Podcasts about melio

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Get 3 free months of Audible - https://milestomemories.com/audible-subscription-offer-2/ Chase ran a wave of shutdowns this week aimed at people hammering the Amazon card, some reportedly cycling millions a month through buyers group spending, and we walk through Doctor of Credit's full list of what actually triggers a Chase shutdown. More importantly, we cover the three things that catch normal people who are not doing anything extreme, bust out risk on a brand new card, credit limit cycling, and sitting on a massive negative balance. Alaska Atmos also added Philippine Airlines as a partner, and business class availability is wide open at 75,000 miles from San Francisco and 85,000 from Los Angeles, though we get into why Manila is a rough connection point and not really a jumping off spot for the rest of Asia. Seats.aero shipped a Chrome extension that overlays award pricing directly onto Google Flights, and it works well right out of the box. We close with Hilton cutting the fees hotel owners pay, which sounds small at 0.3 percent but is a real chunk of what they collect, and explain why less money coming into the program almost always means devaluations for you. Let us know in the comments what your favorite award search tool is. Episode Guide: 0:00 Welcome to MTM Travel 0:19 Lake Life & Too Many Houseguests 2:05 Chase Shuts Down Amazon Card Users 3:45 What Actually Triggers a Chase Shutdown 6:43 The Three That Catch Normal People 9:30 Seats.aero's New Chrome Extension 12:13 Alaska Adds Philippine Airlines 16:46 Hilton Cuts the Fees Owners Pay 18:48 Hilton Rise & Falling Brand Standards 23:12 Hotel Rates Have Doubled 24:05 Final Thoughts Links Chase shutdown wave - https://www.doctorofcredit.com/chase-amazon-prime-shutdown-large-spend-inactivity/ What causes shutdowns - https://www.doctorofcredit.com/what-causes-chase-credit-card-shutdowns/ Seats.aero Chrome - https://milestomemories.com/seats-aero-chrome-extension-adds-award-prices-to-google-flights/ Atmos award space - https://milestomemories.com/book-philippine-airlines-business-with-atmos/ Hilton cutting fees for owners - https://onemileatatime.com/news/hilton-cuts-loyalty-fees-hotel-owners-pay-bad-hilton-honors-members/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Get 3 free months of Audible - https://milestomemories.com/audible-subscription-offer-2/ Bilt responded to the pricing problem we covered last week, and Richard Kerr reached out directly about the resort fee disclosure issue on their travel portal. There is a toggle that shows all in pricing, but it is buried where almost nobody will find it, and we make the case it belongs right on the initial search screen. Mark also found something stranger, the same hotel priced 10 to 15 dollars differently between his account and his wife's, which opens a real conversation about personalized pricing in the age of AI. On the hotel side, Hilton charged him roughly $280 a night for rooms he booked entirely on points, a good reminder to always check your folio before you leave. Then we get into whether premium economy is good enough for a 13 hour flight home from Seoul, why the footrest works great if you are short and terribly if you are tall, and how the snobbery in this hobby has quietly faded as award space has dried up. Plus Mark's 75,000 point Aeroplan booking to see Wrexham, the transfer bonuses ending this month, and the Virgin points to AMC popcorn trick that finally wore Shawn down. Let us know in the comments whether you would take the nonstop in premium economy or connect in business. Episode Guide: 0:00 Welcome to MTM Travel 0:18 Hilton Charged Us for a Points Stay 4:01 Bilt Responds to the Pricing Problem 7:33 We Need a Hotel Pricing Law 10:47 Two Accounts, Two Different Prices 15:29 Is Premium Economy Good Enough? 17:36 The Footrest Problem (If You're Tall) 19:12 The Snobbery Has Faded 22:38 Points as an Emergency Fund 25:41 A 75K Aeroplan Booking to See Wrexham 31:23 Transfer Bonuses Ending This Month 33:07 The Virgin Points Popcorn Hack 35:41 Final Thoughts Links Current transfer bonuses - https://milestomemories.com/current-transfer-bonuses/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Get 3 free months of Audible - https://milestomemories.com/audible-subscription-offer-2/ Both Hyatt cards have increased welcome offers, and we explain why the personal card's 75,000 point headline is a little misleading since a chunk of it is just base earning you would get anyway. Frequent Miler is reporting that Chase quietly added new terms to Chase Offers warning that abuse may get you excluded from future offers, which leads into a real conversation about where the line sits between an error in your favor and outright fraud. Bank of America is now handing out retention offers through its Erica chatbot, so you can click through your cards quickly without ever talking to a person, though accepting one offer appears to lock you out on the rest. United also has new targeted MilePlay promotions, some of them worth 20,000 plus bonus miles just for getting the credit card and opting into notifications. We close with a real problem on Bilt travel, where a hotel showing $279 a night turned into an $800 plus bill at checkout because resort fees were not disclosed up front, something Expedia's own site does correctly. Let us know in the comments what the craziest abuse story you have heard is. Episode Guide: 0:00 Welcome to MTM Travel  0:24 Hyatt's New 75K Personal Card Offer 3:07 The Hyatt Business Card: Who It's For 6:34 Chase Warns "Gamers" on Chase Offers 8:20 Where Gaming Becomes Fraud 11:01 BofA Retention Offers Via Chatbot 12:58 A Rough Citi Retention Call 14:26 United's New MilePlay Promotions 17:29 Bilt Travel's Pricing Problem 18:06 The $279 Room That Cost $800 23:38 Final Thoughts Links Hyatt business - https://milestomemories.com/world-of-hyatt-business-card-70k-offer/ Hyatt personal - https://milestomemories.com/75k-bonus-on-word-of-hyatt-card/ Chase Offers - https://milestomemories.com/chase-adding-abuse-warning-to-some-chase-offers/ BofA retention - https://milestomemories.com/check-for-bank-of-america-retention-offers/ MilePlay - https://milestomemories.com/united-airlines-mile-play-promotion/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Get 3 free months of Audible - https://milestomemories.com/audible-subscription-offer-2/ A huge week of travel news, so we ran through the partnerships and new seat products that actually matter. Delta launched a basic first class following United, stripping out seat selection, upgrades, and same day changes while almost certainly charging you the same, and we explain why it is just a way to make you pay more for what you already got. The good news is United is putting a blocked empty middle seat with its own tray on its A321XLRs, a European style setup that saves them a flight attendant and that we would happily book over regular first, and Emirates is rolling out a folding UDream headrest that could finally make sleeping in economy possible. We also cover the partnership madlibs of the week, Hilton with Explora cruises, Japan Airlines with Marriott Bonvoy, and Air Canada Aeroplan with World of Hyatt, and what each is actually worth. We close with a genuinely useful one, Wyndham doubling its Caesars transfer limit to 60,000 points through September 11th, which is a great way to rescue points before Wyndham's brutal four year expiration hits. Let us know in the comments if a better headrest would get you to fly economy. Episode Guide: 0:00 Welcome to MTM Travel 1:10 Hilton x Explora Cruises 4:35 Delta's New Basic First Class 6:47 United's Genius Empty Middle Seat 11:02 The Emirates Headrest That Fixes Economy 15:14 Japan Airlines x Marriott Bonvoy 17:00 Why Economy Is the Real Sweet Spot 20:42 Air Canada Aeroplan x World of Hyatt 23:45 Wyndham Doubles the Caesars Transfer 26:30 Final Thoughts Links Wyndham expiration - https://travelwithgrant.boardingarea.com/2026/06/25/how-to-find-out-when-all-of-your-wyndham-rewards-points-expire/ Hilton cruises - https://milestomemories.com/hilton-honors-launches-explora-journeys-partnership/ United's blocked middle - https://www.united.com/en/us/newsroom/announcements/cision-125474 Emirates headrest - https://onemileatatime.com/news/emirates-u-dream-headrest-economy/ JAL/Marriott - https://milestomemories.com/marriott-bonvoy-japan-airlines-partnership/ Hyatt/Aeroplan - https://milestomemories.com/world-of-hyatt-and-air-canada-aeroplan-launch-new-partnership/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Get 3 free months of Audible - https://milestomemories.com/audible-subscription-offer-2/ The AA glitch is over. American clawed back the 25,000 miles from that AAdvantage Business promo code, reversing transfers and apologizing with 5,000 miles, and we make the case that they actually handled it well, which is more than we can say for hotels that walk you or open late with a shrug. Speaking of, we get into why Hyatt stopped offering real compensation on delayed hotel openings and what they should be doing instead. Amex is also tightening things up, changing the terms on the streaming credit so bundles like Peacock with Apple TV Plus no longer count, and linking multiple logins on the back end so you can no longer use separate accounts to see different Amex Offers. We reminisce about the golden era of Amex Offers, the Staples and Smart and Final days, and the offers that were worth flying across the country for. Plus Olive Garden's Unlimited Pasta Pass is back for the first time since 2020, still $100 but now good for 13 weeks, with only 10,000 available. We close with our buddy Travel with Grant's wallet simplification article and admit none of us are actually simplifying anything. Let us know in the comments if you got the pasta pass. Episode Guide: 0:00 Welcome to MTM Travel 0:18 Canadian Wildfire Smoke & That Train Video 5:02 AA Claws Back the 25,000 Miles 8:11 Why Hyatt Stopped Compensating You 9:43 The Pasta Pass Returns 12:40 Amex Tightens the Streaming Credit 14:01 The Subscription Mess (& Rocket Money) 16:11 Amex Links Your Multiple Logins 18:11 The Golden Age of Amex Offers 20:35 Can Anyone Actually Simplify Their Wallet? 24:20 Final Thoughts Links Pasta pass - https://milestomemories.com/olive-garden-never-ending-pasta-pass/ Amex streaming - https://milestomemories.com/amex-platinum-tightens-digital-entertainment-credit-rules/ Amex logins - https://milestomemories.com/american-express-can-now-see-across-multiple-logins/ Simplify your wallet - https://travelwithgrant.boardingarea.com/2026/07/12/one-year-later-an-update-to-our-simplified-wallet-strategy-for-2026/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Get 3 free months of Audible - https://milestomemories.com/audible-subscription-offer-2/ Mark is taking his son to Japan on points, so we walk through exactly how he booked it, snagging American Airlines business class from Detroit through Dallas to Tokyo for 100,000 miles a person, why he locked it in even though it is not the rock bottom price, and his plan to fly Delta One home from Seoul nonstop for 140,000 SkyMiles. It turns into a bigger conversation about how the burn side of miles and points has gotten harder and less fun, and why getting the trip you want now can beat holding out for the perfect saver award. On the news side, there is an excellent Audible deal with three free months plus a $20 credit for Prime members, another two Hyatt hotels dropping suite upgrade awards, and Hyatt dressing up an old 13 month booking window as a shiny new elite benefit. Then we react to a great Benji article full of points assumptions worth rethinking, from not needing to be a credit card travel protection expert, to skipping mediocre free breakfast, to whether tracking every tiny bonus is actually worth your time, and the classic debate of booking flights first versus hotels first. Let us know in the comments whether you are team flights or team hotels, and drop any Japan tips for Mark. Episode Guide: 0:00 What's Coming Up 1:35 Why Japan? A 16th Birthday Bucket List Trip 2:59 How We Booked 100K Business Class to Tokyo 6:02 Flying Delta One Home From Seoul 8:58 A Great Audible Deal (3 Free Months + $20) 9:59 Hyatt Drops More Suite Upgrade Hotels 11:41 Hyatt's "New" 13-Month Booking Benefit 14:07 Do You Need to Master Card Travel Protections? 16:53 Skip the Free Breakfast? 19:27 Are You Wasting Time Tracking Points? 23:41 Book Flights First or Hotels First? 29:30 Final Thoughts Links Sign-up for Rakuten! (referral) - http://milestomemories.com/go/rakuten Hyatt upgrade certs - https://milestomemories.com/hyatt-expands-list-of-hotels-that-dont-accept-suite-upgrade-awards/ Hyatt 13 month benefit - https://milestomemories.com/hyatt-early-award-access-for-elites-and-cardholders/ Points assumptions - https://milestomemories.com/travel-and-points-assumptions/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Sign-up for Rakuten! (referral) - http://milestomemories.com/go/rakuten American Airlines appears to have a coding error letting existing AAdvantage Business account holders add a promo code in settings and instantly get 25,000 miles, and we get into whether AA claws it back. Mark walks through three retention offer results, including an insulting 6,000 Hilton point offer on the Surpass, a $99 credit that saved his Citi AAdvantage business card at exactly the right moment, and no save attempt at all on the Executive card. We also cover Amex randomly handing out $50 Saks credits after killing that benefit, the Rakuten credit card offers that can stack over 75,000 Bilt points, and Mark's Charles Schwab Platinum timing now that Delta and United dropped off the airline incidental credit. Plus, Benji wants an apology. Let us know in the comments if you got your 25,000 miles. Episode Guide: 0:00 Welcome to MTM Travel 0:39 AA's 25,000 Mile Coding Error 5:16 Retention Offers 101 5:51 Amex's Insulting Surpass Offer 10:29 Citi AAdvantage Business: A $99 Save 11:42 No Save on the Executive Card 13:28 Amex's Random $50 Saks Credits 16:12 Rakuten's Credit Card Offers (75K Bilt) 19:20 Bank of America Approvals & Schwab Platinum 23:20 Benjy Wants an Apology 24:57 Final Thoughts Links Sign-up for Rakuten! (referral) - http://milestomemories.com/go/rakuten ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Want to work with us? Reach out! inquiries at milestomemories dot com  A packed miles and points Tuesday after a big 250th weekend. We start with a wild Delta seat someone scored on a former Lion Air 737 that looks narrower than anything you have flown, which leads into a fun talk about backward facing seats, the death of SeatGuru, and how to avoid the worst seats on the plane. On the news side, Amex transfer bonuses are back, with 30 percent to Virgin Atlantic through the end of July and 20 percent to Hilton through July 14th. Then we get into Benjy's genuinely sad United first class meal, a banana and Kellogg's cornflakes on a flight over 1,500 miles, and why you should never book domestic first for the food, plus our favorite drink and flight attendant hacks. We break down TSA touchless ID now that it is on Google Wallet, why the line moves fast, the frustrating catch that minors cannot use it, and how mobile passport control makes coming back into the country painless. We close with how Mark pulled 350,000 Delta miles and a companion pass out of a single Delta Reserve card, and the tricky question of how to actually value a companion pass. Let us know in the comments about the worst seat and worst meal you have had lately. Episode Guide: 0:00 Welcome to MTM Travel 0:23 Our Small-Town 4th of July 2:32 The World Cup & Discovering America 4:51 Delta's Worst Seat 8:01 SeatGuru Is Dead: Avoiding Bad Seats 9:56 Amex Transfer Bonuses Are Back 12:45 United's Sad First Class Meal 16:47 International vs Domestic Food & Drink Hacks 19:19 TSA Touchless ID Explained 22:32 Mobile Passport & Faster Customs 24:47 Valuing the Delta Companion Pass 29:41 Final Thoughts Links Delta seat - https://x.com/itripreport/status/2072741231243694307?s=46 Amex bonuses - https://milestomemories.com/new-amex-transfer-bonuses-30-to-virgin-atlantic-20-to-hilton/ United breakfast - https://milestomemories.com/united-inflight-meal/ TSA Touchless - https://milestomemories.com/tsa-and-google-wallet-launch-new-tsa-precheck-touchless-id-option/ ✈️ Track your travel credit cards for free

