Podcasts about savings

#932: Join us as we sit down with Paris Hilton –  global icon, entrepreneur, philanthropist, recording artist, DJ, & more. As CEO of 11:11 Media, Paris has harnessed her self-made spotlight to architect a thriving entertainment & consumer products empire. In this episode, Paris dives into nostalgic 2000s culture, discusses how the media landscape has evolved, her pioneering role in influencer culture, opens up about her advocacy work against emotional growth schools, discusses her efforts to legislate against AI-generated explicit content, shares insights on managing ADHD, & touches on her latest documentary, Infinite Icon: A Visual Memoir. To Watch the Show click HERE For Detailed Show Notes visit TSCPODCAST.COM To connect with Paris Hilton click HERE To connect with Lauryn Bosstick click HERE To connect with Michael Bosstick click HERE Read More on The Skinny Confidential HERE Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode. Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194. To learn more about Paris Hilton visit https://parishilton.com. Infinite Icon: Visual Memoir, coming to a theater near you on January 30th.  This episode is sponsored by The Skinny Confidential Your skincare routine, reimagined. Shop The Skinny Confidential Face Towels today at https://shopskinnyconfidential.com/products/face-towels. This episode is sponsored by Branch Basics  If you want to try the Premium Starter Kit today and get 15% off, head to http://BranchBasics.com and use my code SKINNY15 for 15% off your first order.  This episode is sponsored by Experian Get started with the Experian App now! Results will vary. Not all bills or subscriptions eligible. Savings not guaranteed. Paid membership with connected payment account required. See http://experian.com for details. This episode is sponsored by The RealReal Get $25 off your first purchase when you go to http://TheRealReal.com/skinny. This episode is sponsored by Purely Elizabeth Visit http://purelyelizabeth.com and use code SKINNY at checkout for 20% off to taste the obsession yourself. This episode is sponsored by Puori Use code SKINNY at http://puori.com/SKINNY to get 32% off Puori Creatine+ when you start a subscription. This episode is sponsored by Maui Nui Head over to http://mauinuivenison.com/SKINNY. Produced by Dear Media  

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!February's knocking at the door (yes, the month with TWO R's — we didn't forget

If you're newly retired or will join the ranks soon, it's time to think about how you plan to spend your nest egg. Morningstar researchers are helping new retirees figure out where to begin. The recently published State of Retirement Income report concluded that the starting safe withdrawal rate for people beginning their retirement in 2026 is 3.9%. That number might appear low. However, the team has analyzed several strategies to lift it to almost 6%. Morningstar portfolio strategist Amy Arnott has investigated the data and joined the podcast to explain flexible withdrawal strategies.How Much Can You Spend in Retirement? Here's Your Starting Safe Withdrawal Rate for 2026  https://apple.news/ALEEtAf1FTAm7WUFGvYvXVQOn this episode:00:00:00 Welcome00:01:26 Understanding the 3.9% Safe Withdrawal Rate00:02:33 How Flexible Strategies Lift Withdrawal Rates Up to 5.7%00:03:48 Flexible Approaches for Retirees Seeking Predictable Paycheck-like Income00:05:40 Inside the Vanguard Dynamic Spending Method00:07:15 Highest Lifetime Spending & Highest Starting Safe Withdrawal Rate00:09:20 Leaving a Legacy and Strengthening Your Portfolio00:14:30 4 Financial To-Dos to Kick Off the New Year Watch more from Morningstar:Beyond AI: Are Quantum Stocks the Next Big Thing in Tech Investing?How to Generate Steady Income in 2026All in on Magnificent 7? Where You Should Invest Next Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3431: Christine Luken offers a balanced approach to savings by recommending at least two accounts, one for emergencies and another for planned purchases, with a third for taxes if you're self-employed. Her system helps you stay organized, avoid debt, and plan ahead without overcomplicating your finances. Read along with the original article(s) here: https://www.christineluken.com/how-many-savings-accounts/ Quotes to ponder: "I advise my clients to have at least six months of their household expenses in their emergency fund." "Having a healthy emergency fund ensures that a stretch of bad months in the business won't ruin your personal financial health." "You don't want to owe the IRS back taxes. They have the leverage to make your life miserable." Episode references: Mint: https://mint.intuit.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3431: Christine Luken offers a balanced approach to savings by recommending at least two accounts, one for emergencies and another for planned purchases, with a third for taxes if you're self-employed. Her system helps you stay organized, avoid debt, and plan ahead without overcomplicating your finances. Read along with the original article(s) here: https://www.christineluken.com/how-many-savings-accounts/ Quotes to ponder: "I advise my clients to have at least six months of their household expenses in their emergency fund." "Having a healthy emergency fund ensures that a stretch of bad months in the business won't ruin your personal financial health." "You don't want to owe the IRS back taxes. They have the leverage to make your life miserable." Episode references: Mint: https://mint.intuit.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Thorsten Guthke and Irene Rey review the European Commission's SIA initiative and its potential to channel retail savings into capital markets under the Savings and Investment Union.

Tune in as the team discusses:Why savings accounts lose real value during high inflationThe hidden cost of “playing it safe” with cashSimple math showing how inflation erodes purchasing powerWhy land benefits from the same forces that cause inflationScarcity, population growth, and why land can't be printedHow economic uncertainty creates motivated land sellersThe advantage of owning assets without tenants or repairsUsing owner financing to build inflation-resistant passive incomeWhy land investing scales without stress or complexityTIP OF THE WEEKMark: Inflation punishes idle cash—put your money into real assets like land that benefit from scarcity.Scott: Focus on buying land at deep discounts so inflation works for you, not against you.Mike: Treat land like a long-term store of value that grows quietly while others panic about markets.WANT MORE?Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing.UNLOCK MORE FREE RESOURCES:Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree."Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

Today we discuss one of the most popular and influential economic books of the last few decades - The Winner's Curse. Originally published in 1994, a new version has just been released and we are joined by co-author Alex Imas who wrote the new edition alongside Nobel Prize winner Richard Thaler. When are we likely to spend a windfall and when are we likely to save it? When is it most dangerous to bid for business against competitors? And are ‘arbitrage' opportunities in markets really a free lunch?-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Kevin on SubStack & read his Book.Follow Alex on X.Episode TimeStamps: 00:00 - Opening remarks and framing the law of one price01:42 - Introducing the Ideas Lab series and Alex Imas03:44 - From pre med to behavioral economics08:15 - Mental accounting and how people really treat money10:45 - Housing wealth, illiquidity, and self control15:39 - Savings behavior, capital gains, and inequality17:11 - Attention, salience, and why nudges work or fail22:07 - Nudges versus incentives and policy confusion25:18 - The winner's curse and common value auctions30:01 - Auctions, IPOs, and competitive overbidding33:44 - The law of one price and market mispricing36:50...

Send us a textIn this episode, Tyler and Jimmy talk through a week in the pickleball world! They talk through a Masters recap and how the tournament turned out, they go through the latest news and updates especially from MLP announcements and then talk through PPA Minnesota happening this week. They end with a Q+A from the fans, don't forget to send us your questions!  Let us know what we should cover on the pod in future episodes and who we should get on, thanks for following along!Website: https://www.tylerloong.com/ KOTC All Accesshttps://www.youtube.com/channel/UCDiH-sjthLCovD8i79-AkWg/joinCode “KOTC” for insane discounts at: https://www.clubpickleballmastermind.com/kotcUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   0:00 Introduction 1:44 Club Pickleball Mastermind4:16 Club Pickleball Shop 4:43 Kitch Apparel 5:38 All Access 6:10 Masters Recap 23:09 C&D Pickleball Nets 24:47 Masters Recap Ctd. 48:52 MLP Changes 48:06 PPA Minnesota 54:59 PPA Junior League Story 57:54 Quang Đưong latest news 1:07:54 Vulcan and Stack Athletics 1:09:34 Q+ASupport the show

What happens when you have the ‘perfect’ corporate job at a top-tier firm with a clear path to partnership, but deep down, you feel a pull towards something else? For Alex Marks, the founder of New York’s cult-favourite ‘Sushi Counter’, that pull wasn’t just a distraction - it was the catalyst for trading a high-flying legal career for a world of total uncertainty. Before she was serving thousands of rolls a day, Alex was a successful M&A lawyer at the top-tier firm Herbert Smith Freehills. She loved the late nights, the adrenaline, and the "in the trenches" camaraderie. But a dream transfer to New York became the catalyst for her pivot when she faced an immediate culture clash. Realising the US corporate world was an "individual sport" she didn't want to play, Alex was faced with a choice: Stay in a job that wasn't a fit, or risk it all. She chose risk. Pouring her entire $100,000 USD life savings into an idea, she quit her job and, a week later, signed a lease for a tiny shop to sell the Australian-style sushi she couldn't find anywhere in the city. In this episode of Pivot Club, Sarah Davidson speaks with Alex about this massive industry leap. They unpack the "messy middle" of her entire journey: From the "primitive" Excel model that convinced her to take the leap, to the humbling reality of hand-filling 50,000 soy sauce fish with a syringe in her living room. Alex shares the unfiltered story of how she navigated intense online backlash just one week after opening and how she scaled from a team of one (plus a supportive boyfriend) to a staff of 30. Join us for a raw and practical lesson in naive optimism, a look into the grit required to build a business from the ground up and a powerful reminder that sometimes, the fear of regret is far scarier than the fear of failure. THE END BITS: Want more from Sarah Davidson? Check out her podcast Seize The Yay. Discover more Mamamia podcasts here. Feedback: podcast@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message, and one of our Podcast Producers will get back to you ASAP. Rate or review us on Apple by clicking on the three dots in the top right-hand corner, click Go To Show then scroll down to the bottom of the page, click on the stars at the bottom and write a review. CREDITS: Guest: Alex Marks Host: Sarah Davidson Executive Producer: Courtney Ammenhauser Senior Producer: Sally Best Audio Producer: Thom Lion This show was brought to you in partnership with Charles Sturt University. Australia's largest and most experienced online uni. Take the next step. Search Charles Sturt University online. Complete our short survey about education for for a chance to win a $1,000 gift voucher in our quarterly draw! https://survey.alchemer.com/s3/8467038/Ch Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures. Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Eric, Stacey, and Janet sit down to share some timely and fun topics, starting with Valentine's Day gift ideas to help you find something special for everyone on your list. They also talk about Fishing for Ducks tickets. Plus, the trio highlights ways to save with BBay Health & Wellness deals that help you feel good while keeping more money in your pocket.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In the Williams Broadcasting Studio join Jeff Mannix and John Williams for this weeks Boston Bruins Hockey update!!

In most companies, budget season is a predictable exercise in "incrementalism," taking last year's numbers and adding a 5% bump. But what happens when leadership drops a bomb and says, "This year, we start from zero"?In this episode of Corporate Finance Explained on FinPod, we explore Zero-Based Budgeting (ZBB), a high-stakes financial framework in which every dollar must earn its right to exist. We unpack the mechanics of ZBB, the "Save to Grow" mindset, and the cautionary tales of companies that saved themselves into obsolescence.ZBB vs. Traditional Budgeting: The Logic FlipThe fundamental difference between ZBB and the status quo is a shift in perspective:Traditional Budgeting: Asks, "How much more or less do we need than last year?" It is comfortable, based on precedent, and often hides "historical entitlement."Zero-Based Budgeting: Asks, "If we were building this function from scratch today, what would we actually fund?" It treats every expense as discretionary and requires a strategic justification for every line item.The Mechanics: Decision Packages and Tiered FundingThe core engine of a successful ZBB program is the Decision Package. Rather than funding a department, leadership funds specific activities using a three-tiered approach:Minimum Level: The "keep the lights on" spend. The bare minimum required for operations and regulatory compliance. Current Level: Business-as-usual spending. Enhanced Level: Discretionary funding for innovation, R&D, and new customer acquisition.This framework allows leadership to make strategic trade-offs. For example, funding a "minimum" level for administration to prioritize "enhanced" funding for revenue-driving marketing.Case Studies: The Scalpel vs. The AxeKraft Heinz (The Warning): Following a 2015 merger, the company applied a "ruthless" ZBB model. While margins shot up instantly, they cut too deeply into R&D and brand-building. The result was massive brand erosion and billions in write-downs. Unilever (The Blueprint): In response to market pressure, Unilever adopted a "Save to Grow" ZBB model. They targeted specific SG&A categories but "ring-fenced" strategic areas like innovation. Savings were immediately reinvested in the business, proving that ZBB can be a tool for growth, not just austerity.The Role of FP&A: From Scorekeeper to ArchitectWithout a strong Financial Planning & Analysis (FP&A) team, ZBB is just a spreadsheet exercise. In a ZBB environment, FP&A professionals must:Define Cost Drivers: Moving away from "last year's bill" to metrics like transaction volume or headcount.Assign Ownership: Ensuring the person who owns the activity is the one defending the spend.Differentiate Costs: Protecting "Change the Business" costs (future investments) from being swallowed by "Run the Business" costs (daily operations).

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Chrystal Hammer joins the show to help save YOU money for this IU National Championship Game!See omnystudio.com/listener for privacy information.

Andrew and Ben discuss where to place your high-yield savings and "The Great Healthcare Plan."Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

Send us a textIn this video, Jimmy and Tyler sit down with Devan Egan who is the founder of Club Pickleball Mastermind and they discuss why Club Pickleball Mastermind has been so successful. They also discuss some of the pitfalls new clubs face and what people can expect when looking to start their own club. Website: https://www.tylerloong.com/ Code “KOTC” for insane discounts at: https://www.clubpickleballmastermind.com/kotcKOTC All Accesshttps://www.youtube.com/channel/UCDiH-sjthLCovD8i79-AkWg/joinUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt0:00 Introduction 3:53 What Club Pickleball Mastermind is all about 7:07 Anecdote 9:34 Who are we for, What can you expect? 12:00 Mini Mastermind with Jimmy and Tyler 38:40 What is unique to Mastermind 39:00 Follow @clubpickleballusaSupport the show

#927: Join us as we sit down with Haley Sacks – American entrepreneur, financial educator, & one of the original financial influencers, widely known as "Mrs. Dow Jones." As the Founder & CEO of Finance Is Cool, Haley is redefining modern money conversations & breaks down the financial fundamentals that actually move the needle — from estate planning, building a real emergency fund, & paying off high-interest debt, to what your money should truly be prioritizing. In this episode, Haley gets candid about mastering negotiation skills, leveraging AI to work smarter with your finances, cultivating a healthy money mindset through intentional "money dates," & having the real conversation around whether you should get a prenup. Just because you're not rich yet, doesn't mean you can't be!   To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Haley Sacks "Mrs. Dow Jones" click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode.   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194.   This episode is sponsored by Betterhelp BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at http://BetterHelp.com/skinny.   This episode is sponsored by Nutrafol For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to http://Nutrafol.com and enter the promo code SKINNYHAIR   This episode is sponsored by Boll & Branch Get 15% off your first order plus free shipping at http://BollAndBranch.com/skinny with code SKINNY.    This episode is sponsored by Experian Get started with the Experian App now! Results will vary. Not all bills or subscriptions eligible. Savings not guaranteed. Paid membership with connected payment account required. See http://experian.com for details.   This episode is sponsored by Vurori Get 20% off your first order at http://vuori.com/skinny.   This episode is sponsored by Taylor Farms To learn more visit https://taylorfarms.com.    This episode is sponsored by Primal Kitchen  It's easier than ever to find Primal Kitchen Pure Avocado Oil because it's now available at Walmart. You can find Primal Kitchen in Walmart stores or online at Walmart.com and http://PrimalKitchen.com. Produced by Dear Media

