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What happens when a software company building AI tools for HR teams uses those same tools to transform itself? Josh McKenzie, Chief Technology Officer at ELMO Software Group, shares how his team rebuilt their entire software development lifecycle around AI agents and redrew the boundaries of every engineering role. He breaks down how to lead that shift without losing people's trust, why domain expertise is the real SaaS moat, and how the right analytics partner unlocks decisions HR teams have never been able to make before. Key Moments: The SaaS Moat: What AI Can't Erode (06:37): Josh argues SaaS value runs deeper than software. Accountability, compliance, and domain expertise keep purpose-built platforms irreplaceable. How ELMO's AI Journey Started (10:23): ELMO started by mapping every role against AI impact. Turning that lens on their own engineering team set the full transformation in motion. Why ELMO Chose ThoughtSpot Over Building Its Own Analytics (18:42): A homegrown tool requiring too much user expertise led ELMO to look elsewhere. ThoughtSpot Spotter and natural language capabilities closed the gap. Why HR Teams Are the Most Underserved (20:21): Payroll here, benchmarking data there, performance data somewhere else. HR teams have been drowning in spreadsheet hell for years. Josh explains how AI finally closes that gap. From Engineer to CTO: Build a Team of Complements (24:17): Josh reflects on the mindset shift that defined his path to the C-suite. Great leadership means building a team whose strengths cover your blind spots. Key Quotes: “ ThoughtSpot was particularly interesting for us… The big thing for us was the Spotter product. Allowing users to bridge that data analyst gap was really important. So, that product has yielded really, really great results for us.” - Josh McKenzie “I think it's really important that we instill a culture where it's okay to fail, and it's okay to make a mistake. You want to be vocal about your mistakes so others don't repeat the same mistake.” - Josh McKenzie “My belief is you want to focus on your secret sauce. So, what is the thing that makes your business super successful? And for us, that's where we came to look at ThoughtSpot. It has a really nice visual user interface and allows you to create some great dashboards.” - Josh McKenzie Mentions Hiring and Onboarding Taking Longer Despite Widespread AI Adoption, New Australian Research Finds The 5 Levels of AI Coding (Why Most of You Won't Make It Past Level 2) WireGuard: Next Generation Kernel Network Tunnel | Jason A. Donenfeld Guest Bio As the Chief Technology Officer, Josh McKenzie is responsible for both technical strategy and delivery (build, release and operation) of the ELMO product suite. Josh has a proven track record of successfully leading technology teams and implementing transformative strategies that enhance efficiency, drive growth, and elevate overall technological capabilities. Josh has 20 years of experience in technology, primarily in FinTech. Before joining ELMO in 2024, Josh held executive and senior positions at Lendi Group, OFX, ASX and Westpac. Josh holds a Bachelor of Computer Science from the University of Newcastle and an MBA from the University of Sydney. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

When the vacuum cleaner was invented, slightly dusty floors became socially unacceptable overnight. According to Mark Eggers, co-founder of micro learning platform Yarno, AI is doing exactly the same thing to your output expectations, and he's not wrong.In this episode, I'm joined by Mark and Tom Bailey, Head of Learning at OFX and L&D Professional of the Year 2025, broadcasting from Australia at a deeply unreasonable hour. We cover the attention economy, what it's actually doing to your employees, and why "proud to announce" is not a communications strategy.We get into:Why the average knowledge worker toggles between apps 1,200 times a day, and what that means for learning designThe quiz-first model, spaced repetition, and why "cheating" in micro learning is actually the whole pointAIDA — and why L&D routinely skips from Awareness straight to Action and then wonders why no one shows upThe internal marketing moves that drove 91% completion on genuinely dry commercial contentWhy a great campaign and a mediocre product will always kill each otherTom's take: marketing and sales skills are non-negotiable for modern L&D practitioners. Mark's take: someone in your C-suite needs to be on camera. My take: both of them are right, and most L&D teams are doing neither.A sharp, honest conversation about attention, engagement, and why the learning industry needs to stop navel-gazing and start competing for the eyeballs it's losing.

