Podcasts about Experian

Learn how to dodge scams to protect your money, then understand how to compare robo vs. traditional investment risks. What should you do if your credit card is compromised in a scam? Are robo-advisors riskier than traditional brokerage accounts? Hosts Sean Pyles and Elizabeth Ayoola discuss how to spot and respond to identity theft and dig into how robo-advisors stack up to traditional investing platforms to help you protect your financial life. They kick off Smart Money's new Scam Stories series by welcoming guest Scramble Hughes, a circus performer and scam victim, who shares a real-life experience with credit card fraud. They discuss tips and tricks on recognizing red flags like mass spam messages, acting fast by calling the number on your card (not clicking links), and filing credit freezes with all three credit bureaus.  Then, investing Nerd Bella Avila joins Sean and Elizabeth to discuss how robo-advisors compare to traditional brokerage accounts. They discuss risk levels in automated portfolios, SIPC insurance protections, and key factors to consider when choosing a platform like account minimums, platform stability, and user experience. See NerdWallet's top picks for the best robo-advisors of 2025 here: https://www.nerdwallet.com/best/investing/robo-advisors  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: credit card fraud, how to report identity theft, robo advisor vs brokerage account, SIPC insurance limits, credit freeze Experian, how to freeze your credit, credit card scams TikTok, how to know if a text is a scam, what is a robo advisor, tax loss harvesting robo advisor, ETF risk robo advisor, ETF diversification, FDIC vs SIPC, how to block spam texts, freeze credit TransUnion, safest robo advisors 2025, best robo advisor for ETFs, hacked credit card reader, RFID credit card theft, how to recover from identity theft, difference between SIPC and FDIC, scams targeting small business owners, how to secure your investment accounts, how to protect credit card information, email spam after identity theft, what to do after credit card theft, how long do fraud refunds take, when to freeze credit, best practices after identity theft, and comparing investment platform safety. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ari and Eric are joined by Chris Feo, Chief Business Officer at Experian, for a grounded discussion on how the advertising data ecosystem is evolving. The conversation explores Experian's approach to identity and audience data, the implications of its acquisition of Audigent, and how curation is reshaping traditional roles within the ad tech stack. They also dig into the growing impact of AI on DSP value, media workflows, and open web monetization. Along the way, expect reflections on industry shifts, platform partnerships, and a few Italian food metaphors. Learn more about your ad choices. Visit megaphone.fm/adchoices

Giresse Contini, Diretor de Serviços de Crédito da Serasa Experian, explica como IA preditiva e plataformas em tempo real revolucionam scores, políticas e decisões de crédito, reduzindo riscos e oferecendo mais agilidade. 

In This Episode This week on Breaking Banks, join us as we explore how real-time data is helping lenders understand financial behaviors beyond traditional credit scores, as Plaid, the largest financial data network, and Experian, a leading data technology company join forces via their new partnership. Listen as Michelle Young, Credit Product Lead at Plaid and Ashley Knight, SVP of Product Management at Experian connect with host Brett King to discuss how this new partnership is providing proven risk insights and real-time cash flow data to banks, credit unions and consumer lenders, and the potential it brings for a major change in lending. Datos Insights' Stewart Watterson also joins to offer insights on two critical industry challenges that the availability of real-time cash flow data addresses: creating pathways to credit for underserved consumers, and for financial institutions, expanding the consumer lending addressable market while improving the ability to manage credit risk. It's a win-win! This episode is not to be missed! Lend smarter and get ahead of the curve to learn how cashflow and credit data can fuel business performance and competitive advantages now!

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6Being born again in Christ changes a person. We're given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.Bobby's TestimonyIt's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That's when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”Hearing about Bobby's life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God's redemptive power.Steps Toward Financial FreedomA few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.Biblical Principles Guiding Bobby's TransformationBobby's journey highlights several biblical principles that are now guiding his life:The Body as a Temple: Bobby's decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices. Humility: Bobby's willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.” Honesty: Bobby's commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ. Repaying Debts: The Bible emphasizes the importance of repaying our debts. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby's desire to pay off his debt is a step toward fulfilling this principle. Stewardship: The most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you're struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We're here to help you take the next step toward financial freedom and faithful stewardship.Bobby's story is a powerful reminder that with God's help, it's never too late to turn your life around and get back on track. If you're ready to take that step, we're here to walk alongside you.On Today's Program, Rob Answers Listener Questions:I'm a 60-year-old single retiree, and honestly, I feel financially illiterate. I have two annuity accounts, but I don't fully understand how they work. Should I stay in them or look at other options? I'd appreciate some guidance on how to manage my limited savings wisely.I'm single and trying to plan ahead to create passive income for my future family. I'm debating between buying a rental property and investing in the stock market. Which of these would be the smarter long-term move?My husband and I are retired and considering a reverse mortgage. What's the best way to approach this, and is there a type of reverse mortgage that will ensure we can stay in our home?I loaned money to my cousin, and they repaid me with an extra $300 in interest. Do I need to report that interest as taxable income on my tax return?Can you explain the difference between a Roth IRA and a traditional IRA? Additionally, can someone who is not employed by a company open a 401(k) account?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

996: How are digital leaders driving real business impact with GenAI and agents? In this Technovation episode, we feature a panel from our most recent Metis Strategy Summit where Metis Strategy's Steven Norton speaks with three top executives who are driving innovation through generative AI and agents: Motti Finkelstein, CIO of Intel; Shri Santhanam, EVP & Chief AI Officer at Experian; and Jaime Montemayor, Chief Digital and Technology Officer at General Mills. Together, they explore what it takes to move from pilots to production at scale, how to build trust in AI agents, and the organizational shifts required to maximize GenAI's potential. With insights spanning financial services, semiconductors, and consumer packaged goods, this conversation dives into strategic frameworks, technical foundations, and real-world use cases. Key topics include: Experian's EVA: A financial agent handling personal credit data at scale Intel's 2,500+ AI use cases tracked through finance-validated buckets MillsChat at General Mills: Securing and scaling enterprise AI tools AI training compressing certification time from 12 months to weeks Future of AI agents as full digital coworkers across B2B and B2C

Last week UK economic data painted a mixed picture, with inflation and labour market dynamics pulling in opposite directions. Headline inflation unexpectedly rose to 3.6% in June, driven by higher food and wage costs, prompting criticism of Labour's tax policy. However, unemployment climbed to a four-year high of 4.7%, while job hiring fell sharply and wage growth moderated - bolstering expectations for a potential Bank of England (“BoE”) rate cut in August. BoE Governor Andrew Bailey signalled a willingness to ease policy if labour weakness persists, although policymaker Catherine Mann warned inflation remains above target. Meanwhile, Bailey voiced concerns over Donald Trump's tariff plans, citing risks to global economic stability, and stressed the International Monetary Fund's (“IMF”) role in addressing imbalances...Stocks featured:Barrett Redrow, Experian and Intermediate Capital GroupTo find out more about the investment management services offered by Walker Crips, please visit our website:https://www.walkercrips.co.uk/This podcast is intended to be Walker Crips Investment Management's own commentary on markets. It is not investment research and should not be construed as an offer or solicitation to buy, sell or trade in any of the investments, sectors or asset classes mentioned. The value of any investment and the income arising from it is not guaranteed and can fall as well as rise, so that you may not get back the amount you originally invested. Past performance is not a reliable indicator of future results. Movements in exchange rates can have an adverse effect on the value, price or income of any non-sterling denominated investment. Nothing in this podcast constitutes advice to undertake a transaction, and if you require professional advice you should contact your financial adviser or your usual contact at Walker Crips. Walker Crips Investment Management Limited is authorised and regulated by the Financial Conduct Authority (FRN: 226344) and is a member of the London Stock Exchange. Hosted on Acast. See acast.com/privacy for more information.

In this episode we discuss Ocado, Barratt Redrow, Trustpilot, Experian, ASML & Netflix$ocdo $btrw $trst $expn $asml $nflx#ocdo #btrw #trst #expn #asml #nflx

The Friday Five for July 18, 2025: Update on Regulation Banning Medical Debt from Credit Reporting Google Announces NotebookLM Featured Notebooks This week in Apple Rumors Threads Usage Up, Meta Testing Facebook Login 2026 Midwest D-SNP Market Opportunity   Get Connected:

Whether you’re applying for a mortgage, taking out a loan or signing up for a new credit card, one number carries more weight than many people realize: your credit score. In this week’s personal finance edition of Merryn Talks Money, hosts Merryn Somerset Webb and John Stepek are joined by John Webb, senior consumer affairs manager at Experian and an expert on credit scores. Together they explore the world of credit scores—what they are, how they’re calculated, why they vary across agencies and the many ways they can shape your financial future.See omnystudio.com/listener for privacy information.

00:00 Show open/ Vanessa Okweraiwe from Edward Jones on care for loved ones. 9:31 Rod Griffin, Sr. Dir. Public Education at Experian on Gen Z's finances. 19:28 Face the State: Reporter roundtable on the new state budget with Jeremy Pelzer, Politics Reporter with Cleveland dot com and the Plain Dealer and Jo Ingles, reporter and producer with the Ohio Public Radio and Television Statehouse News Bureau. 33:25 Face the State: Ohio's planned celebration of America's semiquincentennial with America 250-Ohio Executive Director Todd Kleismit.

Hugo Blankingship III is a highly respected attorney based in Washington, D.C., specializing in identity theft and false credit reporting issues. With over 30 years of experience, he has built a strong reputation for advocating on behalf of consumers who are struggling with inaccurate credit information. His mission is to help clients get incorrect data removed from their credit reports, allowing them to move forward with their financial lives. A graduate of the University of Virginia (B.A., 1982) and the Marshall-Wythe School of Law at the College of William & Mary (J.D., 1986), Hugo began his career as a law clerk to the Honorable Albert V. Bryan, Jr., former chief judge of the U.S. District Court for the Eastern District of Virginia. This foundation shaped his career and led him to become a passionate consumer rights advocate. Throughout his career, Hugo has fought tirelessly against major credit reporting agencies like Experian, TransUnion, and Equifax, ensuring they adhere to the rules. In 2004, he argued the case Nigh v. Koons Buick Pontiac GMC before the U.S. Supreme Court, and has represented clients before the Supreme Court of Virginia and the U.S. Court of Appeals for the Fourth Circuit. Hugo's clients know him as a tenacious attorney who won't back down in the pursuit of justice. Thomas B. Christiano received a B.A. from the University of Virginia in 1993 and a J.D. from the Marshall-Wythe School of Law at the College of William & Mary in 1999. Mr. Christiano has handled numerous consumer protection cases and specializes in cases involving inaccurate credit reporting under the Fair Credit Reporting Act. He has reviewed the credit reporting procedure process from the major credit reporting agencies and the dispute investigation procedures of many banks who have furnished inaccurate credit information. As an experienced credit report lawyer, he can identify the actual damages associated with credit report problems, including emotional distress damages, the loss of employment opportunities, inability to obtain a mortgage, and loss of use of credit., Mr. Christiano also publishes a blog at yourfaircreditreportlawyernow.com, which is an excellent informational resource on the subject. Thomas B. Christiano has decades of experience helping clients who have been the victim of credit fraud and identity theft. Discover how he can help you!   During the show we discussed: Common credit report errors and their impact on consumers Effects of identity theft on credit and first steps to take Challenges in disputing false credit report information Overview of the dispute process with credit bureaus How bureaus respond to disputes and what to do if ignored Consumer rights under the Fair Credit Reporting Act (FCRA) Role of Equifax, Experian, and TransUnion in disputes What to do when bureaus don't fix errors and how attorneys help Issues with mixed/merged credit files and how to resolve them Fraud tactics in credit manipulation and identity theft prevention Importance of checking credit reports and common review mistakes Steps to fix credit scores after finding report errors How bad credit affects loans, housing, and employment Benefits of working with a credit report attorney vs. doing it alone   Resources: https://www.yourfaircreditlawyer.com/  

