily in terms of favoring one outcome or the other. Julia (17:02.019)I know a lot of women who did not have children because they felt like that it would, it would harm their career. And, um, certainly it’s a personal issue and there’s no judgment from me. I don’t think I would have had children if I hadn’t met my husband. He was willing to do 50 % of the workload and he has, and, always has probably does maybe more than 50. It is a very deeply personal issue. What I have strong feelings about the fact that companies who lean in to, don’t expect the woman to lean in, but the company leans in to supporting pregnant women, have higher loyalty scores. They have better team member satisfaction. They get a lot from those women that they have supported. This is a crazy story, Frazer. I was pregnant and or just coming back from maternity leave all three times I got major promotions at Wells. I mean, think about that. And I now, because I lived my life kind of in a vacuum for a long time, I didn’t realize that this wasn’t happening to other people, right? So look at me now. I am 25 years from when I got hired, still saying that Wells is a great company. because of my own personal experience. And they got a lot out of me, but I gave a lot back. So to me, supporting women who are pregnant doesn’t have to be a zero sum game. Yet somehow that is the narrative. And I would love to ask you why that is. Like, I mean, what has happened to corporate culture that this is such a pervasive issue when If you were to scan a lot of my Gen X friends, we did not have the same experience. Frazer Rice (19:04.147)I mean, from my perspective, I don’t know. I think that I blame some of this a little bit on the COVID blip in the sense that managers of all types just have no idea where to go as far as how to treat people fairly, either from a work from home experience or how that reconciles with… women in particular who are having careers and families in addition to what’s going on with other folks like the men in the world. My short answer is I don’t know. The longer answer is that I think between the shorter news cycle, social media, work from home, there are a lot of different change agents out there that have taken the focus off of. maybe the issues that worth talking about right now. And as a managerial class, especially as millennials are taking up the mantle on that front, they’re either forgetting about this particular issue and understanding the importance that it has, or they are just so overwhelmed by change at this point and self-preservation that it’s just an area where they’re triaging the different issues that they can deal with. Julia (20:22.492)Do you do you at all think that it is a problem of losing common sense and like letting rigid ideology take over from common sense. I certainly was benefited from working from home for most of my career, right? So it’s fascinating. Frazer Rice (20:46.061)Common sense isn’t common. And depending on the institution that you’re dealing with, work from home is either an excellent tool or a cover to hide under if you’re a mediocre performer. If you’re a manager out of sight, out of mind is a difficult place to be. I think that we’re I think everyone is reconciling to the relative absence of work and sort of acclimating to Zoom phone calls and things like that. And that gets you then away from taking care of the real issues, which is to make sure that the company’s doing right, the employees are doing right by the company, and at the same time that people are being treated fairly, because I think when people are so disparate, it just becomes a real management challenge. What we’re talking about as far as making sure that women are treated fairly in the workplace, Combine that with, I would say, message confusion that occurs in social media, where some loud voices may not be the right voices to be taking up this mantle, versus some of the quieter, stable people who are really the exemplars that we’d really like to point to. Sometimes that gets mixed. And I think the brew, if you stir it together, I think is created. Maybe if we think that there was progress since the 70s on through the 80s, 90s, 2000s for fairness and women progressing within the corporate ladder nicely, I think this the COVID blip has been a bit of a toe stub on that front. That’s an opinion, extremely uninformed, but more of an observation. Julia (22:35.713)No, no, but well, listen, I just I love it because I do want to unpack it just a little bit. It’s what’s fascinating to me is that I negotiated 15 years before covid to work remote and then my boss knowing that I had to be on the road three to four weeks a month regardless was like, I’d rather you be happy where you live because you’re to be on the road regardless. So I got to work from home and then during COVID when they tried to bring everybody back, they’re like, well, you can’t be the only exception. And I’m like, okay, I have been an exception for 15 years. So that’s where I go back to, know, where is this right balance? did, I mean, COVID is as good a reason as any that it’s things are upside down. I mean, really it’s a great theory. Frazer Rice (23:22.671)Well, it also bespeaks different corporations have different cultures and certainly some people are worried about other things than others. Muriel Siebert, who I think is an amazing example of someone who took a look at Wall Street and said, look, I refuse to be held back by anything here. She started her own company and to call it a company is to not give it the respect it’s due. She’s a major absolute force in Wall Street and one of the real legends. To me, entrepreneurism is one way through this. to create the company that you want to work in is, in some ways, to me, one of the solutions for people who are having difficulty in a corporate environment that they’re in right now. Whether they’re able to be the change agent within, which is often hard at a big, you know, bulky company that turns with the agility of a battleship as opposed to being nimble in doing things or going out and starting on their own, which involves its own risks. That to me is one of the solutions. But again, not without risk, not easy by any stretch. Where did that fit into your mindset as you were thinking about this? Julia (24:37.16)Well, so, so she is an icon, not just because of what she was able to accomplish, but she also did it, I think, without a college degree. And she did it. And this is important. She did it fearlessly. And what I would love to go back in time and have a conversation with her about where did she tap into that fearlessness? And you will start to see. Frazer Rice (24:48.665)Mm-hmm. Julia (25:06.77)On my own social media, am trying to tap into that whole mindset of women need to lose fear. I’ve already talked about it, but here’s what’s important to know, right? By 2030 in the US alone, women will control $34 trillion of investable assets. I believe that that is when you start seeing the game change. Look at how Mackenzie Scott is giving without glory. I posted that in a remark that’s gone semi-viral on LinkedIn. Like she is giving without glory. She wants to give, she wants to be anonymous almost about it, and she’s giving without handcuffs. And what is she giving to? She’s giving to communities, she’s giving to schools, she’s giving to healthcare. I mean, it gives me goosebumps every single time. And so I feel like women When we start to control more, we’ll start giving in, Alice Walton is the same way, giving in a different way to change society in a more meaningful way at scale. And Muriel was a pioneer in that regard. And she is someone I think we need the next generation to know about. because she was so fearless and it’s an inspiration. But you and i both know that all kinds of things that women have accomplished are never spoken about in the same way that they are about man and about men. I do think that that’s one of the great things about some of we can go into social media some of the social media change that we see happening with alpha female and all of these great accounts that are just starting to say, know what ladies, we don’t have to buy into the patriarchy. We can do it our own way. And so I think we will finally see change, but I wanna be very clear, Frazer, it’s going to get worse before it gets better. Frazer Rice (27:12.195)Got it. So for people who are in a corporate structure, corporate environment, aren’t ready to make the leap to starting their own business, which is obviously a difficult decision, but when you’re in there, what are the things tactically that one can do to prepare, not only prepare themselves, but protect themselves against these forces that are out there? One of the thoughts I had is making sure that in the job description that you’re able to point to numerical or formulaic successes so that if a narrative is being built against you, you can point to dollars created or jobs saved or metrics that in the boardroom. Not only just qualitative successes, but also quantitative ones that makes it difficult for people to ignore you from a pure dollar perspective. Things like that, what pops up in your mind? That you would tell people to think about in terms of art directing their career. Julia (28:15.023)Yeah, well, the number one thing that I always say, and I’m kind of, it’s kind of a legend for it. So it’s ABE and it stands for Always Be Executing. And when I look back and see how successful I was in a corporate setting, of course, in my case, it was that I had a great boss and a great mentor and sponsor in him. But actually, I was always focused on executing and doing it in a way that is collaborative so that you don’t have the knives coming for you from every direction. think a lot of people who the more successful that you get in your career, you think, I’m fabulous because I’m fabulous. No. You need a mindset of I’m fabulous because I am creating a team around me, no matter who I am, even if I’m not the boss, to protect each other and help each other and lift each other up. if you are always executing and you hit on it, right, as a woman, you should always be keeping track of your metrics in a way that is tangible and defensible. But you also should never take for granted the fact that no matter how senior you are, you need to be getting something done. And I do think that it is a big mistake for people to get high on their own supply and forget that. And then, and then the sharks will come for you. So always do something. And this is just a final thing, cause I have lots of people that I mentor. They’re like, just name one thing. I’m going to give you one thing. Send meeting notes. If you go to a meeting, and everybody’s on a call, 15 people are on a call. If you’re the one who sends meeting notes and this is a hot button, right? For women, they’re like, well, I’m not the secretary. I don’t wanna take me. You know what? Put your ego, park it in a parking lot and send meeting notes. You would be shocked how much goodwill and how effective you’re perceived when those notes, like say a project is going downhill and somebody goes, but. Julia (30:30.157)Such and so committed to this and you’re like, those meeting notes were written by Julia Carrion. Nobody has to do that. But corporations get unwieldy. lot of churn happens. A lot of stuff doesn’t get done in a day. If you can demonstrate that you are someone who is acting in good faith and doing small things to keep the needle moving, somebody in senior management is going to notice that, I promise. Frazer Rice (30:53.763)The other thing I sort of, and this doesn’t just go for women, this is for people generally, is the ownership mentality and the move toward equity, and by equity I mean stock equity, where the mindset to me shifts when you move from sort of salary and bonus to equity in the firm. And that subtle shift suddenly puts you in a different position in terms of sitting at the same table as someone who is, let’s call