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

Brian, Blake, and Richard are back for Episode 607 of the Chasing Tone Podcast - Brian invents a new form of reverb and are guitar magazines dead?Brian is in a chipper mood, whereas for Blake it's been a busy week - someone gets fired live on air, and there is a long neck involved. Meanwhile, Richard has been playing fancy guitars and has some views that he struggles to articulate. He has also fallen in love with a piece of wood, and Brian has Camperlust.When was the last time you bought a guitar magazine? The guys discuss the state of guitar magazines, advertising, and why we should support journalists! There's also some chat about different methods to learn guitar parts, and THAT solo gets mentioned again. Richard introduces Dave the Wizard.Can you cope with more than the main "food groups" of the electric guitar? Brian can't - he thinks everything just needs a B-Bender in it. Meanwhile, there hasn't been enough UFO talk recently, so the guys attempt to fix that...and then it goes massively off into the weeds again. Sorry, not sorry.Seth Baccus Guitars, Potholes, Double Dragon, OFX, Tone King Royalist, UFOS... it's all in this week's Chasing Tone!We are on Patreon now too!Support the show (https://www.patreon.com/chasingtonepodcast)Courses and DIY mods:https://www.betterguitartone.comhttps://www.wamplerdiy.comhttps://www.guitarpedalcourse.comYoutube:https://www.youtube.com/@chasingtonepodcastFind us at:https://www.wamplerpedals.com/https://www.instagram.com/WamplerPedals/https://www.facebook.com/groups/wamplerfanpage/Support the show

We haven't had Bethany McChesney on the show in a while, when I heard that she is planning a follow up Little Loop Ultra event, I figured it would be a good time to have her back on the show! We talk more in depth about her athletic background, her gym Fitfarm in Strathroy, Ontario, her inclusive ultra event, Obstacle Fitness X Podcast which she hosts with Dave Claxton, and much more! Be sure to follow her on social media, check out her gym if you're in the area, listen to OFX, and take on the Little Loop Ultra! Start – 4:06 – Intro 4:06 – 6:04 – Quick News 6:04 – 6:56 – Content Preface 6:56 – 1:04:00 - Interview with Bethany McChesney 1:04:00 – End – Outro Next weekend we will be releasing something but not sure what yet! ____ News Stories: New England OCR Expo Crossfit Dartmmouth Special Olympics Mark Wardian Beats 50K on all 7 Continents in 7 Days Record Christian Brown-Johnson's Response to Broken Record Bricklayer Accident Secret Link Mauler Twins Secret Link Headphone Commercial Secret Link Chicken Butt Secret Link Real Men Secret Link ____ Related Episodes: 233. Obstacle Fitness X Podcast with Dave Claxton and Bethany McChesney! ____ The OCR Report Patreon Supporters: Jason Dupree, Kim DeVoss, Samantha Thompson, Matt Puntin, Brad Kiehl, Charlotte Engelman, Erin Grindstaff, Hank Stefano, Arlene Stefano, Laura Ritter, Steven Ritter, Sofia Harnedy, Kenny West, Cheryl Miller, Jessica Johnson, Scott "The Fayne" Knowles, Nick Ryker, Christopher Hoover, Kevin Gregory Jr., Evan Eirich, Ashley Reis, Brent George, Justin Manning, Wendell Lagosh, Logan Nagle, Angela Bowers, Asa Coddington, Thomas Petersen, Seth Rinderknecht, Bonnie Wilson, Steve Bacon from The New England OCR Expo, Robert Landman, Shell Luccketta Jules Estes, and Alan "Muddy Duck" Moore. Sponsored Athletes: Javier Escobar, Kelly Sullivan, Ryan Brizzolara, Joshua Reid, and Kevin Gregory! Support us on Patreon for exclusive content and access to our Facebook group Check out our Threadless Shop Use coupon code "adventure" for 15% off MudGear products Use coupon code "ocrreport20" for 20% off Caterpy products Like us on Facebook: Obstacle Running Adventures Follow our podcast on Instagram: @ObstacleRunningAdventures Write us an email: obstaclerunningadventures@gmail.com Subscribe on Youtube: Obstacle Running Adventures Intro music - "Streaker" by: Straight Up Outro music - "Iron Paw" by: Dubbest

