Podcasts about dmba

The most surprising story -- not politics -- twenty somethings say they get the "ick" when it comes to credit cards -- and they prefer to spend the money they have sitting in their checking accounts for purchases....Gen Z is seeing credit as a liability and not an asset. KSL Investigative Reporter Matt Gephart joins Dave and Debbie to discuss why Gen Z is steering away from credit cards and the pros and cons of credit and debit cards. Certified Financial Planner with DMBA, Shane Stewart joins the show to discuss some of the ways you can build credit without using a credit card.

You had money taken out of each paycheck to put into a flexible spending account last year but didn't quite use it all up? We've got bad news for you. Dave and Debbie weigh the pros and cons of Flex Spending Accounts and speak with Certified Financial Planner with DMBA, Shane Stewart about who an FSA is right for… and who may not benefit.

 THE FUTURE OF THINGS: AI as a new material for Design. On Saturday, Apr 5, chairs from the Design Division at CCA co-moderated an insightful panel discussion that explored the transformative role of design in shaping the future of products, services, and systems enabled by generative, agentic, and distributed physical AI. Moving beyond the conventional focus on AI as a set of tools for designing, our expert panelists discussed how designers can reimagine and craft the next generation of "things"—from rethinking transportation and healthcare to reinventing how we cook, shop, communicate, entertain, and/or safeguard our communities from natural disasters. This conversation highlighted design's power to envision future lifestyles, steer technological evolution, and generate lasting value for communities and our planet.Panelists:Lauren Bedal / ArchetypeAI - Design, Product LeadTim Belonax / Anthropic - BrandTJ McLeish / CCA MDes Faculty + AI ExpertKarl Willis / Autodesk - Senior Research ManagerModerators:Justin Lokitz, DMBA and Elena Pacenti, MDes

It's the story no one can look away from ... the perfuse bleeding on the stock market ... down 5,000 points in a matter of days ... since Trump announced sweeping tariffs on what he called "liberation day" last week... Dave and Debbie discuss the economic uncertainty that comes with it including the fear for those trying to retire… as well as if this may be an opportunity to buy stocks at low prices.. Robert Spendlove, Senior Economist with Zions Bank joins the show to discuss how long the uncertainty will last. Shane Stewart, Certified Financial Planner with DMBA explains what people planning to retire should do with their money at this time.

In this episode, we break down innovation to its very core with Rio Cruz Morales, a DMBA, multi-time startup founder, and Senior Product Manager of AI Foundations @ Velocity Black. Rio is a product and innovation expert, who created the Product Experimentation Method and framework to help others do what they do. And...what's so cool about Rio, is they found the DMBA by happenstance. In a word, Rio is awesome!

Market's worldwide saw a mass sell-off today... scrambling in the wake of President Trump's liberation day. Joining me live is DMBA Certified Financial Planner Shane Stewart.

President Donald Trump revealed details to his "Liberation Day" where the US is going to put a sweeping tariff against all its trading partners across the world. Wall Street is reacting heavily to this news causing large drops in the stock market.  We speak to Bankrate's Financial Analyst, Stephen Kates joins the show to discuss the tariffs, the stock market reaction, and what the economic outlook could be in the coming weeks. Certified Financial Planner with DMBA, Shane Stewart speaks to the overall goal President Trump may be looking towards with these tariffs and what consumers should be thinking about. Brian Entin with NewsNation joins the show to discuss everyday items that could now be tariffed. Do you even know where your stuff is from?

In this episode, we get deep into the startup space with AK Raja, a DMBA alum and former EY Design Strategist, and JJ Velez, a former software engineer from Apple. This dynamic duo is working on Lawgical, a tech startup focused on helping law firms (and companies) streamline their immigration paperwork. Check them out here: https://demo.lawgical.app/auth

The Federal Reserve cut interest rates by a quarter point this afternoon. Joining me live is DMBA certified financial planner Shane Stewart.

This entire episode is one big prototype. Rather than talk to real humans, we've asked Google's NotebookLM tool to create a discussion around the value of the DMBA. I think the insights are pretty spot on. What do you think? 

The fed cut the interest rate for the first time since the early days of the COVID pandemic.  Joining me live is DMBA financial planner Gerika Espinoza

Looks like the long awaited rate cut... is finally coming this September. This morning... Fed Chair Jerome Powell said that the time has come. Joining me live is DMBA Certified Financial Planner Shane Stewart.

