Podcasts about clearinghouse

In This Episode Payments are getting faster. From RTP to stablecoins, rails are modernizing. Speed alone doesn't equal progress, however. As real-time payment systems expand, banks, businesses, and policymakers are asking a bigger question: how do new payment rails actually change how money moves, decisions get made, and value is created? In this episode of Breaking Banks, host Jason Henrichs brings together Dominic Venturo, SEVP and Chief Digital Officer at U.S. Bank and David Watson, President and CEO at The Clearing House to explore what is really changing beneath the surface. The trio discuss: how instant payments are moving beyond consumer use cases into business and treasury workflows, where banks are finding real opportunity (and where they aren't), and how tools like request-for-payment and stablecoins are reshaping cash flow and transparency. Share with industry friends and colleagues. The episode is not to be missed!

Today on the Woody and Wilcox Show: Publisher's Clearing House scam; Woody Game Wednesday; Matthew Broderick's car crashed that killed two people; World record for largest gathering of people wearing ball caps; Penisgate at the Olympics; Woman sues for injury at Donny Osmond concert; Meta has patented AI that can control your social media after your death; And more!

Real-time payments are already transforming how money moves, but most payment professionals still don't understand the opportunity. In this episode of the Merchant Sales Podcast, James Shepherd and Patti Murphy sit down with Jim Colassano, Senior Vice President at The Clearing House, to break down the RTP (Real-Time Payments) network and why instant money movement could reshape merchant settlement, cash flow, disbursements, and business payments. They discuss how payments can settle in seconds, why adoption is accelerating, and what ISOs and processors need to do now to stay competitive. The episode also includes a Today in Payments segment with Patti Murphy covering major industry news, including interchange legislation, consumer spending trends, digital wallet adoption, and emerging payment innovations. If you're a merchant sales agent, ISO owner, or payments professional, this episode will help you understand one of the biggest infrastructure shifts happening in the payments industry today.

EMR upgrades, clearinghouse changes, and AI automation are reshaping revenue cycle operations, but they can also disrupt cash flow if not carefully managed. This episode focuses on maintaining revenue continuity during system transitions, highlighting where delays commonly occur, how AI automation fits into modern workflows, and what operational safeguards help ensure revenue continues to flow through change. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Higher education is under mounting pressure to prove its value. But the data institutions need to respond already exists — most are just not using it strategically. In this episode of the Changing Higher Ed® podcast, Dr. Drumm McNaughton speaks with Melba Amissi, Chief Customer and Operations Officer at the National Student Clearinghouse, about how the Clearinghouse's cross-institutional data can help college presidents and boards navigate the accountability, affordability, and workforce alignment challenges reshaping higher education. Drawing on a career in financial services, fraud analytics, cybersecurity, and operational transformation, Amissi brings an outsider's perspective to higher ed — one grounded in measurable outcomes and data-driven decision-making. She and Dr. McNaughton explore why institutions must embrace non-linear student pathways, improve credit mobility, strengthen employer partnerships, and lead with transparency to maintain public trust and institutional viability. This conversation is especially relevant for institutional leaders grappling with how to demonstrate return on investment, serve the growing stop-out population, and align programs with workforce needs in a rapidly shifting political and economic landscape. Topics Covered: The National Student Clearinghouse's role beyond compliance reporting — as a strategic benchmarking and analytics resource Why 42 million adults with some college and no credential represent both a challenge and an opportunity How credit mobility and articulation agreements affect enrollment competitiveness The Workforce Pell negotiated rulemaking process and its implications for program design Why workforce alignment should be an "and," not an "or" alongside liberal education How the FAFSA will now warn students about institutions with poor earnings-to-cost outcomes The rising Higher Education Price Index and its compounding effect on institutional costs Real-World Examples Discussed: Franklin University's articulation agreements with over 1,400 institutions, enabling five-minute credit evaluations for transfer students Paul Quinn College's work-integrated model partnering students with Southwest Airlines and other employers Tennessee's statewide talent pipeline that maps graduate competencies directly to employer needs Microsoft's partnership with Miami-Dade College community colleges to build cybersecurity workforce programs Oregon's systemwide credit transfer framework as a model for state-level interoperability Three Key Takeaways for Leadership: Transparency is a survival strategy — proactively share graduation rates, employment outcomes, and student debt data to build trust and stay ahead of regulatory mandates. Align programs with workforce needs through employer partnerships, stackable credentials, and continuous program assessment to demonstrate measurable ROI. Demonstrate real impact — show students, families, and stakeholders the tangible outcomes of your institutional strategies. Bonus Takeaway from Dr. McNaughton: Embrace diverse and non-linear student pathways. The traditional four-year linear journey is no longer the norm — institutions must design systems that serve students from all walks of life and keep the focus on student outcomes. This episode offers a data-grounded look at why higher education's most urgent challenges — cost, accountability, and public trust — require leaders who are willing to use the information already at their disposal to drive strategic change. Read the transcript: https://changinghighered.com/racking-stop-outs-transfers-and-roi-across-the-full-student-journey/ #HigherEducation #HigherEdROI #HigherEducationPodcast #StudentSuccess #WorkforceAlignment 

