Podcasts about payments

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://geni.us/Shop-Ware-Free-MonthTransform 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/ShopMarketingProsShop 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 a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Trey Holley, a shop owner from Thomaston, Georgia. Trey shares his journey from being a lifelong mechanic to learning the ropes of business ownership, highlighting the unique challenges faced in small Southern towns. The conversation touches on the importance of supporting fellow shop owners rather than viewing them purely as competitors, and Trey offers insight into the work-life balance struggles that led him to prioritize both his health and the building of a strong, supportive team.00:00 Atlanta airport's massive scale03:41 Long walks at airports06:27 Thunder Valley racetrack experience10:30 Southern business challenges with generosity13:29 Overwhelmed by business demands19:09 New guy in town setting up20:59 University town business challenges22:34 Building Industry Relationships26:46 Discussing business challenges with spouse31:14 Discussing labor cost strategy35:32 Quality control and final checks38:55 Balancing work and family time40:33 Dealing with family anxiety44:57 Balancing multiple responsibilities47:21 Discovering the Enneagram for Communication49:12 On choosing the right people

In this episode of the Industry Spotlight, joining host Sam D'Arc are Travis Siebert, SVP at DealerPay, and Kris Towle, Chief Accounting Officer at Niello Company to discuss why one of the auto industry's oldest processes, collecting cash and checks from parts and service customers, still costs dealerships money, time, and trust. They speak candidly about the safety risk of sending drivers out with cash, why most dealerships never question an outdated process until something goes wrong, and why live phone support, not just software, is what keeps a group this size from ever looking at another vendor. They explain: ◼ Why parts delivery drivers ended up doing accounting work they were never trained for ◼ How a single bounced check could cost a full week of chasing down payment ◼ Why missing cash on a delivery route became an uncomfortable question nobody wanted to ask ◼ Why the switch to mobile payments meant money was in the bank the very next morning ◼ Why Niello Company has never looked at another payments partner since making the switch This episode of the Car Dealership Guy Podcast is brought to you by DealerPay. Topics: 02:50 Fixed Ops Causes More Accounting Headaches. 04:30 Drivers Make Terrible Accountants. 05:50 Cash In Trucks Is A Theft Problem. 06:45 Selling Nationwide Hurts Local Retention. 09:50 Dealerships Are Slow To Adopt Digital Payments. 12:15 Onsite Training Eliminates Employee Pushback. 13:10 One-Person Payment Eliminates Customer Confusion. 14:20 Digital Reporting Shows Exactly Who Took Money. 17:05 Answering The Phone Beats AI Every Time. 18:50 Showing Up Matters More Than Technology. 22:50 Accounting Touches Every Part Of The Business. 23:50 Dennis Pushes Harder Than Tully Does. DealerPay - Dealer Pay is the payment platform built exclusively for car dealerships, connecting fixed ops, variable ops, and back office with sub-10-second, card-present transactions and automated reconciliation, whether it's at the counter, the service drive, or a mobile delivery. Visit @ here to see how it works for your dealership. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cdgcircles.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Crypto News: Bitcoin and altcoins see price pullbacks. Fed chair Kevin Warsh comes out hawkish hinting at rate hikes. Investors at least $4.7 billion underwater across Trump crypto ventures, Public Citizen says.

Investors are keeping a close eye on Jackson Hole for signals on the economic outlook and the path for rates. Our Chief U.S. economist Michael Gapen joins Global Head of Macro Strategy Matthew Hornbach to discuss whether markets get what they want—or what the Fed needs.Read more insights from Morgan Stanley.----- Transcript -----Matt Hornbach: Welcome to Thoughts on the Market. I'm Matthew Hornbach, Global Head of Macro Strategy at Morgan Stanley. Michael Gapen: And I'm Michael Gapen, Chief U.S. Economist. Matt Hornbach: Today, we'll be discussing the Jackson Hole Economic Symposium and Chairman Warsh's opening remarks. It's Thursday, August 27th at 10am in New York. So, Mike, let's get right into it and talk about the upcoming opening remarks by Chairman Warsh at the Jackson Hole Economic Symposium that will be delivered to the public at 10 am tomorrow, Friday. How are you thinking about what to expect from those opening remarks? Michael Gapen: Well, historically, and by historically, I mean in a post-2008-2009 world, Jackson Hole has been used, not every year, but frequently as a venue to communicate to markets. The longest gap on the Fed's meeting calendar is between the July and September meetings. So, Jackson Hole falls between that and provides a useful opportunity to communicate what might be coming. That's what's normally been done. Warsh has repeatedly stated he wants the Fed to talk less and communicate less and say less. So, I don't think we will see or hear, in this case, a lot about his views about how the economy is operating today and how monetary policy may be conducted into year-end. So, I don't think we'll hear a lot about, say, the December; the outlook for the economy from September to December, and what it might imply for interest rate policy or balance sheet policy. So, little in the way of near-term forward guidance. I do think, however, he did say in the July press conference that the venue would be good to tackle some of these big questions that he has talked about, that he's created these task forces for. So, whether it is the balance sheet or the inflation framework, or communication or AI and productivity or data quality and so forth. This would provide, I think, a reasonable opportunity for him to start talking about that. I don't think maybe we'll get a lot of conclusions. But I would look for commentary that's more in the question; or in the spirit of those big questions and less about the near-term conduct of policy.So maybe not what markets want, but this is what markets will get. Matt Hornbach: Just rewinding a bit, the conference itself is on a somewhat of a niche topic. What exactly is the conference about? And, in terms of the papers that get released at the conference, do you have any sense as to where they might be headed? Michael Gapen: So, the topic of this conference, the economic symposium, as you noted, is Financial Innovation: [its] Implications for [the] Payments [system] and [monetary] Policy. So, I would expect there to be a lot of sessions for things like central bank digital currencies or stable coins or Bitcoins. Near money type innovation that has happened in recent years, which leads to things like competition for deposits from the non-financial sector vis-a-vis the financial sector. So, a competition of near moneyness to money, if you will. Its implications for the interaction between the non-financial system and the financial system, competition for deposits. Does it create risks around financial disintermediation? And therefore, how might the regulatory environment and monetary policy work in that world? So little more, I'll call it, esoteric and maybe arm's length from the day-to-day conduct of policy. But I would look at the speeches probably in that vein. Deposit competition, financial market stability, and what kind of regulatory framework might you need to ensure we can still conduct policy effectively in that world. Matt Hornbach: Sounds like an exciting set of papers… Michael Gapen: Yes. Yes. Matt Hornbach: … for professors to read through. Michael Gapen: This is why they don't often leak the schedule too far in advance, right? We all might decide not to listen. Matt Hornbach: Indeed. Well, it is the end of August, and people are probably still on holiday here and there… Michael Gapen: I'm doing my best, but you called me in today. Matt Hornbach: Yeah, the least I could do. So, you did mention that this might be an opportunity for Chairman Warsh to maybe spotlight a bit these task forces and the topics that they're tackling, one of which is the inflation framework. And that word framework, I think, is important because the investors that we've been speaking with are frustrated that the Fed has not really laid out a framework – for monetary policymaking in this new era of Chairman Warsh, and his leadership at the Fed. So, I'm curious, if we're not going to get forward guidance on monetary policy and what will happen at the next meeting. And we're also not going to get much forward guidance on the framework that the Fed is using to decide on what to do with short-term interest rates. What are we meant to think about the framework? Michael Gapen: Yeah, I think ultimately, of course, we're going to need to know this, and this is what economists would refer to as the ‘difference between forward guidance and the "reaction function." So, the framework is really, you've got a set of tools, how do you intend to use them to achieve your objectives? A conventional Fed would say, "Well, if interest rates are low and inflation's too high, then we should raise rates," right? So high inflation brings high interest rates, low inflation brings low interest rates. All else equal, there's still the employment side of the mandate, of course. And the market had that view, at least initially, right? As we were in the June-July period and Warsh was talking hawkishly, the curve generally flattened. Expectations for front-end yields moved higher, and inflation-fighting credibility maybe kept the back end stable or brought the back end down. So, you could argue the markets looked at Warsh as maybe bringing a conventional reaction function and a conventional framework. But in the June and July FOMC meeting and in conversations with the press during the press conferences, Warsh – I don't want to say backtracked. He just didn't validate that and did say that we will achieve price stability. Didn't quite say how he would use the tools to do that. And even suggested maybe interest rates weren't the primary mechanism with which to influence, create, deliver price stability. So, the curve then steepened out. So, I think the market is wondering what Fed chair we have and what his reaction function is? And if inflation's running hot, is it an interest rate answer or is it a balance sheet answer? I'd also just add one last thing, Matt, is it makes a difference what the rest of the 18 people on the FOMC think. [Be]cause I think you would agree, and I'll put forward right now, I think they have a largely conventional view. Half of the committee thought it was time to raise rates in June. So, we have a balance between not knowing the chair's framework and having to intuit it. Or hope that we hear more. But then also knowing the other 18 who could band together and have greater voting power act in a largely conventional framework. I think that's the debate and the dilemma that we're all dealing with. Matt Hornbach: Yeah, I think investors, have certainly expressed frustration about the lack of guidance in any form or fashion. Perhaps with the exception of the balance sheet; we have a general idea that the balance sheet will be smaller in the future. And we have a sense from what Chairman Warsh has said in front of the House of Representatives during his semi-annual testimony that any changes would happen gradually over time. But, in terms of the pricing of the July meeting, and what happened at the July meeting, investors were very disappointed that the Fed did not go ahead and raise rates in July. Now, the market was only assigning about a one in three odds of a rate hike in July. And so, the fact that the Fed did not go ahead and raise interest rates in July was not a surprise in the sense of market pricing. But I do sense that investors were frustrated; that because they didn't get much forward guidance going into the July meeting, that the market might not have priced more probability on a July rate hike because the Fed, in fact, did not signal that they were leaning in that direction. But I see it as somewhat ironic because it seems to me, and I'd like to get your view on this. It seems to me that Chairman Warsh doesn't want to provide that type of specificity. He'd rather have the markets tell him what to do at an upcoming meeting, as opposed to him telling markets what to do at an upcoming meeting. How do you think about that? Michael Gapen: Oh, I think it's… [It] strains credibility to think that by saying nothing, you get the market's interpretation of the economy, data, and events – without the market thinking what the Fed thinks about it. I don't think that there's a world where you get the unvarnished market expectation independent of the Fed. So, I don't personally agree in the analogy of the market should play the ball and not the referee. The Fed is not a referee in markets. The Fed is a player in markets. Monetary policy acts through financial markets to achieve a set of financial conditions to deliver price stability and maximum employment. So, the Fed and markets are on the field at the same time. The Fed, in some ways, is the 800-pound gorilla on the field at the same time. So, everybody else on the field has to know what the gorilla is doing in order to do what they're supposed to do. Yes, there's always some circularity between Fed communication and market reaction to that. But I think that's natural and normal and important in making monetary policy effective – meaning it has to transmit through financial markets. And so, you could diminish the effectiveness of monetary policy if you don't tell the market what, at least what your framework is and what your reaction function is. And the tools that you intend to use and how you would intend to use them. Then the market could be an inefficient transmitter of monetary policy. So, I disagree with the notion that by saying less, the Fed learns more. But that's my view. I'm one of many. That's my opinion. The chair obviously has a different view. Matt Hornbach: Well, I can certainly understand not wanting to be the referee, especially after what we saw at the World Cup. There were a couple of games where the referee… Michael Gapen: And nobody likes the referee. At least half the people are upset with the referee. Matt Hornbach: Indeed. Okay. So, Mike, I think we're going to leave it there. Michael Gapen: Thanks for having me on, Matt. Matt Hornbach: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Get a $230 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Tiffany Funk now runs Flying Blue, and the first big change on her watch makes the cheapest business class awards look a lot like basic economy. We get into what got stripped out, why the fix conveniently runs through their status program, and why that status ladder makes Mark want to lie down. It is not just airlines either, and Caesars and Carnival both proved it this same week. Plus PenFed kills the free version of a card people were milking, Citi's AAdvantage Executive is at 125,000 miles with a family lounge perk nobody else offers anymore, inKind has another $50 off $100 in the links below, and Rakuten's card offers are back. Let us know in the comments if decoupling lounge access from awards is fair or just another devaluation. Episode Guide: 0:00 Welcome to MTM Travel 0:23 Our Tiffany Funk Problem 2:28 Flying Blue Makes Business Class Awards Basic Economy 5:35 Status Is the Fix (and Flying Blue's Status Ladder Is a Mess) 8:00 Loyalty Programs Reward Spenders, Not Flyers 10:06 Melio: $230 Gift Card After a $500 Payment 11:33 PenFed Phases Out the Free Pathfinder 14:01 Citi AAdvantage Executive at 125K 17:12 inKind: $50 Off $100 Is Back 19:15 Rakuten Card Offers Return 21:43 Final Thoughts Links InKind - https://www.milestomemories.com/go/inkind  Penfed - https://milestomemories.com/penfed-credit-card/ Flying Blue status/changes - https://milestomemories.com/flying-blue-changes/ https://liveandletsfly.com/flying-blue-business-light-awards/ Rakuten offers - https://milestomemories.com/rakuten-credit-card-offers/ $50 off $100 InKind promo - https://milestomemories.com/inkind-offering-50-off-your-next-100-meal/ AA 125K - https://milestomemories.com/citi-aadvantage-executive-card-new-125k-bonus/ ✈️ Track your travel credit cards for free

