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Obwohl der FC Augsburg nicht mehr von der Spitze grüßt, hat das Team von Trainer Manuel Baum nach drei Spieltagen mächtig auf sich aufmerksam gemacht. Im Fokus steht dabei Baum selbst, der im Vorjahr für Sandro Wagner übernommen hat, es ist seine zweite Amtszeit als Trainer des FCA; eigentlich war der 47-Jährige als Leiter der Innovationsabteilung beim Fußball-Bundesligisten angestellt, ehe er für Wagner auf den Trainerstuhl gewechselt ist. Jetzt greifen die bayrischen Schwaben mit ihm sogar die Europa-Ränge an. „Ich finde es sehr beeindruckend, was da passiert ist“, sagt Almuth. Durch seine Stationen in den U-Nationalmannschaften sowie im Nachwuchs von RB nach seiner ersten Augsburger Zeit „hat er sich weiterentwickelt“, meint sie. „Ich glaube, das ist sein Ansatz als Talenteschleifer“, ergänzt Roman. Unter Baum haben sich gerade einige Profis ins Blickfeld der deutschen Fußball-Nationalmannschaft gespielt. Nun dabei sind Finn Dahmen und Hennes Behrens. „Ich weiß nicht, wie er sie packt, aber er ist einer der meistunterschätzten Trainer der Bundesliga schon letzte Saison gewesen.“ Andre Siems, Reporter vom Bayerischen Rundfunk, ist Gast-Experte dieser Folge. Er sagt: „Der Trainer ist der Baum-meister der Mannschaft. Jetzt aber kommen die Härtetests im Oktober gegen Bayern, Freiburg, Leipzig, dann Dortmund. Ein Luftschloss ist es nicht, Europa wäre trotzdem eine kleine Sensation.“
Check for FREE if you are due a refund in 60 seconds at: https://refundclub.co.uk/clubat22 Join us live at 8 PM for Club Deck Corner on Club at 22 - The Rangers Podcast! We are basking in the glory of a sensational Sunday performance as Rangers delivered a masterclass in the Old Firm derby. We break down the tactics, the standout individual performances, key moments, and what this massive Scottish League Cup victory means for the rest of the season. Have your say in the live chat!
Der FC Augsburg hat einen neuen Rekordtorschützen: Mit seinem Doppelpack beim 2:2 gegen Bayer Leverkusen hat Michael Gregoritsch seine Treffer 37 und 38 für den FCA erzielt und ist damit an Alfred Finnbogason vorbeigezogen, der es auf 37 Treffer für Augsburg in der Bundesliga gebracht hat. Vom Gregerl-Doppelpack profitiert natürlich auch Augsburg, das gemäß der Spielanteile gegen die Werkself nicht zwingend etwas Zählbares hätte mitnehmen müssen. Über die Rolle Gregoritschs, seine Wandlung in Augsburg und die Lage beim FC Augsburg spricht auch diesmal die Viererkette, der FCA-Podcast unserer Redaktion.Fragen, Feedback oder Themenwünsche? Schreibt uns an viererkette@augsburger-allgemeine.de. Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
Der FC Augsburg hat einen neuen Rekordtorschützen: Mit seinem Doppelpack beim 2:2 gegen Bayer Leverkusen hat Michael Gregoritsch seine Treffer 37 und 38 für den FCA erzielt und ist damit an Alfred Finnbogason vorbeigezogen, der es auf 37 Treffer für Augsburg in der Bundesliga gebracht hat. Vom Gregerl-Doppelpack profitiert natürlich auch Augsburg, das gemäß der Spielanteile gegen die Werkself nicht zwingend etwas Zählbares hätte mitnehmen müssen. Über die Rolle Gregoritschs, seine Wandlung in Augsburg und die Lage beim FC Augsburg spricht auch diesmal die Viererkette, der FCA-Podcast unserer Redaktion.Fragen, Feedback oder Themenwünsche? Schreibt uns an viererkette@augsburger-allgemeine.de. Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
Refund Club - Check for FREE if you are due a refund in 60 seconds at: https://refundclub.co.uk/clubat22 Bojan Miovski's late strike secured a dramatic 1-0 win over St Mirren at Ibrox! We digest all the action, key performances, and tactical takeaways from mid-week before turning our focus to the massive upcoming Old Firm clash against Celtic in the Scottish League Cup. Are Rangers truly ready for the derby at Ibrox? Join the debate live in the chat!
In de FCA Daily van woensdag 9 september bespreken Lars van Velsum, Mart ten Have en Alex Mazereeuw het laatste voetbalnieuws!Met vandaag onder meer een voorbeschouwing op Barcelona - Feyenoord, Real Madrid dat thuis won van Inter, NAC dat met Rick Kruys snel een nieuwe trainer binnen heeft, het vervolg van Utrecht - Eagles, NEC dat in extremis nog een punt pakt tegen Excelsior, Overmars die zijn taken neerlegt en Adel Taarabt die stopt met voetballen!Dat en nog veel meer in de nieuwe Daily!MATTSLEEPSHet Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com en krijg daar met de code FCA extra korting boven op de lopende acties!(00:00) Intro(02:00) Barcelona - Feyenoord(10:37) De rest van de Champions League avond(12:09) Real Madrid verslaat Inter(15:07) Overige Champions League wedstrijden van gisteravond(24:20) Rick Kruys nieuwe hoofdtrainer NAC Breda(29:20) Restant FC Utrecht - Go Ahead Eagles(33:35) NEC - Excelsior(38:13) Marc Overmars legt zijn werkzaamheden neer(41:15) Adel Taarabt stopt met voetballenSee omnystudio.com/listener for privacy information.
