Podcasts about financial products

On this week's episode: Is Chasing Stock Gains Worth the Stress in Retirement? The Power of Roth Conversions Annuities: The Missing Piece in Your Retirement Plan? Are Your Retirement Dreams Getting Lost in Market Noise? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Konuklar: Damla Köksal, Onur Can Avcı, Yusuf Batuhan Topçu, Oğuzhan Sofuoğlu 72. bölümümüzde konuğumuz Payment & Financial Products Frontend Chapter ekibi oldu. Ekip yapısını, projelerini, teknoloji stack seçimlerini ve çok daha fazlasını konuştuk! Trendyol Talks'da Trendyol'daki kültürümüzü, kültürümüzden beslenen iş yapış biçimlerimizi ve ritüellerimizi konuşuyoruz. Trendyol Talks podcast kanalımızı takip etmeyi unutmayın!    

Final SettlementConnect with OnrampConnect with Early RidersPresented collaboratively by Early Riders & Onramp Media...Final Settlement is a biweekly podcast that explores the breadth & depth of the bitcoin thesis—its underlying mechanics, ongoing development, real-world applications, & emergent role as sound capital.We'll cover current events, macro trends, investment insights, as well as our latest research on bitcoin and adjacent industries; and spotlight guests—builders, business owners, investors—to discuss their learnings from operating (or investing) with bitcoin as their hurdle rate.Hosted by Brian Cubellis (CSO at Onramp & Partner at Early Riders), Michael Tanguma (CEO at Onramp & Partner at Early Riders), & Liam Nelson (Partner at Early Riders), Final Settlement goes beyond the conventional view of bitcoin as mere “digital gold” and explores how this groundbreaking technology can benefit society by rearchitecting how value is transferred, verified, stored, and invested.00:00-Intro & Current Market Overview05:58-Stripe's Latest Acquisition & Its Implications08:54-The Administrative Push For Stablecoins14:46-SoftBank's Investment in Bitcoin Mining17:55-Mitch Kochman's Journey to Onramp20:44-Custody & Security in the Bitcoin Space37:10-The Importance of Strong Custodial Practices40:03-Multi-Institution Custody: A New Paradigm41:49-Banking's Role in Bitcoin Custody45:06-M&A Activity in the Banking Sector55:58-Navigating Volatility & Market Cycles01:05:22-The Future of Financial Products for Individuals01:16:29-Outro & DisclaimerPlease subscribe to Onramp Media channels and sign up for Research & Insights to get access to the best content in the ecosystem weekly.

While Australians sort out their finances and wait for a rate cut, Phil Tarrant and Finni Mortgages' Eva Loisance discuss how brokers can help investors navigate the complexities of lender policies and pricing, and discover products that might not be widely known. In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Finni Mortgage's Eva Loisance to unpack how Australians can tackle their financial goals with the help of mortgage brokers and financial tools. The conversation highlights a positive outlook among Australians anticipating potential rate cuts, though Eva is sceptical about a February reduction. The duo emphasise the importance of strong finance strategies for property investors, noting that mortgage brokers now handle 75 per cent of home loans in Australia. Eva then introduces the ANZ Low-Risk LMI Waiver product, which offers significant savings for high-value loans but has strict eligibility criteria, including specific postcodes and borrower requirements. As the property market evolves in 2025, Eva and Phil encourage listeners to seek professional advice to navigate the complexities of financing and investment decisions.

Learn how to pick the best financial tools for investing, mortgages, and travel rewards to meet your personal goals. What are the best financial tools for investing, mortgages, and travel rewards in 2025? Should you invest in collectibles like designer handbags? Hosts Sean Pyles and Sara Rathner discuss top-rated financial tools for achieving your money goals and what to consider when investing in non-traditional assets. They begin with a discussion of NerdWallet's 2025 Best-Of Awards, in which NerdWallet's team of experienced finance writers and editors researched more than 1,000 financial products and narrowed them down to just one winner per category to make it easier for you to choose what's best for you. Investing Nerd Sam Taube and mortgage Nerd Holden Lewis join Sean and Sara to share what they chose as the best product in their areas of expertise and why, offering tips and tricks on finding the right investment platform, understanding mortgage rates, and maximizing travel rewards. Then, investing Nerd Alana Benson joins Sean and Sara to discuss the pros and cons of investing in collectibles like designer purses, coins, or Magic: The Gathering cards. They explore how collectibles fit into a diversified portfolio, the hidden costs of holding physical assets, and when it makes sense to sell.  In their conversation, the Nerds discuss: best financial tools 2025, top travel credit cards, best mortgage lenders, Fidelity investment app, collectibles as investments, investing in designer bags, mortgage rates 2025, credit card rewards, Chase Sapphire Preferred benefits, how to choose a mortgage lender, Roth IRA rollover tips, U.S. Bank mortgage review, expense ratio explained, travel credit card insurance, long-term investing strategies, investing in purses, switching brokerage accounts, tax implications for collectibles, building a diversified portfolio, Fidelity ZERO funds, and financial tools for travel. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-inheriting-money

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-inheriting-money

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-income-planning

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-income-planning

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-indexed-annuities

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-indexed-annuities

Eric Kearney, and Joseph Lanza discuss the complexities of retirement planning, emphasizing the importance of understanding financial products like Wealthguard, the implications of national debt, and the necessity of realistic expense planning. They highlight common pitfalls retirees face, such as underestimating expenses and the role of financial advisors in navigating these challenges. The conversation also covers healthcare costs, social security strategies, tax management, and long-term care planning, ultimately encouraging listeners to make informed financial decisions for a secure retirement. Call Eric Kearney 800-779-1942 Visit Retirement Wealth LLC to learn more. Text Eric to 600700.See omnystudio.com/listener for privacy information.

Today's podcast, which repurposes a recent webinar, is the conclusion of a two-part examination of the CFPB's use of a proposed interpretive rule, rather than a legislative rule, to expand regulatory requirements for earned wage access (EWA) products. Part One, which was released last week, focused on the CFPB's use of an interpretive rule to expand regulatory requirements for buy-now, pay-later (BNPL) products. We open with a discussion of EWA products, briefly describing and distinguishing direct-to-consumer EWAs and employer-based EWAS. We review some of the consumer-friendly features that are common to EWAs, including that there is no interest charged and they are typically non-recourse, and discuss expedited funding fees and tips, neither of which is required to access EWAs. We also provide an overview of how some states have attempted to regulate (or specifically not regulate) EWAs. We then transition into a discussion of the CFPB's history with EWA products, including the Bureau's advisory opinion in 2020 that took a markedly different approach to EWAs, essentially taking the position that a certain subset of EWAs fell outside of the definition of “credit” under the Truth in Lending Act (TILA) and Regulation Z. The CFPB's proposed interpretive rule, on the other hand, states that EWAs are “credit” and that expedited funding fees and optional tips, in most circumstances, are part of the finance charge that must be disclosed under TILA and Regulation Z. We explore the Bureau's reasoning in support of these conclusions and some of the compliance difficulties that the proposed interpretive rule would create were it to go into effect as written. Since this recording took place, the CFPB has posted over 148,000 comment letters that it has received on the proposed interpretive rule, many of which are from consumers who use EWAs to access a portion of their earned wages prior to their scheduled payday and are concerned that the proposed interpretive rule could limit or jeopardize their access to EWAs. The high number of responses demonstrates the level of interest that the CFPB's proposed interpretive rule has generated. We conclude with thoughts about vulnerabilities with both the proposed interpretive rule for EWAs and the interpretive rule for BNPLs that we described in Part One of this podcast, as well as how these rules could potentially be challenged. One notable development that has occurred since our recording is that the Financial Technology Association has filed a complaint asking a D.C. federal court to strike down the interpretive rule for BNPLs because of the alleged violations of the Administrative Procedure Act that we discuss in this episode. Alan Kaplinsky, former Practice Leader and Senior Counsel in Ballard Spahr's Consumer Financial Services Group, moderates today's episode, and is joined by John Culhane and Michael Guerrero, Partners in the Group, and John Kimble, Of Counsel in the Group.

