Podcasts about first horizon

The guys discuss the latest addition to the ETSU men's golf dynasty and their prospects for the Reno Regional before diving into the transfer portal for football and hoops and the future size outlook for SoCon frontcourts. Bucs baseball closes in on a regular season crown for the first time in 43 years. Keith advocates for real home court advantage in tennis. Presented by First Horizon. Recorded May 5th, 2025.

The first batch of new arrivals has come through the transfer portal! The guys size up what the new players can do for men's and women's basketball. Baseball chases down the single-season home run record. Plus, ETSU has a new running backs coach who knows a thing or two about how to run the Bucs' new offense. Presented by First Horizon. Recorded April 22, 2025.

US bourses finished mixed with futures thereafter pressured after NVIDIA flagged 5.5bln of charges.White House said over 15 trade deal proposals are being considered and some could be announced soon.DXY gave back some of Tuesday's strength, EUR/USD back above 1.13 and Cable above 1.3250 into UK CPI.USTs paused for breath after gains sparked by Treasury officials, Bunds rebounded and JGBs retested 141.00Crude benchmarks lackluster, XAU hit another record high while base peers followed the risk tone lowerLooking ahead, highlights include UK CPI, US Retail Sales, NZ CPI, BoC Policy Announcement, Speakers including Fed's Powell, Cook, Hammack, Logan & Schmid, BoC's Macklem & Rogers, Supply from Germany & US.Earnings from Heineken, US Bancorp, Abbott, Progressive, Travelers, Prologis, Autliv, Citizens, First Horizon, Alcoa, Barratt Redrow, Moncler, Brunello Cucinelli & Lindt.Click for the Newsquawk Week Ahead.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

China is said to be open to talks if US President Trump shows respect, via Bloomberg sources; China wants Trump to rein in cabinet members and show consistency; wants US talks to address concerns on Taiwan and sanctions.White House said over 15 trade deal proposals are being considered and some could be announced soon.European indices downbeat, but some upside seen on source reports that China is open to talks, albeit with conditions; ASML -5% after poor Q1 results amid trade uncertainty.US equity futures lower and NQ underperforms with NVDA down 5.9% after it expects a USD 5.5bln hit due to export controls.USD is softer vs. G10 peers. Support from a conciliatory trade report proved to be fleeting.Fixed is underpinned by the risk-off tone, though off best given the latest China sources.Crude reverses losses on China sources, base metals hit on US' critical mineral investigation; gold tops USD 3,300/oz.Looking ahead, US Retail Sales, NZ CPI, BoC Policy Announcement, Speakers including Fed's Powell, Cook, Hammack, Logan & Schmid, BoC's Macklem & Rogers, Supply from the US.Earnings from US Bancorp, Abbott, Progressive, Travelers, Prologis, Autoliv, Citizens, First Horizon, Alcoa.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

The guys share their observations on the 2025 Ballad Health Spring Game, a night full of shenanigans and good football. Plus the latest from Portal Watch as outbound SoCon talents start to find new homes. Jay names his Transfer Portal All-Names Team, and Keith reads Jay's unintelligible texts. Presented by First Horizon. Recorded April 14, 2025.

In this episode, Julia Myers, pharmacist and founder of Generational Wisdom, shares her Family Constitution Blueprint, a tool to help families define values, build traditions, and create a lasting legacy. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich is joined by Julia Myers, a pharmacist and the founder of Generational Wisdom,  a business born out of her own powerful story of transformation. Julia shares her Family Constitution Blueprint, a thoughtful and deeply practical tool that helps families clarify their core values, establish meaningful traditions, and create a vision that lasts for generations. Julia shares:  Why identifying your family's values is a powerful first step toward legacy-building How to translate your intentions into everyday actions, especially in the midst of busy professional and family life And how pharmacists and healthcare professionals can use these principles to create more alignment, connection, and purpose at home Whether you're raising kids, managing a household, or just want to live with greater intention, this conversation will leave you inspired and equipped to take that next step. About Today's Guest Dr. Julia Myers is an international speaker, founder of Generational Wisdom, and a leading authority on teaching families how to talk to kids about money. Julia received her PharmD from University of Wyoming and her MBA from University of Tennessee. She spent nearly two decades as a board-certified pharmacist and distinguished health care executive before a career-ending diagnosis changed the trajectory of her life. Today, she blends wisdom and common sense to help parents navigate the pressures of raising kids without entitlement. As a mom of five, she brings both insight and authenticity to every stage she steps on. Mentioned on the Show YFP 311: Raising Money Savvy Kids Episode 311 - Kids & Money Julia Myers  Julia Myers: Family Constitution Blueprint  Julia Myers on LinkedIn Julia Myers on Instagram First Horizon YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

The guys got the chance to meet (or re-meet) a number of ETSU football players this week and share their reactions. Do we take Tri-Cities chicken wings for granted? Also, what's the nicest car you've ever seen in an ETSU parking lot? Plus the latest on the transfer portal for men's hoops. Presented by First Horizon. Recorded April 10, 2025.