Host: Lalo Solorzano Guest(s): Arthur O'Meara Published: September 8, 2026 Length: ~15 minutes Presented by: Global Training Center Summary When goods are damaged in transit, who owns the problem—the seller or the buyer? The answer may not be as straightforward as who owns or physically possesses the goods. In this Trade Tips episode of Simply Trade, host Lalo Solorzano welcomes longtime Global Training Center instructor Arthur O'Meara for a practical conversation about Incoterms® and one of the most important distinctions in an international transaction: the difference between responsibility, possession, and ownership. Arthur shares a real-world FCA scenario involving goods shipped from the United States to Canada that were damaged by rain while in transit. Although title to the goods had not yet transferred to the buyer, the Incoterms® rule told a different story about who was responsible for the risk at the time of the damage. To make these concepts easier to remember, Arthur introduces his RePO framework: Responsibility, Possession, and Ownership. He explains why these three concepts need to be understood separately—and why the paperwork, the parties' intentions, and what actually happens operationally should all align. The key lesson: don't wait until something goes wrong to discover what your contract actually says. Main Topic / Discussion This episode focuses on understanding how Incoterms® address the transfer of possession and risk between seller and buyer—and why that should not be confused with the transfer of ownership or title. Arthur uses the mnemonic RePO: Responsibility, Possession, and Ownership to distinguish three concepts that can transfer at different points in a transaction. Using an FCA seller's facility example, Arthur explains how risk can transfer to the buyer once the seller loads the goods onto the collecting vehicle, even though ownership may not yet have transferred. When the shipment in his example was damaged by rain on its way to Canada, understanding the agreed Incoterms® rule helped determine which party bore the risk. The broader lesson applies beyond FCA: companies should regularly compare their contracts and documentation with their actual operational practices and confirm that they accurately reflect what the buyer and seller intend. Key Takeaways • Remember RePO: Responsibility, Possession, and Ownership are separate concepts and should be addressed accordingly in the transaction. • Incoterms® do not determine ownership: They address important responsibilities between buyer and seller, including delivery and the transfer of risk, but title or ownership must be addressed separately. • Know when risk transfers: Under FCA at the seller's facility, the point at which the seller delivers the goods to the buyer's carrier can determine when risk shifts from seller to buyer. • Test your paperwork before there's a problem: Create a hypothetical failure or damaged-shipment scenario, pull out the documentation, and determine whether the written agreement matches the parties' intentions and actual operations. Resources & Mentions • O'Meara and Associates • Global Training Center • The Way Things Work: Newly Revised Edition by David Macaulay — Arthur recommends this illustrated reference as an approachable way for trade professionals to better understand mechanical and engineering concepts useful in areas such as tariff classification. • Whose Problem Is It? Scenario of Incoterms FCA (RePO) — Explore Arthur's RePO concept and an Incoterms® FCA scenario in more detail. Credits Host: Lalo Solorzano Guest(s): Arthur O'Meara - LinkedIn Producer: Lalo Solorzano
In this week's episode, Dave and Dharm are joined by Colin Payne, Head of Innovation at the Financial Conduct Authority (FCA) and Chair of the Global Financial Innovation Network (GFIN), to explore how regulators are adapting to one of the fastest periods of technological change the financial services industry has ever experienced. Drawing on decades of experience leading digital transformation before joining the FCA, Colin explains how regulation is evolving from simply responding to innovation to actively helping firms develop emerging technologies responsibly. The conversation explores why regulators must work alongside industry if the UK is to remain a global leader in financial innovation. The discussion begins with Colin's role at the FCA and GFIN, where he works with more than 100 regulators worldwide to explore emerging technologies through practical experimentation. Rather than attempting to predict every technological development, the focus is on creating environments where firms can innovate safely while maintaining strong consumer protections. A major theme throughout the episode is artificial intelligence and the rise of autonomous, agentic AI. Colin explains why he believes intelligent software agents could become one of the most transformative technologies in financial services, enabling everything from personalised financial advice to automated payments and entirely new financial products. At the same time, he discusses the challenges regulators face in balancing innovation with trust, transparency and consumer protection. The conversation also explores the FCA's increasingly technology-positive approach to regulation. Rather than creating prescriptive rules for rapidly evolving technologies, Colin explains how principles-based regulation, innovation sandboxes and AI labs allow firms to test new ideas while giving regulators valuable insight into how these technologies perform in practice. Another fascinating topic is the convergence of AI, quantum computing, tokenisation and open finance. Colin discusses why these technologies should not be viewed in isolation, but as interconnected developments that will reshape financial services over the coming decade. The episode examines how financial institutions can prepare for this future while remaining resilient to emerging risks. The discussion also looks at the UK's position as a global fintech leader. Colin shares why he believes the country's combination of financial expertise, strong regulation and world-class innovation creates a unique opportunity to lead the next generation of financial services, provided industry and regulators continue working together. Finally, the conversation explores what the future of regulation itself could look like, from AI-assisted supervision and smarter regulatory technology to new ways of helping firms innovate safely without slowing technological progress. Colin shares his vision of a regulator that actively participates in shaping the future of financial services, rather than simply responding to it. For anyone interested in fintech, AI, regulation, digital transformation or the future of financial services, this episode offers a fascinating insight into how innovation and regulation can work together to build a safer, smarter and more competitive financial system.
Der FC Augsburg ist Tabellenführer der Bundesliga. Nach dem 4:1-Sieg bei Eintracht Frankfurt grüßt der FCA plötzlich von Platz 1. Einer der ärgsten Verfolger. Der SV Elversberg. Der Sensations-Aufsteiger feiert den zweiten Sieg im zweiten Spiel. Auch Borussia Dortmund schafft wie der SC Freiburg den perfekten Start in die neue Bundesliga-Saison. Verpassen tut diesen der FC Bayern. Mit einem 0:0 vergibt der Rekordmeister die ersten Punkte der Saison. Noch keinen Punkt auf dem Konto hat der HSV. Mit 0:7 und null Punkten legen die Hamburger einen Schock-Start hin.
