Podcasts about payments

Listener Q&A where Andy talks about: A correction on something incorrect I said last week regarding deciding which spouse's pre-tax account to distribute or convert from ( 3:28 )Pros and cons of using a single total global stock market fund vs multiple other funds such as just US and just international  ( 8:17 )What's in the calculation for Modified Adjusted Gross Income ("MAGI") for purposes of determining eligibility to contribute to a Roth IRA ( 14:49 )Deciding when to start a Roth account, and whether it should be a Roth IRA or Roth 401(K) (if you have the option), and whether it should be funded via conversion or contribution ( 20:40 )What to consider when deciding on which pension payment type of choose ( 27:52 )Should IRA distributions instead be converted to Roth if you don't need to use the money any time soon ( 35:50 )What to consider when retiring late (e.g. late-60s or 70s) ( 42:02 )Explaining certain "fees" on trade confirmations, such as when buying coupon-paying bonds or stocks/ETFs ( 47:21 )Why just looking at unrealized gains or losses on a position in a dividend or distribution paying security don't tell the whole story with regards to how much money you've actually made or lost in the position ( 53:45 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:My company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

They told you to be grateful. But the goddess grieves FIRST. In this episode, I break down why gratitude practices fail when you're in grief, and give you my 3-phase Goddess Protocol for turning loss into manifestation fuel.

Clare farmers have taken an over €2 million share of a fund to support the welfare of suckler calves. Payments of €28 million have been commenced under the Beef Welfare Scheme 2025 with €2.34 million awarded in the county as a result of 1,878 successful applications. The scheme is intended to support farmers in meal feeding suckler calves before and after weaning, vaccinating against diseases and carrying out testing measures such as forage analysis or faecal egg count. Feakle-based chairperson of the Clare branch of the Irish Farmers Association Stephen Walsh says while the payments are welcome, it's disappointing that they're lower than promised.

This episode is sponsored by Evenica. On this episode, Evenica's Gustavo Oliveira help us unpack the fundamentals of creating a seamless, secure, and consistent checkout experiences in Microsoft Dynamics 365 Commerce. He explains how a payment connector acts as the communication bridge between POS systems, online stores, and financial institutions to handle the orchestration that makes modern payments work. We also discuss how solutions like Evenica's e4Payment streamline the "last mile" of the customer journey, reduce friction at checkout, support loyalty and gift card systems, and unlock transaction data inside Dynamics 365. From tokenization and modern tender types to unified data for better decision-making, Gustavo highlights why payment connectors have become essential for retailers looking to modernize, scale, and differentiate. From Evenica: See how e4Payment can transform payment orchestration inside Dynamics 365. Check out the solution on Microsoft's Azure Marketplace and explore what it can do for your business.  https://marketplace.microsoft.com/en-us/product/dynamics-365-for-operations/evenicacorp1582838632446.e4payment?tab=Overview

Episode 1484 - The Nedbank Golf Challenge is this week's DP World Tour event. Live on Sky Sports Golf, we highlight 3 of the best bookmaker new customer offers available right now, if you fancy a golf bet. Make sure to visit our website for our ladbrokes new customer guide. Coral Bet £10, Get £40 in Free Bets For new customers 18+ Coral are offering a Bet £10, Get £40 in Free Bets offer. No promo code is required when registering.  Terms: 18+ New Customers only. Certain deposit methods & bet types excl. 1st Deposit & Bet £/€10+ at min odds 1/2 on Sports within 14 days of account reg & Get 4x £10 Free Bets (selected sportsbook markets only, valid 7 days) Max 1 Free Bet per player. Restrictions + T&Cs apply. coral new customer Boylesports Bet £10, Get £40 in Free Bets & Bonuses For new customers 18+ Boylesports are offering a Bet £10, Get £40 in Free Bets  & Bonuses offer. No promo code is required when registering.  Terms: New UK customers (Excluding NI) only. £40 in FREE Bets (FB) as £30 in sports bets & a £10 casino bonus (CB). Min Deposit £10. Min stake £10. Min odds Evs. FB applied on 1st settlement of any qualifying bet. FB 7-day expiry. 1 FB offer per customer, household & IP address only. Account & Payment restrictions. 14 days to accept £10 CB, then active for 3 days. CB 5x wagering & max redeemable £100. Game restrictions apply. Cashed out/Free Bets won't apply. 30 days to qualify. 18+. T&Cs apply. #Ad boylesports new customer Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred new customer bet356 guide and our what is the ladbrokes bonus code guide. what is the coral bonus code and unibet promo code guides. bet 365 bonus code william hill bonus code 2026 betfred lucky 15 bonus Top pages https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2026/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/offers/betvictor-new-customer-offer/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Episode 1485 - UFC 323 comes from Las Vegas this Sunday morning. Live on TNT Sports we highlight 3 of the best bookmaker new customer offers available right now, if you fancy a bet. Make sure to visit our website for our ladbrokes sign up offer guide. Boylesports Bet £10, Get £40 in Free Bets & Bonuses For new customers 18+ Boylesports are offering a Bet £10, Get £40 in Free Bets  & Bonuses offer. No promo code is required when registering.  Terms: New UK customers (Excluding NI) only. £40 in FREE Bets (FB) as £30 in sports bets & a £10 casino bonus (CB). Min Deposit £10. Min stake £10. Min odds Evs. FB applied on 1st settlement of any qualifying bet. FB 7-day expiry. 1 FB offer per customer, household & IP address only. Account & Payment restrictions. 14 days to accept £10 CB, then active for 3 days. CB 5x wagering & max redeemable £100. Game restrictions apply. Cashed out/Free Bets won't apply. 30 days to qualify. 18+. T&Cs apply. #Ad  boylesports new customer offer Ladbrokes Bet £10, Get £40 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £10, Get £40 in Free Bets. No promo code required when registering. Terms: 18+. New UK & ROI customers only. Certain deposit methods & bet types excl. Min first £10 win or E/W bet within 14 days of account reg at min odds 1/2 & get 4 x £10 free bets. Free bets valid for 7 days, stake not returned. No cashout, restrictions + T&C apply. Ladbrokes dets: ladbrokes casino promo code William Hill Bet £10, Get £30 in Free Bets For new customers only, 18+, William Hill are offering a Bet £10, Get £30 in Free Bets. Use promo code R30 when registering Terms: 18+. Play Safe. From 00:01 on 18.10.2022. £30 bonus. New customers only. Minimum £10 stake on odds of 1/2 (1.5) or greater on sportsbook (excluding Virtual markets). Further terms apply. #ad William Hill dets: william hill 30 free bet Here is our bet365 opening offer guide and our betfred promo codes guide. Read our coral casino promo code and coral new customer offer guides. Read our pages betvictor welcome offer unibet sign up offer bet365 bonus code 2026 new customer offer Top pages https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/william-hill-free-bet-explained/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.Welcome back! Lawmakers are zeroed in on trade issues and a potential new farm-aid package as the year winds down. Agriculture Secretary Brooke Rollins is expected to release details this week—but many in D.C. and across farm country say it won't be nearly enough. The American Farm Bureau notes that the rumored $12B is a fraction of the $50B+ in losses farmers have endured over the last three years. Deputy USDA Secretary Stephen Vaden added that recently negotiated trade deals could impact how much aid is ultimately distributed.

Supporting someone with food addiction or an eating disorder isn't always straightforward, and the words meant to be harmless can actually trigger shame, cravings, or relapse. In this episode of the Food Freedom Podcast, Mary speaks directly to the loved ones of those struggling with food addiction, binge eating, emotional eating, and disordered eating patterns. You'll learn why comments like “just one bite won't hurt” can be deeply damaging, what food addiction really is on a brain-level, and why recovery is far more complex than willpower or self-control.Mary breaks down how sugar and ultra-processed foods impact the brain, how challenging abstinence can be in a world filled with pressure and food-pushing, and what true support actually looks like. If you want to be a safe, understanding, and empowering presence in your loved one's recovery, this episode will help you communicate with compassion and avoid unintentionally sabotaging their progress.Perfect for spouses, parents, friends, and anyone who wants to better understand food addiction and how to support someone on their journey to food sobriety.Enroll in Crush The Holidays Email Series - 21 days of emails to get you through the holidays food sober. Recipes, strategies, mindset …..www.foodfreedomwithmary.com/crushholidayseries Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Most software teams still think of payments as a chore. We take you inside the playbook that turns it into a growth engine. I sits down with NMI CTO Phillip Goericke to unpack how embedded payments evolved from a basic checkout to a full-stack platform that handles onboarding, underwriting, payouts, analytics, and even embedded finance. The conversation is straight talk on what actually works when you're shipping fast and scaling globally.We dig into the architectural choices that matter: start with a no-code drop-in to activate revenue quickly, then progress to low-code SDKs and finally full APIs when you need deep control. Phillip shares where platforms stall - manual KYC, fragmented global rules, and data blind spots and how a modular approach fixes these without ripping out your stack. You'll hear how compliance-as-a-service, network tokenization, and adaptive 3D Secure can raise approval rates, reduce fraud, and simplify audits while keeping the checkout experience seamless.Looking ahead, we explore why identity, compliance, and data are the foundation for embedded finance. Philip outlines NMI's unified experience that brings payments, onboarding, insights, and new services like business capital into one place. We also tackle AI with clear eyes: use it to augment decisioning and anomaly detection, but wrap it with deterministic controls so money-critical outcomes are consistently right. The key takeaway is a mindset shift: stop treating payments as a feature and start using it as a strategic lever for revenue, retention, and product velocity.If you're building software with transactions anywhere in the flow, this is your blueprint for turning payments into a competitive moat. Subscribe for more deep dives, share with a teammate who owns monetization, and leave a review to tell us what topic you want next.

This festive season, scamsters are busier than ever. From fake travel deals to holiday shopping traps, the pressure to click quickly can make anyone vulnerable. In this episode of Everything Counts, Motheo Khoaripe sits down with fraud expert Kevin Hogan and cybersecurity specialist Nomalizo Hlazo to unpack the most common holiday scams and how to stay protected when excitement meets urgency. The episode covers why holiday scams are so effective, tools to identify scams and the red flags you should be on the lookout for. Remember that holiday scams aren't always about getting you to make a purchase; they can often be phishing scams to get your details. Stay safe this festive season! 00:00 Introduction 01:50 Why is the holiday season a big one for scamsters? 02:50 Why are people less wary around the festive season? 03:50 Common holiday scams in South Africa 05:00 Red flags that may signal a holiday scam 08:00 Can consumers avoid holiday scams by using proper channels? 09:00 Tools to identify scams 11:00 Debunking myths about holiday scams 12:00 Payment-related red flags to look out for 15:20 Holiday scams can be phishing scams 17:00 How to protect yourself from scams: Virtual Cards vs Instant EFT 20:00 Digital hygiene to avoid holiday scams 23:30 Advice for avoiding holiday scams 25:30 Conclusion Investec Focus Radio SA

The opportunities and potential for tokenisation to support global liquidity management alongside traditional payments are there for the taking. Lewis Sun, Global Head of Domestic and Emerging Payments, Global Payments Solutions, HSBC, talks to TMI about the options for treasurers.

The ASX 200 pushed 15 points higher to 8580 (0.2%) in another quiet directionless day of trade. Banks were steady with the Big Bank Basket at $263.74 (0.3%), MQG fell 1.2% as the German Cum Div case ramps up. Other financials were mixed with ZIP down 10.6% on some US states querying BNPL fees. REITs rose led by GMG up 0.3% and SCG up 2.2% with industrials mixed, TLS up 0.8% and WOW and COL better. CPU bounced 2.7% with tech stocks easing back again, WTC down 2.3% and TNE continuing to fall. The All-Tech Index dropped 1.2%. In resources, the iron ore miners pushed higher again. BHP up 1.1% and RIO gaining 1.7%. Gold miners were mixed, PRU up 1.4% and VAU doing well. Lithium stocks steady, oil and gas stocks better, WDS up 1.0% and STO rising 0.9%. Uranium sector mildly positive.In corporate news, CKF fell 3.5% after a trading update, PNR dropped 11.9% as Tulla Resources sold down its stake. MAQ completed its 47MW Sydney AI data centre.In economic news, the Balance of Payments fell $500m in September quarter. A deficit of $16.6bn.Asian markets mixed, Japan recovered 0.2% with HK up 0.1% and China down 0.6%.10-year yields pushed higher again to 4.61%.US Futures steady.Want to invest with Marcus Today? Our MT20 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.

1.2 million Canadians are renewing mortgages in 2026, most coming off sub-2% rates and facing $500–$600 monthly payment jumps. Fixed gives certainty but higher payments and big penalties, while variable could save money if rates fall but risks increases. The wrong choice can cost or save around $18,000. Alex breaks down the scenarios and shows how to choose based on your budget, savings, risk tolerance, and whether you might move or refinance.

Buddhadeb Das Gupta, EVP & Global Head of Payments & Digital Solutions, Yethi ConsultingIncreasing architectural complexity and ever-changing regulatory demands have left the global payments ecosystem at a critical inflection point. Transformation and compliance are now a matter of business survival. Robin Amlôt of IBS Intelligence talks to Buddhadeb ‘Deb' Das Gupta of Yethi Consulting about the economics of competitive positioning and how to build sustainable competitive advantage.

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingPros Shop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Cecil Bullard, industry veteran and business coach. Cecil shares the importance of properly valuing diagnostic labor in automotive shops, explaining why most shops fail to charge adequately for the complex testing modern vehicles require. The conversation highlights the necessity for shop owners to plan for their financial future, emphasizing retirement strategies and the risks of working solo. Finally, they discuss the value of building a strong team and why technicians with no interest in leading or managing should reconsider opening their own shop.00:00 DHT's Impact on Male Development08:25 Auto Shop Diagnostic Process14:58 Hormones, Cars, and Adjustments20:55 Optimizing Average Repair Order26:23 Professional Standards in Coaching32:23 "Raise Your Labor Rate"33:52 "Revenue Variance Insights"41:03 "Family Shop Management Plan"46:51 "Contentment, Family, and Responsibility"50:35 "Solo Work: Control vs. Risk"57:30 Risk Balancing for Lifestyle Goals01:02:58 Debt vs. Investing Motivation Struggles01:06:09 Sun's Shift in Auto Shop Strategy01:14:51 "Perspective and Self-Improvement Insights"01:17:37 "Beyond Fixing Cars"

Craig Jeffery talks with Paul McMeekin of Bottomline about the latest Treasury Fraud & Controls Survey findings and what they reveal about today's threat landscape. From AI-generated fraud and deepfakes to payment rail changes and rising losses among small businesses, this episode covers practical defenses for a fast-evolving fraud environment. Access the 2025 Treasury Fraud & Controls Survey and learn more at bottomline.com.

In this episode, Mary breaks down the truth about type 2 diabetes that most people never hear. You'll learn how early blood sugar damage begins, why your A1C isn't all that matters, and the powerful connection between food addiction, emotional eating, and insulin resistance. If you've been told that diabetes “runs in your family” or “isn't your fault,” this episode will give you clarity, hope, and the real steps needed for healing. Discover why managing diabetes without addressing your relationship with food leads to short-lived results and how food sobriety can help you finally break the cycle for good.Enroll in Crush The Holidays Email Series - 21 days of emails to get you through the holidays food sober. Recipes, strategies, mindset …..www.foodfreedomwithmary.com/crushholidayseries Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

In this episode, Lex speaks Friederike Ernst, co-founder of Gnosis. Together, they explore the evolution of Gnosis from an Ethereum-based prediction market project into a major infrastructure provider powering over $100 billion in DAO treasuries and $10–15 billion in monthly DEX trading via CowSwap. Tracing the company's journey from a 2017 ICO raising $12.5 million in ETH (now worth ~$450 million) to spinning out critical tools like Safe, CowSwap, and Zodiac, all originally built for internal use.Despite their success, Gnosis recognizes that the crypto-native user base is limited and has now pivoted to building user-centric, mainstream products like the upcoming Gnosis App targeting Gen Z with real-world financial utility. The company emphasizes its founding mission of democratizing financial ownership and warns against complacency as incumbents like Stripe and Robinhood enter the space. Lastly, Gnosis sees a near-term opportunity in AI-agent driven commerce, especially through reverse advertising models that could unlock trillion-dollar markets.NOTABLE DISCUSSION POINTS:The $12.5M ICO That Became a $450M Treasury: Gnosis raised $12.5 million in ETH during their 2017 ICO when ETH was trading at $40. Through conservative treasury management and holding their ETH position, that initial raise has sustained the company for nearly a decade and grown to approximately $450 million today. Friederike attributes this to “conservative treasury management and sheer luck” — a remarkable case study in long-term crypto treasury stewardship.Polymarket Runs on Gnosis Infrastructure: Despite Polymarket's $10B+ valuation and mainstream recognition, it still uses Gnosis's conditional token framework that was written years ago. Friederike acknowledges being “a little salty” that infrastructure they built powers such a significant share of the on-chain prediction market economy without Gnosis directly benefiting financially. It's a stark illustration of the “first up the mountain” dynamic where pioneers clear the path but don't always capture the value.The 19th Century German Banking Parallel: Friederike draws a compelling historical analogy: impoverished German farmers in the 1800s faced predatory moneylenders charging 25-40% interest. They responded by forming collective community banks, lending to each other at 4-6%. Within decades, tens of thousands existed, and one-third of Germans remain members today. She positions crypto's ownership model as the modern equivalent — a cooperative financial revolution for a generation economically disenfranchised by incumbent systems.TOPICSGnosis, Gnosis Safe, CowSwap, Zodiac, CPK, Polymarket, Kalshi, ConsenSys, Ethereum, ETH, AI, AI Agents, ICO, Onchain, Governance, Crypto Treasury, Web3, Blockchain, Finance, Banking, Payments, Custody, WalletsABOUT THE FINTECH BLUEPRINT

Likefolio's Andy Swan looks at payment stocks, starting with Toast (TOST). He calls it an outlier, being a restaurant-only payment company, but is surging in web visits. It's “separating itself from the pack” and “winning the market,” but the stock is expensive. Shopify (SHOP) is leading their data, while Square (XYZ) is seeing contraction. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The wait is over, you can now join our trip to Greece! We'll be going to see the sacred sites, temples, museums and more.

In this episode of the Advancing Surgical Care Podcast, ASCA Chief Executive Officer Bill Prentice and ASCA Chief Advocacy Officer Kara Newbury discuss the 2026 final payment rule for ASCs released by the Centers for Medicare & Medicaid Services (CMS) on November 21. The 1,657-page rule establishes the inflation update for Medicare payments to ASCs, the expanded list of surgical codes that can be performed on Medicare beneficiaries in the ASC setting, significant changes to the ASC Quality Reporting Program and more. Prentice and Newbury break it all down in less than 20 minutes, providing essential guidance, information and resources for Medicare-certified ASCs in the year ahead.

[HECMWorld] Exclusive Interview: HighTech Lending's NEW Equity Select HELOC.  [FHFA] Here's the 2026 HECM limit! [Housing Wire] Here's how much Medicare Part B premiums and deductibles will increase in 2026. Watch our video podcast here!

DigiFin, Live-Bühne, Mikro an, Publikum vor Ort und mittendrin eine Frage, die vielen Banken und Versicherungen gerade Bauchschmerzen macht: Was passiert, wenn Kund:innen wirklich Zugriff auf ihre Finanzdaten bekommen?

This evening, we dive into the latest market movements with Makwe Fund Managers, the South African Reserve Bank provides details on new draft exemptions for certain payment activities by non-bank institutions, we examine Alexforbes' financial results, Anchor Capital discusses Remgro's intention to takeover Mediclinic's SA operations, the Bureau of Economic Research looks at the latest manufacturing data, and a tech journalist shares insights on Alibaba's new AI glasses. SAfm Market Update - Podcasts and live stream

Arif Ismail – Head: National Payment System, South African Reserve Bank SAfm Market Update - Podcasts and live stream

A special guest joins me to tell me his fascinating story of living out of his Tesla – by choice – for the past eight years. I hope you enjoy the conversation! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). 

In this episode of The WillPower Podcast, Will sits down with Pater Maher, CEO of Flote, the fast-rising fintech company redefining how money moves in the modern world.Pater is leading Flote's bold expansion across the U.S. — building what many insiders are calling the next generation of payment processing. We dive into how Flote is simplifying the way businesses get paid, why legacy payment rails are ripe for disruption, and what the future looks like when fintech is built for entrepreneurs, creators, and high-growth companies.You'll hear:The real problems with today's payment systems (and how Flote fixes them)How Pater thinks about innovation, risk, and scaling a fintech startupWhy U.S. expansion represents the biggest opportunity in digital paymentsThe mindset required to lead at the highest level in financial technologyHow entrepreneurs should prepare for massive shifts in the payments landscapeIf you're a founder, operator, or investor wanting a front-row seat to the future of money, this episode is a must-listen.Tune in and discover how Flote is reshaping payments from the ground up — and why Pater Maher believes we're just getting started.

In this powerful episode of the Food Freedom Podcast, Mary breaks down the truth about “treats” and why sugar, hyper-palatable processed carbs, and binge-trigger foods are anything but a reward. If you've ever told yourself you “deserve a treat,” this conversation will change the way you think about comfort eating, emotional eating, and addictive food patterns.You'll learn why drug foods create a cheap high that leads to guilt, anxiety, inflammation, cravings, and loss of control and why labeling them as a “treat” keeps you stuck in the binge-restrict cycle. Mary also shares practical tools for reframing what a real treat actually is, how to interrupt sabotage thoughts, and how to meet your emotional needs without turning to food.Whether you're healing from binge eating, emotional eating, food addiction, or compulsive eating, this episode will help you protect your food sobriety, reclaim your self-respect, and start choosing things that truly support your health and recovery.Enroll in Crush The Holidays Email Series - 21 days of emails to get you through the holidays food sober. Recipes, strategies, mindset …..www.foodfreedomwithmary.com/crushholidayseries Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

ACH payments cost contractors about one dollar per transaction instead of the percentage-based fees that credit cards charge, yet most construction businesses keep losing thousands annually because they haven't explored this straightforward alternative to traditional payment processing. Learn more: https://app.builderpaypro.com/. Builder Pay Pro City: Folsom Address: 101 Parkshore Dr #100 Website: https://builderpaypro.com/

Angelica in Europe: John Church, London Society, and Diplomacy — Molly Beer — Following ratification of the peace treaty, Angelica and her husband sailed to Paris to collect outstanding payments owed by the French government. John Carter leveraged the wartime amnesty to settle accumulated debts, reconcile with his estranged family, and legally adopt the name John Barker Church. Angelica relocated to London's elegant Mayfair neighborhood, where she established herself as a prominent American patriot. She strategically positioned herself at the intersection of cultural and diplomatic negotiations, entertaining influential figures including Lafayette and the Adamses, while exerting subtle influence over American diplomatic representatives toward negotiated peace. 1900 TICONDEROGA

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingPros Shop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Liz Perkins, shop owner, technician, and multi-business entrepreneur, along with Jesse Meddaugh from 360 Payments. Liz shares her journey of growing a business from shop operations to training and managing multiple ventures, emphasizing the importance of understanding and mastering the financial side of the company—even getting hands-on with bookkeeping for deeper insights. The conversation explores the impact of integrated consumer financing on shop sales and customer experience, with both Lucas and Liz highlighting how offering payment options can reduce stigma, increase approval rates, and empower customers.00:00 "Seamless Consumer Financing Growth"03:51 Streamlined Vehicle Financing Process08:30 Rising Costs of Car Repairs12:36 Guaranteed Results Over Cheap Fixes15:21 "Negative Impact of Free Diagnostics"17:00 "Choosing Free Diagnostics Wisely"20:40 "Working Mom's Struggles"23:26 North Carolina DMV Renewal Woes27:24 "Keep Growing, Keep Building"32:09 Quick Harness Installation Guide32:45 "Frustrated Mechanic Wrecks Harness"38:32 Bookkeeping vs. Accounting Confusion40:48 Understanding Business Fees43:53 DIY Accounting Confidence45:51 "Monthly P&L and Accounting"50:52 Efficient Scheduling for Long Commutes54:28 Tire Service Pricing Inquiry56:27 Balancing Growth vs. Staying Solo59:10 Grammar Concerns with Dashes

In this episode of the Food Freedom Podcast, Mary breaks down one of the most important concepts in mental health and food addiction recovery: the Thoughts → Feelings → Behaviors cycle. If you've ever wondered why you react the way you do, why certain situations trigger you, or why you keep repeating patterns that don't serve your recovery, this episode will help you finally understand what's happening beneath the surface.You'll learn how your thoughts and deep-rooted beliefs (often shaped by past experiences) create your emotional responses and how those emotions drive your behaviors, including binge eating, emotional eating, self-sabotage, and breaking your food sobriety. Mary shares simple, practical tools to help you interrupt the cycle, build awareness, and choose behaviors in line with recovery instead of defaulting to automatic patterns.This episode is a powerful reminder that your behavior is never random. There is always a reason and once you learn how to identify the thought–feeling–behavior loop, you can finally break free from the cycle that keeps you stuck.If you're working on food sobriety, emotional regulation, binge eating recovery, or healing your relationship with food, this episode will give you the mindset tools you need to create lasting change.Enroll in Crush The Holidays Email Series - 21 days of emails to get you through the holidays food sober. Recipes, strategies, mindset …..www.foodfreedomwithmary.com/crushholidayseries Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

À quoi ressemblera la banque du futur ? La question peut sembler lointaine, pourtant elle est déjà sur la table. Entre simplification du quotidien et création de valeur, l'intelligence artificielle s'impose déjà comme un nouveau standard pour le secteur bancaire. Dans cet épisode Hors-Série proposé par le Groupe BPCE, Yves Tyrode, directeur général Digital & Payments, décrypte comment cette révolution redessine les métiers et la relation client au sein du groupe.À écouter dès maintenant.Ce HORS-SÉRIE est proposé par le Groupe BPCE.Journaliste présentatrice : Alice Gren | Journaliste conception éditoriale : Thémïs Laporte | Réalisation : Datagora | Mixage : Adrien Beccaria | Directeur de la Production : Timothée Gidoin | Production exécutive : Timothée Gidoin Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Original Release Date: October 31, 2025Our Japan Financials Analyst Mia Nagasaka discusses how the country's new stablecoin regulations and digital payments are set to transform the flow of money not only locally, but globally.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mia Nagasaka, Head of Japan Financials Research at Morgan Stanley MUFG Securities. Today – Japan's stablecoin revolution and why it matters to global investors. It's Friday, October 31st, at 4pm in Tokyo. Japan may be late to the crypto market. But its first yen-denominated stablecoin is just around the corner. And it has the potential to quietly reshape how digital money moves across the country and globally. You may have heard of digital money like Bitcoin. It's significantly more volatile than traditional financial assets like stocks and bonds. Stablecoins are different. They are digital currencies designed to maintain a stable value by being pegged to assets such as the yen or U.S. dollar. And in June 2023, Japan amended its Payment Services Acts to create a legal framework for stablecoins. Market participants in Japan and abroad are watching closely whether the JPY stablecoin can establish itself as a major global digital currency, such as Tether. Stablecoins promise to make payments faster, cheaper, and available 24/7. Japan's cashless payment ratio jumped from about 30 percent in 2020 to 43 percent in 2024, and there's still room to grow compared to other countries. The government's push for fintech and digital payments is accelerating, and stablecoins could be the missing link to a truly digital economy. Unlike Bitcoin or other cryptocurrencies, stablecoins are designed to suppress price volatility. They're managed by private companies and backed by assets—think cash, government bonds, or even commodities like gold. Industry watchers think stablecoins can make digital payments as reliable as cash, but with the speed and flexibility of the internet. Japan's regulatory approach is strict: stablecoins must be 100 percent backed by high-quality, liquid assets, and algorithmic stablecoins are prohibited. Issuers must meet transparency and reserve requirements, and monthly audits are standard. This is similar to new rules in the U.S., EU, and Hong Kong. What does this mean in practice? Financial institutions are exploring stablecoins for instant payments, asset management, and lending. For example, real-time settlement of stock and bond trades normally take days. These transactions could happen in seconds with stablecoins. They also enable new business models like Banking-as-a-Service and Web3 integration, although regulatory costs and low interest rates remain hurdles for profitability.Or think about SWIFT transactions, the backbone of international payments. Stablecoins will not replace SWIFT, but they can supplement it. Payments that used to take days can now be completed in seconds, with up to 80 percent lower fees. But trust in issuers and compliance with anti-money laundering rules are critical. There's another topic on top of investors' minds. CBDCs – Central Bank Digital Currencies. Both stablecoins and CBDCs are digital. But digital currencies are issued by central banks and considered legal tender, whereas stablecoins are private-sector innovations. Japan is the world's fourth-largest economy and considered a leader in technology. But it takes a cautious approach to financial transformation. It is preparing for a CBDC but hasn't committed to launching one yet. If and when that happens, stablecoins and CBDCs can coexist, with the digital currency serving as public infrastructure and stablecoins driving innovation. So, what's the bottom line? Japan's stablecoin journey is just beginning, but its impact could ripple across payments, asset management, and even global finance. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

In this week's episode of the Merchant Sales Podcast, James Shepherd welcomes back Steven Morris for a direct and practical conversation about the mistakes agents commonly make when entering the merchant services industry. Steven shares real-world insights from the front lines, what slows agents down, what causes deals to fall through, and how new reps can build a stronger foundation for long-term success. After the interview, James and Patti Murphy team up for another insightful Today in Payments, covering the latest headlines and shifts shaping the payments landscape.

In this episode of the Food Freedom Podcast, Mary tackles a tough but transformative truth: your eating disorder (ED) is not an external monster with all the power. It's not the boogeyman. ED can plant thoughts but your response is 100% your responsibility.If you've ever said, “ED made me do it,” or felt like a victim of binge eating, compulsive food thoughts, or emotional eating, this episode will challenge your mindset and help you reclaim your power. Mary unpacks four common attitudes that sabotage recovery and keep you stuck in the binge-restrict cycle.You'll learn how to shift from blame to ownership, why discipline isn't diet culture, and how to stop outsourcing your healing.Recovery doesn't happen by fighting shadows. It happens when you stand in truth.

In this second part of my three-part series (catch Part I via episode 182), I dig deeper into the key idea that sales in commercial data products can be accelerated by designing for actual user workflows—vs. going wide with a “many-purpose” AI and analytics solution that “does more,” but is misaligned with how users' most important work actually gets done.   To explain this, I will explain the concept of user experience (UX) outcomes, and how building your solution to enable these outcomes may be a dependency for you to get sales traction, and for your customer to see the value of your solution. I also share practical steps to improve UX outcomes in commercial data products, from establishing a baseline definition of UX quality to mapping out users' current workflows (and future ones, when agentic AI changes their job). Finally, I talk about how approaching product development as small “bets” helps you build small, and learn fast so you can accelerate value creation.    Highlights/ Skip to: Continuing the journey: designing for users, workflows, and tasks (00:32) How UX impacts sales—not just usage and  adoption(02:16) Understanding how you can leverage users' frustrations and perceived risks as fuel for building an indispensable data product (04:11)  Definition of a UX outcome (7:30) Establishing a baseline definition of product (UX) quality, so you know how to observe and measure improvement (11:04 ) Spotting friction and solving the right customer problems first (15:34) Collecting actionable user feedback (20:02) Moving users along the scale from frustration to satisfaction to delight (23:04) Unique challenges of designing B2B AI and analytics products used for decision intelligence (25:04) Quotes from Today's Episode One of the hardest parts of building anything meaningful, especially in B2B or data-heavy spaces, is pausing long enough to ask what the actual ‘it' is that we're trying to solve. People rush into building the fix, pitching the feature, or drafting the roadmap before they've taken even a moment to define what the user keeps tripping over in their day-to-day environment.   And until you slow down and articulate that shared, observable frustration, you're basically operating on vibes and assumptions instead of behavior and reality.   What you want is not a generic problem statement but an agreed-upon description of the two or three most painful frictions that are obvious to everyone involved, frictions the user experiences visibly and repeatedly in the flow of work.   Once you have that grounding, everything else prioritization, design decisions, sequencing, even organizational alignment suddenly becomes much easier because you're no longer debating abstractions, you're working against the same measurable anchor.   And the irony is, the faster you try to skip this step, the longer the project drags on, because every downstream conversation becomes a debate about interpretive language rather than a conversation about a shared, observable experience. __ Want people to pay for your product? Solve an *observable* problem—not a vague information or data problem. What do I mean? “When you're trying to solve a problem for users, especially in analytical or AI-driven products, one of the biggest traps is relying on interpretive statements instead of observable ones.   Interpretive phrasing like ‘they're overwhelmed' or ‘they don't trust the data' feels descriptive, but it hides the important question of what, exactly, we can see them doing that signals the problem.   If you can't film it happening, if you can't watch the behavior occur in real time, then you don't actually have a problem definition you can design around.   Observable frustration might be the user jumping between four screens, copying and pasting the same value into different systems, or re-running a query five times because something feels off even though they can't articulate why.   Those concrete behaviors are what allow teams to converge and say, ‘Yes, that's the thing, that is the friction we agree must change,' and that shift from interpretation to observation becomes the foundation for better design, better decision-making, and far less wasted effort.   And once you anchor the conversation in visible behavior, you eliminate so many circular debates and give everyone, from engineering to leadership, a shared starting point that's grounded in reality instead of theory." __ One of the reasons that measuring the usability/utility/satisfaction of your product's UX might seem hard is that you don't have a baseline definition of how satisfactory (or not) the product is right now. As such, it's very hard to tell if you're just making product *changes*—or you're making *improvements* that might make the product worth paying for at all, worth paying more for, or easier to buy. "It's surprisingly common for teams to claim they're improving something when they've never taken the time to document what the current state even looks like. If you want to create a meaningful improvement, something a user actually feels, you need to understand the baseline level of friction they tolerate today, not what you imagine that friction might be. Establishing a baseline is not glamorous work, but it's the work that prevents you from building changes that make sense on paper but do nothing to the real flow of work. When you diagram the existing workflow, when you map the sequence of steps the user actually takes, the mismatches between your mental model and their lived experience become crystal clear, and the design direction becomes far less ambiguous. That act of grounding yourself in the current state allows every subsequent decision, prioritizing fixes, determining scope, measuring progress, to be aligned with reality rather than assumptions. And without that baseline, you risk designing solutions that float in conceptual space, disconnected from the very pains you claim to be addressing." __ Prototypes are a great way to learn—if you're actually treating them as a means to learn, and not a product you intend to deliver regardless of the feedback customers give you.  "People often think prototyping is about validating whether their solution works, but the deeper purpose is to refine the problem itself. Once you put even a rough prototype in front of someone and watch what they do with it, you discover the edges of the problem more accurately than any conversation or meeting can reveal. Users will click in surprising places, ignore the part you thought mattered most, or reveal entirely different frictions just by trying to interact with the thing you placed in front of them. That process doesn't just improve the design, it improves the team's understanding of which parts of the problem are real and which parts were just guesses. Prototyping becomes a kind of externalization of assumptions, forcing you to confront whether you're solving the friction that actually holds back the flow of work or a friction you merely predicted. And every iteration becomes less about perfecting the interface and more about sharpening the clarity of the underlying problem, which is why the teams that prototype early tend to build faster, with better alignment, and far fewer detours." __ Most founders and data people tend to measure UX quality by “counting usage” of their solution. Tracking usage stats, analytics on sessions, etc. The problem with this is that it tells you nothing useful about whether people are satisfied (“meets spec”) or delighted (“a product they can't live without”). These are product metrics—but they don't reflect how people feel. There are better measurements to use for evaluating users' experience that go beyond “willingness to pay.”  Payment is great, but in B2B products, buyers aren't always users—and we've all bought something based on the promise of what it would do for us, but the promise fell short. "In B2B analytics and AI products, the biggest challenge isn't complexity, it's ambiguity around what outcome the product is actually responsible for changing.   Teams often define success in terms of internal goals like ‘adoption,' ‘usage,' or ‘efficiency,' but those metrics don't tell you what the user's experience is supposed to look like once the product is working well.   A product tied to vague business outcomes tends to drift because no one agrees on what the improvement should feel like in the user's real workflow.   What you want are visible, measurable, user-centric outcomes, outcomes that describe how the user's behavior or experience will change once the solution is in place, down to the concrete actions they'll no longer need to take.   When you articulate outcomes at that level, it forces the entire organization to align around a shared target, reduces the scope bloat that normally plagues enterprise products, and gives you a way to evaluate whether you're actually removing friction rather than just adding more layers of tooling.   And ironically, the clearer the user outcome is, the easier it becomes to achieve the business outcome, because the product is no longer floating in abstraction, it's anchored in the lived reality of the people who use it."   Links Listen to part one: Episode 182  Schedule a Design-Eyes Assessment with me and get clarity, now.

In this episode of the Food Freedom Podcast, Mary breaks down the hidden beliefs and old narratives that keep women stuck in the cycle of binge eating, emotional eating, and food addiction. If you've ever had someone's comment, criticism, or opinion stick with you for YEARS and you've realized it's shaped how you see yourself, your body, or your ability to stay food sober this episode will help you rewrite that old story. Mary explains how other people's opinions, insecurities, and projections get internalized… and how to finally take your power back. This is a direct, eye-opening conversation for anyone who wants true food freedom, food sobriety, and recovery from disordered eating. If you're tired of letting old messaging run the show in your mind it's time for a new story. Listen in to learn how.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Today we're joined by Jay Yu (@0xfishylosopher), research & partner @panteracapital, to discuss x402; a blockchain based micropayments solution built around the 402 HTTP status code.We cover:- Stablecoin payments through HTTP 402- Real-world use cases and current pilot implementations- Wallet adoption trends- Facilitators like Coinbase and market share breakdown- The evolving facilitator landscape and parallels to block building- Comparisons to other payment frameworks like ERC-4804And much more—enjoy!—Timestamps:(00:00) Introduction (05:16) Why 402 was never used(06:03) Giving 402 a stablecoin-powered makeover(11:21) UX tradeoffs vs. new micropayment opportunities(15:35) Use case ideation and ecosystem players(20:23) Adoption status today(23:38) Live applications beyond memes?(25:54) Wallet adoption trends and user numbers(28:20) Facilitator market share(29:57) Facilitator business models and stablecoin swaps(31:55) BD dynamics and payment routing(36:23) Competing protocols like ERC-4804(43:14) Stablecoins, regulation, and the next 3 years(43:40) Outro—Follow the guest:https://x.com/0xfishylosopherFollow the co-hosts:https://x.com/hildobbyhttps://x.com/0xBoxerhttps://x.com/sui414Follow the Indexed Podcast:https://twitter.com/indexed_pod—The Indexed Podcast discusses hot topics, trendy metrics and chart crimes in the crypto industry, with a new episode every 1st and 3rd Thursday of the month, brought to you by wizards @hildobby_ @0xBoxer @sui414.Subscribe to our channel and leave a comment to help us make the pod better!—DISCLAIMER: All information presented here should not be relied upon as legal, financial, investment, tax or even life advice. The views expressed in the podcast are not representative of hosts' employers views. We are acting independently of our respective professional roles.

I quantum jumped into a waterfront home 6 months after attempted suicide and divorce . Here's the neuroscience behind why grief unlocks quantum leaps—and the exact 10-minute protocol I used. 

The captain of an A380 that experienced an uncontained engine failure, paying air traffic controllers during a shutdown, a $10,000 bonus for those who worked, NTSB preliminary report on UPS Flight 2976, a request for information on a new ATC system, dressing better when flying commercially, and going through airport security without a Real ID. Guest Richard De Crespigny was the captain of Qantas Flight QF32 on November 4, 2010, when one of the plane's Rolls-Royce Trent 900 engines experienced an uncontained engine failure. The A380 had just taken off from Singapore. Richard and his crew managed to get everyone home safely, and the story has since become a bit of a legend in Australian flying circles. Richard is a former RAAF pilot, has written books, given keynotes around the world, and now hosts his own podcast on resilience and leadership called FLY! Richard explains that the uncontained engine failure on Qantas Flight QF32 involved the Number 2 engine. This resulted in extensive damage to the aircraft and many system failures. Five pilots were in the cockpit, and they formed a “hive mind,” making hundreds of decisions to stabilize the aircraft, which took two hours. A hundred checklists were actioned in the air, and more when the A380 was back on the ground. The incident was so complex that it has been characterized as “Apollo 13 with passengers.” We learn what was said in the cockpit during the first 30 seconds, and how the cabin crew performed because the flight deck could not communicate with them. In his mind, Richard set up to perform an “Armstrong Spiral” in case all four engines went out when landing the plane. On approach, speed and stall warnings were sounding constantly because the systems could not handle all the damage. Richard explains why he decided not to immediately evacuate the passengers due to the dangers outside. This uncontained engine failure crippled the A380, yet the crew was able to manage the situation and there were no injuries. Richard speaks frequently of “resilience” and how that characteristic worked to their advantage.  QF32 uncontained engine failure. From the FAA Airbus A380-842 report, crediting the ATSB accident report. Since the incident, Richard has published several books: QF32 tells the story of what happened. It was published before the investigators made all the facts public, so Richard had to hold back. However, a new edition will fill in the missing pieces. The newer book Fly! tells the how and the why. Check out: The FLY! Podcast with Richard De Crespigny, available on Apple / Spotify / Omny, or wherever you listen to podcasts. The QF32 book and the FLY! book. Reach Richard at richardd@aeronaut.biz. Aviation News US airline group urges Congress to pay controllers during future shutdowns Trade group Airlines for America (A4A) wants to see air traffic controllers get paid during future government shutdowns. Chris Sununu, A4A President and CEO, said, “This shutdown has demonstrated the serious safety, human and economic consequences of subjecting the aviation sector to this kind of stress and chaos. It must never happen again.” Air Traffic Controllers Say $10,000 Shutdown Bonuses Are Tearing the Workforce Apart – And Jeopardize Safety The Administration wants to give air traffic controllers and TSA screeners $10,000 if they had perfect attendance during the shutdown. DOT Secretary Sean Duffy said this would apply to 776 employees. Some controllers are expressing their displeasure with this move. UPS Flight 2976 Crash During Takeoff The NTSB has issued a Preliminary Report [PDF] on the UPS Flight 2967 MD-11F accident November 4, 2025. The airplane, N259UP, was destroyed after it impacted the ground shortly after takeoff from runway 17R at Louisville Muhammad Ali International Airport (SDF), Louisville, Kentucky. The 3 crewmembers aboard the airplane and 11 people on the ground were fatally injured. There were 23 others on the ground who were injured. Still images from an airport surveillance video show the left engine and left pylon separation from the left wing. The left pylon aft mount's forward and aft lugs were both found fractured. The fractured and separated upper portions of the forward and aft lugs were found adjacent to runway 17R. The left wing clevis, aft mount spherical bearing, and aft mount attachment hardware were found with a portion of the left wing at the accident site. The spherical bearing outer race had fractured circumferentially. FAA Issues Request for Information on New ATC System The FAA aims to replace the current En Route Automation Modernization system (ERAM) and the Standard Terminal Automation Replacement System (STARS) with a single, unified system, known as the Common Automation Platform (CAP). The Agency's Request For Information [PDF] asks the public to answer a series of questions. Transportation Secretary Sean Duffy Urges Passengers To Dress Better — But That Won't Fix Today's Inflight Behavior Problems DOT Secretary Sean Duffy tweeted that “Manners don't stop at the gate. Be courteous to your fellow passengers. Say please and thank you to your flight crews. Dress with respect. Lend a hand to those who could use it. It’s time to bring back civility and respect when we travel.” See also: Sean Duffy Wants You To Get Dressed Up When You Fly: “It's Time to Bring Back Civility And Respect When We Travel” No Real ID or passport? The TSA may charge you $18 to go through security May 7, 2025, was the date that Real ID was enforced at TSA checkpoints. Travelers must produce a Real ID-compliant driver’s license, a passport, a Global Entry card, or other approved document. The TSA is now proposing that travelers without one of those approved documents can still pass through airport security checkpoints. However, they can expect to pay an $18 fee for additional screening. The TSA has issued a Notice of Proposed Rulemaking (NPRM) in the Federal Register: TSA Modernized Alternative Identity Verification User Fee. The fee grants access to secure airport areas for up to 10 days and covers multiple flights. Payment of the fee does not guarantee entry; travelers must successfully authenticate their identity each time, and they may still face additional screening or delays.​ The collected fee is intended to offset government costs for new biometric verification kiosks, customer service improvements, and system updates.​ Hosts this Episode Max Flight, Rob Mark, and our Main(e) Man Micah.

Crypto News: Texas becomes the FIRST state to purchase Bitcoin with a $5 million investment in BlackRock's BTC ETF IBIT. Klarna enters crypto with new USD stablecoin built on Stripe's Tempo chain. Kevin Hassett, who has crypto ties, rises to the front in Fed Chair search. Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

Struggling with holiday food stress? You're not alone.In this episode of the Food Freedom Podcast, Mary breaks down why big holiday meals often trigger food anxiety, emotional eating, and old diet trauma and how to finally stop the binge/restrict cycle that shows up every year.You'll learn:• Why big meals create food anxiety (and why it's not about willpower)• The pendulum effect and how “being good” leads to losing control• What emotional weight has to do with holiday eating challenges• The myth of scarcity and how to stop “last-chance” eating• Three mindset shifts that help you feel calm, grounded, and in control• How to enjoy the holiday without guilt, shame, or post-meal regretIf you want this holiday season to feel different, peaceful instead of panicked, steady instead of reactive, food sober instead of out of control then this episode will walk you through exactly how to get there.Perfect for anyone navigating binge eating, emotional eating, food addiction, or the pressure of “holiday eating rules.”Tune in and learn how to protect your food sobriety, stay connected to yourself, and enjoy the season without losing your peace.Enroll in Crush The Holidays Email Series - 21 days of emails to get you through the holidays food sober. Recipes, strategies, mindset …..www.foodfreedomwithmary.com/crushholidayseries Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Send us a text if you want to be on the Podcast & explain why!What if your entire coaching business—programming, payments, client feedback, and messaging—lived in one clean, simple place you actually enjoy using? We sit down with Noah, a former baseball player and health coach who joined Superset after discovering how much better training can be when systems work with you, not against you. His story moves from early interests in lifestyle coaching and Z-Health to building features that reflect what coaches really need: speed, clarity, and client results.We dig into practical training insights first: why vestibular and visual drills belong in warm-ups, how a 30-second eyes-closed balance test reveals coordination gaps, and what that means for athletes and aging clients alike. Then we move into the business backbone. Superset's spreadsheet-style builder, Superset Sheets, lets you drag in programs from spreadsheets, PDFs, or videos and instantly translate them into a polished client app. AI tools help speed up programming and synthesize client notes so you can adjust plans without drowning in admin. The activity feed centralizes videos, comments, and progress updates, replacing scattered texts with a structured, searchable dialogue.If you've felt the chaos of juggling Excel, Venmo, and endless DMs, the platform's integrated payments via Stripe, built-in exercise library, and customizable content put everything under one roof. New coaches can use the 14-day trial, add themselves as a test client, and get comfortable with real workflows before onboarding clients. For growing businesses, the pricing scales predictably, and the team ships features based on daily feedback from working coaches—so the product evolves with your needs.Ready to focus on outcomes instead of overhead? Hit play to learn how to set clear boundaries, streamline your tools, and deliver coaching that scales without losing the personal touch. If you enjoy the conversation, subscribe, share it with a fellow coach, and leave a quick review to help others find the show.Want to ask us a question? Email email info@showupfitness.com with the subject line PODCAST QUESTION to get your question answered live on the show! Our Instagram: Show Up Fitness CPT TikTok: Show Up Fitness CPT Website: https://www.showupfitness.com/Become a Personal Trainer Book (Amazon): https://www.amazon.com/How-Become-Personal-Trainer-Successful/dp/B08WS992F8NASM / ACE / ISSA study guide: https://www.showupfitness.com/collections/nasm

In this conversation, Edwin discusses the evolving landscape of real estate investment and lending, emphasizing the importance of understanding investor needs and the shift towards more flexible financing options. He highlights the unique position of Axios Mortgage in providing tailored solutions for both fix-and-flip projects and multifamily investments, while also addressing the challenges and opportunities in the current market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

We're starting out this holiday week talking about one of Clark's great loves - warehouse clubs. Clark discusses how the warehouse club business model works to offer consumers lower prices & how the big three are dominating sales. Also - With AI perfecting voice cloning and all types of scams in general, there's now a necessary step for every family to take to protect each other and help prevent scams.  The Warehouse Club Advantage: Segment 1 Ask Clark: Segment 2 Your Family Code Word: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Warehouse Clubs Archives - Clark Howard Automatic Bill Pay: How It Works and How To Do It Safely How Long Will It Take for My Credit Score To Go Up if I Missed a Payment? Why Every Family Needs a Code Word Is It Ever OK To Co-Sign a Loan With a Family Member? Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A labor and delivery nurse who ran Senate healthcare policy now manages $1.7 trillion in federal health spending—and she runs her team like a startup.Steph Carlton, Chief of Staff and Deputy Administrator at CMS, reveals the OKRs driving Medicare and Medicaid, why they're killing social determinants funding while building consumer health apps at scale, and how real-time provider data could collapse the 18-month lag between care delivery and payment. The team mixing founders with policy veterans is rewriting quality measures around VO2 max and app engagement, not just disease management—because preventing illness years before it happens might finally be worth more than treating it after. Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://x.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see http://a16z.com/disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tesla's radically advanced AI5 FSD chip has been delayed, so I'll discuss what that means for prospective Tesla buyers and for the Cybercab. Plus: Tesla fights another US state's direct-sales ban, Porsche unveils an impressive new EV, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!).