Podcasts about Union Bank

In this episode of Eyeway Conversations, George Abraham speaks with Sameer Latey, a finance professional with over 25 years of corporate experience, currently working at Reliance Industries.Despite losing his vision completely in 2000, Sameer pursued Chartered Accountancy, navigated articleship without digital accessibility, and steadily built a successful career in finance and accounting. From Tally and SAP to mergers, acquisitions, and taxation, his professional footprint spans major organizations across Mumbai.Beyond work, Sameer is actively involved with Snehankit Helpline, mentoring others, developing screen reader-compatible Tally training, and supporting blind students with accessible study materials. In this conversation, he shares:How he entered finance and cracked CA before accessibility tools were mainstreamWorking in diverse roles at Union Bank, MCX, and RelianceTips on navigating corporate life as a blind professionalHow screen readers, self-learning, and teamwork shaped his careerHis ongoing volunteer work and why staying updated is non-negotiableReflections on AI's growing role in finance and accessibilityEyeway Helpdesk: 8800 00 4334 www.scorefoundation.org.in

Tom Bodrovics welcomes back Tony Greer, trader, editor of The Morning Navigator , and co-founder of the MacroDirt podcast, to discuss the current state of global markets. The conversation begins with an overview of the chaotic economic landscape, including regime change dynamics, inflationary pressures, and market volatility across sectors like bonds, gold, oil, and Bitcoin. Tony highlights the breakdown of traditional market correlations, making it difficult to predict trends. He emphasizes gold as a key store of value, noting central bank buying but expressing caution about its current highs and potential vulnerabilities if buyers step back. Gold miners, meanwhile, are performing well, though Tony questions whether larger investors will shift allocations into them. The discussion turns to bond markets, particularly the Japanese situation, where yields have spiked, raising concerns about central bank intervention. Tony suggests that yields may continue to rise before any potential stabilization. He also touches on inflation, noting that while official numbers appear tame, everyday costs remain high, and the impact of tariffs could linger. Oil prices are surprisingly stable despite geopolitical tensions, with plenty of supply keeping prices in check. Tony speculates that energy stocks could rebound if oil prices stabilize but remains cautious about their profitability at current levels. The interview also covers the broader economic picture, including the risks of a U.S. recession and the impact of Trump's trade policies. Tony expresses skepticism about chasing recession narratives, instead focusing on market trends and central bank behavior. He concludes by reiterating the importance of watching stores of value like gold and Bitcoin, given the ongoing themes of currency debasement and geopolitical uncertainty. Timestamp References:0:00 - Introduction0:43 - Interesting Times1:42 - Politics & Correlations3:44 - C.B. & High Gold Prices12:05 - Timeframes & Signals16:46 - Capital Rotation Miners19:44 - Global Debt Markets22:57 - Volatility & Confusion25:16 - C.B. Coordination & YCC27:00 - Inflation Threats?28:41 - Oil Price Drivers33:18 - Recession Risks?35:25 - Tariff Ramifications37:14 - Copper?38:10 - Trump's Administration40:40 - 2025 What to Watch43:58 - U.S. Debt Overhang?45:21 - Wrap Up Guest Links:Substack: https://tgmacro.substack.com/Twitter: https://x.com/tgmacroWebsite: https://tgmacro.com/E-Mail: tony@tgmacro.comMacro Dirt Podcast: https://www.google.com/search?q=macro+dirt+podcast After graduating from Cornell University in 1990 Tony followed in his father's footsteps to a Wall Street trading operation. He quickly learned his career path would be vastly different. He says, "I would not be sitting in the same seat on the same trading desk managing the same risk for the same firm for over 30 years." We have clearly entered a new era in financial markets. He began in the treasury department of Sumitomo Bank on the 107th floor of the World Trade Center downtown Manhattan. Tony was an FX trading assistant while the Quantum Fund was breaking the Bank of England in 1992. In 1993 he joined Union Bank of Switzerland as an FX and commodities trader, spending half a year as a Vice President in their Zurich treasury department. Then returned to New York City early in 1995 to join J. Aron & Company, the privately held commodity trading arm of Goldman Sachs. He managed risk for the Goldman Sachs Commodities Index, in precious and base metals trading, and futures and options trading on the New York Mercantile Exchange. He started his first venture in 2000 – Machine Trading which happened right before the tech bubble burst. That decision was his first excruciating life lesson in market timing. It turned out to be an extremely valuable learning experience. He believes there is a massive opportunity with both the unprecedented situation in global markets and in the way financial news is consum...

Host: Tracy Shuchart for MicDropMarketsThis spaces is brought to you by NinaTrader Live where you can find me every morning at 8AM ET to talk macro markets and at 2:30 PM ET to discuss the hot commodities of the day, streaming live on the NinjaTrader YouTube channel.GuestsTony Greer Tony began his career in the treasury department of Sumitomo Bank then moved on to join Union Bank of Switzerland as an FX and commodities trader. He returned to New York to join J. Aron & Company, the privately held commodity trading arm of Goldman Sachs. Where he managed risk for the Goldman Sachs Commodities Index, in precious and base metals trading, and in futures and options trading on the New York Mercantile ExchangeHe has worked for prop firms and the NYSE trading floor. In August of of 2016 Tony TG Macro to create an independent research firm where he could combine 25 years in trading and 15 years writing a daily newsletter into one analytical platform. Tony provides fundamental, technical, and behavioral analysis of global markets to a group of institutional clients and a personal subscriber base. He now also has the Macro Dirt Podcast with Jared Dillion. Bob IaccinoCo-Founder of Trading path partners and host of the popular Futures Edge Podcast and Finance Unfiltered Newsletter.Bob Iaccino spent the last 30 years in the commodities, futures and Forex markets.Bob got his start in 1993 by joining Nikko Securities (Japan's third largest brokerage house at the time) as a phone clerk. Bob left Nikko in 1997 to serve as Chief Market Strategist for Commerzbank Futures, the brokerage arm of Germany's 4th largest bank at that time. Bob left Commerzbank in late 2002 to become Chief Market Strategist for a proprietary trading firm based in Chicago, who gave him the opportunity to run his own commodity pool.He has appeared on CNBC, CNBC Asia, Bloomberg Television and radio, CNN, CNN International, CNN Moneyline, Fox Business News, First Business (Canada), Phoenix TV (China) and several local television broadcasts throughout the country.Disclaimer: This material is presented solely for informational and entertainment purposes and is not to be construed as a recommendation, solicitation, or an offer to buy or sell / long or short any securities, commodities, or any related financial instruments. Please contact a licensed professional before making any investment or trading decisionsEnjoy!

Comment, question, or idea for the podcast? Send us a Text Message! Welcome to the Kobe episode of Season 2!This week, the gang updates us on some recent House Bill introductions while also (obviously) empathizing with the OCM and all of their IT issues in the final hours before the application deadline. Happens to the best of us! You'll get 'em next time, OCM!Plus, later in the episode, Marcus introduces us to the other 2/3 of his business venture, Jamil Jackson and Justin Carter. Between these three dudes lies an endless stream of stories, wisdom, lessons, and laughs as they chat about their histories both in cannabis and in business, how one mistake can lead to the greatest second chances in the world, and they look ahead to the exciting things coming around the corner for Minnesota cannabis.Also in this episode, Tanner, Steve, and Jordan most likely get cancelled by playing a new game Tanner has dubbed, "Lit Lent." Take one guess as to what you think this game is about...0:00:00-0:18:53 -- Introduction and "Lit Lent" [GAME]0:18:53-0:49:51 -- This Week in MN Cannabis [NEWS]0:49:51-1:56:23 -- Marcus' Chat w/ Jamil Jackson and Justin Carter [INTERVIEW]2:00:10-2:17:18 -- High Notes (kind of...)PLEASE be sure to subscribe, like, and share this episode with your favorite smoke sesh buddies! We'd love to have them in the circle!Get your Limited Edition MNCC x Grove Bag Today!For Yourself - https://mncannabiscollege.org/product/grovebag/For Your Shop - https://mncannabiscollege.org/product/grovebagwholesale/Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaALinks from the Show:Public Comments for the Office of Cannabis Management Expedited Rulemaking Process - https://minnesotaoah.granicusideas.com/discussions/40360-minnesota-office-of-cannabis-management-notice-of-intent-to-adopt-expedited-rules-without-a-hearing?NPR Article: https://www.npr.org/2025/02/05/g-s1-46564/cannabis-market-illegal-weed-consumersThank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! Application Deadlines, Municipal Dispensaries, and Tribal Compacts - another week of Northern Lights, this week with Steve, Jordan, and Guest Host Doc Dabs!Then, Tanner sits down with Zowie of EcoGarden Supply to answer your home grown questions. Finally, it's another high note! Join us for it all today!Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaAThank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

In this episode of ScamRangers, host Ayelet Biger-Levin welcomes back fraud and financial crime expert Ken Palla to discuss the evolving global response to scams. They dive into Australia's groundbreaking Scam Prevention Framework, lessons from the UK's Contingent Reimbursement Model and Online Safety Act, and why the U.S. lags behind in fraud prevention. Ken shares insights on the need for ecosystem-wide collaboration, financial institutions' role in scam prevention, and the regulatory challenges hindering progress in the U.S.Tune in to learn: How Australia reduced scam losses by nearly 30% in one year The UK's mandatory scam reimbursement regulation and its implications Why financial institutions must take a proactive role in scam prevention The challenges and opportunities for data sharing and fraud controls in the U.S. The rise of AI-driven scams and what banks can do to protect their customersLinks Mentioned in This Episode: Ken Palla on LinkedIn: https://www.linkedin.com/in/ken-palla-09b585/ Ken Palla's Blog on the California Senate Hearing: https://www.biocatch.com/blog/california-senate-scam-prevention Aspen Institute Financial Health Task Force : https://fraudtaskforce.aspeninstitute.org/ Latest FTC Scam Statistics Report?: https://www.ftc.gov/news-events/news/press-releases/2025/03/new-ftc-data-show-big-jump-reported-losses-fraud-125-billion-2024This podcast is hosted by Ayelet Biger-Levin, who has spent the last 15 years building technology to help financial institutions authenticate their customers and identify fraud. She believes that when it comes to scams, the story starts well before the transaction. Ayelet created this podcast to talk about the human side of scams and to learn from those dedicated to advocating for scam victims and taking action against fraud.Be sure to follow Ayelet on LinkedIn: https://www.linkedin.com/in/ayelet-biger-levin/Learn more about her work at RangersAI: https://www.rangersai.com/

Comment, question, or idea for the podcast? Send us a Text Message! Catch the team LIVE at the Lucky Leaf Expo on Friday, February 28th. Listen as we chat with industry pros, play Strain Name Word Salad, and give our praised to The Girl Scouts of America.Get your Limited Edition MNCC x Grove Bag Today!For Yourself - https://mncannabiscollege.org/product/grovebag/For Your Shop - https://mncannabiscollege.org/product/grovebagwholesale/Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaAThank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

Tony Greer founded T.G. Macro in 2016, an independent market analysis company, where he could combine 25 years in trading and 15 years of writing a daily newsletter into one analytical platform. He provides fundamental, technical, and behavioral analysis of global markets to nearly 1,000 individuals in his institutional client and personal subscriber base. After graduating from Cornell University in 1990, Tony traded currencies and precious metals in the Treasury Departments of Sumitomo Bank and the Union Bank of Switzerland, followed by six years at Goldman Sachs running the Goldman Sachs Commodities Index and spot gold trading. Tony then began a career as an equity sales trader, educating his clients in the natural resources space, until he started T.G. Macro and introduced the Morning Navigator newsletter. ”Goldman Sachs was one of my big clients and I always tried to give them the most competitive price that I could in the FX markets. Through the broker market, I wound up meeting at a dinner the trader who was on the other end of the phone at Goldman Sachs. He was grateful that I quoted him such competitive prices and wanted to say thanks. He asked if I was interested in speaking to some people on their desk. It was the kind of thing that can happen in a career where you get to know the people that work at a competitor and wind up getting a job offer from them because they liked your style and thought that you could help their operation.”

