Podcasts about deposits

ChangeNOW's Martin Masser joins us to break down whether banks are already too late to crypto, as stablecoin issuers become banks, Wall Street builds tokenized deposit networks, and SWIFT tests its own blockchain ledger. We dig into the OCC trust charters, bank stablecoin consortiums, and who ends up owning the rails.~This episode is sponsored by ChangeNOW~Use ChangeNOW Crypto➜ https://bit.ly/ChangeNOWpbnGuest: Martin Masser, Director of Strategic Partnerships at ChangeNOWX Account: https://x.com/ChangeNOW00:00 Intro00:10 Crypto Super App01:15 Advise to crypto curious banks02:40 Why banks are looking at crypto infrastructure now?04:10 One in Three people?05:40 Neobanks vs Legacy banks06:20 Will a bank consortium coin be a success?09:00 Are crypto companies becoming banks faster than banks?10:00 ChangeNOW Custody Treasury11:30 Impact when the largest stablecoin issuer becomes a bank?13:20 Banks becoming crypto companies?14:10 Robinhood transition to becoming a bank?15:35 Vaults are “too early”?17:30 SWIFT: “Within 10min”20:00 AI Agent bank adoption happening?24:00 Terry Duffy already winning in policy realm26:15 Hong Kong = Red Coin28:00 ChaneNOW Roadmap#crypto #Banks #Ethereum~Are Banks Already Too Late?

Send a message directly to Lee ( Include your details )Deposits, trust accounts, and settlement tech sound boring right up until someone's money goes missing. We sit down with real estate lawyer Greg Jemmeson to unpack what's actually changing in the NSW settlement process as the industry shifts further into digital conveyancing, AI-enabled workflows, and third-party platforms that want to hold deposits as stakeholders.We talk through the real risks behind the headlines: hacking, fraud, and misdirected funds in high-pressure financial transactions. Greg explains why Fidelity Fund coverage matters, what protections exist when money is held in a regulated trust account, and why the question of “who holds the deposit” is now the centre of so many heated conversations. We also revisit the lessons from PEXA: early resistance, real benefits, and the need to separate fear from practical compliance.The key detail is contractual: a third-party deposit holder can be compliant when there's a clear, compliant special condition in the contract that all parties agree to at exchange. We dig into what that clause is doing, what happens if a vendor's solicitor refuses to include it, and why funds can't be released without proper authority or, in a dispute, a court order. Greg also clears up a common misconception about AML checks: using a third party doesn't remove the agent's AML obligation; it just changes how the work gets done.If you care about safer settlements, clearer contracts, and reducing agency risk without guessing your way through compliance, you'll get a lot out of this chat. Subscribe, share this with an agent or conveyancer, and leave a review telling us who you think should hold the deposit and why.Hosted by Lee Woodward Training SystemsBrought to you by The Agency Portal 

As the detailing market shifts, how can shop owners protect their schedules, make their services feel more valuable, and work more efficiently? Marshall and Nick discuss practical ways to adapt—from using deposits to confirm appointments to building higher-value packages and tightening up everyday processes.They also answer listener questions about post-correction washes, caring for matte paint, and cleaning a mud-covered side-by-side with less scrubbing. Whether you run a detailing business or care for your own vehicles, this episode is full of real-world tips for better systems and smarter results.Chapters00:00 — Fall talk and the “scariest” detailer scenario03:15 — Handling surprise messes and customer expectations04:07 — Better phone questions, estimates, and when to walk away09:31 — Deposits and taking the uncertainty out of scheduling16:13 — Adding Stack to packages and raising perceived value25:42 — Responding to a slowdown and adapting your business33:24 — Improving detailing processes to save time38:11 — Color-coded towels and keeping work organized44:05 — Post-correction washing and coating prep54:49 — Safely approaching spots on matte paint58:52 — Cleaning a muddy side-by-side with less hand washing61:09 — Why protecting the vehicle beforehand makes cleanup easier

Keeping Deposits Home Tokenized Deposits, the BankChain Alliance, and the Case for Banks Owning the Rails Last month on This Month in Banking, Alice Frazier, President & CEO of Potomac Bank and ICBA Chair, walked us through what the GENIUS and CLARITY Acts could mean for community bank deposits as stablecoins move into the mainstream. This month we pick up right where that conversation left off — with the industry's answer. Our guest is Kathy Kraninger, Interim Chair of the BankChain Alliance and President & CEO of the Florida Bankers Association, who previously served as Director of the Consumer Financial Protection Bureau. In August, 39 state bankers associations announced the formation of the Alliance: an industry-owned, industry-designed and industry-governed network built on a common blockchain platform, targeting a 2027 launch and supporting tokenized deposits, bank-issued stablecoins, smart payment tools, and automated settlement. Kathy explains what a tokenized deposit actually is and how it differs from a stablecoin — it stays a deposit, a direct claim on the bank, FDIC-insured, potentially interest-bearing, and on the bank's balance sheet where it can fund local lending. She also makes the case for why scale and shared ownership matter: by joining forces, the state associations give a community bank in a rural market a practical path to participate in new financial technology alongside thousands of institutions of every size, rather than waiting on a core provider or going it alone. We close on what community bankers should actually do between now and 2027 — what to tell their boards, what to tell their customers, and why, as Kathy puts it, this is about banks of all sizes building their own future.

Get more at PatRigsby.com Playing the Long Game in Your Fitness Business Most gym owners want results now. More leads. More members. More revenue. More sales. But building a truly durable fitness business requires something that is increasingly rare: patience. In this episode, Pat Rigsby explains why playing the long game has been one of his greatest advantages in business—and why gym owners should think beyond today's transaction. In This Episode The lesson Pat learned from college baseball Recruiting isn't about meeting a player once and immediately asking them to commit. It's about identifying the right people, building a relationship, following up, creating opportunities to connect, and determining whether there's a good fit. Pat explains how that same process applies directly to marketing and sales in the fitness industry. Marketing isn't always about immediate conversion A common mistake is expecting someone who sees your gym's ad today to immediately join. Pat explains why bigger commitments require more discovery, trust, and consideration. Stop thinking "closing" and start thinking "opening" A sale shouldn't be viewed as the end of the relationship. It's the beginning of one. The goal isn't simply to get someone to buy. It's to create the foundation for a long-term relationship with a client who believes your gym is the right fit. Why consistent follow-up matters Pat shares that he's sent a daily email newsletter for more than 20 years—and some of his best clients consumed his content for years before ever having a direct conversation with him. That patience allowed prospects to research, learn, build trust, and eventually make an informed decision. The best clients aren't always the fastest buyers Desperation purchases and impulse decisions aren't necessarily the foundation for great long-term relationships. The people who take their time, do their homework, and determine that you're the right fit can become some of your most valuable clients. Don't burn bridges Pat shares lessons from college baseball about maintaining relationships even when someone doesn't choose you. A prospect who doesn't join your gym today may become a client next year. A coach who doesn't work with you today may become a valuable connection in the future. A former client may eventually come back. Every relationship has a future you can't necessarily see today. Make relationship deposits One of the biggest ideas in this episode is simple: Every interaction is an opportunity to make a relationship deposit. Be valuable. Help people. Treat prospects well. Take care of your clients. Don't leave scorched earth behind when someone leaves. Those deposits can eventually turn into referrals, strategic partnerships, speaking opportunities, new clients, returning members, and other opportunities. Think beyond this month Pat challenges gym owners and fitness entrepreneurs to ask a different question: Instead of asking, "What can I get out of this right now?" Ask: "Where do I ultimately want this to lead?" That shift can change how you approach marketing, sales, leadership, client retention, networking, and business growth. Key Takeaways for Gym Owners Don't expect every lead to convert immediately. Build trust before asking for a major commitment. Follow up consistently without becoming desperate or pushy. Think of sales as the beginning of a relationship—not the end. Treat every prospect and client interaction as a relationship deposit. Don't burn bridges when someone leaves your gym. Continue providing value even when someone isn't ready to buy. Build relationships that can create opportunities years from now. Don't let short-term pressure dictate every business decision. Think about the business and legacy you want to build long-term. The Big Idea The gym owners who build something lasting aren't necessarily the ones who get the fastest result. They're the ones willing to consistently do the right things long enough for those efforts to compound. Play the long game.

