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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/
Send a textToday, we welcome Robert Paylor to the podcast with an amazing and inspiring story!A national championship match. A broken neck. In a few violent seconds, Robert went from Cal rugby standout to a young man hearing he'd never walk or move his hands again. What happened next wasn't a neat comeback—it was a decision repeated every day: control the mindset, fight the fight, and build a life anchored in faith, family, and purpose.We invited Robert to unpack the full arc—growing up on humility and service, finding identity in elite sport, then losing it in an instant and choosing to rebuild from the inside out. He shares the exact moment a spiritual mentor reframed his power, how his mom and dad went “beast mode” to secure lifesaving rehab, and why forgiveness became his most demanding discipline. Robert explains how a GoFundMe turned into a global community, why fear and burnout can be as paralyzing as injury, and how practical routines, visible reps, and top 1% effort create momentum when odds say quit.You'll also hear the love story that steadied him—meeting Carson after the injury, embracing vows that mean something, and becoming a dad against long odds. Robert talks candidly about identity, faith under pressure, and being the man he wants his son to become: pray, plan, put the phone down, love well, and work with intent. Today he walks 500 yards with a walker, speaks to teams and companies, and wrote Paralyzed to Powerful to turn pain into tools anyone can use.If you're searching for a mindset reset, a model of leadership at home, or a reason to forgive and move forward, this conversation will stay with you. Subscribe, share with a friend who needs it, and leave a review telling us the one choice you'll make differently today.#FCA#athletes in actionSupport the showPlease don't forget to leave us a review wherever you consume your podcasts! Please help us get more dads to listen weekly and become the ultimate leader of their homes!
181.3K followers on TicTok , Over 3600 days running consecutively, One run across the state of Indiana, and finally serving at the athletic trainer at the same small high school that he graduated from Kyle Parkinson is busy guy. He thought he wanted to go into physical therapy but the sports bug was too hard to get away from and landed in the athletic training world. After attending Ball State University and graduating from the athletic training program in 2017 he worked it out to return to his high school, Monroe Central in Parker City, IN. In his time there he has served several rolls, Athletic Trainer, Athletic Director, Teacher, and currently the director of public relations and fundraising as well as his athletic training duties. He has mowed a few cross country courses in is day as well. Whatever needs done Kyle is usually there. So when two students offered to help him learn the world of TicTok for fun and promote the profession of athletic training and raise money for athletic training program, a star was born. With his signature tag line "Go Bears!" he has reach beyond little Parker City and into the world with his athletic training promotion. This has allowed him to follow other passion projects like running across Indiana to raise money for FCA. He continues promoting the profession on other social media platforms besides TikTok. He sought out as an advisor to other AT's that want to do the same thing at their school. He currently resides in Parker City with his wife, Makenzie and daughter Reese.
Bull markets don't last forever. When you're in the throes of one, it can feel like they do. But they don't, and at a certain point you have to sell.Gold bull markets can feel even more eternal. Not just because the metal itself is eternal, but because the story comes along that we are going back to a gold standard, or that the Great Purge, which many economists of the Austrian school say is inevitable after fifty years of fiat decadence, is finally upon us.I get that argument. But it is too neat, too deterministic. Real life is much more mucky.So today I want to consider a very important question, and I want to try and answer it honestly:Where are we in this bull market?Has gold already peaked? It's possible. The spike to $5,600/oz at the end of January had many of the hallmarks of a blow-off top.Or perhaps $5,600 was just a mid-cycle peak, such as we saw in 2006 or 1975-76 during previous bull markets.Or is this bull market still in its infancy?I'm going to study this bull market through every lens I can think of: price, time, valuation, participation, market structure, macro context and sentiment.My bias going in is that we are mid-cycle, as I argued in my Great Forecast last week. Let's see where I end up. 1. DurationThere have been two great gold bull markets since the end of the gold standard: 1971-1980 and 2001-2011. Both lasted nine to ten years.When did this one begin?It depends how you define it.You could take the bear-market low of $1,045 in late 2015. You could take the $1,160 retest in 2018. You could take 2019, when gold broke out of its multi-year base.Technical analysis is often in the eye of the beholder. Just like bull markets.You could even argue late 2022, when the current acceleration began.If you start in 2015, this bull market has already lasted ten years. That would put it right in line with the duration of previous cycles, and you could argue it is close to exhaustion.If you start in 2018 or 2019, there may be several years left to run.I favour 2018. Just as gold hit $250 in 1999, rallied, and then returned to roughly the same level in 2001 before the real bull market began, the 2018 low feels like the equivalent retest. Of course this is debatable.And there is always the possibility that this bull market lasts longer than previous ones.Verdict: mid- to late-cycle.2. Relative valuation vs other assetsOilWith gold at $5,200 and WTI crude around $87, it takes roughly 60 barrels of oil to buy one ounce of gold.Historically this ratio ranges between 6 and 30.The only time oil has been this cheap relative to gold was in the 2020 pandemic collapse, when oil went negative.My view: it's not so much that gold is expensive as that oil is cheap. Plus commodities inevitably get cheaper as we get better at producing them. (As long as you don't measure the price in fiat).Gold vs the S&P 500With the S&P around 6,765, it takes about 1.3 ounces of gold to buy one unit of the index.This ratio has been as high as 5 - at the peak of Dotcom in 2000, and the nadir of gold - and as low as 0.2 (during the depths of the 1930s and at the 1980 gold peak).Gold is therefore on the expensive side relative to equities, but not at historic extremes.This ratio could fall further if equities fall or gold rises.Gold vs US housingThe US housing market varies enormously by region - Beverely Hills is not Detroit, Miami Beach is not McDowell County - so national averages should be treated cautiously. But they still give a rough guide.We are now below the 2011 level and approaching 1980 territory in terms of how many ounces of gold buy a typical home.Pretty extreme.Overall verdict: late-cycle. Warning signal3. Institutional ownershipGold is still under-owned in institutional portfolios.Even after the recent rally, gold represents only a tiny fraction of global portfolio allocation compared with equities and bonds.Gold mining equities are even more neglected.Verdict: mid-cycle4. Central banksCentral bank buying slowed to 863 tonnes in 2025, down from record levels in 2024, but still well above the 2010-2021 average.However, the World Gold Council reported that central banks purchased only 5 tonnes in January, below the monthly average of 27 tonnes. I would not read too much into that. Much buying is reported with delays, and China in particular reveals little about its activity. The usual assumption is that central bank buying is an early or mid-cycle phenomenon. I am not entirely convinced. If the real driver of this bull market is de-dollarisation and reserve diversification amidst a wider geopolitical shift, then official buying could persist for years.Gold currently represents just under 30% of central bank reserves. The US dollar still accounts for roughly 56%.I don't think this bull market ends until gold sits north of 50% having overtaken the dollar itself.Question: is the war in Iran going to arrest of accelerate de-dollarisation? You know the answer. Verdict: mid-cycle5. Retail participationRetail demand is growing. 