Podcast appearances and mentions of Sallie Mae

Vulnerability prioritization, the final frontier. Many say they do it, but do they really? It takes way more than vulnerability data to truly prioritize vulnerabilities. Greg Fitzgerald, Co-Founder and CXO at Sevco Security, and Steve Lodin , Vice President, Information Security at Sallie Mae, join Business Security Weekly to dig in. We'll discuss the importance of context, including asset inventory and configuration management, in truly prioritizing vulnerabilities. But it's not that easy. We'll discuss the challenges and approaches to help solve this ever evasive topic. This segment is sponsored by Sevco Security. Visit https://securityweekly.com/sevco to learn more about them! Segment Resources: https://www.sevcosecurity.com/vulnerability-prioritization/ https://www.sevcosecurity.com/continuous-threat-exposure-management/ Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-389

Vulnerability prioritization, the final frontier. Many say they do it, but do they really? It takes way more than vulnerability data to truly prioritize vulnerabilities. Greg Fitzgerald, Co-Founder and CXO at Sevco Security, and Steve Lodin , Vice President, Information Security at Sallie Mae, join Business Security Weekly to dig in. We'll discuss the importance of context, including asset inventory and configuration management, in truly prioritizing vulnerabilities. But it's not that easy. We'll discuss the challenges and approaches to help solve this ever evasive topic. This segment is sponsored by Sevco Security. Visit https://securityweekly.com/sevco to learn more about them! Segment Resources: https://www.sevcosecurity.com/vulnerability-prioritization/ https://www.sevcosecurity.com/continuous-threat-exposure-management/ Show Notes: https://securityweekly.com/bsw-389

Vulnerability prioritization, the final frontier. Many say they do it, but do they really? It takes way more than vulnerability data to truly prioritize vulnerabilities. Greg Fitzgerald, Co-Founder and CXO at Sevco Security, and Steve Lodin , Vice President, Information Security at Sallie Mae, join Business Security Weekly to dig in. We'll discuss the importance of context, including asset inventory and configuration management, in truly prioritizing vulnerabilities. But it's not that easy. We'll discuss the challenges and approaches to help solve this ever evasive topic. This segment is sponsored by Sevco Security. Visit https://securityweekly.com/sevco to learn more about them! Segment Resources: https://www.sevcosecurity.com/vulnerability-prioritization/ https://www.sevcosecurity.com/continuous-threat-exposure-management/ Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-389

Vulnerability prioritization, the final frontier. Many say they do it, but do they really? It takes way more than vulnerability data to truly prioritize vulnerabilities. Greg Fitzgerald, Co-Founder and CXO at Sevco Security, and Steve Lodin , Vice President, Information Security at Sallie Mae, join Business Security Weekly to dig in. We'll discuss the importance of context, including asset inventory and configuration management, in truly prioritizing vulnerabilities. But it's not that easy. We'll discuss the challenges and approaches to help solve this ever evasive topic. This segment is sponsored by Sevco Security. Visit https://securityweekly.com/sevco to learn more about them! Segment Resources: https://www.sevcosecurity.com/vulnerability-prioritization/ https://www.sevcosecurity.com/continuous-threat-exposure-management/ Show Notes: https://securityweekly.com/bsw-389

We're joined with Amanda Teixeira, co-founder of WalletWin, to talk about her time as a full-time missionary and the lessons and fruit that came from years with FOCUS and beyond! Hear how she was at the beginning of both FOCUS Greek and FOCUS Summer Projects! In January 2012, FOCUS missionary Amanda Teixeira, and her husband, Jonathan, had $25,000 in debt and a deep desire to break free. A short — and zealous — seven and half months later they wrote their last check to Sallie Mae and closed the doors on debt forever. Since kicking debt to the curb, they've focused on saving, investing and giving in a way that set them up for total financial peace for a lifetime.Upon hearing their story, a few people asked them money questions — and they answered. That snowballed into hundreds of answers, speaking at events, providing financial coaching, and in 2017, founding WalletWin to provide Catholic financial formation for the whole family.They are authors of How to Attack Debt, Build Savings, and Change the World Through Generosity: A Catholic Guide to Managing Money, hosts of The Catholic Money Show, and creators of The Catholic Money Course, and The Catholic Family Emergency Binder. They have appeared on EWTN, FORMED.org, and are regular guests on Relevant Radio. Their financial formation programs are used by parishes, dioceses, and schools across the country.Jonathan and Amanda live in Omaha, Nebraska with their four children. As always, check out our work, and join our email list, at https://ouroutpost.org/join our free resource library platform herecatch our other podcast, Love Your Marriage, by clicking here: https://ouroutpost.org/podcasts/see what we have upcoming in terms of events here: https://ouroutpost.org/events/send us an email at hello@ouroutpost.organd please rate, review, and share!If you're a Catholic husband, feel free to sign up for some time to chat with Joseph! https://bookme.name/ouroutpost/45-minutes-with-joseph

Episode 373 of The VentureFizz Podcast features Jeff Bussgang, General Partner at Flybridge. Jeff has accomplished so much throughout his career. I'm sure lots of people probably know him best as a Venture Capitalist and Professor at Harvard Business School. But... you might not know the details about his startup career prior to Flybridge which I was really excited to dig into because he played a key role at two incredibly successful companies in the Boston tech scene. The first being OpenMarket, which pretty much invented eCommerce with its shopping cart technology that was licensed by companies like Amazon when they were just getting started. The company went public at a billion dollar valuation back in 1996 which was a very big deal. The second company is Upromise, where he was a Co-Founder along with Michael Bronner, who was also the Founder of Digitas and really helped establish the world of direct & loyalty marketing and David Fialkow, who you might also recognize as one of the founders of General Catalyst. Upromise allowed consumers, including myself, to save for their kids' college education through a loyalty rewards program. The company was very successful and it was later acquired by Sallie Mae. In addition to being an entrepreneur, investor, and professor, Jeff is also an author of three books and his latest book is called The Experimentation Machine - Finding Product-Market Fit in the Age of AI. Plus we talk about his Dad (Julian Bussgang), a scientist and entrepreneur who developed the Bussgang Theorem, Jeff educational background in AI, Flybridge's history of investments in AI, Hack.Diversity and so much more! Chapters: 00:00 Intro 00:05 Jeff's New Book - The Experimentation Engine 04:47 Jeff's Background and Early Influences 08:47 The Story of OpenMarket & Shopping Cart Tech 17:21 The Creation of Upromise 25:06 Transition to Venture Capital & Flybridge 26:37 Flybridge's History & Focus on AI 32:50 Flybridge's Investment Process 34:13 Advice on Go-to-Market Strategy 35:36 Getting Pitched by Curt Schilling 38:03 Teaching at Harvard Business School 39:48 Career Advice for Aspiring Entrepreneurs 42:22 Must-Have Versus Nice-to-Have Products 44:00 Hack.Diversity 46:46 The Boston Tech Ecosystem & AI 52:55 Recommendations - Apps & Podcasts Episode Sponsor: As a longtime champion of the local startup ecosystem, Silicon Valley Bank supports innovative companies with the solutions and financing they need through every stage of growth. With more than 1,500 bankers and relationship advisors, and $42B in loans as of Q2 2024 – SVB delivers the right people, service and resources to support your entire financial journey. Learn more at SVB.com.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Christopher Gray. He is the CEO and co-founder of Path, an AI-powered platform transforming the way students and professionals prepare for critical exams. Path is an AI-powered platform transforming the way students and professionals prepare for critical exams. Path provides unlimited practice questions, full-length exams, and personalized study plans for professional certifications in IT, cybersecurity, and healthcare, including CompTIA Security+, CompTIA A+, Microsoft Azure Fundamentals, and key healthcare certifications. It also supports students preparing for college admissions exams such as the SAT, ACT, GED, LSAT, GMAT, and more. By making high-quality test prep accessible and affordable, Path empowers learners from diverse backgrounds to achieve their professional and academic goals. Before Path, Christopher co-founded Scholly, an app designed to help students easily find scholarships for college and graduates pay off student debt. Scholly gained national attention on ABC’s Shark Tank, securing a deal with Daymond John and Lori Greiner while sparking the biggest debate in the show’s history. With over 5 million users, Scholly has helped students secure more than $100 million in scholarships. The app’s success led to its acquisition by Sallie Mae, furthering its mission to reach and support even more students. Christopher also serves on the Board of Directors of Camelback Ventures, an organizationdedicated to supporting underrepresented entrepreneurs in education and social impact. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Christopher Gray. He is the CEO and co-founder of Path, an AI-powered platform transforming the way students and professionals prepare for critical exams. Path is an AI-powered platform transforming the way students and professionals prepare for critical exams. Path provides unlimited practice questions, full-length exams, and personalized study plans for professional certifications in IT, cybersecurity, and healthcare, including CompTIA Security+, CompTIA A+, Microsoft Azure Fundamentals, and key healthcare certifications. It also supports students preparing for college admissions exams such as the SAT, ACT, GED, LSAT, GMAT, and more. By making high-quality test prep accessible and affordable, Path empowers learners from diverse backgrounds to achieve their professional and academic goals. Before Path, Christopher co-founded Scholly, an app designed to help students easily find scholarships for college and graduates pay off student debt. Scholly gained national attention on ABC’s Shark Tank, securing a deal with Daymond John and Lori Greiner while sparking the biggest debate in the show’s history. With over 5 million users, Scholly has helped students secure more than $100 million in scholarships. The app’s success led to its acquisition by Sallie Mae, furthering its mission to reach and support even more students. Christopher also serves on the Board of Directors of Camelback Ventures, an organizationdedicated to supporting underrepresented entrepreneurs in education and social impact. #BEST #STRAW #SHMS See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Christopher Gray. He is the CEO and co-founder of Path, an AI-powered platform transforming the way students and professionals prepare for critical exams. Path is an AI-powered platform transforming the way students and professionals prepare for critical exams. Path provides unlimited practice questions, full-length exams, and personalized study plans for professional certifications in IT, cybersecurity, and healthcare, including CompTIA Security+, CompTIA A+, Microsoft Azure Fundamentals, and key healthcare certifications. It also supports students preparing for college admissions exams such as the SAT, ACT, GED, LSAT, GMAT, and more. By making high-quality test prep accessible and affordable, Path empowers learners from diverse backgrounds to achieve their professional and academic goals. Before Path, Christopher co-founded Scholly, an app designed to help students easily find scholarships for college and graduates pay off student debt. Scholly gained national attention on ABC’s Shark Tank, securing a deal with Daymond John and Lori Greiner while sparking the biggest debate in the show’s history. With over 5 million users, Scholly has helped students secure more than $100 million in scholarships. The app’s success led to its acquisition by Sallie Mae, furthering its mission to reach and support even more students. Christopher also serves on the Board of Directors of Camelback Ventures, an organizationdedicated to supporting underrepresented entrepreneurs in education and social impact. #BEST #STRAW #SHMS Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Paying for college doesn't have to be a financial nightmare!  In this episode we talk about some of the ways to cover the cost without drowning in student loans. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: A Path to Free College for Those Who Serve With The Post-9/11 GI Bill https://heavymetal.money/gibill/ Free Tuition in Minnesota: Unveiling the North Star Promise https://heavymetal.money/northstarpromise/ Pay Less For Two-Year Degrees That Can Make You Bank https://heavymetal.money/twoyeardegree/ High-Paying Trade Jobs and Careers That Don't Require a College Degree https://heavymetal.money/tradejobs/ Econome Session - Chris Corinthian: How to Pay for College Without Student Loans https://youtu.be/4-SR8PN5Jiw?si=6AUGtQ2AOlyZHv52 Scholly has made $30 million in revenues since starting up and supported over 5 million users. The deal with Sallie Mae also has allowed the company to distribute the app for free; it used to cost $2.99 a month. https://www.sallie.com/scholarships/scholly Scholarships Scholarships are the best way to pay for college because they don't need to be repaid. Many scholarships are merit-based (for academics, sports, arts, etc.), but others are awarded for unique skills, interests, or even random qualifications. Where to find them: Fastweb.com, Scholarships.com, and the College Board's Scholarship Search. Local businesses, nonprofits, and religious organizations often offer scholarships. Many schools automatically consider students for merit scholarships upon application. Post 9/11 GI Bill  The Post-9/11 GI Bill offers a substantial list of benefits, making it a wicked-awesome opportunity to obtain low-cost, or perhaps FREE college education! Here's a breakdown of what it covers: Tuition and Fees (Full Coverage at Public Colleges and Universities): If you attend a public college or university, the Post-9/11 GI Bill provides 100% coverage for tuition and mandatory fees. If you attend a private or foreign school, the GI Bill can cover up to $27,120 per year (as of 2024). If your chosen school exceeds this amount, you may still receive additional funding through the Yellow Ribbon Program, which will be explained in more detail below. Housing Allowance (BAH – Basic Allowance for Housing): While enrolled in school, you receive a monthly housing allowance based on the local cost of living. If you're taking online-only courses, you'll still receive some money for housing, but it's approximately half of the full-time student rate. Money for Books and Supplies: You're allocated up to $1,000 per year to cover textbooks and school supplies. This money is directly deposited into your account, allowing you to purchase the necessary materials for your classes. Job Training and Certification Programs: The GI Bill doesn't limit its benefits to traditional colleges. It can also cover vocational schools, technical training, apprenticeships, and even flight school. visit the VA's website (www.va.gov/education/) for the most up-to-date information. Grants Like scholarships, grants are free money that does not need to be repaid. Most grants are based on financial need. Key Grant Programs: Pell Grant – Up to $7,395 per year (2024-25) for low-income students. Federal Supplemental Educational Opportunity Grant (FSEOG) – Additional aid for low-income students. State Grants – Many states offer their own need-based grants. Institutional Grants – Colleges may provide their own grants based on financial need or special circumstances. How to apply: Fill out the FAFSA (Free Application for Federal Student Aid) as early as possible. Work-Study The Federal Work-Study Program provides part-time jobs for students to help pay for tuition and living expenses. Jobs are often on-campus and flexible with class schedules. Unlike a regular job, work-study earnings don't count against your FAFSA financial aid eligibility. How to apply: Check the FAFSA box that asks about work-study interest. Employer Tuition Assistance (Let Your Boss Pay) Many companies offer tuition reimbursement for employees pursuing higher education. Programs vary but can cover $5,250 per year (tax-free) or more. Some companies that offer tuition assistance: Amazon's Career Choice Program Starbucks College Achievement Plan UPS Earn & Learn Program Walmart Live Better U How to apply: Ask your employer's HR department about tuition benefits. 529 College Savings Plans (Tax-Advantaged Savings) A 529 Plan is a tax-advantaged investment account for education expenses. Money grows tax-free if used for qualified education expenses. Some states offer tax deductions or credits for contributions. How to start: Open an account through your state's 529 plan website or a financial institution.

In Part 2 of our flight school financing episode, we jump straight into the most frequently asked questions about paying for flight school. Our guest from Sallie Mae tackles everything from loan qualifications to repayment plans and common concerns students have about financing their aviation education. If you're curious about how to manage the costs of flight school, this episode has the answers.

In Episode 30 of 'Pilots Say What?', we chat with a Sallie Mae liaison to explore all aspects of flight school financing. We cover how to get a loan, tackle barriers to entry, and address common concerns about paying for flight school. This episode is full of practical advice to help you navigate the financial side of becoming a pilot.

Aktien hören ist gut. Aktien kaufen ist besser. Bei unserem Partner Scalable Capital geht's unbegrenzt per Trading-Flatrate oder regelmäßig per Sparplan. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Aktien + Whatsapp = Hier anmelden. Lieber als Newsletter? Geht auch. Das Buch zum Podcast? Jetzt lesen. Der Autobranche geht's schlecht. Der Logistikbranche geht's schlecht. Der Luxusbranche geht's schlecht. Renault, UPS und Hermès beweisen das Gegenteil. KI boomt. IBM beweist das Gegenteil. Außerdem will Siemens jetzt Software-Gigant werden. Studium in den USA ist teuer. Deshalb ist Sallie Mae (WKN: 932543) ein Milliardenbusiness. Expedia (WKN: A1JRLJ) wurde von Booking abgehängt. Aber: Auch der zweite Platz verdient Geld. Es gibt ein B2B-Business. Das KGV ist im Sinkflug. Diesen Podcast vom 25.10.2024, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Ralph welcomes Middle East expert and executive VP of the Quincy Institute for Responsible Statecraft, Trita Parsi, to fill us in on the consequences of Israel boobytrapping pagers and walkie-talkies in Lebanon and how those tactics have the potential to blow back on us in the United States. Then we welcome back surgeon and humanitarian, Dr. Feroze Sidhwa, who has worked in Gaza during the Israeli assault, to update us on his efforts to get the Biden Administration to convince Israel to stop the killing. Trita Parsi is the executive vice president of the Quincy Institute for Responsible Statecraft, and the co-founder and former President of the National Iranian American Council. He is an expert on US-Iranian relations, Iranian foreign policy, and the geopolitics of the Middle East, and has worked for the Swedish Permanent Mission to the UN, where he served in the Security Council, handling the affairs of Afghanistan, Iraq, Tajikistan, and Western Sahara, and in the General Assembly's Third Committee, addressing human rights in Iran, Afghanistan, Myanmar, and Iraq. He has authored three books on US foreign policy in the Middle East, with a particular focus on Iran and Israel— Treacherous Alliance: The Secret Dealings of Iran, Israel and the United States, A Single Roll of the Dice – Obama's Diplomacy with Iran, and Losing an Enemy: Obama, Iran and the Triumph of Diplomacy.We're in a very sad situation in which we have a president who has been sitting on the front lines of American foreign policy for one-fifth of America's history, who thinks that he knows everything best, and clearly doesn't seem to be listening to anyone. And there's plenty of discontent inside the Biden administration itself—and people appear to have just given up and are waiting for the elections—but there's no clear signs yet that there won't necessarily be much of a change even after that.Trita ParsiLet's first remember that if any other entity had done this to Israel—or to us—we would not have hesitated for a second. We would have called it an act of terrorism, and we would have called it an act of war.Trita ParsiDr. Feroze Sidhwa is a trauma and critical care surgeon as well as a Northern California Veterans Affairs general surgeon, and he is Associate Professor of Surgery at the California Northstate University College of Medicine. Dr. Sidhwa served at the European Hospital in Khan Younis in March and April of this year, and he has done prior humanitarian work in Haiti, the West Bank, Ukraine, and Zimbabwe. Dr. Sidhwa and 45 other American doctors and nurses who have served in Gaza recently sent a letter exhorting President Biden, VP Harris, and First Lady Dr. Jill Biden to effect an immediate ceasefire.It's hard to appreciate, but really literally everything in Gaza that makes a place a society has been destroyed. I think of it in three levels— at the very base is agriculture, food production, and housing, at the level above that is healthcare, and at the level above that is things that are for a higher level of society, education, arts, industry, whatever. That top level is gone. Literally every university in Gaza has been obliterated, physically destroyed…The hospital system is almost completely useless right now…the functionality of the hospitals is very little more than a four walled space in which people can walk into and ask for a doctor to put bandages on them. And then even the lowest level…something like 85 or 90 % of the water sanitation and hygiene infrastructure in Gaza has been destroyed.Dr. Feroze SidhwaThis is just outrageous. I mean, why are we doing this even to ourselves? Is it worth corrupting the entire executive department of the United States so that we can murder more children? Is that what Americans want? I don't think so.Dr. Feroze SidhwaLet's talk about Lebanon itself, not just Hezbollah. This is war on Lebanon—that has a dysfunctional government, to be sure— but it is a state that the U.S. is allied with in a way, supplying modest weapons to the Lebanese army, and France has had long relations with Lebanon going back to the mandate period. In the U.S., this is a whole new constituency where they're losing relatives and friends.Ralph NaderMore links to the letter sent by Dr. Sidhwa and his colleagues:To Prime Minister Justin Trudeau in CanadaTo Prime Minister Keir Starmer in the UKHow to email the PresidentHow to call the PresidentWrite or Call the White HouseIn Case You Didn't Hear with Francesco DeSantisNews 9/25/241. On September 11th, Senator Patty Murray and Progressive Caucus Chair Pramila Jayapal sent a letter to the Biden administration demanding “an immediate, transparent, credible, and thorough independent U.S. investigation…into the killing of [Ayşenur] Eygi,” the American citizen murdered by Israeli forces during a protest in the West Bank. Senator Murray and Representative Jayapal both represent Washington state, where Ms. Eygi attended university. In this letter, Murray and Jayapal also list the numerous American citizens killed by Israeli soldiers even before the current explosion of tensions in the region, ranging from Rachel Corrie in 2003 to Shireen Abu Akleh in 2022. Senator Bernie Sanders echoed this call in his own statement on September 13th. Despite this pressure, the administration has not launched an investigation. The government of Turkey however – where Ms. Eygi was born, though she moved the United States when she was less than a year old – will pursue charges against Israel in the International Criminal Court and International Court of Justice, Reuters reports.2. The Intercept reports that the Uncommitted Movement will not endorse Vice President Kamala Harris' presidential campaign. In their official statement, the Movement leaders write “Vice President Harris's unwillingness to shift on unconditional weapons policy or to even make a clear campaign statement in support of upholding existing U.S. and international human rights law has made it impossible for us to endorse her.” Harris proved unwilling to even meet with the Uncommitted leaders. This cold shoulder could have disastrous consequences, particularly in Michigan where Uncommitted garnered over 100,000 votes in the Democratic primaries.3. Boeing is again in crisis. On September 20th, the New York Post reported that the chief of the company's space unit, Ted Colbert, had been ousted after Boeing's Starliner capsule left astronauts Suni Williams and Butch Wilmore stranded on the International Space Station. This comes amid a massive strike by Boeing machinists, 96% of whom voted in favor of the strike per Ryan Simms of KOMO News. The New York Post adds that Boeing's shares have lost over 40% of their value so far this year.4. In more union related news, on September 18th, the Congressional Workers Union announced that “staff in the Office of Congressman Mark Pocan and Congresswoman Val Hoyle secured the first-ever Memorandums of Understanding…between congressional staff and their members.” These MOUs include salary increases, back pay, and immediate cost-of-living adjustments. The union will continue to press for the first ever Congressional office collective bargaining agreement.5. On September 12th, the Consumer Financial Protection Bureau “filed a proposed order against student loan servicer Navient for its years of failures and lawbreaking.” If approved by the court, this order would permanently “remove Navient from a market where it, among other illegal actions, steered numerous student loan borrowers into costly repayment options…illegally deprived student borrowers of opportunities to enroll in more affordable income-driven repayment plans and forced them to pay much more than they should have.” Additionally, Navient would be forced to pay out $100 million to harmed borrowers, on top of a $20 million penalty. CFPB Director Rohit Chopra is quoted saying “For years, Navient's top executives profited handsomely by exploiting students and taxpayers…By banning the notorious student loan giant from federal student loan servicing and ensuring the winddown of these operations, the CFPB will finally put an end to the years of abuse.” Navient, formerly Sallie Mae, is described as “a repeat offender with a long history of regulatory violations,” and when the CFPB first took legal action against the company in 2017, it was the largest student loan servicer in the country.6. More Perfect Union's Jordan Zakarin reports the National Labor Relations Board has ruled that Starbucks illegally closed all three of its Ithaca, New York locations and that the NLRB “ordered that those stores be re-opened, with the unionized staff re-hired and given 16 months of backpay.” Yet, Zakarin notes that because this was decided by an administrative law judge, Starbucks can and more than likely will appeal this decision. This case starkly exemplifies why the capitalist class feels so threatened by the newly reinvigorated NLRB.7. A deeply disturbing story sheds light on sexual assault by CIA officers in postings around the world. The AP reports Brian Jeffrey Raymond, a longtime CIA agent, was sentenced to 30 years in federal prison for drugging, photographing, and sexually assaulting more than two dozen women in postings around the globe. Yet Raymond's case is just the tip of the iceberg. “[A]nother veteran CIA officer faces…charges in Virginia for allegedly reaching up a co-worker's skirt and forcibly kissing her during a drunken party in the office…Still another former CIA employee…is scheduled to face a jury trial next month on charges he assaulted a woman…at the agency's Langley, Virginia, headquarters. That case emboldened some two dozen women to come forward to authorities and Congress with accounts of their own of sexual assaults, unwanted touching and what they contend are the CIA's efforts to silence them.” Tellingly, even Raymond's own attorneys contended that his “quasi-military” work at the CIA in the years following 9/11 contributed to his “emotional callousness [and] objectification of other people,” that led to his preying upon women. It is well worth remembering that, once set in motion, dehumanization is not easily stopped.8. Amid an expansive corruption probe in New York City, Gothamist reports just how much the NYPD is receiving in overtime pay in the subway; whereas last year, this slice of overtime pay totaled $4 million in taxpayer money, this year it has ballooned to $155 million, a nearly 4,000% increase. Meanwhile the Mayor continues to slash budgets for essential city services, such as libraries.9. Rolling Stone reports the Crypto lobby is spending gargantuan sums of money to take out Ohio Democratic Senator Sherrod Brown – reportedly $32 million by the end of September, or $800,000 per day. Aware that their cause is unpopular, they are not running pro-Crypto ads, but instead spots that say his opponent will stop “illegal immigrants from taking Ohio's tax dollars.” As Luke Goldstein of the American Prospect puts it “Dems are getting played like a fiddle by crypto; Schumer caved to their demands to stop the bleeding and then crypto PACs said thanks we're still dropping $32 mil in OH to knock out your senate majority.”10. Finally, in a story featuring a dizzying array of the worst things imaginable, Bloomberg reports “The owner of the shuttered Three Mile Island nuclear plant in Pennsylvania will invest $1.6 billion to revive it, agreeing to sell all the output to Microsoft…as the tech titan seeks…electricity for data centers to power [AI].” This story notes that “one of the site's two units permanently closed almost a half-century ago after the worst…nuclear accident” in American history, but Constellation Energy is “planning to reopen the other reactor, which shut in 2019 because it couldn't compete economically.” In other words, Microsoft is dumping money into a defunct nuclear power plant that has proven to be unsafe for the sole purpose of powering AI that has no proven benefits. Corporate greed caused a catastrophe at Three Mile Island before. Corporate hubris could easily cause another.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

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Learn how the Fed's interest rate cuts may affect your loans, savings, and investments, as well as what to do about refinancing. How could interest rate cuts affect credit card debt? Will it be easier or cheaper to get a mortgage or auto loan with interest rates going down? Is now a good time to refinance? Hosts Sean Pyles and Anna Helhoski break down how the Federal Reserve's expected interest rate cuts could impact your finances. They discuss the potential impact on credit cards, mortgages, and savings accounts, as well as how these changes might influence borrowing and investing decisions. Then, Sean and Anna cover some of the top money headlines from the past week, including the latest inflation figures, household income trends, and new developments in student loan servicing following the Consumer Financial Protection Bureau's lawsuit against Navient, formerly known as Sallie Mae.  Refinancing your student loans can save you thousands or lower your monthly payment. NerdWallet has a tool to help: https://www.nerdwallet.com/refinancing-student-loans  In their conversation, the Nerds discuss: interest rate cuts, Federal Reserve, mortgage rates, credit card debt, loan refinancing, auto loans, savings accounts, inflation trends, household income, student loans, personal loans, CD rates, adjustable-rate mortgages, refinancing, high-yield savings, financial planning, debt consolidation, interest rate changes, fed rate cut, mortgage refinancing, investment strategies, federal student loans, FAFSA, CFPB, inflation report, personal finance tips, money headlines, inflation rate, mortgage interest rates, loan interest rates, private student loans, car loan refinancing, variable interest rates, economic data, financial markets, personal debt, interest rate savings, cost of borrowing, and loan interest. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

Today we ask David Bach the question: what does a latte truly have to do with your retirement plan...or your financial well-being in general? Plus, we chat with Sallie Mae about some trends in student loans. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jim Eickhoff is the President and CEO of Creative Dining Services based in Zeeland, MI. Jim joined Creative Dining in 2015 after 35 years of Senior Executive leadership experience from his time at Fortune 200 companies across the U.S., including the University of Phoenix/Apollo Education Group, Sallie Mae, HOSTS Learning, and The ServiceMaster Company. Under Jim's leadership, Creative Dining has experienced 50% growth and leaped to the 24th largest food service management company in America.  He is the first non-founder serving as President & CEO and is focused on excellent client experiences: providing outstanding dining programs with the highest level of customer service and integrity. Jim is committed to upholding a company culture of family while coaching employees to leverage their unique strengths to reach their highest potential. Jim Eickhoff received his B.A. in English and Secondary Education from Hope College in Holland, Michigan.  Jim and his wife, Lynn, reside in Holland, Michigan.

In this episode, Jeff and Jim discuss various Identity and Access Management (IAM) topics with their guest, Chris Power, Senior Manager of IAM at Sallie Mae. They tackle the evolution and challenges of non-human identities, the potential sunsetting of Role-Based Access Control (RBAC) in favor of policy-based methods, and the organizational design of IAM teams and the importance of governance and cybersecurity measures. The episode rounds off with a light discussion about Marvel movie news, focusing on Robert Downey Jr.'s return to the Marvel universe as Dr. Doom. 00:00 Introduction and Casual Banter 2:07 Exploring Digital Identity Trends 5:01 Conference Highlights and Discount Codes 8:35 Introducing the Guest: Chris Power 12:11 Deep Dive into Non-Human Identities 29:20 The Future of RBAC in IAM 30:42 Challenges in HR Systems and RBAC 32:21 The Complexity of Implementing RBAC 33:23 Exploring Alternatives to RBAC 34:13 The Role of Attributes in Access Control 37:35 Policy-Based Access Control (PBAC) 42:59 Organizational Design in IAM 52:34 Future of IAM with AI and Big Data 55:55 Marvel Universe Discussion 63:42 Conclusion and Final Thoughts Connect with Chris: https://www.linkedin.com/in/jameschristopherpower/ Chris' LinkedIn Post: https://www.linkedin.com/pulse/trying-something-new-chris-power-ysmdc/ Attending Identity Week in America, or Asia? Use our discount code IDAC30 for 30% off your registration fee! Learn more at: America: https://www.terrapinn.com/exhibition/identity-week-america Asia: https://www.terrapinn.com/exhibition/identity-week-asia/ Authenticate Conference - Use code IDAC15 for 15% off: https://authenticatecon.com/event/authenticate-2024-conference/ Connect with us on LinkedIn: Jim McDonald: https://www.linkedin.com/in/jimmcdonaldpmp/ Jeff Steadman: https://www.linkedin.com/in/jeffsteadman/ Visit the show on the web at http://idacpodcast.com and watch at https://www.youtube.com/@idacpodcast

Key Moments: The emotional temperature for change in analytics (5:06)There's no playbook for change management (7:53) Why Generative AI success requires a melding of expertise (17:20) Measuring the success of LLMs (18:58) How do you embrace the new when you're facing technical debt? (33:27)How to fine-tune your career in today's data and AI landscape (37:30) Key Quotes: “Business intelligence tends to have this notion of looking backwards. It's not thinking about prescriptive or predictive analytics, or live analytics, powered by the new capabilities that we're seeing. I do think we're going to evolve to a new name.” (03:42) “You'll find companies that were and are ahead of the curve will be able to take advantage of these new technologies, GenAI, LLMs, et cetera, much more quickly than other companies. So companies that have not invested the time, resources, money, attention, and prioritization into data governance, data use, and data literacy are at a serious disadvantage. And companies that have done the opposite, that have proactively invested, will be able to make significant gains.”“I think there's three pillars of success. One is understanding your data from end to end. What is it used for? What domain is it in? Understand it as much as possible. What is the product? What is the data product that you have in all aspects of it? Then, understand your business, right? How does data relate to your business? These people are going to be the ones that leverage the technology the most efficiently.”“Don't hesitate to take a lateral mobility move. I know people are always interested in going up, up, up, up, and up. However, you know, sometimes consider going sideways.” (40:46) Mentions: Jamie Dimon Annual Shareholder Letter Data Literacy Data Storytelling Unfrosted Film Hacks TV ShowAbraham Lincoln Bio: Scott Stevens is responsible for Intelligent Solutions, which empowers JPMorgan Chase employees through innovative data, Business Intelligence and low-code capabilities.Scott has been with JPMorgan Chase since 2011 and has worked in Financial Services his entire 32-year career, with prior roles at MBNA, Bank of America and Sallie Mae. Scott has been in data and analytics roles since 1997.Scott enjoys working with local universities on modernizing data science curriculum, guest lectures and coaching student teams on analytics projects.  While at work, Scott enjoys mentoring and likes to help people advance their careers and skills.  Scott serves on multiple non-profit boards, and Scott is the executive sponsor for the JPMorgan Chase Delaware Volunteer Leadership Group.Scott lives in Delaware with his family. Scott's personal interests include travel, wine-making, photography and rooting for the Philadelphia Eagles. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

In this episode of Monday Meeting, host Jen Van Horn hosts an open discussion where our freelance motion design listeners discuss the common summer slow down. This episode offers fresh perspectives and advice for managing the highs and lows of freelance work, with an emphasis on community and resource sharing. We cover a range of topics, including: Tips for managing slow periods in freelance work, including budgeting, personal projects, and maintaining work-life balance. Strategies for staying connected with clients and securing new projects without appearing desperate. The importance of networking and creating accountability groups to share opportunities and support within the industry. Stories and insights from attendees about their challenges and successes in freelance motion design. Ways to stay visible in the industry through social media, personal projects, and regular updates to clients. Learn how to turn slow periods into productive times and strengthen your freelance career with community support. Heads up, listeners! We are changing the show time of the podcast; starting July 1st, we will meeting 1 hour later (11am ET / 8am PT / 3pm UTC) to better accommodate our listeners in various timezones, according to our poll results. We are also really excited to start collecting anonymous "Crazy Client Stories" to read on the podcast soon, so please submit your stories ⁠⁠HERE⁠⁠ to be considered! For this episode and more on mastering the freelance motion design journey, visit MondayMeeting.org! SHOW NOTES: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monday Meeting Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monday Meeting Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Monday Meeting LinkedIn⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Monday Meeting Instagram⁠⁠ ⁠Anonymous Client Story Form Questions for Drysen Carsten Will Colón's Sallie Mae project

We are here at PegaWorld iNspire at the MGM Grand in Las Vegas, Nevada we've been seeing some amazing things, including how AI can transform the enterprise and we've been hands-on at the Innovation Hub. Digital transformation is often seen as an overwhelming challenge, and stats certainly confirm this. Understanding how to implement change gradually can be key. Returning to the show today is Tommi Marsans, Associate Director of Marketing Technology Strategy at Verizon Business, who will share insights into making big changes one step at a time within a large enterprise setting. ABOUT TOMMI MARSANS Tommi has over three decades of marketing technology experience, with a focus on enabling marketing through alignment of technology and strategy. She is highly skilled in effectively collaborating across the organization to drive transformation and innovation by leveraging marketing technology to drive marketing and sales business strategies. She is currently the lead for Pega decisioning for Verizon Business Group and has developed a dynamic customer responsive solution called Compass for customer retention and My Solutions for customer growth across digital, sales, and retail channels. She has won several awards for innovative uses of technology including Best in Class and B2B Customer Loyalty awards from The Loyalty 360 group, a SAMMY for User Experience Optimization in 2022 and 2023, and finally the PegaWorld iNspire Impact award. In addition, she has been asked to speak several times to the marketing industry on subjects as diverse as leveraging Big Data to ethical use of AI &ML. Previously Tommi has held executive roles as a VP of Marketing at a regional marketing company and Executive Director of Marketing Operations at Sallie Mae. She is also founder of the Force Multiplier Foundation, a charity dedicated to bringing help to those in need. Recently Tommi was selected to be a Crew Captain for the Pre-Leader Academy at Verizon to develop emerging leaders across the organization. She is also an avid fan of Sci-Fi (Marvel and Star Wars primarily) and has a vast collection of movie memorabilia. RESOURCES Verizon Business website: https://www.verizon.com/business/ Pega website: https://www.pega.com Listen to The Agile Brand without the ads. Learn more here: https://bit.ly/3ymf7hd Headed to MAICON 24 - the premier marketing and AI conference? Use our discount code AGILE150 for $150 off your registration code. Register here: http://tinyurl.com/5jpwhycv Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company Learn more about your ad choices. Visit megaphone.fm/adchoices

I thought it was pretty difficult to find a mom as awesome as mine. I realized that as much as I love my own mama, there are totally moms out there that deserve to tell their own stories. My own mother's story of resilience and strength gives me motivation every single day. With this thought I pondered, What Mothers can I find for this show? To be completely honest, I had a completely different guest planned for this segment, but as life had it they postponed and left me with an empty slot. I describe our podcast to be like my blog, just in real life. In my blog, I learned that my own vulnerabilities and imperfections resinated with more people.  Well, it was time I found someone that fit the bill for the show. Writer, wife and mother, Sallie Mae is a writer for our digital magazine and last year, took us on an unspeakable journey of self exploration and empowerment and strength. Being Guatemalan and raised in Southern Louisiana by 2 caucasian parents didn't come without its share of learning curves. Sallie navigated throughout her younger years surrounded by love of her  adopted family, but also longed to find her birth family back in Guatemala. She learned early own of her differences with the typical American Family. While on this broadening journey of identity and investigation, Douglas and I met Sallie Mae.  And in those first moments, everything in our lives stopped. The sounds went quiet. Except for the beating of my heart pounding out of my chest. 8 1/2 years ago, Sallie Mae changed our lives forever. Listen to the story now and in a bit read her work in our digital magazine atwww.nolapapa.com/digital-magazineThen later we welcome another resilient and cool cat named Michael Cramer. He is a 22-year-old cancer survivor, bone marrow transplant recipient, social media influencer, motivational hero. He was a surfer, skater, on the Olympic Development team for windsurfing.  Stricken with multiple sicknesses, Michael's mama, Ashlee Cramer rushed by her son's side and has been there ever since.  In 2014 her husband was diagnosed with Large B Cell Lymphoma. She became the sole source of income, the caregiver for her husband, as well as mom and dad to their three children. Tragically, he died in 2016, but this only brought the family closer. July 14, 2020, heartbreak hit again. Michael was diagnosed with an insanely rare and aggressive cancer, Hepatosplenic T-cell lymphoma. Less than 200 documented cases ever. Average survival 8 months. Ashlee quit her job to be with Michael full-time. Miraculously, 3 years later, Michael's alive. He's been through chemo, radiation, bone marrow transplant, near fatal GVHD (graft versus host disease), hospital admissions for gastroparesis, liver failure, AVN (avascular necrosis), it goes on. Through it all, Ashlee never left his side, and their relationship became an unbreakable bond. Together the two have taken this heartbreak and found “beauty in pain”. It's their theme.  That and “love”.The journey of Michael's cancer became a story to share, a purpose to fulfill. The mother and son started a podcast, Michael and Mom Talk Cancer, and soon after, a website, a blog, YouTube videos. They use social media to update and Thank you to our family of amazing sponsors! Ochsner Hospital for ChildrenWww.ochsner.orgRouses MarkersWww.rousesmarkets.comSandpiper VacationsWww..sandpipervacations.comZak George's Dog Revolution! The Law Firm of Forrest Cressy & James Www.forrestcressyjames.comComfort Cases Www.comfortcases.orgNew Orleans Ice Cream CompanyWww.neworleansicecream.comReal Estate with Steph & Berkshire Hathaway www.realestatewithsteph.comAudubon Institute www.auduboninstitute.orgThe Gift of Adoption FundGiftofAdoption.org

Jim Jonassen is a builder of teams, companies, products and communities. He's founded five executive search firms over the past 30 years, including Riviera Partners Partners and JJA. Jim was co-founder, CEO and Chairman of venture-backed Peoplemover Inc., an enterprise software firm that merged with Opus360 prior to its 2000 IPO. He also founded and led Micro J Systems, a developer of software solutions for staffing and talent acquisition specialists. Known for creating teams that achieve both scale and investor returns, Jim has been instrumental in assembling leadership teams for clients like 2K Games (NASDAQ: TTWO), Cornerstone OnDemand (NASDAQ:CSOD acquired by Clearlake Capital Group), CrowdStrike (NASDAQ: CRWD), EVgo (NASDAQ:EVGO), FIGS (NYSE:FIGS), Green Dot Corporation (NYSE:GDOT), Jellysmack Juvo Mission Cloud, The Honest Company (NYSE:HNST) and VELOCIFY, INC. (acquired by Sallie Mae). --- Support this podcast: https://podcasters.spotify.com/pod/show/dylanconroy/support

On this episode of the podcast, Hector Madueno and Miriam Dougherty welcome Sallie Mae's Director of Relationship Management, Jeff Lackey, to discuss the importance of the FAFSA for new college students. Together they provide helpful insights into the process of completing the FAFSA, various types of financial aid students may qualify for, and much more! Tune in and learn how to set your future college student up for success as they continue their journey of pursuing higher education... because understanding the different ways you can pay for a college education just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Federal Student Aid - FAFSA Sallie Mae Sallie Mae - How America Pays for College California Student Aid Commission SAFE Credit Union - Student Loans SAFE Credit Union - Scholarships SAFE Credit Union - Refer Your Friend To contact the hosts, email us at Podcast@safecu.org To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

Episode 55 of the "Everything Except The Law" podcast has arrived! This time we're speaking with Bo Royal, CEO & Co-Founder of Pareto Legal.In this episode, Bo and host Nick Werker discuss how paid advertising fits into a law firm's overall marketing strategy, what law firms need to have in place before investing in paid ads, things to look for in a marketing partner and much more!About our guest: Bo and Pareto co-founder Jake Barufkin and met a decade ago at eBay's marketing solutions division, where they led large teams of digital marketing experts and analytics specialists that oversaw $250M+ in annual advertising budget for their clients. Some of the large clients they worked with included: Aeropostale, Alex & Ani, BCBG, bebe, Calvin Klein, Dr. Marten's, GNC, JACK SPADE, Kate Spade New York, Nixon, Perricone MD, Sallie Mae, Serta & Stuart Weitzman.Today, Bo and Jake own and operate two "sibling" agencies: Pareto Legal & Pareto PPC. Both agencies leverage their experience and expertise that they developed working for fortune 1000 brands and in-house as CMO & COO at a large Philadelphia-based injury law firm (a firm that they were able to scale from 7-figures to 8-figures in under 3 years).Learn more about Pareto Legal here: https://legal.paretoppc.com/Subscribe to the Answering Legal Channel so you never miss an episode of Everything Except the Law! Check out audio versions of the show on Apple Podcasts, Spotify and Anchor. Learn more about the show here: http://ow.ly/Eni250LekLgInterested in learning more about Answering Legal? Book an appointment to speak with us here: http://ow.ly/LSUq30sjviNYou can also give us a call at 631-400-8000 or go to www.answeringlegal.comThis podcast is produced and edited by Joe Galotti. You can reach Joe via email at joe@answeringlegal.com.

#EnvisionRISE Podcast | Poorvi Parkhie, a business attorney based in Denver, Colorado, shares the essential legal aspects of small business ownership. Poorvi discusses her journey from in-house counsel at Sallie Mae to supporting local small and medium-sized enterprises with their legal needs, emphasizing the importance of legal protection from the outset. She shares the significance of policies, contracts, and compliance with evolving regulations, offering valuable insights for entrepreneurs navigating the complex legal landscape of business ownership.Learn more about Poorvi: https://www.linkedin.com/in/poorvi-parkhie-32371389/https://www.poorviparkhie.comVisit Envision RISE to learn how our evolutionary platform helps companies create a powerful integration and understanding of the relationship between the organization and the workforce. Envision RISE empowers your people to drive change and innovation through the methods of Organizational Change Management (OCM), Human Resource Management (HRM), and Diversity, Equity and Inclusion (DE&I).Envision a Better FutureFollow us on social: LinkedIn, Instagram, Twitter, FacebookContact us for info on RISE or interest in being a podcast guest: info@envisionrise.comAll podcasts produced by Elevate Media Group.

Learn how to escape or even avoid crushing student debt  I am beyond thrilled to bring to you a remarkable young women, Bri Franklin, who co-founded the non-profit The Prosp(a)rity Project to help others avoid the massive amount of debt she incurred by attending an expensive college and being ignorant of the student loan consequences. She could have let the financial burden she experienced after graduation defeat her, but she decided to defeat it. Over many years she has worked tirelessly to pay off almost all of her debt. Now her mission is to help others in the same boat. Listen in, be inspired, and please share far and wide. Watch and listen to our conversation here Key takeaways from our conversation: Young people: think very carefully about who you want your future self to be, and make sure that the you of 10 or 20 years from now thanks you and is appreciative for the actions that you take today. Taking out loans have the potential to either upgrade your life or set you far behind the eight ball. Bri: If I could do it all over again, I absolutely would have heeded the advice of being very careful before just blindly signing any paperwork. College used to close the gap between socioeconomic groups, but now unfortunately, because of some bad acting, it has become the opposite and is now growing the wealth gap between socioeconomic classes and race communities. Predatory lending is subprime lending, taking advantage of a customer for the sake of financial gain. It's basically taking advantage of customer and consumer ignorance, which tends to adversely impact people in black and brown communities. Bri's hope is to educate young people and their parents through the educational system long before they make college loan decisions. Want to connect with Bri? You can find her on LinkedIn, Instagram, Facebook, Twitter, and her website The Prosp(a)rity Project. More stories of courageous entrepreneurs making a real difference in people's lives: Hamilton Perkins—An Inspiring Entrepreneurial Success Story Theresa Carrington—Transforming Impoverished Artisans Into Entrepreneurs  Lynette Guastaferro—Transforming How Teachers Teach In Over 700 Urban Schools Ivy Gordon—Providing A Powerful Voice To The Sexually Abused Additional resources for you My two award-winning books: Rethink: Smashing The Myths of Women in Business and On the Brink: A Fresh Lens to Take Your Business to New Heights Our new book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success, co-authored by Edie Fraser, Robyn Freedman Spizman and Andi Simon, PhD Our website: Simon Associates Management Consultants Read the transcript of our podcast here Andi Simon: Welcome to On the Brink With Andi Simon. Hi I'm Andi Simon. Remember, my job is to get you off the brink. And the way I like to do that is to help you listen to people, or see them if you're watching the video, who can help you really understand the challenges in front of us in these fast changing times, and how you can see, feel and think about them with a fresh perspective. I like that fresh lens because unless you see somebody who's addressing a problem, you really don't understand the words, even if you read about it or maybe watched a video. There's something very personal about some of the challenges that we're facing that you might be as well. And so how do you address them? So I met Bri Franklin, and Bri came to one of our book launch events for Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success. And I must tell you that the book tour has been extraordinary as well. I'm enjoying the people we meet there. So she and I spoke afterwards. Let me give you a bit of a biography of her bio, and then she'll tell you much more about her own journey. And I think it's an important one that you understand. Bri Franklin is a businesswoman, philanthropist and student debt expert and thought leader with a passion for the socioeconomic and holistic empowerment of Black girls and women. And I think you're going to think about this for all girls and women, but particularly women of color who are dealing with things in a particular fashion. Having taken on a financial burden that eventually ballooned to nearly $120,000 in student debt through her undergraduate studies at Dartmouth College, Bri developed an acute appreciation for the challenges many student debt holders experience, including their diminished ability to establish financial independence, take advantage of personal freedoms, or launch a business venture. There was an article I was reading today about how the student debt for the generation who's coming into the markets today is limiting their ability to buy a car. Today, a car is so expensive, it's often as expensive as buying someplace to live. And 52% of the young people are living at home, not necessarily because they want to, because it's impossible to find a place they can afford even if they share it. So our economy and our society is very challenging for young people because of the student debt and the inability to get past it. In recognizing the extent to which other Black women in particular experience adversity at the hands of the $2 trillion student debt crisis and the lack of financial literacy, particularly not knowing what it means, not knowing what to do about it, Bri formed The Prosp(a)rity Project as a solution for eradicating the systemic barriers. Her work has been profiled in outlets such as Forbes, BuzzFeed, Authority Magazine, and Thrive Global, and she's attracted support from audiences worldwide, generating nearly $400,000 in revenue. But I think this is a more complicated and serious opportunity for you to understand what's happening, how it's impacting lots and lots and lots of young people, particularly Black women, and what we need to do to teach them how to be literate, but also how to use it wisely. Even businesswomen tell me that they don't understand the finances and they don't go after capital. So this is a big long term opportunity for us to educate them. Thank you for joining me today. Bri Franklin: Oh my gosh. Well, your intro was incredibly flattering. Thank you so much for making space and the opportunity for me to be a guest today. Andi Simon: You are a beautiful and brilliant woman. I'd like you to share with the audiences your own journey because as you shared it with me, I went, oh my gosh, we have to have you on our podcast so people can appreciate that, that nothing is a straight line from here to there. And your journey is not unique. There are many others just like you, but yours is the one we're going to focus on. Who is Bri Franklin and what has been your journey so far? You're a young person, but it's been a complicated one. Bri Franklin: It certainly has. I like to say that I had a very atypical post-graduation trajectory, and it was very much a jungle gym and not a straight line or ladder. So I came out of Dartmouth. I was the first in my family not to go to college but to go Ivy League. So I grew up in the Deep South, from Atlanta, Georgia, and always performed at the top of my class, student honor roll, principal's list. You get the idea. And everyone just always told me, you've got to go to the Ivy League. You know, that's where it's at for you and that's where you're going to thrive and excel. And so I really internalized that and thought, this is the only way to really honor my academic inclinations to the best of my ability. I started with one of the schools in my top choices and I ended up getting accepted, and it was between Dartmouth and Emory University. So, again, as an Atlanta native, it was a very close call because Emory was offering quite a bit of financial aid to the tune of all but $5,000 in grants, and that would have applied across all four years. So if I had chosen there, I would have walked away with no more than $20,000 in debt. That's if I hadn't done work-study or anything to offset my obligation versus the $100,000 that I came out of Dartmouth with. And the deciding factor was, I was looking at the opportunity of going to an Ivy League and being in those circles, and the 18-year-old version of myself was also very much motivated by getting away from my parents and being able to break camp and go do my own thing. Not the best decision or reason for accruing so much debt, but that is how my story goes. So I came out of Dartmouth in 2017, as I mentioned, with $100,000 in debt principal, and then it quietly ballooned to about $116,000 within two years because of both interest and ignorance, on my part, and because of that ignorance, I also aimlessly wandered into other kinds of debt, and that included credit cards, and a car that was way outside my budget. It impacted every level of my life, socioeconomically and mental health, and put me behind the eight ball in terms of achieving the typical milestones that young twenty-somethings often have made in the past, with little to no friction. So, and having dealt with that personally, I just became incredibly empathetic to others in that situation because it showed me that this was not the result of anything that I had done as far as breaking rules. In fact, I was trying to follow the rules, but unfortunately it worked against me because of what I now discovered is called predatory and subprime lending. So that's exactly what my work focuses on resolving at a systemic level. Andi Simon: When you went off, I'm curious, we all have kids and grandkids who are looking at college. And were you knowledgeable about student loans when you made the decision to go to Dartmouth without the grants as opposed to Emory with the grants? And was the reputation that much more powerful, did the colleges help you at all? Bri Franklin: I get asked this a lot because people really were stuck trying to figure out why would I take the route that I did when Emory was literally making it so much more financially feasible? And that was because at 18, I call it the Know-It-All factor. A lot of teenagers are guilty. I think that's almost the rule of thumb is that being adolescent and teenage, you just get in your own way sometimes and you think you know everything and that you've got all the answers. And that was really how I functioned, because no one had explicitly taught me what all was at stake. You know, people just said things that were very nebulous, like, that's a lot of debt. But I also would hear things like, oh, but you're going to Dartmouth and you're going to get hired immediately, and you'll be able to write your own ticket. That was everyone's favorite phrase: guidance counselors, teachers, relatives. A lot of people were just so convinced that by virtue of attending a school of that pedigree, that was automatically going to translate into an optimized advantage in the job market and increase my earning potential. And so I just absorbed those promises and I didn't really think to probe beneath the surface and take a step back and consider. Based on having majored in English literature, not having done a traditional internship, I didn't know the first thing about networking. I didn't know how to play those Ivy League cards. So I really came out almost with no measured advantage right away. And, you know, for all intents and purposes, I think in those initial years, I could have been off to a stronger start coming out of Emory, but it was definitely a delayed gratification thing. And at these stages of my career, in my life, the Dartmouth Circle has come back full circle, and it's now paid off in dividends in terms of the opportunities and the rooms that it puts me in. But I had to actively work for that, it was very much something I had to go out of my way to make up for lost time on, and it cost me quite a bit in the interim. Andi Simon: What's so interesting is that you're a smart woman, and yet understanding the culture that you're going into, there was no way to imagine it. You were imparting upon it your own sense of how it was going to benefit you. Even being an English major without having an internship, you were having a great time being you, and it wasn't necessarily a good set up for the future, even if you didn't have the debt. You're missing something. We talk in business about mentors or sponsors. Well, here's an 18 year old who needed somebody who could guide you through your labyrinth and the jigsaw that you were going to be going through so you came out wiser, not poorer. So it's interesting, as the listener is listening or viewing, how did you get yourself past the $116,000 in debt? Were you able to figure out a way out of it? Because I have a hunch that's part of Prosp(a)rity Project‘s foundation. Bri Franklin: So the short answer is, I'm still working through it. Unfortunately, I have not completely cleared it. However, I have made progress. I paid off about $40,000 of those various debts. So the total number, including the car, the credit cards, at the time was about $123,609. And I say, zero common sense. So I was able to shave off about $40,000, and I rolled up my sleeves and I threw pride completely out of the window. And in 2019, I say that was my aha! I had a moment. I'd gotten so far behind on my loans, which for my private lenders alone were about $750 a month, irrespective of income. So because I came out and I was working temp jobs and contracts, I mean, I was making $15 an hour on a good day. And so I say my income was inconsistent at best, nonexistent at worst. And the fact that my debt was constant regardless of what I was earning, that was, of course, very challenging to overcome. And just even at a practical level, having conversations with the lenders on the phone, the representatives, trying to appeal to them, get them to cut me a break, get them to give me some extra flexibility, it didn't always go over well. And so it all blew up in the summer of 2019, where my credit had taken a hit by about 150 points overnight because I fell more than two months late on my loans. And that also spilled over to my co-signers, my dad and step mom at the time; both of them had signed on to those initial private loans, and that had consequences for their credit. And it put us at odds interpersonally. And those relationships were always very valuable to me growing up over the years. So it was just a cobweb of dysfunctionality and heartache, really. And so that was helpful, though, because it was able to just reroute me and caused me to take stock of my situation and just decide, as I said at the event, it may have started with these external factors. “This situation is terrible and I am irritated by it.” But even though it didn't start with me, it ends with me. And so that's why I rolled up my sleeves. I got two part-time jobs. I worked retail, which as an Ivy League graduate, takes a lot of humility to suck up the courage in your hometown, of all places, where you're running into classmates and teachers and all kinds of people who are like, wow, that's where Dartmouth landed you. It was very much a pride component to it. But I was so motivated to get out of debt, I really didn't care. I was like, if people are going to judge me for this, that's their problem. I'm getting money by ethical means, and it's building character, which it really did. So that was the foundation. I did what Dave Ramsey calls the debt snowball, and I started with the smallest balance listed out regardless of interest. And then I began chipping away. And because it does work as a psychological boost, when you can see the numbers go away, you feel like I can do this. And it doesn't feel like I'm draining the ocean with a teaspoon. This money does count for something. It is making a difference. It sets you up for progressive wins. And so I continued to keep those jobs through the end of that year, and I kept Orangetheory when I moved to the Bay area in 2020. I stayed and I enjoyed the increased pay difference because of the California minimum wage being twice of Georgia's. But I was able to stay with family friends and not have to pay rent. So I got all the upside and none of the financial downside, and I just aggressively knocked those loans down. And then once Covid hit, then it was starting from scratch all over again. And then once I started up The Prosp(a)rity Project, that summer was when I finally felt like my purpose was walking into place and I could see myself continuing down this route. And if all went well, being able to eventually climb out of debt along with the people that we helped. Andi Simon: You know, I'm a visual person, and your story almost looks like a movie. Hopefully one day it's real on the one hand, but I'm listening to you share with us the agony, the catalytic moment, the moment at which you realize that I can't keep going like this. The impact you had on your family. None of this should be missed by the listener or the viewer because this is a very smart woman who found herself in a difficult situation that she's working out of. It's not like she won the lottery but it is without a whole lot of help. It's not as if everybody's walking around on those, either the credit card or the car, but it is. And she's also a representative of the generation that is finding themselves very much like herself in difficulty. You know, I'm a smart person. How did this happen? And once you got past that, how this happened, did it? Then how do I do something about it? Well, I can work hard. But now you've got Prosp(a)rity Project. Are you working on anything else? Or is this your business that you're going to turn into a solution? Bri Franklin: Yes! So Prosp(a)rity Project, this was my 24/7 life commitment for the last three and a half years. So we started up in the summer of 2020, and that took us all the way through this past December. And so we're now at an exciting point of pivot where we're using the last three and a half years of expertise, leadership, partnerships, just all of the gains and the wins that we've been able to accomplish collectively and through our work and turning that into an even more forward thinking solution. So for context, Prosp(a)rity Project‘ is a 501 C3 nonprofit. The mission is leveling the socioeconomic playing field for communities most susceptible to and impacted by predatory lending. And in our first iteration of work, that was exclusively serving debt constrained, college educated Black women. We launched what's called the 35*2 Free initiative, which draws its name from those two guiding statistics: $35 billion of student loan debt, as well as a 35% rate of financial literacy that Black women in the US hold collectively. And so through that program, it's a multi-pronged approach of not just helping that group pay down student loan debt, which we did up to $10,000 per person, but also training them on finance through what we call FinTech. So it's six months of personalized financial guidance to give them a better roadmap for how to manage and steward their money and eventually build wealth, coupled with eight weeks of career development training, where they can put that into practice and then use that to go out for higher paying jobs and pivot into more lucrative industries, etc. And so in doing those pilot runs, we did one virtual in 2022 with 12 women, we did a hybrid in the DC, Maryland, Virginia area last year with eight program members. We now have almost two dozen basically MVP's, that we've been able to coach and get to know personally and turn that into the basis for an app that does the same thing, but to another degree by helping prevent it altogether with teenagers. So we're calling it Cadet Prosperity. And this is taking that IP and all of the user experiences and live journeys of these women, turning it into gamified avatars that can then coach and pay that information forward to middle and high schoolers who are sitting ducks, basically, for more predatory lending and usury. So it's very exciting to bring it full circle and be able to help at critical scale. Andi Simon: Let me see if I can take what you said and play it back so that I fully understand it. First of all, what's predatory lending? You know, let's clarify the words. Bri Franklin: So predatory lending, as I've been explaining it in conversations and defining it through our work portfolio, is basically subprime lending or taking advantage of a customer for the sake of financial gain. So a lot of times that looks like very cryptic and underhanded paperwork or not being completely forthright in the terms, not going to great lengths to really make sure that the user understands what it is they're signing up for. So it's basically taking advantage of customer and consumer ignorance. And that typically tends to adversely impact people in black and brown communities, whose parents or grandparents also were susceptible and didn't know how to train them and break that cycle themselves. So it's basically exploitation in the lending industry. Andi Simon: Um, okay. Good. So understanding that, the other side of it is the ignorance of people to what that means and how to do it. And what you have had is now a dozen approximately folks who have gone through your program, which does two things, one of which is, begins to develop their career skills and the other helps them work off their debt, which if you combine the two, should get them a pathway to, I'll say, prosperity at least, so that they can see the end of the tunnel and celebrate where they're actually going to arrive. And if you don't know where you're going, it's difficult to get there. And now we've turned the nonprofit into a for-profit application for gamification, for younger borrowers. Is that what I hear? Bri Franklin: You summed it up beautifully. Andi Simon: Well, I heard what you said, but I also know sometimes, as the listener is paying attention to it, they don't quite necessarily put all the parts together. And I know that you've gotten on the one hand a training and development program nonprofit is that going to stay around, or are you going to move everything into a for-profit mode? Bri Franklin: In all transparency, that's a decision that we're going to be huddling on in a couple of weeks just to weigh the pros and cons either way. I want it to be completely certain, whichever direction we move it in, so that it wasn't a start-stop, because there's still a lot of merit to keeping the nonprofit intact. But at the same time, in just taking stock of the current fundraising climate, I think, user listeners and audience members who are also in the philanthropic space, we can all collectively agree that 2023 was not a great year. And especially in our case, being a social justice-founded organization that was unapologetically Black, serving for so long, it was a moment in time and certainly not a forever movement.  And so we've seen a lot of appetites go back to pre-George Floyd pre-COVID business as usual. There's a diminished sense of urgency around closing the gap for the black and brown community. So, my inclination is that we will at least just focus our efforts on the for-profit, even if we don't legally retire the nonprofit, just perhaps having it on freeze for the time being until we can reintroduce these initiatives, perhaps through a foundation at some point down the line, once the for-profit is revenue-generating and off the ground. Andi Simon: This is very important to hear, because your business challenge isn't like other business challenges. The not-for-profit side needs funding through different sources than a for-profit side does. Right. And the application is now up and ready to go. And in schools themselves, if I remember you were telling me, not yet. Bri Franklin: The FinTech app, we are in the very early stages, looking to raise pre-seed funding and just building out our initial team. And we do have a target go to market by next January when we would be ready to roll it out, ideally as a first version into schools. But, we definitely got our work cut out for us before then. Andi Simon: I think you've opened up a very different opportunity where individuals, schools, training centers…my head's already thinking about folks who I need to introduce you to, who you get into the high school training milieu and are really concerned about developing those young folks with the right skills and tools to do it. It's very interesting and just curious, strategically, are you thinking of this being something bought by schools or by individuals or by parents? I mean, who's the market? Bri Franklin: So my co-founder and I, we just ironed this out over the last 48 hours. So we're looking at B2B to see, the sell would potentially be to perhaps like a large banking institution, perhaps a tech developer itself like Apple and have it pre-installed on devices that are going to schools from the distribution standpoint and honoring the fact that a lot of school budgets tend to be very shoestring and don't have a ton of money set aside for major app rollouts. It's subsidized largely from school partnerships. We're thinking that it would be one of those two routes as we see it right now. Andi Simon: That's exciting, because if you get the endorsement of a distribution channel like an Apple or something, or even the banks who could really see this as part of their community development initiatives, you get legitimacy and co-branding on it. And that takes it from a startup to something that could have great legs and go further. When you have tested it, have you tested it? I mean, I'm sort of trying to remember what we talked about, but have you tested it among youngsters and do they find it a wonderful game? Bri Franklin: So the game itself is still being developed behind the scenes. However, we have been in touch with their would-be gamers' parents, so we do have some focus groups that we've built out with mothers, fathers, of middle and high schoolers. And again, going back to drawing from my own experience, that know it all factor, we're trying to get the best of both worlds, where we are that conduit for mom and dad, because we realize that a lot of this information is as simple as table talk, dinner table conversation. But there's the lalala, I can't hear you because you raised me sort of thing going on. And so we're trying to solve for that, but also not have it backfire to where it interferes with screentime parameters and household rules, parents keeping kids off of devices past certain hours or things like that. Certainly not letting it slide into an addictive user experience or anything. So we are trying to have those conversations now. So that informs the build out and saves us having to go back and rewrite or take out things once we've already done the heavy lifting. Andi Simon: It's so interesting because everything has its challenges. We have a society where the youngsters are quite not savvy on how to use applications like these. Can we use them to really educate them so that they can be wiser and make better decisions as they're approaching their adulthood? At the same time, that it could interfere with their focus on other studies and other pieces. Bri, this is so profound because the problem isn't a little one. It's a big one. I'm glad you're sharing it with us because I'm not sure how I would learn more about it. It's sort of like, where does this fit into the whole context of what's going on out there? You can hear about, a president wanting to eliminate student debt and then people objecting to it, and it just breaks your heart. To some degree, it is a reflection of our society. Bri Franklin: It is. And that's where we also see the opportunities because it's a knowledge gap on so many levels. And I've done personal crusading, you know, through going in and speaking to companies and trying to build the empathy because so many people put blinders on because they remember how it used to function when they were in college, which is how it was supposed to work. Higher education used to be a gap-closing convention. That was how people were achieving upward mobility in the 40s when the GI Bill was first introduced, that paved the way for the current student debt crisis. It looked nothing like it does now. Student loans were capped at 1,000 USD per year, and it was directly tied to a boost and a measurable advantage in the job market post-graduation that you then use to repay the loans in full, get your mortgage, marry, start a family, and live your most prosperous life. And then, around in the 70s, people started to catch on just how lucrative it really was and how much demand there was. That's when it privatized and opened the floodgates for the hell that we know today. And, you know, the Student Loan Marketing Association became what we know as Sallie Mae. And then there was the lobbying in 2004 that prevented people from being able to discharge their loans through bankruptcy. So there's just been so many factors that are greed and profit driven, as opposed to opportunity and people driven. And so that's where we're coming in to reset the clock and the board and just say, time out, things like this cannot go on. My motto was that every bubble bursts, just like the housing bubble burst. And so many others. We've seen an economic collapse before. I don't think this will be any different. And so that's why we are positioning this as something that is not only innovative, but critically necessary. I've gone so far as to compare it to a vaccine against the virus of predatory lending, or the equivalent of equipping teenagers with a driver's license so that they can legally operate a car. We're saying debt doesn't have to be the enemy. It's the ignorance that creates the problem and has potential to turn it from a tool to a trap. So we're solving for a lot, and it's educational at every turn, which is why we want parents to be on board with us and to not look at this as a tool to create controversy or to challenge their beliefs in a way that undermines their parenting, but rather to bring them up to speed and help them understand what's at stake for their child. Andi Simon: You are a very articulate young woman. Thank you. I loved listening to what you just said because you really understand the complexity of this. There's no simple answer. And you have a passion and a purpose. You understand it and you want to stop it. And I am just honored that you are on our podcast today to share it. Thank you for joining us. It's just so much fun. I think we're about ready to wrap up. A couple of things you want our listeners to remember or our viewers to hear you say: one, two or three things that are really important for youngsters to know and parents to be aware of, and the universities that won't pay attention to right now. Bri Franklin: Yes, because I do have advice for all three groups, but I'll stick to those first two. So for young people, if you're listening, if you hear this in Mom and Dad's car ride or come into it on your own, I would say think so carefully about who you want your future self to be, and you want to make sure that the you of 10 or 20 years from now thanks you and is appreciative for the actions that you take today. Because things as serious as taking out loans have potential to really either upgrade your life or set you far behind the eight ball, and take it from someone who has spent all of her 20s trying to catch up and get back on track to achieve the things that used to be so typical for my age group. If I could do it all over again, I absolutely would have heeded the advice of being very careful before just blindly signing any paperwork. For parents on the other side of that coin, I know that there's a tendency to just say college or bust and to insist that our children, our nieces, our nephews are keeping the family legacy alive by going to our alma maters or just going to college. It's become more of a tradition. But we've got to remember the why again. College used to be unanimously gap closing, and now, unfortunately, because of some bad acting, it's become the opposite and is growing the wealth gap between socioeconomic classes and race communities and everything. And so we want to just make sure we're setting our kids up for success no matter what that educational means looks like. Andi Simon: All right, now I'll let you talk to those colleges. So the warning for them is…? Bri Franklin: Do better. I think that there certainly is a place for academia, and I have great respect for what's come out of colleges: vaccines, academic research, forward-thinking initiatives. And I remember the upsides of my own college experience, but it's just unacceptable to keep driving tuition rates up with no correlation to how that's going to better the student's job experience post-graduation. So I would say that the short of it is that we have to remember that it's about serving people and not gaining profit. Andi Simon: Yes, I agree. What a wonderful podcast to share with our audiences today. I can't tell you how much I've enjoyed meeting Bri Franklin, and I think you should take a look at the Prosp(a)rity Project and see how you, too, can be of help to her and to those who are trying. Now, they're just the two of you, or is it a bigger organization than that? Bri Franklin: So on the 24/7 main buildout it is myself and my co-founder, but we are basically migrating our existing task force from Prosperity Project over to Cadet Prosperity. We've begun to start getting feelers out there for advisors and potential board members. So we're growing quickly. But in terms of the day to day diligence, it is myself and Kaylee for right now. Andi Simon: You're great. Great. Well, I'm honored to have you here today. It's been a pleasure. Let me say goodbye to our audience. Thank you for coming. Remember our newest book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success has just become a really cool book. And I can only tell you that I've written three but this one touches my heart because as I open it, people in the audience say, ah. I actually had a client who yellow marked it all and when I met with her, she went, oh, you've changed my life. It's available on Amazon, Barnes and Noble in your local booksellers. I can only tell you that I met Bri through a book tour event at Eileen Rosenthal's in Washington, DC, and every time I do one, I meet some others who say, oh, this is a great book. It's the wisdom of 102 women, and they can't wait to share with you what they've learned and how you can succeed as well. Thanks for joining me today. Bri Franklin: Thank you again for having me. The conversation just went by in a flash, and I look forward to this being the first of many dialogues that we have. Andi Simon: I'm looking forward to it as well. I'm going to stop and say goodbye to all of you who come. You remember you've taken us to the top 5% of global podcasts. I'm honored. Thank you so much. Keep sharing and sharing Bri's so that her message can get out there to parents, kids and everyone else. Bye bye now.     WOMEN MEAN BUSINESS® is a registered trademark of the National Association of Women Business Owners® (NAWBO)

CEO Shares the Universal Leadership Principle.Jim Eickhoff is President and CEO Creative Dining Services, one of the top-ranked food service providers in the US. He's also led executive teams and transformations across several industries and companies including Sallie Mae, Apollo Education Group, and Upromise.We dive deep into the one leadership principle at the heart of all.True leadership principles are timeless and transcend, and Jim's leadership journey is a testament to that reality.LinkedIn Profile https://www.linkedin.com/in/jim-eickhoff-42abba2Company Link: https://creativedining.com/What You'll Discover in this Episode:His Strategy to Motivate 2,000 Employees Across 16 StatesA Step You Can Take When a Leader Refuses to AdaptA Colorful Story of When Someone was FiredHow an Employee can Effectively Communicate a Big Idea to the CEOHow to “Fail Forward” after MistakeWhat He Did to Achieve his Fitness Goals for 110 Consecutive Weeks-----Connect with the Host, #1 bestselling author Ben FanningSpeaking and Training inquiresSubscribe to my Youtube channelLinkedInInstagramTwitter

The most massive revision ever to the Free Application for Federal Student Aid burst into the new year like a brick through a window–everyone is talking about it, but nobody is happy. Amy and Mike invited financial aid advisor Ed Recker to review the latest news and timelines to date along with our first impressions of the better FAFSA. What are five things you will learn in this episode? How has the “soft launch” of the Better FAFSA® gone? What has been the feedback about the user experience on the FAFSA®? How have college professionals reacted to the FAFSA rollout? Will the FAFSA delays impact the traditional May 1st admission decision deadline? What recommended action steps and advice should those involved in the financial aid process take to heart? MEET OUR GUEST Ed Recker is a Director of High School Relationship Management with Sallie Mae, serving high schools, states, and professional organizations throughout the U.S. He joined Sallie Mae in 2019, and has over 20 years' experience in the financial aid and enrollment industry.  Prior to joining Sallie Mae, Ed was a Senior Consultant within the Enrollment Division of Ruffalo Noel Levitz, held the position of Vice President for Enrollment Management at the University of Findlay, and held various financial aid positions at the University of Findlay, Terra State Community College, and Bowling Green State University. Ed holds a M.Ed. in Higher Education from the University of Toledo, and resides in Ottawa, OH with his wife Kate and daughter Evelyn. Ed appeared on the podcast in episode #492 to discuss The Better FAFSA For New And Previous Filers, which provides essential background information for this episode. Find Ed at Edward.Recker@salliemae.com. LINKS FAFSA® 2023: How to Apply for Financial Aid | Sallie Mae FAFSA Simplification: A Better FAFSA Process Means a Better Future for Borrowers | Federal Student Aid - Financial Aid Toolkit 2024-25 FAFSA Student Aid Index Update and Timeline RELATED EPISODES The Better FAFSA For New And Previous Filers UNDERSTANDING YOUR COLLEGE TUITION BILL WHAT IS A NET PRICE CALCULATOR? THE PRICE YOU REALLY PAY FOR COLLEGE ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright. Amy Seeley is the president of Seeley Test Pros. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, feel free to get in touch through our contact page.  

FAFSA is undergoing a 'once in a generation' change with the FAFSA Simplification Act. What do these changes mean? When will the FAFSA be ready? Join Chris and Joel, along with Sallie Mae's Ed Recker, as they answer what they can. If anyone can make financial aid fun, it's these guys, right? Music on this episode comes from Normcore always (https://freemusicarchive.org/music/Normcore/Neighbors/Heartless_Man).

Holiday Finances. Start Here.Start with the end in mind (holiday finances edition)Get Creative with your holiday spendingA better way to $pend the holidaysThe holidays are upon us and they are filled with good and right celebration! But it can be really difficult to honor our finances during a time of so much GOOD or if we are honoring our finances...not to do so without creating a scarcity mindset. To set us on the right path is Amanda Texiera! She is the co-founder and co-owner of Wallet Win with her husband. Their mission is to help Catholics find financial freedom by eliminating debt, building savings, and changing the world through generosity. They are also the creators and hosts of their very own Podcast, the Catholic Money Show!The Texiera Story (01:10)A Call Within A Call (05:10)Avoiding the Holiday Hangover (06:46)Inviting Children into the Holiday Budget (16:45)Adulting During the Holidays (19:22)Practical Ideas for Doing MORE with Less (26:20)The Catholic Money Approach (39:00)Rapid Fire Questions (42:35)More About Amanda (49:50)More about Amanda (49:50)In January 2012, FOCUS missionary Amanda Teixeira, and her husband, Jonathan, had $25,000 in debt and a deep desire to break free. A short — and zealous — seven and half months later they wrote their last check to Sallie Mae and closed the doors on debt forever. Since kicking debt to the curb, they've focused on saving, investing and giving in a way that set them up for total financial peace for a lifetime.Upon hearing their story, a few people asked them money questions — and they answered. That snowballed into hundreds of answers, speaking at events, providing financial coaching and founding WalletWin.Jonathan and Amanda live in Omaha, Nebraska with their three daughters, and they're in the process of adopting baby number four. Please check out their website WalletWin.comTheir Podcast is The Catholic Money ShowLearn more about their Adult Personal Finance Membership the Catholic Money Academy Wallet Win Kids is available for High School, Middle School, and Elementry aged children.They have a book!  How to Attack Debt, Build Savings, and Change the World Through Generosity: A Catholic Guide to Managing MoneyGet your free Catholic Budget GuideFor the 12 Week Planner, click here!To find The Deliberate Day on Instagram, click here.Find the complete podcast notes on our website.Get your FREE Meal Planning Kit here.For the Favorites List, go here.If you're planning an adventure, you'll find the Ultimate Family Road Trip Guide here.

Our guest today is Amy Yeung, VP and Deputy General Counsel at Sallie Mae, and a well-known legal tech thought leader. As a paralegal at Williams & Connolly LLP, Amy learned the ins and outs of the profession and found inspiration in the lawyers she assisted. After working in the securities group at WilmerHale, she changed course and joined the gaming company ZeniMax Media as assistant general counsel. Amy would continue to serve various legal tech functions for the next several years before joining the financial services company Sallie Mae. Additionally, Amy is chair of the Law Department Management Network, the largest Network of the Association of Corporate Counsel, and she is a public speaker on topics such as data privacy, cultural change, and leadership. She has also been a mentor to many in the legal industry, and has received numerous accolades and honors, having recently been included in Corporate Counsel Business Journal's inaugural “50 Women to Watch.” Today, Amy discusses her decision to take an in-house role at a gaming company, the considerations that have guided her throughout her career, and the need for informed dialogue as technology continues to advance.

Afraid of making big career changes? Our guest Jodi Constantino, Risk Management Governance and Business Controls Officer at Sallie Mae, shares how she navigates the twists and turns of her diverse career path decisions. She's pivoted between molecular biology, the FBI, management consulting, and risk management in both Government contracting and the banking sector. Tune in to this episode to discover: ✔️Where to find your motivation and reasons for bold career transitions. ✔️The role of motherhood in career decisions. ✔️How to deal with career decisions that go against family expectations. ✔️How to leverage your personal values to support career decisions. ✔️Strategies for thriving in male-dominated environments. ✔️The importance of emotional well-being at work.   ✅ Request A Customized Workshop For Your Team And Company:  http://assertiveway.com/workshops   ✅Follow Jodi Constantino: https://www.linkedin.com/in/jodiconstantino/ ✅ The American Foundation for Suicide Prevention: afsp.org ✅ Follow Ivna Curi on LinkedIn: https://www.linkedin.com/in/ivna-curi-mba-67083b2/     ✅ Other Episodes You'll Like: Is It Good To Take Career Risks? (With Preeti Karnik) How To Navigate Change with Confidence: From Anxiety to Personal Success How To Get Promoted At Work Quicky In 5 Steps 4 Examples On How To Get The Promotion You Want 4 Things You Can Ask For To Fast-Track Your Career 15 Ways To Groom Yourself For A Promotion When Nobody Else Does 7 Tips To Apply For A Job When You Don't Meet The Requirements How To Get The Job When You Don't Meet The Requirements (With Director Jess Sahagian) Who Is Grooming You For A Promotion? (With Gina Hope) How To Get Noticed At Work If You Are A Minority, Underrepresented, or Underprivileged 32 Ways To Take Up More Space And Get Noticed At Work Don't Leave It to Luck: How to Steer Your Career Path (with Geetanjali Tandon)   ✅ Free Resources Podcast episode lists by theme: https://assertiveway.aweb.page/speakyourmindunapologeticallytopics Women in Tech Leaders Podcast Interviews: https://assertiveway.com/womenintechpodcastguests/ Podcast Summaries & More Email Newsletter: https://assertiveway.com/newsletter Our Linkedin Blog Articles:  https://www.linkedin.com/newsletters/6863880009879306240/   TEDx Talk How To Speak Up Safely When It's Psychologically Unsafe: https://assertiveway.aweb.page/safespeak 10 Day free Assertive And Liked Challenge: https://assertiveway.aweb.page/beassertiveandliked Assertiveness free training: https://assertiveway.aweb.page/getahead Other Free resources: https://assertiveway.com/free/ Podcast page: https://assertiveway.com/podcast-speak-your-mind-unapologetically/   ✅ Work With Us Workshops: http://assertiveway.com/workshops   Services: https://assertiveway.com/offerings Contact me: info@assertiveway.com or ivnacuri@assertiveway.com Contact me on Linkedin: https://www.linkedin.com/in/ivna-curi-mba-67083b2 Website: https://assertiveway.com   ✅ Support The Podcast Rate the podcast on apple: https://podcasts.apple.com/us/podcast/speak-your-mind-unapologetically-podcast/id1623647915 Ask me your question for the next episode: https://www.speakpipe.com/speakyourmindquestion   ✅ Podcast Topic Compilations 8 Real Life Examples On How To Deal With Difficult Coworkers (Compilation): https://speakyourmindnow.libsyn.com/8-examples-on-how-to-deal-with-difficult-coworkers Mastering Mentor & Sponsor Connections: Insider Advice from 5 Trailblazing Professionals (Compilation): https://speakyourmindnow.libsyn.com/mastering-mentor-sponsor-connections-insider-advice-from-5-trailblazing-professionals How To Find Courage To Speak Up (Compilation): https://speakyourmindnow.libsyn.com/how-to-find-courage-to-speak-up-4-examples 4 Examples On How To Get The Promotion You Want (Compilation): https://speakyourmindnow.libsyn.com/4-examples-on-how-to-get-the-promotion-you-want 4 Tips On How To Successfully Share Your Ideas At Work (Compilation): https://speakyourmindnow.libsyn.com/4-tips-on-how-to-successfully-share-your-ideas-at-work-compilation How To Cope With Stress At Work (Compilation): https://speakyourmindnow.libsyn.com/how-to-cope-with-stress-at-work-compilation   #CareerPivots #UnconventionalMoves #SpeakYourMind #JodiConstantino #RiskManagement #SallieMae

Is it really possible to be WEALTHY, without losing your SOUL?In this episode, we had a joy-filled conversation with one of the hosts of The Catholic Money Show and co-founder of WalletWin, a financial startup that helps everyday Catholics get intentional with Money, to tackle some MONEY matters and how we can approach it especially as a Catholic.Jonathan together with his wife Amanda, have helped Catholics eliminate debt, build savings, and change the world through generosity. They founded WalletWin from years of personal experience both living it out and helping others do the same. In January 2012 they had $24,500 in debt and a deep desire to break free. A short—and zealous—7.5 months later they wrote their last check to Sallie Mae and closed the doors on debt forever.————————————————————————❤️  Support Our Mission by simply sending us virtual coffees at☕  https://www.buymeacoffee.com/langga

Why is the geopolitical landscape critical to cybersecurity strategy? CISO Mark Houpt breaks it down in this episode. Mark also shares his advice to the college and high school students he mentors, how to approach the ever-changing nature of cybersecurity, and how to think about a college education.Mark Houpt is the CISO at DataBank. Previously he held senior security roles at organizations including State Farm, Lincoln Christian University, and Sallie Mae. Mark served in the US Navy from 1991 to 1999. Mark Houpt on LinkedIn: https://www.linkedin.com/in/mark-houpt/ Mark's recommended list of classes:-        Microsoft CISO Workshop: https://learn.microsoft.com/en-us/security/ciso-workshop/ciso-workshop -        Ascend Education: https://ascendeducation.com/monthly-subscription/ -        Amazon Cybersecurity Awareness Training: https://learnsecurity.amazon.com/en/index.html -        Center for Development of Security Excellence: https://www.cdse.edu -        ISC2 -Certified in Cybersecurity: https://www.isc2.org/1mcc -        Cisco Networking Academy: https://skillsforall.com/course/introduction-to-cybersecurity -        Cyberbit Remote Training: https://go.cyberbit.com/100k-worth-of-free-remote-cyber-range-training/?utm_source=nist_website&utm_medium=list&utm_campaign=free-remote-soc-team-training-nam -        StationX - 12 Month Trial: https://www.cybersecurityjobs.com/csj-training-fund/ -        Cyber Training 365: https://www.cybertraining365.com/cybertraining/FreeClasses -        Cyber Skyline Professional: https://cyberskyline.com/professional/purchase -        Cybrary: https://www.cybrary.it -        EC.Council: https://www.eccouncil.org/cybersecurity-exchange/free-cybersecurity-resources-2022/ -        Elastic: https://www.elastic.co/training/free -        Evolve Academy: https://www.academy.evolvesecurity.com/cybersecurity-fundamentals -        Federal Virtual Training: https://fedvte.usalearning.gov 

Join Aaron and Cody for this week's episode of Simply Solving Cyber, where they sit down with the VP of Cybersecurity Operations at Sallie Mae, Steve Lodin, to discuss his experience helping cyber start-ups, his fascination with black holes and space, being a murder-mystery book character, and his extreme passion for all things cybersecurity.

The Free Application for Federal Student Aid has always been a crucial but complicated and challenging step in receiving financial aid for college or graduate school. What improvements does the future hold? Amy and Mike invited financial aid advisor Ed Recker to explain the impact of the Better FAFSA for both new and previous filers. What are five things you will learn in this episode? What are the major differences in the current FAFSA and Better FAFSA? How do these changes impact calculation of the Expected Family Contribution (EFC)? Does this new FAFSA impact a college or university's Net Price Calculator? What changes should families with multiple students in college be aware of? Will the Better FAFSA timeline have implications for Early Action/Early Decision applications or CSS profiles? MEET OUR GUEST Ed Recker is a Director of High School Relationship Management with Sallie Mae, serving high schools, states, and professional organizations throughout the U.S. He joined Sallie Mae in 2019, and has over 20 years' experience in the financial aid and enrollment industry.  Prior to joining Sallie Mae, Ed was a Senior Consultant within the Enrollment Division of Ruffalo Noel Levitz, held the position of Vice President for Enrollment Management at the University of Findlay, and held various financial aid positions at the University of Findlay, Terra State Community College, and Bowling Green State University. Ed holds a M.Ed. in Higher Education from the University of Toledo, and resides in Ottawa, OH with his wife Kate and daughter Evelyn. Find Ed at Edward.Recker@salliemae.com. LINKS FAFSA® 2023: How to Apply for Financial Aid | Sallie Mae View your financial aid, savings, scholarships, and loans all in one place and build your bridge to college with Nitro Next. Sallie Mae - YouTube FAFSA Simplification: A Better FAFSA Process Means a Better Future for Borrowers | Federal Student Aid - Financial Aid Toolkit https://salliemae.com/fafsa https://nitrocollege.com/next https://www.youtube.com/@salliemae RELATED EPISODES UNDERSTANDING YOUR COLLEGE TUITION BILL WHAT IS A NET PRICE CALCULATOR? THE PRICE YOU REALLY PAY FOR COLLEGE ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright. Amy Seeley is the president of Seeley Test Pros. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, feel free to get in touch through our contact page.

Happened In the 90's hosted by Steve and Matt picks a day, any day, and then goes back in time to that magical decade we all know and love the 90's, to revisit episodes of tv, movies that premiered, or cultural events that occurred on that day in the 90's. This week Steve and Matt celebrate all the graduates and lament their college educations. After that it's time to hang the phone up on Sallie Mae and hit stop on that Faces of Death tape because we're talking all things May 25th in the 90s. SEGMENT 1 Show: 3rd Rock From The Sun Episode: Dick's Big Giant Headache Pt.1 and 2 (Season 4 | Episode 23 and 24) Premiere Date: 05/25/1996 Story: Because he feels the Solomons haven't done well on their mission, the Big Giant Head comes to Earth to personally chastise them. Thinking they might have become too human, Dick orders Sally to move back in and he tells Harry not to have a baby with Vicki. He also tries to prepare Mary for the visit of his old "college friend" because he's worried the Big Giant Head might think Dick has wasted his time with Mary. Meanwhile, Tommy and Alissa are starting preparations for their junior prom. SEGMENT 2 Show: Home Improvement Episode: The Long and Winding Road: Part 3 (Season 8 | Episode 27) Premiere Date: 05/25/1999 Story: Tim and Al do their final Tool Time show. Many of the past Tool Time guests appear. For closures: Heidi is pregnant; Wilson's fence comes down; Al and Trudy get married in Tim & Jill's backyard; Tim and Jill have second thoughts about moving. Thanks for listening! Watch all new episode every Thursday here on Youtube: https://www.youtube.com/channel/UCk5uXQXE9WGIWcpSkNkXaOg Audio available on all major platforms. Email Us At: hitnineties@gmail.com Instagram: HappenedInThe90s Twitter: HIThe90s Facebook: @HappenedInThe90s Website: https://happenedinthe90s.com MERCH LINK: https://www.redbubble.com/people/HIT90s/shop?asc=u&ref=account-nav-dropdown

Increasingly, borrowers are struggling under the weight of a growing tab. As of the latest tally, borrowers owe a combined $1.7 trillion. For those who start college but never finish, managing such a hefty amount of debt is especially difficult. The White House has insisted that it's acting within the law, noting that the Heroes Act of 2003 grants the U.S. education secretary the authority to make changes to the federal student loan system during national emergencies. The nation has been operating under an emergency declaration since March 2020 because of the Covid pandemic. Although college enrollment declines have leveled off overall, the number of students who started college but then withdrew rose 3.6% in the 2020-21 academic year, according to the National Center for Education Statistics. There are now more than 40 million students who are currently unenrolled.Among students who put their education on hold, most said it was due to a loss of motivation or a life change, according to a report by education lender Sallie Mae. Others cite financial concerns, followed by mental health challenges. ☕Get your coffee today at www.duckrivercoffee.com ⌚Get your watch today at https://royalsportbrand.net/

With total cost of attendance edging towards $90,000 a year for private universities, Mark and Anna are excited to have financial aid expert and independent educational consultant, Claire Law from Educational Avenues talk about how families can prepare for the financial aid process. From discussing 529s to the difference in financial aid applications, learn how you can have the right conversations with your family around affording college. Claire Law is an independent educational consultant, professional member of IECA, Certified Educational Planner. She helps parents figure out the best educational avenues for their teen children. Claire Law worked in college admissions for ten years and for a SallieMae lender for a short while.

On this episode of the Perfect Cents Podcast, co-hosts Alex & Brit chat with special guest Jeff Lackey from Sallie Mae to discuss all things related to paying for college! Tune in as they covers topics such as scholarships, grants, student loans, FAFSA, financial aid packages and more! Not applying for college or financial aid anytime soon, but know someone who is? Hit that share button and send this episode to a loved one... because planning ahead for your future educational goals just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below: SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.  Student Loan Information on SAFE Credit Union's website (Sallie Mae Scholarship Search is on this page!): https://www.safecu.org/personal/borrow-money/student-loans FAFSA application: https://studentaid.gov/ Questions? Comments? Want to share something with the hosts? Email us at Podcast@safecu.org  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

Today's episode takes a break from our usual format. Last week, Steve Poor participated in a webinar hosted by the Association of Corporate Counsel (ACC) Law Department Management Network (LDMN) about the implications of ChatGPT with Khurram Gore of Verizon, and Amy Yeung of Sallie Mae. Khurram has a deep background in technology and innovation, focusing on the intersection of law, technology, and business. At Verizon, he leads legal for their chief product development officer and the technology development organization, including Verizon's 5G Labs, innovation partnerships, augmented reality and virtual reality business, and emerging tech groups. In addition to other outside activities, Khurram is also the entrepreneur in residence at the Stevens Venture Center for the Stevens Institute of Technology. Amy, who moderated the conversation, is a technology executive and thought leader with extensive experience in disruptive technology, digital innovation, and other strategic initiatives across all company life cycles. She has a track record of success in transformation, technology products counseling and B2B and B2C settings, leading significant operational initiatives strategy, data governance, and data architecture, among other things. In this conversation, we focus on the basics of ChatGPT and its potential impact on the legal industry, as well as the shortcomings of the program. The speakers' insights give a valuable perspective on the implications of generative AI broadly, as well as ChatGPT in particular. We have edited the conversation for clarity.

Steve Lodin, a veteran of the cybersecurity industry, embarks on an ambitious mission to protect millions of identities from hackers while his team strives to maintain high-security standards and compliance with regulators."The more that we can identify, document, and share, the less attacks that are hitting our colleagues and our peers in the industry." - Steve LodinLodin's experience comes with a background in software engineering, system administration, and global IT security. He has worked with General Motors, Ernst and Young, Roche Diagnostics, and Sallie Mae, and has a Master's degree in Computer Science from Purdue University.Steve Lodin had been working with electronics engineering and software engineering since he got his engineering degree. He had a passion for computers and decided to focus on security. He went back to school for a Master's in Computer Science and went on to work at Ernst and Young, Roche Diagnostics, and the world of startups. For the past 10 years, he has been working at Sallie Mae protecting millions of IDs from hackers. With the shift to the cloud, Steve has been advocating for the removal of legacy security debt and providing security opportunities to improve the environment. He is a prominent contributor to the industry, helping to identify and document attacks to protect against them.In this episode, you will learn the following:1. What challenges arise when attempting to secure xIoT devices?2. How can organizations prevent external and internal attack surfaces?3. How can organizations use the cloud to reduce their legacy security debt? Let's get into Things on the IoT Security Podcast!Follow Brian Contos on LinkedIn at https://www.linkedin.com/in/briancontosAnd you can follow John Vecchi at https://www.linkedin.com/in/johnvecchiThe IoT Security Podcast is powered by Phosphorus Cybersecurity. Join the conversation for the IoT Security Podcast — where xIoT meets Security. Learn more at https://phosphorus.io/podcast

Welcome to another episode of School PR Drive Time, a podcast produced by NCSPRA. Today's episode is all about the power of relationship capital. Joining us for the conversation is Stephanie McFarland of McFarland PR. Stephanie is a senior issues-management consultant and president of McFarland PR & Public Affairs, Inc., with nearly 30 years of deep public-relations expertise honed in pressure-intense private and public organizations. Stephanie has served in public-relations capacities and leadership roles with Indianapolis Power & Light Co., Eli Lilly, Sallie Mae, the Indiana Department of Revenue, and various state government agencies. Additionally, she recently launched her own podcast, It's a PR Thing. . . . This episode is brought to you by Classtag, the all-in-one community engagement platform. Music: "Hip Jazz," www.bensound.com, all other content © 2022, NCSPRA

Stephan Abel is the the President and CEO of Ferry Cove Shellfish, an oyster hatchery located along the shores of the Chesapeake Bay in Maryland. Starting off his career, Stephan didn't even consider going into natural sciences or natural resources at all. In fact, he was military. In today's episode, Stephan shares his story, transitioning from flying helicopters for the US Navy to working for big name start ups like Sallie-Mae and Career Builder before taking the leap into the world of natural resource management. Stephan has some key insights into what it takes to change industries, and he shares them here today.Show Notes: marinebio.life/91Support the showClick here for your copy of the "Scuba for Beginners" ebookGet your copy of my FREE guide "Be a Marine Biologist WITHOUT the degree"Join my email newsletterCheck out the @marinebio.life Instagram

In this episode of the Wealthy Woman Lawyer® podcast, I chat with Christie Arkovich, a Florida licensed attorney for more than 30 years, and a frequent presenter for continuing legal education seminars hosted by the American Bankruptcy Institute (“ABI”), the National Association of Consumer Advocates (“NACA”) and the Tampa Bay Bankruptcy Bar Association (the “TBBBA”). Christie also writes a quarterly column for the TBBBA, Student Loan Sidebar, and maintains a Youtube Channel for the Student Loan Sidebar at www.youtube.com/c/arkovichlaw about recent student loan related laws, regulations, and developments nationwide.Prior to starting her own law firm in 1995, Christie worked as trial counsel for Sallie Mae, ECMC and other student loan servicers or guarantors. She recently served on the Student Loan Committee for the new Student Loan Management Program in the Bankruptcy Court for the Middle District of Florida and was Chair of the Consumer CLE for the Tampa Bay Bankruptcy Bar Association for 2019-2022.“Most of our clients nowadays, you know, they want to repay what they borrow, they understand they signed a contract (and) they're good with that. What they can't pay is the excessiveness…because with the cost of interest with a default, which basically adds 25%collection costs on a federal loan, you end up with just something that's unpayable. We getrid of that excessiveness, and then we try to do it in a way that's tax free, or at least with anunderstanding of what that potential tax issue could be..” – Christie ArkovichListen in as Christi and I discuss… Why people were able to pay their student loans in the 80s and 90s (even with higher interest rates) and what's changed since (no, it's not your imagination) How to explain to your grandma why you are struggling to pay your student loan debt. How Arkovich Law helped a 70-year-old neurosurgeon get out from under $1.1M in debt so he could finally retire. The many ways high student loan debt can affect your ability to lead a rich life. Why forbearance is never the best solution (even though the lenders so kindly offer it—don't be fooled!) How the three-pronged Bruner test keeps you from discharging student loans in bankruptcy (A clear example of “good cases make bad law”). How to refresh your memory about what kind of loan you have so you can assess what type of relief may be available to you. One trick that will help you tell whether your student loan servicer is lying to you about what type of loan you have and the relief you may be entitled to Critical deadlines you need to know! (Write these down.) (Important update: Since we recorded this podcast episode on September 27th, the law has changed around consolidating FFEL loans—government-backed loans held by private lenders—in that effective September 29th, you can no longer consolidate these types of loans to Direct Loans and quality for the one-time $10,000 relief grant). And much, much more!The Wealthy Woman Lawyer® Podcast is sponsored by Wealthy Woman Lawyer.®  We help women law firm owners scale their law firm businesses to and thru $1M in gross annual revenue with total ease so they can fully fund—and still have time to enjoy—the lifestyle of their dreams! If you want to know more, visit our website at www.wealthywomanlawyer.comor follow us on Instagram @wealthywomanlawyer.  Also, you are invited to join our free Facebook group, Wealthy Woman Lawyer. See you on the inside!Warmly,DavinaMentioned in this episode: Visit Christie's website Connect with her on LinkedIn Listen to Christie's YouTube Channel If you are Tampa and need a meeting space check out: South Tampa Work Spaces Get more info on your loans and relief policies: www.studentaid.gov

With all this talk of Student Loan Forgiveness we sit down with our friend Ryan Brown to discuss. In a new class action lawsuit against Le Cordon Bleu University it was revealed that they utilized high-pressure sales tactics, false job placement data, and inflated graduation rates to lure students into taking out loans from Sallie Mae that were designed to fail. What a Scam! This loan forgiveness couldn't come at a better time. Give Ryan a follow! http://www.ryanbrowncomedy.com/welcome https://www.instagram.com/ryanbrowncomedy/ Check us out at the Mind Under Matter Camp Out festival 9-11th! https://mindunderpod.com/pages/campout Become a patron! https://www.patreon.com/conspiracybeerme Give us a follow at @conspiracybeerme on Instagram and Facebook! Review us on iTunes! Merch! Website www.conspiracybeerme.com Make Conspiracies fun again! Intro music by Bonfiire --- Support this podcast: https://anchor.fm/conspiracybeerme/support

Sallie Mae 2.20% No-Penalty CD: https://www.allcards.com/best-savings...Personal Capital Tesla Promotion: https://robberger.com/go/personal-cap...Today we have the pleasure of speaking with Harold Evensky, the father of the Bucket Strategy.Here are some resources from the show:--Mr. Evensky's newsletter: https://evensky.com/resources/--His most recent newsletter: https://files.myprimitive.cloud/uploa...--His book (free on Kindle): https://www.amazon.com/Hello-Harold-V...And some of his published papers:--Modern Fool's Gold: Alpha in Recessions: http://www.empirical.net/wp-content/u...--The Efficacy of Publicly Available Retirement Planning Tools: https://papers.ssrn.com/sol3/papers.c...--The Benefits of a Cash Reserve Strategy in Retirement Distribution Planning:

Various sources report that the Biden Administration is set to release its plan to deal with student indebtedness. Cancellation? Forgiveness? Refinance? Today's episode covers the spirited debate surrounding student loan forgiveness and the structural issues that plague the American system of higher education. We cover the history of student loans and how perverse incentives, corporate greed and colleges with endless appetites for growth created a juggernaut of debt and bureaucracy no amount of forgiveness can fix. And, we build a case for policy measures that can restore some balance in the system. Chapters Prologue: 00:01:25 Intro: 00:03:08 Chapter One: So…How bad is it? 00:04:07 Chapter Two: The Best of Intentions: 00:13:02 Chapter Three: Take it away, Sallie Mae: 00:20:36 Coffee Break: 00:29:49 Chapter Four: The Tuition Death Spiral: 00:30:31 Chapter Five: To forgive or not to forgive? 00:35:25 Post Show Musings: 00:47:05 Outro: 01:09:07 Resources The Atlantic: Who Really Benefits From Student-Loan Forgiveness? Education Data Initiative: Student Loan Debt by Race Sallie Mae: Annual Report Sallie Mae: Proxy Satement The New York Times: Student Debt Is Crushing. Canceling It for Everyone Is Still a Bad Idea. Brookings: Student loan forgiveness is regressive whether measured by income, education, or wealth Jacobin: On Student Debt Forgiveness, Joe Biden Is Pushing Stringent Means-Testing Yet Again Federal Student Aid: Public Service Loan Forgiveness (PSLF) Book Love Josh Mitchell: The Debt Trap: How Student Loans Became a National Catastrophe -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts: unftr.com/rate and follow us on Facebook, Twitter and Instagram at @UNFTRpod. Visit us online at unftr.com. Buy yourself some Unf*cking Coffee at shop.unftr.com. Subscribe to Unf*cking The Republic on Substack at unftr.substack.com to get the essays these episode are framed around sent to your inbox every week. Check out the UNFTR Pod Love playlist on Spotify: spoti.fi/3yzIlUP. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility. Unf*cking the Republic is produced by 99 and engineered by Manny Faces Media (mannyfacesmedia.com). Original music is by Tom McGovern (tommcgovern.com). The show is written and hosted by debt and distributed by BlackRock. Podcast art description: Image of the US Congress ripped in the middle revealing white text on a blue background that says, "Unf*cking the Republic." See omnystudio.com/listener for privacy information.