YES HELLO HI WE ARE STILL HERE. Jay & Keith are back after a long hiatus digging themselves out of a mountain of work behind the scenes, but they're ready to talk spring football, ETSU's blistering-hot baseball team, and open Portal Watch 2025 for men's and women's basketball. Presented by First Horizon. Recorded March 31st, 2025.

Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO is joined by Tony Umholtz, a mortgage loan officer with First Horizon Bank as they break down one of the biggest financial commitments you'll ever make—buying a home. Taking out a mortgage is a massive financial decision, one that can impact your life for decades. From getting pre-approved to signing those final papers at closing, there's a lot to consider—and a lot of mistakes to avoid. Tim and Tony walk listeners through the mortgage process step by step. They cover what you need to know before getting pre-approved, how the bank sets your max loan amount, and how to avoid common pitfalls throughout the process. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP Mortgage Calculator YFP Episode 212: Common Credit Blunders to Avoid When Buying a Home YFP Episode 380: Understanding and Improving Your Credit YFP Article: 5 Easy Steps to Get a Home Loan…Even If You Don't Have 20% Down First Horizon YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tony Umholtz on LinkedIn

Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing. Brought to you by First Horizon. Summary In this episode, Tim Baker, CFP®, RICP®, RLP®, and Tim Ulbrich, PharmD, explore the essentials of rebalancing your investment portfolio. Tim and Tim discuss asset allocation, risk tolerance, and key accounts to rebalance. They also highlight common mistakes and effective rebalancing strategies for long-term investment success. Mentioned on the Show First Horizon YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group  

IntroductionLIVE from your DEI Blame Game, it's a Business Pants Friday Show here at January 31st Studios, featuring AnalystHole Matt Moscardi. On today's weekly wrap up: a DeepSeekWeek, The Zuck Suckup Tour, Target is not the new Costco, and fecal phones Our show today is being sponsored by Free Float Analytics, the only platform measuring board power, connections, and performance for FREE.Story of the Week (DR):DeepSeek shocks AI world with 'cheap' Chinese chatbot MMMarc Andreessen warns Chinese ChatGPT rival DeepSeek is ‘AI's Sputnik moment'DeepSeek limits registrations due to cyber attackAlibaba says it has an AI model even better than DeepSeekMeta Chief Zuckerberg Joins the Business RoundtableMark Zuckerberg is reportedly hunting for a home in Washington, D.C., to be even closer to the commander-in-chief and his inner circleU.S. Bancorp's Next CEO to Be First Woman of Color to Lead a Major U.S. LenderGunjan Kedia, who was named the bank's president in May, will take the job in April, succeeding Andy Cecere, who will become executive chairman.American Airlines CEO Robert Isom Offers Apology Over Fatal Mid-Air Collision Near Washington, D.C. AirportTrump criticizes FAA diversity efforts after deadly plane crash, even as he says he doesn't know the cause yetGoodliest of the Week (MM/DR):DR: Whole Foods workers in Philadelphia vote to form Amazon-owned grocery store's first unionDR: Starbucks and Workers United Union Agree to Contract MediationMM: Negative ESG news creating buying opportunity, say private banks MM DRMM: Record number of CEOs leave roles amid activist pressure, research shows202 bosses of some of the world's largest listed companies left last year — up 9 per cent from 2023Assholiest of the Week (MM):COWARDSTarget rolls back DEI initiatives, the latest big company to retreatTarget announced Jan. 24 that it would conclude the DEI goals previously set to increase Black employees' representation and advancement, improve Black shoppers' experiences and promote Black-owned businesses.Scrubbed all mention of diversity from websiteThis is the reason why you get targeted:Black executives and professionals at Target doubled from 2019 to 2023 to max out 10% and 9% respectively29% of board influence are people of colorProps to Dmitri Stockton for joining the double coward club - on the board of Deere and TargetBoycotts go both ways, not just shooting cans of Bud Light: Target hit with national boycott call over decision to drop DEI initiativesBut important note - the conservative Trumpers turned this into a legal battle, not ideological - so if you're angry, you're not angry with just target, you're angry with the Supreme CourtSYCOPHANTS AND SUCKUPSMark Zuckerberg Defends Embrace of Trump Administration in Meta Employee Q&AZuckerberg has shown us who he really is. Believe himMeta Agrees to Pay Trump $25 Million to Settle His LawsuitAmazon ramps up ad spending on Elon Musk's X, WSJ reportsElon Musk Teams Up With Boeing to Rush Production of New Air Force OneExxon foe Engine No. 1 to build fossil fuel plants with ChevronGoogle caves to Donald Trump's executive order and will change ‘Gulf of Mexico' to ‘Gulf of America' on its mapsDUE DILIGENCEAppointmentdate 1date 2daysNorfolk Southern names Lori J. Ryerkerk to board of directors1/27/20255/9/2025102Bank of America Names Maria Martinez to Board of Directors1/29/20254/24/202585CSX Corporation (CSX) Appoints Ann Begeman to Board of Directors1/29/20255/8/202599Former Ally CEO joins First Horizon's board of directors1/29/20254/23/202584Carlisle Companies Elects Sheryl D. Palmer to its Board of Directors1/29/20255/1/202592Mitek Systems Announces Mark Rossi as Nominee to Its Board of Directors1/28/20253/4/202535Xcel Energy Elects Devin Stockfish to Board of Directors1/29/20255/22/2025113Average of 3 months from appointment to electionIn the midst of a manflake broligarchy, in a world where there is no accountability in the alternative democracy unless there's an activist, THIS is what we spend our time on?NYC Comptroller targets United Airlines on heat dangersHeadliniest of the WeekDR: Bill Gates says he thinks it's 'insane' that Elon Musk is allowed to 'destabilize' politics in other countriesMM: Team Says They've Recreated DeepSeek's OpenAI Killer for Literally $30Who Won the Week?DR: companies that provide energy to support AIMM: AI coders with $30PredictionsDR: an AI company accidentally erases itself after fearing it may destroy the worldMM: The next avian flu is on your phone: Your phone is a breeding ground for fecal bacteria. This is how to keep it clean and prevent getting sick

