Podcasts about Finance

Dec 6, 2024 – Financial Sense Newshour's Jim Puplava interviews Mark Mills, Executive Director of the National Center for Energy Analytics, on the rapidly growing demand for electricity in the US, driven by AI, data centers, EVs, reshoring of...

Dec 6, 2024 – In today's Smart Macro edition of the Financial Sense Newshour, Chris Puplava provides his analysis on recent consumer and manufacturing data, noting a jump in both consumer confidence and auto sales. This, along with our leading...

Crypto News: Ripple CEO Brad Garlinghouse says 60 minutes interview will air this sunday December 8th and it could send XRP pumping to $3. SEC blocks Solana ETFs.Show Sponsor -

After climbing the ranks of the high finance ladder, Codie Sanchez felt lost. She was no longer in charge of her day-to-day life, despite her years of schooling and hard work. She decided to use the insights she had gained to build her own portfolio of what she calls “boring businesses.” Now, she is out to help others do the same, quickly becoming one of the biggest female business influencers in the world. In this episode, Codie breaks down her step-by-step approach to identifying, buying, and scaling small businesses that most people ignore but yield big returns. In this episode, Hala and Codie will discuss:  (00:00) Introduction  (03:18) From Journalism to Finance (05:11) Breaking Corporate Chains (08:09) Battling Bias as a Woman in Finance   (11:21) Unorthodox Wealth Creation Strategies   (20:00) Should You Really Diversify Your Income Streams?   (24:06) Wealth from Boring Businesses   (27:09) Six Creative Strategies to Buy a Business (35:11) Spotting Motivated Sellers (37:05) Key Metrics for Evaluating Businesses  (40:27) Finding Hidden Gem Businesses (53:53) Codie's Secrets to Success   Codie Sanchez is the founder of Contrarian Thinking and co-founder of Unconventional Acquisitions, focusing on small business acquisitions and roll-ups in the micro-PE space. She runs a holding company of service-based SMBs under $10M EBITDA, emphasizing "boring businesses." She previously led First Trust's $1B Latin America business and held leadership roles at Goldman Sachs, State Street, and Vanguard. She started her career as an award-winning journalist and has since become a recognized investor and thought leader. She holds an MBA from Georgetown University and serves on boards like Permian Investment and Magma Partners. Connect with Codie: Codie's Website: https://www.codiesanchez.com/#intro  Codie's LinkedIn: https://www.linkedin.com/in/codiesanchez/  Codie's Twitter: https://twitter.com/codie_sanchez  Codie's Instagram: https://www.instagram.com/codiesanchez/  Sponsored By: Airbnb - Find yourself a co-host at airbnb.com/host. Mint Mobile - To get a new 3-month premium wireless plan for just 15 bucks a month, go to mintmobile.com/profiting  Found - Try Found for FREE at https://found.com/profiting  Working Genius - Get 20% off the $25 Working Genius assessment at www.workinggenius.com/ with code PROFITING at checkout Shopify - Sign up for a one-dollar-per-month trial period at youngandprofiting.co/shopify    Indeed - Get a $75 job credit at indeed.com/profiting    Resources Mentioned: Contrarian Thinking: https://contrarianthinking.co/  Unconventional Acquisitions: https://unconventionalacquisitions.com/  Top Tools and Products of the Month: https://youngandprofiting.com/deals/  More About Young and Profiting Download Transcripts - youngandprofiting.com Get Sponsorship Deals - youngandprofiting.com/sponsorships Leave a Review - ratethispodcast.com/yap Watch Videos - youtube.com/c/YoungandProfiting   Follow Hala Taha LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ TikTok - tiktok.com/@yapwithhala Twitter - twitter.com/yapwithhala   Learn more about YAP Media's Services - yapmedia.io/

Dec 5, 2024 – In today's FS Insider podcast, we're going to discuss how bitcoin got to $100,000 looking at its philosophical and technological foundations with early seed investor and leading Bitcoin expert Trace Mayer who began investing...

