Podcasts about td bank

In this episode, host Jim Love conducts a captivating interview with Licenia Rojas, Senior Vice President and Chief Architect at TD Bank. Licenia shares her journey from high school to becoming a leader in technology and architecture, highlighting the importance of mentorship, authenticity, and continuous learning. They discuss the evolving role of architecture, the transformative impact of technologies like AI, and the need for human-centric innovation. Licenia also offers practical advice for career growth and the significance of cultivating an inclusive and productive work culture. The conversation provides valuable insights for both early-career individuals and seasoned professionals. 00:00 Introduction to the Interview Series 01:24 Meet Licenia Rojas: Career Journey and Early Influences 02:22 Discovering a Passion for Technology 04:29 The Importance of Continuous Learning and Mentorship 05:31 Navigating Career Transitions and Embracing New Roles 07:53 The Role of Curiosity and Asking Questions 10:17 Creating an Inclusive Culture and Encouraging Voices 13:08 The Significance of Workplace Culture 14:56 Current Role and Responsibilities at TD Bank 16:30 The Evolution and Importance of Architecture in Technology 21:11 Understanding the Risk Framework 21:54 Linking Outcomes with Technology 22:35 Defining and Achieving 'Good' 24:20 Customer-Centric Innovation 26:27 Employee Engagement and Idea Implementation 28:19 Overcoming Cynicism in Tech 31:22 Exciting Technologies Beyond AI 32:46 Balancing Security and Innovation 38:37 Advice for Aspiring Technologists 41:46 Conclusion and Final Thoughts

In this captivating interview, host Jim Love sits down with Licenia Rojas, Senior Vice President and Chief Architect at TD Bank. They discuss Licenia's journey in the technology sector, the importance of mentorship, and the role of continuous learning in career development. The conversation also delves into evolving topics such as cybersecurity, AI innovation, and the increasingly pivotal role of architecture in modernizing financial institutions. Whether you're early in your career or a seasoned professional, this episode offers authentic and practical advice on navigating the tech industry. 00:00 Introduction to the Interview Series 01:25 Meet Licenia Rojas: Career Journey and Early Influences 02:35 Discovering a Passion for Technology 04:43 The Importance of Continuous Learning and Mentorship 05:44 Navigating Career Transitions and Embracing New Roles 08:06 The Role of Curiosity and Asking Questions 13:24 The Value of Company Culture 15:09 Current Role and Responsibilities at TD Bank 17:08 The Evolution and Importance of Architecture in Technology 21:23 Understanding the Technology Life Cycle 22:48 Defining and Achieving Good Outcomes 24:34 Customer-Centric Innovation 26:40 Encouraging Employee Ideas and Feedback 28:34 Overcoming Cynicism in Tech Teams 31:35 Exciting Emerging Technologies 35:57 The Role of AI in Enhancing Productivity 38:50 Advice for Aspiring Technologists 41:59 Conclusion and Final Thoughts

In this episode of Welcome to Cloudlandia, we start by unraveling the intriguing concept of global time zones. We humorously ponder the idea of a unified world clock, inspired by China's singular time zone. The discussion expands to how people in countries like Iceland adapt to extreme daylight variations and the impact of climate change narratives that often overlook local experiences. We then explore the power of perception and emotion in shaping our reactions to world events. The conversation delves into how algorithms on platforms shape personal experiences and the choice to opt out of traditional media in favor of a more tailored information stream. The shift from curated media landscapes to algorithm-driven platforms is another key topic, highlighting the challenges of navigating personalized information environments. Finally, we tackle the critical issue of government financial accountability. We humorously consider where vast sums of unaccounted-for money might go, reflecting on the importance of financial transparency. SHOW HIGHLIGHTS In the episode, Dan and I explore the concept of a unified global time zone, drawing inspiration from China's singular time zone. We discuss the potential advantages and disadvantages of such a system, including the adaptability of people living in areas with extreme daylight variations like Iceland. We delve into the complexities of climate change narratives, highlighting how they often lack local context and focus on global measurements, which can lead to stress and anxiety due to information overload without agency. The power of perception and emotion is a focal point, as we discuss how reactions are often influenced by personal feelings and past experiences rather than actual events. This is compared to the idealization of celebrities through curated information. Our conversation examines the shift from curated media landscapes to algorithm-driven platforms, emphasizing how algorithms shape personal experiences and the challenges of researching topics like tariffs in a personalized information environment. We discuss the dynamic between vision and capability in innovation, using historical examples like Gutenberg's printing press to illustrate how existing capabilities can spark visionary ideas. The episode explores the complexities of international trade, particularly the shift from tangible products to intangible services, and the challenges of tracking these shifts across borders. We address the issue of government financial accountability, referencing the $1.2 trillion unaccounted for last year, and the need for financial transparency and accountability in the current era. Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dean: Mr Sullivan. Dan: Yes, and I forgot my time zones there almost for a second. Are you in Chicago? Yeah, you know. Why can't we just all be in the same time zone? Dean: Well. Dan: I know that's what China does. Yeah, Well, that's a reason not to do it. Then you know, I learned that little tidbit from we publish something and it's a reason not to do it. Dean: then that was. You know I learned that little tidbit from. We publish something and it's a postcard for, you know, realtors and financial advisors or business owners to send to their clients as a monthly kind of postcard newsletter, and so every month it has all kinds of interesting facts and whatnot, and one of them that I heard on there is, even though China should have six time zones, they only have one. That's kind of an interesting thing. Imagine if the. United States had all one time zone, that would be great. Dan: Yeah, I think there would be advantages and disadvantages, regardless of what your time system is. Dean: Well, that'd be like anything really, you know, think about that. In California it would get light super early and we'd be off a good dock really early too we'd be off and get docked really early too. Yeah, I spent a couple of summers in Iceland, where it gets 24 hours of light. Dan: You know June 20th and it's. I mean, it's disruptive if you're just arriving there, but I talked to Icelanders and they don't really think about it. It's, you know, part of the year it's completely light all day and part of the year it's dark all day. And then they've adjusted to it. Dean: It happens in Finland and Norway and Alaska. We're adaptable, dan, we're very adaptable. Dan: And those that aren't move away or die. Dean: I heard somebody was talking today about. It was a video that I saw online. They were mentioning climate change, global warming, and that they say that global warming is the measurement is against what? Since when? Is the question to ask, because the things that they're talking about are since 1850, right, it's warmed by 0.6 degrees Celsius since 1850. We've had three periods of warming and since you know, the medieval warming and the Roman warming, we're actually down by five degrees. So it's like such a so when somebody says that we're global warming, the temperature is global warming and the question is since when? That's the real question to ask. Dan: Yeah, I think with those who are alarmist regarding temperature and climate. They have two big problems. They're language problems, Not so much language, but contextual problems. Nobody experiences global. That's exactly right. The other thing is nobody experiences climate. What we experience is local weather. Dean: Yes. Dan: Yeah, so nobody in the world has ever experienced either global or climate. You just experience whatever the weather is within a mile of you you know within a mile of you. That's basically and it's hard to it's hard to sell a theory. Dean: That, you know. That ties in with kind of the idea we were talking about last week that the you know, our brains are not equipped, we're not supposed to have omniscience or know of all of the things that are happening all over the world, of all of the things that are happening all over the world, where only our brains are built to, you know, be aware of and adapt to what's happening in our own proximity and with the people in our world. Our top 150 and yeah, that's what that's the rap thing is that we're, you know, we're having access to everybody and everything at a rate that we're not access to everybody and everything at a rate that we're not supposed to Like. Even when you look back at you know, I've thought about this, like since the internet, if you think about since the 90s, like you know, my growing up, my whole lens on the world was really a, you know, toronto, the GTA lens and being part of Canada. That was really most of our outlook. And then, because of our proximity to the United States, of course we had access to all the US programming and all that stuff, but you know, you mostly hear it was all the local Buffalo programming. That was. They always used to lead off with. There was a lot of fires in Tonawanda, it seemed happening in Buffalo, because everything was fire in North Tonawanda. It still met 11. And that was whole thing. We were either listening to the CBC or listening to eyewitness news in Buffalo, yeah. But now, and you had to seek out to know what was going on in Chicago, the only time you would have a massive scale was happening in Chicago. Right, that made national news the tippy top of the thing. Dan: Yeah, I wonder if you said an interesting thing is that we have access to everyone and everything, but we never do it. Dean: It's true we have access to the knowledge right Like it's part of you know how, when you I was thinking about it, as you know how you define a mess right as an obligation without commitment that there's some kind of information mess that we have is knowledge without agency? You know we have is knowledge without agency. You know we have no agency to do anything about any of these bad things that are happening. No, it's out of our control. You know what are we going to do about what's happening in Ukraine or Gaza or what we know about them? You know, or we know, everybody's getting stabbed in London and you know you just hear you get all these things that fire off these anxiety things triggers. It's actually in our mind, yeah that's exactly right, that our minds with access to that. That triggers off the hormone or the chemical responses you know that fire up the fight or flight or the anxiety or readiness. Dan: Yeah, it's really interesting. I've been giving some thought to well, first of all, the perception of danger in the world, and what we're responding to is not actual events. What we're responding to is our feelings. Yes, that's exactly right, yeah. You've just had an emotional change and you're actually responding to your own emotions, which really aren't that connected to what actually triggered your emotions. You know it might have been something that happened to you maybe 25 years ago. That was scary and that memory just got triggered by an event in the world. Dean: Yeah. Dan: Yeah, and the same thing with celebrity. Celebrity because I've been thinking about celebrity for quite a long time and you know, each of us you and I, to a certain extent are a celebrity in certain circles, and what I think is responsible for that is that they've read something or heard something or heard somebody say something that has created an image of someone in their mind, but it's at a distance, they don't actually meet you at a distance. And the more that's reinforced, but you never meet them the image of that person gets bigger and bigger in your mind. But you're not responding to the person. You're responding just to something that you created in your mind. Dean: I think part of that is because you know if you see somebody on video or you hear somebody on audio or you see them written about in text, that those are. It's kind of residue from you know it used to be the only people that would get written about or on tv or on the radio were no famous people yeah, famous, and so that's kind of it. I think that the same yeah, everybody has access to that. Now Everybody has reach. You know to be to the meritocracy of that because it used to be curated, right that there was some, there were only, so somebody was making the decision on who got to be famous. Like that's why people used to really want to own media. Like that's why people used to really want to own media. That's why all these powerful people wanted to own newspapers and television and radio stations, because they could control the messaging, control the media. You know? Dan: Yeah, it's really interesting. Is it you that has the reach, or someone else has reach that's impacting you? Dean: Yeah, I mean I think that we all have it depends on whether you're on the sending end or the receiving end of reach. Yeah, like we've seen a shift in what happens, like even in the evolution of our ability to be able to consume. It started with our ability to consume content, like with all of those you know, with MP3s and videos, and you know, then YouTube was really the chance for everybody to post up. You know you could distribute, you had access to reach, and in the last 10 years, the shift has been that you had to in order to have reach, you had to get followers right. That were people would subscribe to your content or, you know, like your content on Facebook or be your friend or follower, and now we've shifted to every. That doesn't really matter. Everything is algorithmic now. It's like you don't have to go out and spread the word and gather people to you. Your content is being pushed to people. That's how Stephen Paltrow can become, can reach millions of people, because his content is scratching an itch for millions of people who are, you know, seeking out fertility content, content, and that is being pushed to you. Now, that's why you're it's all algorithm based, you know, and it's so. It's really interesting that it becomes this echo chamber, that you get more of what you respond to. So you know you're get it. So it's amazing how every person's algorithm is very different, like what shows up on on things, and that's kind of what you've really, you know, avoided is you've removed yourself from that. You choose not to participate, so you're the 100%. Seek out what you're looking for. It's not being dictated to you. Dan: Not quite understanding that. Dean: Well you have chosen that you don't watch news. You don't participate in social media. You don't have an Instagram or anything like that where they're observing what you're watching and then dictating what you see next. You are an active like. You go select what you're going to watch. Now you've chosen real clear politics as your curator of things, so that's the jump. Dan: Peter Zion. Dean: But you're self-directing your things by asking. You're probably being introduced to things by the way. You interact with perplexity by asking it 10 ways. This is affecting this or the combination of this and this. Dan: Yeah, I really don't care what perplexity, you know what it would want to tell me about. Dean: You just want to ask, you want to guide the way it responds. Yeah yeah, and that's very it's very powerful. Dan: It's very powerful. I mean, I'm just utterly pleased with what perplexity does for me. You know like you know, I just considered it. You know an additional capability that I have daily, that you know I can be informed in a way that suits me, like I was going over the tariffs. It was a little interesting on the tariff side because I asked a series of questions and it seemed to be avoiding what I was getting at. This is the first time I've really had that. So I said yeah, and I was asking about Canada and I said what tariffs did Canada have against the United States? I guess you can say against tariff, against before 2025. And it said there were no retaliatory tariffs against the United States before 2025. And I said I didn't ask about retaliatory tariffs, I asked about tariffs, you know. And that said, well, there were no reciprocal tariffs before 2025. And I said, no, I want to know what tariffs. And then this said there was softwood and there was dairy products, and you know. I finally got to it. I finally got to it and I haven't really thought about it, because it was just about an hour ago that I did it and I said why did it avoid my question? I didn't. I mean, it's really good at knowing exactly what you're saying. Why did it throw a couple of other things in there? Dean: Yeah, misdirection, right, or kind of. Maybe it's because what, maybe it's because it's the temperature. You know of what the zeitgeist is saying. What are people searching about? And I think maybe those, a lot of the words that they're saying, are. You know, the words are really important. Dan: Not having a modifier for a tariff puts you in a completely different, and those tariffs have been in place for 50 or 60 years. So the interesting thing about it. By the way, 50 countries are now negotiating with the United States to remove tariffs how interesting. And he announced it on Wednesday. Dean: Yeah. Dan: He just wanted to have a conversation with you and wanted to get your attention. Dean: Yeah, wanted to get your attention. Yeah, have your attention, yeah, okay, let's talk about this. Dan: Yeah and everything. But other than that, I'm just utterly pleased with what it can do to fashion your thoughts, fashion your writing and everything else. I think it's a terrific tool. Dean: I've been having a lot of conversations around these bots. Like you know, people are hot on creating bots now like a Dan bot. Creating bots now like a Dan bot. Like oh Dan, you could say you've got so many podcasts and so much content and so many recordings of you, let's put it all in and train up Dan bot and then people could ask they'd have access to you as an AI. Dan: Yeah, the way I do it. I ask them to send me a check and then they could. Dean: But I wonder the thing about it that most of the things that I think are the limitations of that are that it's not how to even take advantage of that, because they don't know what you know to be able to, of that. Because they're bringing it, they don't know what you know to be able to access that you know and how it affects them you know. I first I got that sense when somebody came. They were very excited that they had trained up a Napoleon Hill bot and AI and you can ask Napoleon anything and I thought, thought you know, but people don't know what to ask. I'd rather have Napoleon ask me questions and coach me. You know like I think that would be much more useful is to have Napoleon Hill kind of ask me questions, engage where I am and then make you know, then feed me his thinking about that. If the goal is to facilitate change, you know, or to give people an advantage, I don't know. It just seems like we're very limited. Dan: I mean, you know, my attitude is to increase the engagement with people I'm already engaged with. Yeah, like I don't feel I'm missing anyone, you know? I never feel like I'm missing someone in the world you know, or somehow my life is deficient because I'm not talking to 10 times more people that I'm talking to now, because I'm not really missing anything. I'm fully engaged. I mean, eight different podcast series is about the maximum that I can do, so I don't really need any. But to increase the engagement of the podcast, that would be a goal, because it's available. I don't. I don't wish for things, that is, that aren't accessible you know, and it's very interesting. I was going to talk to you about this subject, but more and more I've got a new tool that I put together. I don't think you have vision before you have capability. Okay, say more Now. What I mean by that is think of a situation where you suddenly thought hey, I can do this new thing. And you do the new thing and satisfy yourself that it's new and it's useful, and then all of a sudden your brain says, hey, with this new thing, you can do this, you can do this, you can do this, do this, you can do this, you can do this. And my sense is the vision of that you can do this is only created because you have the capability. Dean: It's the chicken and the egg. Dan: Yeah, but usually the chicken is nearby. In other words, it's something you can do today, you can do tomorrow, but the vision can be yours out. You know the vision, and my sense is that capabilities are more readily available than vision. Okay, and I'm making a distinction here, I'm not seeing the capability as a vision, I'm seeing that as just something that's in a very short timeframe, maybe a day, two days, you know, maximum I would say is 90 days and you achieve that. You start the quarter. You don't have the capability. You end the quarter you have the capability. Dean: And once you have that capability. Dan: all of a sudden, you can see a year out, you can see five years out. Dean: I bet that's true because it's repeatable, maybe out. Dan: I bet that's true because it's repeatable, maybe, so my sense is that focusing on capability automatically brings vision with it. Dean: Would you say that a capability? Let's go all the way back to Gutenberg, for instance. Gutenberg created movable type right and a printing press that allowed you to bypass the whole scribing. You know, economy or the ecosystem right, all these scribes that were making handwritten copies of things. So you had had a capability, then you could call that right. Dan: Well, what it bypassed was wood printing, where you had to carve the letters on a big flat sheet of wood and it was used just for one page containers and you could rearrange the letters in it and that's one page, and then you take the letters out and you rearrange another page. I think what he did, he didn't bypass the, he didn't bypass the. Well, he bypassed writing, basically you know because the monks were doing the writing, scribing, inscribing, so that bypassed. But what he bypassed was the laborious process of printing, because printing already existed. It's just that it was done with wood prints. You had to carve it. You had to have the carvers. The carvers were very angry at Gutenberg. They had protests, they had protests. They closed down the local universities. Protests against this guy, gutenberg, who put all the carvers out of work. Yeah, yeah, so, yeah. Dean: So then you have this capability and all of a sudden, europe goes crazy take vision and our, you know, newly defined progression of vision from a proposition to proof, to protocol, to property, that, if this was anything, any capability I believe has to start out with a vision, with a proposition. Hey, I bet that I could make cast letters that we could replace carving. That would be a proposition first, before it's a capability, right. So that would have to. I think you'd have to say that it all, it has, has to start with a vision. But I think that a vision is a good. I mean capabilities are a good, you know a good catalyst for vision, thinking about these things, how to improve them, what else does this, all the questions that come with a new capability, are really vision. They're all sparked by vision, right? Yeah, because what would Gutenberg? The progress that Gutenberg have to make is a proposition of. I bet I could cast individual letters, set up a little template, arrange them and then duplicate another page, use it, have it reusable. So let's get to work on that. Dan: And then he proved. Dean: The first time he printed a page he proved that, yeah, that does work. And then he sets up the protocol for it. Here's how we'll do it. Here's how. Here's the way we make these. Here's the molds for all these letters. He's created the protocol to create this printing press, the, the press, the printing press, and has it now as a capability that's available yeah well, we don't know that at all. Dan: We don't know whether he first of all. We have no knowledge of gutenberg, except that he created the first movable type printing press. Dean: Somebody had to have that. It had to start with the vision of it, the idea. It didn't just come fully formed right. Somebody had to have the proposition. Dan: Yeah, yeah, we don't know. We don't know how it happened. He know he's a goldsmith, I mean, that was so. He was used to melding metals and putting them into forms and you know, probably somebody asked him can you make somebody's name? Can you print out? You know, can you print a, d, e, a and then N for me? And he did that and you know, at some point he said oh, oh, what if I do it with lead? What if? I do it with yeah, because gold is too soft, it won't stand up. But right, he did it with lead. Maybe he died of lead poisoning really fast, huh yeah, that's funny, we don't know, yeah, yeah, I think the steel, you know iron came in. You know they melted iron and everything like that, but we don't know much about it. But I'll tell you the jump that I would say is the vision is that Martin Luther discovers printing and he says you know, we can bypass all the you know, control of information that the Catholic Church has. Now that's a vision. That's a vision Okay. That's a vision, okay, but I don't think Gutenberg had that. I mean, he doesn't play? Dean: Definitely yeah, yeah, I know I think that any yeah, jumping off the platform of a capability. You know what my thought is in terms of the working genius model, that that's the distinction between wonder and invention. That wonder would be wonder what else we could do with this, or how we could improve this, or what this opens up for us. And invention might be the other side of creating something that doesn't exist. Dan: I mean, if you go back to our London, you know our London encounter, where we each committed ourselves to writing a book in a week. Dean: Yes. Dan: You did that, I did that. And then my pushing the idea was that I could do 100 books in 100 quarters. Dean: Yeah, exactly. Dan: Yeah, I mean, that's where it came from. I says, oh, you can create a book really fast to do that. And then I just put a bigger number and so I stayed within the capability. I just multiplied the number of times that I was going to do the capability. So is that a vision, or is that? What is that? Is that a vision? A hundred books, well, not just a capability right. Dean: I think that the fact that you, we both had a proposition write a book and we both then set up the protocols for that, you set up your team and your process and now you've got that formula. So you have a capability called a book, a quarter for 25 years you know that's definitely in the, that that's a capability. Now it's an asset your team, the way that you do it, the formatting, the everything about it. But the vision you have to apply a vision to that capability. Hamish isn't going to sit there and create cartoons out of nothing. Create cartoons out of nothing. You've got to give the idea. The vision is I bet I could write a book on casting, not hiring, how I'm planning on living to 156. So you've got your applying vision against that capability, yeah. Dan: It's interesting because I don't go too far out of the realm of my capabilities when I project into the future. Yeah, so, for example, we did the three books with Ben Hardy, you know and great success, great success. And then we were going further and Hay House, the publisher, started to call us, you know, after we had written our last book in 23, around the beginning of 20, usually six months after. They want to know is there another book coming? Because they're filling up their forward schedule and they do about 90 books and they do about 90 books a year. And so they want to know do we have another one from you? And we said no not really. But then when I did Casting Not Hiring as a small book, and I did Casting Not Hiring as a small book to write a small book, in other words, I'd committed myself to 100 books and this was number 38. I think this was in the 38th quarter. And then Jeff Madoff and I were talking and I said you know, I think this Hay House keeps asking us for another book. I think this is probably it and we sent it to them. I think it was on a Thursday. We had a meeting with them the next Wednesday, which is really fast. It's like six days later I get a meeting and they love it, and about two weeks later the go-ahead came from the publisher that we were going to go with that book. Two weeks later, the go-ahead came from the publisher that we were going to go with that book. And so I've developed another capability that if you write a small book, it's easy to get a big book. Yeah. So that's where the capabilities develop now. Now when I'm writing a new quarterly book, I'm saying is this a big book? Is this a big book? Is this the yeah? Dean: well, I would argue that you know that you've established a reach relationship with Hay House. Dan: Yeah, yeah, because they're a big multiplier. Dean: That's exactly right. So you've got the vision of I want to do a book on casting, not hiring. I have the capability already in place to do the little book and now you've established a reach partnership with Hay House that they're the multiplier in all of this right Vision plus capability, multiplied by reach. And so those relationships that you know, those relationships that you have, are definitely a reach asset that you have because you've established that you know and you're a known quantity to them. You know. Dan: Yeah, well, they are now with the. You know the success of the first three books, yeah, but it's really interesting because I I don't push my mind too much further than that which I can. Actually, you know, like now I'm working on the big book with jeff jeff nettoff and with the first draft, complete draft, to be in a 26, and we're on schedule. We're on schedule for that. You know. So you know. But I don't have any aspirations. You know you drop this as a sentence. You know you want to change things. I actually don't want to change things. I just want to continue doing what I'm doing but have it more productive and more profitable. Is that a vision? I guess that's a vision. Dean: Yeah, I mean that's certainly, certainly. I think that part of this is that staying in your unique ability right, you're not fretting about what the you've made this relationship with a house and that gives you that reach, but there's nothing you're and they were purchased. Dan: They were purchased by random house, so they have massive bar reach. Dean: Wow yeah. Dan: I don't know what the exact nature of their relationship is but things take a little bit slower backstage at their end now, I've noticed as we go through, because they're dealing with a monstrous big operation, but I suspect the reach is better. Yeah, once it happens, right. Dean: And resources. Yeah, yeah, cash as capability, that's a big, you know that was a really good. That's been a big. Distinction too is the value of cash as a capability. Cash for the c, yeah, a lot, as well as cash for the k. But cash for the c specifically is a wonderful capability because with cash you can buy it solves a lot of problems. You can buy all the vision, capability and reach. That was a lot of problems. It really does. Dan: Yeah, yeah, yeah, I was out at dinner last night with Ken and Nancy, harlan you know, you know Ken, and and we were talking. He was talking about he's. He's 30, 33rd year and coach and he started in 92. And coach, and he started in 92 and and he he was just talking about how he has totally a self-managing company and you know he has great free days, and you know he just focuses on his own unique ability. You know so a lot of strategic coach boxes to check off there and he was talking and he was saying that he's been going to some other 10 times workshops. You know where people are and he spoke about someone who's actually a performer musical performer and he just saw himself as back in 1996 or 1997 as the other person spoke, and and, and he asked me the question he says when is the crossover when you stop being a rugged individualist and then you actually have great teamwork around you? Dean: And I said it's a really interesting question. Dan: I said it's when it occurs to you, based on your experience, that trusting other people is a lot less expensive than not trusting them. Dean: Right, that's a good distinction, right. That people often feel like I think that's the big block is that nobody trusts anybody to do it the way they would do it or as good as they can do it or they don't have it. You know, I think, even on the vision side, they may have proof of things, but they're the only one that knows the recipe. They haven't protocol and package to, you know, and I think that's really, I think, a job description or a you know, being able to define what a role is, you know, I think it's just hiring people isn't the answer, unless you have that capability, that new person now equipped with a, with a vision of what they, what their role is. Dan: You know yeah, yeah, I said it's also been my experience that trust comes easier when the cash is good. I think that's true right? Dean: Yeah, but they're not. I think that's really. Dan: I think the reason is you have enough money to pay for your mistakes. Dean: Yes, exactly, cash confidence. Yeah, it goes a long way. Dan: Yeah, I was thinking about Trump's reach. First of all, I think the president of the United States, automatically, regardless of who it is, has a lot of reach. Yes, for sure. Excuse me, sir, it's the president of the United States phoning. Do you take the call or don't take the call? I think you're right, yeah, absolutely. Take the call or don't take the call. I think you're right, yeah, absolutely. He says he's just imposed a 25% tariff on all your products coming into the United States. Dean: Do you care about that or do you not care about it? I suspect you care about it. I suspect. Imagine if he had a, you know if yeah, there was a 25% tariff on all strategic coach enrollments or members. Dan: Yeah Well, that's an interesting thing. None of this affects services. Dean: Right. Dan: Yeah, Because it's hard to measure Well first of all, it's hard to detect and the other thing, it's hard to measure what actually happened. This is an interesting discussion. The invisibility of the service world. Dean: Yeah, it's true, right. And also the knowledge you know like coming into something, whatever you know, your brain and something going across borders is a very different. Dan: Yeah it's very interesting. The Globe and Mail had an article it was in January, I think it was and it showed the top 10 companies in Canada that had gotten patents and the number of patents for the past 12 months, and I think TD Bank was 240, 240. And that sounds impressive, until you realize that a company like Google or Apple would have had 10,000 new patents over the previous 12 months. Dean: Yeah, it's crazy right. Dan: Patent after patent. Dean: Yeah. Dan: And my sense is, if you measure the imbalance in trade let's say the United States versus Canada there's a trade deficit. Trade. Let's say the United States versus Canada there's a trade deficit. Canada sells more into the United States than the United States sells into Canada, but that's only talking about products. I bet the United States sells far more services into Canada than Canada does into the United States. I bet you're right. Yeah, and I bet the services are more profitable. Yeah so for example, apple Watches, the construction of Apple Watches, which happens outside of the United States. Nobody makes a profit. Nobody makes a profit. They can pay for a job, but they don't actually make a profit. All they can do is pay for jobs. China can only pay for jobs, thailand, all the other countries they can only pay. And when it gets back, you know you complete the complete loop. From the idea of the Apple Watch as it goes out into the world and it's constructed and brought back into the United States. All the profit is in the United States. All the profit is in the United States. The greatest profit is actually the design of the Apple Watch, which is all done in the United States. So I think this tariff thing is coming along at an interesting period. It's that products as such are less and less an important part of the economy. Dean: Yeah Well, I've often wondered that, like you know, we're certainly, we're definitely at a point where they were in the economy, where you could get something from. You know. You know I mean facebook and google and youtube. You know all of these companies there's. No, they wouldn't have anything that shows up on any balance sheet of physical goods. You know, it's all just ones and zeros. Dan: Yeah. I mean it doesn't happen anymore, but because we have. You know, nexus, when Babs and I crossed the border, we have trusted, trusted traveler coming this way which also requires us that we look into a camera and then go and check in to the official and he looks at us and all he wants to know is how many bags do you have that have? Dean: been in. Dan: And we tell him. That's all we tell him. He doesn't tell us anything we're bringing into the United States and he doesn't tell us anything we're bringing into the United States. And then, when we come back to Canada, we just have our Nexus card which goes into a machine, we look into a camera and a sheet of paper comes out. And the customs official or the immigration official, just you know, puts a red pen to it, which means that he saw it, and then you go out there. But you know, when we started, coach, we would have to go through a long line. We'd have our passport, and then the person would say what are you bringing? And then we'd have to fill in a card are you bringing this back into canada? Dean: exactly, yeah, you remember the remember and what's the total. Dan: You know the total price of everything that you purchased, everything. Dean: And I used to think. Dan: I said you know, I was in Chicago and I just came up with an idea. It's a million dollar idea. Do I declare that I had the good sense not to declare my million-dollar idea because then they would have taken me in the back room. You know, if I had said that, what are you? Why are you trying to screw around? Dean: with our mind. You'll have to undergo a cavity search to. Dan: So what I'm saying is that what's really valuable has become intangible more and more so just in the 30 years or so of so of coach you know that and it's like the patents. Dean: you know we've had all the patents appraised and there's an asset value, but yeah, because this is an interesting thing that in the or 30 years ago you had to in order to spread an idea. You had to print booklets and tape. I remember the first thing what year did you do how the Best Get Better? That was one of the first things that you did, right? Dan: Right around 2000 or so. In fact, you're catching me in a very vulnerable situation. That's okay. Dean: I mean it had to be. Dan: Okay. Dean: But I think that whole idea of the entrepreneurial time system and unique ability, those things, I remember it being in a little container with the booklet and the cassette. Dan: You know crazy, but that's but yeah, because I think it was. I think it was, was it a disc or a cassette, cassette? So yeah, well, that would have mid nineties. Dean: Yeah, that's what I mean. I think that was my introduction to coach, that I saw that. Dan: but amazing, right, but that just the distribution of stuff now that we have access yeah well, it just tells you that the how much the entire economy has changed in 30 years. From tangible to intangible, the value of things, the value of what do you? Value and where does it come from? Dean: And yeah. Dan: I think all of us in the thinking business. The forces are on our side, I agree. Dean: That's such a great talking with Chad. Earlier this morning I was on my way to Honeycomb and I was thinking, you know, we've come to a point where we really it's like everything that we physically have to do is being kind of taken away. You know that we don't have to actually do anything. You know, I got in my car and I literally said, take me to Honeycomb, and the car drives itself to Honeycomb. And then, you know, I get out and I know exactly what I want, but I just show them my phone and the phone automatically, you know, apple Pay takes the money right out of my account. I don't have to do anything. I just think, man, we're moving into that. The friction between idea and execution is really disappearing. I think so. So the thing to be able to keep up, it's just collecting capabilities. Collecting capabilities is a. That's the conduit. You know, capabilities and tasks. Dan: Well, it's yeah and it's really interesting. But we're also into a world where there's two types of thinking world. There is there's kind of a creative thinking world, where you're thinking about new things, and there's another world thinking about things, but you're just thinking about the things that already already exist yeah, my feeling is and usually that requires higher education college education you know, and all my feel is that they're the number one targets of AI is everybody who does a lot of thinking, but it's not creative thinking. Ai will replace whatever they're doing. And my sense is that this is why the Doge thing is so devastating to government. I mean, I'll just test this out on you. Elon Musk and his team send every federal employee and at the start of the year there were 2.4 million federal government employees and that excludes the, the military. So the military is not part of that 2.4 million and the post office is not part of those are excluded from. Everybody else is included in there. And he sent out a letter he says could just return by return email. Tell us the five things that you did last week. And it was extraordinarily difficult for the federal employees to say what they did last. That would be understandable to someone who wasn't in their world. And I think the majority of them were meetings and reports, uh-huh. Yes, about what? About meetings and reports, uh-huh. Dean: Yes, about what? About meetings and reports yeah, we had the meeting about the report. Dan: Yeah, and then scheduled another meeting To discuss the further follow-up of the report. Dean: Yeah, At least in the entrepreneurial world the things are about you know, yeah. Dan: I mean if you said I sent the memo to you and said, dean Jackson, please tell me it would be interesting stuff that you wrote back. I mean the stuff that you wrote back and you say just five, just five. You know, I can tell you 15 things I did last week, you know, and each of them would be probably an interesting subject. It would be an interesting topic is the division between that bureaucratic world. The guess coming out of the Doge project is if we fired half of federal government employees, it wouldn't be noticed by the taxpayers. Dean: Right, it's like a big Jenga puzzle. Dan: How many can? Dean: we pull out before it all crumbles. Dan: Yeah, because there's been virtually no complaints, like all the pension checks came when they should. All the you know everything like that. The Medicare, everything came. Dean: But what? Dan: they found and this is the one, this is the end joke here that they just went to the Small Business Administration and they examined $600 million worth of loans last year and 300 million of them went to children 11 years or younger who had a Social Security number. Dean: Is that true? Dan: Yeah, and 300 million went to Americans older than 120 who had an active Social Security number. Dean: Wow, now, that's just. Dan: Yeah, but that $600 million went to somebody. 0:48:51 - Dean: Yeah, it went somewhere. Dan: right, they were checks and they went to individuals who had this name and they had Social Security number. We had this name and they had social security number and those individuals don't those individuals. The person receiving the check is not the individual who it was written to. So that's like 600 million. Yeah, and they're just finding this all over the place. These amazing amounts of money and the Treasury Department last year couldn't account for $1.2 trillion. Dean: They couldn't account for where it went.2 trillion, you know. Dan: You know, that seems dr evo's one trillion exactly. Yeah, well, it's going somewhere, and if they cut it off, I bet those people are noticed yeah, I bet you're right, I think there's. This is the great audit we're in the age of the great. We're in the age of the great audit. Anyway, I have daniel white waiting for me, okay this was a good one, daniel yeah, it was good, this was a good one. This tangibility thing is really an interesting subject and intangibility Absolutely. Dean: All right, thank you, dan. Say hi to Daniel for me Next week. Dan: I'm booked socially all day, so take a two-week break.

Our guest on this episode of Data Driven Finance is Gretchen Rodriguez, Head of Product for Payments at TD Bank. She approaches products with an entrepreneur's mindset and has designed and launched products in fintech, e-commerce, cybersecurity, and identity & trust. Gretchen spent time as Product Owner at eBay, serves on a couple of boards, and is a product adviser to Med Fem Wellness. We talk about emerging payments and the ecosystems that support it. Topics covered include: The way we pay for products and services is changing. Consumer behaviors around how they make and want to make online payments. The ideal end game for payments from a consumer's point of view. The obstacles still in the way of seamless, superior payment systems. How can we accomplish the interconnectivity required for improved payment experiences? The opportunities open banking offers for opening and funding accounts. Additional benefits of connectivity for business account holders. The payment enhancements that are being explored today. A warning for the banks allowing themselves to fall behind.

In this episode of Welcome to Cloudlandia, we start by discussing the unpredictable nature of Toronto's weather and its amusing impact on the city's spring arrival. We explore the evolution of Formula One pit stops, highlighting the remarkable advancements in efficiency over the decades. This sets the stage for a conversation with our guest, Chris Collins, who shares his insights on balancing fame and wealth below the need for personal security. Next, we delve into the intricacies of the VCR formula—proposition, proof, protocol, and property. I share my experiences from recent workshops, emphasizing the importance of transforming ideas into intellectual property. We explore cultural differences between Canada and the U.S. in securing property rights, highlighting the entrepreneurial spirit needed to protect one's innovations. We then examine the role of AI in government efficiency, with Elon Musk's technologies revealing inefficiencies in civil services. The discussion covers the political and economic implications of misallocated funds and how the market's growing intolerance for waste pushes productivity and accountability to the forefront. Finally, we reflect on the transformative power of technological advancements, drawing parallels to historical innovations like the printing press. SHOW HIGHLIGHTS We discussed the VCR formula—proposition, proof, protocol, and property—designed to enhance communication skills and protect innovations. This formula is aimed at helping entrepreneurs turn their unique abilities into valuable assets. We touch on the unpredictable weather of Toronto and the humor associated with the arrival of spring were topics of discussion, offering a light-hearted start to the episode. Dan and I share insights on the evolution of Formula One pit stops, showcasing human innovation and efficiency over time. We examined the challenges faced by entrepreneurs in protecting their intellectual property and explored cultural contrasts between Canada and the U.S. regarding intellectual property rights. The episode delved into the implications of AI in improving government efficiency, highlighting how technologies reveal civil service inefficiencies and drive accountability. We reflected on the transformative power of historical innovations such as the printing press and electricity, drawing parallels to modern technological advancements. The conversation concluded with reflections on personal growth, including insights from notable figures like Thomas Edison and Peter Drucker, and a preview of future discussions on aging and life experiences. Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dean: Mr Sullivan. Dan: That feels better. Dean: Welcome to Cloudlandia, yes. Dan: Yes indeed. Dean: Well, where in the world? Dan: are you? Dean: today, toronto. Oh, you're in Toronto. Okay, yeah, where are you? Yeah? Dan: where are you? Dean: I am in the courtyard at the Four Seasons Valhalla in my comfy white couch. In perfect, I would give it 73 degree weather right now. Dan: Yes, well, we're right at that crossover between middle winter and late winter. Dean: You never know what you're going to get. It could snow or it could be. You may need your bikini, your Speedo or something. Dan: I think spring in Toronto happens, I think somewhere around May 23rd, I think somewhere around. May 23rd, and it's the night when the city workers put all the leaves on the trees. Dean: You never know what you're going to get. Until then, right, it just might snow, and they're stealthy. Dan: They're stealthy and you know, I think they rehearse. You know, starting in February, march, april, they start rehearsing. You know how fast can we get all the leaves on the trees and they do it all in one night they do it and all. I mean they're faster than Santa Claus. I mean they're. Dean: Have you seen, Dan? There's a wonderful video on YouTube that is a comparison of a Formula One pit stop from the 1950s versus the 2013 Formula One in Melbourne, and it was so funny to show. Dan: It would be even faster today. Dean: It would be even faster today. Oh yeah, 57 seconds it took for the pit stop in the 50s and it was 2.7 seconds at Melbourne it was just amazing to see. Dan: Yeah, mark young talks about that because he's he's not formula one, but he's at the yeah, he's at the level below formula one right, every, uh, every minute counts, every second counts oh, yeah, yeah, and uh, yeah, he said they practice and practice and practice. You know it's, it's, if it can be measured. You know that there's always somebody who's going to do it faster. And yeah, yeah, it's really, really interesting what humans do. Dean: Really interesting what humans do. I read something interesting or saw a video and I've been looking into it. Basically, someone was saying you know, our brains are not equipped for omniscience, that we're not supposed to have omniscient knowledge of everything going on in the world all at once. where our brains are made to be in a local environment with 150 people around us, and that's what our brain is equipped for managing. But all this has been foisted on us, that we have this impending. No wonder our mental health is suffering in that we have this impending when you say our, who are you referring to? Society. I think you know that's what they're. Dan: Yeah, that's what they're saying like across the board. Dean: Who are they? Yes, that's a great question. Dan: You know I hear this, but I don't experience any of it. I don't feel foisted upon. I don't feel overwhelmed. Dean: You know what I? Dan: think it is. I think it is that people who feel foisted upon have a tendency to talk about it to a lot of other people. Dean: But people who don't feel foisted upon. Dan: Don't mention it to anybody. Dean: It's very interesting. Do you know Chris Collins? Do you know Chris Collins? Dan: He wrote the really great book collection called I Am Leader. Dean: It's really something. He's a new genius. He's a new Genius Network member. Dan: Oh, Chris, oh yeah, oh yeah, chris, yeah, does he have repair shops? His main business is auto Auto. Dean: Yeah, oh yeah, chris, yeah, he does. He have repair shops His main business is auto, auto, auto dealership. Dan: He does auto dealerships. Dean: Yeah, that's right. Dan: Yeah, chris was in. Chris was in the program way back with 10 times around the same time when you came 10 times. He was in for about two years oh okay, interesting. Yeah and yeah, he was at the last Genius you know, and he's got a big, monstrous book that costs about $300. Dean: Yes, I was just going to talk about that. Yeah. Dan: We got one, but I didn't have room in my bags, you know. Dean: I budget. Dan: You know how much. Dean: I'm going to take and how much I'm going to bring back, and that was just too, much so, yeah, so yeah, yeah. He's very bothered. Oh, is he? Okay, yeah, I don't know him, I just I saw him. Dan: I got that what he talked about was this massive conspiracy. You know that they are doing it to them or they're doing it to us interesting interesting I don't experience that. What I experience is mostly nobody knows who I am. Dean: That's the best place to be right. Dan: They only know of you. Somebody was saying a very famous person showed up at a clinic in Costa Rica and he had eight bodyguards, eight bodyguards and I said yes, why is that expensive? That must be really expensive, having all those bodyguards. I mean, probably the least thing that was costly for one is having is having himself transformed by medical miracles. But having the bodyguards was the real expense. So I had a thought and I talked to somebody about this yesterday. Actually, I said my goal is to be as wealthy and famous just to the point where I would need a bodyguard. But not need the bodyguard just below where I would need a bodyguard, but not need the bodyguard Just below, where I would need a bodyguard, and I think that would be an excellent level of fame and wealth. Not only do you not have a bodyguard, but you don't think you would ever need one. That's the big thing, yeah. Dean: I love that. Dan: That that's good yeah that's a good aspiration yeah, yeah, so far I've succeeded yes, so far you are on the uh. Dean: Yeah, on the cusp of 81 six weeks seven weeks to go yeah, getting close. That's so good. Yeah, yeah, this. How is the new book coming? Dan: Yeah, good, well, I've got several because I have a quarterly book. Dean: Yeah, I'm at the big casting, not hiring. Dan: Yeah, really good. Each of us is delivering now a chapter per week, so it's really coming along. Great, yeah, and so we'll. Our date is may 26th for the everything in um before their editing can start, so they will have our, our draft will be in on may 26th and then it's over to the publisher and you know there'll be back and forth. But Jeff and I are pretty, jeff Madoff and I are pretty complete writers, you know. So you know it doesn't need normal. You know kind of looking at spelling and grammar. Dean: Right, right, right. Is that how you? Are you writing as one voice or you're writing One voice? One voice, one voice. Dan: Yeah, but we're writing actually in the second person, singular voice, so we're writing to the reader. So we're talking about you this and you this, and you this and you this, and that's the best way to do it, because if you can maintain the same voice all the way through, that's really good. I mean, jeff, we have a different style, but since we're talking to the reader all the way through, it actually works really well so far, and then we'll have you know, there'll be some shuffling and rearranging at the end. Dean: That's what I wondered. Are you essentially writing your separate, are you writing alternate chapters or you're writing your thoughts about one chapter? Dan: We have four parts and the first three parts are the whole concept of businesses that have gone theatrical, that have gone theatrical and we use examples like Ralph Lauren, Four Seasons. Hotel Apple. You know who have done Starbucks, who have done a really great job, and Jeff is writing all that because he's done a lot of work on that. He's, you know, he's been a professor at one of the New York universities and he has whole classes on how small companies started them by using a theatrical approach. They differentiated themselves extraordinarily in the marketplace, and he goes through all these examples. Plus he talks about what it's like to be actually in theater, which he knows a great deal about because he's a playwright and a producer. The fourth part is on the four by four casting tool and that's got five sections to it and where I'm taking people, the reader, who is an entrepreneur, a successful, talented, ambitious entrepreneur who wants to transform their company into a theatrical-like enterprise with everybody playing unique roles. So, that's how I've done it, so he's got the bigger writing job than I do but, mine is more directive. This is what you can do with the knowledge in this book. So we're writing it separately, and we're going to let the editor at the publishing house sort out any what goes where. Dean: Put it all together. Dan: Yeah, and we're doing the design on it, so we're pretty steadily into design projects you know, producing a new book. So we've got my entire team my team's doing all the backstage arrangements. Jeff is interviewing a lot of really great people in the theater world and you know anything having to do with casting. So he's got about. You know probably to do with casting. So he's got about probably about 12 major, 12 major interviews that he'll pull quotes from and my team is doing all the setup and the recording for him so so. Jeff. Jeff showed up as Jeff and I showed up as a team. That's great. Oh, that's great, that's awesome yeah, yeah, in comes, but not without six others, right, right with your. Dean: You know, I had a friend who used to refer to that as your utility belt. Right that you show up and you've got strapped on behind you. Dan: You've got your design, got it writing got it video, got it your whole. Yeah, strapped on behind you, you've got your design Got it Right. Dean: Yeah, yeah, yeah. Dan: And capability crew. Yeah, and to a certain extent I'm role modeling the, the point of the book, you know, and the way we're going about this and and you know, and more and more so, I find probably every quarter my actual doing um of production and that gets less and less and I'm actually finding um, I'm actually finding my work with perplexity very useful because it's getting me better at prompting my team members yes yeah, with perplexity, if you don't give it the right prompt, you don't get the right outcome. You know, yeah, and more and more I'm noticing I'm getting better at giving really, really, really great prompts to my artists, to the writers who are working with me, the interviewers, everything so, um, yeah, so it's been very, very helpful. I I find uh, just in a year of perplexity, I've gotten much more uh precise about exactly what I want. Dean: Yeah. Dan: Yeah. Dean: Yeah, defining right. I mean that's pretty. Yeah, yeah, that's really great. And knowing that, a lot of it, so much of that prompting, that's the language that's been adopted for interfacing with AI, chat, gpt and perplexity. Dan: The prompts that you give are the things. Dean: But there's so much of that. That's true about team as well, right? Oh yeah, being a better AI prompter is a better team prompter. Yeah yeah, being a better AI prompter is a better team prompter. Dan: Yeah, yeah, and you know I have a book coming out Now that I'm talking to you about it it may be the next book that would start in June and it's called Technology Coaching Teamwork and it has like three upward arrows that are, uh, you know, in unison with each other. There are three and I said that I think in the 21st century all businesses really have three tracks to them. They have a technology track, they have a teamwork track and they have a coaching track in the middle and that um in the 20th century, we considered management to be the basis. You know, management is the basis for business but. I think management has actually been um superseded, um by um superseded by electronics, you know actually it's the electronics are now the management, the algorithms are now the management and then you have the people who are constantly, you know, creating new technology, and you have human teamwork that's creating new things, because it's ultimately humans that are knocking off everything you know right. And then in the middle is coaching, and coaching goes back and forth between the teamwork and the technology. Technology will always do a really shitty job of coaching yes, I bet that's true, and teams will always do a sort of shitty job of uh knowing how to use technology and there has to be an interface in the middle, that's a human interface and it's a coaching, because coaching takes in a lot of factors, not just action factors or planning factors, but it takes in aspirational factors. It takes in learning factors. It takes in, you know, all sorts of transformational factors and that's a, that's a mid role. Yeah. Dean: Yes, yeah. Dan: And if you look at what you do best, it's probably coaching. Dean: Yeah, I wonder. I mean that's kind of. Dan: Joe Polish. It was Joe Polish, where he probably does best. He's probably a great coach. Dean: Yeah, I think that's true. Yeah, I think that's true. I've really been getting a lot of insight around going through and defining the VCR formula. You know proposition, proof, protocol and property. That's a. I see the clarity that. You know. There's a different level of communication and intention between. Where my I really shine is between is propositions and proof, like getting something knowing, guessing. You know we were. I was going to talk today too about guessing and betting. I've been really thinking about that. That was a great exercise that we did in our workshop. But this idea that's really what this is is guessing. I seem to have this superpower for propositions, like knowing what would be the thing to do and then proving that. That's true. But then taking that proof and creating a protocol that can be packaged and become property is a. That's a different skill set altogether and it's not as much. It's not as much. My unique ability, my superpower zone, is taking, you know, making propositions and proving them. I'm a really good guesser. Dan: That's my strength yeah. Yeah, I think the what I'm doing because it's, um, I'm really thinking a lot about it based on the last, um, uh, free zone workshop, which I did on monday and, uh, you know, monday of the week before last in toronto, where you were yeah, and and then I did it on Thursday again and I reversed the whole day oh really I reversed the whole day. I started off with guessing and betting and then indecision versus bad decision. And then the afternoon I did the second company secret and it worked a lot better. The flow was a lot better. Company secret and it worked a lot better. The flow was a lot better. But the big thing is that people say well, how do I? Um, I I just don't know how I you know that. Um, I'm telling them and they're asking me. So I'm telling them every time you take your unique ability and help someone transform their DOS issues, you're actually creating perspective. Intellectual property. And they said, well, I don't see quite how that works. I don't see how that works, so I've been, you know, and I'm taking them seriously. They don't see how that works. So I said, well, the impact filter is actually the solution. Okay, because you do the DOS question with them. You know, if we were having this discussion a year from now and you were looking back over the year, what has to have happened for you to feel happy with your progress? Okay, and specifically, what dangers do you have that need to be eliminated, what opportunities do you have that need to be captured, and what strengths do you have that need to be maximized? And there's a lot of very interesting answers that are going to come out of that, and the answers actually their answers to your question actually are the raw material for creating intellectual property the reason being is that what they're saying is unique and how you're listening to it is unique because of your unique ability so the best thing is do it, do an impact filter on what your solution is. So the best solution is best result solution is this. Worst result solution is this. And then here are the five success criteria, the eight success criteria that we have to go through to achieve the best result and that is the basis for intellectual property. Dean: What you write in that thing. Dan: So that's where I'm going next, because I think if we can get a lot of people over that hump, you're going to see a lot more confidence about what they're creating as solutions and understanding that these solutions are property. Dean: Yes. Dan: That's what I'm saying, that's what I'm thinking. Dean: Yeah, that's your guessing and betting yeah yes I agree and I think that that uh you know, I mean, I've had that to me going through this exercise of thinking, through that vision, column you know that the ultimate outcome is property, and once you have that property, it becomes it's a capability. Dan: It's a capability. Now right, that's something that you have. If it's not property, it's an opportunity for somebody to steal something ah right exactly. Yeah, I just think there's an inhibition on the part of entrepreneurs that if they have a really neat solution but it's not named and packaged and protected, um, it isn't going to really do them any good because they're going to be afraid. Look, if I say this, I'm in a conference somewhere and I say this, somebody's going to steal it. Then they're going to use it, then I I can't stop them from doing that. So the way I'm going to stop people from stealing my creativity is not to tell people what I'm creating. Right, it's just, it's just going to be me in my basement. Dean: Yeah, I bet no. Dan: I bet the vast majority of creative entrepreneurs they're the only ones who know they're creative because they're afraid of sharing their creativity, because it's not distinct enough that they can name it and package it and project it, getting the government to give you a hand in doing that Right yeah. Yeah, and I don't know maybe it's just not a goal of theirs to have intellectual property. Maybe it's you know it's a goal of mine to have everything be intellectual property, but maybe it's just not the goal of a lot of other people. Dean: What do? Dan: you think. Dean: I think that once you start to understand what the practical you know value, the asset value of having intellectual property, I think that makes a big difference. I think that's where you're, I mean you're. It's interesting that you are certainly leading the way, you know. I found it fascinating when you mentioned that if you were, you know, were measured as a Canadian company, that it would be the ninth or something like that. Dan: Yeah, during a 12-month period 23 to 24,. Based on the research that the Globe and Mail Toronto paper did, that the biggest was one of the big banks. They had the most intellectual property and if our US patents counted in Canada because I think they were just, they were just counting Canadian government patents that we would have been number nine and we're. you know, we're a tiny little speck on the windshield, I mean we're not a big company, but what I notice when I look at Canada very little originality is coming out of Canada and, for example, the biggest Canadian company with patents during that 12-month period was TD Bank. Yeah, and they had 240. 240, I mean that might be how many Google send in in a week. You know that might be the number of patents. That wouldn't be necessarily a big week at Google or Amazon or any of the other big American, because Americans are really into Americans are really, really into property. That's why they want Greenland. Dean: And Panama. Dan: And Alberta. Dean: Panama, alberta and Greenland. Dan: And the Gulf of America, yeah, the Gulf of America and property. Dean: Even if it's not actual. They want titular property. Dan: Yes. Dean: Yeah, yeah. Dan: And I haven't seen any complaints from Mexico. I mean, I haven't seen any complaints. Maybe there have been complaints, but we just haven't seen them. No, no, from now on it's the Gulf of America, which I think is rather important, and when Google just switches, I mean, google hasn't been a very big Trump fan and yet they took it seriously. Yeah, now all the tech's official. It's interesting talking to people and they say what's happening? What's happening? We don't know what's happening. I say, well, it's like the end of a Monopoly game. One of the things you have to do when you end one Monopoly game is all the pieces have to go back in the box, like Scrabble. You play Scrabble, all the pieces go back in the box at the end of a game. And I said, this is the first time since the end of the Second World War that a game is ending and all the pieces are going back into the box, except when you get to the next step. It's a bigger box, it's a different game board, there's more pieces and different rules. So this is what's happening right now. It's a new game the old game is over, new game is starting and, um, if you just watch what donald trump's doing, you're getting an idea what the new game is. Yeah, I think you're right, and one of the new game is intellectual property. Intellectual property I think this is one of the new parts of the new game. And the other thing is it's all going to be one-to-one deals. I don't think there's going to be any more multi-party deals. You know, like the North American Free Trade Act, supposedly is the United States, canada and Mexico In Europe. If you look at it, it's Canada and Mexico, it's Mexico and the United States and it's the United States and Canada. These are separate deals. They're all separate deals. That's what I think is happening. States, Canada and these are separate deals. They're all separate deals. Oh, interesting, yeah, and that's what I think is happening. It's just one-to-one. No more multilateral stuff it's all one-to-one. For example, the US ambassador is in London this week and they're working out a deal between the UK and the United States, so no tariffs apply to British, british products oh interesting yeah and you'll see it like the European Union. I was saying the European Union wants to have a deal and I said European Union, where is the European Union? You know where is? That anyway, yeah yeah, I mean, if you look at the United Nations, there's no European Union. If you look at NATO, there's no European Union. If you look at the G20 of countries, there's no European Union. There's France, there's Germany. You know, there's countries we recognize. And I think the US is just saying if you don't have a national border and you don't have a capital, and you don't have a government, we don't think it exists. We just don't think it exists. And Trump often talks about that 28 acres on the east side of Manhattan. He says boy, boy. What we could do with that right, oh, what we could do with that. You know they should. Just, you know who can do that. Who can do? United Nations, switzerland, send it to Switzerland. You know that'd be a nice place for the send it to there, you know like that and it just shows you that that was all. All those institutions were really a result of the Second World War and the Cold War, which was just a continuation of the Second World War. So I think that's one of the really big things that's happening in the world right now. And the other thing I want to talk to you about is Doge. I think Doge is one of the most phenomenally big breakthroughs in world history. What's happening with Elon Musk and his team. Dean: Yeah, I know you've been really following that with great interest. Tell me what's the latest. Dan: It's the first time in human history that you can audit government, bureauc, audit government, bureaucratic government, the part of government. You don't see Millions and millions of people who are doing things but you don't know what they're doing. There's no way of checking what they're doing. There's no way for them. And it was proven because Musk, about four weeks ago, sent out a letter to every federal employee, said last week, tell me five things that you did. And the results were not good. Dean: Well, I think the same thing is happening when people are questioned about their at-home working accomplishments too. Yeah, but that's the Well, lamar Lark, you know. Dan: Lamar. I don't think you've ever met Lamar. He's in the number one Chicago Free Zone workshops, so we have two and a quarter and he's in the first one. And he has all sorts of interesting things. He's got Chick-fil-A franchises and other things like that, okay, and he created his own church, which is a very I have met Lamar yeah, which is a very American activity. Dean: It creates your own church, you know yes yes, yeah. Dan: That's why Americans are so religious is because America is the first country that turned religion into an entrepreneurial activity. Got yourself a hall. You could do it right there in the courtyard of the Valhalla. How many chairs could you? If you really pushed it, how many chairs could you get into the courtyard? Let's see One, two three, four, five, not like the chair you're sitting on. No, I'm kidding. Dean: I'm just envisioning it. I could probably get 50 chairs in here. Dan: You got yourself, you know and set it up right, Get a good tax description yeah, you got yourself a religion there. That's great. And you're kind of tending in that direction with the word Valhalla, that's exactly right. Dean: Yes, would you. Dan: I'd pay to spend an hour or two on Sunday with you. Dean: But here's the big question, Dan Would you be committed enough to tithe? Dan: Oh yes, oh yes. Dean: Then we'd really be on to something you know. We could just count on you for your tithe to the church. That would be. Dan: That would really get us on our feet, but anyway, I was telling this story about Lamar. So he and his wife have a friend, a woman, who works for the federal government in Chicago, and so they were just talking over dinner to the person and they said, well, what's your day work, what's your day you know when do you go into the? office. When do you go into the office? When do you go into the office? And she says, oh, I haven't been to the office since before COVID. No, I know we are the office. And so they said, well, how does your home day work? And she says, well, at 830, you got to. You got to check in at 830. You check in at 830, you go online and then you put your j in at 8.30. Dean: You check in at 8.30, you go online and then you put your jiggler on Jiggler, exactly I've heard about this and they said what's the jiggler? Dan: Well, the jiggler moves. Your mouse keeps checking into different. It keeps switching to different files, positions, yeah, yeah, files. And that's the only thing that they can record from the actual office is that you're busy moving from one file to the other. And he says, well, what are you doing while that's happening? She said, well, I do a lot of shopping, you know I go out shopping and we have you know, and they come back and it goes from. You know it'll stop because there's coffee time, so we'll stop for 10 minutes for coffee and then it'll stop for lunch and stop for afternoon coffee. And then I checked out and I always check in five minutes early and I always check five minutes late, that's amazing, isn't it? that's what that's what elon Elon Musk is discovering, because Elon Musk's AI can actually discover what they did, and then it's hard for the person to answer what were the five things you did last week? You know, and the truth is that I think I'm not saying that all civil servants are worthless. I'm not saying that at all. You have it right now. It's recorded here. Your mechanism is recording that. I'm not saying that all civil servants are worthless but I do think it's harder and harder for civil servants to prove their value, because you may have gone to five important meetings, but I bet those meetings didn't produce any result. It's hard for any civil servant and you can say what you did last week. I can say what I did last week, but you were basically just meeting with yourself. Yeah, that's I saw somebody and you produce something and you made a decision and something got created and that's easy to prove. But I don't think it's easy in the civil service to prove the value of what you did the greatest raw resource in America for taking money that's being spent one way taking that money away and spending on something else. I think this is the greatest source of financial transformation going forward, because about 15 states all of them Republican states have gotten in touch with Elon Musk and say whatever you're doing in Washington, we want to do here, and I just he believes, according to his comments, that every year there's $3 trillion that's being badly spent $3 trillion you know, I got my little finger up to my mouth. $3 trillion, you know, this is that's a lot of you know, I'm at the point where I think a million is still a big deal. You know, trillion is uh, yeah, uh. Dean: I saw that somebody had invented a uh algorithm reader. They detected an algorithm in the like a fingerprint in the jiggler software. Oh that, yeah, so that you can overlay this thing and it would be able to identify that that's a jiggler that's a jiggler. Dan: That's a jiggler yeah, you got to because behind the jiggler is the prompter. Dean: The jiggler busters. Dan: Yes, exactly, he was on. He was interviewed, he and six members of his Doge team, you know, and how they're talking about them being 19 and 20 year olds, about them being 19 and 20 year olds. These were part. These were powerful people who had stepped away from their companies and their jobs just for the chance to work with the Elon. One guy had five companies. He's from Houston, he had five companies and he's taken leave from his company for a year. Just to work on the doge project. Yeah, and so that guy was talking and he said you know what we discovered? The small business administration, he said, last year gave 300 million dollars in loans to children under 11 years old wow to their to that a person who had their social security number, their social insurance number. Right, and during that same year, we gave $300 million in loans to people who were over 120 years old. Dean: Wow. Dan: That's $600 million. That's $600 million, that's almost a billion. Anyway, that's happening over and over. They're just discovering these and those checks are arriving somewhere and somebody's cashing those checks, but it's not appropriate. So I think this is the biggest deal. I think this changes everything, and I've noticed that the Democratic Party is in a tailspin, and has been especially since they started the Doge project, because the people doing the jiggling and the people who where the checks are going to the run I bet 90% of them are Democrats the money's going to democratic organizations, since going to democratic individuals and they're going to be cash strapped. You know that they've been. This isn't last year, this goes back 80 years. This has been going on since the New Deal, when the Democrats really took over Washington. And I bet this I bet they can track all the checks that went back 80 years. Dean: I mean, this is that's really something, isn't it? I was just thinking about yeah, this kind of transparency is really like. I think, when you really get down to it, we're getting to a point where there's the market does not support inefficiency anymore. It's not baked in. If you have workers for instance, most of the time you have salaried workers your real expectation is that they're going to be productive. I don't know what the actual stats are, do you know? But let's say that they're going to be actually productive for 50% of the time. But you look at now just the ability to, especially on task-related things or AI type of things um, collins, chris no, chris johnson's um, um, oh yeah um uh, you know the the ai dialers there, of being able, there's zero. Dan: They were doing, um, you know they were doing. Maybe you know the dialers were doing. You know, because some of the sometimes the other, the person at the other end they answered and they'd have a you know five minute call or something like that. So in a day in a day, like they have an eight hour thing they might do you know. 50, 50 call outs 50 or 60 calls yeah, his. Ai does 25,000 calls a minute. Dean: Exactly that's. What I mean is that those things are just that everything is compressed. Now there's no, because it's taken out all the air, all the fluff around it. What humans come with. You're right what you said earlier about all the pieces going back in the box and we're totally reset. Yeah, I think we're definitely that you know yeah and the thing thing about this. Dan: What I found interesting is that the request coming in from the states that they moved the doge you know the process department of government efficiency that I. I think he's putting together a vast system that can be applied to any government you know, it could be, and, uh, and, but the all the requests came in from republican states, not from Democratic states, waste and abuse and waste and fraud. probably for the over last 80 years, has been the party in the United States which was most invested in the bureaucracy of the government you know. And yeah, I mean, do you know anybody who works for the government? I mean actually, I mean you may have met the person, but I mean, do you know anybody who works for the government? I mean actually, I mean you may have met the person but I mean, I don't know. Do you do, do you know anybody who works for the government? I don't believe, I do, really, and I do, and I don't either right, I don't I don't, I don't, neither you know I mean, I mean everybody I know is an entrepreneur everybody I know is entrepreneurial. And yeah, the people who aren't entrepreneurial are the families. You know they would be family connections of the entrepreneurs. I just don't know anybody who works for the government. You know, I've been 50 years and I can't say I know anybody who works for the government but, there's lots of them. Yeah, yeah so they don't they. They're not involved in entrepreneurial circles, that's for sure. Dean: It's Ontario Hydro or Ontario Power Generation. Is that the government? No, that's the government, then I do. I know one person. I know one person that works for the government. Dan: All right, Send him an email and say what are five things you did last week? Yeah, what? Dean: did you do last week? Dan: Oh my goodness, that's so funny, impress me. Dean: Yes. Dan: Yeah. Dean: Yeah. Dan: I think it's a stage in technological development, I think it's a state, just where it has to do with the ability to measure, and this has been a vast dark space government that you can't really, yeah, and in fairness to them, they couldn't measure themselves. In other words, that they didn't have the ability, even if they were honest and forthright and they were committed and they were productive, they themselves did not have the ability to measure their own activities until now. And I think, and I think now they will, and I think now they will, and, but but anyway, I just think this is a major, major event. This is this is equal to the printing press. You know this is equal to to electricity. You can measure what government does electricity. You can measure what government does In the history of human beings. This is a major breakthrough. That's amazing. Dean: So great Look around. You don't want a time to be alive. Dan: Yeah, I mean depending on where you work I guess that's absolutely true. Dean: I've been listening to, uh I was just listening, uh just started actually a podcast about uh, thomas edison, uh this is a really great podcast, one of my great, one of my great heroes. Yes, exactly, the podcast is called Founders. Dan: Founders yeah. Dean: Founders. Yeah, david Sunra, I think, is the guy's name and all he does is he reads biographies and then he gives his insights on the biographies. It's just a single voice podcast. It's not like guests or anything, it's just him breaking down his lessons and notes from reading certain reading these biographies and it's really well done. But he had what turned me on he did. I first heard a podcast he did about Albert Lasker, who was the guy, the great advertising guy, the man who sold America and yeah, so I've been listening through and very interesting. But the Thomas Edison thing I'm at the point where he was talking about his first things. He sold some telegraph patent that he had an idea that he had created for $40,000, which was like you know a huge amount of money back then and that allowed him to set up Menlo Park. And then at the time Menlo Park was kind of out in the middle of nowhere and you know they asked why would you set up out there? And no distractions. And he created a whole you know a whole environment of where people were undistracted and able to invent and what you know. If they get bored, what are they going to do? They're going to invent something, just creating this whole environment. Dan: Well, he wasn't distractible because he was largely deaf. He had childhood injury, yeah, so he wasn't distracted by other people talking because he couldn't really make out. So you know, he had to focus where he could focus. And yeah, there is actually in my hometown, which his hometown is called Milan, ohio. I grew up two miles. I grew up I wasn't born there, but when I was two years old, we moved to a farm there. It was two miles from Edison. His home is there. It's a museum. Dean: Milan. Dan: Ohio and that was 1830s, somewhere 1838, something like that. I'm not quite sure. But there's a business in Norwalk, Ohio, where we moved from the farm when I was 11 years old Ohio, where we moved from the farm when I was 11 years old, and there's a business in there that started off as a dynamo company. Dynamo was sort of like an electric generator. Dean: Yeah, and we had dynamo in Georgetown. Dan: on the river, yeah, and that business continues since the mid-1800s, that business continues, and everything like that. My sense is that Edison put everything together that constitutes the modern scientific technological laboratory. In other words that Menlo Park is the first time you've really put everything together. That includes, you know, the science, the technology, the experimentation the creation of patents, the packaging of the new ideas, getting investment from Wall Street and everything. He created the entire gateway for the modern technological corporation, I think. Dean: I think that's amazing, very nice. I like to look at the. I like to trace the timelines of something right, like when you realize it's very interesting when you think and you hear about the lore and you look at the accomplishments of someone like Thomas Edison or Leonardo da Vinci or anybody, you look at the total of what you know about what they were able to accomplish, but when you granularly get down to the timeline of it, you don't, like you realize how. I think I remember reading about da vinci. I think he spent like seven years doing just this one uh, one period of projects. That was uh, um. So he puts it in perspective right of a of the, the whole of a career, that it really breaks down to the, the individual, uh chapters, that that make it up, you know, yeah, and it's funny, I've written about somebody, Jim Collins the good to great author. I heard him. His kind of hero was Peter Drucker and he remembers going to Peter Drucker and he had a bookshelf with all of his books. I think he had like 90 books or something that he had written, Peter Drucker, and he had them. Jim Collins set them up on his bookshelf and he would move a piece of tape that shows his current age against the age that Peter Drucker was when he had written those things and he realized that at you know, 50 years old, something like you know, 75% of Peter Drucker's work was after that age and even into his 80s or whatever. Dan: Yeah, most of my work is after 70. I was just going to say yeah, exactly, I look at that. You look at all of the things and then at 70, yeah, yeah, the actual stuff I've created is really yeah, that's when I really started to produce a lot after 70. Dean: Mm-hmm. Dan: Yeah, a lot of R&D. I did a lot of R&D. Dean: Right. Dan: Exactly, yeah, yeah, yeah. And you know, my goal is that 80 to 90 will be much more productive than 70 to 80. Yeah, I was talking to someone today interesting, very interesting physical fitness guy here in Toronto and he's a really great chiropractor so he's working. So I have I'm making great progress with the structural repair of my left knee. But there's all sorts of functional stuff that has to come along with it and he's my main man for doing this. But he was talking, he's 50, and he said you know, my goal is that 60 to 70 is going to be my most active part of my life, you know, from mountain climbing to all these different really high endurance athletics and sports, and so we got talking and I just shared with him the idea that the real goal you should have or which covers a lot of other areas is that, if you're like my goal for 90, I'm just going on 81, my goal for 90 is that I'm more ambitious at 90 than I am at the present. Dean: And. Dan: I said that's what that almost seems impossible, impossible well, well it is if you're just looking at yourself as a single individual yeah but if you're looking at yourself as someone who has an expand team, it's actually very possible. Dean: Yeah, yeah yeah, you're mine are those potato chips no, it's a piece of cellophane wrapped around something. That was the word right Retired. And they've been retired for about five years or so and I hadn't seen them in a couple of years. But it's really interesting to, at 72, the uh, you know the, just the level you can tell just physically and everything mentally, everything about them. They're on the, the decline phase of the thing they're not ramping up. You know, like just physically they are, um, you know they're, they're big, um cruisers. You know they've been going on cruises now every every six weeks or so, but, um, but yeah, no, no, uh, no more golf, no more. Like you see, they're intentionally kind of winding things down, resigning to the yeah. Dan: Yeah, it's very interesting. I don't know if you caught it in the news. It was, I think, right at the end of January. But you know the name Daniel Kahneman. Dean: I know the name. Yeah, thinking fast and slow. Dan: Fast thinking slow yeah, he committed suicide in Switzerland. Dean: I did not know that. When was that he? Dan: was 90 years old, I think it was January 28th. Dean: And it was all planned out. Dan: It was all planned out and he went to Switzerland to do it, because they have the legal framework where you can do that and everything else. And I found it so interesting that I did a whole bunch of perplexity searches and I said, because he was very influential, I never read his book, because I read the first five or 10 pages and it just didn't seem that interesting to me and it seemed like he had. You know that he's famous for that book and he's famous for it, and it seemed to be that he's kind of like a one trick pony. You know, he's got a great book that really changed things. And then I started looking. I said, well, what else did he do besides that one book? And it's not too much. And he did that, you know, 40 years ago. It was sort of something he did 40 years ago. Dean: Wow. Dan: And I just said gee, I wonder if he, you know, he just hasn't been real productive. Wonder if he, you know, he just hasn't been real productive, not not starting in january, but he hadn't been real productive over the last 20 or 30 years and he did that. Dean: Uh, and anyway, you know, I don't know. I don't know that I've been living under a rock or whatever. I didn't even realize that this was a real thing. I have a good friend in Canada whose grandfather is tomorrow scheduled for assisted. It's a big thing in Canada. Dan: Canada is the most leading country in incidents of people being assisted in committing suicide. Dean: Yeah, and. Dan: I have my suspicions. It's a way for the government to cut checks to old people. You know like assist them to leave. You know I mean it's just. What a confusing set of emotions that must bring up for someone you love. Confusing and disturbing about his committing suicide and it's really a big topic, you know, because he was saying you can always get on top of whatever you're experiencing and get useful lessons from it, right? Dean: and I said. Dan: I said, well, you must have reached an empty week or something. You know I I don't know what, what happened I, you know I mean right and uh, cause I I'm finding um the experience of being 80, the experience of being 70 and 80, very, very fruitful for coming up with new thoughts and coming up with new ideas right, you know and what, what is still important when you're uh, you know, still important when you're. you know what is even more important and what is even more clear when you're 80. That wasn't clear when you were 50 or 60. I think that's a useful thought. You know that's a useful thought, yeah, but it's really interesting. I never find suicide is understandable. Dean: I know, yeah, I get it. I see that you think about that too. I've had that. I've had some other people, my cousin, years and years ago was the first person kind of close to me that had committed suicide, and you know. But you always think it's just like you, I can't imagine that like I. I can imagine, uh, just completely like disappearing or whatever you know starting off somewhere else, like complete, you know, reset, but not something that that final, you know. Dan: You know, I can understand just extreme, intolerable pain you know, I mean. I can, I can, I can totally get that. Dean: Yeah, yeah. Dan: Yeah, I mean, it's just you. You just can't go through another day of it. I I just totally understand that but, where it's more of a psychological emotional you get a, got yourself in a corner and that, uh then, um, you know, I don't really, um, I don't really comprehend what's going on there. You know, I I obviously something's going on, but I you know, I, I obviously something's going on, but I, just from, I've never had a suicidal thought. I mean, you know, I've had some low points, I've had some, but even on my low points I had something that was fun that day you know Right Right, right Right. Or I had an interesting thought. Yeah, right. Dean: Yeah, yeah, yeah, yeah. Well, I'm yeah, yeah, yeah yeah, yeah. Dan: Well, I'm glad we hit on that topic because I said, you may think I know that the person doing it has a completely logical reason for doing it. It's just not a logic that can be explained easily to other people yeah, when you're not in that spot. I get it, yeah, yeah, yeah, yeah anyway this was a good one. This was a good one. Yeah, now okay, wait actually yeah, I'll be calling from chicago next week. Dean: Okay, perfect I'll be here, yeah, um, yeah, I want to. I'd love to, um, if we remember, and if we don't, that's fine too, but if we remember, you brought up something the I would love to see and maybe talk about the difference between uh, you know, between 60, 70, 80, your thoughts of those things. Yeah, you're getting to that point I'm 22 years behind you, so I'm just turning 59 right before you turn 81. Dan: So that'd be something I'll put some thought to it. I love it. Dean: Okay. Dan: Perfect, thanks, dan. All right, okay, thanks, bye.

In this episode of Hashtag Trending, host Jim Love covers the new AI partnership between Databricks and Anthropic, a significant reduction of US scientists due to funding cuts, and Honda's 30% reduction in assembly line workers through AI and robotics. The show highlights Databricks' incorporation of Anthropic's AI models into their platform, the potential brain drain in the US scientific community, and Honda's advanced AI-driven automation in its China EV plant. Following the news, Jim Love interviews Licenia Rojas, Senior Vice President and Chief Architect at TD Bank. Rojas shares her journey in tech, insights into building inclusive and innovative cultures, and the importance of continuous learning, mentorship, and maintaining a customer-centric approach to technological advancements. 00:00 Introduction and Headlines 00:37 Databricks and Anthropic Partnership 02:59 US Scientists Contemplating Relocation 04:46 Honda's AI-Driven Automation 07:38 Interview with Nia Rojas from TD Bank 09:20 Licenia Rojas' Career Journey 12:51 The Importance of Mentorship and Learning 22:50 The Role of Chief Architect at TD Bank 24:25 The Evolution of Technology Architecture 26:44 The Myth of Long-Term Planning 27:05 Balancing Short-Term and Long-Term Goals 28:22 Outcome-Focused Architecture 28:41 Innovation and Experimentation at TD 30:42 Defining and Achieving 'Good' 32:11 Human-Centric Innovation 34:21 Employee Engagement and Idea Platforms 36:15 Overcoming Cynicism in Tech 39:16 Exciting Emerging Technologies 40:36 Security in Architecture 44:00 AI and Human Productivity 46:31 Career Advice for Aspiring Technologists 49:41 Conclusion and Final Thoughts

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Crystal Trout is a director with Baker Tilly's Risk Advisory practice. Justin and Crystal discuss her career in anti-money laundering compliance, and what brought her to consulting. They discuss the elements of AML compliance and how the need for it stretches beyond financial institutions to any sector that involves large transactions, including virtual digital assets and investing. They talk about the $3 billion settlement TD Bank entered into with regulators in October of 2024 and the messages that sends both to financial institutions and money criminals. Listen to Crystal's advice to risk professionals who may oversee large transactions. Key Takeaways: [:01] About RIMS and RIMScast. [:15] Public registration is open for RISKWORLD 2025! Engage Today and Embrace Tomorrow with RIMS at RISKWORLD from May 4th through May 7th in Chicago, Illinois. Register at RIMS.org/RISKWORLD. [:31] About this episode of RIMScast. Crystal Trout of Baker Tilly and I will discuss how Anti-Money Laundering regulations are impacting the risk profession. [:56] RIMS-CRMP Workshops! As part of RIMS's continuing strategic partnership with Purima, we have a two-day course coming up on April 22nd and 23rd. Links to these courses can be found through the Certification page of RIMS.org and this episode's show notes. [1:15] Virtual Workshops! On April 16th and 17th, Chris Hansen will lead “Managing Worker Compensation, Employer's Liability, and Employment Practices in the U.S.” [1:29] On June 12th, Pat Saporito will host “Managing Data for ERM” and will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:44] A link to the full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's show notes. [1:55] RISKWORLD registration is open. Engage Today and Embrace Tomorrow, May 4th through 7th in Chicago. Register at RIMS.org/RISKWORLD. Also, remember that there will be lots of pre-conference workshops being held in Chicago just ahead of RISKWORLD. [2:14] These courses include “Applying and Integrating ERM,” “Captives as an Alternate Risk Financing Technique,” “Contractual Risk Transfer,” “Fundamentals of Insurance,” “Fundamentals of Risk Management,” RIMS-CRMP Exam Prep, and more! The links are in the show notes. [2:38] Money laundering should be one of the top risks on your risk radar, especially in 2025 as new regulations are added or rolled back. Some high-profile resolutions have made recent headlines. [2:51] To help me make sense of it all for the RIMScast audience, here is the Director of Baker Tilly's Risk Advisory Practice, Crystal Trout. Crystal has more than 23 years of experience working with financial institutions with a focus on financial crimes compliance. [3:08] We're going to talk about anti-money laundering (AML) programs and get some best practices for implementation and reporting. [3:18] Interview! Crystal Trout, welcome to RIMScast! [3:33] Crystal Trout is a director with Baker Tilly's Risk Advisory Group. She joined Baker Tilly after having worked in financial crimes risk for over 23 years. Previously, she was in the financial institution space. [3:51] Crystal switched to consulting to help other financial institutions build out their AML compliance programs and ensure that they're in a good spot for regulatory exams. [4:19] Crystal tells how she was drawn to anti-money laundering. In high school, she had an internship with a financial institution, and it was robbed. [4:37] When the FBI was doing their investigation, Crystal was trying to understand what they were doing and how they were going to catch the robber. She was so fascinated by the process that she changed what she went to school for and altered her career path.  [5:09] Crystal's interest in understanding how fraudsters and money launderers act led her to use her banking career to work in the back office and investigation space. [5:38] Crystal says the institution used dispensers that limited cash, and the robbers only got $500. Because of the weapon they used, the robbers got a massive sentence at trial. [6:38] Crystal explains the current AML environment. Baker Tilly is staying close to any regulatory changes. The complexity of regulations is extensive. It's critical that professionals in this space stay close to the challenges that extend even beyond the regulatory requirements. [6:59] We're seeing more changes in regulations than we have historically had, Crystal observes. It's a matter of understanding the landscape, staying close to the changes, and trying to predict which direction they may go and plan for either direction. The key is planning and not waiting. [7:32] Crystal suggests you should hope for the best and plan for the worst. Make sure that you're prepared to go in either direction, whether regulations are rolled back or strengthened. [7:57] Justin recalls that TD Bank reached a $3 billion settlement with U.S. regulators in October 2024, pleading guilty to failing to maintain an adequate AML program, which unfortunately led to the facilitation of money laundering activities. That's a huge penalty, Crystal points out. [8:37] This event provides valuable insight for risk professionals regarding regulatory expectations and also the consequences of inadequacies in their programs. [8:49] People need to understand that they can't be lackadaisical in their compliance program. They need to be ahead of it. It's all about preparation and planning.  [9:03] In the TD Bank case, regulators had identified substantial weaknesses in the overall transaction monitoring system and due diligence procedures. [9:17] TD Bank had allegedly failed to allocate the resources needed to operate their AML program, but they continued to have significant growth within their higher-risk customer segment and geographical region. [9:35] TD Bank wasn't staying ahead and keeping current with its customer base and the risks that were taking place. Beyond the penalty, TD Bank has expenses for remediation efforts, enhanced compliance infrastructure, and independent monitoring. All of these are added costs. [9:57] Financial institutions may fail to realize the costs that happen beyond the penalty. They may say it costs too much to add the staffing or build the correct tools, not realizing it will cost them more when the regulators find these faults and weaknesses within their program. [10:18] A key lesson to learn is that compliance programs must be able to scale appropriately with the institution's business growth and evolving risk profiles. [10:30] Regulators focus on the overall program effectiveness rather than mere technical compliance, particularly regarding the quality of suspicious activity identification and reporting. [10:41] It's important for institutions that have to comply with these programs to be proactive and make sure they have the correct resource allocation. Those things are key when it comes to ensuring that AML compliance programs operate effectively. [11:11] There are five key pillars involved in an AML compliance program, including a designated compliance officer and following customer due diligence. You build an AML Bible, with paperwork that documents the steps you're going to take to be in compliance. [11:39] It allows your people to understand the risk that the institution is willing to take, and what it's not willing to accept. You document everything as evidence base for regulators, as having the correct tools and technology to support the program's overall risk tolerance. [12:33] Justin and Crystal address the reputational risk to an institution that may come from a regulatory settlement. Crystal states that these settlements signal to the bad guys that they are going to be caught and they're not going to be able to continue to act at that institution. [13:14] Crystal tells about the bank robber. For prevention, when someone comes into the bank, make eye contact, talk to them, and acknowledge them. If they're scouting it out, there's a lot less chance they'll come back to that bank because they are being noticed. [13:37] A criminal may not physically be in the bank, but if you do due diligence up front when they open an account, asking the right questions, and looking for red flags, they may realize that you have a very strong AML program in place and they'll go elsewhere. [14:07] Plug Time! RIMS Webinars! On April 3rd, join Zurich for “Understanding Third-Party Litigation Funding”. On April 10th, Audit Board will present “What CISOs Want Risk Executives to Know About Cyber Risk in 2025”. [14:24] Following the success of their recent webinar, HUB International returns for the next installment of their Ready for Tomorrow Series, “From Defense to Prevention: Strengthening Your Liability Risk Management Approach”. That session will be on April 17th. [14:40] On April 24th, RiskConnect returns to deliver “Better Together: The Marriage of Insurable Risk and Business Continuity”. [14:48] More webinars will be announced soon and added to the RIMS.org/webinars page. Go there to register. Registration is complimentary for RIMS members. [14:59] Important Announcement! RIMS and the Institute of Internal Auditors have entered into an agreement to deliver a selection of the other group's educational programming to their members. Twenty-nine shared courses will be available to both association's members. [15:17] RIMS members can explore the IIA courses that are now available to them at See Courses Here. To access RIMS's complete selection of workshops, webinars, and courses, visit RIMS.org/Education. [15:35] Let's Return to my Interview with Crystal Trout! [15:50] Are risk professionals who are not at financial institutions at risk of inadvertently being caught up in a money laundering crime? Crystal says this question is in the back of the mind of any risk professional. She remembers that running an AML compliance program is stressful. [16:22] There's always the risk that a chief compliance manager could be cited for a failure and have to pay a significant, hefty fine. A risk manager should be aware of this when they're performing any form of transaction. Listen to your gut if something seems off. Don't ignore it. [17:26] Is paying in cryptocurrency a red flag? Navigating AML compliance specifically regarding cryptocurrency is new for a lot of professionals. There are risks and benefits to digital assets concerning AML compliance. [17:54] With any evolving form of payment, if risk professionals aren't staying ahead, truly understanding and navigating how it works, it's going to make it difficult for them to understand red flags and risks that might come, as well. [18:13] There is sometimes a natural fear in risk professionals that because they're not comfortable with cryptocurrency, they're not able to address any legitimate concerns or concerns that may be their internal fear due to the lack of knowledge. [18:45] Is it too risky for a company to announce the voluntary departure of a Chief Compliance Officer? Crystal says the company should already have a plan for somebody to temporarily step in and continue to operate so it doesn't leave a gap or exposure in the organization. [19:22] It's an opportunity for a risk professional to go into a financial institution and make a mark for themselves by helping the institution strengthen its overall compliance program. [19:49] It's a good practice for a company to announce the replacement chief compliance officer at the same time as the announcement of the leaving chief compliance officer. It's part of succession planning. [20:47] The money laundering risk landscape is expanding significantly. Industries outside of finance and banking face substantial financial crime risk and corresponding regulatory scrutiny. They have less mature compliance infrastructure than their banking counterparts. [21:07] Crystal mentions the real estate sector as a potential vehicle for money laundering due to the high-value transactions, price stability, and the lack of historical regulatory oversight. [21:19] Digital asset providers, cryptocurrency exchanges, wallet providers, and any type of virtual asset service providers face intensifying regulatory scrutiny because the platforms can facilitate anonymous transactions. [21:35] The Financial Action Task Force has established clear expectations for virtual asset service providers to implement robust AML controls. Gaming and gambling services present money laundering risk. [21:53] There are other high-risk sectors that money laundering risk could expand to. FinCEN recently required registered investment advisors and exempt reporting advisors who have not been required to have an AML compliance program to have one in place by January 2026. [22:22] We're seeing AML compliance extend beyond traditional banking. [22:34] There are very few industries that, in some form or fashion, could not be a victim of a bad actor performing money laundering. It's just a matter of the bad guy finding a way to do it. [23:09] What steps should a company take when money laundering by an employee is discovered? The appropriate officer needs to start an internal investigation. That's a lengthy process. Make sure the “i”s are dotted and the “t”s are crossed within the investigation. [23:47] Make sure all the evidence and documentation are aligned. Involve HR and the appropriate supervisor authority. If it's shown to be true, interview the individual. It could lead to termination. The investigative process could take months. The authorities may be alerted. [24:39] The company may not want it out in public knowledge and may not file a police report. It can damage a company's reputation. [25:00] Crystal explains her passion for AML compliance and why she became a compliance consultant to help more institutions. The downstream impact is so significant. She wants to make sure the bad apples don't have the opportunity to launder funds. [25:54] Special thanks again to Crystal Trout for joining us here on RIMScast. I've got links to more RIMS coverage of fraud, compliance, financial risk management, and anti-money laundering in this episode's show notes. [26:09] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [26:38] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [26:55] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [27:13] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [27:30] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [27:44] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [27:51] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RISKWORLD 2025 — May 4‒7 | Register today! Nominations for the Donald M. Stuart Award [Canada] Spencer Educational Foundation — General Grants 2026 — Application Dates Spencer's RISKWORLD Events — Register or Sponsor! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now Announcement: RIMS and The Institute for Internal Auditors' Strategic Alliance on Education RIMS Webinars: RIMS.org/Webinars “Understanding Third-Party Litigation Funding” | Sponsored by Zurich | April 3, 2025 “What CISOs Want Risk Executives to Know About Cyber Risk in 2025” | Sponsored by Auditboard | April 10, 2025 “Ready for Tomorrow? From Defense to Prevention: Strengthening Your Liability Risk Management Approach” | Sponsored by Hub International | April 17, 2025 “Better Together: The Marriage of Insurable Risk and Business Continuity” | Sponsored by Riskonnect | April 24, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | April 22‒23 Full RIMS-CRMP Prep Course Schedule   Upcoming Virtual Workshops: “Managing Worker Compensation, Employer's Liability and Employment Practices in the U.S.” | April 16‒17 | Instructor: Chris Hansen “Managing Data for ERM” | June 12 | Instructor: Pat Saporito  “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “RIMS Legislative Priorities in 2025 with Mark Prysock” “AI and Regulatory Risk Trends with Caroline Shleifer” “Financial Risk Management with Chris Willey of American Eagle FCU” “Maintaining an Award-Winning ERM Program with Michael Zuraw” “ERM in Banking & Finance with Eleni Willis”   Sponsored RIMScast Episodes: “Understanding Third-Party Litigation Funding” | Sponsored by Zurich (New!) “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog (New!) “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring Walmart ERM Director Michelle Black!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Crystal Trout, Director, Risk Services Advisory Group at Baker Tilly   Production and engineering provided by Podfly.  

Andrew Warren, head of TD Bank's affordable housing and community development lending team, shares his expertise in structuring impactful loans for community-driven projects across … Read More

What does it take to succeed in Ontario's competitive private lending market? In this episode of The Canadian Private Lenders Podcast Ryan and Neil are joined by James Grantis, Co-Founder and Director of Investments at Hosper Mortgage. James shares his journey from banking to private lending, offering insights into building a strong business. He discusses the value of broker relationships, effective branding, and focusing on smaller residential loans for long-term growth. James also highlights how technology and automation can streamline operations, manage risk, and drive efficiency. Tune in to learn key strategies for scaling a private lending business and staying resilient in the ever-changing mortgage industry.Show notes: 02:10 – James's transition from TD Bank to private lending career.04:10 – How James's early exposure to real estate shaped his career.06:00 – The value of relationships in private lending and trust.08:20 – The decision to go all-in on private lending full-time.10:10 – Initial challenges and growing pains faced when starting Hosper Mortgage.12:30 – Importance of not betting the business to protect stability.14:50 – How branding evolved and the importance of rebranding Hosper.16:00 – Overcoming legal challenges, including trademark issues with the company's name.18:10 – How starting as a syndicate helped prove the concept.21:00 – Using a Mortgage Investment Corporation (MIC) for long-term growth.23:30 – Focus on residential single-family homes as core lending strategy.26:00 – Why loans under $1.5M are central to their business.30:00 – Balancing larger loans with smaller, high-volume residential deals.35:00 – Managing risk through diversified but smaller loan sizes.40:30 – The value of working with brokers to source consistent deals.45:00 – Technology and automation transforming how private lenders operate.52:50 – Why mortgages are still an exciting industry despite being a “commodity”Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind James on:Linked - https://www.linkedin.com/in/james-grantis/Website - https://hospermortgage.com/Find Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

Major U.S. banks, including Chase, Bank of America, and Wells Fargo, have closed 145 branches in five weeks, signaling a shift towards digital services. From February 7 to March 14, banks reported closures to the Office of the Comptroller of the Currency. Flagstar Bank led with 44 closures, followed by TD Bank with 38. Bank of America added nine closures, totaling 168 in 2024. This trend highlights decreasing reliance on physical branches as customer preferences evolve.  

BUY GOLD HERE: https://firstnationalbullion.com/schedule-consult/ Avoid CBDCs and work with Mark Gonzales! GET NON-MRNA FREEZE DRIED MEAT HERE: https://wambeef.com/ Use code WAMBEEF to save 20%! GET HEIRLOOM SEEDS & NON GMO SURVIVAL FOOD HERE: https://heavensharvest.com/ USE Code WAM to save 5% plus free shipping! Josh Sigurdson talks with Mark Gonzales about the historic retail apocalypse taking place right now as over 20,000 businesses go under and major, beloved brands either close all locations or at least a large percentage of them. From Joann Fabrics closing all remaining locations to Hooters going bankrupt. From Dollar General cutting a massive number of locations to McDonald's implementing AI while raising the price of the Big Mac dramatically. It's obvious that with the usually cheap brands becoming unaffordable due to inflation at the same time as monopolies getting bigger that we are in a historic crisis that can lead to a digital system of governance and corporations. Technocracy. Similarly, countless banks are closing their doors as well including many TD Bank locations in the United States. This signifies the importance of getting prepared financially so you aren't dependent on the system later. They will take your money from you as bail in retimes are implemented. They will ration things to you including food and the grid. It's your responsibility to step out of the line of fire. Stay tuned for more from WAM! Get local, healthy, pasture raised meat delivered to your door here: https://wildpastures.com/promos/save-20-for-life/bonus15?oid=6&affid=321 USE THE LINK & get 20% off for life and $15 off your first box! GET YOUR APRICOT SEEDS at the life-saving Richardson Nutritional Center HERE: https://rncstore.com/r?id=bg8qc1 SIGN UP FOR HOMESTEADING COURSES NOW: https://freedomfarmers.com/link/17150/ Get Prepared & Start The Move Towards Real Independence With Curtis Stone's Courses! GET YOUR WAV WATCH HERE: https://buy.wavwatch.com/WAM Use Code WAM to save $100 and purchase amazing healing frequency technology! GET ORGANIC CHAGA MUSHROOMS HERE: https://alaskachaga.com/wam Use code WAM to save money! See shop for a wide range of products! GET AMAZING MEAT STICKS HERE: https://4db671-1e.myshopify.com/discount/WAM?rfsn=8425577.918561&utm_source=refersion&utm_medium=affiliate&utm_campaign=8425577.918561 USE CODE WAM TO SAVE MONEY! GET YOUR FREEDOM KELLY KETTLE KIT HERE: https://patriotprepared.com/shop/freedom-kettle/ Use Code WAM and enjoy many solutions for the outdoors in the face of the impending reset! HELP SUPPORT US AS WE DOCUMENT HISTORY HERE: https://gogetfunding.com/help-wam-cover-history/ PayPal: ancientwonderstelevision@gmail.com FIND OUR CoinTree page here: https://cointr.ee/joshsigurdson JOIN US on SubscribeStar here: https://www.subscribestar.com/world-alternative-media For subscriber only content! Pledge here! Just a dollar a month can help us alive! https://www.patreon.com/user?u=2652072&ty=h&u=2652072 BITCOIN ADDRESS: 18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU World Alternative Media 2025

TD Bank went from being almost nonexistent in the US in 2000 to the country's 10th-largest bank today. But last year, due to loose monitoring of shady clients, TD's American subsidiary became the first US bank ever to plead guilty to conspiracy to commit money laundering, agreeing to pay $3.1 billion dollars in fines. That Bloomberg report in the Market Intel Segment, then Shelley Grandidge joins us to talk about Medicare strategies--MASTERING MONEY  is on the air!!!

Wednesday March 5, 2025 Guidepost Solutions Chosen as TD Bank Monitor

What makes Cape Cod a welcoming, meaningful, and substantive place to visit? The arts. Unfortunately, the region's housing crisis has made it increasingly more difficult for artists to live, work, and create here. State Senator Julian Cyr returns to the CX Podcast to discuss these challenges and how last year's landmark legislation, the Affordable Homes Act, will give Cape Cod and the Islands the tools to keep creatives here through the Seasonal Communities designation which prioritizes housing for artists.   Today's sponsors:  William Raveis Real Estate, The official real estate company of the AFCC, South Shore Playhouse Associates - Also known as the Melody Tent, TD Bank, John K. & Thirza F. Davenport Foundation,  Cooperative Bank of Cape Cod,  Donald C. McGraw Foundation, Eastern Bank, Cape Cod 5. Learn more about the Creative Exchange!  Learn more about the Arts Foundation of Cape Cod.  The Arts Foundation's mission is to support and strengthen a vibrant and diverse arts and cultural sector for everyone in the region. Get involved!

In this explosive episode, Michael Jaco sits down with former deputy sheriff Shawn Taylor, a relentless truth-seeker known as the "Conspiracy Cop," to unveil a chilling web of corruption that spans governments, banks, and elite institutions. From massive money laundering operations in Canada to election fraud, human trafficking, and political warfare, this discussion pulls no punches in exposing the dark forces working to dismantle the U.S. Constitution and the American Republic. Shawn reveals shocking details about how TD Bank, RBC, and other financial giants are funneling illicit funds, enabling cartels, the Chinese Communist Party, and global power players to manipulate real estate markets, rig elections, and tighten their grip on society. The conversation dives deep into Canada's hidden role as a hub for criminal enterprises, and how these schemes are fueling everything from the 2008 financial crisis to today's political chaos. But that's just the beginning. The speakers expose how human and drug trafficking rings are thriving in Nashville, where corporate-backed urban development threatens to turn the city into a controlled hive of surveillance and social engineering. They connect the dots between Ukrainian operatives, deep state agendas, and the financial war being waged against the American people. Facing relentless media smear campaigns, government intimidation, and even threats to their own safety, Shawn and Michael refuse to back down. They're sounding the alarm before it's too late—calling on patriots, truth warriors, and everyday citizens to rise up, take action, and reclaim their country. Will you wake up before the system locks you down?

Scott Monty is an executive coach, advisor, and speaker who helps leaders find clarity and drive growth. A former executive at Ford, he merged technology with humanity to shape the company's global social media strategy. Ranked by The Economist as a top social business leader, Scott focuses on timeless leadership principles to guide today's leaders. He's also the host of the Timeless Leadership podcast and writes the Timeless & Timely newsletter. Tune in for insights on navigating leadership in a fast-changing world. About Scott Monty Scott Monty is an executive coach, advisor, and public speaker who  helps companies and executive teams in flux, positioning leaders who are new or stuck to find a clear vision, collaborate, and communicate better to drive growth. A Fortune 10 leader whose background in classics positioned him to see through the shiny objects, Scott focuses on timeless human nature that drives everyone. He was ranked by The Economist as #1 atop the list 25 Social Business Leaders and Alan Mulally, the CEO of Ford Motor Company, called him “a visionary.” Scott spent six years as an executive at Ford, where he helped turn the company around with the ability to merge technology with humanity. He served as a strategic adviser across a wide range of business functions, leading the company's global social media strategy. He also has another two decades of experience in leadership and communications consulting. Scott's clients have included companies such as Walmart, IBM, McDonalds, Coca-Cola, Google, and TD Bank. He is a trustee of the Detroit Symphony Orchestra, a past board member of the American Marketing Association, and has advised a number of tech companies. He writes the Timeless & Timely newsletter, to help leaders make sense of today with lessons from the past, and hosts the Timeless Leadership podcast. From the Show Alan Mulally's Twitter chat. As discussed during the show, here's a link to the Twitter Q&A Scott facilitated with former Ford CEO Alan Mulally back in 2009. What brand has made Scott smile recently? Scott highlighted Delta, specifically Ed Bastian's leadership throughout this past difficult week for the brand. The airline's authentic, transparent leadership consistently makes him smile. Connect with Scott on LinkedIn and check out his website for his newsletter and more timeless content. As We Wrap … Listen and subscribe at  Apple Podcasts, Spotify, Amazon/Audible, Google Play, Stitcher, TuneIn, iHeart, YouTube, and RSS. Rate and review the show—If you like what you're hearing, be sure to head over to Apple Podcasts and click the 5-star button to rate the show. And, if you have a few extra seconds, write a couple of sentences and submit a review to help others find the show. Did you hear something you liked on this episode or another? Do you have a question you'd like our guests to answer? Let me know on Twitter using the hashtag #OnBrandPodcast and you may just hear your thoughts here on the show. On Brand is a part of the Marketing Podcast Network. Until next week, I'll see you on the Internet! Learn more about your ad choices. Visit megaphone.fm/adchoices

FairPlay, a “fairness as a service” startup is launching an index tool in Q3 of this year that shows financial institutions how their underwriting affects consumers.Los Angeles-based Fairplay uses AI-powered data analytics software to help FIs assess the accuracy of their automated loan decision models and provides them with metrics to help identify potential biases, Kareem Saleh, founder and chief executive at FairPlay, tells Bank Automation News in this episode of “The Buzz” podcast.Saleh was named one of BAN's executives to watch in 2024.“Fundamentally, what we do is help financial institutions stress test their AI, identify blind spots in their AI and then correct those blind spots,” Saleh says. “And what we find is that something like 25% to 33% of the folks that financial institutions declined probably would have performed as well as the riskiest folks they approve.”Since being founded in 2020, FairPlay has raised $14.5 million toward its tech, according to the online financial database Crunchbase.Keeping data in checkBut even AI-powered decisioning algorithms require careful examination of the datasets they use, Saleh says.“The conventional wisdom is that AI stands for ‘artificial intelligence,' but it can sometimes also stand for ‘accidentally incorrect,'” he says. “If you don't have a real clear-eyed view about this bias in the algorithms to overfit to the data, then you might miss the blind spots.”5 questions for complianceThe Consumer Financial Protection Bureau in June 2024 approved a rule requiring FIs that use algorithmic appraisal tools to ensure compliance with nondiscrimination laws.Multiple lenders received fines from federal regulators for unfair lending practices in the past two years, including $2.6 trillion Bank of America, $2.4 trillion Citi and $560.5 billion TD Bank.FairPlay's software enables FIs to answer these questions to help ensure compliance:Is this algorithm fair?If not, why not?Could the algorithm be fairer?How could being fairer economically affect our business?Did we double-check declined loan applications for undeserved denials?Three of the top 10 largest banks are already using FairPlay fair lending analysis software. The names of the banks were not disclosed, but the top three banks by asset size are $4 trillion JPMorgan Chase, followed by the aforementioned Bank of America and Citi.Its newest partner, $7.6 billion Pathward Financial, was added Feb. 18, Saleh says.“Banks that use our software are often able to increase their approval rates by 10%, increase their take rates by 13% and increase positive outcomes by 20%,” he says.Listen to this episode of “The Buzz” podcast as Saleh discusses how banks can leverage AI to improve loan approval rates.Subscribe to The Buzz Podcast on iTunes or Spotify, or download the episode.  

What's the secret to life? For visionary designer Ken Fulk of Provincetown, it's in the power of saying yes. As he shares with host Julie Wake in this episode of the Creative Exchange, “Yes is such a glorious, intoxicating, exciting place to live.” It's what has led Fulk to new discoveries, incredible journeys, and unbelievable opportunities, all as he's built a magical career that reimagines how the spaces we live, work, and play in should operate.    Today's sponsors:  William Raveis Real Estate, The official real estate company of the AFCC, South Shore Playhouse Associates - Also known as the Melody Tent, TD Bank, John K. & Thirza F. Davenport Foundation,  Cooperative Bank of Cape Cod,  Donald C. McGraw Foundation, Eastern Bank, Cape Cod 5. Learn more about the Creative Exchange!  Learn more about the Arts Foundation of Cape Cod.  The Arts Foundation's mission is to support and strengthen a vibrant and diverse arts and cultural sector for everyone in the region. Get involved!  

This podcast is a recording of the panel Ralph Bumbaca, Regional President – Metro New York for TD Bank, moderated at Ariel's February 5th Coffee & Cap Rates event hosted by TD Bank. The panel of affordable housing experts Eli S. Weiss, Principal of Joy Construction; Tell Metzger, SVP of Equity Investments at Community Preservation Corporation; and Brendan McBride, Senior Development Director at Gilbane Development Company shared their unique perspective on New York City's commercial real estate market, with a particular focus on new housing policies and opportunities in the affordable multifamily sector.Over 200 NYC real estate professionals attended the networking breakfast held at TD Bank's conference center at One Vanderbilt. More information about the event is available here.

This podcast is a recording of the overview of the New York City investment sales market and key insights from Ariel Property Advisor's newly released end-of-year research reports that Shimon Shkury, Ariel's President and Founder, presented at the firm's February 5th Coffee & Cap Rates event hosted by TD Bank. Over 200 NYC real estate professionals attended the networking breakfast held at TD Bank's conference center at One Vanderbilt. More information about the event is available here.

How is AI revolutionizing financial crime detection? In this informative episode, host Nicole Jansen engages in a deep conversation with Peter Reynolds, the visionary CEO of ThetaRay. As an industry leader in AI-powered anti-money laundering, Peter and his team are on a mission to reshape financial crime detection. Dive into this episode to understand how AI is transforming the banking sector by accurately detecting illicit activities while ensuring financial inclusion in developing nations. Peter provides a captivating exploration of Theta Ray's cutting-edge solutions as he demystifies the complexities of AI technology for listeners who may not be tech-savvy. Discover how AI is utilized to streamline processes, reduce false positives in Anti-Money Laundering (AML) compliance, and enhance the way institutions handle financial transactions on a global scale. This episode will equip business leaders and entrepreneurs with the knowledge they need to embrace technology ethically and effectively. Learn about real-world implications from TD Bank's case and the inefficiencies of legacy systems and gain insights from Peter's journey at the helm of an innovative tech company. Key Takeaways Theta Ray's mission in AI-powered anti-money laundering. How legacy systems are failing in detecting financial crimes. The benefits and future potential of AI in money laundering detection. Impacts and lessons learned from TD Bank's recent financial sector fines. Simple explanations of how AI differentiates between normal and abnormal transactions. How small-to-medium businesses can benefit from AI technologies. Peter's transition from law to fintech and leadership strategies. Regulatory considerations and AI's integration in various markets. The evolution of AI blending cognitive understanding with machine learning. Country-specific challenges in implementing AI-driven solutions. Podcast Highlights 0:00 - AI Revolution in Financial Crime Detection 6:17 - AI Enhances Financial Crime Detection 9:55 - Legacy Systems in Banking 12:36 - Bank Inaction Despite Resources 15:06 - Streamlining Remittances with AI Technology 20:38 - Navigating Regulatory Compliance in AI 23:08 - AI Reduces AML False Positives 24:30 - Human-AI Collaboration for Decision-Making 30:53 - African Business Expansion & Compliance 33:40 - Understanding Fraud Prevention Insights 36:00 - Expand Your Perspective Favorite Quotes Mission and Vision: "Our mission is to reshape the future of financial crime detection and AML." - Peter Reynolds Legacy System Issues: "Banks have to assume something's bad all the time because they don't know it's good." - Peter Reynolds AI's Potential: "AI is really good now at being able, in a very cost-effective way with great cloud computing software, to actually identify things like financial crimes." - Peter Reynolds Episode Show Notes: https://leadersoftransformation.com/podcast/business/528-reshaping-financial-crime-detection-with-ai-with-peter-reynolds/   Check out our complete library of episodes and other leadership resources here: https://leadersoftransformation.com ________

Hier geht's zum nächsten Live-Podcast am 26.02: https://berlin.premiumkino.de/film/ohne-aktien-wird-schwer-live-podcast-in-berlin Aktien + Whatsapp = Hier anmelden. Lieber als Newsletter? Geht auch. Das Buch zum Podcast? Jetzt lesen. Es gibt bald vielleicht: 2 DAX, SpringWorks-Medizin bei Merck und kein Charles Schwab mehr bei der TD Bank. Ansonsten gab's gestern: Starke Zahlen bei Monday.com, Lichtblicke bei McDonald's, Erdbeben bei TSMC und KI für alle bei BYD. Trump hat neue Stahl-Zölle. Was sagen die Stahl-Aktien? Klöckner (WKN: KC0100) freut's. Doximity (WKN: A3CS1K) ist das LinkedIn der Ärzte. Das Geile: Pharmakonzerne zahlen viel Geld, um Ärzte zu erreichen. Das spürt auch Doximity mit viel Wachstum und genialen Margen. Diesen Podcast vom 11.02.2025, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News—all from the Compliance Podcast Network. Each day, we consider four stories from the business world: compliance, ethics, risk management, leadership, or general interest for the compliance professional. Top stories include: TD Bank gets a new Global Head of Financial Crime Risk Management. (WSJ) TikTok test for corporate America. (FT) Would the SEC-CFTC merger be a win for DOGE? (Bloomberg) AI's role in compliance training. (TechRadar) For more information on the Ethico Toolkit for Middle Managers, available at no charge, click here. Check out The FCPA Survival Guide on Amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been over three months since the U.S. Department of Justice announced that TD Bank had pleaded guilty to conspiracy to commit money laundering. After paying a US$3-billion fine, Canada's second largest bank is now shaking up its senior-most ranks of leadership.Stefanie Marotta is The Globe and Mail's banking reporter. She explains what prompted the early departure of TD's CEO, how this money laundering scandal could affect TD customers and what the ripple effects might be for the entire Canadian banking industry.Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com

AI to Replace Mid-Level Developers: Meta's 2025 Plan and More AI Advancements In today's episode of Hashtag Trending, host Jim Love delves into the latest advancements in Artificial Intelligence, starting with Meta's plan to replace mid-level software engineers with AI by 2025. The episode also covers UC Berkeley's affordable AI model Sky T1, Accenture's prediction that AI agents will surpass humans as primary app users by 2030, and Anthropic's breakthrough in AI agents with direct computer control. Additionally, the UK aims to build a national AI rival to OpenAI, and TD Bank emerges as a leader in AI innovation and patent filing. 00:00 Introduction and Headlines 00:38 Affordable AI: Sky T1 32B Preview 02:27 Meta's AI-Driven Future 03:43 AI Agents as Primary App Users 05:19 Anthropic's Claude: Direct Computer Control 06:33 UK's Ambitious AI Plans 07:45 Canada's AI Potential and Challenges 09:10 Conclusion and Sign-Off 09:30 Afterword: Canadian Banking Innovation

The discussion highlights the potential for regulatory shifts, particularly around CRA and Dodd-Frank 1071, though changes may take 18-24 months. The conversation shifts to the unprecedented $3 billion penalty against TD Bank. In a press release from the  Department of Justice, Attorney General Merrick Garland said, "By making its services convenient for criminals, TD Bank became one."  The press release also said the TD Bank plea marked "the first instance of a U.S. bank pleading guilty to conspiracy to commit money laundering" and describes a situation in which "TD Bank faced systemic compliance failures, including inadequate internal controls, deficient transaction monitoring, and neglect of suspicious activity reporting, leading to extensive violations of BSA/AML regulations". The podcast underscores the importance of well-resourced and up-to-date compliance programs, as TD Bank's deficiencies highlight the consequences of prioritizing other objectives over regulatory obligations. As stated in the DOJ press release, Deputy Attorney General Lisa Monaco said, "Every bank compliance official in America should be reviewing today's charges as a case study of what not to do. And every bank CEO and board member should be doing the same. Because if the business case for compliance wasn't clear before - it should be now". Brought to you by GeoDataVision and M&M Consulting

The award-winning Compliance into the Weeds is the only weekly podcast that takes a deep dive into a compliance-related topic, literally going into the weeds to explore a subject more fully. Are you looking for some hard-hitting insights on compliance? Look no further than Compliance into the Weeds! In the first episode 2025, Tom and Matt dive into the top compliance stories that could shape the upcoming year. They begin with the politically charged corruption case involving Gautam Adani, discussing its implications under the Trump administration and the potential for the Justice Department to alter its course on this high-profile prosecution. They also explore the possibility of personal liability in the TD Bank compliance scandal, the anticipated policy shifts under SEC nominee Paul Atkins, and the future of the Consumer Financial Protection Bureau (CFPB) under a Republican administration. Additionally, they address the challenges and potential impact of the DOJ Committee's deregulation efforts and the unresolved Boeing Deferred Prosecution Agreement case's monitorship issues. Tune in to understand what compliance officers should be watching for in 2025, as these stories could have significant ramifications for corporate compliance and enforcement practices. Key highlights: Top Compliance Stories of 2025 Gautam Adani Corruption Case TD Bank Compliance Scandal Paul Atkins and the SEC Future of the CFPB DOGE Committee and Deregulation Boeing Monitorship Controversy Resources: Matt in Radical Compliance Tom Instagram Facebook YouTube Twitter LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

Police are looking for two male suspects seen running away following a stabbing and fatal shooting inside a Toronto home; robbers used an excavator to smash through a window to remove an ATM at a TD Bank in North York; and, Canadian doubles tennis star Gabriela Dabrowski revealed she was fighting breast cancer while preparing to compete at the Olympics.

Today's episode is brought to you by Gallus Insights, the go-to reporting and analytics platform for mortgage lenders and servicers. Gallus makes it easy to access real-time data, create custom reports, and uncover actionable insights—all with a user-friendly design. If you can use Google, you can use Gallus. Simplify your reporting, streamline your decisions, and drive profitability with Gallus Insights.

In this episode, Michel Falcon, a hospitality and restaurant entrepreneur known for his operational expertise, shares his journey from working in a call center for 1-800-GOT-JUNK to opening successful restaurants in Toronto and New York. He discusses key concepts like talent density and pay transparency and how they impact organizational success. Michel emphasizes the importance of a people-first culture and transparent compensation, explaining how these strategies have led to lower employee turnover and higher engagement in his businesses. The conversation highlights Michel's practical initiatives and insights that can be applied across various industries. Episode Highlights: 07:40 The Birth of Brasa Peruvian Kitchen 13:45 Navigating Challenges and Embracing Risk 18:50 The Importance of Company Culture and Customer Experience 25:26 People-First Culture Initiatives at Brasa 34:02 Pay Transparency and Its Benefits Michel Falcon is a hospitality entrepreneur, keynote speaker, and best-selling author of People-First Culture: Build a Lasting Business by Shifting Your Focus from Profits to People. Renowned for creating customer experience, employee engagement, and company culture strategies, Michel’s expertise has guided global brands like McDonald’s, TD Bank, and Lexus. As the founder of Brasa Peruvian Kitchen, he has achieved guest and employee satisfaction rates three times the industry average. A proven practitioner, Michel’s insights have driven multimillion-dollar success in his own ventures, making him a trusted voice for leaders seeking to build profitable, people-centered organizations. How to connect with Michel: Website: www.brasaperuvian.com LinkedIn: https://www.linkedin.com/in/michelfalcon/Facebook: https://www.facebook.com/profile.php?id=100017824532830Instagram: https://www.instagram.com/michelfalcon/?hl=en For more insights: Follow me on my YouTube Channel: https://bit.ly/47GgMdn Sign up for my Weekly Newsletter: https://bit.ly/3T09kVc Sign up for my LinkedIn Newsletter: https://bit.ly/49SmRV3See omnystudio.com/listener for privacy information.

Having grown up in a family filled with great cooks, it's not surprising that food is the centerpiece of Rebecca Orchant's first book, Simmering: A Kitchen Memoir, which came out earlier this year. In our latest episode of the Creative Exchange, the Provincetown purveyor of good eats – she and her husband Sean own Pop + Dutch on Commercial Street – dishes on everything from the role food plays in all aspects of our lives to writing to finding her authentic self on the Outer Cape to the sense of urgency with which she approaches life. Today's sponsors:  William Raveis Real Estate, The official real estate company of the AFCC, South Shore Playhouse Associates - Also known as the Melody Tent, TD Bank, John K. & Thirza F. Davenport Foundation,  Cooperative Bank of Cape Cod,  Wequassett Resort & Golf Club,  Donald C. McGraw Foundation, Eastern Bank, Cape Cod 5. Learn more about the Creative Exchange!  Learn more about the Arts Foundation of Cape Cod.  The Arts Foundation's mission is to support and strengthen a vibrant and diverse arts and cultural sector for everyone in the region. Get involved!  

In this episode, we start by discussing signs that we may be nearing a market peak, using examples like the catastrophic launch of the Hawk Tuah token and its striking resemblance to the speculative frenzy of 2021. Simon and Dan also break down the latest earnings reports from Canada’s Big 6 banks, highlighting the impressive performances of National Bank, Royal Bank, and CIBC, while examining the challenges faced by TD Bank. With insights into provisions for credit losses, loan impairments, and valuation metrics, this episode provides a comprehensive overview of the current state of Canada’s big banks. Tickers of stock discussed: NA.TO, CM.TO, RY.TO, TD.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

In this episode, I discuss the untimely demise of the United Health Care CEO. I discuss about how Walgreen was scamming the US Government for a decade. I talk about what major money laundering scheme TD Bank just got busted for. I also touch on the recent hack China completed on all major America Telecommunication (AT&T, Verizon, T-mobile) companies. Lastly, I give my thoughts on what went wrong in the the recent Presidential Election. Enjoy!!! If you'd like to grab some merch, canvas prints for your home or office, or see the full length video from this episode please visit dopevision.com. Follow me on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠, @dopevisionsf. Send me an email of someone you'd like to hear on the podcast at ⁠⁠⁠⁠⁠⁠⁠dopevisionsf@gmail.com⁠⁠⁠⁠⁠⁠⁠ Also, please join the Dope Vision Club at patreon.com/dopevision for early access to content and a behind the scene look of some of my episodes. While you're listening don't forget to hit the subscribe button and comment on the podcast as well my ⁠⁠⁠⁠⁠⁠⁠YouTube channel⁠⁠⁠⁠⁠⁠⁠ and turn on the notifications so you'll be notified each and every time I drop a new episode. Thanks for listening and remember it's collaboration over competition. Enjoy! When you're ready to create your beautiful website to promote your business don't forget about Squarespace and to support THE DOPE VISION EXPERIENCE PODCAST ⁠⁠⁠⁠⁠⁠⁠CLICK HERE⁠⁠⁠⁠⁠⁠⁠ to save 10% off your first subscription to your Squarespace website and use my promo code PARTNER10 at checkout ⁠⁠⁠⁠⁠⁠⁠CLICK HERE⁠⁠⁠⁠⁠⁠⁠ to get 30-day Free Premium Access to Printify use promo code ⁠⁠⁠⁠⁠⁠⁠dope vision⁠⁠⁠⁠⁠⁠⁠ If you'd like to schedule a quick 15 min meeting with me please ⁠⁠⁠⁠⁠⁠⁠Click Here⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Click Here⁠⁠⁠⁠ to checkout my rental fleet if you're in need of a rental car ⁠⁠Click Here⁠⁠ to checkout my Short Term Rental property

In this Frictionless Medicine bonus episode, you'll hear from Vipan Nicore, a seasoned physician, technology innovator, and Chief Medical Director at TD Bank. Vipan shares his journey from being a software developer at IBM to his current roles in the medical and healthcare innovation fields. He discusses his work on Homecare Hub, an innovative project focusing on small, personalized home care environments. Vipan also provides valuable advice for caregivers balancing corporate careers and caregiving responsibilities and discusses trends in healthcare, the importance of primary care, and the impact of AI on the industry. Additionally, he talks about his role at TD Bank, supporting the health and wellness of their employees, and emphasizes the need for a holistic approach to healthcare improvement involving all stakeholders.00:00 Introduction and Guest Background00:34 Journey into Telemedicine and Health Tech02:27 Homecare Hub and Caregiving Advice04:18 Advantages of Community-Based Home Care07:27 Challenges and Marketing of Homecare Hub15:05 Role at TD Bank and Employee Health Initiatives18:37 Future Trends in Healthcare26:55 Conclusion and Final ThoughtsFrictionless Medicine is a production from /prompt, the leading earned first creative marketing and communications agency. Grounded in the present, yet attuned to the future. Produced and distributed by Simpler Media Productions.

Ralph welcomes Mark Dimondstein, president of the American Postal Workers Union. They'll discuss the crucial role that the Postal Service plays in our democratic process, and how organized labor is impacting this year's elections. Then, Ralph is joined by journalist James Bamford to talk about his latest article in The Nation: "Israel Is Killing Whole Families in Gaza—With Weapons Made in America." Plus, how candidates' positions on Israel may win or lose them voters on Election Day. Mark Dimondstein is the President of the American Postal Workers Union. Since 2013 when Mr. Dimondstein was elected, he has turned the APWU into a fighting activist organization. Mr. Dimondstein advocates for the rights of postal workers as well as the right of the American people to a vibrant public Postal Service. The American Postal Workers Union supports Medicare for All and belongs to the Labor Campaign for Single Payer. The APWU believes in paying a living wage and providing benefits to all workers.We have about 200,000 members. And we definitely represent people throughout the entire political spectrum and throughout the whole country. So we represent people from right to left, left to right, everybody in between, and we represent people from the most rural outpost in the country to the urban centers. So first, the way we handle it is we don't try to tell people how they should think and how they should vote. We're all adults, we vote for what we think is in our best interest as workers, as family members, as community members, as citizens and so on. So we don't try to dictate to our members how to vote, but we do have a responsibility to lead…So I think leadership has a responsibility to educate our members, to activate our members, and to get our members to be involved in the political electoral process.Mark DimondsteinI'm a proud Jewish American. Jewish Americans should be the first to say “never again” when it comes to genocide, when it comes to ethnic cleansing, and when it comes to war crime. And we're not going to solve all the problems of the Middle East and the complicated history of the Middle East on this radio show. But let's at least be clear that the crimes committed against the Jewish people should never be allowed to be committed against anybody else—no matter who's doing it. Mark DimondsteinKamala Harris sent her two closest advisors to Wall Street about a month ago to get advice on her economic and tax policies and not connecting with the Citizens for Tax Justice, which has a progressive proposal. She doesn't connect with citizen groups. She goes around campaigning with Liz Cheney…It's quite amazing that the most popular incumbent elected politician in America today is Bernie Sanders…And she's ignoring Bernie Sanders and going into one state after another with people like Liz Cheney. Ralph NaderWhatever happens next Tuesday, our work isn't done. The divisions that have been created by white supremacy, by this anti-immigrant fervor out here—these things aren't going away. Issues that divide workers instead of unite workers—the growing bigotry, the attack on women's rights to reproductive freedom and health, the attacks on voting rights—these are issues that are going to be here with whoever wins the election. So the working people and the trade union movement have a lot of work to do, whatever the outcome.Mark DimondsteinJames Bamford is a best-selling author, Emmy-nominated filmmaker for PBS, award-winning investigative producer for ABC News, and winner of the National Magazine Award for Reporting for his writing in Rolling Stone on the war in Iraq. He is the author of several books, including Spyfail: Foreign Spies, Moles, Saboteurs, and the Collapse of America's Counterintelligence.The reason I wrote [my article] was because people read about the bombs blowing up schools and refugee camps and hospitals and killing scores and scores, hundreds, thousands of people… But few people realized that it's middle America, largely, that's building the bombs, sending the bombs, and the American taxpayers are paying for the bombs. All the Israelis are doing is dropping the bombs.James BamfordI think the only way is international pressure. I wrote about this in my last book, that the only thing that you can ever do to affect Israel is to have an international boycott sanction. We have to treat it like the worst country on earth. That's what happened with South Africa. That's what stopped apartheid—once they couldn't buy anything.James BamfordRECOGNIZING TIME-PRESSURED HEADLINE WRITERS' CONTRIBUTIONS TO READERSIn Case You Haven't Heard with Francesco DeSantisNews 10/30/241. A crisis is unfolding at the Washington Post following billionaire owner Jeff Bezos' decision to block the paper's planned endorsement of Kamala Harris. In a statement signed by 21 opinion columnists at the Post, they write “The…decision not to make an endorsement in the presidential campaign is a terrible mistake.” Signatories include Karen Attiah, E.J. Dionne, and Dana Milbank among many others. Since the publication of that statement, two opinion writers have resigned: David Hoffman, who has written for the Post since 1982 and was awarded a Pulitzer Prize just last week, as well as technology columnist Molly Roberts. Editor-at-large Robert Kagan also resigned his position at the paper. This from Semafor. Responding to the outcry, Bezos himself published an op-ed in the paper arguing that Americans see the news media as too politicized already and an official endorsement would merely make matters worse. As of October 29th, over 200,000 Washington Post readers, nearly 10% of the total readership, have canceled their subscriptions, per NPR.2. Like the Washington Post, the LA Times also opted not to endorse Kamala Harris. Similar backlash followed, with the New York Times reporting “Thousands of readers canceled subscriptions. Three members of the editorial board resigned. Nearly 200 staff members signed an open letter to management demanding an explanation, complaining that the decision this close to the election had undermined the news organization's trust with readers.” Nika Soon-Shiong, the activist daughter of LA Times owner Patrick Soon-Shiong, publicly stated “Our family made the joint decision not to endorse a Presidential candidate. This was the first and only time I have been involved in the process…As a citizen of a country openly financing genocide, and as a family that experienced South African Apartheid, the endorsement was an opportunity to repudiate justifications for the widespread targeting of journalists and ongoing war on children.” Per Vanity Fair however, her father disputes this narrative, saying “Nika speaks in her own personal capacity regarding her opinion…She does not have any role at The L.A. Times, nor does she participate in any decision or discussion with the editorial board, as has been made clear many times.” The murkiness of these circumstances has left readers with many questions that likely will not be answered until well after the election.3. According to Slate, “Donald Trump told a crowd of supporters that he spoke with Israeli Prime Minister Benjamin Netanyahu [last] Saturday…According to Trump, the Israeli leader said he disregarded President Joe Biden's warning to keep troops out of Rafah in southern Gaza.” In other words, Trump is conducting foreign policy independent of the sitting president, a flagrant violation of the Logan Act and the Constitution itself. This collusion between Trump and Netanyahu is reminiscent of the Nixon campaign's collusion with the South Vietnamese to prolong the Vietnam War and thereby undermine the Hubert Humphrey campaign and similarly, the Reagan campaign's collusion with Iran to prolong the hostage crisis. Yet again however, it seems unlikely that there will be any consequences to this open criminal activity.4. Reuters reports that on Monday, Israel formally banned the United Nations Palestinian refugee agency from operating inside Israel. UNICEF spokesperson James Elder, who has worked extensively in Gaza since this campaign of slaughter began is quoted saying “If UNRWA is unable to operate, it'll likely see the collapse of the humanitarian system in Gaza…So a decision such as this suddenly means that a new way has been found to kill children.” Reuters reports “over 13,300 children whose identities have been confirmed have been killed” in Gaza, while “Many more are believed to have died from diseases due to a collapsing medical system and food and water shortages.”5. The Muslim Mirror reports “In a landmark diplomatic move, Claudia Sheinbaum, the newly elected President of Mexico and the country's first Jewish head of state, officially recognized the State of Palestine.” Sheinbaum is quoted saying “Today, Mexico reaffirms its commitment to human rights and justice for all. Recognizing Palestine is a step toward peace and a signal to the international community that the Palestinian people deserve dignity, statehood, and the right to self-determination.” Neither the United States nor Canada recognize the State of Palestine.6. Over 20,000 workers have lost their lives working on Crown Prince Mohammad Bin Salman's Saudi Vision 2030 project, per the Hindustan Times. These workers, almost exclusively migrants, say they feel like “trapped slaves” and “beggars,” and allege widespread exploitation including “unpaid wages, illegal working hours and human rights abuses.” While rumors of the workers mistreatment has been circulating for years now, a new ITV documentary has brought more attention to the issue in recent days. The deeply suspect NEOM mega-city project alone, which is just one aspect of Saudi Vision 2030, is expected to cost at least $500 billion.7. BRICS, the loose multi-polar alliance of countries forming an alternative economic bloc to offset the United States, recently concluded their latest summit. Per Democracy Now!, the alliance voted to accept 13 more countries to the bloc, including Algeria, Belarus, Bolivia, Cuba, Indonesia, Kazakhstan, Malaysia, Nigeria, Thailand, Turkey, Uganda, Uzbekistan and Vietnam. These were chosen from nearly three-dozen applicants. The outpouring of applications indicates a substantial appetite for an economic alternative to the United States throughout much of the world.8. On October 22nd, Congressman Ro Khanna re-introduced the Stop Wall Street Landlords Act, intended to curb the trend of private equity gobbling up housing stock across the country. The bill was first introduced in 2022, but the crisis has only grown since then. According to NOTUS, “In the first half of 2024, one in four ‘low-priced' homes were purchased by investors…In that same time, the percentage of Americans with a ‘high degree of concern' about housing costs rose to 69%.” If passed, this bill would raise taxes on home acquisitions by private equity firms that hold over $100 million in assets and “bar government-supported lenders from backing new mortgages for such purchases.” Both presidential campaigns have made housing a major issue on the trail, though only the Kamala Harris campaign has offered viable policy to address the crisis.9. E&E News reports Argus Insight, a conservative research firm is “collecting information that could be used to discredit officials involved in a multibillion-dollar climate lawsuit against fossil fuel companies.” The suit, filed last year in Oregon, accuses “Exxon Mobil, the American Petroleum Institute, McKinsey…and hundreds of other defendants of being responsible for a dayslong heat wave in 2021 that killed 69 people. Multnomah County, home to Portland, is seeking more than $51 billion to pay for damages from the tragedy and to prepare for future disasters.” It is unknown why exactly Argus is seeking this information, but experts speculate that they are “using the same tactics that the tobacco industry deployed against its critics decades ago.” Benjamin Franta, an Oxford professor of climate litigation, is quoted saying “The strategy is to ‘try to figure out who is helping to inform these cases and…discredit them in some way…If someone loses on the facts, they try to shoot the messenger.'”10. Finally, the Popular Information Substack reports “On October 10…[Attorney General Merrick] Garland held a press conference and announced that TD Bank had illegally laundered over $670 million of drug money.” Deputy Secretary of the Treasury Wally Adeyemo added “Time and again, unlike its peers, TD Bank prioritized growth and profit over complying with the law.” Surely such a clear, textbook case of corporate criminality would result in criminal charges…except Garland and the DOJ brought no charges, instead settling for a Deferred Prosecution Agreement and a fine of $3 billion. Only two low-level employees were hit with criminal charges, despite clear evidence showing the involvement of high-level executives. Senator Elizabeth Warren said of the deal “This settlement lets bad bank executives off the hook for allowing TD Bank to be used as a criminal slush fund.”This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureMore and more banks are being investigated for money laundering, they said criminals only use bitcoin for money laundering. US economy grew because of gov spending and inflation. Fed cuts rates mortgage rates climb higher. As the economy implodes gold and bitcoin will skyrocket. The [DS] is trying everything they can to manipulate the election using ballots. The problem is that the people continue to catch them cheating, which is making hard for the [DS]. Dominion machines have been affected nationwide and might not produce the right results. The honeypot that Comey used on Trump has been exposed. The [DS] is panicking, its all falling apart on them.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy BofA Warns "Enforcement Action" By Feds Possible Over Money Laundering, Zelle  A little more than two weeks after Toronto-Dominion Bank pleaded guilty to multiple criminal charges and paid $3 billion in fines and other penalties to the Department of Justice and financial regulators for failing to monitor money laundering operatio  the Corporation's Bank Secrecy Act/anti-money laundering and sanctions compliance programs (Programs), including transaction monitoring, training, governance, and customer due diligence."  "In cooperation with regulators, the Corporation has been, and plans to continue, implementing enhancements to these Programs. The Corporation is continuing discussions with its regulators about the Programs, and resolution of these discussions may include one or more public orders by the regulators," BofA continued. BofA is responding to an inquiry from the Consumer Financial Protection Bureau into electronic payments on the Zelle payment network. "The CFPB staff has initiated discussions with the Corporation to pursue a resolution of the inquiry or file an enforcement action. The Corporation is evaluating next steps, including litigation," the bank said. The filing did not mention specifics about potential AML issues. However, the TD Bank case, where the Canadian bank chose profits over AML compliance, allowed fentanyl and narcotics trafficking operations to use banking services. Source: zerohedge.com U.S. Economy Grew At 2.8% Pace In Third Quarter The U.S. economy expanded at a 2.8 percent annual pace in the third quarter, the Commerce Department said Wednesday. Consumer spending jumped  3.7 percent in the third quarter, the largest rise in six quarters. That was much higher than the three percent expected. Imports, which are a subtraction from GDP, soared in the third quarter. Imports of goods climbed 11.6 percent, partially reflecting U.S. importers pulling forward imports for fear that the port worker strike would be a lasting obstacle to bringing in foreign-made products. This dragged down GDP by nine-tenths of a percentage point. Government spending was a big source of economic growth in the quarter, adding nine-tenths of a percentage point to GDP growth. Source: breitbart.com https://twitter.com/KobeissiLetter/status/1851291535683318037  for $420,400 which means a mortgage payment with 20% down would be $2,343/month. Including taxes and insurance, homebuyers can now expect to spend over $3,000/month. In other words, homebuyers are now spending over 50% of their post-tax income on home payments. Truly mind-blowing numbers. https://twitter.com/KobeissiLetter/status/1851659293059141954    $3,000 monthly budget can now afford a $442,500 home, down from $475,750 on September 17th, the lowest since February 2023. A homebuyer with a $2,

Woody Guthrie satirized Depression-era bankers who routinely gouged farmers and poor people.

Liberty Dispatch ~ October 17, 2024In this episode of Liberty Dispatch, hosts Andrew and Matty discuss Canadian politics from a conservative Christian perspective. On today's episode, they sit down with Dr. James R. White to discuss the political nature of Christianity and the civil duty of each Christian. Segment 1 - News Brief:“Younger women are driving force behind US abortion rights movement, survey finds” | AP News: https://apnews.com/article/younger-women-abortion-survey-c8c504a7b9b5a92b4c101a57a3e3a4dc;“Judge slams Trudeau, media for false claims about deaths, secret burials at residential schools” | LifeSiteNews: https://www.lifesitenews.com/news/judge-slams-trudeau-media-for-false-claims-about-deaths-secret-burials-at-residential-schools;“Exclusive: Conservative MP says Parliament is seized by Liberal corruption right now as it considers green slush fund fraud” | The Post Millennial: https://thepostmillennial.com/exclusive-conservative-mp-says-parliament-is-seized-by-liberal-corruption-right-now-as-it-considers-green-slush-fund-fraud?utm_content=;“TD Bank to pay $50 million to settle money laundering claims with Justice Department” | AP News: https://apnews.com/article/td-bank-money-laundering-justice-department-75426a569d40174fd61fa7bc83026176. Segment 2 - Interview w/Dr. James R. White:Alpha & Omega Ministries: https://aomin.org; SUPPORT OUR LEGAL ADVOCACY - Help us defend Canadians' God-given rights and liberties: https://libertycoalitioncanada.com/donate/; https://libertycoalitioncanada.com/liberty-defense-fund/our-legal-strategy/;SHOW SPONSORS:Join Red Balloon Today!: https://www.redballoon.work/lcc; Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/lcc;BarterPay: https://barterpay.ca/; Barter It: https://vip.barterit.ca/launch; Carpe Fide - "Seize the Faith": Store: https://carpe-fide.myshopify.com/, use Promo Code LCC10 for 10% off (US Store Only), or shop Canadian @ https://canadacarpefide.myshopify.com/ | Podcast: https://www.carpefide.com/episodes;Get freedom from Censorious CRMs by singing up for SalesNexus: https://www.salesnexus.com/;Ready to own your own business? Join the Pro Fleet Care team today!: https://profleetcare.com/;Sick of Mainstream Media Lies? Help Support Independent Media! DONATE TO LCC TODAY!: https://libertycoalitioncanada.com/donate/ Please Support us in bringing you honest, truthful reporting and analysis from a Christian perspective.SUBSCRIBE TO OUR SHOWS/CHANNELS:LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; OPEN MIKE WITH MICHAEL THIESSEN: https://openmikewithmichaelthiessen.podbean.com; https://rumble.com/openmike;THE OTHER CLUB: https://rumble.com/c/c-2541984; THE LIBERTY LOUNGE WITH TIM TYSOE: https://rumble.com/LLwTT;CONTACT US:Questions/comments about podcasts/news/analysis: mailbag@libertycoalitioncanada.com;Questions/comments about donations: give@libertycoalitioncanada.com;Questions/comments that are church-related: churches@libertycoalitioncanada.com;General Inquiries: info@libertycoalitioncanada.com. STAY UP-TO-DATE ON ALL THINGS LCC:Gab: https://gab.com/libertycoalitioncanada Telegram: https://t.me/libertycoalitioncanadanews Instagram: https://instagram.com/libertycoalitioncanada Facebook: https://facebook.com/LibertyCoalitionCanada Twitter: @LibertyCCanada - https://twitter.com/LibertyCCanada Rumble: https://rumble.com/user/LibertyCoalitionCanada YouTube: https://www.youtube.com/@liberty4canada - WE GOT CANCELLED AGAIN!!! Please LIKE, SUBSCRIBE, RATE, & REVIEW, and SHARE it with others!

 Ian Dunlap returns to the JBP as the room begins with Melyssa Ford's recent tweets (2:39) before QueenzFlip recaps his time at the Wild 'n Out show over the weekend (18:34). Joe & Ish then gets to story time and shares their experience out at a ‘Paddle of the Sexes' event (20:42), TD Bank has been hit with a $3 billion fine over drug cartel money laundering (54:46), and the crew debates what makes a good mediator (1:00:50) and if there is an issue with men who move off of hearsay (1:10:12). Former NBA player and coach Sam Mitchell seemingly doxxed NBA TV co-host Chris Miles after an awkward live interaction (1:16:57), RJ Barrett allegedly owes an escort some money (1:27:53), and Lyfe Jennings says NPR's Tiny Desk rejected him from their show (1:41:40). Also, the room discusses how they handle criticism (1:55:00), Joe shares some tidbits about the blessings that come from podcasting as well as how paranoia affects work ethic (2:04:54), Ian brings a list of conspiracy theorist topics (2:41:50), and much more! Become a Patron of The Joe Budden Podcast for additional bonus episodes and visual content for all things JBP! Join our Patreon here: www.patreon.com/joebudden  Sleeper Picks:   Joe | Ravyn Lenae (feat. Ty Dolla $ign) – “Dream Girl” Ice | Pharrell Williams (feat. Tyler, The Creator) - “VIRGINIA Boy (Remix)” Parks | Ka - “I Love (Mimi, Moms, Kev)” Ish | Amaria - “Fly” Melyssa | Gallant (feat. Nao) - “Centigrade.”

BestPodcastintheMetaverse.com Canary Cry News Talk #782 - 10.14.2024 - Recorded Live to 1s and 0s ECON 666 | Mystery Drones, Bank Fines, Trump Web3, Dream Comm, Aliens Deconstructing Corporate Mainstream Media News from a Biblical Worldview Declaring Jesus as Lord amidst the Fifth Generation War! TJT Youtube (backup) Channel: https://www.youtube.com/@TheJoyspiracyTheory The Show Operates on the Value 4 Value Model: http://CanaryCry.Support Join the Supply Drop: https://CanaryCrySupplyDrop.com Submit Articles: https://CanaryCry.Report Submit Art: https://CanaryCry.Art Join the T-Shirt Council: https://CanaryCryTShirtCouncil.com Podcasting 2.0: https://PodcastIndex.org Resource: Index of MSM Ownership (Harvard.edu) Resource: Aliens Demons Doc (feat. Dr. Heiser, Unseen Realm) Resource: False Christ: Will the Antichrist Claim to be the Jewish Messiah Tree of Links: https://CanaryCry.Party   THANK YOU TO ALL THE PRODUCERS!    WE WILL PROPERLY CREDIT YOU IN A FUTURE EPISODE!    SHOW NOTES/TIMESTAMPS Podcast T- 00:00 HELLO, RUN DOWN 00:00 V / 00:00 P DRONES 00:00 V / 00:00 P Mystery Drones Swarmed a U.S. Military Base for 17 Days. The Pentagon Is Stumped. (MSN/WSJ)   FEMA 00:00 V / 00:00 P “Armed Militia” threatening FEMA (CNN) Update, Man Arrested (CNN) → The Internet Archive is back as a read-only service after cyberattacks (Verge)   *POLITICS/MONEY/KAMALA 00:00 V / 00:00 P Young men's economic prospects are shifting, along with their politics (NBC News) → Polymarket, the future of polls (PolyMarket) → In outreach to Black men, Harris to vow to legalize weed, protect crypto (NPR) → Kamala Harris accused of plagiarism in co-authored 2009 book on criminal reform (NY Post)   *MONEY 00:00 V / 00:00 P TD Bank pleads guilty in money laundering case, will pay $3 billion in penalties (CNBC)   TRUMP/CRYPTO 00:00 V / 00:00 P → Trump-Supported World Liberty Financial to Start Public Token Sale Next Week (Coindesk) → Clip: Bull Run in Crypto Cycles 2025 WORLDCOIN → Worldcoin partners with Dune ahead of World Chain mainnet (crypto news) TRUMP 00:00 V / 00:00 P Armed Man Arrested Near Trump Rally Over Concerns About ‘Third Assassination Attempt'—Here's What We Know About Him (Forbes)   ELON 00:00 V / 00:00 P California officials cite Elon Musk's politics in rejecting SpaceX launches (Politico) Clip: Elon lands rocket booster (X)   DREAM ENGINEERING 00:00 V / 00:00 P 2 people communicated in their dreams, scientists claim experiment successful (India Today)   ALIENS 00:00 V / 00:00 P NASA filmmaker claims evidence of alien life could be revealed within the next month (NY Post)    OUTRO 00:00 V / 00:00 P END 00:00 V / 00:00 P

Episode 1565 is brought to you by:  Factor Meals: Head to www.factormeals.com/hardfactor50 and use code hardfactor50 to get 50% off your first box plus 20% off your next month Prize Picks: Download the PrizePicks app today and use code HARDFACTOR and get $50 instantly when you play $5! Timestamps: (00:03:30) - TD Bank has to pay 3 Billion Dollar fine because they were laundering money for the cartels (00:04:50) - Hurricane Milton update and America's new sweetheart and Adin Ross signee, Lt. Dan, has an extensive criminal record. (00:20:20) - Hawk Tuah lawsuit and update (00:21:50) - “Piss Bandit” is terrorizing a neighborhood in Pasadena, CA (00:30:40) - Washington woman is invaded by hundreds of racoons after feeding them like stray cats (00:35:50) - Elon Musk in unveiling his new robot taxi Thank you for listening! If you want bonus podcasts go to patreon.com/hardfactor, but MOST Importantly, HAGFD!! Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch The X22 Report On Video No videos found Click On Picture To See Larger Picture The has their hands in everything, whatever they are pushing they are going to make money, its a gigantic scam. Big banks are money laundering, I thought it was Bitcoin. Massie explains the [CB] system to congress. Trump just gave a warning to the [CB], we are taking it all back, their days are over. The [DS] is panicking, the voters are seeing through their charade. Obama and Clinton are pushing people to vote for [KH], they know this will not work, so the question is why did they introduce themselves. Trump has requested military protection according to Wapo. If Trump did request it, the military is the only way forward. Trump is the commander in chief and the storm is about to hit.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/peterjhasson/status/1844461471499157961 https://twitter.com/amuse/status/1844727446089732577   Major Bank Hit with Record Fine Over Drug Cartel Money Laundering Scandal  One of America's major banks has been hit with a massive fine after federal investigators said it was lax in its efforts to monitor money laundering. TD Bank will pay $1.89 billion to the Department of Justice, $123.5 million to the Federal Reserve Board, and $450 million to the Office of the Comptroller of the Currency, according to the consent order between the federal government and the bank. The bank must also pay $757 million to the Department of the Treasury's Financial Crimes Enforcement, referred to in the consent order as FinCEN. “From fentanyl and narcotics trafficking, to terrorist financing and human trafficking, TD Bank's chronic failures provided fertile ground for a host of illicit activity to penetrate our financial system,” Deputy Secretary of the Treasury Wally Adeyemo said. Source: thegatewaypundit.com https://twitter.com/KobeissiLetter/status/1844718223792460255 https://twitter.com/Chesschick01/status/1844390620149973034    Political/Rights https://twitter.com/DonaldJTrumpJr/status/1844530449223209412 Kamala Harris Campaign Co-Chair Gretchen Whitmer Mocks Catholic Communion With Doritos While Wearing Harris-Walz Hat in Bizarre Dominatrix Video While appearing to play-act as a dominatrix, Michigan Governor Gretchen Whitmer (D) participated in video that mocks the sacred Catholic ritual of a priest giving the Holy Eucharist to a parishioner at mass. The silent video shows Whitmer, wearing a Harris-Walz camo ballcap standing over a kneeling young woman, podcaster Liz Plank, and feeding her a solitary Doritos corn chip. Doritos are Kamala Harris' favorite snack. The choice to mock the Holy Eucharist with Harris' fave Doritos is surely not a coincidence. The caption to the video is about the CHIPS Act, a federal bill subsidizing computer chip manufacturing in the U.S. signed into law by Joe Biden in 2022. https://twitter.com/TimMurtaugh/status/1844449775992893861?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1844449775992893861%7Ctwgr%5E2d6e58e3944a97bf408c31efc0cc860d43445927%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2024%2F10%2Fkamala-harris-campaign-co-chair-gretchen-whitmer-mocks%2F https://twitter.com/CatholicVote/status/1844461842535678202?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1844461842535678202%7Ctwgr%5E2d6e58e3944a97bf408c31efc0cc860d43445927%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2024%2F10%2Fkamala-harris-campaign-co-chair-gretchen-whitmer-mocks%2F     Source: thegatewaypundit.com

TD Bank's U.S. entity pleaded guilty and agreed to pay more than $3 billion in penalties, acknowledging it failed to properly monitor money laundering by drug cartels and other criminal groups. WSJ's Dylan Tokar unpacks the investigation that led to such a historic deal. Further Listening: -The Suitcases Full of Cash Flowing Through Airports  Further Reading: -TD Bank Agrees to $3 Billion in Penalties and Growth Restrictions in U.S. Settlement  -TD Pays Hefty Penalties as Prosecutors Detail Nearly a Decade of Lax Controls  Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Casual Friday! Emma speaks with Dave Weigel, politics writer at Semafor, author of the "Americana" newsletter, to discuss the biggest headlines of the week. Then, she speaks with comedian Francesca Fiorentini, host of the Bitchuation Room! First, Emma runs through updates on Israel's bombing of dense residential areas of Beirut and continuing war crimes at home and in Gaza, Harris' attempt to court Latino voters, Obama's attempt to court young black men, Trump's legal woes, Florida's power issues, voter registration in Florida and Georgia, Boeing's anti-labor action, and TD Bank's record-breaking money laundering fine, before parsing a little deeper into Trump decision to shit on the biggest city in a major swing state over… NATO tax rates? Dave Weigel then joins, diving right into the state of the US presidential race in major swing states like Arizona, highlighting Harris' recent pivot away from emphasizing a populist agenda towards vague bipartisan grandstanding with the few anti-Trump Republicans left while unpacking the positives (and negatives) of this approach electorally. Expanding on this, Dave and Emma parse through the polling numbers on high- and low-/mid-propensity voters – touching on Trump's particular ability to turn out that ladder group – and why Harris' strong numbers with newly registered voters is a major plus, before turning to the comparisons between the Dem's 2024 campaign and those in 2012 and 2016, and why the former – thankfully – might be the more accurate one. After touching on the evolution of Harris' messaging game post-convention, Weigel dives deep into the GOP's own insane choices for their messaging campaign – including a reliance on the ever-inconsistent Elon Musk and Turning Points – and what to make of their ongoing push for an anti-trans agenda despite its lack of electoral salience in the past, wrapping up the interview by assessing the dearth of a direct response to Republican narratives on crime, immigration, and trans rights, and what that vacuum in the Democratic messaging campaign might mean come November. And in the Fun Half: Emma and Bradley watch Jesse Watters put on an enchanting display of toxic masculinity with Stephen Miller, dive a little deeper into the absurdity of the Trump messaging campaign (with some help from JD Vance), and highlight the continued strength of Greta Thunberg's unapologetic anti-colonial activism. Plus, your IMs! Follow Dave on Twitter here: https://x.com/daveweigel Check out "Americana" here: https://www.semafor.com/author/david-weigel Follow Francesca on Twitter here: https://x.com/franifio Check out Gaza Healthcare Letters here: https://www.gazahealthcareletters.org/usa-letter-oct-2-2024 Check out the Bitchuation Room here!: https://www.youtube.com/franifio Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityrep ort Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Join Sam on the Nation Magazine Cruise! 7 days in December 2024!!: https://nationcruise.com/mr/ Check out StrikeAid here!; https://strikeaid.com/ Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! http://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: http://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 20% off your purchase! 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Redbox Box collecting dust & draining power… Fisher Price baby swing recall… Diddy trial set for May 5th 2025… Train story and video... Storm recap/power/tornadoes/Lt Dan… Aqua Fence… www.mercuryone.org Lauren Bush gets married… Amazon lawsuit... Streaming services www.blazetv.com/jeffy Promo Code: Jeffy40 / $40 off ( as long as it lasts ) chewingthefat@theblaze.com Who Died Today: Ethel Kennedy 96… TD Bank fined billions… Game Show: What's The Lie? Contestant: Neill Voges…   Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's Headlines: Hurricane Milton struck Florida's western central coast, killing 13 people and leaving 3 million homes without power. A reverse storm surge reduced expected damage, but strong winds caused significant destruction, including knocking a crane onto a building and damaging the Tampa Bay Rays' stadium. In other news, TD Bank pleaded guilty to money laundering, facing a historic settlement with the DOJ. September's inflation report showed a slight rise, while jobless claims hit a 14-month high. NYC's NYPD Commissioner resigned amid ongoing federal investigations, and Diddy's trial for racketeering and trafficking charges has been set for May 5th. Resources/Articles mentioned in this episode: AP News: Why Milton's 'reverse surge' sucked water away from flood-fearing Tampa  AP News: Disney World and other Orlando parks to reopen Friday after Hurricane Milton shutdown AP News: TD Bank to pay $3 billion in historic money-laundering settlement with the Justice Department CNBC: Inflation rate hit 2.4% in September, topping expectations; jobless claims highest since August 2023  Politico: NYPD commissioner heading for the exit amid corruption scandal surrounding Mayor Adams NY Times: Sean ‘Diddy' Combs's Sex Trafficking Trial Is Set for May 5  Morning Announcements is produced by Sami Sage alongside Bridget Schwartz and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

The news to know for Friday, October 11, 2024! We'll tell you about the aftermath of Hurricane Milton after it ripped through the state of Florida, and what scientists say is causing storms to become more powerful. Also, which bank just received the largest financial penalty for money laundering American authorities have ever handed out. Plus, Tesla's big reveal of its version of a robo-taxi, which tennis legend is calling it quits, and a once-in-a-lifetime chance to catch a nighttime spectacle in the sky this weekend. Those stories and even more news to know in about 10 minutes!    Join us every Mon-Fri for more daily news roundups!  See sources: https://www.theNewsWorthy.com/shownotes Become an INSIDER to get AD-FREE episodes here: https://www.theNewsWorthy.com/insider Sign-up for our Friday EMAIL here: https://www.theNewsWorthy.com/email Get The NewsWorthy MERCH here: https://www.theNewsWorthy.com/merch Sponsors: Upgrade your business and sign up for your one-dollar-per-month trial period at Shopify.com/newsworthy. Take the next step in improving your health, go to lumen.me/newsworthy for 15% off your purchase. To advertise on our podcast, please reach out to libsynads@libsyn.com    

The Rich Zeoli Show- Hour 1: 3:05pm- TD Bank Pleads Guilty in Money-Laundering Case. Stacy Cowley, Matthew Goldenstein, and Rob Copeland of The New York Times write: “TD Bank agreed to pay about $3 billion in fines to U.S. authorities and pleaded guilty on Thursday to money-laundering-related charges in a case brought by federal prosecutors, who said the Canadian bank made it ‘convenient' for criminals to open accounts, transfer funds and even deposit seven-figure sums of cash at its branches. The combined penalties are the largest ever imposed by U.S. authorities on a bank for violating anti-money-laundering laws, and include an ‘asset cap' that prevents TD Bank from growing any bigger than its current size.” You can read the full article here: https://www.nytimes.com/2024/10/10/business/td-bank-fine.html 3:20pm- While speaking to the press in the aftermath of Hurricane Milton, President Joe Biden claimed that some Americans received “death penalties” as a result of disinformation on hurricanes spreading online. But who on earth has suggested that the hurricane wasn't real? The only thing the Biden Administration has specifically labeled as “disinformation” is the claim that the Federal Emergency Management Agency (FEMA) used a portion of its funding to relocate undocumented migrants domestically—which did occur, according to FEMA's own website. Is the Biden Administration preparing to use this natural disaster as an excuse to censor speech online? 3:30pm- Tim Murtaugh—Columnist for The Washington Times & Senior Advisor to the Trump 2024 Campaign—joins The Rich Zeoli Show to discuss Donald Trump's campaign rallies in Scranton and Reading, Pennsylvania on Wednesday. If the election were held today, would Trump win PA? It certainly seems like it because the state's “electorate is much more Republican than it was in 2020.”

The Rich Zeoli Show- Full Episode (10/10/2024): 3:05pm- TD Bank Pleads Guilty in Money-Laundering Case. Stacy Cowley, Matthew Goldenstein, and Rob Copeland of The New York Times write: “TD Bank agreed to pay about $3 billion in fines to U.S. authorities and pleaded guilty on Thursday to money-laundering-related charges in a case brought by federal prosecutors, who said the Canadian bank made it ‘convenient' for criminals to open accounts, transfer funds and even deposit seven-figure sums of cash at its branches. The combined penalties are the largest ever imposed by U.S. authorities on a bank for violating anti-money-laundering laws, and include an ‘asset cap' that prevents TD Bank from growing any bigger than its current size.” You can read the full article here: https://www.nytimes.com/2024/10/10/business/td-bank-fine.html 3:20pm- While speaking to the press in the aftermath of Hurricane Milton, President Joe Biden claimed that some Americans received “death penalties” as a result of disinformation on hurricanes spreading online. But who on earth has suggested that the hurricane wasn't real? The only thing the Biden Administration has specifically labeled as “disinformation” is the claim that the Federal Emergency Management Agency (FEMA) used a portion of its funding to relocate undocumented migrants domestically—which did occur, according to FEMA's own website. Is the Biden Administration preparing to use this natural disaster as an excuse to censor speech online? 3:30pm- Tim Murtaugh—Columnist for The Washington Times & Senior Advisor to the Trump 2024 Campaign—joins The Rich Zeoli Show to discuss Donald Trump's campaign rallies in Scranton and Reading, Pennsylvania on Wednesday. If the election were held today, would Trump win PA? It certainly seems like it because the state's “electorate is much more Republican than it was in 2020.” 4:00pm- Democrats Hit the Panic Button. Amie Parnes of The Hill writes, “Democrats' nerves are at an all-time high. Two months ago—even a month ago—they were feeling bullish about Vice President Harris's prospects of defeating former President Trump. But now, with less than a month to go until Election Day, they're increasingly worried about a number of issues plaguing the Democratic nominee's campaign…There's also concern on everything from the static poll numbers in the race to the vice president's messaging and even her standing with men—not just white men but Black and Hispanic men, too.” You can read the full article here: https://thehill.com/homenews/campaign/4922690-democrats-nervous-kamala-harris-campaign/ 4:30pm- While speaking with Bill Whitaker of “60 Minutes,” Kamala Harris was asked about becoming the Democratic Party's presidential nominee without participating in the primary process. She was unable to answer the question directly. 4:40pm- During a press conference on Thursday, Department of Homeland Security Secretary Alejandro Mayorkas claimed he was working on limiting “hate speech” on online platforms. Is his department preparing to censor speech? 4:50pm- Rich hilariously wonders: What qualifies as hate speech, according to Sec. Alejandro Mayorkas? For example, Rich HATES pineapple pizza. Is that enough to have him thrown in prison? 5:00pm- Phil Kerpen—President of American Commitment—joins The Rich Zeoli Show to react to a Congressional Budget Office report that estimates the federal government's 2024 deficit has exceeded $1.8 trillion, which comes at a time when there is no war involving U.S. forces, no pandemic, and no financial crisis. How did spending get so out of control? 5:20pm- Rich tries playing video clips on YouTube…and it works!! 5:35pm- Rico Elmore—Vice Chairman Republican Committee of Beaver County—joins The Rich Zeoli Show to discuss his efforts to turn Pennsylvania red in November. Elmore, a veteran, famously provided first aid to those wounded during the assassination attempt against Donald Trump in Butler, PA. 5:50pm- While speaking at ...