Podcasts about Interchange

Introduction What if the biggest friction point in insurance isn't underwriting or distribution, but the moment a policyholder actually gets paid? For an industry built on the promise of financial protection, the claims payout process remains stubbornly analog, slow, and vulnerable to fraud. In this episode of the Insurtech Leadership Podcast, host Joshua Hollander sits down with Andrew Jernigan, Head of Insurance, North America at Pliant, to dissect how card-based payout infrastructure is reshaping claims operations. From single-use virtual cards that eliminate fraud vectors to tokenized wallet payouts that meet policyholders where they already transact, Jernigan makes the case that modernizing the last mile of claims isn't just an ops upgrade, it's a revenue strategy. Guest Bio Andrew Jernigan is the Head of Insurance, North America at Pliant, a card-as-a-service platform modernizing claims and benefit payouts for insurers and payers. Prior to Pliant, he was the founder and CEO of Insured Nomads, a company built to serve globally mobile professionals with embedded insurance and financial wellness products. Jernigan brings a rare combination of carrier-side operating experience and fintech product instincts to the claims payout problem. Key Topics • Card-Based Claims Payouts - How single-use and virtual cards replace checks and ACH transfers, reducing settlement time from days to seconds • Fraud Reduction Through Card Infrastructure - Why single-use cards with merchant category restrictions eliminate common payout fraud vectors • Interchange as a Revenue Lever - The economics of card-based payouts: insurers can generate interchange revenue while reducing operational costs • Tokenized Wallet Payouts - The near-term future where claims land directly in Apple Pay or Google Wallet, removing the need for physical cards entirely • Branded Payout Experience - How carrier-branded payment cards turn the claims moment into a customer experience and retention touchpoint • Implementation Simplicity - Why modern card-as-a-service platforms can integrate in weeks rather than the months-long cycles of legacy payment systems • Communication as Retention Strategy - The hidden cost of poor claims communication and why payout speed alone doesn't solve the customer experience gap Notable Quotes "Use other people's money. That's literally the best advice in payments." • Andrew Jernigan, Head of Insurance, North America, Pliant "People are tired of believing that insurance is going to be like pulling teeth. They're waiting for innovation to happen." • Andrew Jernigan "It's not just speed. It's control. A single-use card means the money can only go where it's supposed to go." • Andrew Jernigan Resources Guest: • Pliant: https://www.pliant.io/ • Andrew Jernigan on LinkedIn: https://www.linkedin.com/in/andrewjernigan/ Host & Organization: • Joshua R. Hollander on LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Horton International (USA): https://www.horton-usa.com/ • Insurtech Leadership Podcast (LinkedIn Showcase): https://www.linkedin.com/showcase/insurtech-leadership-show Subscribe & Review If you enjoyed this episode, subscribe on your favorite platform and leave a review. The Insurtech Leadership Podcast is available on YouTube, Podbean, Apple Podcasts, and Spotify.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode SummaryMark Treichel sits down with Jason Stverak, Chief Advocacy Officer at the Defense Credit Union Council (DCUC), for a wide-ranging conversation on the policy threats credit unions are currently facing. From the government shutdown's impact on Coast Guard members to the proposed 10% interest rate cap, interchange regulation spreading into the states, and the banking lobby's opposition to credit union bank acquisitions — Stverak covers the full landscape of what's moving in Washington and why credit union leaders need to be paying attention.What We CoverThe partial government shutdown and its direct impact on Coast Guard members working without pay — and how credit unions are stepping in with forbearances and emergency lending.The ICBA's renewed push against credit union bank acquisitions, and why Stverak argues the real driver is dues protection rather than principled policy.The proposed 10% interest rate cap: why credit unions and banks have issued joint opposition, and what a cap at that level means for members with lower credit scores.How interchange regulation is moving from Congress into state legislatures — and why Illinois is just the beginning.DCUC's growth (30% membership increase in the past year), its due structure, and what it means for non-defense credit unions to engage with a defense-focused trade organization.The concept of operating "over the event horizon" — anticipating threats before they become crises.Upcoming DCUC events including Defense Matters at GAC, CU Unplugged in San Francisco, regional sub-council meetings, the annual meeting in Miami, and an overseas meeting in Bangkok.Connect with Jason Stverak and DCUCWebsite: dcuc.orgEmail: jstverak@dcuc.org

Adam Papalia and Paul Hasleby get together to chat all things footy around the country! Carlton's morals and ethics, Eagles injuries, Freo's first round match, is state of origin causing injuries?The Footy Interchange brought to you by SavvyWise AI-assisted tax research (and more)built specifically for Australian accounting firms.w: https://savvywise.com.au/Mandalay Beach Resort offers premium self-contained accommodation for every style and budget, from chalets and luxury villas to glamping and caravan sites.w: https://mandalayresort.com.au/The BackChat Podcast is served by Liquor Barons. Let your thirst for discovery be guided by Liquor Barons - find your nearest store!The BackChat Podcast is recorded out of BC Studios, built by grounded. building tomorrow, together.Thanks to our additional sponsors:TABtouch - Don't gamble more than you can afford to lose. Call Gambling Help WA (08) 9325 6644 enquiries@centrecare.com.au or Gambling Help on 1800 858 858 or https://www.gamblinghelponline.org.au/Mamba Digital - E-Commerce & Digital MarketingCamera Electronic - A wide range of premium photographic equipment and knowledge.SAY HELLOEmail: hello@backchatpodcast.com.auSocials: @backchat__Web: www.backchatpodcast.com.au Hosted on Acast. See acast.com/privacy for more information.