Live from the Accounting & Business Show Asia 2025 in Singapore, Heather chats with innovators about AI, e-invoicing, TikTok trends, cross-border payments and the evolving role of accountants in Asia Summary Heather Smith reports from the Accounting & Business Show Asia 2025 in Singapore, sharing floor interviews and key highlights. With strong Australian representation, she reflects on rapid regional digital transformation, cultural insights, and inspiring thought leadership. Main Topics: Singapore's digital drive: e-invoicing mandates and cheque phase-out Government-backed AI innovation via AI Singapore Roundtable on burnout, boundaries, and micro business sustainability TikTok insights and media habits reshaping communication Panel on women on boards and leadership pathways Interviews Include: Alvin Chia (OFX) – Cross-border payments with human-first support Marvin Galang (Jaz AI) – AI-native accounting software for Southeast Asia Bryan Sng (Simple AI) – AI agents automating accounting ops Kelvin Koh (Idently) – Face-key file security tech for sensitive documents Andrew Paton-Smith (Jazoodle) – 60-second forecasts & valuation KPIs Key Takeaways: The future of advisory is now AI is more than a buzzword in Singapore – it's a government initiative Accountants must embrace tech and set strong boundaries Social platforms like TikTok can't be ignored Representation, integrity, and courage are crucial for boardroom progress LinkedIn Posts from Singapore https://www.linkedin.com/posts/heathersmithau_abshowasia-accountingandaccountants-activity-7386538062283075584-1Vh2/ https://www.linkedin.com/posts/heathersmithau_acca-accountingandaccountants-abshowasia-activity-7386619905544056832-6Gdu/   https://www.linkedin.com/posts/heathersmithau_accountingandaccountants-abshowasia-activity-7386917433271439360-VY4Y/   https://www.linkedin.com/posts/heathersmithau_accountingandaccountants-abshowasia-activity-7386982271796490241-WgIh/    Contact details: Sponsor Offers:  Here Xero http://xero.com/ Koren Wines https://www.linkedin.com/in/koren-wines/  Sarah Foo https://www.linkedin.com/in/sarah-foo-fca/ Alvin Chia https://www.linkedin.com/in/alvin-chia-a15a6b65/  OFX https://www.ofx.com/  Marvin Galang https://www.linkedin.com/in/galangmr/  JAZ https://www.jaz.ai/   Bryan Sng https://www.linkedin.com/in/bryansng/  SimpleAi https://simpleaiworks.com/  Kelvin Koh https://www.linkedin.com/in/nivlekoh/  Identi.ly https://identi.ly/  Andrew Paton-Smith https://www.linkedin.com/in/apatonsmith/  Jazoodle https://jazoodle.com/  Accounting Apps newsletter: http://accountingapps.io/  Accounting Apps Mastermind: https://www.facebook.com/groups/XeroMasterMind  LinkedIn: https://www.linkedin.com/in/HeatherSmithAU/  YouTube Channel: https://www.youtube.com/ANISEConsulting  X: https://twitter.com/HeatherSmithAU

Have you ever wondered what authentic leadership looks like for introverts—and how you can harness your natural strengths to create real impact without pretending to be someone you're not? In this episode of The Quiet And Strong Podcast, host David Hall welcomes Tim Yeo, Chief Introvert of The Quiet Achiever, designer, coach, keynote speaker, and author of "The Quiet Achiever: Tiny Habits to Have Impact at Work Without Pretending to Be an Extrovert."Join David and Tim as they explore how introverts can become powerful leaders by embracing, rather than hiding, their quiet strengths. You'll learn why introversion is never a weakness and how society's misconceptions can actually help you discover your unique path to leadership. Tim shares his journey from feeling like he had to wear a mask at work to finding confidence and success on his own terms—and he offers practical strategies for thriving as an introvert in the workplace.If you're looking to be inspired by a real role model for introverted leadership, discover actionable tips for building confidence, and gain the validation that your quiet nature is something to be proud of, this episode is for you.Tune in, embrace your quiet strengths—and be strong.Episode Link: QuietandStrong.com/239Tim Yeo is the chief introvert of The Quiet Achiever. He coaches and runs The Quiet Achiever School to help quiet achievers have impact at work without pretending to be extroverts. Tim spent 20+ years as a designer and design leader, most recently Design Director at IBM. Previously, Tim was the Head of UX and Design at fintech startups @Finder, @OFX and @Prospa where he hired, established and scaled design teams from scratch. Best known for saying complex things simply and coining the term “people-ing”. He is also a keynote speaker, bookbinder and published his book, The Quiet Achiever, working remotely from his farm in Adelaide, Australia with his partner and the fluffiest Old English Sheepdog ever.Contact Tim:Visit the website: TheQuietAchievr.comGet the book: The Quiet Achiever: Tiny Habits to Have impact at WorkSend us a text- - -Contact the Host of the Quiet and Strong Podcast:David Hall Author, Speaker, Educator, Podcaster quietandstrong.comGobio.link/quietandstrongdavid [at] quietandstrong.com NOTE: This post may contain affiliate links. I may earn a commission if you make a purchase, at no extra cost to you. Take the FREE Personality Assessment: Typefinder Personality Assessment Follow David on your favorite social platform:Twitter | Facebook | Instagram | LinkedIn | Youtube Get David's book:Minding Your Time: Time Management, Productivity, and Success, Especially for Introverts Get Quiet & Strong Merchandise