Nathan McCauley says most banks don't actually know how much money is in their own accounts until the end of the day, and he explains why tokenized deposits are quietly fixing that. The Anchorage Digital co-founder breaks down why losing the Clarity Act isn't the setback people think, walks through Anchorage's three-part product stack for bringing banks on chain, and lays out who he thinks wins the tokenization supercycle.Nathan McCauley is Co-Founder of Anchorage Digital, one of the first federally chartered digital asset banks in the United States.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.00:00 Intro02:14 First Federally Chartered Digital Asset Bank04:09 Genius Act Already Unlocked The Banks06:13 Securities Law Rolled Out Over A Decade08:14 Tokenized Deposits Running Parallel To Legacy Rails10:33 No Hard Cutoff Date For Banks 12:44 Bitcoin Collateral Inside Existing Bank Systems14:55 Repo Market Goes Onchain Collateral Mobility18:29 Old System And New System Run Side By Side20:57 NYSE London Stock Exchange Nasdaq Moving To 203523:20 Which Chain Wins The Settlement RaceGuest Socials:Nathan X: https://x.com/nathanmccauleyAnchorage X: https://x.com/AnchorageAnchorage Website: https://www.anchorage.com/Partners: If you run concentrated liquidity positions you know the grind. Price moves, you're out of range, you're rebalancing at, like, 3am. 1inch Aqua lets you take a different approach. You can stack multiple positions on the same token balance instead of babysitting a dozen pools, and your tokens never leave your wallet. Your liquidity stays awake, so you can catch up on your sleep. Check it out at https://1inch.com/aqua---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Space and Time is providing verifiable data infrastructure for onchain finance. A decentralized database, blockchain indexer, and ZK coprocessor in one, giving DeFi protocols,stablecoins, and tokenized assets accurate, provable data. ---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---

A Mediocre Time with Tom & Dan: Episode Notes Episode: "69 Come Sticks" (#894) Hosts: Tom Vann, Dan Dennis | Guest: Ross McCoy (comedian, The Orlando Talk Show) Sponsors / Ad Reads Bart the Realtor / The Bart Marek Team: Opened with a host doing a "cool dude" character, then Bart called in. He said Central Florida real estate is having a rough, locked-up year because 30-year rates are near 7.25%. Cash buyers have the edge, and homes that have sat for a month or more have room to negotiate. His team is also doing a lot of estate, job-loss, and divorce sales. barttherealtor.com has cell numbers for Bart Marek and Crystal Vann. Bart has been a gold star sponsor for nearly 15 years. Seaz Nuts 2027 Tom & Dan Cruise: On the MSC Seashore out of Port Canaveral, with stops in Nassau and Ocean Cay. Interior staterooms start at $1,200 for two and include Wi-Fi, in-room breakfast, and a premium drink package (15 drinks a day). There will be a live broadcast and the Mediocre Idol karaoke contest. Deposits at tomanddancruise2027.com. Injured On The Go / Just Call Moe (justcallmoe.com): Studio sponsor, also named as a cruise sponsor. Trail of Terror "Sweet 16": At Peghorn Nature Preserve in St. Cloud, six dates only. Tickets are $15 in advance or $20 at the door, via the zombie girl link on TomandDan.com. Supported by Experience Kissimmee and Orlando Health St. Cloud Hospital. Modern Plumbing Industries (modernpi.com): Mention Tom & Dan for 10% off. The read included a listener story about a sewer backup coming up a shower drain. They cover all Central Florida counties, residential and industrial, including cast iron pipe relining. My Eternal Vitality (myeternalvitality.com): A quick drop-in plug during the Method Man TRT joke. Cruise sponsors: justcallmoe.com, Empire Spot Fireworks, Celery City Craft, Villain Coffee / Villain Roasters. Segment Rundown Cold open: cool dude character. The Bart ad read was framed around a revived "cool dude" character that Bart likes. Afterward the hosts argued over how to sign off after a sponsor read. Cruise update: $20 bump. Dan debuted a new "Yachty" sound effect. The first block of balcony cabins sold out, and Tony from Ahoy Cruises got a second block at $20 more, which he was angry about for the listeners' sake. Inside cabins are still at the original price, but another block could cost more. Deposits are fully refundable until a couple of months before sailing. The hosts mocked anyone who cancels. Falcons and Garth tonight. Tom was still wound up after the Falcons game, where a rough first quarter gave way to a strong performance. Moe DeWitt invited the crew, Ross included, to the Garth Brooks show at the Kia Center that night. They joked about how many people dropped out before Tom and Dan got invited, and guessed Buzz Stecker would skip it. Crystal had been playing Garth's greatest hits on Amazon Music (the audio quality got panned), and a host's daughter caught him in "Garth mode." Favorites included "Callin' Baton Rouge" and "Friends in Low Places." Billionaire musicians quiz. A report that Garth considered selling his catalog, valued around $2 billion, led into a guessing game about the six billionaire musicians. The crew landed Jay-Z, Beyonce, Paul McCartney, Taylor Swift, and Rihanna. Rihanna got an asterisk because most of her money comes from her cosmetics line. Ross also floated "A billion is a lot" as a T-shirt. Chris Gaines deep dive. Dan went down the Chris Gaines rabbit hole: Gaines was written as a fictional Australian rock star from Brisbane, with a made-up back catalog. The album was meant to set up a movie called The Lamb, a thriller about a fan trying to prove Gaines was murdered. The character was written as a sex addict, and Garth would have needed an Australian accent. The album sold about 2 million copies and became Garth's only Top 40 pop hit. The SNL episode where Garth hosted and introduced Gaines as the musical guest confused a host's dad. The hosts compared the idea to Borat and to found-footage horror. A host remembered seeing a found-footage film at the Enzian with its UCF filmmakers and believing it was real. Caller Cara: nanny stories. Cara was a nanny for a top makeup artist who worked with Garth, Faith Hill, Reba and others. She said Garth's team went along with the Gaines look because nobody told him no. She lived on the artist's property in her early 20s and fried okra and chicken at Faith Hill's Southern-style baby shower. The artist's husband played in Barbara Mandrell's band. The hosts brought up Tom's childhood nanny again. They also recalled the Gaines album ending up in bargain bins once record stores over-ordered. Garth, music rights, and yes-men. Garth fought used-CD stores in 1995, resisted iTunes, and launched his own download service, GhostTunes, later absorbed into Amazon Music. The hosts roasted his naming choices: GhostTunes, The Lamb, a fake Gaines album called "Fornicopia," and his production company Red Strokes. Tom created the "Castleberry Garth" bit about rich stars who won't take notes from employees. Claims from a 2013 lawsuit by an ex-business partner: Garth supposedly passed on Twister (the Helen Hunt role) and Saving Private Ryan to avoid sharing the spotlight. His Padres spring training stint was for charity (a donation to Boys & Girls Clubs), not a real tryout. Dan admitted arguing with Claude about it before conceding. Pre-internet news coverage made stunts like this confusing. Caller Charles: concert parking. BDM Charles was taking his wife to the Garth show for their 23rd anniversary and asked for parking tips. The hosts first gave joke advice: tip a random guy in a construction vest to valet your car. Then came real tips about the Kia Center lots and a gate most people don't know about. Dan's partner Andrea has a secret back-alley parking route. The crew planned crispy tavern-style pizza downtown and Uber rides home. Ross's Uber nightmare. After Wu-Tang Clan at the MidFlorida amphitheater in Tampa, Ross and his wife could see their Hard Rock hotel balcony but had I-4 in the way. Rideshare signs led them nowhere, and the app's pickup point was a slab of concrete in an empty fairgrounds field. The driver stayed in a different lot and stopped answering, while black SUVs kept offering rides. They ended up walking toward a distant Hampton Inn. Chat and hosts piled on about Uber's decline (rider-rating filtering, cancellations) and a Waymo that got stuck in traffic. Break: ska block. The Family Business Limited's "Still a Jamaican" (new album out today) and the Barstool Preachers' "Want to Know" (pick of the week), followed by the Trail of Terror read. Oviedo e-bike arrest. A News 6 clip covered an 11-year-old in Oviedo who got a written arrest for riding a Sur-Ron-style electric dirt bike near Sweetwater Park. He bought it with $900 from selling squirrel picnic tables. The charges were an unregistered vehicle, no insurance, no motorcycle endorsement, and no eye protection. His father called it an overreach, and the boy will miss school for court. Tom recalled his brother getting a written arrest for riding a dirt bike on the street. Officer interview: e-bike law. A BDM police officer (name unclear in the transcript) called in: The crackdown follows a wave of crashes and kids getting hurt, plus newer statutes that classify e-bikes. With working pedals it's a bicycle. With the pedals removed it's a motor vehicle. Fake pedals may get riders by some officers. Enforcement is at the officer's discretion: a civil infraction with a misdemeanor consequence. Registering a Sur-Ron takes blinkers, lights, and a plate. Dan's old scooter has only an antique tag. Stand-up scooters are speed-regulated, and OneWheels are unregulated. You can get a DUI on anything motorized. Adults can be charged for letting an unlicensed minor drive. Traffic court has a hearing officer, not prosecutors. Seminole County is stricter than Orange. Afterward the hosts wondered how their Miami friend Turkey Leg, who rides one, would react. Wu-Tang concert recap. Ross described the night: Bone Thugs-n-Harmony opened with medleys, including an Eazy-E tribute and a Biggie and Tupac tribute. RZA gave a spoken history of the group, then the set ran through 36 Chambers material and solo spots for Method Man, Ghostface, Raekwon, Cappadonna, and a Mobb Deep member. Method Man showed off his physique and hair, which set up the TRT joke. There was a memorial tribute to late rappers. The reveal: ODB's parts were performed by his son, Young Dirty Bastard. His mother tried to steer him away from music, and RZA didn't cast him in the American Saga series. The hosts traded ODB stories and tried, unsuccessfully, to play a TRL clip. Seacrest and aging. A host's parents cut cable and now use an antenna for NFL games, which means catching Ryan Seacrest on Wheel of Fortune. The crew discussed Seacrest's changed face, weight loss versus cosmetic work, and his frosted tips at his age. Vanna White came up too. Tom said he's getting gray streaks and would dye his hair, which got jokes about jet-black "magician hair." Elizabeth Holmes documentary. Nathan Fielder's secretive Holmes documentary screened at a festival with breathless reviews but no specifics. It's rated R for graphic nudity. The leading theory was that it includes a childbirth video. The crew expected a three-hour absurdist art piece and joked about betting on its reception on Kalshi. They noted a trailer scene where her husband takes the whisk from her while she's making eggs. Ross's theory: the story turns to Holmes cheating on him. That led to a tangent on Italian brainrot videos, Skibidi Toilet being over, "6-7," and how much Fortnite has changed. Break: pop punk block. Rivals' "Adrenaline Rush," the Modern PI read, and Cartel. "Mother of the Year" video. In a viral Giants broadcast clip, a mom juggles a baby, a carrier, and stacks of food and drinks back to her seat while her husband sits idle, and the announcers roast him. Tom defended the dad, saying partners who don't ask for help end up making the other person look bad. The others ribbed him for how he phrased it. Dan described Andrea handing off their daughter at Magic and Orlando City games so she could take a break. Ross offered a gentler defense, citing $25 concert beers and sending his wife to the beer tent. Dan shared Andrea's backhanded compliment that she's glad he drinks less, but "even this one scares me." Dripstick product. Ross got a targeted ad after Monday's cruise talk about tampons. The product is Awkward Essentials' Dripstick, a post-sex sponge applicator. The hosts read the instructions, then argued at length about hygiene and peeing after sex. Dan explained his cleanup routine, and Tom compared it to cleaning a paint sprayer or a beer line. The product's FAQ recommends peeing afterward anyway. The punchline was a "69 for $69" deal, which gave the episode its title, plus a joke return address on the "discreet packaging." Caller Toad King. Last call of the day: a crude one-liner about the post-sex topic, with nothing substantive. Tom's crazy fact: snakebites. The US averages about 5 snakebite deaths a year, and Tom asked the crew to guess India's number. The answer is about 58,000, mostly rural. The crew discussed the colonial snake-bounty story (often called an urban legend), India's "big four" venomous snakes, the Monsters of God documentary, and a story about someone stealing a nearly extinct tortoise breeding population. Plugs and wrap. Ross plugged The Orlando Talk Show and the Moe Comedy Jam. The cruise price increase got a reminder, and they announced Villain Roasters' new location with a possible Tom & Dan chicken-and-waffle item and a meetup. Key Dates / Plugs Mentioned Today (Friday): Garth Brooks at the Kia Center, with the crew attending as Moe DeWitt's guests. The Family Business Limited's new album is out. Next Tuesday: Court date for the Oviedo 11-year-old in the e-bike case. Monday: Next show. October 9 and 10: Trail of Terror, Peghorn Nature Preserve, St. Cloud. The 17th (month not specified): Moe Comedy Jam at the Orlando Funny Bone (formerly the Improv), hosted by Ross McCoy and Larry Helms, with Will Blalock, Amy LaCour, and Sean Fenergate. Tickets at MoeComedyJam.com. Tom, Dan, and Colette will be there. October 16 and 17: Trail of Terror. October 23 and 24: Trail of Terror. These late dates are expected to sell fastest. Tickets are $15 in advance or $20 at the door via TomandDan.com. Soon: Villain Roasters opening in the former Goombay spot in Satellite Beach, with a possible Tom & Dan chicken-and-waffle item and a meetup. Ongoing: Bart Marek Team at barttherealtor.com. Modern PI at modernpi.com (10% off). Just Call Moe at justcallmoe.com. The Orlando Talk Show. Easy Moe with Joe (Moe DeWitt, DeWitt Law Firm, and Joe Byrne, Byrne Pest Control). Up to a couple of months before sailing: Cruise deposits are fully refundable. Thursday, September 23 to Sunday, September 26, 2027: Seaz Nuts 2027 Tom & Dan Cruise on the MSC Seashore. Deposits at tomanddancruise2027.com. Balcony cabins are now in a second block at $20 more. Notable Guests/Callers Ross McCoy: In-studio guest for the full show. He's a comedian and host of The Orlando Talk Show. Bart Marek: Sponsor call-in with the real estate market update. Cara: Caller who was a nanny for a top 90s makeup artist, with stories about Garth's team and Faith Hill's baby shower. BDM Charles: Caller asking for Kia Center parking tips before taking his wife to Garth for their 23rd anniversary. BDM police officer (name unclear in the transcript): Phone guest who explained Florida e-bike, scooter, and OneWheel rules and traffic court. Toad King: Last caller of the day, with a crude one-liner.