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Want to work with us? Reach out! inquiries at milestomemories dot com  Chase quietly cut Pay Yourself Back on the Sapphire Reserve again, dropping the bonus from 25 percent more to 20 percent, and we get into why they keep chipping away at it. Wyndham refreshed its entire card lineup, now four cards deep, headlined by a new $395 premium card with a 120,000 point welcome offer, a never expire points perk, and enough credits to offset the fee for the right person. We break down the new Q3 Chase bonus spending offers worth checking, Wyndham's award chart shakeup adding a new 45,000 point top tier on September 15th, and the real world fallout from Hyatt's category changes, including a category 3 hotel in New Orleans pricing higher than a category 4 one block away. It all adds up to why free night certificates might be more valuable than ever. Let us know in the comments what you are doing for the 4th and whether Chase is getting too nickel and dime. Episode Guide: 0:00 Welcome to MTM Travel 0:24 July 4th, Gas Prices & The EV Debate 3:52 Chase Q3 Bonus Offers Are Live 6:15 Chase Cuts Pay Yourself Back 10:15 Wyndham's New Card Lineup 14:22 Wyndham Award Chart Changes (New 45K Tier) 18:17 Hyatt Chaos: Cat 3 Costs More Than Cat 4 21:30 Is Hyatt Pricing by Demand Now? 24:47 Final Thoughts Links Chase spending offers - https://milestomemories.com/chase-my-bonus-quarterly-spending-offers/ Pay Yourself Back cuts - https://milestomemories.com/pay-yourself-back-devaluation/ Wyndham new card - https://milestomemories.com/refreshed-wyndham-card-portfolio-plus-new-premium-card/ Wyndham new tier - https://milestomemories.com/wyndham-rewards-will-add-new-redemption-tier/ Hyatt category chaos - https://milestomemories.com/hyatt-categories-no-longer-matter/ ✈️ Track your travel credit cards for free

Xero chief executive Sukhinder Singh Cassidy joins Peter Switzer to argue the market's AI sell-off has lumped the wrong companies together. She walks through Xero's latest result (close to NZ$2.7 billion in revenue, growing north of 30% with profit up 18%), why she sees Xero as AI-forward rather than AI-threatened, and what happened when she asked Claude to rebuild Xero from scratch. She also makes the case for the Melio acquisition, Xero's push into bill payments, and how a number-two brand keeps winning share against Intuit in the United States.

Get $200 after making your first $500 payment with Melio! (affiliate) https://www.milestomemories.com/go/melio Episode Description Hyatt's award chart changes are arriving, so Shawn and Mark talk through the last-minute bookings that made sense, the ones they skipped and why hotel credits have changed the way they use Hyatt points. They also break down a clean example of partner award pricing: the same American Airlines flight priced at 54K Avios, 36K American miles and 18K Alaska miles. Then they look at Hilton free night certificates at all-inclusive properties, including the growing SLH options and the downside of possible extra charges for kids. Finally, Mark recaps his completed New York City pub crawl from Central Park to FiDi, with stops at Bryant Park, Moxy, Pub Key, Nancy's Whiskey Pub, White Horse Tavern and The Dead Rabbit. Episode Guide 0:00 Welcome to MTM Travel 1:03 Hyatt's last call before award chart changes 8:08 Same flight, three different award prices 13:01 Hilton free night certificates at all-inclusives 17:26 Mark finally finishes the NYC pub crawl 20:19 Rooftops, local bars and Flatiron cocktails 23:34 Greenwich, SoHo and the crawl strategy 27:05 Tribeca whiskey bars and FiDi favorites 30:20 Dead Rabbit, inKind and final takeaways

Get $200 cashback after your first $500 payment with Melio! (sponsored) - https://www.milestomemories.com/go/melio A viral Rio elevator video turned into one of those Vegas nightmare stories everyone has imagined. In this episode we also cover Allegiant buying Sun Country, Omnia Dayclub opening at Caesars Palace, bad AI Vegas maps, Circa's Slotapalooza, Resorts World comps and Vegas adding even more sports. What we cover: 17 people trapped in a Rio Las Vegas elevator Omnia Dayclub opening at Caesars Palace during EDC weekend Allegiant completing its Sun Country acquisition Mandalay Bay's huge two-bedroom panoramic suite Circa's Murphy bed rooms and Slotapalooza return Resorts World, MGM and Caesars summer comp offers AI Vegas maps that get almost everything wrong Women's pro hockey expansion reportedly coming to Las Vegas Episode Guide: 0:00 Four Queens leg cup cold open 0:33 Rio elevator nightmare goes viral 3:23 EDC weekend and Omnia Dayclub opening 4:59 Allegiant buys Sun Country 7:02 Mandalay Bay panoramic suite tour 7:52 Circa Murphy beds make too much sense 9:28 Circa Slotapalooza returns downtown 10:40 Mark's new Resorts World comps 11:50 MGM and Caesars summer comp offers 12:37 Bad AI Vegas maps 14:19 Women's pro hockey coming to Vegas Links: Las Vegas Advisor membership — https://www.lasvegasadvisor.com/shop/products/lva-membership-platinum/?ref=MTM MTM Vegas YouTube — https://www.youtube.com/@mtmvegas MTM Vegas podcast — https://podcasts.apple.com/us/podcast/mtm-vegas-fun-interesting-absurd-sides-of-vegas/id1574194686 MTM Vegas Patreon — https://www.patreon.com/cw/MtMVegas MTM Vegas newsletter — https://milestomemories.us3.list-manage.com/subscribe?u=39c6737d725a04fea73324680&id=1e73edd8c8 MTM Vegas merch — https://mtmvegas.shop Rio elevator - https://x.com/lasvegaslocally/status/2054829995118530709?s=46&t=B9kWNUIY21TRZnc8tXrfRQ Four Queens cup - https://x.com/4QueensLV/status/2054690765649969649 Omnia tour - https://x.com/m6drop/status/2054409172964540750?s=46 MB suite - https://x.com/kerrybilicki/status/2050648934041972797?s=46&t=B9kWNUIY21TRZnc8tXrfRQ Murphy Bed - https://x.com/kerrybilicki/status/2053201863974293724?s=46&t=B9kWNUIY21TRZnc8tXrfRQ Slotapalooza - https://www.circalasvegas.com/slotapalooza/ Maps - https://x.com/stripstumble/status/2054306011004150001?s=46  https://x.com/StripStumble/status/2053833743870345455?s=20 PWHL - https://www.thepwhl.com/en/news/2026/may/13/professional-women-s-hockey-league-expands-to-las-vegas-and-hamilton-ontario-with-2026-27-season-debut