The Oklahoma Film Exchange is working to save Oklahoma City Film Row's last screening room.OFX's Cam Hunter and historian Bradley Wynn talk about the effort to preserve the history of the Paramont screening room.

In this episode of The Offset Podcast we're talking about a subject that's near and dear to us - color education.  Over the past 25 years both Joey and Robbie have written books on postproduction, authored hundreds of hours of tutorial content and spoken on color and postproduction at conferences and events all around the world.  For this episode we thought it'd be fun to have one of our favorite color educators join the show as a special guest.  Who's that special guest? None other than the incomparable Cullen Kelly.  As a colorist Cullen's eye is sought after by some of the biggest brands and best film makers in the world, as an educator his knowledge and easy going manner have earned him the respect of thousands around the world and even gave brith to a thriving community he manages. As a developer - first with DCTL and now OFX, Cullen is combining his love of color science and workflow all to help colorists create compelling images.   Specific topics we cover in this episode include:Cullen's background and how his journey began with a desire to know more about colorHow being a staff colorist drastically impacted his skills and learning the craft of color gradingHow the facility experience also drove his desire to learn more about what was happening behind the scenes with image creationRewarding the passion of others by sharing knowledge and building a communityColor and post have lots of ‘lanes' of knowledge, no one ever regrets knowledge gainedHow knowledge is tiered - you can't learn everything all at once.  The challenges of calibrating education to your audienceThe role of principles and how they outweigh any specific toolThe challenge of teaching when the quality of footage, projects, and skillsets varyIf you liked this show consider support the podcast by buying us a cup of coffee. - https://buymeacoffee.com/theoffsetpodcastAlso be sure to like and subscribe to the show where ever you find it!

Money Travels Podcast Season 3, Episode 4In March 2020, as the world braced for a global pandemic, Jaco Veldsman gave up his comfortable career in finance to go it alone with the launch of Paytron, the cross-border payments platform. Three years later, Paytron's mission to transform global payments for its customers was turbo-charged with the company's acquisition by global payments powerhouse OFX. Now Global Head of Non-FX Revenue at OFX, today's guest Jaco shares his motivations for striking out alone, the customer challenges he's working to solve, and how his thirst for innovation and desire to simplify payments for all still drive him to this day.Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