Jesse opens the show by sharing a personal anecdote about a former teacher's challenging investment choices, which were burdened with high fees from their financial advisor. He emphasizes the predatory nature of the financial advice teachers receive, encouraging teachers to seek better investment options from reputable firms like Vanguard and Fidelity. Finally, Jesse underscores the importance of being informed against the systemic issues in the retirement planning landscape for educators. Dan Otter joins for the second half of the show. Dan is the co-founder of 403(b)Wise, which aims to make information about the 403(b) readily available to educators. Together, Dan and Jesse delve into the complexities and challenges of 403(b) retirement plans for public school teachers. They address the absence of Federal fiduciary protections, the prevalence of predatory financial options, and the stark differences between high-cost and low-cost providers. This episode features valuable resources, including Otter's book Teach and Retire Rich and the 403(b)wise website, offering practical advice on avoiding high fees and poor investment choices.  Whether or not you are a teacher, you'll find this episode full of valuable education. And, be sure to share this with friends and family members who are teachers. Key Takeaways: • Be on the lookout for financial predators who'll lure you into high fee accounts. • The 403(b) is a great tool for your retirement. • There's a lack of federal fiduciary protections which allows for school teachers to be taken advantage of. • How 403(b)wise is helping educate teachers on their best financial options. • What to do if you've already invested your money in a high fee account. • How sales agents are incentivized to harm teachers. Key Timestamps: (02:17) Jesse's Monologue: Teachers Are Getting Taken Advantage Of (03:51) Advice for Teachers (09:24) Introducing Dan Otter and 403(b)wise (11:51) The Problem with 403(b) Vendors (18:03) Annuities in 403(b) Plans (24:12) Wise Consumer Tips for Financial Products (25:28) Understanding Fixed Income and Annuities for Teachers (27:46) The Ethical Dilemma of Financial Advisors (31:48) Advocacy and Resources for Teachers (37:11) Navigating 403b and 457(b) Plans (42:47) Conclusion and Final Thoughts Key Topics Discussed: The Best Interest, Jesse Cramer, Rochester New York, financial planner, financial advisor, wealth management, retirement planning, tax planning, personal finance, teachers, teacher finances, 403(b), 403b, 457(b), 403(b)wise Mentions:Website: https://403bwise.org/ LinkedIn: https://www.linkedin.com/in/daniel-otter-ph-d-0380a61/ Mentions: Teach and Retire Rich:  https://amzn.to/4dQloRi Ten Rules for Retirement Investing: https://www.youtube.com/watch?v=_ewjha6cu1M https://www.nytimes.com/2016/10/23/your-money/403-b-retirement-plans-fees-teachers.html https://www.nytimes.com/2018/03/16/your-money/403b-annuities.html More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

Abe delves into the complexities of retirement planning, particularly focusing on annuities. He explains the benefits and types of annuities, the importance of a balanced investment portfolio, and the need for regular evaluation of financial products to ensure they meet current needs and market conditions. Ready to get a second look at your retirement plan? Visit TheRetirementKey.com today and get a free copy of Abe's book The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement when you schedule an appointment!See omnystudio.com/listener for privacy information.

Today's podcast, which repurposes a recent webinar, is the first in a two-part examination of the CFPB's use of an interpretive rule, rather than a legislative rule, to expand regulatory requirements for buy-now, pay-later (BNPL) products. Part Two, which will be available next week, will focus on the CFPB's use of a proposed interpretive rule to expand regulatory requirements for earned wage access (EWA) products. We open with an overview of what interpretive rules are and how they differ procedurally and substantively from legislative rules. The intended use of interpretive rules is to explain the meaning of an existing provision of law, while legislative rules, which require a more complicated and time-consuming procedure, including a notice and comment period under the Administrative Procedures Act, are intended to be used to expand or implement a provision of law. We also discuss why the CFPB chose to use an interpretive rule and why they decided to include a request for comments when that is not required for interpretive rules. We then discuss BNPL products, including how they work and some of the features that have made them popular with consumers and merchants. We point out that the interpretive rule seems to represent a change in the views of the CFPB with regard to BNPL. After providing an overview of the CFPB's history with the product, including a report issued by the Bureau back in 2022, we delve into the details of the CFPB's interpretive rule. We discuss how the CFPB seems to be expanding the definition of a “credit card” to include what the Bureau calls a “digital user account,” which is how consumers access their BNPL information. We conclude with thoughts about the implications of the CFPB's interpretive rule and some of the difficulties that BNPL providers will have complying with the interpretive rule. This includes a discussion of the timing of billing statements and written notice requirements for billing error disputes and merchant disputes. Alan Kaplinsky, former Practice Leader and Senior Counsel in Ballard Spahr's Consumer Financial Services Group, moderates today's episode, and is joined by John Culhane, Michael Guerrero, and Joseph Schuster, Partners in the Group. The webinar was recorded before the CFPB issued an FAQ, which purports to answer a number of open questions raised by the BNPL interpretive rule. We recommend that you review the FAQ after listening to this podcast.  

John Stapleton, writer, instructor and former innovation fellow with the Metcalf Foundation Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the She+ Geeks Out podcast, we speak with guest Allison Byers, founder and CEO of Scroobious, about her journey into entrepreneurship.  Allison shares how she reclaimed her career after facing gender-based professional roadblocks and what it looks like to face the challenges of fundraising in the male-dominated venture capital industry. Allison discusses the concept behind Scroobious, which aims to make fundraising more accessible for underrepresented entrepreneurs by providing education, personalized feedback, and connections to angel investors. We dig into her involvement as a co-author of California Senate Bill 54, which mandates the collection of venture capital data, and her advocacy work with organizations like All Raise. Links We Mention:Scroobious, SB54, All Raise, Olympics Blog Post(00:06) Olympics, Paralympics, Inclusion, Workplace, Inspiration(13:15) Building a Diverse and Sustainable Company(25:05) Navigating Venture Capital and Angel Funding(32:47) Intersection of Human Capital and AI(42:38) Venture Capital, Diversity, & Mentorship(51:11) Future Trends in Diversity & Entrepreneurship(56:45) Empowering Women in Business(01:03:40) Thanking Allison Visit us at https://shegeeksout.com to stay up to date on all the ways you can make the workplace work for everyone! Check out SGOLearning.com and SheGeeksOut.com/podcast for the code to get a free mini course.