Ron Hammond of the Blockchain Association joined me to discuss Donald Trump appointing Paul Atkins as the next SEC Chair, chances of the Bitcoin Strategic Reserve Bill getting passed, and recent crypto hearings.Show Sponsor - ⭐️ Learn about BitGo, one of the top crypto custodians - https://www.bitgo.com/

Crypto News: Gary Gensler and SEC continue lawsuit attack on Binance. Donald Trump picks David Sacks as White House AI & Crypto Czar. A Nasdaq-listed company plans to buy XRP and Bitvoin for its corporate treasury.Show Sponsor -

Brady Dale is the author of the Axios Crypto Newsletter.

As we look back, 2024 was marked by a delicate balance between economic recovery and ongoing challenges. Despite some positive developments, the global economy faced hurdles that influenced investor sentiment and strategic decisions. Central banks navigated complex inflationary pressures, while investors sought to adapt to a rapidly changing environment. Jean Boivin, Head of The BlackRock Investment Institute, joins Oscar to help us look ahead to the new year. Jean will provide insights into the structural shifts we anticipate and explain how investors can navigate the five mega forces that the BlackRock Investment Institute identifies as key drivers of the new macro regime.This content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. In the UK and Non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets. Reference to the names of each company mentioned in this communication is merely for explaining the investment strategy and should not be construed as investment advice or investment recommendation of those companies. For full disclosures go to Blackrock.com/corporate/compliance/bid-disclosuresSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In Mark 10:7, Jesus tells us, “A man shall leave his father and mother and hold fast to his wife, and the two shall become one flesh.” But does “becoming one” extend to the checkbook? Should husbands and wives have joint or separate bank accounts? Let's explore this question and see if the Bible says anything about it. What Does the Bible Say About Joint Finances?The Bible doesn't specifically address joint or separate bank accounts, as their banking looked much different than our modern system today. However, Scripture provides timeless principles that guide financial unity in marriage:1. Marriage Is About OnenessIn Mark 10, Jesus emphasizes that marriage involves two becoming one. While spouses remain individuals, marriage is a partnership requiring trust, openness, and communication—qualities that are essential for managing finances together.2. Promote Transparency and TrustJoint accounts can foster financial transparency and eliminate the temptation for hidden spending. They encourage couples to avoid a “mine” and “yours” mentality, aligning with the biblical principle of unity.3. Avoid Division in Financial ManagementSeparate accounts can complicate money management. For example, you might face cash flow issues if one account is short while the other has surplus funds. Joint accounts simplify tracking expenses and meeting obligations, reducing potential stress.Why Financial Unity MattersSome couples argue that one spouse might handle the grocery budget while the other manages larger financial decisions through separate accounts. However, this approach can lead to problems:Lack of Awareness: One spouse may remain uninformed about the family's overall financial health, creating difficulties if something happens to the other. Missed Communication Opportunities: Regular money conversations build mutual understanding and accountability, ensuring both spouses are on the same page.Scripture underscores the importance of unity in decision-making. Amos 3:3 asks, “Do two walk together unless they have agreed to do so?” Financial unity reflects God's design for marriage as a partnership built on trust and shared goals.Practical Steps for Financial UnityIf you're transitioning to joint accounts or considering how to manage money as a couple better, here are some tips:1. Start a Monthly Money DateSet aside time to review your budget, discuss goals, and address concerns. These “money dates” keep communication open and help you align your priorities.2. Build an Emergency Fund TogetherA shared emergency fund protects your family from financial shocks and reinforces your commitment to mutual goals. Aim for three to six months' worth of expenses.3. Use Tools to Simplify BudgetingTools like the FaithFi App can help couples manage finances collaboratively, offering transparency and clarity about income, spending, and saving.Biblical Wisdom for Financial OnenessGod's Word offers timeless wisdom for every aspect of marriage, including finances. Ephesians 5:21 instructs, “Submit to one another out of reverence for Christ.” This mutual submission applies to all areas of marriage, including how you manage God's resources.By embracing financial unity, couples reflect the oneness God intends for marriage. Whether through joint accounts, frequent money conversations, or shared goals, striving for unity in finances strengthens both your marriage and your walk with Christ.As you consider whether to have joint or separate bank accounts, remember that the goal is unity—not just in finances but in every area of your marriage. Take time to pray, communicate openly, and align your financial decisions with biblical principles. Together, you can honor God and steward His resources wisely.On Today's Program, Rob Answers Listener Questions:I've been paying about $100 monthly for life insurance for a few years. Is it really necessary? What's the benefit of it?I appreciate your show and advice on Certified Kingdom Advisors (CKAs). Thanks to a CKA, I could retire at 54 and work full-time for a ministry that I am very passionate about. They did more for me than any other financial professionals. Your advice on CKAs is something listeners need to take seriously.I'm struggling to make up the money I lost during the three months I had to take off work due to some severe health issues I was dealing with back in April. I know that money is gone, and I won't be able to make it up, even with overtime. I'm having difficulty accepting that and moving forward, even though God provided for us during that time, and we didn't miss any payments.We have an investment property that we've paid off completely. We're both 55 years old and debating whether to keep or sell the property and roll the proceeds into a retirement plan since that's all we have for our retirement. Can we roll over the investment property into a retirement plan to avoid taxes?Resources Mentioned:Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Corbin (@CHosler), Jason (@jasonEAlt), and DJ (@CardgardenMTG talk about legacy, Black Friday Buys, and more ways to win than you can handle. Check us out on Youtube because everything is better with video. https://www.youtube.com/BrainstormBrewery 