We Like Shooting - Ep 662 This episode of We Like Shooting is brought to you by: Midwest Industries (Code: WLSISLIFE) Die Free Co. (Code: WLSISLIFE) Bowers Group (Code: WLS) Otis Technology (Code: WELIKESHOOTING15) Flatline Fiber Co (Code: WLS15) Text Dear WLS or Reviews +1 743 500 2171  Public   Show Titles   GOA GOALS Aug 1-2 in Iowa. https://goals.goa.org/ GunCon.net Tickets on sale now. Use code AGENCY171 GEAR CHAT [XTech Tactical] LDR2000 B1 The LDR2000 B1 is a magazine speed loader designed specifically for the Smith & Wesson Bodyguard 2.0 .380 ACP micro-compact pistol, addressing the stiff single-stack magazines' loading difficulties by making the process faster, easier, and thumb-friendly. It slips easily over factory or aftermarket .380 magazines, allowing users to load rounds smoothly with minimal effort using just a finger and thumb, while protecting magazine feed lips, preventing ammunition damage, and reducing hand strain. Key features include loading magazines in 30 seconds or less, compact and lightweight design for easy carrying, durable injection molded polymer construction, and a utility patent pending. [Mitchell Defense] DualCool CP1 Handguard (Nick) The DualCool™ CP1 Handguard is the first 3D-printed, dual-layer AR-15 handguard engineered for extreme thermal control, built with CP1 alloy and featuring an air-gap core that slows heat transfer to keep the outer shell cool longer and cooling faster between shots. It includes integrated grip texture 3D-printed into the alloy for maximum control without compromising M-LOK or Picatinny function, along with reinforced M-LOK slots and a full-length Picatinny top rail.0 BULLET POINTS PSA: You absolutely can get your EFT from those “services.” (Nick)   Note (Nick) Match Recap GUNDERWEAR Concealed Carry Underwear GUNDERWEAR is a patented underwear product designed to improve comfort for concealed carry, particularly appendix carry, by integrating padding as a barrier between the body and gun/holster. Developed by Tyler Abadie, it prevents rubbing, stabbing, and irritation during prolonged wear in activities like security work, driving, and daily tasks. Available for men and women, it has received positive feedback from civilians and professionals in law enforcement and military. GUN FIGHTS No one stepped into the arena this week. WLS IS LIFESTYLE Imported Story https://www.instagram.com/reel/DYHcS-OuFv1/?igsh=bjJhank2dG02dHJw GOING BALLISTIC Bergmann-Schoch v. Davenport: New Jersey's Hollow-Point Ammunition Ban Challenged Under Second Amendment A lawsuit in New Jersey challenges the state's prohibition on hollow-point ammunition as unconstitutional under the Second Amendment. Plaintiffs argue the ban creates a Catch-22 by allowing only full metal jacket rounds while denying the right to ‘military arms.' The state's motion to dismiss is rebutted, dismissing historical analogies as rooted in racial prejudice. Hawaii Legislature Adjourns Sine Die: Defeat of Anti-Gun Bills HB2062, SB2503, SB2517, SB2575, SB2576, SB2720 The Hawaii State Legislature adjourned sine die on May 8, 2026, resulting in the defeat of several anti-gun bills aimed at expanding red flag laws, funding gun buybacks, elevating penalties, broadening prohibited persons lists, and creating a firearm injury restitution fund. These measures raised due process concerns by potentially suspending Second Amendment rights via civil proceedings and imposing felony penalties without full evidentiary hearings. NRA-ILA credits NRA members and supporters for contacting lawmakers to secure this victory. NBC News Report on Kyle Rittenhouse Spider Bite (Kenosha, Wisconsin Case) NBC News tweeted about Kyle Rittenhouse's hospitalization from a venomous spider bite, framing his 2020 Kenosha, Wisconsin self-defense shootings as ‘opening fire at a 2020 civil rights rally.' The Bearing Arms article criticizes this as biased misrepresentation, omitting the riot context and Rittenhouse's acquittal on self-defense grounds. It argues this exemplifies media disinformation against gun owners and Second Amendment supporters. Mississippi DeSoto County Billboard: ‘Firing Squad Is Legal. Think Twice' A billboard in DeSoto County, Mississippi, next to I-55 warns would-be criminals that ‘Firing Squad Is Legal. Think Twice.' DeSoto County District Attorney Matthew Barton states it promotes aggressive prosecution of violent criminals entering the state. The message emphasizes that Mississippi does not coddle violent crime and firing squad executions are legal there. Harmeet Dhillon: The Term ‘Assault Weapons' Is ‘Just a Made-Up Category' Harmeet Dhillon describes ‘assault weapons' as a made-up category and epithet applied to effective and popular firearms like the AR-15. The term originated from Democrats in the 1990s for a federal ban from 1994 to 2004, which a study found did not reduce gun crime or violence lethality. Discussion references national federal policy and Denver's local ban. United Gun Shop v. Capital One and Melio (Maryland) United Gun Shop, a Maryland FFL gun dealer, filed a lawsuit against Capital One and Melio after being denied access to Capital One's bill-paying service, citing the business as a ‘restricted industry.' Payments worked from December 2024 until March 2025, followed by deplatforming and formal denial in March 2026. The suit invokes President Trump's August 2025 Executive Order ‘Guaranteeing Fair Banking for All Americans,' addressing discrimination against lawful firearm businesses. REVIEWS Review: A in your face 5 squares. I disagree what a lot of what they say, but damnit if I also dont find myself agreeing with a lot of what they say. Always entertaining, rarely boring, definitely infuriating – especially when Aaron digs in on something. And one of the few places where the advertisers are actually vetted, with actual use experience reviews, and honesty when things go down. Review: FedsRGay 5 stars. A sad sack Jew, a retard with anger issues, a man with a blownout Anus, a communist thumb and their slightly weird uncle from Colorado walk into a podcast studio. This is not a joke about the special Olympic's or the Democratic Party! This is the cast of the number one rated gun podcast on the firearms radio network! This dumpster fire is wildly entertaining and sometimes even educational. Occasionally they have cool sponsors on the show that seem slightly less retardy. Quality entertainment overall. I give it a solid 5 squares. PS: Jeremey is not a cunt. But AA ron is. PPS: I wrote this review once before but baguettes on iTunes didn't publish it. PPPS: no notes PPPPS: I love you guys, say it back Review: Anonymous Coward from Wisconsin I left a review Before we let you go – JOIN GUN OWNERS OF AMERICA We'd love if you supported the show, join Agency 171 at agency171.com. Lot's of prizes, rewards and kick ass swag. No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember – Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time! Nick – @busbuiltsystems | Bus Built Systems Jeremy – @ret_actual | Rivers Edge Tactical Aaron – @machinegun_moses Savage – @savage1r Shawn – @dangerousfreedomyt | @camorado.cam | Camorado

Get $200 after making your first $500 payment with Melio! (affiliate) https://www.milestomemories.com/go/melio Spirit Airlines is gone, and even travelers who avoided Spirit may feel it in their wallets. Shawn and Mark talk through the fallout for cheap flights, the JetBlue and Frontier merger mess, and why low-cost carriers have such a hard time making the model work in the U.S. They also get into JetBlue's pricing lawsuit, data tracking worries, a robot that bought its own Southwest seat, and the cheap travel items that actually earn space in the bag. Yes, that includes Benji's forever stamp. What we cover: Spirit Airlines disappearing and what it means for airfare Why JetBlue, Frontier and Spirit all ended up tied together in this story The difference between Ryanair, Allegiant and the U.S. low-cost model JetBlue's lawsuit over pricing, cookies and tracking claims Whether airline pricing algorithms and shared pricing data hurt consumers A robot flying Southwest with its own seat Cheap and free travel items worth packing, from plastic bags to backup headphones Episode Guide: 0:00 - Welcome to MTM Travel 0:20 - Spirit Airlines disappears 3:06 - The JetBlue and Frontier merger fallout 5:02 - Why U.S. low-cost carriers struggle 7:45 - What losing Spirit means for fares 10:38 - Low-cost carriers need a new plan 12:30 - JetBlue lawsuit and pricing tracking claims 15:47 - A robot gets its own Southwest seat 17:06 - Cheap and free travel items worth packing 21:00 - The travel gear we actually keep packed 24:10 - Freebies, bottle openers and fancy hotel pens Track your travel credit cards for free Free newsletter Join our free Facebook group Diamond Patreon - bonus shows + Slack community Gold Membership Subscribe on Apple Podcasts Miles to Memories website

In the latest episode of Executive Function, Brett is joined by Diya Jolly, Chief Product and Technology Officer at Xero. Before Xero, Diya was CPT at Okta and led YouTube's advertising monetization products at Google. In this conversation, she unpacks her three-bucket framework for delegating decisions, why the most important part of a CPO's role is to drive team-wide ambition, and why the best executives need to spend half their time thinking, not doing. In today's episode, we discuss: Why a CPO's number one job is raising their team's ambition, not shipping features How to demand the best from your team without creating a fear-based culture Why organizational politics is actually an incentives problem How Diya is “militant” with her calendar to carve out dedicated thinking time Why you should avoid chasing titles in your career - and what to chase instead References: Google: https://www.google.com Melio: https://meliopayments.com Okta: https://www.okta.com Sukhinder Singh Cassidy: https://www.linkedin.com/in/sukhinders/ Xero: https://www.xero.com Where to find Diya: LinkedIn: https://www.linkedin.com/in/diyajolly Where to find Brett: LinkedIn: https://www.linkedin.com/in/brett-berson-9986094/ Twitter/X: https://twitter.com/brettberson Where to find First Round Capital: Website: https://firstround.com/ First Round Review: https://review.firstround.com/ Twitter/X: https://twitter.com/firstround YouTube: https://www.youtube.com/@FirstRoundCapital This podcast on all platforms: https://review.firstround.com/podcast Timestamps: 00:12 How an excellent CPO makes an impact on the business 02:01 How the CPO role shifts under founders vs hired CEOs 03:38 Influencing a founder without going deferential 07:37 How adding value to customers is always a net positive 08:45 Why roadmaps need more risk in the AI era 12:30 How to shelter innovation teams from the existing system 15:12 What's different about being a great CPO in 2026 17:34 How AI has changed the concept of an app 18:28 It's essential for CPOs to fly at a low altitude 20:34 How misaligned incentives cause organizational politics 25:13 Being demanding without creating a fear-based culture 28:10 Why raising ambition is a CPO's number one job 31:39 The boss who taught Diya to keep raising the bar 32:43 The hardest part of being a CPO 35:28 The three buckets Diya uses to delegate 36:30 How Diya protects deep-work time on her calendar 42:45 Xero's game-changing early bet on AI insights 44:58 How far into the future should CPOs plan for? 47:14 What it takes to be an excellent C-suite member 48:53 Why ambitious PMs should chase impact, not titles 50:28 The four bottlenecks that stall career growth