Das gab es beim FC Augsburg noch nie: Erstmals grüßt der Verein am Ende eines Bundesliga-Spieltags von der Tabellenspitze. Viele Fans haben davon direkt einen Screenshot gemacht – so wie Trainer Manuel Baum. Wie genau der FCA diesen historischen Umstand dank eines 4:1-Sieges gegen Eintracht Frankfurt erkämpft hat, analysieren Robert Götz und Felix Gnoyke.Dabei sah es anfangs düster aus. Zeitweise verteidigte Augsburg mit elf Spielern in der eigenen Hälfte. Dass das Spiel zur Pause nicht längst gelaufen war, lag allein an Torhüter Finn Dahmen, der die Mannschaft mit mehreren Paraden im Spiel hielt.Was auch immer Manuel Baum in der Kabine geändert ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
Das gab es beim FC Augsburg noch nie: Erstmals grüßt der Verein am Ende eines Bundesliga-Spieltags von der Tabellenspitze. Viele Fans haben davon direkt einen Screenshot gemacht – so wie Trainer Manuel Baum. Wie genau der FCA diesen historischen Umstand dank eines 4:1-Sieges gegen Eintracht Frankfurt erkämpft hat, analysieren Robert Götz und Felix Gnoyke.Dabei sah es anfangs düster aus. Zeitweise verteidigte Augsburg mit elf Spielern in der eigenen Hälfte. Dass das Spiel zur Pause nicht längst gelaufen war, lag allein an Torhüter Finn Dahmen, der die Mannschaft mit mehreren Paraden im Spiel hielt.Was auch immer Manuel Baum in der Kabine geändert ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Der FC Augsburg ist erfolgreich in die Bundesliga-Saison gestartet. Beim 3:0 gegen Schalke 04 zeigte die Mannschaft von Manuel Baum vor allem spielerisch eine überzeugende Leistung. In der aktuellen Folge Viererkette sprechen Marco Scheinhof und Robert Götz mit Manuel Andre über den Auftakt.Schon vor dem Spiel gab es wichtige Personalien: Keven Schlotterbeck wechselt für 3,85 Millionen Euro plus mögliche Boni zum FC Southampton. Als möglicher Ersatz saß Juma Bah auf der Tribüne. Der Innenverteidiger steht bei Manchester City unter Vertrag und steht vor einer Unterschrift beim FCA.Auf dem Platz war Anton Kade der Spieler des Spiels. Er bereitete den Führungstreffer von ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
Der FC Augsburg ist erfolgreich in die Bundesliga-Saison gestartet. Beim 3:0 gegen Schalke 04 zeigte die Mannschaft von Manuel Baum vor allem spielerisch eine überzeugende Leistung. In der aktuellen Folge Viererkette sprechen Marco Scheinhof und Robert Götz mit Manuel Andre über den Auftakt.Schon vor dem Spiel gab es wichtige Personalien: Keven Schlotterbeck wechselt für 3,85 Millionen Euro plus mögliche Boni zum FC Southampton. Als möglicher Ersatz saß Juma Bah auf der Tribüne. Der Innenverteidiger steht bei Manchester City unter Vertrag und steht vor einer Unterschrift beim FCA.Auf dem Platz war Anton Kade der Spieler des Spiels. Er bereitete den Führungstreffer von ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
The Core Lightning security story, told responsibly. Maintainers found critical vulnerabilities and told CLN operators to shut down until the emergency release. No reported loss of funds, patch within 48 hours, source held back to slow attackers. The part that connects everything: AI found the bugs. Multiple AI-generated vulnerability reports reached the maintainers within days, the exact defending-bots era Lyn Alden described on Tuesday's show. Red teaming worked, disclosure worked, funds stayed safe. The quantum demo got covered with caveats attached. A post-quantum resistant Bitcoin transaction was mined this week, no fork required, though it takes serious compute and a direct path to a pool. Multiple approaches now exist in public. Alec's take on the institutional side of quantum: the perceived risk matters more than the technical one right now, and it surfaces at the end of client conversations whenever quantum makes headlines. Public demos shrink that perceived risk. Jackson Hole opened with Warsh's keynote ahead, and the stage read stablecoins through the debt lens. Alec's framing: dollar tokens backed by Treasuries, interest kept, amount to zero-percent financing for a debt headed multiples higher by 2050. Suze took apart the new Bank of England mandate, a stablecoin-support duty while lawful Bitcoin purchases stay blocked: "I don't think they understand how to keep financial stability, and doing it via stablecoins is not going to do that." Her receipts ran deep: Bitcoin Policy UK's consultation asked for Bitcoin to get stablecoins' payments treatment, since Bitcoin is 22% of UK digital-currency payments. Plus the Sunak flashback: a "crypto hub" speech the week the FCA made buying harder. The Flock camera conversation became the heart of the show. AI-analyzed camera networks tying databases into precrime-style profiles, up tenfold in a year, and Suze's lived version: London systems where "computer says no" and nothing can be challenged. The China comparison landed hard: social credit as the endpoint where surveillance meets behavioral scoring, and the room's point that humans' evolutionary need for social standing is exactly the lever such systems pull. The open-source answer got its due: local, self-run software, from routers to LLMs, as the household-level defense, the same architecture argument as running your own node. Brady closed with the Snowden-to-Bitcoin arc: post-2013 pessimism about digital tyranny, and Bitcoin as the discovery that made optimism rational again. "Bitcoin is hope. And we need to stay optimistic so we can do the work effectively."
A False Claims Act case used to conjure up an insider with evidence of fraud. Increasingly, it may start somewhere very different: a public dataset, a spreadsheet, and an algorithm looking for patterns.In this episode, I'm joined by Tom Suddath and David Bender of Reed Smith to talk about data-driven FCA litigation and DOJ's Focus Initiative—Broad Oversight Through Careful Use of Statistics—and what it could mean for healthcare enforcement in 2026 and beyond.Healthcare is particularly fertile ground because Medicare and Medicaid generate enormous volumes of billing data. But spotting an unusual pattern and proving fraud are two very different things. We get into the role of Rule 9(b), the importance of pleading fraud with particularity, and perhaps the hardest question for a case built largely on statistics: How do you prove someone knowingly submitted a false claim?We also talk about AI's role on both sides. The same tools that can help uncover patterns and build a complaint can help defendants find counterexamples, test assumptions, and offer innocent explanations for seemingly suspicious data.For healthcare organizations, there's a practical lesson here too: the data being mined by potential relators can also be used internally to identify compliance problems before someone else does.Jump in for a conversation about False Claims Act enforcement, healthcare fraud, data mining, AI, and what happens when an anomaly becomes the beginning of a fraud case.______________________________________Thanks for listening! If you like what you hear please give us a rating. You'd be amazed at how much that helps. If you have questions for Tom or would like to participate, you can reach him at Editor@LitigationConferences.com. Ask him about creating this kind of content for your firm -- podcasts, webinars, blogs, articles, papers, and more. Tom on LinkedInEmerging Litigation Podcast on LinkedInEmerging Litigation Podcast on the HB Litigation site
Cori Uccello, FSA, MAAA, FCA, MPP joins host Ankit Nanda, FSA, MAAA, FCA for a tour of the U.S. health insurance coverage landscape, including Medicare, Medicaid, and the ACA marketplaces. Drawing on a career as the senior health fellow at the American Academy of Actuaries, MedPAC commissioner, and Congressional Budget Office panel of health advisers member, she discusses how actuarial analysis enters policy debates, where it carries weight, and what actuaries should understand about the programs shaping the market they price in.
In de FCA Daily van donderdag 2 augustus bespreken Lars van Velsum, Rypke Bakker en Hugo Heinen het laatste voetbalnieuws!Met vandaag onder andere de wedstrijden van Ajax en Twente in de Conference League, Bissouma die gelinkt wordt aan Ajax, de Champions League loting van vanavond, Sunderland dat Paixao wil overnemen en Barcola gaat eindelijk naar Liverpool!Dat en nog veel meer in de nieuwe Daily!MATTSLEEPSHet Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com en krijg daar met de code FCA extra korting boven op de lopende acties!(00:00) Intro(00:26) Guendouzi laat zich gaan(03:50) Youtube comments(10:31) Qarabag - Twente(15:05) Wat moet Twente met Taha?(16:55) Ajax - Sion(19:20) Tsygankov officieel gepresenteerd(21:40) Bissouma nieuwe ‘6’ bij Ajax?(25:05) Champions League loting(28:50) Sunderland wil Paixao binnenhalen(30:50) Barcola naar LiverpoolSee omnystudio.com/listener for privacy information.