On today’s Take control Tuesday, we're talking about credit bureaus. And Mansa Musa says when most of us think about credit reports, we usually picture the big three: Experian, Equifax, and TransUnion. But there's a whole other layer of credit reporting that often flies under the radar—secondary credit bureaus. These companies collect more specialized information […]

In this #DataTalk episode, we welcome Ashley Knight, Senior Vice President of Product at Experian, as she talks to us about Experian's commitment to leveraging cashflow insights to drive financial inclusion and our new collaboration with Plaid, a leading financial data network used by 1 in 2 U.S. bank account holders. Ashley, who leads the product management team for Experian's Financial Services and Data business, shares insights on how this collaboration is enhancing financial inclusion and creating more opportunities for consumers and clients. Tune in to hear more from Ashley on the power of consumer permissioned cashflow information and how we are transforming the credit ecosystem. Ashley Knight is Senior Vice President of Product and leads the product management team for Experian's Financial Services and Data business with a focus on alternative data, scores, and open banking. She fosters innovation and drives financial inclusion by using new data and Experian's deep expertise in credit.

In this episode, Brian Skrobonja sheds light on the complex and often overwhelming process of managing an estate after the loss of a loved one. This is a step-by-step guide from the initial steps you need to take after a loved one passes, to the intricate details of settling an estate. Brian offers valuable advice and practical tips to navigate this difficult time with grace and efficiency. Having a clearly defined process in place for managing an estate can help avoid the emotional drain of making important decisions through the loss of a loved one. Friends and family may wish well and provide advice on what to do, but without a proper plan in place, that can lead to more financial problems in the future. Setting expectations for yourself and the beneficiaries of the estate is a great first step to help minimize the confusion and questions around how long it will take to settle an estate. This process can take anywhere from two months to several years depending on the type of assets that are owned and the size and complexity of the estate. A funeral home director will often help obtain death certificates, which will be required before making any claims. It's a good idea to request 10 to 12 original documents because, once submitted, you may not get them back. It's important to first locate the deceased's will, trust, or other estate documents they have on file. If none of these exist, you could have difficulty settling a person's estate which will most likely require an attorney to assist you through the probate process. Check to determine if the person may have left a letter of instruction behind as well. A letter of instruction is not a legal document, but it's a letter that can provide more personal intentions and information regarding an estate. The next step is to begin gathering an itemized list of all known financial institutions where money is held and life insurance companies for filing a claim. It's a good idea to put the list together before jumping into making calls because you'll want to keep track of phone conversations and other instructions. Tip: A really good practice is to keep a journal or Excel spreadsheet of all the conversations to keep track of everything. You'll want to avoid writing on the back of envelopes or scrap pieces of paper as that can become really unmanageable. Checks made out to the deceased will require a bank account to deposit them. Avoid closing bank accounts too early because of this. You will have to notify Social Security that a death has occurred as well as any pension provider to have payments stopped and any eligible benefits paid to the estate. If your loved one served in the military, you may be eligible for veterans benefits. You can get more information about these benefits by visiting va.gov. Over the next one to three months, you will want to screen incoming mail, both physical and email, to look for and gather bills, statements, and notices relating to various types of accounts and insurance policies. You will want to review credit card statements to identify subscriptions or other recurring charges to follow up with the service providers about cancellation. Next, notify creditors and credit card companies that were a part of your loved ones credit history. You can notify the big three credit bureaus; Experian, Equifax, and TransUnion, of their passing, which can usually be done online over the phone or by letter. You will also want to locate where they filed important documents to find deeds, titles to real estate, car titles, or lease agreements as well as storage space keys and account records. Look for a computer file or printout with digital account passwords so you can disable any active social media accounts. If the person was still working, contact the human resources office at their place of work to inform them of what has happened, the HR officer may need you to fill out some paperwork pertaining to retirement plans, health benefits and compensation for unused vacation time. If your loved one owned a small business or professional practice, a discussion with business partners and clients may be necessary as well as consulting with the company attorney who has advised the business. If there was a child in college, it may be a good idea to contact the Financial Aid Office to inform them of what has happened. Depending on the school and the financial situation the surviving child may qualify for more assistance. Before rushing into this process, you should consider speaking with a financial advisor and attorney. There are so many areas where you can make expensive mistakes, working with a professional through this difficult time is usually the best decision.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify va.gov     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.   Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure.   The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. The appearances in Kiplinger were obtained through a PR program. The columnist is not affiliated with, nor endorsed by Kiplinger. Kiplinger did not compensate the columnist in any way. Our firm does not offer tax or legal advice. Consult your tax or legal advisor regarding your situation.

It's the halfway point of the year and Lesley Logan is bringing big energy to this FYF episode. She shares a powerful story of social impact, celebrates community wins, and reveals two major personal victories including a successful pivot for OPC's Spring Training and a game-changing summer setup at home. Let this episode remind you that ease and effort can absolutely coexist.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How Flau'jae Johnson is changing lives through debt relief and financial literacy.Sonia Ahmed's branding shoots as a powerful act of visibility.Ainsley Walker's multi-faceted wins in community, self-care, and action.The importance of community in offering perspective and inspiration.A behind-the-scenes look at the OPC team's pivot for Spring Training.Smart ways Lesley and Brad beat the Vegas heat and improved sleep quality.Episode References/Links:@femalequotient - https://www.instagram.com/p/DHWTzvLvwx9 If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  It's Fuck Yeah Friday. Brad Crowell 0:01  Fuck yeah. Lesley Logan 0:02  Get ready for some wins. Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:44  Hi, Be It babe. How are you? We made it to the end of June. Holy freaking moly. Halfway through the year. We did it. You did it. Have you out of all the Fridays halfway through the year, have you celebrated wins on each Friday? Maybe you celebrate them all week long. Maybe you celebrate them every single day. I don't know. I want to know. Send your wins in. Send how you, how you celebrate that. Send how you reflect, reflect, reflect, correct and continue. Because we would love to share those out on these episodes to help other be it till you see it. Listeners rock what they got. You know, like, we're in this together, right? A couple episodes of FYFs ago, like, talked about, like, how, when you stand up for yourself, it's Maya Angelou, is like, without knowing that you are actually standing up for all women, right? And I think that's really cool. Think it's really cool. So on these episodes, I share something that inspired me, something that's a win from you, a win of mine, and then a mantra. Lesley Logan 1:32  So on Instagram, I saw this, Flau'jae Johnson is eliminating 5 million of dollars of debt for Louisiana families, that's right, you guys, the LSU basketball star and business major is teaming up with Experian to erase $5 million in medical debt for 5000 families in Louisiana, while also championing financial education. Women are at the heart of the global economy making the majority of a household purchases, purchasing decisions. Yet only 30% of women worldwide are considered financially literate. The gap isn't just about money, it's about power, independence and opportunity. You know what's bigger than basketball? Financial empowerment, Johnson says, and she's leading by example. Flau'jae, you're fucking a badass. So y'all can follow her. She's got 2 million followers. She's amazing. She's kicking ass in basketball. And, like, I just love that she's able to use, use this to do change. You know, I just think, wow, it's amazing. Can you imagine being in those families, maybe we shouldn't have to have those families. They shouldn't have to have this medical debt. But like, I love that she's doing this, and I love that she teamed up with companies who can make this happen, so that that not only are they out of that debt, but then women are learning how to be financially literate from a young age. I'm just obsessed. So thank you for inspiring me, babe, that is what I needed this week. Lesley Logan 2:44  All right, let's get to a win of yours. All right. This one is from Sonia Ahmed. Had my first professional branding shoot. Photo shoot yesterday, got pics with my clients in my studio, some of me in the studio, and then some of me out and about on my laptop for my consulting work. I'm so excited. It's so nice to have photos like, it is a win when you're like, okay, I'm gonna do it. I'm gonna plan this. I'm gonna do this thing. Because, like, it's just we need them. We need them. I, like, how, I hate prepping for a photo shoot, and I'm so glad when I do, because, like, oh my God, then you have the things to show off, the thing that you want to do. You know, we need those things. People need visuals of like, the badass that you are. So way to go, Sonia, way to also bring people in along on that journey. Lesley Logan 3:25  And then Ainsley Walker wrote, this week's mat practice went great. I caught up with Jen L., Jen M. and Kim. We moved, explored, had fun and geeked out all those. Kim's detail for thinking blew my mind and raised questions that really got me thinking. Thank you. I learned from all of them. I booked in with Gen M to get my nutrition looked at. I'm going. I'm excited and so happy that this is happening. I thought about it for ages, and here she appeared. Head colds suck, but the second one, I've decided to take the day off knowing that I don't have clients coming to my home for three days. Feels like a good break. And I'm still doing mat classes tomorrow, but it takes the pressure off for rest. I'm so happy to be in this group and excited for the next weekend. You know, I actually really love all these wins. Ainsley has like several different ones in there, like different categories. And I love that you're first of all celebrating all of them, like all these different things. But it is a win when we go, you know what, I, I can do this much, but I can't do that much with this head cold. So I'm going to do this much, and I'm gonna take a break off of that much. I love that you found someone you trust to actually do the thing you've been wanting to do with that nutrition plan. I love that you find time to work out with other women, and then you are inspired by the way that they think where that's the cool thing about community. We're all not going to have the same strengths, so we can utilize other people's strengths where we might not see things and then see things from a different perspective. That's the point of this episode, right? You, you guys all sharing your wins allows people to see what are wins in their life. And like, we can like, learn different things. So I just thank you all so much for sending them in. These, really, were wonderful and lovely, and I love reliving them with you. Lesley Logan 5:04  So my loves, my win. Let's get into it. Okay, so I actually have two wins for you, because I didn't celebrate one with you back at the beginning of June, and I want to celebrate it. And then I have another win that, like I hope, is like practical. So big win-wise, the team and I planned a year in advance spring training. We do this annual way for people to experience OPC, and we're constantly trying to find what's a different way. Tell people trust that if they sign up for an online platform, they will actually use it, and that it can get them the results that they want. When all the marketing is telling them they should do Reformer Pilates and they're not realizing that they can do mat work at home and have great results, and yet, maybe they still go do Reformer Pilates, but then, if they only can go once a week, they're actually gonna get the results that they're trying to get from the Reformer right? So every year we try to do this, and I'm not gonna lie, like we had this brilliant idea, we, like, went to bat for it. In January, had a big call about how the marketing plan was gonna go, all these things, and in it actually wasn't really working the way we wanted. And one of the wins is that we actually took the time to do a massive pivot, which is not easy to do, because it means a lot of people having to work again on something, but like, if something's not working, change it right? So we did that, and we had it made us, forced us to, like, reflect, like, what? How do we help people understand that this week of Pilates is actually exactly what they've been asking for, right? Because you have to make sure that it's understandable in their words. And we had the best time. It was so fun. We had so many people sign up. OPC members got to sign up for free. They showed up in the hundreds. We had tons of people from all over the world joining us live for these classes, and we had these Q&A's. And that was also a really amazing time. And that was just great and grand. And we wrapped it up on Pilates Day. And I don't always do something on Pilates Day because, to be honest, like, we provide so much free Pilates content all the time. I don't usually have the have it in me to do something on that day, but we actually got to have a really massive Pilates Day with our OPC members, with these spring training people and just celebrate, like, how amazing Pilates is when a bunch of people join the OPC membership after it and like, whether or not, like, we hit our number goals doesn't really matter, because the win is in that as a team, we acted as a team that could, you know, when we look back at like, what we did, like, we made changes where we needed to to make things happen. And so I don't have the numbers in front of me to share them with you, but like, I'm so proud of our team, I'm so proud of what we did. I'm so proud of the teachers. I'm so proud of the people who signed themselves up for something. It's not easy to do that, and so that's awesome win. The other win, a little more practical, a little smaller, is that, you know, it gets hot in Vegas. It sneaks up on you. It's really only, like, not tolerable, you know, like 90 days of the year. The rest of the time, it's either just nice and warm or it's perfect. So at any rate, we're usually caught off a little, on off guard, and we're traveling and we're busy, and we like, oh, I gotta put that on. We set our EVAC cooler up in the beginning of April, and so even though it's freaking hot on most days when it's under 106 degrees, we can run this EVAC cooler, so we're not paying a fuckton in energy bills. And the house is actually cooler, and it's really awesome, and I'm super obsessed with it. So I'm just so proud of Brad and I after it's our fifth summer in this town, and we, like, nailed it. We worked ahead, we thought about it, and we are not dying at night. And also, I don't know if you remember a win that we had back in the beginning of the year, we got I told Brad, I was like, I cannot do another summer hot. Like, I'm not even having hot flashes, but I'm like, freaking too hot at night, and it's not gonna get better. Like, we all know what's coming. So like, how can we prepare for this? And he got this bed jet thing, and I can actually have cool air on me in the bed. So, like, you still have to have the air on it won't it's not an air conditioner. It's pulling from the air that's outside, but it's actually making it so, like, I'm, like, the perfect temperature as I sleep. I'm getting the best sleep because of it. So you guys, if summer suck for you, like, first of all, make changes to your life so that you can, it can be better. So you get your sleep that you need, and you can stay hydrated, but also mark your calendar for months in advance of the heat where you are, so you can make the changes you need to make before it sneaks up on you. And then it's like, oh my God. Then you're in it, and you're tired. When you're hot and tired, you're bitchy, and it's just not fun. It's not fun. So anyways, those are our big wins. June was, oh my God, the year has been so great. There's a lot going on that's not great, but there's also stuff that's going on that's great. That's why this episode exists. Lesley Logan 9:29  All right, your mantra, I'm capable of balancing ease and effort in my life. I am capable of balancing ease and effort in my life. I am capable of balancing ease and effort in my life. Yes, you are, babe. Yes you are until next time, Be It Till You See It. Lesley Logan 9:45  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod. Brad Crowell 10:27  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 10:33  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 10:37  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 10:43  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 10:48  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Transcribed by https://otter.aiSupport this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