Download “How To Find Ultra High Net Worth Clients" from https://financialadvisorsworkshop.com/  Ryan Fleischer (https://x.com/revgroupllc) is the founder, chairman, and CIO of Revolution Group. He has spent his entire career helping people and institutions address their financial needs and goals. Ryan provides expertise in goals-based investing and innovative portfolio construction to entrepreneurs, founding CEOs, and high-net-worth individuals and families. In this episode, Brian and Ryan discuss: 1. The Importance of Forward-Looking Investment Strategies 2. The Value of Face-to-Face Client Interactions 3. Leveraging Data for Investment Success 4. Evolution of Financial Products and Advisor Practices LinkedIn: https://www.linkedin.com/in/ryanfleischer/  Company LinkedIn: https://www.linkedin.com/company/revolution-group-llc/  Website: https://www.revgroupllc.com/  Twitter: https://x.com/revgroupllc  Facebook: https://www.facebook.com/RevGroupLLC/  To see short videos of all our best FA Business Growing tips follow us on:  Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop   TikTok: https://www.tiktok.com/@faworkshop   YouTube: https://www.youtube.com/@financialadvisorsworkshop  Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop   Twitter: https://twitter.com/FAsWorkshop   iTunes: https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408   Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE   Website: https://www.financialadvisorsworkshop.com/   Work with FourStar: https://financialadvisorsworkshop.com/Advisors   DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

We're back with a new episode of practical financial advice to help you make informed decisions about your money! In this episode of Let's Talk Money, Monika explores how to build financial security for your child's present and future. Learn the importance of putting in place your own  life cover and your medical insurance, as well as the necessity of drafting a Will. She also discusses smart investment strategies, such as starting an index fund and a monthly SIP for higher education. Tune in for essential advice on securing your family's financial well-being. Monika also tackles your questions about flexible travel investment options, the flow between income and investment accounts, and achieving long-term financial goals amid potential tax changes. Chapters: (00:31 - 05:03) Financial Products for your Child (05:16 - 10:21) Short Term Investment Options (10:23 - 12:49) Cash Flow in the Three Account System (12:51 - 16:12) Navigating Tax Changes If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode, we delve deep into the highly debated topic of a potential real estate crash in 2025. I discuss the viral video "Housing Bloodbath 2025," analyze its claims, and share my perspective on whether we are truly on the brink of a massive downturn. With over 25 years of experience in the real estate market, I bring you insights into past trends, current metrics, and future opportunities. We'll explore the role of different financial products, the impact of interest rate changes, and the unique challenges and opportunities that lie ahead. [0:00] Introduction to Housing Bloodbath 2025 - Discussing the viral video and its predictions. [2:22] The Historical Context of Housing Crashes - Why predictions of a housing crash have been recurring since 2012. [4:44] Addressing Critics and Clarifying Misconceptions - Responding to accusations of being a real estate cheerleader. [9:24] Key Metrics and Historical Comparisons - Analyzing past market trends and the validity of current crash predictions. [14:13] The Role of Financial Products in Market Dynamics - Examining Alt-A lending and its modern equivalents. [18:06] The Impact of Interest Rates on Housing Prices - Understanding price elasticity and its effects on market stability. [23:39] Unemployment and Real Estate - How potential economic downturns could influence the housing market. [27:28] Long-Term Market Trends - Exploring the parallels between historical and current real estate cycles. [32:34] Inflation and Real Estate Investment - Why inflation is a feature, not a bug, in real estate investment. [37:00] The Greatest Opportunity in Real Estate - Identifying where the next major opportunities will arise in the market. One Rental at a Time: Get access to the 54-year real estate spreadsheet and other resources. Melody Wright's Twitter: Follow Melody Wright for more insights. Mortgage Bankers Association: For the latest data on FHA delinquencies and other mortgage trends. Thank you for tuning into this episode. If you found the discussion insightful, please rate, follow, share, and review our podcast. Your support helps us bring you more valuable content. Stay informed, stay prepared, and remember, the real estate market always presents opportunities if you know where to look.

Lex chats with Libor Michalek, the President of Affirm, a buy now, pay later (BNPL) company. Michalek discusses his early experiences with the internet and how it shaped his understanding of technology and its potential in the financial services industry. He explains how Affirm was founded with the goal of building honest financial products that improve people's lives, and how the convergence of e-commerce, mobile technology, machine learning, and access to consumer information enabled the company to create a credit product that aligned with consumer interests. Michalek also discusses the challenges of building a technology-driven finance company, the performance of Affirm's loans compared to credit cards and personal loans, and the company's approach to competition and future growth. MENTIONED IN THE CONVERSATION Affirm's Website: https://bit.ly/3Qo2DvILibor's LinkedIn: https://bit.ly/4bfsQVk Topics: fintech, buy now pay later, BNPL, e-commerce, machine learning, loans, credit,  credit cards, paymentsCompanies: Affirm, Thinking Machines Corporation, PayPal, Amazon ABOUT THE FINTECH BLUEPRINT 

Welcome to another episode of The Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller. For the past 18 months, we've been exploring what it will take to really deliver financial services and products that resonate with Gen Z. As the biggest generation in history, getting this right can be an existential problem for certain types of FIs It won't be easy. But according to Mahesh Raghavan, Associate Managing Director of Strategy at Publicis Sapient, it can be done using some untapped strategies used elsewhere in financial services and tech. Fresh from his session at the Tearsheet Gen Z Symposium in NYC, Mahesh is here to unveil some hidden gems of what it would take to build Gen Z-friendly financial products. Mahesh uncovers the often-overlooked strategies that could hold the key to captivating this discerning demographic. From personalized offerings to holistic loyalty initiatives, Mahesh shares five transformative tactics reshaping the financial landscape for the Zoomer generation. But the journey doesn't end there. Mahesh guides us through the intricacies of peer-oriented engagement and intergenerational approaches, shedding light on Gen Z's financial mindset. Moreover, Mahesh underscores the importance of research, hypothesis, and experimentation in ensuring the viability of these strategies. In an era where innovation reigns supreme, Mahesh's insights serve as a beacon of guidance for financial firms seeking to forge meaningful connections with Gen Z. So, dear listeners, join us for this interesting presentation as we unearth the latent potential of Gen Z-friendly financial products with Mahesh Raghavan. Read a write-up on Mahesh's talk here: https://tearsheet.co/banking/exploring-untapped-strategies-to-create-gen-z-friendly-financial-products-with-publicis-sapients-mahesh-raghavan

One of the most frustrating moments in any investor or saver's life is when you figure out that you fell prey to a "gotcha" you didn't expect and either lose money, opportunity, or both. Even if your favorite financial tool, strategy or advisor doesn't mean to inflict a "gotcha" on you, because we often don't know what we don't know, we use tools or people inefficiently, causing damage to ourselves we didn't expect. Today we talk about intended and unintended "gotchas" in financial products with three people who know and who've seen many problems firsthand. All of them are Certified Financial Planners, and all three are hosts of great podcasts. Shannah Game (Everyone's Talkin' Money), Roger Whitney (Retirement Answer Man), and our very own OG debate and discuss many of the nuanced (and sometimes not-so-nuanced) "gotchas" in investments, insurances, financial planning, and more. That's not all though. Of course we take a break halfway through for our weekly trivia contest between our contributors. Today? Doug's building bridges! You'll have to hear it yourself and maybe guess your answer. Can you beat our contestants? FULL SHOW NOTES: https://www.stackingbenjamins.com/person-finance-gotchas-1496 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bank Negara hopes its Financial Inclusion Framework 2023 to 2026 will result in affordable financial products and services available to all segments of Malaysian society, regardless of geographical location or income level. The key here is to expand digital financial services. Vincent Fong, Chief Editor of Fintech News Malaysia looks at the developments so far.

