Podcasts about Citibank

Crypto News: Michael Saylor lies saying Strategy never said it would sell its Bitcoin. Visa says it has moved $7B annually in stablecoins through its network. Stellar Development Foundation has unveiled a quantum preparedness plan to migrate all XLM accounts to quantum-resistant signatures by end of 2027. Ripple and Bitso expand their partnership, bringing Bitso's MXN-backed stablecoin MXNB to the XRP Ledger. Brought to you by

A new report from Citibank finds that racial disparities in income, wealth and business ownership continue to have far-reaching consequences for Black Americans and the broader economy. The analysis shows significant gaps in earnings and family wealth while estimating that closing those disparities could create millions of jobs and generate trillions of dollars in economic activity. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does it really take to lead meaningful change in today's fast-moving world? In this episode, strategic consultant, leadership expert, and author Angnieszka Wolińska-Skuza shares insights from her journey working with global organizations including Google, IBM, Citi Bank and more. From developing the MasConsulting Delivery Framework and Design Thinking methodology to combining creativity, mindset and innovation in business transformation, she brings a deeply human perspective to leadership and growth. We also explore the role of emotional intelligence, human potential, and why sustainable success begins with inner balance. A thoughtful conversation on strategy, innovation and creating impact that lasts. https://awolinskaskuza.com/Episode streaming now on Spotify, Apple Podcast, YouTube or wherever you listen to podcasts. [Angnieszka Wolińska-Skuza, Consultant, Leadership, Design Thinking, Innovation Strategy, Business, Strategic Thinking, Consulting Frameworks, Business Growth, Podcast, Melting Pot, Payal Nayar] #Leadership #DesignThinking #Innovation #Management #Podcast Hosted on Acast. See acast.com/privacy for more information.

Welcome to another Risky Women Radio Book Club Edition. In an era dominated by rapid AI disruption, intensifying social scrutiny, and relentless geopolitical shifts, compliance can no longer be treated as a mere back-office box-checking exercise. In this episode, host Kimberley Cole sits down with Natalie McManus-Barnett, co-author of How to Be a Chief Compliance Officer and founder of Innovate Compliance. Shifting the narrative away from dry, bureaucratic policy-pushing, Natalie brings a refreshing dose of "polite disruption" to the table. She shares her "Jungle Gym" journey from the Financial Conduct Authority to Citibank, introducing a masterclass on how to weave compliance directly into the DNA of corporate strategy, execution, and culture to turn risk management into a genuine competitive advantage.

O Fala Carlão apresenta, no Canal do Boi, mais um capítulo da Semana Agroambiental, direto da Citi ISO Datagro New York Sugar & Ethanol Conference, em Nova York, com Anna de Sá Didier, FX and Commodities Sales - Private Banking at Citibank. A conversa passa pela trajetória de Anna, suas raízes baianas, a experiência no Canadá e a visão de resiliência construída pela família. No centro do papo, está um ponto decisivo: o Brasil precisa comunicar melhor sua realidade ambiental e produtiva para o mundo. A entrevista também aborda histórias de superação no agro, como o cacau na Bahia e a virada do algodão, além de uma leitura sobre o momento econômico brasileiro e o papel técnico do Banco Central.

On today's episode of The CLS Experience we have a transformational conversation with the brilliant Marcus Weston, diving deep into Kabbalah, ego mastery, conscious leadership, and building true wealth consciousness. Marcus shares his powerful journey from Goldman Sachs and Citibank into becoming a global thought leader helping people reconnect to purpose, soul alignment, and fulfillment. Together, Craig and Marcus unpack why stress is often created by the gap between who we truly are and who we think we need to be, and how Kabbalah offers a lifelong path of awakening deeper desire, consciousness, and meaning. Marcus reframes ego not as something to destroy, but as an “energy intelligence” designed to strengthen us through challenges and resistance. They discuss comfort versus growth, why most people unknowingly make “bad trades” for temporary certainty, and how slowing down reactions creates freedom and power. The conversation also goes deep into money mastery, wealth blocks, receiving and sharing, and why wealth cannot shrink itself to meet your current identity - you must rise energetically to meet it. From purpose and wholeness to pain, leadership, sports psychology, and spiritual tools like Zohar practice and service, this episode is filled with wisdom for anyone looking to elevate their consciousness, leadership, and life.6:19 Awakening Big Desire14:20 Ego Defined by Kabbalah24:32 False Battles to Freedom41:02 Money Mastery Myths45:57 Hidden Wealth BlocksCheck out Marcus on Instagram HERE:Check out Marcus HERE:Check out this podcast live on YouTube:Early Bird Tickets now available for our October live event, CLS: Formation HERE:To join our community click here.➤ Order a copy of Craig's book The Reinvention Formula today! ➤ Join our CLS texting community for free daily inspiration and wisdom to elevate your life, text (917) 634-3796➤ INSTAGRAM➤ FACEBOOK➤ TIKTOK➤ YOUTUBE➤ WEBSITE➤ LINKEDIN➤ X

In this episode, Travis sits down with Raja Rajamannar, Chief Marketing and Communications Officer at Mastercard and one of the most influential marketing leaders in the world. Raja shares his incredible journey from studying chemical engineering in India to leading branding and marketing initiatives for some of the world's biggest companies, including Citibank and Mastercard. Along the way, he discusses cultural intelligence, financial lessons learned during the 2008 crisis, and the future of marketing through his groundbreaking concept of “Quantum Marketing.” On this episode we talk about: Raja's unconventional career path from chemical engineering to global marketing leadership Cultural lessons learned while living and working in India, Dubai, London, and New York How Mastercard transformed into one of the world's most recognizable brands The importance of diversification and smart investing after the 2008 financial crisis Raja's concept of “Quantum Marketing” and how AI, neuroscience, and behavioral economics are reshaping the future of business Top 3 Takeaways Marketing is deeply tied to culture. Understanding people's values, behaviors, and norms is essential if you want your messaging to resonate globally. Diversification matters. Depending entirely on one company for both your income and investments can create major financial risk. The future of marketing will belong to companies that embrace AI, behavioral science, data, and multi-sensory customer experiences. Notable Quotes “Hope is not strategy.” “Marketing always operates in culture.” “Don't put all your eggs in one basket.” Connect with Raja Rajamannar: LinkedIn: Raja Rajamannar  Instagram: @raja_rajamannar Other: Quantum Marketing Book Website Other: Mastercard Official Website A Word from Our Sponsors: https://invest.modemobile.com/travismakesmoney - Are you ready to start your own creatorjourney and make it big? Visitwww.fanvue.com today and launch yourcareer!- To learn more about Mode Mobile and its investor community, go to-Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan Rugg, Global Head of Digital Assets for Citibank's TTS business, joined us at the Solana Policy Institute's Summit to discuss Citibank's digital asset, tokenization and blockchain initiatives. We dive into the nuances of tokenized deposits and stablecoins and much more. Brought to you by

A toxic and false belief has been dominating business culture for decades: Money is the byproduct of value creation. It sounds like common sense, but it is one of the most damaging things a thinking person can believe. This episode takes the belief apart and shows the moral claim hiding inside the causal one. The cost of getting this wrong is steep: you spend thirty years hounded by a number you can never reach, unable to rest, unable to truly enjoy what you have built — and then arrive at sixty to discover the prize the belief promised was never there. You will hear about Gary Stevenson, the Citibank trader who got rich betting against ordinary people, and Harvard professor Michael Sandel on what price does to meaning. And one night in Singapore — the Dragon VIP table, thirty thousand dollar minimum, and the dread right behind the performance of pleasure. On the other side is rest from chasing the next number, space for fulfillment, contribution, and love… and the greater work that the market alone could never have pointed you toward, the work that runs on its own fuel and outperforms anything you ever produced to please the market. Listen now. Show Highlights Include: A popular claim made in podcasts, LinkedIn posts, and even respected business books that slyly design your belief system into feeling like you're not enough and will never be enough (2:03)  Irrefutable examples of why your worth is not tied to your market value so you can stop living with invisible chains attached to you (3:52)  How your belief that prices indicate worth will try to argue with me at (7:32) - watch what happens in you…  The insidious way a toxic belief hijacks your mind to prove its worth to you (this explains why it's so hard to change your beliefs even when you're faced with proof it is not true) (12:07)  Why some of the most successful people are the most unhappy and unsatisfied but won't even admit it to themselves (12:54)  2 ways the belief that "price = worth" tears apart your joy, fulfillment, and love bit by painful bit (15:16)  3 questions that can incapacitate the toxic belief that's been running you for your entire life (and why your toxic belief will fight back every step of the way) (21:07) How to step off of the "Treadmill of Worth" before you're on your deathbed and regret your entire existence (28:26)    For more about David Tian, go here: https://www.davidtianphd.com/about/  Feeling like success in one area of life has come at the expense of another? Maybe you've crushed it in your career, but your relationships feel strained. Or you've built the life you thought you wanted, yet there's still something important missing. I've put together a free 3-minute assessment to help you see what's really holding you back. Answer a few simple questions, and you'll get instant access to a personalized masterclass that speaks directly to where you are right now. It's fast. It's practical. And it could change the way you approach leadership, love, and fulfillment. Take the first step here → https://dtphd.com/quiz

Most banks still treat AI as a faster way to do the same work. Citibank believes the entire operating model of banking is about to change. Recorded live at the Financial Brand Forum, Driss Temsamani, Head of Digital at Citi and author of The Agentic Bank, explains why the next phase of AI is not about chatbots or isolated use cases. It is about rebuilding how banks deploy software, organize teams, serve customers, manage operations, and create decisions at scale. We discuss why software development costs are collapsing, why subject matter expertise becomes more valuable in an AI-driven organization, how agentic systems could reshape customer engagement, and why technologies like blockchain may become foundational to the future of financial services infrastructure. This conversation goes well beyond automation. It looks at what banking may become once intelligence is embedded into every part of the organization. Hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner and Publisher of the Digital Banking Report. #Banking #AI #AgenticAI #DigitalBanking #BankingTransformed #Citi #Fintech #CustomerExperience