The stock market saw its biggest daily drop since 2022... with the DOW plunging over 1-thousand points. Joining me live is DMBA Financial Advisor Gerika Espinoza 

Dow Jones money market index is down over 1000 at the start of this morning's trading. Shane Stewart, Certified Financial Planner – DMBA, joins D2 to share insight into what investors should know during this apparent cooling effect in the markets.

The Fed decided to keep interest rates steady this afternoon... but hinted in a cut as soon as September Joining me live is DMBA financial advisor Shane Stewart. 

Can you afford someone else's bad money problems in a relationship and can you fix them? Debbie and Caitlyn see this from different perspectives at their different ages. On one hand, Caitlyn has a bit more runway to correct financial issues in her late 20's as many at this age are still getting on their feet. On the other hand, Debbie is concerned that bad money habits may never be corrected and lead to bigger issues while dating in her 50's. Shane Stewart, Certified Financial Planner with DMBA joins the conversation to offer his advice on how to identify financial red flags and the downside of dating someone who's broke. Can you change men financially? Tune in to find out more.  Have a comment or dating story to share? Give us a call at 801-575-5599!   You can also send us an email at daha@ksl.com   Follow Dating at Her Age on social media!   Facebook  Instagram  Tik Tok   Learn more about Debbie and Caitlyn!   Debbie Dujanovic is the co-host of “Dave & Dujanovic” and “Dating at Her Age” on KSL NewsRadio. Follow her on Facebook and TikTok. Follow “Dating at Her Age” on Facebook, Instagramand Tik Tok.  Caitlyn Johnston is a producer for KSL NewsRadio and the Dave & Dujanovic Show. She also produces and co-hosts “Dating at Her Age” on KSL NewsRadio. Follow her on Instagram.     

Inflation is gone.  There is no inflation.  Gas and grocery prices are down... and consumer prices stayed right where they were the month before. That's good news.  But if you're waiting for an interest rate cut... well... the news isn't that great. Joining me live is DMBA certified financial planner Shane Stewart. 

In this episode, we dive deep into design strategy with Izzy Shu, Dave Korstad, and Tony Jimenez, the DMBA alumni behind the amazing alternative milk brand JOI. Enjoy!

All three major stock indexes closed at new record highs this afternoon. Joining me live is DMBA Certified Financial Planner Gerika Espinoza.

KSL's Top Story:  Two skiers are confirmed dead after an avalanche in the Lone Peak area.  Search and rescue crews worked through the afternoon to find them… but have just been called off because of treacherous conditions. 

It was a wild day on Wall Street. Markets jumped WAY up on news the Fed was going to leave interest rates right where they are... but by the close... things wound up mostly in the red.

USA Today has been named Utah the most affordable place to live in the country. Debbie doesn’t think so, saying it certainly feels like a pricey place. How did USA Today come to this conclusion? Shane Stewart, Financial Planner with financial management company DMBA joins the show to explain the stats cited by USA Today and compare them to Utah's actual wealth demographics.  

According to Bankrate, Younger homeowners are more likely to have used retirement savings for a down payment. Is this a good idea? Dave and Debbie speak with DMBA, Certified Financial Planner, Shane Stewart about how it would work to pull from your 401k for housing costs and what to know before you do so.

So the inflation rate is stubbornly staying in "the threes" - coming in at 3-point-2 percent ....last month.

KSL's Top Story:  We're covering a horrible accident in the line of duty.  a Utah State Trooper involved in a car chase ...fell off a highway overpass this morning.

The Federal Reserve left interest rates unchanged and announced they don't know if cuts are coming anytime soon.

Hi, welcome to Everything Is a Prototype, The DMBA podcast, where we talk all things design strategy…and prototypes. In this episode, Jinney Kho, a former interior architect and recent DMBA grad, talks about her journey and how she has designed a new path as a design strategist and startup founder. Enjoy! 

Both the Dow and the S-and-P reached a record high at close today... the dow hitting just over 38-thousand for the first time ever.  DMBA certified financial advisor Shane Stewart on this record high and what consumers should do during this time and shouldn't do.

Utahns are feeling good about the economy. The latest "consumer sentiment survey" from the Kem C Gardner Institute shows in December we were 8.4 percent more optimistic about our financial future.  10 percent more optimistic than the rest of the country.

The fate of interest rates are still unknown going into 2024.. With that in mind when is the right time to make the decision to refinance your home? Shane Stewart, Certified Financial Planner with DMBA joins the show to discuss.

Hi, welcome to Everything Is a Prototype, The DMBA podcast, where we talk all things design strategy…and prototypes. In this episode, Jo Marini, a DMBA alum, professor, and kickass entrepreneur, discusses her amazing new company Mothership Materials, and how she plans on saving the world. Enjoy!

A sudden shift in Utah's apartment rental market, in favor of renters. Apartments are showcasing an increase in move-in incentives. Dave and Debbie speak with Paul Smith with the Utah Apartment Association on whether apartments have been overbuilt and if these incentives will last. Dave and Debbie also speak with Shane Stewart, Certified Financial Planner with DMBA about how to start the process of moving out of renting and saving for a home. Is it even possible in today's market?

A new iphone feature called "Apple Pay Later..."  has just rolled out Nationwide.   You buy something using Apple Pay.... and it'll split the purchase into four payments over six weeks... with no fees or interest.  

In this exciting episode, Kirsten, Michelle, Bhumika, and Julia, current DMBA students (C15s), discuss how the DMBA is helping them to design their next lives and careers and why they decided to co-create the first ever Career Design Club within the DMBA…which helps other DMBA students design their own next thing. Enjoy! 

The Fed decided today not to raise interest rates....but said there could still be another increase before year's end.See omnystudio.com/listener for privacy information.

More unmarried couples are buying homes together. Unmarried couples make up 18% of all first-time homebuyers for the first time, according to a report by the National Association of Realtors. That's up from 4% in 1985. Dave and Debbie speak with Shane Stewart, Certified Financial Planner with DMBA about what to consider before making a decision to buy a home with someone.See omnystudio.com/listener for privacy information.

Guest Hosts: Maura Carabello and Derek Brown A new report from the Cultural Currents Institute finds that Utah households are the most indebted in the nation, partly because we are one of the youngest states in the nation. DMBA financial planner Shane Stewart breaks down why Utah's Debt-to-Salary ratio is so bad and how to keep yourself out of debt.   See omnystudio.com/listener for privacy information.

The Biden administration on Tuesday launched a new income-driven student loan repayment plan as thousands of borrowers prepare to resume repayments. Unlike the previous plan to cancel $20k in federal debt, the SAVE plan will be available to current and future borrowers. This also creates a safety net for students that start falling behind on their payments which then they'll be enrolled  in the program automatically. Caitlyn Johnston, Producer and Shane Stewart, Certified Financial Planner, DMBA joined the show. See omnystudio.com/listener for privacy information.

Ahh, the unmistakable scent of a new Business Teardown! This one has notes of brand elegance and a touch of sophisticated aesthetics… but does it have the sweet smell of business success?  Excuse our indulgence in some beauty-based puns; this week, we're taking our first look at a skincare brand that has long been admired for its design, customer experience, and attention to detail - Aesop. With its unique amber bottles, stunningly designed stores, and a deep-rooted commitment to botanical science, Aesop's strategy goes beyond just selling skincare products. It's about selling an experience, a philosophy, and a lifestyle. The brand has carved out a niche in the competitive skincare market by merging a keen sense of design with quality formulations. In this episode, we'll explore how Aesop's distinctive branding, commitment to sustainability, and authentic storytelling have made it a beacon in luxury skincare.  But is this high-end brand all looks and no business substance? Or does Aesop deserve its fabled status?   In this latest dMBA teardown, Alen, Franz, and Tom discuss…. Why Aesop's investment in spa-like store experiences has been a strategic masterstroke How a deep commitment to saying 'no' has helped Aesop own its place in a competitive market The reasons its recent acquisition was a complete no-brainer for new owner L'Oreal How China (and its booming luxury market) could unlock enormous growth for Aesop So relax, unwind, and indulge in another episode of the Business Teardown.   www.d.mba