In today's episode, we'll talk about Amex Platinum shutting down paths for earning Delta airline fee credits, Google Hotels adding price drop alerts, and all the many paths that still exist for free cruises in 2026.Main Event: Cruising for freeGiant Mailbag(01:07) - Greg gets corrected about Bilt point accelerator vs Rent Day...Crazy Thing: Capital One Shopping(03:27) - Capital One brings Gmail to a crawlRead more about the unfortunate Capital One slow gmail issue hereBonvoyed: Amex Airline Fee Reimbursements(08:48) - Delta tricks are deadRead our resource for Amex airline fee credits and what still worksAwards, Points, and More(13:15) - Google Hotels adds price tracking(17:02) - Melio (pay bills with credit card)Learn more about Melio here(19:01) - Chase Travel℠ Points Boost increased to 2.5cpp for a few select propertiesRead more about Chase Travel℠ Points Boost increase here(21:21) - Guide to booking Preferred Hotels with points (Updated)Find our updated resource for booking Preferred Hotels online here(25:24) - Tools for finding point-bookable events (auctions and buy it now)Visit the discover tools Pointsevents.com and Pointauctions.comMain Event: Cruising for free(29:33) - Learn more about cruising for free in 2026 here(30:44) - There are three main options for free cruises in 2026(31:08) - Land-based casino loyalty programs & matches(36:26) - Why do casino elite statuses matter for free cruises?(49:00) - Cruise line direct match opportunities for “free” cruises(1:07:09) - Gambling on board might yield a free cruiseSubscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Visit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast Network

Get $200 back after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Mark made nearly $6,000 from bank bonuses in 2025, American is giving away 100,000 miles, and Alaska is making a big move with Hawaiian's credit cards. We also break down a sneaky-good Hilton Amex offer, how annual fee refunds actually work, and whether Chase's new Edit Hotels redemption bump is worth your points. What we cover:  Mark's 2025 bank bonus haul and whether it was worth the hassle  -American Airlines' 100,000-mile centennial sweepstakes -Alaska keeping the Hawaiian brand while moving cards to Bank of America -A targeted Hilton Amex offer that can stack into strong return  -How annual fee refunds and downgrades work by bank  -Chase Sapphire Reserve redemptions at Edit Hotels for 2.5 cents per point Links: Free newsletter Track your travel credit cards for free with Travel Freely Miles to Memories Facebook group Diamond Patreon and Gold Membership MTM Travel podcast Miles to Memories website Bank bonus results - https://milestomemories.com/bank-account-bonus-results/ 2.5X Chase Edit - https://milestomemories.com/new-2-5x-points-boost-at-select-the-edit-hotels/ Annual fee refund rules - https://milestomemories.com/credit-card-issuer-annual-fee-rules/ Hilton Amex offer - https://milestomemories.com/amex-offers-for-bonus-hilton-points/ Alaska cards - https://news.alaskaair.com/company/alaska-air-group-and-bank-of-america-expand-partnership/ AA giveaway - https://aa100sweeps.com/ Episode Guide 0:00 - Welcome to MTM Travel 4:10 - Mark's $6,000 in bank bonuses 10:00 - American Airlines 100,000-mile sweepstakes 13:06 - Alaska keeps Hawaiian and shifts cards to Bank of America 17:01 - Targeted Hilton Amex offer math 19:37 - Annual fee refund rules by bank 21:53 - Chase Edit Hotels at 2.5 cents per point 26:15 - Best bank bonus ever? Let us know Advertiser Disclosure: This site/channel is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site/channel (including, for example, the order in which they appear). This site does not include all financial companies or all available financial offers.

Get $200 back after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Higher award fees, less lounge access, and one pretty wild new way to sleep on a plane. In this episode of MTM Travel, Shawn and Mark talk through Air New Zealand's new SkyNest bunk beds, Virgin Atlantic's uglier award surcharges, American cutting more basic economy benefits, Spirit's possible liquidation, and United tightening access to Polaris lounges. What we cover: Shawn's Minneapolis meetup recap and Hyatt Centric stay The Fairmont Bermuda / Accor points reimbursement follow-up Air New Zealand's SkyNest bunk beds and whether they beat business class for sleep Virgin Atlantic's higher award fees and why the value keeps slipping American removing more elite perks from basic economy Spirit's possible liquidation and what it could mean for fares United restricting Polaris lounge access for many Star Alliance partners Links: Free newsletter Track your travel credit cards for free with Travel Freely Miles to Memories Facebook group Diamond Patreon and Gold Membership MTM Travel podcast Miles to Memories website Fairmont follow up - https://milestomemories.com/fairmont-hamilton-princess-billing-error/ Skynest - https://milestomemories.com/air-new-zealand-skynest-economy-beds/ Virgin hikes - https://milestomemories.com/virgin-atlantic-just-hiked-award-fees-again/ AA basic economy changes - https://milestomemories.com/american-removes-elite-benefits-in-basic-economy/ United Polaris access changes - https://milestomemories.com/united-restricts-polaris-lounge-access-for-star-alliance-partners/ Episode Guide 0:00 Welcome to MTM Travel 4:54 Fairmont Bermuda and the Accor points refund mess 8:47 Air New Zealand's SkyNest bunk beds 13:30 Virgin Atlantic award fees jump again 16:59 Using Virgin points for AMC popcorn and drinks 18:46 American removes more basic economy elite perks 20:04 Spirit may liquidate and fares could get worse 23:04 United restricts Polaris lounge access for partner flyers What do you think about Air New Zealand's bunk-bed idea? Would you pay extra for four hours of real sleep, or would you still rather have a traditional business class seat? Advertiser Disclosure: This site/channel is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site/channel (including, for example, the order in which they appear). This site does not include all financial companies or all available financial offers.

In this episode of the 18Forty Podcast, we talk to Michael Eisenberg—a venture capitalist and Torah scholar—about the state of the Jewish People in Israel and the diaspora. In this episode we discuss:—What lies ahead for the Jewish People amid the war with Iran?—What can Israel and America teach one another about Jewish innovation?—What should be the religious vision for “secular” Jews in Israel?Tune in to hear a conversation about where we hope to go together, and how we can get there.Interview begins at 6:13.Michael Eisenberg is Co-Founder and General Partner at Aleph, an early-stage venture capital fund managing $850 million, where he has spent over 25 years partnering with Israeli entrepreneurs to build impactful global companies; since 2013, Aleph has invested in more than 50 startups, including Melio, Lemonade (NYSE: LMND), Bringg, JoyTunes, and Healthy.io. He writes the blog Six Kids and a Full Time Job and contributes to Calcalist and TheMarker, is the author of The Hummus Manifesto and five Hebrew books, and frequently lectures on venture capital, Israel, and entrepreneurship. He serves on the boards of Yeshivat Har Etzion and The Shomer Hachadash, and lives in Jerusalem with his wife and eight children.References:The Vanishing Jew: A Wake-Up Call From the Book of Esther by Michael EisenbergThe Tree of Life and Prosperity: 21st Century Business Principles from the Book of Genesis by Michael EisenbergMeshekh Chokhmah, BekhukotaiFor more 18Forty:NEWSLETTER: 18forty.org/joinCALL: (212) 582-1840EMAIL: info@18forty.orgWEBSITE: 18forty.orgIG: @18fortyX: @18_fortyWhatsApp: join hereBecome a supporter of this podcast: https://www.spreaker.com/podcast/18forty-podcast--4344730/support.

Get $200 back after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Chase Pay Yourself Back hasn't gotten better, but the transfer options around it may have gotten worse, which suddenly makes it worth a fresh look. In this episode, Shawn and Mark also break down Wells Fargo's new Wyndham transfer partner, Mark's $8,120 annual fee strategy, Bilt Cash redemption issues, and JetBlue's refreshed premium card. In This Episode: Why Chase Pay Yourself Back may now compete with transfer partners How Wells Fargo's new 2:1 Wyndham transfer can create outsized value Why Mark still pays more than $8,000 a year in annual fees Bilt Cash Walgreens gift card problems and a possible workaround Whether JetBlue's premium card refresh finally makes the card compelling Episode Guide 0:00 Welcome to MTM Travel 0:52 Why Chase Pay Yourself Back matters again 6:41 Wells Fargo adds Wyndham at 2:1 10:16 Melio $200 cashback offer 11:15 Why Mark pays $8,120 in annual fees 19:23 Built Cash Walgreens redemption issues 22:01 JetBlue premium card refresh Links: Track your travel credit cards for free Patreon (bonus shows + Slack community) Newsletter Free Facebook group Watch on YouTube Apple Podcasts milestomemories.com Advertiser Disclosure: This site/channel is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site/channel (including, for example, the order in which they appear). This site does not include all financial companies or all available financial offers.