 ASX 200 rallies 48 points to 8343 (0.6%), regaining yesterday's loss as the RBA cuts rates by 25bps, as expected. Banks better, led by NAB up 1% with the Big Bank Basket up to $269.90 (+0.7%). MQG rallied 2.0% with other financials better, too, ZIP up 3.1% and PNI up 1.7%. Insurers firmed, and REITS pushed higher as rates fell. 10-year yields fell to 4.44%. Industrials are also doing well, with WES up 0.8% and TLS rising 2.2% as it pushed up phone plans. SGH is up 1.4%, and retail is doing better as rates fall. JBH is up 1.3% with TPW rising 2.9% and travel stocks also in demand, CTD up 1.9% and FLT up 1.5%. KGN fell on disappointing results, off 8.9%. Tech stocks rose, with TNE the standout, up 11.3%, beating expectations and hitting new records.  The All-Tech Index is up %. Resources mixed, iron ore miners gave up early gains, and gold miners too started well but wilted with NST down 1.4% and NEM off 11.4%. Coal stocks are flat, oil and gas mixed, and uranium slightly weaker. In corporate news, OFX crashed 34.6% after a huge run yesterday and a trading halt. On the economic front, the RBA cut rates to 3.85% lowest in two years. China eased rates back too. Asian markets were positive with CATL listing in HK today. European futures pointing to a solid opening. Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Let us know what's on your mindMaeve McMahon is the CEO of OFX in Ireland, with a remit covering half the world and a passion for sport.  The company is the sponsor of the OFX Legends Golf event at Mount Juliet this week and Maeve also sits on the Board of the FAI.  We had time to sit and chat recently, after a few holes of golf on the Jack Nicklaus designed course, and the conversation moves across, sport, business and in the end with Severiano Ballesteros.I think you'll enjoy it. Find out more about what we do day in day out at Sportforbusiness.comWe publish a daily news bulletin and host regular live events on a wide range of sporting subjects Subscribe to the podcast wherever you get your podcasts from and look forward to upcoming chats with with Olympic Medallist Aifric Keogh on her new role as Chair of the Athletes Commission at the Olympic Federation of Ireland, Dr Kieran Collins of TUD on Technology and Sport and more leaders willing to give of their time and insight.Our upcoming live events on Sports Leadership, the Business of Golf, Gaming and and plenty more are live on the Sport for Business website and we'd love to have you join us.

The built-in tools in grading applications like DaVinci Resolve are immensely powerful, but sometimes, you need a tool that goes further—or, at the very least, approaches a task in a slightly different way. In this installment of The OffSet Podcast, we're exploring how power grades, DCTLs, and OFX fit into a grading workflow.Specific topics we discuss in this episode include:Defining Powergrades, DCTL & OFXThe benefits of extending the toolset without cluttering the user interfaceIntegrating DCTLS and OFX into fix node tree structuresThe DCTL ecosystem as R&D for Blackmagic DesignKeeping DCTLs & OFX in sync, up to date, and on multiple systems and locationsExploring how to NOT paint yourself into a corner with DCTLs & OFXHow DCTLS and OFX require a lot of steps and clicks for useThere could be better interface & panel integrationSome of our favorite DCTLs and OFXBe sure to check out our library of episodes, and if you liked the show, be sure to like and subscribe to the show wherever you find it.

‘As the other core markets for Russia are closing down and tightening the grip, they're looking for other mechanisms. And we may be seen as an easier mechanism because we haven't had the benefit of the learnings of the European and the American banks, where they have been really having to grapple with this on a day-to-day basis. We're now really having to turn our attention to that indirect risk.' -Kylie Oliver on sanctions risks in Australia ‘We need to think about customers and markets that we may touch into from Australia. It's a very different risk landscape - much more complex I'd suggest - than it may be in the Northern Hemisphere around this Russian sanctions issue.' -Gavin Coles on sanctions risks in Australia In the latest episode of the Sanctions Space Podcast, Justine is joined by Gavin Coles, Global Sanctions Officer at OFX and Kylie Oliver, Senior Manager Enterprise Sanctions Compliance at ANZ. They discuss how industry in Australia is dealing with a complex global sanctions environment, how sanctions exposure can manifest itself in the region, and vulnerabilities to secondary sanctions risks.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week.  Brian Spin also makes an appearance to discuss some CrossFit Games stuff. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. We also welcome RAMFIT as a sponsor. They take material destined for landfill and turn it into high performance training gear that lasts, because we believe we can have fitter people and a fitter planet. Drop us a note and get Matt B. Davis backyard RAM workout plan. Connect & Support: Follow today's guests – Anthony Peressinni |Dave Claxton | Barbell Spin Follow Hybrid Fitness Media on IG. Listen at the top of the page or hit this link for your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Today, we dive into a crucial question: Is there a true hybrid athlete? Hunter explains his disappointing finish in at HYROX World's and what led to it. We also explore more speculations about the 2024/2024 HYROX Majors. Plus, don't miss the debut of the exciting new segment, the Hybrid Game Show! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Special Guest this week is Jack Driscoll aka Jack D Fitness. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. We also welcome RAMFIT as a sponsor. They take material destined for landfill and turn it into high performance training gear that lasts, because we believe we can have fitter people and a fitter planet. Drop us a note and get Matt B. Davis backyard RAM workout plan. Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Jack D Fitness Follow Hybrid Fitness Media on IG. Listen on your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Dave was celebrating Canada Day, so we welcome Kevin Bubbles Gregory as special guges, Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. We also welcome RAMFIT as a sponsor. They take material destined for landfill and turn it into high performance training gear that lasts, because we believe we can have fitter people and a fitter planet. Drop us a note and get Matt B. Davis backyard RAM workout plan. Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Kevin AKA Bubbles Follow Hybrid Fitness Media on IG.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. We are joined by HYROX World Champs prediction contest winner, Ciaran Clancy. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. We also welcome RAMFIT as a sponsor. They take material destined for landfill and turn it into high performance training gear that lasts, because we believe we can have fitter people and a fitter planet. Drop us a note and get Matt B. Davis backyard RAM workout plan. Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton |  Follow Hybrid Fitness Media on IG Listen on your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. We are joined by HYROX World Champs prediction contest winner, Ciaran Clancy. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Ciaran Clancy from PulpFriction Follow Hybrid Fitness Media on IG Listen on your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Matt Halfhill and Matt Kemp from the world record fastest over 40 HYROX relay team also join us. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. This episode is also sponsored by The Rocky Mountain Games. Join us for an awesome test of hybrid fitness on June 23, 23 in Calgary! Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Follow Hybrid Fitness Media on IG Listen at the top of the page or hit this link for your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. This episode is also sponsored by The Rocky Mountain Games. Join us for an awesome test of hybrid fitness on June 23, 23 in Calgary! Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Follow Hybrid Fitness Media on IG      