Josh Gabelich and Cal Twomey bring you the latest footy news on AFL Daily. Adelaide wants in on Opening Round next year, Collingwood make a change to the voting system for the Copeland Trophy, and a deep dive into how clubs are using the extra player on the interchange bench. Subscribe to AFL Daily and never miss an episode. Rate and review wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Send a textAre you still relying on product based rewards for members?Meet the new tool on the block: relationship building.A trigger is that interchange rates are under attack and, for many financial institutions, it's been interchange that funded the rewards programs.So what's the new approach? On the show is Beth McCoy, CEO of CORA Loyalty, who provides a roadmap for building member relationships that benefit both the member and the institution.  CORA Loyalty explains what it does this way: “Loyalty leaders are shifting from card-centric to relationship-focused campaigns. The approach rewards customers for activities across the institution: maintaining checking accounts, paying account fees, using credit and debit cards, transacting regularly, and long-term relationships.”“The goal isn't card spend, but broader and longer lasting outcomes like growing deposits, encouraging treasury management adoption, and strengthening the full banking relationship.”Sound good?Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

The Footy Interchange is back, Adam Papalia and Paul Hasleby get together to chat all things footy around the country! Pre-Season performance, thoughts on the opening round, what to expect kicking off round one, injury updates and much more. The Footy Interchange brought to you by SavvyWise AI-assisted tax research (and more)built specifically for Australian accounting firms.w: savvywise.com.auThe BackChat Podcast is served by Liquor Barons. Let your thirst for discovery be guided by Liquor Barons - find your nearest store!The BackChat Podcast is recorded out of BC Studios, built by grounded. building tomorrow, together.Thanks to our additional sponsors:TABtouch - Don't gamble more than you can afford to lose. Call Gambling Help WA (08) 9325 6644 enquiries@centrecare.com.au or Gambling Help on 1800 858 858 or https://www.gamblinghelponline.org.au/Mamba Digital - E-Commerce & Digital MarketingCamera Electronic - A wide range of premium photographic equipment and knowledge.SAY HELLOEmail: hello@backchatpodcast.com.auSocials: @backchat__Web: www.backchatpodcast.com.au Hosted on Acast. See acast.com/privacy for more information.

Send us a text and chime in!Interim changes to help improve traffic flow at and near the Loop 303 interchange with US 60 (Grand Avenue) in Surprise have been completed, according to the Arizona Department of Transportation. The improvements include additional turn lanes from east- and westbound Grand Avenue to 163rd Avenue, west of the Loop 303 interchange. Crews also expanded the southbound Loop 303 off-ramp by adding a third left turn lane onto Grand Avenue. Work on the [post_excerpt].8 million project started last September. Final lane striping and other pavement marking work was completed early this morning (Friday, Feb. 27). ADOT has partnered with the... For the written story, read here >> https://www.signalsaz.com/articles/traffic-improvements-at-loop-303-interchange-in-surprise/Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

Interchange fees are one of the largest — and most misunderstood — costs in merchant services. But new changes from Visa are reshaping how optimization works and creating new opportunities for payment professionals. In this episode of the Merchant Sales Podcast, James Shepherd speaks with Jeremy Layton, CEO of Verisave, about interchange optimization, Visa's new Commercial Enhanced Data Program (CEDP), and how merchants can reduce processing costs without switching providers. They explain how interchange works, why many merchants overpay, and how real transaction data is becoming critical under Visa's new rules. The episode also explores how ISOs and agents can partner on cost reduction programs, unlock new revenue opportunities, and help larger merchants who aren't looking to switch processors. Plus, Patti Murphy's Today in Payments segment covers major industry developments including Europe's move toward a new payment network, rapid growth from Toast and Zelle, and emerging payment innovations. If you're a merchant sales agent or ISO owner looking for new ways to deliver value — and generate revenue — this episode is a must-listen.

The NDC's construction of the Suame Interchange will not affect the NPP's electoral fortunes in the Ashanti Region. Governance is a continuous process, and infrastructure development should be guided by economic growth, not partisan politics. - Francis Asenso-Boakye, Former Roads and Highways Minister & MP for Bantama

“The four-tier Suame Interchange promised to Ashanti Region cannot be reduced, and the system you promised must be delivered.”- Barima Kofi Dawson (Akokoa) to Roads Minister, Hon. Agbodza

Join us for a captivating journey through the fields and distilleries of Mexico with Francisco Terrazas, Executive Director of the Tequila Interchange Project and co-founder of Paranubes Oaxacan Rum. We follow his path from the craft cocktail bars of Tucson, Arizona, to the heart of the agave world as the former General Manager of Houston's renowned mezcalería, The Pastry War. Francisco shares his deep dive into advocacy and production, from his time as Brand Ambassador for Mezcal Vago to co-founding one of Mexico's pioneering craft rum brands. He reveals the story behind Paranubes—a groundbreaking project that honors Oaxacan terroir and traditional methods outside the world of agave. This conversation goes beyond the bottle to explore his critical work with the Tequila Interchange Project, promoting sustainability and ethical practices in the spirits industry. Learn More: https://www.tequilainterchangeproject.org/funding Import Project: phttps://www.raicesimports.com Paranubes Rum: https://www.paranubes.com/about ____________________________________ Join us every Monday as acclaimed bartender, Erick Castro, interviews some of the bar industry's top talents from around the world, including bartenders, distillers & authors. If you love cocktails & spirits then this award-winning podcast is just for you. SUPPORT US ON PATREON: Get early access to episodes, exclusive bonus episodes, special content and more: https://www.patreon.com/BartenderAtLarge WATCH OUR VIDEOS ON YOUTUBE: https://www.youtube.com/bartenderatlarge FOLLOW US ON INSTAGRAM: Erick Castro: www.instagram.com/HungryBartender Bartender at Large: www.instagram.com/BartenderAtLarge FOLLOW US ON TIKTOK: Erick Castro: https://www.tiktok.com/@hungrybartender?_t=ZT-8uBekAKOGwU&_r=1 Bartender at Large: www.tiktok.com/BartenderAtLarge FOLLOW US ON TWITTER: Erick Castro: www.twitter.com/HungryBartender Bartender at Large: www.twitter.com/BartendAtLarge  

In this episode, Bryan Barrett sits down with State Representative Mike Sparks to discuss a pivotal meeting between Governor Bill Lee, the Smyrna State Delegation, and Town