It's 5:47 PM. You're trying to make dinner. Your four-year-old is melting down. You hand her the iPad, just for twenty minutes. She gets quiet. And then, because you're a person who loves your kid, you feel like a bad parent. Hey. It happens. I've been there too. And the man I sat down with for this conversation has been there too, except in his case, he's the one who invented the technology you just handed her. In this episode, I sit down with Rob LoCascio, the man who invented web chat in 1995 and built LivePerson into a public company powering customer conversations for Apple, American Express, and Citibank. After twenty-eight years inside the conversational AI industry, watching his own three kids try to grow up in the world he helped build, Rob had a reckoning. He started a new company building tech for kids that doesn't exploit them, and he sat down with me to explain, with receipts, what is actually happening behind the screen your kid won't put down. In This Episode The exact moment a tech founder realized he was losing his own kids to the screens he built, and why it changed everything for him Why senior YouTube executives quietly don't let their own kids use YouTube, and what they know that you don't The reframe that turns the daily iPad battle from a parenting failure into a systems problem What Jonathan Haidt's research found when Apple introduced the front-facing camera, and why youth depression rates spiked globally at the same moment Why your kid asks for the iPad when she's upset, and what is actually happening in her nervous system in that moment The 25-million-person creator economy your kid is being fed by, and why "just set limits" stopped working in 2020 What healthier tech for kids could actually look like, and what to ask before you hand any device to a four-year-old Why This Matters This episode is for anyone who has handed their kid a device just to get through dinner and then felt the wave of guilt that follows. For the parent who has yelled, then immediately regretted it, then negotiated, then given in. For the mom or dad whose kid melts down when the iPad gets put away, and who has started to wonder whether something deeper is going on. You are not crazy. You are not failing. You are up against an industry that is very, very good at what it does, and what it does is not in your kid's interest. This episode names what you have been feeling, and gives you new language for what is actually happening. Episode Breakdown 01:42 The Screen Time Fight Every Parent Knows 05:00 The Inventor of Web Chat Pulls Back the Curtain 09:00 Devices Are Homework, Not a Babysitter 12:00 What's Actually Inside the Videos Your Kids Are Watching 15:30 What Screens Do to a Developing Brain 19:11 "I Feel Like I've Lost": A Tech Founder's Confession 22:45 Why YouTube Executives Won't Let Their Kids Use YouTube 25:25 The 25-Million-Person Machine Behind Every Scroll 37:00 Why Early Exposure Hits a Developing Brain Harder 43:15 What Healthier Tech for Kids Could Actually Look Like Resources Read the full article and access every resource Rob mentions in this episode (including his work at KID Company) One-on-one parenting coaching and family therapy with our team Schedule a free consultation, no pressure, no commitment If you know another parent who has been crying in the bathroom over the iPad fight (and you probably have someone in mind right now), please share this episode with them. They will feel less alone, and that matters more than you know. XO, Dr. Lisa Marie Bobby Growing Self

(00:00) — Welcome and setup: from premed dropout to med student(00:47) — Corporate grind sparks the spreadsheets vs patients question(01:30) — Rewinding to undergrad premed and the 495 MCAT during COVID(03:15) — Finances and first-gen pressure push him off the path(04:35) — Articles, AI, and volunteering rekindle interest in medicine(06:10) — Leadership draw: why physician responsibility appealed to him(07:10) — Timeline: research job, 2018 grad, 2020 MCAT, business analytics at Fordham(09:05) — Undergrad habits, no planner, and managing ADHD with better tools(11:05) — Corporate wins build confidence (Big Four, Wall Street, AVP)(12:50) — Planning the leap: savings, living at home, loans, and side investments(14:10) — Bridge/SMP at Toro Harlem: structure and guaranteed-seat criteria(16:25) — Working at Citibank while starting the master's; then going all in(17:55) — Confirming fit: brief shadowing, almost passing out, but more intrigued(18:55) — Harlem community events as a student doctor and seeing disparities(19:52) — MCAT retake to 501–502; Kaplan and official full-lengths(21:27) — SMP mirrored M1 exams; Z-score cutoff and comprehensive exam(22:45) — M1 transition is easier after the SMP run-through(23:35) — Logistics: 3.45 GPA + comp exam = seat; could apply elsewhere(24:25) — Starting a tea franchise in Astoria with partners during M1(25:35) — Brick-and-mortar stress, construction, and opening mid-semester(26:50) — Hardest part: letting go of a six-figure salary(28:05) — Would he change his path? Choosing experience over speed(29:20) — Exploring passions helps future practice and options(30:52) — Keeping doors open: medicine, consulting, and business(31:28) — Parents' reaction: skepticism to tears of pride(32:34) — Final advice: build confidence and believe in yourselfZarak shares how he walked away from premed after a 495 MCAT and an average undergrad GPA, chased a thriving corporate career, and then found his way back to medicine. A first-gen student, he talks openly about family expectations, finances, and why spreadsheets and commutes couldn't replace patient impact. He explains the planning that made his return possible: saving while living at home, using loans wisely, and enrolling in a one-year bridge/SMP at Toro Harlem that mirrored M1 exams and offered a guaranteed seat with a 3.45 GPA plus a comprehensive exam. He retook the MCAT to around 501–502 using Kaplan and official full-lengths, and found confidence through improved study systems and corporate-built habits. Now an M1, he's volunteering in Harlem, reflecting on health disparities, and even launching a brick-and-mortar tea franchise in Astoria with partners—while keeping med school first. Dr. Gray and Zarak dig into letting go of a six-figure salary, rebuilding confidence, managing ADHD with better tools, and why exploring interests outside of medicine can strengthen your future as a physician.What You'll Learn:- How a low MCAT and average GPA didn't end his med school goals- What a guaranteed-seat bridge/SMP at Toro Harlem required- How he planned the leap: savings, loans, and timing while working- MCAT retake resources he used the second time around- Balancing M1 demands with launching a brick-and-mortar business

We're joined by Bhavesh Ratanpal. product leader, author, and long‑time practitioner of yoga philosophy, for a unique conversation about his book Product Ashtangi and how ancient Vedic wisdom can change the way we build products and lead teams.Bhavesh shares his journey from growing up in a family of priests in India, to a career in software development and product management at places like TD Bank, Citibank, and TELUS, and now to founding human‑centric AI startups in Canada. Along the way, he kept returning to one insight: a calm, clear mind makes better product decisions. Product Ashtangi is his attempt to codify that, combining the eight limbs of Ashtanga yoga with modern product practice.Join Matt and Moshe as they explore with Bhavesh:What “Product Ashtangi” means and why the first product you work on is yourselfHow the eight limbs of yoga (starting with Yama - truthfulness, ethics, ego‑awareness) translate into everyday product decisionsThe difference between building from ego and cosmetics vs. focusing on real user pain and social welfareHow to shift between observer and experiencer modes so you can see problems clearly instead of reacting emotionallyStories of applying these principles in practice, from enterprise migrations and platform decisions to Bhavesh's current AI products (pet adoption and strata governance)Treating your life like a product: personal sprints, self‑retros every two weeks, and continuously “shipping” a better version of yourselfHow karma yoga and product management align when you see products as vehicles for societal good, not just business metricsThe structure of the book:Part 1 – theory connecting yoga sutras, Bhagavad Gita, and product thinkingPart 2 – practical ways to adopt the eight limbs in your product workWhere to start if you're curious: books, practices, and small mindset shifts you can apply this weekAnd much more!Want to learn more or get the book?Website: http://bhaveshratanpal.caLinkedIn: https://www.linkedin.com/in/bhaveshratanpalYou can also connect with us and find more episodes:Product for Product Podcast: http://linkedin.com/company/product-for-product-podcastMatt Green: https://www.linkedin.com/in/mattgreenproduct/Moshe Mikanovsky: http://www.linkedin.com/in/mikanovskyNote: Any views mentioned in the podcast are the sole views of our hosts and guests, and do not represent the products mentioned in any way.Please leave us a review and feedback ⭐️⭐️⭐️⭐️⭐️

Episode 236 - April 30th 2026 - Checking out the Facts - Violations Counter - DJ Intence - 0 x Walt - 40 x Ceddy - 46 - Ish on The Joe Budden Podcast calling out people for Background Checking On New Neighbors - Artist D4vd Arrested & Charged for Murder of Celeste Rivas Hernandez - LiveNation Illegaly Monopolized Ticketing Market, Jury Rules in Anti-Trust Trial (Ticketmaster Story) - The World Cup - New York City female teenager STOMPED after rejects a classmates advances - White House correspondents' Dinner shooter - Donald Trump Interview review - 2 Influencers Jailed for Scamming (Jonathan Dupiton “Rich & Umployed Podcast” & Stormy Wellington “Coach Stormy”) - Wise Guy's Segment - Stop putting your BUSINESS on Social Media. Megan Thee Stallion Klay Thompson Drama - Wise Guy's Segment - Jada Pinkett Smith & Will Smith Drama keeps GOING!!!! - Wise Guy's Segment - People finding happiness- Cheaper going to DISNEY in foreign countries than in American

In this episode of People Not Titles, host Steve Kaempf speaks with Mark Ratfelders, a former corporate sales leader at American Express and Citibank, turned coach, consultant, and yoga and meditation leader. Mark shares his 30-year corporate journey, the keys to success including vision, alignment, and persistence, and the importance of balancing career ambitions with personal values. He discusses his transition from corporate life to heart-centered coaching, how yoga and meditation transformed his approach, and his Mindful Wellness workshop, which helps individuals and teams improve performance and well-being through mindfulness and energy awareness.Introduction & Guest Overview (0:00)Mark's Corporate Career Journey (1:14)Keys to Corporate Success (4:36)Personal Motivation & The Three Rs (5:05)Alignment and Making Bold Choices (6:43)Balancing Career and Family (8:05)Decision-Making at Career Crossroads (10:18)The Cost of Work-Life Imbalance (11:58)Finding Middle Ground & The Power of Pause (13:17)Corporate Culture & Value Alignment (14:57)Redefining Success Beyond the Grind (15:52)Challenging Limiting Narratives (16:41)Work-Life Balance & Presence (17:01)Happiness and Holistic Success (18:54)Holistic Practices: Running, Yoga, Meditation (20:02)Transition Out of Corporate America (21:07)Identity Shift After Corporate Life (28:14)Beginning Coaching & The Role of Yoga/Meditation (31:24)Coaching vs. Corporate Leadership (33:06)Foundations of Sales Success (33:48)Energy, Awareness, and Performance (36:54)Energy Assessment & Seven Levels (40:28)Role of Coaching in Change (42:22)Heart-Centered Service in Sales (46:01)Loving Kindness & Relationship Energy (47:26)Group Work & Mindful Wellness Workshops (49:03)Mindfulness vs. Multitasking (50:26)Seven Levels of Energy & Human Experience (51:48)Conclusion & Contact Information (52:34)Podcast Outro & Sponsor Message (53:16)About the Podcast:People, Not Titles is dedicated to elevating professionals in real estate and business by focusing on real-world strategies, honest conversations, and the principles that drive long-term success.Full episodes available at:[www.peoplenottitles.com](http://www.peoplenottitles.com)Connect with us:Instagram: https://www.instagram.com/peoplenottitlesFacebook: https://www.facebook.com/peoplenottitlesTwitter: https://twitter.com/sjkaempfSpotify: https://open.spotify.com/show/1uu5kTvSubscribe for weekly insights on real estate trends, investing strategies, and business growth.Because in the end, it's always about people not titles.#ChicagoRealEstate#HousingMarket#RealEstatePodcast#Investing#MortgageRates

This evening, we round-up the latest market developments beyond the closing bell with Prime XBT; outline a R1.6bn financing deal aimed at easing currency risks for local businesses with Citi Bank; explores whether Gauteng remains an attractive investment destination with Standard Bank CIB; unpack the solid momentum in its latest results with PSG Financial Services; look at how crypto licensing and regulation is being strengthened with the Financial Services Conduct Authority; and in our SMME feature, we fold into the intersection of sports heritage and fashion with Kasi Flavour. SAfm Market Update - Podcasts and live stream

Guest Co-Host Henry Harteveldt. Guest: Vicki Jaramillo, EVP/Chief Commercial Officer, Orlando International Airport. Topics: Q1 loss at Delta; Fuel cost impact; Citibank files objection to Spirit proceeding; Pricing pressures & baggage fees; Listener feedback on safety issues previously discussed, plus a quick shout-out from George & Caroline.