Amex had a busy week, and not in a calm way. The new referral rules are actually better for a lot of people, the Delta incidental-credit workaround looks shakier by the day, and there are a couple easy cash offers worth grabbing if you move fast. Shawn and Mark also dig into the rumor that Amex may be loosening its five-card limit, which would be a bigger shift than it sounds. In This Episode: Quick Bermuda follow-up and why the island still feels overlooked Amex referral changes, reset rules, and why many people come out ahead Delta Amex incidental credit loopholes possibly shutting down Spruce $100 signup bonus and how the referral stacking works Melio $200 business-payment offer and where it can make sense Rumor that Amex may be moving beyond the hard five-card credit-card limit Episode Guide: 0:00 Welcome to MTM Travel 0:20 Bermuda Follow-Up and Why It Still Matters 3:17 Amex Referral Rules Reset 6:57 Delta Amex Incidental Credit Loopholes 12:17 Spruce $100 Signup Bonus 14:54 Melio $200 Business Offer 19:28 Amex 5 Card Limit Rumor 24:37 Wrap-Up and Viewer Questions Key Links: Amex refer - https://milestomemories.com/amex-refer-a-friend-limits/ Delta credit - https://milestomemories.com/delayed-amex-airline-incidental-credits/ Spruce Money - https://milestomemories.com/spruce-money-offering-100-signup-bonus/ Melio explained - https://milestomemories.com/200-melio-new-member-offer/ Amex 5 rule - https://dannydealguru.com/american-express-5-card-limit/

Get $200 back after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Mark's spring break Bermuda trip had it all: JFK security chaos at 4am, a flight that had to turn around twice in high winds before making it to the island, a $850-a-night Fairmont room that looked like it hadn't been touched since the '70s, and then — finally — the Rosewood Bermuda, which might be one of the best hotels either of them has ever stayed at. Full trip debrief with honest hotel reviews, flight booking strategy, and a seriously useful FHR credit tip. What we cover: Spirit Airlines boarding group 2 bag theory — are they skipping the size check? Hyatt Regency Resorts World JFK as a free night cert stopover JFK security chaos at 4am — ICE agents running lanes, only 3 lanes for thousands of people Flight to nowhere: two go-arounds in high winds, back to JFK for 9 hours Fairmont Hamilton Princess: $850/night, room looks like 1978, sawdust falling from the bed posts Royal Naval Dockyards — Frog and Onion, ferry tips, what to do for a day Rosewood Bermuda: top 3 hotel ever, beach club, pink sand, Crystal Caves, complimentary gin tasting FHR tip: two rooms in different names = double $100 credits + double free breakfasts New Fairmont at Horseshoe Bay — $400M renovation, Accor points, watch this one Flight home: DCA lounge agent rebooking saves the family from an overnight stranding Episode Guide: 0:00 - Welcome to MTM Travel 0:22 - Mark's Bermuda trip intro and Spirit Airlines boarding theory 1:08 - Hyatt Regency Resorts World JFK overnight 4:31 - JFK security chaos at 4am 8:56 - Flight to nowhere — two go-arounds, back to JFK 16:04 - Fairmont Hamilton Princess check-in and room review 19:38 - Royal Naval Dockyards and Frog and Onion 20:22 - Rosewood Bermuda — arrival and rooms 23:06 - Beach club, Crystal Caves, Horseshoe Bay 30:22 - FHR tips: two rooms, double credits, double breakfast 32:33 - Flight home and DCA lounge rebooking ✈️ Track your travel credit cards for free

In this episode of the "Ecomm Breakthrough Podcast," host Josh Hadley shares his "essential cash flow playbook" for scaling e-commerce brands without outside capital. He explains how to forecast cash flow, delay payments to suppliers and ad platforms, and strategically use credit cards to extend payment cycles by up to 55 days. Josh details practical tactics, such as rotating credit cards and using services to pay suppliers, to improve cash conversion cycles and avoid debt. He emphasizes the importance of disciplined cash flow management as the foundation for sustainable, rapid business growth.Links and Mentions:Tools and Strategies"Cash Flow Forecasting Spreadsheet": "00:04:53""Credit Card Hack": "00:15:46""Amex Plum Card": "00:20:12"Quotes"Charlie Munger Quote": "00:13:53"Websites"Amazon Advertising Support": "00:16:38"Credit Cards and Financial Tools"Chase Sapphire Reserve for Business": "00:22:46""Amex Gold": "00:22:46""Chase Business Preferred": "00:22:46""Chase Business Premier": "00:22:46""Capital One Spark Cash Plus": "00:22:46"Payment Services"Melio": "00:24:56"Timestamps:00:00:00 Introduction & Episode OverviewJosh introduces the podcast, his background, and previews the main topic: the essential cash flow playbook for e-commerce.00:00:57 The Hidden Strategy Behind Top E-commerce BrandsExplains why cash flow management is the secret to scaling without outside capital, especially for bootstrapped entrepreneurs.00:01:54 The E-commerce Cash Flow ChallengeDiscusses common struggles with cash flow, inventory, and taxes that e-commerce brands face.00:03:50 Personal Cash Flow Crisis StoryJosh shares a personal story about nearly missing payroll and the dangers of taking on debt.00:04:53 The Importance of Cash Flow ForecastingIntroduces the cash flow forecasting spreadsheet as a critical business tool.00:05:56 How the Cash Flow Spreadsheet WorksDescribes how to use the spreadsheet to track inflows, outflows, and anticipate cash shortages.00:07:09 Forecasting Purchase Orders and Launch TimingExplains how to use forecasting to time purchase orders and product launches for optimal cash flow.00:08:08 Spreadsheet Walkthrough: Weekly Cash TrackingStep-by-step example of tracking weekly cash balances, payments, and Amazon disbursements.00:11:04 Identifying Cash Shortfalls and SolutionsShows how the spreadsheet highlights cash shortfalls and introduces strategies to avoid predatory loans.00:12:57 When (and When Not) to Use DebtDiscusses rare scenarios where loans make sense and why most e-commerce brands should avoid debt.00:13:53 The Dangers of Leverage Without Financial SophisticationWarns about the risks of leverage for those without advanced financial modeling skills.00:14:54 Credit Card Hack: Delaying PaymentsIntroduces the credit card hack to delay payments to vendors and ad platforms, extending cash flow.00:16:38 Increasing Amazon Billing ThresholdsExplains how to request higher billing thresholds from Amazon to increase payment float.00:17:34 Paying Ad Charges with Multiple Credit CardsAdvises on using multiple credit cards with staggered statement dates to maximize payment delays.00:18:19 Credit Card Application HackShares a tip for applying for multiple credit cards simultaneously to minimize credit score impact.00:19:08 Optimizing Statement Dates for Maximum FloatDetails how to schedule charges for the start of statement periods to get up to 55 days of float.00:20:12 Amex Plum Card for Extended FloatDescribes using the Amex Plum card for up to 90 days of payment float, with trade-offs.00:21:06 Seasonal Cash Flow Management ExampleShows how to use these strategies during high-spend periods like Q4 to avoid cash crunches.00:21:57 Rotating Credit Cards & Tracking RewardsExplains how to rotate credit cards and track perks, rewards, and statement dates for ongoing float.00:22:46 Recommended Business Credit CardsLists the best credit cards for ad spend, rewards, and payment terms.00:23:54 Paying Suppliers with Credit Cards via Third PartiesExplains using services like Melio or Plastiq to pay suppliers by credit card, even if they prefer wire/ACH.00:24:56 Offsetting Credit Card Fees with Rewards & Tax SavingsBreaks down how credit card fees are offset by rewards and tax deductions, making the strategy cost-neutral.00:28:06 Turning Cash Conversion Cycle NegativeDescribes how combining supplier terms and credit card float can result in a negative cash conversion cycle.00:29:06 Cash Conversion Cycle Levers: Positive & NegativeOutlines actions that improve or worsen cash flow, such as inventory turnover and payment terms.00:31:53 Impact of Credit Card Hack on Cash FlowDemonstrates how implementing the credit card hack increases cash balances and enables faster scaling.00:32:55 Action Steps & Forecasting Best PracticesEncourages listeners to implement forecasting, open multiple credit cards, and track statement dates.00:34:37 Conclusion & Free Resources OfferWraps up with a call to action, offering slides and the cash flow spreadsheet via QR code.Transcript:Josh Hadley 00:00:00  How would you like to be able to delay payments to your suppliers and even like the big advertising platforms like meta, like Google, like Amazon, even TikTok shop by over 55 days without missing a due date or without having your ads turned off. Welcome to the Econ Breakthrough Podcast. I'm Josh Hadley. I've scaled my own e-commerce brand from 0 to 8 figures, and I'm actively building towards nine figures in sales. This podcast is where I document that journey and share the systems, the strategies, and the lessons learned in real time so that you can learn what actually matters and scale your own business. Would you like to know the number one strategy that sits behind some of the best performing e-commerce brands in the entire world? And this is the strategy that actually sits behind the scenes. It's not outwardly visible, but it allows them to scale infinitely and you never know what's sitting behind the scenes. Today, I'm going to be revealing what that number one strategy is and how you can implement it into your own business.Josh Hadley 00:00:57  My name is Josh Hadley. First and foremost, I am a man of faith. I'm a father of four and husband to a beautiful wife. I've been in e-commerce business owner for over ten years now, and also an eight figure business owner doing multi millions of revenue on Amazon, Shopify, TikTok shop and also the host of the number one business strategy podcast for ecommerce entrepreneurs, the E-com Breakthrough Podcast. So today, what is this number one strategy that sits behind the scenes? It's I'm going to show you it's the essential cash flow playbook. And first you're going to be like oh Josh, that's not that's not hot. That's not sexy. Like, this is this isn't like magic. This isn't the number one strategy. Today I'm going to show you why. It truly is ...

In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley shares hard-earned lessons from a cash flow crisis in January 2024, when his business couldn't fund payroll. He explains how this pivotal moment led him to develop a “CEO dashboard” with three essential tools: the Weekly High Five Tracker, a departmental scorecard for leading indicators, and a 52-week cash flow forecast. Josh also reveals advanced credit card strategies to optimize cash flow, emphasizing proactive management, team accountability, and the importance of focusing on activities that drive results for sustainable business growth.Join Josh Hadley on the Ecomm Breakthrough Podcast as he shares his journey scaling an ecommerce business from zero to eight figures. Discover essential business tips for effective business management, including strategies for tracking leading indicators, optimizing cash flow, and understanding key KPIs. This podcast is your guide to significant business growth and success.

Small business cash flow solutions: Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential, interviews Receives' Founder & CEO Ariel Blum and Lithics' Co-Founder & CEO Bo Jiang on earned revenue access for 34M American businesses. How fintech infrastructure provides instant access to sales revenue without loans, solving payment delays and working capital challenges.Legacy banking systems force business owners to wait days or weeks for funds from completed sales, creating cash flow crises that lead 82% of small businesses to struggle with basic operations. Modern fintech companies are solving this through real-time access to earned revenue, flexible payment infrastructure, and strategic partnerships that eliminate artificial delays built into outdated financial systems.This episode of Fintech Confidential, recorded live from the Money Pot at Money 2020 in Las Vegas, breaks down how small businesses can access working capital faster, why traditional lending models fail Main Street America, and what partnerships between fintech innovators actually look like when building compliant, scalable solutions.TAKEAWAYS1️⃣ Pick partners, not vendors.Look for teams that treat your success as their own.2️⃣ Build in parallel, not sequence.Run development and compliance at the same time to cut launch timelines.3️⃣ Get the full customer picture.Visibility into earnings, accounts, and spending drives smarter decisions.4️⃣ Test options before you scale.Come to partners with presets already tested to speed approvals.5️⃣ Prepare for what you cannot see.Stay flexible enough to respond when something unexpected hits.LINKSAriel Blum | Founder and CEO of ReceiveLinkedIn: https://www.linkedin.com/in/arielblum/Bo Jiang | Co-founder and CEO of LithicLinkedIn: https://www.linkedin.com/in/bolingReceiveWebsite: https://www.nowreceive.com/LinkedIn: https://www.linkedin.com/company/nowreceiveLithicWebsite: https://www.lithic.comLinkedIn: https://www.linkedin.com/company/lithicFintech ConfidentialPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSUnder.io – Digitize your PDFs for applications and underwriting. Get started free: https://under.io/ftcDefense (Dfns) - Provides wallets as a service that's API first, multi-chain by design, and secured with MPC fintechconfidential.com/dfsHawk AI – Real-time payment screening, ML transaction monitoring, and dynamic risk rating for fraud prevention: https://gethawkai.comABOUTAriel Blum is the Founder and CEO of Receive. He previously held leadership roles at American Express, Green Dot, and Melio. He built Receive as the first earned revenue access platform for small businesses, helping them unlock cash they have already earned without borrowing.Bo Jiang is the Co-founder and CEO of Lithic. He and his co-founders started building together at age 14 and later...