In this episode, Dr. Scott Watier tackles the difference between outsourcing a chore and avoiding a skill, arguing that the path of least resistance isn't always the wrong move — it just depends on what you're making easier. He introduces the "habit bank" concept, where every convenience is either a deposit that protects consistency (grocery delivery, repeated meals, a fixed fasting window) or a withdrawal that derails it (impulse snacking, the "I'll start Monday" reset), and uses his own reliance on Instacart and meal-prep shortcuts to show how automating logistics frees up energy for what actually matters. He draws a clear line between the chores worth systematizing without guilt — meal planning, grocery shopping, tracking tools, workout scheduling — and the skills that require real repetition, like sitting with a craving for 10-15 minutes instead of solving it, breaking a fast on purpose instead of on impulse, feeling an emotion without eating over it, and logging an honest, unflattering result. Scott cites research showing people make roughly 214 food-related decisions a day (more for those with higher BMI), framing the fasting lifestyle as a game of "keepy uppy" where the constant question is simply: am I outsourcing a chore, or am I avoiding a skill? The episode closes with two action steps — pick one chore to eliminate this week and one specific skill-building moment to identify and sit with, rather than trying to overhaul everything at once. Take the NEW FASTING PERSONA QUIZ! - The Key to Unlocking Sustainable Weight Loss With Fasting!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Resources and Downloads: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***NEW RESOURCE!*** GRAB THE INSULIN RESISTANCE BUCKETS SUMMARY GUIDE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠SIGN UP FOR THE DROP OF THE ULTIMATE GUIDE TO BLOOD SUGAR CONTROL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GRAB THE OPTIMAL RANGES FOR LAB WORK HERE! - NEW RESOURCE! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FREE RESOURCE - DOWNLOAD THE NEW BLUEPRINT TO FASTING FOR FAT LOSS!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SLEEP GUIDE DIRECT DOWNLOAD⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DOWNLOAD THE FASTING TRANSFORMATION JOURNAL HERE!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Partner Links: Get your⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FREE BOX OF LMNT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ hydration support for the perfect electrolyte balance for your fasting lifestyle with your first purchase⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠25% off a Keto-Mojo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ blood glucose and ketone monitor (discount shown at checkout)! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Our Community: Let's continue the conversation. Click the link below to JOIN the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fasting For Life Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, a group of like-minded, new, and experienced fasters! The first two rules of fasting need not apply! If you enjoy the podcast, please tap the stars below and consider leaving a short review on Apple Podcasts/iTunes. It takes less than 60 seconds, and it helps bring you the best original content each week. We also enjoy reading them!

Join CBB at cruisebusinessblueprint.comIn this episode, Danielle Gaerte shares her insights on how tailoring travel proposals to client personalities can significantly increase booking speed and client satisfaction. Discover practical tips on customizing proposals, using inquiry forms, and leveraging videos to enhance client communication.Keywords: Travel proposals, client personalization, travel planning, inquiry forms, proposal tips, client communication, travel advisor, booking strategies. Key topicsThe importance of tailoring proposals to client personalitiesUsing inquiry forms to gather client preferencesStrategies for presenting options and recommendationsThe role of videos and visual aids in proposalsHow to handle multiple client decision-makersTips for increasing proposal acceptance rates

Your deposits aren't as loyal as they used to be. Nationwide's Mark Hackett and Wolf & Company's Jeff Marsico explain why money is on the move, even in a strong economy, and what community banks should do about it.The economy looks good: consumers are spending, the stock market is healthy, and the AI build-out is fueling growth. So why is it getting harder for banks to hold onto deposits? On this episode of Travillian Next, Brian Love, Head of Banking & Fintech at Travillian, zooms out with Mark Hackett, Chief Market Strategist at Nationwide, and Jeff Marsico, Principal at Wolf & Company, to talk rates, deposits, private credit, M&A, and AI.