MDJ Script/ Top Stories for January 14th Publish Date:  January 14th Commercial: From the BG Ad Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Wednesday, January 14th and Happy Birthday to Dave Grohl I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal East Cobb protest calls to end ICE after deadly shooting Interstate lane closure advisory for the I-285/I-20 West Interchange project ‘Ready to work for it’: Miss Cobb County 2026 looks toward Miss Georgia competition All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 5 STORY 1: East Cobb protest calls to end ICE after deadly shooting The intersection of Johnson Ferry and Roswell roads buzzed with energy Sunday afternoon as over 150 protesters gathered for the “ICE Out for Good” rally, part of a nationwide movement calling for the abolition of ICE. Chants of “No ICE, no fear, immigrants are welcome here” echoed across the streets, accompanied by honking horns and waves from passing cars. Protesters held handmade signs with messages like “Melt ICE,” “Justice for Renee,” and “Keep Orwell fiction.” The rally followed the recent fatal shooting of Renee Good, a Minneapolis woman, by an ICE agent during an immigration operation. Protesters, led by Indivisible Cobb, called out what they described as ICE’s unchecked violence. “This is about justice,” said Susan Lopez of Smyrna. “ICE is overstepping, and it’s time to hold them accountable.” Not everyone agreed. Terry Frost, a lone counter-protester, stood silently with a Trump campaign flag, voicing his support for ICE. “I can’t stand with people defending criminals,” he said. The protest remained peaceful, with no arrests reported. STORY 2: Interstate lane closure advisory for the I-285/I-20 West Interchange project  Heads up, drivers: weather permitting, GDOT contractors will be closing lanes around the I-285/I-20 West Interchange for a major reconstruction project. Expect delays, lane shifts, and some frustration—so plan ahead. The project? Widening ramps, adding collector-distributor lanes, and improving traffic flow. But first, the closures: I-285 Northbound: Cascade to Bolton, nightly Jan. 12-16. Single-lane closures start at 9 p.m., double-lane closures at 11 p.m. I-285 Southbound: Hollowell to MLK Jr. Drive, same deal. I-20 Westbound: Anderson to Riverside, 9 p.m. to 5 a.m. I-20 Eastbound: Riverside to I-285, alternating lane closures. Flagging operations and pacing will also hit nearby roads. Check 511ga.org for updates, and drive safe! STORY 3: ‘Ready to work for it’: Miss Cobb County 2026 looks toward Miss Georgia competition   For Dominique Verville, crowned Miss Cobb County 2026 last August, life’s best moments often sit just past fear. “Fear shows up when something matters,” the 23-year-old from Kennesaw told the Kiwanis Club of Marietta on Thursday. “It doesn’t mean you’re unprepared—it means you’re standing at the edge of growth.” A graduate of Auburn University with degrees in aviation management and finance, Verville is a classically trained dancer, a licensed pilot, and now an aviation insurance underwriter. But her heart? It’s in service. Through her nonprofit, Hearts for Heroes, she supports veterans transitioning to civilian life, delivering supplies and reading her children’s book, Dear Soldier, to students. “The crown isn’t about me,” she said. “It’s about serving others.” We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: INGLES 5 STORY 4: Mableton swears in new councilmembers, elects mayor pro tem The Mableton City Council kicked off the year with a packed agenda—and a little drama. New council members Cassandra Brown and Michael McNeely were sworn in, while Debora Herndon, reelected unopposed, will take her oath later this month. Then came the vote for mayor pro tem. After a 3-3 tie between Ron Davis and Keisha Jeffcoat, McNeely flipped his vote in a second round, giving Davis the role with a 4-2 majority. “Big shoes to fill,” Davis said, “but I’m ready to make this city the best it can be.” The council also approved Mableton’s participation in HUD’s Community Development Block Grant program, partnering with Cobb County to fund affordable housing, infrastructure upgrades, and economic development. STORY 5: Wood you believe it? New art exhibits open in Marietta   Two fresh exhibitions are taking over the Marietta-Cobb Museum of Art and they couldn’t be more different. Downstairs, “Georgia Wood Artists” showcases 50 stunning woodworks from 39 Georgia artists—everything from bowls to mandolins to abstract sculptures. Upstairs? Lawrenceville painter Maya Perez-Lugones makes her solo debut with a series of bold, surreal bathroom scenes. “It’s like night and day,” said museum director Sally Macaulay. “Every piece evokes something different. I love hearing what people feel.” Perez-Lugones’ work, inspired by light bouncing off bathroom surfaces, explores ego and compulsion. Meanwhile, the wood exhibit highlights craftsmanship, from whittling to woodturning. Tickets are $10; kids under 6 get in free. Break: STORY 6: Braves re-sign reliever Tyler Kinley    The Braves are keeping their bullpen busy this offseason, signing right-hander Tyler Kinley to a $3 million deal for 2026, with a $5.5 million club option for 2027 (or a $1.25 million buyout). Kinley, 34, was lights-out last season—5-0 with a ridiculous 0.72 ERA in just 25 innings after being traded from Colorado in July. Not bad, right? This move follows Atlanta’s other bullpen splashes: a $45 million deal for Robert Suarez and a $16 million re-signing of closer Raisel Iglesias. STORY 7: Health inspection follow-up brings big change for Hoboken Cafe  The Hoboken Café on Whitlock Avenue, a local favorite for Italian eats, bounced back this week after a rough health inspection in December. The follow-up? A shiny 97 out of 100—an “A” for food safety excellence. Back in December, though, things weren’t so great. The café scored a 69, just one point above a failing grade. Violations included raw meat stored above ready-to-eat foods, cooling and reheating issues, and sanitizer buckets with way too much solution. The last inspection found just one issue—improper cooling for stuffed peppers, which was fixed on the spot. Management says everything’s been addressed. We’ll have closing comments after this. Break: INGLES 5 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