Comment, question, or idea for the podcast? Send us a Text Message! Applications open, OCM grant money becomes available, and rule making moves to the next step! Then, listen as Marcus sits down with Dr. Clemon Dabney to discuss his background and future in the cannabis industry.Finally, it's time for another high note! Get your Limited Edition MNCC x Grove Bag Today!For Yourself - https://mncannabiscollege.org/product/grovebag/For Your Shop - https://mncannabiscollege.org/product/grovebagwholesale/Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaAThank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

I'm here with Katelin Rood, owner of local coffee shop, Mack's Golden Grounds. Welcome to the podcast!  Sponsors – Tall Grass, Union Bank and Trus HOST:  Callie Hurley This podcast is produced by the York County Development Corporation.  For more information, please visit https://www.yorkdevco.com/.  .. TWITTER: @YorkNEDevCo FACEBOOK:  facebook.com/YorkCountyDevelopmentCorporation/  .. TEAM: Lisa Hurley, Exec. Director  Emily Perry, Host   Austin Pistulka, Producer from Max Country/KOOL Radio

Comment, question, or idea for the podcast? Send us a Text Message! With the state's Office of Cannabis Management set to launch its licensing process, Steve and Tanner break down key dates, what businesses need to know, and when we might see the first licensed dispensaries open. Meanwhile, Moorhead is preparing to open Minnesota's first off-reservation cannabis shop, and NPR takes a deep dive into the challenges facing the U.S. regulated market, from competition with the legacy industry to overly restrictive regulations.Plus, we bring some fun into the mix with our Super Bowl-themed game, Soup or Bowl.Then, Steve sits down with Bryant Jones, a key player in the industry, to discuss where things are headed and explore the finer science of cannabis.Finally, we wrap things up on a high note! Huge thanks to Dabbler Depot for hosting us! If you enjoy the show, leave us a review or tell a friend!Get your Limited Edition MNCC x Grove Bag Today!For Yourself - https://mncannabiscollege.org/product/grovebag/For Your Shop - https://mncannabiscollege.org/product/grovebagwholesale/Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaALinks from the Show:Public Comments for the Office of Cannabis Management Expedited Rulemaking Process - https://minnesotaoah.granicusideas.com/discussions/40360-minnesota-office-of-cannabis-management-notice-of-intent-to-adopt-expedited-rules-without-a-hearing?NPR Article: https://www.npr.org/2025/02/05/g-s1-46564/cannabis-market-illegal-weed-consumersThank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! Tanner, John, and Jordan return to the Dabbler Depot Studio for Episode 18 of Northern Lights, diving headfirst into Minnesota's cannabis landscape as the industry edges closer to the long-awaited licensing window. With applications opening in less than two weeks, we break down what prospective business owners need to know, including key deadlines, potential pitfalls, and why there's still no application available.Then, we explore an alternative approach to cannabis in Minnesota—the Cottage Cannabis Exemption. Could a model similar to the state's cottage food laws allow small-scale growers and makers to thrive? We discuss the details and debate its potential impact.Then, we show you how easy it is to submit a comment on the Office of Cannabis Management's proposed rules. Remember to submit your comment before 4:30 p.m. CST on Wednesday, Feb. 12!Next, it's time for Looking into the Crystal Bong – 2025 Edition, where we rank five possible future events—without knowing all the options in advance! Will OCM finally remove the potency cap on concentrates? Will Wisconsin beat Minnesota to the finish line on legalization? Or will the Mall of America embrace cannabis culture with a food court dab bar?And finally, we wrap up with High Thoughts, sharing the deep (or ridiculous) ideas that have been on our minds lately.Big thanks to Dabbler Depot for hosting us! If you enjoy the show, leave us a review or tell a friend!Get your Limited Edition MNCC x Grove Bag Today!For Yourself - https://mncannabiscollege.org/product/grovebag/For Your Shop - https://mncannabiscollege.org/product/grovebagwholesale/Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaALinks from the Show:Public Comments for the Office of Cannabis Management Expedited Rulemaking Process - https://minnesotaoah.granicusideas.com/discussions/40360-minnesota-office-of-cannabis-management-notice-of-intent-to-adopt-expedited-rules-without-a-hearing?Cottage Cannabis Exemption (Information Packet) -https://www.canva.com/design/DAGYP-4sZfo/xeyd_Xho_ErrTPVDgYVbWQ/viewCottage Cannabis Exemption (DRAFT Bill Text) - https://docs.google.com/document/d/1pOjOFwq7j_qBACBPEJUCAqFDM_wqSMhmjmUxWBYUVz0/edit?usp=sharingThank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! It's the final episode of the first month of 2025, and what a year it's been! Jordan, Steve, and Tanner kick things off with the latest news, diving into highlights from the 2025 OCM Annual Report, the public's reactions to proposed rule changes, and the ongoing legal battles over the state's canceled preapproval lottery. Plus, we play a round of Blazed and Confused, our stoner-themed “Would You Rather” game.In our featured interview, Tanner is joined by Dave Woodbeck of Dope CFO to discuss cannabis accounting and financial strategy. Dave shares his journey from traditional accounting to cannabis, his work with Dope CFO, and critical financial advice for cannabis startups in Minnesota.This week, the crew is trying Unwind's Energized Orange Cream gummies. The staff at Unwind recommends these gummies for getting things done, embracing creativity, or getting the giggles. Check them out today in Moorhead! Finally, as always, we wrap things up with some quirky High Notes from the crew. Another week, another fresh episode of Northern Lights! Get your Limited Edition MNCC x Grove Bag Today!For Yourself - https://mncannabiscollege.org/product/grovebag/For Your Shop - https://mncannabiscollege.org/product/grovebagwholesale/Drop your HOT TAKE for the Crew Here: https://forms.gle/5E46ewn6zPyRvTwaALinks from the Show:OCM 2025 Reports - https://mn.gov/ocm/about-us/reports/Draft Rules from the Office of Cannabis Management (Jan 13, 2025) - https://mn.gov/ocm/assets/RD4844-11295180100844890568-011325_tcm1202-664935.pdfPublic Comments for the Office of Cannabis Management Expedited Rulemaking Process - https://minnesotaoah.granicusideas.com/discussions/40360-minnesota-office-of-cannabis-management-notice-of-intent-to-adopt-expedited-rules-without-a-hearing?Dave Woodbeck - https://www.linkedin.com/in/davewoodbeck/ (or via dave.woodbeck@dopecfo.us or 651-592-3461)Thank You to Our Sponsors!North Star Cannabis Consulting - https://zaap.bio/northstarcannabisconsulting/Dope CFO - https://wooddopecfo.wordpress.com/EcoGarden Supply - https://www.ecogardensupply.com/Union Bank and Trust - https://www.ubtmn.com/PLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! It's cold outside, but Tanner, Steve, and Jordan are fired up in the Dabbler Depot studio for another episode of Northern Lights! First, join us for a game we're calling Word Salad Strain Name! With a mix of random words, we craft outrageous cannabis strain names like “Caribou Cookies” and imagine their flavor, aroma, and effects. Which will reign supreme?Then the crew then tackles the newly proposed expedited OCM rules, including the controversial 70% THC cap, medical vs. adult-use tracking systems, and more. What do these changes mean for consumers, craft producers, and the future of Minnesota's cannabis industry? Spoiler: the team has opinions.Next, Tanner is joined by Toph (@firebeards), a local cultivator and solventless processor, to discuss the impacts of the 70% THC cap on craft businesses and consumers. Using a clear juice analogy, Toph explains why the cap doesn't make sense and what it could mean for innovation in the industry.Finally, we wrap things up with High Thoughts as the team reflects on cannabis memes, creative inspirations, and more.Thanks to Dabbler Depot for hosting! Follow us on Facebook, Instagram, Reddit, LinkedIn, and YouTube. Don't forget to subscribe, share, and leave a comment!Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Draft Rules from the Office of Cannabis Management (Jan 13, 2025) - https://mn.gov/ocm/assets/RD4844-11295180100844890568-011325_tcm1202-664935.pdfPublic Comments for the Office of Cannabis Management Expedited Rulemaking Process - https://minnesotaoah.granicusideas.com/discussions/40360-minnesota-office-of-cannabis-management-notice-of-intent-to-adopt-expedited-rules-without-a-hearing?@Firebeards on IG - https://www.instagram.com/firebeardsGreen Machine Memes on IG - https://www.instagram.com/stories/highlights/17944941704808341/Thank You to Our Sponsors!North Star Cannabis Consulting- https://zaap.bio/northstarcannabisconsultingNatural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comPLNTRK - https://www.plntrk.com/#Cannabis #minnesota #cannabisnews #northernlightspodcast #OCM #cannabiseducationSupport the show

Comment, question, or idea for the podcast? Send us a Text Message! When it rains cannabis news in Minnesota, it's a freaking snowstorm! Tanner and Marcus dive headfirst into a whirlwind of updates shaping the state's cannabis landscape. With leadership shake-ups at OCM and a fast-tracked rulemaking process that has disappointed many in the community, the year is already off to a wild start.But it's not all news on Northern Lights! Join us for game time with Who's In the Circle? This week, we debate who earns the final spot in the smoking circle: buds, besties, or beefs? Who's the chillest toke buddy, and who's most likely to hog the joint? We're making tough calls, and it's your turn to weigh in!Tanner also sits down with Sydney Peloquin from Minny Grown to talk about her journey into cannabis, the evolution of the industry, and how she tells the brand's story online. From standout products to exciting plans for 2025, Sydney gives us a glimpse of what's next for this Minnesota-grown powerhouse.Finally, it's time for the weekly High Note! Tanner, Marcus, and Jordan share their latest musings—whether cannabis-inspired revelations, a flash from the past, or totally random epiphanies.Buckle up—it's a blizzard of cannabis content to kick off the new year, and you won't want to miss a second of it!Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Press Release from Governor Walz - https://mn.gov/governor/newsroom/press-releases/index.jsp?id=1055-663733Draft Rules from the Office of Cannabis Management (Jan 13, 2025) - https://mn.gov/ocm/assets/RD4844-11295180100844890568-011325_tcm1202-664935.pdfPublic Comments for the Office of Cannabis Management Expedited Rulemaking Process - https://minnesotaoah.granicusideas.com/discussions/40360-minnesota-office-of-cannabis-management-notice-of-intent-to-adopt-expedited-rules-without-a-hearing?MinnyGrown - https://minnygrown.com/Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comPLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! Please Note: This episode was recorded before news broke that Charlene Briner will step down as interim director of OCM on Jan 17th to be replaced by OCM's General Counsel Eric Taubel. Check back next week for our full take!Tanner and John kick off 2025 with an in-depth look at Minnesota's cannabis landscape. As the legislative session looms, the state faces uncertainty, with legal disputes and special elections shaping the balance of power. We explore what's ahead for lawmakers and the cannabis industry.Next, we delve into the latest moves by Minnesota-based MSO Vireo, followed by a special game, Looking Back on 2024, where we rank last year's most impactful cannabis moments. Which events will stand the test of time, and which will go up in smoke?Tanner also chats with John Dugas of Superior Molecular about cutting-edge hemp-derived edibles, water-soluble THC, and the future of cannabis emulsions in Minnesota and beyond.Then a one-two punch of Tanner's Terp Tasting with Green Machine Farm's BOP and Hashy Gilmore's Sour Papaya with Cayle from the Dabbler Depot! To wrap things up, we're joined by our friend Kelly to share our High Thoughts to close this exciting first episode of the year!Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Press Release from Governor Walz - https://mn.gov/governor/newsroom/press-releases/index.jsp?id=1055-663733Superior Molecular - https://www.superiormolecular.com/Green Machine Farms - https://www.instagram.com/greenmachinecannabisHashy Gilmore - https://www.instagram.com/hashy.gilmore710Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comPLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! In this special holiday bonus episode, the Northern Lights Podcast team wraps up 2024 by reflecting on the year's biggest "High Notes." Join Tanner, Stephen, Jordan, and listeners from the Northern Lights Holiday Party as they share personal and cannabis-related highlights from the past year, explore trends to watch in 2025, and recount some hilarious and heartfelt moments.Then, hear from Casey Hedican (Trichrome Collector) as he shares his insights on growing cannabis outdoors in Minnesota. Discover what it takes to produce high-quality solventless concentrates and what makes sun-grown plants truly unique.Meanwhile, Tanner takes on a wild challenge—22 dabs in two hours! Will he make it through the episode? Tune in for plenty of laughs, insights, and surprises as the NLP crew caps off the holiday season in their signature style.This episode is filled with good vibes, gratitude, and excitement for another amazing year with the Northern Lights fam.

Comment, question, or idea for the podcast? Send us a Text Message! The OCM sidesteps the District Court and moves forward with licensing, Vireo and UFCW 1189 strike a deal to prevent a strike, and Detroit Lakes and Ely weigh their approach to cannabis regulation — all this and more on this week's Northern Lights.Then, Steve, Tanner, and Jordan celebrate Super Boof, Leafly's 2024 Strain of the Year. We sample Super Boof from a few different makers and share our hopes for cannabis strains in 2025.We also try out True Bloom's Edible Strips, a fresh take on THC-infused edibles with a blend of THC+CBD+CBN.Finally, we end on the highest of notes for our final episode of 2025!Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:NORTHERN LIGHTS HOLIDAY PARTY - https://www.eventbrite.com/e/northern-lights-holiday-party-tickets-1096465651279?utm_experiment=test_share_listing&aff=ebdsshiosMN OCM Announcement - https://mn.gov/ocm/media/news-releases/?id=660604Contract Agreed to Between Vireo and UFCW Local 1189 - https://ufcw1189.org/news/tentative-agreement-reached-vireo-health-mnDetroit Lakes Passes Cannabis Ordinance - https://www.dl-online.com/news/local/detroit-lakes-passes-cannabis-ordinance-but-cracks-way-down-on-number-of-possible-retail-shopsEly Cannabis Ordinance - https://www.elyecho.com/article/2325,council-a-weed-killerSuperBoof Leafly Strain of the Year 2024 - https://www.leafly.com/news/strains-products/super-boof-leafly-strain-of-the-year-2024True Bloom Mango Guava Edible Strips - https://truebloomwellness.com/products/cbd-strips-rest-mangoThank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comPLNTRK - https://www.plntrk.com/Support the show

Comment, question, or idea for the podcast? Send us a Text Message! Medical cannabis rejections, DEA drama, and clemency calls—this week on Northern Lights, Steve and Tanner break down all the key headlines.Next, it's a terp-filled dab buffet with Sam Milstein of Milstagrams THC Distribution as we explore the unique flavors and aromas found across Minnesota's cannabis scene.It's a new month, which means a fresh subscription box is available from our partners at MinnesotaCannabisSeeds.com — don't miss it!Plus, Tanner's Terp Tasting spotlights the Legacy Cup-winning Rainbow Guava #5 from Happy's Headstash — our highest score (and samplers) yet!We also sample King Bee Cannabis Co's Raspberry Lemonade and Blueberry Lavender gummies for a sweet finish.Finally, we wrap it all up with some thought-provoking 'High Thoughts' from the crew.Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:NORTHERN LIGHTS HOLIDAY PARTY - https://www.eventbrite.com/e/northern-lights-holiday-party-tickets-1096465651279?utm_experiment=test_share_listing&aff=ebdsshiosArticle on DEA Updates from Marijuana Moment: https://www.marijuanamoment.net/dea-judge-scolds-agency-for-failure-to-submit-marijuana-rescheduling-evidence/Last Prisoner Project - https://www.lastprisonerproject.org/Milstagrams THC Distribution - https://www.milstagrams.com/Happys_Headstash on IG: https://www.instagram.com/happys_headstashKing Bee Cannabis Co - https://www.kingbeecannabis.com/Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comSupport the show

SentiLink is at the forefront of fraud prevention and identity verification, offering innovative solutions to help financial institutions tackle synthetic fraud, identity theft, and more. We're thrilled to have them onboard as partners in our mission to equip you with the tools and knowledge you need to stay ahead in this ever-evolving landscape.Stay tuned for more great episodes and insights—thanks again to SentiLink for supporting the podcast! Visit: https://www.sentilink.com/ and learn all about them!In this episode, Ken Palla, a former online security manager at Union Bank, shares insights from his open letter to US regulators addressing the urgent need for stronger guidance on scam controls and data sharing between financial institutions. Ken discusses the challenges banks face in combating authorized payment scams and proposes solutions modeled after past FFIEC online security guidance. He emphasizes the importance of clear regulations around data sharing, particularly through updates to the 314B provision, to enable more effective fraud prevention. He also highlights the growing threat of scams, their impact on consumers, and the role of banks in protecting customers. The conversation touches on international efforts to combat scams, the need for collaboration between banks, telcos, and digital platforms, and practical advice for consumers to avoid falling victim to scams.Open Letter from Ken Palla----------------------------------About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/

Comment, question, or idea for the podcast? Send us a Text Message! It's been a week in the Minnesota cannabis world, and Steve and Tanner are here to break it all down. The Office of Cannabis Management (OCM) scheduled the first round of its Social Equity Preapproval Lottery… and then the District Court stepped in with a stay, temporarily halting the process. Next step, Minnesota Court of Appeals.Meanwhile, Minneapolis and Duluth are busy considering cannabis ordinances, each putting their own spin on what regulation should look like for retailers and parks. On the business side, things aren't much smoother. Employees at Vireo are on the brink of a strike after slow-moving contract negotiations with UFCW Local 1189, threatening to throw half of the state's medical cannabis program into disarray. And in slightly lighter news, a study from the University of Minnesota shows that students are trading heavy drinking for cannabis. Call it progress?This week's episode also features an interview with Sean Paul Kehren of North Star Law Group. Sean shares stories about growing up in Pine City, his path to becoming a lawyer, and what's driven him to navigate Minnesota's cannabis legal landscape. Quick note: North Star's lawsuit against OCM hadn't been filed yet when we recorded this conversation.To unwind, we sample Modist Brewing's new Melt Pop's flavors—Citrus Punch and Sangria Ginger Ale—and Tanner treats us to Big Cat Hash's Strawberry Pie for another Terp Tasting. As always, we end with a high note, trying to find some joy in the everlasting and ever growing chaos.Production Note: Most of this episode was recorded before the court's decision on Monday. Even so, the conversations are still relevant—maybe even more so. We'll be back later this week with more thoughts on that ruling.Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:OCM Lawsuit Decision: https://www.startribune.com/minnesotas-first-lottery-for-cannabis-business-licenses-delayed-amid-litigation/601186596Minneapolis Feedback on Cannabis Ordinances: https://www.minneapolisparks.org/news/2024/11/18/minneapolis-park-and-recreation-board-opens-public-comment-period-for-draft-cannabis-and-tobacco-and-thc-policies/North Star Law Group: https://northstarlaw.com/cannabis/ (or email to sean@northstarlaw.com) Modist Melt Pop Citrus Punch: https://modistbrewing.com/drinks/melt-pop-citrus-punch/Modist Melt Pop Sangria Ginger Ale: https://modistbrewing.com/drinks/melt-pop-sangria-ginger-ale/Big Cat Hash: https://www.instagram.com/bigcathashThank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comSupport the show

Comment, question, or idea for the podcast? Send us a Text Message! In this episode of Northern Lights, Steve and Tanner dive into the latest developments shaking up the cannabis world. First, they dissect the Office of Cannabis Management's recent legal action against Zaza in Minneapolis and St. Paul. Then, they unpack fresh Gallup poll data revealing that cannabis has officially outpaced tobacco in popularity (finally!), while exploring how GTI and RISE are positioning themselves for big moves in the hemp industry. Plus, they discuss the former OCM director's transition to a new role in the federal government—and her brand-new podcast.Next, Tanner sits down with Curtis White of MN Roots, a cannabis retailer with locations in Elk River and Cross Lake, MN. Curtis shares stories about growing up in rural Minnesota, his experiences working in the cannabis industry in California and Arizona, and the invaluable lessons he's learned over decades in the field. Hear all about his headline-grabbing partnership with Off the Path, a tribally-owned dispensary making waves in the industry.Finally, it's time for Tanner's Terp Tasting, where we sample Sour Papaya rosin from T.Squisher. As always, we wrap up with The High Note, reflecting on the current state of cannabis, our mental states, and everything in between.Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Summons and Compliant: Zaza -  https://www.documentcloud.org/documents/25292620-mcro_27-cv-24-17066_summons-and-complaint_2024-11-12_20241114083900?utm_source=newsletter&utm_medium=email&utm_content=Zaza%20Lake%20Street&utm_campaign=NuggetsMN Roots - https://mnrootswholesale.com/T.Squisher - https://www.instagram.com/t.squisher/Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comSupport the show

Comment, question, or idea for the podcast? Send us a Text Message! In this episode, Marcus, John, and Tanner explore the evolving landscape of cannabis policy in Minnesota and across the U.S. as recent elections bring new challenges and opportunities. With Minnesota's now-divided Legislature, cannabis reform faces added hurdles. We'll discuss how this shift could slow progress on tax adjustments, licensing expansions, and social equity provisions, calling for more bipartisan negotiation than ever.On the national stage, cannabis policy has seen both advances and setbacks. From Florida to South Dakota, adult-use legalization efforts stalled, while Nebraska made strides by expanding access to medical cannabis. These mixed results reflect the diverse and complex views on cannabis across the country, especially in shifting political tides.But it's not all doom and gloom! Join us for Tanner's Terp Tasting as we sample Strawberry Cotton Candy rosin from Minnesota's own Ope Solventless. And, as always, we wrap up with a High Note, sharing insights and reflections from Jordan, John, Marcus, and Tanner during this eventful and not-at-all-stressful week.Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Dr. Dab's Minnesota Star Tribune Article: https://www.startribune.com/dabney-the-impact-of-ballot-outcomes-on-minnesotas-cannabis-market-and-regulatory-landscape/601177304Ope! Solventless - https://www.instagram.com/ope_solventless/Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comCenter for Energy and Environment - https://www.mncee.org/growLEDSupport the show

Comment, question, or idea for the podcast? Send us a Text Message! As election day wraps up, all ballots for 2024 are officially in. Join hosts Tanner and John as they dive into Minnesota's cannabis landscape and discuss the potential impact of recent election results on cannabis legalization locally and beyond. They cover highlights from the Minneapolis City Council's new zoning ordinance for cannabis businesses, refined in chambers, and share updates on the DEA's postponed rescheduling hearing, now pushed to 2025. Plus, they sample King Bee Cannabis' honey-infused gummies and give their honest take.In the second segment, Tanner sits down with cannabis industry veteran Brandon Padget from Union Bank and Trust. They discuss the unique challenges and opportunities in cannabis banking, Union Bank's commitment to the industry, and Brandon's tips for new entrepreneurs.Finally, they wrap up on a high note with candid thoughts from Tanner, John, and Jordan—cannabis-related or otherwise.Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Where to Vote in Minnesota: https://pollfinder.sos.state.mn.us/Union Bank and Trust - https://www.ubtmn.com/ (or bpadget@ubtmn.com)King Bee Cannabis - https://www.kingbeecannabis.com/Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comSupport the show

Comment, question, or idea for the podcast? Send us a Text Message! Join Tanner and Steve for Episode 7 of Northern Lights, where they tackle the latest in cannabis news, culture, and industry developments. Recorded at the Dabbler Depot Studio, this episode highlights the evolving landscape of legal cannabis in Minnesota, including a deep dive into pricing across various dispensaries and new legislative measures like Oregon's Measure 119, which paves the way for cannabis worker unionization.Later, the hosts sit down with Elizabeth Sage, a cannabis brand owner, to discuss her journey from northern Minnesota to California and how those experiences shape her approach in the legal market. Elizabeth shares her insights on shifting consumer trends, the rise of beverages and edibles, and her advice for aspiring cannabis entrepreneurs.Then, the crew tries Moonlight's gummies and their new Moonshot beverage. Of course, it wouldn't be Northern Lights without the “High Note” segment—Tanner, Steve, and Jordan unwind with some light-hearted musings to wrap up the show.Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Where to Vote in Minnesota: https://pollfinder.sos.state.mn.us/Elizabeth Sage - https://www.elizabethsageadvice.com/Thank You to Our Sponsors!North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comSupport the show

Comment, question, or idea for the podcast? Send us a Text Message! Join Marcus and Tanner as they dive into the latest cannabis news in Minnesota. From the OCM's internal turmoil to deficiency notices and the rise of microbusinesses, there's a lot unfolding in the North Star State.Beyond cannabis, the Psychedelic Medicine Taskforce has recommended that Minnesota decriminalize psilocybin mushrooms, while Massachusetts is voting on adult-use legalization. And did we mention? Vice President Kamala Harris is calling for nationwide legalization.Next, Tanner chats with Jason Tarasek of Vicente LLP, a leading national cannabis law firm. Learn about Jason's background as an activist with the Marijuana Policy Project and the founding of Minnesotans for Responsible Marijuana Regulation. They'll also explore the current state of cannabis policy in Wisconsin and speculate on what's ahead for South Dakota, North Dakota, and Nebraska.Finally, it's time for the High Note with Tanner's Terp Reviews, Marcus's T-Break updates, and Jordan's Golden Bachelorette binge! All this and more on another exciting episode of Northern Lights!Filmed and Recorded at the Dabbler Depot Studio in St. PaulLinks from the Show:Jason Tarasek - https://vicentellp.com/people/jason-tarasek/ (or 612-961-8112)Thank You to Our Sponsors! North Star Law Group - https://northstarlaw.com/cannabis/Natural Harvest - http://minnesotacannabisseeds.com (Use code “NL10” for 10% off your order!)Union Bank and Trust - https://www.ubtmn.comSupport the show

Welcome to CNBC-TV18's Marketbuzz Podcast. Here are top developments from around the world ahead of the trading session of October 22 -A rebound from lows for the Nifty 50 was short-lived on Monday as despite the best efforts from HDFC Bank and Reliance Industries, the index ended in the red, without any follow-up buying. For the 93 points contributed by the Nifty heavyweights to the upside, there was a team of Kotak Mahindra Bank, Infosys, IndusInd Bank, ICICI Bank and Tata Consumer Products to offset those gains. -Today, shares of Bajaj Housing Finance, 360 One WAM, City Union Bank, HFCL, Jana Small Finance Bank, Mahindra Logistics, Union Bank of India are some of the broader market names that will react to results. -Earnings: Bajaj Finance, Adani Energy Solutions, Adani Green, Amber Enterprises, Can Fin Homes, Chennai Petro, ICICI Prudential, Indus Towers, IIFL Securities, M&M financial, ICICI Securities, Persistent Systems, Coforge, Shoppers Stop, SRF, Varun Beverages, Zensar Technologies, Olectra Greentech, Zomato -GIFT Nifty was trading flat this morning vs Nifty Futures' Monday's close, indicating a muted-to-positive start for Indian market -Other stocks to track: Tata Motors, RVNL -Hyundai Motor India IPO lists today. Its grey market premium has declined to 2%, with shares now trading at a premium of Rs 48 as against the issue price of Rs 1,960.  The IPO of Hyundai Motor India, the Indian arm of South Korean automaker Hyundai, got subscribed 2.37 times on the third day of the bidding last week, helped by institutional buyers. This is the largest IPO in the country, surpassing LIC's initial share sale of Rs 21,000 crore. -Asian equities declined for a second day as Wall Street stocks took a breather after notching their longest weekly rally this year. Bonds tumbled on cooling expectations of Federal Reserve rate cuts. Shares in Australia, Japan, and South Korea all fell, while futures for benchmarks in Hong Kong pointed to losses. That's after equities in the US dropped from nearly overbought levels, following a relentless advance to all-time highs. -Overnight in the US, the S&P 500 fell 0.2% with all of its major groups but technology pushing lower. The Dow Jones Industrial Average slid 0.8%. Nvidia Corp. hit a record high, with the Nasdaq 100 up 0.2% -Oil prices fell this morning, paring the previous day's nearly 2% rise as the top U.S. diplomat renewed efforts to push for a ceasefire in the Middle East, and as slow demand in China, the world's top oil importer, continued to weigh on the market. Brent crude futures for December delivery were down 26 cents, or 0.3%, at $74.03 a barrel. Tune in to Marketbuzz Podcast for more cues

Atlantic Union Bank is hosting a non-perishable food drive at all of its branches, beginning Oct. 15, to help stock local food pantries and provide meals for families in need this holiday season. The drive will continue through Nov. 15. Donations will be accepted at the branches during normal business hours. “Food insecurity affects millions of American families, and many of those impacted aren't a faraway statistic. They're right here in our communities,” said Nathalia Artus, head of Community Impact at Atlantic Union Bank. “We're proud to do our part by coordinating this food drive and rallying our communities to...Article LinkSupport the show

After months of dithering, the Bank of England has finally cut the base rate to 5 per cent, the first time the central bank has voted to cut the base rate since 2020. On seven consecutive occasions the central bank voted to hold rates at 5.25 per cent between August 2023 and June 2024, despite falling inflation. There had been 14 consecutive base rate hikes since December 2021. The bank's successive interest rate rises between December 2021 and August 2023 were bad news for borrowers but good news for savers. The average two-year fixed mortgage rate is now 5.78 per cent, according to Moneyfacts, and the average five-year fix is 5.39 per cent. Right now, the lowest five-year fix is 3.99 per cent and the lowest two-year fix is 4.42 per cent, but lenders have already started cutting rates, but beware for excessive arrangement fees.  Savers Rates Say goodbye to great savers deals, including Santander's 5.2 per cent special edition easy-access rate and NS&I's one-year bond paying 6.2 per cent, which launched in September 2023. One of the best one-year fixed-rate account on the market now pays 5.4 per cent, down from a high of 6.2 per cent in October 2023. Savers should note that 1,638 savings accounts still beat inflation which is now at the Bank of England's target of 2 per cent, according to the Mail Online. This means the value of your money is growing in real terms against inflation. NS&I revealed it will offer a new one-year Guaranteed Growth Bond paying 5.15 per cent or a Guaranteed Income Bond at 5.03 per cent. The offer is exclusive to existing 6.2 per cent bond holders and will be available when their current one matures, starting from the end of next month. A saver putting £10,000 in Union Bank of India's one-year fix will earn a guaranteed £554 interest over one year. It comes with full protection under the Financial Services Compensation Scheme up to £85,000 per person. Are Buy-to-Let property deals still worth it? How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM A Lifetime of taxes Income tax, VAT, Council Tax, Car Tax, Insurance and Travel Tax, Green Energy Taxes, BBC Licence Tax, Stamp Duty, Capital Gains Tax, Section 24, Business Taxes and the final kicker; Inheritance Tax for your dependents! You can legally reduce and mitigate your taxes and inheritance tax for your dependents. Wills and Trusts New research from Canada Life reveals that over half of UK adults (51%)1 have not written a will, nor are they currently in the process of writing one. This includes 13% of people who state they have no intention to write a will in the future. Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24, Wills and Trusts. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #interestratecut #bankofengland #mortgagerates 

Welcome back to CNBC-TV18's Marketbuzz Podcast, here are all the important updates ahead of the trading session of June 21 -GIFT Nifty was trading with a premium of seven points this morning from Nifty Futures' Thursday close, indicating a muted start for the Indian market. -Global cues continue to remain stable. Asian stocks crept higher this morning after US shares hit an intraday record overnight. The yen was in focus following a six-day slump which ratcheted up the risk of intervention. Equity benchmarks ticked higher in Japan and Australia, while Korean shares fell. A 1% drop in the Golden Dragon index of US-listed Chinese companies weighed on sentiment. -Overnight, the S&P 500 briefly topped 5,500 before losing traction, while the high-flying tech group powering the bull run came under pressure. The Nasdaq 100 slipped after a seven-day advance with Nvidia Corp. and Apple Inc. leading losses in megacaps. -Back home, Nifty 50 seems to be consolidating around record highs though it lacks directional cues. This trend may continue till the end of the month, post which companies start reporting their business updates for the quarter followed by their quarterly results. -For today, the market only has global cues to react to and there are plenty of them. The initial jobless claims in the US, the Bank of England interest rate decision, the US crude oil inventory data and of course, how Wall Street behaved overnight. -IT stocks will be in focus post Accenture's earnings. Accenture says discretionary spending is constrained, particularly in smaller projects. Brokerage firm Morgan Stanley is of the view that Accenture results and commentary pointed to a few positive data points such as strategy and consulting returning to growth and a pickup in smaller deals. -Stocks to watch: IT stocks, YES Bank, Aster DM, Amara Raja, Union Bank of India, ONGC, GIC Housing, Jindal Stainless Tune in to the Marketbuzz Podcast for more cues

Host: Tracy Shuchart Guests: Tony Greer and Kevin Smith Tony Greer Tony began his career in the treasury department of Sumitomo Bank then moved on to join Union Bank of Switzerland as an FX and commodities trader. He returned to New York to join J. Aron & Company, the privately held commodity trading arm of Goldman Sachs. Where he managed risk for the Goldman Sachs Commodities Index, in precious and base metals trading, and in futures and options trading on the New York Mercantile ExchangeHe has worked for prop firms and the NYSE trading floor. In August of of 2016 Tony launched TG Macro to create an independent research firm where he could combine 25 years in trading and 15 years writing a daily newsletter into one analytical platform. Tony provides fundamental, technical, and behavioral analysis of global markets to a group of institutional clients and a personal subscriber base.Kevin Smith Kevin is the Founder and CIO of Crescat Capital. He has been managing investment portfolios since 1992, a career spanning multiple business cycles. Kevin has been the lead Portfolio Manager of Crescat's five investment strategies since their respective inceptions. He is the creator of Crescat's firmwide global macro investment process and systematic equity valuation model. Prior to founding Crescat, he worked as a Wealth Advisor with Kidder Peabody. He earned an MBA from the University of Chicago Booth School of Business with a specialization in Finance and a concentration in Statistics. He holds the Chartered Financial Analyst designation.Disclaimer: This material is presented solely for informational and entertainment purposes and is not to be construed as a recommendation, solicitation, or an offer to buy or sell / long or short any securities, commodities, or any related financial instruments. Please contact a licensed professional before making any investment or trading decisions

Tony Greer, a Long Island native, ventured into Wall Street trading inspired by his father. With a background in business management from Cornell University, he honed his skills at Sumitomo Bank, UUBS, and Goldman Sachs. He and his team meticulously diagrammed every aspect of the markets, from liquidity to potential swings, which allowed him to exploit edges in his trading playbooks. Running multiple commodity play-books, including gold and platinum, was like piloting the Millennium Falcon—quoting prices to global banks and witnessing monumental market moves. He eventually ventured out on his own to day trade. From tech stock investments to day trading strategies, he emphasizes pattern recognition and trend analysis. Tony shares insights on risk management, recommended readings, and the importance of adaptability in the ever-changing market landscape. About Tony Greer Founder of TG Macro - Merging 25 years of trading expertise with 15 years of newsletter writing, providing fundamental, technical, and behavioral analyses. With experience at Sumitomo Bank, Union Bank of Switzerland, and Goldman Sachs, Tony is a seasoned professional.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Ginger Zumaeta is the Founder and CEO of Motive3, a brand positioning, communications, and storytelling firm helping f advising businesses on effectively positioning and communicating big ideas. With over 20 years of experience in marketing and brand design, she is a three-time Emmy Award-winning writer and producer recognized for her innovative approach to marketing and storytelling.  Starting her career in television and rising to Vice President at NBC, Ginger transitioned into entrepreneurship, crafting effective strategies for startups to Fortune 500 companies. She has worked with renowned brands such as Coca-Cola, Verizon, Union Bank, and Infinity Insurance, and her insights have appeared in Business Insider, TheNextWeb, Better Marketing, Storius, and Marketing Profs. In this episode… Businesses often face the challenge of crafting compelling stories that attract clients and customers. Without a clear and strategic approach, companies struggle to differentiate themselves in a crowded market. How can brands develop influential positioning and messaging strategies that resonate with the target audience and drive engagement? Ginger Zumaeta shares her actionable insights on overcoming this challenge. She emphasizes the importance of understanding the company's story and building a solid messaging framework. Ginger also discusses her journey from television to entrepreneurship, highlighting the value of perseverance and adaptability. She provides practical advice on restructuring business models, such as transitioning from a partnership to a solo consultancy and focusing on core strengths like messaging strategy to provide improved client service. Tune in to this episode of the Smart Business Revolution Podcast as John Corcoran interviews Ginger Zumaeta, the Founder and CEO of Motive3, about her experiences developing effective positioning and branding strategies. They discuss Ginger's entrepreneurial journey, her rise from receptionist to VP at NBC, and the value of strategic messaging in business. They also delve into the impact of joining the Entrepreneurs' Organization and consulting for major brands like Kaiser Permanente.

Explore the world of coaching insights and wisdom with Coach Sean Brawley, a trailblazer in unlocking human potential and maximizing performance. In this episode, we chat about coaching philosophy, how to win, and the transformative power of the Inner Game. From dissecting the Hero's Journey to uncovering the essence of relaxed focus, Sean shares invaluable lessons drawn from his extensive experience in coaching top athletes and business leaders alike. Join us as we navigate through key moments touching on the fix-it culture, and the profound impact and sustainability from the famous book, The Inner Game of Tennis. Get ready to embark on a journey of learning, growth, and mastery in the world of coaching. Check out the key moments below; 2.04: Are you a Star Wars or Star Trek fan? Joseph Campbell's Hero's Journey 3.17: Is it possible to win forever and do you have a coaching philosophy? 7.20: We live in a 'fix it' culture! 8.50: "Do not try your best!" "This is not a big game. This is not a big rival." You are in danger of pumping yourself up too much! Instead, trust your training and play normal. 12.55: Polyvagal theory is the science of safety and trauma, created by Dr. Stephen Porges. For more information on the POLYVAGAL Theory go to www.polyvagal.org 15.06: Relaxed Focus is the #1 skill of the inner game. 19.26: About the book: The Inner Game of Tennis (first written in 1974) 22.15: The difference between goal setting and having an intention. 24.30: Pay attention to what works and what doesn't work with your students (being mentored by Timothy Gallwey). 26.53: Coach EM's favorite parts of the book: 1) 'The opponent in one's own head is more formidable than the one on the other side of the net.' 2) If a coach can help a player to remove or reduce the internal obstacles to their performance, an unexpected natural ability will flow forth without the need for much technical input from the coach.' 30.12: What is the ONE thing that you can focus on? The Tennis Ball! 35.20: It takes 15-20 minutes to have beginner tennis players 'playing' the game. One of our primary roles is to bring out their natural ability. 41.28: Definition of coaching - helping people improve their learning and performance in an enjoyable and meaningful way. 41.47: Is there a difference between sports coaching and business coaching? 43.43: What makes a great coach? 1) Masterful Coaching 2) Deliberate Practice 3) Commitment/grit/perseverance 1) Results (consistent results) 2) Caring (Belonging and feeling safe) 3) Presence (Notice what is really going on) The Coaching Podcast is sponsored by The Sampson Agency - a talent entertainment and sports management company owned and operated by Tina Samara. Visit: www.thesampsonagency.com or email: tina@transitioncoach4athletes.com To learn more about becoming a workplace coach or advancing your coaching skills, visit: www.opendoorcoachingusa.com or email: info@emmadoyle.com.au About Sean Brawley Sean Brawley has dedicated the past 25 years to helping people from all walks of life unlock their potential and elevate their performance. In the process, he has become one of the world's foremost experts on accelerated learning, innovative coaching, and sustainable high performance in sports and business. Sean has created leadership development and coaching skills training programs for leaders and provided executive coaching services to senior executives across diverse industries. His coaching engagements include working with CEO's, senior vice presidents, COO's, international sales leaders, and division presidents in entertainment, technology, healthcare, professional service firms, and finance companies. His corporate clients have included GE, Dave & Buster's, ITT, Union Bank, Creative Artists Agency, House of Blues, ITT, and Seagate Technology, among others. As a former Top 150 world-ranked tennis professional who competed at the highest level of the game including Wimbledon and the U.S. Open, Sean learned first-hand what it takes to achieve a high level of mastery and perform well under pressure. Sean has worked as a mental performance coach and player development advisor to some of the best-known teams in sports including the New York Yankees, San Diego Padres, Seattle Mariners, and the U.S. Tennis Association. From 2000-2009, Sean served as Coach Advisor to USC Football Head Coach Pete Carroll helping him conceptualize and clarify his highly successful “WinForever” coaching philosophy that would lead to 2 National Championships, 3 Heisman Trophies, and to his recent Super Bowl Championship as Head Coach of the Seattle Seahawks. For the past 20 years, Sean has worked closely with Tim Gallwey, the author of The Inner Game series of books including the classic, The Inner Game of Tennis. Sean is the first certified Inner Game coach in the world and is listed as a key contributor to the Inner Game of Tennis and Inner Game of Workbooks. In 2012, Sean co-founded the Inner Game School of Coaching and served as primary curriculum designer and lead trainer. Please write Sean at sean@seanbrawley.com for more information on The Inner Game.

Atlantic Union Bank officials partnered with JA Finance Park at Libbie Mill Library in Henrico April 9 to teach high school students how to create and stick to a budget. The event, which was open to Surry County High School students enrolled in business classes, allowed participants to experience what it takes to manage their money and set themselves up for financial success through a hands-on budgeting simulation. "No matter what phase of life you're in, financial education is so important," said Atlantic Union Bank Senior Vice President and Director of Financial Risk Management and Risk Operations Development and Reinvestment...Article LinkSupport the show

Tom welcomes back Tony Greer from the Morning Navigator to delve into the various market trends and investment strategies. Greer, who is bullish on gold, S&P, industrial miners, and uranium, while bearish on bonds, shares his perspective on the current economic climate. He references the volatile year of 1994, when the Federal Reserve raised interest rates to combat inflation, and believes that if similar circumstances arise again, the Fed will respond with rate cuts, leading to a bullish stock market environment. The commodity sector, particularly natural resources and housing, has seen a significant shift from tech markets, which remain mixed or flat. Greer attributes this trend to potential geopolitical tensions and increasing ISM manufacturing figures, possibly pointing towards the early stages of a World War III scenario. Greer discusses his bullish stance on gold due to central bank buying and physical demand. While some may view the recent gold rally as a head fake, he remains committed to the precious metal. He believes that declining total gold ETF holdings could indicate less speculation and increased interest in physical gold ownership. The speakers also touch upon the potential implications of increasing national debt on the US dollar and the possibility that fiat currencies, including the US dollar, will decline against gold. They ponder if the current trends in oil, copper, and other commodities represent a cyclical shift from underinvestment to materials necessary for economic growth. Throughout their discussion, they emphasize the importance of staying informed about market changes and adjusting investment strategies accordingly. Greer suggests repositioning portfolios towards natural resources and industrial sectors, despite slower growth compared to tech stocks, as these markets may have more significant impacts with smaller amounts of capital. The conversation highlights potential long-term consequences of current economic trends, including national debt levels and the role of gold as a safe-haven asset. Timestamp References:0:00 - Introduction0:40 - Bullish Stocks & Gold9:23 - Fed Games & Inflation15:12 - Gold Rally & Disorder17:15 - Gold Vs. Silver18:12 - Metals & Frustration20:30 - Capital Rotation23:17 - Gold ETF Declines24:42 - Metal Investing26:20 - The WHO Quagmire28:44 - Confidence in Media30:18 - Exponential Debt31:49 - Oil & Copper Cycles33:52 - Peak Frustration36:40 - Uranium Fundamentals39:13 - Time to Pay Attention42:30 - Wrap Up Talking Points From This Episode Tony is bullish on both gold, miners and the S&P 500. Declining Gold ETF Holdings could signal a shift from paper to physical. Tony discusses the importance of paying careful attention to your portfolio this year. Guest Links:Substack: https://tgmacro.substack.com/Twitter: https://twitter.com/tgmacroWebsite: https://tgmacro.com/E-Mail: tony@tgmacro.com After graduating from Cornell University in 1990 Tony followed in his father's footsteps to a Wall Street trading operation. He quickly learned his career path would be vastly different. He says, "I would not be sitting in the same seat on the same trading desk managing the same risk for the same firm for over 30 years." We have clearly entered a new era in financial markets. He began in the treasury department of Sumitomo Bank on the 107th floor of the World Trade Center downtown Manhattan. Tony was an FX trading assistant while the Quantum Fund was breaking the Bank of England in 1992. In 1993 he joined Union Bank of Switzerland as an FX and commodities trader, spending half a year as a Vice President in their Zurich treasury department. Then returned to New York City early in 1995 to join J. Aron & Company, the privately held commodity trading arm of Goldman Sachs. He managed risk for the Goldman Sachs Commodities Index, in precious and base metals trading, and futures and options trading on the New York Mercantile Exchange.

015. Realty Mogul | Jilliene Hellman is CEO and Co-Founder of RealtyMogul. She's responsible for the company's strategic direction and operations. Jilliene, who sits on RealtyMogul.com's board, has underwritten over $5 billion of real estate and was previously a Vice President at Union Bank, where she spent time in Wealth Management, Finance and Risk Management. Jilliene is a Certified Wealth Strategist, holds Series 7, Series 63, and Series 24 licenses and has a degree in Business from Georgetown University. *** For Show Notes, Key Points, Contact Info, & Resources Mentioned on this episode with Jilliene Helman, visit here. ***   Ready to part ways with your land in North Carolina? Visit our Sell My Land North Carolina webpage and discover a straightforward way to say goodbye to your property!

In this episode of Market Minutes, Lovisha Darad talks about the key factors that will shape market movements on February 27. Some of the top stocks to watch in trade are Paytm, Union Bank of India, Wipro, Canara, among many others. Apart from that, 2 new IPOs will open for subscription – Platinum Industries and Exicom Telesystems. Also, catch Sugandha Sachdeva of Wealthwave Insights on Voice of the Day segment. Market Minutes is a morning podcast that puts the spotlight on hot stocks, key data points, and developing trends.