Referencias: - Utah se está convirtiendo en el nuevo Silicon Valley, pero tiene muchos problemas de homofobia y machismo: https://crast.net/373087/cloudflare-ceo-says-exclusion-culture-hurts-utahs-tech-state-but-admits-mormon-missionaries-grow-up-to-be-great-salespeople-youre-selling-the-hardest-thing-in-the-world/ - Iglesia le regala gimnasio viejo, construido por los miembros, a Ivory Innovations para que construya departamentos: https://www.sltrib.com/news/2023/07/06/would-you-live-converted-gymnasium/ - La Iglesia y los problemas financieron con DMBA: https://widowsmitereport.wordpress.com/dmba/ - La Iglesia pagó $5 millones en multas de la SEC. La segunda multa más grande fue $100 mil: https://www.ria-compliance-consultants.com/2007/08/sec-settles-a-form-13f-filing-violation-for-a-100000-penalty/ - Iglesia demanda a compañía de seguros porque no quieren cubrir su demanda de abuso de menores: https://www.fox13now.com/news/local-news/lds-church-sues-insurance-providers-over-sex-abuse-settlement-costs - Tesis sobre el alfabeto de Deseret: https://eric.ed.gov/?id=ED226325 - PDF del alfabeto: https://ia802700.us.archive.org/20/items/deseretalphabet03unse/deseretalphabet03unse.pdf - Libro de Mormón en alfabeto de Deseret: https://ia800902.us.archive.org/15/items/bookofmormdeseretalpha00/bookofmormdeseretalpha00.pdf - Artículo de BYU Studies sobre los sellamientos de adopción: https://scholarsarchive.byu.edu/cgi/viewcontent.cgi?article=1625&context=byusq - Profecías de Brigham Young: http://packham.n4m.org/byoung.htm#PROPHECIES - Facsímile de la profecía racista de Young en el sitio de la Iglesia: https://catalog.churchofjesuschrist.org/record/73160837-a293-4121-b723-41387a081cb8/c87f81ec-019c-4962-b395-d7c1c925fa61?view=browse&subView=arrangement - La destilería de whisky de Brigham Young: https://whiskymag.com/articles/young-was-once-a-distiller

KSL's Top Story The summer rain is filling up storm drains and gutters across the Wasatch Front. KSL NewsRadio's Aimee Cobabe reports from the storm.See omnystudio.com/listener for privacy information.

The Fed has raises interest rates another quarter of a point.  DMBA Certified Financial Planner Shane Stewart discusses what this means.See omnystudio.com/listener for privacy information.

Millions of people were told that they wouldn't have to worry about their student loans and just like that now they once again have to start thinking about sometimes tens of thousands in loans. See omnystudio.com/listener for privacy information.

The bank failure you didn't know happened overnight -- First Repulbic Bank 84 branches --  lost 100 billion dollars in customer withdrawls since Silicon Valley & Signature bank collapses in March.  JP Morgan Chase bought it last night. D2 break down what happened and speak with Shane Stewart, Certified Financial Planner with DMBA on how depositors are giong to be made whole. See omnystudio.com/listener for privacy information.

In many respects, Franzi Sessler and Tony Gui, are typical DMBAs. They traveled from far and wide to get to San Francisco to join a program and community that they hoped would help them redesign their lives. Typical right? But, like ALL DMBAs, Franzi's and Tony's stories are so much more than typical! In this episode -- newly minted as "Everything is a Prototype: The DMBA Podcast" (thank you for the suggestion Anita Chordia!) -- Franzi and Tony talk about their lives before the DMBA and just how much their experiences in the program changed them...and, of course, how they built a thriving business, called Kreatives, by prototyping everything along the way. Enjoy!

Apple is launching its savings account with a 4.15% interest rate through Goldman Sachs. It requires no minimum deposit or balance, and users can set up an account and manage it from the Wallet app on their iPhones. Shane Stewart, Certified Financial Planner with DMBA, joins the show to discuss how it compares to other savings accounts and if it's worth considering.See omnystudio.com/listener for privacy information.

Though Andy Greenwood is 100% an audio engineer, in many respects he's like the Clark Kent/Superman of the audio engineering world. Though he may show up with all of the real-world experience and chops of a world-class engineer, he uses his design strategy superpowers and creative confidence to help break down walls and get others to think about the human experience + business...even if they didn't think that was their job. In this fun conversation, we discuss what it's like being a design strategist with an audio engineer title at Apple and how Andy spends his free time, mixing audio at Jazz fest in New Orleans, where he recently won a Grammy for Best Regional Roots Music Album, for his work with Ranky Tanky.