On the latest Jay & Keith, the guys break down the loss to Chattanooga and where ETSU can get back on the horse offensively. Football makes a big splash: do the Bucs suddenly have a top 5 QB room in FCS? (Probably!) Keith damages his comic book and pitching credentials while Jay reveals he has neither. Presented by First Horizon. Recorded January 27th, 2025.

The guys recap men's basketball's gutsy road win at Mercer, then sit down with Executive Senior Associate AD for Administration and Compliance (a.k.a. "The Compliance Guy") Eric Baumgartner. Presented by First Horizon. Recorded January 9th, 2025.

ETSU men's hoops got right in a big way Wednesday night with a blowout win against Elon. ETSU football has a new head coach who Will Heal(y) the shock of the sudden change at the top. Plus, is the eligibility clock... on the clock? The guys get heated over Diego Pavia's waiver and its potential impact on recruiting. Presented by First Horizon. Recorded December 19th, 2024.

Jay & Keith Episode 154 The guys are back to preview Wofford after their bye week that wasn't so much a week off as a week of jumping in on other teams and other sports and also recovering from motion sickness. Presented by First Horizon. Recorded October 25th, 2024.

Jay & Keith #155 - We Promise We Still Exist Jay & Keith are back! After making it through a crossover to remember, the guys empty their brains of every loose ETSU and FCS thought that has been cooped up there for the last four weeks and pivot to basketball right as both the men's and women's teams are heating up. Presented by First Horizon. Recorded December 2nd, 2024.

Jay & Keith #156 - ... And Thanks For All The Fish ETSU football is back in the market for a head coach after one year with Tre Lamb, but the guys aren't worried. Keith gets the Transfer Portal All-Name Team started, and Jay investigates Bluesky. Presented by First Horizon. Recorded December 9th, 2024.

In part two of their cryptocurrency series, YFP Co-Founders Tim Baker and Tim Ulbrich discuss spot Bitcoin ETFs, the IRS's stance on cryptocurrency, and strategies for incorporating digital assets into long-term portfolios. This episode is brought to you by First Horizon. Summary This week in part two of  the series on cryptocurrency and digital assets, YFP Co-Founders Tim Baker, CFP and Tim Ulbrich, PharmD explore the recent introduction of spot Bitcoin ETFs and how they differ from investing directly in Bitcoin. Tim and Tim also discuss the IRS's perspective on cryptocurrency and key considerations for including digital assets in your portfolio as part of a long-term investment strategy. Mentioned on the Show YFP Podcast #386: Cryptocurrency & Digital Assets: Definitions, Origins, and Risks First Horizon Pharmacist Home Loan  YFP Book a Discovery Call YFP Disclaimer Ask a financial question to YFP Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group  

Tim Ulbrich revisits his 2019 conversation with David Burkus, author of Friend of a Friend, to explore how we can rethink networking and build relationships that unlock new opportunities. This episode is brought to you by First Horizon. Summary In this week's episode, YFP Co-Founder Tim Ulbrich revisits a 2019 conversation with David Burkus, best-selling author of Friend of a Friend, to explore how we can rethink networking and build relationships that unlock new opportunities. David, an expert in organizational behavior and network science, challenges traditional networking advice and highlights the surprising value of "weak ties"—connections we interact with less often but that can open unexpected doors.  He also explains the power of "dormant ties," structural holes, super connectors, and the importance of authentic engagement. Tune in for an insightful discussion on leveraging your network to drive success, both professionally and personally. About Today's Guest David Burkus is a best-selling author, a sought after keynote speaker, and Associate Professor of Leadership and Innovation. In 2017, he was named as one of the world's top business thought leaders by Thinkers50. His book, Friend of a Friend, offers readers a new perspective on how to grow their networks and build key connections—one based on the science of human behavior, not rote networking advice. He is also the author of Under New Managementand The Myths of Creativity. David is a regular contributor to Harvard Business Review and his work has been featured in Fast Company, the Financial Times, Inc magazine, Bloomberg BusinessWeek, and CBS This Morning. David's innovative views on leadership have earned him invitations to speak to leaders from a variety of organizations. He's delivered keynote speeches and workshops for Fortune 500 companies such as Microsoft, Google, and Stryker and governmental and military leaders at the U.S. Naval Academy and Naval Postgraduate School. His TED talk has been viewed over 2 million times. Mentioned on the Show First Horizon YFP Planning David Burkus Friend of a Friend: Understanding the Hidden Networks that can Transform Your Life and Your Career by David Burkus David Bukus' TED Talk Nicholas Christakis James Fowler Duncan Watts How to Win Friends & Influence People by David Carnegie Adam Rifkin Derek Coburn Levitate Contactually Ronald Burt Adam Grant YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group  

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You can listen to 3HL and 104.5 The Zone no matter where you are in the world. Just subscribe to our channel by clicking on the links below  104.5 The Zone App  Apple Store - https://itunes.apple.com/us/app/104-5-the-zone/id383299700?mt=8  Google Play - https://play.google.com/store/apps/details?id=com.airkast.WGFXFM   3HL on Apple Podcast  https://podcasts.apple.com/us/podcast/3hl/id1103395659   3HL on Spotify  https://open.spotify.com/show/3O2pLdz4xu1GGc1ueCG9UD?si=475f849bc5274c78  3HL on Stitcher  https://listen.stitcher.com/yvap/?af_dp=stitcher://show/424124&af_web_dp=https://www.stitcher.com/show/424124&deep_link_value=stitcher://show/424124  3HL on Podchaser  https://www.podchaser.com/podcasts/3hl-503331 See omnystudio.com/listener for privacy information.

Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. This episode is brought to you by First Horizon. Summary Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. With over 20 years of experience in the mortgage industry, Tony covers essential topics like when it's better to buy versus rent, the various lending options available, hidden costs beyond the down payment, how student loans impact your mortgage application, and more. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP Home Buying Resource Page  YFP Episode 380 - Understanding & Improving Your Credit Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP on Instagram YFP Facebook Group YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer    

The guys get back in the studio to discuss ETSU's win over Samford and the path ahead for the SoCon in the FCS playoff picture. Basketball preseason polls are out, and Keith has much stronger feelings than Jay. Plus the guys update the Olympic sports as men's and women's soccer hit the home stretch, and volleyball action heats up. Presented by First Horizon. Recorded October 17th, 2024.

Carl Quintanilla, Sara Eisen and David Faber discussed the latest on the earnings front as a number of consumer names (United Airlines, Adidas, LVMH) and banking stocks (Morgan Stanley, First Horizon & more) report fresh results. Also in focus: Musk's big bet on a Trump 2nd term, a “condo crisis” in South Florida, and why Stifel is warning of a possible pullback ahead. Squawk on the Street Disclaimer

Dr. Brooke Griffin, founder of Bold Idea Group, shares her career journey in pharmacy academia to launching her own coaching business.  This episode is brought to you by First Horizon. Summary In this inspiring episode, Tim Ulbrich introduces Dr. Brooke Griffin, a coach, mentor, and founder of Bold Idea Group. Dr. Griffin shares her career journey in academia to eventually launching her own business, and opens up about the challenges and triumphs of her path, including the bold steps she took and valuable lessons she has learned along the way.  This conversation is packed with practical wisdom for anyone seeking career fulfillment and personal growth. Whether you're just starting your career or looking to make meaningful changes, Dr. Griffin's journey and insights are sure to inspire you to take bold steps toward your own growth. About Today's Guest Brooke Griffin, PharmD, BCACP is a Professor of Pharmacy Practice and Vice Chair of Clinical Services at Midwestern University College of Pharmacy, Downers Grove. With over 20 years of experience in various ambulatory care clinics, she has worked on several multidisciplinary teams and precepted hundreds of students and residents. She is a Professional Coach in Life & Work and is passionate about offering career support through a thought-provoking and creative process. She is a coach and mentor through several pharmacy organizations and speaks nationally on various professional development topics, including the importance of coaching and mentoring, time management, and work/life integration. In 2022 she launched Bold Idea Group with a mission to inspire bold ideas from within. Her motivational podcast, Today's Bold Idea, offers a five minute inspirational boost to start your day. She is on this self-development journey alongside all of you and believes “every pharmacist deserves a coach.” Mentioned on the Show First Horizon Pharmacist Home Loan “Aliquot Investing: Small Investments in Big Real Estate Deals” Webinar on October 7th at 9pm/Eastern  Griffin B, Vest K, Pohl S, Mazan J, Winkler S. Part-time and job-share careers among pharmacy practice faculty members. Am J Pharm Educ. 2014 Apr 17;78(3):49. Destruct Yourself Podcast with Whitney Johnson Bold Idea Facebook Group Brooke Griffin LinkedIn Bold Idea Group  Today's Bold Idea Podcast  The Pharmacist's Voice®  Looking for other episodes on pharmacist businesses or side hustles? Episode 352: Pharmacy Innovators with Kelley Carlstrom, PharmD, BCOP Episode 307: Pharmacy Innovators with Dr. Izabella Wentz (The Thyroid Pharmacist) Episode 327: Pharmacy Innovators with Dr. Natalie Park (Pharmesol) Episode 289: Building Pricklee with Pharmacy Entrepreneur Kun Yang Episode 287: Monetizing Your Clinical Expertise with Dr. Timothy Gauthier YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

The guys recap the win over The Citadel and look ahead to Chattanooga as football starts to ratchet up in the SoCon. Presented by First Horizon. Recorded October 3rd, 2024.

ETSU opens SoCon play this week in Charleston, but this isn't your dad's (The) Citadel team. Plus picks, SoCon matchups, and a potential seismic shift in the landscape of FCS looming out west. Presented by First Horizon. Recorded September 26th, 2024.

A big win for the Bucs at Elon, and the guys talk through Saturday night's game on a Monday where Keith comes in hot on the polls and Jay surveys the SoCon up close as conference play looms. Presented by First Horizon. Recorded September 23rd, 2024.

Jay & Keith preview the matchup with Elon and go Inside The Dome with Doc Sander on NIL, media rights, and honorary captains. Presented by First Horizon. Recorded September 19th, 2024.

Terry's Titans report, Mike Organ talks local sports, Clark Lea previews Georgia State matchup, and bets of the day

The guys discuss the Bucs 61-0 win over UVA-Wise on Saturday amid an otherwise dreary day for the SoCon and discuss their process for voting in the Redshirt Sports FCS Top 25. Presented by First Horizon.

Tim Ulbrich interviews Emmanuel Ayanjoke, PharmD, on his journey to opening an independent pharmacy in Avondale, tackling challenges with vision, risk-taking, and community care. This episode is brought to you by First Horizon. Summary In this inspiring episode, Tim Ulbrich interviews Emmanuel Ayanjoke, R.Ph, PharmD, MBA, a third-generation pharmacist with a passion for community care. Emmanuel shares his remarkable journey to opening an independent pharmacy in Avondale, Cincinnati. Driven by a desire to make a difference, he pursued a pain management and palliative care fellowship, gaining invaluable entrepreneurial experience along the way. Through the support of Project Oasis, a McKesson initiative aimed at addressing pharmacy deserts, Emmanuel was able to turn his vision into reality. Despite facing significant financial challenges, including high student loan debt, Emmanuel underscores the importance of calculated risk-taking and the power of strong relationships. Emmanuel offers insights into the future of independent pharmacy and how he has strategically aligned his personal and business financial plans to achieve his goals. This episode is a must-listen for anyone interested in the evolving landscape of independent pharmacy and the bold steps required to succeed. About Today's Guest Dr. Emmanuel (Manny) Ayanjoke, R.Ph, PharmD, MBA is the proud owner of Altev Community Pharmacy in Cincinnati, Ohio. A graduate of University of Toledo College of Pharmacy, Dr. Manny has spent over 5 years serving various communities as a dedicated pharmacist. Before opening Altev, he worked at Ziks Family Pharmacy, honing his skills, and understanding the vital role of pharmacists in community health. His work as a clinical pharmacist at Ziks had notable success and he was featured as a keynote panelist at the American Pharmacist Association (APhA) 2022 conference. Alongside his clinical role at ZIKS Family Pharmacy, Dr Manny completed a fellowship in pain management and palliative care fellow at Cedarville University where he engaged in teaching, research, patient care, as well as creation of innovative ways to advance pharmacy practice. Mentioned on the Show Emmanuel Ayanjoke LinkedIn Altev Community Pharmacy Project Oasis NCPA Survey  The Dip by Seth Godin Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

On the latest Jay & Keith presented by First Horizon, the guys share their thoughts on the season opener at App State and the week that was for the SoCon, plus Keith talks to ETSU volleyball setter Reese Rhodes about her process of transferring to ETSU and her plans for her master's in sport management. Recorded September 5th, 2024.

Keith Sanford's community involvement and love of Chattanooga makes everyone feel as though they've worked with him in some form or fashion, despite only working at three places during his 44-year career.   In this episode, Keith shares what it was like working his way up to Market President at First Tennessee (now First Horizon), being expected to be involved in the community (and ending up loving it), and what penguins are really like… hint: they're not all cuddly!   Plus, we talk about what Keith will be doing once he retires later this year.   Keith Sanford is the President and CEO of the Tennessee Aquarium. You can connect with him on LinkedIn (linkedin.com/in/keith-sanford-9718981a) and you can learn more about the aquarium on their website (tnaqua.org). If you liked this episode, we think you'll also like: Tom Griscom's Morning Cup (E23) Jay Dale's Morning Cup (E42) Virginia Anne Sharber's Morning Cup (E59) — My Morning Cup is hosted by Mike Costa of Costa Media Advisors and produced by SpeakEasy Productions.    Subscribe to the weekly newsletter here and be the first to know who upcoming guests are!

The guys breakdown ETSU football's first game with App State, preview the SoCon slate, special guest David Jackson gives us a preview of the Mountaineers and our #picksix week 1 Presented by First Horizon. Recorded August 29th, 2024.

The guys preview ETSU football's first game with App State and share a special in-season activity they're partaking in. Presented by First Horizon. Recorded August 26th, 2024.

The guys talk about ETSU football's personnel as the roster takes shape, Keith talks to men's soccer forward Gabriel Ramos ahead of the season opener, and Jay fesses up to Grand Theft Pizza (which he DID pay for later!) Presented by First Horizon. Studio segments recorded August 22nd, 2024. Gabriel Ramos interview recorded August 19th, 2024.

Keith talks with ETSU Co-DC and Linebackers Coach Kevin Wolthausen (2:58), Cornerbacks coach Cam Haney (21:23), and ETSU women's soccer goalkeeper Ashton Blair (49:59) as the Bucs get ready to open their season - and the 2024-25 athletics year - on Thursday. Presented by First Horizon.

Tim Baker, CFP and YFP Director of Planning answers questions from the YFP community on saving and preparing for retirement. This episode is brought to you by First Horizon. Summary Planning and preparing for retirement can feel overwhelming. In this episode, Tim Baker, CFP®, RICP®, RLP®, makes the steps to planning for retirement more manageable. He answers three questions from the YFP community on retirement planning, including: How to determine the optimal amount to save for retirement Strategies for dealing with market downturns during retirement How different investment options impact retirement savings This episode is brought to you by First Horizon. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show First Horizon's Pharmacist Home Loan Die with Zero by Bill Perkins YFP Retirement Planning Series (Episodes 272-275): YFP Episode 272: How Much is Enough? (Retirement Planning) YFP Episode 273: Alphabet Soup of Retirement Accounts (Retirement Planning) YFP Episode 274: Risk Tolerance vs Capacity (Retirement Planning) YFP Episode 275: How to Build a Retirement Paycheck (Retirement Planning) YFP Episode 305: Understanding Annuities: A Primer for Pharmacists YFP Free Guide: Retirement Roadblocks: Identifying and Managing 10 Common Risks The Power of Working Longer (2018, Stanford Institute for Economic Policy Research)  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn

Jay Sandos and Keith Brake talk about the preseason poll for the 2024 SoCon football season and discuss ETSU's preseason All-SoCon picks. Keith talks to ETSU Wide Receivers Coach Kishawn McClain. Presented by First Horizon. Recorded July 25th, 2024.