According to YouGov, one of the top resolutions for 2026 is saving more money. While Jesse has issues with the concept of "saving" money as he has discussed in previous podcasts, the intention is still clear -- people want to get to a more stable financial position, which (for most) means more cash in the bank and less debt. Jesse also points out that consumer debt continues to hit all time highs, which leads to his approach to the question: should I build my savings or pay off debt?   Jesse urges folks to consider, why do they feel the need to reach for consumer debt in the first place? Reaching for debt regularly, especially pernicious forms of debt like credit cards and buy now, pay later programs, indicates that you aren't aware and in alignment with your true expenses -- the larger and less frequent expenses that you know will happen, but aren't regular monthly bills like rent or utilities. Auto maintenance is a classic example of true expenses -- you know you'll need oil changes, transmission fluid changes, new tires, etc. eventually, but it's not a regular monthly expense.   The trap many people fall into is throwing everything they have into debt payments, only to have a true expense pop up and no cash to pay for it. So they bring out the credit card and fall back into the same cycle that got them into debt in the first place. If you turn your attention away from paying off debt for a bit and instead focus on setting money aside for these true expenses, like tires, then you can reduce your need to rely on consumer debt to cover these. Just setting aside $50 or $100 a month toward these expenses can make you so much more financially resilient, that you no longer need debt and can now begin to pay off debt from a place of stability.   All of a sudden, you are planning and thinking about money like a YNABer!     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial  

The holiday decorations are down, but for many dental practice owners, the "New Year's Fog" is just setting in. Are you returning to the office feeling energized, or do you feel trapped in a repetitive cycle of burnout?In this episode, hosts Casey Hiers and Jarrod Bridgeman dive deep into the psychological and operational hurdles dentists face every January. They argue that "hope is not a strategy" and explain why relying on New Year's resolutions often leads to the same stagnant results. Stop running in circles and start moving toward a defined exit strategy. Tune in to learn how to empower yourself and your staff for a record-breaking year.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Host Jaclyn Zukerman Delory sits down with Julia Bucci, Assistant Vice President of Retail Banking at Hingham Institution for Savings, to explore her 10-year career path from teller to AVP, her community and nonprofit work, and practical banking advice for small businesses and new nonprofits. Julia also shares personal stories about coming out, pursuing an MBA in leadership, her approach to relationship-driven business development, and quick rapid-fire insights on leadership, confidence, and day-to-day life.

Send us a textWe're joined by Ron Brill, President and Chairman of the Board, and Kris Johnson, Chief Product Officer of Anglepoint, a global leader in software asset management. From their startup origins to tackling massive compliance challenges, we'll dive into the world of SAM, licensing, and what the future holds for optimizing IT assets – a conversation essential for anyone in this space.⏱️ Timestamps:01:38 Meet Ron Brill and Kris Johnson05:32 Deciding on Startup Roles07:32 The Ah-Ha Founding of Anglepoint12:03 Largest Challenges13:03 One Word to Encapsulate Anglepoint16:23 Anglepoint's Differentiation21:03 Gartner's Leadership Quadrant23:50 Licensing Skills25:17 Difficult Licensing Scenarios28:11 Clients Biggest Compliance Issues31:12 Unique Technology33:19 The Infamous Audit37:26 Trends in SAM41:40 Systems-based Token Consumption43:17 SAM Advice47:03 Anglepoint in 3 to 5 Years48:38 For Fun49:53 Right TalentConnect with our guests:LinkedIn: linkedin.com/in/ronbrillLinkedin.com/in/johnsonkristianWebsite: https://www.anglepoint.com/Want to be featured as a guest on Making Data Simple? Reach out to us at almartintalksdata@gmail.com and tell us why you should be next. The Making Data Simple Podcast is hosted by Al Martin, WW VP Technical Sales, IBM, where we explore trending technologies, business innovation, and leadership ... while keeping it simple & fun.

Send us a textWe're joined by Ron Brill, President and Chairman of the Board, and Kris Johnson, Chief Product Officer of Anglepoint, a global leader in software asset management. From their startup origins to tackling massive compliance challenges, we'll dive into the world of SAM, licensing, and what the future holds for optimizing IT assets – a conversation essential for anyone in this space.⏱️ Timestamps:01:38 Meet Ron Brill and Kris Johnson05:32 Deciding on Startup Roles07:32 The Ah-Ha Founding of Anglepoint12:03 Largest Challenges13:03 One Word to Encapsulate Anglepoint16:23 Anglepoint's Differentiation21:03 Gartner's Leadership Quadrant23:50 Licensing Skills25:17 Difficult Licensing Scenarios28:11 Clients Biggest Compliance Issues31:12 Unique Technology33:19 The Infamous Audit37:26 Trends in SAM41:40 Systems-based Token Consumption43:17 SAM Advice47:03 Anglepoint in 3 to 5 Years48:38 For Fun49:53 Right TalentConnect with our guests:LinkedIn: linkedin.com/in/ronbrillLinkedin.com/in/johnsonkristianWebsite: https://www.anglepoint.com/Want to be featured as a guest on Making Data Simple? Reach out to us at almartintalksdata@gmail.com and tell us why you should be next. The Making Data Simple Podcast is hosted by Al Martin, WW VP Technical Sales, IBM, where we explore trending technologies, business innovation, and leadership ... while keeping it simple & fun.

Print on demand isn't dead, but product choice matters more than ever. In this video, I show which POD products still sell in 2026 and how beginners can use Printify to sell on Amazon and Etsy.

Clement Manyathela speaks to Brenda van Zijl, who is the Founder and Financial Adviser at Verity Financial Services to understand how one can save optimally as the year starts. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

00:00 - Intro 00:23 - Savings with no end goal 02:09 - Avoiding all debt 03:38 - Playing defensive, all the time 05:47 - Waiting for certainty 07:08 - Treating income as an end goal 08:28 - Chasing discounts instead of increasing buying power 09:31 - Taking advice from people who aren't playing the same game Tools: Protect yourself online with NordVPN: https://www.nordvpn.com/alux Get a free audiobook when you sign up: https://www.alux.com/freebook Start an online store today: https://www.alux.com/sell Sell an online course: https://try.thinkific.com/f5rt2qpvbfokAlux.com is the largest community of luxury & fine living enthusiasts in the world. We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more, as the GO-TO destination for luxury content! Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today! SUBSCRIBE so you never miss another episode: https://goo.gl/KPRQT8 -- To see how rich is your favorite celebrity go to: https://www.alux.com/networth/ -- For businesses inquiries we're available at: https://www.alux.com/contact/

Send us a textWelcome to the KOTC Call in Show! In this conversation, KOTC speaks with the infamous one and only, Jim Kloss! —————————Website: https://www.tylerloong.com/ KOTC All Accesshttps://www.youtube.com/channel/UCDiH-sjthLCovD8i79-AkWg/joinUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesCode “KOTC” for insane discounts at: https://www.clubpickleballmastermind.com/kotcUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --Support the show

Send us a textIn this episode, Tyler and Jimmy talk about the upcoming tournament this week. It is the Masters in Palm Springs, all the players are decked out in whites and we are excited to see some new partnerships come to the surface. They go through the draws and their thoughts and predictions. They end with a Q+A from the fans - Let us know what we should cover on the pod in future episodes, thanks for following along!—————————Website: https://www.tylerloong.com/ Code “KOTC” for insane discounts at: Use Code ‘KOTC' for a great discount online at: clubpickleballshop.comclubpickleballmastermind.comUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Introduction 2:23 Club Pickleball Mastermind 4:56 Club Pickleball Shop5:27 Cameo 5:44 PPA Tournaments discount 5:54 PPA Masters preview 08:00 All Access Subscription 08:55 PPA Masters12:38 New Paddle Sponsors confirmed / More rumours… 18:33 C&D Pickleball Nets 19:12 Masters Draws Previewed.. 44:21 Stack Athletics 44:50 Tennis Stars in Pickleball 48:52 Vulcan 49:53 Q+ASupport the show

Caleb Guilliams & Chris Naugle ( @TheChrisNaugle ) showcase a brand new calculator that demonstrates the true value of whole life insurance compared to other assets. They then debate the true math behind buying cars using the infinite banking concept. 00:00 Introduction and Whole Life Insurance Misconceptions 01:17 Defining Infinite Banking Concept (IBC) 02:12 The Role of Whole Life Insurance in IBC 04:26 Insuring Your Greatest Asset (Ability to Earn) 06:08 Societal Shift and Lack of Selfless Thinking 09:31 Keys to Financial Success 11:11 Whole Life Insurance as an Efficient Asset 15:39 The Stigma of Whole Life Insurance 16:30 Whole Life Insurance is Not an Investment 17:39 Uninterrupted Compounding Interest 19:30 Competitive Growth and the Tax Advantage 30:45 Why Chris Naugle Uses IBC for Cars 37:05 Mathematical Debate on Loans and Savings 47:29 Personal Preference and Capital Movement 49:57 Alternative Strategies (Leasing) and Conclusion Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Forget speculation, what if DeFi could be the safest place to save?In this episode, I chat with Manny and Jamie, the founders of Blend, a DeFi savings platform focused on long-term wealth preservation and capital protection. They bring serious credentials, having worked on major crypto infrastructure like UMA and Across—and now they're building what they call the “global savings layer” for everyone, regardless of passport or currency.We dive deep into why DeFi's next big leap isn't about trading or yield farming, but offering real, safe financial tools to a global user base. From personalized FX hedging to cookie-jar level account isolation, Blend is rethinking everything about on-chain finance—and making it accessible even to your non-crypto friends.Whether you're a DeFi power user or just getting started, this episode will expand your view of what's possible in crypto today.

From the Williams Broadcasting Studio join John, Scott, Spencer and Marc for the Friday update of "In Th Pits"!

In 2066, the Democrats have achieved a liberal utopia in the United States. But can President Silas Winfield defend the status quo against Republican attacks on the Department of Savings? Chapo Trap House & Episode 1 present "How The West Was Wing" Starring Brendan James, Hasan Piker, Will Menaker, Felix Biederman, Matt Christman, Chris Wade, Raina Douris, Ryan Grim, Hesse Deni, Liz Franczak, Kath Krueger, Luke Savage, Molly Mary O'Brien, Amber Rollo, Amber Frost, Alex Branson, and Charles Austin. Written by Alex Branson and Charles Austin Edited by Charles Austin Artwork by The Average Joey

Ready? Buy Our Simplified Budget System Now!Enjoy Day 4 of our Money Makeover Bootcamp!Watch this episode here.Connect With Us:1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall"I love Shana & Vanessa and this podcast is amazing!"

In this episode, we speak with Rachel Gardner-Poole, GAIN steering group chair and sustainable aviation consultant at NATS, the UK's leading air traffic control provider. Gardner-Poole shares how GAIN (Green Aviation Insights Network) is bringing together air navigation service providers from around the world to optimise flight paths and reduce emissions using tools and insights that can deliver results today. She discusses:GAIN's dual purpose: A global collaboration of air navigation service providers (ANSPs) and a dashboard tool that measures airspace efficiency, enabling ANSPs to identify inefficiencies, benchmark performance by airline and route, and track CO2 emissions in real time.Why airspace efficiency matters now: Whilst SAF faces supply constraints and hydrogen aircraft remain years away, airspace optimisation can deliver immediate carbon savings. Breaking down communication barriers: How misaligned assumptions between airlines and air traffic controllers often lead to suboptimal flight paths, and how GAIN's data visualisation enables targeted conversations to unlock tactical savings.The founding members' impact: With five founding members helping shape the tool, GAIN could save over 450,000 tonnes of CO2 annually.Addressing greenwashing concerns: Unlike complex carbon credit schemes or predictive modelling, GAIN uses real, verifiable flight path data.Future expansion plans: The goal is to reach 40% of the world's 160 ANSPs by 2030, with potential features including non-CO2 effects like contrails, and partnerships with organisations across the aviation sector.If you LOVED this episode, you'll also love the conversation we had with Sian Andrews, SESAR Environmental Lead at NATS, who shares how air traffic management can reduce aviation's environmental impact. Check it out here. Learn more about the innovators who are navigating the industry's challenges to make sustainable aviation a reality, in our new book ‘Sustainability in the Air: Volume 2'. Click here to learn more.Feel free to reach out via email to podcast@simpliflying.com. For more content on sustainable aviation, visit our website green.simpliflying.com and join the movement. It's about time.Links & More:NATS Green Aviation Insights (GAIN) - NATS NATS and leading ANSPs unite to drive sustainable aviation through a novel data-driven insights tool - CANSONATS environmental initiative GAIN-ing momentum - Aviation Week Network  

Part 2 of 2:

Send us a textIn this episode, Tyler and Jimmy go through the new sponsors of the Pod. They talk about new paddle deals that are sparking rumours of where the players are heading next.. They end with a Q+A from the fans - Let us know what we should cover on the pod in future episodes, thanks for following along!—————————Website: https://www.tylerloong.com/ KOTC All Accesshttps://www.youtube.com/channel/UCDiH-sjthLCovD8i79-AkWg/joinUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesCode “KOTC” for insane discounts at: https://www.clubpickleballmastermind.com/kotcUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Introduction 3:46 Club Pickleball Mastermind 8:12 Club Pickleball Shop 9:43 Kitch Pickleball KOTC Merch10:50 Vulcan 10:52 Stack Athletics11:26 C&D Pickleball Nets 11:41 Cameo12:11 ALL ACCESS Pass 16:54 Paddle Wars / New Contracts 47:44 Junior Pickleball vs. Junior Tennis 51:20 Contract Suspensions/Terminations 56:34 Q&ASupport the show

John Pajak sits down with Mike Garvey from the Side Hustle Squad Podcast to talk about using the off-season the right way. They cover getting prepay campaigns organized early, structuring a new branch without reinventing the wheel, and why Relay-style "money buckets" can give you clarity at a glance. Then they shift into a practical year-end audit mindset, insurance resets, trimming unused subscriptions, and questioning "standard" pricing before it drains your profit. A tactical, funny, and real-world conversation to help you head into 2026 with less chaos and more control. Comments and Questions are welcome. Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser.  Relay Relay is small business banking that puts you in complete control of what you are earning, spending, and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Equip Expo 2026 Tickets: https://plus.mcievents.com/EquipExpo2026?RefId=PAJAK Upcoming Events:   Show Partners: Yardbook Simplify your business and be more profitable. Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you are earning, spending, and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/   Green Frog Web Design Get your first month for only $1 when you use code, PAJAK, and have your website LIVE in 3 weeks from projected start date or it is FREE for a year. https://www.greenfrogwebdesign.com/johnpajak My Service Area "Qualify Leads Based on Your Profitable Service Area." Click on this link for an exclusive offer for being a "Profits with Pajak" listener. https://myservicearea.com/pajak   Training and Courses Budgets, Breakevens, and Bottom Lines™ Workshop John Pajak's exclusive system is designed to help you avoid common failures and achieve your business' financial goals to be profitable and scale your business. https://www.johnpajak.com/offers/qvgvV8m3/checkout   Yardbook Training Workshops Learn one-on-one with John Pajak to use Yardbook like a pro to streamline your business and make more money! https://www.johnpajak.com/offers/aJ9YX7aB/checkout

In this episode, Andy Constan joins the show to break down why markets may be leaving the Fed-driven era behind, how private credit and bank balance sheets are becoming the real engine of growth, and what massive AI and onshoring investments mean for rates, risk, and the business cycle going forward. Enjoy! __ Follow Andy: https://x.com/dampedspring Follow Felix: https://x.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ Forward Guidance Telegram: https://t.me/+CAoZQpC-i6BjYTEx __ Grayscale offers more than 30 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. https://www.grayscale.com/?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-forwardguidance — Timestamps: (00:00) Introduction (01:14) The Shift From The Fed To Private Credit (05:50) Push Vs Pull Demand For Credit (08:47) Grayscale Ad (09:25) Money Vs Credit (17:28) The Loop Of Spending & Savings (27:04) Grayscale Ad (27:51) Is The New Credit Flywheel A Policy Choice? (32:00) Impact On Investment & Consumption (35:19) Moving Back To A Traditional Business Cycle (38:52) Historical Disruptions Vs Today (44:05) Do Assets Go Higher In This New Regime? (53:04) Foreign Capital Flows & Trade Deficits (01:01:47) Final Thoughts __ Disclaimer: Nothing said on Forward Guidance is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed. #Macro #Investing #Markets #ForwardGuidance

In the Williams Broadcasting Studio join Jeff Mannix and John Williams for this weeks "Boston Bruins Diehards" update!!

The holiday season often shines a spotlight on the heavy burden dental practice owners carry. Casey Hiers and Jarrod Bridgeman dive into why so many clinicians fall into a "Stockholm syndrome" mindset—feeling trapped by the belief that they must handle every business and clinical task themselves.The guys discuss how a lack of delegation leads to burnout and why being vulnerable about your professional challenges is actually the first step toward true profitability. They also challenge you to audit your inner circle: Is your CPA or accountant actually helping you grow, or are they just along for the ride?Forget vague resolutions. This episode focuses on strategic planning and making the incremental changes necessary to reclaim your time and boost your bottom line in the new year.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport 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 Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

On today's solo episode, I'm back with Part Three of my 2026 Glow Up Series, breaking down the real business playbook for building a scalable brand. We talk about self-funding vs. raising capital, different funding rounds, how to get clear on what you actually need to start, and why staying scrappy early can be a major advantage. I also cover brand growth—how to build your Instagram as a founder, create content that resonates, network smarter, and move through imposter syndrome—plus key lessons from brands like Rhode, Good Girl Snacks, TYB, and Jacquemus. If you're building a brand in 2026 and want to do it intentionally, this episode is for you. Enjoy!To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Visit durable.com/dream and get started with Durable for free today. When you're ready to publish your website, use code DREAMBIGGER for 30% off all plans.Set your best health goals in motion. Access 20% off and begin your journey toward sustained wellness today at Piquelife.com/dreambigger/ That's piquelife.com/dreambigger.This year, make one change you can actually stick with. Visit Rula.com/dreambigger to get started. That's Rula.com/dreambigger – mental healthcare that's actually built to last.Get started with the Experian App now! Results will vary. Not all bills or subscriptions eligible. Savings not guaranteed. Paid membership with connected payment account required. See experian.com for details.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3412: Christina Browning offers a realistic yet hopeful roadmap for those in their 40s, 50s, or 60s who haven't started saving for retirement. By focusing on smart budgeting, strategic investing, income awareness, and practical lifestyle changes, she shows how late starters can still build financial security and achieve retirement peace of mind. Read along with the original article(s) here: https://www.ourrichjourney.com/post/older-and-dont-have-a-retirement-plan-do-this Quotes to ponder: "You can't borrow or get a loan for your retirement, but your children can for their education." "When you're dealing with retirement accounts when you're older, age is actually an advantage for you." "Remain hopeful about your situation because financial independence is possible even when you're starting late!" Episode references: Social Security Administration: https://www.ssa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

You're closer to a breakthrough than you think.   Luke and Josh coach three very different agents through three very real problems. Jean asks how to recruit agents to her small brokerage, Naquata wants to know how to make the most of 20–25 hours a week as a part-time agent, and Stefan calls in after burning through his savings with one month left to survive.     Stay Paid hosts breaks down recruiting funnels, sphere-first strategy, activity levels, masterminds, prospecting blocks, and what it actually takes to break through when you feel like quitting. If you're growing, rebuilding, or barely hanging on, this episode will meet you where you are.   Key Takeaways: What to do when you're struggling to recruit agents Mentorship is good but not unique — every broker claims it Create a recruiting funnel the same way agents create a sphere funnel The 3 E's of agent content: Education, Entertainment, Endearmeny Your 100-person sphere is the foundation — call all of them 65% of listings and 56% of buyers come from relationships Every hour must go to: Prospecting, Sphere, Open Houses, Conversations You must track actual conversations, not just time spent Schedule 4 hours/day of phone time Ask sphere for referrals TODAY Success = increased intensity + structure + accountability   ⁉️ Do YOU have a question you'd like us to answer on air? Send us an email at Podcast@ReminderMedia.com or shoot us a DM on Instagram https://www.instagram.com/staypaidpodcast 

Objective of the Plan Lower healthcare costs for Americans. Extend expiring ACA subsidies temporarily while transitioning to a new system. Shift financial benefits from insurance companies to individuals. Proposed Measures Two-year extension of Enhanced Premium Tax Credits (originally expanded during COVID-19). Income eligibility cap for subsidies at 700% of the federal poverty line to prevent wealthy Americans from benefiting. Minimum premium payments to ensure cost-sharing. Encourage Health Savings Accounts (HSAs) and direct tax credits to individuals rather than insurers. Push for cost-sharing reductions that were previously blocked in Congress. Financial Impact Congressional Budget Office (CBO) estimates reforms could: Lower premiums by 12.7%. Save taxpayers $30.8 billion. Criticism of ACA for being “unsustainable” and increasing premiums by 80% since passage. Political Context Democrats opposed previous Republican attempts to include cost-sharing reductions in legislation. Debate over whether reforms should be bipartisan or passed via budget reconciliation. Trump emphasizes “power to the people” by allowing individuals to control healthcare spending. Underlying Philosophy There is a strong focus on consumer choice and freedom. Opposition to government-managed healthcare and subsidies flowing to insurance companies. A belief that direct-to-consumer funding will reduce corruption and lower costs. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Here's an SEO-optimized episode description for The Shallow End, written to perform well on Apple Podcasts, Spotify, and Google Podcasts while matching the tone of the episode and the show's brand: As 2025 limps toward the finish line, The Shallow End with Schnebly and Toth dives headfirst into a fresh batch of gloriously bad decisions, near-miss disasters, and criminal incompetence you truly have to hear to believe. The episode opens with a painfully relatable moment of modern panic: losing your phone… while actively talking on it. From there, things escalate quickly with a near-catastrophic kitchen mistake involving a laptop and a microwave (spoiler: MacBooks are not microwave-safe). But the real headline story comes out of small-town Ohio, where an ordinary bank drive-through transaction turns into one of the dumbest criminal stories of the year. A man accidentally sends methamphetamine through a pneumatic bank tube, triggering a sheriff's department response, a canine alert, and instant internet infamy. No getaway plan. No criminal mastermind. Just a jaw-dropping lapse in attention that lands him squarely in Shallow End legend. The episode also features listener-submitted stories, including a Florida man who attempts yard work with a sword and accidentally enters a real-life medieval snake encounter, plus a stunning double-whammy crime story involving COVID relief fraud, a stolen U-Haul van, and a defendant who shows up for federal court already in handcuffs. If you enjoy true dumb criminal stories, real news absurdity, and laugh-out-loud moments fueled by human error, this episode delivers. It's a reminder to double-check what's in your pockets, return your rental vehicles on time, and for the love of all that's holy—don't mail illegal drugs to a bank. The Shallow End is where bad ideas float, good judgment sinks, and the stories are always true. Learn more about your ad choices. Visit megaphone.fm/adchoices

#676: Ally:How can I optimize my asset allocation and Roth contributions now that I'm over $1 million in assets? I'm 45, single, never married, with about $1.2 million in assets. Roughly $100,000 is in stocks, which might scare some people. Here's my breakdown: Vanguard brokerage account: VTSAX $132,000, ISCV $5,000, VOO $5,000 Vanguard Rollover IRA: VTSAX $65,000, IVV $25,000, VOO $62,000 Vanguard Roth IRA: VTSAX $228,000, ISCV $6,000 Pre-tax 401(k): Active stock fund $218,000 (0.01% expense ratio), Equity dividend fund $55,000 (0.01% expense ratio) Russell 1000: $270,000 (0% expense ratio) HSA: $9,000 in the Russell 1000 and Russell 2000 ESPP: $90,000 Savings account: $12,000 I view my brokerage accounts as savings, where I can sell assets if I need cash, as well as sell my company shares. My questions: How far am I from the efficient frontier? How efficient is my asset allocation? I've mostly been a “VTSAX and chill” type. If I rebalance, what's the best way to do it without incurring taxes? Next year, I'll make more than $150,000, even after contributing $24,500 to my pre-tax 401(k) in 2026. Can I still do a backdoor Roth, given that I already have an IRA balance? I was told it could be complicated. Am I out of luck investing in a Roth next year? Also, should I roll over my 401(k) into my existing Rollover IRA to gain more investment options, even though the 401(k) fees are very low? I've reached over $1 million in assets, but I'm not confident my first million was invested efficiently. I want to correct it before reaching my next million. Emma: Can We Split a Dependent's Tax Status Midyear to Maximize Health Insurance Subsidies? We're a family of four with two adults and two children, ages 15 and 21. Our 21-year-old is a full-time university student and is expected to graduate in May 2026. The hope is that she'll secure a full-time job after graduation. Our health care broker told us that we could claim her as a dependent for half of the year and then have her claim herself for the second half. According to the broker, this would allow her to stay on our health insurance and help us qualify for a larger premium subsidy. Is it actually possible to split a dependent's tax status this way within a single year, or is this a misunderstanding? Anonymous: Is It Wise to Hold Some Investments Outside the U.S. for Geopolitical Diversification? I've always believed that “this time isn't different,” but lately I'm feeling uneasy. I'm increasingly concerned about what seems like a slow erosion of institutional trust in the U.S., especially regarding agencies and structures that support our financial system. From leadership changes at key government institutions to growing political influence over economic policy, I'm starting to wonder if it's prudent to hold a small portion of assets physically and legally outside the U.S. I'm not talking about exotic offshore schemes. I mean legitimate ways to invest in broad index funds or ETFs through a brokerage account based abroad—as a form of geopolitical diversification and personal contingency planning. I'd love to hear your perspective. Learn more about your ad choices. Visit podcastchoices.com/adchoices