What do 17th-century Dutch coffee houses, paper share certificates in wheelbarrows, and today's digital asset markets all have in common? In this episode you'll find out, they're all part of the same story: the evolution of financial market infrastructure.Hosts Jonny Fry and Alex Bausch are joined by Oliver Margolis, Head of Product at ClearToken, for a candid explanation of the unseen systems that make markets work: the pipes and plumbing most people never think about until something breaks. The birth of public companies, Lloyd's of London, the role of clearinghouses, central securities depositories, and regulation, the conversation tracks how trust, risk, and settlement have evolved over centuries.Oliver explains how clearinghouses sit between counterparties to reduce risk, unlock capital, and prevent the “black swan” events that have repeatedly shaken the crypto industry. Using everyday examples, such as buying a coffee, this episode breaks down delivery versus payment (DVP), net settlement, and why pre-funding trades in crypto is a relic institutions can no longer afford.The episode also marks a major milestone in ClearToken's journey. Fresh from UK regulatory approval, Jonny, Alex and Oliver discuss launching live operations with tens of thousands of trades on day one and becoming the first firm admitted to the Bank of England's Digital Securities Sandbox. From tokenised bonds and digital gilts to the future role of AI in capital markets, the discussion goes well beyond crypto, and toward a world where any asset, from securities to energy, can be traded, settled, and reused efficiently.Participants:Oliver Margolis: https://www.linkedin.com/in/olivermargolis/Jonny Fry: https://www.linkedin.com/in/jonnyfry/Alex Bausch: https://www.linkedin.com/in/alexbausch/Find out more about ClearToken: https://cleartoken.io/ Send a textDo you want to join one of the use cases? Contact us via mariana@2tokens.org Read more on our blog

Money keeps moving while the world sleeps, and the rails behind it are evolving fast. We sit down with Pat Antonacci, Chief Product Officer at The Clearing House, to break down how CHIPS, ACH (EPN), and RTP each power a different promise - liquidity, scale, and always‑on finality and why that mix is reshaping how businesses and consumers move funds.Pat explains why CHIPS dominates high‑value cross‑border flows and how its netting algorithm delivers 30:1 liquidity savings that matter on volatile days. We trace ACH's steady rise, including same‑day and intraday growth, and dig into record holiday peaks that reveal the hidden rhythms of settlement. Then we go deep on RTP: eight years in, 98% of U.S. real‑time traffic, rising daily volumes, a $10 million limit, and use cases spanning account‑to‑account moves, brokerage funding, wallet top‑ups, gig payouts, loan disbursements, and tuition deadlines that can't wait until Monday.The conversation tackles big questions: Are rails competing or complementing? Where are checks being displaced? How do Request for Payment and ISO 20022 unlock cleaner data and fewer exceptions? We explore the 2026 landscape - APIs, cloud, AI‑driven fraud controls, open banking momentum and why the smart strategy is matching the rail to the job: ACH for routine batches, RTP for precise timing and finality, and CHIPS for high‑value, cross‑border certainty. Pat also previews The Clearing House roadmap, from broader RTP ubiquity and fraud tools to extended CHIPS hours that bring wires closer to continuous availability.If you care about how money actually moves and how that movement shapes cash flow, customer trust, and the broader economy, this conversation is your field guide. 

EMR upgrades, clearinghouse changes, and AI are reshaping revenue cycle operations, but they can also disrupt cash flow if not carefully managed. This episode focuses on maintaining revenue continuity during system transitions, highlighting where delays commonly occur, how AI fits into modern workflows, and what operational safeguards help ensure revenue continues to flow through change.Brought to you by www.infinx.com

Kyle Tucker is a Los Angeles Dodger. Reading: Tariff Dossier (2025) edited by Heatwave Magazine, with contributions from Chuang, Jamie Merchant, Clearinghouse, Réalité, Raffaele Sciortino, Conatus Editorial and more. Just go read it all here: https://www.heatwavemag.info/dossiers/tariffs/ Send us a question, comment or valid concern: auxiliarystatements(at)gmail.com DISCORD: https://discord.gg/Mb6B2e48

In this episode of the Form3 Powering Payments Podcast, Miriam Sheril, Head of Product - US at Form3 and Cheryl Gurz, RTP Product Manager at The Clearing House, explore the TCH RTP roadmap to 2026, breaking down upcoming changes and what they mean for banks and fintechs. They also discuss how institutions can prepare for these updates and how Form3 is supporting clients through the transition.

Cash flow used to mean waiting and worrying. Today, it can mean deciding and doing. We sit down with Ana Garcia of JPMorgan Payments and James Chi of Block to unpack how real-time payments are reshaping the small business playbook - turning every sale into instantly usable working capital and replacing uncertainty with visibility you can act on.Ana pulls back the curtain on how instant payments actually work: APIs or portals trigger transactions, banks authenticate and screen for fraud and compliance, networks like The Clearing House RTP clear and settle, and funds land in seconds with instant confirmation. James maps those capabilities to real merchant needs - Square's instant transfers to linked accounts, immediate spend via Square Checking, and faster marketplace payouts for merchants - showing how speed enables on-time payroll, proactive inventory management, and smoother refunds.We also get real about adoption. Many owners still don't know they can move money this fast, so education in context is key - surfacing instant options exactly when cash is tight. On safety, both leaders emphasize layered defenses: identity checks, behavioral analytics, transaction limits, and step-up authentication, proving you don't need to trade security for speed. Looking forward, we explore request for payment for cleaner collections, the march toward near-universal bank coverage, and the promise of cross-border instant payments that could redefine supplier and marketplace flows. If you care about liquidity, predictability, and customer trust, this conversation shows how real-time payments turn pressure into momentum.This episode is part of our special series on The Future of Modern Payments sponsored by The Clearing House.