In this engaging conversation, Guy Pinsent shares his entrepreneurial journey from Cambridge economics student, being a banker in the City, to the Foreign Office and on to real estate and finally, on his own account, as a successful self storage business owner in Central Europe. Guy discusses the founding and growth of Less Mess Storage, which now operates 18 locations across Poland and Czech Republic with backing from Metric Capital Partners since 2015, and with 100,000 sqm of rentable space and 40,000 more in the pipeline. Key Topics Covered: The Self Storage Business Model: Guy explains his freehold property approach, inspired by companies like Big Yellow and the McDonald's model featured in "The Founder" film. Also attractive features of the self storage business: long lifetime value of clients, custom inertia, counter-cyclical demand so the business performs well across the business cycle.Cambridge University Value of a first-class education. The Why question: How Guy never worried about social status, and simply doing what it takes to build a life, do something of value. Entrepreneurial Philosophy: Discussion of motivation and work ethic, referencing Arnold Schwarzenegger's YouTube talks and Gary Vaynerchuk's "I will outwork you" mentality. Economic Principles: Insights on loss aversion from Daniel Kahneman's research and lessons from Cambridge professor Michael Kuczynski. Life as a British Expat: Guy shares his experience living abroad and his documentary project "Should Brits Come Home?" made with Patrick Ney, exploring whether British expats should return to the UK. Documentary Filmmaking: Behind-the-scenes stories from filming at the Notting Hill Carnival, agricultural shows, and conducting street interviews. Political Commentary: Reflections on Britain's direction, post-nationalism, and concerns about current UK leadership. About Guy Pinsent Guy is a British real estate entrepreneur and the Founder & CEO of Less Mess Storage, a leading self‑storage company operating across Central Europe. Born in London and raised in the English countryside, he studied at Eton College and Cambridge University before starting his career in investment banking at Citibank. He later served at the British Embassy in Poland to strengthen UK–Poland business relations, then moved into commercial real estate with Colliers, and in 2014 founded Less Mess Storage, which he has since built into a benchmark player in the Central European self storage sector. Guy's Linkedin Links Arnold Schwarzenegger - Guy referenced a 4-minute motivational talk on YouTube about entrepreneurship principles YouTube: Arnold Schwarzenegger 6 Rules of Success Gary Vaynerchuk - Richard mentioned him as an American entrepreneur from Belarus known for saying "I will outwork you" as part of his pathway to success example here Daniel Kahneman - Guy referenced his work on loss aversion (people feel $100 loss twice as painfully as the good feeling of a $100 gain) Wikipedia: Loss Aversion Michael Kuczynski - Economics professor at Pembroke College, Cambridge who taught both Richard and Guy; passed away in 2025 at age 84 Pembroke College: Michael Kuczynski (1941–2025) Pedro Pablo Kuczynski - Michael's brother, became President of Peru Wikipedia: Pedro Pablo Kuczynski Less Mess Storage - Guy's self-storage company operating in Poland and Czech Republic with 18 locations lessmess.storage Pembroke College, Cambridge - Where both Richard and Guy studied economics pem.cam.ac.uk Big Yellow - UK self-storage company mentioned as reference for freehold approach bigyellow.co.uk "The Founder" - Film about Ray Kroc and McDonald's history, illustrating property-based business model Wikipedia: The Founder (film) Richard's TED-ED lesson based on The Founder link "Should Brits Come Home?" - Documentary Guy made with Patrick Ney about whether British expats should return to the UK especially from a Polish perspective. Here Patrick Ney was a guest on this NBN channel here, And gave one of the most popular TEDxKazimierz talks of all time with over 375,000 downloads here Center for Policy Studies - UK centre-right think tank Guy mentioned link Extra Space - Major US self-storage operator link Metric Capital Partners - Private equity investor in Less Mess since 2015 link1 Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

In this engaging conversation, Guy Pinsent shares his entrepreneurial journey from Cambridge economics student, being a banker in the City, to the Foreign Office and on to real estate and finally, on his own account, as a successful self storage business owner in Central Europe. Guy discusses the founding and growth of Less Mess Storage, which now operates 18 locations across Poland and Czech Republic with backing from Metric Capital Partners since 2015, and with 100,000 sqm of rentable space and 40,000 more in the pipeline. Key Topics Covered: The Self Storage Business Model: Guy explains his freehold property approach, inspired by companies like Big Yellow and the McDonald's model featured in "The Founder" film. Also attractive features of the self storage business: long lifetime value of clients, custom inertia, counter-cyclical demand so the business performs well across the business cycle.Cambridge University Value of a first-class education. The Why question: How Guy never worried about social status, and simply doing what it takes to build a life, do something of value. Entrepreneurial Philosophy: Discussion of motivation and work ethic, referencing Arnold Schwarzenegger's YouTube talks and Gary Vaynerchuk's "I will outwork you" mentality. Economic Principles: Insights on loss aversion from Daniel Kahneman's research and lessons from Cambridge professor Michael Kuczynski. Life as a British Expat: Guy shares his experience living abroad and his documentary project "Should Brits Come Home?" made with Patrick Ney, exploring whether British expats should return to the UK. Documentary Filmmaking: Behind-the-scenes stories from filming at the Notting Hill Carnival, agricultural shows, and conducting street interviews. Political Commentary: Reflections on Britain's direction, post-nationalism, and concerns about current UK leadership. About Guy Pinsent Guy is a British real estate entrepreneur and the Founder & CEO of Less Mess Storage, a leading self‑storage company operating across Central Europe. Born in London and raised in the English countryside, he studied at Eton College and Cambridge University before starting his career in investment banking at Citibank. He later served at the British Embassy in Poland to strengthen UK–Poland business relations, then moved into commercial real estate with Colliers, and in 2014 founded Less Mess Storage, which he has since built into a benchmark player in the Central European self storage sector. Guy's Linkedin Links Arnold Schwarzenegger - Guy referenced a 4-minute motivational talk on YouTube about entrepreneurship principles YouTube: Arnold Schwarzenegger 6 Rules of Success Gary Vaynerchuk - Richard mentioned him as an American entrepreneur from Belarus known for saying "I will outwork you" as part of his pathway to success example here Daniel Kahneman - Guy referenced his work on loss aversion (people feel $100 loss twice as painfully as the good feeling of a $100 gain) Wikipedia: Loss Aversion Michael Kuczynski - Economics professor at Pembroke College, Cambridge who taught both Richard and Guy; passed away in 2025 at age 84 Pembroke College: Michael Kuczynski (1941–2025) Pedro Pablo Kuczynski - Michael's brother, became President of Peru Wikipedia: Pedro Pablo Kuczynski Less Mess Storage - Guy's self-storage company operating in Poland and Czech Republic with 18 locations lessmess.storage Pembroke College, Cambridge - Where both Richard and Guy studied economics pem.cam.ac.uk Big Yellow - UK self-storage company mentioned as reference for freehold approach bigyellow.co.uk "The Founder" - Film about Ray Kroc and McDonald's history, illustrating property-based business model Wikipedia: The Founder (film) Richard's TED-ED lesson based on The Founder link "Should Brits Come Home?" - Documentary Guy made with Patrick Ney about whether British expats should return to the UK especially from a Polish perspective. Here Patrick Ney was a guest on this NBN channel here, And gave one of the most popular TEDxKazimierz talks of all time with over 375,000 downloads here Center for Policy Studies - UK centre-right think tank Guy mentioned link Extra Space - Major US self-storage operator link Metric Capital Partners - Private equity investor in Less Mess since 2015 link1 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Time for a Reset: Insights from Global Brand Marketers, brought to you by Overline, host Fiona Davis speaks with Raja Rajamannar, Senior Fellow and former CMO of Mastercard and one of the most influential voices in modern marketing, about the urgent need to reset the marketing function.Raja argues that marketing has not just lost influence, it has lost credibility. He traces this back to a fundamental disconnect between marketing and business outcomes, where marketers failed to understand financial drivers, revenue models, and the language of the C-suite. As a result, CEOs have lost trust, new roles like Chief Growth Officer have emerged, and marketing has been pushed out of strategic decision-making.Drawing on his experience leading Mastercard's transformation into one of the world's fastest-growing brands, Raja introduces the idea of “Quantum Marketing”, a reimagining of the entire marketing value chain, from insights to customer engagement. He shares how shifting from traditional advertising to immersive, multisensory experiences helped reposition marketing as a growth engine rather than a cost centre.From redefining the capabilities of modern marketers to rethinking how marketing is taught in business schools, this episode offers a candid and forward-looking perspective for leaders navigating a rapidly changing landscape.Raja Rajamannar spent over a decade at Mastercard, transforming the brand into one of the fastest-growing and most valuable in the world. He is currently a Senior Fellow and former CMO at Mastercard and an Executive Fellow at both Harvard Business School and Yale School of Management, where he is focused on reimagining the future of marketing. With a career spanning leadership roles across companies like Unilever, Citibank, and Mastercard, Raja is widely recognised for pioneering the concept of “Quantum Marketing” and for bringing a deeply commercial, data-driven, and innovation-led approach to modern marketing.Topics Covered:Why marketing has lost credibility and influence in the C-suiteThe disconnect between marketing activity and business outcomesThe rise of performance marketing and its limitationsWhy marketers must become general managers, not specialistsThe concept of “Quantum Marketing” and resetting the value chainHow Mastercard transformed marketing into a growth driverThe shift from advertising to experiential and multisensory marketingWhy AI and technology level the playing field for companiesCreativity and human connection as the next competitive advantageThe future role of marketing as a cross-functional, strategic driverThe evolving skillset required for modern marketing leadersEpisode Chapters:00:00 Intro and meet Raja Rajamannar02:08 Resetting the Entire Marketing Function06:13 Why Marketing Has Lost Its Influence10:41 Capabilities of a Strategic Marketer17:59 AI, Technology, and the Future of Differentiation20:28 Transforming Marketing at Mastercard27:09 A Defining Career Moment in Sales31:16 The Future of Marketing as a Function33:40 Skills for the Marketer of Tomorrow36:07 Staying Relevant in a Changing IndustryIf you enjoyed this episode, be sure to subscribe, rate, and review on Support the show

Become a paid subscriber to our newsletter/podcast, The Climate Weekly, to help support this show! It's fun. All the cool kids are doing it! ------------- It's the 10th anniversary of the Paris Agreement. In this new series from The Climate Pod, we're looking back on the global pact to determine: how have things changed since 2015 and what has the Paris Agreement accomplished? Our first three episodes were on extreme heat, adaptation, and the state of climate action.  This week, we look at the transformative change in clean energy and electrification technology over the last decade, Our guest today, Kingsmill Bond (along with the team at Ember Energy) are championing this change as the  "Electrotech Revolution." As they note, "humanity is graduating from burning fossil commodities to mastering manufactured technologies—from hunting scarce fossils to farming the inexhaustible sun, from consuming Earth's resources to merely borrowing them. This isn't a marginal climate substitution. It's an energy revolution.  Kingsmill Bond, CFA is an energy strategist for Ember. He has worked as a financial market analyst and strategist for over 30 years, including for Deutsche Bank and Citibank. Bond and I talk about the decade's technological advances, geopolitical implications of the changing energy system, and the future opportunities he sees. We also talk about the role of China and emerging markets in global energy transition and the economic implications of real energy independence around the globe. Check out Ember Energy's full report here.  Please consider becoming a paid subscriber to our newsletter/podcast, The Climate Weekly, to help support this show. Your contributions will make the continuation of this show possible.  Our music is "Gotta Get Up" by The Passion Hifi, check out his music at thepassionhifi.com. Rate, review and subscribe to this podcast on iTunes, Spotify, and more! Subscribe to our YouTube channel.