Treasury is no longer a back-office function. As businesses navigate increasing complexity, it has become a strategic driver of resilience, decision-making and growth.   In this episode, Roxana Montazerian, EMEA Head of Broker Dealer and Specialty Finance Sales and Sara Castelhano, Head of UK, Europe & Canada Treasury Services discuss how treasury is evolving in response to changing business demands. They explore the growing role of technology, real-time data and AI, the skills treasury leaders need for the future and how organizations can transform treasury from an operational function into a source of strategic insight and competitive advantage.   Learn more at:  https://www.jpmorgan.com/payments/payments-emea   This episode was recorded on July 17, 2026.   ©2026 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured. All rights reserved. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content. This video-podcast/guide is confidential and proprietary to J.P. Morgan and is provided for your general information only. It is subject to change without notice and is not intended to be legally binding. Any services described in this video-podcast/guide are subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates. J.P. Morgan makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to herein. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation. J.P. Morgan and J.P. Morgan Payments are marketing names for certain businesses of JPMorgan Chase & Co. and its affiliates and subsidiaries worldwide JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability. The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information's accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments and may not be construed as such.

A 5% deposit could get thousands more Kiwis into their first home - but is it really as good as it sounds?James and Mike unpack National's proposed changes to the First Home Loan scheme, including the new $300,000 income threshold, what buying with just 5% actually looks like, the risks of taking on more debt, and whether bringing more first-home buyers into the market could ultimately push property prices higher.Next Steps:Buying your first home? Download our free First Home Buyers Guide to help you get started. Ready to take the next step? Get in touch with the Lighthouse Mortgages team to understand your options. For more money tips, follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Elaine Ellingham, President and CEO, and Jason Brewster, VP of Operations, for Omai Gold Mines Corp. (TSX.V: OMG) (OTCQB: OMGGF), both join me for a special video presentation and visual review of the updated Preliminary Economic Assessment and an exploration update, from the combined Wenot and Gilt deposits at the Company's 100%-owned Omai Gold Project in Guyana, South America.    The Omai Gold Property hosts two orogenic gold deposits: the shear-hosted Wenot Deposit and the adjacent, intrusion-hosted Gilt Deposit, with a combined total mineralization in the updated Mineral Resource Estimate (MRE) of ~8 million ounces of gold in all categories.   2,495,000 ounces of gold (Indicated MRE), averaging 2.04 g/t Au in 38.1 Mt and 5,465,000 ounces of gold (Inferred MRE), averaging 1.59 g/t Au in 106.6 Mt    Highlights of Omai Project Preliminary Economic Assessment   6.327 million ounces of gold (“Au”) projected life-of-mine (“LOM”) payable production over 18 years $4.0 billion after-tax net present value at a 5% discount rate at base case $3,600/oz gold, increasing to $5.5 billion at $4,200/oz gold 24% after-tax internal rate of return at $3,600/oz gold, increasing to 30% at $4,200/oz gold $1.427 billion initial capital and sustaining and growth capital of $928 million over LOM 4.1 year payback at $3,600/oz gold, decreasing to 3.4 years at $4,200/oz Au $1,501/oz gold average cash operating costs and all-in sustaining costs (“AISC”)1 of $1,608/oz $8.093 billion cumulative after-tax cash flows2 over 18 years 351,488 oz Au per year projected average production over LOM, with peak year gold production reaching 435,667 ounces 1.35 g/t Au average head grade and 93% process recovery 5.9:1 average strip ratio for the open pit LOM   This updated PEA, reinforces the potential for Omai to become a very large-scale mining operation with a clear path to bringing significant economic benefits to the people of Guyana.   We also discuss the dual path of the company now, split between ongoing exploration, and all the project derisking being factored into development and the upcoming updated economic study.     If you have any questions for Elaine or Jason regarding Omai Gold Mines, then please email those to me at Shad@kereport.com.   Click here to see the latest news from Omai Gold Mines.     For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.        

Dow Jones jumped 600 points, while gold prices rose over 1%. India's Services PMI showed recovery, fertiliser subsidy declined, and Air India received a funding boost. Also, IEX monthly volumes increased and record FCNR deposits strengthened India's forex position and banking liquidity.

Glen speaks with Prismm Founder/CEO Martha Underwood about a new metric- the Deposit Mortality Index- gauging an FI's risk of deposit loss from the Great Wealth Transfer. Also- PayPal's acquisition drama draws to a close (for now) and Walmart opens its wallet for Apple Pay.   Links related to this episode:   Prismm's Deposit Mortality Index: https://getprismm.com/dmi  (a link to the complementary 12 -page market report is near the bottom)    Martha Underwood's book "The Death of Deposits": https://www.amazon.com/dp/1953653200    Axios' take on why Stripe and Advent's pursuit of PayPal led to nothing: https://www.axios.com/2026/09/01/paypal-takeover-stripe-advent    Tech Crunch on Walmart's Apple Pay 180: https://techcrunch.com/2026/08/21/walmart-to-finally-start-accepting-apple-pay-and-google-pay    Last week's BIGCast featuring interviews with three standout startup founders: https://www.big-fintech.com/fintech-souths-got-something-to-say/      A vreplay of the most recent CU Town Hall, featuring Brian Ley's introduction of scam protector VerifyDial:  https://www.youtube.com/watch?v=o_jGtQ3p1nw      Mark your calendar to join us Wednesday September 16 at 3pm ET/Noon PT for our next CU Town Hall- a live, lively and interactive discussion of the top topics confronting CU leaders. The Town Hall is free to attend, but advance registration is required. Come prepared for an engaging discussion!  https://www.cutownhall.com/    Check out the Innovation Club- a curated group of credit union tech, data and strategy leaders that meets virtually each month- and twice a year in person- to extend their R&D budgets and collaborate on tangible solutions to the latest challenges. Learn more to see if you're a fit and if so, request a guest pass to an upcoming meeting: https://www.big-fintech.com/innovation-club/    Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/n/glensarvady/  

With interest rates near their highest levels in years, many savers will be taking a fresh look at term deposits. But are they the right home for your cash?On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Olivia McArdle, head of deposits and payments at Macquarie Bank, to unpack everything savers need to know about term deposits.00:00 Introduction01:25 Term deposits versus savings accounts04:10 Are higher rates making term deposits more attractive?05:50 How banks determine term deposit rates08:15 Common mistakes savers make with term deposits10:50 Can you access your money early?13:10 Term deposits and the Financial Claims Scheme14:20 ConclusionPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: podcast@moneymag.com.auGet stories like this in our newsletter: https://bit.ly/4pKl3ai

Dallas Fed warns tokenized deposits could strip $700B from U.S. banks' lending capacity. Two Dallas Fed economists estimate tokenized deposits could strip about $700 billion from U.S. banks' capacity to fund long-term loans, as instant settlement makes it easier for depositors to chase yield and switch banks. The report warns that could push up the cost of credit for consumers and businesses. CoinDesk's Uyen Truong hosts "CoinDesk Daily." - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ realfi.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. - This episode was hosted by Uyen Truong. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

Ian Harris, CEO of Copper Giant (OTC: LBCMF | TSXV: CGNT) believes that as copper is knocking on the door of $7, the catalysts driving the sector are just getting started amidst an unprecedented supply shortage worldwide. Ian breaks down why this bull market is still in its early stages and how Copper Giant fits into the picture, with their high-grade near surface Mocoa project in Colombia.Copper Giant Website: https://coppergiant.coFollow Copper Giant on X: https://x.com/Cu_GiantDisclaimer: This interview was produced on behalf of Copper Giant and Commodity Culture was compensated by Copper Giant for production.Subscribe to the FREE Commodity Culture Newsletter: https://readplaza.com/commoditycultureFollow Jesse Day on X: https://x.com/jessebdayCommodity Culture on Youtube: https://youtube.com/c/CommodityCulture