In this episode, we review the results of the third quarter earnings season and the implications for earnings given the anticipated policies of the incoming administration. To read this week's Sight|Lines, click here.  The views expressed in this podcast may not necessarily reflect the views of Stifel Financial Corp. or its affiliates (collectively, Stifel).  This communication is provided for information purposes only.  Past performance does not guarantee future results.  Investing involves risk, including the possible loss of principal.  Asset allocation and diversification do not ensure a profit or protect against loss.  © Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com See omnystudio.com/listener for privacy information.

Send us a textToday's Episode:Banking and Finance Questions at B2 Level Are you preparing for the Norskprøven or working in Norway's banking and finance sector? We present 20 common questions and answers at the B2 level, perfect for practicing conversational skills and industry-specific language. This is ideal for anyone looking to improve their Norwegian and gain confidence in professional situations. 

MacroVoices Erik Townsend & Patrick Ceresna welcome back, Justin Huhn. They'll explore the nuclear renaissance, Justin's bold prediction about the bottom of the nearly year-long correction in uranium mining stocks, the key fundamentals shaping the sector's future, and much more. https://bit.ly/3Vobdgm   ⚫ Follow Justin on X: https://www.x.com/UraniumInsider

Todays show: In the latest edition of Startup Finance Basics, Jason sits down with Scott Orn from Kruze Consulting to tackle essential year-end planning for startups. "Year-End Planning: Setting Your Startup Up for Success," covers crucial topics like assessing next year's fundraising needs, crafting an operating plan, preparing for taxes and compliance, and more. Don't miss these practical tips to ensure your startup is ready to thrive in the new year! * Timestamps: (0:00) Kruze COO, Scott Orn, joins Jason (2:17) Evaluate Your Fundraising Needs for Next Year (7:05) Financial Statement Review and Clean-up (8:34) Set High-Level Goals and Strategy (11:27) Cost Optimization Review (13:39) Create Next Year's Operating Plan (17:19) Tax and Compliance Planning (19:02) Team and Equity Management (20:22) Cash Management Strategy * Check out Kruze: https://kruzeconsulting.com Check out more Finance Basics here: THISWEEKINSTARTUPS.COM/basics * Subscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.com Check out the TWIST500: https://www.twist500.com * Subscribe to This Week in Startups on Apple: https://rb.gy/v19fcp * Follow Scott: LinkedIn: https://www.linkedin.com/in/scottorn X: https://twitter.com/scottorn * Follow Jason: X: https://twitter.com/Jason LinkedIn: https://www.linkedin.com/in/jasoncalacanis * Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarland * Check out Jason's suite of newsletters: https://substack.com/@calacanis * Follow TWiST: Twitter: https://twitter.com/TWiStartups YouTube: https://www.youtube.com/thisweekin Instagram: https://www.instagram.com/thisweekinstartups TikTok: https://www.tiktok.com/@thisweekinstartups Substack: https://twistartups.substack.com * Subscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916