In this episode of The Voiceover Gurus Podcast, Linda chats with Susan Berkley about her journey from radio and the Howard Stern show to becoming the voice of major brands like AT&T and Citibank, and building a production and coaching business. They explore how the industry changed from in-person auditions and ISDN to online studios, IVR work, pay-to-play platforms, and direct marketing—plus practical advice on finding authenticity, marketing yourself, and adapting across decades. Susan shares lessons on entrepreneurship, coaching, and longevity in voiceover, with tips for newcomers and seasoned pros alike. In this episode, we explore: How radio early beginnings shaped a resilient voice actor The transformative impact of the internet on the voice business Real stories of rejection, reinvention, and the power of marketing Practical tips on staying authentic and flexible in a changing industry The importance of community, mentorship, and giving back Secrets behind landing major clients like AT&T, Citibank, and lifetime success stories Resources for new voice artists: from pay-to-play to direct outreach Resources & Links Voiceover.GURU Voiceover Gurus Community — Connect and grow Connect with Susan Berkley: LinkedIn Twitter

Lauren Douglass, founder of Reverve, joins AdTechGod to unpack what modern B2B marketing actually needs to look like now. From her journey through Citibank, Teads, and Channel Factory to building a consultancy that stitches PR, social, and content into one strategy, Lauren shares why authenticity and point of view beat polished jargon every time. They dive into the real grind of content creation, how personal brands will drive B2B growth into 2026, and where AI helps without replacing the human connection that makes marketing work. Takeaways Lauren Douglass has a rich marketing background, having worked with major companies like Citibank and Channel Factory. Reverve was founded to simplify and enhance B2B marketing strategies, focusing on integration across channels. Content creation is more challenging than many realize, requiring organization and planning. The future of marketing will heavily rely on personal branding and authentic storytelling. Brands that embrace personality and authenticity will stand out in the competitive landscape. AI will play a significant role in content creation, but human connection remains vital. Consistency in content creation is key, even when results are not immediately visible. Embarrassment and vulnerability are part of the journey in building a personal brand. Companies should encourage their employees to share their unique stories and perspectives. The marketing landscape is shifting towards more human-centric approaches, moving away from corporate jargon. Chapters 00:00 Introduction to Lauren Douglass and Her Journey 02:58 The Evolution of Marketing in B2B 05:38 Content Creation Challenges and Predictions for 2026 08:22 Finding Balance in Content Quality and Frequency 11:17 The Importance of Personal Branding 13:57 Navigating the Future of Advertising 16:46 Embracing Authenticity in Marketing 19:39 The Core of Effective Marketing 22:27 AI's Impact on Content Creation 24:03 The Passion Behind Marketing Learn more about your ad choices. Visit megaphone.fm/adchoices

Mitch Axelrod's BIO:  A 47 year entrepreneur, speaker, trainer, advisor and 5 time #1 Wall St. Journal, Barnes & Noble and Amazon best-selling author of The NEW Game of Business™, The NEW Game of Selling™ and the forthcoming book, The NEW Game of Service™. Mitch has delivered 4,000 seminars, workshops, keynotes, executive briefings, webinars and coaching clinics to a million people on business, entrepreneurship, sales, leadership, values, life skills and intellectual property. His clients include IBM, AT&T, Citibank, Prudential, MetLife and thousands of small, medium and home based businesses, professionals and solo practitioners. They have generated $4 billion of revenue. Mitch shared the stage with Jack Canfield, Les Brown, Denis Waitley, Brian Tracy, Mark Victor Hansen, Jay Abraham, Barbara Corcoran, Michael Gerber and Dan Kennedy. Featured on media including WABC, Best-Seller TV and Sales Talk Radio, Mitch has taught at NYU, USC, Notre Dame and is faculty at Harvard's Executive Leadership Conference. In 2020 Mitch suffered a stroke and brain aneurism that left him paralyzed on his right side. He had to learn to walk and talk again. His inspirational story of resilience, rebound and recovery has been written about in books and featured on TV shows.   In this episode, Virginia and Mitch talked about How Mitch got into selling The new game of business Big shift in how successful people sell How to turn service into a profit center Marrying sales & service as a holistic system Rejection-proof networking   Takeaways: Be the trusted voice of choice Sell them the BEST solution for THEM Your job is to find the hungry fish Your qualified buyer is either ready or getting ready The most important question: Why did you buy from us?   Connect with Mitch Axelrod on his social media accounts to learn more about his work and insights into networking effectively: LinkedIn URL https://linkedin.com/in/mitchaxelrod Facebook URL https://www.facebook.com/mitchaxelrod Instagram URL https://www.instagram.com/mitchellaxelrod   Connect with Virginia: https://www.bbrpodcast.com/

"Japan is different and hard." "It's consistency, it's sustainability of the vision and the theme that's going to matter." "You couldn't be the super-God sits up in the ivory tower." "Leadership is about inspiring people to go somewhere that they wouldn't necessarily go on their own." "Respect the history and the culture that is Japan." Brief Bio Bob Noddin is the CEO of AIG Japan and a long-time Asia business leader whose career reflects deep adaptability across cultures, industries, and operating environments. His connection with Japan began in 1982 as a college exchange student at Kansai Gaidai in Osaka, where early exposure to Japanese psychology, history, language, and society gave him an unusually strong foundation for later leadership in the country. After returning to the United States, he joined Citibank with ambitions for an international career, but when a planned transfer to Japan fell through, he moved to AIG instead — a decision that shaped the next three and a half decades of his professional life. His AIG career took him across Asia on a series of increasingly complex assignments. What began as a short-term posting evolved into leadership roles in the Philippines, Thailand, Hong Kong, Korea, and Japan, giving him broad exposure to different operating cultures while sharpening his ability to lead through ambiguity, restructuring, and growth. He later returned to the United States as Global Head of Operations and Technology for AIG's property casualty business, overseeing a vast international footprint before asking to return to Asia during the financial crisis. Back in Japan, he took on major leadership responsibilities during a period of merger integration, organisational reform, and national crisis, eventually leading one of the company's most important markets worldwide. Across that journey, he developed a leadership philosophy grounded in visibility, trust, resilience, and the need to adapt global expectations to Japan's distinctive business culture. Bob Noddin's leadership story in Japan is not one of a parachuted-in foreign executive trying to impose a template from head office. It is the story of a leader who spent decades earning the right to run one of the most complex roles in AIG's global portfolio, while learning that Japan rewards patience, consistency, and human connection far more than slogans or imported management theory. His perspective is shaped by a rare combination of early academic immersion in Japan, long operational experience across Asia, and direct accountability for large-scale businesses in crisis, integration, and transformation. What stands out most in his account is the distinction he draws between knowing that Japan is different and actually leading effectively inside that difference. He describes a country and corporate environment shaped by structure, seniority, collaboration, and extremely high standards of quality. Those strengths helped build modern Japan, but they can also create friction when an organisation needs speed, innovation, or bold change. In that context, the challenge is not simply strategic clarity. It is how to move a system conditioned by nenko-style seniority, uncertainty avoidance, and deeply embedded consensus habits without triggering organisational antibodies. Noddin identifies the real obstacle not as frontline employees, but as what he calls the "thermal layer" of middle management. This layer absorbs direction from above, filters it, softens it, delays it, and often protects the existing culture from disruption. In Japan, where seniority and harmony remain powerful forces, this buffering function can become a major drag on change. His response was not dramatic confrontation, but patient cultural triage: identify the people already leaning towards a more proactive leadership style, invest in those who could develop into that style, and separate them from those who were simply dead wood or actively cancerous to progress. His approach to change is strikingly practical. He introduced role-play into management development, studied how Japanese executives in other industries handled transformation, and used visible examples to normalise reflection, experimentation, and ownership. He also changed recruitment, insisting that professional-track hires speak at least one additional language, not because English alone mattered, but because exposure to another language and culture expands thinking. That decision reflects a core belief running through the interview: that leadership in Japan requires widening mental models, not merely importing foreign practices. Technology and innovation appear in his thinking not as abstractions but as tools that must be paired with psychological safety. People will not propose better systems, digital improvements, or new customer models unless they believe failure will not destroy them. In a culture where a mistake can carry a disproportionate social cost, he made a point of publicly taking responsibility when experiments did not work and praising courage even when outcomes fell short. That is a subtle but powerful form of decision intelligence: separating the quality of a decision from the certainty of an outcome. Perhaps the strongest theme in Noddin's interview is that trust in Japan is built through presence. He argues that leaders cannot sit in an ivory tower. They need to be visible, approachable, and unmistakably human. That means town halls, travel, direct emails, birthday cakes, karaoke, drinks with staff, and honest conversations with agents and employees alike. In Japan, where formal roles can conceal strong emotion, trust is not built through authority alone. It is built when people feel the leader can be touched, tested, and believed. For Noddin, the ultimate lesson is clear: respect Japan's history, stay resilient when the ivy-covered brick wall appears, and focus relentlessly on shared objectives rather than issuing instructions that produce compliance without ownership. Q&A Summary What makes leadership in Japan unique? Bob Noddin sees leadership in Japan as uniquely shaped by history, structure, and social expectations. He points to a business environment that values seniority, teamwork, incremental improvement, and order. These are not superficial preferences but expressions of deeper cultural patterns that emerged from national rebuilding and collective effort. Concepts such as nemawashi, consensus, and uncertainty avoidance remain highly relevant because organisations often prefer broad alignment and risk containment over speed or individual heroics. What makes Japan distinctive is that these qualities can be both strengths and constraints. They support quality, discipline, and reliability, but they also create resistance when a leader is trying to drive innovation or break with tradition. The foreign executive who mistakes Japan's politeness for easy agreement is likely to fail. Leadership here requires reading the context beneath the formal surface and understanding that the visible meeting is often only one part of the real decision process. Why do global executives struggle? Global executives often struggle because they underestimate how much translation is required between headquarters expectations and Japanese reality. Noddin says head office may intellectually understand that Japan is different, but repeated explanations eventually sound like excuses unless the local leader can convert that difference into results. Executives sent to Japan for short rotations can also become trapped by a buffering layer of local management that protects the system from meaningful change. He argues that many foreign leaders fail because they arrive with urgency but without enough seasoning, continuity, or local credibility. Japan is not a market that can be reset in three years through force of personality. It requires sustained presence, consistency of message, and a willingness to stay long enough for people to believe the leader is not simply passing through. Without that, local teams wait out the foreign boss and preserve the old logic underneath. Is Japan truly risk-averse? Noddin believes Japan is not simply risk-averse in a crude sense. It is better understood as highly sensitive to the consequences of failure. In a system where there is perceived to be one right way to proceed, shaped by education, hierarchy, and social accountability, the downside of getting something wrong is far greater than the upside of trying something new. That makes people cautious, especially if they fear isolation or reputational damage for standing out. His answer is not to lecture people about risk-taking, but to separate risk from recklessness. In practical terms, that means showing people that thoughtful experimentation will be supported, that leaders will absorb the blame when outcomes fall short, and that lessons learned matter. In this sense, better leadership creates better risk literacy. It helps employees distinguish manageable uncertainty from unacceptable exposure. What leadership style actually works? The style that works, in his view, is visible, human, and resilient. He rejects the distant, untouchable executive model. Leaders in Japan need to be accessible, to travel, to engage directly, and to demonstrate humility. Trust grows when employees see the leader as a real person rather than a remote authority figure. That human connection becomes especially important in a culture where emotions are often controlled in formal settings but remain powerful underneath. At the same time, effective leadership is not about giving detailed instructions. Noddin draws a clear line between management and leadership. Management allocates tasks; leadership inspires people to go somewhere they would not necessarily choose on their own. The most effective leader in Japan aligns people around an objective, tests understanding from multiple stakeholder viewpoints, and then gives teams ownership over how to deliver. How can technology help? Technology helps when it supports better ways of working rather than simply automating existing silos. Noddin's examples show that innovation in Japan needs a protected environment. His venture-style internal project, which pulled people out of the normal structure and allowed different work patterns, dress codes, and idea development cycles, created space for creativity that the regular organisation would have smothered. In a modern sense, this is close to building a digital twin of the operating culture: a parallel environment where new behaviours can be tested before wider deployment. Technology also becomes powerful when combined with decision intelligence. Data, systems, and new processes are useful only if people feel safe enough to question assumptions, propose improvements, and learn from imperfect launches. Without that cultural layer, digital transformation becomes cosmetic. Does language proficiency matter? Yes, but not in the narrow sense of passing language tests. Noddin values language because it signals cultural exposure and cognitive flexibility. His recruiting shift towards candidates fluent in another language was really a shift towards people who had lived beyond a single worldview. In a global company operating in Japan, that broader perspective is essential. He also suggests that language matters because it reveals how people have been trained to think. His example of learning kanji stroke order captures a larger point: if people are educated that there is one correct sequence and one correct form, then innovation at work becomes psychologically difficult. Language learning, cultural immersion, and broader experience help leaders appreciate that mental model and work with it more intelligently. What's the ultimate leadership lesson? The ultimate lesson is to respect Japan deeply while refusing to be defeated by its inertia. Noddin advises new leaders to honour the country's history, social cohesion, and achievements rather than dismissing them. At the same time, they must stay resilient, because they will encounter hidden resistance, delays, and beautiful ivy covering solid brick walls. His final message is that leadership in Japan succeeds when it combines respect with resolve. Leaders need to focus on the objective, not just the task list; build trust through presence; and create systems where people own outcomes rather than merely comply with instructions. That is how change becomes durable rather than cosmetic. Author Credentials Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results. He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have also been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動かす」リーダー). In addition to his books, Greg publishes daily blogs on LinkedIn, Facebook, and Twitter, offering practical insights on leadership, communication, and Japanese business culture. He is also the host of six weekly podcasts, including The Leadership Japan Series, The Sales Japan Series, The Presentations Japan Series, Japan Business Mastery, and Japan's Top Business Interviews. On YouTube, he produces three weekly shows — The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews — which have become leading resources for executives seeking strategies for success in Japan.