BOSSes Anne Ganguzza and Tom Dheere, your "real bosses" and co-hosts, connect to dive deep into the critical world of online security and scam prevention for voiceover professionals. They unpack Tom's recent harrowing experience with an AI voice cloning scam, offering a candid look into the crucial insights needed to navigate digital threats and build a truly secure business in today's landscape. Listeners will discover the essential role of vigilance and proactive measures in protecting their assets, gain an understanding of emerging scam tactics, and appreciate the power of community in safeguarding their careers. Anne and Tom also discuss practical pathways for secure transactions and the evolving nature of digital defense.   00:01 - Anne (Host) Hey guys, it's Anne from VO BOSS here.  00:04 - Speaker 2 (Announcement) And it's George the Tech. We're excited to tell you about the VO BOSS. Vip membership, now with even more benefits.  00:10 - Anne (Host) So not only do you get access to exclusive workshops and industry insights, but with our VIP plus tech tier, you'll enjoy specialized tech support from none other than George himself.  00:22 - Speaker 2 (Announcement) You got it. I'll help you tackle all those tricky tech issues so you can focus on what you do best Voice acting. It's tech support tailored for voiceover professionals like you.  00:32 - Anne (Host) Join us guys at VO BOSS and let's make your voiceover career soar. Visit voboss.com slash VIP-membership to sign up today.  00:45 - Speaker 3 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO boss. Now let's welcome your host, Anne Ganguzza. Hey, hey, everyone, welcome to the VO BOSS Podcast.  01:04 - Anne (Host) I'm your host, Anne Ganguzza. Hey, hey everyone, welcome to the VO BOSS Podcast. I'm your host, Anne Ganguzza, and I'm here with my real boss, Tom Deere. I had to think about that, Tom. We've been together so long. I was like what is our subtitle here? We are real bosses.  01:20 - Tom (Host) Yeah, we're real bosses. Thanks for having me back, Anne.  01:23 - Anne (Host) How are you doing, Tom, my real boss? Co-host.  01:26 - Tom (Host) All things considered, I'm doing okay, I had a weird experience recently which it seems like a lot of voice actors are experiencing. I got an email from someone expressing interest in wanting to cast me for a voiceover project. Oh yes, I looked at it and it was this long-form project, something like 9,000 and change words. And I looked at it and I'm like and you know I was reading the ins and outs of it and I'm like, huh, like my spider sense was tingling a little bit, but I'm looking at, I'm like this one is worth replying to and getting some information about.  02:00 So there was a little bit of back and forth about it.  02:03 - Anne (Host) So you did reply, and then there was.  02:05 - Tom (Host) There was more conversation.  02:06 - Anne (Host) Yeah, there was more conversation, which is what I always do when I'm trying to find out more information about a job to make sure it's legit.  02:12 - Tom (Host) Right Now, around the same time, maybe a couple of days after that, someone posted on a Facebook group hey, I got this email. It was saying this and this Did anyone else get it? Does it seem legit? And it looked like it was the same email that I had gotten, so I was following that it turns out.  02:28 It was posted by our friend, bridget Real, who is the co-founder of VA for VO, the virtual assistant site that helps voice actors, and we talked about it a little bit and we're both like, yeah, we're going to keep digging a little bit and see what's going on. And then her business partner, lynn, also got the email and I was getting ready to accept it just to see what would happen. And that morning I got a message from her saying hey, did you accept this project? Yet I'm like no, why? And she said because both of us accepted the project. We both got cast for the same exact project. We both got the same exact script. They sent me the script.  03:00 So then I did this. I went to Gemini, google Gemini, which is my AI bot of choice, and I did the prompts. I said you are an expert at detecting scams. Please analyze this script and let me know if you think that this script could be used to harvest a voice actor's voice to clone it. A voice actor's voice to clone it. And it did its analysis and I've got like the 2.5 advanced. So it takes a little time. And it wrote back oh, yes, it does. And here are all the reasons why this, this, this, this, this, this and this. And then I sent that information to Bridget and Lynn and they're like we knew it. We knew it. So then she created a wonderful post on LinkedIn talking about it. And then I wrote a blog with all the information and, like what happened, it was the most read blog I've had in like three years or something like that.  03:52 Yeah, it was crazy.  03:53 - Anne (Host) What's so interesting is it could have been a legit job, like for payment. You would have done it, they would have paid you for it, but they would have used your voice as an AI voice.  04:05 And so therefore, legally right in the end. Right, if you found out later on they could say, oh no, no, no, we paid you. I mean, it was a job that we paid you for and there was no extenuating circumstances or contracts to be signed which, by the way, I'm going to bring up Nava and the AI writer For all your jobs. You should be attaching that AI writer so that your voice is not going to be used as an AI voice, for sure, for sure.  04:37 - Tom (Host) So, to let everybody know, the website was GigLumin G-I-G-L-U-M-I-N. And if you do a Google search of GigLumin and this is what Bridget had figured out is that the website was only a month or two old. And there's these scam websites that you can enter the URL of a website in and it can tell you how likely that's a scam. It checked every red flag, every box, every single box.  04:56 - Anne (Host) So, yes, vo people, bosses, beware, right. So beware of emails. And you know, it's funny because it's lately, just because of the whole AI thing. Anytime I get an email with a job from someone that I don't know, right, that is just out of the blue, that I didn't audition for, where they have large amounts of words, the hairs on the back of my neck kind of stand up and I immediately, immediately check into it. And I think this really warrants a discussion, bosses, because it's very timely that you want to make sure that these jobs are legitimate. So the more research you can do. And I love, Tom Dheere, how you used AI to fight AI Again.  05:37 We had our previous episode on tools that we use. I mean, we are utilizing it as a tool to help us in our day-to-day jobs, and so I think, being aware of possible scams out there, we absolutely have to be, and I'll tell you if it's somebody that I've never heard of and they don't have a signature file. I've gotten to the point where I don't even like and it's not like from a company.com. I don't even literally take it seriously anymore. I don't know about you, Tom, what do you think?  06:05 - Tom (Host) Yes, I'm equally skeptical these days but, I, really like what you said about when you receive the email, check to see if there is a signature at the Tom of it with the company logo, website and contact information. That is one of many red flags and I don't know how much you've noticed lately, Anne, but since I would say about early April, there has been an explosion of scam attempts going on in the voiceover industry. We've had the overpayment scam. That's been going on for at least 10 or 15 years.  06:37 - Anne (Host) Gosh, at least, and bosses. If you haven't heard about it, Tom, let's talk about the overpayment scam for just a minute. Yeah, yeah, Okay so what happens is it's very common.  06:45 - Tom (Host) It's very common. It's been going on for a really long time. So basically they email you and say hey, we've got a project for you, da-da-da-da-da-da. The classic one was the game show host voiceover.  06:55 - Anne (Host) It has since evolved.  06:56 - Tom (Host) And basically they say that we've booked a studio in the area nearby. We're going to get paid or pay for the studio and then send us back the difference and something like that. And it's never a gig.  07:12 - Speaker 2 (Announcement) All they're trying to do is get you to cash that check and send them money, which is fraudulent, by the way.  07:18 - Anne (Host) And, by the way, I've gotten to the point where, if I have a new client, the only way they can really pay me is electronically.  07:25 And I figure, if you don't have electronic means to pay me immediately before the job and it's even in my terms and I've done this for years, Tom, I always have payment in full prior to job start is appreciated and other options available upon request.  07:39 But if it's a new client, I'll take that out because I must have that money in my bank account before I will even consider finishing that job or sending a file. And I'll tell you what, Tom for all of my career it's worked for me Because if people are serious about hiring you, they know that you're a professional, they know that you're going to get the job done. Of course they have to put their faith in you. But in reality and I'll even say because you're a new client I require payment up front electronically. And here are the ways that you can pay me. And so I'll send them, like a QuickBooks invoice, or I'll give them a PayPal account or however that works, and I expect that money in the account and I wait for that money and I make sure that I have the money and then I'll proceed with the job.  08:21 - Tom (Host) That's a really good idea. There's nothing wrong with even asking for 50% or 25% or just some percentage of it. The fact that they're actually going to fork over money with no expectation of an overpayment or getting it back or disputing the payment or anything like that.  08:37 Once it clears, you know that they're serious. And there's a bunch of like. I use Wave apps, for example. That's a great way to do it and I'm pretty sure they can do a partial payment. Or you can just make one invoice just for the deposit and then issue another invoice for the balance If they're a legitimate client that actually has money that they're planning on paying you with, they would have no problem with paying at least a portion of it up front.  08:59 - Anne (Host) Yeah, a lot of my clients nowadays the larger clients that used to like work off of purchase orders, and then it would be like 90 days after the job has been submitted. We'd have to wait for that check, they'd have to generate the PO and everything. You'd sign contracts like vendor contracts and that sort of thing, which I've done a lot, and so if they've got a contract for you to sign, that's vendor, nda, that sort of thing, and you know the company. It's like a well-known company. They're on the web. They've been on the web for years. I mean you can pretty much trust in that where I'll do the job and then I'll get paid. If I've worked with them before, I know that's typically how larger companies work and so that's when I'll accept a check. But even now most of those companies they're going to electronic deposit, like ACH they call it.  09:42 ACH, yeah, so it's direct deposit to your bank and most of the companies I know will do that and that's a form of payment that I trust and that would be a client that I would trust. So if it's a larger company that I know they exist on the web and they talk about, well, you're going to have to do the job first and then we'll be able to pay you once the purchase order is created, blah, blah, blah, blah, and you sign these contracts. I feel fairly good about that and I don't have to think, oh, this is a scam. But whenever I get an email without an actual signature file that comes from an address that isn't companycom, right, if it's a Gmail or a Yahoo or whatever, even a Microsoft what is the free Microsoft one?  10:20 Hotmail, hotmail, yeah, even if it's Microsoftcom, I feel like there's some sort of free sort of Microsoft. You know what I mean Like email that says that I just don't trust it and I'll immediately. The first thing I'll do is look for a website and when I get to the website I'll look for a phone number and then I'll actually try to call that phone number. What are the steps that you take, Tom, to ensure that your job is legit?  10:41 - Tom (Host) Everything that you just said. I also, by the way, I do love the ACH direct deposit because there's no fee. When PayPal, there is a fee, or wire transfer. That's really nice. Here's one thing that I've been doing lately is, if I get a we'll call it a solicitation, for lack of a better term from a company saying hey, and it'll most often be we found you on Google, we found you on Voice123 or some other front-facing thing. You know what's an interesting thing to do? Go look for them on LinkedIn.  11:11 Look for them on LinkedIn. Look for the company and look for the individual and see if you have any mutual connections. I mean, it could be anybody, whether it's a voice actor or somebody in some other profession, and you can reach out on LinkedIn and say, hey, I got an email from this company and you have a connection with them on LinkedIn. What's your experience with them? And that could give you some really quick insight. Sometimes it's just like, oh, I've been working with them for years, or it's oh, they're a huge scam. I forgot to disconnect with them. Run, run, run. Or I'd sent a rando invite, or they sent a rando invite and I don't have any information for you. But it could increase your chance of vetting them a little bit better. Another thing is that I keep an eye out, for is if they ask me to send them a W-9, the more likely that they are legitimate.  12:00 Yeah, yeah, absolutely, which I find interesting because if they were a real, true scam artist, they would want that W-9, because now they would have your social security number and now they can steal your identity too.  12:11 - Anne (Host) Well, oh my gosh, Tom, and that's scary actually, but that's why you don't put your social security number. You put your EIN number, because you're a company right, and you don't have to give up your EIN number, which is, by the way, one thing. I'm glad you mentioned that like we should all be having an EIN number. I'm glad you mentioned that, like we should all be having an EIN number.  12:30 - Tom (Host) Yes, it's very, very simple to get. It takes very, very little time. So it's a very easy get. I just reminded myself and we just talked about identity theft is that I almost had my identity stolen yesterday.  12:43 - Anne (Host) Whoa, that's scary. Yes.  12:45 - Tom (Host) How do you?  12:46 - Anne (Host) know like what happened.  12:51 - Tom (Host) Okay, so it was about a little after 10 am yesterday is when things started happening, so within a few minutes of each other, I got an email from Credit Karma, norton which, because I have my Norton 360 antivirus software package, I pay a subscription through that and Experian. For those of you who don't know, there are three major credit bureaus there's Experian, there's TransUnion and there's Equifax. I have a free account with Experian and I have a free account with Credit Karma. All three of them, within a few minutes of each other, messaged me and said that there was a hard inquiry.  13:30 - Anne (Host) Yeah.  13:30 - Tom (Host) So what that means is if you are applying for a loan, a mortgage, a credit card or something like that, the company that you're applying to will do a credit check. So they will check your credit and see if you are a safe credit risk to make the loan or to get the credit card, for this was a hard inquiry. If you get enough hard inquiries on your credit, your credit will go down.  13:55 - Anne (Host) Yeah, absolutely. I know that because I'm a stickler about my credit.  13:59 - Tom (Host) Me too. My credit rating, oh my gosh. If mine isn't at least 800, something I freak out, oh my gosh.  14:04 - Anne (Host) Yeah, no, mine has to be like almost close to perfect, and when it goes down like two points, I'm like wait why? Why did that happen? Right? And it's just because you put a charge on it for a few hundred dollars, and then you pay it off next week and then everything's fine, so that's normal.  14:18 - Tom (Host) So all three of them told me at roughly the same time that there was a hard inquiry. So I clicked on all the emails and all three of them said that somebody was applying for a Discover credit card, I think in Salt Lake City, and someone was applying for a Capital One credit card in Delaware, and I was in New York City neither applying for a Discover credit card or a Capital One credit card. I certainly wasn't in Salt Lake City or Delaware at the same exact time.  14:49 - Anne (Host) You know, what's so interesting, Tom, is that, like I don't know, a few months ago I don't know if there was a discussion circulating or maybe I got an email but somebody said, and like I should have done this years ago, I mean you can freeze your account so that if you don't open up a credit card every other day which I'm certainly not right Because again, it affects my credit rating and I'm anal about that and so I'm like well, I don't need to apply for any other credit cards, so you can go and freeze that, so that you can actually reduce the risk of somebody trying to open up credit cards or identity theft.  15:19 So and it's super simple to do it, as I said, everybody should have that free account. You should log in, you should check your credit scores regularly I think they allow you once a month, I think even my credit cards. My American Express will tell me oh, your FICO score has changed, right, so they're monitoring it too, and so literally, I get lots of notifications when that rating goes up and down. But I know that I've reduced my chances of identity theft, which is a very scary thing, by freezing those accounts and it's very simple to unfreeze. So, if you know you want to apply for a credit card. You just got to go and unfreeze it for a certain amount of time so you can apply for it and then freeze it back up again. So that way it reduces the risk.  15:57 - Tom (Host) And all those emails that I got, all those notifications did give me the option to do that. I was also able to say this because it, literally, when Norton 360 popped up and it took me to their website, it literally said is this you and you can check yes or no? And I wrote no and then the whole screen turned red saying okay, we know this is a problem, we will look into it.  16:17 It did it with all those and then I called Capital One Bank. It took me a few people. It had to get escalated a couple of times to the credit card fraud department.  16:25 - Anne (Host) Well, don't you say, they give you a special number, right?  16:27 - Tom (Host) They say call this number if it's not you, or you can call this number. I just called the general number because all that was on the notification, I think, was the Capital One in Salt Lake City or something like that. So I called directly and said please state your problem. I'm like I think I'm getting my identity stolen. And then it got up there and then they manually rejected the credit card application at least for the Capital One.  16:50 And then this morning I got another Credit Karma email saying that there was a check on my Equifax report not the Experian one and I looked at the date of it. It also said yesterday. So that means Credit Karma had my back twice and Experian had my back and Norton had my back twice. Right, right, and Experian had my back and Norton had my back and everybody bosses. This is the takeaway. Creditkarmacom is free, having an account with Experian is free, it doesn't cost you a nickel.  17:18 - Anne (Host) All of them TransUnion, they're all free TransUnion, Equifax, they're all free.  17:23 Exactly and you can check your scores and, like I said, a lot of banks and a lot of credit cards are actually adding that on as like a value add kind of service, but you don't have to pay anything for it. I think there's a lot of it going on, Tom, which is kind of scary. We got to be careful about scammers, that's for sure. And anytime, even in your email, right, if you get like again, if I find something that doesn't have a signature and then they have an attachment like PayPal has been well-known scams where you get like oh, you've got a PayPal invoice, right, and you have to pay this amount and it looks legit. I mean, they've got like the PayPal logo. I've gotten quite a few of those over the last six months.  18:01 - Speaker 2 (Announcement) And.  18:01 - Anne (Host) I just ignore anything. Just remember that most financial institutions will never email you for information and they'll never text you necessarily for that information either, and you should also, Tom. We should have a big discussion on having multi-factor authentication.  18:19 - Tom (Host) Yes.  18:19 - Anne (Host) This is extremely important.  18:21 - Tom (Host) It's annoying as hell or two-factor, two-factor authentication For every account that you have, especially the financial ones, you should have two-factor authentication, which means either they send you a text message and you just click on the link and you're good to go, or it sends you an email and it'll usually give you a passcode of some sort and then you go to the website. When you're trying to log on, you enter that passcode and then it'll let you do it, and most of them are only good. Some of them are only good for 30 days. Sometimes you can check a box saying this is my private computer. It's okay for a certain amount of time, or they make you do it every single time, which isn't the worst thing in the world. Yes, it's annoying.  18:55 - Anne (Host) You know what I just thought about. It is annoying but it keeps you safe. It's funny how much like value you put in that number, that phone number, in this phone which, by the way, I just got a new phone but in this number for the two-factor authentication, right Like text me at this number. So think of the power that these phone companies have right, and that is scary. I mean it used to be a thing where I always thought like the large scale communication companies were a little bit of a monopoly, depending on the area that you're in. I mean, when I lived in the East Coast it was always Verizon right, verizon everything, verizon this, verizon that. Out here it's a couple of different companies but still, if you think about it, I mean I'm glad to have the two-factor authentication and it's super convenient on the phone.  19:39 But, it's interesting to know that you wouldn't want the hackers to get smart right and then start really infiltrating the phone, you know, and impersonating a phone number.  19:50 - Tom (Host) There's a couple of things about that is that, when it comes to authentication, when you're logging on your phone, I've got it set up where I just use my thumbprint for a lot of it.  19:59 - Anne (Host) I love that, or Face ID yeah the Face ID is a great one.  20:05 - Tom (Host) There's also a thing for a lot of the websites where I have a personal PIN that has nothing to do with the PIN or the password to access the site itself. If I am using my phone to log in somewhere, I can enter a four-digit PIN that's different from everything else, so it also increases the chance of having a secure whatever. Also, just as a rule, I don't do anything financial on my phone, with the exception of like Venmo Well, I have mobile banking If I'm like sending money if, like me, and the guys are having pizza, you know what I mean.  20:31 - Anne (Host) I have mobile banking and I do have Apple Pay.  20:35 - Tom (Host) Well, I have GPay too.  20:36 - Anne (Host) Yeah, so.  20:36 - Tom (Host) I'm a Google guy but like I will unless to my bank accounts online or Wave app or Wise or PayPal on the phone, unless I absolutely have to.  20:49 - Anne (Host) Interesting. I go to them quite a bit. Actually, you're probably fine because of all the precautions that you're taking, but I'm just a little extra neurotic about it. Oh, it's constantly got multi-factor authentication, but I get that. I totally get that. Wow, yeah, being careful, and you know what.  21:02 What's interesting is, back in the day and I'm going to date myself when I was working at the school and we had text-based email okay, and text-based email, I could have something and it was all based on like the Unix systems and so like hacking into a text-based, like I don't know how to say this, but hacking into a system like that, like a Unix system, and reading your email with text-based, you didn't always have like the conditions of people attaching things that could be viral, loading a virus on your computer. So I was always proud to say that I used text-based email and I used something called a PGP signature, which was a digital signature at the time, which meant that when I sent mail out, my PGP signature, it would actually negotiate and verify with the person that I would send it to so that it could be a verified digital signature. That indeed, yes, this mail did come from me, and I think that Norton probably has something like that now right. Is that with your email or no?  21:59 - Tom (Host) Yeah, it has all kinds of functions.  22:01 And it works on my desktop and it works on my laptop and it works on my phone. The most important function that it has is when I'm not home and I'm on my phone or my laptop or my tablet is the VPN when you can turn it on to make sure that if you're using Wi-Fi at a cafe or something like that, that it's secure, because apparently there are people who just like sitting around at a Panera or a Starbucks with their laptop and just waiting for someone to have an insecure Wi-Fi connection and they can just steal their life right there through their own laptop.  22:31 - Anne (Host) Well, it's funny how this conversation has turned into a big security conversation, starting off with scamming. Which guys you got to be aware? It's one of the reasons why, for all of my years and because of my years working in technology, I like wired connections. I mean Wi-Fi. I mean it's a wonderful technology and it's convenient as anything. However, it's not as secure as a wired connection, because a wired connection is basically, you know, your digital numbers flowing back and forth along a wire, versus all this information out in the air where, if somebody is sitting outside of my home, they can possibly hack into my wireless network and then they can run some sort of a tracer to see and to actually get my passwords, which is something that you don't really want that to happen. So you should really be cautious, guys, and I think it's always a good idea that, if you are working from home, if you have the opportunity to have a wired connection to your router, I think that that's better rather than using Wi-Fi. Number one it's more stable, right, it's faster and it's also more secure.  23:32 - Tom (Host) I agree. If you have a desktop at home and you are doing any kind of recording or you're doing basically anything, you should have an ethernet connection. That yellow wire with the big old phone jack that plugs right into the back of your computer and plugs into your Wi-Fi router.  23:47 - Anne (Host) And it sounds old school, but it's still the most secure method of data transfer.  23:51 - Tom (Host) Without question so if you are recording from home. If you're doing whatever from home, you have a desktop ethernet. If you have a laptop, I are recording from home. If you're doing whatever from home, you have a desktop Ethernet. If you have a laptop, I think the newer laptops don't even have an Ethernet connection. I have to think about my laptop and whether I even have one anymore, and here's the simple reason.  24:06 - Anne (Host) Think about it. It's a wire, guys. It's a wire. It's not like data floating around in the air which people can listen to. Somehow the frequency of the data traveling in the air right? Wi-fi works on frequencies when your data is traveling via a wire like a physical cable, unless somebody like I don't even know, unless they tap into that wire, right, somehow.  24:26 I don't know how they do that, and we're talking about your wire in your house going from your computer to your router. Right, that's as secure as it gets, right, unless somebody's coming into your house and hacking into the wire and tapping into it.  24:38 - Tom (Host) You've got some foreign embassy bugging your home.  24:41 - Anne (Host) Yeah, yeah, doing some fancy work, you're not going to have to worry about your data being transferred. So if you're working on the internet right, at least the data that's transferring from your house to your router is absolutely secure. And then it's up to your internet provider right on the router, to their routers, to make sure that things are encrypted, things are secure and for the most part I mean that's been handled right. I mean there are hackers out there that they can hack into networks. They can hack into things like that, but you want to be as safe as you possibly can, so wired is best.  25:14 - Tom (Host) Yes, it's fascinating. We talk about hard security and soft security, yes, that's hard security, that's hard security.  25:20 - Anne (Host) So, if we go back to talking about the scams that are floating around these days, one thing I wanted to mention is I think one of the best applications for groups, facebook groups and social media groups and discussion groups is for that thing, so that you and Bridget were talking to one another about this job that you both got, and then it's really wonderful that we can come together as a community and protect each other right and say, hey, look, watch out for the scam. So it is one of the best advantages, I would say, of being a part of the social media groups in that way. Otherwise, we've talked about how it's hard to sometimes they're toxic, sometimes it's really hard to be on social media. But I would say one of the best reasons to be on social media, in those groups and in those forums, would be because of the protection that you're getting of us banding together and saying, hey, watch out, this is a scam.  26:09 - Tom (Host) Absolutely, it's one of the most important things. Community is more than just about you know rah rah and whoop whoop and you know we support you and feel better if you're feeling down, but like just actual education, along with inspiration and commiseration can literally save your identity Absolutely.  26:27 - Anne (Host) Wow, what a great conversation, Tom. So bosses out there, be aware of scams. Be cautious. Research, research. Take a look at those signatures when you get emails coming in, when you get something that's asking for lots of words and a good price and it seems too good to be true, guess what it might be. So make sure that you're communicating with the community as well, checking those jobs out and attach that AI rider to every one of your jobs. Now, it's simple. It's there at NAVA and it's free. You can attach that rider to every job. If you have a new client, make sure you're very careful with the payment options. You know we spoke about that. I always make sure I get money up front, or partial money up front, first to make sure that it's a legit client. What else did I miss, Tom, in this recap?  27:14 - Tom (Host) Hardware and software VPNs.  27:16 - Anne (Host) EINs yes.  27:19 - Tom (Host) Oh yeah, VPNs, EINs, Two-factor authentication.  27:20 - Anne (Host) I love it. Yeah, Make sure you guys are implementing all of that to keep yourself safe and secure. So great topic, Tom. I like geeking out like this.  27:30 - Tom (Host) Yeah, it's fun and helpful.  27:31 - Anne (Host) Yeah, I'm going to give a great big shout out to my sponsor, IPDTL. You too can connect and network like real bosses. Find out more at IPDTL.com. Guys have an amazing week and we'll see you next week.  27:52 - Speaker 3 (Announcement) Bye. Join us next week for another edition of VO BOSS with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at voboss.com and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution, with permission. Coast-to-coast connectivity via IPDTL.   