Welcome, everyone, to another episode of The Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller And for today's episode, we're embarking on an insightful journey with two professionals I consider as visionaries – we've spoken a few times over the years – They're the co-founders at the helm of Current, a pioneering neobank based in the heart of New York City. Joining us are Stuart Sopp, CEO and co-founder of Current, and Trevor Marshall, the CTO and co-founder, both instrumental in helping to shape the landscape of modern banking for everyday Americans. Recorded in September of 2023, we dive deep into the genesis of Current's latest product, the Credit Builder Card. But beyond that, we'll explore the broader trends impacting financial services and its customers. From the impact of inflation and rising interest rates to the evolving needs of Gen Z consumers, we'll dissect the challenges and opportunities facing today's banking industry. Here's my conversation with Current's Stuart and Trevor. The big ideas Addressing the Need for Credit Building in a Changing Economic Landscape: "We saw a crucial need to help our members build credit effectively. The Credit Builder Card emerged from our deep understanding of our customers' needs and the changing economic climate." - Stuart Seamless Integration of Financial Products into Users' Lives: "We wanted to create a product that seamlessly integrates into our members' lives, offering a solution that not only builds credit but also enhances their banking experience with us." - Trevor Emphasis on Financial Education and Behavior Change: "We've really guided users towards adopting the best behaviors, the best possible practices to ensure that they are really getting the biggest benefits out of the product." - Trevor Accessibility and Inclusivity in Banking Products: "Our data suggests that there's strong interest across various demographics, including Gen Z. By offering a product that combines accessibility, education, and value, we're breaking down barriers to credit building and empowering all our members to achieve their financial goals." - Stuart Continuous Improvement and Focus on Long-term Relationships: "We're focused on continuous improvement, ensuring that we deliver unparalleled value to our members while driving towards profitability. Additionally, we're exploring new avenues for lending and business model innovation to further support our mission of financial empowerment." - Stuart Adapting Technology to Enhance User Experience and Financial Services: "We've built into our own core stack. So all of the products and services that we build can talk to each other. And that's in both our live production systems and our analytics and downstream customer data platform." - Trevor Anticipating and Preparing for Future Shifts in Financial Paradigms: "We are well prepared for both sides of that equation. We are early, as we always are, but we are well prepared for both sides of that equation." -

My Website Agency Launch training. Agency Launch Podcast. Music by Roger Clyne and the Peacemakers Simply Explaining Insurance on ITunes Simply Explaining Insurance on Spotify. On Stitcher On Android use Podcast Addict and search for Simply Explaining Insurance. The post Simply Explaining Insurance #292- IUL Vs. Financial products appeared first on Dietz Agency.

In this episode, Scott Kooiman chats with Steve Farrington from Unity Home Loans, debunking myths and shedding light on the true workings of reverse mortgages. From the misconceptions surrounding ownership to credit requirements and inheritance, they unravel the complexities of this financial product, aiming to provide a comprehensive understanding. With insights, anecdotes, and industry expertise, this episode demystifies the concept, offering a clearer picture of the possibilities and considerations related to reverse mortgages.

This is the first episode in our new series Exchanges that have nothing to hide - conversations with the ClearLoop network.  Join Simon Morgan and Fragkiskos Gonidis of Copper as they speak with David Lo, Head of Financial Products and Wealth Management at Bybit about the maturing market infrastructure, the growing number of institutionally viable investment vehicles, and what seems to be a promising year ahead for crypto. The conversation goes into detail about ClearLoop, Coppers off-exchange settlement solution as well as Bybit Institutional's fund pools and structured products. 

Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. We've got a great show prepared for you today. We're going to be talking about "Reimagining the Last Mile in Banking and the BaaS Business Models that will ensure Safe and Secure Delivery of Financial Products." We've assembled a panel of experts that will provide valuable insights into the current state and the future of Banking as a Service business models. You'll hear how these models are morphing to reshape the financial industry. As we explore where banking and BaaS has evolved from, we'll also tackle BaaS Business Models in the future and the Path Forward for the different players in the ecosystem. Joining me on the show today is  🔷 Kate Drew, Director of Research at CCG Catalyst Consulting Group: Kate brings over a decade of industry experience and is a renowned fintech thought leader. Her insights have been featured in publications like CNBC, The Fintech Times, and Business Insider, making her a sought-after expert in the field. 🔷 John Bearden, Chief Banking Officer, Thread Bank: John is CBO of Thread Bank. Previously, he served as President of the Middle Tennessee Banking Group at Renasant Bank. He previously led the Depository Fixed Income practice at Stifel Financial and Sterne Agee where he worked with depository institutions around the country. 🔷 Sarah Howell, Head of Partnerships at Infinant: With her background in card payments and fintech, Sarah is a key figure in the BaaS landscape. She has played a vital role in the launch of Apple Pay and has been a thought leader during her tenure at Visa. Her insights have been featured in publications like American Banker and The Financial Brand. Tearsheet thanks our partner Infinant for helping make this conversation, and others like it, a reality. Without further ado, here's our show

Learn about intelligent automation in finance and how AI and ML can improve modern financial processes. The discussion was recorded live at Workday Rising in San Francisco, between analyst Michael Krigsman and John Hugo, VP of Financial Products & Go To Market at Workday. Important highlights from the conversation include:► *Digital Transformation in Financial Processes:* Insights into how digital transformation is reshaping financial processes, helping companies navigate economic changes and evolving business models.► *Intelligent Automation and Operational Efficiency:* Examination of the impact of intelligent process automation and AI on cost management, staffing, and compliance in finance.► *Adoption of AI Process Automation:* Discussion of the cultural shift towards data-driven decision-making, emphasizing the role of automation tools in leveraging real-time data and predictive analytics.*Read the complete transcript:* https://www.cxotalk.com/episode/intelligent-automation-in-finance-with-workday*John Hugo* joined Workday, Inc. as Vice President, Financials Products and Go To Market in 2015. Prior to Workday, John was Senior Vice President & Corporate Controller, and Principal Accounting Officer, at Life Time Fitness, Inc., a Minneapolis, Minnesota based Healthy Way of Life company. Prior to Life Time Fitness, John held accounting and financial leadership roles with CompleTel Europe, N.V. (Paris, France), Jones Intercable, Inc. (Denver, Colorado), and started his career at Arthur Andersen LLP (Denver, Colorado).*Michael Krigsman* is an industry analyst and publisher of CXOTalk. For three decades, he has advised enterprise technology companies on market messaging and positioning strategy. He has written over 1,000 blogs on leadership and digital transformation and created almost 1,000 video interviews with the world's top business leaders on these topics. His work has been referenced in the media over 1,000 times and in over 50 books. He has presented and moderated panels at numerous industry events around the world.#intelligentautomation #workdayfinancetraining #enterpriseai #financialmanagement #cxotalk

WE WANT TO ANSWER YOUR QUESTIONS ABOUT MONEY. EMAIL US AND YOU MAY HEAR YOURS ON THE AIR: ASKPETE@PETETHEPLANNER.COMIn this week's episode, Kristen, Dame, and Pete discuss whether or not they'd purchase an All-in-one mortgage or universal life insurance.