Wednesday, August 26, 2026 Welcome to Point of View's Wednesday show with host Kerby Anderson. He opens the show with a recap of today's top stories. Then he welcomes Deneé Barracato, Executive Director of Chicagoland FCA. She shares how FCA ministry is launching in the Netherlands. Connect with us on Facebook at facebook.com/pointofviewradio and on Twitter @PointofViewRTS […]
After years of being the market's perennial underdog, Europe is finally having a moment. In this episode Moz Afzal sits down with Gerry Fowler, Head of European Equity Strategy at UBS, to explore why sentiment on European equities has shifted and why this upgrade in tone looks structurally different from false dawns of the past.Gerry walks through the bottom-up story reshaping the market – from AI capex “late cycle joiners” in cables, turbines and semis equipment to a broadening industrial recovery fueled by German fiscal stimulus. The pair also discuss why Spain and Italy have outperformed and the bifurcated outlook for European autos.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Gerry Fowler, Head of European Equity Strategy at UBShttps://bit.ly/3WUjyItEFG:https://www.efginternational.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in secu...
In this episode, I sit down with Kevin Fasting, founder of Kevin Edward and Kerv Capital, who's built a group of 13+ recruitment JVs alongside a law firm, an FCA-regulated financial services brokerage, and a 70+ unit property portfolio, all while turning the founders he's backed into asset millionaires.We get into the financial education most people in recruitment never get, why earning good money is the easy part, and what Kevin did differently to make it compound.Connect with Kevin here: https://www.linkedin.com/in/kevinfasting/-------------------------Watch the episode on YouTube: https://youtu.be/NoWw0inwE1Q-------------------------Podcast Sponsors: Claim your exclusive savings from our partners with the links below:Sourcewhale - Check Out Sourcewhale & Claim Your Exclusive Offer Here.Atlas - Check Out Atlas & Claim Your Exclusive Offer HereRaise - Check Out Raise & Claim Your Exclusive Offer Here.-------------------------Want more content like this?The Wednesday Debrief is our free weekly newsletter for recruiters who take their craft seriously. Join 7,000+ subscribers here: https://newsletter.recruitmentmentors.com/-------------------------Get in touch with me:Linkedin: https://www.linkedin.com/in/hishemazzouz/-------------------------
Is tokenization a single, unified market or a fragmented landscape of complex risks? In this episode of the Risk Management Show, we sit down with Mark Aruliah, the Head of EMEA Policy and Regulatory Affairs at Elliptic, to explore why the shift to digital assets is an evolution rather than a revolution for the financial world. Mark brings over 25 years of regulatory experience from the FCA to discuss how institutions can navigate the three critical buckets of tokenization risk: the financial instrument, the underlying asset, and the blockchain network itself. We dive into the practicalities of T+0 settlement, the role of stablecoins, and how AI is changing the game for compliance officers and risk managers. Key insights from this conversation include:
After 13 years inside a financial advice network, Wayne Griffith and One Financial Solutions have become directly authorised by the FCA.But what does it really take to become a directly authorised financial advice firm? How long does FCA authorisation take, what are the risks, and when is the right time to leave a network?Wayne joins Sam Oakes on the Financial Planner Life Podcast to share the full story behind One Financial Solutions becoming directly authorised.The process took around 18 months, including nine months of preparation followed by a demanding nine-month FCA application. Wayne speaks honestly about the interviews, capital adequacy requirements, compliance responsibilities and the steep learning curve that comes with taking full accountability for a financial advice business.He also explains why the FCA was far more supportive than he expected and how compliance consultancy 360 helped prepare the business for direct authorisation.Why did One Financial Solutions become directly authorised?For Wayne, it came down to greater control, accountability and agility. He wanted the freedom to shape the firm's investment proposition, decide which advisers joined the business, develop future advisers and build a privately owned company capable of creating long-term wealth for its people.This is not an attack on financial advice networks. Wayne explains why networks remain essential, particularly for new advisers and smaller firms that need a “business in a box.” After 13 years of support, One Financial Solutions had simply reached a stage where its ambitions required greater independence.In this episode, we explore:• How to become directly authorised by the FCA• How long the FCA authorisation process can take• The true cost and responsibility of becoming directly authorised• The difference between a directly authorised firm and an appointed representative• Why financial advice networks remain valuable• Capital adequacy, compliance and FCA interviews• Building a centralised investment proposition• Creating generational wealth for financial advisers• One Financial Solutions' plan to grow to 100 advisers• Training trainee and junior financial planners• Why new advisers should learn marketing and build a niche• Neurodiversity within financial planning firms• How AI could change administration, paraplanning and client serviceShould your financial advice firm become directly authorised?Wayne's answer is clear: direct authorisation is not automatically better. It depends on the size, experience, resources and long-term ambitions of the business. A network can provide valuable protection and infrastructure. Direct authorisation provides greater control, but also places far more responsibility on the firm and its leadership team.If you are considering leaving a network, applying for FCA authorisation or joining a growing directly authorised financial advice firm, this episode gives you a refreshingly honest view of what lies ahead.CHAPTERS00:00 Wayne Griffith's big announcement01:10 Why One Financial Solutions became directly authorised02:19 Working with the FCA and 36004:40 Why financial advice networks are valuable06:17 When a network may stop fitting your business07:50 Control, accountability and generational wealth12:00 The reality of the FCA application process14:10 Training the next generation of advisers20:24 Marketing, lead generation and building a niche23:55 Neurodiversity in financial planning30:36 AI, upskilling and serving the mass market34:24 The future of One Financial Solutions42:49 The Hundred Club growth plan48:28 How to contact Wayne GriffithLearn more about One Financial Solutions at www.onefinancialsolutions.co.uk Financial Planner Life is sponsored by Redmill AdvanceWhether you're starting out, already qualified, or building a training academy, Redmill Advance delivers expert-led learning, exam support and CPD from Level 4 to Chartered.✅ Trusted by top UK firms
Die Maßnahme von FCA-Trainer Manuel Baum hatte bundesweit für Nachhall gesorgt: Mit Fangesängen vom Band stimmte der Coach seine Mannschaft auf die Stimmung bei der Pokalpartie in Cottbus ein. Ob's was gebracht hat? Letztlich dürfen Baum und der FCA einen grünen Haken unter die erste Runde im DFB-Pokal machen. Über die Erkenntnisse der Partie geht es in der ersten regulären Ausgabe der Viererkette in dieser Saison. Außerdem geht es um einen Spieler, der derzeit der Überflieger im Augsburger Team ist, einen anderen der eine neue Nummer hat und zwei ehemalige FCA-Kicker, die für einen Geldregen sorgen.Fragen, Feedback oder Themenwünsche? Schreibt uns ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Joe Wolfe, Attorney, Hall Render Killian Heath & Lyman PC, speaks with Robert S. Salcido, Partner, Akin Gump Strauss Hauer & Feld LLP, about the current landscape of the False Claims Act (FCA) in the health care industry. They discuss the “falsity” element and the interaction between the FCA and the Stark Law and Anti-Kickback Statute, the constitutionality of the FCA's qui tam provisions and possible Supreme Court intervention, the uptick in FCA investigations and other enforcement developments, the legacy of the SuperValu case and the impact on how FCA actions are litigated, and potential emerging government enforcement priorities. Robert is the author of AHLA's False Claims Act & The Health Care Industry: Counseling & Litigation, Sixth Edition. From AHLA's Fraud and Abuse and Hospitals and Health Systems Practice Groups.Watch this episode: https://www.youtube.com/watch?v=U_YfcwE9PJkLearn more about AHLA's False Claims Act & The Health Care Industry: Counseling & Litigation, Sixth Edition: https://store.lexisnexis.com/ahla/products/ahla-false-claims-act-the-health-care-industry-counseling-litigation-ahla-members-grpussku69720.html Learn more about AHLA's Fraud and Abuse Practice Group: https://www.americanhealthlaw.org/practice-groups/practice-groups/fraud-and-abuse Learn more about AHLA's Hospitals and Health Systems Practice Group: https://www.americanhealthlaw.org/practice-groups/practice-groups/hospitals-and-health-systems Essential Legal Updates, Now in AudioAHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Comprehensive members. Get all your health law news from the major media outlets on this podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast.Stay At the Forefront of Health Legal EducationLearn more about AHLA and the educational resources available to the health law community at https://www.americanhealthlaw.org/.
In de FCA Daily van donderdag 20 augustus bespreken Lars van Velsum, Rypke Bakker en Stan Wagtman het laatste voetbalnieuws!Met vandaag onder meer de eerste Champions League-avond van NEC tegen Bodø/Glimt, de Conference League wedstrijden van vanavond voor Ajax en FC Twente, Targhalline die gaat vertrekken bij Feyenoord en het zijspoor waar Frenkie de Jong op is geraakt bij Barcelona!Dat en nog veel meer in de nieuwe Daily! (00:00) Intro(03:13) NEC - Bodø/Glimt(18:13) Twente en Ajax vanavond in actie(31:24) Targhalline gaat vertrekken bij Feyenoord(32:46) Frenkie de Jong uitgefloten bij BarcelonaMatt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com en krijg daar met de code FCA extra korting boven op de lopende acties!See omnystudio.com/listener for privacy information.
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Colin Payne is the Head of Innovation at the Financial Conduct Authority, the UK's financial regulator, where he is building the frameworks and platforms that will define the next decade of global finance. With over two decades at the cutting edge of fintech, he has worked with startups, unicorns, central banks, and regulators across the world to turn bold ideas into real financial products without ever compromising consumer protection. He leads the FCA's regulatory innovation team, running programmes like the Supercharged Sandbox and the Smart Data Accelerator that give companies a safe space to test the future of finance under real regulatory conditions. He also chairs the Global Financial Innovation Network, bringing together regulators from around the world to align on how new technologies like AI, digital assets, and open banking should be governed. He is one of the rare people who genuinely believes that regulation and innovation are not opposites, and has spent his career proving it. On The Menu:AI, data, and tokenization reshaping finance FCA flexibility for fast-moving technology evolutionWhat regulatory credibility looks like globallyTransparency, traceability, and human oversight over machines Companies compress development from years to months Trust money without understanding the mechanicsCompute and expert guidance compress development
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
This week on This Week in AML, John Byrne and Elliot Berman examine FinCEN's record-setting $125 million enforcement action against UBS, the largest civil money penalty ever imposed against a broker-dealer for Bank Secrecy Act violations. They discuss what made the case significant, the consequences of repeated compliance failures, and the lessons financial institutions should take from the enforcement action. The conversation also covers FinCEN Director Andrea Gacki's departure for Citibank and what the appointment of Acting Director Jenna Casanova could mean for future enforcement priorities. John and Elliot then explore Senator Ron Wyden's report on financial institutions' handling of Jeffrey Epstein-related accounts, including proposed changes to suspicious activity reporting requirements and concerns about SAR confidentiality. They also review Capital One's defense of account closures tied to AML obligations and the broader debate surrounding claims of "debanking." Internationally, the hosts discuss the FCA's planned overhaul of transaction reporting requirements in the UK, ongoing challenges in accessing beneficial ownership registries across the European Union, and Transparency International's push for stronger global anti-corruption measures.
Enterprise artificial intelligence demand is booming, semiconductors remain volatile, and July's sharp sell-off has left investors asking whether the AI trade is cracking or simply resetting. Hosted by Moz Afzal, Global CIO at EFG, in conversation with Henry Walters, EFG Equity Analyst, this episode explores what drove the July wobble – from crowded positioning and leverage to rising rates and credit spreads – against a backdrop of robust tech earnings and surging AI capital expenditure. They also discuss the battle between open and closed AI models as well as the key risks that could shape where AI infrastructure spending goes next.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Henry Waltershttps://bit.ly/4wbDgiuEFG:https://www.efginternational.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing s...