MDJ Script/ Top Stories for January 7th Publish Date:  January 7th Commercial: From the BG Ad Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Wednesday, January 7th and Happy Birthday to Kenny Loggins I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal Interstate lane closure advisory for the I-285/I-20 West Interchange Project Infants, toddlers learn, play together in Saturday story time Kennesaw Catholic school sees financial awards, growth in third year of operation All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 3 STORY 1: Interstate lane closure advisory for the I-285/I-20 West Interchange Project Heads up, drivers: weather permitting, GDOT contractors will be closing lanes around the I-285/I-20 West Interchange for a major reconstruction project. Expect delays, detours, and, let’s be honest, some frustration. The project? It’s a big one—widening ramps, adding collector-distributor lanes, and improving traffic flow. But first, the closures: I-285 Northbound: Cascade to Bolton, nightly Jan. 5–9, with single-lane closures starting at 9 p.m. and double-lane closures at 11 p.m. I-285 Southbound: Donald Lee Hollowell to MLK Jr. Drive, same dates and times, with alternating lane closures. I-20 Westbound: Anderson Ave. to Riverside Parkway, nightly closures from 9 p.m. to 5 a.m. I-20 Eastbound: Riverside Parkway to I-285, alternating lane closures nightly. Flagging operations and pacing will also hit local roads like Collier Drive and Delmar Lane. Check 511ga.org or the Georgia 511 app for real-time updates. And please—slow down, stay alert, and watch for workers. STORY 2: Infants, toddlers learn, play together in Saturday story time  Saturday morning at the Lewis A. Ray Library was pure chaos—the good kind. Ten little ones, from wobbly toddlers to wide-eyed infants, gathered on a colorful mat in the children’s section, ready for story time. Their parents? Mostly trying to keep up. Jess Fulcher, the library’s assistant senior librarian of youth services, led the charge. There were songs (“Wheels on the Bus,” of course), dancing, and two books about big feelings: Mad, Mad Bear and Leo Wakes Up Grumpy. The kids shook maracas, froze mid-dance, and popped bubbles from a machine that sent hundreds floating through the air. “It’s amazing,” Fulcher said, smiling. “I’ve been seeing some of these kids for over a year now. Watching them grow, connect, and learn—it’s the best part of my job.” The library, located at 4500 Oakdale Road, hosts family story time every other Saturday. For details, visit cobbcounty.gov/location/lewis-ray-library. STORY 3: Kennesaw Catholic school sees financial awards, growth in third year of operation  The 2025-26 school year has been a big one for Kennesaw’s Chesterton Academy of Atlanta. Just three years in, this small Catholic high school is growing steadily—and racking up some impressive wins along the way. Founded in 2023, the school is part of the global Chesterton Schools Network, which aims to provide affordable, classical Catholic education. Tuition? $9,185 per year. This year, the network snagged the prestigious $1 million Yass Prize for education innovation, while the Kennesaw campus received a $3,000 grant from the Catholic Foundation of North Georgia to upgrade its art room and cafeteria. From just 10 students in its first year to over 30 now, Chesterton Academy is carving out a special place in Georgia’s Catholic education landscape. For more, visit chestertonatl.org. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: INGLES 3 STORY 4: Cobb lawmakers react to U.S. strike on Venezuela Cobb County lawmakers are weighing in on the U.S. military’s strike in Venezuela, which ended with the capture of President Nicolás Maduro and his wife, Cilia Flores. The operation, ordered by President Trump, has sparked a firestorm of reactions—both praise and sharp criticism. U.S. Rep. Barry Loudermilk, R-Cassville, called the move “decisive and courageous,” hailing it as the end of a “tyrannical regime” and a chance for a brighter future for Venezuela. But not everyone’s cheering. Rep. Marjorie Taylor Greene, R-Rome, slammed the strike, questioning its consistency with Trump’s stance on Ukraine and accusing the administration of prioritizing foreign conflicts over domestic issues. “Why is it okay when we do it?” she asked on X. Rep. Lucy McBath, D-Marietta, echoed concerns, demanding clarity on the strike’s legality and its potential to destabilize Venezuela further. Sen. Raphael Warnock, D-Georgia, went even further, calling it a “broken promise” from a president more focused on foreign oil than Americans’ struggles. Locally, the Cobb Democratic Party condemned the strike as “unlawful,” while Cobb GOP President Mary Clarice Hathaway defended Trump’s decision, saying, “Sometimes hard decisions are necessary.” STORY 5: Cobb Police arrest suspect in New Year’s Day homicide   A New Year’s Day stabbing at the Millwood Apartment Complex in Marietta left one man dead and another behind bars. Cobb County Police say they responded to a call around 8:30 a.m. on Jan. 1 at 300 Pat Mell Road, near Austell Road. When officers arrived, they found 47-year-old Jerry Sampson Jr. with a stab wound. He was rushed to the hospital but didn’t make it. The suspect, 50-year-old Zuberi A. Douglas, was arrested the next day at the same apartment complex where the incident happened. He’s now facing charges, including felony murder. The investigation is ongoing. Got info? Call 770-499-3945. Break: STORY 6: Mac’s Chophouse scores 64 on health inspection, owners say violations are being corrected     Mac’s Chophouse, a Marietta Square favorite, hit a rough patch, scoring a 64 on its health inspection—an unsatisfactory “U” grade. Ouch. Co-owners Randy McCray and Chef Mike Fuller didn’t shy away from the news. “This score doesn’t reflect who we are,” they said, calling most violations “administrative” rather than food safety issues. The inspection cited nine problems, from improper handwashing to black buildup in ice machines. A half-eaten burger on a prep table? Not a great look. McCray admitted, “We fell behind during a busy season.” They’ve since cleaned house—literally—and are prepping for a re-inspection by Jan. 9. STORY 7: Wheeler falls in title game of Hoophall West  Darius Wabbington was unstoppable. He dropped 23 points, grabbed nine boards, and led Sunnyslope to a nail-biting 61-59 win over Wheeler in the Hoophall West Nike Tournament of Champions final on Saturday. Wheeler (11-3), ranked No. 5 by MaxPreps, had a solid run—beating Salesian (CA) and No. 6 Millennium (AZ)—but three games in three days and 1,800 miles of travel caught up with them. Still, they fought. Down 47-45 heading into the fourth, they clawed back to lead 53-51. But Sunnyslope? Ice cold at the line. They hit all 15 free throws, including six clutch ones from Colorado signee Rider Portela, who finished with 14 points. The game was chaos—nine ties, 16 lead changes, and no lead bigger than five. Wheeler’s Amare James (16 points) and Colben Landrew (20 points, six assists) kept it close, but Wabbington’s second-half threes and Sunnyslope’s composure sealed it. Tough loss, but what a game. We’ll have closing comments after this. Break: INGLES 3 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

Today – Mansfield City Council has approved its first-ever use of a decades-old financing tool, setting the stage for long-term road improvements near one of the city’s busiest interchanges.Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.

Revolut ha pasado de ser una fintech prometedora a consolidarse como la entidad financiera tecnológica más valiosa de Europa, desafiando a la banca tradicional con una velocidad de ejecución sin precedentes. En este episodio, Ignacio Zunzunegui, Head of Growth para el sur de Europa y LATAM, nos abre las puertas de la maquinaria interna que impulsa este crecimiento exponencial.