In this episode, we explore two powerful stories of legacy, leadership, and service. (00:00:00) First, we honor the life and music of the late Kim Simmonds, legendary blues guitarist and founder of Savoy Brown, through his newly completed autobiography, Street Corner Talking, The Autobiography of Kim Simmonds: The Life and Music of the Founder and Guitarist of Savoy Brown. Before his passing in 2022, Simmonds spent years writing the story of his remarkable six-decade journey in blues-rock. from discovering the blues in post–World War II Wales to leading one of Britain’s most enduring bands and achieving lasting success in the United States with classic albums like Street Corner Talking and Hellbound Train. Kim’s wife, Debbie Lyons Simmonds, joins the conversation to discuss how she carefully compiled his original writings so the book could be published exactly as he intended. As Debbie explains, “It’s all Kim’s words, I didn’t add, I didn’t delete, I didn’t change anything.” Music historian and author Robert Schaffner also joins us, sharing how he has been instrumental in helping promote the book and preserve Kim’s place in blues history. Together, they reflect on Savoy Brown, the early British blues movement, and the personal stories behind the music. Street Corner Talking, The Autobiography of Kim Simmonds: The Life and Music of the Founder and Guitarist of Savoy Brown is available now for preorder, ahead of its January 28, 2026, release. (00:22:29) In the second half of the episode, we shift to an important and timely discussion on healthcare and veteran employment. Daniel Perkins, founder and principal scientist of the Clearinghouse for Military Family Readiness at Penn State, joins us to talk about a recent forum held in Harrisburg examining how states across the country are creating structured pathways for military medics to transition into civilian healthcare roles. These models may offer valuable insights for Pennsylvania as it looks to address healthcare workforce shortages while supporting veterans and their families.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Mike Turner and Ovie Mughelli get into how the season ended with a big win over the Saints and in more important news, how the Falcons front office has relieved BOTH Terry Fontenot AND Raheem Morris of their duties with the team. Where do the Falcons go from here? The Falcons have joined a long list of NFL teams that will be looking for a brand new talented head coach to help them build off the talented roster they have, do the guys have any ideas? Listen in to find out! ONLY right here on Bleav in Falcons! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we examine what actually happens when crypto markets break — how leverage builds beneath the surface, liquidity disappears, and liquidation cascades turn volatility into systemic failure. Doug Colkitt, a quantitative trader and DeFi builder whose experience spans both traditional finance and crypto market structure. Doug began his career on Wall Street at Citigroup before moving into high-frequency trading at Citadel during the 2008 financial crisis. He later built and traded his own systems across futures, volatility products, and international equities, including running a major market-making operation in Turkish stocks. Today, Doug focuses on crypto and DeFi infrastructure, working with perpetual futures, liquidation mechanics, and exchange design. We discuss why traders still get wiped out when they think they're hedged, how liquidation cascades accelerate, and what recent market failures reveal about leverage and market structure under stress. Links +Resources: Ambient Finance on X (Twitter): @AmbientFinance Website: https://ambient.finance Sponsor of Chat With Traders Podcast: ●       Trade The Pool:  ⁠⁠http://www.tradethepool.com⁠⁠    Time Stamps: Please note: Exact times will vary depending on current ads. 00:00:00  Intro and Background 00:03:43  Starting Individual Trading and High Frequency Systems 00:04:09  Focus on Index Futures and Competitive Markets 00:06:15  Michael Lewis's 'Flash Boys' and HFT Accuracy 00:07:00  Impact of HFT on Smaller Traders 00:09:13  Market Makers and Price Competition 00:09:37  HFT Evolution and Market Dynamics 00:11:24  Trading VIX Futures and Market Inefficiencies 00:13:08  Transitioning to Medium Frequency Trading 00:13:34  Trading Turkish Equities and Market Makings 00:15:35  Exploring Cryptocurrency Trading 00:18:32  Diving into Decentralized Finance (DeFi) 00:20:06  Arbitrage Opportunities in Crypto Markets 00:22:00  Flash Loans and Risk-Free Trading 00:22:48  Adjustments to Trading Bots Over Time 00:25:11  Criteria for Trusting Decentralized Exchanges 00:28:46  Liquidity Providing and Yield Opportunities 00:29:16  Volatility and Risks in Liquidity Provisioning 00:31:47  Understanding Perpetual Contracts in Crypto 00:36:04  October 10, 2025 Crypto Massacre Overview 00:37:36  Leverage and Market Dynamics 00:41:23  Impact of Liquidations on Market Sentiment 00:41:43  Market Maker Behavior During Crises 00:43:45  Liquidity Issues in Centralized Exchanges 00:44:53 Hyper Liquid Vault and Liquidation Dynamics 00:45:55 Market Making Strategies and Risk Management 00:49:15 Insurance Fund Models in DeFi 00:51:43 Ambient Finance Project Overview 00:53:08 Separation of Exchange and Clearinghouse 00:54:14 Innovations in Perpetual Trading 00:55:46 Takeaways from the October 10th Massacre 00:57:03 Future Plans for Insurance Fund Integration 00:58:28 Real World Assets and Crypto Integration Trading Disclaimer:  Trading in the financial markets involves a risk of loss. Podcast episodes and other content produced by Chat With Traders are for informational or educational purposes only and do not constitute trading or investment recommendations or advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving to our American listeners! Join FPC Executive Director and CEO Reed Luhtanen as he goes off the rails with Kyle Caldwell and Keith Melton from The Clearing House. The trio discuss the growth of the RTP Network, instant payments use cases, the new fraud service that TCH is rolling out, and a ton of other stuff.