In this Legend Series episode of The Practice Podcast, Brett Amron and Jeff Bast sit down with John Kozyak, co-founder of Kozyak Tropin & Throckmorton. Known nationally as a bet-the-company litigator and restructuring lawyer, Kozyak reflects on a career shaped by risk, mentorship, and an unwavering willingness to create opportunity where none existed.From knocking on office doors in downtown Miami in the 1970s to building one of the most respected litigation and bankruptcy firms in the country, Kozyak's story is a masterclass in persistence, leadership, and purpose. Key Takeaways from the ConversationStarting with Nothing but InitiativeKozyak's entry into the legal profession was anything but traditional. As a law student, he flew to Miami with a stack of resumes and literally knocked on law firm doors looking for work. That initiative landed him a summer position that ultimately shaped his entire career. His approach was simple but powerful:Show up.Ask directly for opportunities.Make it difficult for people to say no.That willingness to act created momentum long before formal recruiting processes existed.The Leap to EntrepreneurshipIn 1982, Kozyak and two partners took the risk of starting their own firm during a period of economic uncertainty and high interest rates.At the time:He had a young family.Mortgage rates were above 14%.The new firm had only three lawyers and limited resources.Despite the risks, the firm quickly gained traction through strong litigation work and strategic bankruptcy matters. One early case from Citibank helped establish the firm's reputation in restructuring and insolvency work. Seizing Opportunity in Bankruptcy LawKozyak positioned himself early in bankruptcy and restructuring law by attending a specialized program shortly after the Bankruptcy Code was enacted in 1979.That decision gave him:Early exposure to a developing practice areaAccess to national legal networksA chance to build credibility among leading practitionersIt was a calculated move that helped define his career trajectory.Mentorship as a Professional ResponsibilityBeyond litigation success, Kozyak's legacy includes a deep commitment to mentorship and diversity in the legal profession.He co-founded the Kozyak Minority Mentoring Foundation, which has connected thousands of minority students with judges and lawyers across South Florida. The goal was simple: Create access to relationships and opportunities that many aspiring lawyers would not otherwise have.Many alumni of the program have gone on to become judges, partners, and leaders in the profession.Leadership Lessons from Decades in PracticeThroughout the conversation, several consistent leadership themes emerge:Create your own opportunities. Kozyak built his career by actively pursuing relationships and openings others overlooked.Mentorship multiplies impact. Helping others succeed ultimately strengthens the entire profession.Take calculated risks. Launching a firm during uncertain economic times required confidence and long-term vision.Show up with purpose. Networking only works when you approach it with intention.Advice for the Next Generation of LawyersKozyak offers a straightforward message for young lawyers seeking mentorship or career direction:Do not wait for opportunities to come to you.Attend events and engage with people intentionally.Introduce yourself and ask thoughtful questions.Build relationships early.In his words, the most important step is simple:Go knock on doors. About the GuestJohn Kozyak is the co-founder of Kozyak Tropin & Throckmorton and a nationally recognized trial lawyer. Over his career he has represented clients in high-stakes litigation, complex bankruptcies, and major receiverships.He is also an author, lecturer, and longtime advocate for mentorship and diversity within the legal profession.If you enjoyed this Legend Series episode of The Practice Podcast, consider subscribing and sharing the episode with your network.Streaming on  YouTube, Spotify, Amazon Music, and Apple Podcasts. We are also in the top ten percent of listened-to podcasts globally.

Iran's has threatened to attack banks related to United States and Israeli entities in the region after what it called an attack on an Iranian bank. This fear has cause mass migration into crypto as a safe haven for financial security against a possible financial crisis in the region. Meanwhile, the banks continue to fight against crypto and the CLARITY act.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!Guest: Ron Hammond - Head of Policy and Advocacy at WintermuteWintermute website ➜ https://bit.ly/WintermuteCryptoFollow Ron on Twitter ➜ https://x.com/RonwHammond00:00 Intro00:10 Sponsor: Tangem00:40 Iran targeting banks01:20 Middle East Banks are at peak fear02:40 Polymarket vs Ron05:00 Is conflict a major catalyst for crypto06:30 Self-custody narrative reinforced08:00 Trump too busy to deal with CLARITY?10:00 Democrats sweep midterms: Plan B?11:20 CFTC protects Phantom?12:10 ABA Summit: BS survey data on yields14:20 ABA Summit: BS survey data on merchants15:50 LIGHTNING ROUND21:20 What can change everything?#Crypto #Bitcoin #Ethereum~War Hits Banks Triggering Crypto Escape

Konrad sits down in person with Gary Stevenson, former Citibank trader turned inequality economist, for a deep dive into why Australia's housing crisis isn't actually about housing at all, why billionaire-funded far-right parties are the biggest con in politics, and why anger alone won't fix the system rigged against you. Australia's Secret Housing Advantage (And Why We're Pissing It Away) Gary breaks down why Australia has everything it needs to protect living standards and prevent inequality from spiraling, including a fair go culture, natural resources under the ground, and wealth locked up in property instead of offshore tax havens. The problem? We're not using any of it. Instead, we're giving away gas royalties for free, handing tax breaks to property investors through negative gearing and the capital gains discount, and watching house prices become inheritance lotteries instead of things you buy by working. The Real Reason House Prices Are Unaffordable Everywhere This isn't a housing crisis, it's an asset price crisis. Gary explains why housing becoming unaffordable is happening in every major city across the world, why all long term assets like stocks, gold, and land are skyrocketing at the same time, and how rich people don't directly buy your house, they own the credit on your mortgage and outcompete you through the debt system. Plus, the Bible story that perfectly explains why older Australians sitting on million dollar houses aren't actually winning. Why The Far Right Is A Billionaire Con Job Gary lays out his theory that far right parties like Reform UK and One Nation are billionaire funded political vehicles designed to stop wealth taxes from rising by distracting punters with racism and grievance politics. He explains why the political center is dead, why the future is a fight between tax the rich and the far right, and why billionaires would rather collapse society than agree to fair taxation. Also: why anger won't convince your grandparents their house wealth is destroying your future, how Margaret Thatcher turned workers into asset owners who vote against themselves, the widow's mites parable as a guide for surviving the next 20 years, and why staying calm is the only way punters can fight back. Bypass the Algorithm, Sign up to the Punter Times Newsletter https://www.punterspolitics.com/pages/email-sign-up Support We the Punters on PATREON (https://www.patreon.com/punterspolitics) Buy Punters Stickers & T-shirts (https://www.punterspolitics.com/)

When Gary Stevenson was 20 years old he won a card game that led him to landing a trading job at Citibank. Then in 2008, the middle of a global financial collapse, he was making millions. And by 2011, he was the bank’s most profitable trader in the world. Today, Gary is better known to 1.5 million subscribers as Garys Economics - the inequality economist who says while other economists make predictions, his actually come true. His career was built on the bet that rising inequality would permanently damage the American and British economies, and that living standards would fall for good. In this chat with Helen Smith, Gary shares how he went from working class to multi-millionaire, what he learned rubbing shoulders with some of the world’s richest people and why he believes there is still hope for those not born into extreme wealth. Gary's Australian tour tickets here Weekend list with Helen Smith Listener Annabelle TO WATCH: Love Story: John F Kennedy Jr & Carolyn Bessette on Disney Plus TO DO: Greg Davies Aus tour TO WATCH: Reality Check: Inside America’s Next Top Model on Netflix TO WATCH: Tick, Tick... Boom! on Netflix Follow The Briefing: TikTok: @thebriefingpodInstagram: @thebriefingpodcast YouTube: @TheBriefingPodcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