Understanding Bitcoin: The Ethical Money!Check out Pastor Coin  here https://x.com/pastorcoinSend Superchats at any time here: https://streamlabs.com/jaydyer/tip Get started with Bitcoin here: https://www.swanbitcoin.com/jaydyer/ The New Philosophy Course is here: https://marketplace.autonomyagora.com/philosophy101 Set up recurring Choq subscription with the discount code JAY44LIFE for 44% off now https://choq.com Lore coffee is here: https://www.patristicfaith.com/coffee/ Orders for the Red Book are here: https://jaysanalysis.com/product/the-red-book-essays-on-theology-philosophy-new-jay-dyer-book/ Subscribe to my site here: https://jaysanalysis.com/membership-account/membership-levels/ Follow me on R0kfin here: https://rokfin.com/jaydyerBecome a supporter of this podcast: https://www.spreaker.com/podcast/jay-sanalysis--1423846/support.

My husband and I find ourselves in situation where we don't know what to do with $200,000 we have sitting in our savings account.Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dec 4, 2024 – Eddie Yoon, founder of EddieWouldGrow and a regular contributor to Harvard Business Review, discusses the factors lining up for a golden age of US small businesses, which he believes will provide a continued tailwind to...

Crypto News: Bitcoins price smashes through $100K and is over $103,000. Donald Trump picks Paul Atkins as the next SEC Chair. Fed Chair Jerome Powell says BTC is not a threat to the US Dollar.Show Sponsor - ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

In this weeks episode of Insurance Town I had the honor and privilege of interviewing my good friend and Brother from another mother Brian Thompson of Descartes Underwriters. We talk about all things Parametric Insurance. I have to admit I've been in this industry a long time and I've also had the privilege of interviewing a lot of insurance professionals, but I had not one clue about parametric insurance, Until now!!Brian is so good at breaking this down for me, and for you the audience, I am so thankful he stopped by and hung out with me for a little bit. We laughed and learned alot today! Sponsors:A big shoutout to our amazing sponsors for making this episode possible:Smart Choice: Your go-to partner for independent insurance agents.Canopy Connect: The easiest way to gather insurance data directly from clients.Olde School Marketing: Helping agencies stand out with custom branding and marketing solutions.

Finance journalist Alan Kohler and Patricia Collins, who had just joined the Women's Royal Australian Naval Service, recall their vivid memories from the night that irrevocably changed DarwinIt's been half a century since Darwin was nearly completely razed by Cyclone Tracy.On Christmas Day in 1974, the monster cyclone bore down on the city, killing at least 66 people.Both Alan Kohler and Patricia Collins survived that night in very different circumstances.Alan was living in a share house on stilts with other young journalists at the time, and they were all huddled in the bathroom when the house fell down.The next day, he and his friends set about printing an emergency copy of the Northern Territory news to let locals know what had happened and what do to next.Patricia was still a teenager and had recently enlisted in the Women's Royal Australian Naval Service.Stationed at HMAS Coonawarra in Darwin, Patricia and the other women in the Navy were given the option to evacuate after the storm, or to stay.Patricia chose to stay and help get Darwin back on its feet.Further informationDisasters take time to work through — and it's ok to ask for support. If this episode of Conversations brings up any issues for you, you can call any of these helplines: You can also call any of these hotlines if you, or someone you know, is in distress:Lifeline on 13 11 14Beyond Blue on 1300 224 636Mensline on 1300 789 978Kids Helpline on 1800 55 1800Mental Health Line on 1800 011 511This episode of Conversations discusses natural disasters, storms, wet season, how to survive a cyclone, Darwin, Northern Territory, Top End, Monsoon Season, tropical weather, modern history, Australian history, books, grief, reflection, personal stories.

