Podcasts about Funding

In this episode of The Psychedelic Podcast, Paul F. Austin welcomes TOMS founder Blake Mycoskie for an honest conversation about depression, psychedelics, recovery, and the lifelong need to prove his worth. Find full show notes and links here: https://thethirdwave.co/podcast/episode-366/?ref=278 Blake explains how an early ayahuasca experience gave him the sense that he had already done enough, even though he had not yet learned to feel that he was enough. He shares what followed after selling TOMS, including a profound depression, a psychiatric diagnosis he later came to question, four medications, and a carefully supported nine-month taper. Paul and Blake also discuss the daily meditation practice that helped reshape his relationship with self-worth, the return of his entrepreneurial energy, his $100 million commitment to psychedelic research and access, and why the future of psychedelic care will require scalable integration, group support, and careful use of emerging AI tools. Blake Mycoskie is the founder of TOMS and creator of the One for One movement, which provided more than 100 million pairs of shoes to children in need. After selling TOMS and navigating a profound depression, he founded WE ARE ENOUGH, a movement supporting mental health organizations and challenging the belief that worth depends on achievement. Blake is also the host of the No Magic Pill podcast and has pledged $100 million to psychedelic research and access. Today, he brings his renewed entrepreneurial energy to ventures including Morning Water and Moovlab. Highlights: Building TOMS through the One for One model Ayahuasca and the feeling of having done enough Depression, misdiagnosis, and psychiatric medication tapering Reworking the belief of never being enough Entrepreneurship and purpose after recovery Funding psychedelic research and access Scaling integration through group support AI therapy and psychedelic integration Episode Links: Blake's Website: https://blakemycoskie.com/ We Are Enough: https://weareenough.co/ No Magic Pill: https://nomagicpill.com/ Morning Water: https://morningwater.co/ Episode Sponsors: The Psychedelic Practitioner Certification by Third Wave's Psychedelic Coaching Institute Golden Rule - Get a lifetime discount of 10% with code THIRDWAVE at checkout Third Wave occasionally partners with or shares information about other people, companies, and/or providers. While we work hard to only share information about ethical and responsible third parties, we can't and don't control the behavior of, products and services offered by, or the statements made by people, companies, or providers other than Third Wave. Accordingly, we encourage you to research for yourself, and consult a medical, legal, or financial professional before making decisions in those areas. Third Wave isn't responsible for the statements, conduct, services, or products of third parties. If we share a coupon code, we may receive a commission from sales arising from customers who use our coupon code. No one is required to use our coupon codes. Disclaimer: This content is for educational, informational, and entertainment purposes only. We do not promote or encourage the illegal use of any controlled substances. Nothing said here is medical or legal advice. Always consult a qualified medical or mental health professional before making decisions related to your health. The views expressed herein belong to the speaker alone, and do not reflect the views of any other person, company, or organization.

Join Lindsay for a Dear FoundHer... Forum Virtual Open House and Networking Event on Thursday, August 20th. Click here to save your seat, it's free. She spent over a decade scaling two of Europe's most successful tech companies, reaching the C-suite along the way. Then she moved back to her hometown and nobody knew her name. That tension is the heart of this episode of Dear FoundHer, and it sets up one of the clearest examples of starting a business after corporate you will hear this year.Host Lindsay Pinchuk talks with Christine de Wendel, co-founder and U.S. CEO of Sunday, the digital checkout platform used in over 3,500 restaurants across the U.S., U.K., and France. Christine spent over a decade scaling two of Europe's biggest e-commerce companies before leaving corporate at 40 to build a company of her own. Her story shows what transitioning from employee to founder really looks like once the safety net disappears.Christine describes the three humbling months she spent building connections in Atlanta before the idea for Sunday took shape, and how a phone call from an old friend turned into a co-founding partnership. She also opens up about startup funding and whether having a male co-founder changed how easily she raised capital.Lindsay and Christine talk candidly about networking for women, credibility, and why making a career pivot later in life can be an advantage instead of a setback. If you have ever wondered whether starting a business after corporate means starting from zero, Christine's story offers a clear answer: the experience, relationships, and skills you have already built still count. Press play to hear how she used them to help raise $145 million for Sunday.Episode Breakdown:00:00 From Tech Executive to Unknown in Atlanta02:56 Christine's Path From Bain to Paris Tech05:47 Why She Waited Until 40 to Start08:25 Uprooting the Family and Moving to Atlanta11:43 The Phone Call That Became Sunday14:47 How the Sunday App Works16:33 A Review Turns Into Real Restaurant Change19:08 How Sunday Makes Money20:57 The 2021 Raise and What Came After22:45 Doubling Transaction Volume24:25 Why Restaurants Are Slow to Adopt26:15 Building Brand Ambassadors and Referral Networks29:47 Funding, Her Co-Founder, and Gender in Fundraising32:55 Motherhood, Pacing, and Doing It All36:46 Three Tips for Women Starting OutConnect with Christine de Wendel:Follow Sunday App on InstagramConnect with Christine on LinkedInSubscribe to The FoundHer Files Follow Dear FoundHer on Instagram Podcast production and show notes provided by HiveCast.fm Hosted on Acast. See acast.com/privacy for more information.

Niles Investment Management Founder Dan Niles joins with his expectations for big tech earnings this week. Then, Former Fed Economist Vincent Reinhart shares his outlook for rates ahead of the upcoming Fed meeting. Plus, we discuss the implications of AI's circular funding economy as OpenAI is in talks with Nvidia to help fund a data center project.   Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

CoinDesk's The Policy Protocol hosts Rebecca Rettig and Renato Mariotti open on the week's biggest policy news from SEC Commissioner Hester Peirce's statement on crypto vaults to the London Stock Exchange's launch of a 24/5 tokenized market. Then, Patrick Witt, Executive Director of the President's Council of Advisors for Digital Assets, joins to make the case that the CLARITY Act deserves a Senate floor vote before the August recess and argues that President Trump's agreement to subject himself to conduct restrictions is a "historic" and unprecedented ethics concession. Witt also breaks down the CFTC's expanded mission and the fight over funding and staffing. Plus, Rebecca and Renato debrief on the lessons of MiCA and the state of bipartisan compromise on the Hill, and name the state attorneys general, led by an op-ed from Montana's AG, as their Person of the Week. - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at⁠⁠⁠⁠⁠⁠ realfi.co⁠⁠⁠⁠⁠⁠. - JPEG Trading is a global proprietary trading firm specializing in cryptocurrency and decentralized finance markets. From market structure and liquidity provision to quantitative trading strategies, JPEG Trading operates across the full spectrum of blockchain-based assets. Follow @jpegtrading on X to stay ahead of the latest developments in digital asset markets:⁠⁠⁠⁠⁠⁠ https://x.com/jpegtrading⁠⁠⁠⁠⁠⁠ - Check out CoinDesk Research's report on the evolution of crypto centralized exchanges, with a case study on Binance at: https://www.coindesk.com/research/the-evolution-of-the-crypto-cex-landscape-a-case-study-on-binance - Timecodes: 00:00 Cold Open: 'No Other President Has Done That' 01:07 Welcome to The Policy Protocol 01:59 Hester Peirce on Crypto Vaults & Onchain Lending 04:22 The LSE's 24/5 Market, LSE24 05:59 NYSE, OKX, and TradFi's Tokenization Push 06:18 The CLARITY Act & Guest Patrick Witt 06:41 Will CLARITY Pass Before the August Recess? 09:01 Inside the Bill's Historic Ethics Provision 11:06 The Tillis Ethics Compromise 12:40 Funding the CFTC's Expanded Mission 14:03 Why CLARITY Isn't a Giveaway to Crypto 17:04 Debrief: MiCA's Lessons and Market Structure 20:37 Person of the Week: State Attorneys General

Today's Post - https://bahnsen.co/3TdOnKh David Bahnsen discusses whether the U.S. has shifted from the 1990–2020 disinflation era to a higher structural inflation range, engaging Dr. Lacy Hunt's view that the prior 1.5–2.5% equilibrium may have broken toward 3.5–5% as globalization wanes. Bahnsen argues globalization aided disinflation but wasn't the sole driver, emphasizing Hunt's framework that rising government debt lowers money velocity, crowds out productive investment, and suppresses long-term growth. He questions whether deglobalization is truly structural, citing industrial-policy efforts as often half-hearted and inconsistently enforced. Turning to AI, he notes build-out is capital- and energy-intensive and can be temporarily inflationary, but sees two longer-run outcomes that both lean disinflationary: a favorable productivity-driven supply shock, or a recessionary bust if AI disappoints. He concludes the dominant backdrop remains excess government debt and spending depressing growth. 00:00 Welcome and Setup 00:28 Inflation Beyond Headlines 02:23 The Disinflation Era 1990-2020 04:08 Lacy Hunt and Debt Dynamics 06:35 Was Globalization the Driver 09:15 Is Globalization Really Ending 12:23 AI as the New Productivity Wave 14:02 Funding the Buildout 15:11 Two AI Outcomes Deflation Either Way 19:19 Final Takeaways and Signoff Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Dan Nathan sits down with Rick Heitzmann, co-founder and partner at FirstMark Capital, to kick off a new Okay, Computer. series on AI investing. They dig into the circular financing behind the AI infrastructure boom — from Nvidia backstopping Apollo's private credit for xAI to Meta's off-balance-sheet data center deals with KKR and Blue Owl — plus the shift from "tokenmaxxing" to an efficiency era, the rise of Chinese open-source models, memory stock froth, and what's next for the IPO market after SpaceX. Show Notes Big Tech Is Hiding $1.65 Trillion in Debt. How Worried Should Investors Be? (Yahoo Finance) SpaceXAI Explores Major Data Center Expansion in Texas (The Information) —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media The financial opinions expressed in Risk Reversal content are for information purposes only. The opinions expressed by the hosts and participants are not an attempt to influence specific trading behavior, investments, or strategies. Past performance does not necessarily predict future outcomes. No specific results or profits are assured when relying on Risk Reversal. Before making any investment or trade, evaluate its suitability for your circumstances and consider consulting your own financial or investment advisor. The financial products discussed in Risk Reversal carry a high level of risk and may not be appropriate for many investors. If you have uncertainties, it's advisable to seek professional advice. Remember that trading involves a risk to your capital, so only invest money that you can afford to lose. Derivatives are not suitable for all investors and involve the risk of losing more than the amount originally deposited and any profit you might have made. This communication is not a recommendation or offer to buy, sell or retain any specific investment or service.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This episode is presented by Create A Video – The US House approved a massive military spending package with about half a dozen Democrats joining Republicans and a similar number of Republicans joining Democrats in opposition. Plus, tough talk continues between President Trump's administration and the Iranian regime as the Houthis start making threats again.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-kaliner-show--6946691/support.Subscribe to the podcast My preferred podcast platform: SpreakerAll the links to Pete's Prep are free!Get exclusive content here!Media Bias Check: GroundNews promo code!Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com  

Trump To Give Nuclear Weapon Capability To Saudi Arabia In MASSIVE Escalation! House Set To Vote On NDAA That Would Turn US Military Intelligence Over To Israel! Bill Gates Caught Funding The Epstein Investigation Into Himself

The man who attacked an ICE facility in Manhattan has been identified, RFK Jr. is pulling medicare funding from key blue states, and former President Biden's attempt to seal audio and transcripts recorded by his ghostwriter has been rejected. Get the facts first with Evening Wire. - - - Ep. 2903  - - - Today's Sponsor: Shopify - Stop waiting for permission to build something. Your next revenue stream starts free at https://shopify.com/morningwire  - - - Wake up with new Morning Wire merch: https://bit.ly/4lIubt3   - - - Privacy Policy: ⁠https://www.dailywire.com/privacy⁠ morning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Diplomatic assumptions meet hard realities as Iran escalates tensions and Secretary of State Marco Rubio redefines the terrorist threat. Plus, Planned Parenthood returns to federal funding, a mother's ministry forged through grief, Cal Thomas on believing what political movements plainly say, an ironic ending to Britain's climate conference, and the Tuesday morning news.Support The World and Everything in It today at wng.org/donateAdditional support comes from Cedarville University. Located in southwest Ohio, Cedarville University is committed to biblical faithfulness and academic excellence, preparing students to serve Christ with conviction in every profession. Every one of its 175+ undergraduate and graduate programs are grounded in a biblical worldview, equipping graduates with the knowledge, skill, and conviction to serve wherever God leads. New online undergraduate degrees through Cedarville Online offer flexible, affordable education rooted in biblical truth and designed for today's learners. Learn more at cedarville.edu, and explore online programs at cedarville.edu/online.From Equip by Unbound. Launching high schoolers through coaching, skills training, and interest-led projects. More at BeUnbound.us/worldAnd from Ambassadors Impact Network, Christian entrepreneurs scaling their companies often struggle to find capital sources that respect, and even celebrate, their redemptive mission. Ambassadors Impact Network connects these founders with angel investors seeking both financial outcomes and spiritual fruit. If you're an investor wanting to steward your capital toward gospel-advancing companies, learn about membership at ambassadorsimpact.com

It is supposed to be the law that foreigners, people who do not have citizenship or permanent residency, cannot fund federal election campaigns. But our colleague Parker Thayer notes that there is a giant loophole in this prohibition—one that the government needs to take seriously—namely, the charitable election sector (which maybe also shouldn't exist). He […]

 Tuberculosis is a difficult, infectious respiratory disease, and patients often have a low quality of life. Organizations like the ATS and the International Union Against Tuberculosis and Lung Disease (The Union) are looking to combat health inequities and support patient communities. However, due to recent funding cuts, future research on tuberculosis and other respiratory diseases are in jeopardy. Host Patti Tripathi and Executive Director of The Union Cassandra Kelly-Cirino, PhD, discuss the effect of these funding cuts and what it will take to continue supporting research and patients alike. 

Pamela Shifman joins The Great Battlefield podcast to talk about her career and her role as President of Democracy Alliance, a network of philanthropists, labor unions and organizations that support progressive organizations working to build power.

Most machine shop owners spend twenty years learning the lesson Stone figured out before he turned 21: get great at one thing, and say no to almost everything else. He bought his first CNC at 15 to make knife handles, started taking billable work at 19, and now runs a precision shop in North Phoenix that goes after the tight-tolerance medical work a lot of shops won't touch. This one is part of our GenCNC series, and our co-host Nush, who's part of this generation herself, jumps in with the questions the rest of us wish we'd asked at that age. We get into how he actually built it: growing on cash flow and machine loans instead of outside investors, learning to program after hours with a tool and die mentor, and figuring out how to price work when you're brand new and have no idea what the market will bear. Stone's edge isn't a secret process. It's consistency, a refusal to send anything out of spec, and a willingness to take on parts he doesn't yet know how to make. He's also refreshingly honest about the parts nobody posts. The crashes, the jobs that go sideways, the days the whole thing feels like it's crumbling. His answer is mentors, a tight network of shop owners who actually pick up the phone, and the discipline to keep the lows from getting too low. Whether you're thinking about starting a shop or you've run one for thirty years, there's something here. Know where to spend money and where not to. Build a small team of people you can pay well. And find the niche where being excellent actually pays. That's making chips. What's Covered in this Episode (0:52) Kicking off another GenCNC episode with co-host Nush (1:29) Meet Stone: from reselling balisong knives and 3D printing to buying a Tormach 440 at 15 (4:21) Quitting two jobs to go all in at 19 (and quickly building a team) (6:41) Solve your biggest headache with CLA (7:50) Funding growth through profit and machine loans, not investors (11:04) Moving out of the garage and into a commercial space (12:11) Learning to program after hours with mentor John Schaefer (13:34) The art and science of quoting and pricing work (16:25) Focus on what you're good at instead of chasing every job (18:16) Why consistency and never shipping out-of-spec parts wins customers (21:45) Why young entrepreneurs need to be on LinkedIn (23:17) The opportunity gap and getting young people into manufacturing (25:27) How Stone started building his team (and who does what) (27:15) Find people who actually fit with Hire MFG Leaders (27:44) The process of hiring employees (and the paperwork that comes with it) (30:01) How saying yes to jobs you don't know how to do can pay off (32:25) It's never too late for a mentor—at any stage of your career (36:45) Success is perseverance and the mental game, not just great parts (39:44) Advice for young shop owners: know where to spend money (42:15) Expanding to a bigger building and going after big work with a VF-9 (43:20) Take your shop to the next level with DN Solutions (44:33) The five-year vision: five employees, twelve machines, automation (53:00) Why 100% inspection and a CMM are worth it Resources Mentioned ST1 Precision ProShop ERP Xometry Tormach Haas Automation Saunders Machine Works CLA (CliftonLarsonAllen) Hire MFG Leaders DN Solutions Connect with Stone ST1 Precision Connect with MakingChips Website: www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

You found the deal. You ran the numbers. And then you lost it to another investor because your lender couldn't get you a proof of funds letter over the weekend. If that scenario makes your stomach drop, this episode is about to change how you fund every deal from here on out. Jen sits down with her husband and business partner Vance Josey, real estate broker, general contractor, and hard money lending expert with Alpha Funding, to pull back the curtain on how investors actually get deals financed. Vance breaks down the difference between prequalification and underwriting, why speed matters more than the lowest rate, and exactly what loan-to-value percentages look like for brand new investors versus those with six or more deals under their belt. He also reveals how to fund a deal with none of your own cash using unsecured lines of credit, what red flags make an underwriter nervous, and the exact habits that make you a borrower lenders want to keep working with. Whether you're brand new to fix and flip investing or you've been doing this for years and want faster, more reliable funding, this conversation gives you the insider playbook most investors never get. If you've ever been outbid because your financing was too slow, or you're wondering how to scale without draining your own bank account, you need to hear this one. 5 Powerful Takeaways How to get an instant proof of funds letter so you can compete and win in multiple-offer situations, without waiting on your lender The exact loan-to-value percentages for new versus experienced investors, and how completing just six deals unlocks significantly better terms How to fund a deal with none of your own cash using unsecured lines of credit through Alpha Funding's partner MB Alpha What underwriters actually look for behind the scenes, and how to avoid the kind of last-minute closing disaster that can cost you a deal The simple communication habits that make you a "good borrower" lenders want to keep funding, especially when a project runs long or over budget 00:00 Welcome to REIGN 01:03 Build Your Power Team 03:16 Meet Vance Josey 04:29 Alpha Funding Overview 06:05 Prequalification and Proof Funds 07:59 Lending for New Investors 08:58 Loan Products Explained 09:39 Fix and Flip Numbers 11:10 DSCR Refinance Basics 12:09 No Money Down Strategies 13:31 Underwriting Behind Scenes 15:06 Be a Great Borrower 17:24 Where They Lend and Next Steps 20:00 Badass Acronym Rapid Fire 25:53 Podcast Rebrand Announcement 27:59 Final Thanks and Sign Off About the Guest Vance Josey spent nearly 30 years climbing the ranks in corporate manufacturing before stepping into real estate full time. A graduate of Appalachian State University with a degree in accounting, Vance co-founded Jolific Homes with his wife Jen Josey in 2017, renovating homes throughout the Raleigh, North Carolina area. That hands-on experience led him to earn both his real estate broker's license and his general contractor's license, giving him a rare, ground-level understanding of a deal from acquisition through renovation to resale. Today, Vance brings that background to Alpha Funding, a boutique hard money lender based in New Jersey, where he helps investors across 43 states get fix and flip, new construction, DSCR, and bridge loans funded quickly. He and Jen are now also exploring manufactured home development as a path to more affordable housing. Resources & Websites Mentioned alphafunding.com vance@alphafunding.com Call to Action To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby

Top headlines for Monday, July 20, 2026Record numbers of UK children arrested for sexual offenses amid concerns over violent online content, devastating flash floods that swept away multiple churches in Arunachal Pradesh, India, and a Navy veteran who miraculously awoke after his family planned his funeral and organ donation.0:11 Arrests of children for sexual offences spikes to record levels1:15 Churches washed away as flash floods cripple border town in India2:04 Is reclaiming America's Mainline churches a lost cause?3:12 Planned Parenthood sues HHS over TPP abstinence-only requirements4:11 Navy vet awakens after family planned funeral, organ donation4:57 JD Vance rejects arguments against Texas' Ten Commandments law5:46 Pastor breaks records by preaching entire Bible for 96 hoursSubscribe to this PodcastApple PodcastsSpotifyGoogle PodcastsOvercastFollow Us on Social Media@ChristianPost on TwitterChristian Post on Facebook@ChristianPostIntl on InstagramSubscribe on YouTubeGet the Edifi AppDownload for iPhoneDownload for AndroidSubscribe to Our NewsletterSubscribe to the Freedom Post, delivered every Monday and ThursdayClick here to get the top headlines delivered to your inbox every morning!Links to the NewsArrests of children for sexual offences spikes to record levels | WorldChurches washed away as flash floods cripple border town in India | WorldIs reclaiming America's Mainline churches a lost cause? Planned Parenthood sues HHS over TPP abstinence-only requirements | U.S.Navy vet awakens after family planned funeral, organ donation | Living JD Vance rejects arguments against Texas' Ten Commandments law | PodcastPastor breaks records by preaching entire Bible for 96 hours

Taxpayers are kicking in tens of millions of dollars to save a cement company owned by Fletcher Building, with the government saying it's an exceptional case. Golden Bay Cement is getting a one off grant of up to $60 million. In return, the company will invest $150 million into modernising its plant, and will keep producing cement until at least 2040.

Parents of a couple hundred school children in the Manawatu town of Ashhurst are having to dip into their pockets for buses to Palmerston North from today, as the new term begins. Ratepayers are also stumping up for the services, which were previously funded by the Ministry of Education. The change comes after the ministry reviewed routes into the town and found many children weren't complying with its rules. Jimmy Ellingham reports

Joining John Maytham is Dewald van Rensburg, investigative journalist at amaBhungane, whose newsroom has spent the better part of a year pursuing greater transparency through the Promotion of Access to Information Act (PAIA) - They discuss Political funding. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Best Practices for Investor Introductions Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. Fundraising requires connections to investors. After a founder exhausts his own network, he must draw the circle wider to reach out to investors he does not know. Here are some best practices for investor introductions: Personalize the request for an introduction. If making it to an investor, show how this request is unique to them. If making it to someone who will make the introduction, provide that personalized message to them for their outreach. Find a way to deliver value. Investors look for new information about an area of interest for them. Provide market research or a contact who knows more about that space. Demonstrate the value of the introduction by showing how it's important to your work. Investors aren't interested in spending time on things that don't matter. Finally, return the favor. If they provide the introduction, then see how one can provide value in return. Consider these best practices for investor introductions. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _______________________________________________________ For more episodes from Investor Connect, please visit the site at: http://investorconnect.org Check out our other podcasts here: https://investorconnect.org/ For Investors check out: https://tencapital.group/investor-landing/ For Startups check out: https://tencapital.group/company-landing/ For eGuides check out: https://tencapital.group/education/ For upcoming Events, check out https://tencapital.group/events/ For Feedback please contact info@tencapital.group Please follow, share, and leave a review. Music courtesy of Bensound.

The money to support the fund isn't keeping up with demand, and massive cuts could result. Former Congressman Tim Penny joined Susie Jones to discuss his work on this issue with the non partisan, Committee For A Responsible Budget.

The True Geordie Podcast examines the aftermath of the Trump shooting and the wave of speculation, political debate, and public reaction that followed. This episode explores the claims surrounding foreign policy, Ukraine funding, and the wider conversations sparked by the attack. With detailed analysis and a thoughtful approach, the True Geordie Podcast separates the facts from the theories while exploring how major events can reshape political discussions and public opinion. Learn more about your ad choices. Visit megaphone.fm/adchoices

Homeland Security Secretary Markwayne Mullin says states who do not take certain steps to safeguard election security will lose federal counterterrorism grant money, and he promises to aggressively pursue voter fraud cases; He spoke the day after President Donald Trump gave a primetime address on election fraud, claiming U.S. election infrastructure has vulnerabilities, China has been amassing U.S. voter data and a quarter million illegal voters are on U.S. rolls; North Carolina U.S. Senate Republican nominee Michael Whatley accuses his Democratic opponent Roy Cooper of being soft on crime, in that very closely watched race that will likely help decide which party controls the Senate after this year's election; U.S. & Iranian military trade fire for a sixth night since the collapse of the ceasefire; House Financial Services Committee Chair French Hill (R-ARK) pushes the Senate to join the House and pass a cryptocurrency and digital asset bill known as the CLARITY Act; Canadian Prime Minister Mark Carney asked about U.S. lawmaker complaints about the wildfire smoke coming down from Canada and choking many U.S. cities; British Labour Party officially elects a new leader, Andy Burnham, who will on Monday become the new Prime Minister, replacing Keir Starmer, who is resigning. We will talk about the swap with C-SPAN's Westminster Correspondent Peter Knowles. (49) Learn more about your ad choices. Visit megaphone.fm/adchoices

Social Security's main trust fund could be depleted by early 2033, leaving incoming payroll taxes sufficient to cover only about 86% of scheduled benefits.Kent Smetters, Wharton Professor of Business Economics and Public Policy and Faculty Director of the Penn Wharton Budget Model, explains why the program is approaching a critical funding deadline and what it could mean for current and future retirees.He also discusses the impact of falling birth rates and longer lifespans, why delaying reform makes the eventual solution more difficult, and the policy options Congress could consider to strengthen Social Security. Hosted on Acast. See acast.com/privacy for more information.

Singer Melissa Etheridge talks about touring with Wynonna Judd and the inspiration behind her new album “Rise.”

July 15, 2026The American Rescue Plan, passed in March 2021 without a single Republican vote, expanded the Child Tax Credit for one year. This temporary expansion lifted 3.7 million children out of poverty before it expired, Five years later, the results of the One Big Beautiful Bill Act, which passed without a single Democratic vote, reveals a very different set of priorities, OBBA expanded tax breaks for the wealthy and corporations, cutting more than $1 trillion from social welfare programs, The difference between the two bills reveals how the parties see the purpose of government - for the good of the people or to concentrate wealth and power among a few, Consumers are being screwed by the push to do away with reviews designed to protect people from monopoly power, Trump has called together a select group of Republicans to try to get their funding package which includes billions for military funding, for bailing out farmers hurt by tariffs, and for enacting aspects of the SAVE America Act,  past Congress through budget reconciliation, The administration is also trying to fund immigration enforcement, which has led to two deaths at the hands of ICE agents, Funding the war in Iran, funding voter suppression, and funding the crackdown on immigrants are not popular with Americans, but Trump has pushed continued traffic stops, and continued strikes in Iran, nonetheless.Watch today's recording here: https://www.youtube.com/live/g9TUa1Rwd6U?si=T8_KKcHQZElhpnZ-Get full, free access to Letters from an American here: https://heathercoxrichardson.substack.com/subscribeYou can also find me:Bluesky: https://bsky.app/profile/hcrichardson.bsky.socialInstagram: https://www.instagram.com/heathercoxrichardson/?hl=enFacebook: https://www.facebook.com/heathercoxrichardson/YouTube: https://www.youtube.com/@heathercoxrichardson Get full access to Letters from an American at heathercoxrichardson.substack.com/subscribe

Would it be wise to use money in one of my brokerage accounts to buy a condo in a place that aligns better with my way of life?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Credit markets are stepping in to fund the surging demand for AI. Our experts Lindsay Tyler and Anish Shah explore the opportunities and risks behind this record financing wave.Read more insights from Morgan Stanley.----- Transcript -----Lindsay Tyler: Welcome to Thoughts on the Market. I'm Lindsay Tyler, TMT Credit Research Analyst at Morgan Stanley. Anish Shah: And I'm Anish Shah, Global Head of Debt Capital Markets at Morgan Stanley. Lindsay Tyler: Today, how issuers and investors are approaching the rapidly evolving world of AI financing. It's Thursday, July 16th at 10am in New York. As AI demand accelerates, credit markets are being asked to finance infrastructure on a scale that used to be associated with utilities, telecom, or energy. That raises a central question for issuers and investors: How much debt can the AI ecosystem absorb? And at what price? Anish, can you walk our listeners through the key products in your purview? Anish Shah: Certainly, in my nearly twenty years at Morgan Stanley, this is probably the most incredible time period I've ever seen in the credit markets. I've had the privilege of working across a number of different roles in capital markets and lending. And a couple of years ago, we integrated the debt underwriting business across both investment-grade and leverage finance franchises in recognition of how interconnected the whole credit ecosystem has become. In addition to our core activities helping clients raise capital for their strategic priorities, two of the big focus areas that we've had have been finding ways to harness the power of the private credit universe and also delivering best-in-class capabilities in funding this incredible growth in AI spend. Lindsay Tyler: AI financing has certainly been a theme we've also been focused on in research. Our equity research colleagues project that a handful of key players could add more than 30 gigawatts of capacity over a two-year timeframe, driving around [$]2 trillion of aggregate cash CapEx in that period. And to put that into context, a single gigawatt of data center capacity can require roughly $12 billion for the shell, and then often more than double that for chips and racks. So, from your vantage point, what inning are we in? And what gives you confidence that credit markets can continue funding this opportunity at scale? Anish Shah: I mean, Lindsay, the numbers certainly are staggering, as you note. And if you just observe the CapEx estimates for the hyperscalers and broadly for AI infrastructure, we're certainly in the early innings. Lindsay Tyler: Mm-hmm. Anish Shah: The largest tech companies have historically, as you know, raised very little debt. In fact, many of these companies have not even needed a credit facility. As CapEx projections were materially increased in the second half of last year, we saw the beginning of scaled capital raises. Hyperscaler issuance has quickly gone from less than one percent of the investment-grade market to more than 10 percent of the market. You know, as I look ahead, based on what we're seeing on the ground, we think that AI-related funding, whether it's for data center development or financing compute capacity, could top 15 percent of the total issuance across all credit products. This has been an unprecedented test for the capital markets, both in terms of the depth of capacity and the breadth of product. The teams have been on the forefront of deep investor dialogue and product innovation. This spans corporate investment grade, first of their kind financings in high-yield and leveraged loan markets, and new takes on asset-backed financing. And each of these areas has seen material issuance both in public and private markets. Lindsay Tyler: Great backdrop. Let's dig first into investment-grade corporate debt, an area you know well from your time previously leading the investment-grade team. Can you help frame the scale and the significance of this financing bucket and how AI-related debt is scaling within it? Anish Shah: Well, you know, as you know, the investment-grade bond market, specifically in dollars, is the deepest, most liquid pool of capital in the world. Volumes have grown materially over the last few years and are likely to eclipse $2 trillion in issuance this year. Hyperscalers are among the very best credits in the world, and they have the ability to come in and out of markets with relatively quick twitch, little to no pre-marketing, and in fairly large size. You know, $20 billion-plus deals used to be rare in the investment-grade market, now happen multiple times a quarter. This is why we've seen the predominance of AI-driven capital raising take place in the investment-grade market. For the most part, investors have digested that supply very well. While we've seen some modest widening credit spreads for hyperscalers and some of the other tech issuers, I'd say it's de minimis relative to their expected ROI. Lindsay, I've talked a lot about supply dynamics and issuance. What other factors are you and investors considering when assessing fair value for investment-grade rated technology bonds? Lindsay Tyler: Sure. It's prudent to really weigh a mix of technicals, fundamentals, and relative value. You know, as you discussed on the technical side, and related to my discussions with debt and equity investors, I've been focused on scale of buildouts, market capacity, digestibility across currencies, positioning along the curve, implications of equity issuance, and whether AI financing could crowd out other areas of TMT credit. But moving more to the fundamental side of things, you mentioned ROI, and for the players that are scaling compute capacity, there are a handful of key monetization and return questions that keep coming up. How quickly can these companies bring new capacity online? Once it's live, how does it translate into durable revenue and cash flow? Is that capacity supporting internal products, proprietary models, broader cloud offerings, or compute leased to third parties? And then how fungible is the capacity across those use cases if demand or returns shift? Further on the fundamental side, we've done some differentiated work around growing long-term commitments. We've seen that high-quality hyperscalers and a few of the semis companies are anchoring the AI ecosystem through leases, guarantees, other obligations. These commitments really extend beyond vanilla bond issuance. So, I encourage investors to look beyond the funded debt and really understand the accounting and the ratings implications here of some of those commitments. And this ties nicely into the next topic that I wanted to raise, which is project finance debt. I've noticed that, you know, a lot of the commitments that we're seeing from IG players support another layer of financing. Lease commitments can underpin project finance debt, an area of sizable issuance and innovation. The public high-yield market has emerged as a new funding source in this way for data center construction, with more than 30 billion priced across 15 deals, since fall 2025. Can you walk us through, Anish, the innovation behind these structures, and how are these high yield deals different than other ways to, kind of, raise project finance debt? Anish Shah: Yeah, it's incredibly interesting. I mean, the bulk of the issuance, as I noted has come in the investment grade market, but I would say the bulk of the innovation has come in the sub-investment grade market. You know, historically, for very capital-intensive sectors like energy and power or real estate, the project loan market was the most efficient source of initial funding. The developer would tap banks to underwrite a highly structured construction loan. Once the project is up and running, you could then refinance that loan with the predictable cash flows into a more institutional financing, like the investment grade bond market or the term loan B or securitization markets.That product may still be very viable in many sectors, but we felt early on that bank-provided construction loans would not meet the capacity needs of the AI investment cycle. The market really needed an institutional credit product that bypassed the need for construction loans. The key innovation came in the form of first-of-its-kind high-yield bonds that funded the development of a new data center complex. Given the relatively short construction period and the "offtake" supported by some of the highest quality credits in the world, we felt like this financing structure would be incredibly well-received in the high-yield market. The win here is that the developer accesses fixed rate long-term capital and maintains flexibility to call the bonds and refinance at a lower cost. Judging by how these financings have gone, there's a strong level of investor enthusiasm. I think that they've only scratched the surface, and I would expect that we see much more of this. And potentially even expand it to other products in the leverage finance markets given the tremendous level of investor demand. Lindsay Tyler: Yeah. It's certainly been exciting to follow many of those deals. Beyond the public space, we're also seeing a wave of innovation in private credit and asset-backed finance. Anish, how do companies decide whether capital is best raised in the public or the private markets? Anish Shah: Well, I'm glad you raised the whole avenue of private markets because it may be the most significant change in the credit markets over the last few years, broadening the scope of private credit from directly lending into leverage buyouts to now financing large investment-grade projects. There are great examples in the world of GPU and TPU financing, where we structure loans secured by the asset and the cash flows, or in data center development.Lindsay, from your perspective, what are investors focused on when these private structures intersect with public credits? Lindsay Tyler: Sure. Many of these asset-backed private financings have prompted investors to look more closely at any of the public companies involved, whether as issuers, tenants, customers, or support providers. This ties back to the point I raised earlier. Where does the risk reside, and who ultimately is on the hook? These financings have also sparked broader discussions around circularity, vendor financing, and technology obsolescence risk, even when amortizing structures are in place. I do think those are fair concerns to weigh, and they really speak to how quickly the AI financing trend is evolving and how much credit work there is to do. So, Anish, with that balance in mind, relatively strong demand, rapid innovation, but also some real credit questions, let's end with a quick lightning round. Anish Shah: Lindsay, let's do it. Lindsay Tyler: First, what is the biggest risk that could test investor appetite for AI-related debt? Anish Shah: I would say investors are acutely focused on construction delays. Don't underestimate the level of diligence being done by the breadth of capacity you're seeing in the markets. Investors are doing their homework, and we're spending a lot of time trying to mitigate any of their concerns with structural protections. Lindsay Tyler: Got it. Second, beyond data center shells and chips, what is the next potential AI financing opportunity? Anish Shah: It most certainly is energy and power. We're going to see a ton of capital being raised in utilities. It's going to be a little different than what the hyperscalers are doing, just given the nature of their balance sheets. You're going to see more junior capital. We've seen a wave of junior subordinated debt issuance out of the utilities. We're also seeing a lot of activity from our project finance and tax equity team, just given all things energy infrastructure. Lindsay Tyler: Great. And third, if we're sitting here a year from now, what do you think could be the biggest AI financing story we're talking about? Anish Shah: Well, we certainly underestimated the level of financing activity that we saw in the past year. I think when we look back a year from now, we will probably see that the AI labs were much more ready to finance on their own on a standalone basis. That's going to alleviate some of the pressures in the market, but I think it's going to create a whole new set of considerations and structural innovation. Lindsay Tyler: Well, it's certainly been remarkable to watch this financing theme take shape in real time, and the next chapter sounds like it could be even more interesting to follow. Anish, thanks for joining us and sharing your insights. Anish Shah: Great to join, Lindsay. Thanks. Lindsay Tyler: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*****Anish Shah is a member of Morgan Stanley's Global Capital Markets Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, his views are his own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.

Today from SDPB - a new poll shows Governor Larry Rhoden ahead in the upcoming runoff, a rural community receives a housing grant, and the state's airports receive additional funding.

For episode 259 of the Crypto Altruists podcast, we're excited to welcome Inès d'Haultfoeuille, Chief Operating Officer of Egregor, a non-profit dedicated to catalysing social and environmental transformations, playing roles that range from accelerator to venture philanthropist and strategic advisor. Their team is truly global, and their work reaches across climate, education, social justice, civic engagement, and more.If you work in the nonprofit or impact space, the last few years have been brutal. Funding is being cut. Donor priorities are shifting, sometimes overnight. Geopolitical instability is reshaping where resources flow and who gets left out. And through all of it, the needs on the ground aren't shrinking. They're growing.We've talked about this on the show before, with organizations working in Ukraine, in Afghanistan, in Tanzania, in Somaliland. The pattern keeps repeating. The people doing the most essential work are often the ones with the least support, the least stability, and the least room to breathe.Egregor was born out of a conviction that social and environmental innovators deserve better than isolation, precarious funding, and systems designed without them. And what I find compelling about their model is where they choose to focus. Rather than just writing cheques, they work to remove the structural, financial, and logistical barriers that stand between an innovator and their vision. Because so often, the bottleneck isn't the idea but everything surrounding it.In today's discussion you'll learn:

A Moda Center deal is in the works, and the Portland City Council will vote in just a few weeks to decide if it will spend public money on a renovation. But details are hazy about where exactly the funding would come from.   Mayor Keith Wilson and city councilors have suggested they’ll draw upon city revenue streams such as the Portland Clean Energy Fund and a fund within Prosper Portland, the city’s urban development agency. But the boards that govern those sets of funding would first have to determine if their revenue can be spent on the arena.   It’s just the latest in a long saga that has involved negotiations between the Trail Blazers and city officials to keep the team in Portland and meet demands for renovations.   Alex Zielinski covers Portland politics for OPB. She joins us to break down the latest  updates.  

In his senior year at UCLA, Alan L. Green secured an internship as an actuary with Equity Funding, a fast-growing financial conglomerate. Only a short time later, he was invited to play a small part in a fraud that would eventually be exposed as one of the biggest corporate scandals of the 20th century.SponsorsC&R Consulting - https://ohmyfraud.promo/cnr Get NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CEDownload the app:Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appQuestions? Need help? Email support@earmarkcpe.com.CONNECT WITH CALEBTwitter: https://twitter.com/cnewquistLinkedIn: https://www.linkedin.com/in/calebnewquist/Resources Billion Dollar Bubble (1978) [YouTube]I led 66,000 Lives [Rolling Stone]

Today... A solemn procession crossed Colorado’s Western Slope on Monday, honoring a Canadian helicopter pilot who died while fighting the Gold Mountain Fire. And later... Montrose’s "Development and Revitalization Team" has had its funding restored after a major budget typo.Support the show: https://www.montrosepress.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

With a terrible snowpack, a worsening drought, and blowing dust across the Wasatch Front, the Great Salt Lake is in danger. It's something that affects us all, and we have to do something now if we even want the lake to have a future. This morning, there was a major announcement of new funding to help support the Great Salt Lake. Ben Hart, executive director of the Utah Inland Port Authority, joins to share more insights on the investment.

Headlines for July 14, 2026; “They Were Hunting for Latinos”: LULAC CEO on ICE Killing of Lorenzo Salgado Araujo in Houston; “Our Community Is Hurting”: ICE Kills 25-Year-Old Johan Sebastián Durán Guerrero in Biddeford, Maine; “Vote Her Out”: After Maine ICE Shooting, Sen. Collins Under Fire for Deciding Vote on ICE Funding; “Completely Unprecedented”: Ari Berman on Trump’s Attack on Elections Ahead of Midterms

Headlines for July 14, 2026; “They Were Hunting for Latinos”: LULAC CEO on ICE Killing of Lorenzo Salgado Araujo in Houston; “Our Community Is Hurting”: ICE Kills 25-Year-Old Johan Sebastián Durán Guerrero in Biddeford, Maine; “Vote Her Out”: After Maine ICE Shooting, Sen. Collins Under Fire for Deciding Vote on ICE Funding; “Completely Unprecedented”: Ari Berman on Trump’s Attack on Elections Ahead of Midterms

Saving for retirement can feel more complicated than many people expected. Rising costs, family responsibilities and unexpected changes can all affect long-term savings plans. Learn a few smart ways to help protect your future savings and stay financially prepared for what's ahead.   To support more content like this, become an AARP member at aarp.org. And don't forget to subscribe for more tips and tricks to help make your life a little easier — and happier!

A sales tax that funds Missouri's parks and soil and water conservation is back on the ballot this August. It's sharing the spotlight with eight other amendments, leaving advocates wondering if they can cut through the noise.

The Social Security trust fund is set to run out of money by 2032. Multiple policy proposals that could address this shortfall — everything from raising taxes and the retirement age, to scrapping the cap on taxable earnings. But today, labor economist Kathryn Anne Edwards shares another solution: tax companies that use gig workers. But first, the new Federal Reserve chair heads to Congress as policymakers are split about the direction of interest rates.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in this epsiode:How the gig economy could strengthen Social Security

The Social Security trust fund is set to run out of money by 2032. Multiple policy proposals that could address this shortfall — everything from raising taxes and the retirement age, to scrapping the cap on taxable earnings. But today, labor economist Kathryn Anne Edwards shares another solution: tax companies that use gig workers. But first, the new Federal Reserve chair heads to Congress as policymakers are split about the direction of interest rates.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in this epsiode:How the gig economy could strengthen Social Security

Howard Robertson had every reason to go down the wrong path. His parents died. His siblings were in the streets. But instead of following them he chose corrections — and over a 22 year career from the late 1970s to the early 2000s he rose from correctional officer to captain to deputy warden to warden of Rikers Island — the largest and most violent jail in America. In this episode of Locked In with Ian Bick, Howard pulls back the curtain on everything — from his brutal upbringing to what made him choose corrections to what Rikers Island looked like from the inside during its most violent era to the notorious inmates he encountered to how programs reduced violence to how politicians destroyed what it could have been to the problems with closing it and what the future of Rikers Island really looks like. _____________________________________________ #rikersisland #jail #truecrimestories _____________________________________________ Thank you to FACTOR & GLD for sponsoring this episode: Factor: Head to http://factormeals.com/lockedin50off and use code lockedin50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). _____________________________________________ GLD: New customers get 40% Off with code LOCKEDIN at https://www.gld.com/ _____________________________________________ Connect with Howard Robertson: https://www.amazon.com/Student-Game-Become-Unstoppable-Smarts/dp/1977283896 _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Howard Robertson's Unlikely Journey 01:12 Overcoming Tragedy and Choices 02:29 Early Mindset: Learning from Role Models 03:53 Shooting for the Moon: Mentorship & Goals 05:02 Rising Above Average Through Hard Work 07:01 Is Drive Innate or Learned? 07:42 Family, Bad Paths, and Purpose 08:03 Helping Inmates and Preventing Recidivism 09:36 From Speaking to Writing: Reaching Youth 10:16 Authenticity in Storytelling: Why the Book Matters 11:01 Personal Stories: Bullying, Friendship, and Impact 13:02 How the Past Shapes Leadership Style 14:47 Navigating Street Ties Inside Rikers 18:00 Inmate Politics and Safe Resolutions 21:22 Respect, Boundaries & Saying No 23:40 Life Lessons and Staying Clean 24:43 Sponsor Segment: Factor Meals 27:40 Entering Corrections: Career Choice 29:34 Knowing the Community: Double-Edged Sword 30:14 Respect, Fairness, and Avoiding Violence 32:00 Overcrowding, Programs, and Jail Services 34:49 Correctional Culture: Then and Now 36:32 Political Changes & Rikers' Decline 41:13 Burough Jails, Funding, and Flawed Solutions 44:43 Sponsor Segment: GLD Chains 45:56 Corrections Leadership & Barriers to Progression 47:13 Mass Incarceration, Bad Policy, and Population Issues 51:01 Physical Conditions & Racial Makeup 54:35 Bail, Releases, and Systemic Injustice 56:39 Promotions, Process & Rules of the System 01:00:31 Programs: Entertainment and Violence Reduction 01:03:35 The Winner's Dorm: Transforming Inmates 01:04:41 Solitary Confinement: Problems & Alternatives 01:08:06 Expanding Special Housing and Culture Change 01:10:44 Medical, Mental Health, and Malingering 01:13:36 Mental Health, Career Impact and Life After 01:14:50 Defining Real Success for Youth 01:15:55 Numbers that Shock: Mass Incarceration 01:17:00 Notorious and Celebrity Inmates 01:18:36 Retirement, New Mission, and Legacy 01:18:56 Biggest Takeaways: Excuse-Free Success 01:19:56 Book Recommendation & Final Thoughts _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

Howard Robertson had every reason to go down the wrong path. His parents died. His siblings were in the streets. But instead of following them he chose corrections — and over a 22 year career from the late 1970s to the early 2000s he rose from correctional officer to captain to deputy warden to warden of Rikers Island — the largest and most violent jail in America. In this episode of Locked In with Ian Bick, Howard pulls back the curtain on everything — from his brutal upbringing to what made him choose corrections to what Rikers Island looked like from the inside during its most violent era to the notorious inmates he encountered to how programs reduced violence to how politicians destroyed what it could have been to the problems with closing it and what the future of Rikers Island really looks like. _____________________________________________ #rikersisland #jail #truecrimestories _____________________________________________ Thank you to FACTOR & GLD for sponsoring this episode: Factor: Head to http://factormeals.com/lockedin50off and use code lockedin50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). _____________________________________________ GLD: New customers get 40% Off with code LOCKEDIN at https://www.gld.com/ _____________________________________________ Connect with Howard Robertson: https://www.amazon.com/Student-Game-Become-Unstoppable-Smarts/dp/1977283896 _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Howard Robertson's Unlikely Journey 01:12 Overcoming Tragedy and Choices 02:29 Early Mindset: Learning from Role Models 03:53 Shooting for the Moon: Mentorship & Goals 05:02 Rising Above Average Through Hard Work 07:01 Is Drive Innate or Learned? 07:42 Family, Bad Paths, and Purpose 08:03 Helping Inmates and Preventing Recidivism 09:36 From Speaking to Writing: Reaching Youth 10:16 Authenticity in Storytelling: Why the Book Matters 11:01 Personal Stories: Bullying, Friendship, and Impact 13:02 How the Past Shapes Leadership Style 14:47 Navigating Street Ties Inside Rikers 18:00 Inmate Politics and Safe Resolutions 21:22 Respect, Boundaries & Saying No 23:40 Life Lessons and Staying Clean 24:43 Sponsor Segment: Factor Meals 27:40 Entering Corrections: Career Choice 29:34 Knowing the Community: Double-Edged Sword 30:14 Respect, Fairness, and Avoiding Violence 32:00 Overcrowding, Programs, and Jail Services 34:49 Correctional Culture: Then and Now 36:32 Political Changes & Rikers' Decline 41:13 Burough Jails, Funding, and Flawed Solutions 44:43 Sponsor Segment: GLD Chains 45:56 Corrections Leadership & Barriers to Progression 47:13 Mass Incarceration, Bad Policy, and Population Issues 51:01 Physical Conditions & Racial Makeup 54:35 Bail, Releases, and Systemic Injustice 56:39 Promotions, Process & Rules of the System 01:00:31 Programs: Entertainment and Violence Reduction 01:03:35 The Winner's Dorm: Transforming Inmates 01:04:41 Solitary Confinement: Problems & Alternatives 01:08:06 Expanding Special Housing and Culture Change 01:10:44 Medical, Mental Health, and Malingering 01:13:36 Mental Health, Career Impact and Life After 01:14:50 Defining Real Success for Youth 01:15:55 Numbers that Shock: Mass Incarceration 01:17:00 Notorious and Celebrity Inmates 01:18:36 Retirement, New Mission, and Legacy 01:18:56 Biggest Takeaways: Excuse-Free Success 01:19:56 Book Recommendation & Final Thoughts _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome to the Monday Minute – your weekly reset to lead better, think clearer, and build your independent dealership with intention.You can buy right, market well, and sell a car every day – and still run out of cash. Because nothing in this business actually happens until you collect the money. Sales are promises. Funding is real. Payments are real. Everything else is just activity until the cash hits your account.In this episode, Jeff and Luke make the case that collections is not a back-office function – it is the lifeblood of the dealership, regardless of whether you are retail, buy here pay here, or lease here pay here. Jeff breaks down why days to funding is one of the most critical metrics a retail dealer can track – do you know which lenders fund the same day and which ones drag it out four or five days while your floor plan is ticking? He walks through what buy here pay here and lease here pay here operators should be measuring every single week – promise-to-pay fulfillment, delinquency percentage, rolling charge-off rates, recovery percentage on collateral – and why the collections department deserves as much attention, resources, and intention as any other part of the store. Luke puts it in dollar terms: if your average charge-off runs $5,000 to $7,000, saving one deal a month is not a collections win. It is a profit line. And if getting deals funded one day faster saves you $100 to $200 a day in floor plan cost, that number gets very real by the end of the month.Your assignment this week: retail dealers, find out your days to funding right now – identify your fastest lenders, your slowest ones, and where the bottleneck lives in your paperwork process. Buy here pay here and lease here pay here operators, pull your collections metrics and ask whether your collector pay plan is actually aligned with the results you want. Because your team will focus wherever the compensation points them. Then ask yourself one honest question: what would saving one deal a month be worth to you? If the answer is $5,000, you already know what to do next.Review this week's Sunday newsletter at TheIndependentDealer.com for the full theme and exercises.Not subscribed yet? Sign up now.https://theindependentdealer.us19.list-manage.com/subscribe?u=603446580871d8522a454418d&id=50aae74348Let's build this together.

Insurance paperwork is delaying treatment for patients who don't have time to wait. One founder built a company to fix it.In this entrepreneur interview, Dr. Joshua Upshaw — founder and CEO of Hidalgo Technologies and a PhD in cognitive neuroscience — shares how a family health crisis pushed him from academic research into healthcare entrepreneurship, why he trusts his gut more than any spreadsheet, and how he built his team around mission alignment instead of resumes.Whether you're still validating your first idea or figuring out who belongs on your founding team, this conversation will change how you think about intuition, feedback, and timing.Chapters: 0:00 Cold Open: Trust Your Gut 0:22 Welcome to the Startup Junkies Podcast 1:02 What Is Hidalgo Technologies? Fixing Insurance Prior Authorization 1:54 From Neuroscience to Health Tech: Josh's Origin Story 2:59 The Family Story That Sparked Hidalgo Tech 5:35 Why Josh Calls Himself a Problem Solver, Not a Scientist 8:57 Validating the Problem Through Customer Discovery 11:36 Building the Team: Finding the Right Technical Lead 14:55 Why Mission Alignment Matters More Than Skill 16:10 Handling Feedback, Ego, and Doubt as a Founder 19:00 Following Your Gut: Sifting Signal From Noise 21:09 Who Hidalgo Tech's Ideal Customer Is 21:56 Funding the Company: NSF Grants & Raising Capital 25:32 The Next Five Years for Hidalgo Tech 26:23 Advice to His Younger SelfAbout Joshua Upshaw: Founder and CEO of Hidalgo Technologies, reducing administrative overhead in insurance prior authorization so patients get treatment sooner. PhD in cognitive neuroscience and an alum of the University of Arkansas's New Venture Development program and Health Tech Arkansas. Connect with Joshua: https://www.linkedin.com/in/joshua-upshaw-ph-d/Website: https://hidalgatech.com/

On this week's episode of The Venue Rx Podcast, host Jonathan Aymin sits down with Hannah Corbacio, the visionary behind The Rosalia Hotel, a beautifully restored boutique hotel and wedding venue in Pottsville, Pennsylvania. Hannah shares how an unexpected start in real estate investing evolved into an ambitious hospitality project, offering an honest look at what it takes to breathe new life into a historic property while building a thriving wedding venue business.Hannah opens up about the realities of working alongside her spouse, raising capital for a large-scale renovation, and having the confidence to book weddings before the venue was even complete. She also shares how setting clear expectations with couples helped build trust during construction and why taking calculated risks has been essential to her success. She also breaks down how she's leveraged organic social media, especially TikTok to generate awareness, build excitement, and consistently attract new wedding bookings without relying on a massive advertising budget.About Our Guest: Hannah Corbacio is an entrepreneur, real estate developer, and the co-founder of The Rosalia Hotel, an ambitious boutique hotel and wedding venue project in Pottsville, Pennsylvania. Alongside her husband, Hannah is leading the transformation of a historic bank building into a one-of-a-kind hospitality destination, blending luxury accommodations, weddings, and community revitalization.Before entering the world of hospitality and real estate, Hannah built a successful career in marketing, experience that has played a key role in launching and growing The Rosalia Hotel's brand. Through creative storytelling and organic social media particularly TikTok and Instagram she has generated excitement for the project and attracted couples long before the venue officially opened.Find Them Here: Website: https://therosaliahotel.com/Instagram: https://www.instagram.com/therosaliahotel/Facebook: https://www.facebook.com/therosaliahotel

Planned Parenthood affiliates in California say the impact of federal Medicaid funding cuts will continue for years, as clinics face layoffs, closures, and major financial challenges after losing reimbursement access.

On CoinDesk's The Policy Protocol, hosts Rebecca Rettig and Renato Mariotti break down a case of prediction market manipulation involving 500,000 fake Spotify streams and examine the latest uncertainty surrounding the U.S. Strategic Bitcoin Reserve. Then, Blockchain Association CEO and former CFTC Commissioner Summer Mersinger joins the show to explain why she believes prediction markets are underestimating the CLARITY Act's chances, why the CFTC needs fee-based funding, and what a fully staffed bipartisan commission would mean for the future of crypto regulation. Plus, Rebecca and Renato wrap up with a Person of the Week that shows just how mainstream prediction markets have become. - Timecodes: 0:00 - Summer Mersinger Joins The Policy Protocol 2:08 - Manipulation on Prediction Markets and Spotify 5:29 - Where Is the Strategic Bitcoin Reserve? (Rebecca) 8:28 - Summer Mersinger on Better Markets and Christy Goldsmith Romero 10:18 - CFTC Resources, Funding & Clarity's Regulatory Framework 15:54 - Clarity Passage Odds + The Single-Commissioner Debate 21:07 - Why Jose Mourinho & Future Are Our People of the Week - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at realfi.co. - Ledn provides a secure and transparent way to access liquidity while maintaining your bitcoin holdings. Perfect 8 year track record of keeping clients assets safe. Don't sell your bitcoin. Get a bitcoin-backed loan. Check out your rate by using their loan calculator at ledn.io - JPEG Trading is a global proprietary trading firm specializing in cryptocurrency and decentralized finance markets. From market structure and liquidity provision to quantitative trading strategies, JPEG Trading operates across the full spectrum of blockchain-based assets. Follow @jpegtrading on X to stay ahead of the latest developments in digital asset markets: https://x.com/jpegtrading