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Special guests - Katie Duke, Dylan Scott, Greyson Kilgore Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. This episode is also sponsored by The Rocky Mountain Games. Join us for an awesome test of hybrid fitness on June 23, 23 in Calgary! Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Katie Duke | Dylan Scott | Greyson Kilgore Follow Hybrid Fitness Media on IG Listen at the top of the page or hit this link for your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Special guest - Vivian Tafuto Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. This episode is also sponsored by The Rocky Mountain Games. Join us for an awesome test of hybrid fitness on June 23, 23 in Calgary! Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton | Vivian Tafuto Follow Hybrid Fitness Media on IG Listen at the top of the page or hit this link for your favorite podcast player.

Explore HYROX, DEKA FIT, and other hybrid fitness trends on the Hybrid Fitness Media Podcast. Join insightful discussions with athletes, event directors, and industry insiders for valuable information and entertainment. Stay tuned for engaging content about the dynamic world of hybrid fitness! Anthony Peressini from The Hybrid Engine, Dave Claxton from OFX, and Matt B. Davis discuss the hybrid topics of the week. Special guest - Brian from Resolute Coffee. Sponsor Mention: We are stoked to welcome back Resolute Coffee as a sponsor. Brian and team are athletes and members of the hybrid community. Use code HFM20 for 20 percent off at checkout right now. Connect & Support: Follow today's guests –  Anthony Peressinni |Dave Claxton Follow Hybrid Fitness Media on IG Listen at the top of the page or hit this link for your favorite podcast player.

Tyler Caskey, Partner at The Bean Counters joins me in this episode. Here are five interesting insights we talk about in the show: 1. Live Banking and Direct Digital Receipting: Tools like Weel and Airwallex enable real-time banking transactions, while solutions like Slyp and Tyro streamline payment processes by sending receipt details directly to accounting systems, reducing manual data entry. 2. Global Banking Solutions: Digital technology solutions like Airwallex, OFX, Paytron, and Wise facilitate international transactions with ease, offering competitive rates and near real-time transfers and bill payments in multiple currencies. 3. Google's Updates: Google is removing underutilised features across Android, including some related to voice controls, and shutting down its podcast app in favour of integrating podcasts into YouTube Music. This shift intrigued the author, who recently upgraded their device. 4. Updates in the Reporting Space: Various accounting software solutions have introduced updates, such as Calxa's unlinked accounts feature for cash flow forecasting, Fathom's improved KPI library experience, and G-Accon's introduction of automatic workflows within Google Sheets. 5. Xero's Invoices Changes: Xero is retiring classic invoicing in September 2024, prompting concerns from the community about missing features, like the ability to process an overpayment, inability to edit exchange rates, and inability to invoice bulk contact groups.  However, you can quickly switch back if you need features only currently available within classic invoicing. These insights highlight the ongoing technological advancements and changes within the accounting industry, offering both opportunities and challenges for practitioners and stakeholders alike.  Contact details: Tyler Caskey: https://www.linkedin.com/in/tylercaskey/  Accounting Apps newsletter: http://HeatherSmithAU.COM Accounting Apps Mastermind: https://www.facebook.com/groups/XeroMasterMind  LinkedIn: https://www.linkedin.com/in/HeatherSmithAU/  YouTube Channel: https://www.youtube.com/ANISEConsulting  X: https://twitter.com/HeatherSmithAU 

