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421. How to Stop the War, the Bill & the Trump Regime with Sen. Elizabeth Warren If you, like us, have been active in fighting our descent into facism, but are wondering what the Democratic party's plan is to stop the Trump regime, join us as we ask Senator Elizabeth Warren today what the Democratic party is doing – and what we can do. Listen to this episode for Senator Warren's answers to your questions on the “Big Beautiful Bill,” War with Iran, Gaza, and midterms — and clear calls to action: how to find your representatives, and scripts for the three things to tell them to do. For contact info for your Congress members, go to: https://www.congress.gov/members/find-your-member About Senator Warren: Elizabeth Warren, the senior Senator from Massachusetts and top Democrat on the Senate Committee on Banking, Housing, and Urban Affairs, is a fearless consumer advocate and one of the nation's leading progressive voices. Before becoming the first woman ever elected to the Senate from Massachusetts in 2012, Elizabeth led the fight to create the Consumer Financial Protection Bureau, an agency established in the aftermath of the financial crisis to protect consumers from predatory financial practices. Elizabeth lives in Cambridge, Massachusetts, with her husband Bruce and their golden retriever, Bailey. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
321: How to be an Adaptive Leader in Turbulent Times (Theo Ellington & Genevieve Leighton-Armah)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more at TowneBank.com/NonprofitBanking.What does it take to lead with purpose when resources are stretched, burnout is high, and the future feels uncertain? In episode #321 of Your Path to Nonprofit Leadership, Genevieve Leighton-Armah and Theo Ellington share how Black Citizen is redefining leadership development through trust-based philanthropy, flexible funding, and deep community engagement. Grounded in their lived experience and commitment to equity, they describe how their cohort model supports Black change makers with grants, coaching, and media tools to amplify impact and avoid isolation. ABOUT THEOTheo Ellington has extensive public and private sector organizing experience. As co-founder of Black Young Democrats of SF, he successfully fought against Stop-and-Frisk and later led The Salvation Army's efforts to double its impact on homelessness, modernize its real estate, and respond to COVID-19—generating $10M in new revenue. As a city commissioner, he helped create over 1,200 affordable housing units. At the Golden State Warriors, Theo secured approvals for a $1B arena across 14 agencies. He holds a BA in Political Science from Notre Dame de Namur University and an MA in Urban Affairs from the University of San Francisco.ABOUT GENEVIEVEGenevieve Leighton-Armah is a first-generation Dominican and Ghanaian changemaker working with BIPOC youth and elders in criminal justice reform, violence prevention, and advocacy. For over 12 years, she's led nonprofit initiatives connecting young people to tech/media careers and advancing equity across Northern California. She designs trauma-informed programs for healthcare settings and launched Bay Area Black Leaders in response to George Floyd's death, centering restorative rest and equity planning for Black leaders. She earned a BA in Criminal Justice with a minor in Ethnic Studies from San Francisco State University.EPISODE TOPICS & RESOURCES The Four Pivots: Reimagining Justice, Reimagining Ourselves by Dr. Shawn GinwrightWant to chat leadership 24/7? Go to delphi.ai/pattonmcdowellDon't miss our weekly Thursday Leadership Lens for the latest on nonprofit leadershipLooking for your next leadership opportunity? Check out our partners Armstrong McGuire
S4:E173 First, the weekly update in venture and then a special interview with Ammon Simon the Chief Counsel to the Senate Committee on Banking, Housing, and Urban Affairs chaired by Sen. Tim Scott of SC which has purview over the FTC and associated investing regulation. He'll be talking about reforming the Accredited Investor definition and how that might affect GenZ and Millennial investors. I'll then follow that with a brief explanation of a new type of fund structure gaining traction with Startup Investors, Evergreen Funds, also known as perpetual or open-ended funds. They offer an indefinite lifespan, unlike traditional closed-end funds which have a fixed termination date, allowing continuous investment and reinvestment of gains while allowing Periodic Redemptions. While private market investments are generally illiquid, Evergreen Funds offer investors scheduled redemption opportunities, usually on a quarterly or annual basis, providing a level of liquidity not typically seen in traditional private funds, though redemptions are usually capped to manage fund liquidity (e.g., 5% per quarter). They also allow lower Investment Minimums, enable Immediate investment Deployment and have no Capital Calls. (interview recorded 5.19.25)Reach out to Chief Counsel Ammon Simon at ammon@banking.senate.gov to advocate for change in the Accredited Investor Definition.Follow David and Paul: https://x.com/DGRollingSouth https://x.com/PalmettoAngel Connect On LinkedIn: https://www.linkedin.com/in/davidgrisell/ https://www.linkedin.com/in/paulclarkprivateequity/ We invite your feedback and suggestions at www.ventureinthesouth.com or email david@ventureinthesouth.com. Learn more about RollingSouth at rollingsouth.vc or email david@rollingsouth.vc.
Grace Gallucci is the Executive Director for the Northeast Ohio Areawide Coordinating Agency, the Metropolitan Planning Organization (MPO) for greater Cleveland, responsible for transportation and environmental planning, as well as resource allocation in the five county region. She has held this post since 2012.Ms. Gallucci has more than 30 years of finance and planning experience in the field of transportation. Her prior posts include working for the Chicago Regional Transportation Authority where she held the titles of Deputy Executive Director and Chief Financial Officer, responsible for the Finance and Performance Management functions, as well as those of the department of Research, Analysis and Policy Development. She also held the positions of Director, Office of Management & Budget and Director of Finance for the Greater Cleveland Regional Transit Authority. She started her career in transportation as an analyst for the Office of Transportation, Broward County, Florida, working on both highways and mass transit issues.Ms. Gallucci has been an adjunct professor at Cleveland State University, Kent State University, the University of Illinois at Chicago and Northwestern University, teaching courses in public finance, economics, public policy and transportation management. Ms. Gallucci holds a Master of Science in Urban Studies from Cleveland State University, and both a Master of Public Administration and a Bachelor of Science in Business Administration from the University of Dayton.Ms. Gallucci has been the chair of the Northeast Ohio Sustainability Communities Consortium (Vibrant NEO2040) since 2013, receiving the Daniel Burnham Award for best comprehensive plan from the American Planning Association, its highest honor, in 2015.She is active in various professional organizations including the National Association of Regional Councils. She has served on research panels for the Transportation Research Board of the National Academies of Science and has been appointed by former US Department of Transportation Secretary Ray LaHood to serve on its Transportation Review Advisory Committee for Safety. She has received many honors including being named one of Crain's Business “40 under 40”, and receiving the distinguished alumni award from Cleveland State University's Levin College of Urban Affairs.
Steven Pascal and I talk about his fatherhood journey. He shares the values he looks to instill into his kids as they are growing up. He and I talk about the life lessons his kids have taught him. Next he talks about the work he and his colleagues to over at the Children's Trust in Massachusetts. He and I talk about tips on how families can be at their best and look out for signs when your child needs help. Lastly, we finish the interview with the Fatherhood Quick Five. About Steven Pascal As the Director of Home Visiting, Steven leads the Healthy Families Massachusetts Implementation Team (HFMIT) who provide support and technical assistance to the statewide network of Healthy Families Massachusetts (HFM) programs serving first-time young parents. Aside from ensuring the evidence-based HFM programs are implemented with fidelity, he regularly collaborates with local non-profits, state agencies, and universities on private, state, and federally funded initiatives and program enhancements. Steven joined the Children's Trust in 2007. He works as a HFM Program Specialist having previously worked in the areas of elementary and higher education. In addition, he has specialized foster care, juvenile justice, and workforce development. Steven holds a Bachelor of Political Science from Salem State University and a Master of Urban Affairs from Boston University. Make sure you go to Children's Trust website to learn more at childrenstrustma.org. About The Art of Fatherhood Podcast The Art of Fatherhood Podcast follows the journey of fatherhood. Your host, Art Eddy talks with fantastic dads from all around the world where they share their thoughts on fatherhood. You get a unique perspective on fatherhood from guests like Bob Odenkirk, Hank Azaria, Joe Montana, Kevin Smith, Danny Trejo, Jerry Rice, Jeff Foxworthy, Patrick Warburton, Jeff Kinney, Paul Sun-Hyung Lee, Kyle Busch, Dennis Quaid, Dwight Freeney and many more.
Imagine a world in which companies could secretly export toxic waste and dump it in unsuspecting communities. Until the 1992 Basel Convention on the Control of Transboundary Movements of Hazardous Wastes and Their Disposal, there were no rules governing the international movement of toxic waste. Today, this convention ensures that such waste cannot be sent to unsuspecting recipients, particularly in the Global South. What makes this treaty so interesting to me is that it was inspired by an environmental scandal in the late 1980s, when an Italian company dumped toxic waste in the Nigerian town of Koko. The discovery of the waste sparked international outrage and led to stricter global regulations, including the Basel Convention. Joining me today to explain the impact of the Basel Convention is one of the world's foremost experts on environmental treaties, Maria Ivanova. She is the director of the School of Public Policy and Urban Affairs at Northeastern University and a professor of public policy. We kick off by discussing how this scandal led to a treaty on the international movement of hazardous waste, followed by a longer conversation about its lasting impact on the world today. This episode is produced in partnership with Lex International Fund, a philanthropic fund dedicated to strengthening international law to solve global challenges. It is part of a series that demonstrates the impact of treaties on state behavior, which we are calling "When Treaties Work."
Since President Trump took office on January 20th, speculation about tariffs has been omnipresent in supply chain planning conversations. But we do have a guide to the administration's philosophy, A User's Guide to Restructuring the Global Trading System, written by Stephen Miran and published by Hudson Bay Capital in November of 2024. Miran is Trump's pick to lead his Council of Economic Advisers, and will be appearing before the Senate Committee on Banking, Housing, and Urban Affairs the day this episode first airs. In his User's Guide, Miran makes the case that it is possible to use tariffs to achieve desired outcomes without causing undue harm. At the same time, he refers to the plan as a “narrow path.” In this week's episode of Art of Supply, Kelly Barner shares her reading of the guide: Why Miran - and therefore the Trump administration - believe tariffs can be used without adding to the costs paid by U.S. consumers The difference between theoretical and actual economic scenarios, and how it makes planning a challenge The high level of interconnectedness at play in this approach, and what will need to happen for it to work as intended Links: A User's Guide to Restructuring the Global Trading System Kelly Barner on LinkedIn Art of Supply LinkedIn newsletter Art of Supply on AOP Subscribe to This Week in Procurement
The DOGE Department has been making headlines in the past weeks as its leader, SpaceX and Tesla CEO Elon Musk, works to cut what he calls rampant government waste. Democrat lawmakers have been critical of his work, saying that what he is doing is unconstitutional and calling for oversight of the department. Republicans on the other hand are applauding the work with some saying that the department needs to go further. Florida Republican Congressman and Co-Chair of the DOGE Caucus Aaron Bean joins the Rundown to discuss the role of Congress in the cost cutting process, why he believes the time is now to tackle government spending, and what additional things he would like to see the DOGE Department evaluate. Last week, the United States Committee on Banking, Housing, and Urban Affairs held a hearing centered around "debanking" - where banks can refuse to open an account for customers considered at risk. Those in the legal marijuana industry are some of the few victims of "debanking." Although the industry generates billions of dollars in revenue, many still oppose legal marijuana. CEO of Flowhub Kyle Sherman joins to discuss how "debanking" impacts the industry, why many are pushing to reschedule legal marijuana, and why this is "un-American." Plus, commentary from FOX News Digital Columnist David Marcus. (Image Via AP) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Pat Toomey is a former senator from the state of Pennsylvania and served on the Committee on Banking, Housing, and Urban Affairs. In Pat's first appearance on the show he discussed his career in public service, Fed master accounts, the future on monetary policy, his quest for Fed accountability, the looming debt issue, and much more. Check out the transcript for this week's episode, now with links. Recorded on January 23rd, 2025 Follow David Beckworth on X: @DavidBeckworth Follow Pat Toomey: @SenToomey Follow the show on X: @Macro_Musings Check out our new AI chatbot: the Macro Musebot! Join the new Macro Musings Discord server! Join the Macro Musings mailing list! Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel Timestamps: (00:00:00) – Intro (00:01:09) – Senator Toomey's Committee Work (00:21:21) – Federal Reserve Master Accounts (00:27:07) – Accountability of the Fed (00:30:07) – Monetary Policy (00:45:19) – Debts, Deficits, and Fiscal Policy (00:57:22) – Outro
The DOGE Department has been making headlines in the past weeks as its leader, SpaceX and Tesla CEO Elon Musk, works to cut what he calls rampant government waste. Democrat lawmakers have been critical of his work, saying that what he is doing is unconstitutional and calling for oversight of the department. Republicans on the other hand are applauding the work with some saying that the department needs to go further. Florida Republican Congressman and Co-Chair of the DOGE Caucus Aaron Bean joins the Rundown to discuss the role of Congress in the cost cutting process, why he believes the time is now to tackle government spending, and what additional things he would like to see the DOGE Department evaluate. Last week, the United States Committee on Banking, Housing, and Urban Affairs held a hearing centered around "debanking" - where banks can refuse to open an account for customers considered at risk. Those in the legal marijuana industry are some of the few victims of "debanking." Although the industry generates billions of dollars in revenue, many still oppose legal marijuana. CEO of Flowhub Kyle Sherman joins to discuss how "debanking" impacts the industry, why many are pushing to reschedule legal marijuana, and why this is "un-American." Plus, commentary from FOX News Digital Columnist David Marcus. (Image Via AP) Learn more about your ad choices. Visit podcastchoices.com/adchoices
The DOGE Department has been making headlines in the past weeks as its leader, SpaceX and Tesla CEO Elon Musk, works to cut what he calls rampant government waste. Democrat lawmakers have been critical of his work, saying that what he is doing is unconstitutional and calling for oversight of the department. Republicans on the other hand are applauding the work with some saying that the department needs to go further. Florida Republican Congressman and Co-Chair of the DOGE Caucus Aaron Bean joins the Rundown to discuss the role of Congress in the cost cutting process, why he believes the time is now to tackle government spending, and what additional things he would like to see the DOGE Department evaluate. Last week, the United States Committee on Banking, Housing, and Urban Affairs held a hearing centered around "debanking" - where banks can refuse to open an account for customers considered at risk. Those in the legal marijuana industry are some of the few victims of "debanking." Although the industry generates billions of dollars in revenue, many still oppose legal marijuana. CEO of Flowhub Kyle Sherman joins to discuss how "debanking" impacts the industry, why many are pushing to reschedule legal marijuana, and why this is "un-American." Plus, commentary from FOX News Digital Columnist David Marcus. (Image Via AP) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Today's podcast show features a discussion with Julie Andersen Hill about her law review article titled “Regulating Bank Reputation Risk”, 54 GA. L. Rev. 523 (2023). Professor Hill is the Dean and Wyoming Excellence Chair of the University of Wyoming College of Law. The abstract to Professor Hill's article does an excellent job of summarizing her thesis: This Article surveys reputation risk guidance and enforcement efforts. It shows that reputation risk regulation is usually an ancillary consideration to credit risk, operational risk, or other primary risk. In these instances, reputation risk adds little because regulators have strong tools to address the root problems. Sometimes, however, regulators justify guidance or enforcement primarily in terms of controlling reputation risk. Regulators use reputation risk to weigh in on hot-button political topics afield from safety and soundness like gun rights, payday lending and fossil fuels. Because regulators believe that reputation risk is present in every facet of banking, little prevents them from using it to address other controversies. This Article argues that expansive regulation of reputation risk is harmful. There is little evidence that can accurately predict and prevent bank reputational losses. Moreover, because reputation risk is largely subjective, regulators can use it to further political agendas apart from bank safety and soundness. Unnecessary politicization of banking regulation undermines faith in the regulatory system and correspondently erodes trust in banks. During our discussion, Professor Hill addressed the following issues: What is reputation risk? What legal authority do bank supervisors have to regulate reputation risk? Why do you believe that the regulation of reputation risk is unnecessary and harmful? What is Operation Choke Point all about and how did it turn out? What was the outcome in the U.S. Supreme Court in NRA v. Vullo of the New York State bank regulator urging state banks to manage the reputation risk posed by doing business with the National Rifle Association? Has concern over the regulation of reputation risk subsided in light of the termination of Operation Chokepoint and the unanimous Supreme Court opinion in NRA v. Vullo? Why does there appear to be renewed worry that regulators are using reputation risk and other justifications to force banks to cut services to people, businesses or industries that they don't like? Is there any credence to the claims of Elon Musk and others that crypto and tech startups are being debanked or denied fair access to banking services? In light of the fact that President Trump himself and many members of Congress are troubled by debanking claims, what sort of policy changes are likely to be considered? What is the likelihood of the OCC promulgating a regulation prohibiting debanking in Trump 2.0 similar to the one it almost finalized in Trump 1.0? The importance of this podcast is underscored by the fact that yesterday, the Senate Committee on Banking, Housing and Urban Affairs held a hearing entitled “Investigating the Real Impacts of Debanking in America.” Alan Kaplinsky, Senior Counsel and former chair for 25 years of the Consumer Financial Services Group, hosts the discussion.
In this episode of Speaking Out of Place podcast Professor David Palumbo-Liu talks with Maya Schenwar and Kim Wilson on their new book, We Grow the World Together: Parenting Toward Abolition. They talk about what inspired them to commission a wide range of amazing activists, artists, scholars, and organizers to write whatever came to their minds about the topic of parenting and abolition. The result is a rich mosaic of unique insights expressed in diverse forms, but each one touching deeply on the interdependency of living beings and the importance of caregiving in all its forms. It is this commitment that leads us always to imagine an abolitionist future for ourselves, and all children.Maya Schenwar is Truthout's editor-in-chief, author of Locked Down, Locked Out: Why Prison Doesn't Work and How We Can Do Better, and co-editor of Who Do You Serve, Who Do you Protect? Police Violence and Resistance in the United States. Kim Wilson is an artist, educator, writer, and organizer. She is the co-founder, cohost, and producer of Beyond Prisons, a podcast on incarceration and prison abolition. A social scientist by training, Dr. Wilson has a PhD in Urban Affairs and Public Policy, and her work focuses on examining the interconnected functioning of systems, including poverty, racism, ableism, and heteropatriarchy, within a carceral structure. Her work delves into the extension and expansion of these systems beyond their physical manifestations of cages and fences, to reveal how carcerality is imbued in policy and practice. She explores how these systems synergize to exacerbate the challenges faced by under-resourced communities, revealing a deliberate intention to undermine and further marginalize vulnerable populations.www.palumbo-liu.comhttps://speakingoutofplace.comBluesky @palumboliu.bsky.socialInstagram @speaking_out_of_place
In this episode of Speaking Out of Place podcast Professor David Palumbo-Liu talks with Maya Schenwar and Kim Wilson on their new book, We Grow the World Together: Parenting Toward Abolition. They talk about what inspired them to commission a wide range of amazing activists, artists, scholars, and organizers to write whatever came to their minds about the topic of parenting and abolition. The result is a rich mosaic of unique insights expressed in diverse forms, but each one touching deeply on the interdependency of living beings and the importance of caregiving in all its forms. It is this commitment that leads us always to imagine an abolitionist future for ourselves, and all children.Maya Schenwar is Truthout's editor-in-chief, author of Locked Down, Locked Out: Why Prison Doesn't Work and How We Can Do Better, and co-editor of Who Do You Serve, Who Do you Protect? Police Violence and Resistance in the United States. Kim Wilson is an artist, educator, writer, and organizer. She is the co-founder, cohost, and producer of Beyond Prisons, a podcast on incarceration and prison abolition. A social scientist by training, Dr. Wilson has a PhD in Urban Affairs and Public Policy, and her work focuses on examining the interconnected functioning of systems, including poverty, racism, ableism, and heteropatriarchy, within a carceral structure. Her work delves into the extension and expansion of these systems beyond their physical manifestations of cages and fences, to reveal how carcerality is imbued in policy and practice. She explores how these systems synergize to exacerbate the challenges faced by under-resourced communities, revealing a deliberate intention to undermine and further marginalize vulnerable populations.www.palumbo-liu.comhttps://speakingoutofplace.comBluesky @palumboliu.bsky.socialInstagram @speaking_out_of_place
In this episode of Speaking Out of Place podcast Professor David Palumbo-Liu talks with Maya Schenwar and Kim Wilson on their new book, We Grow the World Together: Parenting Toward Abolition. They talk about what inspired them to commission a wide range of amazing activists, artists, scholars, and organizers to write whatever came to their minds about the topic of parenting and abolition. The result is a rich mosaic of unique insights expressed in diverse forms, but each one touching deeply on the interdependency of living beings and the importance of caregiving in all its forms. It is this commitment that leads us always to imagine an abolitionist future for ourselves, and all children.Maya Schenwar is Truthout's editor-in-chief, author of Locked Down, Locked Out: Why Prison Doesn't Work and How We Can Do Better, and co-editor of Who Do You Serve, Who Do you Protect? Police Violence and Resistance in the United States. Kim Wilson is an artist, educator, writer, and organizer. She is the co-founder, cohost, and producer of Beyond Prisons, a podcast on incarceration and prison abolition. A social scientist by training, Dr. Wilson has a PhD in Urban Affairs and Public Policy, and her work focuses on examining the interconnected functioning of systems, including poverty, racism, ableism, and heteropatriarchy, within a carceral structure. Her work delves into the extension and expansion of these systems beyond their physical manifestations of cages and fences, to reveal how carcerality is imbued in policy and practice. She explores how these systems synergize to exacerbate the challenges faced by under-resourced communities, revealing a deliberate intention to undermine and further marginalize vulnerable populations.www.palumbo-liu.comhttps://speakingoutofplace.comBluesky @palumboliu.bsky.socialInstagram @speaking_out_of_place
In this episode of Speaking Out of Place podcast Professor David Palumbo-Liu talks with Maya Schenwar and Kim Wilson on their new book, We Grow the World Together: Parenting Toward Abolition. They talk about what inspired them to commission a wide range of amazing activists, artists, scholars, and organizers to write whatever came to their minds about the topic of parenting and abolition. The result is a rich mosaic of unique insights expressed in diverse forms, but each one touching deeply on the interdependency of living beings and the importance of caregiving in all its forms. It is this commitment that leads us always to imagine an abolitionist future for ourselves, and all children.Maya Schenwar is Truthout's editor-in-chief, author of Locked Down, Locked Out: Why Prison Doesn't Work and How We Can Do Better, and co-editor of Who Do You Serve, Who Do you Protect? Police Violence and Resistance in the United States. Kim Wilson is an artist, educator, writer, and organizer. She is the co-founder, cohost, and producer of Beyond Prisons, a podcast on incarceration and prison abolition. A social scientist by training, Dr. Wilson has a PhD in Urban Affairs and Public Policy, and her work focuses on examining the interconnected functioning of systems, including poverty, racism, ableism, and heteropatriarchy, within a carceral structure. Her work delves into the extension and expansion of these systems beyond their physical manifestations of cages and fences, to reveal how carcerality is imbued in policy and practice. She explores how these systems synergize to exacerbate the challenges faced by under-resourced communities, revealing a deliberate intention to undermine and further marginalize vulnerable populations.www.palumbo-liu.comhttps://speakingoutofplace.comBluesky @palumboliu.bsky.socialInstagram @speaking_out_of_place
In this episode of Speaking Out of Place podcast Professor David Palumbo-Liu talks with Maya Schenwar and Kim Wilson on their new book, We Grow the World Together: Parenting Toward Abolition. They talk about what inspired them to commission a wide range of amazing activists, artists, scholars, and organizers to write whatever came to their minds about the topic of parenting and abolition. The result is a rich mosaic of unique insights expressed in diverse forms, but each one touching deeply on the interdependency of living beings and the importance of caregiving in all its forms. It is this commitment that leads us always to imagine an abolitionist future for ourselves, and all children.Maya Schenwar is Truthout's editor-in-chief, author of Locked Down, Locked Out: Why Prison Doesn't Work and How We Can Do Better, and co-editor of Who Do You Serve, Who Do you Protect? Police Violence and Resistance in the United States. Kim Wilson is an artist, educator, writer, and organizer. She is the co-founder, cohost, and producer of Beyond Prisons, a podcast on incarceration and prison abolition. A social scientist by training, Dr. Wilson has a PhD in Urban Affairs and Public Policy, and her work focuses on examining the interconnected functioning of systems, including poverty, racism, ableism, and heteropatriarchy, within a carceral structure. Her work delves into the extension and expansion of these systems beyond their physical manifestations of cages and fences, to reveal how carcerality is imbued in policy and practice. She explores how these systems synergize to exacerbate the challenges faced by under-resourced communities, revealing a deliberate intention to undermine and further marginalize vulnerable populations.www.palumbo-liu.comhttps://speakingoutofplace.comBluesky @palumboliu.bsky.socialInstagram @speaking_out_of_place
Today I am delighted to have Maya Schenwar and Kim Wilson on Speaking Out of Place to discuss their new book, We Grow the World Together: Parenting Toward Abolition. We talk about what inspired them to commission a wide range of amazing activists, artists, scholars and organizers to write whatever came to their minds about the topic of parenting and abolition. The result is a rich mosaic of unique insights expressed in diverse forms, but each one touching deeply on the interdependency of living beings and the importance of caregiving in all its forms. It is this commitment that leads us always to imagine an abolitionist future for ourselves, and all children. Maya Schenwar is a writer, editor, and organizer who serves as director of the Truthout Center for Grassroots Journalism. She is also Truthout's board president and editor at large. Maya is the co-editor of We Grow the World Together: Parenting Toward Abolition and co-author of Prison by Any Other Name: The Harmful Consequences of Popular Reforms, among other books. In addition to Truthout, Maya's work has appeared in many publications including The New York Times, The Guardian, NBC News and The Nation, and she has appeared on Democracy Now!, MSNBC, C-SPAN, NPR, and other television and radio programs. Maya is a cofounder of the Movement Media Alliance, as well as Media Against Apartheid and Displacement. She lives in Chicago.Kim Wilson is an artist, educator, writer, and organizer. She is the cofounder, cohost, and producer of Beyond Prisons, a podcast on incarceration and prison abolition. A social scientist by training, Dr. Wilson has a PhD in Urban Affairs and Public Policy, and her work focuses on examining the interconnected functioning of systems, including poverty, racism, ableism, and heteropatriarchy, within a carceral structure. Her work delves into the extension and expansion of these systems beyond their physical manifestations of cages and fences, to reveal how carcerality is imbued in policy and practice. She explores how these systems synergize to exacerbate the challenges faced by under-resourced communities, revealing a deliberate intention to undermine and further marginalize vulnerable populations.
On this Salcedo Storm Podcast:Carl Tepper represents House District 84, which is entirely within Lubbock County, Texas. A father, Air Force veteran, Texas Tech graduate, and commercial real estate professional, Representative Tepper serves on the House Committees on Appropriations and Urban Affairs.
Join us as we explore the intricate world of urban redevelopment with Brad Vogelsmeier, a visionary who has reshaped cityscapes from Indianapolis to Charlotte. From his early curiosity in St. Louis to becoming a pivotal force in urban planning, Brad's journey reveals the challenges and innovative strategies behind revitalizing urban spaces. Uncover the secrets of successful city transformations by tuning in! Key Takeaways To Listen For What redevelopment means when serving the community better Milhaus's strategic pillars for redevelopment projects How to leverage federal tax legislation in underserved urban areas The value of public-private partnerships with local stakeholders and cities An innovative approach to enhance tenant convenience and engagement Resources/Links Mentioned In This Episode Same as Ever by Morgan Housel | Kindle, Paperback and Hardcover About Brad Vogelsmeier Brad Vogelsmeier is the Vice President of Development at Milhaus, overseeing leadership, project pipeline creation, and execution for development projects in Indiana and new opportunistic markets. With a strong passion for urban and community redevelopment, Brad brings experience from the public, private, and non-profit sectors. He holds a Bachelor of Arts in Urban Affairs from Butler University, graduating Magna Cum Laude, and a Master's degree in Urban Planning with a Graduate Certificate in Real Estate Development from the University of Michigan. Brad is particularly passionate about revitalizing urban cores and creating vibrant, livable spaces for communities. Connect with Brad Website: Milhaus LinkedIn: Brad Vogelsmeier Connect With Us If you're looking to invest your hard-earned money into cash-flowing, value-add assets, reach out to us at https://bobocapitalventures.com/. Follow Keith's social media pages LinkedIn: Keith Borie Investor Club: Secret Passive Cashflow Investors Club Facebook: Keith Borie X: @BoboLlc80554
Drug overdose deaths in the U.S. fell by 12.7% between May 2023 and 2024. As the Office of National Drug Control Policy notes, this marks the largest recorded reduction in overdose deaths. It also marks six consecutive months of reported decreases. What has driven the recent declines? Which policies and interventions have proven particularly effective? And what work still needs to be done where overdose death rates are still rising? Alicia Sasser Modestino joins EconoFact Chats to discuss these issues. Alicia is an Associate Professor of Public Policy and Urban Affairs, and Economics at Northeastern University, where she also serves as Research Director of the Dukakis Center for Urban and Regional Policy.
Drug overdose deaths in the U.S. fell by 12.7% between May 2023 and 2024. As the Office of National Drug Control Policy notes, this marks the largest recorded reduction in overdose deaths. It also marks six consecutive months of reported decreases. What has driven the recent declines? Which policies and interventions have proven particularly effective? And what work still needs to be done where overdose death rates are still rising? Alicia Sasser Modestino joins EconoFact Chats to discuss these issues. Alicia is an Associate Professor of Public Policy and Urban Affairs, and Economics at Northeastern University, where she also serves as Research Director of the Dukakis Center for Urban and Regional Policy.
Is ESG a “hopeless muddle”? Listen to Jason Mitchell discuss with SEC Commissioner Hester Peirce, about free markets and free minds; climate and ESG disclosures; the implications of Loper Bright on the Chevron Doctrine and agency authority; and the merits of financial innovation in crypto versus ESG. Commissioner Hester Peirce was appointed by President Donald Trump to the U.S. Securities and Exchange Commission in 2018. Before joining the SEC, Commissioner Peirce conducted research on the regulation of financial markets at the Mercatus Center at George Mason University. She was a Senior Counsel on the U.S. Senate Committee on Banking, Housing, and Urban Affairs, where she advised Ranking Member Richard Shelby and other members of the Committee on securities issues. Commissioner Peirce served as counsel to SEC Commissioner Paul S. Atkins. She also worked as a Staff Attorney in the SEC's Division of Investment Management.
Erika L. Anthony, a native New Yorker, is the Co-Founder and Executive Director of Cleveland VOTES. Cleveland VOTES is a nonpartisan, democracy-building movement that works to reconstruct and strengthen power through active participation of our collective partners. Erika has held executive and senior positions with the Ohio Transformation Fund, Cleveland Neighborhood Progress, and Oriana House, Inc. She also serves on a number of boards and commissions in Cleveland. Erika holds a B.S. in Psychology from The Pennsylvania State University and a Masters of Public Administration from the Maxine G. Levin College of Urban Affairs at Cleveland State University.
Hester M. Peirce (appointed to the U.S. Securities and Exchange Commission by President Donald J. Trump), shares insights into the SEC's role in enforcing laws amidst rapid technological advancements. We also explore balancing innovation with consumer protection, and emphasizing the need to rethink outdated legislation along with how regulatory clarity can foster more innovation. Key Takeaways: The importance of public engagement with regulatory bodies to shape future policies constructively Weighing the need for innovation against the risks of misuse and surveillance The role of the SEC within the crypto space and the attitudes of the agency towards emerging technologies The ways technology can advance responsibly, while still safeguarding personal liberties and addressing governmental concerns Guest Bio: Hester M. Peirce was appointed by President Donald J. Trump to the U.S. Securities and Exchange Commission, and was sworn in on January 11, 2018. Prior to joining the SEC, Commissioner Peirce conducted research on the regulation of financial markets at the Mercatus Center at George Mason University. She was a Senior Counsel on the U.S. Senate Committee on Banking, Housing, and Urban Affairs, where she advised Ranking Member Richard Shelby and other members of the Committee on securities issues. Commissioner Peirce served as counsel to SEC Commissioner Paul S. Atkins. She also worked as a Staff Attorney in the SEC's Division of Investment Management. Commissioner Peirce was an associate at Wilmer, Cutler & Pickering (now WilmerHale) and clerked for Judge Roger Andewelt on the Court of Federal Claims. Commissioner Peirce earned her bachelor's degree in Economics from Case Western Reserve University, and her JD from Yale Law School. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte
Meet Racheal Shantel from Collierville, TN—an inspiring force in urban development and community empowerment. With two bachelor's degrees in Interior Design and Commercial Construction Management, a master's in Urban and Regional Planning, and founder of Mane Up Memphis, Racheal is dedicated to uplifting Memphis through financial literacy, education, and community engagement. She's also a content creator, culture influencer, fitness enthusiast, and motivational speaker. Tune in as we explore her journey, passion for change, and her pursuit of a PhD in Urban Affairs in 2025.
BigTentUSA was honored to welcome Mandara Meyers, Chief Programs officer of The States Project along with Senior Manager of Recruitment, Giving Circles, Tia Howard. “The States Project” is a pivotal national organization dedicated to highlighting the critical role of state legislatures in shaping our communities. The discussion focused on both electoral and policy work as well as giving circles in order to ensure fair elections, foster collaboration among state lawmakers, and protect the spirit of democracy. In 2024, they are focusing their efforts on AZ, KS, MI, MN, NV, NH, NC, PA, and WI.As the threat of authoritarianism increases, states could become the key defenders of our democracy.OUR SPEAKERSMandara Meyers has served as Chief Programs Officer at The States Project since 2020 and is driving the strategy and expansion of TSP's electoral and policy work. Previously, Mandara was a government relations attorney, developed hundreds of state and local political leaders at the Center for Progressive Leadership, oversaw programming for 40,000 members as a Vice President at Leadership for Educational Equity, and led a foundation focused on leadership. An alumna of Swarthmore College and the University of Pennsylvania Law School, Mandara started her career as a Coro Fellow in Public Affairs.Tia Howard is Senior Manager of Recruitment, Giving Circles. Tia began her career working on the fundraising side of several political campaigns at the national and state levels. Just prior to joining The States Project, Tia worked to uplift the voices of women of color, immigrants, and care workers with the National Domestic Workers Alliance and Care in Action. Tia is an alumna of American University's School of International Service and Northeastern University's School of Public Policy and Urban Affairs.See Links Below discussed on call.
Sen. Roger Marshall (R-KAN) has withdrawn from the proposed Digital Asset Anti-Money Laundering Act of 2023 (DAAMLA) he originally introduced with Sen. Elizabeth Warren. US lawmaker Senator Elizabeth Warren has continued her anti-crypto evangelism despite her thinning support base. On July 25, she opined that foreign-owned crypto-mining operations pose a national security threat during a hearing of the Senate Committee on Banking, Housing, and Urban Affairs.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:23 Sponsor: Tangem01:19 Warrens bill still hasn't passed02:00 Senate banking committee02:15 Elizabeth Warren FUD gets ridiculous03:51 Warren's scripted talking points04:56 Cleanspark buys miner 06:25 Inca Digital is the source of all FUD07:23 Inca Digital CEO admits to committing Blackmail?09:05 Senator withdraws from anti-crypto army09:45 Flipping congress sentiment10:15 John Deaton on Elizabeth Warren FUD13:36 Donate to Deaton14:02 Outro#crypto #bitcoin #ethereum~Elizabeth Warren Crypto FUD Fails Again
The Ministry of Housing and Urban Affairs, which invited proposals in March 2022, received 26 proposals from 21 states including MP, Maharashtra, Bengal, Kerala till January last year.
Vince speaks with EJ Antoni, Economist at the Heritage Foundation and in house economist of The Vince Coglianese show about how Joe Biden ending Trump's tax cuts benefit rich blue state Democrats, what Biden's student loan bailouts will do to inflation, and his testimony to the Senate Committee on Banking, Housing and Urban Affairs. For more coverage on the issues that matter to you visit www.WMAL.com, download the WMAL app or tune in live on WMAL-FM 105.9 from 3-6pm. To join the conversation, check us out on social media: @WMAL @VinceCoglianese. Executive Producer: Corey Inganamort @TheBirdWords See omnystudio.com/listener for privacy information.
5/24/24 Hour 2 Ruben Diaz, a former NYC Democratic Councilman endorses Donald Trump and apologizes for Judge Merchan's behavior. Wikipedia is deleting the true meaning of the “An Appeal to Heaven” flag. Vince speaks with EJ Antoni, Economist at the Heritage Foundation and in house economist of The Vince Coglianese show about how Joe Biden ending Trump's tax cuts benefit rich blue state Democrats, what Biden's student loan bailouts will do to inflation, and his testimony to the Senate Committee on Banking, Housing and Urban Affairs. For more coverage on the issues that matter to you visit www.WMAL.com, download the WMAL app or tune in live on WMAL-FM 105.9 from 3-6pm. To join the conversation, check us out on social media: @WMAL @VinceCoglianese. Executive Producer: Corey Inganamort @TheBirdWords See omnystudio.com/listener for privacy information.
The Supreme Court heard arguments Monday in its biggest case on homelessness in decades. At issue is whether penalizing unhoused people for camping on public land violates the “cruel and unusual punishment” clause of the 8th Amendment — even if they refuse offers of shelter. The case, Grants Pass v. Johnson, could have massive implications for how California cities address homelessness. Nearly half of all unhoused Americans live in California, according to a report last year by the U.S. Department of Housing and Urban Affairs. We'll discuss the arguments and how the Court might rule. Guests: Marisa Kendall, homelessness reporter, CalMatters Meghan Ryan, professor of law, Southern Methodist University (SMU)
Tri-state area or New England? Nutmeg or Constitution State? "Stuffy, preppy, sleepy"? What really makes Connecticut Connecticut, and what stereotypes can we stand to shake off? After the state's recent rebranding effort, it's a debate that has found its way to the national stage. This hour, Catherine Shen is joined by a roundtable of Connecticut Public hosts, as we debate what defines Connecticut. And we want to hear from you. What characterizes or typifies where you live? What do you think people get wrong or right about Connecticut's reputation? GUESTS: Colin McEnroe: Host, The Colin McEnroe Show Chion Wolf: Host, Audacious with Chion Wolf Dr. Khalilah Brown-Dean: Host, Disrupted Dr. Jonathan Wharton: Associate Professor of Political Science and Urban Affairs, Southern Connecticut State University; Columnist, CT News Junkie and Hearst Connecticut Cat Pastor contributed to this episode which originally aired on January 25, 2024.Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.
In this episode, Nursing Economic$ Editor Dr. Donna Nickitas, and Associate Editor Dr. Mary Ann Donohue-Ryan talk with Dr. Bethany Hall-Long, the current Lieutenant Governor for the state of Delaware, about health and public policy, and why it matters now more than ever as we recover from the COVID-19 pandemic. Drs. Nickitas, Donohue-Ryan, and Hall-Long explore essential issues confronting the nursing profession; nurses themselves; and overall workforce, education, and training of nurses. They also address vital concerns related to politics, power, and the significance of nurses running for public office.Bethany Hall-Long, PhD, RN, FAAN, is the current Lieutenant Governor of Delaware and has dedicated her medical career to addressing health inequities and expanding treatment options and access for mental health care in Delaware. She is a Professor of Nursing and Joint Faculty in Urban Affairs at the University of Delaware, in Newark, Delaware. Donna M. Nickitas, PhD, RN, NEA-BC, CNE, FAAN, is Dean and Professor, the Rutgers School of Nursing, in Camden, New Jersey, and the Editor of Nursing Economic$. Mary Ann Donohue-Ryan, PhD, RN, APN, PMHCNS-BC, CPHQ, FACHE, is an Executive Nurse Leader at Chilton Medical Center, Atlantic Health System, in Pompton Plains, New Jersey, and the Associate Editor of Nursing Economic$.© Jannetti Publications, Inc.All rights reserved. No portion of this podcast may be used without written permission.To learn more about Nursing Economic$, visit http://www.nursingeconomics.netMusical selections by Scott Holmes.http://www.scottholmesmusic.com
Tri-state area or New England? Nutmeg or Constitution State? "Stuffy, preppy, sleepy"? What really makes Connecticut Connecticut, and what stereotypes can we stand to shake off? After the state's recent rebranding effort, it's a debate that has found its way to the national stage. This hour, Catherine Shen is joined by a roundtable of Connecticut Public hosts, as we debate what defines Connecticut. And we want to hear from you. What characterizes or typifies where you live? What do you think people get wrong or right about Connecticut's reputation? GUESTS: Colin McEnroe: Host, The Colin McEnroe Show Chion Wolf: Host, Audacious with Chion Wolf Dr. Khalilah Brown-Dean: Host, Disrupted Dr. Jonathan Wharton: Associate Professor of Political Science and Urban Affairs, Southern Connecticut State University; Columnist, CT News Junkie and Hearst Connecticut Find more about the show here: Where We LiveSupport the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.
Jay Ramone found a video of a 212cc, two stroke powered Mobility Scooter!!! Jeff & Jay try explain to Max that he NEEDS this scooter!!!! The laughter ensues as we envision Max doing donuts & burnouts through the Casino floor. This month, Jason DeFord aka Jelly Roll, spoke & testified in front of the Senate Committee on Banking, Housing, and Urban Affairs as ranking member Sen. Tim Scott (R-SC) continued to push for the passage of his bill, the Fentanyl Eradication and Narcotics Deterrence (FEND) Off Fentanyl Act. We all watched his speach to Congress & we discuss how impressive his words truly were! If you haven't seen it, you need to look it up! In the last episode we discussed Max & Jeff's roadtrip to Dallas to go see Mr. Big on their farewell tour. We always say, Buy The Ticket & Take The Ride, so in this episode we discuss upcoming shows in 2024 that we want to see. See omnystudio.com/listener for privacy information.
John Sebree joined the CALIFORNIA ASSOCIATION OF REALTORS® as chief executive officer and state secretary in early 2022, overseeing the association's objectives, business development, strategic planning, legislative policies and creating products so that real estate professionals can remain at the center of the real estate transaction and succeed in today's rapidly changing real estate market.Sebree previously served as chief executive officer of Missouri REALTORS® for more than seven years. Prior to his move to Missouri, Sebree served as Senior Vice President of Public Policy for Florida REALTORS® for 11 years. Prior to that, he worked in the Government Affairs division of the NATIONAL ASSOCIATION OF REALTORS® (NAR) in Washington, DC for 13 years. Sebree was a Senior Legislative Representative working with the congressional delegations of eight states. Prior to NAR, Sebree worked for two years for the U.S. House of Representatives Committee on Banking, Finance and Urban Affairs. A native of Kentucky, Sebree received a bachelor's degree in Business Management from Northern Kentucky University, where he was Student Body President. He earned an MBA from The George Washington University in Washington, DC. In this episode:John's career journeyThe Jeb Bush storyThe Burnett VerdictJohn's experience during the 2008 real estate crashC.A.R.'s sales projections for 2024John's message for 2024 to realtorsJohn's take on California legislatureThe Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show
Recent changes in the Education Department's regulations are reshaping mergers and acquisitions in higher education. These regulatory modifications, coupled with new negotiated rulemaking, are affecting not only the dynamics of institutional changes but also the roles of accreditors and state authorization bodies. Drumm McNaughton welcomes Mike Goldstein, Managing Director of the Center for Higher Education Transformation at Titan Partners, to discuss significant regulatory changes in the field of higher education. Key Discussion Points: New Regulatory Landscape: Exploration of the Department of Education's recent regulatory changes and their impact on higher education institutions' merger and acquisition activities. The critical distinction between ownership and control in the context of these regulatory changes. Impact on Institutional Dynamics: Insight into different models of mergers and acquisitions, illustrated through real-world examples. Discussion on the economic challenges faced by private, non-profit institutions leading to increased merger and acquisition activities. Federal Government's Role and Intentions: Analysis of the federal government's objectives in implementing these regulations, focusing on student protection and institutional accountability. Negotiated Rulemaking and State Authorization: Discussion on the details of the new rulemaking process and its implications for accreditors and state authorization. Mike Goldstein's perspective on the increasing scrutiny and expectations from regulatory bodies. Three Key Takeaways for Higher Education Presidents and Boards 1. Explore Mergers and Acquisitions When Beneficial If a school can benefit from merging with, being acquired by, or acquiring another institution in terms of its educational mission, community service, or finances, it should confidently consider such options. 2. Proceed with Caution and Strategic Partnership It is crucial to choose partners carefully. Institutions should merge or acquire only if it leads to mutual benefits such as scale, management efficiency, or program diversity. Avoid merging failing institutions as it only leads to a larger failing entity. 3. Ensure Professionalism and Meticulous Planning Mergers and acquisitions in higher education require sophisticated handling of legal, financing, and academic issues. Professional guidance is essential to navigate these complexities and to model successful institutional mergers. Final Thoughts As we navigate these pivotal regulatory changes, it's clear that their impact goes beyond mere compliance. These shifts represent a transformative moment in higher education, prompting institutions to rethink their strategies around mergers and acquisitions. The implications are profound, potentially reshaping the very fabric of higher education as we know it. Institutions must not only adapt to these changes but also seize the opportunities they present for innovation and sustainable growth. Read the transcript on our website → About Our Podcast Guest Michael Goldstein is the Managing Director of the Center for Higher Education Transformation at Titan Partners. Mike is a pioneer in the development of the legal environment in higher education and a counselor at the highest levels of legislation in higher education. He initiated the New York City Urban Corps, the first major intern program for less affluent students, funded through the Federal Work Study Program. This led to similar nationwide initiatives, supported by the Ford Foundation. In New York City government, Goldstein served as Assistant City Administrator and Director of University Relations, later joining the University of Illinois Chicago as Associate Vice Chancellor for Urban Affairs and Associate Professor of Urban Sciences. In 1978, he moved to Dow Lohnes law firm in Washington, DC, creating a new legal practice focusing on higher education. By 2014, under his leadership, this practice, now part of Cooley LLP, was one of the largest and most respected in the U.S. Goldstein pioneered alternative postsecondary education delivery methods, including significant reforms for online learning. He's received numerous awards for his contributions to adult learning. Goldstein, a Cornell University and New York University School of Law alumnus, also held a Loeb Fellowship at Harvard's Graduate School of Design. About the Host Dr. Drumm McNaughton, host of Changing Higher Ed®, is a consultant to higher education institutions in governance, accreditation, strategy and change, and mergers. To learn more about his services and other thought leadership pieces, visit his firm's website: https://changinghighered.com/. The Change Leader's Social Media Links LinkedIn: https://www.linkedin.com/in/drdrumm/ Twitter: @thechangeldr Email: podcast@changinghighered.com #NegReg #HigherEdMergers #highereducation
In this episode with SEC Commissioner Hester Peirce we discuss: The approval of 11 spot Bitcoin ETFs SEC's hacked X account ahead of the ETF approval Why the SEC took issue with in-kind redemptions Crypto regulation and how Bitcoin is different Are current securities laws sufficient or do we need a new framework for evaluating digital assets? What is the biggest misconception about the SEC? --- Bio: Hester M. Peirce was appointed by President Donald J. Trump to the U.S. Securities and Exchange Commission and was sworn in on January 11, 2018. Prior to joining the SEC, Commissioner Peirce conducted research on the regulation of financial markets at the Mercatus Center at George Mason University. She was a Senior Counsel on the U.S. Senate Committee on Banking, Housing, and Urban Affairs, where she advised Ranking Member Richard Shelby and other members of the Committee on securities issues. Commissioner Peirce served as counsel to SEC Commissioner Paul S. Atkins. She also worked as a Staff Attorney in the SEC's Division of Investment Management. Commissioner Peirce was an associate at Wilmer, Cutler & Pickering (now WilmerHale) and clerked for Judge Roger Andewelt on the Court of Federal Claims. Follow Commissioner Peirce on X: https://twitter.com/HesterPeirce --- Coin Stories is powered by Bitdeer Technologies Group (NASDAQ: BTDR), a publicly-traded leader in Bitcoin mining that stands alone as the only vertically-integrated, technology-focused Bitcoin mining company. Learn more at www.bitdeer.com. --- Natalie's Promotional Links: Buy Bitcoin, secure it through multisig Collaborative custody, start a Bitcoin IRA or take out a Bitcoin loan with UNCHAINED: https://unchained.com/?utm_campaign=natalie promo code Natalie Bitcoin Nashville is July 25-27, 2024: Get 10% off your passes using the code HODL at https://b.tc/conference Get 5% off your Bitcoin cold storage solutions at Coinkite, including the Coldcard wallet: https://store.coinkite.com/promo/COINSTORIES CrowdHealth offers the Bitcoin community alternative to health insurance. I now spend just ~$100 a month on my health care. Sign up: https://www.joincrowdhealth.com/natalie --- This podcast is for educational purposes and should not be construed as official investment advice. --- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories --- #money #Bitcoin #investing
In this podcast episode, we explore Ashley Brooks' inspiring journey and her groundbreaking book. Ashley's work sheds light on how community-driven civic environments impact personal development and well-being. Ashley's thesis takes us on a qualitative research adventure, using co-design and service design to create inclusive spaces. What makes Ashley's work unique is her dedication to centering the voices and needs of Black and Indigenous Women of Color (BIWOC) in public spaces. Through interviews, surveys, and collaboration, she empowers these women to shape inclusive spaces that celebrate their culture, enhance safety, promote learning, and honor their holistic identities. ashleymilanbrooks.comAn Intersectional LensLinkedInFacebookInstagram
In this episode of Health Nonprofit Digital Marketing, we are joined by Eugene Patron from the Fund for Public Health in New York City. Together, we delve into the world of nonprofit partnerships and the intricacies of marketing and communications within these collaborations. Join us as Eugene shares his wealth of experience and insights, guiding us through the strategies, challenges, and advantages of working with funders, peer organizations, and government entities to amplify your nonprofit's mission. Discover how to develop cohesive messaging, establish shared timelines, and harness the power of collaborative marketing to reach broader audiences and drive meaningful change. Plus, we'll discuss the potential pitfalls and benefits of partnership MarCom, and why thoughtful planning is the key to maximizing shared benefits. Don't miss this insightful discussion with Eugene Patron on building successful nonprofit partnerships through effective marketing and communications. About the guest Eugene Patron is Director of Marketing and Communications at the Fund for Public Health NYC, a public-private partnership that supports the work of the NYC Department of Health and Mental Hygiene. His communications and marketing experience includes NYC and national nonprofits, as well as work as a journalist, web producer, and editor. He has an MS in Urban Affairs and an advanced certificate in Leading Change in Healthcare Systems. Resources Nonprofit Tech for GoodBeta NYCRagan Communications Contact Eugene Web: https://fphnyc.org/Email: epatron@fphnyc.orgTwitter: https://twitter.com/EugenePNYC LinkedIn: www.linkedin.com/in/eugenepatron
Ja'Ron Smith is Partner at Dentons Global Advisors Government Relations and co-author of UNDERSERVED: Harnessing the Principles of Lincoln's Vision for Reconstruction for Today's Forgotten Communities. He was Deputy Assistant to President Donald Trump for the White House Domestic Policy Council and the Office of American Innovation. As a Deputy Assistant to the President, he spearheaded initiatives such as criminal justice reform, workforce development, opportunity zones, and others. Prior to his role as Deputy Assistant to the President, he served as Special Assistant to the President in the Office of Legislative Affairs, a Special Assistant to the President for Domestic Policy and as the Director of Urban Affairs and Revitalization.
I interview Jennifer Schulp, director of financial regulation studies at the Cato Institute's Center for Monetary and Financial Alternatives. She focuses on the regulation of securities and capital markets. She has testified before Congress multiple times, including before the U.S. Senate Committee on Banking, Housing, and Urban Affairs, the U.S. House Committee on Financial Services, and the Committee on House Administration. We discuss regulatory land grabs and mission creep, why ESG is terrible branding, crypto as a store of value for electricity, fractional reserve banking, payment for order flow, and how to protect investors from themselves. This is a wide-ranging conversation with a true expert in the field. Highly recommended. --- Support this podcast: https://podcasters.spotify.com/pod/show/theleeshow/support
Watch this episode on YouTube- https://youtu.be/Rk-htrKEAQ4?si=nKyqsXdRHuUuU1X9 In this episode: The transformative journey of Dr. Ananta, a powerhouse in the Indian real estate industry. How she thrived in a traditionally male-dominated field of real estate Her insights on investing on real estate Building a top team and a lot more. Dr. Ananta opens up about her three-decade-long commitment to the real estate sector in India, where she has held prestigious roles like Executive Director at DLF and Chief Executive at Emaar MGF. She also discusses her current role as the Founder President Elect of Naredco Mahi, a wing under the Ministry of Housing and Urban Affairs aimed at achieving gender parity in real estate. In this candid conversation, Dr. Ananta delves into the influence of her early years on her career, the challenges she faced in breaking gender barriers, and her unwavering belief in the power of positive thinking. This episode offers invaluable insights into achieving professional success without compromising personal growth and interests. As a person deeply committed to social change, Dr. Ananta is passionate about the safety and education of children. She is also an active mentor for women entrepreneurs and rural executives, further extending her impact beyond the real estate sector. Join us in this episode to discover the story of a woman who is a living example of how dedication, resilience, and a forward-thinking attitude can break down societal barriers and foster meaningful change. We have a telegram community for our listeners. Join here- https://theinspiringtalk.com/telegram For brand collaborations and opportunities, send us an email at hi@wyn.studio Read full episode notes at https://theinspiringtalk.com/ Send me a voice message: https://theinspiringtalk.com/speak Connect with Dr Ananta Raghuvanshi LinkedIn Follow the Inspiring Talk on Facebook http://theinspiringtalk.com/facebook Twitter http://theinspiringtalk.com/twitter Instagram http://theinspiringtalk.com/instagram
Do you hate hidden hotel, housing, airline, ticketing, banking, and other corporate fees? Do you want Congress to do something about them? In this episode, learn about the wide range of unreasonable fees being reported to Congress during hearings and examine what proposals could have bipartisan support. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes FTC Authority Ronald Mann. Apr 23, 2021. SCOTUSblog. Supreme Court of the United States. April 22, 2021. Junk Fee Overview Ashish A. Pradhan. May 19, 2023. The National Law Review. Will Kenton. January 24, 2023. Investopedia. Brian Deese et al. October 26, 2022. White House Briefing Room Blog. October 20, 2022. Federal Trade Commission. Brian Canfield et al. July 7, 2021. Institute for Policy Integrity, NYU School of Law. Internet *Federal Communications Commission Healthcare August 8, 2022. Federal Trade Commission. Banking/Payments Lindsey D. Johnson. July 26, 2023. Consumer Bankers Association. July 11, 2023. Consumer Financial Protection Bureau Newsroom. Offices of Consumer Populations and Markets. May 23, 2023. Consumer Financial Protection Bureau. October 26, 2022. Consumer Financial Protection Bureau Newsroom. September 28, 2022. Consumer Financial Protection Bureau Newsroom. August 16, 2022. Pennsylvania Office of Attorney General. August 16, 2022. U.S. District Court for the Eastern District of Pennsylvania. Joe Valenti. March 30, 2022. * Consumer Financial Protection Bureau Blog. January 26, 2022. Consumer Financial Protection Bureau Newsroom. December 7, 2020. Consumer Financial Protection Bureau Newsroom. December 28, 2018. Pennsylvania Office of Attorney General. Housing July 19, 2023. White House Briefing Room. March 14, 2023. National Consumer Law Center. Jennifer Ludden. January 13, 2023. WBUR. Airlines Reid Bramblett. Frommer's. Suzanne Rowan Kelleher. Mar 7, 2023. Forbes. U.S. Department of Transportation. U.S. Department of Transportation. December 13, 2022. U.S. Department of Transportation. November 2022. Statista. Rosie Spinks. June 1, 2018. Quartz. May 2011. Jones Day. Hotels November 17, 2021. Pennsylvania Office of Attorney General. Christina Jelski. Mar 12, 2021. Travel Weekly. November 28, 2012. The Federal Trade Commission. Ticketing June 20, 2018. U.S. House of Representatives. Anne Bucher. June 13, 2018. Top Class Actions. “Susan Wang and Rene' Lee v. StubHub, Inc. Case” [No. CGC-18-564120]. The Superior Court of the State of California, County of San Francisco. Cars June 23, 2022. Federal Trade Commission. Laws Bills Audio Sources July 26, 2023 Senate Committee on Banking, Housing, and Urban Affairs, Subcommittee on Financial Institutions and Consumer Protection Witnesses: Attorney General, Commonwealth of Pennsylvania Director of Housing Advocacy, Atlanta Legal Aid Society Manager Director, Patomak Global Partners Clips Michelle Henry: In the consumer finance space, we recently filed a multi-state lawsuit against Mariner Finance, a Wall Street private equity-owned installment lender. Our lawsuit alleges that Mariner charged consumers junk fees for hidden add-on products that consumers either did not know about or did not agree to buy. These hidden add-on products, such as credit insurance and auto clubs, are typically low- or no-value products. Consumers left Mariner believing that they had entered into an agreement to borrow and repay over time a certain amount of money. In reality, because of these hidden junk fees, Mariner added hundreds to thousands of dollars to the total amount a consumer owed. The cost of the junk fees is staggering. For a random sample of loans originated in Pennsylvania in December of 2020, Mariner charged each consumer an average of $1,085 in junk fees for an average of $3,394 in cash borrowed. Michelle Henry: We also had a significant junk fee settlement in 2018 with Wells Fargo. This settlement stemmed from Wells charging its auto finance customers millions in junk fees. Despite evidence that many customers already had the required car insurance, Wells improperly charged more than 2 million accounts for force-placed insurance. To resolve the multi-state action, Wells agreed to pay states $575 million. Michelle Henry: In 2021, we announced the landmark junk fee settlement with Marriott International. For many years, travelers had been misled by the published rates offered by hotels for a night stay, only later to be hit with the mandatory resort fees when they were checking in. Thanks to our settlement, Marriott now has a policy in place to be upfront and transparent in the disclosure of mandatory fees, including resort fees, as part of the total price of a hotel stay, allowing consumers to compare total costs for hotels and find the one that is the best fit for them. Marriott was the first hotel chain to formally commit to the upfront disclosure of resort fees as part of the initial advertised price. We hope others will follow. Michelle Henry: In the end, what we are fighting here for is basic fairness and transparency. When consumers are shopping online or in person, they deserve to understand what a loan, a house, or a vacation will cost and exactly what key terms they're agreeing to. At the same time, all businesses deserve to compete on an even playing field, where the price is the price with no hidden surprise fees. Lindsey Siegel: My name is Lindsay Siegel and I'm the Director of Housing Advocacy at Atlanta Legal Aid, which provides free civil legal services to families with low incomes in the metro Atlanta area. Today, I will focus on the rental housing market and how predatory and hidden rental fees gouge families living in poverty and make their rent even more unaffordable than it already is. Miss Dixon is a single mother who found an online listing for an apartment in the fall of 2020. The advertisement said it rented for $1,400 per month. It did not list any other monthly fees she would be required to pay. She applied and paid $525 through the landlord's online portal, which covered her $50 application fee, a $175 moving fee, and a $300 screening fee, all of which were non-refundable. She was not able to see the lease or the apartment she'd be renting, but she knew if she did not pay sight unseen she would lose the apartment. And when her application was approved a few weeks later, the landlord charged her another $200 approval fee. She finally received and signed a copy of her lease just two days before she was slated to move in. It was 50 pages long and contained to eight different addenda. She had expected to pay her rent and for water. She didn't expect to be responsible for a package locker fee, a trash removal fee, a separate valet trash fee, a pest control fee, a technology package fee, an insurance fee, and a credit reporting fee. When the fees added up, $83 had been tacked on to her monthly rent. And to make matters worse, Miss Dixon's landlord did not accept the rent by cash, check, or money order. When she paid through the landlord's online portal she was charged another $72-per-payment convenience fee. The low income renters Atlanta Legal Aid represents have an extreme power imbalance with their landlords. The high demand for rental housing, especially at the more affordable end of the market, makes some landlords believe they can easily get away with unfair and deceptive lease terms and rental practices. The bait and switch Miss Dixon experienced where the landlord advertise the rent as one price only to raise it much higher with junk fees after she had spent hundreds of dollars up front is a far too common practice of many investor landlords in the Atlanta area. Low income renters like Miss Dixon become trapped. She couldn't afford to walk away from a predatory lease two days before she was supposed to move in, even if she realized it would be unaffordable. Of particular concern are the use of high application fees. They often far exceed the cost of running a report, and most renters have to pay them several times before finding a home to rent. We've heard reports that some institutional landlords even collect application fees after they've found a renter for an available home. Brian Johnson: The focus of the President's initiative has been on applying political pressure to companies to induce them to change their fee disclosure practices. In the process, the White House and supporting agencies have dismissed broad categories of fees as junk without ever providing any consistent definition of the term, which has created uncertainty as to which fees can be assessed by institutions without undue reputational or regulatory risk. Brian Johnson: The CFPB has been the most enthusiastic among regulators in heeding the President's call, indiscriminately attacking a growing list of common financial service fees, no matter that they are lawful and fully disclosed. Brian Johnson: The agency has publicly hectored companies about deposit account fees and used the implied threat of investigation to induce such companies to abandon these legal fees. Further, in addressing other fees, the CFPB appears appears to have violated its own regulations and laws governing how agencies proffer rules by disguising interpretive rules as policy statements in bulletins and issuing circulars that function as legislative rules. In another instance, under the guise of interpretation, the CFPB read a word into a statute to achieve its desired policy outcome. In still another, the agency treats the rulemaking process as a foregone conclusion, acting as though a still proposed rule has already taken effect, signaling that the agency has no interest in considering public comments, establishing an adequate evidentiary basis to support its conclusions, or considering potential changes to improve the rule. These examples demonstrate an abuse of power and the agency's disregard for process and the limits placed on it. Moreover, the CFPB's behavior subverts the authority of Congress to oversee the agency and legislate the legality of fees in our financial marketplace. Simply put, it's not playing by the rules. Lindsey Siegel: So I think the federal government does have a role to play. The CFPB could create best practices, investigate junk fees further -- especially those being charged for tenant screening reports -- could bring enforcement actions against debt collectors that engage in collection practices that violate the Fair Debt Collection Practices Act in their collection of rental debt especially includes collection of junk fees. And certainly, you know, HUD could further study and address the disproportionate impact of these practices on renters and rental applicants of color. Lindsey Siegel: Tenants living in Atlanta have a very hard time finding a rental, finding a home, that's not owned by a corporate landlord at this point. They have bought up many properties in the Atlanta area and they always seem to be working in lockstep so that once one institutional landlord is charging a certain kind of fee then another one tends to charge it as well. Just one example of this is the proliferation of landlords charging for insurance fees, and often tenants will think that these are renters insurance because they're often called renter's insurance. But it's not like traditional renter's insurance that protects the renter and their property if it's destroyed. What it does is protect the landlord and doesn't really provide a benefit to tenants at all. And we've seen that proliferate with investor landlords in particular. Sen. Thom Tillis (R-NC): I can't imagine any reasonable member of Congress not saying, "I want the person to know what their financial obligation is when they sign an instrument, not after they read page 10 in the fine print." Sen. Thom Tillis (R-NC): I'm less caught up in whether or not a trash collection fee is appropriate or not, and more caught up in, does that renter know at the point in time they're signing a lease what they're expected to pay every month? Michelle Henry: We often see things bleed over state lines and boundaries, as you are well aware, and so it's important that we work together to enforce these matters. Sen. Raphael Warnock (D-GA): How often do these kinds of cases cross state lines? And would having federal standards against these types of hidden fees make these cases easier to bring? Michelle Henry: Almost always. And I think that's critical. Where we have been most successful is joining with our fellow states, other attorneys general, partnering with them, and including the CFPB. In December of 2020, the CFPB, with all 50 states and the District of Columbia, filed enforcement action against Nationstar mortgage, again for deceptive practices, for not being transparent when they were servicing borrowers mortgages, and as a result of that joint effort we were able to obtain a settlement of $73 million and brought aid to 40,000 borrowers. Michelle Henry: You know, the reality is a lot of times consumers get misled. So they start, they're looking on the internet, they're trying to do due diligence and look for the best price, whether it's for a hotel, a vacation, and they're in there examining it, and they get led to a certain area of a certain website thinking that's the best price. And they go down this rabbit hole where they have no idea at the end of it that the price they thought they were going to pay for a hotel stay with their family is actually far larger because of fees that they weren't prepared, were not properly advised of, and at that point, they're so far in or they never discover it. So no, I don't think they understand exactly what to be aware of. We're trying to do our best to educate but far more work needs to be done, and I applaud this committee for working on it. Sen. Raphael Warnock (D-GA): If more federal agencies had the authority to address these hidden fees, how would that affect your office's capacity? Michelle Henry: It would help tremendously. Sen. Raphael Warnock (D-GA): Thank you so very much. Michelle Henry: If history is any lesson, we know that they can't be trusted to act in the best interest of consumers on their own. Look, they're in the business of making money for their shareholders and we need robust consumer protection rules and enforcement to ensure that. Sen. Thom Tillis (R-NC): So what we're talking about here is not the "what," it's the "how." And I for one do not think that the regulator's who have demonstrated pushing the boundaries of their authority, giving them more authority is a good idea if we're coming up with a real bipartisan sustainable solution. Sen. Thom Tillis (R-NC): The problem we have here too, when we transfer power out of Congress to another branch, yes, that changes every four years or so. So you may be thrilled with a regulatory regimen that comes out from the CFBP today, but because of the way they behaved, it'd be one of the first things I would work to repeal if the administration changed and withdraw it. Sen. Thom Tillis (R-NC): I'd like to submit for the record a letter from the Consumer Bankers Association on the subject. Sen. Thom Tillis (R-NC): Mr. Johnson, can you talk about the effect of the method that the CFPB is using to go after this and the impact that it can have, the negative implications that has? Is the CFPB's tendency to name and shame business institutions to avoid certain practices or adopt new ones effective regulation? They're not really thinking through the full impact and all the potential unintended consequences. Can you think of any example under this current leadership of the CFPB where they have taken that into consideration? Can you speak a little bit about the efforts and the length the CFPB goes in an effort to avoid judicial review and skirt the APA process? June 8, 2023 Senate Committee on Commerce, Science, and Transportation: Subcommittee on Consumer Protection, Product Safety, and Data Security Witnesses: Chief Executive Officer, National Consumers League Bruce Greenwald Professor of Business, Marketing Division, Columbia Business School George Mason University Foundation Professor of Law, Antonin Scalia School of Law, George Mason University Clips 21:35 Sen. John Hickenlooper (D-CO): Simply put, these are fees that are disclosed to a consumer midway through or at the end of a transaction, or they're fees that serve no tangible purpose for a consumer, like a processing fee, and that they are mandatory or unavoidable. 28:00 Sen. Marsha Blackburn (R-TN): The way I look at this issue, and the way many Tennesseans look at it, is this is another way for the FTC, the CFPB, DoT, and all these regulators to clamp down on businesses and try to micro manage businesses. 30:42 Dr. Vicki Morwitz: as a strategy where firms decide to divide a product's price into two or more mandatory parts, a base price for the main product and one or more mandatory surcharges, rather than charging a single all-inclusive price. For example, many hotels have a mandatory fee on top of the daily room rate. These are sometimes called resort fees, or facility fees, or destination fees and can range from $20 to over $50 a night. And many rental car agencies assess several mandatory fees on top of the daily rental rate, such as concession recovery fees, customer facility fees, energy recovery fees, and vehicle licensing fees. 31:20 Dr. Vicki Morwitz: In general, what research on partition pricing has shown is that when firms separate out mandatory surcharges consumers tend to underestimate the total price they'll have to pay and they're often more likely to complete the purchase. 31:50 Dr. Vicki Morwitz: With drip pricing, firms advertise only part of our products' price upfront and reveal other charges later, as shoppers go through the buying process. Drip fees can be mandatory or can be for optional items, but for today's testimony I'll focus on the dripping of mandatory surcharges. Drip pricing is commonly used in industries like the cable TV and the ticketing industries. When a consumer shops for a TV-Internet bundle from a cable television provider, they may first see an attractive base price offer for the bundle, but later learn there are also broadcast TV fees, set top box fees, regional sports fees, and TV connection fees that raise the price considerably. And a consumer shopping for a ticket for a live event, like a concert, a play, or a baseball game, typically first sees the price for different seats in the venue. After selecting a seat, as the consumer clicks through more webpages, they may come to learn there's also a mandatory booking fee, ticketing fee, venue fee, and delivery fee, even when the tickets are delivered electronically. Eventually, they see a total price that may be much higher than the first price they saw and they may be under time pressure to complete the purchase, as there might be a countdown clock that indicates they have to complete their purchase in just a few minutes. Or they may be told there's only two seats left at that price. 33:00 Dr. Vicki Morwitz: What research has shown is that when surcharges are dripped, consumers end up being more likely to buy a product that appears cheaper upfront based only on the base price, but that's more expensive and total given the drip fees. Consumers also tend to buy more expensive products than they otherwise would, such as a seat closer to the stage for a live event. 35:00 Dr. Vicki Morwitz: These policies will benefit consumers if they require that upfront stated prices must be all-inclusive. In other words, all mandatory fees must be included in the total price and that the total price should be seen upfront. This is what academic research suggests will be most beneficial to consumers. 39:20 Dr. Todd Zywicki: Everybody knows bags fly free on Southwest, everybody knows bags don't fly free on the legacy airlines, everybody knows there's going to be a fee for for bags on the other airlines and the like. Maybe there's ways you can disclose it, but nobody's fooled at this point. 42:45 Sally Greenberg: If consumers hate junk fees so much, why do companies large and small increasingly impose them? The answer is, unsurprisingly, because they are a substantial profit center. 43:20 Sally Greenberg: Late payment fees charged by banks and credit cards cost American families an estimated $12 billion annually. These fees, which can be as much as $41 for each Late Fee Payment, far exceed the cost to the issuer for processing and do little to deter future delinquent payments. 43:40 Sally Greenberg: Airlines are also poster children for junk fees. Globally, revenue from junk fees, ancillary fees in airline speak, brought in $102.8 billion in 2022. To put this in perspective, junk fees last year made up 15% of global airline revenues, compared to 6% only 10 years ago. 44:00 Sally Greenberg: Anyone who buys tickets to a concert or sporting event is well acquainted with the myriad fees. They're added at the end of the ticket buying process. We have the example that you showed, Senator Hickenlooper. Primary and secondary market ticketing companies charge service fees, order processing fees, delivery fees and other charges that increased ticket prices on average 27% for the primary market and 31% for the secondary market. 45:05 Sally Greenberg: Junk fees themselves are anti-competitive. They make comparing prices more difficult, distorting well functioning marketplaces. Honest entrepreneurs who invest in their businesses, innovate, and strive to create better value for their customers lose business. Action to address the consumer and competitive harm created by junk fees is urgently needed. 45:30 Sally Greenberg: First, we would urge you to support S. 916. It's the Junk Fee Prevention Act, which would require some of the worst abusers of junk fees to display the full price of services upfront, and they would bar excessive fees and ensure transparency. Second, we ask that Congress restore the FTC's ability to obtain strong financial penalties from wrongdoers. The Supreme Court, in 2021, overturned AMG Capital Management v. FTC, wiping out a critical enforcement tool for the commission. S. 4145, which is the Consumer Protection Remedies Act, would restore that ability to impose monetary relief to the commission. And finally, Congress must not allow businesses that trap consumers with unfair and deceptive fees to escape accountability through fine print in their contracts. To that end, we're proud to support S. 1376, the Forced Arbitration Injustice Repeal Act, which would prohibit pre-dispute arbitration agreements from being enforceable if they require arbitration in employment, consumer, antitrust, or civil rights disputes 44:35 Sally Greenberg: Renters, for example, tend to have lower incomes than those who own their homes. These consumers are also some of the most preyed upon by abusive junk fees. A 2022 survey conducted by Consumer and Housing Advocates found that 89% of landlords imposed some rental application fees[[ clare, 8/7/2023 2:09 PM couldn't find this specific survey]], nearly as many renters paid excessive late fees and they also get hit with utility, administrative, convenience, insurance, and notice fees. 51:30 Sen. Marsha Blackburn (R-TN): I'm not hearing from Tennesseans about junk fees. They're just not talking about. They are talking about real economic harm. And I think for some it's been kind of perplexing that we would focus on this issue. I even had one Tennessean say, "Well, what exactly is a junk fee? And what are the economic harms that come to people for fees for discretionary services?" 53:20 Dr. Todd Zywicki: I can't see any reason why people who pay their credit cards on time should have to subsidize people who pay their credit cards late. The evidence is clear on this from the that if you reduce late fees, more people pay late. The makes clear that if you reduce late fees, everybody ends up paying higher interest rates and, and lower income and higher risk borrowers get less access to credit. So most of what we see in the market is efficient. It prevents cross consumer subsidies and a lot of these things that are labeled as junk fees are actually just efficient multi-part pricing. 1:00:30 Dr. Vicki Morwitz: When a larger firm, or really any firm, uses hidden fees or surcharges, it doesn't only hurt consumers, but it hurts well intentioned, honest competitors like many of our country's small businesses that you're talking about. So when a larger firm makes salient a lower base price and only puts in small print or only reveals at the end of the shopping process that there are additional mandatory fees, their product offerings may appear, at least at first, to be cheaper than those of say a small business, an honest competitor who uses all inclusive prices, whose prices at least at first then, will appear more expensive, even if they're actually cheaper in total when the hidden fees of the large firm are added in. Now, research shows this is going to lead consumers to be more likely to even first consider the products and services of the larger firm who uses hidden surcharges because their products seem cheaper. In other words, their supposed low prices draw consumers in. But then having first consider their products consumers will also be more likely to stick with that firm and ultimately purchase their products, even when they're more expensive in total with the fees. So these hidden fees, they don't only hurt consumers by leading them to make purchases that are against their own self interest, but it also hurts honest competitors who are using transparent pricing practices. 1:04:10 Sen. Amy Klobuchar (D-MN): One area of this high excessive fees is ticketing. We had the hearing earlier this year with the president of Live Nation/ Ticketmaster, and other witnesses and as you are aware, the facts are quite startling. It's being reviewed by the Justice Department, including 90% monopoly on ticketing for major NFL, NHL events, 80% for major arena events, and 70% monopoly when it comes to all ticketing. In addition to that, Ticketmaster now owns a number of venues and also locks in a number of other venues that they don't own with their services for in excess of seven years, which is a subject of a bill that Senator Blumenthal and I have introduced, because this locking in makes for even less competition. And then finally, Live Nation promotes the act. So it's like a three cornered monopoly. 1:12:30 Sally Greenberg: Yes, you may know that you have a baggage fee, but there are many people who are older, who have disabilities, who may have children with them; they cannot be carrying their bags onto the airplane. So they are forced to eat the cost of a $35 fee, something that used to be free before, and has jammed our airplanes full of luggage up top, creating hazards for flight attendants as well. 1:13:55 Sally Greenberg: We certainly support the Good Jobs for Airports Act. I think many consumers had no idea that a lot of these workers were not making minimum wage[[ clare, 8/7/2023 2:08 PM couldn't find a source for this.]], were relying on tips. And many people who use the wheelchairs and the curbside baggage services did not know that people were living on tip wages and many people don't tip, as some of us who've been tipped workers know. Tipping is very up and down and certainly not a reliable source of income. So yes, we very much appreciate that legislation and it's long overdue. 1:21:20 Dr. Todd Zywicki: Junk fees is a meaningless term, but it's worse than meaningless. It's actually pernicious, which is that by sort of using this blanket conclusory label, it obscures the complexity of this, the difference between trip pricing, risk based pricing, multipart pricing, partition pricing, and that sort of thing, and it kind of sweeps into one bucket things that are legitimate, things that are aren't, things that might be partially legitimate. And now it's even got more confusing because if you look at the FTC rule, for example, on auto dealers, they take things like nitrogen filled tires, they charge more money for a claim that's a junk fee. The problem with that is not that it's a separate price for nitrogen filled tires. The problem, if there's a problem, is that nitrogen filled tires are garbage, right? There's nothing there. It doesn't matter whether it's disclosed separately or bundled in the price if it's a worthless product. And so when we talk about junk fees, we can end up confusing ourselves, lumping in things because we want to just apply this label to it, whereas I think it'd be much better to understand risk based pricing. What are things where they're pricing for something that you get no value from? What are the things where they're pricing things simply to extract wealth from consumers and the like? Executive Producer Recommended Sources Music by Editing Production Assistance
The U.S. State Department has been warning of attacks on the global food system. It warns that nations are working to manufacture this and that the “weaponization of hunger” needs to be stopped. Secretary of State Antony Blinken laid out the risks during a speech at the United Nations Security Council. Afterward, he took to X, formerly known as Twitter, and wrote “hunger and conflict are inextricably linked,” adding: “We must stop the weaponization of hunger, beginning with Russia's war of aggression against Ukraine and its assault on the global food system. Failure to act now will have dire consequences.” Meanwhile, last year, the director of the International Monetary Fund and the heads of several central banks met in Davos. They discussed the proposed future of currencies: Centralized Bank Digital Currencies. These are like cryptocurrencies without the privacy. They're digital currencies where every transaction can be tracked and regulated by a central power. China already has one in place, and there's a push for the world to follow, including at the Federal Reserve. We'll speak about this with Thomas Hogan, senior fellow at the American Institute for Economic Research, and the former chief economist for the U.S. Senate Committee on Banking, Housing, & Urban Affairs. And, while they're not in the headlines as much, the anti-woke boycotts are ongoing. Bud Light is still in free fall, and its parent company Anheuser-Busch is selling off beer brands. Disney is feeling the heat as well. After several big flops at the box office, its next big film, “Haunted Mansion,” has now flopped as well. It looks like woke policies have their consequences. We'll speak about this with Jeffrey A. Tucker, senior economics columnist at The Epoch Times, and the founder and president of the Brownstone Institute. ⭕️
Organizers and officials recently held a summit to discuss how the city responds to mental health crises, with Mayor Brandon Johnson saying he would invest in more social services. Reset discusses how it could affect Chicagoans with Northwestern University's Dr. Eric Reinhart, anthropologist of policing, prisons, and public health, and Emily Piff, member of Jewish Council on Urban Affairs.
Join me and my guest, Charlie, as we explore his fascinating career path. From aspiring to be a baseball player to working in aviation, Charlie discusses his transition into local government and urban affairs. He shares his experiences with community engagement and strategic career choices that led him to his current position as Vice President at a real estate consulting firm in New York City.Finally, Charlie shares his involvement in nonprofits and personal development. He talks about his experience with various nonprofit initiatives and his role as a mentor. We also explore the importance of faith in his life and how it has been a driving force for him. This conversation offers a comprehensive view into Charlie's career journey, the lessons he's learned along the way, and how he's used his experiences to shape his professional and personal life.Follow Charlie Samboy;LinkedIn: https://www.linkedin.com/in/charliesamboy/Recommendations:ProgramsCUNY Edward T. Rogowsky Internship Program in Government & Public AffairsVan Cortlandt Park AllianceAmerica Needs YouBooks: The Timekeeper, Tuesdays with Morrie, Failing Forward, and The 48 Laws of PowerPlease Rate & Review on your listening platform. Follow us on Instagram & LinkedIn @CareerCheatCode038 | Shaping Careers and Cities with Charlie Samboy
Treasury Secretary Yellen held talks with major Wall Street CEOs and bank advisors, raising the subject of further bank mergers. Though that part of the discussion wasn't in the official readout, it was reported anyway and something Yellen had already said in public just a little while ago. There is every reason to believe there is more big trouble ahead. Govt/Wall Street discussions of "mergers" is just more confirmation. Eurodollar University's weekly conversation w/Steve Van MetreReuters: Yellen expects US regulators to be open to mergers among midsize bankshttps://www.reuters.com/markets/yellen-expects-us-regulators-be-open-mergers-among-midsize-banks-2023-05-13/CNN: Janet Yellen told bank CEOs more mergers may be necessary, sources sayhttps://www.cnn.com/2023/05/19/investing/janet-yellen-bank-mergers/index.htmlSemiannual Monetary Policy Report to the CongressChair Janet L. Yellen Before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, Washington, D.C.https://www.federalreserve.gov/newsevents/testimony/yellen20140715a.htmIBD: Foot Locker Spirals As Inventory Issues Trip Up Shoe-Sector Stockshttps://www.investors.com/news/foot-locker-spirals-as-inventory-issues-trip-up-shoe-sector-stocks/Twitter: https://twitter.com/JeffSnider_AIPhttps://www.eurodollar.universityhttps://www.marketsinsiderpro.comhttps://www.PortfolioShield.netRealClearMarkets Essays: https://bit.ly/38tL5a7THE EPISODESYouTube: https://bit.ly/310yisLVurbl: https://bit.ly/3rq4dPnApple: https://apple.co/3czMcWNDeezer: https://bit.ly/3ndoVPEiHeart: https://ihr.fm/31jq7cITuneIn: http://tun.in/pjT2ZCastro: https://bit.ly/30DMYzaGoogle: https://bit.ly/3e2Z48MReason: https://bit.ly/3lt5NiHSpotify: https://spoti.fi/3arP8mYPandora: https://pdora.co/2GQL3QgCastbox: https://bit.ly/3fJR5xQPodbean: https://bit.ly/2QpaDghStitcher: https://bit.ly/2C1M1GBPlayerFM: https://bit.ly/3piLtjVPodchaser: https://bit.ly/3oFCrwNPocketCast: https://pca.st/encarkdtSoundCloud: https://bit.ly/3l0yFfKListenNotes: https://bit.ly/38xY7pbAmazonMusic: https://amzn.to/2UpEk2PPodcastAddict: https://bit.ly/2V39XjrPodcastRepublic:https://bit.ly/3LH8JlVDISCLOSURESJeffrey Snider (The Promoter) is acting as a promoter for an investment advisory firm, Atlas Financial Advisors, Inc. (AFA). Jeffrey Snider is affiliated with AFA as a promoter only and is not in any way giving investment advice or recommendations on behalf of AFA. The Promoter is being compensated by a fee arrangement: The Promoter will receive compensation on a quarterly basis, based on the increase in account openings that can be reasonably attributed to the Promoter's activity. The Promoter will not be receiving a portion of any advisory fees. The Promoter has an incentive to recommend the Adviser because the Promoter is being compensated. The opinions expressed on this site and in these videos are those solely of Jeffrey Snider and Eurodollar University and do not represent those of AFA.
In This Episode How many closed loop city transit cards do you have lying around? If you are a traveller you have lots of these souvenirs as every city has its own transit card or way of doing things, Can open payments and better payment systems improve public transportation and bring the unbanked into the financial ecosystem? Aaron Klein, Senior Fellow, Policy Director, Center for Regulation and Markets, Brookings Institute, not to mention former US Senate Committee on Banking, Housing, and Urban Affairs, and US Dept of the Treasury, and Gillian Gillett, Program Manager, California Integrated Mobility, California Dept of Transportation (CADOT) think so. Listen as they share latest research and interesting insights, to include California's adoption of new payment rails for urban transport, with host Brett King. The faster the payment, the faster we move, with implications for EVs and business. Digital inclusion remains important as is reforming how we charge for micropayments. Our connect theme continues as we look at Fintech as a Service (FaaS) and Brett catches up with NayaOne, CEO, Karan Jain, former Westpac exec. NayaOne is helping transform how banks bring new products to market. They need only 'Connect Once' as the platform enables FI's, fintechs, regulators, and industry bodies to collaborate with a pre-vetted fintech marketplace. A 2020 PwC global study showed that 75% of banks are investing in developing a more customer-focused business model by collaborating with fintechs. Banks want these partnerships, but not everyone realizes innovation the same way. Banks need to be fintech friendly and ready. Culture is important and action needs to match words if banks want to be at the leading edge and make an impact for their customers. https://youtu.be/Ens-lMdv0AQ
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