In today's episode, we discover that not all heroes have capes, some redeem rewards! We learn a trick for extending Southwest flight credits, and we tell all: how we increase our credit card spend.(01:06) - See our podcast episode 197, "13 ways to increase credit card spend" hereGiant Mailbag(01:37) - Mike: We can be heroes...just for one dayListen to our episode about sharing miles and points here(03:58) - Brent: Charitable givingListen to our podcast about rewards from giving hereCard News(09:15) - Bilt quietly removed eBay & Facebook Marketplace as exclusionsRead more about this hereMattress Running the Numbers(10:39) - Bilt Rent Day transfer bonus to AccorAwards, Points, and More(19:21) - Southwest credits are valid for 60 months in some situations(23:22) - JetBlue 25for25 stats(29:16) - Capital One Shopping Home Page Bonus OffersRead more about Capital One Shopping home page bonus offers hereMain Event: How we increase spend to earn big card bonuses(32:55) - See our podcast episode 197, "13 ways to increase credit card spend" here(33:57) - Today, we'll describe the ways we (Nick and I) increase spend in real life(34:15) - About paying fees(37:43) - Pay taxesRead about paying taxes via credit card here(45:23) - Use a service to pay bills that don't ordinarily accept a credit card, like PlastiqLearn more about Plastiq here(52:07) - MelioLearn more about Melio here(53:49) - Fund college savings or pay student loansLearn about miles for college here(1:01:12) - Make loans through KivaLearn about Kiva here(1:03:40) - Pay bills for friends or family(1:07:10) - Fund new bank accountsLearn more about funding a bank account with a credit card here(1:11:52) - Buy and sell merchandiseLearn about buying groups here(1:13:13) - Buy and sell gift cardsLearn about buying and selling gift cards...

Theory meets tarmac. Sushmitha "Sushi" Radhakrishnan runs finance and operations at Birddogs, the men's apparel brand born from a Shark Tank moment that's now selling through Dick's Sporting Goods. She breaks down what cash flow actually looks like when summer—not holidays—is your Super Bowl, tariffs hit mid-growth, and every trend cycle could make or break a season.Key takeaways:Seasonal brands need capital access during revenue troughs, not just peaksMulti-channel operations demand different buying cycles—wholesale plans months ahead while DTC converts in hoursSpeed separates winners in apparel—trends change faster than traditional finance approval loopsSmall teams need executive-level spend control with rapid scalability for growth momentsKey Quotes:Sushi Radhakrishnan [00:14:49]: "Because we are a seasonal business, having access to credit cards like a Brex where we have charge cards—in those situations when we're in our cash flow troughs, having that extra flexibility is really critical to us. There's a six month period where we have to have really good months because that's what funds the business in the lower months."Sushi Radhakrishnan [00:20:28]: "This is my first foray into apparel and selling it online and trends change so quickly. A winning product—it's definitely a very dynamic environment to operate in."Sushi Radhakrishnan [00:18:12]: "We move really fast. Getting that feedback loop shortened is really important when we're managing cash. That's been refreshing with Brex—the support we're getting from a credit card provider. I don't have that same level of one on one service with American Express."Sushi Radhakrishnan [00:23:22]: "People buy apparel based on emotion, not just because they see it come across their Instagram reel. It's really important that we continue to appeal to our buyers in a way that's more than just selling the value prop of our product."Associated Links:Learn more about BrexLearn more about MelioCheck out Future Commerce on YouTubeCheck out Future Commerce Plus for exclusive content and save on merch and printSubscribe to Insiders and The Senses to read more about what we are witnessing in the commerce worldListen to our other episodes of Future CommerceHave any questions or comments about the show? Let us know on futurecommerce.com, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The old retail calendar is dead. Between TikTok virality, celebrity sightings, and ChatGPT-powered discovery, brands face a new reality: commerce runs on culture's clock. Nicole Thomas (Brex) and Anand Mehta (Melio) break down how this shift from predictable peaks to perpetual possibility demands radical financial agility.Key takeaways:Retail shifted from twice-yearly peaks to monthly cultural spikes brands can't predictCash conversion cycle reveals hidden supplier payment leverage beyond inventory optimizationCredit card float extends working capital without compounding traditional loan debtLiquidity separates trend leaders from trend chasers regardless of business sizeKey Quotes:Nicole Thomas [00:06:27]: "Seasonality is kind of taking shape in the way that it's less of like these ebbs and flows maybe twice a year to maybe once a month. If your product goes viral or if a celebrity endorses something, your consumers are now expecting to get those products when they want it."Anand Mehta [00:22:17]: "Costco managed to have a very low, if not negative cash conversion cycle because their store is the warehouse. They've already sold and converted their inventory to cash before they even have to pay it out."Nicole Thomas [00:37:06]: "Commerce is definitely making a big shift to flattening out, but not flattening out enough to where you can actually predict those peaks and valleys. We're definitely shifting from a calendar economy to more of a cultural economy."Anand Mehta [00:32:14]: "This use case of extending cash flow isn't just for businesses who are struggling. If you're a brand that is very liquid, having that cash buffer allows you to be a brand that's jumping in on a trend in the early stages of the trend, not chasing a trend."In-Show Mentions:Learn more about BrexLearn more about MelioCheck out Future Commerce on YouTubeCheck out Future Commerce+ for exclusive content and save on merch and printSubscribe to Insiders and The Senses to read more about what we are witnessing in the commerce worldListen to our other episodes of Future CommerceHave any questions or comments about the show? Let us know on futurecommerce.com, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Cash flow isn't just spreadsheets—it's survival. In an era of tariffs, currency swings, and supply chain whiplash, small businesses face a paradox: grow fast while everything shifts beneath you. Corinne Boonstra (Brex) and Aharon Naveen (Melio) unpack how payment independence becomes the ultimate competitive advantage.Key takeaways:Tariff volatility forces brands to message consumers directly about pricing pressuresSmall businesses gain agility advantage by switching suppliers faster than competitorsPayment independence decouples cash flow from vendor relationship power dynamicsTechnology stacks need finance-novice friendliness, not just CFO sophisticationKey Quotes:Corinne Boonstra [00:08:11]: "Brands are having to reach out to their consumer base to communicate with them why prices are increasing or using that as kind of a pivotal point of, say, buy these goods now while they're this price."Aharon Naveen [00:12:06]: "Switching vendors is complex. It comes with an operational overhead of different net terms, different currency conversions, different shipping time, different payment acceptance."Aharon Naveen [00:19:45]: "Giving the control back to small business, putting them in a position that they can overcome the relationship dynamic or the power dynamic of a new vendor—that is what technology brings to play."Corinne Boonstra [00:23:10]: "These tools need to be able to be leveraged by your CMO, your head of digital, your founder—whoever is ultimately making these decisions might not have an accounting background."Associated Links:Learn more about BrexLearn more about MelioCheck out Future Commerce on YouTubeCheck out Future Commerce+ for exclusive content and save on merch and printSubscribe to Insiders and The Senses to read more about what we are witnessing in the commerce worldListen to our other episodes of Future CommerceHave any questions or comments about the show? Let us know on futurecommerce.com, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

אדם פישר, שותף מנהל בקרן בסמר (Bessemer Venture Partners) ואחד המשקיעים הבולטים בישראל, חושף במפגש נדיר את המתודולוגיה שמאפשרת לו לזהות הצלחות של מיליארדי דולרים בתחילת הדרך, ומה גרם לו להשקיע בסטארט-אפים כמו Wix, Fiverr ו-Melio. בנוסף שוחחנו על השלכות הבינה המלאכותית, מדוע השנתיים האחרונות משכו משקיעים זרים לישראל, ולמה בישראל יזמים סדרתיים חוזרים להקים סטארט-אפ שני ושלישי ומגייסים עשרות מיליונים בסבב סיד (והאם זו בועה). פתיחה והכרות עם אדם פישר - 0:00התפתחות התעשייה הישראלית מ-96' עד היום - 1:23השפעת AI על מודלים עסקיים וחדשנות - 3:21תחרות בין קרנות זרות בשוק הישראלי - 8:24יזמים סדרתיים והתופעה הישראלית הייחודית - 14:26גודל הסבבים וההשקעות הגדולות - 18:00מה מעניין את בסמר בישראל כיום - 22:26תכונות של יזמים מצליחים - 23:01תהליך קבלת החלטות השקעה בבסמר - 29:09דוגמאות מההצלחות הגדולות - ויקס ומיליו - 35:40מה מדליק ומה מדאיג בתעשייה הישראלית - 38:20יוזמת החזרת חוקרים לישראל - 44:40מעורבות בהסברה ופעילות ציבורית - 47:00פילנתרופיה וספורט כאיזון לעסקים - 51:48השראה מספרות והיסטוריה - 54:20עצות למשקיעים צעירים - 56:59התמודדות עם אי-ודאות וקבלת החלטות - 59:06