"From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked." - Luke 12:48When the housing market collapsed in 2008, more than 10 million Americans experienced crashing home values and foreclosures. But out of that financial chaos, a new company arose with a mission to do things differently. Harlan Accola joins us today to talk about it.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, which is an underwriter of this program. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. A Vision Born in CrisisMovement Mortgage stands out in the world of residential lending for more than its exceptional service. Founded during the tumultuous 2008 housing crisis, this company has defied the odds, growing into one of the largest mortgage providers in the nation. With financial institutions collapsing and the housing market in turmoil, Casey Crawford, a former NFL player, saw an opportunity to do things differently. Together with mentor Toby Harris, Casey envisioned a company that would not only provide world-class mortgage services but also glorify God and give back to communities. This bold vision became the bedrock of Movement Mortgage.Faith at the CoreCasey Crawford's faith played a pivotal role in shaping the mission of Movement Mortgage. Having witnessed poverty and systemic challenges across the nation, Casey felt called to address the needs of the disadvantaged. Inspired by the legacy of Christians historically building hospitals and schools, he sought to create a company that would embody these values in modern times. Movement Mortgage was designed to be more than a business—it was a vehicle to serve “the least of these” and bring hope to struggling communities.Innovative Programs with PurposeFrom the beginning, Movement Mortgage has been about more than profits:Love Works Program: Employees contribute to a fund to assist colleagues in times of need, fostering a culture of mutual support. Grace Works Grants: These grants provide resources to hundreds of organizations nationwide, impacting local communities directly.Despite its unique mission, Movement's success is rooted in its ability to deliver exceptional service. By prioritizing faster, better, and more efficient mortgage processes, Movement has earned trust and loyalty from clients and industry professionals alike. This commitment to excellence has attracted top talent and allowed the company to thrive.Transforming Lives Through the Movement FoundationCentral to Movement's impact is the Movement Foundation, which channels 50% of the company's profits into charitable initiatives. This unprecedented commitment has resulted in $377 million given to transformative causes worldwide. Some key initiatives include:Movement Schools: Seven charter schools in underserved areas provide free, high-quality education. These schools aim to break cycles of poverty by equipping children and families with resources for success. Disaster Relief: Whether it's distributing water to homeless populations during heatwaves or aiding hurricane recovery efforts, Movement responds to crises with compassion and action. Global Outreach: From clean water projects in Uganda to combating sex trafficking in Thailand, the Movement Foundation's global reach demonstrates its commitment to being the hands and feet of Jesus.Movement Mortgage's impact extends beyond financial transactions. Employees are encouraged to participate in vision trips and engage with the communities they serve. These experiences not only foster personal growth but also bring tangible hope to those in need. By aligning profits with purpose, Movement has cultivated a team united by a shared mission.Why Movement Mortgage?Choosing Movement Mortgage means more than securing a home loan. It's an opportunity to contribute to life-changing work, both locally and globally. Each mortgage funds efforts to combat poverty, provide education, and restore dignity to vulnerable populations.Movement Mortgage embodies the idea that business can be a force for good. With its unwavering commitment to excellence and dedication to advancing God's Kingdom, Movement is redefining what it means to lead with faith in the marketplace.To discover how Movement Mortgage can serve your home financing needs while supporting impactful initiatives, visit movement.com/faith.On Today's Program, Rob Answers Listener Questions:I'm 61 years old and currently drive about a 2-hour round-trip to work. We will sell our house and move closer to work, church, and the grandkids. Would it make more sense for us to purchase another home or maybe just rent instead?I have a $250,000 settlement coming in, and I understand I need to speak to a Certified Kingdom Advisor (CKA). But in the short term, besides my giving to the church, where should I park that money to try to get some short-term gains?Resources Mentioned:Movement MortgageMovement SchoolsMovement FoundationBankrate.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Investing in Integrity podcast, Ross Overline, CEO and co-founder of Scholars of Finance, speaks with Jessica Taylor, Managing Director and National Director of One Million Black Women at Goldman Sachs.  Jessica discusses the One Million Black Women initiative, a $10 billion investment commitment to create economic opportunities for Black women by 2030. She shares insights on the "Black in Business" program, which supports Black women sole proprietors with education and networking opportunities. The conversation explores the importance of mentorship, the role of storytelling in philanthropy, and the initiative's goal to close the racial wealth gap. Jessica also highlights the economic impact of investing in Black women and shares success stories from the program's participants. Join Ross and Jessica as they delve into the transformative power of intentional investment and the potential to drive systemic change in the finance industry. Meet Jessica Taylor Jessica Taylor joined Goldman Sachs in 2014, beginning her career in the firm's 10,000 Small Businesses initiative, a cornerstone philanthropic program designed to empower small business owners with the education and tools needed for growth. Her leadership in this space saw her oversee the program for several years before she transitioned to head the 1,000,000 Black Women initiative in June 2023. Launched in March 2021, the 1,000,000 Black Women initiative is a $10 billion investment commitment, with an additional $100 million in philanthropic capital, designed to advance economic opportunities for Black women in the United States by 2030. This initiative is rooted in the findings of Goldman Sachs' "Black Womenomics" report, which highlighted a significant racial wealth gap and the immense potential of investing in Black women to drive U.S. economic growth. Under Jessica's leadership, Goldman Sachs is addressing this gap through targeted investments to create jobs and boost annual GDP by an estimated $450 billion. Jessica credits the vision of senior women and women of color at Goldman Sachs for inspiring the initiative. She is proud to lead an effort that combines business strategy with social impact, proving that investing in Black women is a powerful economic catalyst.