Nic Cary reckons there is still up to £2m of Bitcoin buried in geocaches across Yorkshire. He hid it himself, more than thirteen years ago.He first heard about Bitcoin in 2011, on a small fishing boat on the Long Island Sound. A few years later he moved from the United States to York with a backpack and helped build the first block explorer for Bitcoin out of a two-bedroom flat near the racecourse.That project became Blockchain.com. It now has offices in six countries, an FCA registration, a MiCA licence covering Europe, and a confidential SEC filing ahead of a US listing.In this episode: • The fishing trip that started it • Why the company was built in York rather than London • The paper wallets hidden across Yorkshire, and what they were worth • From block explorer to wallet, and the case for holding your own keys • Polymarket, Snap Markets and tokenised stocks • How to explain Bitcoin without arguing with people • Why machines, not people, may make most payments within ten years • The three things he thinks everyone should readTimestamps:00:00 Coming Up00:40 Intro01:13 Hearing about Bitcoin on a fishing boat in 201106:12 Websites, clams and Pipeline CRM08:42 Why blockchain.com started in York12:46 Bitcoin hidden in geocaches across Yorkshire14:57 What it was worth at the time15:43 From block explorer to building a wallet18:03 Self-custody versus handing your money over20:26 Polymarket, Snap Markets and tokenised stocks22:20 How Nic's approach to explaining Bitcoin changed25:06 Store of value, stablecoins and peer-to-peer cash27:14 Why machines will transact in digital money29:33 FCA approval, MiCA and the SEC filing32:12 Three things everyone should read
Zum Abschluss des Trainingslagers am Achensee hat der FC Augsburg eine Torgala gefeiert: Mit 15:0 gewann der Bundesligist den einzigen Test während der Station in Österreich gegen den SC Schwaz, einen österreichischen Drittligisten. Welche Erkenntnisse von diesem dann doch recht einseitigen Spiel ausgehen, besprechen wir in der Viererkette mit unserem FCA-Reporter Marco Scheinhof.Außerdem geht es um den Abschied von Dimitrios Giannoulis. Der Transfer des Linksverteidigers zu Paok Saloniki zog sich lange so zäh wie Kaugummi - und fand am Tag nach dem Testspiel seinen Abschluss. Nachfolger Hennes Behrens hat sich beim FCA schon eingefunden, hat laut Trainer Manuel Baum das Zeug ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
We look at whether artificial intelligence is a help, or a hazard when it comes to helping you with your personal finances.One in five adults in the UK - around 11 million people - are already open to the idea of using AI to manage their finances, according to the Financial Conduct Authority. But using AI to manage our money is not without risk. The FCA, the organisation tasked with keeping us financially safe, says that regulators are in an "arms race" to keep up with AI in financial services. We speak to the man behind its new report, Sheldon Mills.And with the increase in AI useage likely to attract the scammers and the deepfakers, just how will regulation evolve to protect us?Alongside presenter Ruth Alexander and taking listener questions is Simon Belshaw who is Chief Client Officer at the investment company Hargreaves Lansdown. And we hear from Elle Farrell-Kingsley, and advocate for AI ethics who has previously worked on artificial intelligence for one of the big tech companies.Presenter: Ruth Alexander Producer: Craig Henderson Researchers: Niamh McDermott, Catherine Lund Editor: Jess Quayle Senior News Editor: Sara WadesonPictured: Sheldon Mills, Financial Conduct Authority(This edition was first broadcast on Wednesday July 8, 2026)
The ways in which regulators respond when things go wrong is continuing to evolve. In this episode of the FSR Brief, Jon Ford, Michael Tan and Eva Barbosa discuss the Financial Conduct Authority's ("FCA") Enforcement Watch 2, including consumer duty investigations and the continued use of assertive supervision alongside/ in lieu of enforcement, the Financial Reporting Council's ("FRC") changes to its Audit Enforcement Procedure to introduce new routes to resolution, including an Early Admissions Process, and the latest case brought by the Prudential Regulation Authority using the Early Account Scheme. They share insights into these different approaches and consider whether there may be learnings that could be shared across regulators. See here our blogs on the changes to the FRC's Audit Enforcement Procedure https://www.hsfkramer.com/notes/fsrandcorpcrime/2026-posts/financial-reporting-council-updates-its-audit-enforcement-procedure-with-new-routes-to-resolution and the FCA's Enforcement Watch 2 https://www.hsfkramer.com/notes/fsrandcorpcrime/2026-posts/fca-enforcement-watch-2-the-consumer-duty-moves-into-a-new-phase-of-scrutiny
Der FC Augsburg bereitet sich im Trainingslager am Achensee auf die neue Saison vor - und mittendrin ist unser Reporter Marco Scheinhof. In der Sonderfolge der Viererkette berichtet er, mit welch enormen Personen- und Materialeinsatz der FCA zu Werke geht. Ein kompletter LKW mit Ausrüstung begleitete den Bundesligisten von der Heimat nach Österreich. Außerdem geht es um die Zukunft von Torwart Finn Dahmen, die neue Situation in der Innenverteidigung mit Keven Schlotterbeck und Calvin Brackelmann sowie die - bis jetzt - insgesamt acht neuen Spieler, die der FC Augsburg für diese Saison bislang unter Vertrag genommen hat.Fragen, Feedback oder Themenwünsche? Schreibt ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
Meet John Heater, a Christ-centered servant leader with more than 25 years of experience in nonprofit leadership. Alongside his professional work, John has faithfully served in a variety of roles within his local church and brings a deep heart for ministry and people. John will begin serving in a dual role as Regional Director of Board and Donor Advancement, providing leadership and support to the SEC region. He will also continue supporting the Northwest Kentucky Metro Area ministries, helping ensure continuity, strength, and alignment. With extensive experience in donor and board development, John is passionate about cultivating strong donor relationships and building engaged, effective boards. He is excited to extend his gifts and talents through the impactful ministry of FCA.
In de FC Afkicken Daily van maandag 27 juli bespreken Lars van Velsum, Mart ten Have en Jean-Paul Rison het voetbalnieuws van afgelopen weekend! Zo werden er verschillende oefenwedstrijden gespeeld, kan Givairo Read een transfer maken naar de Premier League en gaat FCA eindelijk op fietsvakantie! Doe mee aan Coach van het Jaar via https://www.coachvanhetjaar.nl/xxlSee omnystudio.com/listener for privacy information.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
The Nations Championship delivered a final weekend of chaos as England survived a seven-card thriller against Argentina, with controversial calls, post-match bust-ups and massive performance from Manny Feyi-Waboso dominating the fallout. The lads debate whether England's successful tour has eased the pressure on Steve Borthwick, assess Ireland's costly collapse against the All Blacks at Eden Park and ask whether a gap is emerging between rugby's top three and the rest. There's also Scotland's impressive win in Fiji, another brutal afternoon for Wales against the Springboks, all the latest other news and the final Good, Bad & Ugly of Season 10. Find your forever cookware @hexclad and get 10% off at hexclad.co.uk/RUGBYPOD Check for FREE if you are due a refund in 60 seconds at: https://refundclub.co.uk/rugbypod Get £10 off Huel with the Code: RUGBYPOD or by visiting http://my.huel.com/RUGBYPOD *Refund Club is a trading style of Sandsford Law LTD. You can pursue a claim free of charge directly to your lender and then to the Financial Ombudsman Service. The FCA is likely introducing a free-to-use Consumer Redress Scheme; it estimates the average redress per agreement will be £829. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Geraint Anderson was a "City Boy"—a high-flying stockbroker who documented the pure greed and psychopathy of London's financial elite. But there's a twist: Geraint himself is on the psychopath spectrum. In this gripping interview, he reveals the ruthless tactics used by the elites to manipulate the masses and, in a chilling finale, he measures me up and exposes my own weaknesses. --- - Get Geraint's book, "How to Con Friends and Manipulate People," here: https://amzn.eu/d/03V21rfP - Beat the system with my sponsor TallyMoney. Gold you can spend. To get 50% off your activation fee, use code ANDREW50 on the activation screen: https://click.tallymoney.com/A64P/rlff183a #ad --- We dive deep into the "checklists" used to identify psychopathic tendencies, why 20% of CEOs might actually be psychopaths, and how the 2008 financial crisis allowed the most ruthless individuals to get away with "stealing from your granny." This isn't just a look at the banking world; it's a guide to recognizing the manipulators in your own life—before they find your weakness. #Psychopath #DarkTriad #CityBoy #AndrewGold #Manipulation #FinancialCrisis #TrueCrime #Heretics Chapters 00:00 – The Psychopath Checklist: Where do you rank? 03:42 – Thrill-seeking and the "ultimate job" for a psychopath 05:33 – Why the elites got away with it 10:15 – The scoring system of greed: Money as status 12:30 – Stealing from your granny: Insider trading secrets 15:10 – A bullshitter of biblical proportions 19:50 – Breaking the "Mafia code of silence" in banking 23:05 – Are world leaders and influencers psychopaths? 31:14 – Fascism vs. Wokeism: The new authoritarianism 35:48 – The physiology of a female psychopath 42:15 – Using "minions" to do your dirty work 52:12 – The ruthless world of contract killers vs. bankers 01:01:34 – How a psychopath reads your intentions 01:03:30 – He reveals my biggest weakness... 01:06:12 – How to con friends and manipulate people --- The purchase of gold and investment in bullion is not FCA regulated nor do they benefit from the protections of the Financial Services Compensation Scheme or the Financial Ombudsman Service. The value of your investment can go down as well as up. Consider the risks involved before choosing to invest. This card is issued by Transact Payments Limited pursuant to a licence by Mastercard International Incorporated Learn more about your ad choices. Visit megaphone.fm/adchoices
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In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK pensions, retirement planning, tax and ISAs. They cover pension contributions for a spouse, starting a career in financial planning, reducing workplace pension fees with a SIPP, navigating the 60% tax trap, retiring abroad with UK pensions, and upcoming ISA rule changes from April 2027. A practical episode for UK savers, investors and future retirees looking to make clearer, more confident financial decisions. Shownotes: https://meaningfulmoney.tv/QA55 01:26 Question 1 Thanks Roger and Pete for the wealth of information you share and all the time you put in to share on finance and pensions. I have listened to a lot of your podcasts on my treks to and from work and finally took the plunge to retire early at 52 to enjoy life and get away from the desk for 8-9 hours a day. I had a DB pension which allowed me to take early whilst my wife has various pensions from previous jobs but all have the rule to take from 57 onwards. So my question is to help 4-5 years down the line. Could I put £300 a month (or the equivalent of 300 minus government contribution) into my wife's pension to continue to take account of government contributions and take the opportunity of her being on below the £12k tax threshold after giving up work? Is this possible or would this be classed as pension recycling as the government would presume the cash invested is from the lump sum I got from my defined benefit pension or is there a way to prove the money is from pay before I retired? Many thanks for your advice and support giving many people greater confidence with pensions and finances. Wayne 04:10 Question 2 Hello Pete & Roger, Thanks for all the great content and information - you are both much better than any AI chatbots! Apologies for the long back story but here goes: My name is Michael, 33 and I live in central Scotland. I have worked in a tech startup for the last 6 years but felt like a change around 18 months ago so I began sitting my CII exams. To date I have passed RO1 - RO5 and also recently passed CF6. I am sitting RO6 in April this year - wish me luck! I have recently secured an opportunity to work self employed for a specialist mortgage firm and start in early May as a trainee mortgage advisor. I have been offered a set monthly payment for 6 months then a 70/30 split after that. I would hope to have achieved CAS within that 6 month period. If I pass RO6 in April, I will have my diploma. My goal is to work as a financial planner but since I've done self study, I don't have any real experience of the financial services industry. I am very ambitious but also trying to be realistic about how to sensibly map out a route to being a successful financial planner relatively quickly. To throw a spanner in the works, a family friend who is a 62 year old IFA with £30m aum is interested in discussing me joining him and eventually taking over the business. It sounds exciting but also a little scary to me. He is only a one man band. For now I've accepted the mortgage trainee position but not sure if I am doing the right thing. The owner of the mortgage company now lives in Dubai and is looking to also remove himself from his business - he has 8 admin staff who WFH from across Scotland and he is the main adviser, specialising in BTL, bridging and commercial finance. They are only authorised for mortgages by the FCA. After that dissertation, my questions are: 1. From your experience and perspective, are mortgages a decent place to start or can you end up getting stuck there? 2. Since I have no real industry experience, only exams - is my head in the clouds thinking I could be a full fledged financial planner within 2 years? 3. If I started with the mortgage firm and got CAS as a self employed mortgage advisor, could I then also be an appointed representative for a different financial planning firm at the same time or is that not actually feasible in the real world? Once again, sorry for the huge essay but I guess context is needed. Once again thanks for all that you do, not much good content out there around these topics so keep up the good work! Regards, Michael 12:36 Question 3 Hi Pete & Roger, Firstly a very big thank you for all that you do for this community. I am learning lots from you guys and feel more confident with my finances. I'm 46 years old and currently have two pensions. My first pension is in a defined benefit plan from my steelwork apprenticeship days whereby I only paid into it for approx 6 years before moving jobs. I was able to track this down late last year and was pleasantly surprised to see that this had gone from an annual amount of £2650 in July 2007 to £4400 as of October 2025. I have been told to leave this as it is as it will grow over time with inflation. My other pension is a defined contribution plan with Royal London (RL). I am a higher rate tax payer and currently pay 10% of my £58,000 annual salary into this fund and my employer pays 5%. I would like to finish at 58 given I had a serious neck injury at 41 and don't know how long my body is going to work for me)! This pot is currently worth £105,000 and I am deliberating whether to increase my contributions in order to achieve my retirement age goal. I also have a stocks and shares ISA which is currently worth £36,000. I pay £250 a month into this but don't know if it would be more tax efficient to put this £250 into my pension instead? However, I am also mindful that the pension age may increase so by having a pot of money invested in the stocks and shares ISA I can draw this down when I like and also not bear any tax implications. Having looked into the fees which RL charge (0.71% for our employers scheme) I believe I would be able to achieve my goal quicker were I to move this into a SIPP and invest in a global ETF. I have discussed this with my employer and have asked if they would consider offering an alternative SIPP option. I feel I am meeting some resistance with this and don't believe a decision will be made anytime soon. In the interim, my compounding is being eaten away by the fees which I am currently being charged and my goal is moving further away from me. I found a pension fee calculator online and at the current rate I am investing I stand to lose approx £50,000 if I keep this with RL. I am aware that I can partially transfer my RL pension. However, to keep the employer contribution I would need to keep the RL pension open with a minimum amount of funds and then transfer the employer contribution across to my SIPP. What is the best way to go about this to make it the most fee/tax efficient? Should I transfer the employer contribution as soon as it is paid to RL, or would it be no different to do it on an annual basis? I am assuming the longer I have money in the SIPP the more growth it will obtain therefore the former would be the sensible default. Am I approaching this correctly? Is there something else which I could consider? Thank you kindly, Paul 20:30 Question 4 Hi Pete and Rog - great show and love the books (but not finished them yet). Thanks for demystifying the complex world of personal finance and financial planning. I'm in the fortunate position where my projected salary and bonus will increase again for tax year 2026/27 and will take me well over the £125k tax threshold before adjustments. My 'problem' so to speak is that even after using my current year maximum pension allowance and previous years unused maximum pension allowance I can only get my adjusted income to be around £115k. Tough life I know! I can either make a large Gift Aid donation to get below £100k or use less of my unused maximum pension allowance to keep above £125k. Am I missing any other income adjustment options? What is the actual impact of not being able to hit the £100k adjusted income, and being in the £125k additional tax bracket, from a tax payment perspective in real money terms? I have some small cash savings and stocks outside of ISAs as we put most of these in my wife's name as she is a basic rate tax payer. We don't need the childcare tax scheme and not aware of any other reason to keep under £100k except to save tax and avoid the 60% effective tax rate between £100k and £125k. Don't want to let the tax tail wag the dog, and happy to give to charity, but in real terms is there actually much difference in the tax payment amount in pounds and pence (as long as I kept out of the £100k - £125k range)? Many thanks, Simon 25:33 Question 5 Hi, Fairly new listener to the podcasts, been binge watching them recently, ended up here via the meaningful money YouTube channel. Both are thoroughly enjoyable to watch and are teaching me a lot about the financial world - along with 2 other YouTube channels I like Damien talks money and James shack. Anyway my question if you have time and it's selected would be about retiring abroad. My current situation - male, 42, living north east England, working full time for NHS and will have 2 NHS db scheme pensions in retirement (1 in 2008 scheme at 65 and 1 in 2015 care scheme at state pension age). I have 2 stocks and shares ISAs, with about £95000 between them, 1 stocks and shares Lisa with about £4500 in it (for retirement not house purchase), about £21000 in premium bonds which I use as an emergency fund. Our house is paid off so no mortgage payments so at the minute can add to these savings at £500+ a month comfortable. My wife is 34 and here on spouse visa and hopefully will be eligible for indefinite leave to remain and citizenship soon (it will save us a lot in visa fees and stuff when it happens). She currently works a part time job 16hr per week at minimum wage to fit around child care for our 2year old son. 1st question is would this part time work count as a qualifying year for the state pension as it's below the personal tax allowance? We have a rough plan of retiring early hopefully once our son is grown up and finished with schooling and university and moving back to my wife's home country in Asia for the better weather and lower cost of living. As a rough plan we think when I'm 60 and wife 52 but could move later depending on family commitments. Now if I stay in NHS all that time I should have 10 years in the 2008 NHS scheme and 24 years in 2015 scheme and with conservative planning on spreadsheets will get £8000 per year from 2008 scheme and £14000 from the 2015 scheme taking at the normal pension age for these schemes. My wife will benefit from a spouse's pension for length if I die 1st of roughly 1/3 of these figures. I have the option of exchanging some of this pension for tax free lump sum up to 25% and the calculation is for every £1 I reduce the pension by I get £12 lump sum. Question 2 - everyone at work always talks about you got to take the maximum lump sum to avoid paying tax, but I'm not so sure as the pensions linked to inflation over the long run there could end up being a big gap between your pension with and without the lump sum. What's your thoughts on this, if I didn't need a large amount of cash for a specific thing surely it's better to go for the larger pension even if you end up paying for tax or am I wrong . When we move I will have a full NI record for the state pension but my wife won't and depending on your answer to the 1st question might have 20 years contribution say. Question 3 - if we move abroad before she has a full record can we make voluntary payments for extra year's while resident in another country? I see you can pay about £900 for a year in this country but I'm not so sure if where already living abroad. Assuming my savings continue to grow and the stock market doesn't complete collapse, I will use these savings to bridge the gap from 60 to 65 and then the state pension age. And fund the move with the sale of our house which will also give us a cash buffer hopefully too. Question 4 - when moving abroad can I keep my stocks and shares ISA - I know you can't contribute more to it, but keeping it open to grow, receive dividends, withdraw money, the government website says you can but a lot of the provider websites are vague and some say they don't allow it. Is it a case when the time comes I'll have to transfer my isas to 1 of the more expensive providers say who are more likely to allow this? Now I already know that the country I'm moving to doesn't have a reciprocal agreement so our state pension will be frozen at the level that we claim it and have based all our plans and number crunching on this. And that the country I move to may charge tax on money I draw out of my ISA when I transfer it over, and on my pension (although with the double taxation treaty hopefully not) and will seek advice of accountants over there nearer the time as currently there is some work arounds involving spouses but these may not be there in 20 years time. My last question - would be about if I die 1st probably more likely me being older and male, is more for my wife inheriting my UK based assets - the bank accounts and isas, NHS pension. The NHS pension should be easy she's already my nominee on record and will go through with her the forms and website for claiming it. But the isas and bank accounts are the main worry - will it be easy for her to transfer them over to her (I'm assuming the joint accounts will be pretty much automatic) but will the single accounts be easy? Can she keep the money in the ISA still in an ISA but in her name? Would having her own ISA make this transfer easier? And most importantly is this something you think can be done online/over the phone from abroad or will it involve a trip back to the UK and back and forward to branches assuming they haven't all been shut. Thank you for taking the time to read this email, sorry it's so long, and no worries if it doesn't get chosen for the podcast. Keep up the good work Kind regards, Mark 38:15 Question 6 Change to ISA rules from April 2027. Audio question from Holly.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
Clayton Dixon, known as " All Fired Up with Clayton" is 15 yrs old and started his BBQ journey around age 14. He has competed and won the following- National Live fire pork Champion, 3rd in Beef and 5th overall and also 3rd in steak @NBBQA. Memphis in May-2nd dessert. WJBL- 1st chicken, 3rd pork, 5th-ribs.Smokeslam- 3rd chicken and 5th pork He has his own garden Triple G's(Granddaddy's Giving Garden) with a produce stand at his house that he sales vegetables on the honor system. He also has his own smokehouse where he sales smoked sausage in the winter. He loves Jesus, BBQ, golf, hunting, fishing, and hanging with family and friends. He is a member of FFA, FCA, NWTF, Cattleman's Associations, Rescue Team and is on his schools golf team and is the baseball manager.
Today's blockchain and crypto news Bitcoin is down slightly at $59,086 Ethereum is down slightly at $1,575 BNB is down slightly at $546 Michigan judge issues restraining order against Kalshi Carl Rinsch sentenced to 30 months in prison Chinese billionaire sentenced to 30 years in prison Ark Invest buys more crypto-linked equities. UK's FCA finalizes major crypto rulebook Learn more about your ad choices. Visit megaphone.fm/adchoices
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