We want to answer your questions about money. Email us and you may hear yours on the air: askpete@petetheplanner.com In this week's episode, Kristen, Dame, and Pete discuss whether or not they'd purchase an All-in-one mortgage or universal life insurance. Click the... Read More The post Ep. 517: Considering unorthodox financial products appeared first on Pete the Planner®.

Are there financial products that scare you? Is personal finance scary? In Episode 45 of the HopeFilled Financial Podcast, Jay explains the difference between scary things and risky things. If something is risky and scary, you naturally avoid it for good reasons. When a financial opportunity is scary but not risky, are you missing out due to FEAR? Some common financial tools are genuinely risky, but they aren't scary! In those cases, pay extra close attention - these are the things that can GET YOU! If you want to know what financial products you should really be scared of, this is the episode for you! In today's story, Jay shares how he gave his boss a tick instead of a treat. A little prank turned out to be fruitful as it inspired today's episode. The budget tip is to create a separate budget sinking fund for "more expensive" holidays. You know what your favorite holiday is. You know how the costs can add up fast. Why don't we break up the saving into manageable chunks throughout the year? Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Today's episode features Dave Ramsey & Ken Coleman. The Ramsey Show Highlights is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Dr. John Delony, George Kamel & Jade Warshaw. Part of the Ramsey Network. Delivered to you seven days a week. Budget for free with EveryDollar: Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

There is a revolution happening in the world of EV financing and Tenet is leading the charge to make electric vehicles more accessible and more affordable through innovative products that deviate from traditional financial products and elevate the importance of offering a holistic solution for purchasing and owning EVs. Join me as I have a conversation with Alex Liegl, Co-Founder and CEO of Tenet, as we discuss the various ways that the company is breaking away from the status quo and pushing forward the mission of EV adoption.Content:0:00 - Titan Auto & Tire, my favorite place to take my vehicles for maintenance and repairs!0:19 - Intro and Welcome2:04 - Alex Liegl's Background and Start of Tenet8:20 - What Is Tenet? What do they do?13:37 - Bundling Ancillary Costs Into The Loan Saves $$$16:53 - Tenet Available Most States Where EVs Are Located17:56 - They Can Bundle Potential Tax Credits too22:47 - What Vehicle Pricing Limits Are There?25:26 - Partial Loan Value Deferral? How Does This Work?29:55 - Innovation Happens When You Stop Thinking Like The Status Quo32:08 - Does Tenet Help EV Owners Capitalize On The Value Of Their Vehicle After It Has Come to Its End Of Vehicle Life?35:14 - Will Tenet Expand Into Other Product Offerings?38:56 - A Couple Questions About Alex... What Does He Drive, and What Drives Him?42:52 - The Mission Is So Important50:37 - Tying it All Together...Tenet Website: https://www.tenet.com-------------------------------------------------------------------------------Podcast Partner: Titan Auto and Tire - Titan is one of the very few independent shops in Central Virginia that are qualified to work on EVs and Hybrids.  https://www.titanautotire.comPatreon Supporters: Director Tier - Rajeev Narayan, Andy Cooper, Ethan B.Executive Producer Tier - Christopher LawrenceProducer Tier - Charles Hall, Eric Weber, Alan Michel, Bruce GallantIf you would like to support the EV Resource Podcast, Magazine, Newsletter, and YouTube Channel, head over to Patreon and consider a monthly contribution. https://www.patreon.com/EVResourceDo you like to read your news as well as listen to it? Check out the EV Resource Weekly Newsletter:https://evresource.beehiiv.com/Instead of mandatory membership fees or paywalls, I use advertising and affiliate connections to keep The EV Resource Podcast and The EV Resource Magazine free for all of you. There are a number of discount codes and deals for you as well! Please consider supporting the sponsors who make EV Resource possible:https://www.ev-resource.com/dealsI also have on the webpage a small but growing collection of other products on Amazon that I recommend:https://www.ev-resource.com/ShopConnect with EV Resource on Social Media!Facebook: https://www.facebook.com/evresource1Instagram: https://www.instagram.com/ev_resourceTwitter: https://www.twitter.com/EV_ResourceWebpage: https://www.ev-resource.comEmail: hello@ev-resource.comSupport the showConnect with EV Resource on Social Media!Facebook: https://www.facebook.com/evresource1Instagram: https://www.instagram.com/ev_resourceTwitter: https://www.twitter.com/EV_ResourceWebpage: https://www.ev-resource.comEmail: hello@ev-resource.com

In this episode of the DeFi Download, Tommy Johnson, Core Contributor of PsyFi, joins Piers Ridyard to discuss their two-sided DeFi marketplace for structured products, which allows users to earn yield on their assets and traders to hedge or leverage their portfolio.SummaryPsyFi offers products such as covered calls, secured puts, and spread structured products, which PsyFi wraps up and tokenizes. The PsyFi team is developing a market-making vault product where users can deposit two-sided liquidity and earn fees based on participating in and providing liquidity for trades.Piers and Tommy explain what a structured product is and use covered calls as an example to discuss how the PsyFi platform works. They discuss the risks and rewards of PsyFi's covered call options compared to over-collateralized borrow-lending products like Aave. They also discuss the market need for a riskier product like PsyFi and the usefulness of buying covered calls or secured puts for market actors who have a directional view or want to hedge their positions.Key takeawaysPsyFi is a decentralised finance platform that allows users to trade options on Solana.A covered call is a selling strategy in which the user sells calls week-to-week, taking the position that the price of the underlying asset will not cross the strike price by the expiration date of the call.PsyFi's covered call options provide a 0.35% weekly return and 12% APY but can result in users making lots of money or suddenly losing money depending on the volatility of the asset. They are riskier than over-collateralized borrow-lending products like Aave.PsyFi's structured products provide an opportunity for people to earn impressive yields on their assets, but they require a directional view and are not a leave-it-and-see-what-happens kind of product.Buyers of PsyFi's structured products include speculators with market opinions and more institutional market makers who may be hedging across their book.Chapters[01:07] The definition of structured products[02:15] How a covered call works on the PsyFi platform[04:42] Does the trader's profit from a PsyFi covered call come from the user's Solana?[05:22] Selling volatility and making money through covered calls on PsyFi[06:21] What is the expected return on a two-week covered call on Solana?[06:50] The risks and rewards of PsyFi's covered call options compared to Aave's over-collateralized borrow-lending products[08:02] Why does the market need a riskier product like PsyFi?[09:20] What functionalities do buyers of covered calls or secured puts need, and why are these products necessary?[10:50] Using covered call options for asset exposure and risk hedging in DeFi[14:03] Are people primarily using the PsyFi protocol for hedging or speculation? [15:41] How does collateralization work in PsyFi's covered call scenario, even if a portion of assets have been sold?[17:20] Capital efficiency in options markets and borrow-lend protocols[20:12] How a high-interest rate environment has affected the market for structured products in decentralised finance[21:34] How has PsyFi responded to the higher yield environment created by the Fed?[24:23] Democratising market maker returns in DeFi with a delta-neutral vault[26:11] How does PsyFi evaluate market makers before granting access to capital?[27:43] PsyFi's launch date[28:03] Where to find out more about PsyFiFurther resourcesWebsite: psyfi.io Twitter: @PsyOptionsDocumentation: docs.psyfi.io

Today on our show, we're talking about the future of banking. Or, more specifically, how the true next wave of financial services experiences are becoming so embedded into our everyday lives, such a part of everything we do, that banking may become invisible altogether. You're going to hear a conversation between three leading voices in this space. Stephen Dury, Vice President of Financial Services for frog's parent company Capgemini Invent, who hosts a discussion with Janine Hurt, Chief Executive Officer for Innovate Finance, and Michael Harte, Partner at United Ventures and Industry Research Fellow at MIT. The conversation spans everything from regulation in the age of fintech, to what it takes to stand out in an invisible banking landscape,  to financial literacy for children.Brought to you by frog, a global creative consultancy. frog is part of Capgemini Invent. (https://www.frog.co) Visit us to learn more about Next-Generation Financial Services at frog. (https://www.frog.co/sector/financial-service-design) Download the new frog Chief Challenges 5: Banking on Invisibility report. (https://go.frog.co/banking_on_invisibility) Listener note: we also filmed this conversation. Watch the full video and explore our interactive report here. (https://www.frog.co/insights/chief-challenges/banking-on-invisibility#banking-on-invisibility) Thanks to Steven Strange for this special episode's film/audio production (http://www.stevenstrange.com) and Richard Canham of Lizard Media for editing this podcast (http://www.lizardmedia.co.uk)

Behavioural finance provides a realistic and comprehensive framework for understanding financial markets and decision-making. Incorporating insights from psychology, it enhances our understanding of investor behaviour, market dynamics, and risk management, leading to more effective investment strategies and improved financial outcomes. In this episode, Professor Meir Statman, a renowned expert in finance and behavioural finance, takes us on a captivating journey through the intriguing world of maximizing well-being through finance. Professor Statman is a distinguished financial expert and a leading authority in the field of behavioural finance. His groundbreaking research has shaped the understanding of investor behaviour and its impact on financial decision-making. Through his academic contributions and practical insights, Professor Statman has become a trusted guide in navigating the complex intersection of finance and human behaviour. In our conversation, he unravels the secrets of maximizing well-being through finance and the intricacies of the field. We explore the captivating world of behavioural finance and its connection to efficient markets, the distinction between normal and rational investors, the allure of lottery-like assets, and the downsides of consuming dividends. We unpack the aversion to realizing losses and the debate between dollar-cost averaging and lump-sum investing. We delve into the rising popularity of alternative investment strategies, the influence of status on rational investor behaviour, the role of financial advisors, and much more. Tune in for this enlightening conversation that will not only reshape your understanding of finance but human behaviour too.   Key Points From This Episode:   Defining what behavioural finance is and how it relates to efficient markets. (0:04:37) How traditional financial economists responded to Professor Statman's early behavioural work and the current state of behavioural finance research. (0:06:12) The various generations of behavioural finance and how they differ. (0:08:51) Differences between a normal investor and a rational one. (0:13:10) What investors really want and why normal investors like lottery-like assets. (0:15:48) Reasons normal investors have a preference for cash dividends. (0:20:17) Downsides of consuming dividends and not capital. (0:22:09) Unpacking why normal investors are averse to realizing losses. (0:25:40) Dollar-cost averaging versus lump sum investing. (0:27:57) The popularity of alternative investment strategies to normal investors. (0:31:13) Insights about the difference between an error and what a person wants. (0:34:49) The influence of status on rational investor behaviour and whether financial advisors should cater for elevating status. (0:36:37) Currency hedging, regret, the value of financial literacy, and the distinction between behavioural portfolio theory and traditional mean-variance portfolio theory. (0:40:50) Applying the market's portfolio theory to behavioural portfolio theory. (0:49:36) Exploring theories through a CAPM lens and behavioural theory's interpretation of return premiums from factors like size and value. (0:50:51) The role of financial advisors in correcting behavioural errors of clients. (1:00:16) Professor Statman's definition of success. (1:09:25)   Participate in our Community Discussion about this Episode: https://community.rationalreminder.ca/t/episode-258-prof-meir-statman-financial-decisions-for-normal-people-discussion-thread/23934   Book From Today's Episode: Behavioral Finance: The Second Generation — https://amzn.to/3qR7AmM   Links From Today's Episode: Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582.  Rational Reminder Website — https://rationalreminder.ca/  Shop Merch — https://shop.rationalreminder.ca/ Join the Community — https://community.rationalreminder.ca/ Follow us on Twitter — https://twitter.com/RationalRemind Follow us on Instagram — @rationalreminder Benjamin on Twitter — https://twitter.com/benjaminwfelix Cameron on Twitter — https://twitter.com/CameronPassmore Prof. Meir Statman on Twitter — https://twitter.com/meirstatman Prof. Meir Statman — https://www.scu.edu/business/finance/faculty/statman/ 'Behavioral Efficient Markets' — http://doi.org/10.3905/jpm.2018.44.3.076 'What Is Behavioral Finance?' — https://www.cfainstitute.org/-/media/documents/book/rf-publication/2019/behavioral-finance-the-second-generation.pdf 'Behavioral Finance: The Second Generation' — https://www.cfainstitute.org/-/media/documents/book/rf-publication/2019/behavioral-finance-the-second-generation.pdf What Investors Really Want — http://doi.org/10.2469/faj.v66.n2.5 Explaining investor preference for cash dividends — http://doi.org/10.1016/0304-405x(84)90025-4 The Disposition to Sell Winners Too Early and Ride Losers Too Long: Theory and Evidence — https://doi.org/10.1111/j.1540-6261.1985.tb05002.x A Behavioral Framework for Dollar-Cost Averaging — http://doi.org/10.3905/jpm.1995.409537 Behavioral Aspects of the Design and Marketing of Financial Products — http://doi.org/10.2307/3665864 Options and structured products in behavioral portfolios — http://doi.org/10.1016/j.jedc.2012.07.004 Lottery Players/Stock Traders — http://doi.org/10.2469/faj.v58.n1.2506 Hedging Currencies with Hindsight and Regret — http://doi.org/10.3905/joi.2005.517170 Behavioral Portfolio Theory — http://doi.org/10.2307/2676187 Portfolio Optimization with Mental Accounts — https://www.cambridge.org/core/services/aop-cambridge-core/content/view/4B23CFB326982C52014A1BA447FA9244/S0022109010000141a.pdf/portfolio-optimization-with-mental-accounts.pdf Making Sense of Beta, Size, and Book-to-Market — http://doi.org/10.3905/jpm.1995.409506 Affect in a Behavioral Asset-Pricing Model — http://doi.org/10.2469/faj.v64.n2.8 From Financial Advisers to Well-Being Advisers; Well-Being Advisers — http://doi.org/10.3905/jwm.2023.1.202

What should we expect from the future of futures trading? That is what I discussed this week with Tim McCourt the Global Head of Financial Products at CME Group when we met for a very interesting conversation about new products that are coming out really soon. We will also show you how to use the […]

On this episode of DTC POD, Tui joins Blaine & Ramon to talk about transforming traditional financing options for brands in the CPG space. Her focus at Ampla is creating purpose-built financial products that prioritize trust, partnership, simplicity, and speed/innovation. Tui discusses the importance of aligning around a company's mission and vision and the need to be intentional about channels required to scale and achieve success.We cover:Customer empathy and market understandingOmnichannel solutions for brandsBuilding and scaling physical productsLong-term planning and KPI trackingChallenges in CPG industryTools and ecosystem for CPG businesses[00:03:46] Ampla: Omnichannel solution with funding and tools.[00:10:49] Ampla: Analytics and insights for better decisions.[00:13:52] Shopify lacks depth, Amplin offers comprehensive capital.[00:18:31] Vision, intention, and planning key to success.[00:21:12] Ampla simplifies B2B commerce, removes business overheads.[00:25:22] Ampla's suite of financial products for CPG and brands.[00:28:54] Ampla: Trust, partnership, simplicity, and agility.[00:33:54] Alignment, strategy, measurement, and involving customers crucial.[00:38:59] Balancing innovation and focus.[00:41:40] Ampla: AI, competitive interest rates, modernizing supply chain.Shownotes powered by CastmagicP.S. Get our pod highlights delivered directly to your inbox with the DTC Pod Newsletter!Episode brought to you by Finaloop, the real-time accounting service trusted by hundreds of DTC Brands. Try Finaloop free - no credit card required. Visit finaloop.com/dtcpod and get 14 days free and a 2-month P&L within 24 hours.Past guests & brands on DTC Pod include Gilt, PopSugar, Glossier, MadeIN, Prose, Bala, P.volve, Ritual, Bite, Oura, Levels, General Mills, Mid Day Squares, Prose, Arrae, Olipop, Ghia, Rosaluna, Form, Uncle Studios & many more.Additional episodes you might like:• #175 Ariel Vaisbort - How OLIPOP Runs Influencer, Community, & Affiliate Growth• #184 Jake Karls, Midday Squares - Turning Your Brand Into The Influencer With Content• #205 Kasey Stewart: Suckerz- - Powering Your Launch With 300 Million Organic Views• #219 JT Barnett: The TikTok Masterclass For Brands• #223 Lauren Kleinman: The PR & Affiliate Marketing Playbook• ​​​​#243 Kian Golzari - Source & Develop Products Like The World's Best Brands-----Have any questions about the show or topics you'd like us to explore further?Shoot us a DM; we'd love to hear from you.Want the weekly TL;DR of tips delivered to your mailbox?Check out our newsletter hereFollow us for content, clips, giveaways, & updates!DTCPod InstagramDTCPod TwitterDTCPod TikTokTui Allen - Head of Product at AmplaRamon Berrios - CEO of Trend.ioBlaine Bolus - Co-Founder of Seated

We all have different levels of risk tolerance. But how is that risk measured for complex investment strategies like covered calls? And how can you be sure it's an accurate reflection of reality? For the first portion of today's episode, we provide a detailed breakdown of everything you need to know about covered calls and why there is no perfect model for assessing risk-adjusted returns. We examine how incorrect measures of risk can make covered calls seem more attractive, what investors need to know about covered calls, and the fees, costs, and taxes you should be considering with these types of strategies. Next, we are joined by lifelong friends and colleagues Jonathan Hollow and Robin Powell to discuss their new book How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments. They describe how their shared passion for financial education motivated them to write their book, before explaining how readers can best use the accompanying workbook to identify and reach their financial goals. Robin and Jonathan then go on to share their advice on day-to-day money management, finding a trustworthy advisor, and why it's never too early to teach your child about money. Tune in for a detailed breakdown of covered calls and how to make informed decisions about your investments and finances!   Key Points From This Episode: An introduction to the concept of covered calls. (0:02:41) The definition of covered calls, how risk can be measured incorrectly to make covered call strategies look more attractive, and why risk can never be destroyed. (0:04:22) A breakdown of the assets involved in covered calls and why their yields can be misleading. (0:07:00) Why there is no perfect model for assessing risk-adjusted returns and what can be learned from looking at investors through a behavioural lens. (0:16:19) An overview of why fees, costs, and taxes are major considerations for these types of strategies. (0:20:15) Introducing Robin Powell, Jonathan Hollow and their new book How to Fund the Life You Want. (0:25:08) Jonathan and Robin's long friendship, their shared interest in financial education, why they saw a need for their book, and how readers can get the most out of their workbook. (0:30:45) Insight into the six rules that Robin and Jonathan outline in their book and the eight keywords that they set up for managing money day to day. (0:35:07) Advice on how to keep up with finance news, including what you should pay attention to and what you can ignore. (0:40:37)  The importance of a day-to-day savings habit and suggestions on what kids should be taught about money. (0:43:20) Advice on how to find a first-rate advisor based on your needs and what questions you need to be asking of them. (0:49:54) How your financial advisor should act as your financial bodyguard and complement your weaknesses. (0:56:02) Ben and Cameron share news about their next podcast appearances, Rational Reminder education courses for financial advisors, and upcoming meetups. (0:57:43) Learn about the webinars that Ben and Cameron have been hosting and how you can sign up. (01:03:00)     Links From Today's Episode:   Robin Powell on LinkedIn — https://www.linkedin.com/in/robinpowell/ Jonathan Hollow on LinkedIn — https://www.linkedin.com/in/jonathanhollow/ How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments — https://www.amazon.co.uk/dp/1399404601/ Covered Calls — https://www.investopedia.com/terms/c/coveredcall.asp Episode 27: Robin Powell: Evidence Based Investing: Changing the Minds of Advisors and Investors — https://rationalreminder.ca/podcast/27 Patrick Boyle on YouTube — https://www.youtube.com/c/PatrickBoyleOnFinance Sharpe Ratio — https://www.investopedia.com/terms/s/sharperatio.asp Sortino Ratio — https://www.investopedia.com/terms/s/sortinoratio.asp S&P 500 — https://www.spglobal.com/spdji/en/indices/equity/sp-500/#overview Episode 167: Prof. Hersh Shefrin: Fear, Hope, and the Psychology of Investing — https://rationalreminder.ca/podcast/167 ‘Behavioral Aspects of the Design and Marketing of Financial Products' — https://www.jstor.org/stable/3665864 Episode 171: Prof. Campbell R. Harvey: The Past and Future of Finance — https://rationalreminder.ca/podcast/171 ‘Portfolio Performance Manipulation and Manipulation-Proof Performance Measures' — https://papers.ssrn.com/sol3/papers.cfm?abstract_id=302815 Adviser 2.0 — https://www.advicereinvented.com/ Sensible Investing — https://sensibleinvesting.tv/ Financial Times — https://www.ft.com/ Rob Carrick — https://www.theglobeandmail.com/authors/rob-carrick/ The Globe and Mail — https://www.theglobeandmail.com/ The Money and Meaning Show — https://podcasts.apple.com/us/podcast/the-money-and-meaning-show/id1449894787 The Most Hated F Word — https://themosthatedfword.com/ New Self-Regulatory Organization of Canada — https://www.newselfregulatoryorganizationofcanada.ca/ FP Canada — https://www.fpcanada.ca/ Rational Reminder Continuing Education — learn.rationalreminder.ca PWL Capital — https://www.pwlcapital.com/ PWL Capital on YouTube — https://www.youtube.com/c/Pwlcapital-Montreal/videos IAFP Symposium — https://iafpsymposium.ca Burt Malkiel — https://jrc.princeton.edu/people/burton-g-malkiel David Blanchett — https://www.davidmblanchett.com/ Meir Statman — https://www.scu.edu/business/finance/faculty/statman/ Nick Maggiulli — https://www.linkedin.com/in/nicholasmaggiulli/ Jill Schlesinger — https://www.jillonmoney.com/ Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.ca Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on Twitter — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://www.pwlcapital.com/profile/cameron-passmore/ Cameron on Twitter — https://twitter.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/

Marty sits down with Michael Tanguma and Jesse Meyers to talk about OnRamp. Check out OnRamp: http://onrampbitcoin.com/ Michael on Twitter: https://twitter.com/MTanguma Jesse on Twitter: https://twitter.com/croesus_btc 0:00 - Intro5:26 - Marty's chair is stolen7:11 - OnRamp's use case and problems to solve14:28 - Legal structure of OnRamp19:30 - Difficulty in educating on self custody31:10 - Decentralized control41:55 - How will OnRamp's launch impact the market?51:59 - The adoption curve55:01 - Qualified custodians vs collaborative custody1:00:36 - A new industry model1:10:16 - OnRamp's educational mission1:20:20 - OnRamp's content platform and new podcast1:26:27 - Plugs Shoutout to our sponsors: ⁠⁠⁠⁠⁠⁠Unchained ⁠⁠⁠⁠⁠⁠River⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠CrowdHealth⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Bitcoin Talent Co⁠⁠⁠⁠⁠⁠ TFTC Merch is Available: ⁠⁠⁠⁠⁠⁠Shop Now⁠⁠⁠⁠⁠⁠ Join the TFTC Movement: Main ⁠⁠⁠⁠⁠⁠YT Channel⁠⁠⁠⁠⁠⁠ Clips ⁠⁠⁠⁠⁠⁠YT Channel⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ Follow Marty Bent: ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Podcast⁠

Dan Zwirn, CEO and CIO of Arena Investors, stops by The Business Brew to discuss his investing strategy.  Arena Investors, LP is a registered investment advisor that originates investments (generally below $50 million) with borrowers and other counterparties who need access to financing and are otherwise not able to access conventional sources.  They have complete mandate flexibility across industry, product, and geography.    In Dan's words, "The real beauty of our approach, to me, is that there's no ceiling on the creativity we can use to shape alignment for our clients, our partners and ourselves. If someone needs capital and there's any way to do it that makes sense for all parties, we will find that way." Bill enjoyed this conversation very much and hopes you will as well.    Arena's Website: https://www.arenaco.com Dan's Investor Letter: https://www.arenaco.com/wp-content/uploads/2023/03/Arena_Investors_Letter_YE_2022.pdf    Dan's Official Bio: https://www.arenaco.com/team/daniel-zwirn/ This episode is sponsored by Stratosphere.io.  Stratosphere.io is a web based terminal that has financial data, KPIs, links to filings, hedge fund letters, etc.  A key differentiator is Stratosphere.io's segment data and KPIs, which are triple checked for accuracy.  Stratosphere saves users time, enables easy comparisons between companies, and offers company specific metrics such as subscriber counts, numbers of locations, etc.Head over to Stratosphere.io for a free trial.  Should you want to sign up for a paid offering please use the promo code BREW for 15% off. Detailed Show Notes   What Arena does - 3:30  How big money invests at times - 6:30  Process oriented vs. security selection - 9:30  Financial Products vs. Investment Products - 13:10  Why Arena has invested in servicing - 19:30  The incentives to not see what is going on - 22:10  Where are we in a credit/business/fiscal cycle - 25:00  How Arena thinks about opportunity - 32:30  How Arena thinks about LTVs - 39:05  "We are at a casino and there has never been more gamblers" - 44:00  Are defaults bad? - 48:00  Does diversification solve all problems? 52:30  A CLO discussion - 56:50  What is going on with the job market - 1:03:30

We begin with a discussion of the goals and themes of FTA's recent summit and AFC's advocacy regarding retention of the strategic plan option under the Community Reinvestment Act. We then discuss consumer benefits of buy-now-pay-later (BNPL) and regulatory concerns raised by the CFPB in its BNPL report, state level regulatory issues facing fintechs, the Treasury's report on bank/fintech relationships and takeaways for fintechs, consumer benefits of earned wage access products and artificial intelligence and regulatory concerns raised by the CFPB, and reactions to the CFPB's Section 1033 rulemaking. Alan Kaplinsky, Senior Counsel in Ballard Spahr's Consumer Financial Services Group, leads the discussion.

David Sandstrom has a really interesting way of thinking about brand. In terms of driving awareness and growth, he's clear about what he thinks brand can do—and what it can't do. In his talk with Jesse, David discusses how finding friction and identifying an enemy can help teams differentiate and deliver value in a space with lots of companies, but with very few true brands; why it's important to find creative ways to message your product so you don't bore your audience and add to the noise; why it's important, but sometimes really hard for marketing leaders to be customer driven, rather than CEO or boss driven; and the importance of discovering and acting on truth in marketing.Guest BioDavid Sandstrom currently serves as Chief Marketing Officer at Klarna and is a member of the executive management team. Sandstrom joined Klarna in 2017 where he led the fintech company to an extensive brand transformation, from one of many financial institutions to a rethinking lifestyle brand. During his time at Klarna, he has overseen several pioneering marketing campaigns that have attracted great attention internationally, working with high profile celebrities such as Lady Gaga and Snoop Dogg. Sandstrom was behind Klarna's 2021 Super Bowl Advertisement starring Maya Rudolph that was an immediate hit with the public and garnered over 13 million views on YouTube. Prior to joining Klarna, Sandstrom was the CEO of one of Sweden's foremost advertising agencies. Helpful Linksklarna.comDavid believes: ‘Virtual shopping' can take over retailDavid on The CMO PodcastDavid on LinkedIn and Twitter 

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The CDC definition of a parasite is: an organism that lives on or in a host and gets its food from or at the expense of its host. They're not necessarily out there to completely destroy you- at least not immediately. Instead they want you to go on living your life, so that they can leach as much as they can while they get fat and happy, hopefully without you even noticing. And that's exactly how we feel about crappy financial products except they're not feasting on your blood, they're feasting on your dollars. Their ability to thrive comes at your expense and it's abundantly clear that these crappy financial products don't have your best interest in mind. So today we're going to run through a number of the worst culprits out there, why they're the worst, and then what you can do in order to make sure that you avoid getting fleeced.   During this episode we enjoyed a Wrigley Fields Forever by Good Word Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out! See omnystudio.com/listener for privacy information.