Empathy is pioneering bereavement care as an enterprise benefit, transforming how employers and financial institutions support employees during life's most challenging transitions. Working with 9 of the top 10 life insurance carriers in the US and Canada—covering over 40 million people—Empathy created a new category by combining grief support with practical logistics like probate navigation, account deactivation, and estate settlement. In a recent episode of BUILDERS, we sat down with Ron Gura, Co-Founder & CEO of Empathy, to learn how the company went from testing five verticals simultaneously to dominating life insurance, then leveraged the group life/employer overlap to expand into employee benefits. Topics Discussed: Testing five enterprise verticals simultaneously to find product-market fit Landing New York Life through their venture arm and innovation team Why life insurance carriers need to be risk-averse (and how to work with that reality) The strategic overlap between group life insurance and employee benefits Investing in brand at seed stage when your barrier to entry is psychological aversion Navigating dual audiences: decision-makers in their workday versus end users in crisis Expanding from loss to adjacent life transitions like disability leave and estate planning GTM Lessons For B2B Founders: Run parallel vertical tests with focus constraints, not sequential exploration: Ron identified 10+ potential verticals but intentionally tested exactly five simultaneously—hospices, funeral homes, employers, and two others before life insurance emerged as the winner at position five. This parallel testing with artificial constraints forces prioritization while dramatically compressing time-to-insight. Sequential testing would have meant potentially cycling through five failed pilots before discovering their strongest market. B2B founders with horizontal platforms should pick their top 3-5 verticals and run focused pilots in parallel, accepting that this burns more resources upfront but eliminates the risk of quitting before finding your wedge. Map the ecosystem overlap between buyer personas before choosing your wedge: Empathy's expansion from life insurance to employers wasn't growth strategy—it was recognizing an architectural reality. Half their carriers sell group life, meaning MetLife doesn't sell to consumers at metlife.com but exclusively to employer groups. When Amanda at Paramount loses her sister (not covered by insurance), she calls Paramount HR. When her husband dies (covered by MetLife group policy), the beneficiary calls MetLife. Same end user, two different enterprise entry points into the same moment. B2B founders should map these triangular relationships before choosing their wedge vertical. The question isn't just "who has budget?" but "who else touches this user in adjacent contexts?" Brand investment at seed stage is product strategy when fighting cognitive aversion: Ron's insight: "The barrier to entry isn't regulatory and isn't technology. It's us humans trying really hard not to think about our own mortality." This isn't a marketing problem—it's a fundamental go-to-market blocker. The company made what most would consider Series A investments (premium domain, design system, tone/voice framework) at seed stage specifically because brand reduces psychological friction to adoption. Contrast this with Monday.com starting as "daPulse" and rebranding years into success. B2B founders addressing taboo topics (death, mental health, financial distress, relationship issues) should model brand as a core distribution lever, not post-PMF polish. In deeply human categories, buyer's lived experience is your demo: Enterprise buyers at Citibank, MetLife, or Google aren't experiencing crisis during the sales cycle—they're evaluating ROI in their normal workday. But as Ron noted, "Everyone we're talking to...they're humans. They have parents, they had loss, they went through probate." The most common response after seeing the product: "Damn, I wish you called me a few months ago. I needed this a year ago with my mom." This turns product demo into personal recognition. B2B founders in universal human experience categories (caregiving, bereavement, parental leave, financial stress) should structure discovery and demo to activate buyer's memory of their own experience, not just their budget authority. Category creation is a resource-attraction strategy that trades speed for competitive exposure: Ron explicitly acknowledged: "There's pros and cons to defining a category. It's helpful when you attract resources, talent, capital. It also creates very fertile ground for a number two sympathy.com to come along and learn from this podcast...what to go after." Category leadership accelerates recruiting and fundraising by providing narrative clarity, but it simultaneously publishes your playbook. Every hiring blog post, podcast appearance, and positioning document teaches future competitors which verticals to target and which to avoid. B2B founders should treat category creation as a conscious bet: trade competitive opacity for talent/capital velocity. If you're not ready to defend your position, stay in stealth longer. Bridge new categories to existing budget lines through analogous benefits: When entering new verticals beyond life insurance, Ron doesn't educate from zero. With employers, he positions bereavement care alongside caregiving solutions, fertility programs, and parental leave: "This is a life transition happening in my own intimate house. Just like a new baby. I have new duties now." This isn't metaphor—it's budget mapping. Bereavement care gets evaluated against existing family benefits spending, not created from scratch. B2B founders in new categories should identify which existing line item their solution logically extends, then structure ROI narratives around reallocation, not net-new budget creation. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

Climate United Fund v. Citibank, N.A.

Gary Stevenson learned a lot from his time as a trader for Citibank. Although he was able to make a lot of money, he became disillusioned. He decided to start doing something to change the system, and now advocates and educates on income inequality through his hugely successful YouTube channel Gary's Economics. Abbie sits down with Gary to discuss his journey into trading, and his insights into the systemic issues driving wealth disparity. LINKS See Gary Stevenson live: https://au.thinkable.events/featured-events/peoples-economist-tour-with-gary-stevenson-sydney/ Follow Gary Stevenson on IG at @garyseconomics Check out @itsalotpod on IG at https://bit.ly/itsalot-instagram . Review the podcast on Apple Podcasts https://bit.ly/ial-review Follow LiSTNR Entertainment on IG @listnrentertainment Follow LiSTNR Entertainment on TikTok @listnrentertainment Get instructions on how to access transcripts on Apple podcasts https://bit.ly/3VQbKXY CREDITS Host: Abbie Chatfield @abbiechatfield Guest: Gary Stevenson @garyseconomics Executive Producer and Editor: Amy Kimball @amy.kimballDigital and Social and Video Producer: Oscar Gordon @oscargordon Social and Video Producer: Justin Hill @jus_hillIt's A Lot Social Media Manager: Julia ToomeyManaging Producer: Sam Cavanagh Find more great podcasts like this at www.listnr.com/See omnystudio.com/listener for privacy information.

Kenny Bedwell explains why short-term rentals are harder today—and how data, design, and discipline still create outsized returns.In this episode of RealDealChat, Kenny Bedwell—short-term rental investor, former Citibank data analyst, and founder of STR Insights—breaks down what has actually changed in the Airbnb market over the last eight years.Kenny shares his journey from house hacking a duplex in Buffalo to owning short-term rentals across multiple states and even operating a hotel. We dive into why the “throw it on Airbnb and print money” era is over, how competition and regulation reshaped the landscape, and why data—not hype—must drive every STR decision today.This conversation covers how Kenny uses nationwide data to identify high-ROI markets most investors overlook, why regulated markets can still outperform, how to self-manage STRs without burning out, and what amenities and design choices actually move the revenue needle. Kenny also shares his most expensive mistakes, why parking and neighbors matter more than Instagram aesthetics, and how to think about guest avatars instead of generic “travelers.”If you're considering short-term rentals—or already in the game and feeling squeezed—this episode will reset your expectations and sharpen your strategy.

"Brand is your story. That's the one thing that is unique about you." -Nick Usborne   Abe Kasbo is the Founder and CEO of Verasoni, a global marketing communications advisory and agency that delivers integrated strategies for Fortune 500, middle-market, and startup clients, and he serves as a trusted advisor to C-suite leaders on branding, communications, and public relations. He is the author of Irresponsibly Digital, a call to action challenging businesses to rethink digital-first strategies with greater purpose, creativity, and measurable impact, and he has been featured in major outlets including The New York Times, Forbes, PBS, and Fox Business. Abe is an award-winning entrepreneur and humanitarian, including the 2025 Small Business Council of America Humanitarian Award, a documentary filmmaker whose PBS-distributed film The Arab Americans explores 150 years of cultural impact, and a founder of multiple philanthropic initiatives. He is a Seton Hall University Entrepreneur Hall of Fame inductee and holds advanced degrees in public administration, political science, and international relations. Website: https://verasoni.com LinkedIn: https://www.linkedin.com/in/abe-kasbo-3828913/  YouTube: https://www.youtube.com/verasoni   Nick Usborne is a veteran copywriter, trainer, and digital marketing pioneer with over 40 years of experience helping brands and writers create clear, human-centered content. He trains digital marketers, copywriters, and content teams to protect authentic brand stories while using AI responsibly to generate content at scale, through his "AI + Emotional Intelligence" approach. Nick has written for global brands including Apple, Reuters, The New York Times, and Citibank, spoken at leading industry conferences, and led in-house trainings for organizations such as Intuit, Merck, and Walt Disney Attractions. He is widely recognized by industry leaders for his clarity of thought and continues to teach writers how to future-proof their work in the age of AI. Website: https://storyaligned.com/  LinkedIn: https://www.linkedin.com/in/nickusborne/    In this episode, we discover expert insights on blending AI, brand storytelling, and authentic marketing.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz   Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

"Brand is your story. That's the one thing that is unique about you." -Nick Usborne   Abe Kasbo is the Founder and CEO of Verasoni, a global marketing communications advisory and agency that delivers integrated strategies for Fortune 500, middle-market, and startup clients, and he serves as a trusted advisor to C-suite leaders on branding, communications, and public relations. He is the author of Irresponsibly Digital, a call to action challenging businesses to rethink digital-first strategies with greater purpose, creativity, and measurable impact, and he has been featured in major outlets including The New York Times, Forbes, PBS, and Fox Business. Abe is an award-winning entrepreneur and humanitarian, including the 2025 Small Business Council of America Humanitarian Award, a documentary filmmaker whose PBS-distributed film The Arab Americans explores 150 years of cultural impact, and a founder of multiple philanthropic initiatives. He is a Seton Hall University Entrepreneur Hall of Fame inductee and holds advanced degrees in public administration, political science, and international relations. Website: https://verasoni.com LinkedIn: https://www.linkedin.com/in/abe-kasbo-3828913/  YouTube: https://www.youtube.com/verasoni   Nick Usborne is a veteran copywriter, trainer, and digital marketing pioneer with over 40 years of experience helping brands and writers create clear, human-centered content. He trains digital marketers, copywriters, and content teams to protect authentic brand stories while using AI responsibly to generate content at scale, through his "AI + Emotional Intelligence" approach. Nick has written for global brands including Apple, Reuters, The New York Times, and Citibank, spoken at leading industry conferences, and led in-house trainings for organizations such as Intuit, Merck, and Walt Disney Attractions. He is widely recognized by industry leaders for his clarity of thought and continues to teach writers how to future-proof their work in the age of AI. Website: https://storyaligned.com/  LinkedIn: https://www.linkedin.com/in/nickusborne/    In this episode, we discover expert insights on blending AI, brand storytelling, and authentic marketing.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz   Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

Send a textMastering Short-Term Rentals with Data-Driven Real Estate Strategies - Featuring Kenny Bedwell from STR InsightsIn this insightful episode of the Real Estate Underground podcast, host Ed Mathews welcomes Kenny Bedwell from STR Insights to discuss the intricacies of short-term rental investments. Kenny shares his journey from a data analyst at Citibank to a successful real estate investor specializing in short-term rentals. He emphasizes the importance of choosing the right markets, investing in amenities, and focusing on the guest experience to succeed in the competitive short-term rental space. Kenny also highlights his strategies for managing properties remotely, leveraging local resources, and the value of balancing work and family life. This episode is a must-listen for anyone looking to optimize their investments in the short-term rental market.00:00 Introduction and Podcast Overview01:19 Guest Introduction: Kenny Bedwell from STR Insights01:45 Kenny's Background and Real Estate Journey02:19 The Shift to Short-Term Rentals02:45 Navigating Regulations and Diversifying Investments04:00 Understanding the Short-Term Rental Market09:17 Creating Unique Guest Experiences15:50 Managing Short-Term Rentals Across Multiple States20:07 Managing Property Operations20:57 Human Capital and Property Management23:35 Personal Drive and Motivation25:09 Valuable Advice and Lessons Learned32:41 Defining Success and Personal Growth34:46 Hobbies and Family Life37:25 Connecting with Kenny BedwellThis Week's Book: The Pumpkin Plan: A Simple Strategy to Grow a Remarkable Business in Any Field (Entrepreneurship Simplified) - By Mike MichalowiczElevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors. Heads up: If you find this week's book intriguing and you buy using our link, we receive a small commission that helps support the show. Thank you!

Jeff Goldberg is the Sales Confidence Architect at The Sales Confidence Lab where they're dedicated to helping "accidental salespeople" enroll more clients without feeling salesy or sleazy. He's an award-winning sales professional with almost 5 decades of sales, sales management, training & coaching experience. Jeff has had the opportunity to teach, coach, mentor and speak internationally in front of tens of thousands of salespeople...both professional and non-traditional in a diverse array of industries.Goldberg is the co-author of two books…”Leverage Your Laziness” and “How to Be Your Own Coach!” He delivers powerful, high-energy programs and speeches that draw on his years of experience as a performer in the theatre and stand-up comedy. He is relentlessly energetic and results-driven and injects humor, passion, and a strong dose of reality into all his programs. He has delivered training for clients such as State Farm, Aramark, Siemens, Newsday, Cisco, Citibank, Cablevision, and others representing nearly every commercial and industrial category.

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

In this special in-person interview, Jim Rickards breaks down why the Trump administration is far more strategic than the media portrays, explaining the "flood the zone" tactic and Scott Bessent's "Three Arrows" approach to bringing down the debt-to-GDP ratio. Jim dismantles the popular "debasement trade" narrative, revealing that foreign central banks are not dumping Treasuries and that the real risk lies in the Eurodollar market and the $1 quadrillion derivatives system underpinning global finance. He warns that stablecoins are quietly hoarding Treasury bills needed for collateral — and the risk of fraud waiting to blow up. On gold, Jim explains why $5,000 is just the beginning, making the case for $10,000 to $25,000 based on historical precedent from the 1970s when the dollar lost 94% of its value measured in gold. He also offers a bold prediction: the potential breakup of NATO as geopolitical alliances fracture under pressure. More about Rickards: Rickards is a New York Times bestselling author of Currency Wars: The Making of the Next Global Crisis and several other best-sellers, including The New Great Depression, Aftermath, The Road to Ruin, Death of Money, The New Case for Gold, Sold Out: How Broken Supply Chains, Surging Inflation, and Political Instability Will Sink the Global Economy, and his newest book MoneyGPT: AI and the Threat to the Global Economy. An investment advisor, lawyer, inventor, and economist, Rickards has held senior positions at Citibank, Long-Term Capital Management, and Caxton Associates. He is also the Editor of Strategic Intelligence, a widely-read financial newsletter. Links:  http://www.jamesrickardsproject.com/ https://x.com/RealJimRickardsTimestamps: 0:00 Intro 2:33 Why the second Trump term is different from the first 5:25 The Heritage Foundation and Project 2025 6:45 Executive orders and legislative wins 8:20 Federal courts and the Supreme Court battles 9:49 The economy: Is it really chaos? 11:32 The national debt: Why $39 trillion isn't the number to watch 13:45 The debt-to-GDP ratio explained 15:30 The Keynesian multiplier and diminishing returns 17:38 How we fixed the debt ratio after WWII (1945-1980) 18:36 Scott Bessent's "Three Arrows" strategy 19:19 The debasement trade: Why it's a false narrative 21:15 Are foreign central banks dumping Treasuries? (No) 23:15 What triggers a financial panic 24:45 How the Fed actually "prints money" 26:30 The Eurodollar market: Where real money comes from 28:00 The $1 quadrillion derivatives market 30:15 Stablecoins: The hidden risk in crypto 33:24 Tether's commercial paper problem 35:37 Gold: Why it's really moving 37:45 The Russian asset freeze and its unintended consequences 42:26 Gold does well in deflation too 45:48 The first Pentagon financial war game (2009) 49:54 Gold's trajectory: $10,000 to $25,000 or higher 51:45 The 1970s: When gold went up 2,700% 55:30 Anchoring bias and why $1,000 jumps get easier 56:33 Jim Rogers on the 50% retracement rule 58:49 Silver: Precious metal meets industrial input 63:21 Bold prediction: The potential breakup of NATO 67:34 Parting thoughts: True diversification

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe world is continually paying the [CB]s more and more of their hard earned labor. In Germany the people are taxed 42%, almost half of their income. Fed inflation indicator reports no inflation, Truinflation reports inflation is at 1.2%.BoA and Citibank are in talks to offer 10% credit card. Trump says US will the crypto capital of the world. Globalism/[CB] system has failed, the power will return to the people. The patriots are sending a message, DOJ 2.0 is not like DOJ 1.0, same with the FBI, you commit a crime you will be arrested. The message is clear, the protection from these agencies are gone. Bondi arrest the Church rioters. Trump’s message at DAVOS is clear, the [DS] power and agenda is no more. Trump is now in control and the world will begin to move in a different direction, either you are on board or you will be left behind. The power belongs to the people.   Economy https://twitter.com/WallStreetMav/status/2014289396112011443?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Fed’s Favorite Inflation Indicator Refuses To Show Any Signs Of Runaway ‘Trump Tariff’ Costs The Fed’s favorite inflation indicator – Core PCE – rose 0.2% MoM (as expected), which leave it up 2.8% YoY (as expected), slightly lower than September’s +2.9%…   Bear in mind that this morning’s third look at Q3 GDP printed a +2.9% YoY for Core PCE. Under the hood, the biggest driver of Core PCE remains Services costs – not tariff-driven Goods prices…   In fact, on a MoM basis, Non-durable goods prices saw deflation for the second month in a row…   Source: zerohedge.com https://twitter.com/truflation/status/2014322072286302619?s=20 – Food – mostly Eggs – Household durables – particularly housekeeping supplies – Alcohol & tobacco – mostly alcoholic beverages Our number is derived by aggregating millions of real-time price data points every day to calculate a year-over-year CPI % rate. It is comparable but not identical to the survey-based official headline inflation released monthly by the BLS, which was 2.7% for December. Bank Of America, Citigroup May Launch Credit Cards With 10% Rate Two weeks after Trump shocked the world by demanding lenders cap credit card interest rates at 10% for one year, Bank of America and Citigroup are exploring options to do just that in an attempt to placate the president.  Bloomberg reports that both banks are mulling offering cards with a 10% rate cap as one potential solution.  Earlier this week, Trump said he would ask Congress to implement the proposal, giving the financial firms more clarity about what exact path he's pursuing. Bank executives have repeatedly decried the uniform cap, saying it'll cause lenders to have to pull credit lines for consumers.  Source: zerohedge.com Trump sues JPMorgan Chase and CEO Jamie Dimon for $5B over alleged ‘political’ debanking The lawsuit claims JPMorgan’s decision ‘came about as a result of political and social motivations’ to ‘distance itself’ Trump and his ‘conservative political views’  President Donald Trump is suing JPMorgan Chase and its CEO Jamie Dimon in a $5 billion lawsuit filed Thursday, accusing the financial institution of debanking him for political reasons. The president's attorney, Alejandro Brito, filed the lawsuit Thursday morning in Florida state court in Miami on behalf of the president and several of his hospitality companies.  “ Source: foxnews.com https://twitter.com/RapidResponse47/status/2013984082640658888?s=20  WEF Finance/Banking Panel – If Independent National Economies Continue Rising, Global Trade Drops and We Lose Control Globalism in its economic construct is a series of dependencies. If those dependencies are severed, if each country has the ability to feed, produce and innovate independently, then the entire dependency model around globalism collapses. Within the globalism model that was historically created there was a group of people, western nations, banks, finance and various government leaders, who controlled the organization and rules of the trade dependencies.  The action being taken for self-sufficiency, in combination with the approach promoted by President Trump that each nation state should generate their own needs, then the rules-based order that has existed for global trade will collapse. If nations are no longer dependent, they become sovereign – able to exist without the need for support from other nations and systems. If nations are indeed sovereign, then globalism is no longer needed and a threat of the unknown rises. How will nations engage with each other if there is no governing body of western elites to make the rules for engagement?  The need for control is a reaction to fear, and it is the fear of self-reliance that permeates the elitist class within the control structures.   If each nation of the world is operating according to its individual best interests, the position of Donald Trump, then what happens to the governing elite who set up the system of interdependencies. This is the core of their fear. If each nation can suddenly grow tea, what happens to the East India Tea Company.  Who then sets the price for the tea, and worse still an entire distribution system (ships, ports, exchanges, banks, etc.) becomes functionally obsolescent. Source: theconservativetreehouse.com  Political/Rights TWO-TIERED JUSTICE: Conservative Journalist Kaitlin Bennett Charged and Fined for Interviewing Democrats in Public — While Don Lemon Storms Churches With Zero Consequences The United States now operates under a blatantly two-tiered justice system, where conservative journalists are criminally charged for speech in public spaces, while left-wing media figures face zero consequences for harassing Americans and disrupting religious services. Conservative journalist Kaitlin Bennett revealed this week that she was charged with a federal crime and fined by the National Park Service in St. Augustine for the so-called offense of asking Democrats questions on public property. According to Bennett, federal agents targeted her while she was conducting on-the-street interviews, a form of journalism protected by the First Amendment. Despite being on public land, Bennett says she was cited and punished simply for engaging in political speech that the Left finds inconvenient. Bennett addressed the incident directly in a post on X, writing: https://twitter.com/KaitMarieox/status/2014174254799958148?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2014174254799958148%7Ctwgr%5Ef4a6650cd0c60d38edfea018c5665c2cc2fe5199%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Ftwo-tier-justice-conservative-journalist-kaitlin-bennett-charged%2F When asked by another local journalist exactly what “lawful order” Bennett had disobeyed, the ranger reportedly could not provide a straight answer. WATCH: Source: thegatewaypundit.com https://twitter.com/DHSgov/status/2014322865848406370?s=20   Alexander Conejo Arias, fled on foot—abandoning his child. For the child's safety, one of our ICE officers remained with the child while the other officers apprehended Conejo Arias.   Parents are asked if they want to be removed with their children, or ICE will place the children with a safe person the parent designates. This is consistent with past administration's immigration enforcement. Parents can take control of their departure and receive a free flight and $2,600 with the CBP Home app. By using the CBP Home app illegal aliens reserve the chance to come back the right legal way. https://twitter.com/DHSgov/status/2014049440911303019?s=20   inflicting corporal injury on a spouse or cohabitant. An immigration judge issued him a final order of removal in 2019. In a dangerous attempt to evade arrest, this criminal illegal alien weaponized his vehicle and rammed law enforcement. Fearing for his life and safety, an agent fired defensive shots. The criminal illegal alien was not hit and attempted to flee on foot. He was successfully apprehended by law enforcement. The illegal alien was not injured, but a CBP officer was injured.  These dangerous attempts to evade arrest have surged since sanctuary politicians, including Governor Newsom, have encouraged illegal aliens to evade arrest and provided guides advising illegal aliens how to recognize ICE, block entry, and defy arrest. Our officers are now facing a 3,200% increase in vehicle attacks. This situation is evolving, and more information is forthcoming.   https://twitter.com/nicksortor/status/2014063905413177637?s=20  CNN Panelist Issues Retraction and Apology After Going Too Far in On-Air Trump Attack    footage of CNN's “Newsnight with Abby Phillip” was posted to social media platform X featuring 25-year-old leftist activist Cameron Kasky alongside panel mainstay Scott Jennings. A moment between the two went viral when Kasky casually declared that President Donald Trump had been involved in an international sex trafficking ring. Jennings wasn't going to let that remark go unchallenged by host John Berman. The topic of conversation had been Trump's interest in Greenland and the Nobel Peace Prize, but Kasky threw in a jab at Trump with an allusion to the president's relationship with the late sex offender Jeffrey Epstein — an allusion Kasky's now trying to walk back. “I would love it if he was more transparent about the human sex trafficking network that he was a part of, but you can't win 'em all,” he blurted out. https://twitter.com/overton_news/status/2013455047288377517?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2013455047288377517%7Ctwgr%5E20edbbd712c7076d1aafdac2d1e39d7eb8307263%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fcnn-panelist-issues-retraction-apology-going-far-air%2F   Berman asked Jennings a follow-up question about Greenland, but instead of addressing that, Jennings circled back to Kasky's remark. “You're gonna let that sit?” Jennings asked Berman. “Are we going to claim here on CNN that the president is part of a global sex trafficking ring or …?” After assuring Jennings that he would do the fact-checking, Berman asked Kasky to repeat what he'd said about the global sex-trafficking ring. “That Donald Trump was … probably … very involved with it,” the arrogant young man replied, with perhaps a touch less confidence. To Berman's credit, and the CNN legal team's, he immediately said, “Donald Trump has never been charged with any crimes in relation to Jeffrey Epstein.” https://twitter.com/camkasky/status/2013760245298864477?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2013760245298864477%7Ctwgr%5E20edbbd712c7076d1aafdac2d1e39d7eb8307263%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fcnn-panelist-issues-retraction-apology-going-far-air%2F Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2014189561002291385?s=20 DOGE Geopolitical https://twitter.com/brentdsadler/status/2014311942119137584?s=20  important as these agreements cover the entirety of the Chagos group of islands/features. Critical as future third party presence in those areas proximate Diego Garcia could in practical terms render those U.S. military facilities operationally impractical (ie useless). The current deal under consideration in the UK parliament in a rushed vote as soon as 2 February is ill advised. And it likely would break the decades long understanding with the U.S. government. See: Active U.S. treaties: https://state.gov/wp-content/uploads/2025/08/Treaties-in-Force-2025-FINAL.pdf 1966 Foundational Understanding: https://treaties.un.org/doc/Publication/UNTS/Volume%20603/volume-603-I-8737-English.pdf 1972 Understanding regarding new facilities on Diego Garcia: https://treaties.un.org/doc/Publication/UNTS/Volume%20866/volume-866-I-8737-English.pdf 1976 Understanding and concurrence on new communications facilities on Diego Garcia and references as foundational the 1966 Understanding: https://treaties.fcdo.gov.uk/data/Library2/pdf/1976-TS0019.pdf?utm_source https://twitter.com/HansMahncke/status/2014150131247874267?s=20 The EU-Mercosur deal is a major free trade agreement between the European Union and the Mercosur bloc (Argentina, Brazil, Paraguay, and Uruguay). Negotiated for over 25 years, it aims to create one of the world’s largest free trade zones, covering more than 700 million people and reducing tariffs on goods like cars, machinery, pharmaceuticals, and agricultural products.  It includes commitments on sustainability, labor rights, and environmental protections, but critics argue these are insufficient to address issues like Amazon deforestation and unfair competition for European farmers. The agreement was politically finalized in 2019 but faced delays due to environmental concerns and opposition from countries like France and Austria. It was formally signed on January 17, 2026, after EU member states (with a qualified majority, despite opposition from five countries including France) greenlit it on January 9.  The Stupidity of Davos Explained Using an Example of Their Own Creation China is manufacturing a product to create a carbon credit certificate in response to the demand for carbon credits from all the world auto-makers.  Any nation that has a penalty or fine attached to their climate goals is a customer. Those are nations with fines or quotas associated with the production of gasoline powered engines if the auto company doesn't hit the legislated target for sales of electric vehicles. In essence, EU/AU/CA/RU/ASEAN car companies buy Chinese car company carbon credits, to avoid the EU/AU/CA/RU/ASEAN fines.  The Chinese then use the carbon credit revenue to subsidize even lower priced Chinese EVs to the EU/AU/CA/RU/ASEAN car markets, thereby undercutting the EU/AU/CA/RU/ASEAN car companies that also produce EVs. China brilliantly exploits the ridiculous pontificating climate scam and has an interest in perpetuating -even emphasizing- the need for the EU/AU/RU/ASEAN countries to keep pushing their climate agenda.  China even goes so far as to fund alarmism research about climate change because they are making money selling carbon credit certificates on the back end of the scam to the western fear mongers.  This is friggin' brilliant.   The climate change alarmists are helping China's economy by pushing ever escalating fear of climate change.  You just cannot make this stuff up. What does the outcome look like? Well, in this example we see hundreds of thousands of unsold BYDs piling up in countries that emphasize climate regulations with no restrictions on the import of EVs (which most don't even manufacture), which is almost every country.  Big Panda doesn't care about the car itself; they care about generating the carbon credit certificate to sell in the various carbon exchanges. Put this context to the recent announcement by Canadian Prime Minister Mark Carney about his new trade deal with China to accept 49,000 EVs this year. Prime Minister Carney bragged about getting the Chinese to agree to only super low prices for the Canadian market.  Mark Carney was very proud of his accomplishment to get much lower priced vehicles for Canadian EV purchasers.   No doubt Big Panda left the room laughing as soon as Carney made his grand announcement. 1. China sells EV's in Canada, creating credits available on the carbon exchange scheme. Europe et al will purchase the carbon credits because Bussels has fines against EU car companies. 2. With a foothold already established in Europe, China will then take the money generated by the carbon credit purchases and lower the prices of the Chinese EV cars sold in Canada. It's gets funnier. 3. Carney bragged about forcing China to only sell low price EV's as part of the trade agreement. The low price of the EV's in Canada will be subsidized by Europe. China doesn't pay or lose a dime. But wait…. 4. Carney can't do anything about the scheme he has just enmeshed Canada into, because Canada has a Carbon Credit exchange in law.

In pursuing civil enforcement under the Virgin Islands' Criminally Influenced and Corrupt Organizations Act (CICO), former U.S. Virgin Islands Attorney General Denise George didn't just target Jeffrey Epstein's estate and his immediate corporate structures — she cast a far wider net that reached into major financial institutions she believed enabled and obscured his criminal enterprise. After securing a blockbuster $105 million settlement with Epstein's estate and co-defendants for human trafficking, child exploitation, fraud, and corrupt use of tax incentives, her office issued subpoenas to multiple banks, including JPMorgan Chase, Deutsche Bank, and Citibank, seeking detailed account records, wire transfers, and communications related to Epstein's myriad corporations, trusts, and financial vehicles. These subpoenas were intended to trace how funds moved through Epstein's networks and whether banks knowingly facilitated or failed to flag suspicious activity tied to his sex-trafficking scheme.George then took the extraordinary step of filing a federal lawsuit against JPMorgan Chase, accusing the bank of “knowingly facilitati[ng], sustain[ing], and conceal[ing]” Epstein's human trafficking operations and alleging it financially benefitted from maintaining and managing his accounts over years. The complaint portrayed JPMorgan as indispensable to Epstein's ability to pay recruiters and victims, maintain secrecy, and profit from his criminal enterprise — claims that expanded the legal exposure beyond individuals directly implicated in abuse to the financial systems that kept Epstein's operation solvent. Although Deutsche Bank was not named as a defendant in George's suit, the broader investigative push signaled an effort to hold major financial players accountable for oversight failures or complicity in facilitating one of the most notorious trafficking networks in recent history.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

See more: https://thinkfuture.substack.comConnect with Zoher: https://www.linkedin.com/in/zzkaru/---Everyone talks about AI—but it's data that still decides what works and what fails.In this episode of thinkfuture, host Chris Kalaboukis speaks with Zoher Karu, data and analytics leader with a PhD in engineering and experience at McKinsey, eBay, Citibank, Sears, and Blue Shield of California. Zoher now works with Taelor, a men's clothing rental subscription service using data and AI to personalize style at scale.Zoher explains why “dirty data” remains one of the biggest unsolved problems in business—and why the issue isn't technology, but how organizations are structured. Teams build data in silos to solve short-term problems, creating fragmented systems that AI can't magically fix.The conversation moves from fashion and personalization to a much bigger question: what happens when AI quietly takes over everyday decision-making?We cover:- How Taelor uses data, metadata, and human stylists to curate clothing- Why clothing sizes are a data nightmare—and what that teaches us about AI limits- The real reason data quality is still broken across industries- How siloed teams create long-term data problems- Why AI will reduce the effort of finding information, not eliminate thinking -A future where tasks like planning events, shopping, and inventory management become automated- What humans should focus on when machines handle the mundaneZoher's view of the future isn't flashy—it's practical. As AI handles more low-level optimization, human value shifts toward judgment, creativity, and deciding what actually matters.If you're interested in AI, data, personalization, or the future of everyday decision-making, this episode offers a grounded look at where we're really headed.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Amid all the anxiety, uncertainty and flip-flopping in this economy, one sector is doing tremendously: Big banks. Recent earnings reports showed banks including Citibank and JPMorgan beat revenue expectations and grew at a clip over the past few months. In this episode, why banks are thriving as regulations loosen and the economy gets unpredictable. Plus: A growing share of small businesses are raising prices in response to tariffs, Microsoft stopped updating Windows 10, and battery makers weigh pivot from EVs to grid storage.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.