Healthcare providers are under increasing pressure to meet consumer expectations without adding an administrative burden. According to a survey conducted by The Harris Poll in June 2024, 18% of the 2,092 American adults who were surveyed had received an unexpected medical bill of $1,000 or more in the past year, and 50% said they would not or weren't sure they could pay it. Moreover, 10% said they would delay or avoid essentials such as food or rent as a result. This financial uncertainty remains a leading reason patients delay or avoid care, underscoring the urgency of enhancing the patient financial journey to safeguard outcomes and revenue.What strategies can help health systems deliver a personalized patient experience while reducing operational complexity?On Highway to Health, host David Kemp speaks to Nicole Rogas, the President of RevSpring, about how the company is transforming the patient financial journey using data, automation, and empathy. Rogas shares how RevSpring is evolving far beyond its print roots, using analytics and adaptive technology to make financial engagement more personalized and accessible for patients, while easing the workload for providers.Key Highlights from the Episode:Personalized Communication at Scale: RevSpring's Engage IQ™ platform uses behavioral data, financial analytics, and communication preferences to tailor how and when patients are engaged via text, email, print, or voice.The Biggest Social Determinant: Rogas emphasizes that financial access is one of the most overlooked social determinants of health. When patients cannot understand or afford their care, it disrupts treatment adherence and outcomes.Empathy and Innovation in Leadership: Rogas reflects on her journey from Experian to Simpler and now RevSpring, underscoring how authentic leadership and mission-driven teams create the conditions for lasting transformation.Nicole Rogas is a veteran healthcare technology executive with over two decades of leadership experience spanning revenue cycle management, healthcare operations, and patient engagement. She spent 19 years at Experian Health, rising from sales roles to Chief Commercial Officer, where she led national growth strategies, client success, and post-acquisition integrations. Now President of RevSpring, she continues to drive innovation in patient financial engagement by leveraging data, technology, and a people-first leadership philosophy.