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Mark returns to recap his Thanksgiving family adventure to London and Paris. From flights to hotels and what to do, he covers his unique perspective on these two iconic cities. Shawn also recaps this weekend's MTM Diamond meetup in San Antonio and the two contemplate whether big family trips are worth it. 0:00 Welcome to MTM Travel 0:24 Disney drinking around the world inflation 6:14 The rush to visit Saudi Arabia? 9:10 The spouse trip - Another side benefit of miles & points 11:50 Mark's upcoming solo trip to the Azores 16:18 1:1 transfer partners - Going to become a thing of the past? 23:17 How to rarn an easy 15K+ 26:00 The dangers of Fintech? Mesa card abruptly shuts down 28:25 What are Fintech cards and how do they differ from traditional credit cards? 32:10 Why does Bilt get so much coverage and are they different? 35:15 The moves towards earning points on mortgages Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Mark returns to recap his Thanksgiving family adventure to London and Paris. From flights to hotels and what to do, he covers his unique perspective on these two iconic cities. Shawn also recaps this weekend's MTM Diamond meetup in San Antonio and the two contemplate whether big family trips are worth it. 0:00 Welcome to MTM Travel 0:32 Recapping the MTM Diamond meetup in San Antonio 4:25 Airline seat picking hack 7:57 Frontier's interest on board credit card offer 11:12 Flying AA Business to London on Thanksgiving 17:00 Exploring London, takeaways and the tube 22:55 Mark's favorite things in London 27:29 Visiting Ted Lasso & the chunnel 31:27 Hyatt Regency Paris review - Underrated? 36:44 Galavanting around Paris, Louvre and other things to see 44:42 Paris vs. London and final takeaways Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Joe Cheung joins Shawn to catch up on some travel happenings. During the show Joe discusses and reviews his time on the world's largest cruise ship. It has a lot to do, but is Star of the Seas worth the premium price? We also discuss: post Thanksgiving, the traveler's dilemma, Paris vibes and the social media trap all traveling parents fall into. 0:00 Welcome to MTM Travel 0:32 The blessing/curse of traveling with extended family 6:15 Traveling with travelers vs. non-travelers 15:04 How travel planning falls on "us" 19:48 Trip planning for Paris/London - What to do? 25:55 Chase finally ads lifetime language - Big restriction! 30:40 Being a good customer to the banks? 36:57 Hyatt's weird Guest of Honor technological quirk Links Joe Cheung - https://www.youtube.com/@disneydeciphered  https://www.instagram.com/asthejoeflies/?hl=en Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Mark discusses his upcoming extended family trip to London and Paris. We discuss how all of the trip planning falls to the traveler, how it becomes so stressful and why technology is making it harder for the non-traveler. What is on the books for the Paris/London trip, what makes those cities great and why do we put up with family trips if they are so stressful?   In other news Chase dropped the hammer finally with the addition of restrictive lifetime language on several popular cards. As churning becomes more difficult with these new rules is it time to contemplate whether or not you are a good customer to the banks? We also discuss: Hyatt's Guest of Honor tech gremlin on last minute bookings and what you can do about it. Enjoy! 0:00 Welcome to MTM Travel 0:32 The blessing/curse of traveling with extended family 6:15 Traveling with travelers vs. non-travelers 15:04 How travel planning falls on "us" 19:48 Trip planning for Paris/London - What to do? 25:55 Chase finally ads lifetime language - Big restriction! 30:40 Being a good customer to the banks? 36:57 Hyatt's weird Guest of Honor technological quirk Links Chase lifetime language - https://www.doctorofcredit.com/chase-ink-preferred-business-card-now-includes-once-per-lifetime-language/ https://www.doctorofcredit.com/chase-adds-restrictive-language-to-ink-cash-ink-unlimited-cards/ Hyatt Guest of Honor - https://travel-on-points.com/hyatt-denies-guest-of-honor/ Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel we discuss a proposed credit card fee settlement that could spell huge changes to travel rewards cards, merchant fees and which cards are accepted at certain merchants. This settlement will cut fees and give consumers more choice, but will it actually fix anything and how will it affect airlines, hotels and other businesses that rely heavily on the industry?   We also discuss: eclipses, dealing with crazy time zones, big Capital One Venture X bonuses, new restrictive Chase application language, Shawn's best free cruise score ever & when you can visit the tallest/fastest roller coaster in the world. 0:00 Welcome to MTM Travel 0:19 Flying back to 100% and booking for 2027? 9:32 Shawn's best value free cruise ever 17:17 Capital One Venture X - Big increased bonuses 21:11 Chase adds even more restrictive card rules 27:30 The end of card rewards? Big merchant fee settlement & fallout 34:00 How the credit card ecosystem has spread throughout our economy Links Chase rules - https://travel-on-points.com/negative-chase-ink-application-terms/ Visa/MC settlement - https://onemileatatime.com/news/visa-mastercard-settlement-change-credit-card-rewards-landscape/ Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

In this episode, we'll talk about Virgin's double-or-nothing bad math promo, how to fly to Europe for 88 miles, and how to earn more rewards while charitably giving.Giant Mailbag(00:56) - A fun story about Mariner tickets from a Capital One deal where the seats were almost too good.Read more about Capital One Cardholder Exclusives Major League Baseball tickets hereCard News(04:56) - Venture X offers. Learn more about the Capital One Venture X Business Card here(08:48) - Learn more about Melio here(09:34) - Learn how to pay taxes via credit card here(10:07) - Learn more about the Capital One Venture X Rewards Card(11:47) - Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card have added some concerning language to terms in the application flowLearn more about the Ink Business Unlimited® Credit Card here (https://frequentmiler.com/CIBU/#Goto), and the Ink Business Cash® Credit Card here (https://frequentmiler.com/CIC/#Goto).(15:19) - Chase offers Chase Sapphire Reserve® Card & Sapphire Reserve for Business℠ Card cardholders 1.5cpp for Apple products through Dec 7Crazy Thing: Virgin shopping portal(16:18) - Read more about Virgin's shopping portal here: https://frequentmiler.com/virgins-shopping-portal-is-using-wyndham-math-for-its-double-points-promo/Bonvoyed(19:14) - SAS DevaluationAwards, Points, and More(22:53) - Wyndham gifting elite status bump or 5x rewards through the end of the year(Learn more about this Wyndham elite status bump here: https://frequentmiler.com/wyndham-giving-status-upgrade-for-all-members-or-50x-earnings-for-existing-diamond-members/)(24:22) - Air France calendar now includes partners(25:49) - Lufthansa Miles & More: economy flights to Europe for 88 miles + ~$200(27:03) - Consider using our Rove link here: frequentmiler.com/rovemiles/(30:21) - Jetblue 25/25 tracker (read more about the Jetblue 25/25 tracker here: https://frequentmiler.com/jetblue-has-added-a-25-for-25-progress-tracker-see-where-you-stand/)(33:27) - Greg's experience canceling a Preferred Hotel booked with/ Choice(38:47) - (Targeted) Capital One Shopping offering up to 25.5% cashback on British Airways flights (read more about this targeted offer here:...

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel we cover the latest in the FAA cancelation fiasco as a deal appears to have been reached to reopen the government and bring flights back to 100%. We also discuss Bilt's big news about their new cards and perks coming in 2026, Chase & Hyatt extending their partnership and teasing a new card plus Mark's return to SoCal including the Universal Studios VIP tour and his favorite beach hotel in the United States. 0:00 Welcome to MTM Travel 1:15 FAA cutbacks over? Deal finally reached 3:11 Delta marketing conspiracy? 6:15 We still have an aircraft controller problem 9:40 Bilt Rewards transition details - Mortgage payments! 13:31 Rakuten adds Bilt as cashback partner 17:25 Miles N More added for first time as a U.S. transfer partner 21:47 Chase & Hyatt extend partnership - New perks and cards?! 27:15 Sapphire Reserve 200K offers coming? 29:15 Universal Studios VIP again - Still worth it? 35:37 Oceana LXR Hilton review - Favorite property in SoCal? Links Hyatt premium card - https://travel-on-points.com/hyatt-status-on-sapphire-reserve-cards/ Bilt/Rakuten - https://travel-on-points.com/bilt-rewards-rakuten-payout/ Rove Miles - https://travel-on-points.com/rove-miles-adds-miles-more-transfer-partner/ Bilt Changes - https://travel-on-points.com/bilt-cardless-timeline/ Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel we discuss a number of Chase related topics including a rumor that they may be changing how they process business card applications. We also discuss possible Sapphire upgrade offers, how legacy Sapphire Reserve cardholders can grab their perks and why you might want to grab an Ink 90K before it is too late. Other topics include: Capital One's rough new family rules and how AI is changing the miles & points game. Is technology our enemy in this hobby? 0:00 Welcome to MTM Travel 6:46 Legacy Sapphire cardholders get new perks 12:46 Chase Sapphire upgrade offers coming soon? 17:17 Chase Ink 90K offers ending soon 19:10 No more sole-prop on business cards? 25:30 Capital One's rough new family rules 29:45 How AI will change the miles & points space Links Chase Sole Prop Rumor - https://www.doctorofcredit.com/rumor-some-banks-possibly-chase-might-limit-business-card-applications-to-eins/ CSR upgrade - https://www.doctorofcredit.com/source-upcoming-offer-coming-for-chase-sapphire-preferred-to-sapphire-reserve-upgrades/ Cap One family rules - https://travel-on-points.com/capital-one-family-rules/ Sapphire benefits - https://travel-on-points.com/activate-sapphire-reserve-card-perks/   Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Answering your questions about pitching UGC to social media management clients, imposter syndrome, and what my future life and business plans are.Thanks to Melio for sponsoring today's episode: https://go.melio.com/latashaJoin my free community, DOWN TO BUSINESS, to connect with me and other viewers: https://www.skool.com/down-to-business-with-latasha-5593/Mentioned - The Gap by Ira Glass:https://vimeo.com/85040589TIME STAMPS:0:00 - What we'll be covering today0:33 - Melio (ad)2:05 - The case for UGC4:50 - What younger me would be surprised about5:52 - Business and life advice I hate8:58 - When to start charging as a content creator10:32 - I'm going back to school14:00 - How AI is impacting online business16:59 - My background and upbringing19:04 - What I've learned about myself through entrepreneurship21:07 - Separating my personal life from my online presence 22:26 - Something people misunderstand about my job23:46 - Will I ever move out of Michigan?24:50 - Do I want to get married again?26:33 - Is it harder to grow online nowadays?28:45 - What's been bringing me joy lately29:29 - What I'd do if not marketing30:44 - Imposter syndrome31:39 - Final thoughts