Welcome to the CU 2.0 Podcast Greatest Hits show.There are over 300 shows in the library and yet a reality in the podcast business is that few of us ever even look at more than maybe the half dozen most recent shows.That's why we are going to resurface some of the best and most popular shows as Greatest Hits,The first Greatest Hit - originally #277 - is with Michael Bell, the attorney who has been key in credit union - bank mergers. You probably are much more familiar with credit union - credit union mergers.But Bell believes - he explains in the show - that there are excellent reasons for a credit union to look at banks as merger partners. And know that many community banks - possibly most - are keen to get bought.This show is what you need to know.And the reason we are posting this show to kick off our Greatest Hits is this headline from a recent American Banker: “Midwest deal marks fifth credit union - bank combination of 2024.”  The date on that story: February 7, 2024. That's a merger a week.Will the pace continue?Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com And like this podcast on whatever service you use to stream it. That matters. Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take

BIO: Tony began a career in equity sales in varying capacities, including running sales and trading at Bank Hapoalim for three years and a team of sales traders at Dahlman Rose for five years. In November 2016, Tony launched the Morning Navigator, a macro trading newsletter distributed to over 800 professionals worldwide.STORY: Tony invested six figures into a small ophthalmic company his friend told him about. He didn't know much about the company besides what his friend told him. He lost investment when the share price collapsed.LEARNING: Understand the nuts and bolts of the business you want to invest in. Be patient and willing to get rich slowly. The stock markets are for growing wealth, not creating it. Time is the only surefire thing on your side. “Live to trade another day.”Anthony Greer Guest profileAfter graduating from Cornell University in 1990, Anthony Greer began his trading career in the foreign exchange market for Sumitomo Bank and Union Bank of Switzerland, where he began running large bank books. He joined the J. Aron division of Goldman Sachs in 1994, where he learned the rigor of risk management in trading gold and the Goldman Sachs Commodities Index. Tony left the commodity desk at Goldman Sachs to launch his equity trading operation in 2000, surfing the dot.com crash for two years. Tony began a career in equity sales in varying capacities, including running sales and trading at Bank Hapoalim for three years and a team of sales traders at Dahlman Rose for five years. In November 2016, Tony launched the Morning Navigator, a macro trading newsletter currently distributed to over 800 professionals worldwide.Worst investment everWhen Tony was at Goldman Sachs in the '90s, he managed to get into the Dotcom bubble. His love for music led him to discover Amazon. Tony would order records he was dying to have on Amazon, which would be delivered to his door in a few days. This business model fascinated Tony so much that he invested in tech stocks.During that period, Tony decided to expand his portfolio. A friend of his put a name in front of him. The friend insisted that he knew a lot about the company and that it would be a nationwide chain where everybody went to check their eyes and buy glasses. He said that PE funds were investing in it. Tony amassed a massive position in this company, whose shares sold at 20 cents a share. Tony had six figures worth of this little ophthalmic company that he didn't know much about. Suddenly, the bottom dropped out, and the PE companies sold their shares, causing the share price to collapse even further.Lessons learnedAlways consider the total dollar value of money invested, no matter what percentage of your portfolio it is.First, understand the nuts and bolts of the business you want to invest in.Starting early is very valuable. Be patient and willing to get rich slowly.Andrew's takeawaysPosition sizing matters most, no matter how much you want to make your investment a big bet.The stock markets are for growing wealth, not creating it.Time is the only surefire thing on your side.Actionable adviceLive to trade another day by trading carefully without greed.Tony's recommendationsTony recommends subscribing to his Morning Navigator newsletter and reading

A special podcast on Pakistan's first Domestic Payment Scheme, Paypak. On this episode we discuss, Payment Gateways, Transaction Charges, Banks, Financial Inclusion, Digital Payments, State Bank, Buying Pakistani and more. Mr. Umer Ansari is the Head of Business Development at 1LINK (Pvt.) Ltd. He is a seasoned banker having spent almost two decades in the sector. He has held several management positions in major national and international banks – Bank AL Habib Limited, United Bank Limited, Union Bank and Citibank, in disciplines of sales, marketing, product and retail. He holds an MBA from Pakistan Institute of Management. Ms. Shaista Abdullah is a senior experienced professional with expertise across multidisciplinary skills like, Digital Transformation, Digital Strategy, Customer Experience and Loyalty, Business Process Reengineering, Customer Value Management, Customer Retentions and Loyalty and Omni Channel Strategy development & execution. International Consulting experience & industry expertise in Telecommunications, Banking & Fintech. Worked with Deloitte Consulting, Vodacom South Africa (Vodafone group), Telkom South Africa, PTCL Pakistan & Khushhali Microfinance Bank as Chief Digital Officer & led the Digi-Agri finance transformation Program in partnership with IFC. Worked with Munsalik Digital (Fintech start up in the NBMFC sector) as Head of Strategy & Communications. Currently serving as Head of Digital Payment Products and PMO at 1LINK. The Pakistan Experience is an independently produced podcast looking to tell stories about Pakistan through conversations. Please consider supporting us on Patreon: https://www.patreon.com/thepakistanexperience To support the channel: Jazzcash/Easypaisa - 0325 -2982912 Patreon.com/thepakistanexperience And Please stay in touch: https://twitter.com/ThePakistanExp1 https://www.facebook.com/thepakistanexperience https://instagram.com/thepakistanexpeperience The podcast is hosted by comedian and writer, Shehzad Ghias Shaikh. Shehzad is a Fulbright scholar with a Masters in Theatre from Brooklyn College. He is also one of the foremost Stand-up comedians in Pakistan and frequently writes for numerous publications. Instagram.com/shehzadghiasshaikh Facebook.com/Shehzadghias/ Twitter.com/shehzad89 Chapters 0:00 Introduction 2:20 Why Paypak 5:30 Transaction charges on digital payments 10:46 Paypak cards in the market 16:30 Need for a Domestic Payment Scheme 20:20 Why opt for Paypak 25:10 The financial model of Paypak and the 1Link process 33:30 Data protection, State Bank and Policy 41:45 Financial Inclusion for the Unbanked 47:30 True Pakistani

In this episode of Market Minutes, Zoya Springwala talks about the key factors to watch out for today before the domestic market opens. Traders will take cues from the three Nifty 50 earnings results announced yesterday: Reliance Industries, Hindustan Unilever and Ultratech Cement. Also, find out why markets are trading on a Saturday. The banking sector will also be in focus as banking heavyweights ICICI Bank and Kotak Mahindra Bank, along with Union Bank of India, IDBI Bank, IDFC First Bank are to announce their earnings results on January 20. Also, catch Andrew Holland, Avendus Capital on the Voice of the Day segment. Market Minutes is a morning podcast that puts the spotlight on hot stocks, key data points, and developing trends.

In this episode we take a look at the activity around regulation with regards to online scams in the US, UK and Australia, following comprehensive analysis done by Ken over the last year. The overall outlook is pretty positive. We see a lot of good attention, especially in the UK, and we are optimistic about the future of protecting consumers. However, there is still a lot more to be done.To learn more about Ken and his work, follow him on LinkedIn: https://www.linkedin.com/in/ken-palla-09b585/This podcast is hosted by Ayelet Biger-Levin who spent the last 15 years building technology to help financial institutions authenticate their customers and identify fraud. She believes that when it comes to scams, the story starts well before the transaction. She has created this podcast to talk about the human side of scams, and to learn from people who have decided to dedicate their lives to speaking up on behalf of scam victims and who take action to solve this problem. Be sure to follow her on LinkedIn and reach out to learn about her additional activities in this space. https://www.linkedin.com/in/ayelet-biger-levin/ ScamRanger: https://scamranger.ai/

This year there will be over 100 credit union mergers with other credit unions.But there also will be mergers of credit unions with community banks and now is the time to start learning about what's involved and what the payoffs are.One big reason: probably half of the nation's community banks are available to buy. Another reason: for many reasons, many credit unions are hanging back, reluctant to take this plunge.Part of the reason for hesitation is simple lack of information and on the show today is Michael Bell, Co-Chair of the Financial Institutions Practice Group at the law firm Honigman, the man who did the first credit union - bank merger in 2011 and who estimates that he has been involved in probably 90% of all credit union - bank mergers.Bell knows what works, he knows why many of these deals never reach the finish line, and he also knows the payoffs for the institutions that in fact do close a deal.The important fact about credit union - bank mergers: ultimately they are about money. That's not so for many credit union - credit union mergers.More credit unions with an eye on staying competitive will be eyeing doing deals with banks, predicts Bell.This is a provocative show.Listen up.For more info on mergers, listen to our trio of podcasts with Peter Duffy - #274, a quick news flash in 2022, and episode 119.  Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Welcome to another episode of Making Billions, today I have my dear friend Tony Greer.Tony is a former career trader from Sumitomo Bank, Union Bank of Switzerland, Goldman Sachs, and more. Currently, he's the Founder of TG Macro and the editor of a phenomenal market publication called “The Morning Navigator”What this means is that Tony understands trading, markets, and economic moves that help you and I in our pursuit of Making Billions.WANT TO LEARN HOW THE BEST INVESTORS MAKE MONEY? SIGNUP FOR OUR NEWSLETTER:https://mailchi.mp/d41cfc90bd9f/subscribe-to-newsletterSubscribe on Youtube:https://www.youtube.com/channel/UCTOe79EXLDsROQ0z3YLnu1QQConnect with Ryan Miller:Linkedin: https://www.linkedin.com/in/rcmiller1/Instagram: https://www.instagram.com/makingbillionspodcast/Twitter: https://twitter.com/_MakingBillonsWebsite: pentiumcapitalpartners.com[THE GUEST]:  Tony is a former career trader from Sumitomo Bank, Union Bank of Switzerland, Goldman Sachs, and more. Currently, he's the Founder of TG Macro and the editor of a phenomenal market publication called “The Morning Navigator”[THE HOST]: Ryan is a Venture Capital & Angel investor in technology and energy. He achieved market-beating placement growth in his first 5 years in the industry.Support the showDISCLAIMER: The information in every podcast episode “episode” is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening to our episodes, you understand that no information contained in the episodes should be construed as legal and or financial advice from the individual author, hosts, or guests, nor is it intended to be a substitute for legal, financial, or tax counsel on any subject matter. No listener of the episodes should act or refrain from acting on the basis of any information included in, or accessible through, the episodes without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer, finance, tax and other licensed in the recipient's state, country or other appropriate licensing jurisdiction. No part of the show, its guests, host, content, or otherwise should be considered as a solicitation for investment in any way. All views expressed in any way by guests are their own opinions and do not necessarily reflect the opinions of the show or its host(s).

Sree Kochugovindan, abrdn Senior Research Economist, breaks down the Bank of England's decision to keep rates unchanged. Greg Valliere, AGF Investments Chief US Policy Strategist, discusses the Israel-Hamas war and its political impact in Washington. Jonathan Pingle, UBS Chief US Economist, says a slowdown in the US labor market would lead to a slowing in inflation. Geetha Rananathan, Bloomberg Intelligence US Media Analyst, discusses Disney's plan to buy Comcast's stake in Hulu. Pierre Ferragu, New Street Research Head of Global Technology Infrastructure, previews Apple's earnings release.Get the Bloomberg Surveillance newsletter, delivered every weekday. Sign up now: https://www.bloomberg.com/account/newsletters/surveillance  Full transcript:This is the Bloomberg Surveillance Podcast. I'm Tom Keene, along with Jonathan Farrow and Lisa Abramowitz. Join us each day for insight from the best and economics, geopolitics, finance and investment. Subscribe to Bloomberg Surveillance on demand on Apple, Spotify and anywhere you get your podcasts, and always on Bloomberg dot Com, the Bloomberg Terminal and the Bloomberg Business App. What a joy to see her in London. Sree Kachigovin and joins us right now, senior research economists at Aberdeen three. I'm absolutely fascinated by how the US stands alone, how Jerome Powell yesterday stood alone with massive stimulus leading into massive real GDP. Does the United Kingdom, where Governor Bailey stands now, do they need stimulus to keep it going? I think stimulus would probably not be a good idea at this point. Really, what we want to tackle is inflation. Now. The Bank of England have a very challenging backdrop. Growth outlook is weakening, but we still have very elevated inflation pressures. Now inflation is past the peak, it has started to decelerate. However, energy costs are still quite elevated. The headline inflation is still very high. And also we have even though those multi price based effects will start to unwind over time, we still have very sticky core services and wage pressures in place. So stimulus right now would not be a good idea for the UK. Now it's not restrictive fiscal background at the moment, but further stimulus would actually not be helpful with the Here's a fun fact from the Bloomberg News story that Lucy White wrote for US. Ben Bernanke actually attended the Bank of England's meeting as an observer. It's part of his review into the UK central banks forecasting communications. And of course this comes as Bailey has faced some criticism that they didn't move quickly enough to respond to inflation. Sree, can you compare and contrast the efficacy of communication at the BAIE versus the FED. I think, as we mentioned earlier, there was a conversation about group think. There is a split within the within the Bank of England, and I think the communication has been quite clear from the various members. We've had the arguments for staying on hold, the arguments for perhaps another an additional hike, and all of those are quite consistent actually with the data that we're seeing. But it seems that on the whole we are witnessing switch towards a focus on growth and the weaker activity data and some greater faith in terms of inflation actually passed the peak and decelerating from here. So we're also seeing there. So we have a signal from the split in the vote, and we also have that signal well, very very clear in terms of rates are going to be on hold for a meaningful period of time, even if, as we expect, the economy enters a recession, rates are going to remain quite elevated. And that's quite a burden for small companies in particular who are much more sensitive to the rate cycle. They are facing a profit squeeze. There is a bit of an issue there in terms of future business investment and so there are a number of challenges there, particularly for the smaller, smaller firms. So that's something that the Bank of England are going to have to really be wary of. Yeah, credit availability for small firm is always an issue, whether it's stateside or across the pond street. When it comes to the stimulus versus austerity debate, that time was referencing how does the Bank of England's decision to keep rates on hold for a second straight meeting and warn about a possible recession, warn about the need to perhaps raise rates in the future of inflation reaccelerates. How does that restrain or limit the government's options when it comes to supporting the economy. I think the government is also very aware, and we have heard from Sunak p at the Prime Minister. We have heard that there is a focus on inflation even within the government. Yes, they do have an election coming up, but they're worried about stimulus too soon and too much stimulus too soon. So I think they're going to pair back on any measures that are going to fuel inflation. Further, I think that's also concerned from them, get every challenging decision for them, given that there is an election on the horizon. Are all the gains in the United Kingdom focused on London? I mean, I mean, is it like, you know, the dominance of Paris and France. Are all the economic gains which you have been tangible here have they been focused on the south of England? Well, there has been a big debate for a number of years with regards to the regional disparities, and that was something that for a few years there have been some focus on what are the policies that can help level up the economic outlook. However, it has been quite challenging in order to do that with the pandemic recovery from the pandemic. And I think the leveling up policies may be, you know, they're on the horizon in the future, but right now, really the focus is quite narrow. That regional disparity, unfortunately, is still very much there. Christrie, thank you so much. Cut your govid in with us with Aberdeen joining us now. On the other points in the Wars of Washington, Gregory Vellier, he's chief US Policy Strategistic AGF Investments. Greg I believe it is November, that's twelve months away from an election. Take the drama of October in our many wars and fold it into how things change twelve months before an election. How does your world change given the pending one year out election. Well, good morning time. So many unknowns. I'd say one big one is Benjamin Netanaihu. If you saw the extraordinary story in the New York Times on Monday talking about how Israel and Netanaihu were blindsided by Hamas they got totally caught off guard. There's going to be recriminations. I think that has to be looked at very carefully. There's the FED and there's this continuing fight in the House between fairly moderate Republicans and the right wing. That fight is about to resume within days, right, But you've got a right wing Speaker of the House. Now, shouldn't that restore some order in the House. One would think Scarlet wouldn't one, But I'm not quite sure about that. I think that even a handful four or five House Republicans could block this next spending bill. And there are Republicans in the House who don't want to spend money on Ukraine, as you guys know, and some lukewarm attitudes toward Israel. But the big fights still is a budget. We have a budget deadline in about two weeks and they're not close to being done. Yeah, and so we're watching that November seventeenth deadline very carefully. I want to get your take also on what the economy means for the presidential election tries. It might The White House has been selling Bidenomics, but it's not doing very well. When consumers are feeling pretty sour. What does the current FED policy mean for the economy in twenty twenty four. Well, I think there's maybe some relief among consumers that the FED didn't raise race. But I thought you and Tom a few minutes ago hit it perfectly talking about food prices. I mean, food prices are up. What did you guys say, nineteen percent cumulative? Yeah, over three years, over three years, But that leaves an awful lot of people, maybe not us, but leaves an awful lot of people discouraged that this is not improving. Yeah. What's important there, Scarlett, is the USDA with this is really good data from the US Department of Agriculture. They say that for the have nots of America, it's not third world, but thirty percent of their compensation is going to food, which means thirty percent of their conversation is not going to discretionary spending or anything else that usually supports the economy. Greg, I want to bring it back once again to FED policy in the economy in twenty twenty four because J. Powell's term expires as FED chaer in early twenty twenty six. So whoever wins the twenty four to four election, would get to pick the next FED chair. What does that mean to you? And I bring this up because if Donald Trump wins the nomination, yes he nominated Powell as fedchair, but he also nominated Judy Shelton as a FED governor. Yeah. I think if Biden wins, obviously he'll try to keep at Jerome Powell. If Trump wins, he will fire and get rid of Powell as quickly as possible, and that will I think cost some anxiety for the markets. You know, one other quick point I would make about what we could see in the next year or so that maybe is outside of the box. I go to piece this morning on Robert F. Kennedy Junior. There's a new poll out overnight from Quinnipiac showing him a twenty two percent that I was surprised. I think a lot of people were surprised to see that. And I do think that he will take away from Joe Biden, young people, independence, African Americans, environmentalists. Robert F. Kennedy Jr. Is not going to be the next president, but he may determine who will be. Craig Villie, thank you so much. With AGF investments, we can rip up the script with a gentleman that worked in the macroeconomic section at the FED. Jonathan Pingle joins the course with UBS, their chief US economists, John I'm sorry, I got to go here, and Julia Cornado XBMB Perry by Macro turns his way out in front of this. Are we completely misguessing the efficiency, the productivity, the technological advancement of America? Are we just flat out to pessimistic? Well, I mean it's hard to know what the expectations are, right there aren't that many people as in the weeds on productivity, you know, on the immigration rebound as Julia, and you know, give Julia a lot of props since we were at the board together a year long time ago. But I would say two things, and Sheer Powell touched on this yesterday. One is, you know, we have been seeing a pretty impressive rebound and labor supply and that's been both the combination of you know, a significant improvement and net international migration coming out of the pandemic. In addition to you know, some groups like prime age women punching out new all time highs and their labor force participation rates. And you know, we've certainly been writing about that, and Julia's done a good job as well on the productivity stuff. Though we do have to remember that productivity was incredibly weak as we went through the pandemic and immediately coming out, so we did have a fair amount of catch up to do. And when we look at sort of the longer run trends after today's data, just mathematically you are going to be a little bit above the longer run trends. So it is good news, but you're actually really still not that far from what we were seeing pre COVID. But I will say together, I think it's right. We're seeing nominal wage gains slow, and some of that is these supply side improvements and unit labor costs dropping. You know, we were forecasting a seven to ten drop. You know that is the result of the slowness we saw in average hourly earnings combined with basically five percent GDP growth in the third quarter. So that's a good supply side story. Tell me about course services. The chairman didn't talk about it much yesterday, but are we seeing a service sector disinflation to give confidence to an outright goods deflation? We are? I mean, we've had We've had some positive news on the core services over the last several months, but I would say we're sort of not out of the woods yet, right Like, you know, I think that's one of the reasons Chair Powell yesterday, you know, and Mike McKee did a great job with his you know, trying to pin the chair down on the objective versus subjective decision. But what we want to see is a little bit more slowing in the labor market in order to see more slowing in those components of inflation, because if we look at the ECI, it does look like wage gains are still a little too risk to be consistent with sustainable two percent inflation. So I do think the Chair and Mike was just saying this, they do need to get the labor market to slow here if they are going to achieve their mandate and restore price stability. All right, this is clearly a big, big week for labor market data. You had ADP employment change jolts and of course jobless claims this morning. Unit labor costs as well in productivity. We know that the UAW has come to agreements with the automakers, but if you are an union organizer and I'm thinking of the Actors Guild, for instance, that is still on strike. What is your takeaway from the flood of data that we've gotten on the labor market right now? Well, land market's still tight, right so you know, so you know, even I mean, and I don't really think you need to look much beyond the unemployment rate at three point eight percent to say, you know, the nation's at full employment and markets are tight, and you know you've got a point here where there might be some bargaining power for workers. The other interesting thing about a number of these strikes is there are a lot of non wage issues at stake. You know, you're talking about, you know, the use of AI for the actors, you're talking about, you know, the shift to electric vehicles amongst the UAW. And that's actually been sort of an interesting aspect where, you know, a lot of these labor negotiations it's not just about the wages, you know, it's really also about sort of these changing industry dynamics that they want to protect their workers from. So how does that show up in the data, How does that show up in the economy in what's measurable, Well, we should definitely see the impact of the UAW strike tomorrow. In tomorrow's data, you know, the BLS released their strike report. You know, between the strikes the Big Three and Mac Trucks, that should be about a thirty thousand job reduction in motor vehicle and parts assemblies employment. You'll see it in Table B and B one of the employment situation release. So we should definitely see that way on the employer report tomorrow, but that'll rebound in the subsequent in the subsequent report. And I think the bigger picture is that you have put in place for some of these contracts, you know, a return to things like you know, cost of living adjustments, et cetera. So this should generally mean for these workers somewhat firmer wage gains over the next few years than would have otherwise been the case. Jonathan Tingle, thank you for the brief, particularly there quickly on advancing productivity is with UBS. I love saying this the Union Bank of Switzerland. We're going to get complicated here and straighten this out. Hulu being taken out by Disney. Brian robertson Comcast unloading the Dogkeetha Ranganathen of Bloomberg Intelligence is truly encyclopedic on this near nine billion dollar that transaction. Getha, I'm lost here. Is Comcast happy today that they unloaded the stock or is this the deal of a lifetime for mister Eiger? So this is this is, as you just pointed out on this is a pretty complicated transaction. All that we got yesterday was that Disney is definitely buying out comcast thirty three percent stake. So Disney already owns two thirds of Hulu, so we know for certain that Comcast is offloading it who Disney is buying it? Now the biggest question here is going to be price. So we know the floor value was set at twenty seven billion. Disney actually came out yes, they're saying that they do expect to make that initial payment of you know, eight it's actually nine billion minus some capital calls, which which is why you get the eight point six billion. But really the point is going to be how much greater than twenty seven billion is the valuation going to be? And that is where all of the complexity is going to arise over the next few months. I mean, John Pharaoh is addicted to Hulu. He's just you know, he like binge watches Love Island USA and the rest of it. GITHA doesn't matter who watches this stuff in this transaction or is this just people distant from what we watch every day? I mean, Hulu has forty eight million subscribers some so it is a very very successful streaming service. You're absolutely right. It has a very deep catalog of classics. It has all of us Keith, You're not going to sell surveillances audience. The Love Island USA is a classic. Continue well, it has you know, it has a lot of the must watch shows, right you brought up the Bear Only Murders in the Building is show. It has a lot of shows that come up from broadcast TV, so it's a great catch up service. And it also has kind of this live Hulu Plus live option as well. So there are a lot of different flavors that it offers. But I think the biggest thing for Disney is really the ad component of it. If there is any streaming service out there that has got advertising right, it is Hulu. We know that Netflix is struggling with that right now, so is Disney Plus. So are a lot of the established services. Amazon is looking to bring an advertising service. Hulu is the one established brand already bringing in about three three and a half billion dollars in AD revenue. So that infrastructure is a gold mine and is super valuable to Disney and for that reason, Hulu is one of the few profitable streamers. Netflix of course another profitable streamer here. But what is it about the ad packaging that Hulu has figured out. As a consumer of Hulu, it's really frustrating to see the same Tom Brady hurts commercial over and over again. No, you're absolutely right, But at the same time, I mean, this is a company, you know, obviously they have They are the ones that have ads, that have had ads on now for the longest period of time. They've built all these different they've built very a very very robust AD stack, and they've also kind of made all these different you know, relationships with advertisers. Of course, you have the larger Disney brand as well at work there, but that is something where they've really been able to crack the code. I mean, Hulu is one service where you have majority of you know, the consumers on the on the ads supported option, which is what has made it such, you know, so successful in what it's set out to do. Disney says it has enough cash and credit to buy Hulu, whereas Comcasts will be using the proceeds to boost its accelerate its stock repurchase program. When this financial transaction is completed, does it move the needle at all for either Disney or Comcast stock. I think it definitely moves the needle for Disney because this removes a key overhang. Remember, there are so many strategic questions that are still kind of pending for Barb Biger, whether it's the future of ESPN, whether it's the sale of the ABC network, and so, you know, kind of just closing this deal with Hulu and then integrating it with Disney Plus, I think just removes a key overhang for the stock. Five years out, do they mate. Do you see Hulu combined with Disney Plus to really take on Netflix as a combined adult in kids' entity. Absolutely, I think that is what the plan is. I mean, at the end of the day, they are looking to get synergies across the board in their streaming product because Disney Plus is still losing money. It is still going to lose about two and a half three billion dollars this year. But I think when you combine this we're looking at savings of at least one one and a half billion dollars. I think it's definitely going to accelerate streaming crafitability for Disney. Synergy to me means rebundling, So you're going to have to pay some big, heftier price to get all these different channels or streamers into twenty. That's what Paul Sweeney would say as well. What I'm fascinated by is when we're all said and done with this. I mean, there's Hulu and there's Disney Plus, and they're going to merge and they're gonna take on Netflix. Keitha, do you see a true duopoly out there? Is that where streaming is heading? It definitely is heading there, Tom, There's no doubt about it. I mean Netflix is far ahead of the competition. They have almost two hundred and fifty million subscribers. We do see them getting to three hundred million over you know, maybe the next few years. But yes, this is kind of very much turning into you know, Netflix versus Disney versus most probably Amazon. So yeah, maybe a tryal Max HBO. Yeah, that's a tough one, you know, Hbo Max. You know, she's got to be a second tier service, second tier look at it. She's just like, Wow, you know what's so bad about that? And this goes, this goes with Discovery Plus and Max and all that is. You know where am I going to see ninety day fiance? I know you're addicted to it. If it doesn't work, O Githa ruganof and thank you so much. I think I learned something there. Pierre Farragu wrote the Black Books for Bernstein and Technology for years. Yes, he's got a fancy title Global Technology Infrastructure at New Street, but the answer is once and forever he will always own the Black Books over at Alliance Bernstein Peer. Thank you, Pierre, Thank you so much for joining us. And you have been cautious on Apple. Is now a time to buy the shares? After the lassitude that we've seen over the last twelve months. I would have liked to say yes, but unfortunately, and the reason why I would have liked to say yes is because sentiment is very very low on the name. You know, sixty percent by ratings and forty percent sale and a neutral rating for that name. It's very very It's as low as can be, I would say. So we've had like a very slow yeer. You know, three after in a row in negative growth, we're getting back to politive growth probably on the guide, but it's just because we're hitting like the the easier compare now and so that slowdown, like the stock reacted relatively well to that slowdown. If you look at the Apple stock, it roughly tracked the NASDAK. So not much happened on the stock. And the reason why you know I wouldn't jump on board now is first not a significant pullback so valuation. You're still paying like a hefty premium for our early It's partly justified, of course, for the quality of the franchise. But you know what happens next that really creates a surprise and gets the stock to work. From here, the high kinmentalist the harder matter pere single digit revenue growth. So I went back to the pandemic and basically sales are up forty seven percent from twenty nineteen, but the free cares flow generation after that is up seventy one percent. In your caution, are you suggesting that that formula they have of operating leverage, of generating ebit, of generating free cash flow is now broken? Given single digit revenue growth. No, I think it still works. But you know, of five percent revenue growth, you don't you don't generate as much free castural growth. So the way I like to think about it is out of like you know, between three and five percent revenue growth apper it can generate you know, you know, above five percent, like six seven percent earnings DIVIDI and free casual growth on a sustainable basis through like systematic buyback, through operating leverages that there are. So there is definitely a huge amount of quality there and a very strong benitry as you just mentioned. So all that is worth su premium. When you look at Apple today, it's straight on twenty seven times, you know, for for our earnings status and plus names who grow between five and ten percent anum, the overall economics are treading on like twenty two times, So you have a significant premium. So you won't have like a evaluation surprise out of this very healthy, very high quality model. And so when you own the Stoke today, you have to to believe this premium is going to remain, which I think is fine, but you can't expect like a sudden jump and a sudden increase in valuation multiple unless you have a new growth story, and that's where it's kind of difficult to expect that to cor right. The China part of the equation is not a growth story for Apple right now. How is May sixty pro getting a lot of attention kind of stealing the thunder in many ways? And Apple bears will always point to the China demand for iPhone fifteen as a reason to not be optimistic. How does Tim Cook frame the negative headlines that are hitting Apple out of China, whether it's the sixty pro or whether it's Beijing's ban of using foreign phones for government workers or stayed owned enterprises. Yeah, so I think it's a very good question. It's a source of concern. Interestingly, I don't think it's going to materialize that quickly because like the new Qua Way phone is really like in early innings, you know, they probably don't have a strong case to be that competitive against the iPhone. But it's true that you know, in this junk you mentioned since twoenty and twenty term, a lot of that was like what we're getting out of the picture in China and Apple really like gaining about twenty million XI units iPhone units combined with an increase in a spit and so that part of the business I think is true is kind of a trick over the next couple of years. Because China, China might be able to put together alternative to the AFO, the aphone remained like an exceptional product. You know, this is the only phone at a string animeter manufacturing a note for the main shift exceptional quality, exceptional like integrated software and hardware that there are. So I wouldn't say the Chinese are going to create the fund that can compete with the iPhone, but we know that in the past about twenty million funds we are selling at Huawei, and when Huawei dies appeared that market seem to have moved straight into Apple's hands. I see, and that's that's a concern of course. So how about Apple and AI? I mean, Apple was kind of left behind when Chat, GPT and all the other AI tools you know, took over the zeitgeist. I know Apple's working on things with relaated relative to Siri, and how can incorporate more generative AI into its products? Is this something that has reached a point where investors can can model it? No, So I think on the business model of Apple, you know, with making all its profits from selling hardware and then selling like mostly subscription services over this hardware, Like you know, the kind of like magical one trick where you can chart like thirty dollars a months for a generative AI based services that does doesn't really exist. The way I see it is that for Apple, generative are is going to be more of a defensive move. Siria has never been exceptionally impressive in terms of what it can achieve in terms of voice recognition and user user service. Apoba is going to continue to do their best to enhance the overall user experience with generative AI, But I don't see that as like as a revenue enhancement for them as it could be for like a Microsoft or Google and metal and advertising and things like that. Heard you just to finish here, is the Apple such a animal like you were mugged by your kids to go out and buy more toys like bram or like food like King. I mean you're on the same game. Are you suggesting that this is a stock that treads water for five years or are you actually looking for a diminished share price? So that's I think from from here over the next five years, I think that's a stock that can compound with its earnings power or its dividend power, so you know, it can compound like in single digits, maybe high single digits, so it's not it's not too bad for a very high quality name. And then I would look at buying it only if there is a bit of a dislocation at some point, like a loss in confidence if this quality I see that Apple wasn't there all the time. And so if you see like a weakness coming out of China or things like that, and if the stock is hurt by that, I think I would be I would be baking to revisit and look at, you know, getting into the name at a more attractive evaluation because when you're talking, companding and valuation is almost everything, because that's that's what drives, you know, your ability to buy back your stock more efficiently and things like that. So I really think you need a lower melteaper to make Apple compelling, like you know, single legy companding opportunity, and then a kind of like a breakthrough opportunity, you know, an opportunity to increase prices, to increase in clevolume, to launch a new products. Difficult to see that on the horizon. To be honest, Pierre, thank you for the brief peer fargu for some real Apple caution. They're different than the fanboys that so many people speak of. Subscribe to the Bloomberg Surveillance podcast on Apple, Spotify, and anywhere else you get your podcasts. Listen live every weekday starting at seven am Eastern Bloomberg dot com, the iHeartRadio app tune In, and the Bloomberg Business app. You can watch us live on Bloomberg Television and always on the Bloomberg terminal. Thanks for listening. I'm Tim Keane and this is Blumber HmSee 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Henry Aguda of UnionDigital Bank joins us in this episode to share UnionDigital is helping more Filipinos get access to financial services through embedded banking. Henry will share his early hustles and the hard work it took to build an illustrious career with stops in telco, insurance before he went to go into banking. He also shares how he got into the UnionBank group and how he became the CEO of UnionDigital bank. Henry also shares the impressive lineup of partnerships and products that they are doing in UnionDigital along with how they were able to get profitable very quickly after launching.This episode is brought to you by PayMongo, SeekCap, Shoppable and UnionDigital BankFor show notes, go to Hustleshare.comHustleshare is powered by PodmachineListen to our brand new podcast: Founders Only HEREDiamond Supporters: Sarisuki, PayMongo, UnionDigital Bank, SeekCap, Shoppable Business, Qapita, GoTyme BankGold Supporters: BUOSilver Supporters: Aqwire, Kickstart VenturesBronze: Gentree Fund Hosted on Acast. See acast.com/privacy for more information.

Hoy en rumbo a Miss Universo conocimos a Miss Vietnam Bùi Quỳnh Hoa, 25 años, nació en Hanoi, modelo, actriz. También a Lorena Santen es Miss Suiza, tiene 26 años y es Licenciada en Ciencias Económicas, trabaja para Union Bank of Switzerland, en Zurich.

As CEO of Aboitiz Data Innovation, David Hardoon oversees the operations of a technology conglomerate focused on using data science and AI to support its businesses in a range of sectors, including banking, financial services, utilities, agriculture, and construction in Singapore and the Philippines. In his role, David is leading some unexpected — but practical — uses of artificial intelligence, including using voice and image recognition to detect stress in livestock, and analyzing internet-of-things data to reduce waste and CO2 emissions in the cement R&D process. David joins this episode to discuss the broad scope of the organizations he's responsible for, the role of AI regulation and governance in helping to spur innovation, humans' sometimes problematic role in shaping AI outputs, and how a high school detention led to a career in artificial intelligence. Read the episode transcript here. Me, Myself, and AI is a collaborative podcast from MIT Sloan Management Review and Boston Consulting Group and is hosted by Sam Ransbotham and Shervin Khodabandeh. Our engineer is David Lishansky, and the coordinating producers are Allison Ryder and Sophie Rüdinger. Stay in touch with us by joining our LinkedIn group, AI for Leaders at mitsmr.com/AIforLeaders or by following Me, Myself, and AI on LinkedIn. Guest bio: David Hardoon is the CEO of Aboitiz Data Innovation and chief data and AI officer of Union Bank of the Philippines. He is concurrently the chief data and innovation officer of the Aboitiz Group and chief data officer of UnionDigital Bank. Previously, he was the Monetary Authority of Singapore's first appointed chief data officer and head of the Data Analytics Group, as well as a special adviser on AI. Hardoon has a doctorate in computer science (machine learning) from the University of Southampton and a bachelor's degree from Royal Holloway, University of London, in computer science and AI. We encourage you to rate and review our show. Your comments may be used in Me, Myself, and AI materials. We want to know how you feel about Me, Myself, and AI. Please take a short, two-question survey.

Live from the 2023 DCG Annual Conference, join Vin and Zach as they cover the key issues being discussed on stage. They are joined on the ground by three conference attendees (George Kelly of Liberty Bay CU, MA; Jon Schmaderer of TriCounty Bank, NE; Karyn Hale of Union Bank, VT) who sit down for an open forum on the opportunities / threats to their businesses, the outlook for their balance sheets over the next year, and key conference takeaways.For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.