Real strength isn't flashy. It's earned through quiet discipline over time. The same goes for B2B marketing: sustainable growth comes from strong foundations, not sporadic wins.That's the lesson of Dr. Peter Attia, the longevity expert who reshaped how millions think about health. In this episode, we explore his B2B marketing parallels with the help of our special guest Ashley Sturm, VP of Marketing at Opengear.Together, we uncover what B2B marketers can learn from building strong systems behind every campaign, committing to a long-term content strategy, and meeting audiences where they are with multichannel storytelling.About our guest, Ashley SturmAshley Sturm is VP of Marketing at Opengear. Ashley is a marketing and strategy leader with more than 15 years of experience developing strategic marketing initiatives to increase brand affinity, shape the customer experience, and grow market share. Before joining Opengear, she served as the Vice President of Marketing at Nautilus Data Technologies. Prior to that, she served as the Senior Director of Marketing Brand and Content for NTT Global Data Centers Americas, spearheading marketing efforts to open two out of six data center campuses.Ashley has led global marketing through the startup of Vertiv's Global Data Center Solutions business unit, where she developed the unit's foundational messaging and established global and regional marketing teams. Ashley's career experience includes extensive work with the US Navy through the Clearinghouse for Military Family Readiness as well as broadcast journalism. A graduate of the University of Missouri's School of Journalism, Ashley specializes in journalism and converged media.What B2B Companies Can Learn From Dr. Peter Attia:Focus on strength in the unseen work. Just like Dr. Attia emphasizes strength in the eccentric phase of movement (the part no one sees), Ashley connects that to B2B marketing fundamentals. Campaigns fail when the foundation is weak. As she puts it: “[It's] not just the big flashy campaigns or the launches, it's about the control, the discipline, and the structure behind them.” By investing in process, frameworks, and messaging systems, brands build resilience and long-term performance. The lesson: don't obsess over launch day, obsess over what holds it all together.Commit to the slow burn strategy. Dr. Attia didn't explode overnight. He showed up for years through podcasts, long-form content, and thought leadership before publishing his book, Outlive: The Science and Art of Longevity. Ashley calls out the power of consistency over time, saying: “He committed to the slow burn… we're in this for the long haul.” In B2B, that translates to sticking with a point of view, consistently educating your market, and building credibility brick by brick. Thought leadership is earned, not launched, and trust compounds for brands that stay the course.Meet people on their terms. Dr. Attia doesn't rely on one channel or format. He scales his ideas across podcasts, books, YouTube tutorials, social clips, and deep science blogs. Ashley ties that directly to B2B content strategy: “Where are they gonna be? How do they wanna consume it? Let's make sure we've morphed the content to fit that medium.” Your buyers consume differently at different moments. Repurpose one core message into channel-native formats to reach them everywhere they are, not where you wish they were.Quote“Strength is built in the parts we sometimes overlook — the details, the structure, the lowering motion — that's where you build resilience. Whether in health or in business.”Time Stamps[00:55] Meet Ashley Sturm, VP of Marketing at Opengear[01:12] Why Dr. Peter Attia?[04:02] Role of VP of Marketing at Opengear[05:03] Deep Dive into Dr. Peter Attia's Work[11:23] B2B Marketing Lessons from Dr. Peter Attia[39:48] Building Authentic Content Strategies[45:57] Advice for Marketing Leaders[48:35] Final Thoughts and TakeawaysLinksConnect with Ashley on LinkedInLearn more about OpengearAbout Remarkable!Remarkable! is created by the team at Caspian Studios, the premier B2B Podcast-as-a-Service company. Caspian creates both nonfiction and fiction series for B2B companies. If you want a fiction series check out our new offering - The Business Thriller - Hollywood style storytelling for B2B. Learn more at CaspianStudios.com. In today's episode, you heard from Ian Faison (CEO of Caspian Studios) and Meredith Gooderham (Head of Production). Remarkable was produced this week by Jess Avellino, mixed by Scott Goodrich, and our theme song is “Solomon” by FALAK. Create something remarkable. Rise above the noise. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Money doesn't just move; it travels across rules, rails, and risk decisions that either create trust or destroy it. In the first of three episodes, we sit down with Sal Karakaplan, Chief Strategy Officer at The Clearing House, to explore how a century-old operator keeps reinventing the core of U.S. payments while shipping modern capabilities at scale. From instant settlement to tokenized data, this is a close look at what it takes to wire an economy for speed without sacrificing safety.We start with the foundation: what TCH runs under the hood - RTP, CHIPS, EPN, and check image exchange - and why reliability and advocacy both matter when you're operating the plumbing. Sal opens the strategy playbook: scan market trends, pick where to build, buy, or partner, and relentlessly prioritize use cases that create measurable customer value. That lens frames a practical take on open banking, where market innovation and regulation advance in parallel. Expect straight talk on security, DDA tokenization, liability clarity, and user consent that's simple for people and robust for compliance.RTP steps into focus with concrete momentum: growing daily volumes, expanding bank enablement, and use cases that resonate; account-to-account funding, B2C disbursements, merchant settlement, insurance payouts, and early wage access. We get real about adoption hurdles in a fragmented banking market and how to make the business case stack up. Beyond speed, the conversation highlights ISO 20022 and data-rich messages that reduce reconciliation friction and sharpen risk controls - critical for CFOs, treasurers, and operations leaders chasing working capital gains.Then we tackle stablecoins with a bottom-up filter: where do they outperform existing rails? Cross-border stands out, from remittances to marketplace payouts, alongside emerging hypotheses in tokenized settlement. Sal lays out the next 3–5 years: push RTP to ubiquity, evaluate DLT and tokenized deposits with discipline, lean into AI for commerce and fraud defense, and elevate security and data as first-class features. It's a pragmatic roadmap for banks, fintechs, and enterprises that want real outcomes, not buzzwords.