it quote unquote, making the decisions. When you’re there and your ownership of the firm, however small it is, is rendered unimportant. First of all, that tells you to go. Second of all, I just feel like the people who exist on that plane bring up different things and then are thought of differently. Does that track with your experience? Julia (31:48.819)It does, but I think that this goes to kind of how is the corporate world changing and then how does that impact employees? So, and where I’m going with this is when I was at Wells, my compensation was a third, a third, a third. So it was a third cash, a third cash bonus and a third in stock. Do you want to know what’s going on? And I don’t know if you know what’s happened on Wall Street. Every single major bank is moving to you only get a quarter in equity and the rest of it is cash. So I think that the onus to here is on corporations to be thinking about how they’re treating employees. And to your point, what, what does that mean when you show up and how vested are you in the option? Just real quick, I want to give a shout out to Maureen Clough. I don’t know if you follow her, she just yesterday did an amazing six minute post on why companies are losing loyalty from employees. so like, again, this goes back to is everybody backsliding right now because these corporations have to realize that in order to keep good talent, you want them to have a stake in the game, but that’s winnowing, I think. Frazer Rice (33:11.819)I know. I agree. Frankly you know to me at the larger institutions that aren’t willing to sort of play ball as far as involving people in the ownership that’s a signal and when it’s a signal then you know if you’re good at your job and you bring things to bear you know there are other there are other places out there. I think those places that value you want you around and they want you to be able to participate and how the broader governance of the company works. It’s a lot like how Goldman Sachs was back when it was in the partnership days. Everyone who was a partner there understood how everything else was working and ultimately that meant that, I don’t know, I feel like Goldman still does well now, but it’s a different climate, different firm where you’re completely involved in everything else and therefore the information is out there and… it’s something that you’re not blindsided as much by what’s happening in other divisions within your firm. Julia (34:15.472)Yeah, totally agree. Frazer Rice (34:16.911)One other thought that as we were sort of squiring through this was the idea that it’s important to have information sources or networks both within your company that are outside of your reporting line, but also information networks and support outside your company. I call it sort of the kitchen cabinet of people who are similarly situated or in different spots so that you have context into which to sort of find out what your what you’re up against both inside the company and outside of it. Is that something that makes sense to you or is it something that was lacking in your current situation? How did you think about that? Julia (34:57.906)Hmm. I love that because in 2017, I took stock of the fact that I had become too comfortable in my lane and I was seeing that my influence at Wells was waning for whatever reason. And so I started blogging on LinkedIn in 2017. Because of a conversation with a Harvard sociologist that I write a lot about. Fscinating guy who predicted the current turmoil 10 years, almost 10 years ago. And so I started networking outside and I could not agree with you more that you need to be building your networks, not just inside. That goes without saying, right? Like I had a great career partly because I was a boss at gaining political capital at Wells all the time, right? Giving goodwill and getting it back but outside is critical. during our book, what we found out is, that women are more likely to put that aside. Because we feel like we’ve got too many other things going on, work, know, kids, all of the pressures, trying not to, you know, have a nervous breakdown on any given day, trying to stay fit, dealing with menopause. Which of course is a whole other thing that is a whole other bag of tricks. And so we don’t do it as much and it hurts us. So I absolutely think being deliberate about an external network is essential. When women ask me how to do that, I say to commit to a certain number of hours, half an hour to two hour, whatever you can give a week to doing it deliberately. I wish I had done that earlier in my career for sure. So it’s great advice. Frazer Rice (36:49.865)Along that line, I’m a big believer in being aware of your surroundings. In a sense aware of yourself and what your skills. Things that you’re annoyed are at are and what you’re good at and what you’re not good at. Did you take any tests or anything to understand what your aptitudes were or what you were interested in or more importantly not interested in or how you interact with other people personality wise and Is that something that resonates with you? sort of am a big sports fan. Dan Quinn, who’s the Washington commander coach. He got fired from the Falcons. He did a real deep soul searching and went in and got tested on a whole bunch of different things and where he came up short, where he was really good. And that allowed him to get hired again and to have at least some initial success with the team and hopefully going forward from my rooting perspective. But where does that fit into your analysis for people? Julia (37:50.351)Did somebody set that question up? That’s what I want to know. I am a huge believer in strength finders. Some people take discs, some do Myers-Briggs. The reason I asked if it was a setup is because strength finders saved my life. I was deemed top talent when I was like 34 years old at Wells and they gave me a career coach who by the way was Sarah Grady is her name. and she was Dick Kvasevich’s legend on Wall Street. She was his leadership coach and she gave me strength finders and I very quickly was very clear my top five strengths and then my bottom five strengths are not a surprise. Like I am zero. I’m like negative zero at woo. I was like, it won’t even shock you for a minute. Yes i do think that those kinds of valuations are critical and in fact i’m gonna talk to my twenty year old son about taking one i think you’ll end up taking disk but. One thousand percent if you if you do not know what you’re good at and why then try to find out because it can save your life i mean the awareness and the learnings that i got about myself. From taking one test have stayed with me for 25 years. And I’m gonna be really blunt here. I forgot those lessons when I stepped into a new culture and it was painful. So I think you have to also be disciplined about… Take it again, remind yourself, reread whatever book helps you stay grounded in who you are and how you’re showing up. And get some friends to give you feedback. Frazer Rice (39:44.111)Well, mean, people get better or change or worse at certain things. And so you’re not the same person you were 20 years ago. And, you know, it merits revisiting every once in a while. As we wind down here, unfortunately, we probably could go on for about three hours, which I wish we could do. But one of the things that I think is interesting, too, you talked about political capital and building it up, is that I think one piece of advice that I tend to give to people who are starting out and might be useful in the situation that we’re describing here is that when you have political capital, you’ve got to be willing to spend it occasionally. Careers, in my experience, take quantum leaps in that you’ll be going around for a while and then something good will happen and then you’ve got to kind of take advantage of the advantage while you have the advantage of having the advantage and moving up and then reestablishing the plane. And it’s a little bit like a ratchet where when the wrench turns, it doesn’t turn backward. You can kind of continue to elevate on that point. Is that something that you saw where, you know, as you were making the moves up the ladder that didn’t happen at the last situation that maybe might’ve been something that could’ve turned out differently? Julia (41:01.791)Yes, and I think that being more aware of my surroundings would have helped. I don’t think it would have changed the outcome in the other example. But the political capital that I was able to gain is that I got promoted every single time Wells did a major merger when people were panicking about their jobs. Frazer Rice (41:08.623)Mm-hmm. Julia (41:31.061)And one of the things that I did that you and I could probably discuss for two days is I gave up control of trying to manage the outcome. In other words, I went to senior management with two major mergers and I said, you know what? I don’t care what I do for the time that the companies are trying to come together. You give me something hard to do and ugly and I will get it done the right way. And then you decide whether I get rewarded or not. And when I crushed both of those tasks, I got major promotions. So I think it, I think a lot of people think, I’m going, I had a, had an employee who told me I should just get promoted because I’m sitting here and I’ve been sitting here for two years. mean, it really, life just really doesn’t work that way. In my experience, you got to work your ass off for it. And, and you have to put your ego aside and you have to hope that the universe is gonna pay you back. And I believe that because the universe always has. I believe that even now with my current situation, like everything that has brought me here has made me a spokesperson for like a better way because of what happened to me, right? I had 20 years of goodness and then I had something really hard happen. And I’m trying to make lemonade out of a very difficult situation because it is the only way, the only way out is through. So I just have to keep going through and I love the idea of yes, you’ve got to spend your political capital. can’t, know, George Bush said that you can’t just collect it. What are you collecting it for? If you’re not going to spend it. Frazer Rice (43:17.817)Exactly. Okay, we have to disembark here, unfortunately. How should people keep track of your situation? How do they find the book? And how do people get in touch? Julia (43:31.846)Yep. I have, um, I’m on LinkedIn. I have a website, juliacarrion.com. If you are looking for, I’m doing some consulting on a digital transformation always and org design or whatever. So you can find me there. And then, um, you know, today’s a big day. We are filing today or tomorrow, a response to my lawsuit. So it would probably make the news. Thank you to you for being a great ally to women and having me on. The book is walking on broken glass.com. It’s such a great name. So you can order the book on the website from any of your favorite book resellers. Frazer Rice (44:14.639)Super, well good luck with the legal proceedings. All of your information will have that in the show notes so people can find it easily. I think you’re coming off of a difficult situation. I think you’re gonna turn it into something far more transformative. Even you’re envisioning it right now. So I’m hoping for the best here. Resources & Links: Walking on Broken Glass: Navigating the Aftermath of the Glass Ceiling StrengthsFinder Assessment Julia Carrion on LinkedIn Julia Carrion's Website Connect with Julia: LinkedIn Website Stay tuned for updates on her legal case and ongoing advocacy efforts. Don't miss her insights into transforming adversity into empowerment and systemic change. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords: Gaslighting, Corporate Culture, Women in Leadership, Workplace Equity, Julia Carreon, Wells Fargo, Citi, Legal Battle, Glass Ceiling, Political Capital, StrengthsFinder, Work-Life Balance, Systemic Change, Weaponized HR