2025 saw record bar and coin demand. ETF inflows are rising, but they are not exploding. Mining companies are finally attracting interest again.Silver went briefly manic last month, which is not a healthy sign, but the episode is already unwinding.Verdict: mid-cycleBy the way, due to its senior currency status, the US dollar is going to preserve its purchasing power better than the pound, which is a car crash waiting to happen. I keep getting asked, “is it too late to buy gold?”. If you are in the UK, . We are turning into South Africa and the currency will go the same way. The 40% loss of purchasing power that the pound has seen since 2020 is not going to reverse. If anything it accelerates. Thus …If you live in a third world country such as the UK, I urge you to own gold or silver. The pound will be further devalued, as will the euro and dollar. The bullion dealer I recommend is The Pure Gold Company. They deliver to the UK, the US, Canada and Europe. More here.6. LeverageLeverage is difficult to measure precisely.You can look at: futures positioning on Comex, options activity, speculative flows into junior miners, retail spread betting and more. The short answer is this: gold is a crowded trade, but it is not a mania.If it were a mania, the geopolitical shock in Iran last week would have triggered violent liquidations. Instead gold held up remarkably well.Verdict: mid-cycle7. Mining equitiesMining stocks had an excellent 2025. Word is that PDAC last week (the world's largest mining conference), was the like of which had not been felt since 2011 and the last top. That is a warning sign.This chart shows the ratio of the XAU (large mining companies) to gold since 1988. On a relative basis the miners are still phenomenally under-owned, and we now have a text-book base, formed over 9-years, in place. If this ratio goes back to levels of the early 0 0s , miners will multiply many times over.But these declines began with the emergence of the ETFs and the many alternative ways to own gold without taking on individual company risk. The ratio does not have to go back 00s levels.Maybe. But that base is a thing of beauty.Typically the end of a gold bull market would coincide with massive rallies in junior miners, an exploration IPO boom and a merger-and-acquisition frenzy.We are seeing healthy signs of activity, but nothing like that yet.Verdict: mid-cycleI'm delighted to report that The Secret History of Gold - Myth, Money, Politics and Power, published by Penguin Life, comes out in the US next month. (The US version is published by Pegasus). Order yours now - via Barnes and Noble or Amazon8. The narrative - gold to $150,000?Gold got some coverage in publications like The Economist and the Financial Times last month, but the story is far from mainstream.Ask most people about de-dollarisation, Triffin's dilemma or central bank reserve diversification and you will get blank looks.However, some familiar late-cycle narratives are beginning to appear.One is that silver is being remonetised.It isn't.Silver may well be an important strategic metal, but its monetary role was as medium of exchange. That role is not coming back because we no longer use physical money. That function has been digitised.Gold, by contrast, retains its role as as store of value - a function that silver never had to anything like the same extent. Silver may have use as a speculative asset. It may well rise in price. It may even overshoot spectacularly. But it is not being remonetised. That will not happen, unless Eastenders turns into Mad Max.Another narrative that sometimes appears near major peaks is the US national debt relative to gold reserves. In 1980, headlines declared the US was “solvent again” because it could have used its gold to fully settled its debt.Today US debt is roughly $39 trillion. To settle that debt using America's 262 million ounces of gold, the gold price would need to be roughly $150,000 per ounce.When arguments like that start circulating, it means the narrative can't go much further and the cycle is close to exhaustion.We are not there yet.Verdict: mid-cycle9. Real yieldsLast but not least: real interest rates.This would be the 10-year Treasury yield minus inflation, or the 10-year TIPS yield.Gold bull markets tend to end when real yields rise sharply.In 1980, Paul Volcker pushed interest rates toward 20% and real yields surged. Gold then entered a twenty-year bear market. At the 2011 peak, real yields rose from deeply negative to positive and gold topped within months. From 2020–2022 real yields went negative again and gold surged, until they rose in 2022 and gold stalled.Today nominal yields are relatively high, but inflation remains elevated, the Fed is under pressure to ease (as are most central banks) and fiscal deficits are enormous.Real yields therefore sit around zero or slightly positive, depending on how they are measured. That is not restrictive enough to kill the gold bull market.The danger signal would be inflation falling sharply while nominal yields stay high, pushing real yields well above +2%. We are some distance from that.Verdict: mid-cycleIf you are interested in following the real yield argument, Charlie Morris is the man. He gets it better than anyone, and I heartily recommend you follow his work via his Atlas Pulse. Get your copy here - it's free.ConclusionIf gold continues rising it will pull silver and mining equities higher with it.The spike in silver last month to around $125 looked very much like a mid-cycle blow-off, and a period of consolidation is now both likely and healthy. Looking across all the indicators, most point toward a mid-cycle environment rather than a late-cycle one.What superb content. You really should upgrade.Duration and relative valuation raise some concerns, but these are just one or two of nine indicators. Everything else suggests the bull market has not yet reached its final, most speculative phase.In other words: this is not the end. It is not even the beginning of the end. But it is, perhaps, the end of the beginning.$8 to $10,000 by the end of the decade is a very real possibility.Thanks very much for being a subscriber to Flying Frisby.Until next time,DominicPS I have discussed gold largely in dollar terms, because the market is quoted in dollars. But if you are in the UK the case for owning gold has less to do with the dollar and far more to do with the pound. Sterling has already lost roughly 40% of its purchasing power since 2020, and that trend is not going to reverse. If anything it will accelerate. It's not just the ineptitude of successive governments, but unelected permablob (in this case the Treasury, the OBR, the Bank of England, the FCA et al) that actually runs the show. The system- if you can call it that - is the problem and it's not going to change. The incentives are to spend more, borrow more and debase the currency slowly over time. You cannot fix that system. But you can protect yourself from it. And that means owning some gold.DisclaimerI am not regulated by the Financial Conduct Authority (FCA) or any other regulatory body as a financial advisor. Therefore, any information provided in this newsletter does not constitute regulated financial advice. It is solely an expression of opinion. Small-cap stocks are inherently risky. Please conduct your own due diligence and consult with a financial advisor, if you have any doubts. Remember, markets can both rise and fall, especially in the case of small and mid-cap stocks. I am not aware of your individual financial circumstances, so only invest money that you can afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe
Welcome to episode 230 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, the FCA has fined John Wood Group plc for publishing misleading financial statements, while banning orders have been issued against directors for fraud linked to NHS contracts. On international enforcement, a Spanish police operation has dismantled a money-laundering ring, and there has been a takedown of both the LeakBase data marketplace and a major phishing-as-a-service platform. On sanctions, the UK has issued new detailed licensing guidance for Belarus sanctions, while in other financial crime news, Nobel laureate Joseph Stiglitz argues for multilateral financial integrity as a vital tool against global inequality and corruption.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.
