Podcasts about savings

with @MinarikLaw @EMinSF @rhhackettImagine waking up one day to find your bank account frozen. No warning. No explanation. No recourse.This is not a thought experiment. It's a real situation. And it's happened not just to crypto companies and their founders, but to ordinary people who are just trying to live their lives. That includes our guest today, who learned firsthand what it means to be “debanked.”In this episode, we talk about the unseen algorithms that monitor people's accounts, the ramifications of the Bank Secrecy Act, and how crypto and decentralized finance may offer a much-needed check — and safety net — against the opaque systems of traditional finance.Joining us are:Uniswap Labs's Chief Legal Officer Katherine Minarik, who shares her personal story of being debanked and what it taught her.a16z crypto Finance and Operations Partner Em Westerhold, who helps founders navigate these issues, and who has tracked dozens of instances of debanking across our own portfolio.A big thank you to Katherine for trusting us to share her story, which you can read a first-hand account of in an op-ed she contributed to a16zcrypto.com earlier this year. Find that and more below.Timestamps:(0:00) Introduction(2:03) The Problem of Debanking(5:58) Debanking: A Personal Story(7:33) Understanding the Bank Secrecy Act(11:53) The Information Vacuum(16:55) The Impact on Crypto Companies(20:07) Addressing Skeptics(22:07) Banks: Good vs. Bad(27:35) The Scariest Moment(36:17) "Operation Chokepoint 2.0"(38:08) History of the Bank Secrecy Act(44:04) Security Theater(45:31) What Would You Change?(48:45) The Impact of Financial Consolidation(49:30) Crypto as Banking Solution(53:02) Is Debanking Still Happening?(58:35) Unresolved Mysteries(1:01:47) One More Debanking Story(1:08:07) Conspiracy or Coincidence?(1:09:39) It Shouldn't Be This Hard(1:11:18) Out From Under the SEC's Cloud(1:14:23) The Urgent Need for Legislation(1:17:26) Possible Tech Futures(1:19:33) Advice for Founders(1:22:04) Final ThoughtsResources:Anyone can get debanked. DeFi is a critical safety net by Katherine Minarik (a16z crypto, February 2025)This op-ed is part of a bigger package of crypto policy views found here: “U.S. as the crypto capital: What it would take”Debanking: What you need to know (a16z crypto, December 2024)End the era of mass financial surveillance by Grant Rabenn (a16z crypto, February 2025)As a reminder, none of the content should be taken as investment, business, legal, or tax advice; please see a16z.com/disclosures for more important information, including a link to a list of our investments.

The Ringer's Bill Simmons, Amanda Dobbins, and Joanna Robinson hop on the Staten Island Ferry and pop on their tennis shoes to revisit Mike Nichols's 1988 classic, ‘Working Girl,' starring Melanie Griffith, Harrison Ford, and Sigourney Weaver. Podcast Manager: Craig Horlbeck Video Producers: Ronak Nair and Marcelino Ortiz Shopping. Streaming. Savings. It's on Prime Visit Amazon.com/prime to get more out of whatever you're into. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is it time to take your adult children off your payroll?Nearly HALF of parents with adult children are providing them with MEANINGFUL financial support.  But 40% plan to CUT OFF those funds in the next 2 years.If you or someone you know is struggling with this, you are NOT alone!In this 81st edition of the PFR podcast, we'll discuss Savings.com's recent survey about this, and ultimately how this could impact your retirement plans and how you are remembered.  Make sure to participate in the poll questions referenced in this episode!-KevinResources Mentioned:Savings.com StudyPsychologyToday Article⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

IHeart Top Podcasts! Follow / Subscribe Conway on Demand –Go to Iheart App to set us as your preset. AND maybe even subscribe to our YouTube channel @Conwayshow –Thank you! // Buy Now Pay Later...for groceries! Everyone is broke! Why is that? Getting ice cream delivered by DoorDash. ICE protests continue DTLA // Vegas tourism is down; rideshare drivers are feeling it. Tipping culture OUT of Control. // Dating Apps warnings U.S. citizens being kidnapped when using dating apps. Dodgers manager Dave Roberts gave Shohei Ohtani a toy car. 90's restaurant chains are BACK! Like Chilis & Rainforest  

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe economy is getting better and better under Trump. Biden put us on course for a recession, Trump is pulling us out of the recession. Jobs are being created. Trump is now shinning a light on the OBBB. People are thinking logically and asking questions about it. Trump has is trapping the Fed, in the end the Fed will show that it is a politically driven. The [DS] is eating up the Trump Elon chaos event. The fell for it hook, line and sinker. They are now demanding the Epstein files. Opitcs are very important. Trump can now see the board very clearly, who is on his side and who is not, this is important because we are heading to the midterms and the accountability phase. Scavino sends message that there is a level 4 travel warning to certain countries, is this the final level? Is there going to be a scare event?   Economy https://twitter.com/KobeissiLetter/status/1930965715630092558 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");     “It's $1.6 TRILLION DOLLARS in mandatory SAVINGS, & obviously we have a little bit of spending in there as well for BORDER & DEFENSE. That is the biggest MANDATORY SAVINGS package that we have seen since the 1997. It's very historic.” — @russvought You also have to factor-in that the current formula for calculating debt DESIGNATES ALL TAX CUTS AS ADDED DEBT. MEANING…. •no tax on tips •no tax on overtime •no tax on American car loan interest •extending Trump's 2016-17 tax cuts ARE ALL “TECHNICALLY” (& stupidly) CALCULATED INTO THE BILL AS “ADDED DEBT”. ELON knows this as well as anyone! He & President @realDonaldTrump are using #NarrativeWarfare to make Dems look like fools.  https://twitter.com/unseen1_unseen/status/1930960912438927766  7. Democrats power to Control spending once again. 8. $1.6 trillion more spending welfare on illegals. And people are ignorant enough to think that's somehow a good fiscal thing to do.  The "One Big Beautiful Bill Act" (OBBB), as a budget reconciliation bill, requires a simple majority of 51 votes to pass in the Senate, assuming all 100 senators vote. This is because reconciliation bills are not subject to the Senate's 60-vote filibuster threshold, allowing passage with a majority vote. With the current Senate composition (53 Republicans, 47 Democrats), Republicans can afford to lose up to two votes from their party if all Democrats vote against it, and Vice President JD Vance could cast a tie-breaking vote in a 50-50 scenario https://twitter.com/ScottAdamsSays/status/1930966257916145884 room and turn on the camera, please. We're all ears 2020–2021: Early Support and Ambivalence Musk's Position: Musk expressed mixed feelings. He acknowledged the credit's role in boosting EV adoption but suggested Tesla didn't rely on it. In 2021, he stated at the Wall Street Journal CEO Council Summit: “We don't need the $7,500 EV tax credit… I'm literally saying get rid of all subsidies, but also for oil and gas.” This reflected his belief that Tesla's manufacturing efficiency and market lead gave it an edge, even without subsidies. However, posts on X indicate Tesla lobbied for the credit's expansion during this period, suggesting some internal support for maintaining it to accelerate EV ...

This week on the Retirement Quick Tips Podcast, I'm talking about savings optimization. How should you prioritize your savings in 2025, saving the right accounts in the right order to get to better financial stability and long-term flexibility.  We've talked about having enough cash on hand, then 401k contributions,then knocking out your non-mortgage debt.

Savings per federal taxpayer: $1,118.01         

The U.S. trade deficit narrowed to $61.6 billion in April, signaling a shift in imports and exports. But everyday Americans are still grappling with higher costs, driven in part by President Donald Trump's trade policies. Despite fewer imports, the decline may reflect reduced purchasing power rather than domestic economic strength. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on the Journey to Launch podcast, I'm joined by Pat Flynn—digital entrepreneur, founder of Smart Passive Income, creator of Deep Pocket Monster, and author of Lean Learning: How to Achieve More by Learning Less. Pat shares how getting laid off from his dream job led to building a thriving online business, and how he's stayed grounded while growing multiple ventures across podcasting, YouTube, community building, and even Pokémon. We explore the benefits of learning less, how to manage growth without losing yourself, what it takes to trust others in your business, and how to keep things fun while building a life aligned with your values. In this episode we discuss: How a $19.99 PDF launched Pat's entrepreneurial career The mindset shift that helped him avoid burnout and delegate effectively Strategies to decide if an idea should be monetized or kept as a hobby What it means to build a business that truly fits the season of life you're in Why reflection, experimentation, and service are key to sustainable growth Check out the video to this episode on YouTube here: youtube.com/journeytolaunch Other Links Mentioned in episode:  Check out Pat's book, Lean Learning: How to Achieve More By Learning Less Listen to Pat's previous episode on the Journey to Launch Podcast, Building a Community, Using Entrepreneurship to Build Personal Wealth & Scaling a Business  Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Pat Flynn: PatFlynn.com SmartPassiveIncome.com Instagram:@PatFlynn Twitter:@PatFlynn Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Send us a textIn this episode, Tyler and Jimmy go over Major League Pickleball Mesa. They discuss the match-ups, the pairings, the draws. They touch on social media hate and trolling in sports.  They end the episode by answering your questions. Let us know what topics we should cover in future episodes, thanks for following along!—————————Website: https://www.tylerloong.com/Use Code "KOTC0625” for Huge Savings at Pickleball Central: https://pickleballcentral.com/Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" to save 10% on Modballs:https://modballs.4com/products/modballsUse Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong --0:00 Introduction2:14 The Pickle 5:26 Pickleball Central 6:30 MLP Mesa Recap34:00 C&D Pickleball Nets35:00 MLP Mesa Recap Continued.. 45:20 Vulcan 46:30 Major League Pickleball General 53:07 Holey Performance 55:10 Q+A

Ever wondered what it really takes to elevate your dental practice to new heights? Hosts Casey Hiers and Jarrod Bridgeman pull back the curtain on how Four Quadrants Advisory builds trust and delivers tangible results for dentists.Many dentists are wary of consultants, and for good reason. But Casey and Jarrod explain why Four Quadrants is different: they don't just offer generic advice. Instead, they dive deep into your practice's data and financials, only taking on clients they're confident they can significantly help. Discover how their unique engagement process focuses on boosting profitability, optimizing overhead, maximizing retirement savings, and mastering debt management. This isn't just about your practice; it's about transforming your personal finances and lifestyle too.Interested in more info on how to: Earn More, Save More, and Retire EarlyUpcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Dive into the future of enterprise data with the latest episode of Tech-Driven Business. Mustansir Saifuddin welcomes Shawn Brown, of SAP, for Part 1 of an in-depth exploration of the SAP Business Data Cloud (BDC). If you're navigating the complexities of data management and analytics within the SAP ecosystem, this episode is unmissable. Shawn breaks down the fundamental 'why' behind BDC, revealing how it's engineered to drastically reduce data preparation time, cut costs, and empower businesses to make faster, more accurate decisions. Tune in to understand how you can your team can take advantage of all that BDC offers to SAP customers looking to unlock true value from their data. With over two decades of experience in SAP solutions, Shawn Brown currently serves as Senior Director for SAP's Center of Excellence. Known for expertly identifying customer needs, Mr. Brown excels in presenting tailored solutions involving Business Technology Platform, Business Data Cloud, S4HANA, and Business AI. A proven leader in demand generation and partner relationship management, Mr. Brown has successfully driven initiatives that enhance customer experience and streamline cloud solution adoption. Renowned as a thought leader and strategist, Mr. Brown frequently shares insights with CIOs and business influencers, fostering strong, trust-based relationships across multiple industries.   Connect with Us: LinkedIn: Shawn Brown:  Mustansir Saifuddin:  Innovative Solution Partners  X:  @Mmsaifuddin YouTube or learn more about our sponsor Innovative Solution Partners to schedule a free consultation.    Episode Transcript [00:00:00] Mustansir Saifuddin: Welcome to Tech- Driven Business, brought to you by Innovative Solution Partners. I'm honored to have Sean Brown of SAP join me to kick off an essential two part series to unpack a topic that's on every SAP user's mind. The Business Data Cloud or BDC. If you're looking to understand how BDC can transform your data landscape and drive real business value, you are in the right place. [00:00:32] . [00:00:32] Welcome to Tech- Driven Business, Shawn. How are you? [00:00:35] Shawn Brown: I am good. I'm good. Things are going well, staying busy. [00:00:38] Mustansir Saifuddin: That's awesome. That's awesome. So glad to have you on our show and I'm really excited for the topic that we are going to discuss today. You ready for it? [00:00:47] Shawn Brown: I am. I'm excited as well. [00:00:51] Mustansir Saifuddin: Yeah, so I, I know we had talked in the past a couple of times and right now , the hot topic everybody's talking about from SAP and in general is the whole idea, the concept, and now the actual product called Business Data Cloud and what it really means for SAP customers. I like to use this time to dig deeper into this conversation and have a better understanding of exactly what this brings, what kind of landscapes that are changing with this new product, and to expect, you know, if you're a customer interested into, in going forward with BDC. [00:01:28] Shawn Brown: -. [00:01:28] Sure. That sounds great. Yeah. [00:01:32] Mustansir Saifuddin: Awesome. Okay. So I think every time we, we have this new products, right? And SAP is really good about and talk, people talk about rebranding and all that. Let's talk about the why of why should SAP customers adopt BDC. What is different about BDC that SAP customers should be asking that question. [00:01:53] Why? [00:01:55] Shawn Brown: Yeah, this is, this is my favorite question to start. Anything in the space that is outside of packaged solutions, you know ERP, HR Supply Chain and, and the capabilities we have in those areas because the why is something that it, it should be the driver for everything. Right? And, and for BDC, I would say the first thing we wanna talk about is it's a, it's a new product. [00:02:24] But it's an evolution of everything that we've been doing for years. It's, it's capabilities that our customers already know about. And it's taking all of the capabilities that we have offered over the time that we've been, been in the data and analytics space. And it's the, I call it a next generation, right? [00:02:45] It's the next generation of what was. And so when we get into the why. I would say the first thing that we really gotta say is, is the reason for BDC is it is to short circuit the amount of time it takes to prepare from data to finally analytics and planning and all the steps in between, where we're often times organizations see it as this, this wheel that. [00:03:15] They start with the data that's in the source system. They're gonna extract a, transform it loaded profile it, catalog it you know, press governance on it. Maybe make it in, you know, in a marketplace setting. Organize it so that it can be easily digestible, create some standard analytics, and then now we can actually start analyzing it. [00:03:34] And the why is really about reducing the amount of time it takes to go around that whole wheel of, Data all the way around to analytics and planning and reduce the amount of prep time and increase the amount of analysis time. Because if we think about how much time a person gets to analyze the [00:04:00] data, let's say for example, and this is a, this is actually a number that is, has been verified with numerous customers and with, the analyst firms like Gartner and Forrester and TDWI is that it takes as much as 70% or more of the actual workload and investment to go from data to analytics. That's not, so that means the analytics is just 30% or less of the time. So if we think about how much each question costs. You have to add in all of that cost that even deliver up the analytical or, or deliver up the, the data in a way that it can be analyzed. [00:04:45] So BDCs goal is to shrink that time of preparation and actual delivery of data for the analyst purpose or for the AI purpose, or for any application purpose. Shrink it as much as possible so that, the questions that are asked are cheaper, and essentially we can ask more questions. We don't have to continue to reformat the data, deliver the data in a new way to get to the final answers that we're trying to seek. [00:05:20] So I would say savings and costs. Savings and money. More data, more, more analysis time. That's the why for BDC. [00:05:31] Mustansir Saifuddin: Yeah, it totally makes sense. I think one of the things that while you're talking about this that stuck out for me was, we always talk about time value, right? And, especially when it comes to analytics, It's such a critical part of any organization's path forward and the numbers that you're just sharing from Gartner and other resources, [00:05:51] where if the majority of the time is gone into the data collection, the data refinement, all that, there's no time left or a very minimal time for your analytics part, which makes it really difficult for organizations to make quick decisions. So I think what I'm hearing from you, the why: the time value becomes very important in this case. [00:06:13] Shawn Brown: Correct. Absolutely. [00:06:16] Mustansir Saifuddin: That's good because that kind of takes me into this conversation, like, Hey, benefits. When you have that, why understood, what are some of the benefits that BDC will provide to SAP customers who want to go on the journey? Because benefits is really the reason why it will make sense for them to move forward. [00:06:33] Shawn Brown: For sure, for sure. And this is the one that's always interesting for organizations because they're focused so much on the actual preparation of the data that oftentimes the benefits that they can glean from all of that effort are, are fleeting, so they look at the, the overall effort and they go, oh yeah, there's, there's a lot here that is really based on, on how much it took to get here. [00:07:01] And the faster we can deliver the capabilities for analysis purposes for any AI purposes, the faster we can make decisions. The faster we can adjust based on those decisions. And so when you think about the speed at which organizations operate, to be able to answer those questions faster is probably the number one benefit that you can get. [00:07:27] And then you also get into accuracy. What, what questions are we asking? And if we don't have to go through this rigorous effort of moving data from all of these source systems and joining it all back together, and then building all that business context. Data integrity, is that a, a concern? It is for most organizations, they're concerned about what this looks like at its end state. [00:07:57] And the other thing that still [00:08:00] exists in the world of business, especially in the analytics space, is the typical spread marked problem. Where people just take the data that they're looking for, they extract it out of whatever solution it's been delivered to them. Maybe it's cheap cloud storage on flat files, or maybe it's been all dumped into an ODS, an operational data store, and then they're accessing the data as they like. [00:08:26] If they don't understand the details of the data and the relationships that occur with the data, and they don't have the original business context that the data came from in its source system, then if they do extract it to whatever they like, then somebody can walk into a meeting with one version of the truth and another can walk in with another version of the truth. [00:08:48] They all can believe that they're accurate. They all can argue over why their version of truth is correct and the others is not. So the confidence in the data is the other thing. We take away a lot of those concerns, because when you have it coming from those source systems and the preparation of that data has been provided in this case by SAP, for SAP systems, at a minimum, you're going to have much more confidence that the data [00:09:17] is delivered to you in a way that respects all of the integrity that it came from. That the accuracy of the data is as accurate as it was entered into the business application upon which it was the source. So the speed of delivery, the accuracy of the data. These are, these are major advantages that you get with regards to using BDC versus [00:09:43] the, the older school, I'll call it older school 'cause I'm an old guy. The old days of Bill Inman and star schemas and relational database systems that we created. These massive data warehouses. It's an older school thought, and it was one that was born outta this idea that we had to get the data from those source systems because we couldn't query the source systems at runtime. [00:10:06] All those things contribute to, to today where we're curating the data for you. It's been curated by SAP from all SAP systems, so if you have any questions about the quality of the data, in that case, you then you should have questions about the quality of your data in its source. there's a bigger issue, so speed of delivery, accuracy of data. [00:10:32] Those are probably my, my two top benefits that customers are going to get out of this. [00:10:38] Mustansir Saifuddin: Absolutely. That makes total sense. I think one of the things that really stuck out for me was the whole concept of end-to-end governance . Does BDC do a better job? And how, is that integrated to this whole BDC realm of the different pieces that makes up BDC? How is data governance and security working within those parameters? [00:11:03] Shawn Brown: Yeah. So in BDC, you're getting role level security on all the data. At that point then you're asking questions like, where do I, how do my users access the data? What are they allowed to see? What are they not allowed to see? All those capabilities can be integrated into BDC. You, you can deliver all of those capabilities directly within BDC. [00:11:27] You start off by setting up some broader, who's the, who's the group? What systems are they accessing? So if I'm in finance and I'm looking at finance data, I probably have access to let's say S/4HANA as the backend system that is storing all this data. All the users within the finance team that have access to S/4HANA can have access to that space of data. [00:11:55] And I use that word space because this is a concept that, again, there's nothing [00:12:00] new. We've invited these concepts into our thinking a while ago, and now it's just another generation of what we're doing here. So that idea of a space is I can include the data that is necessary for a line of business hr, finance, supply chain, and that's what they can see. [00:12:20] And if I need to, all of the rest of the data is accessible through BDC. It's just a question of whether I want to provide the rights to access those other data sets to another line of business, for example. So if I said I wanted to join let's say expense information that's in Concur with employee information, that's in success factors, I can easily join those data sets [00:12:48] bring in forward, from one space to another. And decide at a row level and column level, what individual data set I need to join across groups or individuals, if you will. [00:13:06] Mustansir Saifuddin: I think that's super good because that's where a lot of the questions come in. You know, every time you do move your data from one environment to another environment that you need to have your own new set of governance and security and, it can be role level security or whatever else you wanna do, [00:13:21] you have to kind of redefine that. It seems like it's all built into the BDC portfolio. You're leveraging your source system objects and then be able to apply the same rules that you may have built in. [00:13:37] Shawn Brown: Yeah, the, the analogy I always liked was it's kind of like, and I don't know if they're really like this. I mean, maybe there are not. I just remember old movies that you'd have these Japanese styled homes and they were like, the walls that were almost paper thin, that you could, you almost felt like you could just push your hand right through the wall and just grab something that was in the other room. [00:13:57] I liken it a bit like that in terms of spaces. The spaces are separated in that way with a, a level of access that is very simple to provide when necessary, but distinctly in separate spaces, separate areas, so that that's the benefit. That's the simplicity of being able to access data from any LOB or any third party for that matter. [00:14:23] If you wanted to access that third party data in BDC to any other data that's in BDC as well, whether it's finance, hr, supply chain, whatever it may be, warehouse inventory, whatever it may be. [00:14:38] Mustansir Saifuddin: Totally. Now, since we talked about the benefits, let's look into the details. Like what steps are involved if someone wants to take on this journey and move to SAP BDC? [00:14:53] Shawn Brown: Much of that begins with where are they right now? Let's take a few different scenarios? if a customer is, let's say, already using some SAP solutions, I would say, let's go with the most rudimentary that has been around for a while now for SAP. Let's talk about, they're using HANA Enterprise. [00:15:09] They've, they've been taking a lot of data from their SAP systems and dropping it into HANA Enterprise on-prem. This is a natural next step to that on-premise approach where you said, all right, I, I don't necessarily wanna be in the position of housing systems like this myself and my own data centers. [00:15:28] I want to put them into the cloud. This is a simple transition , to take the data from a HANA Enterprise, drop it into BDC and start using that data in essentially what would be a component of BDC, Datasphere. But it's built on HANA Cloud. And HANA Cloud is built on the same technology that HANA Enterprise is built on that in terms of its capabilities, what it can do. [00:15:52] It's a natural transition for that case if you're talking about a customer that's already using let's say another old product from [00:16:00] SAP, BW. Right. BW has been a really challenging one for a lot of organizations because they've had such value and such benefit by using BW to access data in SAP with those BW extractors. [00:16:14] And in many cases, they've built a lot of and invested a lot in BW in the framework itself. Creating their own objects, creating their own cubes, creating asos, DSOs and so forth, depending on what versions of BW you're on. Not necessarily wanting to just abandon that investment. There's another great example of is, once you're, once you're at least BW 7.5 and above, we make it very simple for you to go ahead and take all of that in BW investment and move it directly into BDC in its format, in its same format as a BW environment. [00:16:54] BW for HANA, same thing, move it right into BDC, it would be in a cloud-based environment that way as well. And essentially all of those connections back to the source systems still persist. When we talk about how do we take advantage of the investments you have, that's where you say, all right, well, I can access them through the BDC framework in [00:17:16] BW that is now part of BDC and use it for whatever purpose I leave it in BW in that case, or I can start taking those particular assets that I have in BW and using the data product generator that is now part of BW embedded in BDC, I can then change those assets in BW to data products. Which is the lowest level form of data that we have in BDC, and in this case, just for those that may be listening and wondering, am I copying the data? [00:17:51] Yes . And we can come to this in a minute as to why you're copying the data, but we are copying the data from its source system, and we would be copying the data from BW as well, where we wanted to make it a data product in BDC. And we can talk about why that is in a minute. 'cause it's a shift. It, it's a bit of a shift in terms of what we've talked about in the past with regards to a whole play the data where it lies, federate versus materialize [00:18:18] that data in, what was Datasphere, which is now part of BDC. That idea of moving those assets from BW into BDC as data products, over time allows us to decommission those, those deployments of BW. So that's the benefit is, we now have a path for BW customers to migrate to BDC, [00:18:45] not give up those assets that they've created and leveraged for so many years in BDC, and then over time decommission BW altogether. Or, if you're really interested and you really like using BW, keep it. That's the other benefit of moving a BW 7.5 environment to BDC is, you're gonna get three more years of mainstream maintenance. [00:19:09] And for example, for BW/4HANA, we're pushing that end of life date all the way out to 2040. That's a long time that you can hold onto that BW environment if that's what you choose to do. But the benefit of BDC is that we're going to give you the mechanism to actually migrate it over and then as your backend systems, particularly like S4 changes, [00:19:31] you're gonna need to change a lot of what you're doing from a BW extraction anyway. Don't do it in BW anymore. Do it in BDC. Now, those are some of the SAP scenarios, but some of the ones that I get as well are, we already have a strategy with our SAP data. We're pulling it into S3 buckets. [00:19:55] Azure Data Factory, Snowflake , all of these third [00:20:00] party extraction destinations and why would I go ahead and use BDC in that case? And the reality is, you have to ask yourself this question where we started in the first place. How much time and energy are you spending going from data all the way around that wheel to analytics? [00:20:20] If you're like the typical organization and it's north of 70%, 80%, 90% as a CIO, I heard last week talking about this, 90% of their time is spent just moving data to get it prepared for analysis. How much do you want to continue to do that? And nobody likes to be looked at as a cost center. Everybody likes to be seen as somebody that is providing value to the organization. [00:20:50] If you're part of an organization and you are seen as a cost center, because the amount of energy it takes to get the data from where it sits to where it needs to be is exorbitant, nine tenths maybe of the overall cost of asking those questions. That's not a great place to be. If you can shrink that as much as possible, then you can actually live up to some of those things that everybody would like to say. [00:21:19] Like, data is the new gold, data is the new oil. The value of data is, is immeasurable. We can do so much with our business because of the data. We could be a data-driven organization. All of these things can become possible, but not so easy when nine tenths or eight tenths of the cost, it's just getting the data where it needs to be. [00:21:44] That's the big thing that needs to be focused on as it relates to some of these ideas that let's go ahead and do the, what I still call old school extract, transform, load, model, profile, catalog govern and, create all of the overhead that is necessary to actually deliver those analytics back to the organization. [00:22:07] And if, you're in a part of your organization where you think it's good enough for me to just extract all the data and drop it over here and let the business go have fun, that's another one where you're not providing additional value to the organization. [00:22:19] What the business community really wants is they want curated data that is business context aware, that is in a position to help them answer questions out of the box, push button. An actual software as a service. That's what we've got with BDC. So this idea that of you've already got a strategy in place, [00:22:44] it might be working right now because you did a ton of work to get you where you are. But here's the kicker. It's probably all going to change, maybe not next year, but maybe two years or three years, maybe the next time you do some major upgrade and we've become more efficient in terms of how we store the data in the business applications, or, [00:23:12] any of the other business applications that you use, they change their underlying architecture in how they are actually storing the data in those source systems. Guess what just changed with your data strategy? Potentially everything. And we have customers that this has happened to them. Where I've walked into a huge SAP customer and I had a conversation with him where I said, we're gonna go ahead, and this is before we had two separate entities of BDC and BTP. And I walked into this session with the customer and said, here's what we're gonna do. [00:23:43] We're gonna go ahead and tell you everything that we can do in the space of data and analytics and everything within the platform space. And the customer said, I don't think we really need to hear about your data and analytics strategy, because we're pretty well set on that. And I said, I want to talk to you about all these things and I need to talk to you [00:24:00] about this one as well. [00:24:01] This one's not negotiable. I need whoever's responsible for data and analytics to be in the room to discuss this. And that person did arrive and that person pretty much felt like they had everything figured out. They didn't wanna, engage in the conversation at all. Pretty much arms crossed throughout most of the most of the meeting. [00:24:19] And we finally got to a point where they said, all right, I can see that there's some benefits, you know, to how this works. But I'll tell you, they were on ECC on HANA. And so fast forward six months and they're negotiating the RISE opportunity with S4/HANA in a private cloud and RISE, and they now realize that everything needs to be changed. [00:24:50] It's good that we had this conversation with them about how you can access the SAP data through, at the time, Datasphere, which is now Business Data Cloud, because they now understand that for them to be able to get access to the data in the way they want, the fastest way they want, and for the fact that we're curating all that data for them, and then providing them out of the box insights with our insight apps. [00:25:14] This is pretty much a no brainer in their part. They knew that they had to explore it, and they knew they had to explore it for the SAP centric question, but also for the non SAP centric question where they want to pull smaller data sets to non SAP capabilities because we are gonna curate those scenarios through data products that will allow them to pull that data into those non SAP scenarios. [00:25:40] So this, these are some of the big plays, we've got that existing SAP solutions, we've got that non SAP centric approach. And then, ultimately, if you haven't got to the point that you're deciding what you're going to do or you haven't don't have a very mature data strategy, maybe you're a growing company, at some point you're going to need to go ahead and start asking those data and analytics questions. [00:26:05] Just know that it's very expensive, as I've said before, to move the data from one place to another, place it there, do all of those things that we've talked about in the past, and then deliver analytics, just pull it out of the box. The last comment I'll make is "that pull it out of the box" sometimes that's not as useful as we think it is. [00:26:25] If I said, you have to dig a hole, it's 10 feet deep and you started from ground level, you have 10 feet to dig. But if I gave you something that got you 50% of the way, I dug five feet for you, I dug six feet for you, would you rather just dig five more feet or four more feet, or would you just rather start from ground level and dig 10 feet on your own? [00:26:48] That's the value that we were trying to demonstrate through BDC. [00:26:53] Mustansir Saifuddin: Good explanation. And I think it is really clear that a lot of times conversations come up about SAP customers talking about their on-prem, their legacy systems and how they will benefit from BDC, but your examples went beyond HANA Enterprise to other non SAP solutions where customers have already been on the journey and they don't see the value at least at this point. [00:27:20] But, after seeing the example you use, it's very logical for them to start thinking in those terms. Also saying, Hey, I simplify my landscape? Still get , if not same, at least, the value that whatever else that BDC brings to the table, like the whole AI capability, all of that can be leveraged by adopting this platform. On a personal note how do you stay on top of, you know, this changing technology world, and business at the same time. How you keep up with all this? [00:27:58] Shawn Brown: Yeah, as you [00:28:00] might imagine in the space of SAP, oftentimes it's hard enough just staying on top of all of the different options we have and different things that we have in terms of technology. So one of the ways that I like to keep up in, in the SAP space is called the BTP Talk podcast, which is a pretty good one. [00:28:18] It actually goes to a number of different you know, platform and data analytics related scenarios. Data skeptics is another pretty good podcast that I get a kick out of. There's another one I'm trying to think of that I use from time to time as well. [00:28:32] Analytics Power Hour. That's it. Yeah, the Analytics Power Hour is another good one. And, I've been paying attention to Tech-Driven Business as well too, so I like this one too. But, you know, the thing that I've been finding too is that, these days, things move so quickly and we think we know where we're going and then something comes along and, and change makes us change direction again. [00:28:53] And AI has probably been the biggest driver to that. The thing that I would say that that it's probably most interesting in terms of how I've changed how I operate is I actually ask AI to provide resources for me on particular topics. For example mid early last year there was a lot of talk about vector engines and knowledge graphs. [00:29:14] And the easiest thing I found to really kind of get a little bit more, versed on the topics was AI itself. I started asking for resources and, and I'll use for example, ChatGPT in some cases I like using Grok as well. From time to time they seem to provide a little bit different types of approaches and levels of interaction. [00:29:35] I kinda like how, grok will ask me follow up questions, which is pretty neat as well. But that's a great way to learn about topics that you are wanting to become more versed in or learning where the resources are to find those topics. So those, those are some of the things that I like to use. [00:29:58] Mustansir Saifuddin: Great list of ideas to kind of keep up with the changing, I mean, just everywhere around us. taking from AI to just carries to anything else. A lot of conversations going on so many different directions. How do you even keep up with them? So I'd like your suggestions, and I know we've talked about a lot of different things today. What is the one thing or one takeaway that you want to leave our listeners with? [00:30:24] Shawn Brown: Hmm, probably in, in the audience of that are responsible for data and analytics. If you're a CDAO, or an analyst or somebody that's responsible for enterprise wide analytics: I would focus on two things because these two things are probably the most important to the people that you serve, your business community. [00:30:50] Point number one is, they want analytics quickly. They want to be able to ask questions quickly. They don't wanna wait. They don't want to say this report, these data sets that you've provided me, they look really interesting, but I'd like to add this and this and this, and when can I have that? [00:31:12] If you can't say you can have that now, then you're taking too long. The other point is. We need to stop being looked at as a cost center. We need to stop being looked at as a place that is a necessary evil. We gotta ask questions of the system. We've gotta extract data everywhere and put it in someplace that we can start answering questions or even not even doing to the extent of actually providing the analytics out of the box. [00:31:40] Instead, we're just providing data sets for people to access. We need to be able to offer real value to the business community. Those are the ones that are footing the bill. Those are the ones that are actually paying for everything. So we need to be in a position to deliver it very quickly, [00:32:00] and it needs to not be expensive, and it needs to be accurate. [00:32:06] Mustansir Saifuddin: Absolutely [00:32:07] Shawn Brown: Those are the elements I think are the key takeaways. That's really the foundation of what we're doing with Business Data Cloud. That's the whole purpose behind it. [00:32:16] Mustansir Saifuddin: Absolutely great advice and a great way to sum up the session. It's been a great conversation. There's so much to gain from this product and, and direction, that SAP's taking. I'd like to thank you very much for joining us today in our show, and look forward to having further detailed conversation with you. [00:32:36] Shawn Brown: Thanks, I appreciate your time as well. [00:32:39] Mustansir Saifuddin: Thanks for listening to Tech-Driven Business, brought to you by Innovative Solution Partners. We have covered the critical why behind BDC, the immense time and cost savings it promises, and the tangible benefits like enhanced speed and accuracy for SAP customers. Sean's key takeaway? Focus on delivering analytics quickly to your business community and strive to offer real accurate value moving away from being seen as just a cost center. [00:33:15] . We would love to hear from you. Continue the conversation by connecting with me on LinkedIn or X. Learn more about Innovative Solution Partners and schedule a free consultation by visiting isolutionpartners.com. Never miss a podcast by subscribing to our YouTube channel. Information is in the show notes.

Russillo starts the show by breaking down the final regular-season matchup between the Thunder and Pacers before making his pick for the Finals (1:49). Then, he's joined by Bruce Feldman to check in on the state of college football, discuss what changes could be coming to the playoff format, and tease his yearly ‘Freak List' (20:06). Plus, Life Advice with Kyle (58:28)! How do I stop my barber from bald-shaming me? Check us out on YouTube for exclusive clips, livestreams, and more at https://www.youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Guest: Bruce Feldman Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias Shopping. Streaming. Savings. It's on Prime. Visit amazon.com/prime Learn more about your ad choices. Visit podcastchoices.com/adchoices

Has anybody seen Richie? The Ringer's Bill Simmons and Kyle Brandt need to find Richie before rewatching the 1991 action classic ‘Out for Justice,' starring Steven Seagal and William Forsythe. Producer: Craig Horlbeck Video Producer: Jon Jones Shopping. Streaming. Savings. It's on Prime Visit Amazon.com/prime to get more out of whatever you're into. This episode is sponsored by State Farm®. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Financial experts suggest reviewing your savings rate quarterly and switching accounts once or twice a year to ensure you're not leaving significant money on the table. Today's Stocks & Topics: ET - Energy Transfer LP, CUBE - CubeSmart, Market Wrap, How Often Should You Switch Savings Accounts for 5% Yields?, BMY - Bristol Myers Squibb Co., AAPL - Apple Inc., Treasure Yields and The Dollar, MP - MP Materials Corp.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.comAdvertising Inquiries: https://redcircle.com/brands

Lee Camp digs into the new US/ Palantir partnership to track everyone. Plus the new ceasefire plan. PLUS the new plan to go after Russia. PLUS much more.To learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

In this episode, we sit down with Axel Ragnarsson, for a practical solo breakdown of three overlooked financial advantages of hiring a property management company.While most investors think of property management as a time-saving decision, Axel explains how the right PM can also improve your bottom line through better vendor pricing, optimized leasing, and built-in bookkeeping systems. If you're self-managing—or thinking about doing so—this episode is a must-listen.Join us as we dive into:How experienced PMs get better pricing from contractors and vendors through scaleThe advantage of real-time rent comps from PMs who are constantly leasing units in your marketWhy your PM is also your built-in bookkeeper—and how that compares to hiring one separatelyThe collections advantage that professional PMs bring over self-managing landlordsWhy even small portfolios benefit financially from third-party management (if you choose the right one)Are you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

Yields on many savings accounts are up, but if you have a significant amount of money sitting in your checking account, you may need to make a change. I'm James Derrick, and today we will explore how much “cents” there is in savings with Jordan Hadfield.

In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including:  Nationwide latest Fairer Share bonus and perks The growing cost of wedding celebrations Our June 2025 Savings update And more! For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:07 Nationwide Fairer Share 14:39 The cost of wedding celebrations 23:39 Savings update 39:55 Our latest poll results ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the common fears surrounding retirement planning, particularly the anxiety of running out of money and the quest for a 'magic number' in savings. They emphasize the importance of focusing on income generation rather than just accumulating a certain amount of savings. The discussion also covers the evolving perception of annuities, the significance of guaranteed income, and the strategic use of Roth IRAs for tax planning. The hosts encourage listeners to evaluate their financial strategies and consider the implications of tax planning in their retirement journey. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche. I'm a financial advisor and co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory practice managing over $425M in assets.  For 17 years, I've helped clients retire with confidence, and my goal on this podcast is to simplify the complexities of retirement planning so you can focus on what truly matters—enjoying your retirement years while maintaining financial security. So this week, I'll break down each step in the savings optimization ladder…what to focus on first, and what you should focus on next as you check each box and move up the ladder. If you pay attention to the right savings amounts in the right order in the right accounts, you'll be better off than most Americans and be more flexible with your finances, and set yourself up for more long-term financial stability. 

Allyson Sullivan sits down with her go-to tax consultant, Maxwell Lorrow, for a refreshingly real conversation that breaks down what the 2017 SALT tax cap meant for high-income homeowners — and why recent changes could shift the real estate landscape once again. From the inside scoop on Florida's tax-friendly laws to Maxwell's no-shame approach to finances, this episode delivers financial clarity without the confusion.Whether you're a seasoned investor, a Florida transplant, or just tax-curious, you'll learn why the Sunshine State continues to be a magnet for smart homeowners. Plus, Allyson shares a few personal gems about homestead exemptions, school vouchers, and why some celebs might be buying homes in Miami for more than just the beach views.Contact Allyson Sullivan:Email: AllysonSL@hotmail.comIG: @allysonsullivanrealtorWebsite: www.allysonsullivan.com

In this episode, I share my full investing journey — how I started learning investing as a teenager, applying investment fundamentals, and trying to beat the market through stock picking. I explain how I built a personal portfolio, why most investors fail to outperform the market, and why concepts like compound interest, dollar cost averaging, and diversification are essential to long-term investing success.We explore how to build wealth from small savings, the limits of day trading strategies, and why inflation-proof investments are more important than ever. I reveal why, after years of chasing stock market gains, I focused on Bitcoin — seeing it as a savings technology rather than just an investment — and why Bitcoin's price history over the last 10 years outshines many traditional assets.Whether you're curious about how to save money effectively, where to put your cash, or how to generate wealth for the future, this episode is packed with lessons from experience. We'll cover how to diversify investments, what to do with money sitting in the bank, and how to build wealth even with a low income — using proven investment strategies and modern tools like Bitcoin.Get intouch with Myles at mylesdhillon@gmail.com

In September 2023, UK consumer watchdog Which published research showing just how much cheaper budget brands can be. One striking example was the price of rice at Asda. Shoppers could get 1kg of Asda Just Essentials rice for 52 pence, while the store's standard own-brand Easy Cook Long Grain White Rice was £1.80 for the same quantity. That's 246% more. Similar cases were found at supermarkets like Sainsbury's, Tesco and Morrison's, on staple foods like baked beans, spaghetti and tea bags. The cost of living crisis has seen a lot of people switch to budget food brands in order to save. And an early 2023 survey by Attest found that 70.2% of Brits plan to stick with own-label brands, rather than reverting to premium options. What counts as a budget food brand? Are the products of good enough quality? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠Why is funflation causing us to spend more on live entertainment?⁠ ⁠Are gas cookers dangerous?⁠ ⁠How do I know if I'm allergic to gluten?⁠ A podcast written and realised by Joseph Chance. First broadcast: 26/11/2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

Laura answers a listener's question about prioritizing money for various goals like buying a home, eliminating debt, and retiring.Money Girl is hosted by Laura Adams. Transcript: https://money-girl.simplecast.com/episodes/should-i-use-extra-cash-for-savings-investments-or-debt/transcriptHave a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/ 

Send us a textIn this episode, Tyler and Jimmy are apart again in different time zones catching up about Tylers travels. They dive into Major League Pickleball Austin, the match-ups, the venue, home court advantage and more! They end the episode by answering your questions. Let us know what topics we should cover in future episodes, thanks for following along! —————————Website: https://www.tylerloong.com/ Use Code "KOTC0525” for Huge Savings at Pickleball Central: https://pickleballcentral.com/ Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/  Use Code "KOTC" to save 10% on Modballs:https://modballs.4com/products/modballs Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pages NEW KOTC DISCORD https://discord.com/invite/kNR65mBemfInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   ————————0:00 Introduction3:24 The Picklr 7:10 Pickleball Central 8:03 Stack Athletics/Vulcan Merger 10:05 MLP Austin 45:14 C&D Pickleball Nets 47:28 Minor League Pickleball 49:15 MLP Austin Continued55:17 MLP Phoenix, Bans, Fines, & Latest Pickleball News01:07:32 Holey Performance 01:09:14 Q+A

Struggling to make your supply dollars stretch further without sacrificing quality? On this week's Power Supply Vendor Spotlight™, we're joined by Tyler B. Berger, DBA, Co-Founder and CFO of XS Supply, to discuss their unique approach to providing cost-effective surgical supply solutions. Learn how XS Supply is helping healthcare facilities save money on high-quality surgical products while reducing waste in the healthcare supply chain. Through their guaranteed best customer service model and customized solutions, discover how XS Supply can help optimize your supply budget and redirect those savings toward what matters most - patient care! For more information about XS Supply's cost-saving solutions, email support@xs-supply.com, call 844-790-3897, or follow them on LinkedIn. Mention Power Supply for 10% off, or visit their website to register for a $250 credit to spend!* *Offer available to healthcare facilities only.

Lee Camp digs into the recent Venezuelan elections, 10 horrible things hidden inside Trump's "beautiful" bill, and moreTo learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Everything on the Internet is true, right? What can Tik Tok (and social media) teach us about getting out of debt?  How much of the advice is legitimate and how much is, shall we say, a bit "out there"? On this week's episode of the Crushing Debt Podccast, Shawn & George watch (or listen to) Tik Tok videos from influencers who are trying to help people get out of debt. We'll then comment on the good, the bad, and the ugly of the advice given. As with any social media platform, you have to do your own due diligence and utilize strategies that will work for you. You can listen to similar former episodes of the show like Episode 413 - Tik Tok Money Hacks Episode 388 - Money Lessons from Tik Tok (our Girl Math Episode) The Tik Toks on this weeks episode cover topics such as: What is a normal amount of savings? Bankruptcy Frugal Hacks How to turn $60 into $1,000 Girl Math Why NOT to save money Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders (the link will be live until June 2025): http://support.pancan.org/goto/MYLegacy8  

Savings per federal taxpayer: $1,086.96            

In this episode of Journey to Launch, I'm joined once again by Travis Hornsby, founder of Student Loan Planner. Travis returns to break down the current state of student loans, including what's changed under the Biden and Trump administrations, what borrowers should expect moving forward, and how to navigate the uncertainty with smart, strategic planning. Whether you're a recent grad or have six-figure student debt, this episode will help you better understand your options and next steps. What You'll Learn in This Episode: What happened to Biden's student loan forgiveness and SAVE Plan—and why they're essentially dead How the IDR account adjustment and PSLF waiver may still benefit you What the new GOP proposals could mean for repayment plans and forgiveness timelines The difference between public vs. private student loans—and strategies for managing each Why many borrowers should consider enrolling in an Income-Driven Repayment (IDR) plan now Check out the video to this episode on YouTube here. Other Links Mentioned in episode:  Book Your Custom Student Loan Plan at Student Loan Planner, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Travis Hornsby: Website Instagram: @StudentLoanPlanner Twitter:@StudentLoanTrav Facebook:@StudentLoanPlan Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Even with limited savings, you can still retire comfortably by assessing your finances, exploring part-time work or downsizing, maximizing retirement contributions... and more. Today's Stocks & Topics: WMB - Williams Cos., Market Wrap, Relocated Some of My Portfolio from the US to Europe, How to Retire with Little Savings, CIVI - Civitas Resources Inc., Canadian Mutual Funds, Setting a Limit Order, A-I and Your Job, Global Funds, VT - Vanguard Total World Stock ETF, AVGE - Avantis All Equity Markets ETF, AVGV - Avantis All Equity Markets Value ETF, TTC - Toro Co., International Bond Markets.Advertising Inquiries: https://redcircle.com/brands

The former Israeli Prime Minister Ehud Olmert has accused Israel of war crimes. Plus the US and Germany have decided to remove all range restrictions for Ukraine.To learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

We're taking some time to highlight some of our best Gymsplain Episodes, like this one detailing exactly what an emergency fund is and why everyone needs one! Life throws curveballs when we least expect them, and having a safety net can make all the difference. But what exactly is an emergency fund, and why should you have one? We'll break it down in simple terms and show you how these funds can be your financial cornerstone in times of crisis.  From unexpected medical bills to car repairs that catch you off guard, having an emergency fund is crucial. Garrett and Sam will guide you through the process of determining the right amount to save based on your budget, where to keep your emergency fund, and discuss saving vs. paying down debt.   For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.   Resources  BFF Approved High-Yield Savings Accounts  When Should You Use Your Emergency Fund   How to Save Your First $1000 in Emergency Savings   How to Build an Emergency Fund and Why You Need One    Meet The Trainers  Meet Garrett Faulconor, Level 3 Certified Financial Trainer  Meet Sam Cash, Level 2 Certified Financial Trainer      

Europe, once the driving force of global progress, gave birth to the Industrial Revolution, Enlightenment ideals, innovative scientific discoveries, and a cultural renaissance that shaped modern civilization. However, today, amid trade wars, geopolitical crises and industrial and technological advancements, Europe finds itself at a critical crossroads. In response to these disruptions in the global order, the European Union has announced bold investment plans in infrastructure and defence spending. But could this moment also mark the beginning of a financial renaissance, or does Europe risk falling further behind in the global race ? In this episode of 2050 Investors, Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, explores the history of the European Union, its economic challenges, its remarkable resilience in emerging stronger from crises. Kokou contrasts the “European Dream” with the “American Dream”, shedding light on their respective strengths and weaknesses: individualism versus community, economic growth versus sustainability, and shareholder capitalism versus stakeholder capitalism. Later in the episode, Kokou is joined by Anne-Christine Champion, Co-Head of Global Banking and Investor Solutions at Societe Generale, for an engaging discussion about the structural challenges facing Europe. Together, they analyse the strategic wake-up call issued in Draghi's report, examining key areas such as fragmented financial markets, weak stock market culture, underutilization of €14 trillion in household savings, and regulatory complexities. Finally, they examine how solutions like advancing the Savings and Investments Union (SIU), deepening the integration of capital markets, developing securitization markets, and promoting financial education can revive the European project. This episode offers a thought-provoking examination of Europe's potential to transform challenges into opportunities and reclaim its position as a global leader in financial markets.About this showWelcome to 2050 Investors, your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050's challenging global sustainability targets.In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there's certainly something for everyone.If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you're seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!CreditsPresenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker & Jennifer Krumm. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Emmanuel d'Orlando. Graphic Design: Cédric Cazaly.Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Big changes could be coming to ISAs — the tax-free savings wrapper used by 22 million Brits. Chancellor Rachel Reeves is preparing a major review of the ISA market, aiming to nudge savers away from cash and into stocks and shares. Could we soon see a cap on cash ISAs? And if so, how might that reshape the way millions of us save and invest? And in today's Dumb Question of the Week: What is the ‘cost of capital'? --- Thanks to Raisin UK for supporting this episode. Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link raisin.co.uk/pensioncraft --- Try PensionCraft's Premium Membership and get 75% off your first month. Simply use coupon code SAVE75 before July 1st, 2025. Gain access to premium content, and remember, you can cancel anytime and still retain access to our Beginner's bundle of courses. pensioncraft.com/investor-education/membership ---Get in touch

The Ringer's Bill Simmons, Chris Ryan, and Van Lathan return back to earth to rewatch one last movie, Warren Beatty and Buck Henry's 1978 film ‘Heaven Can Wait,' starring Warren Beatty, Julie Christie, James Mason, Jack Warden, Charles Grodin, and Dyan Cannon. Podcast Manager: Craig Horlbeck Video Producer: Jon Jones Shopping. Streaming. Savings. It's on PrimeVisit Amazon.com/prime to get more out of whatever you're into. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Three more fugitives are captured more than a week after a jailbreak from a New Orleans prison. Also, dozens are injured after a car plows into a celebration parade for Liverpool F.C. in Liverpool, United Kingdom. Plus, the latest on a crypto trader who allegedly tortured his business partner in an effort to steal his bitcoin fortune. And, a closer look at summer travel deals — where to find the best prices and the best and worst times to book.

The Mancave Caucus is at it again with all the news, commentary, and entertainment for the week! MAGA Baby Savings accounts, The Golden Dome Star Wars weapons, ACT Blue is under scrutiny for foreign donations, Nvidia is teaching robots to dream, and much much more!

RSV, a common respiratory virus, can be especially harmful for infants. But this past winter brought promising news: two new preventive measures became widely available — a vaccine given in pregnancy and antibodies given to newborns. Together, they led to a major drop in RSV hospitalizations among infants. Which is good for both families and taxpayers. And in the next installment of our "Buy Now Pay Later" series, we look at tackling credit card debt before retirement.

RSV, a common respiratory virus, can be especially harmful for infants. But this past winter brought promising news: two new preventive measures became widely available — a vaccine given in pregnancy and antibodies given to newborns. Together, they led to a major drop in RSV hospitalizations among infants. Which is good for both families and taxpayers. And in the next installment of our "Buy Now Pay Later" series, we look at tackling credit card debt before retirement.

Snag Our Simplified Budget System!Hey budget besties!

Lee Camp and Eleanor Goldfield cover Trump's new massive giveaway to the rich, cuts for the poor. Plus, Israel sh---ing at diplomats, and much more!To get FREE help navigating Medicare and Medicare Advantage, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. *Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!Mastering your money mindset unlocks freedom most people never experience. In this power-packed episode, I speak with three financial titans who reveal the psychology behind wealth creation. Vivian Tu ("Your Rich BFF") breaks down her practical STRIP method for financial health, sharing why asking for raises beats cutting expenses every time. Noah Kagan opens up about his journey from feeling unworthy at AppSumo to creating an $85 million business, explaining why self-worth drives financial decisions. Alex Hormozi delivers the brutal truth that suffering only lasts a moment while achievement memories pay dividends forever. This conversation transforms how you'll approach money, relationships, and success whether you're starting your wealth journey or looking to level up.Vivian's book Rich AF: The Winning Money Mindset That Will Change Your LifeNoah's book Million Dollar Weekend: The Surprisingly Simple Way to Launch a 7-Figure Business in 48 HoursNoah's book How I Lost 170 Million Dollars: My Time as #30 at FacebookAlex's book $100M Leads: How to Get Strangers To Want To Buy Your StuffAlex's book $100M Offers: How To Make Offers So Good People Feel Stupid Saying No (Acquisition.com $100M Series)In this episode you will learn:Why asking for a $5,000 raise is easier than cutting $5,000 in expensesHow to use the STRIP method for financial health: Savings, Total debt, Retirement, Invest, PlanWhy being a "B+ student with an A+ personality" often earns more than technical expertsThe critical difference between putting money in retirement accounts and actually investing itWhy protecting your reputation matters more than any short-term financial gainHow changing your environment is essential for changing your financial behaviorsThe reason most successful people delete everything that doesn't directly support their goalsFor more information go to https://www.lewishowes.com/1775For more Greatness text PODCAST to +1 (614) 350-3960More SOG episodes we think you'll love:Vivian Tu – greatness.lnk.to/1551SCNoah Kagan  – greatness.lnk.to/1572SCAlex Hormozi – greatness.lnk.to/1723SC Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX

How to save money this summer, starting with the biggest and best Memorial Day Weekend sales. Also, basketball legend Shaquille O'Neal discusses ‘Power Moves,' his upcoming Netflix documentary series, and the NBA playoffs. Plus, Joe Jonas talks about his new solo album and heading out on tour again with his brothers. 

Russillo starts the show with a deep dive into the Pacers' improbable comeback (1:22). Then, he's joined by Howard Beck to learn what it was like inside MSG last night, debate whether Shai Gilgeous-Alexander deserved to win MVP, and have a conversation about players drawing fouls (21:27). Plus, Life Advice with Kyle (1:09:25)! How do I stop my boss from ordering for me when we go out to eat? Check us out on YouTube for exclusive clips, livestreams, and more at https://www.youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Guest: Howard Beck Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias Shopping. Streaming. Savings. It's on Prime. Visit Amazon.com/prime to get more out of whatever you're into. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week on the Journey to Launch Podcast, I'm excited to welcome back the often called “Godfather of Financial Independence”, JL Collins, author of the bestselling book The Simple Path to Wealth. In this episode, we dive into how to stay calm and confident in today's unpredictable market and why keeping it simple is still the most effective path to building real wealth. We also discuss the timeless power of index fund investing, how to approach investing at different stages of your journey, and why avoiding debt and living below your means are the most powerful tools for building financial freedom. In this episode you'll learn: The 3 core principles of The Simple Path to Wealth and why they haven't changed What to do (and not do) during market downturns and volatility How to approach financial advisors, and when they might actually hurt more than help What's new in the updated edition of The Simple Path to Wealth + much more! Check out the video to this episode on YouTube here. The next FIRE LIVE class is on May 22nd! Get the FIRE Calc tool and save your spot for the class here. A walkthrough of the tool is available here as well.  Other Links Mentioned in episode:  Check out JL's book, The Simple Path to Wealth here.  Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with JL Collins: Website Twitter:@JLCollinsNH Facebook:@JLCollinsNH Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

The FIRE Calc is your personal roadmap to financial independence—helping you plan, project, and achieve your early retirement goals with confidence. This is the exact same spreadsheet I used to map out my journey to FI, test different paths, and confidently walk away from my job when the numbers aligned. Unlike basic FV (Future Value) calculators, the FIRE Calc lets you model your financial journey year by year, factoring in: Income changes (career shifts, side hustles, salary jumps) Spending adjustments (cutbacks, lifestyle inflation) Taking a sabbatical or career break Debt payoff & investment growth strategies Life isn't one-size-fits-all—and neither should your FI plan be. The FIRE Calc is a customizable, interactive Google Sheet that lets you map out your FI journey year by year. Learn more at https://journeytolaunch.com/firecalc and don't miss out on our LIVE workshop on May 22!

In this episode, Suze talks about how savings versus consumption will help you feel secure, which leads to true wealth. She’ll cover what’s happening in the Stock Market and outline why compounding in your investments and having focus will get you there. Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.