Who gets hurt most from the demise of the penny? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Bryan Derman, Russ Jones, and Chris Uriarte share their first-take analysis of last week's proposed settlement of the long-running antitrust litigation between Visa/Mastercard and a group of merchants regarding Payment Card Interchange and Merchant Discounts. The discussion covers the basic parameters of the settlement proposal and then investigates some of the possible reactions by merchants, issuers, and networks were the settlement to be approved the by judge.

A Scene of Wonderful Solemnity will bring you peace and sleepiness as Frankie and Victor live in the Interchange of Kindness pretty well, especially for non-friennies such as themselves.This sleepified reading of Mary Shelley's Frankenstein talks about the Big Farm, religion, and mental health.This episode was originally released on Sleep With Me Plus! Your direct support keeps the show going and gives you access to hundreds of hours of bonus episodes like this one. Start a free trial at sleepwithmepodcast.com/plusGet your Sleep With Me SleepPhones. Use "sleepwithme" for $5 off!!Are you looking for Story Only versions or two more nights of Sleep With Me a week? Then check out Bedtime Stories from Sleep With MeShow Artwork by Emily TatGoing through a hard time? You can find support at the Crisis Textline and see more global helplines here.HELIX SLEEP - Take the 2-minute sleep quiz and they'll match you to a customized mattress that'll give you the best sleep of your life. Visit helixsleep.com/sleep and get a special deal exclusive for SWM listeners!ZOCDOC - With Zocdoc, you can search for local doctors who take your insurance, read verified patient reviews and book an appointment, in-person or video chat. Download the Zocdoc app to sign-up for FREE at zocdoc.com/sleep PROGRESSIVE - With the Name Your Price tool, you tell Progressive how much you want to pay for car insurance, and they'll show you coverage options that fit your budget. Get your quote today at progressive.comKINDRED - Kindred is a members-only home swapping network. It isn't a hotel. It isn't a short-term rental. It's a smarter way to travel where each stay feels like home. Apply now at LiveKindred.com and use code SLEEP to join for free. Plus, you'll earn 5 nights of travel credit just for signing up!ODOO - Odoo is an all-in-one management platform with a suite of user-friendly applications designed to simplify and connect every aspect of your company in one, easy-to-use software. Odoo is the affordable, all-in-one management software with a library of fully-integrated business applications that help you get MORE done in LESS time for a FRACTION of the price.To learn more, visit www.odoo.com/withmeUNCOMMON GOODS - Uncommon Goods scours the globe for original, remarkable, handmade things. Surprise your friends and family with unique - and even personalized! - gifts this holiday season. Head to uncommongoods.com/sleep for 15% off!EVERYDAY DOSE - Everyday Dose combines high quality coffee with powerful ingredients like Lion's Mane and Chaga, collagen protein, and nootropics to fuel your brain, boost focus, and give you clean, sustained energy all day long. Head to EverydayDose.com/SLEEP for 61% off your first Coffee+ Starter Ki… Learn about your ad choices: dovetail.prx.org/ad-choices

10/20/25: Rob Kost and Walter Samuel live near and along 64th Avenue in Fargo, and join Joel Heitkamp in the KFGO studio to talk about a big change to their neighborhood. City of Fargo staff have been collecting public input about a proposed Interstate 29 interchange at 64th Avenue South, and many citizens in the area are unhappy about the sudden change. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

WDAY First News anchors Lisa Budeau and Lisa Budeau break down your regional news and weather for Thursday, September 25.  InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. Visit https://www.inforum.com/subscribe to subscribe.

Darren Linton got off the number 469 bus at the Brewers Arms on Bell Lane and waved goodbye to his grandmother Shirley, who was still on board. They had arranged to meet up to go shopping that weekend, something they enjoyed doing together, especially if they came across a record store. Earlier that day, they had visited Darren's mother, Beryl, who was in the hospital. On her journey home, Shirley had to get a connecting bus at the Interchange station in Bury, Greater Manchester. Sometime later, when that second bus pulled in at the station, there was no sign of Shirley… *** LISTENER CAUTION IS ADVISED *** This episode was researched and written by Eileen Macfarlane.Edited by Joel Porter at Dot Dot Dot Productions.Script editing, additional writing, illustrations and production direction by Rosanna FittonNarration, additional audio editing and mixing, and script editing by Benjamin Fitton.To get early ad-free access, including Season 1, sign up for They Walk Among PLUS, available from Patreon or Apple Podcasts.More information and episode references can be found on our website https://theywalkamonguspodcast.comMUSIC: Longing For You by Moments As I Dream by Moments Beyond The Bridge by Caleb Etheridge Blade Edge by Cody Martin Cain by Cody Martin Dragonsilk by Cody Martin Frontier by Cody Martin Harbinger by Cody Martin Loaves & Fish by Cody Martin Rhosphere by Cody Martin Sabotage by Cody Martin Snowdrift by Cody Martin Rising Sun by Colossus Count Backwards From 10 by Glasseyes Enigma by Hill Greaser by JB Good Fallen Sky by Moments Onward by Chelsea McGough Sleep by Stephen Keech Allied by Wicked Cinema Leatherface by Wicked Cinema No Escape by Wicked Cinema SOCIAL MEDIA: https://linktr.ee/TheyWalkAmongUsSupport this show http://supporter.acast.com/theywalkamongus. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Culture Eats Everything podcast, Tom and Nicole discussed recent flooding situations in Wisconsin and compared them to experiences in other states, while sharing their backgrounds in senior care and leadership roles. They explored the importance of authentic leadership and vulnerability, particularly during crises, with Nicole sharing examples from her experience as CEO of Cedar Community and her broadcasting background. The conversation concluded with discussions about leadership challenges, transparency, and future plans for collaboration at the Leading Age conference.Click here to buy our book:

In this episode of the Culture Eats Everything podcast, Tom and Matt shared their experiences and perspectives on teaching and education leadership, discussing their personal journeys and the challenges of small-town life. They explored topics including the importance of kindness and directness in teaching, the evolution of Matt's teaching approach, and the role of leadership in creating positive school cultures. The conversation concluded with discussions about organizational culture, collaboration, and the evolving nature of educational leadership, including plans for future video projects and sharing educational practices.Click here to buy our book:

In this episode of the Culture Eats Everything podcast, Host Tom Willis sits down with former superintendent Dan Cox, who opens up about the hidden pressures school leaders face.