This week, Sasha Orloff sits down with JustPaid founders Daniel Kivatinos, a successful YC founder behind the first iPad medical records company, and Anelya Grant, a Kazakhstan immigrant who built an accounting practice for YC startups, about how their unique backgrounds inspired them to tackle the critical challenge of accounts receivable automation with an AI-powered platform. For full show notes, visit: https://highlightai.com/share/309bb91f-34ee-4052-88e5-28718a9101da —

This interview with Alexander Bleier, Associate Professor of Marketing at the Frankfurt School of Finance and Management, explores the complexities of the creator economy and its reliance on social media platforms. Key topics include the role of platforms in content discovery, creation, and monetization, as well as the challenges and opportunities presented by emerging technologies like AI. The discussion explores the evolving relationship between creators, users, and advertisers, raising questions about the future of the creator economy as a sustainable career path.

Send us a textGuilt and regret, though intertwined, possess distinct differences. In today's episode, Bianca and I dive into the nuances of emotional responses, exploring regret's role beyond guilt. We explored whether regret can exist independently of guilt, examining personal choices and their repercussions. Our conversation culminated in a critical realization: surrounding yourself with empowering individuals can be life's most impactful decision. Tune in on this enlightening journey, navigating the complexities of regret and guilt to unlock your full potential.Here's the list of episodes related to today's discussion and why we highly recommend listening to them as well:#218 | Are You In Control, or Is Your Past? - https://apple.co/3Qkpw3t#345 | How To Not Be Guilt-Tripped - https://apple.co/4gg2AMXOut of the Mud (OOTM): How to Finally Feel Independent: https://bit.ly/4ge4ModLearn more about the On-Demand Therapy - #YouDoYou Program: https://evolveventurestech.com/therapy/_________________Connect with Emilia, Bianca & the EVOLVE VENTURES Community:Website: http://www.evolveventurestech.comInstagram - https://www.instagram.com/evolveventures/Facebook - https://www.facebook.com/EvolveVenturesTech  (Public Page)Evolve Ventures Society (Private Facebook Group) - https://www.facebook.com/groups/457130589193794Emilia's IG - https://www.instagram.com/evolvewithemilia/Emilia's TikTok - https://www.tiktok.com/@evolvewithemiliaBianca's IG - https://www.instagram.com/evolvewithbianca/Bianca's Tiktok - https://www.tiktok.com/@evolvewithbianca?_t=8gq3wqu4fAx&_r=1   Connect with Emilia & Bianca from Evolve Ventures for FREE: https://bit.ly/3THiEN4Show notes:(2:24) Guilt and regret(7:56) Functions for our well being(14:15) Can you have regret without guilt(22:18) Do you regret the past choices that you made?(27:21) Who do you surround yourself with?(29:16) Episode suggestions and outro***Leave them a 5-star review if you felt their energy, became inspired, or felt as though the value was added to your life in your EVOLUTION.(Stay tuned for this coming Monday's episode!)