Melinda Zabritski, Experian's head of automotive financial insights and one of the analysts among this year's Automotive Intelligence Award recipients, returned for another appearance on the Auto Remarketing Podcast. Zabritski described what elements were in place to help banks gain more market share during the first quarter, what's intriguing about the buy-here, pay-here market, and trends that previously generated headlines but now are common.

Amid increased vehicle values, a rise in vehicle repossessions and continued tariff-induced uncertainty, Auto and powersports players are implementing new leadership, positioning themselves for growth and weighing incentives to weather macroeconomic challenges. Prices for every major vehicle segment except compact cars saw a year-over-year increase in May, according to Cox Automotive data published June 6. EV values and used-vehicle values may be normalizing after a pre-tariff purchase surge, according to Jeremy Robb, senior director of economic and industry insights at Cox Auto. The rate of 30-day plus auto delinquencies fell 18 basis points YoY in the first quarter, according to an Experian report released June 5. Auto inventory also fell in the regions covered by the Federal Reserve banks of Philadelphia and Cleveland, prompting higher prices, according to the Fed's June 4 edition of the Beige Book. National repossession assignments reached 2.1 million year to date through April, though lenders are delaying filing repossession papers. In the nonprime space, lenders are looking at using AI technologies and speeding funding time while preparing to slow their activity in the wake of tariffs, according to panelists at the Non-Prime Auto Financing Conference on June 4 and 5, respectively.  Amid supply chain concerns and tariff-induced market uncertainty, captives are meeting with their OEM partners and deciding whether to keep incentives they began in response to the tariffs.  Meanwhile, powersports lender Ironhorse Funding, which funds more than $20 million per month in originations, is seeking over $120 million in forward-flow commitments. In the marine world, dealers have reported a rise in repower, or boat engine replacement sales. In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris, Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush discuss trends in affordability and powersports for the week ended June 6.  