Retail NZ is criticising the Commerce Commission's regulatory change to card payment fees. The Commission today announced new regulations on interchange fees, reducing charges to businesses for taking Visa and Mastercard payments. Retail NZ Chief Executive Carolyn Young says it's a complex issue - and these changes won't address everything. "This is one part of the merchant service fee, there's about 5 or 6 fees depending on how you structure your payment portfolio that may cut the merchant service fee. The Commerce Commission has said they won't get that fee down to one percent maximum." LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode, IPA's Ben Jackson speaks with Brian Tate, CEO of the Innovative Payments Association, about what's happening in payments regulation in Washington and beyond. They discuss:  The stablecoin bills moving through Congress,  The executive order on phasing out checks for government payments,  Illinois's delay of its Interchange law effective date.  This episode was recorded on June 18, 2025. Please note that developments may have occurred since then.  Additional Resources:  IPA Summer of Learning Webinar Series  IPA Compliance Boot Camp – September in Chicago  Stay tuned for future episodes and don't forget to subscribe! 

In this powerful episode of Culture Eats Everything , Tom sits down with Kathy Martin, CEO of Glenmeadow in Massachusetts. Kathy shares how lessons from field hockey shaped her leadership journey, the difference between reacting and responding, and how leaders must move beyond their “default success strategy.” She also reveals how Glenmeadow is redefining aging—not as a decline, but as a vibrant phase full of growth and potential. A must-listen for aspiring leaders and anyone rethinking what it means to grow older with purpose.

Town Manager Terry Rozema sits down with Public Works Director Fausto Burruel to discuss the backups on Interstate-10 at Tangerine Interchange, the plans for improvements, and the Town's relationships with Arizona Department of Transportation and Union Pacific Railroad.Resources:Contact Arizona Department of Transportation.Contact the Union Pacific Railroad.View the Town of Marana Capital Improvement Projects Dashboard.

In this episode of the Culture Eats Everything podcast, Tom sit down with Monica Schroeder, Deputy Superintendent of Northshore School District 112. Monica shares her inspiring journey, how she advocated for herself as a Latina female leader, and the power of intentional succession planning.If you're a school board member, aspiring superintendent, or anyone passionate about leadership, culture, and education, this conversation is packed with lessons on advocacy, resilience, and driving positive change.

ATLP Rewind - Originally Released April 1, 2023Welcome to another dimmension, where Joe Mammay is the host of Around The Layout and is interviewing Ray Arnott. Come along as we hear about Ray's start in model railroading, from a TYCO set to an attempt at N scale. Ray tells us how the prototype led him back to the hobby, and how joining a club introduced him to his mentor who helped open his eyes to the concept of operations.Thank you to Joe Mammay who did an outstanding job hosting this April Fools edition of Around The Layout. We hope you enjoy!Learn more about this episode on our website:aroundthelayout.com/rewindThank you to our episode sponsor, Oak Hill Model Railroad Track Supply:https://ohrtracksupply.com/Thank you to our episode sponsor, Tully Models:https://tullymodels.com

They called the film Avengers: Infinity War the most ambitious crossover event in history. We can't quite make the same claim, but at Wood Mackenzie's 2025 Solar and Energy Storage Summit, we did record a crossover episode. Sylvia Leyva Martinez, Wood Mackenz's principal analyst for solar power and host of Interchange Recharged, is joined by Ed Crooks, host of Energy Gang, to discuss the future of energy, and of the electricity grid in particular.They are joined by Rob Chapman, Senior Vice President of Energy Delivery and Customer Solutions at the non-profit research group EPRI, the Electric Power Research Institute, which aims to help power society toward a reliable, affordable, and resilient energy future. Rob talks about a key theme in his work: the importance of flexibility on the electricity grid. Increased reliance on solar and wind power has created challenges in keeping the grid balanced and the lights on. Surging demand for electricity for new data centres to train and run AI models is giving rise to a whole new set of issues. More flexible demand and supply on the grid is increasingly valuable. But where can it come from?Data centres don't usually offer a lot of flexibility in their operations. People want to use ChatGPT and watch Netflix even at night and when the wind is low. So what can the hyperscalers do to create flexibility? Are virtual power plants an effective option? And how can the energy industry improve collaboration to find solutions that promote the clean energy transition while keeping prices down?You can find Energy Gang wherever you get your podcasts, and follow Interchange Recharged with Sylvia Leyva Martinez for deep dives into the innovations that are accelerating the energy transition.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There are a handful of people in the clean energy and infrastructure world whose knowledge and voices serve as guiding lights. Shayle Kann is one of those people. Known for his deep expertise, unique perspective, and distinct voice, Shayle has covered and shaped the energy transition for years.While regular listeners will know, we typically feature startup founders. But Shayle's long-standing influence—from GTM and The Interchange to EIP and Catalyst—made it a true pleasure to turn the mic around.This episode, recorded in front of a live, sold-out audience at SF Climate Week, marked Shayle's first time as our guest, though he's no stranger to the show. For the first few years of Watt It Takes, starting in 2017, when every episode was recorded in front of a live audience, Shayle would kick off each conversation by setting the industry context and introducing our guest.In this episode, we trace Shayle's journey, starting with his roots in Madison, Wisconsin, and share how his entrepreneurial spirit and compelling storytelling abilities have been instrumental in his rise as a leader.On a personal note, I've known Shayle for nearly a decade. He has been a colleague and a friend, and I'm excited for him to tell his story.SponsorsThis live recording, and this next season of Watt It Takes, is brought to you by our lead sponsor, HSBC Innovation Banking who is proud to bank some of the most exciting companies pioneering the technologies of tomorrow.With specialist financing support, deep understanding of the challenges, and a global network across more than 50 markets, they help clients scale breakthrough innovations, and take them to the world.So, if you're looking for early-stage funding, or well on your way to FOAK, click the link in the show notes to learn how HSBC Innovation Banking can help on the next stage of your journey.About Powerhouse Innovation and Powerhouse Ventures Powerhouse Innovation is a leading consulting firm connecting top-tier corporations and investors, including corporate innovation teams, CVCs, and pensions with cutting-edge technologies and startups that meet their specific criteria for engagement. Powerhouse Ventures backs entrepreneurs building the digital infrastructure for rapid decarbonization. To hear more stories of founders building our climate positive future, hit the “subscribe” button and leave us a review.

They called the film Avengers: Infinity War the most ambitious crossover event in history. We can't quite make the same claim, but at Wood Mackenzie's 2025 Solar and Energy Storage Summit, we did record a crossover episode. Ed Crooks, host of Energy Gang, is joined by Sylvia Leyva Martinez, Wood Mackenz's principal analyst for solar power and host of Interchange Recharged, to discuss the future of energy, and of the electricity grid in particular.They are joined by Rob Chapman, Senior Vice President of Energy Delivery and Customer Solutions at the non-profit research group EPRI, the Electric Power Research Institute, which aims to help power society toward a reliable, affordable, and resilient energy future. Rob talks about a key theme in his work: the importance of flexibility on the electricity grid. Increased reliance on solar and wind power has created challenges in keeping the grid balanced and the lights on. Surging demand for electricity for new data centres to train and run AI models is giving rise to a whole new set of issues. More flexible demand and supply on the grid is increasingly valuable. But where can it come from?Data centres don't usually offer a lot of flexibility in their operations. People want to use ChatGPT and watch Netflix even at night and when the wind is low. So what can the hyperscalers do to create flexibility? Are virtual power plants an effective option? And how can the energy industry improve collaboration to find solutions that promote the clean energy transition while keeping prices down?You can find Energy Gang wherever you get your podcasts, and follow Interchange Recharged with Sylvia Leyva Martinez for deep dives into the innovations that are accelerating the energy transition.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In Part 1 of this two-part series on succession planning, Michael Lubelfeld, Superintendent of Northshore School District 112, joins the Culture Eats Everything podcast. He reflects on his leadership journey, the intentional planning behind his upcoming retirement, and how he and Deputy Superintendent Monica Schroeder are working together to ensure a seamless leadership transition. A candid conversation filled with lessons on legacy, communication, and the power of thoughtful planning.Click here to buy our book:

April 4, 2025 - "The leaves, like women, interchange (987)" by Emily Dickinson, read by Tabitha Biracree by The Desmond-Fish Public Library & The Highlands Current, hosted by Ryan Biracree

In this episode of Culture Eats Everything Podcast, Jim Van Allan, President of The Energy Bus for Schools, shares powerful insights on leadership, engagement, and fostering positive cultures. With a PhD in educational leadership, he discusses the crossover between building successful schools and thriving organizations. Tune in to discover actionable strategies to energize your culture, whether in education or business!Click here to buy our book:

Glen recaps an action-packed Government Affairs Conference, featuring our annual interview with America's Credit Unions' Economics Team on the coming year's outlook. An “existential threat” to the industry's income tax exemption headlined a packed agenda, but the CFPB, NCUA and interchange legislation were also on the menu- not to mention tariff whiplash and market uncertainty.       Links related to this episode:   America's Credit Unions' Monthly Economic Updates: https://www.americascreditunions.org/data-tools/economic-data-bank-comparisons/economic-update-video-archive   The Don't Tax My Credit Union Advocacy/Resource page: https://www.donttaxmycreditunion.org/ CrossState CUA's explanation of why credit unions offer better rates: https://www.crossstate.org/about/communications/blog/why-do-credit-unions-have-better-rates/ Glen's blog covering the GAC's key takeaways:   Join us for our next CU Town Hall- Wednesday March 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will focus on a discussion of key takeaways from the Governmental Affairs Conference.  The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/  Signing up for the Town Hall also earns you a card for our Bingo game tracking 2025 industry predictions.  Find out more here: https://www.big-fintech.com/Media?p=did-you-have-that-one-on-your-bingo-card   Join us on Bluesky!  @bigfintech.bsky.social  @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

We're going to talk swipe fees with the NRA's Brennan Duckett to update you on the status of the industry's national effort to push back on the Visa and Mastercard payments duopoly that is bleeding restaurant owners dry. And then we'll take a look at a national boycott of Target, Amazon and Walmart over their DEI practices and discuss whether they are an effective tool and should restaurant brands be nervous? We'll talk about those issues and wrap it up with the legislative scorecard.

Join us for an insightful conversation with Jamie LaLonde, CEO of Angela Hospice, on leadership growth, workplace culture, and transitioning from executive director to CEO. Learn how Jamie empowers her team, fosters a strong culture, and navigates the challenges of leadership. Don't miss this episode of Culture Eats Everything!

Chris Wilson, Springville City Engineer discusses the progress on the Dry Creek Parkway and I-15 Interchange (previously known as 1600 S.) with Project Engineer, Tyrel Edwards from UDOT. 

Several provisions in the state's latest budget proposal could leave the Indiana Historical Society without a building. A $3 million project is underway to improve Tarkington Park, just west of the State Fairgrounds. Pharmaceutical giant Eli Lilly announced Wednesday that it plans to invest roughly $27 billion in United States manufacturing. ClearPath465, a project that began in 2022, aims to make the I-465 and I-69 interchange safer and alleviate congestion for drivers on the north east side. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Brian Baum is the president & CEO of Interchange Capital Partners a family business advisory firm in Pittsburgh, PA. Brian is himself the second-generation in a business his father founded and where they work closely together. That means he's seen and addressed firsthand the uniqueness of guiding family business owners and operators on their path to the future. We talked business, we talked family, we talked sports, and we talked about thoughtful disagreement and healthy conflict within family business. (We did ALL that without conflict ourselves.) I trust you will enjoy Brian's wisdom and drive. If this is a good listen while all on a drive, all the better. Wherever and whenever you listen, please enjoy episode #63 of GENeration EXcellence with Brian Baum. Interchange Capital Partners website https://www.interchangecp.com/