In this episode, Patrick McKenzie (patio11) offers a reading of his viral essay, "The optimal amount of fraud is non-zero" with extensive live commentary. Patrick examines payment systems, benefits programs, and pandemic-era policies, to uncover how businesses and governments often intentionally accept some level of fraud as a cost of doing business. Reducing fraud to zero would require such restrictive verification that it would severely hamper legitimate commerce and social programs. Using examples from credit card processing to PPP loans, Patrick illustrates how different industries calibrate their tolerance for fraud based on their margins, mission, and societal role.–Full transcript available here: https://www.complexsystemspodcast.com/fraud-choice-patrick-mckenzie–Sponsor: GiveWell | CheckSupport proven charities that deliver measurable results and learn how to maximize your charitable impact with GiveWell. First-time donors get $100 matched. Go to givewell.org (and type in "Complex Systems" at checkout).Check is the leading payroll infrastructure provider and pioneer of embedded payroll. Check makes it easy for any SaaS platform to build a payroll business, and already powers 60+ popular platforms. Head to checkhq.com/complex and tell them patio11 sent you.–Links:Bits about Money, "The optimal amount of fraud is non-zero" https://www.bitsaboutmoney.com/archive/optimal-amount-of-fraud/Bits about Money, "The fraud supply chain" https://www.bitsaboutmoney.com/archive/the-fraud-supply-chain/ Dan Davies on Complex Systems https://open.spotify.com/episode/5QKxzgumJXSQuaWCmYAoM9?si=AWkgvWEBSymrQNqpehg5tQ–Twitter:@patio11-Timestamps:(00:00) Intro (00:32) Origins of the essay and Dan Davies' influence(02:16) Fraud is a policy choice(04:56) The unique nature of fraud enforcement (07:54) Who pays for payment fraud?(12:55) Fraud as a necessary business expense(21:13) Sponsors: GiveWell & Check(27:43) Credit reports(29:19) Anti fraud loops used in online commerce(35:38) Different business tolerances for fraud(37:20) High vs low margin fraud strategies(41:40) Fraud in Benefit Systems and Pandemic Programs(43:29) Taxes(45:38) Fraud as an intended component(51:55) Wrap

Welcome to a new episode of Get Creative! Today, host Justin Tuminowski sits down with Jessicaa Roberts to discuss the world of creative finance and innovative business strategies. Jessica shares her remarkable journey from the spa and wellness industry to the world of real estate investing and business acquisitions, diving deep into her experience of purchasing a wellness center using creative financing techniques, including leveraging private capital and seller financing. Tune in to listen to Jessica her strategies for building a strong team and finding the right partners, the differences between investing in real estate and acquiring businesses and much more.   Highlights: "I had my phone out multiple times about to send a catastrophic text, and I'm like, nope, nope. I'm smarter than this. I've been in business longer than this."   "If you're thinking right now, I don't know what to do if I was to buy a business. You can find a way to educate yourself, and you do not have to do it alone."   "60% of businesses are bought creatively in a huge percentage of businesses that are even listed on websites like bizbysell, they never sell."   Timestamps: 00:00 - Introduction to Creative Finance and Jessica Roberts 04:31 - Jessica Roberts' Background and Transition to Investing 06:41 - Challenges in Buying Businesses 09:04 - Details of the Wellness Center Acquisition 14:01 - Revenue and Cash Flow Analysis 19:12 - Impact of Owner Departure on Business Value 25:40 - Structuring Private Capital and Current Business Status 29:50 - Future Business Plans 30:43 - How to Connect with Jessica   ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast  ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: https://pacejmorby.com/exclusive-training-new?el=yt&htrafficsource=desc&utm_medium=video&utm_source=Apple&utm_campaign=getcreativepodcast&utm_content=    ► Join Our Free Facebook Group to Connect with Pace and his Students: http://paceapproves.com/freefb-yt?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/    PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby