Podcasts about TransferWise

The euro is going down, or the dollar is going up, and a lot of people are blaming Trump's tariffs – or their threat. Is that the whole story? In this episode of Spain to Go, I talk about the decline of Europe. More on the web: https://expatmadrid.com/decline-europe/ Here's my code for a free 500€ transfer on Wise, formerly known as Transferwise: https://wise.com/invite/u/danielw7

About this EpisodeDexter Cousins talks with Tristan Dakin, Country Manager at Wise on the Fintech Chatter Podcast. They chat about the innovative solutions Wise provides in the payments technology space and the complexities of instant payments. Tristan speaks about the company's growth and the challenges of operating in a highly regulated environment.He shares insights into Wise's culture, the importance of transparency in financial services, and the future of fintech in Australia.About WiseWise launched in 2011 making international money transfers cheap, fair, and simple their vision. Today, their multi-currency account helps millions of customers and businesses manage their money globally.Their story started in London with Taavet (paid in Euro's) & Kristo (paid in Pounds) solving the issue of making money in one country but needing to meet payment commitments in their home country. Expensive fees and bad exchange rates led them to make a simple workaround. Taavet would pay Kristo's mortgage in Estonia and Kristo would pay him back in pounds.No waiting, no stress, and no extra cost, they quickly realised that they had hit upon a great idea and TransferWise was born. They have since added a multi-currency account, a debit card, and a business account, and changed their name to Wise.About TristanTristan joined Wise in 2020, and since 2022, has been leading Wise in ANZ as Country Manager. Before joining Wise, Tristan worked in the financial services industry, including Lombard Securities in the UK.He is skilled in FX, Banking, Management, Financial Markets, Trading, Structured Products and Derivatives, and Financial Risk.Key TakewaysWise aims to build the best way for people to move money globally.The company focuses on transparency in fees and payment processes.Instant payments are achieved through advanced technology and infrastructure.Wise's growth has been significant, with millions of active customers.The complexity of regulatory compliance is a major challenge for fintechs.Tristan's background in financial services shaped his approach at Wise.The culture at Wise emphasises autonomy and problem-solving.Australia's fintech landscape is evolving, with increasing competition.Regulatory changes could enhance transparency in the financial sector.Wise is committed to empowering customers and improving financial services.Chapters00:00    Introduction to Fintech Chatter and Wise01:15      Wise's Mission and Products03:27     Challenges of Cross-Border Payments07:09     The Complexity of Instant Payments09:10     Wise's Growth and Market Presence10:54     Wise's Centralised Infrastructure and Competitive Advantage12:32      Australia's Unique Remittance Landscape13:18      Tristan's Background and Attraction to Wise16:25     The Role of Country Manager at Wise17:55      Inspiration and Motivation in Fintech19:43     Cohesion and Culture at WISE26:51      Navigating the FinTech Landscape in Australia30:18     The Future of FinTech: Trends and Innovations38:36     Download the Wise AppSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

Delve into year-end evaluations and developing a robust plan for next year's voiceover success. THE BOSSES share expert advice on setting clear objectives, utilizing effective marketing techniques, and maintaining enthusiasm in the unpredictable realm of freelance work. They give invaluable advice on maintaining passion, setting precise goals, and implementing effective marketing strategies. THE BOSSES also share strategies for balancing financial and time investments to align emotional satisfaction with professional objectives.  00:00 - Anne Ganguzza (Host) Hey bosses, real Boss, Tom Dheere and myself have a very special deal for you guys. Tom, tell them what it is.  00:08 - Tom Dheere (Co-host) All right, nne. If you use the promo code BOSSVOSS that's B-O-S-S as in V-O-BOSS and V-O-S as in V-O-STRATEGIST, and the number 24, so that's BOSSVOS24, you get 10% off my 30-minute check-in, my one-hour strategy session and my one-hour diagnostic.  00:27 - Anne Ganguzza (Host) And you'll get 10% off all coaching packages and demos on the Anne Ganguzza website. So, guys, black Friday starts now and runs till the end of the year. So everybody, get yourselves on that site and get yourself a discount. BOSS, VOS, BOSS, VOS 24.  00:43 - Tom Dheere (Co-host) BOSS, VOS 24. Boss. VOS, BOSS, VOS, 24. BOSS, VOS, 24. 00:47 - Intro (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO Boss. Now let's welcome your host, Anne Ganguzza.  01:06 - Anne Ganguzza (Host) Hey, hey everyone. Welcome to the VO Boss Podcast and the Real Boss Series. I'm your host, Anne Ganguzza, and of course, I am here with the one and only amazing Mr Tom Dheere.  01:18 - Tom Dheere (Co-host) Hello Anne, hello bosses.  01:20 - Anne Ganguzza (Host) Hi Tom Dheere. Hi Tom, it's getting close to the end of the year, getting cold, getting ready for the holidays. At the end of the year, I always try to kind of step back and take a look at how did my year go, and I know that this is what you do. This is kind of like this is like your thing as the VO strategist. So I'd love to hear how you evaluate your year, because I want some tips actually, and I'm sure the bosses out there can always use some good end of year tips for evaluating how your business is going.  01:57 - Tom Dheere (Co-host) And I'll be happy to share those. I do the feels. You know. There's the emotional part of it. Just how did I feel about the year? Did I feel energized? Did I feel motivated? Did I feel satisfied? The emotional part of it Just how did I feel about the year? Did I feel energized? Did I feel motivated? Did I feel satisfied with the art of it? Was I able to express myself in the ways that I wanted or needed to express myself as both a voiceover artist, but also as a human being, Because there's a psychological aspect to what we do, Everybody has a different reason for why they want to be a voice actor.  02:26 You know, like Tom Dheere loves to tell stories. I love to talk, I'm a big talker, I'm a fast talker, but I just love telling stories. I love going on journeys and guiding people through journeys. And it's funny because ever since I did my very first paid voiceover in 1996, I've always had the question you know, how'd I do as an artist? You know, and every year the answer is a little bit better because I learn a little bit more.  02:49 - Anne Ganguzza (Host) I love how you evaluated, first of all, the why. Right, because I think we always need to step back and say remember your why. Why are we doing it in the first place? Right, because if it gets to the point where it's stressing you out too much or you're I'm like my corporate job did that.  03:04 So I mean honestly like one of the reasons why I did this was to go into business for myself was because I found joy in running a business. I found joy in being creative and telling stories, such as yourself. And I love how you opened with that, because when I asked you, I was thinking, gosh, you're going to bring out your spreadsheet and you're going to be like all right, the business analyst is here and we're going to talk about how our year went, which I'm sure you're going to talk about anyways. But I love how you opened it with what is your why and how did you feel about it? Because I think you have to have the feels first right in order to want to continue and have the passion and the drive to keep moving forward.  03:41 - Tom Dheere (Co-host) Well, if there's no feels, then why are you doing it? And if you're doing it just for a paycheck, voiceover is the worst way to try to make money. It's so hard.  03:51 - Anne Ganguzza (Host) It's so hard. Wait, I feel like on the count of three, Tom, it's so hard.  03:59 - Tom Dheere (Co-host) And it takes forever to find out if you can make money and how long it's going to take you to make money, that's going to feel like it validates you at all, and if you wanted to get to part-time or if you want it to be something that's going to cover all your expenses and help save for retirement. Like you know, if there's a hundred jobs out there, there's 99 out there that are better to make money and have a paycheck than this one. So if you are doing this, it better have the feels right Now.  04:29 - Anne Ganguzza (Host) why do you say that, though I do want to ask you why do you say that there's a hundred jobs better at making the money? Why do we say that and the two of us are like oh my God, it's hard, but give a little more background to that, to that. Why?  04:40 - Tom Dheere (Co-host) I'm talking in the context of something that gives you personal fulfillment. Now, in all fairness, if your passion is photography and you want to be a photographer, the principle is the same You're a freelancer. You have to figure out how to make your own work, how to market yourself, how to brand yourself, how to manage your finances. So the principles are all the same. So the self-employed things like voiceover or photography I want to be a singer, dancer, actor, model, musician, freelance graphic artist, I want to open my own yoga business or whatever. But for everything else banking, legal healthcare and healthcare and all of these things can be emotionally and psychologically rewarding, but those tend to be far more stable forms of income, you know. So my point is is that if you're going to get into something as difficult to pursue like photography or voiceover or being a musician, if it doesn't have the feels, then why are you doing it? You're just some kind of masochist who just likes to make your life as difficult as humanly possible, you know.  05:42 - Anne Ganguzza (Host) I read an interesting blog about when you're in freelance and you're doing stuff like we're voice actors. I mean, it's all about certainty. Right, we've given up our certainty, because if we've worked for people in the corporate world like I did, I mean I was certain I was getting that paycheck every two weeks, I mean as long as I was employed. This. Now you've entered into the era, or into a vortex, of uncertainty, and that is, I think, where Tom and I are like it's hard, it's hard and yeah. So if it doesn't give you the feels, then yeah, you have to make a lot of sacrifices for that.  06:15 - Tom Dheere (Co-host) Voiceover the vortex of uncertainty, the vortex of uncertainty.  06:20 - Anne Ganguzza (Host) I'll tell you. Not that we don't love it. I mean, gosh, we've both been in this over 15 years, right, tim? So it's like, really, I mean I would not have stayed with it. I don't think I could ever work for someone again, unless it's like an in-out get paid for the job and we're done.  06:33 - Tom Dheere (Co-host) Oh no, I can't work for anybody again.  06:34 - Anne Ganguzza (Host) All my jobs? Yeah, I enjoy my, and the first step is to assess the feels right. So do we still have the same feeling about voiceover. Do we still find the same joy in it as we did when we started? Okay, all right, that's good, that's step number one. Then what, tom?  07:05 - Tom Dheere (Co-host) Well then, it's time to break that down, because everybody has dreams in voiceover and people like Ann Ganguza, who is a masterful genre coach and demo producer.  07:09 That's part of the journey of helping to make your dreams come true. Get quality training, get a demo that you can use as a marketing tool to get the casting opportunities that you want to help make your dreams come true. But I tell all my students, vague goals will get you vague results. Specific goals will get you specific results. Yes, I also say that vague efforts will get you vague results. Specific goals will get you specific results. Yes, I also say that vague efforts will get you vague results. Specific efforts will get you specific results. So, when it comes to analyzing your business and reconciling the feels with what do I need to do and be and have to fulfill me? Narrate cartoons or video games or military history, audio books or college textbooks or whatever it is that blows your hair back to get the feels that you desire? You need to be able to put in the time and money and energy and effort on a business and marketing sense to be able to get the casting opportunities that you want so you can get the feels right.  08:00 Yes, absolutely, and this is why, I tell my students the more specific you are about what you want, the better of a chance you're going to have to get what you want, and your goals can change from year to year.  08:11 - Anne Ganguzza (Host) So then, is this the step that's next in terms of like figuring out goals that you want for the next year, or are we still in the assessment phase of how, this year, went.  08:21 - Tom Dheere (Co-host) It directly flows into the goals that you want, because your goals also are going to change from year to year. So like, for example, this is 2024. One of my main voiceover goals was to book political voiceover work. I'm doing my research and taking classes and listening to experts in the area. I knew this was going to be a big opportunity to be a political voice actor for a lot of people.  08:46 My worry was that my sound, which is not the vote for this person and if you don't, the other one will eat your children. Like, I can't do that. My vocal folds are just not thick enough to be able to pull off that, or at least I just sound like I'm trying too hard. So it's like is there a place for me with my personality, my skill sets, the thickness of my vocal folds, to be able to get voiceover work? So I set a number for myself of how many political jobs I wanted to do this year and what are the things I need to do to be able to achieve those goals. So training yes, check. Little JMC, little Brandon Perry Okay, check. Demo yes, got the spots. Also added and embellished the demo with previous political work that I'd done in 2022 and 2023, because that's when I decided I wanted to give this a shot. And then marketing acumen Get representation that specializes in booking political voiceover work, going on casting sites and keeping an eye out for political work, as well as optimizing my profile to feed the algorithms to get political voiceover work. And use direct marketing strategies to be able to develop relationships with production companies that specialize in political work and develop relationships with them and get work.  10:05 And I did all three of those things and, to a greater or lesser extent, it worked in all three of those ways. So I did hit the number of political spots that I wanted to book this year. How do I know that? Well, I can count, but how does one keep track of this stuff? So I use my cash flow sheet, which is a free download at vo strategistcom, and it tracks every penny that goes into my voiceover business and every penny that goes out of my voiceover business.  10:34 So obviously I track all of the voiceover work that I did, what kind of genre it was, how much money I made, who did I work with, how I got the booking this is where being able to look back on your year and figuring out how you did, because having the feels, like I said, is critical. It's the most important thing. But you need to find out how much money did you spend this year? Where did you put your money Training, demo production, marketing, other things? Where did you put your time and energy? Cold calling versus auditioning, versus blogging, versus social media, versus workshops, versus conferences, versus local events versus national events? And how did all of that stuff pan out? What efforts did you put into 2024 that turned into what you want, which is the voiceover bookings, to get you the feels, to get that fulfillment of yes, I am realizing myself as a voice actor.  11:30 - Anne Ganguzza (Host) And that free downloadable has all of those aspects on there, like social media, like this is how you got the job social, oh wow, that's fabulous.  11:38 - Tom Dheere (Co-host) Yeah, so I'll talk everybody through. It is that the first column just has a little code. It's VO for voiceover, VOS for VO strategist. Because I track all my coaching stuff on there too, and then it's either the expense like you know, paperclips or whatever I bought, or a class that I took, or whatever that I attended, or whatever the voiceover is, and then I so I track what the voiceover is Do you buy paperclips, Tom?  12:00 - Anne Ganguzza (Host) I haven't bought paperclips in years.  12:02 - Tom Dheere (Co-host) I have so many paperclips from you know my analog days that I'll never need to buy another paperclip again, so maybe that wasn't the best example.  12:09 - Anne Ganguzza (Host) I know, no, but I love it. I just was thinking about it. God, do we use paperclips anymore? Anyway, sorry.  12:16 - Tom Dheere (Co-host) Barely, barely. I barely use paperclips. I use my stapler all the time, but I don't use my paperclip anymore.  12:21 - Anne Ganguzza (Host) Right, I do too. I still use my stapler.  12:23 - Tom Dheere (Co-host) Yeah.  12:25 - Anne Ganguzza (Host) Okay, Staples.  12:25 - Tom Dheere (Co-host) Anyway, at Staples, yes, one of my favorite places. It's like Disneyland for me that and the container store, if you've ever been to a container store.  12:33 - Anne Ganguzza (Host) Oh, yes, I love the container store.  12:35 - Tom Dheere (Co-host) Love those.  12:36 - Anne Ganguzza (Host) There's one not far from me Stupidly expensive containers, but boy do I love them. But boy do I love them. They're worth every penny.  12:49 - Tom Dheere (Co-host) I just love walking around in there. They are, it's like Willy Wonka Good stuff Anyway. Oh, my mileage. I tracked my tolls, you know, because I drove from Manhattan to Virginia, specifically, and back. I tracked all the tolls in and out of the Lincoln Tunnel across the Delaware Bridge.  13:04 - Anne Ganguzza (Host) Can I tell you, please Can?  13:05 I tell you, I tracked my $6 butter that I bought from the bar so that I could put it on my Royal Cousin bagel Because I'm a girl who loves butter on her bagels. And so it was like late at night and I went to the bar and I said can I buy some butter? And he's like butter. And I said, well, I have a bagel. I said, have you ever had a bagel from New Jersey? And he's like okay, and the first he comes back with two or three. Like I'm like no, no, no, no, that's not going to work for me.  13:35 He's just two or three little pats of that container, like I need like two or three per like square inch of a bagel for that. And ultimately he says I'm going to have to charge you and I said, okay, sure, so how much is that going to cost me? He goes and I'm like I thought about it it was late at night and I really wanted that bagel and I said, all right, put it on my tab. So that's been tracked.  13:56 - Tom Dheere (Co-host) Just wanted to clear the air on that. Just wanted to clear the air of that $6 butter. It's a tax deduction because it's a food expense at a professional event.  14:05 - Anne Ganguzza (Host) Thank you, roy. Thank you, roy for my bagel.  14:10 - Tom Dheere (Co-host) I allowed myself to eat a bagel. This time. I had half a pumpernickel myself when I was down there I ate an entire bagel.  14:13 - Anne Ganguzza (Host) I might have eaten one and a half, tom, because you know.  14:16 - Tom Dheere (Co-host) I gotta have a lot of butter. Yeah well, I understand you had to make it worth the $6 that you put out.  14:20 - Anne Ganguzza (Host) Thank you, Uncle.  14:21 - Tom Dheere (Co-host) Roy. Thank you, roy. I track all the traveling expenses and obviously, every meal, I amount of money that I made. I enter the invoice that I generated for every voiceover that I did, the form of payment check, direct deposit, paypal, credit card, wise, formerly known as TransferWise. Oh, I also currency, because I get a lot of European clients, so I get paid in euros as well as dollars and British pounds.  14:51 But this is how to look at your voiceover business marketing-wise is that I have a section which I either type in AB for audition booking or DB for direct booking, because I like to know did I get this through a one-to-one audition I auditioned once I booked one gig or is it a regular client or a legacy client that just said oh Tom, here's another explainer video and you don't have to do an audition? So this year, 2024, my direct bookings were roughly 80% of my voiceover work and the audition one-to-one auditions were roughly 20% of my voiceover work. And the question is you get these numbers, but what do they mean? What that means for me, tom Dheere, is that I have legacy clients dating back to 1997 that I don't audition for anymore. So that's clearly an accumulation of building regular clients over an extremely long period of time.  15:45 And that's great, but I also need to know how relevant I am in the voiceover industry, because if you book an audition this year. That means that your voice, your sound, your performance is in demand and you're keeping up with casting trends.  15:59 - Anne Ganguzza (Host) Love that and 20% is pretty good.  16:02 - Tom Dheere (Co-host) The other thing I do is I track the portal. How did I get this casting opportunity? The three portals in the voiceover industry are representation, online casting sites, self-marketing strategies. So, looking at my spreadsheet, so we're not quite at the end of the year yet, but we're pretty close. Right now it's only 8% of my work came through representation, 42% came through online casting. That's both free sites and pay-to-play sites. 26% came through direct marketing, 23% came through indirect marketing.  16:33 So what do those numbers mean? Well, it means a couple of things. One, you line up the genres of voiceover that you want to do with the portals that you need to use to get them. So, for example, agents don't cast audiobooks or explainers. So if I did a lot of audiobook work this year, that means I probably got it through ACX or Findaway, voices or Ahab or any of the other audiobook-centric casting sites. Or and this also happens a lot is that you develop direct relationships with audiobook production companies Hachette, podium Publishing, Oasis, a whole bunch of other places and so I can look and go oh okay, well, I got a lot of work through that too. So it's reconciling the genre of voiceover, the type of bookings that I got, with how I got them. So, for example, political so far has been my best genre. 23.9% of my voiceover revenue was political. Second best was e-learning. I do a ton of e-learning. I've had clients dating back to the 90s, so that makes sense.  17:35 - Anne Ganguzza (Host) Yes, does your spreadsheet calculate the percentage? Do you have like formulas built into that spreadsheet? That's awesome.  17:41 I do, I'm going to just ask, because I know there's a lot of bosses out there thinking this oh good Lord, it's a spreadsheet, and their eyes are already like rolling back in their heads because it's like overwhelming. Right, but tell me, how much time does it take for them to account for this? Because, if you think about it, this is nothing more than an expense report, really, and a little bit more right If you were to travel for your job, right? And so I feel like you always have to fill out an expense report in order to get paid for it. So this is kind of like your expense report slash income statement, inflow, outflow yeah, report for your business. And so how long should you expect to sit down at the end of a day, at the end of a week, and fill that out?  18:20 - Tom Dheere (Co-host) A couple minutes.  18:21 - Anne Ganguzza (Host) Okay. So see that, guys. It's only a couple of minutes, yeah it's only a couple of minutes.  18:27 And so even as overwhelming, like Tom is coming up with all these numbers and these statistics from his own job and his own year, but yet he's only spent a few minutes a day jotting this stuff down, and I think it's just something like muscle memory. As much as you go and practice character development or practice your scripts, it is time invested that you have to put into your studio, and I just want to say that. I think I want to clarify, tom, that there's a number of people that get into this industry because they find joy in reading books or they find joy in creating characters. However, not everybody finds joy in the work that's required, right, to actually create and delve in deeper to that character or delve in deeper to growing a business. As much joy as these things bring you, there is work involved and I just want to acknowledge and, tom, we've said it before multiple times it's hard, right. I mean not every single aspect of your business is going to be like, I mean, until you're probably established right, eight hours in the booth doing joyful, light character work.  19:27 If that's what you want to do, there is the other work that it takes to get you to that place to feel joyful, as you were explaining right so you can derive the feels right.  19:38 And so this assessment, this end of your assessment, can give you such valuable insight into where you've gone and where you want to go in the future and how much time you're going to have to dedicate to different aspects of it. And so it's worth the couple of minutes and I say that it's worth a couple of minutes, like to my students that are in performance. I say it's worth a couple of minutes to do that copy analysis, to do that character development, to do that scene writing, because in the end, that's what's going to pay off and get you the gig. Because in the end, that's what's going to pay off and get you the gig. Because ultimately, you can go in and create characters all you want, but until you make a profit doing that right, that's just all you're doing is going in your studio and creating characters, and if it's something that needs to pay the bills, that may not happen. Until you put in a little more work, that may not be as pleasant.  20:25 - Tom Dheere (Co-host) Right. I mean I've been developing this spreadsheet for 20 years, and I have been developing this spreadsheet for 20 years and I have all sorts of little formulas and things in there, yeah.  20:34 - Intro (Announcement) You get the benefit and you can have it for free.  20:36 - Anne Ganguzza (Host) Tom, is this for free? Oh my God, for free. That's so awesome, right? You don't have to put the work in that Tom. You're getting the benefit of Tom. This is why we call him the VO strategist, right? And if you need help, there he is, tom. I'm sure people can come see you and work with you, that you can help streamline this so that it becomes something that isn't so tedious or isn't something that you're questioning Well, why am I not booking work, or why is this not happening in my business? So, if you need an accountability partner and I'll tell you what I'm the first person to say that in my business, I will invest in something that will keep me on track, something that will keep me going. I have a business coach I invest in on a monthly basis, an accountability partner. Tom is like one of the best out there and he's done all this work for you. Sorry, I'm just. I'm gushing right now, tom.  21:27 But, bosses that know me like I don't bullshit sorry, I just don't I. But bosses that know me like I don't—bullshit sorry, I just don't. I'm honest to probably a fault, but I would not talk about Tom, nor would I have Tom on my podcast so many times if I didn't believe in what he's doing and I didn't believe that you're going to gain such value. And again, this won't be an month for Peloton so that I can get on that bike and be inspired and motivated by the Peloton instructor.  21:57 This is kind of no different right. It's worth it to me because the benefits, right that I get health-wise and joy-wise from getting on the bike and exercising and being inspired and motivated are very well worth the investment. And being inspired and motivated are very well worth the investment. And so, if this is something that you are not going to be disciplined enough to do, I believe that it's well worth your investment to really start seeing where your business has gone so that you can understand where to take it in the future right and guide it towards success. I stepped down from my podium.  22:29 - Tom Dheere (Co-host) Thank you, that was very kind of you. Thank you for all that.  22:32 - Intro (Announcement) I have an accountability too. I stepped down from my podium, thank you.  22:35 - Tom Dheere (Co-host) That was very kind of you. Thank you for all that I have an accountability too. I'm being truthful, I appreciate that, and I have a business coach too, and I have people in my village that hold me accountable because I have my days of self-doubt and self-loathing and laziness and stuff, and I have people that keep me on track.  22:48 But I, with my mentorship program, you're basically paying for an accountability and a business coach all in one, because folks I know bosses this stuff is hard. It's challenging on a logistical, financial, emotional, spiritual, psychological level and I am here for you. But you're grownups. You need to be able to invest in yourself and be consistent, be kind to yourself when you need to be kind, be firm to yourself when you need to be firm, and I frankly, don't care if you don't like the grownup stuff. I don't care, because the voiceover industry doesn't care either. You want to do this for money. You want to make all your goofy voices in the booth and play all day. Great, you got to put in a ton of work, a ton of work, and it never gets any easier. It just turns into different kinds of hard.  23:38 Anne has been doing this for a long time. Right, she has her own challenges, internal and external, that are just different from the ones that bosses who are earlier in their journey have. Same thing with me. But if you really want to know who you are, what your business is, what your relationship to the voiceover industry is, beyond just your talent, and how great coaches like Ann can help you realize your talent. You need to hunker down and use my damn spreadsheet and analyze your business and take a hard look, hunker down, Hunker down and use the spreadsheet. I'm wearing flannel today for you podcasters, so I'm feeling very, very very rural, use the damn spreadsheet.  24:17 - Anne Ganguzza (Host) Oh my God, I feel like hunker down and Use the damn spreadsheet. Oh my God, I feel like hug her down and use the damn spreadsheet. See, like even Tom and I have fun with character development. So I mean honestly like it just makes sense.  24:26 And I'll be completely honest with you, we run our businesses for a purpose and we're doing this for a purpose, right? And I want to support the joy that I have in doing what I do and, yeah, there are days when, gosh, it's painful. But I also outsource some of this stuff as well to an accountant, and I've said that multiple times. I have an accountant who takes care of all my inflows and outflows and categorizations and that's a big help right then, and there she doesn't track my auditions or how I got the job, but I mean honestly, like that's just a couple of extra steps. Now there's another piece of software out there there's I think it's voice overview that does that as well. Voice overview with Danny States. Is that correct, right?  25:07 They have kind of a CRM and people will say, well, can I do this? Can I track this with my CRM? Yeah, you probably can, right? I mean, you won't have the benefit of the mentor, a monthly kind of meeting with Tom, and even if you're using voice overview, I don't think there's like a mentorship built into that. But you know, it depends on what level you need and what level you're requiring.  25:27 The thing that I like about your spreadsheet, tom, is that it's local, right. I'm very leery of a database that I'm necessarily putting confidential information in, like what I'm getting paid per job, unless I know that that system has like security that nobody's going to hack in and like steal my contacts. That goes for a CRM system too, right, I want to make sure that that is secured and that there's no possibility that somebody is going to go in and get financial data on me that maybe I didn't warrant anybody taking or seeing, or my client base. And so I like yours, because yours is local. You can just download it and you copy it to your computer and there it is and that's as secure as your computer is, and then you can meet with your mentor right On a monthly basis, weekly basis, however, that works and that, to me, I feel good about and I'm leery about CRM software anyway, just because a lot of CRM software doesn't do exactly what I want it to do and people are always asking me what CRM to use.  26:26 I use multiple CRMs depending on what I need. I'm not necessarily putting in financial data. I have my trust in my accountant and I have trust in the software that handles that accounting data and that is where that data goes. Everything else is my computer and my business partner. That's it. Nothing that's sitting out there on a server. And you know I'm not trying to disparage anybody who might be subscribing to those other services, but that's just my personal feeling. I don't know, tom, how you feel about that.  26:55 - Tom Dheere (Co-host) Yeah, you got to work within your comfort level, your comfort zone.  26:58 - Anne Ganguzza (Host) And like.  26:58 - Tom Dheere (Co-host) Anne said you can download the spreadsheet. It's on your desktop and then you can back it up to your external hard drive and it never sees the internet and you're totally safe and you got to work within your comfort level of your CRM.  27:18 If you feel that you just need to have another spreadsheet backed up to your hard drive that has a breakdown of all of your contacts, that's all fine too, just as long as you're able to be able to interact with it effectively, so you know when it's time to market to which potential, current or past clients and how you do it, based on this work that you've done with them or the genres that they cast.  27:31 - Anne Ganguzza (Host) I don't want bosses to misunderstand to say that I don't trust CRMs. I have CRMs and I put my data on them, but I would need to know the specifics of the CRM. You know if they're a major company, I mean if they're not securing their data. You know what I mean and the reason why I'm like this is because I used to work in technology. I used to be the person that needed to secure the data so that nobody could hack in and get it, because I worked for a school with under the age of 18 children, so I needed to make sure that that data was safe. So I'm particularly anal about it. That's where my thoughts come from, so I don't want to like disparage any product out there. Just this is the way I feel about it.  28:09 Anyway what a wonderful way to assess how your year went, because how do you know, like, where you're going if you don't know where you've been, kind of thing. Right. It's nice to be able to assess how your year went, because how do you know where you're going if you don't know where you've been? It's nice to be able to assess how your year went so that you can really assess that, make improvements for the following year, because I know for a fact that I want to grow my business every year after year after year and, like you said, even though we've been in this business for so long, it doesn't get any easier even for us. I still have to strategize.  28:36 How am I going to grow my business next year? How am I going to evolve and change with a shift in the industry? Or, if there's shifts in the industry, how am I changing? Am I getting different performance coaching? How am I marketing myself differently? How am I planning my business? And I can't tell those things unless I've really assessed how the year has gone. So, tom, I so appreciate and we'll be putting the link for that download on our show notes page. And, of course, tom Dheere is always available to chat with. I'm sure you've got like one of those free consults that people can sign up for if they're interested in finding out more.  29:12 We have that also in the show notes. And with that I will say bosses, I hope you had an amazing year. I had a great year compared to like everything that's been going on this year. It's been a crazy year, but you know what? It's been a positive year and I always like a positive year in my business. So, Tom, thank you so much for all of your wisdom and, as always, for being a real boss.  29:35 - Tom Dheere (Co-host) Oh, thanks as always for having me, Anne.  29:39 - Anne Ganguzza (Host) Yeah, All right, Bosses. Big shout out to our sponsor, IPDTL. You too can connect and network like bosses. Find out more at IPDTLcom. Bosses have an amazing year coming up. I hope you had an amazing year. Make sure you assess it using Tom Dheere's downloadable PDF, and we will see you next week. Awesome Bye, guys.  29:59 - Intro (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

Martin Sokk is the Co-Founder and CEO of Lightyear. He joined Hector to discuss his journey from product management at Wise (formerly TransferWise) to building a company revolutionising retail investing in Europe.Martin shares how his product-driven mindset and relentless curiosity have shaped his career, offering insights into creating 10x products, scaling startups, and understanding customer needs through direct engagement. The conversation also dives into:Lightyear's mission to transform Europe's outdated and costly investing infrastructureThe challenges and opportunities of building a pan-European fintech solutionLessons learned from Wise and the importance of fostering entrepreneurial talentThe role of resilience in navigating crises and maintaining focus on long-term goalsMartin's story is packed with actionable advice and inspiration for founders, operators, and anyone passionate about fintech innovation.Don't forget to like, subscribe, and follow The Riding Unicorns podcast on your favourite platform and stay connected with us on social media for more inspiring episodes!

This is an excerpt from our previous conversation with Taavet Hinrikus on brave early stage building decisions and scrappy marketing tactics of Wise (Ex-Transferwise):How to build trust when nobody knows your companyMaximizing marketing efficiency on low budgetsSwitching your mindset from waiting to doingTaavet Hinrikus is a partner at Plural, a VC investing in founders on a mission to change the world through technology. He co-founded the legendary Estonian unicorn Wise (initially Transferwise) in 2010, where he was CEO and later Chairman, which went public in the first-ever direct listing in Europe in 2021. Prior to that, Taavet was Skype's Director of Strategy until 2008, starting as its first employee. He's been an active investor supporting more than 100 companies globally. More recently he co-founded Jōhvi Coding School to help increase the number of people with coding skills in Estonia.Listen to the full conversation with Taavet here on Episode 160:Link to SpotifyLink to Apple Podcastshttps://www.pursuitofscrappiness.co/episodes/160-taavet-hinrikus==The support for this episode comes from Leadfeeder - turn anonymous pageviews into concrete sales pipeline.Imagine knowing which companies are checking out your site, tracking their behavior on your site, and integrating all this into your CRM.That's exactly what Leadfeeder does for you. Head to https://bit.ly/4dQVsWe for a FREE demo and get a FREE EXTENDED premium trial by mentioning the Pursuit of Scrappiness podcast.Head to https://bit.ly/4dQVsWe

With Cathy Hackl and Lee Kebler on a recording break for the next few weeks, we would like to introduce you to “Marketing Vanguard,” our sister podcast. The word “vanguard” is defined as “a group of people leading the way in new development or ideas.” Marketing Vanguard: the podcast spotlights the people who are driving the marketing industry forward. The podcast is hosted by our friend and colleague, Jenny Rooney. This episode features Jenny in conversation with Kate Huyett, CMO of Bombas, a comfort-focused sock and apparel brand on a mission to help those in need. Many marketers will tell you that performance marketing and altruistic company missions run on parallel tracks that don't intersect. They're wrong. Listen in as Kate explains how Bombas aligns performance marketing with its company mission. Discover Kate's transition from Investment Banking at Goldman Sachs to leading marketing at Bombas. She reveals Bombas's mission, its evolution, and innovative marketing strategies. Explore the significance of brand, collaboration, and marketing's cross-functional dynamics. With insightful stories and future plans, this episode is essential listening for marketing enthusiasts.Subscribe now for an engaging and insightful experience!Kate Huyett BioKate is Bombas's Chief Marketing Officer. Over the last five years, she has been responsible for profitably growing the company's ad spend, driving customer loyalty, and telling the brand story through both online and offline channels. In her role, Huyett oversees the company's marketing department, which includes acquisition, retention, partnerships, digital products, insights, and data and analytics.Huyett graduated from Dartmouth College with a Bachelor of Arts in Geography & Economics. After graduating, she pursued a career in Private Wealth and Investment-Grade Capital Markets at Goldman Sachs. Over the last decade, Huyett has honed her expertise in strategically growing start-ups through a mix of marketing channels. Prior to Bombas, she served as VP of Marketing at online dating site HowAboutWe, leading the company through an acquisition, and as Director of Marketing, Americas at Transferwise, overseeing its North American expansion. Kate Huyett on LinkedInBombas Website Hosted on Acast. See acast.com/privacy for more information.

Send us a Text Message.Many of my brand agency coaching clients aspire to collaborate with the next big tech ‘unicorn' but struggle with breaking into that space.This is why I was particularly excited to chat with Natasha Lytton, the Head of Brand and Marketing at Seedcamp, Europe's leading seed fund.Seedcamp has provided initial funding to over 360 startups, including four European ‘unicorns': Hopin, TransferWise, Revolut, and UiPath. Natasha's extensive experience makes her a wealth of knowledge on collaborating with tech companies.This conversation was so insightful and impactful that it quickly became one of our top-rated episodes. We're thrilled to feature it again as part of our greatest hits.Tune into this episode to get insights on:Why brand design is often underestimated as a critical asset by tech startupsHow seed-stage brands manage their budget for brand designThe optimal time and strategy to approach startups in the tech spaceWhether startups should prioritize product development or brand development when resources are limitedMentioned during this episode: >> Grab the book Natasha is featured in, you can grab it here to support a good cause.>> Shoe Dog: A Memoir by the Creator of NIKE, by Phil Knight >> Delivering Happiness: A Path to Profits, Passion and Purpose, by Tony Hsieh of Zappos Resources mentioned in this episode:> Lead Flow Sprint > https://www.kaffeen.club/lfs Win Clients Consistently > https://www.kaffeen.club/wcc < > Client Magnet Book > https://www.kaffeen.club/book

Nilan Peiris is Chief Product Officer at Wise, where he leads on growth across channels including product and platform. Prior to Wise, Nilan was VP Growth at HouseTrip, in charge of scaling the company's growth in the European market. He's also worked as Chief Marketing Technology Officer at Holiday Extras, where he was responsible for all areas of technology, marketing and customer acquisition. Nilan also advises a number of early-stage startups on growth and getting to traction. In Today's Episode With Nilan Peiris We Discuss: Lessons Scaling Transferwise to the First 1M Users: What growth tactics worked in scaling Wise to 1M users? What growth tactics did not work? What did they learn? What did Wise not do that Nilan wishes they had done? What single product change completely changed the trajectory of their growth? 2. How to Use Content to Crush Competition: What are the two different types of content that all companies must now make? What are the single biggest mistakes companies make with content today? What do you do when your competition can spend 7-8x more on marketing? Is SEO and SEM dead today or does it still play the same prominent role? 3. Wise's Framework on How to Win at Performance Marketing: What have been Nilan's single biggest lessons on how to win in performance marketing? What are the biggest mistakes companies make today in performance marketing? When is the right time to diversify and add new channels? What level of channel concentration would concern Nilan to see? 4. The Secret to Adding More Products: When is the right time to add a second product? How does Nilan define great product marketing today? How can one do amazing and targeted product marketing with several products aimed at different customers? What are the single biggest mistakes that companies make with brand marketing?  

This week we speak with Hazal Muhtar, Director of Product Analytics at Wise. Wise probably needs no introduction. Launched in 2011 under its original name TransferWise, it is one of the world's fastest growing, profitable fintech companies and has been listed on the London Stock Exchange since 2021. Hazal heads up a rapidly growing data analytics team at Wise, and in our conversation, we discuss various topics including the role of data analytics in product innovation in a highly regulated industry, the challenge of building data and technology teams around strategic business priorities, and key considerations when scaling teams.

Throwback to one of Kristin's favorite podcast interviews with Nick Fabbri and Terysa Vanderloo of the YouTube channel, Sailing Ruby Rose.   In this podcast, they share how they quit their medical jobs in London to sail the world and what they've learned from three years at sea.   They talk about overcoming burnout and how they've been able to find more connection, community, and balance in their freedom-filled lifestyles.   They also describe the many cool features of their sailboats, the highs and lows of living life on the sea, detoxing from social media, and the lessons they've learned while exploring the globe.    Listen now to find the courage it takes to step outside of your comfort zone, take risks, and learn new skills to support yourself from anywhere. Plus, how to fund your travels while sailing full-time.   SPECIAL OFFERS: World Nomads Travel Insurance Podcast Feedback Form Traveling with Kristin Retreat Inquiry Form Subscribe to Kristin's weekly newsletter Wise International Account   TOPICS DISCUSSED/WHAT YOU'LL LEARN: Why Nick and Terysa were drawn to the sailing lifestyle. How to overcome the lack of knowledge that holds people back from pursuing a nomadic lifestyle of full-time travel. The benefits and challenges of living on a sailboat. How society keeps us tethered to a certain work/life structure and what it takes to break free from the shackles of society. The defining characteristics it takes to step outside of your comfort zone and take risks. How to cope with experiencing feelings of anxiety, depression, and loneliness - even when you're living a freedom lifestyle. The importance of staying in a country long enough to establish a community or friend circle and learn the local culture. What to do after the initial excitement of travel wears off.  How they learned how to make YouTube videos and how they come up with ideas for content. Their candid thoughts on quality vs. quantity when it comes to content creation. Why they transitioned from a monohull to a catamaran.  Where they've sailed so far and where they plan to travel next. Which countries have the cheapest mobile internet.  The near-death experience Kristin had on a boat in the Gulf of Mexico.   QUESTIONS ANSWERED: Why did you decide to quit your jobs to travel? How do you deal with being far away from friends and family? How did you learn your creative skills, like writing and making videos? How do you support yourselves financially? How do you find fast enough WiFi to work remotely from a boat? What advice would you give your past selves ten years ago? And much more!   RESOURCES Get your first international transfer up to £500 for Free with a TransferWise borderless bank account Book: The Untethered Soul by Michael Alan Singer Book: The Artist's Way by Julia Cameron Documentary: The Social Dilemma Podcast: Interview with Surf Photographer, Jimmy Wilson MAIB (Marine Accident Investigation Branch) Curve of Cultural Adaptation Starlink (Internet by Elon Musk) GoogleFi WiFi Dopamine Detox Video   RUBY ROSE SAILING VIDEOS:  Seawind Catamaran Review Video Catamaran Design Playlist   CONNECT WITH SAILING RUBY ROSE:  Follow Nick and Terysa on YouTube Sailing Ruby Rose Website Sailing Ruby Rose Patreon Sailing Ruby Rose Instagram ....................................................................................................... Thank you to Kristin's patrons! You can become a Patron for $5/month at Patreon.com/travelingwithkristin and see all of Kristin's YouTube videos first, attend monthly live streams, submit questions for the podcast, and be the first to find out about special offers and guests, as well as the chance to participate in beta programs at free or discounted rates. .......................................................................................................   Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad  Buy Official Merch  More Episodes: www.badassdigitalnomads.com   Connect with Kristin on Social Media:  Follow on Instagram Subscribe to Traveling with Kristin on YouTube  Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group   Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.   

On a lancé la Bible de l'entreprenariat : https://www.lachapelle.club/Tu y retrouveras des interviews, des masterclass, des guides, des conseils...Nous aimons les entrepreneurs et notre objectif numéro 1 est de les accompagner au mieux !_______La Chapelle Radio® par Hugo Bentz, CEO du Saas & Agency Studio La Chapelle. Je reçois dans ce podcast des entrepreneurs pour connaître leur parcours et leur histoire. Mon objectif est de comprendre comment ils ont fait pour rencontrer le succès et rendre celui-ci systémique. Bonne écoute !_______Aujourd'hui, on reçoit Jean de La Rochebrochard.Il a pris la tête de Kima Ventures en 2015, succédant ainsi à Jeremie Berrebi, une figure emblématique de l'écosystème startup français.Dirigé par Xavier Niel, Kima Ventures est un fonds convoité par de nombreux entrepreneurs. Leur portefeuille compte plusieurs succès notables tels que Payfit, iBanFirst, Transferwise, Spendesk, Alan, et bien d'autres.Il a joué un rôle crucial dans de multiples opérations d'investissement et contribuant au succès de nombreuses entreprises émergentes. Ce gars a un talent brut et il nous partage tout ce qu'il sait sur l'investissement dans des start-ups.On parle de tout ça dans l'épisode : full valeur !Dans ce 26e épisode, tu vas en savoir plus sur :

Steve Pretre, partner at World Innovation Lab (WiL), takes us on an extraordinary journey from his upbringing in Silicon Valley to becoming a key player in the insurtech and venture capital worlds. He shares the thrilling journey of starting Metromile and leading it through the IPO stage, highlighting some of the biggest challenges of starting an insurtech startup. Steve also dispels the skepticism about corporate venture capital firms (CVCs).In this episode, you'll learn:[3:47] Discover invaluable lessons from the pioneers of the insurtech industry[7:40] The story of Metromile: “I was excited and naive enough to think that we could pull that off.” - Steve Pretre[15:43] Early-stage investing isn't just about funds but also about providing strategic support to startups[22:40] Insights into corporate venture capital and why alignment of goals is paramount[27:18] The importance of staying true to your business vision and not blindly following VC adviceThe non-profit organization that Steve is passionate about: Woodside WildebeestsAbout Steve PretreSteve Pretre is a partner at World Innovation Lab. He is a veteran of multiple successful startups and has deep operating experience across product development, marketing, and strategic planning. Prior to joining World Innovation Lab, Steve was the co-founder and CEO of Metromile, an early innovator that paved the path for the current wave of insurance startups. He also held executive roles at Asurion, leading their mobile applications business unit as the company grew.About World Innovation LabWorld Innovation Lab is a venture capital fund supported by various governments and global corporations. WiL invests in companies looking to expand into new markets. They assist US startups in entering Japan and Asia and support Japanese startups in global expansion. Notable recent direct investments include Algolia, Asana, Automation Anywhere, Auth0, DataRobot, Kong, Mercari, MURAL, TransferWise, and Unqork. WiL also supports established and emerging venture funds. Additionally, they collaborate with corporate investors to enhance innovation through new business creation, startup partnerships, and cultural change. WiL acts as a bridge between startups and corporations in key innovation hubs globally, initially focusing on Japan and the US. Subscribe to our podcast and stay tuned for our next episode.

Lex chats with Aron Alexander - CEO, and Founder of Runa - a digital value infrastructure and network that enables people to pay and get paid by anyone, anywhere, instantly. The discussion delves into the founding story of Runa, which was inspired by insights from commerce experiences. Together Lex and Aron explore the significance of payment networks and loyalty programs in aligning incentives for merchants and providers. Runa's integration, impact, and impressive numbers in simplifying payments for merchants are unveiled. The conversation also covers the industry structure of third-party gift card providers, considering concentration, diversity, and geographic impact. The decision-making process behind building a global API layer and the mechanism of cross-border money movement are discussed. Aron dives into international transactions, scale, and the best customer use case—an embedded finance layer for business-to-consumer payouts. The growth strategy and revenue model are explored, focusing on incentives for success. The episode concludes with an insightful discussion about alternative forms of value, including equity shares, cryptocurrencies, and NFTs, and how Runa embraces alternative assets to mitigate volatility and facilitate seamless transactions. MENTIONED IN THE CONVERSATION Runa's Website: https://bit.ly/45coLOsAron's LinkedIn profile: https://bit.ly/3QrdAgF Topics: payments, paytech, infrastructure, cryptocurrency, digitalization, embedded finance Companies: Runa, WeGift, PayPal, TransferWise, CoinBase, Twilio ABOUT THE FINTECH BLUEPRINT 

Dive deep into the world of savings accounts and their hidden dangers. Follow Joshua's personal story as he unveils his struggle with the allure of holding onto cash rather than investing it for long-term growth. Don't forget to check out the referral links below. It can be a great way to sign up for some freebies and helps support the production of the podcast.Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your account.https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone : https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

Joshua is joined by Catherine Morgan who unravels the complexities of managing money and guides you through overcoming the obstacles of shame and fear. She shares her wealth of experience in helping countless women improve their financial literacy.Don't forget to check out the referral links below. It can be a great way to sign up for some freebies and helps support the production of the podcast.  Oddsmoney (Matched Betting)A website that gives a free trial and helpful tutorials to understand the world of matched betting.https://members.oddsmonkey.com/landing/raflp.aspx?raf=cEVRRVCheddar (Cashback at Tesco, Sainburys & More)Use my code ZKYFYKThttps://get.cheddar.me/app/ZKYFYKTLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USDAirtime Rewards (Passive Income - Save Money Off Phone Bill)My code C4UW7F9N  Rooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

► Episode Notes: Which number is bigger: 7 or 4? Find out on this week's PlayingFTSE Show! Steve D and Steve W are in this week to talk about the Ashes, the whereabouts of Paul, and the stock market this week. Why has the FTSE 100 been going down every day this week? We're starting with a question for Paul (who we thought might be here) With dividends yielding 4% and bank accounts returning 7%, why is anyone a dividend investor right now? Then it's on to a stock that both Steves quite like –Wise (formerly Transferwise). They've got a clever mechanism for moving money across borders and they're winning as interest rates go up, so is it a buy? After that, it's on to US news. Goldman Sachs has been having a horrible time with its Apple credit card deal, so why does American Express suddenly have an interest in this? Steve W has an idea… And lastly, we're looking at Accenture – a stock we've not talked about on the show before. Steve W thinks it's a great stock and Steve D has the info from the latest earnings. Is there an opportunity here? Only on this week's PlayingFTSE Podcast! ► Support the show: Appreciate the show and want to offer your support? You could always buy us a coffee at: https://ko-fi.com/playingftse (All proceeds reinvested into the show and not to coffee!) There are many ways to help support the show, liking, commenting and sharing our episodes with friends! You can also check out our clothing merch store: https://playingftse.teemill.com/ We get a small cut of anything you buy which will be reinvested back into the show....COMPOUNDING! (you read that in Svens voice right? Did Briscoe mention he got Sven on the show!?) ► Get a free share! Trading 212 is OPEN to UK users again! If you'd like to sign up and get a free share you can do so on the link below! And full disclosure we get one too! https://www.trading212.com/invite/FMh1Cuvp ► Timestamps:0:00 Intro07:34 The Cricket12:29 Dividend Investing29:59 WISE 44:52 Goldman Sachs53:30 Accenture ► Show Notes: What's been going on in the financial world and why should anyone care? Find out as we dive into the latest news and try to figure out what any of it means. We talk about stocks, markets, politics, and loads of other things in a way that's accessible, light-hearted and (we hope) entertaining. For the people who know nothing, by the people who know even less. Enjoy ► Wanna get in contact? Got a question for us? Drop it in the comments below or reach out to us on Twitter: https://twitter.com/playingftseshow Or on Instagram: https://www.instagram.com/playing_ftse/ ► Enquiries: Please email - playingftsepodcast@gmail(dot)com

Alright, let's dive right into the nitty-gritty of expat life. There's a lot of talk about living abroad, but let's face it, not everything you hear is the gospel truth. So, let's get real for a moment. Before packing those bags, it's crucial to do some serious research. Know what you're getting into, because the cost of living isn't always what it's cracked up to be. It varies, depending on where you're headed and how you like to live.... On the topic of languages though, don't assume you can get by with English alone in non-English speaking countries. It's essential to learn the local language (and customs) if you want to truly be part of the community. And let's squash that myth right now – living abroad is not a never-ending vacation. It's life, just in a different place. Feeling lonely? That's part of the package when moving to another country. It's normal, especially in the beginning. But use that time wisely. And don't get thrown off by cultural differences. What's logical in one place might not make sense in another. In this living abroad expat podcast episode of Not Your Average Globetrotter, we'll take a no-nonsense look at expat life. If you find my videos helpful, entertaining and/or if you feel as if I've helped you save time, headaches or legal fees, please consider making a monthly pledge on Patreon and becoming a monthly patron to help make more videos like this possible:

Today explore Sammie's remarkable journey from being £24k in debt to finding his stride as an entrepreneur in the personal finance industry. Get ready to discover practical insights and relaxed anecdotes on how starting small can lead to remarkable achievements.Don't forget to check out the referral links below. It can be a great way to sign up for some freebies and helps support the production of the podcast.Oddsmoney (Matched Betting)A website that gives a free trial and helpful tutorials to understand the world of matched betting.https://members.oddsmonkey.com/landing/raflp.aspx?raf=cEVRRVCheddar (Cashback at Tesco, Sainburys & More)Use my code ZKYFYKThttps://get.cheddar.me/app/ZKYFYKTLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USDAirtime Rewards (Passive Income - Save Money Off Phone Bill)My code C4UW7F9N  Rooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

Jason talks to Brigit Carroll, the policy lead for the Americas at Wise. Wise is a company that has previously appeared on the show. Jason has invited Bridget to discuss the progress or lack thereof regarding open banking in North America. They discuss various topics related to cross-border payments, banking apps, and the challenges faced by the industry. Bridget emphasizes the need for transparency in pricing and reducing the cost of remittances. They also talk about the evolving narrative of fintech disruptors and the importance of collaboration within the payment ecosystem.Episode Highlights00:42: Bridget provides a recap of what Wise (formerly known as TransferWise) is all about. 01:18: Wise is a global payments company that focuses on providing the best solution for moving money across borders. 02:22: Open banking is seen as a crucial component of the overall modernization of the payment ecosystem in Canada. 08:33: Bridget emphasizes the importance of faster payments, stating that Canadians deserve it and it's not just a luxury. Failure to deliver on this promise would be detrimental to consumers and businesses during the cost-of-living crisis.11:26: Bridget emphasizes the importance of bringing Canada up to speed with the rest of the world.16:22: Canadian banks are not competitive and are expensive compared to other financial institutions globally. 18:06: There are long lead times for various initiatives, such as the retail Payments Activities Act, which is currently undergoing consultations. 27:10: Knowing that we are making a positive difference in the lives of millions of people around the world is incredibly rewarding. It's why we do what we do, and it's what keeps us motivated to continue pushing for better solutions and a more inclusive financial system, says Bridget.3 Key PointsBridget explains that payments modernization in Canada includes various aspects such as real-time payments, modern payment licensing through systems like RPAs (Request-to-Pay Agreements), open banking, and enabling fintech companies to access the payment system through amendments to the Canadian Payments Act.Jason highlights the frustration of waiting several days for a payment to clear and emphasizes that instant payments are crucial for individuals who cannot afford to wait for their paychecks or for small businesses seeking instant liquidity.Jason criticizes banks for their generic marketing approaches that fail to address individual needs.Tweetable Quotes"Canadian banks may strongly resist open banking, while noting that Europe has taken a legislative approach, and the United States has embraced free market capitalism." – Jason"Wise was the first non-bank to access the Bank of England's faster payment system, resulting in cost reductions for customers and significantly faster payment processing." - Bridget"Change needs to happen in collaboration with regulators and incumbents as well. It's not about disrupting for the sake of disruption, but it's about working together to create a better system." – BridgetResources Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPodcast Editing Hosted on Acast. See acast.com/privacy for more information.

Sometimes the smallest things, like the ease of using your own name, can make a big difference when living abroad. Of course, this is an extreme example, but there are many little things that can pile up throughout your expat experience after moving abroad. Before making a decision to rent or buy property in another country, spending time living there fully embracing expat life to understand the day-to-day realities is crucial. This is because vacationing in a place often doesn't provide the full picture of what it's like to actually live there. The importance of work-life balance is also necessary to consider. For example, in the United States there's often an emphasis on hustle culture, which can be detrimental to work-life balance. In contrast, other parts of the world might offer more opportunities for a balanced life. However, it's important to recognize that what one person finds appealing in a location might not be the same for someone else due to different lifestyles and preferences and needs. Ultimately, understanding personal limits and what's needed for a fulfilling life is essential in making such life-altering decisions. If you find my videos helpful, entertaining and/or if you feel as if I've helped you save time, headaches or legal fees, please consider making a monthly pledge on Patreon and becoming a monthly patron to help make more videos like this possible:

Ola is a driven 25-year-old from London, who shares her transformative journey from employee to successful social media entrepreneur. Ola recounts how she took the leap, leaving her job to pursue her dreams full-time.Oddsmoney (Matched Betting)A website that gives a free trial and helpful tutorials to understand the world of matched betting.https://members.oddsmonkey.com/landing/raflp.aspx?raf=cEVRRVCheddar (Cashback at Tesco, Sainburys & More)Use my code ZKYFYKThttps://get.cheddar.me/app/ZKYFYKTLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USDAirtime Rewards (Passive Income - Save Money Off Phone Bill)My code C4UW7F9N  https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly DeaRooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

The longer we work in a career, the easier it is to forget the basics of what it means to be a good worker. If we let the fundamentals slip, are we really giving ourselves the best chance at a successful career? In this episode, we discuss the fundamnetals of being an outstanding worker.Don't forget to check out the referral links below. It can be a great way to sign up for some freebies and helps support the production of the podcast.Oddsmoney (Matched Betting)A website that gives a free trial and helpful tutorials to understand the world of matched betting.https://members.oddsmonkey.com/landing/raflp.aspx?raf=cEVRRVCheddar (Cashback at Tesco, Sainburys & More)Use my code ZKYFYKThttps://get.cheddar.me/app/ZKYFYKTLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USDAirtime Rewards (Passive Income - Save Money Off Phone Bill)My coRooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

Nouvel épisode d'Exitroots : J'interviewe Philippe Gelis, co-fondateur de Kantox, suite au rachat par BNP Paribas annoncé en Octobre 2022. Au cours de cette discussion passionnante, nous abordons divers sujets captivants qui retracent l'histoire entrepreneuriale de Kantox, ainsi que les développements récents dans le domaine du marché des changes. Dans cet épisode, vous découvrirez :

Is it possible to continue striving for FIRE in a high-inflation environment? Michael, a 39-year-old married father of three, originally from New Zealand, moved to Ireland in 2011. Since embarking on his FIRE journey in 2018, he has managed to save over €400,000. In this discussion, he clarifies what has helped him stay on the straight and narrow.Don't forget to check out the referral links below. It can be a great way to sign up for some freebies and helps support the production of the podcast.Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USDAirtime Rewards (Passive Income - Save Money Off Phone Bill)My code C4UW7F9N  https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

In this episode, we discuss our monthly money meetings and share financial stories from the past few weeks. During our monthly money meetings, we allocate dedicated time to sit down together and review our financial situation.Regular meetings are essential for us to stay on top of our finances and make informed decisions We talk about how we structure our meetings, prioritise them, and find compromises to reach a middle ground.Don't forget to check out the referral links below. It can be a great way to sign up for some freebies and helps support the production of the podcast.Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USDAirtime Rewards (Passive Income - Save Money Off Phone Bill)My code C4UW7F9N  https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)RefRooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

Today, I'm diving into the complex and increasingly important realm of financial crime. To guide us through this labyrinth, I am joined by an industry veteran and dedicated crime fighter, Taavi Tamkivi. As the Co-Founder and CEO of Salv, Taavi Tamkivi brings decades of experience in fraud, revenue assurance, and consumer analytics. Prior to founding Salv, he led the AML, Fraud, and KYC teams at distinguished companies such as TransferWise and Skype. However, despite his significant contributions, Taavi felt the vast financial crime expended a more collaborative and holistic approach. This inspired him to establish Salv, a company focused on innovative, cooperative methods of combating financial crime. At Salv, Taavi is pioneering Europe's first collaborative crime-fighting network, creating a new front line in the battle against financial crime. Today, we'll delve into the emerging threats of financial crime, financial institutions' difficulties in combating it, and how collaboration is key to turning the tide. As we conclude our insightful dialogue with Taavi Tamkivi, we're left with a deeper understanding of the complex landscape of financial crime. His insights into detection, prevention, and the power of collaboration in the fight against crime are invaluable in this rapidly evolving sector.  

Join me, as we delve into the highs and lows of the journey to Financial Independence (FI). In a world grappling with the cost of living crises, it's natural to question the possibility of achieving FI.In this episode, I reflect on my own personal behaviors which help share my FI journey. From practicing frugality in everyday life to developing strategic investing habits, each aspect plays a vital role in paving the way to financial independence.Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your account.https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use myThe Physician Syndicate: Angel Investing | Venture Capital | Startups | Personal FinanceThe Physician Syndicate Podcast: A podcast for physicians to jump into the startup world.Rooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

Financial independence for creatives is often seen as unattainable, except for elite, high-level performers. But is that really the case? In this episode, Anamarie talks about how running her own music studio and playing the flute are helping her move towards a financial independence goal in the future. She also aims to educate more musicians about the topic of personal finance.Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your account.https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone : https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

Joshua responds to two listener questions from Tom, a stone carver, and shares his personal recommendations for the best US-based podcasts on Financial Independence, Retire Early (FIRE). Joshua also delves into an intriguing topic - what important message he would put on a billboard. While it may seem challenging to distill a life lesson into a single statement, Joshua uses this question to reflect on his own values and beliefs. Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My 1st free share was Gregg's.  https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your accounthttps://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD Airtime Rewards (Passive Income - Save Money Off Phone Bill)My code C4UW7F9N  https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

Ryan is an entrepreneur and world traveler who has embraced the challenges of a nomadic lifestyle and used it as an opportunity to learn new skills. Ryan shares his experiences of how he has overcome the hurdles of constant change, and how he has used his willingness to embrace new skills to develop his business and money management abilities.Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note.https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your account.https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone : https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

This is the second episode of a two-part series about coping with anxiety. We discuss how it feels, what can help alleviate symptoms, and how the arts and movement can play a role in managing stress and mental health. (Normally I release every two weeks, but since this is a two-parter I wanted them closer together!)   In this episode of Lifeyness Jessie Shternshus, CEO of The Improv Effect, discusses her personal journey with  anxiety from a young age.  Also find out how a simple game of hot potato inspired a lifelong friendship! ;-)   We discuss: The art of improvisational theater How anxiety can feel from a young age How Jessie has managed her symptoms What helps interrupt the downward spiral of overwhelming thoughts How improv plays a role in boosting mental health What does play mean to Jessie? How you can be a more playful grownup! A summary of tips and advice from both episodes 4 and 5   Follow me! IG: book_of_lifeyness TikTok: book_of_lifeyness           Jessie Shternshus is the owner and founder of The Improv Effect and is committed to helping individuals, teams, and companies reach their full potential by helping them break free from conformity and adapting to our rapidly changing world. With her interactive and inclusive exercises, Jessie inspires a shift in mindset and creates collaborative environments that empower people to be their best selves.     With a focus on connection, curiosity, trust, and play, Jessie has been a driving force behind internal training and coaching for global organizations such as Netflix, Tyson Foods, The United Nations, PGATour, Ocean Spray, HP, Transferwise, Macy's, The Department of Defense, Getty Images, Adecco, CapitalOne, and many more.     As the co-author of "CTRLShift: 50 Games for 50 *** Days Like Today" and "No More Meetings: Unlearn 'bored room' Practices to Change the Way We Connect," Jessie is passionate about embracing more effective and engaging ways of working. With her dynamic approach and infectious energy, Jessie has also been a sought-after keynote speaker at conferences worldwide.   LINK TO JESSIE'S BOOKS   Disclaimer: the host and guests of this show are not mental health professionals. The discussion and interview here are for educational purposes only. Please seek professional help if you're experiencing distressing mental health symptoms.   Music credit: William Claeson "Song for a New Beginning"

According to a report by the Financial Conduct Authority, approximately 15 million people in the UK have less than £100 in savings, highlighting the need for greater financial literacy. In this episode, Joshua provides valuable insights and practical tips for achieving financial independence, drawing on his personal experiences and lessons learned along the way.Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Speak PipeLove the show, or have some feedback? Use this link to send me a voice note. https://www.speakpipe.com/theartofmoneyandcommunicationTop Cash BackEarn cashback on everyday purchases.https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your account.https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone : https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

If you want to get in contact with us you can reach us via email at ⁠associatedpodcast@gmail.com⁠ as well as on Twitter (@associated_pod). We are trying to understand our listeners better so we can make better content. You can really help us out by filling out our listener survey which you can find here (https://airtable.com/shraJVvUNv6D7PkDP). Description: For Episode 2 of Season 8, our newest series on ‘How to raise a venture fund', Danielle and Tunde talk to Julian Rowe, a GP of Latitude, a sister fund of Local Globe and under the parental umbrella that is Phoenix Court Group. Founded in 2002, the Local Globe is one of the oldest pre-seed and seed specialists in Europe and have recently launched two new later stage funds, Latitude (Growth) and Solar (pre-IPO). They have raised over ten separate funds and have invested in some of Europe's biggest unicorns including Zoopla and Transferwise. Julian unveils his fascinating journey into venture and delves into his perception of the LP landscape in Europe compared to the more mature US scene. In addition, Julian gives some fantastic advice to future GPs on how to build strong relationships with LPs and how to think about your strategy and team composition as your fund matures. It is not an episode to miss!

Have you ever discovered that a colleague is earning more than you?  In this episode, we'll be discussing salary negotiation, drawing upon personal experiences from the creative arts sector.We'll provide you with practical tips and strategies to develop your negotiation skills, think creatively about compensation, and maintain consistency in your negotiation efforts. So if you're ready to take the next step in your career and achieve the financial success and professional growth you desire, tune in to this episode. Communication 60www.communication60.comLeave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Top Cash BackEarn cashback on everyday purchases. https://www.topcashback.co.uk/ref/joshmills04Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)Sign up to get a free $20 credit on your account. https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZiglu (Free £5)https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone : https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Referral code he5n8u

Joshua steps out of his usual role to be interviewed by Dafydd Morse about the crucial importance of having the right financial mindset for side hustles. With insights on managing money effectively, setting clear goals, and staying disciplined.  Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Shares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)The Art of Money is produced and streamed on the Buzzsprout website. You can upload your podcast to all Apple, Spotify and all the other big hosting platforms.Sign up to get a free $20 credit on your account. https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZigluHey, I've got an account with personal money app Ziglu and I think you'd enjoy using them too. Use my link to earn a referral bonus after your first qualifying exchange: https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Life To The Full Podcast (Dafydd Morse)Support the Podcast by listening here:https://podcasts.apple.com/gb/podcast/life-to-the-full/id1534223587Rooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

In her quest for an affordable Nativity set, Iryna stumbled upon what seemed like an excellent deal advertised on Facebook. However, the purchase turned out to be a scam, and Iryna learned valuable lessons on how to avoid falling victim to such scams. In this podcast episode, we explore the crucial steps that one can take to safeguard against scams. We also encourage you to take the necessary measures to protect yourself and spread awareness of the dangers of scams. Let's work together to ensure that we are not the next victims of fraudulent activities.Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Trading 212 (Free Share Worth Up to £100)Get a Free Share!https://www.trading212.com/invite/HEzPUEfJShares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Shopmium (Free Can Of Pringles & Weekly Deals)Hey, how about a FREE can of Pringles? Just download the Shopmium app and enter my referral code he5n8u

Taavet Hinrikus is the Co-Founder and former Chairman of Wise, the unicorn fintech which used to be called TransferWise. He's now the Co-Founder of Plural, an investment platform for early stage capital built by founders and real operators like Taavet. Oh, and he was also the first ever employee at Skype. Basically, he's one of the top startup dogs in Europe so we had to get him on to learn what the difference is between great companies and the rest. It's always amazing hearing about the early days of companies which become absolutely massive like Wise, or Skype. These are the days when they're signing up tens of users, rather than tens of thousands - and they're wondering if they're barking up the wrong tree. All startups begin with 0 real users and it's fascinating how the best navigate their way from there to the top. Taavet is part of the group of Estonian entrepreneurs who've had a GDP level impact on the country.  Let's find out why he's been so successful. We'd love your feedback hello@secretleaders.com Sponsor links: evelyn.com/secretleaders/ vorboss.com/secretleaders personio.com/secretleaders vanta.com/secretleaders

Chris founded Divido in 2014, now the world's largest white-label platform for Buy Now Pay Later. As founder/CEO Chris took the company to 10 countries and onboarded over 100 clients including Mastercard, HSBC and BMW. They have raised over $50m are recognised as the 83rd fastest-growing company in Europe by the Financial Times '21 and achieved 1250% revenue growth over three years until 2020. Chris is also an investor with Seedcamp, who have backed over 350 startups including the likes of Revolut and Transferwise, Entrepreneur in Residence at HSBC and Fellow at Primary Venture Partners - Early-stage investor in startups based in New York. Episode Links: Dividio Primary Venture Partners trumpet Chris on Linkedin

Are you curious to know how to double your income while working smart and not hard? Join us in this episode where we dive into the financial journey of our special guest who started from humble beginnings and overcame adversity to move toward financial stability. Discover how side hustles, bank switching, and referral bonuses helped him increase income, and how you could use these tools too. The Art of Money Saving +https://www.buzzsprout.com/1010941/subscribeFor just $5 USD you'll have access to extra content from Joshua and his guests. This is your chance to go behind the scenes and hear all the juicy bits that don't make it onto the main podcast. Plus, you'll be supporting the continued sharing of important financial stories.Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Trading 212 (Free Share Worth Up to £100)Get a Free Share!https://www.trading212.com/invite/HEzPUEfJShares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)The Art of Money is produced and streamed on the Buzzsprout website. You can upload your podcast to all Apple, Spotify and all the other big hosting platforms.Sign up to get a free $20 credit on your account. https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZigluHey, I've got an account with personal money app Ziglu and I think you'd enjoy using them too. Use my link to earn a referral bonus after your first qualifying exchange: https://inviSpreadsheet Model (As mentioned in Pod)https://docs.google.com/sprRooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

Faced with only 10 years until retirement and a pension that wouldn't sustain him, Perry took matters into his own hands. He began documenting his journey on his YouTube channel, where he shares valuable lessons from his experiences as a minimum-wage taxi driver and successful property investor. Perry's unwavering determination and hard work ethic, working up to 80 hours a week, serves as a testament to the power of taking a proactive approach to your finances. With Perry's lessons and insights, you too can create a plan for a secure retirement and start taking steps towards a better financial future.The Art of Money Saving +https://www.buzzsprout.com/1010941/subscribeFor just $5, you'll have access to extra content from Joshua and his guests. This is your chance to go behind the scenes and hear all the juicy bits that don't make it onto the main podcast. Plus, you'll be supporting the continued sharing of important financial stories.Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Trading 212 (Free Share Worth Up to £100)Get a Free Share!https://www.trading212.com/invite/HEzPUEfJShares (Free £20 Stock)Sign up with my referral link and you'll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)The Art of Money is produced and streamed on the Buzzsprout website. You can upload your podcast to all Apple, Spotify and all the other big hosting platforms.Sign up to get a free $20 credit on your account. https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZigluHey, I've got an account with personal money app Ziglu and I think you'd enjoy using them too. Use my link to earn a referral bonus after your first qualifying exchange: Rooted in RetailMade for Indie Retailers! Navigate the retail landscape with expert advice & insider tips.Listen on: Apple Podcasts Spotify

Vinay Palathinkal is Regional Head, Wise Platform at Wise. Formerly known as TransferWise, Wise is a leader in cross border money movement, moving more than $132 billion every year and employing 5000 people across 14 global offices. Wise Platform is the third and newest pillar of Wise's products, allowing platforms like Google Pay and banks like Monzo to integrate and benefit from Wise's global payments infrastructure. Show notes at: www.bravesea.com/blog/vinay-palathinkal2

cc: growth journeys from emerging ecosystems to global markets. (Episode in English - live recording during cc: Nights in Tallinn) Taavi Tamkivi is the founder & CEO of the Salv, which is an AML platform built by the creators of TransferWise & Skype's compliance. Salv gives companies the flexibility and speed they need to get ahead of financial criminals. Gelecek etkinliklerimizden haberdar olmak için bültenimize abone olun: https://www.getcced.com/#CTA You can reach us through our website ( getcced.com ) or @getcced on Instagram, Twitter, Youtube, Facebook, and Linkedin. Hosted by Enis Hulli, Rina Onur and Arin Ozkula.

The downsides of investing in stocks What is “Launching Financial Grownups” all about?Challenges and benefits of teaching kids financial literacyCo-op properties: What they are and how they operateEffective ways to teach your kids smart financial habits The Life & Money Show Spotlight:Your Life & Money: What is one thing you're doing to live a meaningful and intentional life by design?Other's Life and Money: What is one life or money hack that you can share that will make an impact in others' lives right now? Life & Money in the World: What's the one thing you're doing right now to make the world a better place? RESOURCES/LINKS MENTIONEDHow to Be a Financial Grownup by Bobbi Rebell | Paperback and HardcoverLaunching Financial Grownups by Bobbi Rebell | Hardcover and Kindle  Episode 400! Bobbi's Stepdaughter Ashley shares her Top 5 Money TipsGreenlight Kids & Teen Banking | Google Play and App Store JWI.org ABOUT BOBBI REBELLBobbi Rebell is a CERTIFIED FINANCIAL PLANNER™ professional and host of the critically acclaimed Money Tips for Financial Grownups podcast. She is the author of “Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart.” Her first book "How to Be a Financial Grownup: Proven Advice from High Achievers on How to Live Your Dreams and Have Financial Freedom” was released in 2016 and featured financial role models including Kevin O'Leary, Tony Robbins, Cynthia Rowley, Sallie Krawcheck, and Drew Barrymore. In 2017, she left her job as a global business news television anchor and personal finance columnist at Thomson Reuters to expand the Financial Grownup brand into other channels of financial education content. Later that year, she obtained her CFP® certification.  Previously Bobbi had worked at CNBC, CNN, and PBS' Nightly Business report.  In 2021, Bobbi created GrownupGear, a line of fun, high-quality products to celebrate adulting.  Bobbi is now a frequent keynote speaker, emcee, and conference host/moderator and continues to anchor local news reports on a freelance basis. She also works with prestige brands as an on-camera host, influencer, and brand ambassador to help amplify their message. Current and past clients include JP Morgan Asset Management, Tally Technologies, Synchrony, Transferwise, GenTrust, Hightower, Meredith Corp., ICSC,  Splitit, and Coop THINK. She graduated from the University of Pennsylvania and received her Certificate in Financial Planning from New York University. Bobbi lives in NYC with her husband, 3 kids, and her morkie Waffles. CONNECT WITH BOBBIWebsite: Bobbi RebellPodcast: Money Tips For Financial GrownupsFacebook: Bobbi Rebell LinkedIn: Bobbi Rebell Kaufman, CFP®Twitter: @bobbirebellInstagram: @bobbirebell1 CONNECT WITH US To connect with Annie and Julie, as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join Life and Money Show Podcast Community on Facebook. To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club. Be sure to also grab your free copy of the Investing For Good book (just pay S&H)-- Thanks for listening, and until next time, keep investing for good! 

On this episode of Build Better Brands, Danielle Clarke is joined by Paul David Perry and William Gadsby Peet, founders of Literal Humans, who have a focus on creating not just resilient brands but brands that are mission-driven and have real values.KEY TAKEAWAYSWe gambled a little, but were thankfully proven right on, as there probably wasn't a better time to start than in the middle of a pandemic. Obviously the first six months were pretty rough, everyone battened down the hatches and no one had any budget. But then everyone realised that the only way we can make money is online and it was a good time to run a content and digital marketing agency because to sell stuff online you need content and digital marketing, so it proved to be a bit of a lucky/strategic masterstroke.The name gets us a lot of mileage, I think it sticks in people's heads and maybe they laugh about it initially, but they ask about it. To be fair, your first job as a marketer when you're starting an agency is to build something memorable, build a memorable brand for yourself that will be sticky in people's minds and thankfully we've accomplished that, I think.SaaS is Software as a Service – Dropbox is SaaS, technically Netflix is SaaS – it's anything you pay a recurring retainer for and in return you get software as a tool, like Adobe, Figma or Canva. With the world we live in today those are the ones that tend to be unicorns. The reason we focus on startups in the SaaS space is they tend to grow very quickly and very interestingly. With regards to mission-driven, we work with people we think are making the world a better place in some regards. We don't work with anyone we think is doing something actively bad and we don't work with anyone we think is not going to be into our style and our marketing, anyone who's going to be too by the numbers, boring, uninterested in what we do. One of the most common things that annoy us about brands is 1) that they've drunk their own Kool-Aid and they think that they've created a revolutionary product, then you use the product and you're like: “Mate, this is just a rip off of something else with slightly different branding and one USP.” Be eyes wide open about what you're selling. 2) No one has any fucking creativity or interest in being risky any more. In the 90s brands' logos and work marks were made, now every single brand copies Apple's; a straight monochrome word mark because everyone would rather be non-offensive than actually inspiring. One of the things we love about our agency and the people we get to work with is they're up for taking risks. They'd rather delight 70% of their market and piss off 30% of it than be a bowl of oatmeal to all 100%. That's one of the biggest things branding is missing at the moment: Risk takers.BEST MOMENTS‘Most marketing is shit. The reason that it's bad is it just talks at people rather than to them. All the best marketing tells a story, treats people like humans and tells a human narrative.'‘Everything we do is for humans by humans.'‘Bad branding is bad branding, I don't think by doing a bad job you should be crucified online. But, you kinda should do it.'‘A principle we laid down early on, and we've seen the data and we just know intrinsically and morally, frankly, that diverse teams perform better. It's not even just about performance, it's the ethical right thing to do in 2020 in one of the most diverse cities in the world.'ABOUT THE GUESTPrior to launching Literal Humans, Paul David Perry worked as a freelance writer and content strategist for a number of different tech brands, including Contentstack, Submittable, TransferWise, and Toptal. He also helped build a previous agency from $500K ARR to $1.5MM ARR in under two years by providing high-quality content strategy + execution across a range of clients and building internal agency systems. Before his career in content marketing, he worked in education and nonprofit management in the US.William Gadsby Peet is a former journalist turned digital marketer that specialises in content and digital marketing strategy. Before co-founding Literal Humans, he worked as a performance marketing specialist and consultant, generating millions of pounds in profit for a roster of international clients.Website: https://literalhumans.com/Socials: @literalhumansABOUT THE HOSTDanielle Clarke is a Brand and Marketing Consultant, University Lecturer and Business Owner.Since 2006 Danielle has provided brand design and marketing support for clients including Škoda, Gtech, UK Biocentre, UK Mail and GIRLvsCANCER Danielle is committed to helping brands that want to have a positive impact on people's lives. She spends her time consulting and working with business owners to help them attract and retain their best customers.The Build Better Brands Podcast is a labour of love created each fortnight by our small team of committed editors and producers. If you love the show, we hope you'll consider supporting our work – for just the cost of a cup of coffee (or tea): https://www.buymeacoffee.com/danielleclarke Insta - @danielleclarkecreative | [https://www.instagram.com/danielleclarkecreative/]LinkedIn - [https://www.linkedin.com/in/danielle-clarke-creative/]Twitter - @D4nielleCl4rke |  [https://twitter.com/D4nielleCl4rke]Email - hello@danielleclarkecreative.comWebsite: www.danielleclarkecreative.com This show was brought to you by Progressive Media Hosted on Acast. See acast.com/privacy for more information.

On this episode of Think Like A Founder, SNP Co-Founder & CEO Maureen Taylor speaks with John McElhone,  Co-Founder and CEO of CropSafe. They talk about growing up with your co-founder, being scared of a traditional path, and the right balance of ignorance. CropSafe helps farmers gain insight into their crops, using satellite imagery and machine learning to accurately detect and predict diseases and contamination. John was named in the Transferwise 20 under 20 list for the year 2020.Think Like A Founder is produced by SNP Communications in San Francisco, California. Learn more about the Think Like A Founder podcast and curriculum by visiting us at https://snpnet.com/tlaf/ or connect with Maureen Taylor on LinkedIn to continue the conversation there. Series Producer: Mike SullivanSound Design: Marc Ream Content and Scripting: Catherine Hardy and Jaselin DrownProduction Coordinator: Natasha ThomasThanks also to Róisín Hunt, Selena Persiani-Shell, Jordan Bailey, Matt Johnson, Eli Shell, John Hughes, and Renn Vara.

Michael Goodbody's journey to CMO of FinTech company Dave is certainly a unique one—starting in professional sports, moving to journalism, then switching to FinTech marketing. Spending time at fast-growing financial institutions like Wise (formerly TransferWise) and Credit Karma gave him an exceptional growth marketing lens within a space known for growth leveling. In this episode, Alan and Michael discuss his marketing process, his focus on products that achieve what people are looking to do, countering the competition, and Michael's thoughts on the type of talent he's looking for in marketing today. In this episode, you'll learn: Keys to differentiation in the FinTech Space The difference between creative growth marketers and data-driven creatives What type of creative talent is needed for FinTech marketing Key Highlights [01:30] Michael's path to marketing [06:56] All about Dave [08:41] How Dave's unique background contributed to current success [10:24] Approaching the role of CMO [12:37] Growing within the FinTech space [21:48] Continuing to stand out in a crowded marketplace [28:16] What marketing looks like at Dave [33:01] Defining marketing talent at Dave [38:19] An experience that defines Michael [40:06] Michael's advice for his younger self [42:38] What marketers should be learning more about [46:05] Brands and causes we should notice [48:14] The biggest opportunity or threat for marketers today From our sponsor: I want you to have the same easy experiences I do for all my podcasting and content needs. If you go to zencastr.com/pricing and enter promo code (marketingtoday), you'll get 30% off your first three months. It's time to share your story! Resources Mentioned: Dave (Neobank) John Goodbody (related sports journalist) Fintech experience: Wise, Credit Karma ExtraCash™ Overdraft Limit to $500 Career openings at Dave Other fintechs to watch: CashApp, Robinhood,Truebill, Coinbase Follow the podcast: Listen in iTunes (link: http://apple.co/2dbdAhV) Listen in Google Podcasts (link: http://bit.ly/2Rc2kVa) Listen in Spotify (Link: http://spoti.fi/2mCUGnC) Connect with the Guest: https://www.linkedin.com/in/michaelgoodbody/ https://twitter.com/michgoodbody https://twitter.com/davebanking Connect with Marketing Today and Alan Hart: Twitter Alan B Hart - http://twitter.com/abhart LinkedIn Alan  - https://www.linkedin.com/in/alanhart Twitter Marketing Today - http://twitter.com/themktgtoday Facebook Marketing Today - https://www.facebook.com/themktgtoday/ LinkedIn Marketing Today - https://www.linkedin.com/company/marketing-today-with-alan-hart/ Support the show: https://www.patreon.com/marketingtodaySee omnystudio.com/listener for privacy information.

Rajeev Dham, Managing Director at Sapphire Ventures, spoke to Rudolf Falat, founder of the Voice of FinTech podcast, about investing in enterprise software companies with a positive impact on communities such as Wise, formerly TransferWise.Here is what they talked about: Rajeev's background Sapphire Ventures introduction Why focus on the enterprise software What kind of start-ups Sapphire invests in Investment approach Tips for aspiring founders to start and grow their company, especially B2B Funding status quo this year Success stories: e.g., Wise, formerly TransferWise Sourcing Favorite business-related book: Red Notice: A True Story of High Finance, Murder, and One Man's Fight for Justice  Best way to reach out: rajeev@sapphireventures.com

Yvonne Bajela spent time with us on the Grinders Table sharing her experience building a career, following her intuition, taking risks and pivoting throughout her career. Yvonne invests in startups across the UK & Africa. She is a founding member at Impact X a UK-based venture capital fund founded to invest in companies led by underrepresented entrepreneurs. Over the last five years, Yvonne has invested over £200 million in various startups across Europe, the Middle East and Africa including Wise (formerly TransferWise), Flutterwave and Marshmallow. --- Send in a voice message: https://podcasters.spotify.com/pod/show/the-grinders-table/message

Ready to take a peek into our super efficient tech stack for 2022? Great! Because I'm sooo ready to share it with the world! I wouldn't count myself as someone who's super techy, BUT I do know the value of having the right tools and systems in place. There are so many new apps and it's amazing how it can help businesses like ours automate tasks and optimize operations. But with so many options available, a lot of us can end up overwhelmed and end up making things a little complicated. But wow! Since we made streamlining our business the focus this year, things have been so much easier. So let me walk you through what we've used so far, how they worked, and the ones that we found to be real keepers! 100 Degrees Consulting Tech Stack (and how we're using it to set out team up for success and support our clients): Slack - This is what we use for our internal team communication. We use this to create a workspace and they have a feature called Huddle which automatically brings the team into a meeting so no more links that need to be sent out. ClickUp - Our new project management system. This app can do so much but I have to admit it took a while to get used to. It helped us to make seamless transitions even if we have employees who are on leave or in an emergency. Ignition - The newest app we're currently testing out. This is an industry-specific software and it just is better for us because they have conversion rates in their dashboards and KPIs we need. It already knows accounting, bookkeeping, and even invoicing. So it is mighty powerful. Calendly - Something we would be transitioning to as well because this app goes hand in hand with Ignition. This app handles all of the scheduling we need for our clients. QuickBooks/ThriveCart/Stripe - All of our finances and processing payments go through these apps. Our clients are sent invoices using these apps and receive payments but these are probably going to be moved over to Ignition soon. Gusto - Anything expenses related, we use this app to track and for our payroll. We're also paying our contractors including our international staff. If we need anything related to time tracking, expense reimbursements or performance reviews, then this is a must have. Libsyn - This is the podcast host I use for my episodes. Audacity/Zoom - I both use these apps for my podcast solo episodes and guest episodes. AMEX - we use credit cards for all of our expenses aside from payroll. Get those points, get those miles. Other apps that were part of our tech stack previously: Asana - project management app. Dubsado - general software for generating proposals and agreements. Acuity - scheduling app for meetings and calls. TransferWise - a secondary site we use for international contractors. This might look like a lot, but these tools were an absolute game-changer! It has helped us automate our systems and made our processes even more organized now. So, make sure you tune in, make notes and complete your epic tech stack hunt! "We don't need all of the platforms out there just because they sound cool, because a lot of 'em are really cool and they can do really cool things, but often I feel like we overcomplicate things and we really don't need to.” - Stephanie Skryzowski What you'll learn in this episode: What does the 100 Degrees Consulting tech stack looks like The apps that we love, didn't love, and how it changed the way we do things Importance of streamlining your business More resources to help you set your business up right: How to Make Decisions Using Time vs. Money Margins 7 Best Business Tools to Boost Efficiency & Profitability What You Need to Know Before Selling Your Business How to Protect Your Business Rights with Sarah Waldbuesser How to Keep Your Business Running While You Are On Vacation What To Do When Investments in Your Business Don't Work Out  

In the first episode of our new strand - Business Daily Meets - we hear from Estonia's first billionaire, Kristo Käärmann. In this in-depth interview the TransferWise (now Wise) co-founder and CEO explains how a €500 loss led to the creation of a multi-billion dollar business. He tells us about creating something from nothing, keeping his ego in check, and insists saving customers $1 billion a year is only the start of the journey. Presenter: Rahul Tandon Producer: Sam Clack Image: Kristo Käärmann; Credit: Jake Farra/Wise