Today, I'm chatting with Shri Santhanam, the  EVP of Software Platforms and Chief AI Officer of Experian North America. Over the course of this promoted episode, you're going to hear us talk about what it takes to build useful consumer and B2B AI products. Shri explains how Experian structures their AI product teams, the company's approach prioritizing its initiatives, and what it takes to get their AI solutions out the door. We also get into the nuances of building trust with probabilistic AI tools and the absolutely critical role of UX in end user adoption.   Note: today's episode is one of my rare Promoted Episodes. Please help support the show by visiting Experian's links below:     Links Shri's LinkedIn Experian Assistant | Experian Experian Ascend Platform™ | Experian 

Ever wonder what a "good" credit score is? And how is that even measured? According to FICO and Experian, a good credit score is...Well check out the episode to learn more! And ways to get a good score and how to get to a GREAT credit score!Questions@creditkristi.com

Frank Arellano, founder and CEO of Revolv3, peels back the curtain on a staggering $600 billion problem plaguing the payments industry that few executives fully understand. False declines - legitimate transactions incorrectly rejected by payment processors - account for a shocking two-thirds of all credit card declines. For subscription-based businesses, this translates into devastating levels of involuntary customer churn.Drawing from his 25 years of experience at companies like Ingram Micro and Experian, Frank explains how Revolv3's intelligent payment optimization platform tackles this challenge head-on. Unlike traditional payment gateways, Revolv3 analyzes over 100 different data elements in every transaction to build trust with issuers and dramatically improve approval rates. The results speak volumes: merchants using Revolv3's platform achieve an average 14% increase in approval rates and nearly 30% growth in total revenue from decline management alone.What sets this conversation apart is Frank's holistic view of the payments ecosystem and its future trajectory. He predicts embedded finance and predictive capabilities will dominate the next few years, with increased focus on tokenization and regulatory compliance over the next decade. For professionals entering the fintech space, Frank offers invaluable advice: understand how money moves throughout the entire ecosystem, rather than focusing on just one aspect. 

In this eye-opening episode, Matt Edmundson unpacks the costly problem of involuntary churn with Frank Arellano, CEO of Revolv3. Discover how payment processing glitches silently drain revenue from subscription businesses, with a staggering 10-14% of eCommerce orders declining and two-thirds of these being "false declines" - costing businesses $600 billion annually.Frank shares his journey from Experian executive to payment optimization pioneer, revealing how addressing this hidden problem can instantly increase revenue without additional marketing. With practical insights on increasing payment approval rates and using AI for better payment processing, this conversation unveils strategies that can transform your subscription business's bottom line.I wonder how many of us are unknowingly losing customers and revenue through these payment glitches?Are we spending too much time on voluntary churn while ignoring the silent killer of false declines?What might happen if we took a closer look at our payment processing statements and understood our true approval rates?The conversation reveals that many business owners simply don't know their payment approval rates - but this metric could be hiding significant untapped revenue potential.For more information about reducing involuntary churn and optimizing your payment processing, visit our website for strategies to improve your effective collection rate and increase your subscription business revenue.ResourcesFrank's company Revolv3: https://revolv3.comShownotes: https://www.ecommerce-podcast.com/the--600-billion-payment-problem-secretly-destroying-your-bottom-line-with-frank-arellanoFrank's Email: frank.arellano@revolv3.comFrank's LinkedIn: https://www.linkedin.com/in/frankarellano/Matt's LinkedIn: https://www.linkedin.com/in/mattedmundson/Instagram: https://www.instagram.com/ecommercepodcast/ Website: https://www.ecommerce-podcast.com/

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

I'm joined by Rod Griffin, Senior Director of Public Education and Advocacy at Experian, to unpack some surprising insights from their latest survey on paying off debt. You'd think paying down debt would instantly feel like a weight lifted – but for many, it's not that simple. Rod shares why some people don't feel that immediate impact and what you can do to make the most of your financial progress. In this episode we discuss:  The unexpected emotional disconnect some people experience after paying off debt. Why a three-month period may be key to fully feeling the benefits of being debt-free. How mindset shifts – not just willpower – are essential for staying out of debt. Why having cash on hand might not prevent people from taking on more debt. How social media can fuel unnecessary spending and financial pressure. The concept of quiet debt and why so many people struggle to talk about it. How open conversations about money can alleviate shame and guilt. The critical difference between credit and debt – and why that distinction matters. You'll walk away knowing: Paying off debt can have emotional benefits, but not everyone feels a significant change immediately. A three-month period is often needed to fully feel the impact of paying off debt. Mindset shifts are crucial for staying out of debt; willpower alone isn't enough. Having cash on hand may not prevent people from taking on debt. Social media can create pressure to keep up with others, leading to unnecessary spending. Finding personal anchors and understanding true needs can help manage debt. People are looking for ways to both reduce expenses and increase income to manage debt. Quiet debt refers to hidden financial struggles that people often don't discuss. Shame around money is common, but open conversations can relieve that pressure. Credit and debt are different; understanding this can help manage finances better. Follow the show so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this enlightening episode of About That Wallet, host Anthony Weaver is joined by Christina Roman, a credit expert and passionate advocate for financial literacy for Experian. Together, they explore the journey of overcoming financial hurdles, tackling budgeting woes, and building a stellar credit score.Christina shares her personal story of transforming her credit score from the 400s to the 800s, revealing the lessons learned from her past mistakes and the impactful strategies she adopted along the way. With her experience working at one of the top credit bureaus, she provides invaluable insights into the intricacies of credit scores, the importance of budgeting, and how to avoid common financial pitfalls.This episode is packed with practical advice for those in the Sandwich Generation, focusing on how to manage finances effectively while juggling multiple responsibilities. Christina emphasizes the significance of intentional spending, understanding credit utilization, and the power of open conversations about money within families.

In this episode of the Wise Decision Maker Show, Dr. Gleb Tsipursky speaks to Shri Santhanam, EVP & GM of Platforms, Software, and AI at Experian, who talks about their four-pronged Gen AI strategy.You can learn about Experian at https://www.experian.com/

Andrew Amann, CEO and Co-founder of NineTwoThree Studio, is driven by a passion for building great products and embracing the entrepreneurial journey alongside his team and clients. We learn about Andrew's journey as a founder and his philosophy of finding joy in the process. He introduces The AI Operating System, a practical framework that helps companies adopt AI with clarity and speed. The system begins by building an internal knowledge base, then moves into deploying simple AI agents to automate repetitive tasks, and culminates in managing these agents through a Super-Agent that orchestrates workflows and interacts with external systems using natural language. --- Build Your AI Operating System with Andrew Amann Good day, dear listeners, Steve Preda here with the Management Blueprint Podcast. And my guest today is Andrew Amann, the CEO and co-founder of NineTwoThree Studio, an AI consulting agency, building products for funded startups and established brands such as Consumer Reports, NPR, and Experian. Andrew, welcome to the show. Thanks for having me, Steve. It's a pleasure to be here. Great to have you. And I will start with my favorite question as always, what is your personal “Why,” Andrew, and how are you manifesting it in your business? Sure, so we've been at this for 12 years, and I believe that many entrepreneurs would answer that question depending on the year that they're in. As you grow, my personal”Why” originally was to build the biggest company to be on the tallest building in Boston and to have the logo basically replace Fenway Park. And that dream has has sailed. I don't think I'm interested in that anymore. It seems aspirational and I think necessary when you're starting a company to have those levels of aspirations and dreams because you have to run through things that most people wouldn't and you have to achieve things that most people would give up on. So the journey of entrepreneurship, I've discovered that my “Why” is to be part of the journey. I've read a lot of books recently, basically around the philosophy of the process of like Siddhartha is a great example, or The Alchemist, or even Life of Pi. That's been my last year of inner research about what I want to be when I grow up. And what I discovered in all three of those books is the journey is what matters, the story is what matters, and the process of success, the process part is what matters. And many entrepreneurial friends, they sell their business and they lose that aspect of their lives because they forget that the process was what was fun. The ability to learn, the ability to grow, and the ability to be part of the team is what I truly admire. So when I was asked this question in a CEO group, they said, Andrew, what do you want to do next? I said, I kind of want to do the same thing I'm doing now. And they said, well, who do you wanna work with? And I said, the teammates that I currently have. And they said, well, what type of clients do you want? And I said, the clients we currently have. And so I think my “Why” is just kind of living in the moment, being part of the process, being successful, but also supporting the teammates that we have so that they can be prosperous, that they can find their purpose. They can be great problem solvers, but they can also be great providers for their family. And so my “Why” is to support that journey and that process that we're going through right now. Wow. Okay. Well, you look very young for having such a wise “Why,” but it's good. You shortcut the process. I do agree that the journey is the destination, perhaps. It definitely is very important. And as an investment banker, I can testify that sometimes you saw businesses for people and then they fall into depression because they lost their identity. They didn't know how to recreate the success that they were having along the way. And so that's pretty awesome. So having said that,

Thanks to our sponsors: Gametime: Download the Gametime app today and use code TITUS for $20 off your first purchase DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 4/13/25 at 11:59 PM ET. Sponsored by DK. Experian: Go to the App Store and download the free Experian app now! Venmo: Get in on the games with Venmo & DraftKings. Look for the Venmo button in the DraftKings app to fund your account today. American Home Shield: It's a good day to warranty. Visit https://ahs.com/TITUS for 20% off any plan. New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer. Rhoback: Use code TITUS on https://rhoback.com for a generous 20% off your first purchase through the end of this week Subscribe to The Mark Titus Show: https://www.youtube.com/@marktitusshow?sub_confirmation=1 Follow the show on all socials: Twitter: https://twitter.com/MarkTitusShow Instagram: https://www.instagram.com/marktitusshow/ Facebook: https://www.facebook.com/MarkTitusShow Tiktok: https://www.tiktok.com/@marktituspod?lang=en Listen on Podcast platforms: Spotify: https://open.spotify.com/show/2TPzE6Oo17yQ0IbLmo5AvY Apple Podcasts: https://podcasts.apple.com/us/podcast/the-mark-titus-show/id1673616227 Follow Mark Titus: Twitter: https://twitter.com/clubtrillion Instagram: https://www.instagram.com/marktheshark34/ If for some reason you see this, subscribe to mostly sports for a hi five. IYKYK.

Qasim Ijaz Qasim Ijaz is the director of cybersecurity at a leading healthcare organization, overseeing detection, incident response, vulnerability management, purple teaming, and cybersecurity engineering. With a strong background in offensive security and risk management, he has helped organizations strengthen their defenses against evolving threats. He is also a dedicated educator, mentoring professionals and sharing his expertise at conferences such as BSides and Black Hat. You don't need to go far in the news these days to find out that another organization was hacked. Data breeches are a nightmare scenario for both leaders and the people they support. In this episode, Qasim and I explore what your team and you can do to be a bit more prepared. Key Points Use multi-factor authentication, passphrases, and a password manager. Freeze your personal credit reports. Do this for free directly with Experian, Equifax, and TransUnion. Leaders in bigger roles (executives, CEOs, board members) are larger targets for hackers due to their access and also their ability to occasionally side-step organizational guidelines. It's the non-technical pieces of a cyber response that organizations are least prepared for. Conduct incident response and disaster recovery tabletop exercises to uncover vulnerabilities before an attack. Regardless of organizational policy, employees will use AI. The best prevention assumes the inevitability of human behavior and works with it to improve systems. Resources Mentioned Recommended password managers: 1Password, Apple password app, Proton Pass Critical Security Controls by the Center for Internet Security Resources for Small and Medium Businesses by the Cybersecurity & Infrastructure Security Agency 2024 Data Breach Investigations Report by Verizon Business Related Episodes Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Where to Start When Inheriting a Team in Crisis, with Lynn Perry Wooten (episode 603) How to Use AI to Think Better, with José Antonio Bowen (episode 689) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.