Debt charity StepChange says its research suggests around 2.5mn people who have debt on a credit card have paid more in interest, fees and charges over the past 18 months than they have repaid off the debt itself. Its survey of 6,000 adults, done by the polling organisation YouGov, found 1 in 20 adults had this persistent credit card debt. Its calling on the regulator, the Financial Conduct Authority, to improve the lending rules to stop debt building up and and ensure banks are intervening sooner to support customers in difficulty. The FCA says its rules mean that lenders should only provide credit to people who can afford to repay.The government has started a hardship fund because thousands of newly retired civil servants have been kept waiting months for their pensions to be paid. The Public and Commercial Services union, which represents many civil servants, has described the situation as "catastrophic" and is calling for urgent action to put things right. In a joint statement Capita and the Cabinet Office said they are "deeply sorry for the worry, frustration, and distress this has caused." Adding they both take this responsibility "very seriously and are urgently working together to put this right."New figures show that banks are refunding more of the money stolen from customer accounts, following new rules which force them to do so.And as the big lenders offer mortgages worth six times people's salary, what does this mean for borrowers?Presenter: Paul Lewis Reporters: Dan Whitworth, Jo Krasner and Niamh McDermott Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm Saturday 7th February 2026)
Amaia Black | Area Rep/FCA Rodeoablack@fca.org | (208) 859-3884Amaia Black grew up in a strong Christian home in Homedale, Idaho, where she played sports all through school. After marrying her high school sweetheart, Wade Black, they moved to Montana for his rodeo scholarship at Montana State University. After 5 years, they moved back to Idaho to start their family. Her husband and her have a family business, Training for the Cross, LLC, which focuses on training horses and ministry. Together, they raise four children, Asa Mateo, Josephine, Cylas, and Samuel—who share their love for sports and rodeo.Amaia feels a strong calling to disciple young people, emphasizing their worth and identity in Jesus over achievements. She is excited to join the Fellowship of Christian Athletes to help build their equine and rodeo branch, while also being an Area Representative and serving a couple local schools. In her free time, Amaia enjoys activities with her family including riding, roping, playing games, and attending her kids' activities and competitions.My Favorites - 1 Peter 5:6,7, football, volleyball, wrestling, judo and rodeo, playing cards, doing anything with my husband and kids, her dad's tri-tip, her mom's Basque flan and coffeeThe 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 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Join Philip and Curtis for the big car retailing stories and all the chatter that matters on this week's Motor Trade Radio podcast, powered by MOTORS & Cazoo. Plus David Manchester from Automotive Assets on M&A activity in the sector. Headlines include: ✅ New car regs up 7% to enjoy best February in 22 years, while vans enjoy a modest increase ✅ Older used car prices continued to rise in February ✅ FCA announces it is streamlining its redress scheme ✅ Just Motor Group sold to Employee Ownership Trust ✅ Vertu reports on strong trading in latest interims ✅ GM returns to the UK Streaming now on your podcast feed or here ▶️
This week, Elliot and John unpack a whirlwind of global developments impacting financial crime compliance. They break down a major OCCRP report on how Russia, North Korea, and Iran are exploiting cryptocurrency for sanctions evasion and illicit finance—alongside new Chainalysis insights on post-strike crypto movements in Iran. The conversation explores FATF's latest reports on stablecoins, cyber-enabled fraud, and the evolving risk-based approach. On the U.S. regulatory front, they cover the effective date of FinCEN's residential real estate reporting rule, the OCC's proposed stablecoin framework under the GENIUS Act, and the ongoing debate over rollbacks to the Corporate Transparency Act. Across the Atlantic, they examine the FCA's push to strengthen AML supervision for professional bodies. The episode also examines the liquidation of Swiss bank MBaer under U.S. enforcement pressure and amid concerns about recent counterintelligence cuts.
Interview recorded - 5th of March, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Howell. Michael is the Founder & Managing Director of CrossBorder Capital, now renamed GL Indexes.During our conversation we spoke about the current state of the economy, where we are at the liquidity cycle, buybacks to capex, geopolitical issues, government led economies and more. I hope you enjoy!0:00 - Introduction0:48 - Current outlook2:15 - Liquidity cycle4:00 - Changes to liquidity5:50 - Buybacks to capex7:51 - Geopolitical issue10:01 - China21:04 - Global business cycle24:38 - Government led economies30:40 - Outlook for markets34:28 - Continuing QT?36:30 - Debasement41:10 - One message to takeawayMichael Howell is CEO of CrossBorder Capital, a London-based FCA registered, independent research and investment company that he founded in 1996. Previously he was Head of Research for Baring Securities and Research Director of Salomon Brothers Inc, the US investment bank. The liquidity methodology he pioneered monitors cross-border flows and Central Bank behaviour across some 80 countries world-wide. Liquidity flows are a central part of CrossBorder Capital's asset allocation advice, which is currently provided to major global investors, including institutional asset managers, government agencies, Central Banks and endowment funds. Michael has been in financial markets since 1981 and is a regular conference speaker and media commentator. He graduated from Bristol and London Universities with a finance doctorate, specialising in Fixed Income.Michael Howell -Website - https://app.slice-app.io/p/traders/CmklGohFrVNpFLeFOlrF23G53Eh2Twitter - https://twitter.com/crossbordercapLinkedIn - https://www.linkedin.com/in/michael-howell-357b1416/?originalSubdomain=ukSubstack - https://substack.com/@capitalwarsWTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas
From South Korea's memory leaders to Taiwan's artificial intelligence supply chain, we explore what's really behind recent market moves in the Asia Pacific region. EFG portfolio manager Chris Chan discusses how the AI hardware cycle, shifting geopolitical risks as well as China's two‑speed economy are shaping equity markets.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Chris Chanhttps://bit.ly/4srozqgEFGAM:https://www.newcapital.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. 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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 securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registered office: Goodman‘s Bay Corporate Centre West Bay Street and Sea View Drive, ...
Waddell nicknamed employee ‘Ching the P***' because ‘his father ran a corner shop'Daksh Gupta held talks over becoming Big Motoring World CEO after Marshall departureWeekly Briefing: High Court hears there was ANOTHER bidder for Big Motoring WorldNew car registrations enjoy best February in 22 years – but ZEV mandate fears returnCar finance redress scheme to be confirmed this month as FCA considers ‘implementation period'Dubai firm DxB Auto Investments buys Harwoods' JLR and BMW operations in UK expansionTime is running out to secure your Car Dealer Live tickets with just two weeks to go
In this episode, Rebecca Aston, Head of Professional Standards, and Adam Harper, Executive Director, Strategy, Advocacy and Professional Standards at the CII Group are discussing Continuing Professional Development, or CPD. They will be talking about the FCA's withdrawal of 15 hours under the Insurance Distribution Directive (IDD), the requirement for CII and PFS Members, and the process of CPD audits.
March's mission emphasis is the Fellowship of Christian Athletes and Pastor Dan Burrell meets up with guests, Bella and Tammy Zoppa, to chat about the FCA and their mission.
In Part 1, Chauncey opens up about: Growing up a pastor's kid in Texas Drifting far from his faith during college The night God stopped him in his tracks inside a nightclub How his future wife played a pivotal role in bringing him back to church His calling into ministry And how God led him from youth pastoring to FCA at SMU and eventually TCU This is a story of identity, purpose, surrender, and redemption. It's the kind of story that reminds us that leadership isn't about titles or positions — it's about obedience, transformation, and allowing God to shape our steps. This first episode sets the foundation for a deeper conversation in Part 2, where we'll explore identity, doubt, pressure, prayer, and leadership. But first — let's step into the backstory of a man whose life is making a massive impact at TCU and far beyond. Here is Part 1 with Chauncey Franks.