Would you let a stranger run up a bill in your name for 10 years and say nothing? That's exactly what you've been doing to yourself. The debt collector you've been avoiding is already staring back at you in the mirror. And this morning, 45 minutes before recording this episode, George sat in his car and scrolled YouTube Shorts for 15 minutes. He caught it. He's showing you exactly what he did next. This is a first-of-its-kind format for the show, a step-by-step implementation guide built from a guest interview. George takes Dr. Lester Clowes' concept of promised debt and turns it into an actionable, practical system you can start tonight. One kept promise. One small deposit. That's where it begins. What You'll Learn In This Episode: What promised debt is and why it's a debt problem, not a discipline problem How to identify where you're making withdrawals in your business right now Why big commitments make promised debt worse and what to do instead The embarrassingly small promise system and why it rebuilds trust faster than anything else The Gap vs. the Gain framework from Dan Sullivan and Benjamin Hardy Why gain thinking is the only operating system that makes this whole system actually work The one piece of scripture that ties the entire framework together Key Takeaways: ✔️Promised debt is what happens when you keep making promises to yourself and breaking them, one by one, silently. Most people are years in the negative and wonder why they can't trust themselves. ✔️This is not a discipline problem. It's a debt problem. The imposter feeling, the second-guessing, the burnout, it's almost always promised debt underneath. ✔️When you realize your balance is negative, the instinct is to go big. That's wrong. Bigger commitments make the balance worse when they collapse. The fix is embarrassingly small ones. ✔️If the promise doesn't feel a little embarrassing to write down, it's probably still too big. ✔️One kept promise that small, seven days in a row, rebuilds more self-trust than one heroic effort that collapses on day three. ✔️The Gap measures you against a moving future target. The Gain measures you against where you started. Promise debt only works long-term if you're running it through the Gain. ✔️Motivation comes and goes. The system, the physical ledger, the written promise, the checkmark, is what holds when motivation doesn't. ✔️Whoever can be trusted with very little can also be trusted with much. Luke 16:10. Start with the seed. Timestamps & Highlights: [00:00] — The stranger running up a bill in your name and who it actually is [01:31] — What happened 45 minutes before recording: the YouTube Shorts confession [03:30] — What promised debt actually is and Lester's concept of motivation porn [06:00] — What promised debt looks like in your business right now [08:00] — Deposits vs. withdrawals: the ledger that's running whether you track it or not [10:30] — Why big commitments make the balance worse, the Sunday night Tony Robbins spiral [13:00] — The embarrassingly small promise system and the actual mechanism [16:00] — The Gap vs. the Gain, Dan Sullivan and Benjamin Hardy [20:00] — Why gain thinking is the prerequisite for the whole system to work [23:00] — The assignment: one sentence, one promise, tonight [24:30] — Luke 16:10 and why the small seed is the whole game [25:30] — George's legal pad in real time: what his list actually looks like Your Challenge This Week: Tonight, before you go to bed: one sentence. One embarrassingly small promise for tomorrow. Write it on paper. Tomorrow, keep it. Check it off. Do it again. Send George feedback on this new implementation guide format, he wants to know if it's landing. Follow George: @itsgeorgebryant Work with George:The Alliance — Community for entrepreneurs building self-trust one promise at a time.  1:1 Coaching — Limited spots. Apply at mindofgeorge.com/coaching-consulting/ Live Retreats — In-person experiences where the systems get installed, not just introduced.

Security deposit management is the rare property management process that costs real time, creates real legal exposure, and generates no revenue at all. That combination is exactly why it has gone unfixed for decades. In this episode of Beyond Rent, Conor Brennan, Co-Founder of Rentable, makes the case that security deposits are a risk center rather than a profit center, and walks through what it takes to modernize a process that most operators still run on paper checks and manual reconciliation.Conor breaks down the compliance burden state by state: trust and escrow account requirements, interest tracking, mandatory resident documentation, and refund windows that range from 14 days in New York to 30 days in Massachusetts. Miss a step and operators face double or triple damages, with class action suits surfacing across the country. He cites one large Massachusetts operator who is on the hook for over $1 million due to an unsigned deduction statement. He also puts a number on the operational side: roughly an hour of staff time per deposit, which amounts to 1,000 hours a year for a 1,000-unit portfolio.The conversation also digs into the resident side of the equation. The deposit refund is often the last interaction a property manager has with a resident, and it is the reason behind a striking share of one-star reviews. Conor explains why a trusted third party holding deposit funds builds resident confidence, how flexible payment plans keep renters in the door as states cap deposits at one month's rent, and what the new built-in Rent Manager and Rentable partnership means for property managers who want deposits off their plate entirely.

Enova International has spent two decades using machine learning underwriting to serve consumers and small businesses who sit outside prime bank criteria, and its pending $369 million acquisition of Grasshopper Bank would give it a national charter for the first time. Steve Cunningham became CEO in January 2026 after nearly a decade as the company's CFO, following earlier stops as a bank regulator at the FDIC and as chief risk officer at Discover. He joins the show to explain what a fully digital lender looks for in a nonprime borrower, why credit quality looks solid in his portfolio right now, and how he's answering the senators and state attorneys general who want regulators to block the Grasshopper deal.What We CoveredSteve's path from FDIC regulator to Capital One, Harley-Davidson, and DiscoverMoving from the CFO chair to the CEO chair six months inEnova's brand portfolio: CashNet, NetCredit, and OnDeckUnderwriting nonprime and near-prime consumers versus underwriting small businessesThe lift Enova's proprietary models get over a plain FICO or VantageScoreWhy all their products use different underwriting modelsWhat Enova's weekly vintage data shows about the health of the consumerWhy gas prices matter less to consumer spending than headlines suggestHow Enova is using generative and agentic AI across the businessThe real thesis behind the Grasshopper Bank acquisition (see my podcast with CEO Mike Butler)Steve's response to the senators and state attorneys general opposing the dealWhat banking-as-a-service adds to Enova's roadmapWhere Enova wants to be by 2030Key TakeawaysEnova's NetCredit yields and losses aren't outliers when benchmarked against what banks themselves report to the FDIC each quarter, Cunningham argues, pushing back on the "predatory" framing critics apply to the company.The Grasshopper deal is primarily about simplifying a patchwork of direct state licenses and bank partnership arrangements, not chasing cheap deposits, though the deposit base is a welcome bonus.Because Enova's consumer loans repay every two weeks or faster, the company sees shifts in borrower behavior in its own vintage data well before those shifts show up in macro statistics.Small business underwriting at Enova is built around the health of roughly 900 different industry codes rather than a borrower's personal credit, making it a fundamentally different discipline than consumer underwriting.About Steve CunninghamSteve Cunningham is CEO of Enova International, a role he took on in January 2026 after nearly a decade as the company's CFO. He previously served as chief risk officer and treasurer at Discover, CFO of Harley-Davidson Financial Services, held senior finance roles at Capital One, and began his career as a bank regulator at the FDIC.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

Organic Relationship Growth is Easier Than Prospecting and Available Daily Your cheapest growth engine is the customer whose transaction history you're already holding. Every month, your customers' accounts send money out to banks, brokerages, mortgage companies, auto lenders and installment lenders. At the customer level, that's a flow of funds analysis: where money enters, where it leaves, and which parts of the relationship are being served somewhere else. It won't tell you everything a customer owns or owes, but it will show you where money is going, how often it moves, and which outside relationships are active. Deposits and investments held elsewhere leave a trail as outbound transfers, and no credit bureau reports them, so your bank or credit union may be the only one positioned to see them. Loans held elsewhere show up as recurring debits. Every one of those is a form of credit somebody else underwrote for a customer you had already acquired and already paid for. Acquisition costs are rarely fully loaded, and roughly a third of new accounts leave within the first year. That's what makes this an organic growth argument rather than a reporting exercise, and it's growth you can begin sizing before you spend, because the volume, the frequency and the timing are already visible. Jim Marous shares his own money movement across two top 5 institutions, neither of which has ever offered him an alternative to what they can see him doing elsewhere. Some institutions have never assembled this view. Others have assembled it and attached no action to it. Different starting points, and the same result for the customer. Hosted by Jim Marous. Subscribe to Banking Transformed for new episodes multiple times each week.

In this episode of The Community Bank Podcast, SouthState's Tara Edmonds joins Caleb Stevens to unpack one of banking's hottest topics: stablecoins, tokenized deposits, and the future of money movement. Tara explains what community bankers need to know, why regulatory clarity is accelerating adoption, and how emerging payment technologies could reshape deposits, customer relationships, and the banking industry itself. Register for the Elevate Banking Forum here. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

God has deposited (cached) many essential grace provisions for us, His royal family. The reality of them to us personally can serve as a source of blessing, challenge, and encouragement. Scriptures: II Timothy 1:12; Ephesians 1:3, 4; John 1:1-3, 14

Sterling Metals CEO Mathew Wilson told Mining Stock Daily that the September 2025 MEPS discovery at the Soo Copper Project near Sault Ste. Marie — which returned 265 metres grading 1.05% copper equivalent — is not an isolated hole, but the center point of a 30-kilometre mineralized corridor bookended by two historic copper mines. The company launched a 20,000-metre drill program intended to establish the footprint and grade of that mineralized area.