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel we discuss Citi quite a bit including their curious new $350 annual fee AA Globe card. Does this mid-tier card bring anything new to the market and is it worth pursuing? We also discuss: learning more culture, Citi's generous offer to Strata Elite members affected by a glitch, how they are shutting down some cardmembers, a new portal that has transfer partners & big portal payouts + what 24 hour spas are like in China. 0:00 Welcome to MTM Travel 0:33 Shutting down the cottage & parent melancholy 5:44 Learning more about Mexican culture, burial traditions 8:56 Relaxing itinerary or getting home as soon as possible? 11:00 Citi's new AA Globe coupon book? 15:02 Is the 90K Globe welcome offer worth pursuing? 19:22 How banks decide which perks/benefits to add with new cards 20:53 Citi's very generous customer resolution for Strata Elite - Were they forced into it? 26:00 Citi shutting down some Strate Elite cardholders 28:43 Rove Miles - New portal with transfer partners - 1,500 free miles offer 33:15 24 hour spas in China + other crazy attractions Links Citi AA Globe - https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard Rove Offer - https://travel-on-points.com/rove-miles-shopping-portal/ Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com. You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Mark recaps some more travel woes he has encountered including a partner award issue that you need to know about and why National's customer service delivers again. On the theme park side we briefly discuss the new Universal Kids park opening in 2026 plus the tallest/fastest/longest coaster opening in Saudi Arabia. We also discuss how Alaska devalued a popular benefit, how Bilt will finally allow you to earn points on mortgages and why miles & points are great to take some stress out of family emergencies. 0:00 Welcome to MTM Travel 1:05 Using miles & points for the important things 7:42 Universal's new theme park opening in 2026 10:00 World's tallest/fastest/longest coaster opening in Saudi Arabia 15:10 Alaska devalues companion benefit 19:28 You can finally earn points for paying your mortgage 29:27 Rental car overcharge & National's amazing customer service 35:16 Partner award nightmare again - Canceled for schedule change? Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Mark recaps his recent East Coast Halloween adventures which included a quest for the best New Haven pizza plus Sleep Hollow, Yale and the coolest Hyatt atrium around! We also discuss a neat around the neck fan for hot planes, Shawn's "rough" Japan Airlines business class experience & how American Dream is doing five years later. 0:00 Welcome to MTM Travel 4:47 Halloween time in Sleepy Hollow 11:07 Dealing with emotional letdowns during travel 13:45 Hyatt Regency Greenwich & its very cool atrium 18:50 Finding the best New Haven pizza & rankings 27:00 Exploring Yale's amazing architecture & New Haven 29:20 Visiting American Dream - New York's (NJ)  GIANT mall 35:52 A crazy fan contraption for hotel planes/hotel rooms 38:07 A rough Japan Airlines flight - Business class quick review Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Shawn debriefs more from his Asia trip including his time in Seoul, visiting the Lotte Tower and his somewhat sad room at the Ibis Styles Seoul Gangnam (redeeming Accord points)! Other topics discussed include: what Amex FHR options look like post-credit boom, how to grab the Southwest Companion Pass for 2 years with just one card offer, a status match that was too good to be true, New Haven pizza and the tallest/longest bridges in the world. 0:00 Welcome to MTM Travel 1:40 Why New Haven pizza is the best in the world 5:20 Debriefing Seoul - 6th tallest building, Korean Disneyland and more 10:10 Ibis Styles Seoul Gangnam review - Redeeming Accor points! 13:44 What $80 gets you at an amazing Courtyard in China 17:27 How to get the Southwest Companion Pass with just one card 24:03 A status match that was “too good to be true” 29:01 Diving into the Amex FHR weeds - Higher prices & hard to find a “deal”? 35:52 The tallest and longest bridges in the world - Modern tourist sights! Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Shawn and Mark discuss their recent travels. Shawn goes into his experiences in Shanghai including the Hyatt Centric, why China may be living in the future, the incredible Shanghai skyline, what you need to know about China's payment systems and how visiting the country has changed in the past few years. Mark also discusses a huge issue he had with Delta/Virgin and a suspended ticket plus what it was like revisiting the "Top Gun Bar". 0:00 Welcome to MTM Travel 0:43 How Shanghai has changed over the years 3:22 The logistics of the Chinese payment systems as a westerner 7:24 Visiting Shanghai parks including Disneyland and Legoland 10:45 Chinese knock-off coasters? Safety of Chinese parks 18:08 Eating Western food when traveling in China? 20:50 Hyatt Centric Zongshan Park review 23:40 Crazy Delta/Virgin suspended ticket issue 29:00 Revisiting the Top Gun Bar & San Diego hotel suggestion Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

In this episode of FinTech Layer Cake, Reggie Young sits down with Ariel Blum, Founder of Receive, to unpack the challenges of small business cash flow and why “earned revenue access” could transform how SMBs operate. Ariel shares his journey from watching his parents struggle with delayed payments, to working at Amex, Green Dot, and Melio, to ultimately founding Receive. They explore the future of embedded finance, fintech's shift from “hot or not” to “essential,” and how solving cash flow timing mismatches could unlock massive opportunities for the 33 million small businesses in the U.S. and beyond.

Are accounting firms quietly having their best year ever? Blake and David break down why revenues and partner comp are rising—despite AI anxiety—and what it means for pricing and staffing. They unpack Gusto Money's Melio-powered bill pay, Relay's $1B milestone, Drake's new workflow, and AI tools that actually help (note-takers, agents, research). Plus: Trump's biannual reporting idea, peer review for PE-backed firms, BOI reversal, and the messy ‘no tax on tips' proposal.SponsorsOnPay - http://accountingpodcast.promo/onpay TeamUp - http://accountingpodcast.promo/teamupBluebook - http://accountingpodcast.promo/bluebookChapters(00:00) - Introduction and Revenue Insights (00:43) - Welcome to the Accounting Podcast (01:00) - Gusto Showcase Event Highlights (04:18) - The Importance of Long-Term Relationships in FinTech (08:58) - Advisory Amplified Tour Announcement (11:06) - AI in Accounting: Honest Reflections from a Tech Founder (16:48) - AI Meeting Assistants for Accounting Firms (21:03) - Comparing AI Tools: Blue Jay vs. ChatGPT (29:43) - Accounting Firms' Revenue and Compensation Growth (31:12) - Rising Costs and Accounting Firm Strategies (32:25) - NASBA's New Mobile App for CPA Exam Candidates (33:50) - Drake Software's Workflow Automation Launch (37:13) - AI in the Workplace: Surveys and Trends (41:16) - Fiverr's Shift to AI and Layoffs (44:09) - Trump's Proposal on Financial Reporting (50:01) - Private Equity and Peer Review Oversight (52:28) - Tax-Free Tips and Proposed Regulations (54:13) - AICPA and NASBA's Earn and Learn Program Shutdown (55:20) - Conclusion and Listener Engagement  Show NotesCPA Firms Report Steady Growth in Revenue and Profit, AICPA Research Finds https://www.aicpa-cima.com/news/article/cpa-firms-report-steady-growth-in-revenue-and-profit-aicpa-research-findsVinyl Raises $2M to Build the Future of AI Meeting Assistants for Accountantshttps://www.usevinyl.com/insights/blog/vinyl-seed-funding-announcementDrake Software Unveils Powerful New Tax Workflow Automation Toolshttps://www.prnewswire.com/news-releases/drake-software-unveils-powerful-new-tax-workflow-automation-tools-302558230.htmlNASBA Releases CPA Mobile App for Future CPAs https://www.accountingtoday.com/news/nasba-releases-cpa-mobile-appAICPA Seeks Comment on Peer Review Proposal for Firms with Private Equity Backinghttps://www.cpapracticeadvisor.com/2025/09/16/aicpa-seeks-comment-on-peer-review-proposal-for-firms-with-private-equity-backing/169014/Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week American Express released their long awaited refresh for both their personal and business Platinum cards. On this show we will dive into both cards, what we lost, what we gained, the fees, the welcome offers and more. Is this a win for Amex, should you avoid these almost $900 annual fee cards and what does the future of the premium card market look like? We'll be back next week with a regular show, but enjoy this deep dive including why you might not want to get your Platinum card right this second. Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week as we are getting ready for the Amex Platinum refresh we ponder whether you should pick up a new Business Platinum before the changes take effect. We also discuss: the new 90K Chase Ink bonuses, when you should grab the 100K Southwest offer for a companion pass, whether the pass is worth it, how long it is taking for online passport renewal, cash prices effecting award rates and why Japan award space is wide open.   Episode Guide 0:00 Welcome to MTM Travel 0:26 The joys of the twin cities 5:50 Shawn's trip update - Last minute Japan availability 8:40 Online passport renewal data points - Government efficiency? 11:08 Hotel cash prices lowering - award prices stay high? 15:25 Mainland China payment apps and rideshare 17:33 Should you get an Amex Business Platinum before the refresh? 25:00 Chase Ink 90K/$900 offers - As good as it gets? 28:33 Southwest 100K offers expiring this week 31:45 The darkside of the Southwest Companion Pass? 36:15 Is the Southwest Companion Pass going away - Too good to be true? Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Want to work with us? Reach out! inquiries at milestomemories dot com Frontier status match (MTM affiliate link) - https://www.frontierstatusmatch.com/?fpr=xf83a Episode Description This week Southwest announced a positive change for once! WiFi has been getting cheaper on planes over the years, but most still charge. That has been changing and Southwest will finally bring free internet to their planes. When will this happen and how long will it be before every airline offers free internet in the skies?   In other news Hyatt has a couple of cool new promos, but one of them has a new twist. Should we be weary of travel apps and all of the data tracking or is that just life in 2025? We also discuss: Mario Kart in real life, why AA is flying 20 empty transatlantic legs and how you can score an easy $200 bonus offer from our partner Melio.   Episode Guide 0:00 Welcome to MTM Travel 2:05 More free WiFi on planes - Southwest drops new perk 6:37 Why AA is flying 20 empty transatlantic legs 10:50 New Hyatt promos - with a troubling twist? 13:23 Why companies are trying to force us into using their apps 17:27 The big consumer data problem in 2025 21:23 Battle of Chase Sapphires - A surprising result? 28:42 Mario Kart in real life! Links Melio Offer (affiliate link) - https://affiliates.meliopayments.com/travelonpointsteam  Mario Kart - https://www.roadandtrack.com/news/a64188246/vietnam-downhill-karting-spot-mario-kart-dreams/ Southwest WiFi - https://milestomemories.com/southwest-rapid-rewards-members-will-get-free-wi-fi/ AA empty flights - https://onemileatatime.com/news/american-flying-empty-airbus-a321neo-across-atlantic/ Hyatt new property - https://travel-on-points.com/hyatt-new-hotel-promo/ Hyatt app promo - https://travel-on-points.com/hyatt-regency-promo/ CSR vs CSP - https://travel-on-points.com/your-next-card-csp-or-csr/ Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Ready to try Melio for yourself? You can get started with no monthly fees using their Melio Go plan, or upgrade for advanced features like batch payments, approval workflows, and W9/1099 tax tools. https://go.melio.com/gillian2025In this episode, I'm talking about how AI is reshaping content creation, for better or for worse. While it's easier than ever to churn out low-quality work, there's also huge potential to create better content faster with the right strategies. I'll share three smart ways to use AI to level up your content: coming up with ideas, repurposing across platforms, and polishing your drafts. I'll also give you a bonus tip on automating your workflow, plus introduce a tool called Lio that makes managing contractor payments simple and flexible.Listen to the full episode to hear:How AI is changing the landscape of content creationThree practical ways to use AI to streamline your content processTips for repurposing content and improving your drafts with AIA bonus tip for automating your workflow and saving timeWant to quit your job in the next 6-18 months with passive income from selling digital products online? Check out Startup Society.Have you already started your business, but it isn't generating consistent income? Schedule a free, 30-minute strategy session with our team to get unstuck!FREE Resources to Grow Your Online Business:Grab our free course, Small Business 101: https://gillianperkins.com/free-training-small-business-101/ Write a Profit Plan for Your Business : http://gillianperkins.com/free-profit-plan Work with Gillian Perkins:Apply for $100K Mastermind: https://gillianperkins.com/100k-mastermind Get your online biz started with Startup Society: https://startupsociety.com Learn more about Gillian: https://gillianperkins.com Instagram: @GillianZPerkins