Recorded live from the PayTech Women Leadership Summit in Atlanta, we bring you a rapid, energizing tour of leadership lessons from executives, board members, and rising voices shaping the future of payments and fintech. A special thanks to our episode sponsor Global Payments. Across crisp conversations, a common theme emerges: community multiplies competence. You'll hear how curiosity fuels influence, why relationships beat résumés, and how owning your personal banner outlasts any company logo.Chrissy Wagner (FIS) opens with a hard truth many leaders overlook—self care is strategy. When your cup is full, you lead with clarity and generosity. Margaret Weichert draws on three decades across Bank of America, First Data, Accenture, EY, and The Clearing House to champion curiosity as a daily practice: learn the tech, the processes, and the business context so every presentation connects to customer value and shareholder outcomes. That framing travels across product, risk, and operations, especially as rails evolve and real-time becomes table stakes.Relationship building gets tactical with Rebecca Walden (Corvia), who shares how to deepen ties beyond LinkedIn: Zoom coffees, thoughtful introductions, timely articles, and in-person meetups that convert weak ties into trusted allies. Executive coach Cynthia Knowles underscores investing in purpose and skills, noting that the summit creates rare neutral ground where fierce competitors become generous collaborators. Melissa Desjardins (Protiviti) offers a powerful structure—build a personal board of directors who challenge your assumptions and push you to take bold steps, then return the favor for others.From the talent pipeline, Laura Gibson Lamothe (Georgia FinTech Academy) shows how belonging accelerates careers, especially for those who haven't always seen themselves reflected in leadership. Kathy Kmiotek urges leaders to own their personal banner—your story, your value proposition—through every career shift. And Naomi Donaldson (FISERV) connects the dots across industry change, from cash and checks to crypto, stablecoins, and agentic commerce, while navigating the realities of growth, family, and leadership on a shared stage with industry rivals.If you care about payments innovation, career momentum, or simply leading with purpose in a competitive market, this conversation delivers practical, repeatable moves you can use today. 

Today's story: Publishers Clearing House made its name by offering magazine subscriptions through the mail—along with the chance to win big prizes. The lure of big winnings helped the company sell millions of subscriptions. Some winners received $5,000 a week for life. But the company recently declared bankruptcy, and the "lifetime" payments stopped.Transcript & Exercises: https://plainenglish.com/816Full lesson: https://plainenglish.com/816 --Upgrade all your skills in English: Plain English is the best current-events podcast for learning English.You might be learning English to improve your career, enjoy music and movies, connect with family abroad, or even prepare for an international move. Whatever your reason, we'll help you achieve your goals in English.How it works: Listen to a new story every Monday and Thursday. They're all about current events, trending topics, and what's going on in the world. Get exposure to new words and ideas that you otherwise might not have heard in English.The audio moves at a speed that's right for intermediate English learners: just a little slower than full native speed. You'll improve your English listening, learn new words, and have fun thinking in English.--Did you like this episode? You'll love the full Plain English experience. Join today and unlock the fast (native-speed) version of this episode, translations in the transcripts, how-to video lessons, live conversation calls, and more. Tap/click: PlainEnglish.com/joinHere's where else you can find us: Instagram | YouTube | WhatsApp | EmailMentioned in this episode:Hard words? No problemNever be confused by difficult words in Plain English again! See translations of the hardest words and phrases from English to your language. Each episode transcript includes built-in translations into Spanish, Portuguese, Chinese, German, French, Italian, Japanese, Polish, and Turkish. Sign up for a free 14-day trial at PlainEnglish.com

Dr. Daniel Perkins and Dr. Jennifer Karre discuss the importance of policy in supporting military-connected students and families.  Listen as they examine the implementation of four policy initiatives: Advance Enrollment (AE), the Military Interstate Children's Compact Commission (MIC3), the Military Student Identifier (MSI), and the Purple Star School program.   This podcast is made possible by generous funding from the West Point Spouses' Club.  To learn more, visit https://westpointspousesclub.org/.   Audio mixing by Concentus Media, Inc., Temple, Texas.   Show Notes: Resources:   Clearinghouse for Military Family Readiness https://militaryfamilies.psu.edu/   Evaluation of State Implementation of Supportive Policies to Improve Educational Experiences and Achievement for K-12 Military Children https://militaryfamilies.psu.edu/projects/view/speak-military-children/   Military Interstate Children's Compact Commission https://mic3.net   Military Student Identifier https://militarychild.org/wp-content/uploads/2025/01/2025-104-MSI-Position-Statement_20250103-1.pdf   Military Child Education Coalition https://www.militarychild.org   Bio: Daniel F. Perkins, Ph.D., is a Professor of Family and Youth Resiliency and Policy at Penn State University and also the Director and Principal Scientist of the Clearinghouse for Military Family Readiness at Penn State, a university-wide applied research center.  Dr. Perkins has been designing and evaluating strengths-based family and youth development programs in 4-H and Cooperative Extension and leading complex projects for over 25 years. His work involves teaching, research, and outreach through the Penn State Cooperative Extension Service. One of his primary areas of focus is in fostering the well-being of military service members, veterans, and their families through the Clearinghouse. In his role as Principal Scientist, he is able to facilitate the translation of science into action by providing comprehensive, science-based programs and technical assistance to professionals working with military service members, veterans and their families.     Jennifer Karre, Ph.D. is a Research & Evaluation Scientist at the Clearinghouse for Military Family Readiness at Penn State. Her Ph.D. is in Developmental Psychology. For over a decade, her role at the Clearinghouse has centered around program and policy evaluation. She has worked on evaluations of programs and policies for Service Members and their families related to fathering, parenting, child and youth development, child and youth educational support, couple relationships, reintegration after deployment, financial readiness, and emergency preparedness. 