Dave Claxton from OFX and Ian K from UKHXR joins Matt to discuss a massive weekend in Hybrid Fitness. DEKA held its 2nd World Championship weekend and Matt and Dave were there! There was also another record-breaking HYROX weekend, this time in Sweden.   Connect & Support: Follow Dave and OFX. Follow Ian and UKHXR aka the UK Fitness Racing Podcast. Follow Hybrid Fitness Media on IG. You can support Hybrid Fitness Media with this link. Listen at the top of the page or hit this link for your favorite podcast player.

My guest for this episode is Tim Yeo (@timyeo on Twitter). Tim coaches introverts to have impact and influence without pretending to be extroverts at The Quiet Achiever. He is currently Design Director @ IBM, helping Enterprise clients transform their businesses with enterprise scale at startup speed. In IBM, Tim focuses on DesignOps for the Customer Transformation design practice in Australia.Previously, Tim was the first UX and Design leader at fintech startups @Finder, @OFX and @Prospa where he hired, established and scaled design teams from scratch. Best known for saying complex things simply. He's also a keynote speaker, bookbinder and currently living the nomad life with no permanent address in Adelaide, Australia with his partner and the fluffiest Old English Sheepdog ever. We talk about* Introversion and job searching, job interviews, and getting noticed* How to be an introvert and still get ahead in your career* The kind of coaching Tim does with introverts. * The workshops Tim teachesWhere to find Tim* The Quiet Achiever* Twitter* LinkedInThank you for reading Invincible Career®. This post is public so feel free to share it.Hi, I'm Larry Cornett, a Personal Coach who can work with you to optimize your career, life, or business. My mission is to help you take complete control of your work and life so you can become a more “Invincible You.” I live in Northern California near Lake Tahoe with my wife and our Great Dane. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit newsletter.invinciblecareer.com/subscribe

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

Join me on this Weekly LIVE Q&As every Tuesday at 5 PM GMT where I will answer any Amazon FBA-related Questions. I will also cover specific topics and Amazon News.=============FOLLOW US

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

Join me on this Weekly LIVE Q&As every Tuesday at 5 PM GMT where I will answer any Amazon FBA-related Questions. I will also cover specific topics and Amazon News.=============FOLLOW US

OFX EPISODE 102: WTM PREVIEW WITH MARK BATRES. Brought to you by Duonamic and Designateddrinks.ca. Mark makes his debut on OFX. He shares why he had to drop out of this year's WTM and gives us some great insight on what we can expect this year. If you are on your way to WTM, this is a mandatory listen, and if you are not heading to Alabama, this episode will make you wish you were.

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

Join me on this Weekly LIVE Q&As every Tuesday at 5 PM GMT where I will answer any Amazon FBA-related Questions. I will also cover specific topics and Amazon News.=============FOLLOW US

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

In this interview, Piers Eveleigh discusses how Storfund helps Amazon sellers receive daily payments smoothly and without any interruptions. Amazon sellers can benefit from Storefund because it offers an all-in-one cash flow solution. Clients can receive payouts every day, in their preferred currency, and the application includes useful features such as tracking payment history. This allows you to manage your cash flow and ensure you get the most profit possible, as Piers describes in greater detail. ===================== Piers Eveleigh