Gillie & Wallo sit down with NBA Superstar and World Champion Jaylen Brown

Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 4/13/25 at 11:59 PM ET. Sponsored by DK. Gametime: Download the Gametime app today and use code TITUS for $20 off your first purchase Venmo: Get in on the games with Venmo & DraftKings. Look for the Venmo button in the DraftKings app to fund your account today. American Home Shield: It's a good day to warranty. Visit https://ahs.com/TITUS for 20% off any plan. New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer. Experian: Go to the App Store and download the free Experian app now! Subscribe to Mostly Sports with Mark Titus and Brandon Walker on Youtube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1 Subscribe to The Mark Titus Show: https://www.youtube.com/@marktitusshow?sub_confirmation=1 Follow the show on all socials: Twitter: https://twitter.com/MarkTitusShow Instagram: https://www.instagram.com/marktitusshow/ Facebook: https://www.facebook.com/MarkTitusShow Tiktok: https://www.tiktok.com/@marktituspod?lang=en Listen on Podcast platforms: Spotify: https://open.spotify.com/show/2TPzE6Oo17yQ0IbLmo5AvY Apple Podcasts: https://podcasts.apple.com/us/podcast/the-mark-titus-show/id1673616227 Follow Mark Titus: Twitter: https://twitter.com/clubtrillion Instagram: https://www.instagram.com/marktheshark34/ If for some reason you see this, subscribe to mostly sports for a hi five. IYKYK.

PAT BEV | Son of a Boy Dad #289 -- Adam, Harry & Rone are joined by Patrick Beverly for the ladder half of the pod -- #Ad: Go to the App Store and download the free Experian app now! -- #Ad: Go to https://vuori.com/BOYDAD for 20% off your first purchase. Exclusions apply. Visit the website for full terms and conditions. -- #Ad: Grab Popeyes new lineup of bold, pickle-flavored products on Uber Eats. Try them all while they're here! -- Follow us on our socials: https://linktr.ee/sonofaboydad -- Merch: https://store.barstoolsports.com/collections/son-of-a-boy-dad -- SUBSCRIBE TO THE YOUTUBE #SonOfABoyDad #BarstoolSportsYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/sonofaboydad

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions NEW HATS ARE LIVE: https://store.barstoolsports.com/collections/mostly-sports Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Jägermeister: Check Jägermeister out at http://barstoolxjagermeister.com. Drink Responsibly, Jägermeister Liqueur 35% alcohol by volume. Imported by Mast Jägermeister US, White Plains. NY. Every Man Jack: Shop Every Man Jack Body Wash & Deodorant at Walmart, Target, Amazon and https://EveryManJack.com Experian: Go to the App Store and download the free Experian app now! DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 4/13/25 at 11:59 PM ET. Sponsored by DK. PorkRinds.com: Embrace the madness and use code Mostly at checkout at https://PorkRinds.com for 25% off your order. DraftKings: Bet the unexpected with DraftKings Sportsbook! Download the DraftKings Sportsbook app and use code FAMILY. That's code FAMILY to get a No Sweat parlay EVERY SINGLE DAY! Only on DraftKings - The Crown Is Yours. Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions NEW HATS ARE LIVE: https://store.barstoolsports.com/collections/mostly-sports Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Jägermeister: Check Jägermeister out at http://barstoolxjagermeister.com. Drink Responsibly, Jägermeister Liqueur 35% alcohol by volume. Imported by Mast Jägermeister US, White Plains. NY. DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 4/13/25 at 11:59 PM ET. Sponsored by DK. Experian: Go to the App Store and download the free Experian app now! PorkRinds.Com: Embrace the madness and use code Mostly at checkout at https://PorkRinds.com for 25% off your order. Venmo: Get in on the games with Venmo & DraftKings. Look for the Venmo button in the DraftKings app to fund your account today. American Home Shield: It's a good day to warranty. Visit https://ahs.com/Mostly for 20% off any plan. New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer. WWE 2K25: WWE 2K25 is available now! https://2kgam.es/4iIFiQU Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

LEGEND ALERT! Gillie and Wallo sit down with the one and only Will Smith. The West Philadelphia legend is back and better than ever, promoting his highly anticipated album "Based On A True Story". After dominating Instagram and the internet, Big Willy is making his long-awaited return to music! Will opens up about his personal journey, sharing how he's still learning and growing, and how this continuous evolution is fueling his creative process. Tune in for an inspiring conversation about growth, music, and the drive to stay authentic in everything he does.

The Mark Titus Show Episode 181 | FULL EPISODE - Alabama Makes History, Florida + Duke Roll On & Cal Chokes | Sweet 16 - Day One Reactions Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $200 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: dkng.co/dk-offer-terms. Ends 3/30/25 at 11:59 PM ET. Experian: Go to the App Store and download the free Experian app now! Venmo: Start spending your Venmo balance instantly with the Venmo Debit Card. Sign up today at https://Venmo.com/card/apply Subscribe to Mostly Sports with Mark Titus and Brandon Walker on Youtube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1 Subscribe to The Mark Titus Show: https://www.youtube.com/@marktitusshow?sub_confirmation=1 Follow the show on all socials: Twitter: https://twitter.com/MarkTitusShow Instagram: https://www.instagram.com/marktitusshow/ Facebook: https://www.facebook.com/MarkTitusShow Tiktok: https://www.tiktok.com/@marktituspod?lang=en Listen on Podcast platforms: Spotify: https://open.spotify.com/show/2TPzE6Oo17yQ0IbLmo5AvY Apple Podcasts: https://podcasts.apple.com/us/podcast/the-mark-titus-show/id1673616227 Follow Mark Titus: Twitter: https://twitter.com/clubtrillion Instagram: https://www.instagram.com/marktheshark34/ If for some reason you see this, subscribe to mostly sports for a hi five. IYKYK.

Susquehanna | Son of a Boy Dad #287 -- #Ad: Go to the App Store and download the free Experian app now! -- #Ad: Go to https://vuori.com/BOYDAD for 20% off your first purchase. Exclusions apply. Visit the website for full terms and conditions. -- #Ad: Gambling problem? Call 1-800-GAMBLER (MI/NJ/PA/WV). Help is available for problem gambling, call (888) 789-7777 or visit ccpg.org (CT). 21+. Physically present in CT/MI/NJ/PA/WV only. Void in ONT. Eligibility restrictions apply. 1 per new customer. Opt-in req. Min. net loss of $5 on eligible games to earn 100% of net losses back (“Lossback”) for 24 hours following opt-in. Max. $1,000 issued in Casino Credits for select games that are non-withdrawable, single-use, have no cash value, and expire in 7 days (168 hours). Terms: casino.draftkings.com/promos. Ends 4/27/25 at 11:59 PM ET. Sponsored by DK. -- Follow us on our socials: https://linktr.ee/sonofaboydad -- Merch: https://store.barstoolsports.com/collections/son-of-a-boy-dad -- SUBSCRIBE TO THE YOUTUBE #SonOfABoyDad #BarstoolSportsYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/sonofaboydad

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions NEW HATS ARE LIVE: https://store.barstoolsports.com/collections/mostly-sports Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Jägermeister: Check Jägermeister out at http://barstoolxjagermeister.com. Drink Responsibly, Jägermeister Liqueur 35% alcohol by volume. Imported by Mast Jägermeister US, White Plains. NY. Roman: Connect with a provider at RO.co/SPORTS to find out if prescription Ro Sparks are right for you and get $15 off your first order Experian: Go to the App Store and download the free Experian app now! Reeses: Eat Reese's Peanut Butter Cups DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT. Eligibility restrictions apply. Terms: draftkings.com/sportsbook. On behalf of Boot Hill Casino & Resort (KS). 1 No Sweat token per customer per day. Opt-in req. LEAGUE/GAME/SPORT PARLAY QUALIFYING BET bets only. Parlays req. min. X legs with odds of -XXX or longer per leg. Bet odds of +/-XXX or longer req. Must select token BEFORE placing bet. Bet must lose to receive Bonus Bet in the amount of losing bet, up to max. $XXX issued as non-withdrawable Bonus Bet that expires in 7 days (168 hours). Stake removed from payout. Tokens are single-use and expire at the end of the final game each day when offered. Terms: sportsbook.draftkings.com/promos. Sponsored by DK. Venmo: Start spending your Venmo balance instantly with the Venmo Debit Card. Sign up today at https://Venmo.com/card/apply Twin Peaks: Tune in for the tournament at Twin Peaks for your chance to win $500 every round https://twinpeaksrestaurant.com/locations WWE2K25: WWE 2K25 is available now! https://2kgam.es/4iIFiQU Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions NEW HATS ARE LIVE: https://store.barstoolsports.com/collections/mostly-sports Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Jägermeister: Check Jägermeister out at https://us.jagermeister.com/. Drink Responsibly, Jägermeister Liqueur 35% alcohol by volume. Imported by Mast Jägermeister US, White Plains. NY. Gametime: Download the Gametime app today and use code MOSTLY for $20 off your first purchase Experian: Go to the App Store and download the free Experian app now! DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT. Eligibility restrictions apply. Terms: draftkings.com/sportsbook. On behalf of Boot Hill Casino & Resort (KS). 1 No Sweat token per customer per day. Opt-in req. LEAGUE/GAME/SPORT PARLAY QUALIFYING BET bets only. Parlays req. min. X legs with odds of -XXX or longer per leg. Bet odds of +/-XXX or longer req. Must select token BEFORE placing bet. Bet must lose to receive Bonus Bet in the amount of losing bet, up to max. $XXX issued as non-withdrawable Bonus Bet that expires in 7 days (168 hours). Stake removed from payout. Tokens are single-use and expire at the end of the final game each day when offered. Terms: sportsbook.draftkings.com/promos. Sponsored by DK. Venmo: Start spending your Venmo balance instantly with the Venmo Debit Card. Sign up today at https://Venmo.com/card/apply American Home Shield: It's a good day to warranty. Visit https://ahs.com/Mostly for 20% off any plan. New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer. Twin Peaks: Tune in for the tournament at Twin Peaks for your chance to win $500 every round https://twinpeaksrestaurant.com/locations WWE2K25: WWE 2K25 is available now! https://2kgam.es/4iIFiQU WWE2K25: WWE 2K25 is available now! https://2kgam.es/4iIFiQU Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Does the slipper still fit? What happened to the Cinderella story? On this Monday episode of "Fearless," Jason asks the question — where is this year's feel-good story? March Madness has always been about the unexpected underdog, the Cinderella team that captures the nation's heart. But this year? The magic seems to be missing. Could the NIL era be to blame for the tournament's increasing predictability? It's not just the action on the court that feels off; March Madness commercials are drowning in virtue-signaling. Companies like Home Depot, Experian, and Gatorade are putting NCAA women's basketball stars front and center, while male athletes take a back seat. That's right — men are now being used as props to highlight female athletes. Steve Kim joins the show to break down the current landscape of college basketball. Meanwhile, UConn women's head coach Geno Auriemma has a full-blown meltdown, complaining about Arkansas State having to travel 45 minutes from the team's hotel to play. When will women's sports stop leaning into the victimhood narrative? Outside March Madness, ESPN's very own Stephen A. Smith gets exposed as “the Angry Black Man” by a network producer in a secret interview. Is this a hit job, or is the truth finally catching up to Stephen A.? Plus, did Steph Curry actually sink that viral full-court shot, or is there more to the story? And with Jameis Winston now leading the New York Giants, what can fans expect from the new signal-caller? Finally, Jason and Steve Kim pay tribute to one of the greatest athletes of all time — boxing legend Big George Foreman. A jam-packed episode of "Fearless" you won't want to miss! ​​Today's Sponsors: PreBorn PreBorn's Network of Clinics are on standby for women in their darkest hour and they meet them with God's love and free services to help them choose life. To donate, dial pound 250 & say the keyword “BABY” or donate securely at https://preborn.com/FEARLESS. Frontier 2 Go to https://BlazeUnlimited.com/fearless RIGHT NOW and use promo code Blaze500 to get $40 off your subscription. This isn't just about reading Frontier. It's about living it. So don't wait—get in on this NOW, before it's too late! Relief Factor With Relief Factor, you'll feel better every day, and you'll live better every day. Get their 3-Week QuickStart for only $19.95 – that's less than a dollar a day. Call 1-800-4-Relief Or Visit https://ReliefFactor.com  Fearless Army Roll Call 3.0 Roll Call 3.0 continues the mission of men encouraging each other to pursue holiness and the execution of The Great Commission (Matthew 28: 19-20) by seeking alliance and fellowship with men who share our faith, values and commitment to obey our Lord and Savior. Join hundreds of like-minded men in Nashville on May 2nd-3rd for this important conference. Lunch will be included. Tickets are available right now at https://www.fearlessrollcall.com. SHOW OUTLINE 10:33 March Madness Tournament Lacks a Cinderella Story 32:49 A plethora of Commercials Feature Female College Players Over Males 46:02 Steve Kim: March Madness Tournament Lacks a Cinderella Story 52:58 Steve Kim: A plethora of Commercials Feature Female College Players Over Males 56:28 Geno Auriemma Objected to Arkansas State's 45-minute Bus Ride From Their Hotel 01:01:11 Stephen Curry Makes Insane One-Handed Shot From Outside Full-Court 01:03:08 Two-Time Heavyweight Champion George Foreman Passes Away at age 76 1:21:41ESPN Employee Calls Out Stephen A. Smith for Being ‘An Angry Black Man We want to hear from the Fearless Army!! Join the conversation in the show chat, leave a comment or email Jason at FearlessBlazeShow@gmail.com Want more Fearless content? Subscribe to Jason Whitlock Harmony for a biblical perspective on everyday issues at https://www.youtube.com/@JasonWhitlockHarmony Learn more about your ad choices. Visit megaphone.fm/adchoices