In this episode of Energy Newsbeat – Conversations in Energy, Stu Turley, host, welcomes Joe Raia, Chief Commercial Officer at Abaxx Exchange, to discuss how Abaxx is revolutionizing global commodity futures trading. From physically deliverable LNG and critical mineral contracts to pioneering gold vaulting in Singapore, Raia outlines how Abaxx is bringing much-needed innovation, transparency, and risk management to underserved markets. They also dive into shifting global trade blocs, the need for dollar-based lithium pricing, and how new technology and infrastructure investment are reshaping the future of energy and commodity finance.I thoroughly enjoyed my visit with Joe, and discovering what Abaxx Commodities Exchange can do for national security and global market trade is huge. I look forward to more interviews with Joe, and I would like to have him join a panel discussion with Doomberg in the future to cover global financial markets. Joe, thank you for your time, leadership, and for stopping by the podcast, Stu Check out Abaxx Exchange here: https://abaxx.exchange/Connect with Joe Raia on LinkedIn here: https://www.linkedin.com/in/joe-raia-4982a417/Highlights of the Podcast 00:00 – Intro00:50 – What is Abaxx?01:41 – The LNG Market Problem03:50 – Abaxx's Physically Deliverable Contracts05:06 – Missed Risk Tools in Europe06:00 – Clearinghouse & Regulation07:05 – Critical Minerals Contracts08:32 – The Role of Tariffs & Re-Shoring10:03 – Surviving Regulation11:40 – Gold Futures Breakthrough in Asia12:59 – The Rise of New Trading Blocs14:54 – Impact of EU's Energy Policy16:04 – The “Three Horsemen” of Energy17:04 – LNG Margins & Export Growth18:13 – Molecule Demand & Natural Gas18:49 – LNG to Electricity Opportunities19:17 – US LNG Momentum Continues19:22 – What's Coming in Q1 2026?20:42 – How to Connect with Abaxx21:04 – Wrap-up & Final ThoughtsFull Transcript: https://theenergynewsbeat.substack.com/or https://energynewsbeat.co/

Cheryl Gurz Product Manager with RTP at The Clearing House in this episode is explaining the key functionality of RTP and the backend.Here are the key takeaways from the interview:TCH basically works to recoup the losses - they are not for profit.Zelle does instant clearing but not settlement, while RTP is the first network in the US where clearing and settlement are done together on the good funds model.Majority of payments are executed in 3.5 seconds.5 million of RFPs were processed last year (2024)."pending issue" is there because of the batch posting by banks. They post the transaction at the end of the day, the available balance will change.Pricing - TCH is charging $0.045 per credit but your bank can charge as much as they want to.43% of the RTP payments are made after the standard banking hours.The banks that are on the RTP network have to make the funds in the credit transaction within 5 seconds 24/7. "You don't need to know how the payment is made"Meet us at AFP, booth #618!!!Cheryl's LinkedIn: https://www.linkedin.com/in/cheryl-gurz-0871287/As always, check out my Substack and specifically my post about Requests for Payments.Find RFP documentation here: https://drive.google.com/file/d/1vUGD14WbFvVB5iy7Zy9QcnIYKLr-riIM/view?usp=sharing

Sarah went gay line-dancing, which is like regular line-dancing, but awesome! And now she's hooked. We discuss the Lilith Fair documentary, how the festival compares to Woodstock 99, why women should run more stuff, and why we have a lot of concerts to go to now. We learn about three nuns who broke out of their retirement home and returned to their convent, and the Vatican is not pleased. Hear why Ed McMahon's Publisher's Clearinghouse winners are getting screwed, and now they're going broke despite being lottery winners. We discuss the viral Karen baseball incident, why old people need to can it, and why one of our friends has a crazy hot take about it. Plus, a lot of colleges are now allowing students to bring their pets into the dorms, and Sarah thinks it is a very bad idea.Brain Candy Podcast Presents: Susie & Sarah's SpOoOoOoOoktacular Spectacle, October 30, Oriental Theater, Denver, Colorado: Get your tickets! Brain Candy Podcast Website - https://thebraincandypodcast.com/Brain Candy Podcast Book Recommendations - https://thebraincandypodcast.com/books/Brain Candy Podcast Merchandise - https://thebraincandypodcast.com/candy-store/Brain Candy Podcast Candy Club - https://thebraincandypodcast.com/product/candy-club/Brain Candy Podcast Sponsor Codes - https://thebraincandypodcast.com/support-us/Brain Candy Podcast Social Media & Platforms:Brain Candy Podcast LIVE Interactive Trivia Nights - https://www.youtube.com/@BrainCandyPodcast/streamsBrain Candy Podcast Instagram: https://www.instagram.com/braincandypodcastHost Susie Meister Instagram: https://www.instagram.com/susiemeisterHost Sarah Rice Instagram: https://www.instagram.com/imsarahriceBrain Candy Podcast on X: https://www.x.com/braincandypodBrain Candy Podcast Patreon: https://www.patreon.com/braincandy (JOIN FREE - TONS OF REALITY TV CONTENT)Brain Candy Podcast Sponsors, partnerships, & Products that we love:Get $10 off your first month's subscription and free shipping when you go to https://nutrafol.com and enter the promo code BRAINCANDYThis episode is sponsored by BetterHelp. Get 10% off your first month at https://www.betterhelp.com/braincandyGet 25% off your first month of Ritual when you visit https://ritual.com/braincandy & add Essential Protein today.Save 20% Off Honeylove by going to https://www.honeylove.com/braincandy #honeylovepodSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Publishers Clearing House declared bankruptcy recently and stopped payments to some of its previous winners; the company that bought PCH out of bankruptcy says it will continue in business and take steps to protect future winners to make sure they get paid regardless of what happens in the future. https://www.lehtoslaw.com