Tim Baker helps parents navigate saving for their child's college education, from projecting costs and balancing goals to 529 plans.   This episode is brought to you by First Horizon. Summary Most parents desire to contribute toward their child's college tuition; however, knowing how much to save and plan for can be a bit of a moving target. How much is enough to save for college? Tim Baker, YFP Co-Founder and Director of Financial Planning, lays out the financial roadmap to help parents navigate the complexities of college savings. Tim emphasizes the importance of prioritizing college savings, projecting future costs, and balancing these savings with other financial goals. He also breaks down the benefits of starting early and making consistent contributions to make the goal more attainable. Learn more about education savings options, including 529 plans and Coverdale education savings accounts. Tim also shares the ⅓ rule for funding college education that listeners may find make the reality of saving for their child's future education more attainable.  This episode is brought to you by First Horizon. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show First Horizon Pharmacist Home Loan YFP 211: The Ins and Outs of the 529 College Savings Plans YFP 195: How to Save for Your Child's Education YFP Blog: 7 Things to Consider Before Starting a 529 Plan YFP Gives - www.yfpgives.org YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn  

On the latest Jay & Keith presented by First Horizon, the guys continue their introductions to the new ETSU football staff with offensive line coach Joe Scelfo and outside linebackers coach Paul Potter. Recorded July 16th, 2024.

Sounds 1B Tyler Black joins live from First Horizon Park, Greg Pogue with a special announcement, and Danny Evans takes your baseball questions

Oil prices have remained relatively steady during the last couple of years despite robust global demand and ongoing geopolitical risks from multiple foreign wars. The ability of domestic producers to increase production has played a large part in keeping prices in check, a notable contrast to only 20 years ago when the US was significantly more dependent on buying energy commodities from abroad. In this episode, we talk with Bryan Chapman, Market President for Energy Finance with First Horizon, about the multi-decade transformation of the US oil industry, the most important forces driving the industry today, and how oil companies are planning for the future.

Dr. John Muchka, Founder of Pharm to Tables, talks about how he started the non-profit and its mission of helping end the hunger crisis in local communities. This episode is brought to you by First Horizon.  Summary In this episode, Tim talks with Dr. John Muchka, Founder of Pharm To Tables, a charitable organization uniting pharmacy professionals in a singular, focused mission of helping end the hunger crisis of our local communities Dr. Muchka talks about how his service learning project during pharmacy school inspired the idea for Pharm To Tables, the why behind his passion to end hunger in local communities, how he was able to get his vision off the ground, and the lessons he has learned along the way. About Today's Guest Dr. John Muchka received his Bachelor's degree in biochemistry from the University of Wisconsin- Madison followed by his Doctor of Pharmacy from South University School of Pharmacy in 2010. Dr. Muchka is a seasoned clinical pharmacist with over 13 years of extensive experience in the healthcare field. Throughout his career, he has demonstrated a steadfast commitment to advancing pharmacy practice and improving patient care. As a Pharmacy Residency Program Director, Dr. Muchka plays a pivotal role in shaping the next generation of pharmacy professionals. His dedication to mentorship and education has empowered countless pharmacists to excel in their careers and make meaningful contributions to the field. In addition to his role as a clinical pharmacist and Residency Program Director, Dr. Muchka is also the Co-founder and president of Pharm to Tables Charitable Organization Inc. Under his visionary leadership, Pharm to Tables has emerged as a driving force in promoting overall community health by helping to end food insecurity. Dr. John Muchka is a respected voice within the pharmacy community on a local and national level. He currently serves on the Pharmacy Society of Wisconsin Board of Directors. Dr. Muchka also represents Wisconsin in the American Society of Health-System Pharmacists House of Delegates. Through his active involvement in these organizations, Dr. Muchka advocates for policies and initiatives that elevate the profession of pharmacy and enhance the quality of patient care on a local, national and global scale. Outside of work, John loves spending time outdoors with his wife Lindsey and two sons, Luke and Noah. Mentioned on the Show Pharm to Tables Dr. John Muchka on LinkedIn Pharm to Tables on Facebook First Horizon Pharmacist Home Loan YFP Gives Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer YFP on Instagram YFP Facebook Group  