Crypto News: SEC resurrecting U.S. crypto custody rule the previous administration failed to land. Bank of America, Wells Fargo, Santander & over a dozen major banks move forward with plans to launch a crypto stablecoin. Ripple's RLUSD stablecoin crosses $2B in market cap, with $963M issued on the XRP Ledger and $1.1B on Ethereum.

Learn the "Rent Replacement Strategy," a powerful framework to turn your monthly rent into wealth, even if you feel priced out.This episode introduces the "Rent Replacement Strategy," a new playbook for aspiring First Time Homebuyers to overcome the fear of being "house poor." You'll discover why a simple rent vs. mortgage comparison is dangerously incomplete, and how a full seven-column analysis reveals how a slightly higher mortgage payment becomes a powerful wealth-building tool through forced savings, fixed costs, appreciation, and significant tax benefits. Stop waiting and learn how to leverage your largest monthly expense into your financial future."A rent payment versus a mortgage payment that is not apples to apples. It's like apples compared to a full course meal."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is comparing rent to a mortgage payment a "dangerously incomplete" formula?What's the powerful 7-column spreadsheet that reveals true homeownership wealth?How can you transform your rent payment into a forced savings account and long-term asset?Why does waiting for a market crash actually cost you money, even in a flat market?What are the massive tax benefits of owning a home that renting simply can't offer?How can your first home be a tool to build your "dream life," not just a "dream home"? Referenced Episodes & Resources460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?512 – What's Going On with the Housing Market? - PART 1 - Summer 2026 First-Time Homebuyer Update513 – First-Time Homebuyer Headlines & Scams - PART 2 - Summer 2026 Housing Market Update457 – First Time Homebuyers: Buy or Wait in 2026? (March Housing Market Update)464 – This ONE Myth is Killing First Time Homebuyers in 2026522 – Low Down Payment Strategies – First Time Homebuyer Options in This Economy426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7447 – First-Time Homebuyer Tax Strategy to Qualify for a Better Mortgage (Interview w/ Dan Mullens, CPA)423 – Using Your 401(k) - Financially Prepare to Buy Your First Home - Pt. 6490 – First Time Homebuyer Pros & Cons: New Build vs. Resale488 – 8 First Time Homebuyer Tips to Beat High Interest RatesHowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Soft freight demand would normally suggest plenty of available trucking capacity. Q2 2026 told a different story.   In this episode of Supply Chain Now, Scott W. Luton is joined by Karin Bursa, Bobby Holland, Director of Freight Business Analytics at U.S. Bank, and Dr. Jason Miller, Eli Broad Endowed Professor of Supply Chain Management at Michigan State University, to unpack the latest U.S. Bank Freight Payment Index. They examine why shipments remained subdued while shipper spending climbed sharply, including a nearly 28% year-over-year national increase in spending.   The conversation covers regional freight conditions, tightening capacity, housing weakness, import activity, fuel costs, and the surge in physical infrastructure supporting AI and data centers. Bobby and Jason also share what supply chain leaders should watch as the market moves through the second half of 2026.   Jump into the conversation: (00:00) Intro (06:51) The central theme of the Q2 2026 Freight Payment Index (09:29) How the Freight Payment Index works (11:29) National freight market outlook (16:40) West region: Strongest annual growth (20:49) Southwest: The largest volume-spending disconnect (23:59) Midwest: Data centers offset softer freight demand (27:18) Housing market headwinds (30:10) Northeast: Flat volume and rising spending (33:41) Southeast: Data centers drive freight growth (37:14) AI's rapidly expanding physical supply chain (44:42) Freight market predictions for the months ahead (48:55) Where to find the Freight Payment Index (50:34) Karin's biggest takeaway for supply chain leaders   Additional Links & Resources: Connect with Dr. Jason Miller: https://www.linkedin.com/in/jason-miller-32110325/ Connect with Bobby Holland: https://www.linkedin.com/in/bobby-holland-4a9355/ Connect with Karin Bursa: https://www.linkedin.com/in/karinbursa/ Learn more about Eli Broad College of Business: https://broad.msu.edu/ Learn more about U.S. Bank: https://www.usbank.com/index.html Learn more about U.S. Bank Freight Payment Index: https://www.usbank.com/corporate-and-commercial-banking/industry-expertise/transportation/freight-payment-insights.html Learn more about our hosts: https://supplychainnow.com/about Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://supplychainnow.com/media-kit/ WEBINAR- SAP AI Inside the Supply Chain: From Silo to Orchestration: https://bit.ly/4bvpz6K WEBINAR- Operational AI in the Supply Chain: How context empowers agents and humans to operate side by side: https://bit.ly/4x7Vd2Z WEBINAR- You Can't Manage What You Can't See: Using Visibility, KPIs, and AI to Optimize Logistics Operations: https://bit.ly/4ql6iem   This episode was hosted by Scott Luton and Karin Bursa and produced by Trisha Cordes, Joshua Miranda, and Amanda Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/analysis-q2-2026-us-bank-freight-payment-index-1627 The content in this episode, including all audio, videos, visuals, and graphics, is the property of Supply Chain Now and is protected by copyright law. Unauthorized use, reproduction, distribution, modification, or re-uploading of this content in any form is strictly prohibited without explicit written permission from Supply Chain Now.For licensing inquiries or permissions, please contact us at production@supplychainnow.com© 2026 Supply Chain Now. All rights reserved. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You're coming off years of low or no student loan payments, only to face 10-20x jumps seemingly overnight. We get into why payments are up so sharply, what to do (and not do) if your budget's getting squeezed, and how to use tax and filing strategies to lower your monthly student loan bill. We also share how to navigate marriage, family size, and community property rules when recertifying, so you can keep more options (and cash) in your hands.Key moments:(00:00) Payment shock: increases up to 20x after years of forbearance and SAVE(07:12) How retirement contributions and pre-tax accounts lower student loan payments(09:27) Married filing separately, and when it drops your payment(16:09) PAYE goes away July 2028, and who should switch before the deadline(20:19) Forgiveness is now taxable, and what to plan for if it's in your futureLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Tom opens the show listing for Jill a series of possible names for future off-road oriented crossover trim levels. Staying on topic, the hosts discuss plans for Lincoln to introduce a body-on-frame off-road model based on Ford's popular Bronco SUV. The new truck may arrive in showrooms before 2030. Tom talks briefly about the 2026 RAV4 Woodland PHEV he recently evaluated. He is very impressed by the ride and handling, less so with the compact crossover's big-guy space. Listen in for details. Still in the first segment, Jill reviews Kia's most affordable model, the K4 compact car. Her test vehicle came in sporty GT-Line Turbo trim in new-for-2026 hatchback guise. What does Jill think of her $32,000 ride? Listen in for details. In the next segment Jill and Tom are joined by Chip Lupo of WalletHub. Chip shares results of a WalletHub study identifying the U.S. states in which consumers are making the highest car payments relative to that state's median income. Listen in to hear a list of the top-ten states. In the last segment, Jill is subjected to Tom's "Fake Plymouth" quiz. Listen in to hear how Jill does.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today - A sharp Medicaid payment gap is raising a difficult question in Cochise County: Can rural Arizona support its safety-net health centers without putting independent doctors at a disadvantage?Support the show: https://www.myheraldreview.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

In this Econ 101 segment on the 9innings Podcast, we explore America's growing “payment economy,” where consumers increasingly focus on the monthly payment rather than the total price.From longer-term financing and Buy Now, Pay Later services to the ever-growing subscription economy, we examine how breaking purchases into smaller payments can create the illusion of affordability without actually reducing the cost.We also look at how credit-driven consumption can mask vulnerabilities in the economy, keep demand, and potentially prices elevated, while putting additional pressure on household finances.The takeaway is simple: Stop asking whether you can afford the payment and start asking what the purchase actually costs. Because true affordability isn't about making the monthly payment, it's about understanding the total cost.00:00 — Welcome to the Payment Economy 05:30 — The Illusion of Affordability 09:16 — The Trillion-Dollar Credit Economy NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2ei... Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-... Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idiscl...

On this episode of CoinDesk's Public Keys from the New York Stock Exchange, host Jennifer Sanasie sits down with Michael Tannenbaum, CEO of Figure Technology Solutions, to unpack the company's record quarter, its self-described "Rule of 150," and why it sees blockchain as a standardization engine for capital markets. Then, Lance Vitanza, Managing Director and Senior Research Analyst at TD Cowen, explains why the 2026 digital asset treasury shakeout has clarified the model rather than broken it—and what separates the companies built to last from the rest. Plus, Sid Coelho-Prabhu, Head of Coinbase Business, breaks down Coinbase's bet on AI agent payments, why stablecoins like USDC are emerging as the currency of agentic commerce, and how the x402 protocol could reshape the way businesses get paid. - Learn more at bullish.com. - Register now for CoinDesk's Policy and Regulation event on September 22, 2026: policy-regulation.coindesk.com. - To get market-moving news delivered daily, download CoinDesk's mobile app: linktr.ee/coindeskapp. - Chapters/Timecodes: 00:00 Welcome to Public Keys 00:20 Figure's Record Quarter and the "Rule of 150" 00:50 Figure CEO Michael Tannenbaum Joins 04:05 Figure as the "Fannie Mae of Blockchain" 06:44 Cutting Diligence Costs and Fighting Loan Fraud 08:10 Unlocking $35 Trillion in US Home Equity 09:57 Responding to the Morpheus Research Report 12:16 The Digital Asset Treasury Shakeout of 2026 12:55 TD Cowen's Lance Vitanza Joins 15:00 Why Strategy Is Built for a Bitcoin Bear Market 17:02 Strive, Smarter Web and Nakamoto in the Win Column 20:00 Treasury Companies vs. Spot Bitcoin ETFs 23:19 Coinbase Bets on Payments from AI Agents 23:41 Coinbase Business Head Sid Coelho-Prabhu Joins 24:45 How AI Agents Are Already Spending Money 27:03 Why Stablecoins Are Winning Agentic Payments 30:25 Inside the x402 Payment Protocol 32:06 What Still Needs Solving in Agentic Payments

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://geni.us/Shop-Ware-Free-MonthTransform 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/ShopMarketingProsShop 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 a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Tonnika Haynes. Tonnika shares her experiences navigating trade shows like Vision and ASTA, highlighting the challenges of scaling events while maintaining their community feel. The conversation touches on the struggle to balance profitable training with meaningful content for shop owners. They also discuss the importance of grassroots networking and accountability within industry associations, emphasizing the need to evolve while remembering what made previous events special.00:00 Trade show insights and takeaways04:45 Struggling to secure instructors09:25 Improving trade show quality11:08 Evaluating training investment costs15:18 Investing in employee training18:21 Challenges in Automotive Training22:41 Getting great deals at the show23:30 Boosting vendor sales at trade shows27:40 Considering a move to a convention center30:58 Regional networking events in Asheville35:07 Adjusting content for wider appeal37:22 Demand for hands-on Tesla class41:53 Early board experiences discussed42:36 Addressing organizational dysfunction46:57 Launching the new podcast52:03 Discussing video production deadlines53:03 Braxton starting a media company56:04 Introducing the next topic

From a strict Mormon upbringing in Texas to the violent world of cartel-connected crime, Tyler's story is one of the wildest we've heard. In this episode, Tyler explains how he went from being a high school kid making money transporting drugs to working around human-smuggling networks along the Texas–Mexico border. He describes witnessing extreme cartel violence at a young age, moving migrants through border towns, becoming involved in violent contract work in Mexico, and later building a large drug business back home. Tyler also opens up about the side of that lifestyle people rarely talk about—the paranoia, emotional numbness, PTSD, memory problems, prison, and the difficulty of returning to a normal life after years surrounded by violence. We discuss: • Growing up in a strict Mormon household • Getting recruited into drug transportation as a teenager • Witnessing cartel violence for the first time • How human-smuggling networks operate along the border • Coyotes, safe houses, spotters, burner phones, and cartel organization • His descent into increasingly violent criminal work • Building a drug business through Snapchat • His 2019 arrest and prison sentence • The lasting psychological effects of the lifestyle • Therapy, family, faith, and trying to rebuild his life This conversation contains descriptions of violence, drug trafficking, and other criminal activity. It is presented for documentary, educational, and entertainment purposes and is not intended to promote or encourage illegal behavior. This Episode Is #Sponsored By The Following: BetterHelp! See the reviews, see what stands out, and see if BetterHelp is right for you. Visit https://betterhelp.com/connect Mood! Head to https://mood.com, browse their amazing selection of functional gummies, and find the perfect gummy for whatever you're dealing with. Use promo code CONNECT at checkout to save 20% on your first order. Join The Patreon For Bonus Content! https://www.patreon.com/theconnectshow 00:00 Intro: Mormon Kid to Cartel Hitman 01:27 Growing Up in a Strict Mormon Household 03:13 Rebelling Against Church Rules 04:16 First Adventure: Driving Heroin 06:40 Close Call: Witnessing a Chainsaw Murder 09:07 The Psychological Aftermath 12:32 Understanding the Cartel's Organization 15:10 Mental Health Struggles and Trauma 20:35 This Episode Is Sponsored By BetterHelp 21:55 Getting Back into Smuggling 23:23 Human Smuggling Operations and Safe Houses 27:18 Evolution into a Hitman 29:04 Cartel's Control and Police Corruption 31:52 The Job: Contract, Payment, and Preparation 36:27 The First Hit and Moral Numbing 40:33 This Episode Is Sponsored By Mood 42:33 Avoiding Addiction and the Double Life 45:08 The Worst Thing Seen: Four Days of Torture 52:00 The Drug Business and Burner Phones 01:10:11 Getting Busted and Going to Prison 01:17:00 Building the Snapchat Drug Empire 01:22:26 Why Keep Doing Hits? 01:24:07 The Last Job and Quitting 01:27:01 Arrest and Prison Sentence 01:30:09 Life After Prison and Redemption Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today, we look at Treasury Secretary Bessent out trying to massage the market again after the Wednesday treasury buyback announcement failed to crush long US treasury yields. The treasury's actions continue to provide fuel for the sharp gold and crypto rallies. We also note that the market's so far modest correction is getting us close to pivotal technical territory for the S&P 500, with one critical earnings report up next week for the AI space. This and much more on today's pod, which was hosted by Saxo Global Head of Macro Strategy John J. Hardy. Links Have you heard of SLM's (Small Language Models that can run on a PC/laptop), these might have performance parity with LLMs for large percentage of AI tasks, which could - could - call into question the need for the scale of hyperscaler spending we are seeing. Fed piece on stablecoins: Payment stablecoins and cross border payments: Implications for monetary policy implementation. There is no one like The Telegraph's Ambrose Evans-Pritchard, who waxes dramatic as only he can on the dire risks of a US debt crisis. Read daily in-depth market updates from the Saxo Market Call and the Saxo Strategy Team here. Please reach out to us at marketcall@saxobank.com for feedback and questions. Click here to open an account with Saxo. Intro music by AShamaluevMusic DISCLAIMER This content is marketing material. Trading financial instruments carries risks. Always ensure that you understand these risks before trading. This material does not contain investment advice or an encouragement to invest in a particular manner. Historic performance is not a guarantee of future results. The instrument(s) referenced in this content may be issued by a partner, from whom Saxo Bank A/S receives promotional fees, payment or retrocessions. While Saxo may receive compensation from these partnerships, all content is created with the aim of providing clients with valuable information and options.  

Favour Obasi-ike, MBA, MS discussion explored the evolving relationship between SEO and artificial intelligence, stressing that while AI revolutionizes content generation and search, SEO's foundational importance endures. One concept discussed was the need for website structure (schema, sitemaps, quality content) to ensure both human users and AI agents can discover, trust, and transact with a site.Who Is This For?The conversation focused on entrepreneurs, website owners, business leaders (including C-suite/Fortune 500), marketers, and anyone seeking to improve their business's online presence and growth using SEO and commercial keyword strategies. A key theme that emerged was bridging the knowledge gap for those new to digital marketing, whether launching a site from scratch, rescuing one, or scaling brand visibility.Key Moments & TimestampsIntroduction, Part 2 Justification & Audience Engagement: Highlights the need for deeper commercial keyword discussion; encourages live participation 00:00:13.AI vs. SEO: Relationship & Current Landscape: Explores whether AI will replace SEO; demonstrates synergy and need for structure 00:02:42–00:12:24.Website Structure & Longevity: Analogies for domain authority and building strong foundations 00:13:11.Ads vs. SEO Investment: Explains why investing in SEO creates lasting value versus short-term ad spend 00:17:11.WordPress vs. Vibe Coding: Evaluates traditional site-building vs. new AI/code-heavy approaches 00:22:56.Learning & Mastering SEO: Recommendations for ongoing strategies, resources, and communities 00:28:47.User Search Patterns & Keyword Strategy: Examines how users shop online, with a focus on long-tail and local keywords 00:32:22.Sitemaps & Robust Web Presence: How site architecture and multiple pages boost authority 00:40:10.Live Tools & Practical Auditing: Use of isitagentready.com for real-time AI/SEO readiness checks 00:43:28.Commerce, Payments, & Security: Significance of payment protocols and HTTPS for trust 00:44:29.Color, Calls to Action & Conversion Psychology: How interface details impact buying behaviors 00:54:03.Types of Commercial Intent Keywords: Differentiates high vs. low commercial intent; relevance for product, service, and pricing pages 00:59:19.Action-Oriented Keyword Construction: Guidance for structuring keyword phrases to increase conversions 01:04:23.Takeaways & Final Thoughts: Recap and encouragement to test, research, and take control of digital outcomes 01:07:42.Several points were raised, including:Investing in SEO produces compounding, evergreen visibility, unlike fleeting paid ads.Commercial keywords (e.g., “buy now,” “pricing,” “best [product],” “alternatives to”) are essential for conversion-focused pages.Local and long-tail strategies help users “find you” for specific contexts and regions.Security (HTTPS), trust signals, and payment protocols are non-negotiable for commercial viability.Testing and optimizing details—color, CTAs, copy—directly impact sales.FAQsQ: Will AI make SEO obsolete?A: No. AI depends on well-structured SEO content to deliver relevant results. They're complementary, not mutually exclusive 00:04:31.Q: What are commercial keywords?A: Specific search phrases indicating purchase intent (e.g., “buy,” “pricing,” “deal,” “best,” “compare”). Essential for pages targeting buyers 00:52:04.Q: Should I invest in SEO or ads?A: SEO offers sustainable, long-term visibility; ads work immediately but disappear when you stop paying 00:17:11.Q: Are modern coding approaches like vibe coding a good idea?A: New site builders offer fast results, but lack the proven, authority-strengthening foundation of established platforms like WordPress 00:22:56.Q: How do I start learning SEO?A: Combine online courses (Google, podcasts, masterminds) with community interaction and direct experimentation 00:28:47.Action StepsAudit your website with tools like isitagentready.com to gauge AI/SEO readiness 00:43:28.Review your site's structure—ensure schema markup, sitemaps, and multiple relevant pages exist 00:36:01.Identify and implement high-intent commercial keywords on key pages: homepage, product/service, pricing, and demo 00:52:04.Ensure your site is HTTPS-secured and supports modern payment integrations 00:46:07.Test calls-to-action and site colors to optimize conversion rates 00:54:03.Regularly engage in industry communities, podcasts, and training to stay current.Track and measure progress; iterate based on results and user feedback.Ready to Rank? Book Your SEO & Web Dev Services Today

In a mixed bag of economic and health news, the U.S. debit hit a staggering number while Columbia House mail order music goes out of business and pumpkin spice latte returns. We also dive into an exciting development in vaccines: one that may be able to prevent melanoma.

In a mixed bag of economic and health news, the U.S. debit hit a staggering number while Columbia House mail order music goes out of business and pumpkin spice latte returns. We also dive into an exciting development in vaccines: one that may be able to prevent melanoma.

Strange happenings in LA with Karen Bass, mayor, bragging about taking tax-money for her campaign. Teens, summer jobs, and Brian Kilmeade in the second hour and giant dead squid with loud, accurate foghorn sounds round out the day.

In a mixed bag of economic and health news, the U.S. debit hit a staggering number while Columbia House mail order music goes out of business and pumpkin spice latte returns. We also dive into an exciting development in vaccines: one that may be able to prevent melanoma.

In a mixed bag of economic and health news, the U.S. debit hit a staggering number while Columbia House mail order music goes out of business and pumpkin spice latte returns. We also dive into an exciting development in vaccines: one that may be able to prevent melanoma.

In a mixed bag of economic and health news, the U.S. debit hit a staggering number while Columbia House mail order music goes out of business and pumpkin spice latte returns. We also dive into an exciting development in vaccines: one that may be able to prevent melanoma.

This interview is disseminated on behalf of The FUTR Corporation.The FUTR Corporation (TSXV: FTRC | OTCQB: FTRCF | FSE: QA20) CEO Alex McDougall discusses the company's recent revenue growth and the expansion of its consumer-focused AI and data platform.The conversation explores the launch of FUTR Planning, a new lead-generation revenue stream that completed approximately 6,600 financial plans in June, alongside continued growth in the company's payments business. Alex also highlights plans to extend payment functionality to mortgages and further connect the company's planning and payments platforms.Learn more: https://thefutrcorp.com/#hero Watch the full YouTube interview here: https://youtu.be/wLbIyrZD8j4And follow us to stay updated: https://www.youtube.com/@stockstowatchofficial 

Two other episodes you might want to check out: How to BECOME a Wedding Planner BTS: Join Jamie on a Real Sales Call | Wedding Planning Business Tips Share your thoughts on this episode over on Instagram!  What do you think?!  Take a screenshot and tag @wolferandco so we can hear from you! Join the amazing discussions over in the Wedding Pros Facebook Group.  This is a group for aspiring, new, and experienced wedding planners and wedding vendor professionals! Jamie would love to help you get started with your wedding planning business or optimize the one you have already started.  If you'd like personal guidance from Jamie, access to her community of VIP wedding professionals, and the opportunity to be listed on her preferred wedding planner listing that is shared with thousands of engaged couples every month, consider joining The Union Mastermind. You can find out more about that program HERE. Our Favorite Wedding Business Resources: Generation Tux - join their Partner Program and start earning affiliate money recommending a reputable suit vendor to your clients! Timeline Genius - create detailed timelines for your events (automated text messages, emails, and more!) Legally Set - Get all your legal contract templates you need; use code “UNION” for 20% OFF Honeybook - keep all your clients organized; use code “UNION” to get the current deal Jamie locked in for ya! P.S. - The links above may use affiliate platforms where commission may be earned based on clicks and/or purchases, and I would love it if you used them! It won't cost you anything extra, but affiliate links are RAD because they help creators like me to fund the free content we provide.

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://geni.us/Shop-Ware-Free-MonthTransform 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/ShopMarketingProsShop 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 a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Emily Oliver joins the podcast to share her journey of taking over a small family auto repair shop in Gloucester, Massachusetts. Emily talks about the challenges of modernizing operations, from adopting new software like Shop-Ware to implementing more thorough documentation and communication processes with customers. The conversation also highlights the complexities of hourly billing in auto repair, the challenges of managing family roles in business, and the importance of continuous learning and adaptation as the shop grows.00:00 Family auto shop's history08:56 Simple billing system explained10:55 Tracking time in auto repair bays19:04 Standardizing Inspection Processes23:10 Issues with technician pricing30:07 Convincing family about car maintenance36:33 Communicating with customers39:47 Dealing with other mechanics' issues46:27 Early challenges and learning curve54:21 Managing finances and staying focused56:10 Discussing parts pricing strategy01:01:21 Gaining insights from peer feedback

New Zealand's being labelled as stuck in the 90's when it comes to bank payments. A Reserve Bank report has found our system is reliable for many users but is falling behind global standards. It says consumers could benefit from new smartphone payment methods including instant payments, request to pay, and QR codes. Banking Reform Coalition Convenor Kent Duston told Mike Hosking it already works this way in more than 120 countries. He says if you go out for dinner and split the bill, the money will appear in a person's account instantly. Duston told Hosking banks have been paying shareholders large dividends instead of reinvesting in systems, describing the tech we use as scrap metal with blinking lights. LISTEN ABOVE See omnystudio.com/listener for privacy information.

a16z General Partner David George is joined by Will Gaybrick, President of Product & Business at Stripe, to discuss how AI is changing the way Stripe builds products, organizes teams, and thinks about the future of internet commerce. Stripe has evolved from a payments company into a multi-product financial infrastructure platform, while a new generation of AI companies is growing and monetizing faster than previous software cohorts. Will explains why Stripe sees AI productivity as an opportunity to build more rather than simply cut costs, including how its internal coding agents now generate thousands of pull requests each week. They discuss creating founder-like agency inside large companies, building smaller and flatter teams, and why Stripe believes dramatically more software will be created as the cost of building continues to fall. They also look ahead to agentic commerce, why checkout pages could disappear, the potential return of micropayments, stablecoins as infrastructure for a global economy, and a future where AI agents increasingly buy software and services from other machines.   Resources: Follow Will Gaybrick on LinkedIn: https://www.linkedin.com/in/william-gaybrick-5730347/ Follow Will on X: https://x.com/gaybrick Follow David George on X: https://x.com/DavidGeorge83 Follow Stripe on X: https://x.com/stripe Stay Updated:Find a16z on YouTube: YouTubeFind a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please 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 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.

You Down With YPP?Episode Description:I break down YouTube's latest changes to its Partner Program, including doubled watch-hour requirements and higher Shorts monetization thresholds ahead of the February 2027 deadline. I also bring in YouTube expert Adam Ivey's take on why the real story isn't necessarily the new criteria, and I share my own channel's numbers so you can set realistic expectations for your own YouTube journey.Then the AI kids stop by for story time as I take a look at Spotify's decade-long history of making big podcasting promises—and quietly failing to deliver on them. From a scrapped hosting partnership to a Creator Fund that never paid a cent, there's plenty to unpack.Plus, Ray Ortega drops by with the shortest—and most accurate—definition of “podcast” you'll ever hear.YouTube Partner Program (YPP) changes, effective February 1, 2027Watch-hour requirement doubles: 4,000 to 8,000 hours in the past year (new creators only; existing YPP members are grandfathered in)Shorts monetization threshold doubles: 10 million to 20 million qualified views in 90 days to get in, then a rolling 10 million views every 90 days to maintain earningsFull monetization tier: 1,000 subscribers, $100 payment thresholdLower tier (500 subscribers): unlocks YouTube Shopping (affiliate) and channel memberships, requires 3,000 watch hours or 3 million Shorts viewsThe real story behind the changesAdam Ivy's stat: 67% of YouTube creators make less than $10,000/yearYouTube's stated pivot: broadening revenue beyond ads, with bonuses for YouTube Shopping, brand-deal incentives, and trend-based earning boostsYouTube says it expects to pay creators more in 2027 than 2026: money is shifting, not shrinkingSteve Stewart (Podcast Editor Academy): "Don't just sell your audience to sponsors, sell sponsors on how great your audience is"Is YouTube worth it? The dataSounds Profitable's Podcast Atlas (slide 23): Clips lead viewers to watch a specific episode (30% often/always, 81% at least sometimes) and to become regular listeners (33% often/always, 84% at least sometimes)Dave's real channel numbers: 3,523 subscribers, ~$2.49 per 1,000 views, one video with 115 views earned 25 centsBottom line: YouTube ad revenue is icing, not cake. Don't budget groceries on itSpotify: a bedtime story for the AI kidsMay 2015: Spotify launches podcasts through a small group of hosting "partners" (Libsyn, Blubrry), framed as a growth opportunity, not monetizationSpotify initially insists on hosting the media files itself rather than letting partners host. Partners build custom engineering to comply, then Spotify reverses course2019: Spotify buys Anchor for $150 million, turning former hosting partners into competitors overnight, with free hostingSpotify quietly submits shows to Apple Podcasts under its own account, hiding stats from creators and sparking creator frustration (often aimed at consultants, not Spotify)2020: Megaphone acquired for $235 million. 2021: Whooshkaa acquired and folded into Megaphone, then shut down2021: Betty Labs acquired, becomes Greenroom (Spotify's Clubhouse competitor)2021: "New Era of Podcast Monetization": paid subscriptions, Open Access Platform, Spotify Audience Network announcedMid-2021: Greenroom launches with a Creator Fund promised for live audio creators. Payment mechanics never disclosed2021: Music + Talk announced ("play music in your podcast"), restricted to the Spotify app, paying subscribers only, after listening to the full episodeSeptember 2021: Q&A and Polls launch, pitched as "the future of podcasting is interactive"January 2022: In-house production studio "Studio Four" shut down with layoffsApril 2022: Greenroom rebrands to Spotify Live; Creator Fund confirmed to have never launched, quietly shelvedMarch 2023: Anchor rebranded to Spotify for PodcastersApril 2023: Spotify Live shut down entirely, two years after the original Greenroom launchFebruary 2024: Music + Talk and Anchor's recording tools killed; users redirected to RiversideJuly 2024: Q&A and Polls shut down, replaced with CommentsSpotify's "walled garden" habits: video and transcripts only available on Spotify, resistance to RSS since it sends listeners off-platform2026: Skip Ahead ad-skipping button testing begins, available only to Premium subscribers, while advertisers still pay for the adAudiobooks added, bundled with music, resulting in lower royalty payments to musiciansWhat it actually takes to make money on Spotify1,000 Spotify audience members (last 30 days)2,000 Spotify hours consumed (last 30 days)At least 3 published episodesFree alternatives exist too: Buzzsprout (90 days free), RSS.com, Red CircleAlso in this episode:Ray Ortega's shortest definition of a podcast: "An RSS feed with audio or video content"Dave will be at the Empowered Podcasting Conference. Say hello if you see himLinks:Podnews (the definitive investigative piece): https://podnews.net/update/greenroom-creator-fund-mirageHollywood Reporter (original confirmation): https://www.hollywoodreporter.com/business/digital/spotify-greenroom-creator-fund-live-audio-1235132234/TechCrunch (Spotify's official statement): https://techcrunch.com/?p=2302547Tubefilter (stock price angle): https://www.tubefilter.com/2022/04/19/meta-live-audio-rooms-spotify-green-roSpotify's own support doc: https://support.spotify.com/al/creators/article/understanding-skip-ahead-button/Podnews (the deepest industry-side reporting): https://podnews.net/article/spotify-threat-ad-skippingHollywood Reporter (advertiser reaction): https://www.hollywoodreporter.com/business/digital/spotify-new-ad-skipping-feature-1236670480/Forbes (scale/downloads context): https://www.forbes.com/sites/gabrielalinzainescu/2026/08/10/spotify-tests-ad-skip-button-that-could-upend-podcast-advertising/Variety (original 2024 reclassification): https://variety.com/2024/digital/news/spotify-music-audiobook-bundle-lower-royalty-for-songwriters-1235974942/Music Tech (MLC lawsuit filed): https://musictech.com/news/industry/spotify-royalties-lawsuit-audiobook-bundling/Music Business Worldwide ($3.1bn NMPA projection): https://www.musicbusinessworldwide.com/nmpa-says-spotify-bundling-move-could-cost-music-publishers-3-1bn-through-2032/Music Business Worldwide (lawsuit dismissed): https://www.musicbusinessworldwide.com/spotify-wins-audiobook-bundling-lawsuit-as-court-dismisses-legal-action-brought-by-the-mlc/Variety (ruling coverage w/ judge's quote): https://variety.com/2025/music/news/spotify-wins-lawsuit-bundling-royalties-1236289823/Time (FTC complaint, $150M NMPA estimate):

This episode of PT Breakfast Club starts with Jimmy McKay reporting from Prompt HQ after a trip to Portland for APTA's Payment Summit and House of Delegates.Jimmy explains how he got in trouble for live tweeting the House of Delegates, why he likes the word “payment” more than “reimbursement,” and what it felt like watching the profession debate policy language in real time.Dave Kittle pushes hard on the bigger question: has payment advocacy actually moved the needle for physical therapy? If insurance companies and Medicare are not meaningfully increasing payment, should more PTs stop waiting and build direct-to-consumer cash-pay offers?Tony Maritato adds the counterpoint: maybe some advocacy success is measured by slowing the decline, not producing giant wins.Then the show turns into a business strategy clinic thanks to Grandpa the Mailbox Guy.For $320, he solves the whole mailbox problem. No hourly rate. No overexplaining. No “here are the 17 steps.” Just a clear result at a clear price.The crew applies that lesson to PT, including grab bar installation, home safety consults, cash-pay evaluations, AI content ideas, therapist recruiting, viral video formats, and what practices should do when a clinician calls out sick.The takeaway: keep it stunningly simple. The customer does not want your process. They want the problem solved.

Credit card fees rarely wreck a budget all at once. Instead, they tend to chip away at it little by little. Interest charges, late fees, annual fees, cash advances, and other costs can quietly consume resources that could have been used for saving, giving, or meeting other financial priorities. That's why wise stewardship includes understanding what your credit cards cost and making sure they're serving your financial plan rather than working against it. Proverbs 21:20 says, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” This isn't a call to hoard what God provides. It's a reminder that wisdom pays attention. Good stewardship means knowing where our money is going and refusing to let avoidable expenses unnecessarily consume what God has entrusted to us. Start With the Biggest Cost: Interest Technically, interest isn't a fee, but for anyone carrying a credit card balance, it's usually far more expensive than the other charges associated with a card. When interest rates are high, reward points and cash-back offers quickly lose their appeal. A few dollars in rewards can't compensate for months of interest on an unpaid balance. The best practice is straightforward: Don't charge more than you can afford to pay off when the bill comes due. If you're already carrying a balance, consider putting the card away while you develop a plan to eliminate the debt. Continuing to add new purchases while trying to pay down old ones can make progress much more difficult. Avoid Late and Returned-Payment Fees Late fees vary by card issuer, so review your cardholder agreement and know exactly when your payment is due. Payment alerts and automatic payments can be helpful safeguards. At minimum, consider automating the required payment so an overlooked due date doesn't create another unnecessary expense. Ideally, pay the full statement balance each month so you avoid interest altogether. If you use automatic payments, however, make sure there's enough money in your checking account when the payment is scheduled. A returned payment may result in a fee from the card issuer and possibly another fee from your bank. Keeping a small cushion in checking can help protect against those surprises. Think Twice About Annual Fees Some credit cards have no annual fee, while others charge hundreds of dollars in exchange for travel benefits, rewards, or other perks. In many cases, avoiding an annual fee altogether is the simpler choice. The benefits may not justify the cost, especially if rewards encourage you to spend more than you otherwise would. The goal isn't to maximize points. It's to make wise decisions with the resources God has provided. For responsible credit users who want their financial tools to reflect their values, FaithFi appreciates AdelFi Christian Banking. Formed through the merger of Christian Community Credit Union and AdelFi Credit Union, AdelFi provides purpose-driven banking solutions designed to help Christians align their finances with their faith. Since 1995, AdelFi members' card activity has generated more than $6.9 million for Christian causes. You can learn more at FaithFi.com/Banking. Be Especially Careful With Cash Advances Cash advances are one of the most expensive ways to borrow. They may include an upfront fee, and unlike ordinary purchases, interest often begins accruing immediately. That makes a cash advance a costly solution to a short-term cash-flow problem. A better long-term approach is to build financial margin. Start with a small emergency fund, then work toward a larger reserve over time. Having cash available for unexpected expenses can help keep a financial setback from turning into high-interest credit card debt. Watch for Foreign Transaction Fees If you travel internationally or make purchases from foreign merchants, check whether your card charges a foreign transaction fee. Some cards charge a percentage of each transaction, while others waive these fees entirely. Knowing your card's policy before traveling can help prevent unnecessary surprises. Review Your Statements Every Month One of the simplest financial habits is also one of the most valuable: review every credit card statement. Look for unexpected fees, forgotten subscriptions, duplicate charges, or transactions you don't recognize. Regularly reviewing your statements helps you catch problems early and stay engaged with your financial life. It also gives you an opportunity to ask a larger question: Is this card still helping me accomplish what I intended it to? A Credit Card Should Be a Tool, Not a Master Credit cards aren't inherently good or bad. What matters is whether they help or hinder faithful stewardship. If using a credit card consistently leads to interest charges, fees, or overspending, the wisest decision may be to stop using it. There's no spiritual virtue in having a credit card, and there's no shame in choosing cash or debit if those tools help you manage money more faithfully. Faithfulness often shows up in small financial decisions: paying bills on time, avoiding unnecessary costs, living within God's provision, and directing more of what He has entrusted to us toward His purposes. Take a few minutes this week to review the credit cards you use. Know what they cost. Know why you have them. And make sure they're serving your financial plan rather than quietly shaping it. If you're looking for a financial institution that shares your Christian values, consider AdelFi Christian Banking. FaithFi listeners can earn up to a $400 bonus when opening a qualifying high-yield checking or savings account or a Cash Rewards Visa credit account. Visit FaithFi.com/Banking and use the code FAITHFI to learn more. On Today's Program, Rob Answers Listener Questions: I have investments, but I don't have a tax-planning strategy, and I'm paying a lot in taxes each year. My advisor doesn't seem very proactive. How can I find someone who can coordinate my investment and tax planning? I'm 67, debt-free, have a good income, and about $97,000 in savings and cash, but no retirement plan or investments through work. How should I start investing at this stage of life? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) AdelFi Christian Banking FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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://geni.us/Shop-Ware-Free-MonthTransform 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/ShopMarketingProsShop 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 a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas Underwood and David Roman are joined by Sam Freeman, Alexandra Pare, and Daniel Ekstrand from Promotive. The group demos “Paige,” Promotive's AI-powered virtual recruiter, showcasing how AI is transforming the hiring and prescreening process in the automotive industry. The conversation dives into current industry trends, including why technicians are leaving dealerships for independent shops and the top reasons candidates are looking for new positions. They also get candid about the frustrations of online reviews, sharing stories and strategies shop owners use to respond to feedback—both good and bad.00:00 Overview of Promotive's Services11:55 Managing morning priority calls15:43 Handling Language and Mumbling Issues18:44 Automated messaging for applicants27:21 Icy disaster during bachelor party32:58 Early adoption of Facebook and DVI37:41 Missed email confusion42:59 Hotel room negotiation challenge44:38 A quick conference trip52:30 Challenges of running a car shop59:36 Trying the Worst BBQ in KC01:03:25 Handling negative feedback01:07:19 Feedback on Uber improvements

In this episode, Paul Galloway and Craig Jeffery discuss treasury technology debt, the hidden burden created when legacy systems and infrastructure continue to work but increasingly limit flexibility, security, and future capabilities. They explain how treasury teams can assess technology and identify where outdated tools create the most drag, and how to prioritize upgrades without trying to replace everything at once. The discussion also covers ISO 20022, APIs, AI, cloud-native architecture, interoperability, and why treasury should regularly review its technology stack to maintain a practical runway for future change. 2026 Treasury Technology Analyst Report The Hidden Costs of Complexity in Treasury Operations (2026) TMS and TRMS: Choosing the Right Treasury System in 2026 (2026) Treasury Assessments: What to Review and How Often (2026) Timestamps: 00:00 Introduction 01:16 What is treasury technology debt? 02:45 Common forms of technology debt 04:28 How outdated technology impacts treasury 06:44 Identifying and prioritizing technology debt 10:25 Payment standards and ISO 20022 11:31 Reducing technology debt strategically 14:15 APIs, interoperability, and modernization 15:40 Building a sustainable technology roadmap 16:31 Final thoughts 16:48 Outro ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ABOUT STRATEGIC TREASURER ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Strategic Treasurer is recognized as a top tier consulting firm in the area of treasury and risk management. Corporate clients, banks, and technology vendors all rely on their industry leading advisory services that are backed by a deep awareness of current needs, practices, and budgeting priorities of treasury professionals through Strategic Treasurer's annual industry surveys and decades of treasury experience. Strategic Treasurer utilizes a senior consultant model where every project is managed by senior consultants with actual practitioner experience in corporate and/or banking roles. Download The Strategic Treasurer: A Partnership for Corporate Growth by Craig A. Jeffery in Kindle, or hardcover. As an Amazon Associate, we earn from qualifying purchases. Visit us today at StrategicTreasurer.com. Or join in the discussion at one of our leading LinkedIn groups.

What happens when an AI agent does your shopping — and how do you make sure it doesn't order two grills instead of one? In Part 2 of his conversation with Motley Fool CEO Tom Gardner, Mastercard CEO Michael Miebach breaks down the company's Agent Pay protocol, explains why machine-to-machine payments could transform B2B commerce, and reveals why Mastercard just acquired the world's largest stablecoin platform. He also gets into what the AI revolution really means for employment, why proprietary transaction data is Mastercard's deepest competitive moat, and how he personally stays sharp running a $500 billion company.  Host: Tom Gardner  Guest: Michael Miebach  Producers: Bart Shannon, Lauren Budabin  Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We are very, very excited about the upcoming Isaiah workshop for only $39 (via Zoom) or $75 (for in person). We believe it will make a real difference in your ability to understand Isaiah. We will do hands on work together, focusing on helping you develop the skills to really get more out of Isaiah, both as we study it this year, and throughout your life. We will be holding the workshop right as we hit Isiah in the Come Follow Me reading assignments. Here is the key information you need to know: It will be via Zoom only on Thursday night, September 10th. That evening we will introduce a few things, and give you some homework to do in order to prepare you to get more out of the rest of the workshop. Then we will meet both in person and via Zoom on Friday, evening, Sept. 11th. Then we will meet on Saturday the 12thin the morning.We will meet on the edge of the Provo/Orem border.All proceeds go towards supporting The Scriptures Are Real podcast. I make absolutely no money off of this at all.The cost of the in-person meeting is $75, and of Zoom is $39. The cost for two people to use the same Zoom is $49.You can register by sending us your name, email address, and payment.Payment can be made toVenmo @julianne-muhlesteinZelle using the email address thescripturesarereal@gmail.comEmail us at that same email address if you would prefer to pay in other ways.Join us for fantastic content on our Patreon website. This week on Patreon we will delve more into depth on how to get more out of the Psalms and worship with them, and more into depth on some specific psalms.Join us for an incredible cruise with amazing spiritual momentum where you hear from Elaine Dalton, myself, Jasen Wade, Kirby Heyborne, Jenny Oaks Baker, Nathan Pacheco, and more. During July you can get $250 off for the second person, and $50 of for each person with the discount code KERRY. Click here and join right away!In this episode Kerry and Ryan Davis teach you about what the Psalms are and how to get more out of them. They explain some of the poetic background, and also ways to think about them and study them to gain better understanding and be touched more deeply. They talk about how they are about our relationship with God, and about temples, and explore other genres with in Psalms. Then Kerry and Kim Matheson dive into Psalm 1 together, looking at what it teaches about praise, worship, and cries for help. Then Kerry and Paul Hoskisson explore Psalm 22 and what it teaches about Jesus Christ, and how it connects with His time on the cross. They look at how it helps us understand Christ's suffering on the cross, and what that means for us. Then Kerry and Jenny Oaks Baker discuss Psalm 27 and how we can trust in God. She shares stories from her life about how she has turned to the Lord and been her salvation. She talks about how God has our back when we follow Him. Then Kerry and Rosalynde Welch go through Psalm 42. They use the beautiful imagery in the psalm to help us deepen our relationship with God. They explore how the Psalms will capture the feelings and needs you experience and help you understand them, express them, and turn them to God.We are grateful for our executive producers, P. Franzen, J. Parke, D. Watson, B. Van Blerkom, the Dawsons, M. Cannon, M. Rosema, B. Fisher, J. Beardall, D. Anderson, M. Zitar, J. Edwards, A. Dixon, T. Cottrell, and H. Umphlett, and for all our generous and loyal donors.

You already have $1,200 a month sitting in your driveway. You just don't know it yet.In today's episode, I break down exactly what one truck payment is really costing a family every single month, and it's not the number on the loan.Family, do me a favor. Before you watch anything else today, ask yourself what's really parked in your driveway, and whether it's moving you toward freedom or just moving your image forward.If this episode gave you clarity, that's the whole mission of this show. We are building toward 1 million E3 family members who are done living paycheck to paycheck and ready to build real wealth. Hit subscribe and turn on notifications so you never miss a truth or a move.Get the full plan, including the debt snowball and the five-phase Escape Plan, in my new book Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/bookAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Could your company be paying suppliers earlier than its competitors and unintentionally financing their advantage? In this episode of Tech Talks Daily, I welcome back Oliver Belin, co-founder and CEO of Calculum. Our previous conversation took place around ten years ago when Oliver was working with the Marco Polo Network and blockchain was attracting attention across trade finance. His latest venture concentrates on working capital, payment terms, and the role of AI in supplier negotiations. Oliver explains why working capital has moved higher on the agenda for procurement, treasury, and finance leaders. Companies can generate cash through sales, borrowing, inventory efficiency, faster customer collections, or changes to supplier payment terms. With borrowing costs higher and sales growth difficult in many markets, businesses are examining the cash already tied up within their operations. The difficulty is that procurement teams usually know their own supplier data but lack reliable information about the terms those suppliers accept from other customers. Negotiating without market benchmarks can lead to blunt policies, such as extending every supplier to 90 days. Oliver warns that indiscriminate extensions can create serious consequences. Smaller suppliers may experience cash flow pressure, increase their prices, reduce service, or direct capacity toward customers offering better terms. The buyer may improve its balance sheet while weakening an important part of its supply chain. Calculum uses transactional benchmark data to compare existing payment terms with the wider market. According to Oliver, the platform can show how frequently a supplier appears in its dataset, which terms it accepts elsewhere, and the probability that it will agree to a proposed change. AI and predictive analytics can then help companies concentrate on the suppliers where an adjustment would create the greatest financial impact and carry a higher probability of acceptance. This is particularly useful when an enterprise has tens of thousands of suppliers and procurement teams can only negotiate directly with a small proportion of them. Oliver says Calculum typically identifies free cash flow opportunities equivalent to approximately 8% to 11% of the spend analyzed. The amount identified does not automatically become realized cash. Procurement teams need targets, internal ownership, supplier conversations, and financing options to turn recommendations into results. He shares the example of an unnamed Fortune 500 pharmaceutical company that generated $227 million in free cash flow over 16 months. The program combined market-aligned payment terms with Supply Chain Finance, allowing participating suppliers to receive early payment in exchange for a discount based on the buyer's financial strength. Another UK company with approximately 4,000 suppliers generated €3 million in free cash flow within two months. Oliver attributes the speed partly to knowing which suppliers to approach first rather than attempting a broad, manual campaign. We also discuss supplier protection. Calculum identifies whether a business is a small or medium-sized enterprise, examines ultimate ownership, and considers financial strength. A financially vulnerable supplier may need early payment support rather than longer terms. Oliver's wider point is that AI cannot create reliable benchmarks from nothing. Useful predictions require traceable transactional data, clear objectives, and people prepared to act. Could better payment term intelligence improve your cash position while creating fairer, better-informed supplier relationships? Listen to the episode and share your thoughts with me.

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Food addiction can slowly take over far more than what you eat. It can affect your confidence, your choices, your relationships, your emotional well-being, and the way you trust yourself.In Episode 402 of the Food Freedom Podcast, I'm talking about what it really means to reclaim your life in food addiction recovery. We'll explore how rebuilding self-trust, creating stronger boundaries, and consistently choosing your recovery can help you move beyond binge eating, compulsive eating, food obsession, and the exhausting cycle of starting over.Recovery isn't only about getting control of food. It's about getting your life back.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

If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out. Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness. Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight into your 401(k). If you're already in default, she also breaks down what's coming this fall as wage garnishment turns back on, and the two ways out. Finally, today's tip you can take straight to the bank: a tax-filing move married borrowers should run the numbers on before their next RAP payment is calculated. Start investing investing at SoFi.com/MNN  Check out Nicole's financial literacy course ⁠The Money School⁠  Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠  Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠  Here's what Nicole covers today:  00:00 Are You Ready for Some Money Rehab?  00:16 SAVE Is Officially Dead  01:29 What Happens If You Do Nothing  02:12 Check Your Real Balance (Interest Never Stopped)  02:37 Meet RAP: The New Repayment Assistance Plan  03:24 Get Ahead of the Studentaid.gov Stampede  04:40 The 401(k) Match You Didn't Know You Had  05:21 If You're in Default: What's Coming This Fall  06:35 Tip You Can Take Straight to the Bank This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or tax professional before making any financial decisions.

Going global stopped being a phase-two project. The brands winning now are global on day one. Going global profitably is the harder business, and the levers that decide it are the ones nobody puts on a slide.Matthew Merrilees has spent two decades on the operational side of cross-border, starting at DHL and now running North America for Global-e. He and Rick walk the international P&L line by line. Payment acquiring, which is bigger than most operators assume. Duty and tax. Classification. Drawback.The math changed underneath everyone. US de minimis went from $800 to zero, so every inbound parcel is dutiable and every SKU needs an HS code. The EU now applies a three-euro charge per unique HS code below the 150 euro threshold, which quietly wrecks any sitewide promotion running a mixed catalog. Seventy-five regulatory changes in the US alone, by Matthew's count.Also covered: why most brands refund duties and taxes to returning international shoppers and never reclaim them, why the Section 321 play through Mexico is finished, what a real multi-carrier setup looks like in practice, and the thinking behind Global-e buying Passport.This episode is sponsored by Avalara. Learn more at avalara.watsonweekly.comRick asked for the one number an operator should check Monday morning. Matthew wouldn't give him one.#watsonweekly #crossborder #global #international

Businesses have dealt with customers not paying their invoices over the years, and this is putting additional stress on business owners like you.  As a business owner, you know that you need to receive payment on your customer's invoices to continue to have the cash flow you need for your business to survive.  Do you have any customer invoices that you are still waiting to collect payment on, or are you one of those business owners who have been lucky enough so far in your business that you have been able to receive payments on all your invoices?  If you have invoices that have been unpaid or are overdue, collecting on these accounts receivable amounts are very important for you.  Make sure you track and ensure you are still collecting on money that is due to your business.  In today's episode, I am going to talk about how you can manage your customer invoices as well as the best practices to ensure you are receiving payments on time.  You may not even believe what the top reasons are that most customers have to say about not paying invoices and the simple steps you can take to get those payments on time.  Whether you are getting ready to start your small business, you're a solopreneur, entrepreneur, small business owner, virtual online bookkeeper or virtual assistant you are going to want to listen in to today's episode so that you stay on top of your accounts receivable game.  I even have tips for you about how you can eliminate the stress of tracking and receiving payments from your customers in the first place… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

Advertising SponsorWant to join our Map It Forward Monthly Community Discussion Group? Head to https://patreon.com/mapitforward to join the community by signing up for the "Roasted Coffee" tier for 20 USD per month. Find other like-minded people in the coffee industry. This community is open to all stakeholders in the coffee industryEpisode DescriptionThis is Part 3 of a five-part series of The Daily Coffee Pro Podcast by Map It Forward examining what happened between Benecke Coffee in Germany and coffee cooperatives in Peru pursuing claims for coffee they say remains unpaid.In Part 1, we met the cooperatives and learned about the financial and commercial risks they carry on behalf of hundreds of smallholder coffee producers.In Part 2, we followed the coffee from Peru to the export vessel and examined how the contracts, documentation and payment process were supposed to work.Now the series reaches the point where delayed payments became something much more serious.Podcast host Lee Safar is joined again by Emerson Carrasco, General Manager of Sanchirio Palomar Cooperative; Anabel Barrientos, General Manager of Ubiriki Valley Cooperative; and Óscar Inocente, a lawyer working with the affected Peruvian cooperatives. Ana Maria Donneys from Café Primitivo joins as translator.This is Part 3 of our five-part series examining what happened between Benecke Coffee and coffee cooperatives in Peru.In Part 2, we followed the coffee and examined how payment was expected to work. In this episode, delayed payments become an insolvency problem.Emerson Carrasco says Sanchirio began recognising warning signs when Benecke's payments during 2025 were taking more than 40 days, compared with the roughly 15–20 days he says was typical with other buyers.He says the cooperative repeatedly sought information and received reassurances from Clemens von Storch that payment would be made and that existing contracts should continue to be shipped.Then, on 24 October 2025, Emerson says Sanchirio received a letter stating that Benecke was entering insolvency under self-administration.The episode follows the cooperatives into the creditor process: uploading contracts, invoices, bills of lading and other evidence, registering their claims, and travelling to Hamburg for a creditors' meeting in April 2026.Óscar also discusses concerns about how creditor information was communicated and why some other cooperatives may not have registered in time.The final section introduces the retention-of-title issue. Emerson says the cooperatives raised contractual provisions they believe may affect how some of the unpaid coffee is treated inside the insolvency.In Part 4, we look at what the insolvency has meant in practice for the cooperatives.Correction: Arthur E. Darboven ceased serving as Managing Director of the Benecke management company on 25 April 2024. His ownership position and any continuing involvement after that date remain under investigation.Connect with our guests here:Anabel Barrientos https://www.linkedin.com/company/cooperativa-cafetalera-valle-ubiriki‍ ‍gerencia@ubiriki.com.peEmerson Carrascohttps://www.linkedin.com/in/emerson-carrasco-791b9871/https://www.linkedin.com/company/sanchirio-pe ecarrasco@sanchirio.comOscar Innocenteoinocente@hotmail.comWhatsApp +51 995 147 869https://www.linkedin.com/in/oinocente/ For media, contact Nataly Fabrikantovahttps://www.linkedin.com/in/nataly-fabrikantova-82609219a/Editorial Note:This series concerns an active insolvency and ongoing creditor claims. Statements concerning Benecke Coffee, Clemens von Storch, Tobias Brinkmann, the insolvency proceedings and other parties reflect the accounts and perspectives of participants unless otherwise identified. Allegations should not be understood as findings of wrongdoing.If you found this episode valuable, make sure you're subscribed to the podcast and follow along for the rest of this 5-part series. ***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforward‘The Coffee Report': https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

Charlie Durkin, Principal Solutions Lead at Chainlink, sat down with me at the Injective Policy Summit to discuss the growing adoption of Chainlink by TradFi institutions, crypto-native companies, and blockchain projects.

In this episode of the Elevate Care podcast, host Enderson Miranda sits down with Brian Floyd, Chief Operating Officer at ECU Health and chairman of the board for the North Carolina Health Care Association, to unpack a framework Brian calls the "six dimensions of rurality." Drawing on more than 30 years of healthcare leadership, coupled with the unique understanding of a clinician that practiced within the rural healthcare setting, Brian explains why treating rural healthcare as simply a geography problem misses the point, and why density, distance, demographics, disease burden, determinants, and disparity together create structural barriers that urban-focused policy often fails to address. Brian also shares how ECU Health builds a sustainable workforce from within its own communities, using point-based admissions systems with local universities to keep talent close to home, and how the organization has partnered with AMN Healthcare to achieve conversion rates for international nurses well above the national average. The conversation closes with a candid look at the role technology can play in closing access gaps, and the advocacy work that healthcare leaders must take to ensure rural systems remain viable for the communities that depend on them. This episode offers healthcare leaders a clear and structural lens for evaluating rural care delivery, along with concrete workforce and policy strategies that translate directly into retention, access, and financial sustainability. Key Takeaways Rural healthcare needs a structural definition, not just a geographic one. Brian's six dimensions of rurality (density, distance, demographics, disease burden, determinants, and disparity) reframe how leaders and policymakers should evaluate rural care delivery. Hospital closures are the tail end of a much longer decline. Physician loss, specialty care exits, and reduced preventative services happen long before a hospital closes its doors. Payment reform must remain a top policy priority. Wage index adjustments and reimbursement structures often pay rural systems less for treating the same disease burden as urban systems. Local workforce investment drives long-term retention. ECU Health adjusts university admissions criteria to prioritize students from the communities it serves, growing local enrollment by over 10 percent. Mission-driven culture fuels nurse retention, both nationally and internationally. ECU Health converts more than 90% of international nurse placements into permanent employees, a rate significantly above national average. Technology can close access gaps that bricks-and-mortar models cannot. Telehealth and AI free up clinician time for direct patient care and extend reach across low-density rural regions.   Chapters 00:00 – Introduction to Brian Floyd and ECU Health 01:01 – Brian's Journey from Nursing to Health System Leadership 04:08 – Why Rural and Urban Healthcare Operate Under Different Realities 07:04 – The Six Dimensions of Rurality: Density, Distance, Demographics, Disease Burden, Social Determinants, and Payment Disparity 14:06 – How Technology and AI Can Close Rural Access Gaps 17:37 – Where Rural Healthcare Gaps Hit Hardest: Patients Versus Systems 20:52 – The Policy Gap: Why Payment Reform Matters Most 24:08 – Building a Sustainable Rural Workforce from Within 32:29 – Local Talent Meets Global Talent: Retaining International Nurses 36:42 – Advocacy Advice for Healthcare Leaders Meet Brian Floyd Brian Floyd is Chief Operating Officer at ECU Health, a health system with eight hospitals, including a 1,100-bed tertiary academic medical center, and roughly 250 clinics across eastern North Carolina. He also chairs the board of the North Carolina Health Care Association. Brian began his career as a nurse in cardiac surgery before moving into practice administration and executive roles, eventually leading ECU Health's academic medical center as CEO. With more than 30 years of experience spanning clinical operations, health system leadership, and health policy, Brian is a recognized voice on rural healthcare sustainability, workforce strategy, and payment reform. Learn more about ECU Health at ecuhealth.org. Sponsors: We're proudly sponsored by AMN Healthcare, the leader in healthcare staffing and workforce solutions. Explore their services at AMN Healthcare. Learn how AMN Healthcare's workforce flexibility technology helps health systems cut costs and improve efficiency. Click here to explore the case study and discover smarter ways to manage your resources!Discover how WorkWise is redefining workforce management for healthcare. Visit workwise.amnhealthcare.com to learn more.About The Show: Elevate Care delves into the latest trends, thinking, and best practices shaping the landscape of healthcare. From total talent management to solutions and strategies to expand the reach of care, we discuss methods to enable high quality, flexible workforce and care delivery. We will discuss the latest advancements in technology, the impact of emerging models and settings, physical and virtual, and address strategies to identify and obtain an optimal workforce mix. Tune in to gain valuable insights from thought leaders focused on improving healthcare quality, workforce well-being, and patient outcomes. Learn more about the show here. Find Us On:WebsiteYouTubeSpotifyAppleInstagramLinkedInXFacebook Powered by AMN Healthcare Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Google Play adds Venmo as a payment option, TrendForce estimates Apple’s iPhone component costs jumped 38% compared to previous models, and Meta releases a free AI model able to run on a single computer. MP3 Please SUBSCRIBE HERE for free or get DTNS shows ad-free. A special thanks to all our supporters–without you, none ofContinue reading "Google Play Adds Venmo As Payment Option – DTH"

What happens when an AI agent does your shopping — and how do you make sure it doesn't order two grills instead of one? In Part 2 of his conversation with Motley Fool CEO Tom Gardner, Mastercard CEO Michael Miebach breaks down the company's Agent Pay protocol, explains why machine-to-machine payments could transform B2B commerce, and reveals why Mastercard just acquired the world's largest stablecoin platform. He also gets into what the AI revolution really means for employment, why proprietary transaction data is Mastercard's deepest competitive moat, and how he personally stays sharp running a $500 billion company. Host: Tom Gardner Guest: Michael Miebach Producers: Bart Shannon, Lauren Budabin Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when an AI agent is authorized to make a payment, but nobody can verify the wider agreement behind it? In this episode of Tech Talks Daily, I speak with Zor Gorelov of Blue Language Labs about the infrastructure businesses may need as AI agents move from answering questions to negotiating, approving, purchasing, coordinating, and settling commercial activity. Many current business processes depend on human coordination. People reconcile spreadsheets, chase signatures, confirm deliveries, review exceptions, and resolve disagreements between systems. This work often remains invisible because employees absorb the ambiguity through emails, calls, and follow-up. Agent driven business changes the speed and volume of those interactions. One agent making an isolated payment can be handled as a software transaction. Several agents coordinating dependent actions across companies, banks, suppliers, platforms, and customers creates a much larger infrastructure problem. Zor argues that authorization answers only part of the question. An agent may have permission to pay, but every participant also needs to understand what the payment covers, which conditions apply, who can approve changes, what evidence confirms delivery, and when funds should be captured, refunded, or settled. Blue Language Labs is developing an open source protocol designed to structure those commitments. Blue Documents represent machine executable agreements containing participants, permissions, obligations, conditions, and the current state of a business process. Blue Mandates provide agents with revocable authority. A business can define spending limits, permitted actions, and thresholds requiring human approval. The meeting notes include the example of a restaurant operator allowing an agent to accept smaller bookings automatically while requiring approval for catering orders involving over 20 people. Blue Timelines provide an append only, hash linked record of actions, approvals, and changes. The aim is to give participants an independent history they can use when resolving disputes, instead of relying on conflicting emails or records controlled by one company. Zor brings the concept to life through a travel package assembled by an AI agent. The agent identifies a boutique hotel with spare inventory, a restaurant with available tables, and a local guide with unused capacity. Each business defines its terms, the agent assembles the offer, and the participants approve their roles. The customer purchases one package. Payment can be authorized at the beginning and captured according to agreed conditions as the hotel, restaurant, and guide confirm fulfillment. If one participant declines or fails to deliver, predefined rules determine whether the agent finds a replacement, changes the package, or triggers a cancellation. We also consider how Blue differs from traditional workflow systems, agent orchestration tools, and blockchain smart contracts. Blue is designed for coordination across separate businesses without requiring every participant to join one company platform or use global blockchain consensus. The opportunity could be especially valuable for smaller companies. Agents may allow several independent businesses to combine inventory, services, and expertise into offers they could not create individually. Adoption will depend on whether businesses, banks, and customers trust the protocol, accept shared definitions, and retain meaningful control. What would need to be written into a machine executable agreement before your organization could rely on another company's AI agent? Listen to the conversation and share your thoughts with me.

The Jim Rome Show HR 1 - 8/7/26 Another reported under the payment, no show contract for Kawhi Leonard and the LA Clippers thanks to Pablo Torre. At least it's not the worst LA Clippers scandal of all time. Then, Louisville Football Head Coach Jeff Brohm joins the show. Learn more about your ad choices. Visit podcastchoices.com/adchoices