Rufus | Son of a Boy Dad #285 -- #Ad: Go to the App Store and download the free Experian app now! -- #Ad: Go to https://vuori.com/BOYDAD for 20% off your first purchase. Exclusions apply. Visit the website for full terms and conditions. -- Follow us on our socials: https://linktr.ee/sonofaboydad -- Merch: https://store.barstoolsports.com/collections/son-of-a-boy-dad -- SUBSCRIBE TO THE YOUTUBE #SonOfABoyDad #BarstoolSportsYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/sonofaboydad

In this powerful episode of Million Dollaz Worth of Game, Gillie and Wallo sit down with rapper Casanova, who calls in from Federal Prison to share his story. Casanova opens up about his current situation, how he's staying strong, and the people who have been holding him down during this challenging time. He breaks down how RICO charges work and gives an inside look at what it's like fighting for his life behind bars. Plus, Casanova shares a hilarious story involving 50 Cent that you don't want to miss. Tune in for a great conversation about the realities of prison life, the justice system, and survival. Like, comment, and subscribe for more exclusive content from Million Dollaz Worth of Game! Powered by: Planet Fitness - We're All Strong on This Planet™. Join today in-club, online or in the free PF app New Amsterdam Vodka - Find your wins with New Amsterdam Vodka Body Armor - Get your BODYARMOR Flash I.V. today at a local 7-Eleven or on Amazon! https://www.drinkbodyarmor.com/flash-iv-sports-drink/ Draftkings - Download the DraftKings Sportsbook app and use code GILLIE. GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 3/16/25 at 11:59 PM ET. Sponsored by DK. Experian - Go to the App Store and download the free Experian app now! Jackpocket -GAMBLING PROBLEM? CALL 1-800-GAMBLER, in NY Call 877-8-HOPENY or text HOPE-N-Y. 18 or older (19+ in Nebraska, 21+ in Arizona). Jackpocket is not affiliated with any State Lottery. Void where prohibited. 1 per new customer. Enter promo code at checkout for $2 non-withdrawable credit. See terms at jackpocket dot com slash tos slash free slash ticket slash promo. Sponsored by Jackpocket. Based on 2024 iOS download data collected by Sensor Tower.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/mworthofgame

The Mark Titus Show Episode 175 | FULL EPISODE - End Of Season Awards Thanks to our sponsors: Experian: Go to the App Store and download the free Experian app now! JackPocket: GAMBLING PROBLEM? CALL 1-800-GAMBLER, in NY Call 877-8-HOPENY or text HOPE-N-Y. 18 or older (19+ in Nebraska, 21+ in Arizona). Jackpocket is not affiliated with any State Lottery. Void where prohibited. 1 per new customer. Enter promo code at checkout for $2 non-withdrawable credit. See terms at jackpocket dot com slash tos slash free slash ticket slash promo. Sponsored by Jackpocket. Based on 2024 iOS download data collected by Sensor Tower. Venmo: Start spending your Venmo balance instantly with the Venmo Debit Card. Sign up today at https://Venmo.com/card/apply Subscribe to Mostly Sports with Mark Titus and Brandon Walker on Youtube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1 On today's episode Mark and Ohio's Tate recap the games from the conference tournaments, Mark gives out his all American teams and more. We'll be back with a new episode on Sunday! Follow the show on all socials: Twitter: https://twitter.com/MarkTitusShow Instagram: https://www.instagram.com/marktitusshow/ Facebook: https://www.facebook.com/MarkTitusShow Tiktok: https://www.tiktok.com/@marktituspod?lang=en Listen on Podcast platforms: Spotify: https://open.spotify.com/show/2TPzE6Oo17yQ0IbLmo5AvY Apple Podcasts: https://podcasts.apple.com/us/podcast/the-mark-titus-show/id1673616227 Follow Mark Titus: Twitter: https://twitter.com/clubtrillion Instagram: https://www.instagram.com/marktheshark34/ If for some reason you see this, subscribe to mostly sports for a hi five. IYKYK.

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions NEW HATS ARE LIVE: https://store.barstoolsports.com/collections/mostly-sports Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Jägermeister: Check Jägermeister out at http://barstoolxjagermeister.com. Drink Responsibly, Jägermeister Liqueur 35% alcohol by volume. Imported by Mast Jägermeister US, White Plains. NY. Highland Film Group: Exclusively in Theaters March 21. www.locked-movie.com DraftKings: Gambling Problem? Call 1-800-GAMBLER. Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT). 18+ in most eligible jurisdictions, but other age and eligibility restrictions may apply. Valid only in jurisdictions where DraftKings Pick6 operates. Pick6 not available everywhere, including, but not limited to NY, and CA-ONT (for up-to-date list of jurisdictions please visit pick6.draftkings.com/where-is-pick6-available). Void where prohibited. 1 per new Pick6 customer. $5+ first Pick Set to receive $50 issued as non-withdrawable Pick6 Credits that expire in 14 days (336 hours). Ends 4/6/25 at 11:59 PM ET. Terms: pick6.draftkings.com/promos Sponsored by DraftKings. JackPocket: GAMBLING PROBLEM? CALL 1-800-GAMBLER, in NY Call 877-8-HOPENY or text HOPE-N-Y. 18 or older (19+ in Nebraska, 21+ in Arizona). Jackpocket is not affiliated with any State Lottery. Void where prohibited. 1 per new customer. Enter promo code at checkout for $2 non-withdrawable credit. See terms at jackpocket dot com slash tos slash free slash ticket slash promo. Sponsored by Jackpocket. Based on 2024 iOS download data collected by Sensor Tower. Reeses: Eat Reese's Peanut Butter Cups Experian: Go to the App Store and download the free Experian app now! Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Too Hands | Son of a Boy Dad #282 -- Harry, Adam & Francis are back together in studio -- #Ad: Go to the App Store and download the free Experian app now! -- #Ad: Son of a Boy Dad is sponsored by BetterHelp. Visit https://BetterHelp.com/SON today to get 10% off your first month. -- Follow us on our socials: https://linktr.ee/sonofaboydad -- Merch: https://store.barstoolsports.com/collections/son-of-a-boy-dad -- SUBSCRIBE TO THE YOUTUBE #SonOfABoyDad #BarstoolSportsYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/sonofaboydad

Philly's own Fridayy stopped by the studio to promote his new album "Some Days I'm Good, Some Days I'm Not". Gillie & Wallo have been tight with Fridayy for a while so this was long overdue! Go stream his new album available now. Powered by: New Amsterdam Vodka - Find your wins with New Amsterdam Vodka DRAFTKINGS - Download the DraftKings Sportsbook app and use code GILLIE. GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 3/16/25 at 11:59 PM ET. Sponsored by DK. Stash - Go to https://get.stash.com/DOLLAZ to see how you can receive $25 towards your first stock purchase and to view important disclosures. Roman - Connect with a provider at RO.co/MDWOG to find out if prescription Ro Sparks are right for you and get $15 off your first order Experian - Go to the App Store and download the free Experian app now! Jackpocket - GAMBLING PROBLEM? CALL 1-800-GAMBLER, in NY Call 877-8-HOPENY or text HOPE-N-Y. 18 or older (19+ in Nebraska, 21+ in Arizona). Jackpocket is not affiliated with any State Lottery. Void where prohibited. 1 per new customer. Enter promo code at checkout for $2 non-withdrawable credit. See terms at jackpocket dot com slash tos slash free slash ticket slash promo. Sponsored by Jackpocket. Based on 2024 iOS download data collected by Sensor Tower. BET+ - Watch Lil Kev, now streaming on BET+You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/mworthofgame

Nick Murphy Returns | Son of a Boy Dad #280 -- Harry & Adam are joined by a friend of the program -- #Ad: Go to the App Store and download the free Experian app now! -- #Ad: Connect with a provider at RO.co/SON to find out if prescription Ro Sparks are right for you and get $15 off your first order -- Follow us on our socials: https://linktr.ee/sonofaboydad -- Merch: https://store.barstoolsports.com/collections/son-of-a-boy-dad -- SUBSCRIBE TO THE YOUTUBE #SonOfABoyDad #BarstoolSportsYou can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/sonofaboydad