In a World Using Less Cash, Banks Keep Opening Branches! Why?Bank branches are everywhere, even as more of our banking happens online.You can deposit a check from your phone, transfer money in seconds, and apply for a loan without ever walking into a bank. Yet some of the country's largest banks and credit unions continue investing heavily in physical locations.So what makes the bank branch so valuable?The role of the branch has changed. Many of the routine transactions that once required a teller can now happen digitally. That leaves the physical location to do something more important: attract deposits, acquire customers, build trust, serve businesses, and create deeper relationships.Chris Ressa sees a strong parallel to retail.For years, ecommerce was expected to make physical stores less relevant. Then digital customer acquisition became more expensive, and retailers learned that stores could actually make their entire business stronger. Physical and digital weren't competing. They were working together.Banks are seeing the same thing.A customer might open an account online and do most of their banking from a phone. But they still drive past their local branch. They know the name. They know where to go when they need help. That physical presence creates familiarity and trust that can turn one account into a much larger, longer relationship.And that's where the economics get interesting.For landlords, investors, and anyone in retail real estate, foot traffic doesn't tell the full story of a bank branch. Deposits, customer acquisition, retention, and long-term relationships can be far more important.As banking becomes more digital, the branch isn't disappearing. Its purpose is changing, and that helps explain why banks still want four walls on great corners.What You'll HearWhy banks still want physical branches in a digital worldHow technology actually changed the value of the bank branchWhy deposits and customer relationships matter more than foot trafficWhat banks are learning from the evolution of physical retailWhy the branch and the app are stronger togetherHow great real estate can become a customer acquisition toolChaptersChapters00:00 — Why are banks opening new branches?The contradiction between digital banking and continued investment in physical locations.01:45 — The changing role of the bank branchTechnology has changed what happens inside a branch and where its value comes from.03:15 — Moving toward higher-margin relationshipsWhy branches can focus less on routine transactions and more on valuable customer relationships.04:10 — Why deposits drive the economicsDeposits are the raw material of banking, and physical relationships can make them stickier.05:05 — Customer acquisition costs are the new rentWhy acquiring customers through physical locations can compete with increasingly expensive digital channels.06:25 — What banks can learn from retailThe evolution of bank branches looks a lot like what physical retail experienced with ecommerce.08:00 — Building deeper banking relationshipsHow branches can help turn one account into a long-term, multi-product relationship.09:25 — The branch and the app work togetherWhy digital and physical banking can strengthen each other instead of competing.10:30 — More than four walls in a communityHow branches create trust, visibility, and a lasting physical presence in local markets.11:19 — Why physical branches still matterWhat continued investment in branches says about the value of physical banking.

Tokenised deposits are putting commercial banks back in the centre of the evolution of digital money. Lee McNabb, head of digital assets at NatWest Group, joins John Orchard, chairman of the Digital Monetary Institute at OMFIF, about the benefits and remaining challenges of bringing tokenised commercial bank money to wholesale and retail users. They discuss the ways central banks and policy-makers are working on this development, which will allow the existing financial architecture to combine the benefits of blockchain with the guardrails and infrastructure of the two-tier financial system. Read the latest edition of the Digital Monetary Institute Journal for more insights on tokenised deposits.

In a world where 21,883 software companies are all chasing the same narrow pool of buyers, automation isn't a competitive edge — it's the noise. Neal Goyal, who has closed $41M in software revenue with 81% of it sourced from LinkedIn, makes a compelling case for slowing down to speed up. This episode breaks down why trust is the only moat that can't be replicated, how LinkedIn is actually a stage where your ideal buyers are sitting in the audience, and why the kindergarten rules you already know — give before you ask, show up for others first — are the most powerful GTM strategy available right now. If you're over-automating and under-relating, this one is a wake-up call.Key Takeaways[0:00] — The counterintuitive edge: doing things that don't scale is the most powerful thing you can do in a world where everyone has the same automation tools[6:09] — The ecommerce SaaS explosion: from 5,000 to 21,883 software companies chasing the same TAM — and why that kills trust by default[8:47] — You're not competing against direct mail competitors; you're competing for the finite bandwidth of a 3–5 person marketing team[13:33] — Why 100% inbound pipeline is a "cancer" — it feels great but attracts everyone, not the right ones[16:46] — 81% of $41M in closed revenue sourced from LinkedIn — what the first 8–9 months of posting with zero engagement actually looked like[18:48] — The theater analogy: your buyers are in the seats, but only 1 in 100 sellers ever gets on stage[21:15] — The lurker phenomenon: LinkedIn engagement is low because it's public and professional — and that's exactly why the relationship value is high[21:18] — Why your LinkedIn connect request is like asking for someone's phone number at a bar — and what to do instead[26:37] — The bank account model: you can't make a withdrawal from an account you never opened. Deposits (engagement, value) must come before asks (connection requests, pitches)[32:47] — Email as a trust eroder by default — and why "who sent it" matters infinitely more than any subject line[34:45] — "Relationships beat algorithms" — why building rapport on LinkedIn before hitting the inbox changes the open rate entirely[36:46] — How to get organizational buy-in for a long-game strategy: lead from the front, be the best BDR on your own team[40:38] — What to do when your target prospect isn't posting on LinkedIn: write about them, spotlight their work, and watch what happens[44:09] — The founder question almost nobody is asking: where is your moat beyond technology? Care at scale is the answerTweetable Quotes"Automation takes away the most valuable skills we learned in kindergarten — give to others before you ask for anything in return." — Neal Goyal"Trust doesn't scale. That's exactly why it works." — Jeff Mains"You're not competing against direct mail companies. You're competing for the limited bandwidth of a 3-person marketing team alongside 21,000 other software vendors." — Neal Goyal"Nobody remembers who liked their post. They remember who left a comment that showed you actually read it." — Jeff Mains"Every cold pitch you send is a withdrawal from an account you never opened." — Jeff Mains"Only 1 in 100 sellers posts on LinkedIn — but your buyers are there 7, 8, 9 times a day. That IS the stage." — Neal Goyal"If you post 3 times a week, you move to the top 1% of content creators on LinkedIn. That's how low the bar is — and how big the opportunity is." — Neal Goyal"Care is going to be the thing that stands out above everything we talk about with AI. If you can demonstrate it, you're going to win." — Neal GoyalSaaS Leadership Lessons1. Do the things that don't scale — on purpose. When everyone has access to the same AI tools, the same sequences, and the same targeting data, doing what everyone else is doing makes you invisible. Genuine human attention is rare enough that when a prospect receives it, it stops them cold. That's your competitive edge.2. Trust is the only moat automation can't replicate. With the software landscape growing 4–5x in a few years and churn becoming a top threat, the relationship you build before the sale is what keeps the customer after it. The companies that invest in their customers the way they invest in prospects will win the retention wars ahead.3. LinkedIn is a stage, not a social app — and almost no one is using it that way. Your buyers are on LinkedIn every day. Only 1 in 100 sellers posts. If you post three times a week, you're in the top 1% of creators on a billion-person platform. Stop thinking about it as a channel and start thinking about it as the most accessible stage you'll ever have.4. Deposits before withdrawals — always. The bank account model isn't a metaphor, it's a system. Comment authentically on your prospects' posts before sending a connection request. Connect before pitching. Build before asking. This sequence flips connect acceptance rates by 3–5x and transforms cold email into warm email.5. Lead from the front to change a team's culture. Philosophy alone doesn't move teams. Results do. When Neal steps into a new org, he operates like an IC first — showing, not just telling. When the team sees the long game producing pipeline, they buy in. You can't coach trust-building from the sidelines.6. You're not competing against your category — you're competing for attention. Whether you're at seed stage or Series C, the real battle is for a limited-bandwidth buyer with 3–5 people on their team and 21,000 vendors in their inbox. The question isn't "are we better than our direct competitors?" It's "are we worth their attention right now, and are we earning it?"Guest Resourceshttps://www.linkedin.com/in/nealgoyal/Episode SponsorThe Futureproof Series - https://www.youtube.com/playlist?list=PLfkXKUPZ5xuOqMPR7_gzGybncTtavyR1NThe Captain's KeysSmall Fish, Big Pond – https://smallfishbigpond.com/ Use the promo code ‘SaaSFuel'Champion Leadership Group – https://championleadership.com/https://jeffmains.com/books/SaaS Fuel ResourcesWebsite - https://championleadership.com/Jeff Mains on LinkedIn - https://www.linkedin.com/in/jeffkmains/Twitter - https://twitter.com/jeffkmainsFacebook - https://www.facebook.com/thesaasguy/Instagram - https://instagram.com/jeffkmains

Your commission process should give collectors confidence, not leave your best opportunities waiting in limbo. When someone reaches out about a commission, it's easy to assume genuine interest will naturally lead to a finished piece. I've learned through years of experience that even enthusiastic collectors can get stuck when the process feels unclear or overwhelming. This episode is about creating a commission experience that respects your time, supports your clients, and helps both of you move forward with confidence. I'll walk you through the practical shifts that transformed the way I handle commissions so more conversations become completed artwork instead of unfinished intentions.