Tate Along with Darren Joines, the Associate Athletics Director at Franklin Christian Academy (FCA), introduces two-time state champion David Pack as the school's new head football coach. Pack, who has been away from coaching for 14 years, discusses his return to the sidelines, his coaching philosophy, and the growth of the FCA athletic program. The Return of David Pack The Hiring Process: Darren Joines immediately thought of David Pack for the position after former coach Casey Jorgenson departed following a successful 6-4 season. A New Chapter: Pack had not actively looked to return to coaching for a decade, but he felt an "itch" to return over the last couple of years while watching games from a competitive perspective. Leadership Alignment: Pack expressed high regard for FCA's leadership, including Joines, Director of Student Life Tim Johnson, and Head of School Noah Brink, noting that the environment felt "safe" and visionary. Familiar Energy: Pack compared the current energy and stage of development at FCA to his early days at Christ Presbyterian Academy (CPA) in 1996. Coaching Philosophy and Legacy The "GOAT" Mentality: The participants discussed coaching legends, specifically naming Carlton Flatt of Brentwood Academy as the greatest of all time. Pack worked under Flatt for nine years before building the program at CPA. Physicality on the Field: Pack emphasized that his teams will be defined by physicality and contact, a trait he believes defines the nature of football. Multi-Sport Participation: Both Joines and Pack strongly advocate for multi-sport athletes. They argued that specialization leads to burnout and "adult-type" injuries in young athletes, whereas playing multiple sports refreshes a student's zeal for competition. Building from Scratch: Pack is excited by the lack of traditional infrastructure at FCA—such as a stadium or weight room—viewing it as an opportunity to build a legacy from the ground up, similar to the beginnings of local powerhouse programs. Character and Community Mission-Tethered: Pack stated that the program will remain focused on its mission of spiritual development and authenticity, aiming to be a "beacon" of hope in sports culture. Family Support: Pack highlighted the importance of his family's support, noting that his wife, Anne, and daughters were instrumental in his decision to return to the coaching profession. See omnystudio.com/listener for privacy information.
STREAMING NOW! Catch the big car retailing stories and all the chatter that matters on this week's Motor Trade Radio podcast, powered by MOTORS & Cazoo. PLUS! Industry guru Ian Goldbold's content marketing strategies Top Tips for the March plate-change. Stories under the spotlight include:
Tate Along with Darren Joines, the Associate Athletics Director at Franklin Christian Academy (FCA), introduces two-time state champion David Pack as the school's new head football coach. Pack, who has been away from coaching for 14 years, discusses his return to the sidelines, his coaching philosophy, and the growth of the FCA athletic program. The Return of David Pack The Hiring Process: Darren Joines immediately thought of David Pack for the position after former coach Casey Jorgenson departed following a successful 6-4 season. A New Chapter: Pack had not actively looked to return to coaching for a decade, but he felt an "itch" to return over the last couple of years while watching games from a competitive perspective. Leadership Alignment: Pack expressed high regard for FCA's leadership, including Joines, Director of Student Life Tim Johnson, and Head of School Noah Brink, noting that the environment felt "safe" and visionary. Familiar Energy: Pack compared the current energy and stage of development at FCA to his early days at Christ Presbyterian Academy (CPA) in 1996. Coaching Philosophy and Legacy The "GOAT" Mentality: The participants discussed coaching legends, specifically naming Carlton Flatt of Brentwood Academy as the greatest of all time. Pack worked under Flatt for nine years before building the program at CPA. Physicality on the Field: Pack emphasized that his teams will be defined by physicality and contact, a trait he believes defines the nature of football. Multi-Sport Participation: Both Joines and Pack strongly advocate for multi-sport athletes. They argued that specialization leads to burnout and "adult-type" injuries in young athletes, whereas playing multiple sports refreshes a student's zeal for competition. Building from Scratch: Pack is excited by the lack of traditional infrastructure at FCA—such as a stadium or weight room—viewing it as an opportunity to build a legacy from the ground up, similar to the beginnings of local powerhouse programs. Character and Community Mission-Tethered: Pack stated that the program will remain focused on its mission of spiritual development and authenticity, aiming to be a "beacon" of hope in sports culture. Family Support: Pack highlighted the importance of his family's support, noting that his wife, Anne, and daughters were instrumental in his decision to return to the coaching profession. See omnystudio.com/listener for privacy information.
In this special GB News by-election podcast, Katherine Forster and Christopher Hope analyse the dramatic Gorton and Denton result, where the Green Party overturned a 13,500 Labour majority to win with 40% of the vote. Reform UK finished second with 28.7%, Labour fell to third on 25.4%, and both the Conservatives and Liberal Democrats were reduced to the margins.The discussion explores what the result means for Sir Keir Starmer's leadership, Labour's strategic squeeze between Reform on the right and the Greens on the left, and whether Britain is entering an era of genuine five-party politics. They examine Reform's performance, including concerns raised about tactical voting and voting procedures, and consider how the Greens were able to consolidate support in a formerly safe Labour seat.Beat the system with TallyMoney. Gold you can spend. Discover more here: https://click.tallymoney.com/A64P/df08xa5e #adThe 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 licence by Mastercard International Incorporated Hosted on Acast. See acast.com/privacy for more information.
The Treasury published a consultation earlier this month looking to make a number of changes to the AR regime to tighten it up.This included bringing ARs under the Financial Ombudsman Service's remit for complaints as well as making principal firms hold a special FCA permission in order to appoint an AR.FT Adviser's Amy Austin speaks to Simon Morris, a financial services partner with CMS, and David Mills, financial adviser and founder & chair of Pilot, about whether the changes will have a large effect and what advisers can expect.The FTAdviser Podcast is designed to inform regulated UK advisers on a range of topics, covering investments, pensions, regulation and other key issues. Hosted on Acast. See acast.com/privacy for more information.
Welcome to episode 227 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, the UK government's most extensive sanctions package against Russia since 2022, targeting nearly 300 entities and vessels, alongside a prison sentence for a UK director who illicitly exported military-grade rifle sights to Hong Kong. In enforcement news, the SFO has secured a prison term for the perpetrator of a global aircraft parts fraud, while a Washington man has admitted to laundering nearly $100 million for an international investment scam. We also consider the FCA's action against seven social media influencers for unauthorised financial promotions and the ICO's landmark legal victory in the Court of Appeal regarding data security. Furthermore, we look at a new FATF report on the rise of cyber-enabled fraud and a significant poll showing that a majority of NATO publics view cyberattacks on critical infrastructure as acts of war. Finally, we cover the appointment of the EU's new AMLA Vice-Chair and a warning from the NCA's AI lead regarding potential bias risks in predictive policing technology. A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.
Half of UK adults have characteristics of vulnerability. This is the most quoted FCA statistic in history. But what does it mean? And does the debate surrounding it overshadow other FCA statistical gems we should know about too? Sarah Montgomery from the FCA reveals the hidden treasures of the Financial Lives Survey to Chris Fitch. www.fca.org.uk/financial-lives financiallivessurvey@fca.org.uk https://www.linkedin.com/company/financial-conduct-authority
Billy Klein went from working 60-80 hour weeks as an EY auditor to helping build FloQast Transform—the fastest-growing product in FloQast history. In this episode, he breaks down how accounting teams are actually implementing AI automation, what makes AI auditable, and why most accountants want to build their own workflows (not outsource to IT).