Jacob Boston Talks to new CiTi BOCES SYNERGY Teacher Ms. Gorman about her beginnings as a teacher, the untold truths about teaching, and her work connecting students like Jacob with organizations like The Sanctuary

Carl Quintanilla, Sara Eisen, and Michael Santoli began the hour with a look at this morning's inflation report, and breaking headlines on the energy front. Longtime market veteran Chris Verrone discussed the market implications of it all - before the team dove into more on oil with one guest arguing we're seeing a "nightmare scenario" play out. Plus: hear Council on Foreign Relations President Emeritus Richard Haass give his take on what's needed for the Iran war to an end.   Also in focus: Oracle shares popping in the early trade after a strong report - Citi's Co-Head of Research broke down the numbers, and why he's raising his price targets here... and more on one bank's decision to rein in private credit lending, and mark down software portfolios.    Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Theory Ventures GP Tomasz Tunguz talks with TITV Host Akash Pasricha about Nvidia's $2 billion bet on Nebius and Meta's new custom AI chips. We also talk with Citi's Tyler Radke about Oracle's accelerating AI-driven cloud business and E-comm Reporter Ann Gehan about OpenAI's ChatGPT apps and early struggles in online shopping, and we get into OpenAI's Sora video model, its integration into ChatGPT, and the soaring costs of AI with Stephanie Palazzolo. Lastly, we chat about how AI is reshaping SaaS sales, ROI, and boardroom expectations with PwC's Dallas Dolen.Articles discussed on this episode: https://www.theinformation.com/briefings/ai-cloud-company-nebius-gets-2-billion-nvidia-investmenthttps://www.theinformation.com/articles/openai-plans-launch-sora-video-ai-chatgpt-strategy-shifthttps://www.theinformation.com/articles/openais-betting-chatgpt-apps-people-need-find-firstSubscribe: YouTube: https://www.youtube.com/@theinformation The Information: https://www.theinformation.com/subscribe_hSign up for the AI Agenda newsletter: https://www.theinformation.com/features/ai-agendaTITV airs weekdays on YouTube, X and LinkedIn at 10AM PT / 1PM ET. Or check us out wherever you get your podcasts.Follow us:X: https://x.com/theinformationIG: https://www.instagram.com/theinformation/TikTok: https://www.tiktok.com/@titv.theinformationLinkedIn: https://www.linkedin.com/company/theinformation/

SBS Finance Editor Ricardo Gonçalves speaks with Josh Gilbert from eToro to as NAB, Westpac and Citi predict two RBA interest rate rises in a row as oil prices remain high threatening inflation; and Stephanie Youssef speaks with Blair Davies from the Australian Taxi Industry Association to find out, if like some airlines, taxis will need to increase fares to cover the spike in petrol prices.

- Citi and Evercore: Apple Well Positioned Despite/Because of Memory Crunch - Shipping Times Keep Slipping for MacBook Neo - AppleCare+ MacBook Neo Repairs Less Expensive Than Other Macs - Apple Seeds Fourth Betas of blankOS 26.4 to Developers - macOS 26.4 Beta Adds MacBook Neo Wallpapers for All Macs - iOS 26.4 Makes Way for New Emoji - Jeff Daniels Signs on for Season-Five of "The Morning Show" - Apple TV Outs Trailer for "Margo's Got Money Troubles" - Apple TV Drops Season-Two Trailer for "Your Friends & Neighbors" - Two Apple TV Titles Take Home GLAAD Awards - Sponsored by Squarespace: Get 10% off of your first purchase of a website or domain with offer code MACOSKEN at Squarespace.com/MACOSKEN - Sponsored by NordLayer: Get an exclusive offer - up to 22% off NordLayer yearly plans plus 10% on top with coupon code: macosken-10-NORDLAYER at nordlayer.com/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

Avalanche CBO, John Nahas, reveals the roadmap to solve the $100 trillion institutional distribution problem by trading general purpose blockchains for custom L1s. John Nahas, Chief Business Officer of Avalanche, joins Gen C to reveal the roadmap for transforming global finance through custom tailored, sovereign L1 blockchains. John breaks down the industry's much-needed transition away from "one-size-fits-all" technology to solve the $100 trillion distribution problem for institutions like JP Morgan and Citi. He shares the strategy behind Avalanche becoming the invisible backbone for everything from FIFA collections to tokenized equity markets, delivering the institutional rails required to move beyond speculative hype into real world economic value. - Links mentioned from the podcast: John's Twitter Avalanche Website Ava Labs Website New York Times Article: "Crypto is Pointless" - Follow us on Twitter:  ⁠⁠Sam Ewen⁠⁠, ⁠⁠CoinDesk - "Gen C" features host Sam Ewen. Executive produced by Uyen Truong.

Avalanche CBO, John Nahas, reveals the roadmap to solve the $100 trillion institutional distribution problem by trading general purpose blockchains for custom L1s. John Nahas, Chief Business Officer of Avalanche, joins Gen C to reveal the roadmap for transforming global finance through custom tailored, sovereign L1 blockchains. John breaks down the industry's much-needed transition away from "one-size-fits-all" technology to solve the $100 trillion distribution problem for institutions like JP Morgan and Citi. He shares the strategy behind Avalanche becoming the invisible backbone for everything from FIFA collections to tokenized equity markets, delivering the institutional rails required to move beyond speculative hype into real world economic value. - Links mentioned from the podcast: John's Twitter Avalanche Website Ava Labs Website New York Times Article: "Crypto is Pointless" - Follow us on Twitter:  ⁠⁠Sam Ewen⁠⁠, ⁠⁠CoinDesk - "Gen C" features host Sam Ewen. Executive produced by Uyen Truong.

Episode 162 of the Award Travel 101 podcast, hosted by Cameron Laufer and Mike Zaccheo, opens with a listener question that highlights the difficulty of earning American Airlines miles without access to key transfer partners. The discussion underscores why AA miles remain so valuable, especially for premium partner redemptions like Japan Airlines, and explores limited workarounds such as credit card sign-up bonuses or indirect transfer options. The hosts then cover recent news in the points-and-miles space, including Chase adding Wyndham as a transfer partner, transfer bonuses from Citi, and elevated credit card offers across Hilton and United portfolios. They also share personal updates, including recent redemptions, new card strategies, and upcoming travel plans.The main focus of the episode is “Hyatt-ageddon,” a major overhaul of the World of Hyatt award chart. Hyatt is introducing a new pricing structure with expanded tiers and significantly higher point costs—ranging from moderate increases to jumps as high as 67% at peak levels. The hosts explain that while Hyatt is not fully moving to dynamic pricing, the wide pricing bands and lack of guarantees on award availability make it function similarly. Popular properties are expected to price at higher tiers more frequently, reducing the outsized value Hyatt points once offered.Despite the negative reaction from many travelers, the hosts emphasize that this kind of devaluation is common in loyalty programs. They suggest adapting strategies by prioritizing free night certificates, booking high-end properties sooner rather than later, and considering alternatives like other hotel programs or even booking through travel portals. The value of Hyatt elite status—particularly Globalist—is also questioned, with the conclusion that while benefits remain strong, travelers may need to reassess whether pursuing status still makes sense under the new system.Episode Links:Chase adds Wyndam as partnerElevated Hilton Card offersElevated United Card offersBank of America rewards changes Where to Find Us The Award Travel 101 Facebook Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Buy your Award Travel 101 Merch here Reserve tickets to our Spring 2026 Meetup in Phoenix now. award.travel/phx2026 Our partner CardPointers helps us get the most from our cards. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card! Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.

Carl Quintanilla, David Faber, and Sara Eisen broke down recent labor data - and what it could portend for a big Jobs report tomorrow - before Citi's U.S. Equity Strategist weighed in, and the team got breaking news on Iran. Software stocks staging a big rebound in the early trade as investors work through AI disruption fears - and the CEO of Salesforce pushes back on the 'SAASpocalypse'... Why he says the technology is a good thing for his company, and workers this hour - along with new comments from OpenAI CEO Sam Altman, live at Morgan Stanley's TMT conference.  Plus: Paramount Skydance Chairman & CEO David Ellison joined the team live from Los Angeles - in his first interview since prevailing in the battle for Warner Brothers Discovery... Hear his take on key hurdles ahead, why they paid top dollar to beat Netflix, and more.  Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dag 6 van de oorlog in Iran. Volgens het Witte Huis gaat het prima, maar het is ook de dag dat er (nog steeds) zorgen zijn om de hoge olieprijs. Beleggers wereldwijd vrezen toch dat het de inflatie gaat aanwakkeren. Met alle gevolgen van dien.Deze aflevering kijken we of deze oorlog een 'forever war' wordt en wat dat voor jouw beleggingen betekent. Ook of je je nu al moet wagen aan de 'buy the dip' van analisten van Citi.Ook gaat het deze aflevering over een van Hollands meest bekende techbedrijven. TomTom! Dat ziet oprichter én ceo Harold Goddijn vertrekken. Hij vindt het tijd voor nieuw leiderschap. Tijd om voor ons de balans op te maken: wat heeft hij in die 25 (!) jaar als ceo voor het bedrijf betekend? En kan TomTom nog een keer 25 jaar mee?Hoor je ook over de fabelachtige cijfers van Broadcom (dat de verkoop van AI-chips denkt te vervijfvoudigen), over het record van Boskalis en over de teleurstellende cijfers van China.Ook in deze aflevering: analistenpraatjes. Zogeheten pre-close calls tussen analist en bedrijf beïnvloeden de beurskoers, zegt de AFM. Maar het grijpt niet in. Tot woede van de VEB. Te gast: Erik Mauritz van Trade Republic BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

The African American community has long been an under-appreciated and underserved segment in retail. One clothing retailer is tailoring their offerings to meet their specific needs, which has led to incredible brand loyalty, and huge profits.Ken Seipel has served as Citi Trends CEO since November of 2024, and became the chairman of the Board of directors in April of 2025. Ken has extensive retail leadership experience, including serving as the CEO of West Marine from 2019 to 2021, and CEO of Gabriel Brothers from 2013 to 2017.Ken joins us to talk about his storied career in retail, how Citi Trends is leveraging AI to make smarter decisions, and why he feels so confident in their future growth.Highlights:Ken's retail journey (2:05)Turnaround experience (3:53)The Scale of Citi Trends (5:03)Off-price retail (6:35)Serving the African American community (7:21)Three-Tiered Product Strategy (10:08)The Citi Trends Turnaround (12:38)Leveraging AI (14:29)What's driving their recent success? (16:21)Gross Margin Expansion (19:35)Expansion Strategy (21:44)Focus for 2026 (24:46) Links:Ken Seipel LinkedInCiti Trends LinkedInCiti Trends WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co

This week's Espresso covers news from Bravo, Addi, Tools for the Commons, and more!Outline of this episode:[00:30] – Bravo raises $236M for debt settlement solution[00:42] – Addi secures $89M from Citi[00:52] – Tools for the Commons raises $1.9M pre-seed round[01:07] – Carryt acquires Paket for regional expansion[01:18] – Moonflow partners with PuntoredResources & people mentioned:Startups: Bravo, Addi, Carryt, Paket, Tools for the Commons, Moonflow, PuntoredVCs: Fortress Investment Group, Citi,

Choice Privileges is a hotel chain with brands like Clarion, Comfort Inn, Quality Inn, Radisson Americas etc. In today's podcast, we'll talk about the pros and cons of this program. You can find our Choice Privileges complete guide here.Choice Privileges Pros and ConsPros / items of interest...(01:37) - Earn elite status through credit card spend thanks to an update in early 2026. (05:59) - (Somewhat) fixed award chart(07:16) - Ability to book premium rooms with points sometimes(09:53) - Preferred Hotels partnershipLearn more about this partnership here(11:53) - Transfer 1:2 from Citi or Wells Fargo(12:31) - Buy points for around .7cpp during sales(13:14) - Titanium Travel Award: 50% off award stay up to 7 nightsCons...(16:23) - Not much elite benefit. Breakfast at Diamond, Titanium Travel Award at Titanium. (17:10) - Points expire after 18 months of inactivity(17:37) - Fewer aspirational properties (apart from Preferred Hotels, and even that experience is complicated)Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – Beach Walk by Unicorn HeadsMentioned in this episode:Visit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/

The Future of Technology and Innovation with Amy Cheney Explore the transformative trends shaping technology, from quantum computing cooling methods to the societal impacts of AI and social media. Join Grant Asplund and Amy Cheney as they dissect the wild west of innovation, security complexities, and the importance of purpose-driven tech evolution.   Join us next time on Talking Innovation as we continue to explore the cutting edge—and sometimes chaotic—world of tech evolution.

When it comes to banking, Joseph Healy has seen it all. After a long career holding executive positions at NAB, ANZ and Citi, the high-profile banker co-founded Australia’s first fintech unicorn, Judo Bank. And beyond the world of financial services, the chief executive also started mental health group Malu Health last year. On this week’s episode, BOSS editor Sally Patten finds out what drives this CEO and the most valuable lessons he’s learnt along the way. This podcast was sponsored by Aussie Broadband.See omnystudio.com/listener for privacy information.