Nubank can change the economics of deposits that it has never won. The Brazilian digital bank has conditional approval for a U.S. national bank charter and plans to open by 2027, and most coverage is asking whether it can take a meaningful share of the market from American institutions. Jim Marous gives the pragmatic take: Share is the wrong thing to watch. Nubank built more than 130 million customer relationships in Latin America by leading with credit and earning the deposits afterward, in markets where many people had kept their savings at home rather than trust a bank. Its global platform now runs at an efficiency ratio below 20%, compared with a U.S. norm near 60%. That gap is the story. It lets Nubank pay depositors more than a typical U.S. bank or credit union can, and still earn a stronger margin, using deposit rates as an acquisition channel the way it did with Cuenta Nu in Mexico, where the yield went from 9% to 15% and pulled in $3.8 billion in 18 months. The exposure for American institutions shows up as margin, not attrition. Nubank does not have to reprice every deposit in the country. It only has to reset the price of the next dollar you need to keep or replace, and with a national average savings-account rate under half a percent against the best rates near ten times that, your customers are already comparing. Jim Marous is co-publisher of The Financial Brand and host of the Banking Transformed podcast. This Banking Insights episode covers what Nubank built in Brazil, why Chime's track record shortens Nubank's path, the one fair-lending question that could slow its rollout, and three moves banks and credit unions should make before someone else sets their deposit floor. Subscribe to Banking Transformed for new episodes multiple times each week.

Paul talks to Ken O'Flynn TD about what happens to all the deposits paid when people buy bottles and cans but do not return them. Hosted on Acast. See acast.com/privacy for more information.

Paul Byrne takes calls on how we should deal with unclaimed bottle and can deposits, hears Cobh woman Niamh talk about life in Australia where she is running the Sydney Marathon, looks back at the life of the late Glen Hansard. And more... Hosted on Acast. See acast.com/privacy for more information.

Security deposits come up in almost every hosting conversation, but a lot of what hosts believe about them is wrong. We break down the difference between a deposit and an authorization hold, and why refunding deposits drains money from every stay. We cover damage waivers, when to charge a guest for damage, and how to build one full protection strategy. How a security deposit and an authorization hold are actually different Why hotels never really "hold" your cash, and what they do instead The nine-day window a lot of hosts don't know they're racing against How to decide between an authorization hold and a damage waiver What to document before you ever charge a guest for damage Thanks so much for hanging out with us today. We know this one got a little technical, but understanding how the money side of damage protection actually works will save you real headaches down the road. If this helped, subscribe and leave us a quick review, it means a lot. Check out our videos on YouTube: https://www.youtube.com/@ShortTermRentalRiches Grab your free management eBook: https://strriches.com/#tools-resources Looking to earn more with your property (without the headaches)? Chat with our expert management team: https://strriches.com/management-services/  

Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants' deposits every time the rent goes up? Your questions are tackled on this week's Ask Rob & Rob. (00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he's never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop. (04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

WE FINALLY HAVE MERCH! Shop our new hats at https://doweknowthem.comMachine Washable Rugs, Made Better. For a limited time only, our listeners get 10% off + free shipping attumbleliving.com/DWKT #Tumble #ad Shop at REVOLVE.com/DWKT and use code DWKT for 15% off your first order. #REVOLVEpartnerIf you're 21 or older, get 30% OFF your first subscription order + free shipping @IndaCloud with code DWKT at https://inda.shop/DWKT! #indacloudpod In today's episode, the girlies discuss a viral stranger photoshoot but unfortunately... not because it went well. Then they break down yet another tattoo vs client debacle after the tattoo artist cancels a client's appointment and he's left trying to chase her down in order to get his deposit back.We Love the Internets:https://www.tiktok.com/t/ZTSn47DNk/https://www.instagram.com/reel/DaqTys_Rqkf/00:00 Introduction01:18 Stranger Photo Shoot Gone Wrong41:51 Tattoo Artist Cancels Appointments After Getting Deposits1:03:53 We Love the InternetWe hope you enjoyed this episode!  For even more content, go join The Other Girlies over on our Patreon! https://www.patreon.com/c/doweknowthemPlease let us know on Twitter or Instagram if you have any topic suggestions for a future episode! (@lily_marston & @jessismiles__)PS. The girlies have officially entered their short form content era! Follow our official accounts: https://instagram.com/doweknowthempodcast & https://tiktok.com/@doweknowthempodcastBusiness Inquiries: doweknowthempodcast@gmail.comDo We Know Them PodcastHosted by Lily Marston & Jessi Smiles

Robinhood Earn hits $100m in deposits. Ambire extends Gas Tank supports for Safe. And Etherscan releases a guide to tokenized stocks. Read more: https://ethdaily.io/992 ETH Daily sponsorships are now open. Reach over 10,000 Ethereum-native subscribers every weekday. Learn more at ethdaily.io/ads Disclaimer: Content is for informational purposes only, not endorsement or investment advice. The accuracy of information is not guaranteed.  

Tenants across India's six biggest metros have handed landlords Rs 1.26 trillion in security deposits, a new NoBroker study estimates. Around $15 billion of tenant money, refundable in name, sits in landlords' accounts earning interest for people it does not belong to. In this episode, host Snigdha Sharma ask what a deposit actually costs a renter, and arrives at a number: nearly a month's rent, every year. The same tenant who pays 2 months' deposit in Mumbai is asked for 10 in Bengaluru, and in Delhi NCR, about 4 in 10 never got their full deposit back. Renting was meant to be a phase. But with home ownership drifting out of reach, tenants may be extending this loan for decades.Tune in.Recommendations:It sucks to be a tenant in Bengaluru right now*Take The Ken's audit hereDaybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

In this episode of Mining Stock Education, host Bill Powers welcomes Dr. Rob Stevens, author of 'Mineral Exploration and Mining Essentials.' Dr. Stevens presents on what every copper and gold mining investor should know about sulfide vs. oxide deposits. He provides examples, reviews the economic impacts of these deposit types, explains supergene enrichment zones, refractory deposits, laterites and much more. Dr. Stevens' book and online courses are available at miningessentials.com. 00:00 Introduction 01:01 Oxide vs Sulfide 02:08 Defining Deposit Types 06:54 How Processing Differs 09:40 Refractory and Laterites 12:38 Supergene Enrichment 15:55 Economics and Examples 20:13 Investor Checklist 22:54 Q&A Link to this presentation on YouTube: https://youtu.be/0w9Cz5fTkPo To learn about Dr. Steven's book and online training courses: https://www.miningessentials.com/ Dr. Steven's YouTube channel: https://www.youtube.com/@mining-essentials Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 This episode was not sponsored. MSE received no compensation to speak favorably of Rob Stevens' book and has no revenue-sharing arrangement with Dr. Stevens. Mining Stock Education offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

When tenants secure housing in Isla Vista, most landlords will ask for a security deposit. AS-UCSB Legal Advisor Robin Unander shares information that renters need to know about security deposits - and how to ensure that all or most of the funds will be returned upon move out. Robin is interviewed by KCSB News Reporter Malia Guy.

The checkout has become one of the most important moments in the customer journey — where growth, customer experience and digital transformation converge.   In this episode, Patricia Brolly, head of EMEA Merchant Acquiring Product, and Ciaran Walsh, head of Europe Corporate Sales at J.P. Morgan Payments, explore why the checkout has evolved from an operational necessity into a strategic growth engine. They discuss how businesses can reduce friction, localize payment experiences, leverage data and AI, as well as balance innovation with security to drive conversion and scale across EMEA's diverse markets.     This episode was recorded on May 26, 2026.   J.P. Morgan and third parties listed on this page have not entered into a legal partnership to provide the services described above. Third party trademarks, brand names, and descriptions of products and services that appear on this page are provided by the respective third party. J.P. Morgan is not liable or responsible for such trademarks, brand names, descriptions of products, companies, and/or services. J.P. Morgan may generate profit from the use of any services or products provided by the third parties. Nothing in this material shall be taken as an endorsement of any third party or advice on the suitability of the third party services for the client. You shall make an independent determination for selection of the services provided by the third parties. Neither J.P. Morgan nor its affiliates shall be liable to you for any loss or liability suffered by you from the use of the third party services. The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information's accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice, or recommendation to make any investment decisions or purchase any financial instruments and may not be construed as such. Any future capabilities of mobility payment systems are under development. Features and timelines are subject to change at the bank's sole discretion. Copyright 2026 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-US branches are not FDIC-insured. Non-deposit products are not FDIC-insured. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.