In France, violent protests have erupted as they move the retirement age from 62 to 64… In the United States… when's the best time to start drawing your benefits? Shane Stewart, Certified Financial Planner, DMBA  walks listeners through this. See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

NC State University Industry Expansion Solutions' (IES) North Carolina Defense Manufacturing Community Support Program (NC DMCSP), creates opportunities for smart textile innovators.  As our lives become ever connected through smart phones, tablets and other devices, the way we interact has changed dramatically and that even applies to textiles. Textiles come in a wide variety of forms, from clothing to bedding to household items. Smart textiles include the next generation of wearable technologies. They combine textile design with advanced sensing capabilities. This new class of materials promises to revolutionize the future of wearable computing. In 2021, the Department of Defense's (DoD) Office of Local Defense Community Cooperation (OLDCC) awarded North Carolina State University IES a grant under the Defense Manufacturing Community Support Program (DMCSP). The DMCSP is designed to support long-term community investments that strengthen national security innovation and expand the capabilities of the defense manufacturing industrial ecosystem. The program was created to recognize communities that demonstrate best practices in attracting and expanding defense manufacturing by bringing together key local stakeholders and using long-term planning that integrates targeted public and private investments across a community's entire defense industrial ecosystem. In this episode of Clocking In Phil Mintz sits down with Dr. William Reynolds and Dr. Casey Boutwell - two participants in the NC DMCSP sponsored propeller project looking to market their breakthrough smart textile technology.  Founded in 2017, Onda Vision Technologies (OVT) is a North Carolina State University startup company. OVT is a spin-out company from the North Carolina State University's Advanced Self-Powered Systems Integrated Sensors and Technologies (ASSIST) Center, which is a National Science Foundation (NSF) sponsored Nanosystems Engineering Research Center (NERC).  Onda Vision has developed a wearable sensor for real-time hydration monitoring to optimize human performance and health. Onda Vision's Founder, Dr. William D. Reynolds, Jr Ph.D, has over 20 years of experience in research and development between the commercial and government sector. His management experience extends over fifteen years of building and leading high-performing corporate science and engineering teams. Onda Vision are developing a wearable sensor that has the ability to monitor body hydration in real-time. Dr. Reynolds' background and expertise cover signal processing, deep learning and algorithm development. Dr. Reynolds has attended the University of Delaware and the University of Illinois-Chicago.  Dr. Casey Boutwell, Ph.D MBA, is the chief executive officer of DermiSense Inc., a startup company commercializing a medical diagnostic technology developed at NCSU that uses a microneedle patch to extract and analyze interstitial fluids in the skin. DermiSense was founded in 2018 when the founding team licensed the underlying IP from NC State University. The company is extending their manufacturing and process optimization to increase patch area and reduce production time while continuing to collaborate with the originating lab at NCSU to explore new sensing applications. Mintz, Reynolds and Boutwell discuss the history of Onda Vision and Dermisense, Onda Vision's and Dermisense innovative smart textile technologies, how these technologies can help prevent things like heatstroke and detect diseases and more.  LINKS NCMEP Onda Vision DermiSense ABOUT Phil Mintz Phil Mintz is the executive director of NC State Industry Expansion Solutions (IES) and director of the North Carolina Manufacturing Extension Partnership (NCMEP). At NCMEP, Phil drives outreach to NC manufacturers, builds relationships with federal and state leaders and coordinates efforts to drive profitable manufacturing growth in the state. He also leads the broader IES Extension Operations outreach unit of regional managers, technical specialists and business development leaders providing business engagement, assessment and improvement tools. This includes statewide peer networks, ISO 9000 quality management systems, Six Sigma, Lean manufacturing, environmental services, and health and safety solutions. Bill Reynolds  Dr. William D. Reynolds, Jr., has over 20 years of experience in research and development between the commercial and government sector. His management experience extends over fifteen years of building and leading high-performing corporate science and engineering teams. Dr. Reynolds' background and expertise cover signal processing, deep learning and algorithm development. Dr. Reynolds has attended the University of Delaware and the University of Illinois Chicago.  Casey Boutwell Dr. Casey Boutwell, Ph.DMBA, is the chief executive officer of DermiSense. Dr. Boutwell contributes his technical expertise in micro-and nanofabrication, business experience in technology commercialization, intellectual property, and licensing strategy, and professional network in digital health and wearable biosensing systems.