Brad Martin has significant experience in leadership, corporate strategy, public company governance, and entrepreneurial ventures. He served nearly 20 years as Chairman and CEO of Saks Incorporated.  During his tenure, the enterprise grew from a $70 million annual revenue 10-store chain into one of the largest department store businesses in the United States. He has previously served on the Boards of Caesars Entertainment, Dillard's, Chesapeake Energy, First Horizon, Gaylord Entertainment, Lululemon Athletica, and Ruby Tuesday. Brad served five terms as a member of the Tennessee House of Representatives and was Interim President of the University of Memphis from 2013 – 2014 and he also chairs the Board of the Martin Family Foundation. Brad is with me on the show this week to share his personal journeys in leadership, service, and business growth. He emphasizes the importance of mentorship, humility, and continuous learning, as well as how taking calculated risks and visualizing success has helped him move forward professionally and personally. We also dig into the value of service and the need for perseverance, resilience, and mindfulness in the face of challenges.  “The question is, are you willing to risk embarrassment?” - Brad Martin “The best leaders I have ever met are continuously trying to learn and to get better.” - Brad Martin   “Business can play a huge role in service, growth, and the betterment of a community” -  Brad Martin This Week on The Wow Factor: Why Brad ran for Tennessee House of Representatives at 20 years old, despite being up against a seasoned politician How tenacity and belief in your vision can lead to success How Brad uses visualization techniques to help him stay focused and motivated Why sometimes you need to take risks and face potential embarrassment for personal growth How to develop a clear vision and action plan for achieving your goals Brad discusses storytelling in leadership and decision-making and why it moves you forward How Brad unexpectedly found purpose in business when he realized business could make a positive impact The impact of seeking mentors on your success and the importance of being humble and teachable Reflections on Brad's 20-year career at companies like Saks, Lululemon, and FedEx Understanding and being aware of the potential consequences of our actions, whether positive or negative, and why it's important to be more forgiving of people who make mistakes Brad Martin's Words of Wisdom: As a leader, it is absolutely critical to be a continuous learner and model that for your team. It doesn't matter how old you are, what job you have, or what you've accomplished—there's always more you can learn. Connect with Brad Martin:  R. Brad Martin's Website  Connect with The WOW Factor: The WOW Factor Website Connect with Brad Formsma via email Brad Formsma on LinkedIn Brad Formsma on Instagram Brad Formsma on Facebook Brad Formsma on Twitter

Tony Umholtz, Senior Vice President of Mortgage Banking at First Horizon, returns to discuss four questions prospective home buyers should consider. This episode is brought to you by First Horizon. Summary Tony Umholtz, Senior Vice President of Mortgage Banking at First Horizon returns to discuss four questions that prospective home buyers must answer including buy now versus wait, rules of thumb lenders are using to determine lending limits, the potential impact of the recent settlement from the National Association of Realtors, and the current state of how student loan payments are being factored into the lending calculations.  About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show First Horizon Pharmacist Home Loan YFP Podcast 348:2024 Housing Market Trends, Buy Now vs. Wait, & Assumable Rate Mortgages YFP Podcast 353: Avoiding the Trap of House Poor: Evaluating Cost of Home Ownership Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn YFP Disclaimer Subscribe to the YFP Newsletter YFP Planning: Fee-Only Financial Planning for Pharmacists  

Tim Ulbrich, PharmD (YFP Co-Founder & CEO) digs into how to successfully navigate finances with your partner and shares 25 questions you can use to frame conversations around money.   This episode is brought to you by First Horizon. Summary On this episode, we're talking about love and money! Discussing finances with your spouse, partner or significant other can be tricky sometimes. Tim Ulbrich shares 25 financial discussion questions to help you navigate these important conversations along with a free resource you can download to help get you started. From reflecting on your “money classroom” and the way you were raised to understand money to how you feel about debt, savings, and other important goals, Tim guides you through these important conversations. There is no one-size-fits all to managing finances in a relationship - but sharing the same vision and goals with your partner can set you up for success. This episode is brought to you by First Horizon. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Money Couple Money Personality Assessment 25 Financial Discussions for Partners I Will Teach You to Be Rich by Ramit Sethi Learn more about YFP Planning First Horizon Pharmacist Home Loan YFP+ Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Disclaimer

Rick Sweet joins, Vandy beats Florida 10-5, Tennessee/Kentucky tonight, Preds/Canucks series set, Stat of the Day, Mark McGee talks Preds, and Bet of the Day.

Tony Umholtz of First Horizon shares insights on the real estate landscape for 2024. Sponsored by First Horizon. Summary In this week's podcast sponsored by First Horizon, we're joined by Tony Umholtz, a Mortgage Loan Officer from First Horizon, to delve into the housing market updates and trends for 2024. He shares insights on current rates, supply/demand dynamics, and the impact of projected Fed Rate cuts in 2024 on the market. The episode explores the pros and cons of buying a home now versus waiting and delves into assumable rate mortgages—what they are, how they function, eligible loan types, and their growing popularity. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show Subscribe to the YFP Newsletter Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram First Horizon Pharmacist Home Loan  YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer Tim Ulbrich on LinkedIn