Everyone on the show is always watching things. Everyone except one person. Well that all changes today. Naturally, he's breaking his streak of not watching things by watching slightly stale rom coms starring Miranda Cosgrove. Also Hoppers. That's relatively new, right?Official discussion hub: https://completedisaster.live/2026/07/06/july-6th-2026/

Today's Cruise News covers three stories from across the industry. Norwegian Cruise Line's Norwegian Sun has dropped four Baltic ports — Nynäshamn/Stockholm, Klaipeda, Gdynia/Gdansk, and Kiel — from its June 24, 2026 sailing after propulsion issues limited the ship to 11 knots, with affected guests offered a $100 onboard credit per stateroom, a 25% future cruise credit, and a 25% fare refund. Ambassador Cruise Line has cut deposits to £99 per person on its 2026-27 fly-Caribbean program aboard Renaissance, featuring 14-night round-trips from Bridgetown, Barbados with Virgin Atlantic charter flights from London Heathrow and Manchester. And Hurtigruten's MS Vesteralen has returned to the classic Bergen–Kirkenes Coastal Express after a heritage-led refit that renovated 100 cabins and added new Arctic Superior cabins and Mini Suites. Visit CruiseNews.io for the full stories and to sign up for free email alerts.

Sponsor Link:This episode of SpaceTime is brought to you by Incogni, your first stop in reclaiming your online privacy.To check out our special offer for SpaceTime listeners, visit www.incogni.com/stuartgarySpaceTime Series 29 Episode 73 The earliest known flickering quasar Astronomers have discovered the earliest known flickering quasar dating back to a time when the universe was just 850 million years old. ExoMars to target vast clay beds in search for life on Mars The European Space Agency has selected a vast clay bed called Oxia Planum as the best place on the red planet to search for signs of life. Understanding neutron star mergers Scientists have used deep learning neural networks to better understand the violent events associated with the merger of neutron stars. The Science Report New GLP-3 drugs significantly improve blood sugar levels and lead to substantial weight loss. Ocean waves generated in the Southern Ocean tracked all the way to the shores of Alaska. Are dogs left or right handed? Skeptics guide to fish oil supplements.   Our Guests This Week: Kovi Rose from the University of Sydney   And our regular guests: Alex Zaharov-Reutt from techadvice.life Tim Mendham from Australian Skeptics  

Connect with Early Riders // Connect with OnrampPresented collaboratively by Early Riders & Onramp Media...Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.This week Brian, Michael, and Liam cover the SpaceX IPO and the capital-rotation narrative around Bitcoin, the Bernie Sanders / David Sachs debate over government equity stakes in AI companies, the Zcash inflation bug that allowed unlimited mint for four years before Claude caught it, JPMorgan's tokenized-deposit consortium with Citi, Bank of America, Wells Fargo, and Chase, the Stripe / Visa / MasterCard stablecoin consortium, Morgan Stanley's Galaxy partnership letting high-net-worth clients lend Bitcoin for in-kind ETF conversions, Tether's first gold-backed Visa card, the US sanctioning Iran's largest crypto exchange Nobitex, and the Polymarket MicroStrategy resolution controversy.Chapters00:00 - The State of Digital Assets01:13 - Upcoming IPOs and Market Dynamics05:54 - Contrasting Views on Investment Strategies08:19 - Long-Term Perspectives on Bitcoin14:11 - Speculation vs. Saving in Investments18:32 - Government Involvement and Market Bubbles25:22 - Zcash Inflation Bug and Crypto Vulnerabilities31:12 - Tokenization of Deposits and Future of Banking34:12 - Understanding the Future of Investment and Money35:56 - The Role of Traditional Finance in Digital Assets37:11 - Morgan Stanley's Bitcoin Lending and ETF Strategy40:54 - Market Timing and ETF Launches42:48 - The Evolution of Wealth Management and Asset Preservation44:40 - Stablecoins and 24/7 Trading in Crypto Markets49:05 - US Sanctions and the Impact on Crypto Markets52:59 - Tether's Gold-Backed Innovations55:19 - The Future of Agentic Payments and Prediction MarketsIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly.Keep up with Michael:https://x.com/MTangumahttps://www.linkedin.com/in/mtanguma/Keep up with Liam:https://x.com/Lnelson_21https://www.linkedin.com/in/liam-nelson1/Keep up with Brian:https://x.com/BackslashBTChttps://www.linkedin.com/in/brian-cubellis-00b1a660/

Join us on the Jeep Talk Show as we sit down with Natasha from Lithia Fireside RV Rental! From delivering campers instead of hitting the trails at major Jeep events to building an incredible Jeep collection, Natasha shares her journey blending the Jeep lifestyle with the RV rental business. In this episode, we dive into: - Her love for Jeeps and off-roading (including her Barbie-Con TJ, pumpkin Gladiator, and Tuscadero Pink 392 Rubicon) - The challenges of balancing business growth with trail time - Why Jeeping and camping go hand-in-hand - Real talk about Florida wheeling, mud, Jeep Beach, and saltwater Jeep maintenance - How she and her husband built their RV rental franchise with Fireside RV Rental - Tips for renting RVs, towing with Jeeps/Gladiators, and what to expect Natasha also shares heartwarming stories of helping families create memories and the realities of running a high-volume rental fleet. **

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

──────────────────────────────────────── [00:02:09] Trump Mobile Scam: 600,000 Supporters Paid $100 Deposits — $60 Million Collected, No Phones Shipped 600,000 supporters paid $100 deposits on a gold $500 phone. Terms were later revised: the deposit is not a purchase, Trump Mobile has no delivery obligation, and refunds are denied. ──────────────────────────────────────── [00:07:39] The Iran War Has Cost Every American Household $1,000 — The Pentagon Budget Adds Another $11,100 Independent analysts put the Iran war at $72 billion in 60 days — $1,000 per household. The $1.5 trillion Pentagon budget adds $11,100 per household. Knight: none of it asked for by the American people. ──────────────────────────────────────── [00:20:55] Trump Considering Making Venezuela the 51st State — While Promising to Stop Immigration Trump is considering making Venezuela the 51st state for its oil, not ruling out military intervention. Knight: the man who ran on stopping Venezuelan immigration is now proposing to make Venezuelans citizens. ──────────────────────────────────────── [00:31:58] FCC Democrat Commissioner: 'You Cannot Buy Trump's Favor — You Can Only Borrow It, and the Price Always Goes Up' Commissioner Gomez, referencing the $16M Stephanopoulos settlement, told Disney it did not buy peace. Knight: favor can only be borrowed, never purchased, and the price always goes up. ──────────────────────────────────────── [00:41:55] Trump Reflecting Pool Started at $1.8 Million — Now Seven Times Higher Via No-Bid Emergency Contract The reflecting pool project was pitched at $1.8 million, tripled, then doubled again — now seven times the estimate via a no-bid contract justified by declaring it a national emergency. ──────────────────────────────────────── [00:46:00] Independent Analysts Put Iran War Cost at $72 Billion in 60 Days — Trump Claims $25 Billion Stephen Simler estimates $72 billion in the first 60 days — nearly three times Trump's figure. Americans have also paid $37 billion more in energy costs since the war began. ──────────────────────────────────────── [00:53:20] ICE Mobile Fortify App Scans Faces and Fingers of Anyone Agents Encounter — 300 Million Americans in the Database ICE's Mobile Fortify photographs individuals on contact, runs fingerprint checks, and retains biometric data for 15 years. Georgetown Law found ICE had data on three in four adults as of 2022. ──────────────────────────────────────── [01:04:59] Epstein Pitching Palantir to Ehud Barak on Video — Now Palantir Runs ICE's Surveillance Dragnet A video shows Epstein pitching Palantir to Ehud Barak as essential intelligence infrastructure. Palantir now runs ICE's ELITE — Enhanced Leads Identification and Targeting for Enforcement. ──────────────────────────────────────── [01:18:43] FCC Wants Government ID to Activate Any Phone — Killing Prepaid Anonymity for Journalists and Whistleblowers The FCC is proposing mandatory ID before activating any phone, including prepaid cash phones, to stop robocalls. Knight: journalists, abuse survivors, and whistleblowers rely on prepaid anonymity. ──────────────────────────────────────── [01:50:00] Massey Primary: Up by One Point With One Week Left — $25 Million From AIPAC and Israeli Billionaires AIPAC, Miriam Adelson, Paul Singer, and John Paulson funded MAGA Kentucky. Adelson is an Israeli national who has given Trump over $200 million. One week left. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code “KNIGHT” For high quality made in America products go to HomeSteadProducts.shop and use promo code “Knight” for 10% off your purchases Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

3/16: Professor John Yoo argues California's high energy prices result from sacrificing affordability for climate ideology. This approach ignores natural resources like the shale deposits in the middle of the state.1574