Glen speaks with NACUSO's Interim CEO- and serial CUSO founder- Miriam Ackerman about plans for the group's Reimagine conference this April in Las Vegas, including a juiced up Next Big Idea competition. Also- a quick summary of the busiest credit union news week in recent memory.    Links related to this episode:   NACUSO's Reimagine Conference, April 14-17 in Las Vegas: https://www.reimaginenacuso.com/ The Next Big Idea competition: https://www.reimaginenacuso.com/next-big-idea-competition Bernie Sanders' press release about the new Senate Bill capping credit card interest rates at 10 percent: https://www.sanders.senate.gov/press-releases/news-sanders-hawley-introduce-bill-capping-credit-card-interest-rates-at-10/ CU Today's reporting on the latest twist in Illinois interchange legislation: https://www.cutoday.info/THE-boost/Federal-Judge-Expands-Injunction-Against-Illinois-Interchange-Law-To-Out-Of-State-Banks-Denies-Credit-Unions-Request CU Times' reporting on USAID-related layoffs at the World Council of Credit Unions: https://www.cutimes.com/2025/02/07/woccu-let-go-over-half-of-its-employees-due-to-usaid-freeze/ Former FDIC Chair Sheila Bair's Washington Post op-ed calling for the elimination of credit unions' tax exemption: https://www.washingtonpost.com/opinions/2025/02/03/credit-unions-tax-subsidies-bair/ Glen's blog on 2025's credit union Bingo card:   Join us for our next CU Town Hall- Wednesday February 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Industry developments keep coming fast and furious- the CU Town Hall is the place to make sense of these items together. It's free to attend, but advance registration is required:  https://www.cutownhall.com/  Find us on BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

What can improv teach us about leadership? In this episode of the Culture Eats Everything podcast, host Tom interviews Joel Zeff, author of Make the Right Choice, to explore how improv can elevate leadership, boost team engagement, and create a culture of fun.

In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins. From hidden fees to interchange padding and optimization, this discussion sheds light on how processing costs are structured and what ISOs and agents need to know. Whether you're new to interchange or looking for advanced insights, this episode is packed with valuable information. Plus, Patti Murphy provides an update on Visa Direct's push for instant payments.

Thanks to Pranav for suggesting this week's massive topic! Further reading: When did the Isthmus of Panama form between North and South America? Florida fossil porcupine solves a prickly dilemma 10-million years in the making Evidence for butchery of giant armadillo-like mammals in Argentina 21,000 years ago Glyptodonts were big armored mammals: The porcupine, our big pointy friend: Show transcript: Welcome to Strange Animals Podcast. I'm your host, Kate Shaw. This week, at long last, we're going to learn about the great American interchange, also called the great American biotic interchange. Pranav suggested this topic ages ago, and I've been wanting to cover it ever since but never have gotten around to it until now. While this episode finishes off 2024 for us, it's the start of a new series I have planned for 2025, where every so often we'll learn about the animals of a particular place, either a modern country or a particular time in history for a whole continent. These days, North and South America are linked by a narrow landmass generally referred to as Central America. At its narrowest point, Central America is only about 51 miles wide, or 82 km. That's where the Panama Canal was built so that ships could get from the Atlantic Ocean to the Pacific and vice versa without having to go all around South America. It wasn't all that long ago, geologically speaking, that North and South America were completely separated, and they had been separated for millions of years. South America was part of the supercontinent Gondwana, while North America was part of the supercontinent Laurasia. We've talked about continental drift before, which basically means that the land we know and love on the earth today moves very, very slowly over the years. The earth's crust, whether it's underwater or above water, is separated into what are called continental plates, or tectonic plates. You can think of them as gigantic pieces of a broken slab of rock, all of the pieces resting on a big pile of really dense jelly. The jelly in this case is molten rock that's moving because of its own heat and the rotation of the earth and lots of other forces. Sometimes two pieces of the slab meet and crunch together, which forms mountains as the land is forced upward, while sometimes two pieces tear apart, which forms deep rift lakes and eventually oceans. All this movement happens incredibly slowly from a human's point of view--like, your fingernails grow faster than most continental plates move. But even if a plate only moves 5 millimeters a year, after a million years it's traveled 5 kilometers. Anyway, the supercontinent Gondwana was made up of plates that are now South America, Africa, Australia, Antarctica, and a few others. You can see how the east coast of South America fits up against the west coast of Africa like two puzzle pieces. Gondwana actually formed around 800 million years ago, then became part of the even bigger supercontinent Pangaea, and when Pangaea broke apart around 200 million years ago, Gondwana and Laurasia were completely separate. North America was part of Laurasia. But Gondwana continued to break apart. Africa and Australia traveled far away from South America as molten lava filled the rift areas and helped push the plates apart, forming the South Atlantic Ocean. Antarctica settled onto the south pole and India traveled past Africa until it crashed into Eurasia. By about 30 million years ago, South America was a gigantic island. It's easy to think that all this happened just like taking puzzle pieces apart, but it was an incredibly long, complicated process that we don't fully understand. To explain just how complicated it is, let's talk for a moment about marsupials. Marsupials are mammals that are born very early and finish developing outside of the mother's womb, usually in a special pouch. Kangaroos, wallabies, koalas, wombats, and Tasmanian devils are all marsupials, and all from Australia.

Jon Kol is the co-founder of Hyperlane, an interoperability protocol. In this episode, Kol and Chaparro discuss the challenges and progress of blockchain interoperability, and how the industry may now be turning a corner. OUTLINE 00:00 Introduction 04:24 A year away 08:50 Interchange singularity 10:30 Bridge opportunities 13:32 Balancing speed and security 18:35 Poor UX, Poor DevX 20:11 Who's the buyer? 26:52 Conclusion This episode is brought to you by our sponsor Polkadot Polkadot is the blockspace ecosystem for boundless innovation. To discover more, head to polkadot.network This episode is brought to you by our sponsor Bitkey Bitkey is the safe, easy way to own and manage bitcoin. Learn more at Bitkey.world The Block Community The Block is launching a new community experience for fans of The Scoop! Follow us on Lens to stay in the loop: hey.xyz/u/theblockcommunity The Block Newsletters The Block's newsletters bring you the latest news and analysis of the fast-moving crypto and DeFi markets. To subscribe, visit theblock.co/newsletters GUEST LINKS Jon Kol - https://www.linkedin.com/in/jon-kol-4bb37a9b/ Jon Kol on X - https://x.com/thePalenimbus Hyperlane - https://hyperlane.xyz/ Hyperlane on X - https://x.com/hyperlane

Homeowners are able to build equity when they pay their mortgages; renters don't have that benefit. A new program hopes to create a different type of incentive. Then, voters in Mesa County will decide on a big interchange project this election that contrasts philosophies and vision. Plus, what we can learn from the highest alpine garden in North America. And a spine-chilling story to get into the Halloween spirit!