Join me on this Weekly LIVE Q&As every Tuesday at 5 PM GMT where I will answer any Amazon FBA-related Questions. I will also cover specific topics and Amazon News.=============FOLLOW US

Are you looking for financing to acquire an e-commerce or SaaS business? Revenue-based lending is a non-dilutive alternative form of financing that takes no personal guarantees, no warrants and establishes a flexible payback scheme to help buyers buy a business. Andrea Balletbo of Boopos explains how revenue-based lending works and how it benefits acquisition entrepreneurs like you especially acquiring in the online space.=====================Andrea Balletbo

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

In today's episode, we will chat Ruben Alikhanyan, the founder of PAS Agency, about launching and scaling your brand. Today's episode is all about brand strategy. We'll explain how to evaluate a brand before launching it, whether it's one you're creating or one that already exists. You'll discover what you need to do to successfully create an Amazon brand, how to use the Amazon Brand Registry, and what's preventing conversions.=====================Ruben Alikhanyan

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

Today we bring you Michael Stewart to talk about his journey so far as an Amazon Seller and learn about some of the strategies he has implemented so far to successfully run and scale his Amazon business to 7-Figures.=====================Michael Stewart

Join me on this Weekly LIVE Q&As every Tuesday at 5 PM GMT where I will answer any Amazon FBA-related Questions. I will also cover specific topics and Amazon News.=============FOLLOW US

Hosted by Helium 10, a leader in empowering e-commerce entrepreneurs worldwide, Sell + Scale Summit brings e-commerce sellers everything they need to take their business to the next level, all under one roof at the Virgin Hotel in Las Vegas, Nevada. Sell + Scale Summit will feature world-renowned guest speakers and entertainment including serial entrepreneur Gary Vaynerchuk as the keynote speaker. Today we bring you, Cassandra Craven, which is the Director of Social Media & Influencer Relationships at Helium10 to talk about what is the latest news around the Sell and Scale Summit by Helium10.

Unete cada semana los jueves a las 5 PM GMT UK a esta sesión donde voy a estar respondiendo preguntas acerca de vender en Amazon y cubrir algunos temas en torno a nuevas estrategias y noticias en el campo.=============FOLLOW US

OFX EPISODE 88: SYLVIE MANAIGRE AND THE NORTH OF 7 OCR. Elite obstacle course racer and Spartan pro alum Sylvie is hosting the first ever North Of 7 Race. It is a 3km OCR to be held on September 10th. So support local, and sign up for a killer new race. Use discount code "OFX" for 15% off registration price. Sorry we did have some signal issues for Sylvie and did our best to clean it up.

Imagina que entras a la universidad a estudiar una carrera y te das cuenta que no te gustó para nada, te sales... avanzamos en el tiempo y al final terminas rompiéndola en algo relacionado a lo que estabas estudiando en un principio. Pues justo eso le pasó a #Javier Vargas de #OFX, nuestro invitado al Círculo en este episodio. Pero como en toda historia, lo interesante no es saber cómo inicia o cómo termina, sino lo que sucede justo en medio y por supuesto, cómo se va desarrollando y eso es justamente lo que te vas a enterar aquí. En este episodio encontrarás: ⭕️ Cómo salió adelante en el trading a pesar de tener problemas en casa ⭕️ Por qué aprendió y desaprendió a hacer trading para comenzar de nuevo ⭕️ En qué está basada y cómo ejecuta su estrategia de trading ⭕️ Problemas que tuvo como socio en OFX y cómo lo superaron ⭕️ Cómo conoció y se inició en el tema de Bitcoin y las Criptos ⭕️ Consejos para traders que aún no consiguen los resultados que quisieran - #TradingSinMiedo #GestiondeEmociones #Forex #CFD #TradingLatino #Empresario #TraderMexicano

If you are ordering products overseas, making a wire transfer, or paying international employees you might be paying a lot in international transaction fees and dealing with varying exchange rates. Using money transfer services like OFX can help you save potentially thousands of dollars a year. International transaction fees and exchange rates can eat up profit. Luckily, OFX helps reduce your fees and lock in foreign exchange rates for up to 12 months.

On this episode of Link Up Leaders, Francois and Lisa are sitting down with Ed Wiley to discuss how OFX can help eCommerce businesses seamlessly expand into international markets. --