Hello and welcome to episode 115 of the Still Spinning Podcast. Fall is officially here everyone! You can watch the live taping most Mondays at 7 PM on Facebook, YouTube or Instagram OR wait until the official podcast release on Wednesday morning. Visit your usual podcast subscription service to add us to your list. Visit our website for more details on becoming a sponsor and buying merch. All of this at stillspinningpodcast.com. If you are Gen X or older, you likely remember the days where the name Publisher's Clearing House brought a level of excitement to your being. Dan has always wondered how they made money and apparently he was right to question that as PCH has officially declared bankruptcy. That means that people that won “for life” are no longer winners. Nicole and Dan talk about what that means for folks, magazines past and current and poor money management.  Another cruise ship horror story (should they make this a regular feature of the podcast?)! A passenger on a cruise ship got STUCK IN A WATERSLIDE that was hanging over open water. No official word on the reason (did the waterslide malfunction? Was the passenger too big for the ride?) but the horror of the situation is the same.  And finally a topic that really takes the team into the toilet. Literally. In China, there are certain public toilets that require you to view and ad before it will dispense toilet paper and Dan guarantees this will come to the US some day. This topic is a real spiral and we learn way more about the team's bathroom habits than you likely want. But it is pretty funny.  All of this and more on this week's episode!

Ever wonder why keyboards seem random rather than in alphabetical order? Hint: it wasn't done to help you type quicker. For 70 years, Publishers Clearing House knocked on the door of an unsuspecting winner and presented them with a giant cardboard check, granting them monthly payments for the rest of their lives. Things have changed. Sources:https://www.cnn.com/2025/09/16/business/publishers-clearing-house-bankruptcy-winners-lose-prizeshttps://www.smithsonianmag.com/history/the-qwerty-keyboard-will-never-die-where-did-the-150-year-old-design-come-from-49863249/http://www.commutethepodcast.comFollow Commute:Instagram - instagram.com/commutethepodcast/Twitter - @PodcastCommuteFacebook - facebook.com/commutethepodcast

ICYMI: Hour Two of ‘Later, with Mo'Kelly' Presents – ‘Wellness Wednesday' with wife, mother, fitness expert, masterful storyteller & regular guest contributor Claudine Cooper AKA ‘The Nice Exercise Lady' weighing in on Pilates and Yoga elitists claims that Gyms have watered down both exercise systems…PLUS – Thoughts on Publisher's Clearing House filing bankruptcy and NOT “honoring payouts for those who won before July 15th of 2025 - on KFI AM 640…Live everywhere on the iHeartRadio app & YouTube @MrMoKelly

Publisher's Clearing House filed for bankruptcy and what that means for some of their winners. Deploying the National Guard.  

Zombie Ass: Toilet of the Dead. Charlie, and his friends, once boogie boarded in a flooded parking lot. Prime Vision uses augmented reality during broadcast of sports games. Offsides. JLR apartment hunting. Hot girls for Luigi Mangione. Revolution in Europe. Kissing bug disease. Publisher's Clearing House filed for bankruptcy and what that means for some of their winners. Deploying the National Guard. Duji was showing her dying cat on a show video call. The text thread between Tyler Robinson and their transgender furry roommate. Charlie doesn't believe the validity of the text.

Publisher's Clearing House filed for bankruptcy and what that means for some of their winners. Deploying the National Guard.  See omnystudio.com/listener for privacy information.

Zombie Ass: Toilet of the Dead. Charlie, and his friends, once boogie boarded in a flooded parking lot. Prime Vision uses augmented reality during broadcast of sports games. Offsides. JLR apartment hunting. Hot girls for Luigi Mangione. Revolution in Europe. Kissing bug disease. Publisher's Clearing House filed for bankruptcy and what that means for some of their winners. Deploying the National Guard. Duji was showing her dying cat on a show video call. The text thread between Tyler Robinson and their transgender furry roommate. Charlie doesn't believe the validity of the text. See omnystudio.com/listener for privacy information.

We got to the top for Project Down and Dirty clues, DIRT ALERT: RIP Robert Redford, some Amy Grant love and "GBBO" thoughts, and Publisher's Clearing House dramaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Publisher's Clearinghouse went bankrupt!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Burnie and Ashley discuss the Duolingo takeover, the Apple awe dropping event, Lemmings & Brontosauruses, under-using technology, being one number away from a billion dollars, Publisher's Clearing House, Russia's crypto conspiracy for US debt, and the line between fetish and fraud.

The HOBI Gang is getting in the swing of things as Jim is finally back full time on the podcast! The gang is talking how Sunday was a bad day for NFL kickers, a Hulk-sized Ewok is on the rampage, Christian Bale is the Good Guy of the Week, and Jason gives love to Frank Grillo! Plus the guys will never win the Publisher's Clearing House, the newest Conjuring breaks records but Caught Stealing did not and list the Top Five Superheroes that Should Retire! This episode is sponsored by the Cincinnati Comic Expo.