To reduce poverty in Africa, there are very few silver bullets. Yet energy access is emerging as a rare bright spot, says Eugene Amusin, Head of Strategy and Global Solutions for Social Finance at Citi. He told BizNews in an interview that offgrid solar and payasyougo (PayGo) models are scaling faster than any other energy solution and are transforming rural lives across the continent. Citi is helping mobilise private capital for Mission 300, the World Bank and African Development Bank initiative to connect 300 million people to electricity by 2030, including a landmark $156 million securitisation for Sun King, in Kenya that has drawn new investors into the sector. Amusin says South Africa's success in industrial scale solar offers lessons for the continent, while South Africa itself could learn from its neighbours' rapid expansion of offgrid household systems, still needed by around 10% of homes in the country. – Linda van Tilburg

In today's podcast episode, we'll talk about stacking dining credits, give a caution aboutgifting Marriott free night certificates, and will resurrect expired Southwest credits.Crazy Thing(00:57) - Southwest shows different seatmap availability to different passengersRead more about Nick's experience with Southwest's assigned seating hereAwards, Points, and More(04:10) - Alaska Vacations adds discounts, VIP perks for elite membersRead more about this here(07:05) - “Free” Norwegian cruise for Caesars Diamond Elite membersRead more about this here(10:26) - Recent breaking news... Hyatt devaluationFind out more about the Hyatt devaluation here(14:43) - Wyndham Rewards added as new Chase Ultimate Rewards transfer partnerRead more about this here(16:17) - Bilt has launched a transfer bonusRead more about this here[28:03:23 ad]Main Event: Gems from our Giant Mailbag(28:05) - Bridget says: DEN is an airport that has the security reservation program (DEN Reserve)...(29:44) - Chaim says: For Resy and Sapphire Reserve® Exclusive Tables credits you can buy gift cards online for lots of restaurants that trigger the credit. Therefore, you can bank up multiple hundreds of dollars, and then when it works with your plans, you can splurge on an amazing dinner or two...(32:47) - Mark says: I just finished listening to the January 2 podcast. With regards to your answer for the question of the week about which cards you keep in your digital wallet, I recently discovered something about Apple wallet specifically that might be of use, at least to Greg since he is the only one of you using Apple...You can catch that episode here(36:16) - Nathan says: I just listened to episode 343 and wanted to share a data point regarding the $500 Gift of College gift cards...You can catch episode 343 here(39:29) - Mike says: If you look up IHG Destined One Night On Us, there's no result directly from IHG, but multiple hotel booking agents' websites reference a stay x nights get 1 night free promotion for participating hotels. For example: https://bonvivant.co.uk/wp-content/uploads/2025/07/Q3-IHG-Destined-Stay-Pay-Promo-HFP.pdf(44:42) - Panayot says: Convert expired SWA credit to a LUV voucher...(48:51) - Tracy says: I have a data point relevant to your episode on gifting points and miles...Catch that episode here(52:19) - Melissa says: Thanks so much for the article on the pitfalls and warnings booking via I Prefer hotels...Hear some of the pitfalls of booking via iPrefer here and read more about using Citi points for I Prefer here(53:44) - Amalan says: Just sharing a couple of good data points from a quick weekend trip to Chicago...(55:27) - Jefferson says: Thanks to the FM team!Question of the Week(57:33) - Is there a formal appeal or consideration process when Citi declines for high amount of unused credit?Find out more about Citi application tips hereSubscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Visit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/

Is Jane Street the reason Bitcoin is not sitting at 150K right now? Massive claims of ETF manipulation, shorting strategies, and structural price suppression are colliding with a surge in institutional adoption. As BlackRock's ETF market maker faces scrutiny, Morgan Stanley, Citi, and others rush to offer Bitcoin trading and custody. Meanwhile, Saylor and Cathie Wood double down with bold predictions that could redefine this cycle.SPONSORS✅ Ledn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nmj1gs2i.com/9W598/9B9DM/?source_id=podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Simply Bitcoin clients get 0.25% off their first loanNeed liquidity without selling your Bitcoin? Ledn has been the trusted Bitcoin-backed lending platform for 6+ years. Access your BTC's value while HODLing.

This episode covers the latest in crypto market analysis, including potential short squeezes, market manipulation allegations, and institutional adoption. Brendan and Tevo analyze technical charts, discuss regulatory developments, and explore the future of crypto infrastructure and stablecoins as major players like Morgan Stanley, Citi, Meta, and Robinhood continue to build crypto infrastructure. Brendan 6 Week Technical Analysis Trading Course https://www.cryptorevolution.com/brendans-mbr-program?utm_source=Internal&utm_medium=YouTube&utm_content=Rundown&utm_term=20251112Check out Webroot: https://webroot.com/CRYPTO101Check out Gemini Exchange: https://gemini.comCheck out Quince: https://quince.com/CRYPTO101Check out Mars Men: https://mengotomars.comGet my #1 altcoin pick for this month.Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Get immediate access to my entire crypto portfolio.. just $1.00 today! Go here to get access: https://www.crypto101insider.com/cryptnation-directm6pypcy1?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Get your FREE copy of "Crypto Revolution: Your Guide To The Future of Money". In this book, I reveal how to make (and keep) a fortune during this crypto bull run! http://www.cryptorevolution.com/free?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Chapters00:00 The Looming Short Squeeze in Bitcoin08:45 Jane Street's Controversial Role in Market Manipulation18:35 MicroStrategy: The Most Shorted Stock28:19 Technical Analysis of Bitcoin's Price Action & Altcoins36:31 Big Banks Embrace Bitcoin and Crypto Trading42:00 RWAs Onchain Stats Continue to GrowMERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Mars Men: https://mengotomars.com* Check out Quince: https://quince.com/CRYPTO101Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Citi's Scott Chronert gives his market outlook. Duke Energy CEO Harry Sideris joins the show to talk energy. And Amazon announces it will invest $50B into OpenAI as part of a $110B funding round.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

En este episodio hablamos de la venta del 24% de Banamex; del crecimiento de Mercado Libre; de la fallida compra de Prosa por parte de Visa; y de la mejora en ventas de American Girl.Notas del episodio:10:49 - Banamex23:18 - Mercado Libre32:01 - Prosa y visa40:24 - American GirlPrueba Whitepaper 30 días gratisCompra tu gorra o ilustraciones de Whitepaper aquí⁠Escucha nuestro newsletter diario "Whitepaper Hoy" en Spotify⁠Recomendaciones:Lithia & Driveway (LAD) Reports Fourth Quarter Results and Full Year Results

130 mil uniformes para alumnos de la GAMCiti coloca 24% de Banamex por 2 mil 500 mddTrump amenaza con atacar Irán si no hay acuerdo nuclearMás información en nuestro Podcast

Una visita de su pareja sentimental y una cabaña llevaron a la captura de “El Mencho”, Citi vende 24% de Banamex a inversionistas privados y con 100,000 canciones nuevas al día, ganar en Spotify es imposible, con Mónica Alfaro y Lidia Arista.-> Escucha el nuevo episodio de Cuéntame de Economía, en YouTube o en SpotifyIntroducciónUna visita de su pareja sentimental y una cabaña llevaron a la captura de “El Mencho”Citi vende 24% de Banamex a inversionistas privados; incluyen Chubb y SuraCon 100,000 canciones nuevas al día, ganar en Spotify es imposibleVeradat, el sistema para prevenir casos de lavado, ya tiene seis bancos operando

En entrevista con Ana Francisca Vega, para MVS Noticias, platicamos con Luis Miguel González, director editorial de El Economista, sobre la noticia de que un nuevo grupo de inversionistas adquirió el 24 por ciento de Banamex. González calificó esta operación como un movimiento de gran envergadura, valuado en 2 mil 500 millones de dólares, que consolida el proceso de salida de Citi del mercado minorista en México.See omnystudio.com/listener for privacy information.

In this episode of Current Account, Clay is joined by Nathan Sheets, Global Chief Economist at Citi and former U.S. Undersecretary of the Treasury for International Affairs, to explore Japan's shifting economic landscape following a historic political moment.* Just over 100 days into her term, Prime Minister Sanae Takaichi called a snap election that delivered a rare supermajority for the Liberal Democratic Party. With such a decisive mandate, Japan enters 2026 with renewed political strength and major policy opportunities. Together, they discuss what Prime Minister Takaichi's victory means for economic policymaking, how the U.S.-Japan alliance is shaping the outlook, and the growing debate around possible U.S. intervention in the yen. Nathan offers insight into why intervention is being discussed now, what it would aim to accomplish, and whether it is truly likely given recent messaging from Washington. The conversation also examines the broader dollar debate, Japan's uniquely high debt levels, and the pressures facing both the U.S. and Japanese economies. Clay and Nathan conclude with a look at geopolitics, specifically the delicate triumvirate relationship between the U.S., Japan and China, and how this balance could impact the global economy in the year ahead. *Before jumping into Japan, Clay acknowledges the U.S. Supreme Court's decision striking down the administration's use of the International Emergency Economic Powers Act (IEEPA) to impose sweeping global tariffs. For more on IEEPA and its implications, check out Current Account episodes [134](https://www.iif.com/Publications/ID/6450/Current-Account-with-Clay-Lowery---Episode-134--The-Best-of-Times-and-the-Worst-of-Times--A-Tale-of-Trump-s-Tariffs "https://www.iif.com/Publications/ID/6450/Current-Account-with-Clay-Lowery---Episode-134--The-Best-of-Times-and-the-Worst-of-Times--A-Tale-of-Trump-s-Tariffs"), [126](https://www.iif.com/Publications/ID/6360/Current-Account-with-Clay-Lowery---Episode-126--Stop--In-the-Name-of-Tariffs---The-Supremes--Court----IEEPA "https://www.iif.com/Publications/ID/6360/Current-Account-with-Clay-Lowery---Episode-126--Stop--In-the-Name-of-Tariffs---The-Supremes--Court----IEEPA"), [109](https://www.iif.com/Publications/ID/6166/Current-Account-with-Clay-Lowery---Episode-109--An-Eye-for-an-IEEPA--Trump-Tariffs---Where-Are-They-Now- "https://www.iif.com/Publications/ID/6166/Current-Account-with-Clay-Lowery---Episode-109--An-Eye-for-an-IEEPA--Trump-Tariffs---Where-Are-They-Now-"), and [96](https://www.iif.com/Publications/ID/6026/Current-Account-with-Clay-Lowery---Episode-96--Tariff-o-Rama--Explaining-U-S--Tariff-Implications "https://www.iif.com/Publications/ID/6026/Current-Account-with-Clay-Lowery---Episode-96--Tariff-o-Rama--Explaining-U-S--Tariff-Implications"). This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.

Las voces de la banca en México vuelven a La Estrategia del Día en esta serie de entrevistas que cada año realizamos hasta dar inicio al encuentro de los líderes del sector financiero mexicano en el país: la Convención Bancaria. Buscando siempre hablar con quienes están moviendo el tablero de juego, platicamos en este segundo episodio de la edición 2026 con Luis Brossier, el nuevo CEO de Citi en México. 

Three members of Citi's global real estate research team—Nick Joseph in the United States, Aaron Guy in the U.K., and Howard Penny in Australia—joined the latest episode of the Nareit REIT Report podcast to share their thoughts on regional outlooks and sector performance.Citi's overall expectation is for higher real estate stock returns this year versus in 2025. One key theme across all markets is supply and demand, Joseph said. “The supply picture broadly is more encouraging globally,” he noted, while Citi economists are generally “constructive” on global growth this year.Higher total returns in 2026 are anticipated in the U.S., Europe, Latin America, Singapore, Thailand, and the Philippines. In Australia and China, Citi is expecting about similar performance this year versus last year, while weaker performance is forecast in Hong Kong, Japan, and the Middle East.REITs are well positioned in the U.S. for 2026, with about a 10% to 15% total return, Joseph said. He commented on the “massive dispersion” of performance within the REIT sector. “That's really what gets us excited about different REIT opportunities because different stocks and different sectors will perform differently and create a lot of different alpha generation opportunities.”

Jane Fraser, Chair and CEO of Citi, talks with McKinsey Senior Partner and North America Managing Partner Eric Kutcher. After becoming CEO in March 2021, Jane launched a multi-year strategy to transform, simplify, and modernize the bank for the digital age – leveraging Citi’s unique global context to reset where and how it competes. Jane speaks about what the last five years have looked like for Citi and the role AI and blockchain technologies are playing, as well as what she’s learned along the way about talent, intent, and resilience. She also shares the global trends she is seeing as one of the world’s most well-travelled CEOs. Related Insights ‘You’ve got to be willing to “do,” as opposed to getting disrupted by somebody else’: A conversation with IBM CEO Arvind Krishna ‘Saying “I don’t know” is one of the hardest things a leader can do’: A conversation with Delta CEO Ed BastianSupport the show: https://www.linkedin.com/showcase/mckinsey-strategy-&-corporate-finance/See www.mckinsey.com/privacy-policy for privacy information

Muy buenos días, nos dormimos con la noticia de que Plata ya puede operar como banco, pero amanecemos con la fecha de cuándo lo hará. Nos lo revela su fundador y director. En el universo de la banca corporativa, platicamos con Luis Brossier, el nuevo CEO de Citi México, quien nos detalla su estrategia para 2026. Curiosa visita la que hace S&P Global a Palacio Nacional, Perú ya tiene nuevo presidente (interino) y Mark Zuckerberg enfrenta las consecuencias de la adicción a sus redes.

Investors react to latest Fed minutes. Omar Aguilar, CEO of Schwab Asset Management, and David Bahnsen, CIO of The Bahnsen Group, break down what the policy signals mean for equities, positioning and the path forward. DoorDash, Carvana, and Booking Holdings report numbers. Mark Mahaney, Senior Managing Director at Evercore ISI, analyzes those results plus the latest on Meta. Tyler Radke, Co-Head of U.S. Software Equity Research at Citi, on if software has finally found a bottom. MLS Commissioner Don Garber on expectations for growth ahead of the new season—and what the World Cup impact could be. Plus, a look ahead to Walmart's earnings as Corey Tarlowe of Jefferies outlines expectations. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you ready to make Citi ThankYou® Points work harder for you? In this episode, Alex, Pam, and Jess dive into the Citi ThankYou® Rewards program, sharing how recent changes have made these points more valuable than ever. They discuss how a new card and the ability to transfer points to a major airline have transformed the way they use these rewards.     The Squad explores how to earn Citi points effectively and redeem them for travel, including flights and hotel stays. By the end of this episode, you'll have a solid understanding of how to leverage Citi ThankYou® Points for your next trip and get the most out of your rewards.        You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/168     Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/      Points Talk is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad     Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad

Crypto News: Tokenized RWAs climb 13.5% despite $1T crypto market drawdown. Harvard endowment reduces stake in Bitcoin ETF, adds Ether exposure.Citi is quietly building out its crypto wealth business. Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

Members of ICMA Future Leaders — Odinaka Linus-Nwokonkwo, CFA, Lead SSA Market Trader, Access Bank, Chukwuebuka Ikem, CFA, Rates Trader, Citi, and Enock Asare, Head, Fixed Income, Consolidated Bank Ghana Ltd. recently hosted an ICMA podcast on “The Future of Finance in Africa and Its Impact on African Youth.”   They were joined by distinguished senior colleagues Dr. Okey Umeano, CFA, Deputy Director, Financial Markets Department, Central Bank of Nigeria and Abena Amoah, Managing Director, Ghana Stock Exchange.   Listen to the conversation to gain insights on the opportunities and challenges shaping finance across Africa.

JPMorganChase, Citi, Vantage Bank and Custodia Bank have all chosen Ethereum as the underpinning for blockchain projects such as tokenized deposits. The chairman of the Enterprise Ethereum Alliance explains its appeal.

Crypto News: BlackRock takes first DeFi step, lists BUIDL on Uniswap. BlackRock exec says 1% crypto allocation in Asia could unlock $2 trillion in new flows.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

Great creative does not fail because of ideas. It fails because of operations.In this episode of the OnBase podcast, Chris Moody sits down with Michael Miller, founder and head of creative at Consigliere, to explore why modern CMOs must think like architects of complex marketing systems. They unpack the hidden operational bottlenecks that sabotage performance, why agencies often get blamed unfairly, and how outdated marketing models are slowing teams down.Michael also shares a pragmatic view on AI: use it to buy back time, streamline process, and visualize ideas, not to replace creativity. If you are leading marketing in a performance-driven environment and trying to protect brand and creative quality, this episode offers a blueprint for doing both.About Michael MillerMichael Miller has built an impressive track record over his 20+ year career, developing award winning creative and digital experiences for some of the world's top companies including Delta Airlines, Jeep, Citi, Adobe, Southwest Airlines, Apple, Lucasfilm, AT&T, Nike and Etihad Airways.Prior to founding Consiglieri, Miller was the Vice President of Marketing at T-Mobile where he founded their internal agency & TMO studios, and led the modernization of the brand's marketing, creative and digital operation. Miller also architected T-Mobile's industry leading social organization.Miller was the SVP Executive Creative Director at Publicis | Razorfish for 12 years prior, leading global, digital transformation for some of the largest brands in the world.Connect with Michael.

Can you really deliver speed, quality, and cost in construction—without tradeoffs? In this episode of Construction Genius, Eric Anderton sits down with Ryan Teicher, CEO of REDCOM Design & Construction, to unpack how a fully integrated design-build model eliminates silos, accelerates delivery, and aligns teams around client outcomes. Ryan explains how bringing architecture, engineering, estimating, and construction under one roof leads to faster decisions, fewer conflicts, and better cost control. The conversation dives into early design consulting as a risk filter, sales as true client advocacy, maintaining client intent from concept through construction, and why strong leaders must be willing to walk away from the wrong projects. This is a practical, no-BS conversation about design-build done right, along with CEO-level insights on leadership, culture, and scaling a construction company.  

The Dow rallies in early market trade, reversing direction to hit a new record high. Citi lays out where they think stocks go next. Then some new reporting by CNBC details OpenAI CEO Sam Altman's rallying cry to employees as pressure mounts from Anthropic. And could a wave of anti-American sentiment hit the markets? Rockefeller's Ruchir Sharma explains why it's not likely. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do we undervalue Delta card welcome offers? How do you guys maximize SkyTeam? We answered these and many other questions on the Ask Us Anything hosted live on February 4th of 2026.(00:39) - Given the amount of travel and exposure to different cultures that the whole frequent miler team has had over the years, what experiences have changed how you live day to day back home? For example, after a trip to Italy, I became very interested in espresso to the point where I bought myself an espresso machine that I now use every morning. Has something similar happened for you all?(07:42) - Greg and Nick laugh at the idea of “things we do to keep the banks happy,” but only after they spent the Main Event discussing how they spend extraordinary amounts on credit cards – which surely keeps the banks happy! I appreciate Nick mentioning that his habit of keeping Amex cards >1 year might make Amex happy, but it'd be nice to keep some perspective given that most listeners/readers/watchers aren't spending nearly the same amount as you two. So it's logical that we might think more about “keeping the bank happy”.(13:23) - Should I open frequent flyer accounts at EVERY possible airline? Is there any downside?(14:57) - Has anyone here applied for the Disney Inspire card?(19:08) - What would you pay for a subscription to a benefit? How do you value the Alaska Atmos 100K companion fare?(23:06) - For issuers other than Amex, are there any pitfalls to be aware of when buying merchant-branded gift cards online to hit minimum spend for SUBs, from obvious gift card websites like DoorDash Gift Cards?(27:13) - I'm overwhelmed. Do you use a flowchart on how to make decisions on how something is booked? For Loyalty points, using points, using cash, using a portal, which portal...(32:55) - ​​Do you think we undervalue Delta card welcome offers? The 15% discount gives you more award flight buying power. 90k miles gives you the buying power of 103,500. Is that a bad way to frame it?(35:20) - Do you think of Citi transfers to AA as the best transfer option, similar to Chase and Hyatt?(40:26) - ​What are your thoughts about the revised BofA Air France/KLM Visa card? I have thought that that card is a acutally better for SkyTeam than any Delta Airlines related card. AF/KLM vs. Delta cards?(42:25) - ​​Is it possible to change which airline is credited to a flight after your bags are checked but before the flight departs? I'd like to get my free AA bags but have the flight credited to Alaska(46:13) - Best use of Wyndham now that Vacasa is gone and no Caesar match in Vegas? Any other options like Vacasa?(48:40) - ​​My friend wants to transfer 100,000 Citi points to me. I know that's the yearly limit, and they expire in 90 days. My question is, if I get them then transfer them, do my ThankYou Points transfer first or the gifted ThankYou points(49:30) - ​Since Delta is crazily underwhelming, how do you guys maximize SkyTeam?(51:55) - Do any of the FM team ever get denied for credit cards? Has anyone ever been in pop-up prison? How do you avoid denials?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

In this episode, we'll take Hyatt on a mattress run, we'll answer "Is Tyler crazy for liking the Bilt Paladium card?", and Nick disagrees with our entire main event!Giant Mailbag(01:07) - Tyler disagrees with all the negative feedback that the Bilt program is getting(06:01) - Read more about Greg's thoughts on Bilt changes hereCard News(08:18) - Atmos Ascent ($95 card) offerLearn more about the Atmos Ascent card here(10:24) - Southwest consumer card offers: Companion Pass + bonus pointsLearn more about the Southwest consumer card offers hereMattress Running the Numbers(13:08) - Hyatt's overlapping promosLearn more about the Hyatt Bonus Journeys hereLearn more about the Hyatt House / Hyatt Studios promo hereBonvoyed(21:00) - Chase makes it harder to track Ink Business Cash® 5x spendingLearn more about this hereAwards, Points, and More(22:09) - Capital One: 30% transfer bonus to Japan Airlines Mileage BankRead about Japan Airlines sweet spots here: https://frequentmiler.com/best-uses-of-japan-airlines-mileage-bank-miles/Learn more about the transfer bonus here: https://frequentmiler.com/30-transfer-bonus-from-capital-one-miles-to-japan-airlines-mileage-bank/See our podcast episode 325 "Sweet-spot awards courtesy of Japan Airlines" here: https://frequentmiler.com/sweet-spot-awards-courtesy-of-japan-airlines-frequent-miler-on-the-air-ep325-9-26-25/(25:26) - Citi is still allowing product changes between AAdvantage and ThankYou point cardsLearn more about Citi no longer allowing product changes between AAdvantage and ThankYou point cards here: https://frequentmiler.com/is-citi-no-longer-allowing-product-changes-between-aadvantage-and-thankyou-point-cards/(29:03) - Rove "Built Better" promoRead more about the Rove "Built Better" promo here: https://frequentmiler.com/rove-built-better-promo-7x-on-hotel-stays-bonus-earnings-free-miles/Main Event: Battle of the $350 airline cards: AA, Delta, United (and Alaska)(32:40:09) - Comparing $350 airline cards: AA, Delta, United (and Alaska)(35:33) - Earnings on spend(40:25) - All offer standard airline card perks such as free checked...

Shares of Google parent Alphabet fell after its quarterly report, despite beating estimates. Citi analyst Ron Josey explains the weight of AI spending on profit margins. After President Trump gave an interview to NBC's Tom Llamas, Senator Bernie Moreno (R-OH) discusses the President's pick for Fed chair, Kevin Warsh. Sen. Moreno also weighs in on the Department of Justice's case against the current Fed chair, Jay Powell. Ahead of the Super Bowl, CNBC's Contessa Brewer reports on the weekend wagers boosting traffic on sportsbooks and prediction markets. Jonathan Cohen, author and head of the American Institute for Boys and Men Sports Betting Policy Hub, underscores the risks of game day bets for financial and mental wellbeing. Plus, fallout from the Epstein files continues. Ron Josey - 4:42Senator Bernie Moreno - 17:12Contessa Brewer - 27:08Jonathan Cohen - 31:57 In this episode:Becky Quick, @BeckyQuickJoe Kernen, @JoeSquawkAndrew Ross Sorkin, @andrewrsorkinCameron Costa, @CameronCostaNY Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What's it really like to be a trader at a global investment bank?Chloe Shepherd returns to the Market Maker Podcast to pull back the curtain on the trading floor. With nearly a decade of experience at Citi and RBC, she shares the real story - the workflows, pressure, client interactions, and the surprising skills that matter most.We bust common myths about trading, explain the difference between perception vs reality, and break down what makes someone successful in this fast-paced world.Topics include:What traders do day-to-dayTrading floor culture & paceSoft vs technical skillsWhy emotional intelligence mattersAdvice for aspiring tradersIdeal for students, grads, and anyone exploring a career in markets or finance.(00:00) Intro – Chloe returns to the podcast(01:54) Explaining trading to people outside finance(03:58) What is credit repo trading?(05:59) Who are the clients & how big are the trades?(12:32) Where credit repo sits in a big bank(15:24) How to get into a niche trading desk(18:40) Day in the life of a trader(21:22) Reality vs stereotypes of trading culture(23:48) Communication skills & client interaction(26:40) Waitressing to trading: transferable skills(31:01) From history degree to the trading floor(34:15) Why emotional intelligence matters(37:47) How traders build resilience(42:20) Final reflections & advice for future tradersListen to the previous episode with Chloe 'Breaking Barriers: Navigating Social Mobility in Finance'.

If you have an American Airlines card issued by Barclays, it won't be a Barclays card for much longer, as AA cards will transition to Citi instead. So what does that mean for you? We'll answer some common questions about this transition in today's podcast episode.Barclays AA cards: planning the transition to CitiRead more about the Barclays to Citi transition here.(01:03) - April 24, 2026, the bank that issues your AAdvantage® credit card is changing from Barclays Bank Delaware to Citibank, N.A. (Citi)(02:15) - $99 cards(02:45) - Silver to GlobeSee our episode about the Globe card here.(03:24) - Barclays vs Citi Companion Certs(11:45) - Should we cancel our Barclays cards before the changeover?(16:38) - Disadvantages to cancelling BEFORE(23:07) - Should we apply for Citi AA cards before the changeover?(24:25) - What are Nick and Greg going to do?Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – Beach Walk by Unicorn HeadsMentioned in this episode:Check out this month's sponsor and support our showJoin the loyalty program for renters at joinbilt.com/mileshttps://joinbilt.com/miles

On the latest episode of The Mets Pod, Connor Rogers and Joe DeMayo recap a week that turned the tide on the Mets offseason and outlook for 2026. First up, the guys react to the huge trade that landed top starter Freddy Peralta along with Tobias Myers, in exchange for top prospects Jett Williams and Brandon Sproat. Then Connor and Joe move onto the acquisition of center fielder Luis Robert Jr, the official introduction of Bo Bichette, the addition of Luis Garcia to the bullpen, and maybe more moves to come.  The show also goes Down on the Farm to look at how the trades affect the organization, and answer Mailbag questions about adding another outfielder, and the September return of Pete Alonso to Citi Field with the Orioles. Be sure to subscribe to The Mets Pod at Apple Podcasts, Spotify, or wherever you get your podcasts.Today's Show:00:00 Welcome to the show00:50 What a crazy week for the Mets02:35 Freddy Peralta and a long offseason10:00 The state of the starting rotation14:30 Jett Williams and Brandon Sproat, gotta give to get18:15 Luis Robert Jr is here for CF28:25 Bo Bichette meets the Mets and the media36:00 Luis Garcia bolsters the bullpen38:05 Any more Mets moves left?40:45 Down on the Farm: A.J. Ewing plus pitching prospect depth47:00 Mailbag: Awkward times and videos when Pete returns to Citi?51:05 Mailbag: Austin Hays while we wait for Carson Benge?55:20 GM Joe wants a contract extension for Freddy Peralta Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

January 23, 2026: In this episode of Future Ready Today, I unpack why Citigroup CEO Jane Fraser's blunt "results over effort" message is such an important signal—and why it marks the end of comfortable work far beyond Wall Street. Citi's job cuts and cultural reset aren't about short-term cost savings; they reflect a broader shift toward harder performance standards, fewer layers, and much less tolerance for ambiguity. I connect that message to Amazon's continued flattening of corporate roles, the growing "sink-or-swim" reality many employees are feeling across industries, and what global leaders at Davos are quietly admitting about jobs, competition, and adaptability in an AI-driven world. I also explore why the lack of consensus among AI leaders themselves is pushing responsibility back onto human judgment and leadership.

January 22, 2026: For years, we've talked about jobs, titles, careers, and skills as if they were stable foundations of work. They're not. In today's episode of Future Ready Today, I break down five stories that reveal a deeper truth most leaders are avoiding: the job itself is starting to fail as the core unit of work. From Meta's pullback on long-horizon roles, to Deloitte scrapping traditional job titles, to the growing skills mismatch in hiring, to lawsuits over opaque AI screening tools, and even to Citi's bottom-up AI experiments — these aren't disconnected headlines. They're signals of the same structural breakdown. AI didn't cause this. It exposed it. This episode is about why organizations keep redesigning org charts, titles, and technology — but refuse to redesign work itself. And why the companies that win next won't be the ones with the best AI tools, but the ones willing to let go of outdated assumptions about jobs, careers, and control. Grab a copy of my new book: https://8exlaws.com/  Request to join my CHRO group: https://futureofworkleaders.com/ 

One of the most obnoxious sounds in nature is the whine of a Wall Street banker. It's a cross between the tantrum of a peevish brat and the blathering of a sputtering old plutocrat.Consider the long, piteous whimper of Jamie Dimon, potentate of the powerful JPMorgan Chase banking empire. He constantly whines about laws to restrict banker greed, even toting around a Rube Goldberg-style cartoon depicting a tangle of rules that, he squeals, is choking poor Wall Streeters like him.Before you break into tears about Jamie's plight, though, notice that he and his bank are not choking on rules, but gorging on riches. Dimon himself pocketed – get this -- $770 million in personal pay last year.Golly, we should all suffer like poor Jamie!And he's hardly alone in singing the “Talking Banker Blues,” for that elite clique has long pouted that they're paupers compared to the billionaires of high tech. So, mounting an odd boardroom “labor action,” bankers have been getting drastic payhikes. The CEO of Citigroup, for example, recently set a new bottom line expectation for top-floor bankers: A 2025 paycheck of more than $100 million!How can a business lavish such a windfall on one guy? Easy. The CEO slashed tens of thousands of bank employees from Citi's payroll last year, so he got their pay.Woody Guthrie once wrote a parody of such predatory behavior, singing “I am a jolly banker, A jolly banker am I.” Today's Wall Street aristocrats are jolly, too, bloating their extravagant wealth by taking wages and livelihoods from thousands of their own employees. As Woody might sing, that's how inequality “happens.”Do something!Wanna fight the bankers and their rigged systems? Americans for Financial Reform thinks that “the financial system should serve an economy where everyone can thrive, not just enrich a powerful few.” Sounds great to us! Check them out at ourfinancialsecurity.org.Jim Hightower's Lowdown is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit jimhightower.substack.com/subscribe