On this powerful episode of the Rooted in Christ Podcast, Eric sits down alongside Nobles Darby IV—Metro Cleveland Director of Fellowship of Christian Athletes (FCA)—for a conversation about faith, sports, unity, and the Great Commission.From the locker rooms of the NFL and NBA to high school campuses across Cleveland, Noel shares how God called him into chaplaincy and sports ministry at the highest levels. We dive into:What it really means to live out the Great CommissionWhy sharing your faith requires getting uncomfortableHow FCA is impacting 50+ schools in Northeast OhioThe powerful “One Team” football camp that united inner-city and suburban athletes during 2020's civil unrestWhy Cleveland's deep sports culture is the perfect mission fieldTearing down idols and pointing athletes and fans back to JesusWe also discuss the partnership between FCA and Redwood Christian Ministries for this year's Beyond the WallsChristian hip-hop & R&B concert in Cleveland on November 7th—an event focused on salvation, discipleship, and advancing the Kingdom.This episode is a reminder: We weren't saved to sit—we were saved to be sent.If this episode encourages you, like, share, and subscribe to the Rooted in Christ Podcast on all major platforms.
Brandon Lambert | Ada County Area Rep blambert@fca.org | 805-801-0413Brandon Lambert, a California native, grew up with a passion for sports and community. After years of coaching, discipling men, mentoring youth, and volunteering, he discovered a powerful way to bring all of his passions together. In 2019, he came on staff with FCA, realizing he could pursue all of these callings through sports under one umbrella for the Lord. As he continues to grow in his own faith, Brandon is dedicated to building relationships and encouraging others in their walk with Christ. Brandon is married to his wife, Jennifer, and has 3 kids and a grandson.My favorites - James 1:12, Family time, Travel adventures with my bride, Hiking, Fishing, Golfing, BBQ'n, Thai food & Tacos.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 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
The Brazilian equity market had a strong 2025 and momentum has so far carried over, but can it continue? Tiago Berriel, chief strategist at BTG Pactual joins us on the podcast to unpack what has driven Latin America's largest economy and what lies ahead. Real rates, trade relations, election considerations and why Tiago is more positive on the economy than the Brazilian soccer team come in to focus.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Tiago Berrielhttps://bit.ly/4rqCeOeEFGAM:https://www.newcapital.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. 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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 securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registe...
Long history of Fellowship of Christian Athletes chapters in Gainesville supporting local schools' programs with Attorney Bill Allen. The FCA banquet this year features Gator basketball star Patrick Young
Welcome to the award-winning FCPA Compliance Report, the longest-running podcast in compliance. In this episode, we replay a recent webinar Tom Fox participated in, hosted by EQS. The panel moderator was Steph Holmes, and the panelists were Tom Fox, Mary Shirley, and Matt Kelly. The session focuses on six key 2026 trends for ethics and compliance programs: (1) AI moving from experimentation to operational use, emphasizing deliberate scaling, human-in-the-loop oversight, governance frameworks, monitoring, and managing “shadow AI,” with practical use cases such as policy chatbots, gift/travel/entertainment reviews, and AI-enabled third-party risk lifecycle management; (2) enforcement “volatility” and unpredictable regulatory signals, with emphasis on returning to fundamentals such as documenting program inputs and outcomes, and noting continued activity, including record FCA resolutions and a DOJ whistleblower program award leading to a rapid antitrust settlement; (3) shifting employer–employee dynamics, including Gartner survey findings that 40% of employees would intentionally miss a compliance requirement to harm their organization, discussion of trust, employee sentiment, multi-generational communication differences, and the need to partner with HR while staying within organizational lanes; (4) heightened third-party and supply chain risk expectations, including cybersecurity, tariffs/tariff evasion, export controls, and the need to unify siloed risk views into a holistic third-party risk assessment; (5) anticipated increases in whistleblowing and investigation demands amid volatility, highlighting the importance of preventing retaliation, keeping reporters feeling heard through responsive communications, triage protocols, and anonymized case examples to build trust; and (6) measuring program effectiveness through a shift from outputs to outcomes, including reviewing KPIs and key risk indicators, peer review of investigations, hotline “mystery shopping,” and gap analyses against the DOJ's ECCP and compliance program hallmarks, with special emphasis on third-party documentation and ongoing monitoring. Resources: Mary Shirley on LinkedIn Steph Holmes on LinkedIn Matt Kelly at Radical Compliance EQS Tom Fox Instagram Facebook YouTube Twitter LinkedIn Returning to Venezuela on Amazon.com Learn more about your ad choices. Visit megaphone.fm/adchoices
I am the second oldest of the five Moreno brothers. I have been married to my bride for 14 years. I currently serve as a Chaplain Assistant in the Idaho Air National Guard, run a furniture restoration business with my wife, and also am a director of a non-profit I started serving the community of Boise State University.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 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
It's a new year and there have been several new developments on the fraud and abuse front. The Department of Justice has a new division that will be focusing specifically on fraud. Given the recent activities of the DOJ and the OIG, health care organizations are sure to be in the crosshairs of government scrutiny. Among other things, provider enrollment procedures are likely to tighten up and take longer. And the enforcement agencies and whistleblowers continue to bring False Claims Act cases based on the Stark Law, although the constitutionality of the qui tam provisions of the FCA is being challenged in the Courts. Join Dan Mulholland and Henry Casale for this informative update in which they will review these developments and suggest some things you can do to minimize compliance risks in the upcoming months.
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 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Der FC Bayern hat in der Liga zuletzt zweimal Punkte gelassen. Woran liegt das? Und warum sollte der FCB ein erneutes Stolpern tunlichst vermeiden? kicker-Reporter Frank Linkesch kennt die Antworten. Außerdem: Der FC Augsburg klettert immer weiter aus dem Tabellenkeller. Wir klären, welche Vorteile der FCA im Abstiegskampf gegenüber der Konkurrenz hat.
In this episode of Insurance Bites, Greig Anderson, Partner, and Sarah Irons, Knowledge Counsel, from the Insurance & Professional Risks team, look at key developments impacting policyholders and the risks they face in the coming months. Topics explored include cyber risks and AI, evolving liability exposures (including changes to product liability legislation, PFAS and what is new in climate change related litigation), developments relevant to D&O cover, Government proposals on captives and SME terrorism cover. Below you can find links to our blog posts on the developments and cases covered in this podcast: • HSF Kramer AI Tracker – Tracking AI law and policy globally https://www.hsfkramer.com/insights/reports/ai-tracker • UK government looks set to introduce ransomware payment ban and mandatory reporting https://www.hsfkramer.com/notes/cybersecurity/2025-posts/uk-government-looks-set-to-introduce-ransomware-payment-ban-and-mandatory-reporting • Major changes to UK Cyber Legislation: Cyber Security and Resilience Bill published in UK Parliament https://www.hsfkramer.com/notes/cybersecurity/2025-posts/major-changes-to-uk-cyber-legislation-cyber-security-and-resilience-bill-published-in-uk-parliament • UK Jurisdiction Taskforce consults on draft legal statement on liability for AI harms https://www.hsfkramer.com/notes/litigation/2026-01/uk-jurisdiction-taskforce-consults-on-draft-legal-statement-on-liability-for-ai-harms • UK Insurance Regulation: looking ahead to 2026 https://www.hsfkramer.com/notes/insurance/2026-posts/uk-insurance-regulation-looking-ahead-to-2026 • Modernising the redress system: Fair and reasonable changes? https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/modernising-the-redress-system-fair-and-reasonable-changes • Lliuya v. RWE – Landmark German ruling recognising potential liability in principle of a local emitter for climate change harms in a foreign jurisdiction https://www.hsfkramer.com/notes/esg/2025-posts/lliuya-v-rwe-landmark-german-ruling-recognising-potential-liability-in-principle-of-a-local-emitter-for-climate-change-harms-in-a-foreign-jurisdiction • Milieudefensie Takes Legal Action Against ING Over Climate Impact https://www.hsfkramer.com/notes/esg/2025-posts/milieudefensie-takes-legal-action-against-ing-over-climate-impact • High Court allows case to proceed against defendant companies domiciled in England despite claims having more real and substantial connection with Brazil https://www.hsfkramer.com/notes/litigation/2025-03/high-court-allows-case-to-proceed-against-defendant-companies-domiciled-in-england-despite-claims-having-more-real-and-substantial-connection-with-brazil • Preliminary update in case regarding Shell responsibility for legacy oil pollution in Nigeria https://www.hsfkramer.com/notes/esg/2025-posts/preliminary-update-in-case-regarding-shell-responsibility-for-legacy-oil-pollution-in-nigeria • FCA advances next steps on non-financial misconduct https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/fca-advances-next-steps-on-non-financial-misconduct • Capital markets – new UK prospectus regime in force from 19 January https://www.hsfkramer.com/notes/corporate/2026-posts/capital-markets-new-uk-prospectus-regime-in-force-from-19-january?utm_source=email&utm_medium=email&utm_campaign=vuture
ASK A QUESTION – TELL A STORY – CONNECT WITH US ______________________________________________________________ This week on Beyond Sunday, Paxton Redd, Evan Ryan, Josh Hensley, and Michael Shearon gather around the table to unpack Sunday's message on pride and humility, with plenty of laughter and real-life stories along the way. From snow-shoveling injuries and driveway disasters to a fun game of “I Got This or That's Not Me,” the conversation disarms listeners while revealing how pride often shows up in subtle, everyday moments. The group reflects on how confidence, competence, and humility can blur together—and how wisdom sometimes means knowing when to step up and when to bow low. Evan recaps his sermon from Luke 18, contrasting the Pharisee and the tax collector and highlighting three core truths: be honest about your condition, do nothing out of performance, and stay low before God. The discussion deepens as the team explores false humility, conflict, and why our posture before God shapes how we treat others. The episode closes with encouragement around what God is doing in the next generation through FCA, student ministry, and young adults—reminding listeners that humility isn't self-deprecation, but rightly placing God at the center of everything.
Der FC St. Pauli verliert auch auswärts beim FC Augsburg. Ein Podcast über Chancen, Wahlplakate, eine Vereinslegende und den Blick nach vorn.
Dominic Jacobson, Senior Equity Analyst in EFG Asset Management's US Growth Equity team unpacks whether tech bubble fears are misplaced, and why compute power and energy availability may in fact be keeping excess in check. Also featured are geopolitical competition, open-source versus closed-source models and what could be the next big untapped opportunity in tech.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Dominic Jacobsonhttps://bit.ly/4taOiV2EFGAM:https://www.newcapital.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. 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Jes Staley, the former CEO of Barclays, saw roughly £22 million in bonuses and deferred compensation frozen in 2022 as regulators dug into his ties to Jeffrey Epstein. The freeze included unvested share payouts and long-term incentive plans that Staley had been promised but had not yet received. The Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) launched their review after concerns emerged over how Staley characterized his personal relationship with Epstein, a man whose reputation was already well-tarnished by his 2008 sex-offense conviction. The decision marked a significant step for Barclays, signaling just how seriously the bank's board and regulators were taking any whiff of reputational risk tied to Epstein.The matter didn't end with the freeze. In 2023, the FCA moved to ban Staley from holding senior positions in the UK financial industry, citing his misleading accounts of the Epstein connection. Alongside the ban, regulators initially proposed a £1.8 million fine, which was later reduced to about £1.1 million. Staley ultimately forfeited around £18 million in bonuses and deferred pay. For a man who had once been a Wall Street heavyweight, it was a public and financial fall from grace that demonstrated the long shadow Epstein's scandal continues to cast over those in his orbit.to contact me:bobbycapucci@protonmail.comsource:https://www.wsj.com/articles/barclays-profit-falls-on-slowdown-in-investment-banking-11645603658Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
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 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Felicity Hannah discusses rising water bills, and the FCA's new fraud-checker. Further from home, Prime Minister Keir Starmer meets President Xi Jinping in China.
Neil Austin of Xeros Technology: This Technology Should Feature in Every Washing MachineXeros Technology was recognized for its innovation by TIME magazine, which named its technology one of the "Best Inventions" in 2010.Whilst it has taken a long time to commercialise this technology, it is as relevant (arguably more so) in today's world as it was in 2010.Its IP protected tech can reduce water usage by up to 80%, energy & chemical consumption by up to 50% plus it can also improve a garments lifecycle by 100%.Why this company is worth researching now is because they have just raised money which could take them to profitability and have also signed a significant contract with a major washing machine manufacturer (in the top 10 of the world and are in discussions with 3 others).To find out more about Xeros Technology #XSG visit their website:https://xerostech.com/Nothing in the podcast should be considered as investment advice. All content is for information purposes only. Please seek investment advice from an FCA regulated advisor. To find out more about the Sharepickers Investment Club visit:https://www.sharepickers.com/
Lemon Law lawyer Michelle Fonseca-Kamana discusses the seismic shifts in California lemon law—from the Supreme Court's decision in Rodriguez v. FCA US LLC (October 31, 2024) 17 Cal.5th 189 that effectively eliminated most used car claims, to the explosion in case filings (from 4,500 in 2015 to over 22,000 in 2023), to new legislative reforms under AB 1755 and SB 26 that impose strict timelines and mandatory pre-suit notice requirements.Michelle also shares how she pivoted from in-person networking to social media marketing during the pandemic, built a practice around one-way fee-shifting statutes, and navigates the asymmetric litigation battlefield against billion-dollar manufacturers.Highlights:Rodriguez v. FCA's impact on used-car protections: The Court limited manufacturer liability to certified pre-owned vehicles, leaving used-car buyers without recourse even when cars remain under manufacturer warranty.Why lemon law filings quintupled: Despite expectations that Rodriguez would reduce litigation, filings increased fivefold (2015-2023) due to declining vehicle quality, PI firm diversification, and political headwinds.New procedural requirements under AB 1755 and SB 26: Effective 2025, consumers must send pre-suit demand letters, wait 30 days, retain the vehicle, meet hard deadlines (one year after warranty expiration or six years from delivery), and navigate an "opt-in" system.One-way fee-shifting as equalizer: Song-Beverly allows consumers to bring claims without paying fees—manufacturers pay all costs if consumers prevail.Social media as practice-builder: Michelle built her practice through bilingual video content on Instagram, TikTok, and YouTube, generating clients and referrals without traditional marketing.Documentation mistakes: The biggest error is failing to keep itemized repair orders and contemporaneous complaints—gaps that become fatal under new requirements.Tune in for insights on asymmetric consumer litigation, the intersection of statutory interpretation and real-world consequences, and how procedural reforms quietly reshape substantive rights.
The High Court issued judgment (in two parts) dismissing a Claims Management Company's judicial review application against the FCA. The judicial review sought to quash the FCA's decision to identify the firm in its announcement regarding the commencement of an investigation. Jon Ford, James Wood, and Michael Tan discuss the judgment and what it has to say about the "exceptional circumstances" test that the FCA will apply when deciding whether to identify firms under investigation. The judgment can be found here (Part 1): https://www.bailii.org/ew/cases/EWHC/Admin/2025/2614.html and here (Part 2): https://www.bailii.org/ew/cases/EWHC/Admin/2025/2615.html, and our blog post on the judgment can be found here: https://www.hsfkramer.com/notes/publiclaw/2025-posts/high-court-dismisses-challenge-to-naming-announcement-by-the-fca.
Join Kristian McCann, host at UC Today, as he sits down with Chris Reed, Head of Product and Technology at Wordwatch, to discuss how phased, risk-free data migration protects compliance and unlocks operational value.Communication data migration in regulated financial sectors is often seen as risky and resource-intensive, and Reed dives deep into why legacy data formats, metadata preservation, and regulatory compliance make migrations daunting. Reed explains how approaches like Wordwatch's, with a phased, controlled approach, mitigates the fear and the risk by ensuring zero modification to original records, maintaining their integrity and audit trails throughout. Key points include:The paramount risk of data loss or corruption during migration, especially preserving metadata such as retention and legal holds, which is crucial for compliance with regulators like FINRA and FCA.Common pitfalls financial institutions face, including budget constraints and the complexity of handling legacy codecs that modern systems struggle to support.Wordwatch's solution: migrating metadata first, preserving original call recordings unchanged, and providing continuous validation to guarantee the completeness and authenticity of data.The benefits of consolidating legacy and live data into a single, secure archive, enabling rapid searches, easing regulatory response times, breaking vendor lock-in, and unlocking insights from communication data.Explore how Wordwatch's phased migration strategy can be tailored to your organization's legacy systems by visiting https://wordwatch.io/.
In this January wrap up edition of the public law podcast, Jasveer Randhawa is joined by HSF Kramer partners Nusrat Zar and James Wood. Together, they discuss the extent to which a contractual context limits the scope of judicial review by reference to the case of Rydon Group Holdings, before delving into a challenge brought under the European Convention on Human Rights in Greenpeace Nordic v Norway. They then touch on the second subsidy control case brought to the Competition Appeal Tribunal since the introduction of the Subsidy Control Act 2022. To conclude, they discuss the FCA's approach to publicity surrounding investigations in CIT v FCA, and the Court of Appeal's clarification of the compensation rights available under the National Security and Investment Act 2021 where national security interventions interfere with property rights. Speakers: Jasveer Randhawa (Knowledge Counsel), Nusrat Zar (Partner), and James Wood (Partner). You can find out more about the cases covered in this podcast on our blog at the following links: Contractual context limits scope of judicial review – but where does it leave us? https://www.hsfkramer.com/notes/publiclaw/2025-posts/contractual-context-limits-scope-of-judicial-review European Court of Human Rights adds to growing body of climate change caselaw https://www.hsfkramer.com/notes/publiclaw/2025-posts/european-court-of-human-rights-adds-to-growing-body-of-climate-change-caselaw New insights into legal challenges under the Subsidy Control Act 2022 https://www.hsfkramer.com/notes/publiclaw/2025-posts/new-insights-into-legal-challenges-under-the-subsidy-control-act-2022 High Court dismisses challenge to Naming Announcement by the FCA https://www.hsfkramer.com/notes/publiclaw/2025-posts/high-court-dismisses-challenge-to-naming-announcement-by-the-fca Court of Appeal clarifies compensation rights under the National Security and Investment Act 2021 https://www.hsfkramer.com/notes/publiclaw/2025-posts/court-of-appeal-clarifies-compensation-rights-under-the-national-security-and-investment-act-2021
Send me a text and please visit www.livefrommydrumroom.com Celebrating the 50th Anniversary of the iconic album "Frampton Comes Alive" released January 15, 1976, with legendary FCA bassist, Stanley Sheldon. Stanley takes us back to his audition and joining Peter Frampton's band in early 1975, going on tour and ultimately recording this live masterpiece. He also shares stories and insights from his many years with Peter. So come along for the ride, and please subscribe! Check out E137 TrackTalk With Stanley Sheldon for a deep dive into "Do You Feel Like We Do" https://youtu.be/yGccpJoPIOA?si=8Cfiy0HyCnW9JMhY Live From My Drum Room T-shirts and Hoodies are now available! 100% of the proceeds go toward my PAS scholarship. Visit https://livefrommydrumroom.com for details! Live From My Drum Room With John DeChristopher! is a series of conversations with legendary drummers and Music Industry icons, hosted by drummer and music industry veteran, John DeChristopher, drawing from his five decades in the Music Industry. Created in 2020, and ranked BEST Drum Podcast, "Live From My Drum Room With John DeChristopher!" gives the audience an insider's view that only John can offer. And no drummers are harmed on any shows! Please subscribe!https://livefrommydrumroom.comwww.youtube.com/c/JohnDeChristopherLiveFromMyDrumRoom
For more information on the Franklin, TN chapter of the New Canaan Society, go here: https://newcanaansociety.org/franklin/ Have you ever felt like you knew what life with God was all about? Have you ever been surprised by His voice disrupting everything you thought you knew—inviting you deeper? Bryan Josey went from playing football at Vanderbilt to leading in his community, including serving as chairman of the board for FCA in Rutherford County. After decades of leadership, 29 years of marriage, and two grown sons, Bryan's story—and his walk with God—are still developing. It's a powerful reminder that faith and purpose don't stop when life feels successful or comfortable. Bryan is passionate about men's ministry, so come ready to be encouraged, challenged, and connected with other men chasing the same thing—a life that matters.
Welcome to the award-winning FCPA Compliance Report, the longest-running podcast in compliance. In this inaugural episode of 2026, Tom Fox welcomes back his good friend and colleague, Mike Volkov, to reflect on the tumultuous year of 2025 and discuss the new trends for the upcoming year. This is Part 2 of a two-part series. This episode delves into the significance of the False Claims Act (FCA) as a critical tool for government enforcement, discussing its constitutionality and potential outcomes before the Supreme Court. The conversation expands to discuss how FCA applies across various areas, such as trade enforcement and tariffs, and how it encourages corporate whistleblowing. Additionally, the discussion highlights the growing role of technology, AI, and ChatGPT in compliance, as well as the risks associated with their use. Other focal points include the importance of conflict-of-interest programs and the impact of ethical conduct on marketplace dynamics. The episode underlines the growing scrutiny from financial institutions and private equity over compliance practices, as well as the long-term trend towards a more ethics-driven corporate culture. Key highlights: Supreme Court and Constitutionality Issues on the FCA Corporate Whistleblowers and DOJ's Stance Technology, AI, and Compliance Risks Conflict of Interest and Ethical Culture Marketplace Accountability and Corporate Reputation Financial Institutions and Due Diligence Resources: Mike Volkov on LinkedIn Volkov Law Group Tom Fox Instagram Facebook YouTube Twitter LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textIn this episode of the Hodge Pack podcast, Hodge, Josh and Misti take a look at the growing carousel of NFL coaching jobs. Mike Tomlin step's down as the Pittsburgh Steelers head coach. What does this mean for the Steelers and the rest of the organizations in the NFL? The PGA Tour is welcoming LIV players back to the tour.The Department of Justice is investigating another college sports point shaving scandal. Misti opens her back with the question of, "If you were a candle what would the name and scent be?The NFL Divisional round is set to be an interesting and cold one. Josh Hardcastle with Big Country Athletics, joins the show to discuss the FCA All Star week. Hardcastle also discusses, how FCA is impacting lives throughout the Big Country.Support the show
If the stories are to be believed, and the first casualty of war is truth and all that, Venezuelan President Nicolas Maduro sent some 3.6 million ounces of gold - $16 billion in today's money - to Switzerland before 2017, when the EU brought sanctions against Venezuela.Switzerland last week froze his accounts and the accounts of some 36 others with close ties. We don't know how much money he had in them, or how many accounts there were, but the figure doing the rounds is $10 billion.It has also emerged that Tether has been freezing “wallets identified as being involved in the Venezuelan oil trade.” As much as 80% of Petroleos de Venezuela's oil revenue is believed to be transacted in tether. This could be a total figure in the billions too.We also know that Venezuela was mining bitcoin for many years - when the price was a lot lower - but we don't know what they did with the coins. Did they fall into Maduro's hands? Were they sold? Were they held?The number doing the rounds here that it owns 600,000 BTC (~$60 billion). That would put Venezuela up there with Michael Saylor and Strategy. It's three times the 198,000 coins the US government itself is said to own.There's a seed phrase I'd like to know. Where are the keys, I wonder?And where did the proceeds of Venezuela's enormous oil, gold and other natural resource exports end up, exactly? Only some of them we know. At this point we remind you that the Venezuelan currency itself - the bolivar - collapsed in hyperinflation and has little to no value. Beware national currencies, particularly under socialist regimes. They don't last.There are several things I take away from all of this.First, the US dollar - whether via SWIFT or stablecoin - remains the number one international currency of choice, even for America's enemies.Second, tether and other US dollar stablecoins might be convenient - you don't have to use banks - but Tether will do what the US government tells it to do, and if the government wants your assets frozen, Tether will freeze them.Stablecoins, then, have a central point of failure. If someone can freeze them, they are not sovereign. And just as the US froze Russian US dollar assets after its invasion of Ukraine, so can and will it freeze the stablecoin assets of its enemies too.What did that 2022 freezing of Russian assets trigger? The mother of all bull markets in gold, and then silver and miners.What will this freezing trigger? A bull market in bitcoin. Possibly. Likely.It's already creeping back up.While the US does its geo-political, strategic, critical minerals thing, quaint old Western Europe is sinking deeper into higher taxes and - I'm sure they're coming eventually - capital controls. In fact, capital controls already exist in effect, banks are so heavily regulated and limiting of what you can send and to whom.The value of permissionless, international money just went up.You need to own money that they can't touch, whether by seizure or debasement.Meanwhile …Gold and silver continue to go bananas - the latter especially.So many roads lead to gold at the moment, it's hard to see when this stops.The inevitable debasement of national currencies off the back of uncontrollable government spending. Gold. Dedollarisation. Gold. Increasing geo-political uncertainty - Iran, Venezuela. Gold. Reshoring of US industry - highly inflationary. Gold. Revaluation of US gold holdings. Gold. Looming crisis from Japan as yields spike. Gold. China's ambitions for its currency and trade. Gold. Triffin's dilemma. Gold. AI putting everyone out of work leading to more money printing. Gold. Declining competence of and as a result faith in institutions worldwide. Gold.The dollar has now fallen to a 40% share of global central bank reserves, while gold is now at 30% on the back of its higher price and central bank accumulation. (Note currency and reserves are not the same).We are in a major capital rotational event the like of which occurs only every few decades.Typical portfolios are still underweight gold.If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, US, Canada and Europe or you can store your gold with them. More here.Own bothAs regular readers will know, I advocate owning both bitcoin and gold. The two assets have many similarities in that they are non-government, independent money. But the fundamental difference is that one is physical and one is digital.Both have their uses, and I have little patience with this notion that one must choose one or the other.In that regard, as with many others, my worldview is aligned with that of Charlie Morris (whose newsletters I urge you to subscribe to. There are lots of free options, including Atlas Pulse, which I love). Remember many years ago Charlie was calling for $7,000 gold by the end of this decade and many thought he was dotty. His call is looking perfectly sensible now, which it was - and which he is. Charlie previously managed a multi-billion-dollar fund for HSBC, before going solo. Aside from his newsletter, one his main endeavours has been BOLD, and he has been trying to get it listed for years. But the UK's Financial Conduct Authority is retarded.BOLD is a fund you can buy through a broker which is 75% gold and 25% bitcoin - all properly audited and backed, of course, with institutional-grade custody.Over the past five years, BOLD has returned 186%, while bitcoin has returned 202%, gold 128%, and equities 77%. The average return of bitcoin and gold together was 165%, yet BOLD was 21% ahead. This is because every month Charlie rebalances the portfolio, effectively buying more of whichever is the weaker asset to retain that 75:25 ratio. This act of rebalancing both strips out the volatility and increases the gains.Since Charlie first conceived of it in 2017, over pretty much any timeframe, BOLD (in blue) has beaten everything.Since its listing in Europe in 2022 BOLD has returned 123% since launch (in GBP to end 2025 including fees) compared to 111% for bitcoin and 113% for gold.It would have been nice to have been able to enjoy these gains in the UK. Thank goodness the FCA has protected us from them.Not for much longer.I was delighted to be at the London Stock Exchange yesterday to see the listing of this product which delivers “bitcoin-like returns with the lesser volatility of gold.”Congratulations, Charlie, for finally getting this listed. I wish you every success.Now we can actually invest.Obviously, if gold AND bitcoin both turn down, BOLD will suffer. But this is a classic buy-and-forget product, perfect for the Dolce Far Niente portfolio. You can own it in your pension, your ISA and it should become a mainstay of any portfolio.The 21Shares Bitcoin Gold ETP, BOLD, has the ticker LSE:BOLD.I am a buyer.PS some brokers such as AJ Bellend have only made this product available to pro investors. The broker I use is Interactive Investor, who are pretty good about getting these kinds of things live. If you open an account via this link you get a year's free. I am just on the phone to them now to get this listed.Disclaimer:The Flying Frisby is not regulated by the Financial Conduct Authority (FCA) or any other regulatory body as a financial advisor. Therefore, any information provided in this newsletter does not constitute regulated financial advice. It is solely an expression of opinion. Please conduct your own due diligence and consult with a financial advisor, if you have any doubts. Remember, markets can both rise and fall, especially in the case of small and mid-cap stocks. I am not aware of your individual financial circumstances, so only invest money that you can afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe
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