Dave and Chuck the Freak talk about Wonderful Weirdos Day, reusable incontinence boxers for men, emailer went to a movie and asked girl to buy her socks, most expensive thing people buy that they never use, 71-year-old hits big at casino and gets robbed, 88-year-old man injured during jewelry store smash and grab, man realized he was duped into buying fake Rolex, inmate hanging out of Deputy of Corrections van crying out for help, deputy rescued after semi crashed and pinned him to guard rail, kids rescued from hole that filled in water, man gets experimental pig organ transplant, Dave saw car with middle fingers on back window, NFL planting undercover cops at games, Shaq helps young wrestler, guy seen jerking at Korn and System of a Down concert, Charlie Sheen went hunting for Nessie, Sopranos actress goes fully nude on OnlyFans, music can help alleviate motion sickness, Lil Jon came in 3rd place at beach fitness competition, couple caught having sex on public beach, old guy sprayed guy at grocery store with bug spray, YouTuber raised money for struggling man who’s then robbed, guy found living in condo crawl space, former soccer player sent woman to hospital because of his big dong, fashion brand turning panties into hair ties, shop where you can test out sex toys before you buy them, dog extinguished a stick of lit dynamite, man pulled gun during road rage incident with student driver, valet takes customer’s car for joy ride, woman’s encounter with 8ft gator, guy wins Publisher’s Clearing House and checks stop when bankruptcy filed, most expensive house in US, KFC jelly beans, and more!

Join Eric, @TimAndrewsHere, @Autopritts, @JaredYamamoto, Greg, and George LIVE on 95.5 WSB from 3pm-7pm as they chat about the amazing weekend of football, the screwing of Publisher's Clearing House winners, the Atlanta Streetcar shutdown, and so much more! *New episodes of our sister shows: The Popcast with Tim Andrews and The Nightcap with Jared Yamamoto are available as well!

Full show - Monday | Useless thing in your head | News or Nope - JonBenét Ramsey, Fyre Festival, and Publisher's Clearing House | Will Erin let us read her diary? | OPP - I hate how my ex is coparenting | The Diary - Day 45 | Was the Phillies Karen actually in the wrong? | Something is wrong with T. Hack | Occasional Diddy Dirt | Stupid stories www.instagram.com/theslackershow www.instagram.com/ericasheaaa www.instagram.com/thackiswack www.instagram.com/radioerin

These are the headlines you NEED to know about!

Publishers Clearing House has cut off payments to some of its winners because they entered bankruptcy. https://www.lehtoslaw.com

4pm: Guest – Charles Prestrud – Director of the Cole center for Transportations at The Washington Policy Center // Charles has more than thirty years of transportation experience, including serving as WSDOT’s planning manager for King and Snohomish Counties. // Seattle mayor ruffles feathers over $30B Sound Transit budget woes, priorities // Hot mic picks up Putin and Xi discussing organ transplants and immortality // Bryan Johnson: How I Made Myself Younger // Oregonian won '$5,000 a week, forever!' from Publishers Clearing House. Then the company went bankrupt

Hour three of A&G features... Jack's frustration with the way in which history is taught at his son's school... What happened to the sweepstakes winners after Publisher's Clearinghouse went BK... Portland Oregon is in the toilet... The New Maps! See omnystudio.com/listener for privacy information.

TWS News 1: William Wants Breakfast – 00:26 Home Depot Prayer Lady – 3:21 TWS News 2: DWTS Season 34 Cast – 8:40 Deserving a Better Tip – 12:20 GenZ Military Alphabet – 17:48 TWS News 3: Publisher’s Clearing House – 20:02 ChatGPT Jobs – 23:34 5 Second Game – 29:02 Rock Report: DENzel Washington – 35:21 5 Word Spiritual Advice – 37:49 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies

A man in Oregon won a Publisher's Clearing House sweepstakes back in 2012 that would pay him $5,000 a week forever, but now that's no more as PCH has gone bankrupt. See omnystudio.com/listener for privacy information.

We say goodbye to PCH.

Rod, Mo, Alex, and Chile talk about Publisher's Clearing House not paying out winners anymore, play another round of The Read My Lips Game. and do the championship game of The Suburb Summer Sizzler.

Today on the Woody and Wilcox Show: Video of Woody and his cargo pants; Publisher's Clearinghouse is bankrupt; Dancing With the Stars announces the cast of the new season; Chelsea's son's birthday request is to stay at a hotel with a hot tub; Grandparent picks up the wrong child from daycare; And more!

Good luck with that! Plus AOL dial-up service comes to a close, Publisher's Clearing House leaves sweepstakes winners in the lurch, Taylor Swift inspired taxes, ICE recruitment and a Fed governor called to resign.

Well, it did not take long for the College Sports Commission's "NIL Go" clearinghouse to make waves. According to the director of Utah State's collective, Dalton Forsythe, "nearly 100 percent of collective-backed NIL deals are being denied, regardless of size or structure. The College Sports Commission has taken the position that collectives cannot serve a 'valid business purpose' — a standard that was never clearly communicated before implementation." On today's show, Jonah Booker and Dave Biddle discuss this situation and what might be coming down the pike. If an athlete's NIL deal is rejected -- and he challenges that ruling in a court of law -- the athlete would likely prevail, right? Or does the House settlement actually have teeth, allowing the clearinghouse to reject any and all deals from collectives? We also discuss how much Ohio State will miss Will Howard this season at quarterback -- particularly his ability in the RPO game and his leadership -- and much more. That is coming your way on the Friday 5ish. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices